Credit data processing method and device

Abstract

The embodiment of the invention provides a credit data processing method and device.The credit data processing method comprises the steps that when an access request for credit data is received, firstly, record query is conducted in an access record table stored in a cache according to query parameters contained in the credit access request, and if an access record is queried, the credit data is processed; if yes, comparing the version identification of the credit rule in the access record with the updated version identification stored in the credit database, if the comparison result is that the version identification is inconsistent with the updated version identification, reading a credit rule updating record corresponding to the updated version identification from the credit database, and extracting an updated credit rule from the updating record; and performing incremental calculation of credit processing on the incremental credit data according to the updated credit rule to obtain target credit data, and returning the target credit data to a request initiator of the credit access request to realize access of the credit data.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a method and device for processing credit data. Background Art

[0002] With the continuous development of financial services and the continuous improvement of users' living standards, credit assessment technology has begun to be widely used. In addition, with the continuous updating of Internet technology, online financial service platforms have grown rapidly, and more and more users tend to use online platforms to complete payment, investment and other transaction activities, which further promotes the advancement of credit assessment technology. However, with the continuous changes in technical means, how to efficiently and accurately process and update massive credit data while reducing server resource consumption and improving the efficiency of processing and updating credit data has become a focus of increasing attention from all parties. Summary of the invention

[0003] One or more embodiments of the present specification provide a method for processing credit data, the method comprising: performing a record query in an access record table stored in a cache according to a query parameter of a credit access request. Comparing the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database. If the comparison result is inconsistent, reading the credit rule update record corresponding to the updated version identifier from the credit database, and extracting the updated credit rule from the updated record. Performing incremental calculation of credit processing on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain the target credit data.

[0004] One or more embodiments of the present specification provide a device for processing credit data, the device comprising: a query module, configured to perform a record query in an access record table stored in a cache according to a query parameter of a credit access request. A comparison module, configured to compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database. A rule extraction module, configured to read the credit rule update record corresponding to the updated version identifier from the credit database and extract the updated credit rule from the updated record if the comparison result is inconsistent. A calculation module, configured to perform incremental calculation of credit processing on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain target credit data.

[0005] One or more embodiments of the present specification provide a credit data processing device, including: a processor; and a memory configured to store computer-executable instructions, wherein the processor executes the computer-executable instructions to implement the following process: perform a record query in an access record table stored in a cache according to the query parameters of a credit access request. Compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database. If the comparison result is inconsistent, read the credit rule update record corresponding to the updated version identifier from the credit database, and extract the updated credit rule from the updated record. Perform incremental calculation of credit processing on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain the target credit data.

[0006] One or more embodiments of the present specification provide a computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed: perform a record query in the access record table stored in the cache according to the query parameters of the credit access request. Compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database. If the comparison result is inconsistent, read the credit rule update record corresponding to the updated version identifier from the credit database, and extract the updated credit rule from the updated record. Perform incremental calculation of credit processing on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain the target credit data. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor. Figure 1 A schematic diagram of an implementation environment of a credit data processing method provided in one or more embodiments of this specification; Figure 2 A processing flow chart of a credit data processing method provided in one or more embodiments of this specification; Figure 3 A processing flow chart of a method for processing credit data applied to a credit report query scenario provided by one or more embodiments of this specification; Figure 4 A schematic diagram of an embodiment of a credit data processing device provided for one or more embodiments of this specification; Figure 5A schematic diagram of the structure of a credit data processing device provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0008] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0009] The credit data processing method provided in one or more embodiments of this embodiment can be applied to the implementation scenario of credit report query. Figure 1 The implementation environment at least includes a server 101, which can be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform; the server 101 is used to interact with a user terminal 102, receive a credit access request sent by the user terminal 102, and send a credit-related report generated based on the queried credit data to the user terminal 102; the server 101 also interacts with a credit reporting agency database 103, sends the credit access request submitted by the user terminal 102 to the credit reporting agency database 103, and obtains a credit report identifier returned by the credit reporting agency database 103 based on the identity identifier in the access request.

[0010] The implementation environment may also include a user terminal 102, which may be a device such as a smart phone, a tablet computer, a self-service terminal, etc. that can initiate a credit report access request; the user terminal 102 is configured with an application and / or a client in the application that makes a credit report access request, and after detecting a user's trigger action for a credit score access page, sends a credit access request to the server 101, and receives and displays a credit report generated based on the queried credit data and returned by the server 101.

[0011] The implementation environment may also include a credit reporting agency database 103. After receiving the credit access request submitted by the server 101, the credit reporting agency database 103 returns the queried credit report identifier to the server 101 based on the identity identifier in the access request.

[0012] In this implementation environment, during the credit data query process, the user terminal 102 sends a credit access request to the server 101 after detecting the user's trigger action on the credit report access page. The server 101 receives the access request, obtains the corresponding user account identifier and query number based on the identity identifier contained in the access request, and forwards the access request to the credit reporting agency database 103. After the server 101 obtains the credit report identifier returned by the credit reporting agency database 103 based on the access request, it combines the obtained user account identifier, query number and credit report identifier into corresponding query parameters. The server 101 first searches the cache based on the query parameters. The server 101 checks whether there is a corresponding access record. If so, extracts the version identifier of the credit rule in the access record, and compares the version identifier with the updated version identifier stored in the credit database. If the version identifiers are inconsistent, the server 101 reads the credit rule record from the credit database, extracts the updated credit rule from the credit rule record, performs incremental calculation on the incremental credit data according to the updated credit rule to obtain the target credit data, that is, the current credit score of the user, and returns the credit report generated based on the target credit data as the request result. By performing incremental calculation only on the incremental credit data, the calculation of irrelevant data is avoided, thereby reducing resource consumption and improving overall processing efficiency.

[0013] One or more embodiments of a credit data processing method provided in this embodiment are as follows: Reference Figure 2 The credit data processing method provided in this embodiment specifically includes steps S202 to S208.

[0014] Step S202: perform a record query in the access record table stored in the cache according to the query parameters of the credit access request.

[0015] In actual applications, in order to understand the credit status and obtain a credit report for evaluating the credit status, the user can submit a credit report access request on the credit report query page of the user terminal. Accordingly, after obtaining the credit access request submitted by the user, a record query can be performed in the access record table stored in the cache based on the query parameters of the credit access request. That is, in this process, the user can access credit data or query the credit report by submitting a credit access request. For example, when applying for installment payments for shopping, the user can query the credit report by submitting a credit access request to evaluate the possibility of obtaining a higher loan amount.

[0016] In this embodiment, the query parameter refers to the query input during the query process of access records in the cache storage; optionally, the query parameter includes a user account identifier, a credit report identifier and / or a query number.

[0017] Among them, the credit report identifier refers to an identifier used to identify the user's credit report, which can be provided by a credit reporting agency; the query number refers to an information identifier used for query generated based on the identity identifier provided by the user when submitting a credit score report query request.

[0018] Specifically, after the user enters the identity identifier in the user terminal and submits a request to access the credit report, the user's user account identifier is first queried based on the user's identity identifier and a query number is generated for marking this credit score report query request. After submitting the access request to the credit reporting agency, the credit report identifier generated based on the user's identity identifier and returned by the credit reporting agency can be obtained. The corresponding query parameters can be combined according to the obtained user account identifier, query number and credit report identifier.

[0019] In actual applications, during the process of accessing a credit report, each time a credit report access request is submitted, a corresponding access record will be stored in the cache, and several access records of each user will be stored in the form of a data table, which is the access record table.

[0020] In a specific implementation, in order to obtain a credit report, a user may submit an access request for a credit report at a user terminal. In an optional implementation provided by this embodiment, before performing a record query in an access record table stored in a cache according to a query parameter of the credit access request, the following is further included: Extracting the identity identifier from the credit access request; The user account ID and the query number are queried according to the identity ID, and the interface is called to obtain the credit report ID, with the user account ID, the query number and the credit report ID as query parameters.

[0021] During the specific execution process, when the user enters an identity on the credit report query page and submits a credit access request, the credit access request is received and parsed accordingly, the user's identity is extracted from the credit access request, the user's user account identifier is queried based on the extracted identity, and a corresponding query number is generated. At the same time, the extracted user's identity can be used as an interface call parameter to call the interface provided by the credit reporting agency to query the credit report identifier corresponding to the identity identifier, and the obtained user account identifier, query number and credit report identifier are used as query parameters and recorded in the access record table stored in the cache for subsequent query use.

[0022] It should be noted that in addition to determining the query parameters based on the user account identifier, query number and credit report identifier as mentioned above, the query parameters can also be determined by other means. For example, the credit report identifier can be obtained by calling the interface based on the identity identifier in the access request, and the credit report identifier can be used as the query parameter; for another example, the user account identifier and / or query number can be obtained based on the identity identifier, and the obtained user account identifier and / or query number can be used as the query parameter; for another example, the user account identifier or query number can be obtained based on the identity identifier, and the interface can be called to obtain the credit report identifier, and the credit report identifier can be combined with either the user account identifier or the query number to obtain the query parameter.

[0023] In actual applications, there is no clear order of priority between the process of querying the user account identifier and the query number based on the identity identifier, and the process of calling the interface based on the identity identifier to obtain the credit report identifier. You can first execute the process of querying the user account identifier and the query number based on the identity identifier, and then execute the process of calling the interface based on the identity identifier to obtain the credit report identifier; you can first execute the process of calling the interface based on the identity identifier to obtain the credit report identifier, and then execute the process of querying the user account identifier and the query number based on the identity identifier; you can also simultaneously execute the process of querying the user account identifier and the query number based on the identity identifier and the process of calling the interface based on the identity identifier to obtain the credit report identifier.

[0024] In specific implementation, in the process of querying records in the access record table stored in the cache according to the query parameters of the credit access request, in order to ensure the accuracy and efficiency of the credit data query, any two or three combinations of the user account identifier, the query number and the credit report identifier in the query parameters can be performed, and the access records can be queried in the access record table based on the combined parameters obtained by the combination. In an optional implementation manner provided by this embodiment, querying records in the access record table stored in the cache according to the query parameters of the credit access request includes: Combining the user account identifier, the credit report identifier, and the query number to obtain a combination parameter; Use the combined parameter as the query primary key to query access records in the access record table.

[0025] During the specific execution process, after receiving a credit access request sent by a user terminal, the credit access request is parsed, the query parameters in the credit access request are obtained, and the user account identifier, credit report identifier and query number of the user contained in the query parameters are extracted, the user account identifier, credit report identifier and query number are combined to obtain the combined parameters, and the obtained combined parameters are used as the query primary key to query the access record table stored in the cache for access records matching the query primary key.

[0026] For example, after user A enters identity information in the user terminal to submit a credit access request, the user account of user A is found to be 123 based on the identity information of user A. The credit report identifier returned by the credit reporting agency to the user terminal based on the submitted credit access request is xx456. The query number generated based on the credit access request is xx789. The combined parameter generated based on the user account identifier, credit report identifier and query number included in the query parameters can be: 123_xx456_xx789. The combined parameter is used as the query primary key to query access records in the access record table. When the key value written in the query primary key in a certain access record is 123_xx456_xx789, the access record associated with the query primary key is the access record to be queried. The access record of the query; as shown in Table 1, in the access record table, rowkey represents the query primary key, uid, report_id, queryNo represent the user account ID, the credit report ID and the query number respectively, feature1, feature2, ..., featureN represent each credit data, GlobalCalVersion represents the version ID of the credit rule used for credit data processing when obtaining each credit data, when an access record matching the combination parameter 123_xx456_xx789 is queried in the access record table, this access record is the access record to be queried, that is, the relevant information can be read from this access record.

[0027]

[0028] Table 1 It should be noted that, according to the query parameters of the credit access request, a record query is performed in the access record table stored in the cache to obtain the query result. The query result can be the access record matching the query parameters, and the query result can also be empty, that is, no access record matching the query parameters is found in the access record table stored in the cache. The above is an explanation of the process of finding the access record matching the query parameters, and the following is an explanation of the process of finding the query result being empty.

[0029] In specific implementation, during the process of querying records in the access record table stored in the cache according to the query parameters of the credit access request, when no matching access record is found in the access record table stored in the cache, calculation needs to be performed based on the full amount of credit data, that is, full amount calculation of credit processing is performed on the credit data. In another optional implementation manner provided by this embodiment, after querying records in the access record table stored in the cache according to the query parameters of the credit access request, the method further includes: If the query result is empty, the credit data associated with the identity identifier in the credit database is fully calculated based on the updated credit rule to obtain the full credit data and the updated version identifier; The full amount of credit data and the updated version identifier are written into the cache, and the full amount of credit data is returned as the request access result.

[0030] The credit rules refer to the logic and algorithms used to evaluate and calculate user credit scores. These logic and algorithms are usually developed by credit assessment agencies, etc., and are used to assess the user's credit status. Credit rules may include multiple factors, such as repayment history, credit utilization rate, overdue records, salary level, etc.

[0031] The credit data refers to the credit score corresponding to each credit indicator obtained after relevant calculation and evaluation of each credit indicator data based on the credit evaluation standard (i.e., credit rules) to reflect the user's credit level. Among them, the credit indicator can be a risk control indicator, such as identifying and evaluating various potential risks such as credit risk, market risk, operational risk, etc. based on risk control indicators, or a credit reporting indicator, such as evaluating the credit status of an individual or an enterprise based on credit reporting indicators, or a specific risk control and credit reporting indicator that combines risk control indicators and credit reporting indicators.

[0032] The version identifier refers to an identifier used to identify the version of the credit rules for credit data processing. Whenever the credit rules change, a corresponding version identifier will be generated for the changed credit rules. That is, after the credit rules change, the corresponding version identifier will also be incremented to ensure that different versions of the credit rules can be distinguished and managed; for example, the version identifier of the initial version of the credit rules is 0. When the credit rules are updated for the first time, that is, some credit rules are changed based on the initial version of the credit rules, the version identifier of the credit rules will be incremented to 1; and so on, when the credit rules are updated for the second time, the version identifier of the credit rules will be incremented to 2 accordingly to ensure that each update of the credit rules can be uniquely identified.

[0033] In the specific execution process, after obtaining an access request for credit data, the query parameters in the access request are extracted, and a record query is performed in the access record table stored in the cache according to the query parameters. If the query result is empty, that is, no access record matching the query parameters is found in the access record table stored in the cache, the current credit rule (updated credit rule) can be obtained from the credit database, and all credit data associated with the identity identifier contained in the credit access request can be obtained from the credit database. According to the updated credit rule, all the obtained credit data associated with the identity identifier are fully calculated to obtain the full credit data, and the updated version identifier corresponding to the updated credit rule is associated with the calculated full credit data, and the full credit data and the associated updated version identifier are written into the cache, and finally the full credit data written into the cache is returned as the result of the credit access request; by writing the obtained full credit data into the cache, in the subsequent execution process, when the credit access request submitted by the user is received again within a certain period of time, the relevant credit data can be directly read from the cache and returned for the subsequent access request submitted by the user, without the need to perform relevant calculations on the credit data, thereby avoiding unnecessary calculations and data reading operations.

[0034] In addition, in the process of querying records in the access record table stored in the cache according to the query parameters of the credit access request, if the query result is empty, the credit data associated with the identity identifier in the credit database is fully calculated based on the updated credit rules. After obtaining the full credit data and the updated version identifier, the obtained full credit data can be returned as the request access result.

[0035] Step S204: compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database.

[0036] In specific implementation, the access record is queried in the access record table stored in the cache according to the query parameters in the credit access request. If the corresponding access record is queried, the version identifier of the credit rule for credit data processing is read in the access record, and the read version identifier is compared with the updated version identifier stored in the credit database. By comparing whether the version identifier in the access record is consistent with the updated version identifier in the credit database, it is determined whether the credit data stored in the cache is the credit data obtained after credit data processing through the current credit rules, that is, whether the credit data stored in the cache is real-time credit data.

[0037] Specifically, if the comparison result is inconsistent, it indicates that the credit data stored in the cache is not the credit data obtained after credit data processing through the current credit rules (updated credit rules), that is, the credit data stored in the cache is not real-time credit data, and it is necessary to determine the updated credit rules through step S206, and further obtain the real-time credit data based on the updated credit rules; step S206 specifically reads the credit rule update record corresponding to the updated version identifier from the credit database, and extracts the updated credit rule in the update record; If the comparison result is consistent, it means that the credit data stored in the cache at this time is real-time credit data, that is, the credit data obtained after credit data processing based on the updated credit rules. In this case, the following optional implementation method can be used to determine the return result of the credit access request: In an optional implementation manner provided by this embodiment, after comparing the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database, the method further includes: If the comparison result is consistent, the credit data in the access record will be returned as the access request result.

[0038] During the specific execution process, after the access record is queried in the cache storage according to the query parameters, the version identifier of the credit rule recorded in the access record is read, and the read version identifier is compared with the updated version identifier stored in the credit database. If the comparison result is consistent, it means that the version identifier recorded in the access record table stored in the cache is the updated version identifier, that is, the credit data in the queried access record table is also calculated based on the credit rule for credit data processing corresponding to the updated version identifier, that is, the credit rule for credit data processing has not changed, the credit data in the access record table stored in the cache is consistent with the credit data in the credit database, and can reflect the user's current credit status. At this time, the credit data queried in the access record can be returned as the query result of the credit access request, and there is no need to perform relevant calculations on the credit data, thereby avoiding unnecessary calculations and data reading operations, reducing server resource consumption, and improving processing efficiency.

[0039] Step S206: If the comparison result is inconsistent, read the credit rule update record corresponding to the update version identifier from the credit database, and extract the updated credit rule from the update record.

[0040] In specific implementation, after the access record is queried in the cache storage according to the query parameters, the version identifier of the credit rule recorded in the access record is read, and the read version identifier is compared with the updated version identifier stored in the credit database. If the comparison result is inconsistent, that is, the version identifier in the access record table stored in the cache is different from the version identifier stored in the database, it means that the credit rule for credit data processing has been updated, that is, the credit data recorded in the access record table queried at this time is calculated based on historical credit rules, rather than credit data calculated based on updated credit rules. In other words, due to changes in credit rules, the credit data in the cache may be outdated and cannot reflect the user's current credit status, and it is necessary to read the current credit rules for credit data processing from the credit database.

[0041] Specifically, each time the credit rules for credit data processing are changed, a new credit rule version will be generated. Correspondingly, the credit rule version will also be associated with a new credit rule version identifier. The generated new credit rule version and the corresponding version identifier will be recorded in the credit rule update record of the credit database. From the credit rule update record of the database, the credit rule update record corresponding to the updated version identifier can be read, and the current credit rules (updated credit rules) can be extracted based on the credit rule update record.

[0042] For example, the content of the credit rules of the initial version (v0) for scoring the credit indicator of the user's repayment history is: evaluate the user's repayment history within a certain period of time, if there is no overdue, the credit score will increase by 10 points, if there is one overdue, the credit score will be deducted by 5 points, and if there is two or more overdue, the credit score will be deducted by 10 points; if it is decided to update the content of the credit rules of the initial version (v0), the content of the credit rules of the released v1 version is: evaluate the user's repayment history within a certain period of time, if there is no overdue, the credit score will increase by 10 points, if there is one overdue, the credit score will be deducted by 3 points, and if there are two or more overdue, the credit score will be deducted by 10 points; if it is later found that the content changes of the credit rules for version v1 are inappropriate, decide to roll back to the initial version , then the credit rules of version v2 are released. The content of the credit rules of version v2 is: evaluate the repayment history of users within a certain period of time. If there is no overdue, the credit score increases by 10 points. If there is one overdue, the credit score deducts 5 points. If there are two or more overdue, the credit score deducts 10 points. If it is decided to further optimize the credit rules, the credit rules of version v3 are released. The content of the credit rules of version v3 is: evaluate the repayment history of users within a certain period of time. If there is no overdue, the credit score increases by 10 points. If there is one overdue, the credit score deducts 5 points. If there are two or more overdue, the credit score deducts 8 points. Based on the changes in the credit rules during this period, the corresponding credit rule update records for the credit indicators can be generated, as shown in Table 2:

[0043] Table 2 Step S208, performing incremental calculation of credit processing on the incremental credit data corresponding to the update version identifier according to the update credit rule to obtain target credit data.

[0044] The incremental credit data refers to the credit data that is newly added or updated within a specific time range, that is, the credit data that has changed compared to the credit data obtained from the last credit data processing; the incremental calculation refers to the process of processing and calculating only the incremental credit data. Incremental calculation only needs to process the credit data that has changed compared to the credit data obtained from the last credit data processing. While reducing the amount of calculation and improving the processing speed, it ensures the accuracy and timeliness of the credit data.

[0045] In specific implementation, when the version identifier of the credit rule in the access record stored in the cache is inconsistent with the updated version identifier stored in the database, that is, the credit data in the access record stored in the cache is not real-time credit data, here, the incremental calculation of credit processing is performed on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain the target credit data. In order to avoid unnecessary data calculation and improve processing efficiency, the changed credit data (that is, the incremental credit data) can be incrementally calculated to obtain the real-time credit data (target credit data); Specifically, in an optional implementation manner provided by this embodiment, the incremental calculation of credit processing is performed on the incremental credit data corresponding to the update version identifier according to the update credit rule to obtain the target credit data, including: Reading the credit data after the update time of the update version identifier from the credit database as incremental credit data; Incremental calculations are performed on incremental credit data in accordance with updated credit rules, credit ratings are updated based on the incremental calculation results, and the updated credit ratings are used as target credit data.

[0046] During the specific implementation process, in the process of performing incremental calculation on the changed credit data (i.e., incremental credit data), the credit rule update record is first obtained from the credit database, and the credit data after the update time corresponding to the update version identifier is read from the credit rule update record as the incremental credit data. Incremental calculation is performed on the incremental credit data according to the updated credit rule to obtain the incremental calculation result. The credit rating recorded in the credit database is updated according to the incremental calculation result to obtain the latest credit rating, and the credit rating is used as the target credit data. Through the incremental calculation process, not only the changed credit data is updated to ensure the accuracy of the credit data, but also based on incremental calculation, the burden of full calculation is reduced, the resource consumption of the server is reduced, and the response speed and data processing efficiency are improved.

[0047] For example, Table 3 shows the record of changes in the content of the credit rules of a certain credit indicator at various time points; the credit score of user A is calculated based on multiple credit indicators, one of which is the evaluation of repayment history. If the total credit score of user A is X, the number of overdue payments of user A in a certain period of time is counted, and it is determined that user A has 3 overdue payments in this period of time; when user A queries the credit score report at time node a, the credit score obtained by the user for the credit indicator of repayment history evaluation based on the v1 version credit rule of time node a is -10. If the credit rules of other credit indicators have not changed, the credit report finally obtained by the user shows The credit score displayed is X-10; when user A queries the credit score report at time node b, the credit score obtained by the user for the credit indicator evaluated for repayment history based on the v2 version credit rule at time node b is -8. If the credit rules of other credit indicators have not changed, the credit score displayed in the credit report finally obtained by the user is X-8; and so on, when a user obtains a credit score, the changed credit data (i.e., incremental credit data) is first determined based on the update version identifier, and then the incremental credit data is incrementally calculated according to the update version identifier to obtain the incremental calculation result, and finally the user's total credit score is updated based on the incremental calculation result.

[0048]

[0049] Table 3 In specific implementation, in order to ensure that real-time credit data is stored in the credit database, thereby ensuring the consistency of the credit data, after obtaining the target credit data, the target credit data may be sent to the credit database. In an optional implementation provided by this embodiment, after obtaining the target credit data by performing incremental calculation of credit processing on the incremental credit data corresponding to the update version identifier according to the update credit rule, the following is further included: The target credit data is sent to a credit database, and the credit data in the credit database is updated based on the target credit data.

[0050] During the specific implementation process, after the incremental credit data is incrementally calculated according to the updated credit rules to obtain the target credit data, the target credit data is sent to the credit database, and the credit data in the credit database that has expired due to the change of credit rules to updated credit rules is determined. That is, since the credit rules used when obtaining this part of the credit data are no longer the current credit rules, the corresponding part of the credit data can no longer reflect the user's current credit status. This part of the credit data is updated based on the target credit data to ensure the uniformity and accuracy of the data.

[0051] Specifically, in the process of processing credit data, in order to improve query efficiency and response speed and facilitate querying credit data for subsequent access requests, in addition to sending the calculated target credit data to the database, the target credit data and the version identifier corresponding to the target credit data may also be returned to the cache storage. In an optional implementation provided by this embodiment, after the incremental credit data corresponding to the updated version identifier is updated according to the updated credit rule to obtain the target credit data through incremental calculation, the following is further included: The access record is updated according to the update version identifier and the target credit data.

[0052] During the specific implementation process, after the incremental credit data is incrementally calculated according to the updated credit rules to obtain the target credit data, it is necessary not only to send the obtained target credit data to the database to update the credit data in the database, but also to send the target credit data and the updated version identifier to the cache, update the access record stored in the cache based on the updated version identifier, and determine the changed credit data (i.e., expired credit data) obtained by processing the credit data according to the changed credit rules in the access record, and update this part of the credit data based on the target credit data. Based on this, when the same credit access request is received subsequently, the relevant credit data can be read directly from the access record table stored in the cache, which improves the response speed of the request, avoids repeated calculations, improves data processing efficiency, and effectively reduces the consumption of server resources.

[0053] Specifically, after returning the acquired target credit data and the update version identifier to the cache storage, and updating the access record table of the cache storage based on the target credit data and the update version identifier, in an optional implementation manner provided by this embodiment, after performing incremental calculation of credit processing on the incremental credit data corresponding to the update version identifier according to the update credit rule to obtain the target credit data, the method further includes: Generate a report based on the target credit data and the credit information associated with the identity, and return the report as a request access result.

[0054] The credit information includes but is not limited to the user's personal information, the user's credit account information, relevant remarks information, etc.

[0055] During the specific execution process, after the target credit data for credit processing based on the updated credit rules is obtained, the obtained target credit data and the updated version identifier are returned to the cache, and the access record table stored in the cache is updated according to the target credit data and the updated version identifier, a credit report for the user can be generated based on the target credit data recorded in the current cache storage and the relevant credit information read based on the user's identity identifier, and the relevant credit report can be returned as the access result of the credit access request. The content recorded in the generated credit report may include but is not limited to the credit score, credit grade, credit history, etc. generated by the credit assessment of the user's funds flow within the mobile payment application used by the user, as well as the user's personal information, relevant credit account information, etc.

[0056] It should be noted that, in actual applications, in addition to returning the relevant credit report generated by the credit assessment of the user's payment records in the mobile payment application used by the user as the request result of the credit access request, it is also possible to combine the credit report of the user at the credit reporting agency obtained based on the user's authorization, and the relevant report generated by the credit assessment of the payment records generated by the user when using the application, to integrate the generated complete credit report on the user, and return the credit report as the request access result; considering that the user's credit report at the credit reporting agency and related user information belong to the user's privacy to a certain extent, the information and data used are all information and data authorized by the user or fully authorized by all parties.

[0057] In summary, one or more credit data processing methods provided in this embodiment, when receiving a credit access request, first perform a record query in the access record table stored in the cache according to the query parameters contained in the credit access request. If no access record is found, it is necessary to query the credit data in the credit database based on the query parameters, and process the credit data according to the updated credit rule. If an access record is found, the version identifier of the credit rule in the queried access record is compared with the updated version identifier stored in the credit database. When the comparison result is consistent, the credit data in the cache storage is directly returned; when the comparison result is inconsistent, it means that the cache is not updated at this time. The credit data in storage is not the latest credit data and cannot be used to evaluate the user's latest credit status. It needs to be recalculated, that is, the credit rule update record corresponding to the updated version identifier is read from the credit database, and the updated credit rule is extracted from the update record. The incremental credit data corresponding to the updated version identifier is processed according to the updated credit rule to obtain the target credit data, so as to save server resource consumption, and the obtained target credit data and updated version identifier are returned to the credit database and cache, so that the credit data can be returned directly from the cache when a credit access request is received next time, avoiding unnecessary data query and calculation, and further improving data processing efficiency and request response speed.

[0058] The following uses the application of a credit data processing method provided in this embodiment in a credit report query scenario as an example. Figure 3 The credit data processing method provided in this embodiment is further described. The credit data processing method applied to the credit report query scenario specifically includes the following steps.

[0059] Step S302: obtaining an access request for credit data and extracting an identity from the access request.

[0060] Step S304, query the user account identifier and the query number according to the identity identifier, and call the interface to obtain the credit report identifier.

[0061] Step S306, combining the user account identifier, the credit report identifier and the query number in the query parameters to obtain a combined parameter.

[0062] Step S308, using the combined parameter as the query primary key to query whether there is a matching access record in the access record table; if not, executing steps S310 to S316; if so, executing steps S318 and S320.

[0063] Step S310, obtaining updated credit rules from a credit database.

[0064] Step S312, based on the updated credit rule, a full amount of credit processing is performed on the credit data associated with the identity identifier in the credit database to obtain the full amount of credit data and the updated version identifier.

[0065] Step S314, write the full credit data and the updated version identifier into the cache.

[0066] Step S316: Generate and return a credit score report based on the full credit data and the credit information associated with the identity identifier.

[0067] Step S318, comparing the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database.

[0068] Step S320, determine whether the version identifier of the credit rule in the access record is consistent with the updated version identifier stored in the credit database; if so, execute step S322; if not, execute steps S324 to S330.

[0069] Step S322: Return the credit data in the access record as the query result of the access request.

[0070] Step S324, reading the credit rule update record corresponding to the update version identifier from the credit database, and extracting the updated credit rule from the update record.

[0071] Step S326, reading the credit data after the update time of the update version identifier from the credit database as incremental credit data.

[0072] Step S328, perform incremental calculation on the incremental credit data according to the updated credit rules, update the credit rating according to the incremental calculation result, and use the updated credit rating as the target credit data.

[0073] Step S330, generating a report based on the target credit data and the credit information associated with the identity identifier, and returning the report as a result of the access request.

[0074] It should be noted that any one of steps S302 to S330 or any combination of multiple steps can be combined with any one of steps S202 to S208 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or multiple technical features can be selected from steps S302 to S330 and combined with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method; or, any one or multiple technical features in steps S302 to S330 can be replaced with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method according to the needs of actual deployment, which will not be repeated here.

[0075] An embodiment of a credit data processing device provided in this specification is as follows: In the above-mentioned embodiment, a method for processing credit data is provided, and correspondingly, a device for processing credit data is also provided, which will be described below in conjunction with the accompanying drawings.

[0076] Reference Figure 4 , which shows a schematic diagram of an embodiment of a credit data processing device provided in this embodiment.

[0077] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0078] This embodiment provides a credit data processing device, the device comprising: A query module 402, configured to perform a record query in an access record table stored in a cache according to a query parameter of a credit access request; A comparison module 404 is configured to compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database; The rule extraction module 406 is configured to read the credit rule update record corresponding to the update version identifier from the credit database if the comparison result is inconsistent, and extract the updated credit rule from the update record; The calculation module 408 is configured to perform incremental calculation of credit processing on the incremental credit data corresponding to the update version identifier according to the update credit rule to obtain target credit data.

[0079] An embodiment of a credit data processing device provided in this specification is as follows: Corresponding to the credit data processing method described above, based on the same technical concept, one or more embodiments of this specification further provide a credit data processing device, the credit data processing device is used to execute the credit data processing method provided above, Figure 5 A schematic diagram of the structure of a credit data processing device provided for one or more embodiments of this specification.

[0080] This embodiment provides a credit data processing device, including: like Figure 5 As shown, the credit data processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 501 and memory 502, and the memory 502 may store one or more storage applications or data. Among them, the memory 502 may be a short-term storage or a persistent storage. The application stored in the memory 502 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the credit data processing device. Furthermore, the processor 501 may be configured to communicate with the memory 502, and execute a series of computer executable instructions in the memory 502 on the credit data processing device. The credit data processing device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input / output interfaces 505, one or more keyboards 506, etc.

[0081] In a specific embodiment, the credit data processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the credit data processing device, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following: Performing a record query in the access record table stored in the cache according to the query parameters of the credit access request; Compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database; If the comparison result is inconsistent, read the credit rule update record corresponding to the update version identifier from the credit database, and extract the updated credit rule from the update record; According to the update credit rule, the incremental credit data corresponding to the update version identifier is subjected to incremental calculation of credit processing to obtain the target credit data.

[0082] An embodiment of a computer-readable storage medium provided in this specification is as follows: Corresponding to the credit data processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0083] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed: Performing a record query in the access record table stored in the cache according to the query parameters of the credit access request; Compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database; If the comparison result is inconsistent, read the credit rule update record corresponding to the update version identifier from the credit database, and extract the updated credit rule from the update record; According to the update credit rule, the incremental credit data corresponding to the update version identifier is subjected to incremental calculation of credit processing to obtain the target credit data.

[0084] It should be noted that an embodiment of a computer-readable storage medium in this specification and an embodiment of a method for processing credit data in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0085] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referenced to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment, and computer-readable storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant content in the device embodiment, equipment embodiment, and computer-readable storage medium embodiment, please refer to the partial description of the method embodiment.

[0086] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0087] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many of today's method flow improvements can be regarded as direct improvements to hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0088] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0089] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0090] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0091] It should be understood by those skilled in the art that one or more embodiments of the present specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of the present specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present specification may take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0092] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable network live broadcast processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable network live broadcast processing device generate instructions for implementing the processes in the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0093] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable network live broadcast processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0094] These computer program instructions may also be loaded onto a computer or other programmable network live processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0095] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0096] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0097] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0098] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of further restrictions, the elements defined by the sentence "includes at least one ..." do not exclude the presence of other identical elements in the process, method, commodity or device including the elements.

[0099] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0100] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A method for processing credit data, the method comprising: Performing a record query in the access record table stored in the cache according to the query parameters of the credit access request; Compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database; If the comparison result is inconsistent, read the credit rule update record corresponding to the update version identifier from the credit database, and extract the updated credit rule from the update record; According to the update credit rule, the incremental credit data corresponding to the update version identifier is subjected to incremental calculation of credit processing to obtain the target credit data.

2. The credit data processing method according to claim 1, wherein the querying parameters of the credit access request are used to query the access record table stored in the cache, comprising: Combining the user account identifier, the credit report identifier, and the query number to obtain a combination parameter; The access record is queried in the access record table using the combined parameter as a query primary key.

3. The credit data processing method according to claim 1, wherein the step of performing incremental calculation of credit processing on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain the target credit data comprises: Reading the credit data after the update time of the update version identifier from the credit database as the incremental credit data; Incremental calculation is performed on the incremental credit data according to the updated credit rule, the credit rating is updated according to the incremental calculation result, and the updated credit rating is used as the target credit data.

4. The method for processing credit data according to claim 1, after the step of performing incremental calculation of credit processing on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain the target credit data is executed, the method further comprises: The target credit data is sent to the credit database, and the credit data in the credit database is updated based on the target credit data.

5. The method for processing credit data according to claim 1, after the step of performing incremental calculation of credit processing on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain the target credit data is executed, it also includes: The access record is updated according to the update version identifier and the target credit data.

6. The credit data processing method according to claim 1, after the step of performing a record query in the access record table stored in the cache according to the query parameters of the credit access request is performed, it also includes: If the query result is empty, perform full credit processing calculation on the credit data associated with the identity identifier in the credit database based on the updated credit rule to obtain full credit data and the updated version identifier; The full amount of credit data and the updated version identifier are written into the cache, and the full amount of credit data is returned as a request access result.

7. The credit data processing method according to claim 1, before the step of performing a record query in the access record table stored in the cache according to the query parameters of the credit access request, further comprising: Extracting the identity identifier in the credit access request; The user account identifier and the query number are queried according to the identity identifier, and the interface is called to obtain the credit report identifier, and the user account identifier, the query number and the credit report identifier are used as the query parameters.

8. The credit data processing method according to claim 1, after the step of comparing the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database is performed, further comprising: If the comparison result is consistent, the credit data in the access record is returned as the access request result.

9. The method for processing credit data according to claim 1, after the step of performing incremental calculation of credit processing on the incremental credit data corresponding to the updated version identifier according to the updated credit rule to obtain the target credit data is executed, the method further comprises: A report is generated based on the target credit data and the credit information associated with the identity identifier, and the report is returned as a request access result.

10. A credit data processing device, the device comprising: A query module, configured to perform a record query in an access record table stored in a cache according to a query parameter of a credit access request; A comparison module, configured to compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database; A rule extraction module is configured to read the credit rule update record corresponding to the update version identifier from the credit database if the comparison result is inconsistent, and extract the updated credit rule from the update record; The calculation module is configured to perform incremental calculation of credit processing on the incremental credit data corresponding to the update version identifier according to the update credit rule to obtain target credit data.

11. A credit data processing device, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Performing a record query in the access record table stored in the cache according to the query parameters of the credit access request; Compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database; If the comparison result is inconsistent, read the credit rule update record corresponding to the update version identifier from the credit database, and extract the updated credit rule from the update record; According to the update credit rule, the incremental credit data corresponding to the update version identifier is subjected to incremental calculation of credit processing to obtain the target credit data.

12. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the following process when executed: Performing a record query in the access record table stored in the cache according to the query parameters of the credit access request; Compare the version identifier of the credit rule in the queried access record with the updated version identifier stored in the credit database; If the comparison result is inconsistent, read the credit rule update record corresponding to the update version identifier from the credit database, and extract the updated credit rule from the update record; According to the update credit rule, the incremental credit data corresponding to the update version identifier is subjected to incremental calculation of credit processing to obtain the target credit data.

Images