Business modeling method of credit card risk control under multi-dimensional credit investigation data source

Abstract

The invention relates to a business modeling method of credit card risk control under a multi-dimensional credit investigation data source. The method comprises the following steps: acquiring data ina business system by a risk control modeling system; constructing a data service module; enabling the data service module to acquire third-party credit investigation data and standardize the acquiredthird-party credit investigation data according to the requirements of the data service module; enabling the data service module to store the standardized third-party credit investigation data into adata cache pool; enabling the risk control modeling system to establish two different risk control rules and execute the two different risk control rules according to the acquired data in the businesssystem and the third-party credit investigation data in the data cache pool; and forming a model of the risk control modeling system according to an output result obtained by executing the two different risk control rules. According to the invention, the acquisition way of the third-party credit investigation data is stripped from the business system and sinks into the data service module of therisk control engine, and a unified data cache pool is provided, so that the modeling efficiency is improved, and the docking cost of the business system is reduced.

Description

technical field [0001] The invention relates to the technical field of risk control modeling, in particular to a business modeling method for credit card risk control based on multi-dimensional credit information data sources. Background technique [0002] Credit data is the basis of credit card risk control. In addition to PBOC credit investigation, there are many credit investigation companies in the market that provide different credit investigation services, each with its own characteristics. In the traditional model, the credit data of many credit reporting companies are used as third-party credit data, but the application of third-party credit data needs to clearly define each business process when modeling risk control. In the current method of using third-party credit data, when obtaining data, it is necessary to first obtain all third-party credit data from external data suppliers, and then insert the third-party credit data into the risk control modeling system. B...

AI Technical Summary

Problems solved by technology

Therefore, in the traditional model, risk control modeling requires high cognitive costs. The risk control modeling process needs to constantly determine the meaning of the fields, and when switching suppliers, the overall remodeling is required, which takes a long cycle and high cost

[0003] In the existing technology, the acquisition of third-party credit data is to directly call the third-party credit data through the business system, and the result of the third-party credit data is used as part of the input data, which has many shortcomings: 1. The third party called by the business system Credit data is often not the data needed for risk control modeling; 2. The business system is strongly coupled with the risk control modeling system, and the business system needs to be changed synchronously when the model is changed; 3. The model and the complex Business process; 4. Each business system needs to have a deep understanding of third-party credit data before it can connect to external data. Multi-business systems need to be connected multiple times, resulting in repeated development

Images