A Generalized In-Loan Batch Processing Method, Device, Terminal Device, and Medium

Abstract

The present application relates to the technical field of data processing, and discloses a general loan-in batch running method, device, terminal device and medium. The method includes: configuring a common batch running service to include business information of multiple business customer groups; processing the credit information chains of all business customer groups to obtain a combined credit information chain including multiple credit informations; determining the credit information-included input items of each business customer group according to the combined credit information chain and the common input items; all input items included in the common input items satisfy the batch running services of all business customer groups; making a decision process on the credit information-included input items of the corresponding business customer group according to the preset decision set of each business customer group to obtain the decision result of each business customer group; until all decision results are successful. The loan-in batch running method of the present application has low maintenance cost and reduced time consumption.

Description

Technical Field

[0001] This application relates to the technical field of data processing, and in particular, to a general loan processing batch running method, device, terminal device, and medium. Background Art

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

[0003] In view of this, the embodiments of this application provide a general loan processing batch running method, device, terminal device, and medium, which can effectively solve the problem of too large maintenance cost for multi-scenario batch running, etc.

[0004] In a first aspect, the embodiments of this application provide a general loan processing batch running method, including:

[0005] Configuring the service information of the common batch running service, where the service information includes multiple service customer groups;

[0006] Processing the credit information chains of all the service customer groups to obtain a combined credit information chain; the credit information chain includes multiple pieces of credit information;

[0007] Determining the credit information-included input items for each service customer group according to the combined credit information chain and the common input items; all the input items included in the common input items meet the batch running services of all the service customer groups;

[0008] Making decision processing on the credit information-included input items of the corresponding service customer group according to the preset decision set of each service customer group to obtain the decision result of each service customer group; until all the decision results are successful.

[0009] In some embodiments, the service information further includes cycle data; the cycle data is the number of times of executing the batch running service of the service customer group;

[0010] The service customer groups include credit limit increase, credit limit decrease, debt conversion, term, automatic rollover of fixed-term savings upon maturity, and interest settlement.

[0011] In some embodiments, the processing the credit information chains of all the service customer groups to obtain a combined credit information chain includes:

[0012] Obtain the credit information chain of each of the business customer groups;

[0013] Merge the credit information corresponding to all the credit information chains to obtain the merged credit information chain.

[0014] In some embodiments, the step of merging the credit information corresponding to all the credit information chains to obtain the merged credit information chain includes:

[0015] Determine the multiple pieces of credit information corresponding to each of the credit information chains;

[0016] Take the union of all the credit information to obtain a credit information set, and use the credit information set as the merged credit information chain.

[0017] In some embodiments, the process of determining the input items with credit information for each of the business customer groups according to the merged credit information chain and the common input items includes:

[0018] Obtain the input item group of each business customer group;

[0019] According to the correspondence between the input items and the credit information, obtain the credit information corresponding to each of the input items in the input item group from the merged credit information chain to determine the input items with credit information for each of the business customer groups.

[0020] In some embodiments, before determining the input items with credit information corresponding to the business customer group, it further includes:

[0021] Assemble the credit information corresponding to each of the obtained input items to obtain the input item with credit information corresponding to each of the input items;

[0022] Obtain the input items with credit information for each of the business customer groups according to all the input items with credit information.

[0023] In some embodiments, before all the decision results are successful, it further includes:

[0024] If an exception occurs in the process of any of the decision-making processes, re-perform the decision-making process on the input items with credit information of all the business customer groups;

[0025] When the number of times of the re-decision-making process reaches a preset number of times, an alarm message is sent.

[0026] In a second aspect, an embodiment of the present application provides a general-purpose in-loan batch-running device, including a configuration module, a merging module, an assembling module, and a decision-making module;

[0027] The configuration module is used to configure the business information of the common batch-running business, and the business information includes multiple business customer groups;

[0028] The merging module is used to process the credit information chains of all the business customer groups to obtain a merged credit information chain; the credit information chain includes multiple pieces of credit information.

[0029] The assembling module is used to determine the input items with credit information for each business customer group according to the merged credit information chain and the common input items; all the input items included in the common input items meet the batch running operations of all the business customer groups.

[0030] The decision-making module is used to perform decision-making processing on the input items with credit information of the corresponding business customer group according to the preset decision-making set of each business customer group to obtain the decision-making result of each business customer group; until all the decision-making results are successful.

[0031] In a third aspect, an embodiment of the present application provides a terminal device, which 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 above-mentioned generalized in-loan batch running method.

[0032] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program. When the computer program is executed on a processor, the above-mentioned generalized in-loan batch running method is implemented.

[0033] The embodiments of the present application have the following beneficial effects:

[0034] The generalized in-loan batch running method of the present application configures the business information of the common batch running operations, performs the merging of the credit information chains, and avoids excessive network time consumption; then determines the input items with credit information for each business customer group according to the merged credit information chain and the common input items, and the common input items are uniformly maintained, which is convenient for management and reduces the maintenance cost; then performs decision-making processing according to the preset decision-making set to realize the merged batch running in multiple scenarios and avoid the repeated cycles of the same customer. Description of the Drawings

[0035] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required to be used in the embodiments will be briefly introduced below. It should be understood that the following drawings only show some embodiments of the present application, and therefore should not be regarded as limiting the scope. For those of ordinary skill in the art, other related drawings can be obtained based on these drawings without creative efforts.

[0036] Figure 1 Shows a flowchart of the generalized in-loan batch running method in an embodiment of the present application;

[0037] Figure 2 Shows a flowchart of obtaining a merged credit information chain in an embodiment of the present application;

[0038] Figure 3It shows a schematic flowchart for determining credit information input items in an embodiment of the present application;

[0039] Figure 4 It shows a schematic structural diagram of a general credit-in-process batch-running device in an embodiment of the present application.

[0040] Main element symbol description:

[0041] 10 - Configuration module; 20 - Merging module; 30 - Assembly module; 40 - Decision-making module. Detailed implementation manners

[0042] Next, the technical solutions in the embodiments of the present application will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments.

[0043] Generally, the components of the embodiments of the present application described and shown in the accompanying drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present application provided in the accompanying drawings is not intended to limit the scope of the present application claimed, but merely represents the selected embodiments of the present application. All other embodiments obtained by those skilled in the art based on the embodiments of the present application without creative efforts belong to the scope of protection of the present application.

[0044] Hereinafter, the terms "including", "having" and their cognates that can be used in various embodiments of the present application are only intended to represent specific features, numbers, steps, operations, elements, components or combinations of the foregoing items, and should not be construed as first excluding the existence of one or more other features, numbers, steps, operations, elements, components or combinations of the foregoing items or increasing the possibility of one or more features, numbers, steps, operations, elements, components or combinations of the foregoing items. In addition, the terms "first", "second", "third", etc. are only used for distinguishing descriptions and cannot be construed as indicating or implying relative importance.

[0045] Unless otherwise defined, all terms (including technical terms and scientific terms) used here have the same meaning as those commonly understood by those of ordinary skill in the art to which various embodiments of the present application belong. The terms (such as those defined in a general-use dictionary) will be interpreted as having the same meaning as the contextual meaning in the relevant technical field and will not be interpreted as having an idealized meaning or an overly formal meaning unless clearly defined in various embodiments of the present application.

[0046] Next, some implementation manners of the present application will be described in detail in conjunction with the accompanying drawings. Without conflict, the following embodiments and the features in the embodiments can be combined with each other.

[0047] Based on the current running batch process, if we want to process the credit limit increase and decrease running batch operations for 100,000 customers, we need to execute the credit limit increase running batch process and the credit limit decrease running batch process respectively.

[0048] Credit limit increase running batch process: 1) U - number of cycles of the credit limit increase process; for example, the number of cycles is 100,000 customers; 2) Customers respectively execute the corresponding credit information chain for credit limit increase; for example, the credit information chain includes credit information A, credit information B, and credit information C, and the length of the credit information chain is 3; 3) Customers perform input item assembly; 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) Obtain the decision result.

[0049] Credit limit decrease running batch process: 1) D - number of cycles of the credit limit decrease process; for example, the number of cycles is 100,000 customers; 2) Customers respectively execute the credit limit decrease credit information chain; for example: the credit information chain includes credit information B, credit information C, and credit information D, and the length of the credit information chain is 3; 3) Customers perform input item assembly; for example, the input items to be assembled include input item B, input item C, and input item D; 4) Call the credit limit decrease decision set; 5. Obtain the decision result.

[0050] Currently, 100,000 customers have gone through two cycles, resulting in 200,000 data records. And there are overlapping parts in the credit information chain for U - credit limit increase and D - credit limit decrease, namely credit information B and credit information C, with a total credit information length of 6; there are also overlapping parts in the input items for U - credit limit increase and D - credit limit decrease, namely input item B and input item C. The repeated execution of the process increases the time consumption of the entire process, and when a credit information chain needs to be configured for one scenario and multiple scenarios need to be run, a single credit information needs to be repeatedly called multiple times, and each scenario needs to be maintained with a set of input items, resulting in excessive maintenance costs. Therefore, this application proposes a generalized in - loan running batch method to optimize the existing running batch scheme.

[0051] The following will illustrate this generalized in - loan running batch method in combination with some specific embodiments.

[0052] Figure 1 A flowchart showing a generalized in - loan running batch method according to an embodiment of this application is shown. Exemplarily, this generalized in - loan running batch method includes the following steps:

[0053] S100, configure the business information in the common running batch service.

[0054] In this embodiment, the business information of the public batch processing service includes the business customer group and the cycle count data. Among them, the business customer group is actually the business type, including credit limit increase, credit limit decrease, debt transfer, installment, recovery, automatic rollover of maturity of time deposits, interest settlement, etc. The cycle count data is the number of batch processing services for executing the business customer group; for example, 100,000 customers, 50,000 customers, or 80,000 customers, etc. The public batch processing service adds the business customer group to the approval of the traditional single-business batch processing process. For example, the business customer groups are credit limit increase and credit limit decrease, and the cycle count data for both credit limit increase and credit limit decrease is 100,000 customers.

[0055] S200. Process the credit information chains of all business customer groups to obtain a combined credit information chain.

[0056] In this embodiment, the credit information chains of all business customer groups in the public batch processing service are combined, that is, the credits in all credit information chains are taken as the union to obtain a combined credit information chain. As Figure 2 shown, the process of processing the credit information chains of all business customer groups to obtain a combined credit information chain includes:

[0057] S210. Obtain the credit information chain of each business customer group.

[0058] In this embodiment, according to the business customer groups in the business information, it can be known that the business customer groups include credit limit increase and credit limit decrease. The credit information chain corresponding to the credit limit increase is the credit limit increase credit information chain, and the credit limit increase credit information chain includes credit a, credit b, and credit c; the credit information chain corresponding to the credit limit decrease is the credit limit decrease credit information chain, and the credit limit decrease credit information chain includes credit b, credit c, and credit d. For example, credit a is industrial and commercial information, including enterprise name, former enterprise name, etc.; credit b is educational background and student status, including first education level, second education level, etc.

[0059] S220. Combine the credits corresponding to all credit information chains to obtain a combined credit information chain.

[0060] It should be noted first that the credits corresponding to the credit information chains are data obtained by calling internal services or third-party manufacturers. Through the provided call interface channels, input parameters, etc. information, a credit information request call is initiated according to preset requirements. For example, to query internal credit information - internal anti-terrorism blacklist, use the customer number and customer name of the current process case as input parameters to initiate an interface call to obtain the corresponding credit information result. To query third-party manufacturer credit information - Youmeng small score credit information, use the customer name, enterprise name, and unified social credit code of the current process case as input parameters to initiate an interface call to obtain the corresponding credit information result.

[0061] In this embodiment, first determine each group of credit information corresponding to each credit information chain; then take the union of all groups of credit information to obtain a credit information set, and use the credit information set as the merged credit information chain. A group of credit information corresponding to the credit limit increase credit information chain includes credit information a, credit information b, and credit information c, and a group of credit information corresponding to the credit limit decrease credit information chain includes credit information b, credit information c, and credit information d. Credit information b and credit information c in the two groups of credit information are the same credit information. Taking the union of the two groups of credit information, the obtained credit information set includes credit information a, credit information b, credit information c, and credit information d, and this credit information set is used as the merged credit information chain. That is, the obtained merged credit information chain includes credit information a, credit information b, credit information c, and credit information d. At this time, the length of the credit information of the merged credit information chain is 4.

[0062] Compared with the traditional process of completing the credit limit increase and credit limit decrease batch processes, the total length of the credit information of the two credit information chains changes from 6 to the length of the credit information of the current merged credit information chain, which is 4.

[0063] S300. Determine the credit information - carrying input items for each business customer group according to the merged credit information chain and the common input items.

[0064] 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 - running operations 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 - running requirements of all business customer groups. For example, input item A is the corporate legal person, and input item B is the enterprise's bad credit record.

[0065] In this embodiment, as Figure 3 shown, the process of determining the credit information - carrying input items for each business customer group according to the merged credit information chain and the common input items includes:

[0066] S310. Obtain the input item group of each business customer group.

[0067] In this embodiment, the business customer groups include 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.

[0068] S320. According to the correspondence between the input items and the credit information, obtain the credit information corresponding to each input item in the input item group from the merged credit information chain.

[0069] In this embodiment, the corresponding relationship between each input item in the public input items and the credit information is pre-stored, which can be a data table or a mapping relationship. For example, the corresponding relationship between the input item and the credit information can be a one-to-one correspondence such as input item A corresponding to credit information a, input item B corresponding to credit information b, etc.; it can also be a one-to-many correspondence such as input item A corresponding to credit information a and credit information b, input item B corresponding to credit information b and credit information c, etc.; it can also be various types of corresponding relationships such as input item A corresponding to credit information a, input item B corresponding to credit information b and credit information c, etc. Through the corresponding relationship between the input item and the credit information, the credit information corresponding to each input item in the business customer group can be obtained from the merged credit information chain.

[0070] S330. Assemble the credit information corresponding to each obtained input item to obtain an input item with attached credit information corresponding to each input item.

[0071] In this embodiment, the assembly of input item A is completed through the data retrieved by credit information a to form input item A with attached credit information. For example, the assembly data corresponding to the unified credit code of an enterprise legal person is 1425411, and the assembly data corresponding to whether there is a former name is "yes". The format is as follows:

[0072] {

[0073] "QYGS": {

[0074] "Unified Credit Code": "1425411",

[0075] "Whether there is a former name": "yes"

[0076] }

[0077] }

[0078] In the above manner, the assembly of the input item group including input item A, input item B, input item C, and input item D is completed in sequence to obtain input item A with attached credit information, input item B with attached credit information, input item C with attached credit information, and input item D with attached credit information.

[0079] S340. Obtain the input item with attached credit information for each business customer group based on all the input items with attached credit information.

[0080] In this embodiment, based on all the input items with attached credit information, namely input item A with attached credit information, input item B with attached credit information, input item C with attached credit information, and input item D with attached credit information, input item A with attached credit information, input item B with attached credit information, and input item C with attached credit information for credit limit increase are obtained; input item B with attached credit information, input item C with attached credit information, and input item D with attached credit information for credit limit decrease are obtained.

[0081] S400. According to the preset decision set corresponding to each business customer group, perform decision processing on the input item with attached credit information of the corresponding business customer group to obtain the decision result of each business customer group.

[0082] In this embodiment, the preset decision set corresponding to the credit limit increase of the business customer group is the credit limit increase decision set, and the preset decision set corresponding to the credit limit decrease is the credit limit decrease decision set. According to the preset decision set corresponding to the credit limit increase, decision processing is performed on the corresponding credit information input items to obtain the decision result of the credit limit increase; at the same time, according to the preset decision set corresponding to the credit limit decrease, decision processing is performed on the corresponding credit information input items to obtain the decision result of the credit limit decrease; until all decision results are successful. The success of the decision result includes approval and rejection.

[0083] According to the credit limit increase decision set, process the credit information input item A, the credit information input item B, and the credit information input item C to obtain the corresponding decision result. At this time, the decision result is that the current credit limit increase process is approved and the corresponding credit limit increase amount and limit validity period; or the current credit limit increase process is rejected.

[0084] According to the credit limit decrease decision set, process the credit information input item B, the credit information input item C, and the credit information input item D to obtain the corresponding decision result. At this time, the decision result is that the current credit limit decrease process is approved and the corresponding credit limit decrease amount and limit validity period; or the current credit limit decrease process is rejected.

[0085] In the process of performing decision processing on the credit information input items of each business customer group according to different preset decision sets, if an exception occurs in any decision processing process, re-perform decision processing on the credit information input items of all business customer groups; when the number of re-performances reaches the first preset number of times, an alarm message is sent to remind the staff to adjust the preset decision set. It is also possible that when the number of re-performances reaches the second preset number of times (the second preset number of times is less than the first preset number of times) and the corresponding decision processing process is still abnormal, an alarm message is sent to remind the staff to adjust the preset decision set to avoid repeating the decision processing more times and reduce the time consumption.

[0086] This application supports multi-scenario combined batch running to avoid repeated rounds for the same customer; of course, the general loan-in batch running method of this application also supports a single business customer group. Then, the business customer group only needs to configure one business customer group, and the execution logic is the same as the original decision logic process, greatly increasing the flexibility of the batch running process. In addition, the batch running scenario supports the combined execution of the credit information chain, avoiding excessive network time consumption, shortening the overall batch running time, and improving the batch running timeliness; and the public input items are uniformly maintained, which is convenient for management and reduces the maintenance cost.

[0087] Figure 4 Fig. shows a schematic structural diagram of the general loan-in batch running device according to an embodiment of the present application. Exemplarily, the general loan-in batch running device includes a configuration module 10, a merging module 20, an assembling module 30, and a decision module 40;

[0088] The configuration module 10 is used to configure the business information of the public batch running service, and the business information includes multiple business customer groups;

[0089] The merging module 20 is used to process the credit information chains of all business customer groups to obtain merged credit information chains; the credit information chains include multiple pieces of credit information.

[0090] The assembling module 30 is used to determine the input items with credit information for each business customer group according to the merged credit information chains and the common input items; all the input items included in the common input items satisfy the batch processing operations of all business customer groups.

[0091] The decision-making module 40 is used to perform decision-making processing on the input items with credit information of the corresponding business customer groups according to the preset decision-making sets of each business customer group to obtain the decision-making results of each business customer group; until all the decision-making results are successful.

[0092] It can be understood that the device in this embodiment corresponds to the generalized mid-loan batch processing method in the above embodiment, and the optional items in the above embodiment are also applicable to this embodiment, so they will not be described repeatedly here.

[0093] This application also provides a terminal device. Exemplarily, the terminal device includes a processor and a memory. Among them, the memory stores a computer program, and the processor runs the computer program, so that the terminal device executes the functions of the above generalized mid-loan batch processing method or each module in the above generalized mid-loan batch processing device.

[0094] Among them, the processor can be an integrated circuit chip with signal processing capabilities. The processor can be a general-purpose processor, including at least one of 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 other programmable logic devices, discrete gate 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., and can implement or execute the various methods, steps, and logic block diagrams disclosed in the embodiments of this application.

[0095] The memory can be, but is not limited to, Random Access Memory (RAM), Read Only Memory (ROM), Programmable Read-Only Memory (PROM), Erasable Programmable Read-Only Memory (EPROM), Electric Erasable Programmable Read-Only Memory (EEPROM), etc. Among them, the memory is used to store a computer program, and after receiving an execution instruction, the processor can execute the computer program accordingly.

[0096] This 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: various media such as USB flash drives, mobile hard disks, read-only memories (ROM, Read-Only Memory), random access memories (RAM, Random Access Memory), magnetic disks, or optical discs that can store program codes.

[0097] In several embodiments provided by this 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 illustrative. For example, the flowcharts and structure diagrams in the drawings show the possible architectures, functions, and operations of devices, methods, and computer program products according to multiple embodiments of this application. In this regard, each block in the flowchart or block diagram can represent a module, a program segment, or a part of the code, and the module, program segment, or part of the 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 blocks may occur in a different order than marked in the drawings. For example, two consecutive blocks can actually be executed substantially in parallel, and they can sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the structure diagram and / or flowchart, as well as the combination of blocks in the structure diagram and / or flowchart, can be implemented by a dedicated hardware-based system that executes the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0098] In addition, in each embodiment of this application, the various functional modules or units can be integrated together to form an independent part, or each module can exist separately, or two or more modules can be integrated to form an independent part.

[0099] When the above-mentioned function is implemented in the form of a software functional module and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on such an understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for causing a computer device (which may 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 various embodiments of the present application.

[0100] As described above, the above are only specific embodiments of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art within the technical scope disclosed in the present application can easily think of changes or substitutions, which should all be covered by 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, 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; Until all the decision results are successful; 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.

2. The universal loan batching method according to claim 1 is 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 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.

4. 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.

5. The universal loan batching method according to claim 4 is 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.

6. 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.

7. 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; 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.

8. 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 1-6.

9. 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 1-6.

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