Business data processing method and platform based on data sandbox environment output

Abstract

The present application provides a business data processing method and platform based on the output of a data sandbox environment, wherein the platform includes a sandbox and a data processing unit; the sandbox has a first application program interface API and a second API; the data processing unit has a third API; the sandbox is used to receive first business data from a non-public data platform through the first API, encrypt the first business data to obtain first encrypted data, and send the first encrypted data to the data processing unit through the second API; the data processing unit is used to obtain the first encrypted data from the sandbox through the third API, perform data processing on the first encrypted data, and obtain a business data processing result. The platform of the present application solves the problem that the existing computing platform architecture cannot obtain the accurate capacity value of the debtor's repayment capacity while ensuring data security.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a business data processing method and platform based on data sandbox environment output. Background Art

[0002] In order to avoid bank operating losses caused by lending to bad debtors, banks usually use data processing algorithms to calculate the repayment capacity of the loan applicant (i.e., the debtor). Based on the calculated capacity value, banks can judge the repayment capacity of the debtor and identify the bad debtors.

[0003] At present, the data processing algorithm for obtaining the ability value of repayment ability mainly includes the following processing process: the computing unit of the computing platform interfaces with the external data platform to obtain external public data related to the debtor enterprise; then the computing unit performs a weighted algorithm on the data it collects, and finally obtains the corresponding ability value. For example, the computing unit can interface with the government platform and the third-party consulting platform, and the computing unit can also provide an interface for bank staff to input data. The computing unit can integrate the data collected by these interfaces to perform weighted algorithm processing.

[0004] Due to data security and scope of authority, the existing processing process can only use external public data, such as the public reward data on government websites, the judgment data on the court system website, and other data related to the debtor's repayment ability. Manual input is only the public financial report data of the debtor. Therefore, the computing platform architecture of the existing technology is not sufficient to support a richer and more accurate data source, and thus cannot obtain the accurate value of the debtor's repayment ability. Summary of the invention

[0005] The present application provides a business data processing method and platform based on the output of a data sandbox environment to solve the problem that the computing platform architecture of the prior art is insufficient to support richer and more accurate data sources and cannot obtain the accurate capacity value of the debtor's repayment capacity.

[0006] In a first aspect, the present application provides a business data processing platform based on data sandbox environment output, including a sandbox and a data processing unit;

[0007] The sandbox has a first application programming interface API and a second API;

[0008] The data processing unit has a third API;

[0009] The sandbox is used to receive first business data from the non-public data platform through the first API, encrypt the first business data to obtain first encrypted data, and send the first encrypted data to the data processing unit through the second API;

[0010] The data processing unit is used to obtain the first encrypted data from the sandbox through the third API, perform data processing on the first encrypted data, and obtain a business data processing result.

[0011] Optionally, the data processing unit has a fourth API;

[0012] The data processing unit is specifically used to obtain the second business data from the public data platform through the fourth API, encrypt the second business data to obtain second encrypted data; perform data processing on the first encrypted data and the second encrypted data to obtain an encryption capability value, decrypt the encryption capability value, and obtain a business data processing result.

[0013] Optionally, the sandbox is specifically used to receive first business data from a non-public data platform through the first API, receive second business data from a public data platform, encrypt the first business data and the second business data to obtain first encrypted data, and send the first encrypted data to the data processing unit through the second API;

[0014] The data processing unit is specifically used to obtain the first encrypted data from the sandbox through a third API, perform data processing on the first encrypted data to obtain an encryption capability value, decrypt the encryption capability value, and obtain a business data processing result.

[0015] In a second aspect, the present application provides a business data processing method based on the output of a data sandbox environment, which is applied to a platform including a sandbox and a data processing unit, and the method includes:

[0016] The sandbox receives first business data from a non-public data platform through a first application program interface (API), encrypts the first business data to obtain first encrypted data, and sends the first encrypted data to the data processing unit through a second API;

[0017] The data processing unit obtains the first encrypted data from the sandbox through the third API, performs data processing on the first encrypted data, and obtains a business data processing result.

[0018] Optionally, the performing data processing on the first encrypted data to obtain a business data processing result specifically includes:

[0019] The data processing unit obtains the second business data from the public data platform through the fourth API, encrypts the second business data, and obtains the second encrypted data; processes the first encrypted data and the second encrypted data to obtain an encryption capability value, decrypts the encryption capability value, and obtains a business data processing result.

[0020] Optionally, it also includes:

[0021] The sandbox receives first business data from a non-public data platform through the first API, receives second business data from a public data platform, encrypts the first business data and the second business data to obtain first encrypted data, and sends the first encrypted data to the data processing unit through the second API;

[0022] The data processing unit obtains the first encrypted data from the sandbox through a third API, performs data processing on the first encrypted data to obtain an encryption capability value, decrypts the encryption capability value, and obtains a business data processing result.

[0023] Optionally, the encryption process includes:

[0024] Desensitize the data to be processed to obtain desensitized data;

[0025] Classifying the desensitized data according to business attributes to obtain classified desensitized data;

[0026] A sub-algorithm is used to perform classification calculation on the classified desensitized data to obtain encrypted data after encryption processing.

[0027] Optionally, the adopting a sub-algorithm to perform classification calculation on the classified desensitized data to obtain encrypted data after encryption processing includes:

[0028] Using formula Determine the encrypted data D corresponding to each classified desensitized data i ;

[0029] Among them, P j where are the component values ​​in the classified desensitized data i, j = 1, 2, 3, ..., k, i = 1, 2, 3, ..., O i1 is the first preset threshold corresponding to the classified desensitized data i, and [] is the rounding according to the preset rounding rule corresponding to the classified desensitized data i.

[0030] Optionally, the data processing includes:

[0031] The model algorithm is used to calculate the encrypted data to be processed to obtain an encryption capability value, and the encryption capability value is decrypted to obtain a business data processing result.

[0032] Optionally, the using a model algorithm to calculate the encrypted data to be processed to obtain an encryption capability value includes:

[0033] Classify the encrypted data to be processed according to the data level to obtain the veto item encrypted data and the non-veto item encrypted data;

[0034] Based on the veto item encrypted data and non-veto item encrypted data, the formula Z=ΠA is used. m ×∑(W n ×B n ) Determine the encryption capability value Z;

[0035] Among them, A m Encrypt data for veto items, B n Encrypt data for non-veto items, m and n are natural numbers greater than zero, W n Encrypt data B for non-veto items n The weight of .

[0036] The business data processing method and platform based on the output of the data sandbox environment provided by the present application realize the acquisition of corresponding business data from the public data platform and the non-public data platform, and obtain accurate business data processing results based on the real business data under the premise of data security, so as to accurately judge the repayment ability of the debtor. The business data processing method and platform based on the output of the data sandbox environment provided by the present application ensure that the non-public first business data of the non-public data platform and its processing are all in the sandbox. At the same time, the business data processing method and platform based on the output of the data sandbox environment provided by the present application process the first encrypted data output by the sandbox and the second business data from the public data platform, ensuring data security and the accuracy of the business data processing results, supporting and obtaining a richer and more accurate data source for banks to identify bad debtors. Therefore, the business data processing method and platform based on the output of the data sandbox environment provided by the present application solve the problem that the computing platform architecture of the prior art is not enough to support a richer and more accurate data source, and thus cannot obtain the accurate capacity value of the debtor's repayment ability, under the premise of ensuring data security. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0038] Figure 1 The existing business data processing system architecture diagram provided for this application;

[0039] Figure 2 Business data processing system architecture provided for the embodiment of the present application Figure 1 ;

[0040] Figure 3 Business data processing system architecture provided for the embodiment of the present application Figure 2 ;

[0041] Figure 4 The process of the business data processing method provided in the embodiment of the present application in the platform Figure 1 ;

[0042] Figure 5 An encryption process flow chart provided for an embodiment of the present application;

[0043] Figure 6 A data processing flow chart provided for an embodiment of the present application;

[0044] Figure 7 The process of the business data processing method provided in the embodiment of the present application in the platform Figure 2 .

[0045] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0046] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0047] When banks are handling corporate loan business, they usually use data processing algorithms to calculate the repayment capacity value of the debtor enterprise. Based on the calculated capacity value, the bank can judge the repayment capacity of the debtor enterprise and then identify the bad debtor. Among them, the calculation of the capacity value is mainly obtained through the existing computing platform. The architecture of the computing platform in the entire data processing system can be seen in Figure 1 . Figure 1 The existing data processing system architecture diagram provided for this application. Figure 1As shown, the existing data processing system includes a computing platform 11 and a public data platform 12. The computing platform 11 includes a computing processing unit 111. The computing processing unit 111 is connected to the public data platform 12. Optionally, the public data platform 12 includes one or more (e.g., h, where h is a natural number greater than 1) public data platforms. Optionally, the public data platform 12 can be one or more of a government public platform or a third-party consulting platform.

[0048] Specifically, the computing processing unit 111 interfaces with the public data platform 12 and obtains public data related to the debtor enterprise from the public data platform 12. Then, the data processing unit 111 performs a weighted algorithm on the obtained public data to obtain a corresponding capability value. Furthermore, the data processing unit 111 can also provide an interface for bank staff to input data, and the data processing unit 111 can perform a weighted algorithm on the data collected by these interfaces to obtain a capability value.

[0049] However, due to data security and scope of authority, the existing computing platform 11 can only use the public data of the public data platform 12, such as the public financial reward data on the government website, the judgment data on the court system website, and other data related to the debtor's repayment ability. The manual input is only the public financial report data of the debtor. Therefore, the computing platform 11 of the prior art has the problem that its architecture is not sufficient to support a richer and more accurate data source, and thus cannot obtain the accurate ability value of the debtor's repayment ability.

[0050] To solve the above problems, the present application provides a business data processing platform based on the output of a data sandbox environment. The business data processing platform is described below through some of the embodiments listed below.

[0051] The embodiment of the present application provides a business data processing platform based on the output of the data sandbox environment. The deployment of the business data processing platform in the data processing system is shown in FIG. Figure 2 . Figure 2 Business data processing system architecture provided for the embodiment of the present application Figure 1 .like Figure 2As shown, the business data processing system provided in the embodiment of the present application includes: a business data processing platform 21, a public data platform 12 and a non-public data platform 13. Among them, the business data processing platform 21 includes a data processing unit 211 and a sandbox 212. Optionally, the non-public data platform 13 can be one or more (such as r, r is a natural number greater than 1) non-public data platforms, which is not specifically limited in the embodiment of the present application. Optionally, the non-public data platform 13 can be one or more of the business platforms of government departments or third-party consulting platforms, which is not specifically limited in the embodiment of the present application. The sandbox 212 is respectively connected to the non-public data platform 13 and the data processing unit 211, and the data processing unit 211 is connected to the public data platform 12. Among them, the sandbox 212 has a first application programming interface (Application Programming Interface, referred to as: API) and a second API, and the data processing unit 211 has a third API.

[0052] Specifically, the sandbox 212 receives its non-public first business data from the non-public data platform 13 through the first API. After the sandbox 212 encrypts the first business data, it obtains the first encrypted data, and sends the first encrypted data to the data processing unit 211 through the second API. Then, the data processing unit 211 processes the first encrypted data to obtain the business data processing result. Specifically, the data processing unit 211 obtains the first encrypted data from the sandbox 212 through the third API, and then processes the first encrypted data to obtain the business data processing result. Bank staff can use the business data processing results to identify bad debtors. The second API is set to only output encrypted data to achieve control over the data output in the sandbox 212, further ensuring the data security in the sandbox 212.

[0053] Furthermore, the data processing unit 211 also has a fourth API. The data processing unit 211 obtains the second business data disclosed by the public data platform 12 from the public data platform 12 through the fourth API. Then, the data processing unit 211 encrypts the second business data to obtain second encrypted data. Further, the data processing unit 211 performs data processing on the first encrypted data and the second encrypted data to obtain an encryption capability value. Then, the data processing unit 211 decrypts the encrypted capability value, that is, obtains a business data processing result for identifying a bad debtor.

[0054] The business data processing platform provided in the embodiment of the present application includes a data processing unit and a sandbox. Among them, the sandbox has a first application program interface API for obtaining first business data from a non-public data platform, and a second API for sending first encrypted data. The data processing unit has a third API for obtaining the first encrypted data from the sandbox and a fourth API for obtaining the second business data from the public data platform. The business data processing platform provided in the embodiment of the present application obtains the business data processing results for identifying the bad debtor after encrypting and processing the business data. The business data processing platform provided in the present application ensures that the first business data and its processing of the non-public data platform are in the sandbox, and at the same time, the first encrypted data output by the sandbox and the second business data outside the sandbox are processed to ensure data security. Therefore, the business data processing platform provided in the present application supports and obtains a richer and more accurate data source for banks to identify bad debtors on the premise of ensuring data security, ensuring the accuracy of the business data processing results. Furthermore, the business data processing platform provided in the present application greatly improves the accuracy of the ability value reflecting the debtor's repayment ability.

[0055] Preferably, the present application also provides another business data processing platform based on the output of the data sandbox environment. The deployment of the business data processing platform in the data processing system is shown in Figure 3 . Figure 3 Business data processing system architecture provided for the embodiment of the present application Figure 2 .like Figure 3 As shown, the business data processing system provided by the embodiment of the present application includes: a business data processing platform 21, a public data platform 12 and a non-public data platform 13. Among them, the business data processing platform 21 includes a data processing unit 211 and a sandbox 212. The sandbox 212 is connected to the non-public data platform 13 and the data processing unit 211 respectively, and at the same time, the sandbox 212 is also connected to the public data platform 12. Among them, the sandbox 212 has a first application program interface API and a second API, and the data processing unit 211 has a third API.

[0056] Specifically, the sandbox 212 receives the first business data and the second business data from the non-public data platform 13 and the public data platform 12 respectively through the first API. Then, the sandbox 212 encrypts the first business data and the second business data to obtain the first encrypted data, and sends the first encrypted data to the data processing unit 211 through the second API. Then, the data processing unit 211 processes the first encrypted data to obtain the encryption capability value. After the data processing unit 211 decrypts the encryption capability value, it obtains the business data processing result. Bank staff can use the business data processing result to identify the bad debtor.

[0057] The business data processing platform provided in the embodiment of the present application Figure 2 The business data processing platform of the embodiment shown in the figure is further improved, specifically, the first business data and the second business data of the non-public data platform and the public data platform are obtained through the sandbox, and encrypted. Figure 2 The technical effect of the embodiment shown is that the overall connection structure is simpler, which facilitates the management and maintenance of the entire business data processing platform.

[0058] Optionally, Figure 2 and Figure 3 The sandbox 212 in the illustrated embodiment may be one sandbox, or may be a plurality of sandboxes corresponding one-to-one to the public data platform 12 and the non-public data platform 13, or may be a plurality of sandboxes corresponding one-to-one to different categories of business data. When the sandbox 212 is one sandbox, it is convenient for the management and maintenance of the entire business data processing platform. If the sandbox 212 is a plurality of sandboxes, the business data from the public data platform 12 and the non-public data platform 13 may be reclassified and isolated before encryption, and the subsequent data processing process may also be simplified.

[0059] Optionally, the sandbox 212 can also obtain the encrypted data after the corresponding business data processing from the public data platform 12 and the non-public data platform 13 for subsequent processing. However, it is necessary to ensure that the encrypted data from different public data platforms 12 and non-public data platforms 13 have the same benchmark applicable to subsequent data processing. Exemplary, if it is necessary to encrypt the encrypted data from different public data platforms 12 and non-public data platforms 13, it is encrypted according to a unified encryption rule. In comparison, the sandbox 212 obtains the corresponding business data from the public data platform 12 and the non-public data platform 13, and then the sandbox 212 encrypts the business data to obtain the encrypted data. This method is more convenient and avoids increasing the operating load of the public data platform 12 and the non-public data platform 13. Therefore, Figure 2 and Figure 3 The illustrated embodiment is a preferred embodiment of the present application.

[0060] The present application also provides a business data processing method based on the output of the data sandbox environment, which can be applied to a platform including a sandbox and a data processing unit. Figure 2-Figure 7 Some examples are listed to illustrate the method.

[0061] Figure 4 The process of the business data processing method provided in the embodiment of the present application in the platform Figure 1 ; Figure 5 An encryption process flow chart provided for an embodiment of the present application; Figure 6The data processing flow chart provided in the embodiment of the present application is as follows. Figure 2 , Figure 4 , Figure 5 , Figure 6 The business data processing method based on the output of the data sandbox environment provided by this application is described. Figure 4 As shown, the method includes:

[0062] S101, the sandbox receives first business data from a non-public data platform through a first application program interface API, encrypts the first business data to obtain first encrypted data, and sends the first encrypted data to a data processing unit through a second API;

[0063] Specifically, see Figure 2 , the sandbox 212 receives the first business data from the non-public data platform 13 through the first API. Then, the sandbox 212 processes the first business data according to Figure 5 The encryption processing flow shown performs encryption processing to obtain first encrypted data.

[0064] Specifically, the encryption process of the sandbox 212 to encrypt the first service data is as follows:

[0065] S201, desensitizing the data to be processed to obtain desensitized data;

[0066] Specifically, the sandbox 212 performs desensitization processing on the first business data to be processed to obtain desensitized data.

[0067] Specifically, the sandbox 212 uses preset desensitization rules to deform the sensitive data related to data security or commercial sensitivity in the first business data to obtain desensitized data, thereby achieving reliable protection of sensitive privacy data and facilitating the safe use of real data sets.

[0068] Exemplarily, the first service data refers to the service data shown in Table 1.

[0069] Table 1 Business data

[0070]

[0071] Specifically, each business data consists of a real subject and a data entry. For the sake of convenience of explanation, the business data shown in Table 1 of the embodiment of the present application is the business data shown after the same real subject is merged. Among them, the data entries include but are not limited to operating data such as water, electricity and coal costs, order amounts, tax amounts, provident fund expenses, social security expenses, and asset data such as factory assets, equipment assets, number of personnel, patent assets, and trademark assets. When the sandbox 212 needs to desensitize the first business data, the sandbox 212 uses a preset desensitization rule to deform the real subject in the first business data, while the data entry remains unchanged, thereby forming desensitized data, and each desensitized data includes a deformed subject and a data entry. The desensitized data is shown in Table 2.

[0072] Table 2 Desensitization data

[0073]

[0074] Similarly, for the sake of convenience in explanation, the desensitized data shown in Table 2 in this embodiment is the desensitized data shown after the same deformed subject is merged. As shown in Table 2, the desensitized data includes the deformed subject and the unchanged data items.

[0075] S202, classifying the desensitized data according to business attributes to obtain classified desensitized data;

[0076] Specifically, the sandbox 212 classifies the desensitized data according to business attributes to obtain classified desensitized data. Exemplarily, as shown in Table 2, the sandbox 212 classifies the data entries according to business attributes as follows:

[0077] The water, electricity, and gas expenses, order amounts, tax amounts, housing provident fund expenses, social security expenses, etc., which are business data with business attributes, are classified as a type of desensitized data;

[0078] Plant assets, equipment assets, number of personnel, patent assets, trademark assets, etc., which are asset data with business attributes, are classified as desensitized data;

[0079] The external guarantees, debts, and defaults of enterprises whose business attributes are credit investigation data are classified as desensitized data; ...

[0081] Similarly, until all the desensitized data are classified, the classified desensitized data i is finally obtained, where i is a natural number greater than zero.

[0082] Optionally, when the sandbox 212 is a plurality of sandboxes corresponding one-to-one to the business attributes of the business data, the sandbox 212 completes the classification of the business data after receiving the business data from the data platform through the first API. After the business data in the sandbox 212 is desensitized in the sandbox 212, the desensitized data obtained is the classified desensitized data. At this time, there is no need to classify the desensitized data according to the business attributes, that is, when the sandbox 212 is a plurality of sandboxes corresponding one-to-one to the business attributes of the business data, the process of the sandbox 212 encrypting the business data to be processed is S201→S203, without the need for the S202 step, which simplifies the operation process.

[0083] S203, using a sub-algorithm to perform classification calculation on the classified desensitized data to obtain encrypted data after encryption processing;

[0084] Specifically, the sandbox 212 uses the sub-algorithm corresponding to each type of classified desensitized data i to perform classification calculations on the classified desensitized data i to obtain encrypted data after encryption processing.

[0085] Specifically, the sandbox 212 uses the formula corresponding to each type of classified desensitized data i Determine the encrypted data D corresponding to each classified desensitized data i ;

[0086] Among them, P j where are the component values ​​in the classified desensitized data i, j = 1, 2, 3, ..., k, i = 1, 2, 3, ..., O i1 is the first preset threshold corresponding to the classified desensitized data i, and [] is the rounding according to the preset rounding rule corresponding to the classified desensitized data i.

[0087] For example, like,

[0088] The first preset threshold corresponding to the classified desensitized data of the business data category is 0 11 =10000, the preset rounding rule for classified desensitized data of business data is: if V1>10, then D1=[V1]=20; if V1≤10, then D1=[V1]=10;

[0089] The first preset threshold corresponding to the classified desensitized data of the asset data class is 0 21 =5000, the preset rounding rule for the classified desensitized data of the asset data class is: if V2>10, then D2=[V2]=20; if V2≤10, then D2=[V2]=10;

[0090] The first preset threshold corresponding to the classified desensitized data of the credit information data class is 0 31=2, the preset rounding rule corresponding to the classified desensitized data of the credit information data category is: if V3=20, then D3=[V3]=1; if V3<20, then D3=[V3]=0.

[0091] As shown in Table 2, the encrypted data D1 of the classified desensitized data of the business data category with the enterprise name "xxxx" in the deformed subject is calculated as follows:

[0092] P1=100, P2=9000, P3=1250, P4=500, P5=1600; so

[0093] Similarly, the encrypted data of the classified desensitized data of the asset data class whose enterprise name is "xxxx" in the deformed subject

[0094] Similarly, the encrypted data of the classified desensitized data of the credit information category whose enterprise name is "xxxx" in the deformed subject

[0095] Similarly, the sandbox 212 uses a sub-algorithm to perform classification calculations on the classified desensitized data shown in Table 2 to obtain the encrypted data after encryption processing as shown in Table 3.

[0096] Table 3 Encrypted data

[0097]

[0098] Similarly, in the embodiment of the present application, for the convenience of explanation, the encrypted data shown in Table 3 is the encrypted data shown after the same deformation body is merged.

[0099] Similarly, if the data to be processed needs to be processed through the above steps S201 - S203 , the execution subject may also be the data processing unit 211 or other execution subjects.

[0100] S102: The data processing unit obtains first encrypted data from the sandbox through a third API, performs data processing on the first encrypted data, and obtains a business data processing result;

[0101] Specifically, the data processing unit 211 obtains the first encrypted data formed by the processing from the sandbox 212 through the third API, performs data processing on the first encrypted data, and obtains a business data processing result.

[0102] Further, the data processing unit 211 obtains the second business data from the public data platform 12 through the fourth API, performs encryption processing similar to step S101 on the second business data, and obtains the second encrypted data. Then, the data processing unit 211 performs data processing on the first encrypted data and the second encrypted data to obtain the encryption capability value. Finally, the data processing unit 211 decrypts the encryption capability value to obtain the business data processing result.

[0103] Specifically, the data processing unit 211 processes the above-mentioned data to be processed according to Figure 6 The data processing flow shown in the figure is used to process data and obtain business data processing results. Specifically:

[0104] S301, using a model algorithm to calculate the encrypted data to be processed to obtain an encryption capability value;

[0105] Specifically, the data collection unit 211 first classifies the encrypted data to be processed according to the data level to obtain the rejected item encrypted data and the non-rejected item encrypted data.

[0106] Then, the data collection unit 211 uses the formula Z=ΠA based on the veto item encrypted data and the non-veto item encrypted data. m ×∑(W n ×B n ) Determine the encryption capability value Z;

[0107] Among them, A m Encrypt data for veto items, B n Encrypt data for non-veto items, m and n are natural numbers greater than zero, W n Encrypt data B for non-veto items n The weight of .

[0108] Specifically, the data processing unit 211 first classifies the encrypted data it obtains according to the data level to obtain the veto item encrypted data and the non-veto item encrypted data. Then, the formula Z=ΠA is used. m ×∑(W n ×B n )Determine the encryption capability value Z.

[0109] For example, if the encrypted data obtained by the data processing unit 211 is the encrypted data D1, D2, and D3 shown in Table 3. First, the data processing unit 211 classifies the encrypted data D1, D2, and D3 according to the data level to obtain the non-veto encrypted data D1 and D2, and the veto encrypted data D3. If the weight W1 of the non-veto encrypted data D1 is 45%, and the weight W2 of the non-veto encrypted data D2 is 55%. Then, based on the non-veto encrypted data D1, D2, and the veto encrypted data D3, the data processing unit 211 uses the formula Z=ΠA m ×∑(Wn ×B n ) Calculate the encryption capability value Z of each subject. See Table 4 for the encryption capability value Z of each subject determined based on the non-veto item encrypted data D1, D2 and the veto item encrypted data D3 in Table 3.

[0110] Table 4 Encryption capability values

[0111]

[0112] Optionally, before the data processing unit uses the model algorithm to calculate the encrypted data to be processed, the model algorithm may be trained based on the encrypted data to be processed.

[0113] S302, decrypt the encrypted capability value to obtain a business data processing result;

[0114] Specifically, the data processing unit 211 decrypts the deformed subject in the encrypted capability value obtained in step S301 to obtain a business data processing result consisting of a real subject and the capability value.

[0115] Exemplarily, the data processing unit 211 decrypts the encryption capability value shown in Table 4 to obtain the service data processing result shown in Table 5.

[0116] Table 5 Business data processing results

[0117]

[0118] Similarly, if the data to be processed needs to be processed in the above steps S301 - S302 , the execution subject may also be the data processing unit 211 or other execution subjects.

[0119] The business data processing method provided in the embodiment of the present application, through encryption processing and data processing, transforms the business data from the public data platform and the non-public data platform multiple times, thereby ensuring data security. In addition, the business data processing method provided in the embodiment of the present application ensures that the first business data of the non-public data platform only exists in the sandbox, and the data outside the sandbox are all encrypted data or publicly available data, thereby ensuring data security and supporting more data sources. The business data processing results obtained based on the true value of the business data are more accurate than the capability values ​​obtained from the partially public data of the prior art, thereby ensuring the accuracy of subsequent identification of bad debtors.

[0120] The present application embodiment provides another Figure 7 The business data processing method shown is preferably applied to a platform including a sandbox and a data processing unit and is based on the output of a data sandbox environment. Figure 7 The process of the business data processing method provided in the embodiment of the present application in the platform Figure 2 . Exemplarily, a platform including a sandbox and a data processing unit such as Figure 3 As shown below. Figure 3 , Figure 4 , Figure 5 , Figure 6 The business data processing method provided by this application is described. Figure 7 As shown, the method includes:

[0121] S401, the sandbox receives first business data from a non-public data platform through a first API, receives second business data from a public data platform, encrypts the first business data and the second business data to obtain first encrypted data, and sends the first encrypted data to a data processing unit through a second API;

[0122] Specifically, the sandbox 212 receives the first business data from the non-public data platform 13 through the first API, receives the second business data from the public data platform 12, encrypts the first business data and the second business data to obtain the first encrypted data, and sends the first encrypted data to the data processing unit through the second API. Specifically, the specific processing flow of the public data platform 12 encrypting the first business data and the second business data is the same as Figure 4 The specific processing flow of the encryption process shown in the embodiment is similar, and will not be repeated here in this embodiment.

[0123] S402: The data processing unit obtains first encrypted data from the sandbox through a third API, performs data processing on the first encrypted data to obtain an encryption capability value, decrypts the encryption capability value, and obtains a business data processing result;

[0124] Specifically, the data processing unit 211 obtains the first encrypted data from the sandbox 212 through the third API, performs data processing on the first encrypted data, obtains the encryption capability value, decrypts the encryption capability value, and obtains the business data processing result. Specifically, the specific processing flow of the data processing unit 211 performing data processing on the first encrypted data is the same as Figure 4 The specific processing flow of the data processing shown in the embodiment is similar, and will not be repeated here in this embodiment.

[0125] The business data processing method provided in the embodiment of the present application has the following technical effects: Figure 4 The technical effects of the embodiments shown are similar, and will not be described in detail in this embodiment. Figure 4In the illustrated embodiment, the business data processing method provided by the embodiment of the present application, the business data of the public data platform and the non-public data platform are encrypted in the sandbox to form the first encrypted data. The data processing unit does not need to encrypt the second business data of the public data platform. The business data processing method provided by the embodiment of the present application is convenient for maintaining and managing the platform to which the method is applied according to the processing steps.

[0126] The embodiment of the present application also provides a storage medium, in which computer executable instructions are stored. When these computer executable instructions are executed by the processor, the above-mentioned business data processing method based on the output of the data sandbox environment is implemented. The storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0127] An exemplary storage medium is coupled to a processor so that the processor can read information from the storage medium and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the storage medium can also exist as discrete components in an electronic device or a main control device.

[0128] Finally, it should be noted that the above implementation modes are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned implementation modes, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned implementation modes, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the implementation modes of the present invention.

Claims

1. A business data processing platform based on data sandbox environment output, characterized in that: Includes sandbox and data processing unit; The sandbox has a first application programming interface API and a second API; The data processing unit has a third API; The sandbox is used to receive first business data from the non-public data platform through the first API, encrypt the first business data to obtain first encrypted data, and send the first encrypted data to the data processing unit through the second API; The data processing unit is used to obtain the first encrypted data from the sandbox through the third API, perform data processing on the first encrypted data, and obtain a business data processing result; The data processing unit is specifically used to calculate the encrypted data to be processed by using a model algorithm to obtain an encryption capability value, and decrypt the encryption capability value to obtain a business data processing result, wherein the encrypted data to be processed includes the first encrypted data; The method of using a model algorithm to calculate the encrypted data to be processed to obtain an encryption capability value includes: Classify the encrypted data to be processed according to the data level to obtain the veto item encrypted data and the non-veto item encrypted data; Based on the veto item encrypted data and non-veto item encrypted data, the formula Z=ΠA is used. m ×∑(W n ×B n ) Determine the encryption capability value Z; Among them, A m Encrypt data for veto items, B n Encrypt data for non-veto items, m and n are natural numbers greater than zero, W n Encrypt data B for non-veto items n The weight of .

2. The platform according to claim 1, characterized in that The data processing unit has a fourth API; The data processing unit is specifically used to obtain the second business data from the public data platform through the fourth API, encrypt the second business data to obtain second encrypted data; perform data processing on the first encrypted data and the second encrypted data to obtain an encryption capability value, decrypt the encryption capability value, and obtain a business data processing result.

3. The platform according to claim 1, characterized in that: The sandbox is specifically used to receive first business data from a non-public data platform through the first API, receive second business data from a public data platform, encrypt the first business data and the second business data to obtain first encrypted data, and send the first encrypted data to the data processing unit through the second API; The data processing unit is specifically used to obtain the first encrypted data from the sandbox through a third API, perform data processing on the first encrypted data to obtain an encryption capability value, decrypt the encryption capability value, and obtain a business data processing result.

4. A business data processing method based on data sandbox environment output, characterized in that: Applied to a platform including a sandbox and a data processing unit, the method comprises: The sandbox receives first business data from a non-public data platform through a first application program interface (API), encrypts the first business data to obtain first encrypted data, and sends the first encrypted data to the data processing unit through a second API; The data processing unit obtains the first encrypted data from the sandbox through the third API, performs data processing on the first encrypted data, and obtains a business data processing result; The data processing unit is specifically used to calculate the encrypted data to be processed by using a model algorithm to obtain an encryption capability value, and decrypt the encryption capability value to obtain a business data processing result, wherein the encrypted data to be processed includes the first encrypted data; The method of using a model algorithm to calculate the encrypted data to be processed to obtain an encryption capability value includes: Classify the encrypted data to be processed according to the data level to obtain the veto item encrypted data and the non-veto item encrypted data; Based on the veto item encrypted data and non-veto item encrypted data, the formula Z=ΠA is used. m ×∑(W n ×B n ) Determine the encryption capability value Z; Among them, A m Encrypt data for veto items, B n Encrypt data for non-veto items, m and n are natural numbers greater than zero, W n Encrypt data B for non-veto items n The weight of .

5. The method according to claim 4, characterized in that The performing data processing on the first encrypted data to obtain a business data processing result specifically includes: The data processing unit obtains the second business data from the public data platform through the fourth API, encrypts the second business data, and obtains the second encrypted data; processes the first encrypted data and the second encrypted data to obtain an encryption capability value, decrypts the encryption capability value, and obtains a business data processing result.

6. The method according to claim 4, characterized in that Also includes: The sandbox receives first business data from a non-public data platform through the first API, receives second business data from a public data platform, encrypts the first business data and the second business data to obtain first encrypted data, and sends the first encrypted data to the data processing unit through the second API; The data processing unit obtains the first encrypted data from the sandbox through a third API, performs data processing on the first encrypted data to obtain an encryption capability value, decrypts the encryption capability value, and obtains a business data processing result.

7. The method according to any one of claims 4 to 6, characterized in that: The encryption process includes: Desensitize the data to be processed to obtain desensitized data; Classifying the desensitized data according to business attributes to obtain classified desensitized data; A sub-algorithm is used to perform classification calculation on the classified desensitized data to obtain encrypted data after encryption processing.

8. The method according to claim 7, characterized in that The adopting of a sub-algorithm to perform classification calculation on the classified desensitized data to obtain encrypted data after encryption processing includes: Using formula Determine the encrypted data D corresponding to each classified desensitized data i ; Among them, P j where are the component values ​​in the classified desensitized data i, j = 1, 2, 3, ..., k, i = 1, 2, 3, ..., O i1 is the first preset threshold corresponding to the classified desensitized data i, and [] is the rounding according to the preset rounding rule corresponding to the classified desensitized data i.

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