Universal loan batch running method and device, terminal equipment and medium

Abstract

The invention relates to the technical field of data processing, and discloses a universal loan batch sharing method and device, terminal equipment and a medium, and the method comprises the steps: configuring a public batch sharing service which comprises the service information of a plurality of service customer groups; processing the credit chain of all the business customer groups to obtain a combined credit chain comprising a plurality of credit; according to the combined credit chain and the public input item, determining a credit input item of each business customer group; all input items included in the public input items meet batch business of all business customer groups; according to the preset decision set of each business customer group, performing decision processing on the credit-carrying input item of the corresponding business customer group to obtain a decision result of each business customer group; and all decision-making results are successful. According to the method, the maintenance cost is low, and the consumed time is reduced.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a universal loan batching method, apparatus, terminal equipment and medium. Background Art

[0002] At present, the loan batching system mainly includes the following links: batch data laps, credit chain execution, input item assembly, and call decision; through the above links, the risk strategy result is finally obtained. However, the current batch running scenario only supports single-scenario batching. When the same customer needs to run multiple scenarios, it is necessary to repeat the laps, resulting in too much duplicate data; and one scenario needs to be configured with a credit chain. When multiple scenarios need to be batched, a single credit needs to be repeatedly called multiple times, which increases the time consumption; if it is real-time credit, it will also increase the cost of calling credit. Therefore, each scenario of the current loan batching needs to be maintained, resulting in excessive maintenance costs for a set of input items. Summary of the invention

[0003] In view of this, the embodiments of the present application provide a universal loan batch running method, apparatus, terminal equipment and medium, which can effectively solve the problem of excessive maintenance costs in multi-scenario batch running, etc.

[0004] In a first aspect, an embodiment of the present application provides a universal loan batching method, comprising: Configure business information of a public batch business, wherein the business information includes multiple business customer groups; Processing the credit chains of all the business customer groups to obtain a combined credit chain; the credit chain includes multiple credits; Determine the credit input items for each of the business customer groups based on the combined credit chain and the common input items; all the input items included in the common input items satisfy the batch business of all the business customer groups; According to the preset decision set of each business customer group, the credit input items of the corresponding business customer group are processed for decision making to obtain the decision results of each business customer group; until all the decision results are successful.

[0005] In some embodiments, the business information further includes circle number data; the circle number data is the number of batches of business performed by the business customer group; The business customer groups include those who increase or decrease the credit limit, transfer debts, installments, automatic transfer of matured fixed savings and interest settlement.

[0006] In some embodiments, the processing of the credit chains of all the business customer groups to obtain a combined credit chain includes: Obtaining the credit chain of each of the business customer groups; The credits corresponding to all the credit chains are merged to obtain the merged credit chain.

[0007] In some embodiments, the step of merging the credits corresponding to all the credit chains to obtain the merged credit chain includes: Determining multiple credits corresponding to each of the credit chains; All the credits are combined to obtain a credit collection, and the credit collection is used as the combined credit chain.

[0008] In some embodiments, the process of determining the credit input items of each of the business customer groups according to the combined credit chain and the public input items includes: Get the input item group for each business customer group; According to the correspondence between the input item and the credit, the credit corresponding to each input item in the input item group is obtained from the combined credit chain to determine the credit-bearing input item of each business customer group.

[0009] In some embodiments, the determining of the credit-related input items corresponding to the business customer group also includes: Assembling the credit information corresponding to each of the input items to obtain the input item with credit information corresponding to each of the input items; The credit input items of each of the business customer groups are obtained based on all the credit input items.

[0010] In some embodiments, until all decision results are successful, the process further includes: If any abnormality occurs during the decision-making process, the decision-making process is performed again on the credit-related input items of all the business customer groups; When the number of re-decision processing times reaches a preset number, an alarm message is issued.

[0011] In a second aspect, an embodiment of the present application provides a universal loan batching device, including a configuration module, a merging module, an assembly module and a decision module; The configuration module is used to configure the business information of the public batch business, and the business information includes multiple business customer groups; The merging module is used to process the credit chains of all the business customer groups to obtain a merged credit chain; the credit chain includes multiple credits; The assembly module is used to determine the credit input items of each of the business customer groups according to the combined credit chain and the common input items; all the input items included in the common input items satisfy the batch business of all the business customer groups; The decision module is used to perform decision processing on the credit input items of the corresponding business customer group according to the preset decision set of each business customer group, and obtain the decision result of each business customer group; until all the decision results are successful.

[0012] In a third aspect, an embodiment of the present application provides a terminal device, comprising a processor and a memory, wherein the memory stores a computer program, and the processor is used to execute the computer program to implement the above-mentioned universal loan-running method.

[0013] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium storing a computer program, which, when executed on a processor, implements the above-mentioned generalized loan batching method.

[0014] The embodiments of the present application have the following beneficial effects: The universal loan batching method of the present application configures the business information of the public batching business and merges the credit chain, thereby avoiding excessive network overhead and time consumption; then the credit input items for each business customer group are determined based on the merged credit chain and public input items, and the public input items are maintained in a unified manner to facilitate management and reduce maintenance costs; then decision processing is performed based on the preset decision set to realize multi-scenario merged batching and avoid repeated cycles for the same customers. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the embodiments will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present application and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0016] Figure 1 A flow chart of a generalized loan batching method in an embodiment of the present application is shown; Figure 2 A flow chart showing how to obtain a combined credit chain in an embodiment of the present application is shown; Figure 3 A schematic diagram of a process for determining a credit-bearing input item in an embodiment of the present application is shown; Figure 4 A structural schematic diagram of a universal loan batch running device in an embodiment of the present application is shown.

[0017] Description of main component symbols: 10- configuration module; 20- merging module; 30- assembling module; 40- decision module. DETAILED DESCRIPTION

[0018] The technical solutions in the embodiments of the present application will be described clearly and completely below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all of the embodiments.

[0019] The components of the embodiments of the present application generally described and shown in the drawings herein may be arranged and designed in various configurations. Therefore, the following detailed description of the embodiments of the present application provided in the drawings is not intended to limit the scope of the application claimed for protection, but merely represents the selected embodiments of the present application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without making creative work belong to the scope of protection of the present application.

[0020] Hereinafter, the terms "including", "having" and their cognates that can be used in various embodiments of the present application are intended only to indicate specific features, numbers, steps, operations, elements, components or a combination of the foregoing items, and should not be understood as first excluding the existence of one or more other features, numbers, steps, operations, elements, components or a combination of the foregoing items or increasing the possibility of one or more features, numbers, steps, operations, elements, components or a combination of the foregoing items. In addition, the terms "first", "second", "third" and the like are only used to distinguish descriptions and cannot be understood as indicating or implying relative importance.

[0021] Unless otherwise defined, all terms (including technical terms and scientific terms) used herein have the same meanings as those generally understood by those skilled in the art to which the various embodiments of the present application belong. The terms (such as those defined in generally used dictionaries) will be interpreted as having the same meanings as the contextual meanings in the relevant technical field and will not be interpreted as having idealized meanings or overly formal meanings unless clearly defined in the various embodiments of the present application.

[0022] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0023] Based on the current flow process, if you want to process 100,000 customers' credit limit increase and credit limit reduction operations, you need to execute the credit limit increase and credit limit reduction processes separately.

[0024] The process of credit limit increase batch running: 1) U - number of credit limit increase process cycles; for example, the number of cycles is 100,000 customers; 2) Customers execute the credit chain corresponding to the credit limit increase respectively; for example, the credit chain includes credit A, credit B and credit C, and the credit chain length is 3; 3) Customers assemble input items; for example, the input items to be assembled include input item A, input item B and input item C; 4) Call the credit limit increase decision set; 5) Get the decision result.

[0025] The process of credit reduction batch running: 1) D-the number of credit reduction process cycles; for example, the number of cycles is 100,000 customers; 2) Customers execute the credit reduction credit chain separately; for example: the credit chain includes credit B, credit C, credit D, and the credit chain length is 3; 3) Customers assemble input items; for example, the input items to be assembled include input item B, input item C, input item D; 4) Call the credit reduction decision set; 5. Get the decision result.

[0026] The current 100,000 customers have completed two rounds, resulting in 200,000 pieces of data, and the credit chain of U-increase and the credit chain of D-reduction have repeated parts, namely credit B and credit C, and the total credit length is 6; the input items of U-increase and D-reduction have repeated parts, namely input item B and input item C. Repeated process execution increases the time consumption of the entire process, and when a scenario needs to configure a credit chain, and multiple scenarios need to be run, a single credit needs to be repeatedly called multiple times, and each scenario needs to be maintained, a set of input items, and the maintenance cost is too high. To this end, this application proposes a universal loan batch running method to optimize the existing batch running scheme.

[0027] The universal loan batching method is explained below with reference to some specific embodiments.

[0028] Figure 1 A flow chart of a generalized loan-running method according to an embodiment of the present application is shown. Exemplarily, the generalized loan-running method includes the following steps: S100, configuring the business information in the public batch business.

[0029] In this embodiment, the business information of the public batch business includes business customer groups and circle data. Among them, the business customer group is actually the business type, including increase, decrease, debt transfer, term, recapture, automatic transfer of time savings upon maturity, interest settlement, etc. The circle data is the number of batch businesses that execute the business customer group; for example, 100,000 customers, 50,000 customers or 80,000 customers, etc. The public batch business adds business customer groups relative to the approval of the traditional single business batch process. For example, the business customer groups are increase and decrease, and the circle data for increase and decrease are both 100,000 customers.

[0030] S200, processing the credit chains of all business customer groups to obtain a combined credit chain.

[0031] In this embodiment, the credit chains of all business customer groups in the public batch business are merged, that is, the credits in all credit chains are combined to obtain a merged credit chain. Figure 2 As shown in FIG. 1 , the process of processing the credit chains of all business customer groups to obtain a combined credit chain includes: S210, obtaining the credit chain of each business customer group.

[0032] In this embodiment, according to the business customer group in the business information, it can be learned that the business customer group includes an increase in credit limit and a decrease in credit limit. The credit chain corresponding to the increase in credit limit is the credit chain for the increase in credit limit, which includes credit a, credit b and credit c; the credit chain corresponding to the decrease in credit limit is the credit chain for the decrease in credit limit, which includes credit b, credit c and credit d. For example, credit a is business information, including the name of the enterprise, the former name of the enterprise, etc.; credit b is academic qualifications and academic records, including the first academic qualification, the second academic qualification, etc.

[0033] S220, merging the credits corresponding to all credit chains to obtain a merged credit chain.

[0034] It should be noted that the credit corresponding to the credit chain is the data obtained by calling internal services or third-party manufacturers, and the credit request call is initiated according to the preset requirements through the provided calling interface path, input parameters and other information. For example, to query the internal credit-internal anti-terrorism blacklist, the customer number and customer name of the current process case are used as input parameters, and the interface call is initiated to obtain the corresponding credit result. To query the credit of a third-party manufacturer-Umeng small-amount credit, the customer name, company name and unified social credit code of the current process case are used as input parameters, and the interface call is initiated to obtain the corresponding credit result.

[0035] In this embodiment, each group of credits corresponding to each credit chain is first determined; then the credits of all groups are combined to obtain a credit collection, and the credit collection is used as a merged credit chain. A group of credits corresponding to the credit chain for increasing credit limit includes credit a, credit b and credit c, and a group of credits corresponding to the credit chain for decreasing credit limit includes credit b, credit c and credit d. Credit b and credit c in the two groups of credits are the same credits, and the two groups of credits are combined to obtain a credit collection including credit a, credit b, credit c and credit d, and the credit collection is used as a merged credit chain, that is, the obtained merged credit chain includes credit a, credit b, credit c and credit d. At this time, the credit length of the merged credit chain is 4.

[0036] Compared with the traditional process of completing the increase and decrease of credit limit, the total credit length of the two credit chains has changed from 6 to the current credit length of the merged credit chain of 4.

[0037] S300, determining the credit input items for each business customer group according to the combined credit chain and the public input items.

[0038] In this embodiment, the common input items include multiple input items, and all the input items included in the common input items meet the batch processing business of all business customer groups. For example, the common input items at least include input item A, input item B, input item C, input item D, input item E, and input item F, etc., that is, the common input items can meet the batch processing needs of all business customer groups. For example, input item A is a corporate legal person, and input item B is corporate dishonesty.

[0039] In this embodiment, Figure 3 As shown in FIG. 1 , the process of determining the credit input items for each business customer group based on the combined credit chain and the common input items includes: S310, obtaining an input item group for each business customer group.

[0040] In this embodiment, the business customer group includes credit limit increase and credit limit decrease. Correspondingly, the input item group for credit limit increase includes input item A, input item B and input item C; the input item group for credit limit decrease includes input item B, input item C and input item D.

[0041] S320, according to the correspondence between the input item and the credit, obtain the credit corresponding to each input item in the input item group from the combined credit chain.

[0042] In this embodiment, the correspondence between each input item in the common input items and the credit is pre-stored, which can be a data table or a mapping relationship. For example, the correspondence between the input item and the credit can be a one-to-one correspondence, such as input item A corresponds to credit a, and input item B corresponds to credit b; it can also be a one-to-many correspondence, such as input item A corresponds to credit a and credit b, and input item B corresponds to credit b and credit c; it can also be a correspondence of multiple types, such as input item A corresponds to credit a, and input item B corresponds to credit b and credit c. Through the correspondence between the input item and the credit, the credit corresponding to each input item in the business customer group can be obtained from the merged credit chain.

[0043] S330, assembling the credit information corresponding to each input item to obtain an input item with credit information corresponding to each input item; In this embodiment, the data of the credit a query is used to complete the assembly of the input item A, forming the credit input item A. For example, the assembly data corresponding to the unified credit code of the corporate legal person is 1425411, and the assembly data corresponding to whether there is a previous use is yes. The format is as follows: { "QYGS": { "Uniform Credit Code": "1425411", "Is there a former name": "Yes" } } According to the above method, the input item group including input item A, input item B, input item C and input item D are assembled in sequence to obtain credit-bearing input item A, credit-bearing input item B, credit-bearing input item C and credit-bearing input item D.

[0044] S340, obtaining the credit input items of each business customer group according to all the credit input items.

[0045] In this embodiment, based on all credit input items, namely credit input item A, credit input item B, credit input item C and credit input item D, credit input item A, credit input item B and credit input item C with increased credit limit and credit input item B, credit input item C and credit input item D with decreased credit limit are obtained.

[0046] S400, according to the preset decision set corresponding to each business customer group, decision processing is performed on the credit input items of the corresponding business customer group to obtain the decision result of each business customer group.

[0047] In this embodiment, the preset decision set corresponding to the increase of the credit limit of the business customer group is the increase decision set, and the preset decision set corresponding to the decrease is the decrease decision set. According to the preset decision set corresponding to the increase, the corresponding credit input items are processed to obtain the decision result of the increase; at the same time, according to the preset decision set corresponding to the decrease, the corresponding credit input items are processed to obtain the decision result of the decrease; until all decision results are successful. The success of the decision result includes approval and rejection.

[0048] According to the credit limit increase decision set, credit input item A, credit input item B and credit input item C are processed to obtain the corresponding decision results. The decision result at this time is that the current credit limit increase process is approved and the corresponding credit limit increase amount and credit limit validity period; or the current credit limit increase process is approved and rejected.

[0049] According to the reduction decision set, credit input item B, credit input item C and credit input item D are processed to obtain the corresponding decision results. The decision result at this time is that the current reduction process is approved and the corresponding reduction amount and amount validity period; or the current reduction process is approved and rejected.

[0050] In the process of making decisions on the credit input items of each business customer group according to different preset decision sets, if any decision processing process is abnormal, the decision processing on the credit input items of all business customer groups will be re-performed; when the number of re-processing reaches the first preset number, an alarm message is issued to remind the staff to adjust the preset decision set. Alternatively, when the number of re-processing reaches the second preset number (the second preset number is less than the first preset number), the corresponding decision processing process is still abnormal, and an alarm message is issued to remind the staff to adjust the preset decision set to avoid repeating more decision processing and reduce time consumption.

[0051] This application supports the merging of multiple scenarios to avoid repeated rounds for the same customer; of course, the universal loan batching method of this application also supports a single business customer group, so the business customer group only needs to configure one business customer group, and the execution logic is consistent with the original decision-making logic process, which greatly increases the flexibility of the batch running process. In addition, the batch running scenario supports the combined execution of the credit chain, avoiding excessive network time consumption, shortening the overall batch running time, and improving the timeliness of the batch running; and the public input items are uniformly maintained, which is convenient for management and reduces maintenance costs.

[0052] Figure 4 A schematic diagram of the structure of a universal loan batching device according to an embodiment of the present application is shown. Exemplarily, the universal loan batching device includes a configuration module 10, a merging module 20, an assembling module 30 and a decision module 40; The configuration module 10 is used to configure the business information of the public batch business, and the business information includes multiple business customer groups; The merging module 20 is used to process the credit chains of all business customer groups to obtain a merged credit chain; the credit chain includes multiple credits; The assembly module 30 is used to determine the credit input items for each business customer group based on the combined credit chain and the common input items; all the input items included in the common input items satisfy the batch business of all business customer groups; The decision module 40 is used to make decisions on the credit-related input items of the corresponding business customer group according to the preset decision set of each business customer group, and obtain the decision results of each business customer group; until all decision results are successful.

[0053] It can be understood that the device of this embodiment corresponds to the universal loan batching method of the above embodiment, and the optional items in the above embodiment are also applicable to this embodiment, so they will not be repeated here.

[0054] The present application also provides a terminal device. Exemplarily, the terminal device includes a processor and a memory, wherein the memory stores a computer program, and the processor runs the computer program to enable the terminal device to execute the functions of each module in the above-mentioned universal loan-in-batch method or the above-mentioned universal loan-in-batch device.

[0055] Among them, the processor can be an integrated circuit chip with signal processing capabilities. The processor can be a general-purpose processor, including a central processing unit (CPU), a graphics processing unit (GPU), a network processor (NP), a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or at least one of other programmable logic devices, discrete gates or transistor logic devices, and discrete hardware components. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc., which can implement or execute the methods, steps and logic block diagrams disclosed in the embodiments of the present application.

[0056] The memory may be, but is not limited to, a random access memory (RAM), a read only memory (ROM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), an electric erasable programmable read-only memory (EEPROM), etc. The memory is used to store a computer program, and the processor may execute the computer program accordingly after receiving an execution instruction.

[0057] The present application also provides a computer-readable storage medium for storing the computer program used in the above terminal device. For example, the computer-readable storage medium may include but is not limited to: a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, and other media that can store program codes.

[0058] In several embodiments provided in the present application, it should be understood that the disclosed devices and methods can also be implemented in other ways. The device embodiments described above are merely schematic. For example, the flowcharts and structure diagrams in the accompanying drawings show the possible architecture, functions and operations of the devices, methods and computer program products according to multiple embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of a code, and the module, a program segment or a part of a code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in an alternative implementation, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two consecutive boxes 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 structure diagram and / or the flow diagram, and the combination of boxes in the structure diagram and / or the flow diagram, can be implemented with a dedicated hardware-based system that performs a specified function or action, or can be implemented with a combination of dedicated hardware and computer instructions.

[0059] In addition, the functional modules or units in the various embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.

[0060] If the functions are implemented in the form of software function modules and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for enabling a computer device (which can be a smart phone, a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present application.

[0061] The above description is only a specific implementation manner of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application.

Claims

1. A universal loan batching method, characterized in that: include: Configure business information of a public batch business, wherein the business information includes multiple business customer groups; Processing the credit chains of all the business customer groups to obtain a combined credit chain; The credit chain includes multiple credits; Determine the credit input items for each of the business customer groups based on the combined credit chain and the common input items; all the input items included in the common input items satisfy the batch business of all the business customer groups; According to the preset decision set of each business customer group, the credit input items of the corresponding business customer group are processed for decision making to obtain the decision results of each business customer group; until all the decision results are successful.

2. The universal loan batching method according to claim 1, characterized in that: The business information also includes circle number data; the circle number data is the number of batches of business executed by the business customer group; The business customer groups include those who increase or decrease the credit limit, transfer debts, installments, automatic transfer of matured fixed savings and interest settlement.

3. The universal loan batching method according to claim 1, characterized in that: The credit chains of all the business customer groups are processed to obtain a combined credit chain, including: Obtaining the credit chain of each of the business customer groups; The credits corresponding to all the credit chains are merged to obtain the merged credit chain.

4. The universal loan batching method according to claim 3 is characterized in that: The step of merging the credits corresponding to all the credit chains to obtain the merged credit chain includes: Determining multiple credits corresponding to each of the credit chains; All the credits are combined to obtain a credit collection, and the credit collection is used as the combined credit chain.

5. The universal loan batching method according to claim 1, characterized in that: The process of determining the credit input items of each business customer group according to the combined credit chain and the public input items comprises: Get the input item group for each business customer group; According to the correspondence between the input item and the credit, the credit corresponding to each input item in the input item group is obtained from the combined credit chain to determine the credit-bearing input item of each business customer group.

6. The universal loan batching method according to claim 5, characterized in that: The step of determining the credit-related input items corresponding to the business customer group also includes: Assembling the credit information corresponding to each of the input items to obtain the input item with credit information corresponding to each of the input items; The credit input items of each of the business customer groups are obtained based on all the credit input items.

7. The universal loan batching method according to claim 1, characterized in that: Until all decision results are successful, including: If any abnormality occurs during the decision-making process, the decision-making process is performed again on the credit-related input items of all the business customer groups; When the number of re-decision processing times reaches a preset number, an alarm message is issued.

8. A universal loan batching device, characterized in that: Includes configuration module, merging module, assembly module and decision module; The configuration module is used to configure the business information of the public batch business, and the business information includes multiple business customer groups; The merging module is used to process the credit chains of all the business customer groups to obtain a merged credit chain; The credit chain includes multiple credits; The assembly module is used to determine the credit input items of each of the business customer groups according to the combined credit chain and the common input items; all the input items included in the common input items satisfy the batch business of all the business customer groups; The decision module is used to perform decision processing on the credit input items of the corresponding business customer group according to the preset decision set of each business customer group, and obtain the decision result of each business customer group; until all the decision results are successful.

9. A terminal device, characterized in that: The terminal device includes a processor and a memory, the memory stores a computer program, and the processor is used to execute the computer program to implement the universal loan-running method described in any one of claims 1-7.

10. A computer-readable storage medium, characterized in that: It stores a computer program, which, when executed on a processor, implements the universal loan batching method according to any one of claims 1-7.

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