Risk control data processing method, system, computer equipment and storage medium

Abstract

The present invention discloses a risk control data processing method, system, computer equipment and storage medium, the method comprising: obtaining configuration data from a risk control variable management platform, and regularly refreshing the configuration data; requesting business data from a data provider; calculating and obtaining risk control variable values ​​based on preset rules, configuration data and business data; and dynamically loading and refreshing the configuration data obtained from the risk control variable management platform at a variable consumer end and storing it locally, thereby avoiding the time-consuming process of temporarily pulling data from the risk control variable management platform before each calculation, improving the timeliness of the risk control review process in obtaining variable configuration data before calculation, reducing dependence on the risk control management platform, and avoiding the impact of the system stability of the risk control management platform on the operation of the risk control system.

Description

Technical Field

[0001] The present invention relates to the field of computer data processing, and in particular to a risk control data processing method, system, computer equipment and storage medium. Background Art

[0002] When conducting user risk control in the internet finance sector, it is usually necessary to assess the user's risk status through data indicators in various dimensions. In order to obtain information on users in various dimensions in a timely, comprehensive and convenient manner, the current method is to build a variable management platform to unify the development, management and output of all variables that the risk control system relies on. In addition, a unified variable data acquisition component service will be provided to complete the variable data acquisition and calculation work.

[0003] Currently, the variable management platform uniformly collects and manages variable metadata information and rules, while data acquisition and calculation are processed locally in a decentralized manner to reduce the platform load.

[0004] However, obtaining configurations through the variable management system can lead to data retrieval failures when the system is unstable, resulting in low availability. Furthermore, the complexity of the call link when using variables is increased, indirectly increasing the time consumption of the entire risk control review link and reducing the timeliness of the business. Summary of the Invention

[0005] The purpose of the present invention is to provide a risk control data processing method, system, computer equipment and storage medium that can improve the timeliness of variable acquisition in the entire risk control review process.

[0006] The technical solution of the present invention is as follows: In a first aspect, the present invention provides a risk control data processing method, the method comprising:

[0007] Obtain configuration data from the risk control variable management platform and regularly refresh and store the configuration data;

[0008] Request business data from the data provider;

[0009] The risk control variable value is calculated based on the preset rules, the configuration data and the business data.

[0010] In a preferred embodiment, the configuration data includes at least risk control variable identification, processing logic and corresponding data provider information;

[0011] Acquiring configuration data from the risk control variable management platform includes:

[0012] Send metadata configuration request to the risk control variable management platform;

[0013] Receiving metadata configuration information returned by the risk control variable management platform in response to the metadata configuration request;

[0014] The metadata configuration information is parsed based on preset parsing configuration rules to obtain configuration data.

[0015] In a preferred embodiment, after receiving the metadata configuration information returned by the risk control variable management platform in response to the metadata configuration request, and before parsing the metadata configuration information based on preset parsing configuration rules to obtain configuration data, the method further includes:

[0016] The metadata configuration information is cached to local data.

[0017] In a preferred embodiment, the periodic refreshing and storing of the configuration data includes:

[0018] Periodically sending a refresh metadata configuration request to the risk control variable management platform;

[0019] Receiving updated hotspot configuration information returned by the risk control variable management platform in response to the refresh metadata configuration request, the updated hotspot configuration information being obtained by the risk control variable management platform analyzing hotspot variables used by the variable consumer end;

[0020] The local data is refreshed based on the updated hotspot configuration information.

[0021] In a preferred embodiment, the metadata configuration refresh request includes at least a consumer identifier, and the update hotspot configuration information is obtained by the risk control variable management platform analyzing hotspot variables used by the variable consumer, including:

[0022] The risk control variable management platform obtains the target variable configuration record according to the consumer terminal identifier;

[0023] The risk control variable management platform filters out the hot variables used by the consumer end as the updated hotspot configuration information based on the target variable configuration record.

[0024] In a preferred embodiment, when the request to obtain business data from the data provider is the Nth time and N>1, the calculating and obtaining the risk control variable value based on the preset rules, the configuration data and the business data includes:

[0025] The risk control variable value is calculated based on the preset rules, the updated hotspot configuration information and the business data.

[0026] In a preferred embodiment, before obtaining the configuration data from the risk control variable management platform, the method further includes:

[0027] Initialize the local configuration.

[0028] In a second aspect, the present invention further provides a risk control data processing system, the system comprising:

[0029] A first acquisition module is used to obtain configuration data from the risk control variable management platform and regularly refresh and store the configuration data;

[0030] The second acquisition module is used to request the data provider to obtain business data;

[0031] The calculation module is used to calculate the risk control variable value based on preset rules, the configuration data and the business data.

[0032] In a third aspect, the present invention further provides a computer device, comprising:

[0033] one or more processors;

[0034] and a memory associated with the one or more processors, the memory being configured to store program instructions, wherein the program instructions, when read and executed by the one or more processors, perform the following operations:

[0035] Obtain configuration data from the risk control variable management platform and regularly refresh and store the configuration data;

[0036] Request business data from the data provider;

[0037] The risk control variable value is calculated based on the preset rules, the configuration data and the business data.

[0038] In a fourth aspect, the present invention further provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of any one of the methods in the first aspect.

[0039] The advantages of the present invention are: providing a risk control data processing method, system, computer equipment and storage medium, the method including: obtaining configuration data from the risk control variable management platform, and regularly refreshing the configuration data; requesting business data from the data provider; calculating and obtaining risk control variable values ​​based on preset rules, configuration data and business data; the variable consumer regularly and dynamically loads and refreshes the configuration data obtained from the risk control variable management platform and stores it locally, avoiding the time-consuming process of temporarily pulling data from the risk control variable management platform before each calculation, improving the timeliness of the risk control review process in obtaining variable configuration data before calculation, reducing dependence on the risk control management platform, and avoiding the impact of the system stability of the risk control management platform on the operation of the risk control system. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0041] Figure 1 A schematic diagram of the architecture for risk control data processing provided in this application;

[0042] Figure 2 Flowchart of the risk control data processing method provided in this application;

[0043] Figure 3 A structural diagram of the risk control data processing system provided for this application;

[0044] Figure 4 This is a diagram of the computer equipment architecture provided for this application. DETAILED DESCRIPTION

[0045] To make the purpose, technical solutions, and advantages of this application more clear, the technical solutions in the embodiments of this application will be clearly and completely described below in conjunction with the drawings in the embodiments of this application. Obviously, the described embodiments are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this application.

[0046] As described in the background, in order to combat payment fraud and avoid losses caused by user fraud, existing technologies have established a risk control variable management platform to centrally develop, manage, and output risk control variable data. A unified variable data retrieval component is then deployed to locally process data retrieval and calculations in a decentralized manner within the risk control variable management platform. However, this approach complicates the variable call process, which in turn increases the time required for the entire risk control review process, reducing the timeliness of the business. Furthermore, if the risk control variable management platform system becomes unstable, the required configuration data cannot be obtained in a timely manner, resulting in data retrieval failures and the inability to complete subsequent calculations.

[0047] To solve the above problems, the present application creatively proposes a risk control data processing method, system, computer equipment and computer-readable storage medium, which regularly refreshes the configuration data obtained from the risk control variable management platform and stores it locally, thereby reducing dependence on the risk control management platform and avoiding the impact of the risk control management platform system stability on the operation of the risk control system. It is only necessary to obtain the cached configuration data locally before recalculation, without the need to temporarily pull data from the risk control management platform, thereby improving the timeliness of the entire risk control process.

[0048] The solution of this application will be described in detail below with reference to the accompanying drawings and various embodiments.

[0049] Example 1: This example introduces the architecture for risk control data processing in this application.

[0050] Specifically, refer to Figure 1 As shown in the figure, the architecture for risk control data processing includes a variable consumption end, a data provider end, and a variable management platform, among which:

[0051] After the variable consumer starts the service, it preloads the configuration, initializes the method, and then requests metadata configuration from the variable management platform. After obtaining the metadata configuration information returned by the risk control variable platform, it parses the metadata configuration information according to the preset parsing configuration rules to obtain the configuration data.

[0052] The variable consumer also wants to send a business data request to the data provider. After obtaining the business data returned by the data provider, it performs rule calculations on the configuration data and business data to obtain the risk control variable value.

[0053] The data provider stores business data.

[0054] The risk control variable management platform stores variable configuration data and analyzes the variables used by consumers.

[0055] Example 2: Based on the architecture for risk control data processing introduced in Example 1 above, this example combines Figure 2 , this article introduces the risk control data processing process in this application.

[0056] Reference Figure 2 As shown, the present application provides a risk control data processing method, the method comprising:

[0057] SA10. Initialize local configuration.

[0058] Specifically, after the variable consumer service is started, the configuration is preloaded and the local method is called.

[0059] S210: Obtain configuration data from the risk control variable management platform, and regularly refresh and store the configuration data.

[0060] In one embodiment, the configuration data includes at least the risk control variable identifier, processing logic, and corresponding data provider information. Each risk control variable identifier is unique, such as the risk control variable name or version number. Of course, the configuration data also includes other data such as association relationships.

[0061] This step includes:

[0062] S211. Send a metadata configuration request to the risk control variable management platform.

[0063] Specifically, the risk control variable management platform stores metadata configuration information. Raw risk control variable data is processed within the platform and then written to the platform for storage. The platform automatically structures unstructured data. For example, source data includes unstructured information such as user credit reports and data source constraint text. Once uploaded to the risk control variable management platform, the platform structures the unstructured data and stores it. As new source data is written to the risk control variable management platform, offline and real-time data are processed in an integrated manner, either in streams or batches. The processing logic is also stored as part of the metadata configuration information.

[0064] After the service is started, the variable consumer sends a metadata configuration request to the risk control variable management platform. The metadata configuration request may include the target risk control variable identifier.

[0065] S212: Receive metadata configuration information returned by the risk control variable management platform according to the metadata configuration request.

[0066] Specifically, the risk control variable management platform returns corresponding metadata configuration information based on the received metadata configuration request, and selects the corresponding metadata configuration information based on the target risk control variable identifier in the metadata configuration request.

[0067] S21A: Cache the metadata configuration information to local data.

[0068] Specifically, the metadata configuration information is cached locally on the variable consumer side.

[0069] S213: Parse the metadata configuration information based on preset parsing configuration rules to obtain configuration data.

[0070] Specifically, the preset parsing configuration rule is an internal parsing method. The metadata configuration information is the data after the risk control variable management platform has been structured and processed in batches and streams. It needs to be parsed to obtain the configuration data itself.

[0071] Preferably, the periodic refreshing and storing of the configuration data includes:

[0072] S214: Periodically sending a refresh metadata configuration request to the risk control variable management platform.

[0073] Specifically, after the variable consumer initiates the service, it will periodically send a metadata configuration refresh request to the risk control variable management platform at a preset time interval. The metadata configuration refresh request contains the same content as the metadata configuration request described above, allowing it to obtain new metadata configuration information written by the risk control variable management platform in real time. The metadata configuration refresh request includes at least the consumer's identifier.

[0074] S215: Receive updated hotspot configuration information returned by the risk control variable management platform according to the refresh metadata configuration request, where the updated hotspot configuration information is obtained by the risk control variable management platform analyzing hotspot variables used by the variable consumption end.

[0075] Specifically, the variable consumer may initially configure M information, but only use N information in recent use, M>N≥1. Then the risk control variable management platform calls the usage records of the variable consumer within the preset date and analyzes the hot variables used by the variable consumer to obtain the N variable information used recently.

[0076] Preferably, the updating of hotspot configuration information is obtained by analyzing hotspot variables used by the variable consumer end by the risk control variable management platform, including:

[0077] S2151. The risk control variable management platform obtains a target variable configuration record according to the consumer end identifier.

[0078] For example, the refresh metadata configuration request includes the consumer-end identifier 001. After receiving the refresh metadata configuration request, the risk control variable management platform filters out the variable usage records corresponding to the consumer-end identifier 001 based on the consumer-end identifier 001, and then filters out the variable usage records within the preset date 2022.07.28-2022.08.01, which are the target variable configuration records.

[0079] S2152. The risk control variable management platform filters out the hot variables used by the consumer end as the updated hotspot configuration information based on the target variable configuration record.

[0080] For example, the variables used in the variable usage records from 2022.07.28 to 2022.08.01 are hot variables.

[0081] S216: Refresh the local data based on the updated hotspot configuration information.

[0082] Refresh the configuration data previously stored locally on the variable consumer end by updating the hotspot configuration information.

[0083] S220: Request the data provider to obtain business data.

[0084] Specifically, the data provider stores business data, which refers to data generated by users when conducting credit business, such as the number of loans, loan amount, loan date, repayment date, etc.

[0085] S230: Calculate and obtain risk control variable values ​​based on preset rules, configuration data, and business data.

[0086] Preferably, when the request to obtain business data from the data provider is the Nth time and N>1, the calculating and obtaining the risk control variable value based on the preset rules, the configuration data and the business data includes:

[0087] The risk control variable value is calculated based on the preset rules, the updated hotspot configuration information and the business data.

[0088] That is, when the variable consumer service is started and requests business data from the data provider, the configuration data used for calculation is the latest configuration data stored locally on the called variable consumer.

[0089] The variable consumption end dynamically loads and refreshes the configuration data obtained from the risk control variable management platform at regular intervals and stores it locally, avoiding the time-consuming process of temporarily pulling data from the risk control variable management platform before each calculation, reducing the frequency of calls to the management platform, and improving the timeliness of the risk control review process in obtaining variable configuration data before calculation, reducing dependence on the risk control management platform, and avoiding the impact of the risk control management platform system stability on the operation of the risk control system.

[0090] And the dynamic refresh mechanism based on hot data analysis and calculation optimizes the scope of configuration refresh and ensures the accuracy of data configuration.

[0091] Example 3: Corresponding to the above-mentioned examples 1 and 2, the following will be combined Figure 3 The risk control data processing system provided in this application is introduced. The system can be implemented by hardware or software, or by a combination of hardware and software, which is not limited in this application.

[0092] In one example, the present application provides a risk control data processing system, the risk control data processing system comprising:

[0093] The first acquisition module 310 is used to obtain configuration data from the risk control variable management platform.

[0094] Regularly refreshing and storing the configuration data;

[0095] The second acquisition module 320 is used to request the data provider to obtain business data;

[0096] The calculation module 330 is used to calculate the risk control variable value based on the preset rules, the configuration data and the business data.

[0097] In one embodiment, the configuration data includes at least risk control variable identification, processing logic, and corresponding data provider information;

[0098] The first acquisition module 310 includes:

[0099] The first sending unit 311 is configured to send a metadata configuration request to the risk control variable management platform;

[0100] A first receiving unit 312 is configured to receive metadata configuration information returned by the risk control variable management platform according to the metadata configuration request;

[0101] The parsing unit 313 is configured to parse the metadata configuration information based on preset parsing configuration rules to obtain configuration data.

[0102] Preferably, the first acquisition module further includes:

[0103] The cache unit 314 is configured to, after the first receiving unit 312 receives the metadata configuration information returned by the risk control variable management platform according to the metadata configuration request, and before the parsing unit 313 parses the metadata configuration information based on the preset parsing configuration rules to obtain the configuration data,

[0104] The metadata configuration information is cached to local data.

[0105] More preferably, the first acquisition module 310 further includes:

[0106] The second sending unit 315 is configured to periodically send a refresh metadata configuration request to the risk control variable management platform;

[0107] A second receiving unit 316 is configured to receive updated hotspot configuration information returned by the risk control variable management platform in response to the refresh metadata configuration request, wherein the updated hotspot configuration information is obtained by analyzing hotspot variables used by the variable consumer end by the risk control variable management platform;

[0108] The refreshing unit 317 is configured to refresh the local data based on the updated hotspot configuration information.

[0109] More preferably, the refresh metadata configuration request includes at least a consumer identifier, and the update hotspot configuration information is obtained by the risk control variable management platform analyzing hotspot variables used by the variable consumer, including:

[0110] The risk control variable management platform obtains the target variable configuration record according to the consumer terminal identifier;

[0111] The risk control variable management platform filters out the hot variables used by the consumer end as the updated hotspot configuration information based on the target variable configuration record.

[0112] More preferably, when the request to obtain service data from the data provider is the Nth time and N>1, the calculation module 330 is further configured to:

[0113] The risk control variable value is calculated based on the preset rules, the updated hotspot configuration information and the business data.

[0114] In one embodiment, the system further comprises:

[0115] The initialization module 340 is used to, before the first acquisition module 310 acquires configuration data from the risk control variable management platform,

[0116] Initialize the local configuration.

[0117] Example 4: Corresponding to the above examples 1 to 3, the following will be combined Figure 4 , the computer device provided by this application is introduced. In one example, Figure 4 As shown, the present application provides a computer device, which includes:

[0118] one or more processors;

[0119] and a memory associated with the one or more processors, the memory being configured to store program instructions, wherein the program instructions, when read and executed by the one or more processors, perform the following operations:

[0120] Obtain configuration data from the risk control variable management platform and regularly refresh and store the configuration data;

[0121] Request business data from the data provider;

[0122] The risk control variable value is calculated based on the preset rules, the configuration data and the business data.

[0123] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0124] Send metadata configuration request to the risk control variable management platform;

[0125] Receiving metadata configuration information returned by the risk control variable management platform in response to the metadata configuration request;

[0126] The metadata configuration information is parsed based on preset parsing configuration rules to obtain configuration data.

[0127] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0128] The metadata configuration information is cached to local data.

[0129] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0130] Periodically sending a refresh metadata configuration request to the risk control variable management platform;

[0131] Receiving updated hotspot configuration information returned by the risk control variable management platform in response to the refresh metadata configuration request, the updated hotspot configuration information being obtained by the risk control variable management platform analyzing hotspot variables used by the variable consumer end;

[0132] The local data is refreshed based on the updated hotspot configuration information.

[0133] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0134] The risk control variable management platform obtains the target variable configuration record according to the consumer terminal identifier;

[0135] The risk control variable management platform filters out the hot variables used by the consumer end as the updated hotspot configuration information based on the target variable configuration record.

[0136] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0137] The risk control variable value is calculated based on the preset rules, the updated hotspot configuration information and the business data.

[0138] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0139] Initialize the local configuration.

[0140] When the program instructions are read and executed by the one or more processors, the program instructions may also perform operations corresponding to the various steps in the above method embodiments. Please refer to the above description and will not be repeated here. Figure 4 , which exemplarily shows the architecture of a computer device, which may specifically include a processor 410, a video display adapter 411, a disk drive 412, an input / output interface 413, a network interface 414, and a memory 420. The processor 410, video display adapter 411, disk drive 412, input / output interface 413, network interface 414, and memory 420 may be communicatively connected via a communication bus 430.

[0141] Among them, the processor 410 can be implemented by a general-purpose central processing unit (CPU), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, etc., to execute relevant programs to implement the technical solutions provided in this application.

[0142] The memory 420 can be implemented in the form of a read-only memory (ROM), a random access memory (RAM), a static storage device, a dynamic storage device, etc. The memory 420 can store an operating system 421 for controlling the operation of the computer device 400, and a basic input and output system (BIOS) 422 for controlling the low-level operations of the computer device 400. In addition, a web browser 423, a data storage management 424, and an icon font processing system 425, etc. can also be stored. The above-mentioned icon font processing system 425 can be an application program that specifically implements the operations of the aforementioned steps in the embodiment of the present application. In short, when the technical solution provided by the present application is implemented by software or firmware, the relevant program code is stored in the memory 420 and is called and executed by the processor 410.

[0143] The input / output interface 413 is used to connect input / output modules to implement information input and output. The input / output modules can be configured as components in the device (not shown in the figure) or can be externally connected to the device to provide corresponding functions. Input devices may include a keyboard, mouse, touch screen, microphone, various sensors, etc., and output devices may include a display, speaker, vibrator, indicator light, etc.

[0144] The network interface 414 is used to connect to a communication module (not shown) to enable communication between the device and other devices. The communication module can communicate via a wired method (such as USB, network cable, etc.) or a wireless method (such as mobile network, WiFi, Bluetooth, etc.).

[0145] The bus 430 comprises a pathway for transmitting information between the various components of the device (eg, the processor 410 , the video display adapter 411 , the disk drive 412 , the input / output interface 413 , the network interface 414 , and the memory 420 ).

[0146] In addition, the computer device 400 can also obtain information on specific collection conditions from the virtual resource object collection condition information database 441 to perform condition judgment, etc.

[0147] It should be noted that although the computer device 400 shown above only includes a processor 410, a video display adapter 411, a disk drive 412, an input / output interface 413, a network interface 414, a memory 420, a bus 430, etc., in a specific implementation, the computer device may also include other components necessary for normal operation. In addition, it will be understood by those skilled in the art that the above device may only include the components necessary to implement the solution of the present application, and does not necessarily include all the components shown in the figure.

[0148] Through the description of the above implementation methods, it can be seen that those skilled in the art can clearly understand that the present application can be implemented by means of software plus the necessary general hardware platform. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which can be stored in a storage medium such as ROM / RAM, a magnetic disk, an optical disk, etc., and includes a number of instructions for enabling a computer device (which can be a personal computer, a cloud server, or a network device, etc.) to execute the methods described in various embodiments of the present application or certain parts of the embodiments.

[0149] Example 5: Corresponding to the above-mentioned examples 1 to 3, the computer-readable storage medium provided by this application is introduced below. In one example, this application provides a computer-readable storage medium having a computer program stored thereon, wherein the program instructions, when read and executed by the one or more processors, perform the following operations:

[0150] Obtain configuration data from the risk control variable management platform and regularly refresh and store the configuration data;

[0151] Request business data from the data provider;

[0152] The risk control variable value is calculated based on the preset rules, the configuration data and the business data.

[0153] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0154] Send metadata configuration request to the risk control variable management platform;

[0155] Receiving metadata configuration information returned by the risk control variable management platform in response to the metadata configuration request;

[0156] The metadata configuration information is parsed based on preset parsing configuration rules to obtain configuration data.

[0157] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0158] The metadata configuration information is cached to local data.

[0159] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0160] Periodically sending a refresh metadata configuration request to the risk control variable management platform;

[0161] Receiving updated hotspot configuration information returned by the risk control variable management platform in response to the refresh metadata configuration request, the updated hotspot configuration information being obtained by the risk control variable management platform analyzing hotspot variables used by the variable consumer end;

[0162] The local data is refreshed based on the updated hotspot configuration information.

[0163] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0164] The risk control variable management platform obtains the target variable configuration record according to the consumer terminal identifier;

[0165] The risk control variable management platform filters out the hot variables used by the consumer end as the updated hotspot configuration information based on the target variable configuration record.

[0166] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0167] The risk control variable value is calculated based on the preset rules, the updated hotspot configuration information and the business data.

[0168] When the program instructions are read and executed by the one or more processors, the program instructions further perform the following operations:

[0169] Initialize the local configuration.

[0170] Each embodiment in this specification is described in a progressive manner. The same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple. For the relevant parts, refer to the partial description of the method embodiment. The device embodiment described above is merely illustrative, wherein the modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical modules, that is, they may be located in one place, or they may be distributed on multiple network modules. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of this embodiment. A person of ordinary skill in the art can understand and implement it without paying any creative work.

[0171] In addition, it should be understood that the terms "first" and "second" in this application are used for descriptive purposes only and should not be construed to indicate or imply relative importance or implicitly specify the number of technical features indicated. Therefore, features specified as "first" or "second" may explicitly or implicitly include one or more of such features.

[0172] The above embodiments are intended only to illustrate the technical concepts and features of the present invention. Their purpose is to enable those skilled in the art to understand the present invention and implement it accordingly. They are not intended to limit the scope of protection of the present invention. Any modifications made within the spirit of the main technical solution of the present invention are intended to be included within the scope of protection of the present invention.

Claims

1. A risk control data processing method, characterized in that: The method comprises: Obtain configuration data from the risk control variable management platform and regularly refresh and store the configuration data; Request business data from the data provider; Calculate and obtain a risk control variable value based on preset rules, the configuration data, and the business data; The step of obtaining configuration data from the risk control variable management platform includes: Send metadata configuration request to the risk control variable management platform; Receiving metadata configuration information returned by the risk control variable management platform in response to the metadata configuration request; Cache the metadata configuration information to local data; Parsing the metadata configuration information based on preset parsing configuration rules to obtain configuration data; The periodic refreshing and storing of the configuration data comprises: A refresh metadata configuration request is periodically sent to the risk control variable management platform, wherein the refresh metadata configuration request includes at least a consumer terminal identifier; Receiving updated hotspot configuration information returned by the risk control variable management platform in response to the refresh metadata configuration request, the updated hotspot configuration information being obtained by the risk control variable management platform analyzing hotspot variables used by the variable consumer end; Refresh the local data based on the updated hotspot configuration information; The updating of hotspot configuration information is obtained by analyzing hotspot variables used by the variable consumption end by the risk control variable management platform, including: The risk control variable management platform obtains the target variable configuration record according to the consumer terminal identifier; The risk control variable management platform filters out the hot variables used by the consumer end as the updated hotspot configuration information based on the target variable configuration record.

2. The risk control data processing method according to claim 1, characterized in that: The configuration data includes at least risk control variable identification, processing logic and corresponding data provider information.

3. The risk control data processing method according to claim 1, characterized in that: When the request to obtain business data from the data provider is the Nth time and N>1, the calculating and obtaining the risk control variable value based on the preset rule, the configuration data and the business data includes: The risk control variable value is calculated based on the preset rules, the updated hotspot configuration information and the business data.

4. The risk control data processing method according to claim 1, characterized in that: Before obtaining the configuration data from the risk control variable management platform, the method further includes: Initialize the local configuration.

5. A risk control data processing system for implementing the risk control data processing method according to any one of claims 1 to 4, characterized in that: The system comprises: A first acquisition module is used to obtain configuration data from the risk control variable management platform and regularly refresh and store the configuration data; The second acquisition module is used to request the data provider to obtain business data; The calculation module is used to calculate the risk control variable value based on preset rules, the configuration data and the business data.

6. A computer device, characterized in that: The device comprises: one or more processors; and a memory associated with the one or more processors, the memory being used to store program instructions, wherein the program instructions, when read and executed by the one or more processors, execute the steps of the method according to any one of claims 1 to 4.

7. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 4 are implemented.

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