Credit investigation data processing method and device, computer device and storage medium

Abstract

The application relates to a credit investigation data processing method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: obtaining a second-generation credit investigation message, preprocessing the second-generation credit investigation message to obtain an initial credit investigation message; obtaining a variable processing flow configured by a front-end component; and performing corresponding processing on the initial credit investigation message according to the variable processing flow to obtain a second-generation credit investigation variable. The corresponding processing flow is configured in advance by the front-end component, the initial credit investigation message obtained after preprocessing is processed according to the processing flow configured by the front-end component, corresponding variables can be obtained according to different configurations of different business personnel, the running speed of the variable processing flow is accelerated, and the variable generation efficiency is improved.

Description

Technical Field

[0001] This application relates to the field of computer applications, and in particular to a credit data processing method, apparatus, computer equipment, and storage medium. Background Technology

[0002] Credit report variable processing refers to the process of extracting data from structured XML (Extensible Markup Language) credit reports, categorizing and organizing the extracted data, and generating variables through simple or complex calculations, or by defining them directly without calculation. These variables can be applied to business decision-making engines to provide variable support for business decisions. Credit report variable processing is a complex issue.

[0003] In traditional technologies, corresponding code is developed to process variables according to business needs. For example, if business personnel A performs a series of processes on a credit report to obtain variable M, a corresponding set of code needs to be developed. If business personnel B performs another process on the credit report to obtain variable N, another set of corresponding code needs to be developed. However, in actual application scenarios, tens of thousands of variables often need to be processed. If corresponding code is developed to implement the corresponding processing, the efficiency of variable generation will be low. Summary of the Invention

[0004] Therefore, it is necessary to provide a credit data processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product that can improve the efficiency of variable generation, in order to address the above-mentioned technical problems.

[0005] Firstly, this application provides a method for processing credit information data. The method includes:

[0006] Obtain the second-generation credit reporting message, preprocess the second-generation credit reporting message to obtain the initial credit reporting message;

[0007] Obtain the variable processing flow configured through the front-end component;

[0008] The initial credit report is processed according to the variable processing procedure to obtain the second-generation credit report variables.

[0009] In one embodiment, the method for configuring variable processing flow through a front-end component includes:

[0010] Obtain the logical function component related to the second-generation credit reporting message selected on the front-end component page. The logical function component includes at least one of logical operation, condition conversion, field truncation, time difference calculation, time point calculation, time conversion, array calculation, and object parsing.

[0011] The variable processing flow is generated based on the selected logical function components.

[0012] In one embodiment, the variable generation process based on the selected logical functional component includes:

[0013] The selected logical functional components are arranged in a preset order to generate a variable processing flow, and the output of the previous logical functional component in the variable processing flow is used as the input of the next logical functional component.

[0014] In one embodiment, the preprocessing of the second-generation credit reporting message to obtain an initial credit reporting message includes:

[0015] The JSON object in the second-generation credit report is extracted and processed, and the non-repeating fields are extracted to the outermost layer of the object to obtain the initial credit report.

[0016] In one embodiment, when the logical function component includes logical operations, the step of obtaining the logical function component related to the second-generation credit reporting message selected on the front-end component page includes:

[0017] Retrieve the logical operation template selected on the front-end component page and enter the logical operation template configuration interface;

[0018] Obtain the trigger operation for adding attribute controls to the configuration interface of the logic operation template;

[0019] The second-generation field search window will be displayed based on the triggered operation;

[0020] Obtain the target credit report field name selected from the credit report field names displayed in the second-generation field search window;

[0021] The selected target credit report field name will be automatically filled into the input box corresponding to the added attribute control.

[0022] In one embodiment, obtaining the target credit report field name selected from the credit report field names displayed in the second-generation field search window includes:

[0023] The selection operation of the classification field of the credit report displayed in the second-generation field search window is obtained;

[0024] Retrieve the search term entered in the search box of the second-generation field search window;

[0025] Based on the search term, search in the category field selected in the selection operation to obtain the candidate credit report field name related to the search term;

[0026] Select the target credit report field name from the candidate credit report field names.

[0027] Secondly, this application also provides a credit data processing apparatus. The apparatus includes:

[0028] The preprocessing module is used to acquire second-generation credit reporting messages, preprocess the second-generation credit reporting messages, and obtain initial credit reporting messages.

[0029] The acquisition module is used to acquire the variable processing flow configured through the front-end components;

[0030] The calculation module processes the initial credit report according to the variable processing flow to obtain the second-generation credit report variables.

[0031] Thirdly, this application also provides a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to perform the following steps:

[0032] Obtain the second-generation credit reporting message, preprocess the second-generation credit reporting message to obtain the initial credit reporting message;

[0033] Obtain the variable processing flow configured through the front-end component;

[0034] The initial credit report is processed according to the variable processing procedure to obtain the second-generation credit report variables.

[0035] Fourthly, this application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, performs the following steps:

[0036] Obtain the second-generation credit reporting message, preprocess the second-generation credit reporting message to obtain the initial credit reporting message;

[0037] Obtain the variable processing flow configured through the front-end component;

[0038] The initial credit report is processed according to the variable processing procedure to obtain the second-generation credit report variables.

[0039] Fifthly, this application also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, performs the following steps:

[0040] Obtain the second-generation credit reporting message, preprocess the second-generation credit reporting message to obtain the initial credit reporting message;

[0041] Obtain the variable processing flow configured through the front-end component;

[0042] The initial credit report is processed according to the variable processing procedure to obtain the second-generation credit report variables.

[0043] The aforementioned credit data processing method, apparatus, computer equipment, storage medium, and computer program product acquire second-generation credit reporting messages, preprocess the second-generation credit reporting messages to obtain initial credit reporting messages, acquire variable processing procedures configured by a front-end component, and process the initial credit reporting messages according to the variable processing procedures to obtain second-generation credit reporting variables. This application pre-configures the corresponding processing procedures in the front-end component. After receiving the second-generation credit reporting messages, it processes the pre-processed initial credit reporting messages according to the processing procedures configured in the front-end component. This allows for processing according to different configurations of different business personnel to obtain corresponding variables, accelerating the operation speed of the variable processing procedures and improving variable generation efficiency. Attached Figure Description

[0044] Figure 1 This is an application environment diagram of a credit data processing method in one embodiment;

[0045] Figure 2 This is a flowchart illustrating a credit data processing method in one embodiment;

[0046] Figure 3 This is a flowchart illustrating the variable configuration process through a front-end component in one embodiment.

[0047] Figure 4 This is a flowchart illustrating step 302 in one embodiment;

[0048] Figure 5 This is a schematic diagram of a front-end component page in one embodiment;

[0049] Figure 6 A schematic diagram of the logic operation template configuration interface in one embodiment;

[0050] Figure 7 This is a schematic diagram of a second-generation field search window in one embodiment;

[0051] Figure 8 This is a flowchart illustrating step 408 in one embodiment;

[0052] Figure 9 This is a structural diagram of a credit data processing device in one embodiment;

[0053] Figure 10 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0054] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0055] The credit data processing method provided in this application embodiment can be applied to, for example... Figure 1 In the application environment shown, terminal 102 communicates with server 104 via a network. A data storage system can store the data that server 104 needs to process. The data storage system can be integrated onto server 104 or placed on a cloud or other network server. Server 104 acquires second-generation credit reporting messages, preprocesses them to obtain initial credit reporting messages, and acquires the variable processing flow configured by the front-end component, where the front-end component can be understood as terminal 102. Server 104 processes the initial credit reporting message accordingly according to the variable processing flow to obtain second-generation credit reporting variables. Terminal 102 can be, but is not limited to, various personal computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices can be smart speakers, smart TVs, smart air conditioners, smart vehicle devices, etc. Portable wearable devices can be smartwatches, smart bracelets, head-mounted devices, etc. Server 104 can be implemented using a standalone server or a server cluster composed of multiple servers.

[0056] In one embodiment, such as Figure 2 As shown, a credit data processing method is provided, which can be applied to... Figure 1 Taking the server in the example, the following steps are included:

[0057] Step 202: Obtain the second-generation credit reporting message, preprocess the second-generation credit reporting message to obtain the initial credit reporting message.

[0058] Second-generation credit reporting messages include basic information about individuals or enterprises, document information, and credit information, involving a complex hierarchical data structure. After obtaining the second-generation credit reporting message data, the server preprocesses it to obtain the initial credit reporting message data. The server can obtain second-generation credit reporting message data periodically or in real time, and then preprocess it to obtain the initial credit reporting message. Preprocessing includes hierarchical parsing, data format standardization, and message type identification. Hierarchical parsing refers to sorting out the nested structure in the second-generation credit reporting message to obtain a pre-defined hierarchical structure. Data format standardization, for example, converts different time formats in the message to a unified millisecond time format. Message type identification refers to determining the message's type attribute based on keywords or pre-defined information in the message.

[0059] Step 204: Obtain the variable processing flow configured through the front-end component.

[0060] The server obtains the variable processing flow configured through the front-end component. The front-end component can be understood as the terminal. The terminal receives configuration data input by the user, compiles it into a variable processing flow, and then sends the flow to the server. The server receives the corresponding variable processing flow and stores it in its database. The variable processing flow refers to the variables obtained after executing the appropriate variable processing flow on the initial credit report. Different users input different configuration data, and the terminal receives and compiles this data into different variable processing flows. The terminal then sends these different flows to the server, which processes the initial credit report according to the received flows to obtain different second-generation credit reporting variables.

[0061] Step 206: Process the initial credit report according to the variable processing procedure to obtain the second-generation credit report variables.

[0062] The server processes the initial credit report according to the variable processing flow configured in the front-end component. In other words, it takes the initial credit report as input, executes and calculates the corresponding variable processing flow, and thus obtains the second-generation credit report variables.

[0063] The aforementioned credit data processing method involves acquiring second-generation credit reporting messages, preprocessing these messages to obtain initial credit reporting messages, obtaining the variable processing flow configured by the front-end component, and then processing the initial credit reporting messages accordingly to obtain second-generation credit reporting variables. This application pre-configures the corresponding processing flow in the front-end component. Upon receiving the second-generation credit reporting messages, it processes the pre-processed initial credit reporting messages according to the configured flow. This allows for processing based on different configurations of different business personnel to obtain corresponding variables, accelerating the variable processing flow and improving variable generation efficiency.

[0064] In one embodiment, such as Figure 3 As shown, the method for configuring variable processing through front-end components includes:

[0065] Step 302: Obtain the logical function components related to the second-generation credit reporting message selected on the front-end component page. The logical function components include at least one of logical operation, condition conversion, field truncation, time difference calculation, time point calculation, time conversion, array calculation, and object parsing.

[0066] The front-end component page contains multiple logical function components related to the second-generation credit reporting message. These logical function components can be understood as individual operational expressions; each component represents a specific expression. Selecting a particular component signifies selecting the corresponding operational expression. The server retrieves the selected logical function component related to the second-generation credit reporting message from the front-end component page. These logical function components include one or more of the following: logical operations, conditional transformations, field truncation, time difference calculations, point-in-time calculations, time conversions, array calculations, and object parsing.

[0067] Logical operations include addition, subtraction, multiplication, division, modulo, logarithm, round up, round down, round to the nearest integer, maximum value, minimum value, current time, random number, and other operators. Custom logical operations can also be defined according to business needs, and corresponding logical expressions can be configured through combinations of multiple operators.

[0068] Condition transformation: judge based on set conditions and return the specified result. For example, the set conditions can be greater than, less than, greater than or equal to, less than or equal to, equal to, not equal to, contain, do not contain, belong to, do not belong to, etc.

[0069] Field truncation is used to extract specific strings. Truncation methods include truncation by delimiter, truncation by position, and truncation by regular expressions. Delimiter truncation identifies the delimiter and can extract content before or after it. Position truncation retrieves the string after a specified position. Regular expressions are logical formulas for string manipulation, using predefined specific characters and combinations of these characters to form a "rule string" that expresses filtering logic for the string. The appropriate field truncation method can be selected based on specific needs. For example, to obtain birth time information of individuals in a message, the ID card number can be retrieved from the truncation field, and the corresponding birth time information can be extracted by position. That is, selecting the 7th to 14th digits of the ID card number will yield the corresponding birth time information.

[0070] Time difference calculation is used to calculate the time difference between two times. The time unit can be uniformly set to milliseconds, seconds, minutes, hours, days, months, years, etc. The time format includes yyyy-MM-dd, yyyy-MM-dd HH:mm:ss, yyyyMMdd, yyyyMMddHHmmss, yyyy-MM-dd HH:mm:ss.SSS, etc.

[0071] Time point calculation, used to obtain the year, month, day, week, hour, or minute of a specified time, such as obtaining the year of a user's birth date.

[0072] Time conversion is used to convert the format or value of a time field. For example, it can convert a time in millisecond timestamp format to yyyy-MM-dd HH:mm:ss format and add 3 days to the result.

[0073] Array computation is used to process arrays in the initial message. Examples include calculating the maximum, minimum, average, sum, counting, deduplication, sorting, and filtering of arrays.

[0074] Object parsing is used to directly retrieve values ​​from object properties. For example, using the jsonpath expression for parsing the object {"a":{"b":{"c":"1"}}}, and configuring the property path as "abc", the value of the "c" field can be retrieved.

[0075] Step 304: Generate a variable processing flow based on the selected logical function components.

[0076] The server generates corresponding variable processing flows based on the selected logical function components. In this embodiment, a variable processing flow can be understood as a mixed operation expression, which contains at least one operation expression. Different selected logical function components correspond to different mixed operation expressions, and thus different variable processing flows. For example, if the selected logical function components include logical operations, field truncation, and time point calculation, the corresponding variable processing flow is A; if the selected logical function components include conditional transformation and time difference calculation, the corresponding variable processing flow is B. The order of the selected logical function components also affects the generated variable processing flow.

[0077] The above embodiments are illustrated using a server as an example, but the corresponding solutions are also applicable to application scenarios where the terminal is the main execution entity.

[0078] In one embodiment, step 304 of generating a variable processing flow based on the selected logical function component includes:

[0079] The selected multiple logical functional components are arranged in a preset order to generate a variable processing flow, and the output of the previous logical functional component in the variable processing flow is used as the input of the next logical functional component.

[0080] In one possible implementation, the terminal receives the initial credit report message from the selected first logical function component and processes it to obtain a first result identifier; the initial credit report message is processed by the selected second logical function component and a second result identifier is obtained; when the initial credit report message is processed by the selected third logical function component, the first result identifier and the second result identifier can be selected as inputs to the third logical function component to obtain a third result identifier, and the data corresponding to the third result identifier is the second-generation credit report variable obtained by this variable processing flow.

[0081] In another possible implementation, the server receives the initial credit report message from the selected first logical function component and processes it to obtain a first result, which is stored in the location corresponding to the first result identifier. When the selected second logical function component processes the initial credit report message, the first result is used as input to obtain a second result. When the selected third logical function component processes the initial credit report message, the second result is used as input to obtain a third result. The third result is the second-generation credit report variable obtained from this variable processing flow.

[0082] The above embodiments are merely examples illustrating how to generate variable processing flows based on the selected logical functional components. In specific application scenarios, more logical functional components can be selected, and the combinations can be more complex. Specific logical functional components can be selected and combined according to the application scenario requirements.

[0083] In one embodiment, step 202, which preprocesses the second-generation credit reporting message to obtain the initial credit reporting message, includes:

[0084] The JSON object in the second-generation credit report is extracted and processed, and the non-repeating fields are extracted to the outermost layer of the object to obtain the initial credit report.

[0085] JSON (JavaScript Object Notation) is a lightweight data-interchange format that uses a text format completely independent of programming languages ​​to store and represent data. In other words, JSON can convert a set of data represented in a JavaScript object into a string, which can then be transmitted over a network or between programs and restored to the data format supported by various programming languages ​​when needed. In this embodiment, the server first converts the received second-generation credit report into a JSON object. It then performs structural analysis and field extraction on the nested JSON object, extracting unique fields to the outermost layer of the object. It can also extract JSON arrays from the report to the outermost layer, ultimately retaining only the first layer of nested structure to obtain the initial credit report. This allows for quick access and selection of fields within the report, enabling rapid overall processing of the report.

[0086] In one embodiment, such as Figure 4 As shown, the logical function components include those used during logical operations to retrieve the logical function components related to the second-generation credit reporting message selected on the front-end component page, including:

[0087] Step 402: Obtain the logic operation template selected on the front-end component page and enter the logic operation template configuration interface.

[0088] In an optional embodiment, the front-end component page includes a variety of components, one of which is a second-generation credit reporting template component, used to associate logical function components related to second-generation credit reporting messages, and may also include, for example, a credit report template component, a report template component, etc.

[0089] After selecting the second-generation credit reporting template component, you can obtain the selected logical operation template on the front-end component page and enter the logical operation template configuration interface. A screenshot of the front-end component page is shown below. Figure 5 As shown.

[0090] Step 404: Obtain the trigger operation for adding attribute controls to the logic operation template configuration interface.

[0091] Step 406: Display the second-generation field search window based on the triggered operation.

[0092] Step 408: Obtain the target credit report field name selected from the credit report field names displayed in the second-generation field search window.

[0093] Step 410: Automatically fill the selected target credit report field name into the input box corresponding to the added attribute control.

[0094] In an optional embodiment, the logic operation template configuration interface is as follows: Figure 6As shown, the trigger operation for adding attribute controls in the logical operation template configuration interface can be obtained. Based on the trigger operation, the second-generation field search window is displayed. A schematic diagram of the second-generation field search window is shown below. Figure 7 As shown, the target credit report field name selected from the credit report field names displayed in the second-generation field search window is obtained, and the selected target credit report field name is automatically filled into the input box corresponding to the added attribute control. The corresponding operator is obtained, and the operator and the target credit report field name together form the corresponding expression.

[0095] In one embodiment, such as Figure 8 As shown, step 408, which retrieves the target credit report field name selected from the credit report field names displayed in the second-generation field search window, includes:

[0096] Step 802: Select the category field of the credit report displayed in the second-generation field search window.

[0097] Step 804: Obtain the search term entered in the search box of the second-generation field search window.

[0098] Step 806: Based on the search term, search in the category field selected in the selection operation to obtain the candidate credit report field name related to the search term.

[0099] Step 808: Select the target credit report field name from the candidate credit report field names.

[0100] In one example, a diagram of the second-generation field search window is shown below. Figure 7 As shown, the process involves selecting a category field from the credit report data displayed in the second-generation field search window. For example, the selected category fields might include basic report information, basic personal information, information summary, and credit transaction details. The process then retrieves the search term entered in the search box of the second-generation field search window. Based on this search term, it searches within the selected category fields to obtain candidate credit report field names related to the search term. Finally, it selects the target credit report field name from these candidate field names, such as document type, document number, or report date.

[0101] Through the variable processing flow configured by the front-end component in the above embodiments, different business personnel can use the same second-generation credit reporting template component to configure different variable processing flows, thereby obtaining the corresponding variables. This increases the reusability of the logical functional components in the second-generation credit reporting template component and also reduces the development cost of the variable processing flow.

[0102] It should be understood that although the steps in the flowcharts of the embodiments described above are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the embodiments described above may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0103] Based on the same inventive concept, this application also provides a credit data processing apparatus for implementing the credit data processing method described above. The solution provided by this apparatus is similar to the implementation scheme described in the above method; therefore, the specific limitations in one or more embodiments of the credit data processing apparatus provided below can be found in the limitations of the credit data processing method described above, and will not be repeated here.

[0104] In one embodiment, such as Figure 9 As shown, a credit data processing device is provided, comprising: a preprocessing module 902, an acquisition module 904, and a calculation module 906, wherein:

[0105] Preprocessing module 902 is used to acquire second-generation credit reporting messages, preprocess the second-generation credit reporting messages, and obtain initial credit reporting messages;

[0106] Get module 904, used to obtain the variable processing flow configured through the front-end component;

[0107] The calculation module 906 processes the initial credit report according to the variable processing flow to obtain the second-generation credit report variables.

[0108] In one embodiment, the credit data processing device further includes a configuration module for implementing a variable processing flow configured through a front-end component.

[0109] Obtain the logical function component related to the second-generation credit reporting message selected on the front-end component page. The logical function component includes at least one of logical operation, condition conversion, field truncation, time difference calculation, time point calculation, time conversion, array calculation, and object parsing.

[0110] The variable processing flow is generated based on the selected logical function components.

[0111] In one embodiment, the configuration module is further configured to:

[0112] The selected multiple logical functional components are arranged in a preset order to generate a variable processing flow, and the output of the previous logical functional component in the variable processing flow is used as the input of the next logical functional component.

[0113] In one embodiment, the preprocessing module 902 is further configured to:

[0114] The JSON object in the second-generation credit report is extracted and processed, and the non-repeating fields are extracted to the outermost layer of the object to obtain the initial credit report.

[0115] In one embodiment, when the logical function component includes logical operations, the configuration module is further configured to:

[0116] Retrieve the logical operation template selected on the front-end component page and enter the logical operation template configuration interface;

[0117] Obtain the trigger operation for adding attribute controls to the configuration interface of the logic operation template;

[0118] The second-generation field search window will be displayed based on the triggered operation;

[0119] Obtain the target credit report field name selected from the credit report field names displayed in the second-generation field search window;

[0120] The selected target credit report field name will be automatically filled into the input box corresponding to the added attribute control.

[0121] In one embodiment, the configuration module is further configured to:

[0122] The selection operation of the classification field of the credit report displayed in the second-generation field search window is obtained;

[0123] Retrieve the search term entered in the search box of the second-generation field search window;

[0124] Based on the search term, search in the category field selected in the selection operation to obtain the candidate credit report field name related to the search term;

[0125] Select the target credit report field name from the candidate credit report field names.

[0126] Each module in the aforementioned credit data processing device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can call and execute the corresponding operations of each module.

[0127] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 10 As shown, the computer device includes a processor, memory, and a network interface connected via a system bus. The processor provides computational and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores variable processing flow data. The network interface communicates with external terminals via a network connection. When executed by the processor, the computer program implements a credit data processing method.

[0128] Those skilled in the art will understand that Figure 10 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0129] In one embodiment, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to perform the following steps:

[0130] Obtain the second-generation credit reporting message, preprocess the second-generation credit reporting message to obtain the initial credit reporting message;

[0131] Obtain the variable processing flow configured through the front-end component;

[0132] The initial credit report is processed according to the variable processing procedure to obtain the second-generation credit report variables.

[0133] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon, the computer program performing the following steps when executed by a processor:

[0134] Obtain the second-generation credit reporting message, preprocess the second-generation credit reporting message to obtain the initial credit reporting message;

[0135] Obtain the variable processing flow configured through the front-end component;

[0136] The initial credit report is processed according to the variable processing procedure to obtain the second-generation credit report variables.

[0137] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, performs the following steps:

[0138] Obtain the second-generation credit reporting message, preprocess the second-generation credit reporting message to obtain the initial credit reporting message;

[0139] Obtain the variable processing flow configured through the front-end component;

[0140] The initial credit report is processed according to the variable processing procedure to obtain the second-generation credit report variables.

[0141] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0142] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0143] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0144] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A credit data processing method, characterized by, The method comprises: obtaining a second-generation credit investigation message, preprocessing the second-generation credit investigation message to obtain an initial credit investigation message; the preprocessing comprises hierarchical analysis, data format unification and message type identification; obtaining a variable processing flow configured through a front-end component; processing the initial credit investigation message according to the variable processing flow to obtain a second-generation credit investigation variable; The method for configuring a variable processing flow through a front-end component comprises: obtaining a selected logical function component related to the second-generation credit investigation message on a front-end component page, the logical function component comprising at least one of logical operation, conditional conversion, field interception, time difference calculation, time point calculation, time conversion, array calculation and object analysis; generating a variable processing flow according to the selected logical function component.

2. The method of claim 1, wherein, The method for generating a variable processing flow according to the selected logical function component comprises: arranging the selected logical function components in a preset order to generate a variable processing flow, and the output of a previous logical function component in the variable processing flow serving as the input of a subsequent logical function component.

3. The method of claim 2, wherein, The variable processing flow comprises a first logical function component, a second logical function component and a third logical function component; the processing of the initial credit investigation message according to the variable processing flow to obtain a second-generation credit investigation variable comprises: processing the initial credit investigation message through the first logical function component to obtain a first result; processing the initial credit investigation message through the second logical function component to obtain a second result; processing the first result and the second result through the third logical function component to obtain a second-generation credit investigation variable.

4. The method of claim 2, wherein, The variable processing flow comprises a first logical function component, a second logical function component and a third logical function component; the processing of the initial credit investigation message according to the variable processing flow to obtain a second-generation credit investigation variable comprises: processing the initial credit investigation message through the first logical function component to obtain a first result; processing the first result through the second logical function component to obtain a second result; processing the second result through the third logical function component to obtain a second-generation credit investigation variable.

5. The method of claim 1, wherein, The preprocessing of the second-generation credit investigation message to obtain an initial credit investigation message comprises: extracting and processing a JSON object in the second-generation credit investigation message to extract non-repeated fields to the outermost layer of the object to obtain an initial credit investigation message.

6. The method of claim 1, wherein, When the logical function component comprises logical operation, the obtaining of the selected logical function component related to the second-generation credit investigation message on the front-end component page comprises: obtaining a selected logical operation template on the front-end component page to enter a logical operation template configuration interface; obtaining a trigger operation of adding an attribute control in the logical operation template configuration interface; displaying a second-generation field search window according to the trigger operation; obtaining a selected target credit investigation message field name from the displayed credit investigation message field name in the second-generation field search window; automatically filling the selected target credit investigation message field name into an input box corresponding to the added attribute control.

7. The method of claim 6, wherein, The obtaining includes: The obtaining includes: The obtaining includes: The obtaining includes: The obtaining includes:

8. A credit data processing apparatus, characterized by comprising: The apparatus includes: The preprocessing module is configured to obtain a second-generation credit report, preprocess the second-generation credit report, and obtain an initial credit report. The obtaining module is configured to obtain a variable processing flow configured by a front-end component. The computing module is configured to process the initial credit report according to the variable processing flow and obtain a second-generation credit variable. The apparatus further includes a configuration module configured to obtain a selected logic function component related to the second-generation credit report on a front-end component page, and generate a variable processing flow according to the selected logic function component. 9.A computer device, comprising a memory and a processor, wherein the memory stores a computer program, and the computer device is configured to perform the method according to any one of claims 1-8 when the computer program is executed by the processor. The computer program is executed by the processor to implement the steps of the method of any one of claims 1 to 7.

10. A computer-readable storage medium having stored thereon a computer program, characterized in that, The computer program is executed by the processor to implement the steps of the method of any one of claims 1 to 7.

11. A computer program product comprising a computer program, characterized in that, The computer program is executed by the processor to implement the steps of the method of any one of claims 1 to 7.

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