A method and apparatus for processing credit data

Abstract

This invention discloses a method and apparatus for credit data processing, relating to the field of big data technology. One specific embodiment of the method includes: in response to receiving a data processing request from a business system, obtaining a credit template and credit processing rules corresponding to the business system; obtaining source data from a source data table according to the credit template; processing the source data according to the credit processing rules to obtain credit data; and preprocessing the credit data to generate a credit reporting file. This embodiment enables unified processing of credit data, shortens the development cycle, reduces development costs, and improves the efficiency and accuracy of credit data processing.

Description

Technical Field

[0001] This invention relates to the field of big data technology, and in particular to a method and apparatus for processing credit data. Background Technology

[0002] Because business systems involving loan operations, such as those of the Housing Provident Fund Center, are not connected to the credit reporting system, they cannot directly obtain credit reports for enterprises or individuals. To meet the requirements of convenient services, these business systems need to connect to the credit reporting system to query user credit information. However, connecting the business systems to the credit reporting system requires the business systems to report loan-related data for enterprises or individuals.

[0003] In related technologies, different business systems need to customize their integration programs according to the processing logic of the credit reporting system when connecting to the credit reporting system. This results in long development and testing cycles and poor universality. Summary of the Invention

[0004] In view of this, embodiments of the present invention provide a method and apparatus for processing credit data, which can realize unified processing of credit data, shorten the development cycle, reduce development costs, and improve the efficiency and accuracy of credit data processing.

[0005] To achieve the above objectives, according to one aspect of the present invention, a method for processing credit information data is provided, comprising:

[0006] In response to receiving a data processing request from a business system, obtain the credit reporting template and credit reporting processing rules corresponding to the business system;

[0007] Retrieve source data from the source data table based on the credit reporting template;

[0008] The source data is processed according to the credit reporting processing rules to obtain credit reporting data;

[0009] The credit data is preprocessed to generate a credit reporting file.

[0010] Optionally, before obtaining the credit reporting template and credit reporting processing rules corresponding to the information in the business system, the following steps are included:

[0011] Configure the credit reporting template and credit reporting processing rules corresponding to the business system.

[0012] Optionally, source data is obtained from the source data table based on the credit reporting template, including:

[0013] Based on the credit reporting template, source data is collected from the source data table periodically using a segmented processing method.

[0014] Optionally, the credit reporting template indicates fields in the source data table; retrieving source data from the source data table based on the credit reporting template includes:

[0015] The SQL statement used to collect the source data;

[0016] The SQL statement is validated, and if the validation result indicates that the validation passed, the fields in the source data table are queried according to the SQL statement.

[0017] Optionally, the source data is processed according to credit reporting processing rules to obtain credit reporting data, including:

[0018] The source data is processed according to the credit processing rules to obtain data to be processed, and the data to be processed is then processed into an intermediate table.

[0019] Credit data is obtained based on the data to be processed in the intermediate table.

[0020] Optionally, the data to be processed includes loan account information, loan bill information, loan repayment record information, and loan change transaction information.

[0021] Optionally, the credit data includes basic personal information, and generating credit data based on the data to be processed in the intermediate table includes:

[0022] The personal basic information is generated based on the loan account information.

[0023] Optionally, the credit data includes collateral and pledge information. Generating credit data based on the data to be processed in the intermediate table includes:

[0024] The collateral information is generated based on the loan account information.

[0025] Optionally, the credit data includes loan account information, and generating credit data based on the data to be processed in the intermediate table includes:

[0026] The loan account information is generated based on the loan bill information, loan repayment record information, and loan change transaction information.

[0027] Optionally, the collateral information includes existing collateral information, effective collateral information, expired collateral information, and changed collateral information.

[0028] Optionally, the credit data is preprocessed, including:

[0029] Obtain credit verification rules and use the credit verification rules to verify the credit data;

[0030] If the verification result indicates that the verification is normal, the credit data is encrypted and compressed.

[0031] Optionally, after verifying the credit data using the credit verification rules, the process includes:

[0032] If the verification result indicates an error, an error message will be generated.

[0033] According to another aspect of the present invention, an apparatus for processing credit data is provided, comprising:

[0034] The first acquisition module, in response to receiving a data processing request from the business system, acquires the credit reporting template and credit reporting processing rules corresponding to the business system;

[0035] The second acquisition module retrieves source data from the source data table based on the credit report template.

[0036] The processing module processes the source data according to credit processing rules to obtain credit data;

[0037] The preprocessing module preprocesses the credit data to generate a credit file for submission.

[0038] Optionally, the first acquisition module is further configured to: configure the credit template and credit processing rules corresponding to the business system before acquiring the credit template and credit processing rules corresponding to the business system.

[0039] Optionally, the second acquisition module is further configured to:

[0040] Based on the credit reporting template, source data is collected from the source data table periodically using a segmented processing method.

[0041] Optionally, the credit reporting template indicates fields in the source data table; the second acquisition module is further configured to:

[0042] The SQL statement used to collect the source data;

[0043] The SQL statement is validated, and if the validation result indicates that the validation passed, the fields in the source data table are queried according to the SQL statement.

[0044] According to another aspect of the present invention, an electronic device is provided, comprising:

[0045] One or more processors;

[0046] Storage device for storing one or more programs.

[0047] When the one or more programs are executed by the one or more processors, the one or more processors implement the credit data processing method provided by the present invention.

[0048] According to another aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements the credit data processing method provided by the present invention.

[0049] According to another aspect of the present invention, a computer program product is provided, including a computer program that, when executed by a processor, implements the credit data processing method provided by the present invention.

[0050] One embodiment of the above invention has the following advantages or beneficial effects: Upon receiving a data processing request from a business system, it obtains the credit reporting template and credit reporting processing rules corresponding to the business system; it retrieves source data from the source data table according to the credit reporting template, then processes the source data according to the credit reporting processing rules to obtain credit reporting data; after preprocessing the credit reporting data, it generates a credit reporting submission file for submission to the credit reporting system. This method, by configuring the credit reporting template and credit reporting processing rules, can meet the needs of the business system and the credit reporting system for integration, shortens the development cycle, and has good versatility and scalability. This method is applicable to the integration of different business systems and the credit reporting system, achieving unified processing of credit reporting data, reducing development costs, and improving the efficiency and accuracy of credit reporting data processing.

[0051] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0052] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0053] Figure 1 This is a schematic diagram of the main flow of a credit data processing method according to an embodiment of the present invention;

[0054] Figure 2 This is a schematic diagram of the main flow of another credit data processing method according to an embodiment of the present invention;

[0055] Figure 3 This is a schematic diagram of the main flow of another credit data processing method according to an embodiment of the present invention;

[0056] Figure 4 This is a schematic diagram of the main modules of a credit data processing apparatus according to an embodiment of the present invention;

[0057] Figure 5 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0058] Figure 6 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0059] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0060] It should be noted that the collection, analysis, use, transmission, and storage of user personal information involved in the technical solution of this invention all comply with relevant laws and regulations, are used for legitimate and reasonable purposes, and are not shared, disclosed, or sold outside of these legitimate uses, and are subject to supervision and management by regulatory authorities. Necessary measures should be taken to prevent unauthorized access to such personal information data, ensure that personnel authorized to access personal information data comply with relevant laws and regulations, and ensure the security of user personal information. Once this user personal information data is no longer needed, the risk should be minimized by restricting or even prohibiting data collection and / or deleting the data.

[0061] When applicable, including in certain relevant applications, user privacy is protected by de-identifying data, such as by removing specific identifiers (e.g., ID numbers), controlling the amount or specificity of stored data, controlling how data is stored, and / or other methods of de-identification.

[0062] Figure 1 This is a schematic diagram of the main flow of a credit data processing method according to an embodiment of the present invention, as shown below. Figure 1 As shown, the method includes the following steps:

[0063] Step S101: In response to receiving a data processing request from the business system, obtain the credit reporting template and credit reporting processing rules corresponding to the business system;

[0064] Step S102: Obtain source data from the source data table according to the credit report template;

[0065] Step S103: Process the source data according to the credit processing rules to obtain credit data;

[0066] Step S104: Preprocess the credit data to generate a credit reporting file.

[0067] In this embodiment of the invention, after receiving a data processing request from a business system, the credit reporting template and credit reporting processing rules corresponding to that business system are obtained. That is, each business system has a corresponding credit reporting template and credit reporting processing rules, thereby enabling the processing of credit reporting data from each business system. Before obtaining the credit reporting template and credit reporting processing rules corresponding to the business system, the process includes: configuring the credit reporting template and credit reporting processing rules corresponding to the business system.

[0068] In this embodiment of the invention, the business system can be a system involving loan business, such as a local housing provident fund center. Upon receiving a data processing request from the business system, the corresponding business system information can be obtained, and then the corresponding credit reporting template and credit reporting processing rules can be obtained. The business system information may include a business system identifier, such as the name of the housing provident fund center. The business system information may also include source database information corresponding to the business system. The source database can be a database used for reporting credit data, and the source database information includes a source database identifier and a source data table. That is, before obtaining source data from the source data table according to the credit reporting template, the credit reporting template is first obtained. The corresponding credit reporting template can be obtained based on the business system information, and the corresponding source database can be obtained simultaneously. Then, source data is obtained from the source data table in the source database corresponding to the business system based on the credit reporting template.

[0069] In this embodiment of the invention, the credit reporting template indicates the fields in the source data table; obtaining source data from the source data table according to the credit reporting template includes: obtaining the SQL statement for collecting source data; validating the SQL statement, and if the validation result indicates that the validation passed, querying the fields in the source data table according to the SQL statement.

[0070] In this embodiment of the invention, the credit reporting template indicates a field in the source data table, meaning that the source data corresponding to that field can be obtained from the source data table. Specifically, the credit reporting template includes template information and template details. The template information can be a template identifier, and the template details can include fields from the source data table, indicating the identifier of the source data table. When obtaining source data from the source data table based on the credit reporting template, an SQL (Structured Query Language) statement for collecting the source data can be received. Then, the SQL statement is validated according to preset rules to determine its correctness. If the validation result indicates that the validation passed, the fields in the source data table can be collected based on the SQL statement. By customizing the SQL statement for source data collection, the collection method becomes more flexible.

[0071] In this embodiment of the invention, obtaining source data from the source data table according to the credit reporting template includes: periodically collecting source data from the source data table using a segmented processing method according to the credit reporting template.

[0072] In this embodiment of the invention, when retrieving source data from the source data table based on the credit reporting template, a credit reporting template retrieval interface is called to obtain the credit reporting template. Then, source data from the source data table is collected periodically, and the source data is verified using the credit reporting template. Verification can include data format verification. After successful verification, the source data is filled into the credit reporting template to obtain a collection result table. When periodically collecting source data from the source data table, a sharding approach can be used. The amount of data corresponding to each shard can be customized; for example, each shard can be set to collect 200,000 data entries. The time interval can also be customized. Periodically collecting source data improves data collection efficiency. Sharding can be implemented using multi-threaded concurrent execution, which improves the efficiency of source data collection and, consequently, the efficiency of credit reporting data processing.

[0073] In this embodiment of the invention, after collecting source data, the source data can be processed according to credit reporting processing rules to obtain credit reporting data. Before processing the source data according to the credit reporting processing rules, the credit reporting processing rules need to be configured. The credit reporting processing rules can be credit reporting processing logic for different fields. After processing the source data using the credit reporting processing logic, credit reporting data can be obtained.

[0074] In embodiments of the present invention, such as Figure 2 As shown, the source data is processed according to the credit reporting processing rules to obtain credit reporting data, including:

[0075] Step S201: Process the source data according to the credit processing rules to obtain the data to be processed, and process the data to be processed into the intermediate table;

[0076] Step S202: Obtain credit data based on the data to be processed in the intermediate table.

[0077] In this embodiment of the invention, when processing source data according to credit reporting processing rules to obtain credit reporting data, the source data is first processed using the credit reporting processing rules to process the obtained data to be processed into an intermediate table. The intermediate table includes preset report fields, and the credit reporting processing rules indicate the credit reporting processing logic corresponding to each preset report field. By processing the source data according to the credit reporting processing logic of each preset report field, the field value corresponding to each preset report field can be obtained, thereby obtaining the data to be processed, which includes the preset report fields and their corresponding field values. Then, the data to be processed is filled into the corresponding preset report fields in the intermediate table. The credit reporting processing rules include fixed values, simple concatenation, direct extraction, simple transformation, complex calculation, and no reporting, among other credit reporting processing logics. They can also be extended using variables and expressions, allowing for the customization of credit reporting processing logic. Fixed value can be a preset value; simple concatenation means concatenating two or more data; direct extraction means extracting directly from the source data, such as ID number; simple conversion means converting according to a preset format; complex calculation means performing a series of calculations according to preset calculation rules; non-reporting means that the data will not be reported to the credit reporting system.

[0078] In this embodiment of the invention, an intermediate table can be obtained through a data preview query interface, so that the correctness of the credit processing logic can be checked at any time.

[0079] In this embodiment of the invention, after the credit processing rules are adjusted, such as by adding, deleting or modifying the credit processing logic, the intermediate table can be reprocessed. That is, the credit processing logic of the preset report fields in the intermediate table is adjusted, and the source data is processed according to the credit processing logic to obtain the adjusted data to be processed, and the adjusted data to be processed is processed into the intermediate table.

[0080] After processing the data to be processed into an intermediate table, further processing is performed on the data to obtain credit data. When the business system is a housing provident fund center, the data to be processed can include housing provident fund contribution information, loan information, etc. Specifically, the data to be processed can include loan account information, loan bill information, loan repayment flow information, and loan change transaction information. Loan account information includes the loan applicant's identity information, loan account information, loan collateral information, etc. The loan applicant can be an individual or a company. Loan bill information includes loan amount, loan term, etc. Loan repayment flow information includes repayment account, repayment amount, repayment date, etc. Loan change transaction information includes change transaction date, loan applicant before and after the change transaction.

[0081] In this embodiment of the invention, credit data includes basic personal information. Generating credit data based on data to be processed in an intermediate table includes: generating basic personal information based on loan account information. Basic personal information can be obtained from the loan account information in the intermediate table. Basic personal information includes existing basic personal information and newly added basic personal information. Existing basic personal information is the basic personal information from the previous credit data report, and newly added basic personal information is basic personal information that did not exist in the previous credit data report.

[0082] In this embodiment of the invention, the credit data includes collateral information. Generating credit data based on data to be processed in an intermediate table includes: generating collateral information based on loan account information. That is, collateral information can be obtained from loan account information, wherein the collateral information includes existing collateral information, effective collateral information, expired collateral information, and changed collateral information.

[0083] In this embodiment of the invention, the credit data includes loan account information. The credit data is generated based on the data to be processed in the intermediate table, including: generating loan account information based on loan billing information, loan repayment history information, and loan change transaction information. The loan account information includes existing loan account information, newly opened loan account information, monthly settlement loan account information, closed loan account information, and loan account information for repaying overdue payments, etc.

[0084] In embodiments of the present invention, such as Figure 3 As shown, the preprocessing of credit data includes:

[0085] Step S301: Obtain the credit verification rules and use the credit verification rules to verify the credit data;

[0086] Step S302: If the verification result indicates that the verification is normal, the credit data is encrypted and compressed.

[0087] In this embodiment of the invention, credit verification rules are configured before preprocessing the credit data. During credit data preprocessing, the credit verification rules are obtained, and the credit data is verified. The credit verification rules are configured according to the requirements of the credit reporting system for credit data, and may include format verification of the credit data. After the credit data passes verification, the credit data is encrypted and compressed to obtain a credit reporting file. The credit reporting file can be an ENC (an .enc file) file, which is then submitted to the credit reporting system to obtain a credit report.

[0088] In this embodiment of the invention, after verifying the credit data using credit verification rules, the process includes: generating error information when the verification result indicates an anomaly. That is, when verification fails, error information is generated. The business system can obtain the error information through an anomaly query interface, and the error information can also be sent to the business system for credit data processing based on the error information.

[0089] The credit data processing method of this invention, after receiving a data processing request from a business system, obtains a credit template and credit processing rules corresponding to the business system; obtains source data from a source data table according to the credit template; processes the source data according to the credit processing rules to obtain credit data; and after preprocessing the credit data, generates a credit reporting file to be submitted to the credit system. By configuring credit reporting templates and processing rules, the system can meet the needs of business systems and credit reporting systems, shortening the development cycle and offering good versatility and scalability. The system improves data collection efficiency by using timed sharding processing to collect source data, thereby enhancing credit data processing efficiency. Credit processing rules are customizable and controllable; adjustments to these rules allow for reprocessing to obtain new credit data. Custom SQL statements enable flexible configuration of source data collection. Integrated credit verification functionality validates credit data before submission to the credit reporting system, allowing for timely rectification of data issues and improving data processing efficiency and the accuracy of submitted credit data. This method, based on Java, implements a configurable credit reporting template and customizable credit processing rule approach, suitable for interfacing with different business systems and credit reporting systems. It enables unified processing of credit data across different business systems, improving processing efficiency and reducing development costs.

[0090] According to another aspect of the embodiments of the present invention, such as Figure 4 As shown, a credit data processing apparatus 400 is provided, comprising:

[0091] The first acquisition module 401, in response to receiving a data processing request from the business system, acquires the credit reporting template and credit reporting processing rules corresponding to the business system;

[0092] The second acquisition module 402 acquires source data from the source data table based on the credit report template;

[0093] Processing module 403 processes the source data according to credit processing rules to obtain credit data;

[0094] The preprocessing module 404 preprocesses the credit data to generate credit files for submission.

[0095] In this embodiment of the invention, the first acquisition module 401 is further configured to: before acquiring the credit template and credit processing rules corresponding to the business system information, configure the credit template and credit processing rules corresponding to the business system.

[0096] In this embodiment of the invention, the second acquisition module 402 is further configured to: periodically collect source data from the source data table using a sharding processing method based on the credit reporting template.

[0097] In this embodiment of the invention, the credit reporting template indicates the fields in the source data table; the second acquisition module 402 is further used to: acquire the SQL statement for collecting source data; verify the SQL statement, and if the verification result indicates that the verification is successful, query the fields in the source data table according to the SQL statement.

[0098] In this embodiment of the invention, the processing module 403 is further configured to: process source data according to credit processing rules, obtain data to be processed, and process the data to be processed to an intermediate table;

[0099] Credit data is obtained from the data to be processed in the intermediate table.

[0100] In this embodiment of the invention, the data to be processed includes loan account information, loan bill information, loan repayment record information, and loan change transaction information.

[0101] In this embodiment of the invention, the credit data includes basic personal information, and the processing module 403 is further used to generate basic personal information based on loan account information.

[0102] In this embodiment of the invention, the credit data includes collateral information, and the processing module 403 is further used to generate collateral information based on the loan account information.

[0103] In this embodiment of the invention, the credit data includes loan account information, and the processing module 403 is further used to generate loan account information based on loan bill information, loan repayment flow information and loan change transaction information.

[0104] In this embodiment of the invention, the collateral information includes existing collateral information, effective collateral information, expired collateral information, and changed collateral information.

[0105] In this embodiment of the invention, the preprocessing module 404 is further configured to: obtain credit verification rules, verify credit data using the credit verification rules, and encrypt and compress the credit data if the verification result indicates that the verification is normal.

[0106] In this embodiment of the invention, the preprocessing module 404 is further configured to: after verifying the credit data using credit verification rules, generate error information if the verification result indicates an abnormality.

[0107] According to another aspect of the present invention, an electronic device is provided, comprising: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the credit data processing method provided by the present invention.

[0108] According to another aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements the credit data processing method provided by the present invention.

[0109] According to another aspect of the present invention, a computer program product is provided, including a computer program that, when executed by a processor, implements the credit data processing method provided by the present invention.

[0110] Figure 5 An exemplary system architecture 500 is shown for a method or apparatus for credit data processing to which embodiments of the present invention can be applied.

[0111] like Figure 5 As shown, system architecture 500 may include terminal devices 501, 502, and 503, a network 504, and a server 505. Network 504 serves as the medium for providing communication links between terminal devices 501, 502, and 503 and server 505. Network 504 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0112] Users can use terminal devices 501, 502, and 503 to interact with server 505 via network 504 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 501, 502, and 503, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0113] Terminal devices 501, 502, and 503 can be various electronic devices with displays that support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0114] Server 505 can be a server that provides various services, such as a backend management server that supports shopping websites browsed by users using terminal devices 501, 502, and 503 (for example only). The backend management server can analyze and process data such as received intermediate table query requests, and feed back the processing results (e.g., intermediate tables - for example only) to the terminal devices.

[0115] It should be noted that the credit data processing method provided in the embodiments of the present invention is generally executed by server 505, and correspondingly, the credit data processing device is generally located in server 505.

[0116] It should be understood that Figure 5 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0117] The following is for reference. Figure 6 It shows a schematic diagram of the structure of a computer system 600 suitable for implementing a terminal device of the present invention. Figure 6 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0118] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 602 or programs loaded from storage section 608 into random access memory (RAM) 603. The RAM 603 also stores various programs and data required for the operation of the system 600. The CPU 601, ROM 602, and RAM 603 are interconnected via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0119] The following components are connected to I / O interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 610 as needed so that computer programs read from it can be installed into storage section 608 as needed.

[0120] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 609, and / or installed from removable medium 611. When the computer program is executed by central processing unit (CPU) 601, it performs the functions defined above in the system of this invention.

[0121] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0122] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0123] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor; for example, a processor can be described as including an acquisition module, a processing module, and a preprocessing module. The names of these modules do not necessarily limit the module itself; for example, the second acquisition module can also be described as "a module that acquires source data from a source data table based on credit data."

[0124] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs, which, when executed by the device, cause the device to: in response to receiving a data processing request from a business system, obtain a credit reporting template and credit reporting processing rules corresponding to the business system; obtain source data from a source data table according to the credit reporting template; process the source data according to the credit reporting processing rules to obtain credit reporting data; and preprocess the credit reporting data to generate a credit reporting file.

[0125] According to the technical solution of the present invention, the credit data processing method, after receiving a data processing request from a business system, obtains a credit template and credit processing rules corresponding to the business system; obtains source data from a source data table according to the credit template, then processes the source data according to the credit processing rules to obtain credit data; after preprocessing the credit data, generates a credit reporting file to be submitted to the credit system. By configuring credit reporting templates and processing rules, the system can meet the needs of business systems and credit reporting systems, shortening the development cycle and offering good versatility and scalability. The system improves data collection efficiency by using timed sharding processing to collect source data, thereby enhancing credit data processing efficiency. Credit processing rules are customizable and controllable; adjustments to these rules allow for reprocessing to obtain new credit data. Custom SQL statements enable flexible configuration of source data collection. Integrated credit verification functionality validates credit data before submission to the credit reporting system, allowing for timely rectification of data issues and improving data processing efficiency and the accuracy of submitted credit data. This method, based on Java, implements a configurable credit reporting template and customizable credit processing rule approach, suitable for interfacing with different business systems and credit reporting systems. It enables unified processing of credit data across different business systems, improving processing efficiency and reducing development costs.

[0126] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method of credit data processing, characterized by, Comprise: In response to receiving a data processing request of a business system, obtaining corresponding business system information; and then obtaining a credit investigation template and a credit investigation processing rule corresponding to the business system; wherein the business system information comprises a business system identifier and source database information corresponding to the business system, the source database is a database for reporting credit investigation data, and the source database information comprises a source database identifier and a source data table in the source database; before obtaining source data from the source data table according to the credit investigation template, the credit investigation template is obtained first, the corresponding credit investigation template is obtained according to the business system information, and the corresponding source database is obtained, and then the source data is obtained from the source data table in the source database corresponding to the business system according to the credit investigation template; The credit investigation template comprises template information and template details, the template information is a template identifier, and the template details comprise fields in the source data table, the fields indicating the identifier of the source data table; When obtaining source data from the source data table according to the credit investigation template, a credit investigation template acquisition interface is called to obtain the credit investigation template, and then source data in the source data table is collected regularly, and the source data is verified by using the credit investigation template; wherein the verification can be data format verification, and after the verification passes, the source data is filled into the credit investigation template to obtain a collection result table; According to the credit investigation template, the source data is obtained from the source data table, comprising: obtaining a SQL statement for collecting the source data; verifying the SQL statement, and querying the fields in the source data table according to the SQL statement in the case that the verification result indicates that the verification passes; According to the credit investigation processing rule, the source data is processed to obtain credit investigation data; comprising: first, the source data is processed by using the credit investigation processing rule to process the obtained data to be processed to an intermediate table, the intermediate table comprises preset report fields, and the credit investigation processing rule indicates the credit investigation processing logic corresponding to each preset report field; by processing the source data according to the credit investigation processing logic of each preset report field, the field value corresponding to each preset report field can be obtained, so that the data to be processed is obtained, the data to be processed comprises the preset report fields and the corresponding field values; then, the data to be processed is filled into the corresponding preset report fields in the intermediate table; wherein the credit investigation processing rule comprises one or more credit investigation processing logics of fixed value, simple splicing, direct extraction, simple conversion, complex calculation and non-reporting, and also supports variable, expression mode expansion and self-defined credit investigation processing logic; The credit investigation data is preprocessed to generate a credit investigation report file.

2. The method of claim 1, wherein, Before obtaining the credit investigation template and the credit investigation processing rule corresponding to the business system information, comprising: The credit investigation template and the credit investigation processing rule corresponding to the business system are configured.

3. The method of claim 1, wherein, According to the credit investigation template, the source data is obtained from the source data table, comprising: According to the credit investigation template, the source data is collected from the source data table by using a sharding processing mode.

4. The method of claim 1, wherein, The data to be processed comprises loan sub-account information, loan bill information, loan repayment flow information and loan change transaction information.

5. The method of claim 4, wherein, The credit investigation data includes personal basic information, and the credit investigation data is generated according to the to-be-processed data in the intermediate table, and includes: The personal basic information is generated according to the loan sub-account information.

6. The method of claim 4, wherein, The credit investigation data includes mortgage information, and the credit investigation data is generated according to the to-be-processed data in the intermediate table, and includes: The mortgage information is generated according to the loan sub-account information.

7. The method of claim 4, wherein, The credit investigation data includes loan account information, and the credit investigation data is generated according to the to-be-processed data in the intermediate table, and includes: The loan account information is generated according to the loan bill information, loan repayment flow information and loan change transaction information.

8. The method of claim 6, wherein, The mortgage information includes inventory mortgage information, effective mortgage information, invalid mortgage information and changed mortgage information.

9. The method of claim 1, wherein, The credit investigation data is preprocessed, including: Obtaining a credit investigation checking rule, and checking the credit investigation data by using the credit investigation checking rule; In the case that the checking result indicates that the checking is normal, the credit investigation data is encrypted and compressed.

10. The method of claim 9, wherein, After the credit investigation data is checked by using the credit investigation checking rule, including: In the case that the checking result indicates that the checking is abnormal, error information is generated.

11. An apparatus for credit data processing, the apparatus comprising: Including: The first obtaining module obtains the corresponding business system information in response to receiving the data processing request of the business system, and then obtains the credit investigation template and the credit investigation processing rule corresponding to the business system; wherein the business system information includes the business system identifier and the source database information corresponding to the business system, the source database is a database used for reporting credit investigation data, and the source database information includes the source database identifier; the source database includes a source data table; before obtaining the source data from the source data table according to the credit investigation template, the credit investigation template is obtained first, the corresponding credit investigation template is obtained according to the business system information, and the corresponding source database is obtained at the same time, and then the source data is obtained from the source data table in the source database corresponding to the business system according to the credit investigation template; The second obtaining module obtains the source data from the source data table according to the credit investigation template; the credit investigation template includes template information and template details, the template information is a template identifier, and the template details include fields in the source data table, the fields indicate the identifier of the source data table; when the source data is obtained from the source data table according to the credit investigation template, the credit investigation template obtaining interface is called to obtain the credit investigation template, then the source data in the source data table is collected regularly, and the credit investigation template is used to check the source data; wherein the checking can be data format checking, and after the checking is passed, the source data is filled into the credit investigation template to obtain a collection result table; the source data is obtained from the source data table according to the credit investigation template, including: obtaining a SQL statement for collecting the source data; checking the SQL statement, and in the case that the checking result indicates that the checking is passed, querying the fields in the source data table according to the SQL statement; The processing module processes the source data according to the credit investigation processing rule to obtain credit investigation data; including: first, using the credit investigation processing rule to process the source data, to process the obtained to-be-processed data to an intermediate table, the intermediate table including preset report fields, the credit investigation processing rule indicating the credit investigation processing logic corresponding to each preset report field; by processing the source data according to the credit investigation processing logic of each preset report field, the field value corresponding to each preset report field can be obtained, thereby obtaining the to-be-processed data, the to-be-processed data including the preset report fields and the corresponding field values; then, filling the to-be-processed data into the corresponding preset report fields in the intermediate table; wherein, the credit investigation processing rule includes one or more of the credit investigation processing logic of fixed value, simple splicing, direct extraction, simple conversion, complex calculation, and no submission, and also supports variable, expression mode expansion, and self-defined credit investigation processing logic; The preprocessing module pre-processes the credit investigation data to generate a credit investigation file for submission.

12. The apparatus of claim 11, wherein, The first obtaining module is further configured to: before obtaining the credit investigation template and the credit investigation processing rule corresponding to the business system, configure the credit investigation template and the credit investigation processing rule corresponding to the business system.

13. The apparatus of claim 11, wherein, The second obtaining module is further configured to: According to the credit investigation template, collect the source data from the source data table in a fragmentation processing mode.

14. The apparatus of claim 11, wherein, The credit investigation template indicates the fields in the source data table; the second obtaining module is further configured to: Obtain a SQL statement for collecting the source data; Verify the SQL statement, and when the verification result indicates that the verification is passed, query the fields in the source data table according to the SQL statement.

15. An electronic device, comprising: Including: One or more processors; 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 of any one of claims 1-10.

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

17. A computer program product comprising a computer program, characterized in that, The computer program is executed by the processor to implement the method of any one of claims 1-10.

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