Dynamic authorization management method and system based on bank ecological scene business

Abstract

The invention discloses a bank ecological scene business-based dynamic authorization management method, which comprises the following steps of: setting a span duration threshold value, dividing the span duration threshold value into a plurality of evaluation cycles at equal intervals, and numbering each evaluation cycle; obtaining a credit score of the user in each evaluation period in a historical span duration threshold, and calculating a historical credit degree of the user; industry information of a user is obtained, an income index of the user is calculated, and a user income curve is established; selecting a reference user consistent with the user industry, establishing an industry income curve, and calculating a market condition difference value; if the historical credit degree of the user is greater than or equal to 1 and the market information difference value is less than or equal to 0, calculating a credit index of the user; setting a credit index threshold value, and setting an authority level; each service type corresponds to one permission level, the permission level of the user is divided according to the credit index of the user, the access permission of the user is adjusted in real time according to the actual credit condition of the user, and the security and flexibility of authorization are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of dynamic authorization management, and in particular to a dynamic authorization management method and system based on banking ecological scenario services. Background Art

[0002] Banking ecological scenario business refers to the network of interactions and dependencies between banking business and its surrounding environment, which is reflected in the interaction between banks and individual users, enterprises, financial markets, technology suppliers, etc., to jointly build a financial ecosystem; for individual users, the user's credit needs to be considered when applying for credit cards, loan approvals, debit card approvals, credit ratings and personal pledges.

[0003] Dynamic authorization management is a security mechanism used to grant or revoke user access rights to resources in real time and dynamically. Banks need to conduct continuous risk assessments on user behavior, credit records, and transaction backgrounds. For example, when user behavior becomes abnormal or credit risk increases, dynamic authorization management can instantly adjust the user's transaction permissions or service scope, thereby effectively preventing the occurrence of risk events.

[0004] In the prior art, banks often first evaluate the credit of users to determine their credit ratings, and then set corresponding authority levels based on their credit ratings, with different authority levels covering different business scopes. Banks also adjust their corresponding authority levels in real time based on changes in their credit ratings. This method is used to achieve dynamic authorization management of banking services. However, users' income and repayment capacity are often affected by the macroeconomic environment and the industry in which they operate. For example, during economic booms, employment opportunities are plentiful, incomes are stable, and users' credit status is generally good. During economic recessions, unemployment rates rise, incomes decrease, and default rates and credit risks increase. Therefore, credit assessment should be a comprehensive and dynamic process that not only considers current income and repayment capacity, but also comprehensively considers users' credit history and the macroeconomic environment to avoid unfairness and misjudgment of user credit due to short-term economic fluctuations, thereby affecting users' authority levels. Summary of the invention

[0005] The purpose of the present invention is to provide a dynamic authorization management method and system based on banking ecological scenario business to solve the above technical problems.

[0006] The purpose of the present invention can be achieved by the following technical solutions:

[0007] The dynamic authorization management method based on the banking ecological scenario business includes the following steps:

[0008] Step S1: setting a span duration threshold, dividing the span duration threshold into a number of evaluation periods at equal intervals, and numbering each evaluation period;

[0009] Step S2: Obtain the user's credit score for each evaluation period within the historical span time threshold Among them I i is the i-th credit indicator, w i is the scoring weight of the i-th credit indicator, and n is the total number of credit indicators;

[0010] Get the user's historical credit Where CS′ is the preset standard credit score, CS e is the credit score of the e-th evaluation cycle, and m is the total number of evaluation cycles;

[0011] Step S3: Obtain the user's industry and the industry's standard income Inc', and obtain the user's income index Dex = Inc / Inc', where Inc is the user's actual income; obtain the user's income index for each evaluation period within the historical span time threshold, and establish the user income curve f(x), where x is the number of the evaluation period;

[0012] Select all reference users who are in the same industry as the user, obtain the income index of the reference users in each evaluation period within the historical span time threshold, and establish the industry income curve g(x); then get the market difference Where MC′ is the preset difference threshold, f′(e) is the derivative value of the user income curve when x=e, and g′(e) is the derivative value of the industry income curve when x=e;

[0013] Step S4: If HC≥1 and D≤0, the user's credit index CI is obtained:

[0014]

[0015] Where λ is the preset correction coefficient and λ>0, CS k is the credit score of the user in the kth evaluation cycle, CS0 is the credit score of the reference user in the evaluation cycle, and CS 0k is the credit score of the reference user in the kth evaluation cycle;

[0016] Step S5: setting a number of credit index thresholds, and obtaining a number of authority levels according to the credit index thresholds; obtaining all business types, corresponding each business type to an authority level, and dividing the user's authority level according to the user's credit index.

[0017] As a further solution of the present invention: the process of dividing the span duration threshold includes:

[0018] A time interval threshold T is set, and the setting range of the time interval threshold T is [1month, 3months]; within the span duration threshold, a node is selected every time interval threshold to obtain a plurality of nodes, and an evaluation cycle is formed by every two adjacent nodes to obtain a plurality of evaluation cycles.

[0019] As a further solution of the present invention: the credit indicators include repayment history, debt amount, credit history length, credit account combination and new account status; the scoring weights of the credit indicators are 35%, 30%, 15%, 10% and 10% respectively.

[0020] As a further solution of the present invention: the setting range of the standard credit score is [600, 800].

[0021] As a further solution of the present invention: the process of establishing the industry income curve includes:

[0022] Get the income index of all reference users in the evaluation period {Dec1, Dec1, ..., Dec num}, where Dec1 is the income index of the first reference user in the evaluation period, and num is the total number of reference users; the average income index of the reference users in the evaluation period is An industry revenue curve is established based on the number of each evaluation cycle and the average revenue index of reference users in each evaluation cycle.

[0023] As a further solution of the present invention: in step S4, if HC < 1 or D > 0 exists, the credit index of the user is obtained.

[0024] As a further solution of the present invention: the process of dividing the user's authority level includes:

[0025] Obtain the set number N of the credit index thresholds, obtain the credit indexes of all users, and obtain an index set; obtain the credit index mean CI according to the index set ave , and obtain the standard deviation σ of the index set;

[0026] When N is an even number, select the N / 2th credit index threshold CI N / 2 ′, and set CI N / 2 ′=CI ave ; If j < N / 2, then the jth credit index threshold If j>N / 2, then the jth credit index threshold

[0027] When N is an odd number, select (N+1) / 2 credit index thresholds CI (N+1) / 2 ′, and set CI(N+1) / 2 ′=CI ave ; If j < (N+1) / 2, then the jth credit index threshold If j>(N+1) / 2, then the jth credit index threshold

[0028]

[0029] As a further solution of the present invention: a dynamic authorization management system based on banking ecological scenario business includes:

[0030] Preprocessing module: setting a span duration threshold, dividing the span duration threshold into a number of evaluation periods at equal intervals, and numbering each evaluation period;

[0031] Historical credit analysis module: obtain the user's credit score for each evaluation period within the historical span time threshold Among them I i is the i-th credit indicator, w i is the scoring weight of the i-th credit indicator, and n is the total number of credit indicators;

[0032] Get the user's historical credit Where CS′ is the preset standard credit score, CS e is the credit score of the e-th evaluation cycle, and m is the total number of evaluation cycles;

[0033] Market analysis module: obtain the user's industry and the industry's standard income Inc', and obtain the user's income index Dex = Inc / Inc', where Inc is the user's actual income; obtain the user's income index for each evaluation period within the historical span time threshold, and establish the user income curve f(x), where x is the number of the evaluation period;

[0034] Select all reference users who are in the same industry as the user, obtain the income index of the reference users in each evaluation period within the historical span time threshold, and establish the industry income curve g(x); then get the market difference Where MC′ is the preset difference threshold, f′(e) is the derivative value of the user income curve when x=e, and g′(e) is the derivative value of the industry income curve when x=e;

[0035] Credit index determination module: If HC≥1 and D≤0, the user's credit index CI is obtained:

[0036]

[0037] Where λ is the preset correction coefficient and λ>0, CS kis the credit score of the user in the kth evaluation cycle, CS0 is the credit score of the reference user in the evaluation cycle, and CS 0k is the credit score of the reference user in the kth evaluation cycle;

[0038] Authorization module: set several credit index thresholds, and obtain several authority levels according to the credit index thresholds; obtain all business types, correspond each business type to an authority level, and divide the user's authority level according to the user's credit index.

[0039] As a further solution of the present invention: a computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, it implements any of the methods described above.

[0040] As a further solution of the present invention: a server comprises a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements any of the methods listed above when executing the computer program.

[0041] Beneficial effects of the present invention:

[0042] In the prior art, banks often first evaluate the credit of users to determine their credit ratings, and then set corresponding authority levels based on their credit ratings, with different authority levels covering different business scopes. Banks also adjust their corresponding authority levels in real time based on changes in their credit ratings. This method is used to achieve dynamic authorization management of banking services. However, users' income and repayment capacity are often affected by the macroeconomic environment and the industry in which they operate. For example, during economic booms, employment opportunities are plentiful, incomes are stable, and users' credit status is generally good. During economic recessions, unemployment rates rise, incomes decrease, and default rates and credit risks increase. Therefore, credit assessment should be a comprehensive and dynamic process that not only considers current income and repayment capacity, but also comprehensively considers users' credit history and the macroeconomic environment to avoid unfairness and misjudgment of user credit due to short-term economic fluctuations, thereby affecting users' authority levels.

[0043] Compared with the prior art, the present invention evaluates the user's credit status more comprehensively by considering the user's historical credit rating and income index; the historical credit rating reflects the long-term trend and stability of the user's credit score, while the income index provides an instant snapshot of the user's economic status; the industry income curve is introduced to compare the user's income performance with other users in the same industry, which helps to understand the user's economic status in the industry, thereby providing a more accurate credit assessment; the user's authority level is dynamically adjusted by calculating the credit index and setting different thresholds; this method can adjust the user's access rights in real time according to the user's actual credit situation, increasing the security and flexibility of authorization; due to the division of assessment cycles and the regular updating of the credit index, the present invention can quickly adapt to market and economic changes and maintain the timeliness and accuracy of credit assessment. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] The present invention will be further described below in conjunction with the accompanying drawings.

[0045] Figure 1 It is a structural diagram of the dynamic authorization management method and system based on the banking ecological scenario business of the present invention. DETAILED DESCRIPTION

[0046] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0047] See also Figure 1 As shown, the present invention is a dynamic authorization management method based on banking ecological scenario business, comprising the following steps:

[0048] Step S1: setting a span duration threshold, dividing the span duration threshold into a number of evaluation periods at equal intervals, and numbering each evaluation period;

[0049] It is understandable that the span time threshold is generally set to be greater than or equal to 6 months, which helps to detect occasional credit fluctuations and provide a more stable credit score;

[0050] As a preferred embodiment of the present invention, the process of dividing the span duration threshold includes:

[0051] A time interval threshold T is set, and the setting range of the time interval threshold T is [1month, 3months]; within the span duration threshold, a node is selected every time interval threshold, and a plurality of nodes are obtained, and each two adjacent nodes constitute an evaluation cycle, and a plurality of evaluation cycles are obtained;

[0052] It can be understood that the time interval threshold represents the frequency of evaluation within the span duration threshold; within the preset span duration threshold, according to the set time interval threshold T, a node is selected every time interval T; for example, if the span duration is one year, and the time interval threshold T is set to 2 months, then a node will be selected in February, April, June, August, October and December respectively, and the evaluation cycle will be (February, April), (April, June), (June, August), (August, October) (October, December);

[0053] Step S2: Obtain the user's credit score for each evaluation period within the historical span time threshold Among them I i is the i-th credit indicator, w i is the scoring weight of the i-th credit indicator, and n is the total number of credit indicators;

[0054] Get the user's historical credit Where CS′ is the preset standard credit score, CS e is the credit score of the e-th evaluation cycle, and m is the total number of evaluation cycles;

[0055] It is understandable that the credit score takes into account the different degrees of influence of different credit indicators on the total credit score, and reflects this difference by assigning different weights; the historical credit rating determines the credit status of the user within the span time threshold by analyzing the changes in the user's credit score in different evaluation cycles relative to a standard credit score;

[0056] As a preferred embodiment of the present invention, the credit indicators include repayment history, debt amount, credit history length, credit account combination and new account status; the scoring weights of the credit indicators are 35%, 30%, 15%, 10% and 10% respectively;

[0057] It should be noted that the credit score described here is based on the FICO model; the repayment history is to examine the record of the borrower's repayment of loans and credit card debts, including overdue situations, overdue amounts and times, etc.; the amount of debt is to assess the borrower's current total debt, including credit card balances, loan balances, etc., as well as the proportion of debt to available credit limit; the length of credit history refers to the opening time of the borrower's credit account and the length of the credit history; the credit account combination is to examine the different types of credit accounts held by the borrower, such as credit cards, mortgages, car loans, etc.; the new account situation is to consider the number of new credit accounts opened by the borrower recently; the credit score ranges from [300, 850], and the higher the score, the lower the credit risk;

[0058] As a preferred embodiment of the present invention, the setting range of the standard credit score is [600, 800];

[0059] It is worth noting that when the credit score is lower than 600, the borrower default rate is higher; when the credit score is higher than 800, the default rate is significantly reduced; therefore, the standard credit score range is set to [600, 800];

[0060] Step S3: Obtain the user's industry and the industry's standard income Inc', and obtain the user's income index Dex = Inc / Inc', where Inc is the user's actual income; obtain the user's income index for each evaluation period within the historical span time threshold, and establish the user income curve f(x), where x is the number of the evaluation period;

[0061] Select all reference users who are in the same industry as the user, obtain the income index of the reference users in each evaluation period within the historical span time threshold, and establish the industry income curve g(x); then get the market difference Where MC′ is the preset difference threshold, f′(e) is the derivative value of the user income curve when x=e, and g′(e) is the derivative value of the industry income curve when x=e;

[0062] It should be noted that the standard income is generally the average income of all users in the industry, or the median income; the income index Dex reflects the ratio of user income to the industry standard; since the income of each user is large and uneven, the income index is used instead of the specific value to simplify the value, which is convenient for establishing the industry income curve;

[0063] It can be understood that the industry income curve reflects the market conditions of the industry and is used to show the income change trend of the entire industry; the user income curve is used to reflect the income change trend of the user; by comparing the difference between the income change trend of the user and the income change trend of the entire industry, it is possible to evaluate whether the user's economic situation is affected by the market conditions; the market difference D reflects the consistency between the user's income growth and the industry's income growth; if the D value is small, it indicates that the user's income growth is relatively consistent with the industry average; if the D value is large, it indicates that the user's income growth is significantly different from the industry average;

[0064] As a preferred embodiment of the present invention, the process of establishing the industry income curve includes:

[0065] Get the income index of all reference users in the evaluation period {Dec1, Dec1, ..., Dec num}, where Dec1 is the income index of the first reference user in the evaluation period, and num is the total number of reference users; the average income index of the reference users in the evaluation period is Establish an industry revenue curve based on the number of each evaluation period and the average revenue index of reference users in each evaluation period;

[0066] It can be understood that the average value of the income index of all reference users represents the average income level of all reference users in a specific evaluation period; the number of the evaluation period is used as the horizontal coordinate, and the average income index of the reference users in each evaluation period is used as the vertical coordinate to establish a rectangular coordinate system; the number of each evaluation period and its corresponding income index average are converted into coordinate points of corresponding positions on the rectangular coordinate system, and each coordinate point is connected with a smooth curve to obtain the industry income curve; in addition, the industry income curve is constructed by averaging the income indexes of multiple reference users, which provides a standardized method to compare the average income level of the industry in different periods; this method can reduce the impact of individual user income fluctuations on the analysis results, better reveal the overall economic conditions and income trends of the industry; and serve as an important benchmark to help evaluate whether the user's income level is consistent with the industry standard;

[0067] Step S4: If HC≥1 and D≤0, the user's credit index CI is obtained:

[0068]

[0069] Where λ is the preset correction coefficient and λ>0, CS k is the credit score of the user in the kth evaluation cycle, CS0 is the credit score of the reference user in the evaluation cycle, and CS 0k is the credit score of the reference user in the kth evaluation cycle;

[0070] It is understood that the correction factor λ is used to adjust the scale of the credit index; the calculation of the credit index is intended to measure the credit status of the user, taking into account his / her historical credit performance and income performance relative to industry standards; by comparing the credit score and income index of the user with that of the industry, the credit risk of the user can be more accurately assessed;

[0071] It should be noted that represents the mean of the user’s credit score in the first m-1 evaluation cycles; It represents the difference between the mean credit score of all reference users in the first m-1 evaluation cycles and the mean credit score in the first m evaluation cycles;

[0072] As a preferred embodiment of the present invention, if HC < 1 or D > 0 exists, the credit index of the user is obtained.

[0073] It can be understood that when HC < 1, it means that the user's historical credit is not good; when D > 0, it means that the user's income growth trend has a significant positive deviation compared with the industry; at this time, the user's credit index is equal to his credit score;

[0074] Step S5: setting a number of credit index thresholds, and obtaining a number of authority levels according to the credit index thresholds; obtaining all business types, corresponding each business type to an authority level, and dividing the user's authority level according to the user's credit index;

[0075] As a preferred embodiment of the present invention, the process of dividing the user's authority level includes:

[0076] Obtain the set number N of the credit index thresholds, obtain the credit indexes of all users, and obtain an index set; obtain the credit index mean CI according to the index set ave , and obtain the standard deviation σ of the index set;

[0077] When N is an even number, select the N / 2th credit index threshold CI N / 2 ′, and set CI N / 2 ′=CI ave ; If j < N / 2, then the jth credit index threshold If j>N / 2, then the jth credit index threshold

[0078] When N is an odd number, select (N+1) / 2 credit index thresholds CI (N+1) / 2 ′, and set CI (N+1) / 2 ′=CI ave ; If j < (N+1) / 2, then the jth credit index threshold If j>(N+1) / 2, then the jth credit index threshold

[0079]

[0080] It can be understood that the credit index threshold is used to distinguish different credit levels; every two adjacent credit index thresholds constitute an interval, and each interval corresponds to an authority level; the service type includes all services that can be applied for or used by users; each service type will correspond to an authority level, and different service types may require users to have different credit levels to access or apply; based on the comparison result of the user's credit index with the preset threshold, the user can be divided into the corresponding authority level; and the user's credit index is obtained in real time, and the user's authority level is adjusted in real time according to the credit index.

[0081] The present invention also provides a dynamic authorization management system based on banking ecological scenario services, including:

[0082] Preprocessing module: setting a span duration threshold, dividing the span duration threshold into a number of evaluation periods at equal intervals, and numbering each evaluation period;

[0083] Historical credit analysis module: obtain the user's credit score for each evaluation period within the historical span time threshold Among them I i is the i-th credit indicator, w i is the scoring weight of the i-th credit indicator, and n is the total number of credit indicators;

[0084] Get the user's historical credit Where CS′ is the preset standard credit score, CS e is the credit score of the e-th evaluation cycle, and m is the total number of evaluation cycles;

[0085] Market analysis module: obtain the user's industry and the industry's standard income Inc', and obtain the user's income index Dex = Inc / Inc', where Inc is the user's actual income; obtain the user's income index for each evaluation period within the historical span time threshold, and establish the user income curve f(x), where x is the number of the evaluation period;

[0086] Select all reference users who are in the same industry as the user, obtain the income index of the reference users in each evaluation period within the historical span time threshold, and establish the industry income curve g(x); then get the market difference Where MC′ is the preset difference threshold, f′(e) is the derivative value of the user income curve when x=e, and g′(e) is the derivative value of the industry income curve when x=e;

[0087] Credit index determination module: If HC≥1 and D≤0, the user's credit index CI is obtained:

[0088]

[0089] Where λ is the preset correction coefficient and λ>0, CS k is the credit score of the user in the kth evaluation cycle, CS0 is the credit score of the reference user in the evaluation cycle, and CS 0k is the credit score of the reference user in the kth evaluation cycle;

[0090] Authorization module: set several credit index thresholds, and obtain several authority levels according to the credit index thresholds; obtain all business types, correspond each business type to an authority level, and divide the user's authority level according to the user's credit index.

[0091] The present invention also provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, any of the methods described above is implemented.

[0092] The present invention also provides a server, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements any of the methods listed above when executing the computer program.

[0093] It should be noted that the information interaction, execution process, etc. between the above-mentioned devices / units are based on the same concept as the method embodiment of the present application. Their specific functions and technical effects can be found in the method embodiment part and will not be repeated here.

[0094] Those skilled in the art can clearly understand that, for the convenience and simplicity of description, only the division of the above-mentioned functional elements and circuits is used as an example for illustration. In practical applications, the above-mentioned function allocation can be completed by different functional elements and circuits as needed, that is, the internal structure of the circuit is divided into different functional elements or circuits to complete all or part of the functions described above. The functional elements and circuits in the embodiments can be integrated into a processing element, or each element can exist physically alone, or two or more elements can be integrated into one element. The above-mentioned integrated elements can be implemented in the form of hardware or in the form of software functional elements. In addition, the specific names of the functional elements and circuits are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of this application. The specific working process of the elements and circuits in the above-mentioned system can refer to the corresponding process in the aforementioned method embodiment, which will not be repeated here.

[0095] If the above integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present invention implements all or part of the processes in the above embodiment method, and can also be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium. When the computer program is executed by the processor, the steps of the above method embodiments can be implemented. . Wherein, the computer program includes computer program code, and the computer program code can be in source code form, object code form, executable file or some intermediate form. The computer-readable medium may include: any entity or circuit that can carry the computer program code, recording medium, U disk, mobile hard disk, disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium. It should be noted that the content contained in the computer-readable medium can be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, computer-readable media do not include electric carrier signals and telecommunication signals.

[0096] In the above embodiments, the description of each embodiment has its own emphasis. For parts that are not described or recorded in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0097] Those of ordinary skill in the art will appreciate that the elements and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0098] In the embodiments provided by the present invention, it should be understood that the disclosed circuits / terminal devices and methods can be implemented in other ways. For example, the circuit / terminal device embodiments described above are only schematic. For example, the division of the circuits or components is only a logical function division. There may be other division methods in actual implementation, such as multiple components or circuits can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of circuits or components, which can be electrical, mechanical or other forms.

[0099] The components described as separate components may or may not be physically separated, and the components shown as components may or may not be physical components, that is, they may be located in one place or distributed on multiple network components. Some or all of the components may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0100] The above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the above embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the above embodiments, or replace some of the technical features therein by equivalents. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present application, and should all be included in the protection scope of the present application.

Claims

1. A dynamic authorization management method based on banking ecological scenario business, characterized in that: The following steps are involved: Step S1: setting a span duration threshold, dividing the span duration threshold into a number of evaluation periods at equal intervals, and numbering each evaluation period; Step S2: Obtain the user's credit score for each evaluation period within the historical span time threshold Among them I i is the i-th credit indicator, w i is the scoring weight of the i-th credit indicator, and n is the total number of credit indicators; Get the user's historical credit Where CS′ is the preset standard credit score, CS e is the credit score of the e-th evaluation cycle, and m is the total number of evaluation cycles; Step S3: Obtain the user's industry and the industry's standard income Inc', and obtain the user's income index Dex = Inc / Inc', where Inc is the user's actual income; obtain the user's income index for each evaluation period within the historical span time threshold, and establish the user income curve f(x), where x is the number of the evaluation period; Select all reference users who are in the same industry as the user, obtain the income index of the reference users in each evaluation period within the historical span time threshold, and establish the industry income curve g(x); then get the market difference Where MC′ is the preset difference threshold, f′(e) is the derivative value of the user income curve when x=e, and g′(e) is the derivative value of the industry income curve when x=e; Step S4: If HC≥1 and D≤0, the user's credit index CI is obtained: Where λ is the preset correction coefficient and λ>0, CS k is the credit score of the user in the kth evaluation cycle, CS0 is the credit score of the reference user in the evaluation cycle, and CS 0k is the credit score of the reference user in the kth evaluation cycle; Step S5: setting a number of credit index thresholds, and obtaining a number of authority levels according to the credit index thresholds; obtaining all business types, corresponding each business type to an authority level, and dividing the user's authority level according to the user's credit index.

2. The dynamic authorization management method based on banking ecological scenario business according to claim 1 is characterized in that: In step S1, the process of dividing the span duration threshold includes: A time interval threshold T is set, and the setting range of the time interval threshold T is [1month, 3months]; within the span duration threshold, a node is selected every time interval threshold to obtain a plurality of nodes, and an evaluation cycle is formed by every two adjacent nodes to obtain a plurality of evaluation cycles.

3. The dynamic authorization management method based on banking ecological scenario business according to claim 1 is characterized in that: In step S2, the credit indicators include repayment history, debt amount, credit history length, credit account combination and new account status; the scoring weights of the credit indicators are 35%, 30%, 15%, 10% and 10% respectively.

4. The dynamic authorization management method based on banking ecological scenario business according to claim 1 is characterized in that: In step S2, the setting range of the standard credit score is [600, 800].

5. The dynamic authorization management method based on banking ecological scenario business according to claim 1 is characterized in that: In step S3, the process of establishing the industry income curve includes: Get the income index of all reference users in the evaluation period {Dec1, Dec1, ..., Dec num }, where Dec1 is the income index of the first reference user in the evaluation period, and num is the total number of reference users; the average income index of the reference users in the evaluation period is An industry revenue curve is established based on the number of each evaluation cycle and the average revenue index of reference users in each evaluation cycle.

6. The dynamic authorization management method based on banking ecological scenario business according to claim 1 is characterized in that: In step S4, if HC < 1 or D > 0, the user's credit index is obtained.

7. The dynamic authorization management method based on banking ecological scenario business according to claim 1 is characterized in that: In step S5, the process of dividing the user's authority level includes: Obtain the set number N of the credit index thresholds, obtain the credit indexes of all users, and obtain an index set; obtain the credit index mean CI according to the index set ave , and obtain the standard deviation σ of the index set; When N is an even number, select the N / 2th credit index threshold CI N / 2 ′, and set CI N / 2 ′=CI ave ; If j < N / 2, then the jth credit index threshold If j>N / 2, then the jth credit index threshold When N is an odd number, select (N+1) / 2 credit index thresholds CI (N+1) / 2 ′, and set CI (N+1) / 2 ′=CI ave ; If j < (N+1) / 2, then the jth credit index threshold If j>(N+1) / 2, then the jth credit index threshold 8. A dynamic authorization management system based on banking ecological scenario business, characterized by: include: Preprocessing module: setting a span duration threshold, dividing the span duration threshold into a number of evaluation periods at equal intervals, and numbering each evaluation period; Historical credit analysis module: obtain the user's credit score for each evaluation period within the historical span time threshold Among them I i is the i-th credit indicator, w i is the scoring weight of the i-th credit indicator, and n is the total number of credit indicators; Get the user's historical credit Where CS′ is the preset standard credit score, CS e is the credit score of the e-th evaluation cycle, and m is the total number of evaluation cycles; Market analysis module: obtain the user's industry and the industry's standard income Inc', and obtain the user's income index Dex = Inc / Inc', where Inc is the user's actual income; obtain the user's income index for each evaluation period within the historical span time threshold, and establish the user income curve f(x), where x is the number of the evaluation period; Select all reference users who are in the same industry as the user, obtain the income index of the reference users in each evaluation period within the historical span time threshold, and establish the industry income curve g(x); then get the market difference Where MC′ is the preset difference threshold, f′(e) is the derivative value of the user income curve when x=e, and g′(e) is the derivative value of the industry income curve when x=e; Credit index determination module: If HC≥1 and D≤0, the user's credit index CI is obtained: Where λ is the preset correction coefficient and λ>0, CS k is the credit score of the user in the kth evaluation cycle, CS0 is the credit score of the reference user in the evaluation cycle, and CS 0k is the credit score of the reference user in the kth evaluation cycle; Authorization module: set several credit index thresholds, and obtain several authority levels according to the credit index thresholds; obtain all business types, correspond each business type to an authority level, and divide the user's authority level according to the user's credit index.

9. A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the method according to any one of claims 1 to 7.

10. A server comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

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