Resource Request Processing Method, Apparatus, System, and Electronic Device

Abstract

The present disclosure relates to a resource request processing method, apparatus, system, electronic device, and computer-readable medium. The method can be used for a cooperation platform and includes: obtaining a resource request of a user, where the resource request includes user information; generating a first risk control rule based on the user information; obtaining credit information of the user through a credit information platform based on the user information; obtaining a second risk control rule of the user through a risk control platform based on the user information and the credit information; and processing the resource request of the user based on the first risk control rule and the second risk control rule. The resource request processing method, apparatus, system, electronic device, and computer-readable medium according to the present disclosure can combine multiple platforms and utilize the advantages of joint risk control to generate risk decision rules, which can not only improve the generation efficiency of risk decision rules but also achieve the overall development of the industry.

Description

Technical Field

[0001] The present disclosure relates to the field of computer information processing, and more particularly, to a resource request processing method, apparatus, system, electronic device, and computer-readable medium. Background Art

[0002] Traditional financial institutions mainly rely on artificial experience settings for credit risk assessment rules. For example, the geographical attribute can be manually set as a risk control rule; also for example, for people with lower incomes, the probability of credit overdue is higher, and the income attribute can also be manually set as a risk control rule, and risk control rules can also be set through the user's behavioral characteristics, time, etc.

[0003] Risk control is that risk managers adopt various measures and / or methods to eliminate or reduce the possibility of risk events occurring, or risk managers adopt various measures and / or methods to reduce the losses caused when risk events occur. Risk control can also be called risk management and control, and the measures and / or methods adopted during the risk control process can also be called risk control rules. In the prior art, the risk decision-making system for generating risk control rules mainly selects risk control strategies based on expert experience. The formulation of risk decision rules completely depends on the subjective experience judgment and formulation of experts. The risk decision rules are single and lack theoretical support and data basis, and the randomness is relatively strong. At the same time, the randomness of the risk decision rules based on experts also makes the reliability of the risk control strategies determined based on the risk decision rules poor and the applicable scope small.

[0004] Therefore, a new resource request processing method, apparatus, system, electronic device, and computer-readable medium are needed.

[0005] The above information disclosed in the background art section is only used to enhance the understanding of the background of the present disclosure, and thus it may include information that does not constitute the prior art known to those of ordinary skill in the art. Summary of the Invention

[0006] In view of this, the present disclosure provides a resource request processing method, apparatus, system, electronic device, and computer-readable medium, which can combine multiple platforms, give play to the advantages of joint risk control to generate risk decision rules, improve the generation efficiency of risk decision rules, and achieve the overall development of the industry.

[0007] Other features and advantages of the present disclosure will become apparent through the following detailed description, or be learned in part through the practice of the present disclosure.

[0008] According to one aspect of the present disclosure, a resource request processing method is provided, which can be applied to a cooperation platform. The method includes: obtaining a resource request of a user, where the resource request includes user information; generating a first risk control rule based on the user information; obtaining credit information of the user through a credit investigation platform based on the user information; obtaining a second risk control rule of the user through a risk control platform based on the user information and the credit information; and processing the resource request of the user based on the first risk control rule and the second risk control rule.

[0009] Optionally, generating a first risk control rule based on the user information includes: inputting the user information into a local risk control model to generate the first risk control rule.

[0010] Optionally, obtaining a second risk control rule of the user through a risk control platform based on the user information and the credit information includes: encapsulating the user information and the credit information as model input parameters; invoking a platform risk control model of the risk control platform based on the model input parameters; and generating the second risk control rule based on the platform risk control model.

[0011] Optionally, processing the resource request of the user based on the first risk control rule and the second risk control rule includes: performing rule screening and merging on the first risk control rule and the second risk control rule to generate a risk control decision rule; and processing the resource request of the user based on the risk control decision rule.

[0012] Optionally, it further includes: generating a resource quota and a resource occupancy parameter according to the processing result; and allocating a resource quota for the user based on the resource quota and the resource occupancy parameter.

[0013] Optionally, it further includes: updating the user information according to the resource quota; and sending the updated user information to the credit investigation platform and the risk control platform.

[0014] According to one aspect of the present disclosure, a resource request processing method is provided, which can be applied to a risk control platform. The method includes: obtaining model input parameters of a user; inputting the model input parameters into a platform risk control model to generate a risk control score; generating a second risk control rule based on the risk control score and a preset risk control strategy; and sending the second risk control rule to a cooperation platform to process the resource request of the user.

[0015] Optionally, before inputting the model input parameters into a platform risk control model to generate a risk control score, it further includes: extracting user information from the model input parameters; screening the user information through a blacklist and historical users; and generating a warning message when the screening result does not meet a preset condition.

[0016] Optionally, input the model input parameters into the platform risk control model to generate a risk control score, including: extracting at least one target platform risk control model from multiple platform risk control models; inputting the model input parameters into the at least one target platform risk control model to generate at least one score; and generating the risk control score based on the at least one score.

[0017] According to one aspect of the present disclosure, a resource request processing device is provided, which can be applied to a cooperation platform. The device includes: a request module for obtaining a user's resource request, where the resource request includes user information; a first rule module for generating a first risk control rule based on the user information; a credit investigation module for obtaining the user's credit investigation information through a credit investigation platform based on the user information; a second rule module for obtaining the user's second risk control rule through a risk control platform based on the user information and the credit investigation information; and a processing module for processing the user's resource request based on the first risk control rule and the second risk control rule.

[0018] According to one aspect of the present disclosure, a resource request processing device is provided, which can be applied to a risk control platform. The device includes: an input parameter module for obtaining the model input parameters of a user; a scoring module for inputting the model input parameters into a platform risk control model to generate a risk control score; a policy module for generating a second risk control rule based on the risk control score and a preset risk control policy; and a sending module for sending the second risk control rule to a cooperation platform to process the user's resource request.

[0019] According to one aspect of the present disclosure, a resource request processing system is provided. The system includes: a credit investigation platform for generating credit investigation information according to the user information; a risk control platform for obtaining the model input parameters of a user; inputting the model input parameters into a platform risk control model to generate a risk control score; generating a second risk control rule based on the risk control score and a preset risk control policy; a cooperation platform for obtaining the user's resource request, where the resource request includes user information; generating a first risk control rule based on the user information; obtaining the user's credit investigation information through the credit investigation platform based on the user information; obtaining the user's second risk control rule through the risk control platform based on the user information and the credit investigation information; and processing the user's resource request based on the first risk control rule and the second risk control rule.

[0020] According to one aspect of the present disclosure, an electronic device is provided. The electronic device includes: one or more processors; a storage device 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 as described above.

[0021] According to one aspect of the present disclosure, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, the above-described method is implemented.

[0022] According to the resource request processing method, device, system, electronic device and computer-readable medium of the present disclosure, by obtaining a user's resource request, the resource request includes user information; generating a first risk control rule based on the user information; obtaining the user's credit information through a credit platform based on the user information; obtaining a second risk control rule of the user through a risk control platform based on the user information and the credit information; and processing the user's resource request based on the first risk control rule and the second risk control rule, it is possible to combine multiple platforms, give play to the advantages of joint risk control to generate risk decision rules, improve the generation efficiency of risk decision rules, and achieve the overall development of the industry.

[0023] It should be understood that the above general description and the following detailed description are only exemplary and do not limit the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] By referring to the accompanying drawings and describing its exemplary embodiments in detail, the above and other objects, features and advantages of the present disclosure will become more apparent. The following described drawings are only some embodiments of the present disclosure, and those of ordinary skill in the art can obtain other drawings based on these drawings without creative efforts.

[0025] Figure 1 FIG. is a schematic diagram of an application scenario of a resource request processing system shown according to an exemplary embodiment.

[0026] Figure 2 FIG. is a flowchart of a resource request processing method shown according to an exemplary embodiment.

[0027] Figure 3 FIG. is a flowchart of a resource request processing method shown according to another exemplary embodiment.

[0028] Figure 4 FIG. is a flowchart of a resource request processing method shown according to another exemplary embodiment.

[0029] Figure 5 FIG. is a block diagram of a resource request processing device shown according to an exemplary embodiment.

[0030] Figure 6 FIG. is a block diagram of a resource request processing device shown according to another exemplary embodiment.

[0031] Figure 7 FIG. is a block diagram of a resource request processing system shown according to another exemplary embodiment.

[0032] Figure 8 is a block diagram of an electronic device shown according to an exemplary embodiment.

[0033] Figure 9 is a block diagram of a computer-readable medium shown according to an exemplary embodiment. Detailed implementation manners

[0034] Example embodiments will now be described more fully with reference to the accompanying drawings. However, the example embodiments can be implemented in various forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the example embodiments to those skilled in the art. Like reference numerals in the figures denote like or similar parts, and thus their repetitive description will be omitted.

[0035] In addition, the described features, structures, or characteristics can be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of the embodiments of the present disclosure. However, those skilled in the art will realize that the technical solutions of the present disclosure can be practiced without one or more of the specific details, or other methods, components, devices, steps, etc. can be adopted. In other cases, well-known methods, devices, systems, implementations, or operations are not shown or described in detail to avoid obscuring aspects of the present disclosure.

[0036] The block diagrams shown in the drawings are only functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities can be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0037] The flowcharts shown in the drawings are only illustrative and do not necessarily include all the contents and operations / steps, nor do they necessarily have to be executed in the described order. For example, some operations / steps can be decomposed, while some operations / steps can be combined or partially combined, so the actual execution order may change according to the actual situation.

[0038] It should be understood that although terms such as first, second, and third may be used herein to describe various components, these components should not be limited by these terms. These terms are used to distinguish one component from another. Therefore, the first component discussed below can be referred to as the second component without departing from the teachings of the concept of the present disclosure. As used herein, the term "and / or" includes any one and all combinations of one or more of the associated listed items.

[0039] Those skilled in the art can understand that the drawings are only schematic diagrams of exemplary embodiments, and the modules or processes in the drawings are not necessarily essential for implementing the present disclosure. Therefore, they cannot be used to limit the protection scope of the present disclosure.

[0040] In the present disclosure, a resource refers to any utilizable substance, information, or time. Information resources include computing resources and various types of data resources. Data resources include various specialized data in various fields. The innovation of the present disclosure lies in how to use the information interaction technology between the server and the client to make the processing process of the user's resource requests more automated, efficient, and reduce labor costs. Thus, in essence, the present disclosure can be applied to the processing of various resource requests, including physical goods, water, electricity, and meaningful materials, etc. However, for convenience, in the present disclosure, financial data resources are taken as an example to illustrate the specific implementation of resource request processing. Those skilled in the art should understand that the present disclosure can also be used for the allocation of other resources.

[0041] The resource request processing method provided by the embodiments of the present disclosure (for convenience of description, it can be simply referred to as the method provided by the embodiments of the present application) is applicable to any one of multiple application fields such as investment, banking, insurance, securities, and e-commerce. In each application field, the application scenarios involved may include, but are not limited to, login, registration, pre-loan, in-loan, post-loan, holiday activities, or promotional activities, etc. The method provided by the embodiments of the present application is applicable to the generation of risk decision rules for any business type in any of the above application scenarios.

[0042] Figure 1 It is a schematic diagram of an application scenario of a resource request processing system shown according to an exemplary embodiment.

[0043] As Figure 1 shown, the system architecture 10 may include terminal devices 101, 102, 103, a network 104, a cooperation platform 105, a credit investigation platform 106, and a risk control platform 107. The network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103, the network 104, the cooperation platform 105, the credit investigation platform 106, and the risk control platform 107. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0044] Users can use the terminal devices 101, 102, 103 to interact with the cooperation platform 105 through the network 104 to receive or send messages, etc. Various communication client applications may be installed on the terminal devices 101, 102, 103, such as financial service applications, shopping applications, web browser applications, instant messaging tools, email clients, social platform software, etc.

[0045] The terminal devices 101, 102, and 103 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0046] The cooperation platform 105 can be a server that provides various services. For example, it can be a back-end management server that supports financial service websites browsed by users using the terminal devices 101, 102, and 103. The back-end management server can analyze and process the received user data, and feedback the processing results (such as resource quotas) to the administrators of the financial service website and / or the terminal devices 101, 102, and 103.

[0047] The cooperation platform 105 can, for example, obtain a resource request of a user, where the resource request includes user information; the cooperation platform 105 can, for example, generate a first risk control rule based on the user information; the cooperation platform 105 can, for example, obtain the credit information of the user through the credit investigation platform 106 based on the user information; the cooperation platform 105 can, for example, obtain a second risk control rule of the user through the risk control platform 107 based on the user information and the credit information; the cooperation platform 105 can, for example, process the resource request of the user based on the first risk control rule and the second risk control rule.

[0048] The risk control platform 107 can, for example, obtain model input parameters of a user; the risk control platform 107 can, for example, input the model input parameters into a platform risk control model to generate a risk control score; the risk control platform 107 can, for example, generate a second risk control rule based on the risk control score and a preset risk control strategy; the risk control platform 107 can, for example, send the second risk control rule to the cooperation platform to process the resource request of the user.

[0049] The cooperation platform 105, the credit investigation platform 106, and the risk control platform 107 can all be a single entity server, or can also be composed of multiple servers. It should be noted that the resource request processing method provided by the embodiments of the present disclosure can be executed by the cooperation platform 105 and the risk control platform 107. Correspondingly, the resource request processing device can be set in the cooperation platform 105 and the risk control platform 107. And the web end provided for users to browse the financial service platform is generally located in the terminal devices 101, 102, and 103.

[0050] Figure 2 It is a flowchart of a resource request processing method shown according to an exemplary embodiment. The resource request processing method 20 can be applied to a cooperation platform and at least includes steps S202 to S210.

[0051] As Figure 2As shown, in S202, obtain the user's resource request, which includes user information. The resource request may also include the amount of the resource request applied by the user.

[0052] In the embodiments of the present disclosure, the user may be an individual user or an enterprise user, and the allocation of the resource quota may be an adjustment of the financial resource quota, or may be the allocation of electric power resources and water resources. Among them, the user information may include basic information, such as business account information, user's terminal device identification information, user's location information, etc.; the user information may also include behavior information, such as the user's page operation data, the user's business access duration, the user's business access frequency, etc. The specific content of the user information may be determined according to the actual application scenario and is not limited here. More specifically, the user information of the current user may be obtained by using the method of web page embedding based on user authorization. The remote information may be the user data of the user on other trading platforms or other business departments.

[0053] In S204, generate a first risk control rule based on the user information. For example, input the user information into the local risk control model to generate the first risk control rule.

[0054] Multiple feature information may be generated based on the user information and the feature strategy. The user information may be subjected to data cleaning and data fusion to convert the user information into multiple feature data. Input the multiple feature data into the local risk control model to generate a first risk control rule. The first risk control rule may include multiple specific risk control rules.

[0055] In one embodiment, for example, calculate the key index of at least one basic information and at least one behavior information in the user information; extract partial information from the historical user information based on the key index to generate multiple historical feature information. Generate the feature strategy based on the relationship between the multiple historical feature information and the historical user information.

[0056] In one embodiment, the local risk control rule may be generated by training a machine learning model with historical users.

[0057] In S206, obtain the credit information of the user through the credit investigation platform based on the user information. Send the user information to the credit investigation system of the People's Bank of China. The user information may be sent as a credit investigation application parameter to a specific interface of the People's Bank of China, and then receive the return information of the user, and extract the credit information from the return information.

[0058] In S208, a second risk control rule of the user is obtained through a risk control platform based on the user information and the credit investigation information, including: encapsulating the user information and the credit investigation information into model input parameters; invoking a platform risk control model of the risk control platform based on the model input parameters; and generating the second risk control rule based on the platform risk control model.

[0059] In S210, the resource request of the user is processed based on the first risk control rule and the second risk control rule. The first risk control rule and the second risk control rule are screened and merged to generate a risk control decision rule; and the resource request of the user is processed based on the risk control decision rule.

[0060] The risk control decision rule can output a resource quota and resource occupancy parameters for the user according to the real-time user data of the specific business in the specific application scenario, thereby improving the resource security control for the user. The risk control decision rule is generated based on multiple platform data and user information, with strong reliability, enhanced accuracy of risk decision-making, and stronger applicability. Here, the above-mentioned business can specifically be various services provided to users in multiple application fields such as investment, banking, insurance, securities, and e-commerce, for example, insurance application and loan. Correspondingly, taking insurance application as an example, the application scenarios corresponding to this business can include but are not limited to account registration, account login, insurance application, insurance approval, policy generation, and maintenance. Among them, the above application scenarios are only examples, not exhaustive, and can be specifically determined according to the actual application scenario, and are not limited here.

[0061] According to the resource request processing method of the present disclosure, by obtaining the resource request of the user, where the resource request includes user information; generating a first risk control rule based on the user information; obtaining the credit investigation information of the user through a credit investigation platform based on the user information; obtaining the second risk control rule of the user through a risk control platform based on the user information and the credit investigation information; and processing the resource request of the user based on the first risk control rule and the second risk control rule, it is possible to combine multiple platforms, give play to the advantages of joint risk control to generate a risk decision rule, which can not only improve the generation efficiency of the risk decision rule but also achieve the overall development of the industry.

[0062] It should be clearly understood that the present disclosure describes how to form and use specific examples, but the principles of the present disclosure are not limited to any details of these examples. On the contrary, based on the teachings of the content disclosed in the present disclosure, these principles can be applied to many other embodiments.

[0063] In one embodiment, it further includes: generating a resource quota and a resource occupancy parameter according to a processing result; allocating a resource quota for the user based on the resource quota and the resource occupancy parameter. For example, a resource occupancy quota of 5000 and a resource occupancy interest rate of 1% are generated according to the processing result, and resources are distributed to the user based on the above data.

[0064] In one embodiment, it further includes: updating user information according to the resource quota; sending the updated user information to the credit investigation platform and the risk control platform. The user's resource occupancy quota can be updated to the credit investigation platform and the risk control platform for the platform to record. When the user applies for a resource quota on other partner platforms, the platform can comprehensively consider the user's total credit quota and the occupied credit quota, and then allocate a more accurate resource quota for the user.

[0065] Figure 3 It is a flowchart of a resource request processing method shown according to another exemplary embodiment. The resource request processing method 30 can be applied to a risk control platform and at least includes steps S302 to S308.

[0066] As Figure 3 shown, in S302, model input parameters of the user are obtained. The model input parameters of the user can be obtained by a partner platform.

[0067] For example, a secret key can also be set with the partner platform, and the model input parameters are decrypted and parsed through a specific secret key to ensure the security of user data.

[0068] In S304, the model input parameters are input into the platform risk control model to generate a risk control score.

[0069] In one embodiment, it further includes: extracting user information from the model input parameters; screening the user information through a blacklist and historical users; generating a warning message when the screening result does not meet the preset conditions. In this platform, the user can be screened first through the blacklist recorded in this platform. If the user is a blacklist user, a warning message is generated and returned to the partner platform.

[0070] For example, the user can also be screened through historical user information. When the user is a historical user of the risk control platform, the user's credit quota and resource occupancy quota are extracted. When the user's resource occupancy quota is greater than or equal to the credit quota, a warning message is generated and returned to the partner platform.

[0071] In S306, a second risk control rule is generated based on the risk control score and a preset risk control strategy. At least one target platform risk control model can be extracted from multiple platform risk control models; the model input parameters are input into the at least one target platform risk control model to generate at least one score; the risk control score is generated based on the at least one score.

[0072] For example, a machine learning model can be trained through historical user data to generate a platform risk control model. More specifically, different machine learning models can be trained respectively through the historical user data of multiple channels or services, and platform risk models can also be generated through different categories of machine learning models. It is also possible to jointly cooperate with other third-party credit investigation platforms to obtain historical user data from other third-party credit investigation platforms and jointly train with local historical user data to generate a multi-head risk model, which is used to judge the probability that a user applies for resource quotas simultaneously on multiple financial service platforms.

[0073] Specifically, for the historical user data of each service or channel, an adjustment model is constructed respectively. The historical user data is input into the adjustment model to obtain prediction labels. The prediction labels are compared with the corresponding real labels to judge whether the prediction labels are consistent with the real labels. The number of prediction labels consistent with the real labels is counted, and the proportion of the number of prediction labels consistent with the real labels in the total number of all prediction labels is calculated. If the proportion is greater than or equal to a preset proportion value, the adjustment model converges, and a trained platform risk control model is obtained. If the proportion is less than the preset proportion value, the parameters in the adjustment model are adjusted, and the prediction labels of each object are re-predicted through the adjusted adjustment model until the proportion is greater than or equal to the preset proportion value. Among them, the method of adjusting the parameters in the adjustment model can adopt the stochastic gradient descent algorithm, the gradient descent algorithm or the normal equation.

[0074] If the number of times of adjusting the parameters of the adjustment model exceeds the preset number of times, the model used to construct the adjustment model can be replaced to improve the training efficiency of the platform risk control model.

[0075] By comprehensively and multi-angularly analyzing the credit investigation data, a comprehensive and credible risk control score is obtained. And according to the preset strategy, a corresponding second risk control rule is determined based on the risk control score.

[0076] In S308, the second risk control rule is sent to the cooperative platform to process the user's resource request.

[0077] Figure 4 It is a flowchart of a resource request processing method shown according to another exemplary embodiment. Figure 4 The shown process 40 is a detailed description of the resource request processing system.

[0078] As Figure 4 shown, in S401, obtain the resource request of the user, where the resource request includes user information; generate a first risk control rule based on the user information.

[0079] In S402, send the user information to the credit investigation platform.

[0080] In S403, the credit investigation platform generates credit investigation information based on the user information.

[0081] In S404, return the credit investigation information to the cooperation platform.

[0082] In S405, send the credit investigation information as a model input parameter to the risk control platform.

[0083] In S406, obtain the model input parameter of the user; input the model input parameter into the platform risk control model to generate a risk control score; generate a second risk control rule based on the risk control score and a preset risk control strategy.

[0084] In S407, return the second risk control rule to the cooperation platform.

[0085] In S408, obtain the second risk control rule of the user through the risk control platform based on the user information and the credit investigation information; process the resource request of the user based on the first risk control rule and the second risk control rule.

[0086] In S409, update the processing result to the credit investigation platform.

[0087] In S410, update the processing result to the risk control platform.

[0088] In the prior art, the risk management of customer groups, such as credit granting, quota, pricing, etc., is all independently controlled by cooperation institutions. However, due to the uneven risk control levels of institutions, some institutions are unable to effectively control the risks of jointly operated customers, resulting in meager profits or even losses. The risk control platform is generally a large financial service institution with sufficient risk control experience and a relatively high risk control level. To ensure the long-term stable and healthy development of the business of the cooperation parties of the risk control platform, the risk control platform develops ports to the cooperation platform and institutions through an external call mode, so that the cooperation platform can call risk rules.

[0089] This mode can give full play to the risk control capabilities of both the risk control platform and the cooperation platform. The risk control decision rules of the two platforms are independent of each other and are iterated separately, which can provide more risk control security guarantees and ensure the long-term healthy development of the business of the cooperation platform.

[0090] Those skilled in the art can understand that all or part of the steps for implementing the above embodiments are realized as a computer program executed by a CPU. When the computer program is executed by the CPU, the above functions defined by the above method provided by the present disclosure are executed. The program can be stored in a computer-readable storage medium, and the storage medium can be a read-only memory, a magnetic disk, an optical disk, etc.

[0091] In addition, it should be noted that the above drawings are only schematic illustrations of the processes included in the method according to the exemplary embodiments of the present disclosure, rather than for limiting purposes. It is easy to understand that the processes shown in the above drawings do not indicate or limit the time sequence of these processes. Additionally, it is also easy to understand that these processes can be executed synchronously or asynchronously in, for example, multiple modules.

[0092] The following is an embodiment of the device of the present disclosure, which can be used to execute the method embodiment of the present disclosure. For details not disclosed in the device embodiment of the present disclosure, please refer to the method embodiment of the present disclosure.

[0093] Figure 5 is a block diagram of a resource request processing device shown according to an exemplary embodiment. As Figure 5 shown, the resource request processing device 50 includes: a request module 502, a first rule module 504, a credit investigation module 506, a second rule module 508, and a processing module 510.

[0094] The request module 502 is used to obtain a resource request of a user, and the resource request includes user information;

[0095] The first rule module 504 is used to generate a first risk control rule based on the user information;

[0096] The credit investigation module 506 is used to obtain the credit information of the user through a credit investigation platform based on the user information;

[0097] The second rule module 508 is used to obtain a second risk control rule of the user through a risk control platform based on the user information and the credit information;

[0098] The processing module 510 is used to process the resource request of the user based on the first risk control rule and the second risk control rule.

[0099] Figure 6 is a block diagram of a resource request processing device shown according to another exemplary embodiment. As Figure 6 shown, the resource request processing device 60 includes: an input parameter module 602, a scoring module 604, a policy module 606, and a sending module 608.

[0100] The input parameter module 602 is used to obtain model input parameters of a user;

[0101] The scoring module 604 is used to input the model input parameters into the platform risk control model to generate a risk control score;

[0102] The policy module 606 is used to generate a second risk control rule based on the risk control score and a preset risk control policy;

[0103] The sending module 608 is used to send the second risk control rule to the cooperative platform to process the user's resource request.

[0104] According to the resource request processing device of the present disclosure, obtaining a user's resource request, where the resource request includes user information; generating a first risk control rule based on the user information; obtaining the user's credit information through a credit reporting platform based on the user information; obtaining the user's second risk control rule through a risk control platform based on the user information and the credit information; and processing the user's resource request based on the first risk control rule and the second risk control rule. This method can combine multiple platforms, utilize the advantages of joint risk control to generate risk decision rules, improve the generation efficiency of risk decision rules, and achieve the overall development of the industry.

[0105] Figure 7 is a block diagram of a resource request processing system shown according to another exemplary embodiment. As Figure 7 shown, the resource request processing system 70 includes: a credit reporting platform 702, a risk control platform 704, and a cooperative platform 706.

[0106] The credit reporting platform 702 is used to generate credit information according to the user information;

[0107] The risk control platform 704 is used to obtain the model input parameters of the user; input the model input parameters into the platform risk control model to generate a risk control score; and generate a second risk control rule based on the risk control score and a preset risk control policy;

[0108] The cooperative platform 706 is used to obtain the user's resource request, where the resource request includes user information; generate a first risk control rule based on the user information; obtain the user's credit information through the credit reporting platform based on the user information; obtain the user's second risk control rule through the risk control platform based on the user information and the credit information; and process the user's resource request based on the first risk control rule and the second risk control rule.

[0109] Figure 8 is a block diagram of an electronic device shown according to an exemplary embodiment.

[0110] Next, refer to Figure 8Describe the electronic device 800 according to this embodiment of the present disclosure. The electronic device 800 shown in FIG. 8 is only an example and should not impose any limitation on the functions and usage scope of the embodiments of the present disclosure.

[0111] As Figure 8 shown, the electronic device 800 is presented in the form of a general-purpose computing device. The components of the electronic device 800 may include but are not limited to: at least one processing unit 810, at least one storage unit 820, a bus 830 connecting different system components (including the storage unit 820 and the processing unit 810), a display unit 840, etc.

[0112] Among them, the storage unit stores program code, and the program code can be executed by the processing unit 810, so that the processing unit 810 executes the steps according to various exemplary embodiments of the present disclosure in this specification. For example, the processing unit 810 can execute as Figure 2 , Figure 3 , Figure 4 shown in the steps.

[0113] The storage unit 820 may include a readable medium in the form of a volatile storage unit, such as a random access storage unit (RAM) 8201 and / or a cache storage unit 8202, and may further include a read-only storage unit (ROM) 8203.

[0114] The storage unit 820 may also include a program / utility 8204 having a set (at least one) of program modules 8205. Such program modules 8205 include but are not limited to: an operating system, one or more application programs, other program modules, and program data. The implementation of a network environment may be included in each or some combination of these examples.

[0115] The bus 830 may represent one or more of several types of bus structures, including a storage unit bus or a storage unit controller, a peripheral bus, a graphics acceleration port, a processing unit, or a local bus using any bus structure in a variety of bus structures.

[0116] The electronic device 800 can also communicate with one or more external devices 800' (such as a keyboard, a pointing device, a Bluetooth device, etc.), devices that enable a user to interact with the electronic device 800, and / or any device with which the electronic device 800 can communicate with one or more other computing devices (such as a router, a modem, etc.). Such communication can be carried out through the input / output (I / O) interface 850. Also, the electronic device 800 can communicate with one or more networks (such as a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through the network adapter 860. The network adapter 860 can communicate with other modules of the electronic device 800 through the bus 830. It should be understood that, although not shown in the figure, other hardware and / or software modules can be used in conjunction with the electronic device 800, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0117] Through the description of the above embodiments, those skilled in the art can easily understand that the example embodiments described herein can be implemented by software, or by a combination of software and necessary hardware. Therefore, as Figure 8 shown, the technical solutions according to the embodiments of the present disclosure can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, including several instructions to enable a computing device (which can be a personal computer, a server, or a network device, etc.) to execute the above method according to the embodiments of the present disclosure.

[0118] The software product can adopt any combination of one or more readable media. The readable media can be a readable signal medium or a readable storage medium. The readable storage medium can, for example, but not be limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above.

[0119] The computer-readable storage medium may include a data signal propagated in a baseband or as part of a carrier wave, in which the readable program code is carried. Such a propagated data signal may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. The readable storage medium may also be any readable medium other than the readable storage medium, which can send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on the readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wired, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0120] The program code for performing the operations of the present disclosure may be written in any combination of one or more programming languages, including object-oriented programming languages such as Java, C++, etc., and also including conventional procedural programming languages such as the "C" language or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, executed as a stand-alone software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., by connecting through the Internet using an Internet service provider).

[0121] The above computer-readable medium carries one or more programs, which, when executed by such a device, cause the computer-readable medium to implement the following functions: obtaining a resource request of a user, where the resource request includes user information; generating a first risk control rule based on the user information; obtaining the credit information of the user through a credit information platform based on the user information; obtaining a second risk control rule of the user through a risk control platform based on the user information and the credit information; and processing the resource request of the user based on the first risk control rule and the second risk control rule. The computer-readable medium may also implement the following functions: obtaining the model input parameters of the user; inputting the model input parameters into the platform risk control model to generate a risk control score; and generating a second risk control rule based on the risk control score and a preset risk control strategy.

[0122] Those skilled in the art can understand that the above-mentioned modules may be distributed in the device according to the description of the embodiments, or may be correspondingly changed and distributed in one or more devices that are uniquely different from the present embodiment. The modules of the above embodiments may be combined into one module, or may be further split into multiple sub-modules.

[0123] Through the description of the above embodiments, those skilled in the art can easily understand that the exemplary embodiments described herein can be implemented by software or by a combination of software and necessary hardware. Therefore, the technical solutions according to the embodiments of the present disclosure can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (such as a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, including several instructions to enable a computing device (such as a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.

[0124] The exemplary embodiments of the present disclosure have been specifically shown and described above. It should be understood that the present disclosure is not limited to the detailed structures, settings, or implementation methods described herein; on the contrary, the present disclosure is intended to cover various modifications and equivalent settings included within the spirit and scope of the appended claims.

Claims

1. A resource request processing system, characterized in that, including: a credit investigation platform for generating credit investigation information based on user information; a risk control platform, which, in an externally called mode, opens ports to a cooperation platform to obtain model input parameters of a user, sets a secret key with the cooperation platform, decrypts and parses the model input parameters through a specific secret key to ensure the security of user data, extracts at least one target platform risk control model from multiple platform risk control models, inputs the model input parameters into the at least one target platform risk control model to generate at least one score, generates a risk control score based on the at least one score, generates a second risk control rule based on the risk control score and a preset risk control strategy, and sends the second risk control rule to the cooperation platform to process the resource request of the user; a cooperation platform for obtaining a resource request of a user, where the resource request includes user information, inputting the user information into a local risk control model to generate a first risk control rule, obtaining the credit investigation information of the user through the credit investigation platform based on the user information, encapsulating the user information and the credit investigation information into model input parameters, calling the platform risk control model of the risk control platform based on the model input parameters through the port opened by the risk control platform, generating a second risk control rule based on the platform risk control model, screening and merging the first risk control rule and the second risk control rule to generate a risk control decision rule, processing the resource request of the user based on the risk control decision rule, allocating a resource quota for the user according to the processing result; updating the user information according to the resource quota, and sending the updated user information to the credit investigation platform and the risk control platform.

2. A resource request processing method, which can be used in a cooperation platform in a resource request processing system, is characterized in that, including: obtaining a resource request of a user, where the resource request includes user information; inputting the user information into a local risk control model to generate a first risk control rule; obtaining the credit investigation information of the user through the credit investigation platform based on the user information; encapsulating the user information and the credit investigation information into model input parameters; calling the platform risk control model of the risk control platform based on the model input parameters through the port opened by the risk control platform; generating a second risk control rule based on the platform risk control model; screening and merging the first risk control rule and the second risk control rule to generate a risk control decision rule; processing the resource request of the user based on the risk control decision rule; allocating a resource quota for the user according to the processing result; updating the user information according to the resource quota; sending the updated user information to the credit investigation platform and the risk control platform.

3. The method according to claim 2, characterized in that, Allocating a resource quota for the user according to the processing result includes: generating a resource quota and a resource occupancy parameter according to the processing result; allocating a resource quota for the user based on the resource quota and the resource occupancy parameter.

4. A resource request processing method, which can be used in a risk control platform in a resource request processing system, is characterized in that, including: in an externally called mode, opening ports to a cooperation platform to obtain model input parameters of a user, setting a secret key with the cooperation platform, decrypting and parsing the model input parameters through a specific secret key to ensure the security of user data; extracting at least one target platform risk control model from multiple platform risk control models; inputting the model input parameters into the at least one target platform risk control model to generate at least one score; Generate a risk control score based on the at least one score; Generate a second risk control rule based on the risk control score and a preset risk control strategy; Send the second risk control rule to a cooperative platform to process the user's resource request.

5. The method according to claim 4, wherein Before inputting the model input parameters into the platform risk control model to generate a risk control score, it further includes: Extract user information from the model input parameters; Screen the user information through a blacklist and historical users; Generate a warning message when the screening result does not meet the preset conditions.

6. An electronic device, characterized in that, It includes: One or more processors; A storage device 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 2-5.

7. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method according to any one of claims 2-5.

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