Decision engine and decision method

Abstract

The invention discloses a decision engine, including: a rule base, a variable base, a strategy engine and an input and output interface. There are rules stored in the rule base, and each rule corresponds to the logical operation of variables. Variables for rule operations are stored in the variable library. The policy engine is a rule settlement engine. Each policy corresponds to an application scenario. For each policy, the policy engine uses the rules in the rule base and the variables in the variable base to perform calculations. The input-output interface performs input and / or output of data. Among them, the input and output interface receives user data and application scenario data, and the strategy engine generates a strategy according to the application scenario data, and performs rule settlement for the user under the strategy according to the user data. The invention also discloses a decision-making method.

Description

technical field [0001] The present invention relates to Internet technology, and more specifically, to a data-based decision engine and a decision method. Background technique [0002] Internet finance has developed rapidly with the development of Internet technology. Unlike the traditional financial industry, most operations of Internet finance are done online rather than on site. Risk control in the traditional financial industry relies more on offline audits and background checks. Offline audits and background checks will take a relatively long time, so the risk control business cycle of the traditional financial industry is relatively long. In addition, the content of the background check in the traditional financial industry is relatively fixed, and almost all users use the same set of background check items. [0003] Internet finance is very different from the transmission finance industry. For example, Internet finance emphasizes timeliness, and users hope to get a...

AI Technical Summary

Problems solved by technology

Offline audits and background checks will take a relatively long time, so the risk control business cycle of the traditional financial industry is relatively long

In addition, the content of the background check in the traditional financial industry is relatively fixed, and almost all users use the same set of background check items

[0003] Internet finance is very different from the transmission finance industry. For example, Internet finance emphasizes timeliness, and users hope to get a reply as soon as possible, preferably in real time, when submitting online applications. The long offline review and investigation of the traditional financial industry is obviously not suitable. in internet finance

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