Manual approval supervision method, device, computer system and storage medium

Abstract

The present disclosure provides a manual approval supervision method, device, computer system and storage medium, which relates to the field of financial technology, including: obtaining applications to be approved; inputting the applications to be approved into the business rule library, and conducting a preliminary review of the business information contained in the applications to be approved; feeding back the sensitive information found in the preliminary review to the approval personnel for reference by the approval personnel and manual approval; after the manual approval is completed, the approved application is input into the business rule library for secondary review; when illegal information is found in the secondary review, the supervisor is prompted to verify the approved application. This method increases the approval process, prompts the approval personnel before approval, and conducts a secondary check after approval, and then completes the first approval of the application to be approved after supervision and review, thereby improving the accuracy and effectiveness of the approval and reducing the risk of approval errors.

Description

Technical Field

[0001] The present disclosure relates to the field of financial technology, and more specifically, to a manual approval supervision method, device, computer system and storage medium. Background Art

[0002] As one of the main businesses of banks, credit card applications require manual approval by credit card reviewers for various customer applications. The manual approval process requires various checks and judgments based on the various materials and information submitted by the applicants, such as whether the customer's age, score, gray list, external fraud, credit check, etc. meet the business requirements. This has put tremendous pressure on the accuracy and effectiveness of the manual approval process of bank card applications, requiring business personnel to be meticulous and patient, but it is still impossible to avoid manual processing errors, and some applications that do not meet the business rules are approved. Summary of the invention

[0003] In view of this, the present disclosure provides a manual approval supervision method, device, computer system and storage medium.

[0004] One aspect of the present disclosure provides a manual approval supervision method, including: obtaining an application to be approved; inputting the application to be approved into a business rule library, and conducting a preliminary review of the business information contained in the application to be approved; feeding back sensitive information found in the preliminary review to the approval personnel for the approval personnel to refer to and conduct manual approval; after the manual approval is completed, inputting the approved application into the business rule library for a secondary review; when illegal information is found in the secondary review, prompting the supervisor to verify the approved application.

[0005] According to an embodiment of the present disclosure, the business rule library includes multiple business rules, each of which defines a valid range and a sensitive range of business information, and the valid range and the sensitive range do not intersect; each of the business rules has a business label for associating the business rule with at least one type of business application.

[0006] According to an embodiment of the present disclosure, the application to be approved is input into a business rule library, and a preliminary review of the business information contained in the application to be approved is conducted, including: obtaining the business category of the application to be approved; matching the business label of each business rule in the business rule library with the business category, and obtaining multiple business rules associated with the application to be approved; based on the obtained business rules, reviewing one by one whether the corresponding business information in the application to be approved exceeds the valid range or belongs to the sensitive range, and generating corresponding review results.

[0007] According to an embodiment of the present disclosure, the business rule library includes multiple business categories, and the business categories are divided into sensitive business categories and regular business categories.

[0008] According to an embodiment of the present disclosure, the step of inputting the application to be approved into a business rule library and conducting a preliminary review of the business information contained in the application to be approved also includes: determining whether the business category of the application to be approved is a sensitive business category; and generating sensitive business review information when the business category of the application to be approved is a sensitive business category.

[0009] According to an embodiment of the present disclosure, after the manual approval is completed, the approved application is input into the business rule library for secondary review, including: obtaining multiple business rules associated with the application to be approved from the business rule library; based on the obtained business rules, reviewing one by one whether the corresponding business information in the application to be approved falls within the valid range; when the business information exceeds the valid range, generating violation business review information.

[0010] According to an embodiment of the present disclosure, when violation information is found during the secondary review, prompting the supervisor to verify the approval application includes: providing the violation information to the supervisor so that the supervisor can confirm whether the violation information is compliant; when the supervisor confirms that the violation information is not compliant, returning the approval application to the approver for re-approval.

[0011] According to an embodiment of the present disclosure, the method of feeding back sensitive information discovered during the preliminary review to the approval personnel includes: generating a corresponding first prompt code and prompt information based on the sensitive information, the first prompt information including the sensitive risk category and specific sensitive information of the application to be approved; and displaying the first prompt code and prompt information through a page for the approval personnel to view.

[0012] According to an embodiment of the present disclosure, the method further includes: counting the approval accuracy rate of the approval personnel and evaluating the approval personnel.

[0013] Another aspect of the present disclosure provides a manual approval supervision device, including: an application acquisition module, used to obtain applications to be approved; a preliminary review module, used to input the applications to be approved into a business rule library, and perform a preliminary review of the business information contained in the applications to be approved; a manual prompt module, used to feed back sensitive information found in the preliminary review to the approval personnel for reference by the approval personnel and manual approval; a secondary review module, used to input the approved application into the business rule library for secondary review after the manual approval is completed; and a supervision review module, used to prompt the supervision personnel to verify the approved application when illegal information is found in the secondary review.

[0014] According to an embodiment of the present disclosure, the business rule library includes multiple business rules, each of which defines a valid range and a sensitive range of business information, and the valid range and the sensitive range do not intersect; each of the business rules has a business label for associating the business rule with at least one type of business application.

[0015] According to an embodiment of the present disclosure, the preliminary review module includes: a category acquisition unit, used to obtain the business category of the application to be approved; a first rule acquisition unit, used to match the business label of each business rule in the business rule library with the business category, and obtain multiple business rules associated with the application to be approved; a preliminary review unit, used to review one by one whether the corresponding business information in the application to be approved exceeds the valid range or belongs to the sensitive range according to the acquired business rules, and generate a corresponding review result.

[0016] According to an embodiment of the present disclosure, the business rule library includes multiple business categories, and the business categories are divided into sensitive business categories and regular business categories.

[0017] According to an embodiment of the present disclosure, the preliminary review module also includes: a business category determination unit, used to determine whether the business category of the application to be approved is a sensitive business category; when the business category of the application to be approved is a sensitive business category, sensitive business review information is generated.

[0018] According to an embodiment of the present disclosure, the secondary review module includes: a second rule acquisition unit, used to obtain multiple business rules associated with the application to be approved from a business rule library; a second-instance judgment unit, used to review one by one whether the corresponding business information in the application to be approved falls within a valid range based on the acquired business rules; when the business information exceeds the valid range, generating violation business review information.

[0019] According to an embodiment of the present disclosure, the supervision and review module includes: a supervision prompt unit, which is used to provide the violation information to the supervisory personnel so that the supervisory personnel can confirm whether the violation information is compliant; and a return approval unit, which is used to return the approval application to the approval personnel for re-approval when the supervisory personnel confirms that the violation information is not compliant.

[0020] According to an embodiment of the present disclosure, the manual prompt module includes: a prompt information generation unit, which is used to generate a corresponding first prompt code and prompt information based on the sensitive information, wherein the first prompt information includes the sensitive risk category and specific sensitive information of the application to be approved; a prompt information display unit, which is used to display the first prompt code and prompt information through a page for the approval personnel to view.

[0021] According to an embodiment of the present disclosure, it also includes: an evaluation module, which is used to count the approval accuracy rate of the approval personnel and evaluate the approval personnel.

[0022] Another aspect of the present disclosure provides a computer system, comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any of the methods described in the first aspect.

[0023] Another aspect of the present disclosure provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, enables the processor to implement any one of the methods of the first aspect.

[0024] According to the embodiments of the present disclosure, the method increases the approval process, reminds the approval personnel before approval, conducts a secondary inspection after approval, and then completes the approval of the application to be approved after supervision and review, thereby improving the accuracy and effectiveness of approval and reducing the risk of approval errors. In the handling of banking business, the method can realize efficient supervision of the intensive operation of review and approval business, achieve full coverage of quality supervision, in-depth risk mining, timely blocking of risks, and reasonable assessment and evaluation of approvers, adapt to the deepening of the centralized approval process of credit card business, improve intelligent and intensive management capabilities, and effectively control operational risks. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The above and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0026] Figure 1 An exemplary system architecture for the manual approval supervision method and apparatus disclosed in the present invention is schematically shown;

[0027] Figure 2 A flowchart of a manual approval supervision method according to an embodiment of the present disclosure is schematically shown;

[0028] Figure 3 The flowchart of step S202 according to the embodiment of the present disclosure is schematically shown;

[0029] Figure 4 Another flow chart of step S202 according to an embodiment of the present disclosure is schematically shown;

[0030] Figure 5 The flowchart of step S203 according to the embodiment of the present disclosure is schematically shown;

[0031] Figure 6 The flowchart of step S204 according to the embodiment of the present disclosure is schematically shown;

[0032] Figure 7 The flowchart of step S205 according to the embodiment of the present disclosure is schematically shown;

[0033] Figure 8 A schematic diagram schematically shows an approval and evaluation method according to an embodiment of the present disclosure;

[0034] Fig. 9 A block diagram of a manual approval supervision device according to an embodiment of the present disclosure is schematically shown;

[0035] Fig.10 A block diagram of a preliminary review module according to an embodiment of the present disclosure is schematically shown;

[0036] Fig.11 Another structural block diagram of the preliminary review module according to an embodiment of the present disclosure is schematically shown;

[0037] Fig.12 A block diagram of a secondary review module according to an embodiment of the present disclosure is schematically shown;

[0038] Fig.13 The block diagram of the supervision and review module according to the embodiment of the present disclosure is schematically shown;

[0039] Fig.14 A block diagram of a prompting manual module according to an embodiment of the present disclosure is schematically shown;

[0040] Fig.15 A block diagram of an evaluation module according to an embodiment of the present disclosure is schematically shown;

[0041] Fig.16 A block diagram of a computer system 1600 suitable for implementing a manual approval supervision device according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0042] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0043] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0044] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0045] In the case of using expressions such as "at least one of A, B, and C, etc.", it should generally be interpreted in accordance with the meaning of the expression generally understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.). In the case of using expressions such as "at least one of A, B, or C, etc.", it should generally be interpreted in accordance with the meaning of the expression generally understood by those skilled in the art (for example, "a system having at least one of A, B, or C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0046] The embodiments of the present disclosure provide a manual approval supervision method and device, a computer system and a computer-readable storage medium. The method increases the approval process, prompts the approval personnel before approval, conducts a secondary check after approval, and then completes the approval of the application to be approved after supervision and review, thereby improving the accuracy and effectiveness of approval and reducing the risk of approval errors.

[0047] Figure 1 The exemplary system architecture 100 to which the manual approval supervision method and device according to the embodiment of the present disclosure can be applied is schematically shown. It should be noted that: Figure 1 What is shown is merely an example of a system architecture to which the embodiments of the present disclosure can be applied, in order to help those skilled in the art understand the technical content of the present disclosure, but it does not mean that the embodiments of the present disclosure cannot be used in other devices, systems, environments or scenarios.

[0048] like Figure 1 As shown, the system architecture 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired and / or wireless communication links, etc.

[0049] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients and / or social platform software, etc. (only as examples).

[0050] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0051] The server 105 may be a server that provides various services, such as a background management server (only an example) that provides support for websites browsed by users using the terminal devices 101, 102, and 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0052] It should be noted that the manual approval supervision method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the manual approval supervision device provided in the embodiment of the present disclosure can generally be set in the server 105. The manual approval supervision method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Correspondingly, the manual approval supervision device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Alternatively, the manual approval supervision method provided in the embodiment of the present disclosure can also be executed by the terminal devices 101, 102, or 103, or can also be executed by other terminal devices different from the terminal devices 101, 102, or 103. Accordingly, the manual approval supervision device provided in the embodiment of the present disclosure may also be arranged in the terminal device 101 , 102 , or 103 , or in other terminal devices different from the terminal device 101 , 102 , or 103 .

[0053] For example, the application to be approved may be originally stored in any one of the terminal devices 101, 102, or 103 (for example, the terminal device 101, but not limited thereto), or stored in an external storage device and imported into the terminal device 101. Then, the terminal device 101 may locally execute the manual approval supervision method provided by the embodiment of the present disclosure, or send the application to be approved to other terminal devices, servers, or server clusters, and the other terminal devices, servers, or server clusters that receive the application to be approved may execute the manual approval supervision method provided by the embodiment of the present disclosure.

[0054] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0055] Figure 2 The flowchart of the manual approval supervision method according to an embodiment of the present disclosure is schematically shown.

[0056] like Figure 2 As shown, the method includes operations S201 to S205.

[0057] In operation S201, applications to be approved are obtained.

[0058] In operation S202, the application to be approved is input into a business rule library, and a preliminary review is performed on the business information included in the application to be approved.

[0059] In operation S203, the sensitive information found in the preliminary review is fed back to the reviewer for reference and manual review.

[0060] In operation S204, after the manual approval is completed, the approved application is input into the business rule library for secondary review.

[0061] In operation S205, when illegal information is found in the secondary review, the supervisor is prompted to check the approval application.

[0062] Compared with the general manual approval method, this method adds an approval process, automatically pre-examines the application to be approved before manual approval, and gives pre-approval prompts to the approver based on the review results, so that the approver can carefully review the information specially pointed out in the prompt to avoid mistakes, and automatically conduct a secondary check after approval to further prevent omissions in manual review. If an error is found, it will be manually supervised and reviewed to determine whether there is really a problem in the manual review. After confirmation, the application to be approved is approved once, thereby improving the accuracy and effectiveness of approval and reducing the risk of approval errors. This method can be applied to the review process of bank business, for example, to realize efficient supervision of the intensive operation of review and approval business, achieve full coverage of quality supervision, in-depth risk mining, timely risk blocking, and reasonable assessment and evaluation of approvers, adapt to the deepening of the centralized approval process of credit card business, improve intelligent and intensive management capabilities, and effectively control operational risks.

[0063] According to the manual approval supervision method provided by the embodiment of the present disclosure, the business rule library may include multiple business rules, each of which defines the effective range and sensitive range of a business information, and the effective range and sensitive range do not intersect; each of the business rules is accompanied by a business label for associating the business rule with at least one type of business application.

[0064] For example, for business information related to names, the corresponding business rules can specify the character range and surname range of the input name information; for business information involving amounts, the corresponding business rules can specify the allowable amount range, as well as the amount range that needs to be noted when exceeding the allowable amount range. Specifically, for example, for the amount applied for transfer by a user, the allowed transfer range is the balance in his account. If the amount applied for transfer by the user is higher than his balance, or even if he has applied for a partial loan, the approval personnel should pay attention.

[0065] Each business rule carries at least one business tag. For example, a business rule involving age can be associated with loan business, loan repayment business, and provident fund payment business.

[0066] Figure 3 The flowchart of step S202 according to the embodiment of the present disclosure is schematically shown.

[0067] like Figure 3 As shown, the preliminary review according to operation S202 includes operations S301-303.

[0068] In operation S301, the business category of the application to be approved is obtained.

[0069] In operation S302, the business label of each business rule in the business rule library is matched with the business category to obtain a plurality of business rules associated with the application to be approved.

[0070] In operation S303, according to the acquired business rules, the corresponding business information in the pending application is examined one by one to determine whether it exceeds the valid range or belongs to the sensitive range, and a corresponding examination result is generated.

[0071] According to the embodiments of the present disclosure, each application to be approved should carry a business category label of the business it applies for. Based on the label, it is matched one by one with each business rule in the business rule library to obtain the business rules corresponding to each business information in the application to be approved, and the corresponding business information is matched respectively through the business rules to determine whether the business information complies with the regulations or touches on sensitive information, thereby generating corresponding prompt information to enhance the approval personnel to carefully review the relevant information and avoid omissions or errors in the approval.

[0072] Furthermore, the business rule library also includes multiple business categories, which are divided into sensitive business categories and regular business categories. For example, general banking business operation applications belong to the regular business category, such as account application, account cancellation, etc., while business data involving large transfers belong to the sensitive business category and need to be carefully approved.

[0073] Figure 4 Another flow chart of step S202 according to an embodiment of the present disclosure is schematically shown.

[0074] like Figure 4 As shown, the preliminary review according to operation S202 also includes operations S401-402.

[0075] In operation S401, it is determined whether the business category of the application to be approved is a sensitive business category.

[0076] In operation S402, when the business category of the application to be approved is a sensitive business category, sensitive business review information is generated.

[0077] According to the embodiments of the present disclosure, the process is used to identify sensitive business categories. When processing applications such as large withdrawals, large certificates of deposit, or loans for elderly users or large loans for low-income users, the process should be handled with caution, the business should be identified, and the approval personnel should be prompted to strictly approve it in accordance with the regulations.

[0078] Figure 5 The flowchart of step S203 according to the embodiment of the present disclosure is schematically shown.

[0079] like Figure 5 As shown, the step of prompting the manual reviewer as shown in step S203 includes S501 to S502.

[0080] S501, generating a corresponding first prompt code and prompt information according to the sensitive information, wherein the first prompt information includes the sensitive risk category and specific sensitive information of the application to be approved.

[0081] S502: Display the first prompt code and prompt information to the approval personnel through a page.

[0082] For example, if the application currently awaiting approval involves a relatively high amount and includes problems such as incomplete or incorrect identity information, the business code corresponding to the relatively high amount and the business code corresponding to the incorrect information can be obtained, and the code and the information of the relatively large amount and incorrect information can be output together on the page for the reviewer to review, so as to serve as an early reminder.

[0083] Figure 6 The flowchart of step S204 according to the embodiment of the present disclosure is schematically shown.

[0084] like Figure 6 As shown, after the manual approval is completed, the approved application is input into the business rule library for secondary review including operations S601 to S603.

[0085] In operation S601, a plurality of business rules associated with the application to be approved are obtained from a business rule library.

[0086] In operation S602, according to the acquired business rules, the corresponding business information in the pending application is examined one by one to see whether it is within a valid range.

[0087] In operation S603, when the service information exceeds the valid range, illegal service review information is generated.

[0088] According to an embodiment of the present disclosure, in order to avoid omissions that are not discovered by manual review, applications that have been approved will be subject to a second automatic review. The review process may be the same as the first review or may be different. For example, if the first review finds that the application has problems with hard indicators such as name and gender not meeting requirements or age exceeding the limit, even if the application is approved, the second review may conduct a local check on these problems again, or may conduct a global check, or even return the application.

[0089] It should be noted that the illegal information and sensitive information mentioned here may be the same or different. Sensitive information may include illegal information. For example, for age information, if the age information exceeds the normal range, the information will be sensitive information in the initial review. If the application is approved, the information will be illegal information in the secondary review. For large-value fund transfer business, in the initial review, although the amount is within the permitted range, it should be approved with caution due to the huge amount, and is therefore classified as sensitive information. In the secondary review, the information does not exceed the permitted range and is therefore not considered illegal information. For name information, in the initial review, it will prompt whether the number of characters in the name or the surname is correct. If the number of characters in the name exceeds the limit, but the application is approved in the manual approval link, and in the secondary review, it is found that the information does not meet the specifications, then the information is illegal information.

[0090] Figure 7 The flowchart of step S205 according to the embodiment of the present disclosure is schematically shown.

[0091] like Figure 7 As shown, according to operation S205, when illegal information is found in the secondary review, the supervisor is prompted to verify the approval application including operations S701 to S702.

[0092] In operation S701, the violation information is provided to a supervisor so that the supervisor can confirm whether the violation information is compliant.

[0093] In operation S702, when the supervisor confirms that the violation information is not compliant, the approval application is returned to the approver for re-approval.

[0094] In the disclosed embodiment, the role of the supervisory personnel is to enhance the flexibility of approval and avoid overly strict approval that may result in some applications that could be approved being considered as violations; on the other hand, the supervisory personnel can confirm the violation information and urge the approval personnel to conduct a strict review of the application.

[0095] Figure 8 A schematic diagram of the approval and evaluation method according to an embodiment of the present disclosure is schematically shown.

[0096] like Figure 8 As shown, according to the embodiments of the present disclosure, in addition to Figures 1 to 7 The method shown executes the approval process and may further include operation S801.

[0097] In operation S801, the approval accuracy rate of the approval personnel is counted and the approval personnel are evaluated.

[0098] In this way, the evaluation results can be used to further urge the approval personnel to conduct strict inspections and reviews, and the performance of the approval personnel can also be evaluated based on the evaluation results.

[0099] Fig. 9 A block diagram of a manual approval supervision device according to an embodiment of the present disclosure is schematically shown.

[0100] like Fig. 9 As shown, a manual approval supervision device 900 includes: an application acquisition module 910, a preliminary review module 920, a manual prompt module 930, a secondary review module 940, and a supervision review module 950.

[0101] The application acquisition module 910 is used to acquire applications to be approved.

[0102] The preliminary review module 920 is used to input the application to be approved into the business rule library and perform a preliminary review on the business information contained in the application to be approved.

[0103] The manual prompt module 930 is used to feed back the sensitive information found in the preliminary review to the reviewer for reference and manual review.

[0104] The secondary review module 940 is used to input the approved application into the business rule library for secondary review after the manual review is completed.

[0105] The supervision and review module 950 is used to prompt the supervisor to verify the approval application when illegal information is found in the secondary review.

[0106] In the disclosed embodiment, the business rule library includes multiple business rules, each of which defines a valid range and a sensitive range of business information, and the valid range and the sensitive range do not intersect; each of the business rules has a business tag for associating the business rule with at least one type of business application.

[0107] Fig.10 The block diagram of the preliminary review module according to the embodiment of the present disclosure is schematically shown.

[0108] like Fig.10 As shown, the preliminary review module 920 in the embodiment of the present disclosure includes: a category acquisition unit 1001 , a first rule acquisition unit 1002 , and a preliminary determination unit 1003 .

[0109] The category acquisition unit 1001 is used to acquire the business category of the application to be approved.

[0110] The first rule acquisition unit 1002 is used to match the business label of each business rule in the business rule library with the business category to acquire multiple business rules associated with the application to be approved.

[0111] The preliminary review unit 1003 is used to review, according to the acquired business rules, whether the corresponding business information in the application to be approved exceeds the valid range or belongs to the sensitive range, and generate a corresponding review result.

[0112] In the disclosed embodiment, the business rule library also includes multiple business categories, which are divided into sensitive business categories and regular business categories.

[0113] Fig.11 Another structural block diagram of the preliminary review module according to an embodiment of the present disclosure is schematically shown.

[0114] like Fig.11 As shown, in addition to the category acquisition unit 1001 , the first rule acquisition unit 1002 , and the preliminary determination unit 1003 , the preliminary review module 920 further includes: a business category determination unit 1101 .

[0115] A business category determination unit is used to determine whether the business category of the application to be approved is a sensitive business category.

[0116] When the business category of the application to be approved is a sensitive business category, the business category determination unit will generate sensitive business review information.

[0117] Fig.12 The block diagram of the secondary review module according to the embodiment of the present disclosure is schematically shown.

[0118] like Fig.12 As shown, according to an embodiment of the present disclosure, the secondary review module 940 includes: a second rule acquisition unit 1201 and a second-instance determination unit 1202 .

[0119] The second rule acquisition unit 1201 is used to acquire a plurality of business rules associated with the application to be approved from a business rule library.

[0120] The second instance determination unit 1202 is used to examine whether the corresponding business information in the application to be approved is within the valid range according to the acquired business rules.

[0121] When the business information exceeds the valid range, the second instance determination unit 1202 generates illegal business review information.

[0122] Fig.13 A block diagram of a supervisory review module according to an embodiment of the present disclosure is schematically shown.

[0123] like Fig.13 As shown, according to the present disclosure, the supervision and review module 950 includes: a supervision prompt unit 1301 and a return approval unit 1302.

[0124] The supervision prompting unit 1301 is used to provide the violation information to the supervisor so that the supervisor can confirm whether the violation information is compliant;

[0125] The return approval unit 1302 is used to return the approval application to the approval personnel for re-approval when the supervisor confirms that the violation information is not compliant.

[0126] Fig.14 The block diagram of the prompting manual module according to an embodiment of the present disclosure is schematically shown.

[0127] like Fig.14 As shown, according to an embodiment of the present disclosure, the prompting manual module 920 includes: a prompting information generating unit 1401 and a prompting information displaying unit 1402 .

[0128] The prompt information generating unit 1401 is used to generate a corresponding first prompt code and prompt information according to the sensitive information, wherein the first prompt information includes the sensitive risk category and specific sensitive information of the application to be approved.

[0129] The prompt information display unit 1402 is used to display the first prompt code and prompt information through a page for the approval personnel to view.

[0130] Fig.15 The block diagram of the evaluation module according to the embodiment of the present disclosure is schematically shown.

[0131] like Fig.15 As shown, the manual approval supervision device 900 in the embodiment of the present disclosure includes, in addition to the application acquisition module 910 , the preliminary review module 920 , the manual prompt module 930 , the secondary review module 940 , and the supervision review module 950 , it also includes: an evaluation module 960 .

[0132] The evaluation module 960 is used to count the approval accuracy of the approving personnel and evaluate the approving personnel.

[0133] According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits, or at least part of the functions of any one of them can be implemented in one module. According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits can be split into multiple modules for implementation. According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits can be at least partially implemented as hardware circuits, such as field programmable gate arrays (FPGAs), programmable logic arrays (PLAs), systems on chips, systems on substrates, systems on packages, application specific integrated circuits (ASICs), or can be implemented by hardware or firmware in any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware, and firmware, or in any appropriate combination of any of them. Alternatively, according to the embodiments of the present invention, one or more of the modules, submodules, units, and subunits can be at least partially implemented as computer program modules, and when the computer program modules are run, the corresponding functions can be performed.

[0134] For example, any of the application acquisition module 910, the preliminary review module 920, the manual prompt module 930, the secondary review module 940, the supervisory review module 950, and the evaluation module 960 can be combined into one module / unit / sub-unit for implementation, or any of the modules / units / sub-units can be split into multiple modules / units / sub-units. Alternatively, at least part of the functions of one or more of these modules / units / sub-units can be combined with at least part of the functions of other modules / units / sub-units and implemented in one module / unit / sub-unit. According to an embodiment of the present disclosure, at least one of the application acquisition module 910, the preliminary review module 920, the prompt manual module 930, the secondary review module 940, the supervisory review module 950, and the evaluation module 960 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or by any one of the three implementation methods of software, hardware, and firmware, or by an appropriate combination of any of them. Alternatively, at least one of the application acquisition module 910, the preliminary review module 920, the prompt manual module 930, the secondary review module 940, the supervisory review module 950, and the evaluation module 960 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be performed.

[0135] It should be noted that the manual approval supervision device part in the embodiment of the present disclosure corresponds to the manual approval supervision method part in the embodiment of the present disclosure. The description of the manual approval supervision device part specifically refers to the manual approval supervision part, which will not be repeated here.

[0136] Fig.16 A block diagram of a computer system suitable for implementing the method described above according to an embodiment of the present disclosure is schematically shown. Fig.16 The computer system shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0137] like Fig.16 As shown, the computer system 1600 according to the embodiment of the present disclosure includes a processor 1601, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1602 or the program loaded from the storage part 1608 to the random access memory (RAM) 1603. The processor 1601 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (for example, an application-specific integrated circuit (ASIC)), etc. The processor 1601 may also include an onboard memory for caching purposes. The processor 1601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to the embodiment of the present disclosure.

[0138] In RAM 1603, various programs and data required for the operation of system 1600 are stored. Processor 1601, ROM 1602 and RAM 1603 are connected to each other through bus 1604. Processor 1601 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 1602 and / or RAM 1603. It should be noted that the program can also be stored in one or more memories other than ROM 1602 and RAM 1603. Processor 1601 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0139] According to an embodiment of the present disclosure, the system 1600 may further include an input / output (I / O) interface 1605, which is also connected to the bus 1604. The system 1600 may further include one or more of the following components connected to the I / O interface 1605: an input section 1606 including a keyboard, a mouse, etc.; an output section 1607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1608 including a hard disk, etc.; and a communication section 1609 including a network interface card such as a LAN card, a modem, etc. The communication section 1609 performs communication processing via a network such as the Internet. A drive 1610 is also connected to the I / O interface 1605 as needed. A removable medium 1611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1610 as needed, so that a computer program read therefrom is installed into the storage section 1608 as needed.

[0140] According to an embodiment of the present disclosure, the method flow according to an embodiment of the present disclosure can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a computer-readable storage medium, and the computer program contains a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1609, and / or installed from the removable medium 1611. When the computer program is executed by the processor 1601, the above-mentioned functions defined in the system of the embodiment of the present disclosure are executed. According to an embodiment of the present disclosure, the system, equipment, device, module, unit, etc. described above can be implemented by a computer program module.

[0141] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0142] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium. For example, it may include, but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program that may be used by or in combination with an instruction execution system, apparatus, or device.

[0143] For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the ROM 1602 and / or the RAM 1603 described above and / or one or more memories other than the ROM 1602 and the RAM 1603 .

[0144] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0145] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0146] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A manual approval supervision method, comprising: Get pending applications; Input the pending application into a business rule library, and conduct a preliminary review of the business information contained in the pending application; the business rule library includes multiple business categories, which are divided into sensitive business categories and regular business categories; Feedback sensitive information found during the initial review to the reviewer for reference and manual review; After the manual approval is completed, the approved application is input into the business rule library for secondary review, including: obtaining multiple business rules associated with the application to be approved from the business rule library; according to the obtained business rules, reviewing one by one whether the corresponding business information in the application to be approved belongs to the valid range; when the business information exceeds the valid range, generating illegal business review information; When any violation information is found during the secondary review, the supervisor is prompted to verify the approval application; The business rule library includes a plurality of business rules, each of which defines a valid range and a sensitive range of business information, wherein the valid range and the sensitive range do not intersect; each of the business rules has a business tag for associating the business rule with at least one type of business application; The step of inputting the pending application into the business rule library and conducting a preliminary review of the business information contained in the pending application includes: Obtain the business category of the application to be approved; Matching the business label of each business rule in the business rule library with the business category to obtain multiple business rules associated with the application to be approved; According to the acquired business rules, the corresponding business information in the pending application is examined one by one to see whether it exceeds the valid range or belongs to the sensitive range, and a corresponding examination result is generated; The step of inputting the pending application into a business rule library and conducting a preliminary review of the business information contained in the pending application further includes: Determining whether the business category of the application to be approved is a sensitive business category; When the business category of the application to be approved is a sensitive business category, sensitive business review information is generated.

2. According to the method of claim 1, when illegal information is found in the secondary review, prompting the supervisor to verify the approved application includes: Providing the violation information to the supervisor so that the supervisor can confirm whether the violation information is compliant; When the supervisor confirms that the violation information is not compliant, the approval application is returned to the approver for re-approval.

3. According to the method of claim 1, the step of feeding back the sensitive information found in the preliminary review to the reviewer comprises: Generate a corresponding first prompt code and first prompt information according to the sensitive information, wherein the first prompt information includes the sensitive risk category and specific sensitive information of the application to be approved; The first prompt code and the first prompt information are displayed to the reviewer through the page.

4. The method according to claim 1, further comprising: The approval accuracy rate of the approving personnel is counted and the approving personnel are evaluated.

5. A manual approval supervision device, comprising: Application acquisition module, used to obtain applications to be approved; A preliminary review module, used to input the pending application into a business rule library and conduct a preliminary review of the business information contained in the pending application; the business rule library includes multiple business categories, which are divided into sensitive business categories and regular business categories; The manual prompt module is used to feed back sensitive information found in the preliminary review to the reviewer for reference and manual review; A secondary review module is used to input the approved application into the business rule library for secondary review after the manual review is completed; The secondary review module includes: a second rule acquisition unit, which is used to acquire multiple business rules associated with the application to be approved from a business rule library; a second review unit, which is used to review whether the corresponding business information in the application to be approved belongs to a valid range according to the acquired business rules; when the business information exceeds the valid range, generate illegal business review information; A supervision and review module is used to prompt supervisors to verify the approval application when illegal information is found during the secondary review; The business rule library includes a plurality of business rules, each of which defines a valid range and a sensitive range of business information, wherein the valid range and the sensitive range do not intersect; each of the business rules has a business tag for associating the business rule with at least one type of business application; The preliminary review module includes: A category acquisition unit, used to acquire the business category of the application to be approved; A first rule acquisition unit, configured to match the business label of each business rule in the business rule library with the business category, and acquire multiple business rules associated with the application to be approved; The preliminary review unit is used to review, according to the acquired business rules, whether the corresponding business information in the pending application exceeds the valid range or belongs to the sensitive range, and generate corresponding review results; A business category determination unit, used to determine whether the business category of the application to be approved is a sensitive business category; When the business category of the application to be approved is a sensitive business category, sensitive business review information is generated.

6. The device according to claim 5, wherein the supervisory review module comprises: A supervision prompting unit, used to provide the violation information to the supervisor, so that the supervisor can confirm whether the violation information is in compliance with the regulations; The return approval unit is used to return the approval application to the approval personnel for re-approval when the supervisor confirms that the violation information is not compliant.

7. The device according to claim 5, wherein the prompting manual module comprises: A prompt information generating unit, configured to generate a corresponding first prompt code and first prompt information according to the sensitive information, wherein the first prompt information includes a sensitive risk category and specific sensitive information of the application to be approved; The prompt information display unit is used to display the first prompt code and the first prompt information through a page for the approval personnel to view.

8. The apparatus according to claim 5, further comprising: The evaluation module is used to count the approval accuracy of the approving personnel and evaluate the approving personnel.

9. A computer system comprising: one or more processors; a memory for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 4.

10. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, enables the processor to implement the method according to any one of claims 1 to 4.

Images