Risk control information determination method and device

Abstract

The invention discloses a risk control information determination method and device, and relates to the technical field of computers. A specific embodiment of the method comprises the following steps: receiving risk control report information for a target customer; generating early warning information of the target customer according to the risk control report information; calling each control node in a risk control flow, and carrying out information processing on the early warning information; and generating risk control information of the target customer according to the information processing result corresponding to each control node. According to the embodiment, sources of customer risk control information can be increased, and enterprise operation risks are reduced.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a method and device for determining risk control information. Background Art

[0002] Enterprises usually obtain risk control information of customers through CRM (Customer Relationship Management) to help enterprises make operational decisions. Customer risk control information in CRM generally comes from public information on the Internet, visit records during system operation, contracts and other related data. The source of customer risk control information in CRM is single, which cannot fully reflect the real situation of customers and increase the operational risks of enterprises. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a method and device for determining risk control information, which can increase the sources of customer risk control information and reduce enterprise operation risks.

[0004] In a first aspect, an embodiment of the present invention provides a method for determining risk control information, including:

[0005] Receive risk control reporting information for target customers;

[0006] Generate early warning information of the target customer according to the risk control reporting information;

[0007] Calling each control node in the risk control flow to process the warning information;

[0008] The risk control information of the target customer is generated according to the information processing results corresponding to each of the control nodes.

[0009] Optionally, the receiving of risk control reporting information for a target customer includes:

[0010] The receiving terminal sends scanned code information for a target waybill, where the target waybill comes from the target customer;

[0011] Determine the waybill identifier corresponding to the target waybill according to the scanned code information;

[0012] Determine the customer information corresponding to the waybill identifier, and return the customer information to the terminal so as to display the customer information on an interface of the terminal;

[0013] Receive risk control reporting information sent by the terminal with respect to the customer information.

[0014] Optionally, generating early warning information of the target customer according to the risk control reporting information includes:

[0015] Determine the reporting type corresponding to the risk control reporting information;

[0016] According to the processing rules, determine the processing method information matching the report type;

[0017] The risk control reporting information is processed according to the processing method information to generate the warning information.

[0018] Optionally, after generating the warning information of the target customer according to the risk control reporting information, the method further includes:

[0019] Determining whether the warning information meets the warning condition;

[0020] In response to the warning information satisfying the warning condition, executing each control node in the calling risk control flow to perform information processing on the warning information.

[0021] Optionally, the calling of each control node in the risk control flow to perform information processing on the warning information includes:

[0022] Sending the warning information to each of the control nodes in the risk control flow, and receiving the evaluation score returned by each of the control nodes;

[0023] A weighted statistical value is obtained according to the weight coefficient and the evaluation score corresponding to each of the control nodes, and the weighted statistical value is determined as the risk control score of the early warning information.

[0024] Optionally, generating the risk control information of the target customer according to the information processing results corresponding to each of the control nodes includes:

[0025] Determining whether the risk control score is greater than a risk threshold;

[0026] In response to whether the risk control score is greater than the risk threshold, risk control information of the target customer is generated, and the risk control information includes: the warning information and the risk control score.

[0027] Optionally, after determining the risk control information of the target customer according to the information processing results corresponding to each of the control nodes, the method further includes:

[0028] Receiving a service request from the target customer and obtaining service information corresponding to the service request;

[0029] Determining risk control strategy information corresponding to the business request according to the business information and the risk control information of the target customer;

[0030] Perform risk control processing on the business request according to the risk control strategy information.

[0031] In a second aspect, an embodiment of the present invention provides a device for determining risk control information, including:

[0032] An information receiving module is used to receive risk control reporting information for target customers;

[0033] An information generation module, used to generate early warning information of the target customer according to the risk control reporting information;

[0034] An information processing module, used to call each control node in the risk control flow to process the warning information;

[0035] The risk control module is used to generate the risk control information of the target customer according to the information processing results corresponding to each of the control nodes.

[0036] In a third aspect, an embodiment of the present invention provides an electronic device, including:

[0037] one or more processors;

[0038] a storage device for storing one or more programs,

[0039] When the one or more programs are executed by the one or more processors, the one or more processors implement the method described in any of the above embodiments.

[0040] In a fourth aspect, an embodiment of the present invention provides a computer-readable medium having a computer program stored thereon, wherein the program, when executed by a processor, implements the method described in any of the above embodiments.

[0041] An embodiment of the above invention has the following advantages or beneficial effects: receiving risk control reporting information for target customers and generating early warning information corresponding to the risk control reporting information. Then calling each control node in the risk control flow to process the early warning information and generate the risk control information of the target customer. The risk control reporting information can come from express delivery personnel, sales personnel and other personnel who have contact with the target customer, so that the risk control information can reflect the real situation of the customer in a timely and comprehensive manner. In addition, by calling each control node in the risk control flow and processing the early warning information, the final risk control information can be made more objective and accurate, thereby reducing the operational risks of the enterprise.

[0042] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific implementation examples. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0044] Figure 1is a schematic diagram of a process of a method for determining risk control information provided by an embodiment of the present invention;

[0045] Figure 2 is a schematic diagram of a process of a method for determining risk control information provided by another embodiment of the present invention;

[0046] Figure 3 is a schematic diagram of a process of a method for determining risk control information provided by another embodiment of the present invention;

[0047] Figure 4 is a schematic diagram of a process of a method for determining risk control information provided by yet another embodiment of the present invention;

[0048] Figure 5 is a schematic diagram of the structure of a device for determining risk control information provided by an embodiment of the present invention;

[0049] Figure 6 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0050] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0051] It should be noted that the acquisition, storage, use, and processing of data in the technical solutions of the embodiments of the present invention are in compliance with the relevant provisions of national laws and regulations.

[0052] Figure 1 FIG. 1 is a schematic diagram of a process of a method for determining risk control information provided by an embodiment of the present invention. Figure 1 As shown, the method includes:

[0053] Step 101: Receive risk control reporting information for target customers.

[0054] Target customers are those who receive services. For example, in the field of logistics, target customers are companies or individuals that provide logistics services. Risk control reporting information can come from express delivery personnel, sales personnel, and other staff who have contact with target customers, or from other personnel who understand the status of target customers. Risk control reporting information may include: reporting type, detailed description, etc. Reporting types may include: risky customers, fake customers, etc. Detailed description is mainly used to describe the non-compliant behavior of customers.

[0055] Step 102: Generate early warning information for target customers based on risk control reporting information.

[0056] The risk control warning engine is called to determine the reporting type corresponding to the risk control reporting information, and the processing method information matching the reporting type is determined according to the processing rules; the risk control reporting information is processed according to the processing method information to generate warning information. The processing method information may include: processing model, rule definition parameters, execution frequency, timing cycle, etc.

[0057] The warning information may include: customer risk level, risk category, various indicator values, model files for modeling historical customer data, etc. Input the characteristic information of the target customer into the processing model, and determine the warning information of the target customer based on the output of the processing model. The processing model can be constructed using a fitting model. The characteristic information of the target customer can be extracted from the risk control reporting information and customer information of the target customer. The rule definition parameters include: parameters involved in the processing model, warning days, etc. The warning days are used to represent the number of days for warning after receiving the risk control reporting information.

[0058] Different processing information can be set for each report type in the system, and the mapping relationship between the report type and the processing information can be saved in the type configuration information. By searching the type configuration information, the processing information corresponding to the risk control report information can be determined, and the warning information corresponding to the risk control report information can be generated.

[0059] Step 103: Call each control node in the risk control flow to process the warning information.

[0060] Each control node in the risk control flow can be set according to specific needs. The control nodes may correspond to: intelligent systems, sales personnel, customer service personnel and other relevant staff. The warning information of the target customer is input into the intelligent system. An evaluation model is deployed in the intelligent system. Through the evaluation model, the evaluation result information corresponding to the intelligent system is obtained. The warning information of the target customer is sent to the sales personnel, customer service personnel and other staff corresponding to the control nodes respectively, and the evaluation result information returned by the staff corresponding to each control node is received. The evaluation result information can have multiple performance levels, such as risk control scores, risk levels, etc. The risk levels can include: ignore, slight, general, severe, etc.

[0061] In one embodiment of the present invention, after generating warning information of the target customer based on the risk control reporting information, it also includes: determining whether the warning information meets the warning conditions; in response to the warning information meeting the warning conditions, executing the step of calling each control node in the risk control flow to process the warning information.

[0062] Warning conditions can be set according to specific needs. Warning conditions can be that the customer risk level is greater than the level threshold, the risk category in the warning information is a preset category, etc. If the warning information meets the warning conditions, the control nodes in the risk control flow are called to perform subsequent processing on the warning information. If the warning information does not meet the warning conditions, the risk control reporting information is ignored to reduce unnecessary resource consumption of the system and improve system operation and maintenance efficiency.

[0063] Step 104: Generate risk control information of the target customer based on the information processing results corresponding to each control node.

[0064] Risk control information may include: customer risk level, risk category, various indicator values, evaluation result information corresponding to each control node, modeling model files for historical customer data, etc. Whether to generate risk control information for the target customer can be determined based on the information processing result information corresponding to each control node.

[0065] For example, when the information processing result information corresponding to each control node meets the generation conditions, the risk control information of the target customer is generated. When the information processing result information corresponding to each control node meets the generation conditions, no subsequent processing is performed. The generation conditions may be: the risk level in the information processing results corresponding to each control node is serious, the evaluation value of the risk control score in the information processing results corresponding to each control node is greater than the preset score, etc. By setting the generation conditions, it is possible to better control what kind of risk control information is stored, and avoid storing a large amount of useless risk control information in the system.

[0066] In an embodiment of the present invention, risk control reporting information for a target customer is received, and warning information corresponding to the risk control reporting information is generated. Then, each control node in the risk control flow is called to process the warning information and generate risk control information for the target customer. The risk control reporting information may come from express delivery personnel, sales personnel, and other personnel who are in contact with the target customer, so that the risk control information can reflect the real situation of the customer in a timely and comprehensive manner. In addition, by calling each control node in the risk control flow and processing the warning information, the final risk control information can be made more objective and accurate, thereby reducing the operational risk of the enterprise.

[0067] In one embodiment of the present invention, after determining the risk control information of the target customer based on the information processing results corresponding to each control node, it also includes: receiving a business request for the target customer, and obtaining business information corresponding to the business request; determining the risk control strategy information corresponding to the business request based on the business information and the risk control information of the target customer; and performing risk control processing on the business request based on the risk control strategy information.

[0068] The customer's risk control information is used as valuable data and pushed to downstream systems. If the customer is renewing a new contract in a contract application, a business request can be generated and the customer's risk control information can be used as a basis to prompt relevant personnel to carefully verify the customer's risk situation.

[0069] A business request may be a service request, a contract signing request, a contract renewal request, etc. The business information corresponding to the business request may include: business type, customer information, request information, etc. Risk control strategy information may be used to indicate whether a business request has passed risk control verification, whether a business request has failed risk control verification, transaction amount or quantity adjustment information, etc.

[0070] According to the customer information in the business request, the target customer corresponding to the business request is determined, and the risk control information of the target customer is obtained. The business type, request information and risk control information of the target customer corresponding to the business request are input into the risk control model, and the risk control strategy information corresponding to the business request is determined according to the output of the risk control model, and the business request is subjected to risk control. The business type, request information and risk control information of the target customer corresponding to the business request can also be sent to relevant personnel, and the review information returned by the relevant personnel is received, and the business request is subjected to risk control according to the review information.

[0071] The following introduces a method for generating customer risk control information based on risk control reporting information sent by express delivery personnel in the logistics field. Figure 2 FIG. 1 is a schematic diagram of a process of a method for determining risk control information provided by another embodiment of the present invention. Figure 2 As shown, the method includes:

[0072] Step 201: receiving the scan code information sent by the terminal for the target waybill, where the target waybill comes from the target customer.

[0073] When sending or receiving bills to customers, express delivery personnel can report customers' violations through the manual reporting window of the PDA (Personal Digital Assistant) they use daily. Express delivery personnel only need to scan the barcode on the waybill through the PDA and send the scan information to the server.

[0074] Step 202: Determine the waybill ID corresponding to the target waybill based on the scanned code information.

[0075] Step 203: Determine the customer information corresponding to the waybill identifier, and return the customer information to the terminal so as to display the customer information on the terminal interface.

[0076] The server determines the waybill ID corresponding to the target waybill based on the scanned code information, and then determines the customer information corresponding to the waybill ID. The customer information can be some non-sensitive information related to the customer, such as the customer's unified code, etc. The customer information is returned to the PDA, and the customer information can be displayed on the PDA interface. The courier delivery personnel can select the reporting type of the customer in the reporting interface of the PDA, and enter the detailed description of the customer to report the risk control information.

[0077] Step 204: receiving risk control reporting information sent by the terminal in response to customer information.

[0078] Step 205: Generate early warning information for target customers based on the risk control reporting information.

[0079] Step 206: Call each control node in the risk control flow to process the warning information.

[0080] Step 207: Generate risk control information of the target customer according to the information processing results corresponding to each control node.

[0081] Express delivery personnel have direct contact with customers and can provide real customer information. In an embodiment of the present invention, express delivery personnel submit risk control reporting information to the risk control warning engine. The risk control warning engine determines the warning information corresponding to the risk control reporting information, and when the warning information meets the warning conditions, the warning information is processed by the risk control verification engine to determine that the information processing result meets the generation conditions. If the generation conditions are not met, the warning information is only archived and no subsequent operations are performed. If the generation conditions are met, the warning information will be further processed.

[0082] Figure 3 FIG. 1 is a schematic diagram of a process of a method for determining risk control information provided by another embodiment of the present invention. Figure 3 As shown, the method includes:

[0083] Step 301: Receive risk control reporting information for target customers.

[0084] Step 302: Generate early warning information for target customers based on risk control reporting information.

[0085] Step 303: Call each control node in the risk control flow to process the warning information.

[0086] Step 304: Send the warning information to each control node in the risk control flow, and receive the evaluation score returned by each control node.

[0087] The evaluation score is used to characterize the risk level corresponding to the early warning information. Generally, the larger the evaluation score, the higher the risk level corresponding to the early warning information. The evaluation score can be based on a five-point system, a ten-point system, or a hundred-point system.

[0088] Step 305: Obtain a weighted statistical value according to the weight coefficient and evaluation score corresponding to each control node, and determine the weighted statistical value as the risk control score of the warning information.

[0089] Each control node in the risk control flow can be set according to specific needs. The control node may correspond to: intelligent system, sales personnel, customer service personnel and other relevant staff. Customer service personnel are personnel who discover the client and promote the conclusion of the business contract. Different weight coefficients can be set for each control node. According to the weight coefficients and evaluation scores corresponding to each control node, a weighted statistical value is obtained. The weighted statistical value can be a weighted sum or a weighted average, etc.

[0090] Step 306: Determine whether the risk control score is greater than the risk threshold.

[0091] Step 307: In response to whether the risk control score is greater than the risk threshold, risk control information of the target customer is generated, and the risk control information includes: warning information and risk control score.

[0092] If the risk control score is greater than the risk threshold, the target customer's risk control information is generated, including: warning information and risk control score. If the risk control score is not greater than the risk threshold, no subsequent processing is performed.

[0093] In the embodiment of the present invention, early warning information of the target customer is generated according to the risk control reporting information. If the early warning information is directly stored, it is easy to cause the problem of misjudgment. The solution of the embodiment of the present invention, by calling each control node in the risk control flow, performs post-processing on the early warning information, so that the final risk control information can be more accurate.

[0094] The embodiment of the present invention further provides a risk control system, which may include: a data access layer, a data execution layer, a risk control warning engine, a business application layer, an external service layer, and a risk control verification engine.

[0095] The data access layer is responsible for reporting information in various formats through gateway permission card control and external network access permission credentials.

[0096] The data execution layer parses and deconstructs the reported information to obtain risk control reporting information.

[0097] The risk control early warning engine generates early warning information and automatically checks whether the early warning information meets the early warning conditions. Save rule metadata. Rule metadata includes: processing model, rule definition parameters, execution frequency, timing cycle, system parameters involved in the system operation process, weight coefficients of each control node, divided areas, sales personnel in the area, customer service personnel in the area, etc. By setting rule metadata and controlling the generation of early warning information, it can meet the timely changes of complex needs, and can be completed online without restarting the application. The separation of business logic and data is more targeted, and the matching mode can be customized, scalable, and changeable.

[0098] The business application layer allows staff to perform single or multiple verifications on customer data, which is a combination of manual and automatic methods. By entering single or multiple customer information, it is possible to verify whether the customer has risks, determine the risk level and risk category, and other information.

[0099] The external service layer can output risk control data as needed, and can perform operations such as local storage and remote storage of risk control data. Based on streaming data, risk control data can be directly applied to downstream systems or links in real time.

[0100] Figure 4 FIG. 1 is a schematic diagram of a process of a method for determining risk control information provided by another embodiment of the present invention. Figure 4 As shown, the risk control verification engine receives the risk control reporting information and generates a violation confirmation letter based on the risk control reporting information. The confirmation letter includes: customer information, warning information, and reporting personnel information, etc.

[0101] Three control nodes are set up, corresponding to the intelligent system, sales personnel, and customer service personnel, respectively, and different weight coefficients are set for each control node. The generated violation confirmation letter is sent to the above three control nodes.

[0102] It should be noted that the role corresponding to the control node, the number of control nodes, and the weight coefficient of the control node can all be flexibly set according to business requirements.

[0103] The three control nodes above score the warning information respectively and calculate the weighted statistical value, which can be a weighted average, a weighted sum, etc. The weighted statistical value is used as the risk control score of the warning information. Determine whether the risk control score reaches the risk threshold preset by the system. If the risk control score reaches the risk threshold preset by the system, the risk control information corresponding to the warning information is generated, and the risk control information is in effect. Otherwise, the warning information is treated as invalid.

[0104] In the risk control system provided by the embodiment of the present invention, the source of reliable data is expanded for the source of customer risk. In the process of processing the risk control report information, a risk control warning engine and a risk control verification engine are established, which can make a more accurate judgment on the risk control report information. In addition, a violation confirmation letter containing warning information is generated based on the risk control report information, and the violation confirmation letter is sent to different control nodes. The comprehensive scores of each control node can determine the customer's risk control information more objectively and accurately.

[0105] Figure 5 FIG. 1 is a schematic diagram of a device for determining risk control information provided by an embodiment of the present invention. Figure 5 As shown, the device comprises:

[0106] Information receiving module 501, used to receive risk control reporting information for target customers;

[0107] Information generation module 502, used to generate warning information of target customers according to the risk control reporting information;

[0108] The information processing module 503 is used to call each control node in the risk control flow to process the warning information;

[0109] The risk control module 504 is used to generate risk control information of the target customer according to the information processing results corresponding to each control node.

[0110] Optionally, the information receiving module 501 is specifically used for:

[0111] The receiving terminal sends the scanned code information for the target waybill, which comes from the target customer;

[0112] Determine the waybill ID corresponding to the target waybill based on the scanned code information;

[0113] Determine the customer information corresponding to the waybill identifier, and return the customer information to the terminal so as to display the customer information on the terminal interface;

[0114] The receiving terminal sends risk control reporting information based on customer information.

[0115] Optionally, the information generating module 502 is specifically used for:

[0116] Determine the reporting type corresponding to the risk control reporting information;

[0117] According to the processing rules, determine the processing method information that matches the report type;

[0118] According to the processing method information, the risk control reporting information is processed to generate early warning information.

[0119] Optionally, the information processing module 503 is further used to:

[0120] Determine whether the warning information meets the warning conditions;

[0121] In response to the early warning information satisfying the early warning condition, the step of calling each control node in the risk control flow to process the early warning information is executed.

[0122] Optionally, the information processing module 503 is specifically used for:

[0123] Send warning information to each control node in the risk control flow, and receive the evaluation score returned by each control node;

[0124] According to the weight coefficient and evaluation score corresponding to each control node, a weighted statistical value is obtained, and the weighted statistical value is determined as the risk control score of the early warning information.

[0125] Optionally, the risk control module 504 is specifically used to:

[0126] Determine whether the risk control score is greater than the risk threshold;

[0127] In response to whether the risk control score is greater than the risk threshold, risk control information of the target customer is generated, and the risk control information includes: warning information and risk control score.

[0128] Optionally, the risk control module 504 is further used to:

[0129] Receive business requests from target customers and obtain business information corresponding to the business requests;

[0130] Determine the risk control strategy information corresponding to the business request based on the business information and the risk control information of the target customer;

[0131] Perform risk control on business requests based on risk control strategy information.

[0132] An embodiment of the present invention provides an electronic device, including:

[0133] one or more processors;

[0134] a storage device for storing one or more programs,

[0135] When one or more programs are executed by one or more processors, the one or more processors implement the method of any of the above embodiments.

[0136] Reference below Figure 6 , which shows a schematic diagram of the structure of a computer system 600 of a terminal device suitable for implementing an embodiment of the present invention. Figure 6 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0137] like Figure 6As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 into a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0138] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, 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, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed into the storage section 608 as needed.

[0139] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 609, and / or installed from the removable medium 611. When the computer program is executed by the central processing unit (CPU) 601, the above-mentioned functions defined in the system of the present invention are executed.

[0140] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0141] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0142] The modules involved in the embodiments of the present invention may be implemented by software or hardware. The modules described may also be set in a processor, for example, they may be described as: an information receiving module, an information generating module, an information processing module, and a risk control module. The names of these modules do not, in some cases, constitute limitations on the modules themselves. For example, the information receiving module may also be described as a "module for receiving risk control reporting information for target customers."

[0143] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0144] Receive risk control reporting information for target customers;

[0145] Generate early warning information of the target customer according to the risk control reporting information;

[0146] Calling each control node in the risk control flow to process the warning information;

[0147] The risk control information of the target customer is generated according to the information processing results corresponding to each of the control nodes.

[0148] According to the technical solution of the embodiment of the present invention, the risk control reporting information for the target customer is received, and the warning information corresponding to the risk control reporting information is generated. Then, each control node in the risk control flow is called to process the warning information and generate the risk control information of the target customer. The risk control reporting information can come from express delivery personnel, sales personnel and other personnel who have contact with the target customer, so that the risk control information can reflect the real situation of the customer in a timely and comprehensive manner. In addition, by calling each control node in the risk control flow and processing the warning information, the final risk control information can be made more objective and accurate, thereby reducing the operational risks of the enterprise.

[0149] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for determining risk control information, characterized in that: include: Receive risk control reporting information for target customers; Generate early warning information of the target customer according to the risk control reporting information; Calling each control node in the risk control flow to process the warning information; The risk control information of the target customer is generated according to the information processing results corresponding to each of the control nodes.

2. The method according to claim 1, characterized in that The receiving of risk control reporting information for target customers includes: The receiving terminal sends scanned code information for a target waybill, where the target waybill comes from the target customer; Determine the waybill identifier corresponding to the target waybill according to the scanned code information; Determine the customer information corresponding to the waybill identifier, and return the customer information to the terminal so as to display the customer information on an interface of the terminal; Receive risk control reporting information sent by the terminal with respect to the customer information.

3. The method according to claim 1, characterized in that Generating the warning information of the target customer according to the risk control reporting information includes: Determine the reporting type corresponding to the risk control reporting information; According to the processing rules, determine the processing method information matching the report type; The risk control reporting information is processed according to the processing method information to generate the warning information.

4. The method according to claim 1, characterized in that: After generating the warning information of the target customer according to the risk control reporting information, the method further includes: Determining whether the warning information meets the warning condition; In response to the warning information satisfying the warning condition, executing each control node in the calling risk control flow to perform information processing on the warning information.

5. The method according to claim 1, characterized in that The calling of each control node in the risk control flow to process the warning information includes: Sending the warning information to each of the control nodes in the risk control flow, and receiving the evaluation score returned by each of the control nodes; A weighted statistical value is obtained according to the weight coefficient and the evaluation score corresponding to each of the control nodes, and the weighted statistical value is determined as the risk control score of the early warning information.

6. The method according to claim 5, characterized in that Generating the risk control information of the target customer according to the information processing results corresponding to each of the control nodes includes: Determining whether the risk control score is greater than a risk threshold; In response to whether the risk control score is greater than the risk threshold, risk control information of the target customer is generated, and the risk control information includes: the warning information and the risk control score.

7. The method according to claim 1, characterized in that After determining the risk control information of the target customer according to the information processing results corresponding to each of the control nodes, the method further includes: Receiving a service request from the target customer and obtaining service information corresponding to the service request; Determining risk control strategy information corresponding to the business request according to the business information and the risk control information of the target customer; Perform risk control processing on the business request according to the risk control strategy information.

8. A device for determining risk control information, characterized in that: include: An information receiving module is used to receive risk control reporting information for target customers; An information generation module, used to generate early warning information of the target customer according to the risk control reporting information; An information processing module, used to call each control node in the risk control flow to process the warning information; The risk control module is used to generate the risk control information of the target customer according to the information processing results corresponding to each of the control nodes.

9. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7.

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

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