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Comprehensive decision platform based on decision engine and data source scheduling method thereof

A data source and decision-making technology, applied in data processing applications, instruments, finance, etc.

Active Publication Date: 2020-10-20
睿智合创(北京)科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

In this way, it also brings great challenges to the operation and maintenance of the system.

Method used

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  • Comprehensive decision platform based on decision engine and data source scheduling method thereof
  • Comprehensive decision platform based on decision engine and data source scheduling method thereof
  • Comprehensive decision platform based on decision engine and data source scheduling method thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0042] This embodiment discloses a comprehensive decision-making platform based on a decision-making engine, including a comprehensive decision-making platform, which is responsible for receiving decision-making requests from an external online loan approval system, and returns to the online loan approval system after a series of internal processing in the system. a decision outcome and other decision output variables;

[0043] It includes the decision engine, which is responsible for each risk control strategy package required for risk control business including access strategy, scoring strategy, PBOC credit strategy, tripartite data source strategy, and pricing strategy.

[0044] The comprehensive decision-making platform interacts with the decision-making engine multiple times, and inputs the variables and values ​​required by the decision-making engine. After each strategy package is executed, the decision-making engine will return whether to call the external data so...

Embodiment 2

[0057] The present embodiment discloses a method for scheduling data sources by a comprehensive decision-making platform based on a decision-making engine, including the following steps:

[0058] S1's first comprehensive decision-making platform sends the "start" command and application information XML message to the Blaze decision-making engine platform interface;

[0059] After receiving the request message in the Blaze decision engine platform, S2 executes the configured policy package, and returns the decision process execution result status and policy result;

[0060] The S3 comprehensive decision-making platform initiates a call to the data source docking platform, obtains the variable results corresponding to the data source, and assembles them into the application for XML messages. in node;

[0061] S4 executes the strategy related to the previous data source variable inside the Blaze decision engine; if the strategy passes, it continues to return State="RUN...

Embodiment 3

[0068] This embodiment discloses as figure 1 The system architecture diagram of the internal and external related systems shown, including the comprehensive decision-making platform, is mainly responsible for receiving the decision-making request (credit application) sent by the external online loan approval system, and after a series of internal processing in the system, it is sent to the online loan approval system. Returns a decision result and other decision output variables. The comprehensive decision-making platform will interact with the decision-making engine multiple times, and input the variables and values ​​required by the decision-making engine. After each strategy package is executed, the decision-making engine will return whether to call the external data source and the interface corresponding to the data source next time. coding. The comprehensive decision-making platform will initiate a request to the data source interface, process the messages returned fr...

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Abstract

The invention relates to the technical field of financial risk control, in particular to a comprehensive decision platform based on a decision engine and a data source scheduling method thereof. The comprehensive decision platform based on a decision engine comprises a comprehensive decision platform which is responsible for receiving a decision request transmitted from an external network loan approval system and returning a decision result and other decision output variables to the network loan approval system after a series of processing in the system, and a decision engine which is responsible for risk control strategy packets required by risk control services including an admission strategy, a scoring strategy, a People's Bank of China credit investigation strategy, a three-party datasource strategy, a quota pricing strategy and the like. By adopting the related system and the design method provided by the invention, the data cost can be reduced by at least more than 50% comparedwith the traditional mode of completely calling a plurality of data source interfaces at one time. Meanwhile, the calling sequence and rounds of multiple data sources can be flexibly adjusted, so that the timeliness of online deployment of the system is greatly improved, and the service production efficiency is greatly improved.

Description

technical field [0001] The invention relates to the technical field of financial risk control, in particular to a comprehensive decision-making platform based on a decision-making engine and a method for scheduling data sources. Background technique [0002] During the implementation of the risk control system in the financial credit field, multiple third-party credit data sources are usually connected to assist in risk control, and risk control strategies based on data source variables are deployed in the decision engine. At present, there are many types of third-party credit investigation data sources, including: inquiring about applicants' risk and fraud, big data scoring, multi-head lending, mobile phone online time and status, judicial information, industrial and commercial information, and telecommunications consumption records class etc. In the risk control of credit granting, multiple data sources are usually used together to comprehensively evaluate the risk situat...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/10
CPCG06Q10/103G06Q40/03
Inventor 王玉海张志宏曾杰王克峰洪朝阳
Owner 睿智合创(北京)科技有限公司
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