Information auditing method, device and equipment based on financial service, medium and product

Abstract

The invention discloses an information auditing method, device, equipment, medium and product based on financial business, which can be applied to the field of financial science and technology. The method comprises the steps of obtaining user basic information and user behavior information of a to-be-audited user in response to a service application operation of the to-be-audited user on a target financial service; performing feature processing on the user basic information and the user behavior information to obtain user feature data; performing feature screening on the user feature data to obtain target feature data; according to the target feature data, determining an information auditing result of the to-be-audited user; and according to the information auditing result, determining whether to execute the business application of the to-be-audited user for the target financial business. According to the technical scheme, the target feature data of the user can be obtained according to the basic information and the behavior information of the to-be-audited user, then the information audit result of the to-be-audited user is determined, and the information audit efficiency and the information audit accuracy of financial services are improved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to information audit methods, devices, equipment, media and products based on financial services. Background Art

[0002] In recent years, with the continuous development of society and the continuous improvement of living standards, the volume of financial services has been growing. In the process of financial business processing, the review and confirmation of the user information of the user initiating the financial business is a processing step that cannot be ignored in the financial business processing flow. As the volume of business continues to grow, the amount of user information that needs to be reviewed will also continue to grow, which will be a huge challenge to the existing information review method.

[0003] The existing information review methods usually use online approval procedures or manual review. However, the existing online approval procedures mostly generate review rules in a hard-coded manner. The user information obtained in the information review process is fixed and single, and it is difficult to adapt to the more complex and large information review process in the growing business volume; manual review can handle all information review processes, but it requires a lot of manpower and material resources, and the review efficiency is extremely low.

[0004] Therefore, how to cope with the increasingly complex and large information review process in financial business and improve the efficiency and accuracy of information review in financial business has become a topic that technical personnel urgently need to study. Summary of the invention

[0005] The present invention provides a method, device, equipment, storage medium and product for information auditing based on financial business, so as to improve the efficiency of information auditing of financial business and the accuracy of information auditing.

[0006] According to one aspect of the present invention, there is provided a method for information auditing based on financial services, comprising:

[0007] In response to a business application operation of a user to be reviewed for a target financial business, obtaining basic user information and user behavior information of the user to be reviewed;

[0008] Performing feature processing on the user basic information and the user behavior information to obtain user feature data;

[0009] Performing feature screening on the user feature data to obtain target feature data;

[0010] Determine the information review result of the user to be reviewed according to the target characteristic data;

[0011] According to the information review result, it is determined whether to execute the business application of the to-be-reviewed user for the target financial business.

[0012] According to another aspect of the present invention, there is provided an information auditing device based on financial services, comprising:

[0013] An information acquisition module, configured to acquire basic user information and user behavior information of the user to be reviewed in response to the user's application operation for the target financial business;

[0014] A feature data acquisition module is used to perform feature processing on the user basic information and the user behavior information to obtain user feature data;

[0015] A feature data screening module, used to perform feature screening on the user feature data to obtain target feature data;

[0016] An audit result determination module, used to determine the information audit result of the user to be audited according to the target characteristic data;

[0017] An execution module is used to determine whether to execute the business application of the user to be reviewed for the target financial business according to the information review result.

[0018] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising:

[0019] at least one processor; and

[0020] a memory communicatively connected to the at least one processor; wherein,

[0021] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the information review method based on financial business described in any embodiment of the present invention.

[0022] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the information review method based on financial business described in any embodiment of the present invention when executed.

[0023] According to another aspect of the present invention, a computer program product is provided. The computer program product includes a computer program. When the computer program is executed by a processor, the information audit method based on financial services described in any embodiment of the present invention is implemented.

[0024] The technical solution of the embodiment of the present invention obtains the basic user information and user behavior information of the user to be reviewed in response to the business application operation of the user to be reviewed for the target financial business; performs feature processing on the basic user information and user behavior information to obtain user feature data; performs feature screening on the user feature data to obtain target feature data; determines the information review result of the user to be reviewed based on the target feature data; and determines whether to execute the business application of the user to be reviewed for the target financial business based on the information review result. This technical solution can obtain the user's target feature data based on the basic information and behavior information of the user to be reviewed. Then, based on the target feature data, the information review result of the user to be reviewed is determined, thereby improving the information review efficiency of the financial business and the accuracy of the information review. At the same time, the business application for the target financial business can also be directly executed based on the information review result, further accelerating the execution efficiency of the financial business.

[0025] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0027] Figure 1 is a flow chart of an information review method based on financial services provided according to Embodiment 1 of the present invention;

[0028] Figure 2 is a flow chart of an information review method based on financial services provided according to Embodiment 2 of the present invention;

[0029] Figure 3 This is a schematic diagram of the structure of an information review device based on financial services provided according to Embodiment 3 of the present invention;

[0030] Figure 4 It is a structural schematic diagram of an electronic device for implementing the information review method based on financial business according to an embodiment of the present invention. DETAILED DESCRIPTION

[0031] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0032] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0033] Embodiment 1

[0034] Figure 1 A flowchart of a method for information review based on financial services is provided for the first embodiment of the present invention. This embodiment is applicable to the case where identity information review is performed on a user who applies for a financial service. The method can be performed by an information review device based on financial services. The information review device based on financial services can be implemented in the form of hardware and / or software. The information review device based on financial services can be configured in an electronic device. Figure 1 As shown, the method includes:

[0035] S110 . In response to a business application operation of a user to be reviewed for a target financial business, basic user information and user behavior information of the user to be reviewed are obtained.

[0036] The user to be reviewed may be the initiator of a financial business, and the target financial business may be a financial operation applied for by the business initiator, such as a loan application, a credit card account opening application, or an application for the purchase of a financial product.

[0037] Among them, user basic information may refer to the user's basic personal information, which may include the user's name, age, income, contact information and education level; user behavior information may be various interaction and behavior data generated when the user uses an application or logs in to a website, which may include the web pages browsed by the user, the page login frequency, the page browsing time and page function preferences, etc.

[0038] Specifically, when a user initiates an application for a financial service, basic information and behavior information of the service initiating user may be obtained, wherein the basic information may be input by the user himself, and the behavior information may be read based on the user's information.

[0039] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data comply with relevant laws, regulations and standards in relevant regions.

[0040] S120: Perform feature processing on the user basic information and the user behavior information to obtain user feature data.

[0041] Among them, user characteristic data can be data information that can describe various attributes and behaviors of users, such as educational information, which can be characteristic data that can describe the user's educational level; and page browsing time, which can be characteristic data that can describe the user's interest in the page.

[0042] Specifically, when the basic information and behavior information of the user is obtained, feature processing can be performed on the obtained information. Specifically, feature processing methods such as standardization or normalization, outlier detection or vector space conversion can be used on the obtained information to obtain the user's feature data.

[0043] Optionally, feature processing is performed on the user basic information and the user behavior information to obtain user feature data, including: generating target user information including the user basic information and the user behavior information; if the information feature of the target user information is a category feature, performing vector space conversion on the target user information to obtain user feature data of the target user information; or, if the information feature of the target user information is a numerical feature, standardizing or normalizing the target user information to obtain user feature data of the target user information.

[0044] The category feature may be feature information that can be used to classify users, and may include gender and age group, etc.

[0045] Specifically, when the information feature of the target user information is a category feature, the user information can be converted into a vector space. The vector space conversion can be to convert the category information feature in the target user information into a digital vector. The conversion method can be a word embedding method or label encoding, etc. The specific conversion method can be set by the technician based on experience. Exemplarily, if the conversion method is label encoding, corresponding labels can be set for different category feature information, such as the label corresponding to male in gender is 0, and the label corresponding to female is 1. The label corresponding to 18-25 years old in age group is 0, the label corresponding to 26-50 years old is 1, the label corresponding to 51-60 years old is 2, and the label corresponding to over 60 is 3. When the category feature information of the target user obtained is male and 26-50 years old, the user feature data of the target user can be obtained as [0,1]. This example does not impose specific restrictions on this.

[0046] Among them, the numerical feature can be quantitative data that can directly reflect the user information, and can include education and annual income values. Exemplarily, when the numerical feature in the target user information is obtained, the information feature can be standardized or normalized, that is, the obtained information feature can be placed in a fixed range. For example, the range corresponding to the education level can be set to [-1,1], and specifically, the education level of non-undergraduate can be converted to -1, the education level of undergraduate can be converted to 0, and the education level of master and doctor can be converted to 1; the range corresponding to the annual income value can also be set to [0,1], where the annual income value of 0 to 200,000 yuan can be converted to 0, and the annual income value of more than 200,000 yuan can be converted to 1. Furthermore, if the numerical feature in the target user information obtained is undergraduate and annual income of 100,000 yuan, the user feature data of the target user can be obtained as [0,0].

[0047] Specifically, the technical solution can process different information feature categories separately according to the information feature categories of the target user information, and then obtain the feature data of the target user information, thereby speeding up the processing speed of the target user information and improving the accuracy of information review.

[0048] S130: Perform feature screening on the user feature data to obtain target feature data.

[0049] The target characteristic data may be information characteristic data for determining whether a business application operation for a target financial business can be performed from target user information.

[0050] Specifically, the target feature data that can directly affect the target financial business application operation can be obtained from the acquired user feature data. For example, for a loan application, the corresponding target feature data may include age, education, historical credit record, and annual income value, etc.; for a credit card account application, the corresponding target feature data may include name, age, address, and ID number, etc.

[0051] Optionally, the user characteristic data includes characteristic data under at least one information dimension; accordingly, the user characteristic data is feature-screened to obtain target characteristic data, including: obtaining historical user data of historical users performing business application operations on target financial services in historical time periods, and historical characteristic data obtained after feature-screening the historical user data; determining weight parameter values ​​of each information dimension based on the historical user data of historical users and their corresponding historical characteristic data; and feature-screening the user characteristic data based on the weight parameter values ​​of each information dimension to obtain target characteristic data.

[0052] The historical characteristic data may be information characteristic data obtained within a historical time period to determine that a business application operation for a target financial business can be performed.

[0053] Among them, the information dimension can refer to different information feature categories, such as age, education level or annual income value. Specifically, it can be to obtain the historical user data obtained by the business application operation of the target financial business in the historical time period, and the corresponding historical feature data, and obtain the weight parameter value of each information dimension in the historical feature data in the business operation application of the target financial business. Then, according to the weight parameter value of each information dimension obtained, the user feature data is feature screened and the target feature data is obtained. Exemplarily, continuing the above example, the user data and corresponding feature data of the user application for the loan business operation request in the historical time period can be obtained, which may include age, education level, historical credit record and annual income value. The weight value parameter corresponding to each dimension of information can also be obtained, such as the weight value parameter corresponding to age is 20%, the weight value parameter corresponding to education level is 10%, the weight value parameter corresponding to historical credit record is 40%, and the weight value parameter corresponding to annual income value is 30%. Furthermore, when a user initiates a business operation application for a loan business, the user characteristic data can be screened according to the weight value parameters of each information dimension, and the target characteristic data can be obtained: age, education level, historical credit record and annual income value, and then it can be determined whether to execute the business operation application. This embodiment does not impose any specific restrictions on this.

[0054] This technical solution can determine the weight parameters of each information dimension based on the historical user data of business application operations for the target finance in the historical time period and the corresponding historical feature data, thereby obtaining the target feature data in the target user information, improving the accuracy of information review, and further improving the efficiency of information review for financial services.

[0055] S140. Determine the information audit result of the user to be audited according to the target characteristic data.

[0056] Among them, determining the information review result of the user to be reviewed can specifically be to determine whether the user characteristic data contained in the target user information meets the business application operation for executing the target financial business, and the information review result can include passed review and failed review. For example, to execute the purchase operation of a financial product, the age must be over 20 years old and the annual income value must be not less than 100,000 yuan. If the target characteristic data of the user to be reviewed is obtained: the age is 25 years old and the annual income value is 150,000 yuan, then the information review result of the user to be reviewed can be considered to be passed; if the target characteristic data of the user to be reviewed is obtained: the age is 18 years old and the annual income value is 100,000 yuan, then the information review result of the user to be reviewed can be considered to be failed, and this embodiment does not impose specific restrictions on this.

[0057] S150. Determine whether to execute the business application of the user to be reviewed for the target financial business according to the information review result.

[0058] Specifically, if the information review result is passed, it can be determined that the business application of the user to be reviewed for the target financial business will be executed; if the information review result is failed, it can be determined that the business application of the user to be reviewed for the target financial business will not be executed.

[0059] Optionally, after determining whether to execute the business application of the user to be reviewed for the target financial business based on the information review result, the method also includes: if it is determined based on the information review result that the business application of the user to be reviewed for the target financial business will not be executed, generating a business application failure prompt message; feeding back the business application failure prompt message to the user to be reviewed, so that the user to be reviewed can determine whether to perform a second application operation; if a second application operation of the user to be reviewed is received, obtaining the user modification information sent by the user to be reviewed; and determining whether to perform an information review on the user to be reviewed based on the user modification information and the user basic information.

[0060] Specifically, when the result of the information review of the user to be reviewed is that the review has not been passed, it is determined that the business operation application of the user to be reviewed for the target financial business will not be executed, and a prompt message of application failure is generated. Furthermore, the user to be reviewed can determine whether to perform a secondary application operation. If so, the user modification information sent by the user to be reviewed is obtained, and it is determined whether to conduct information review on the user to be reviewed again. Optionally, according to the user modification information and the user basic information, it is determined whether to conduct information review on the user to be reviewed, including: performing consistency comparison between the user modification information and the user basic information to obtain a consistency comparison result; according to the consistency comparison result, determining whether to conduct information review on the user to be reviewed; if the consistency comparison result is consistent, it is determined that the user to be reviewed will not be reviewed; if the consistency comparison result is inconsistent, it is determined that the user to be reviewed will be reviewed. Exemplarily, continuing the above example, if the basic user information obtained for the purchase operation request of the target user's financial product is: the age is 18 years old and the annual income value is 100,000 yuan, the prompt message of information review failure and business application operation failure is obtained. The target characteristic data can be modified, such as the age can be modified to 19 years old and the annual income value can be modified to 100,000 yuan, and the user modification information can be obtained. Then, based on the user basic information and the user modification information, it can be determined to conduct a secondary information review on the user to be reviewed. This embodiment does not make specific restrictions on this.

[0061] This technical solution can determine whether to conduct information review on the user to be reviewed based on the secondary application operation of the user to be reviewed and the user's modified information when it is determined that the business application of the user to be reviewed for the target financial business will not be executed. When the basic information of the user changes, the user to be reviewed can be reviewed twice, which improves the efficiency of information review of financial business and avoids the ineffective occupation and waste of information review resources.

[0062] The technical solution of the embodiment of the present invention obtains the basic user information and user behavior information of the user to be reviewed in response to the business application operation of the user to be reviewed for the target financial business; performs feature processing on the basic user information and user behavior information to obtain user feature data; performs feature screening on the user feature data to obtain target feature data; determines the information review result of the user to be reviewed based on the target feature data; and determines whether to execute the business application of the user to be reviewed for the target financial business based on the information review result. This technical solution can obtain the user's target feature data based on the basic information and behavior information of the user to be reviewed. Then, based on the target feature data, the information review result of the user to be reviewed is determined, thereby improving the information review efficiency of the financial business and the accuracy of the information review. At the same time, the business application for the target financial business can also be directly executed based on the information review result, further accelerating the execution efficiency of the financial business.

[0063] Embodiment 2

[0064] Figure 2 This is a flow chart of an information review method based on financial business provided in the second embodiment of the present invention. Based on the above embodiments, this embodiment further optimizes the above information review method based on financial business.

[0065] Furthermore, the step "determine the information audit result of the user to be audited according to the target characteristic data" is refined into "determine the rule-based business audit method and the model-based business audit method of the target financial business; determine the first audit result based on the rule-based business audit method according to the target characteristic data; and determine the second audit result based on the model-based business audit method according to the target characteristic data; determine the information audit result of the user to be audited according to the first audit result and the second audit result." to improve the way of auditing user information. Figure 2 As shown, the method includes:

[0066] S210 . In response to a business application operation of the user to be reviewed for a target financial business, basic user information and user behavior information of the user to be reviewed are obtained.

[0067] S220: Perform feature processing on the user basic information and the user behavior information to obtain user feature data.

[0068] S230: Perform feature screening on the user feature data to obtain target feature data.

[0069] S240. Determine the rule-based business review method and model-based business review method for the target financial business.

[0070] The rule-based business review method may be a method for reviewing the business application operation of a financial business based on a pre-set review rule, and the specific review rule may be set by a technician based on experience. For example, when initiating a credit card account application operation, the target feature data obtained may be reviewed based on pre-set rules such as age not less than 18 years old and annual income value not less than 50,000 yuan.

[0071] The model business review method may be to use a pre-trained classification model to conduct a rationality assessment on the business application operation of the initiated target financial business. Specifically, the rationality of the application operation of the initiated target financial business may be assessed based on the financial data, historical credit records, and income status in the user feature data.

[0072] It should be noted that different financial businesses have their corresponding rule-based business review methods and model-based business review methods, and the rule-based business review methods and model-based business review methods corresponding to different financial businesses are completely different.

[0073] S250. Determine a first audit result according to the target feature data and based on a rule-based business audit method.

[0074] Among them, the first audit result can be an audit result obtained by auditing the user's basic information based on a rule-based business audit method, and can include passed and failed audit results.

[0075] For example, continuing the above example, for credit card account application, the pre-set rules are that the age is not less than 18 years old, the annual income is not less than 50,000 yuan, etc. If the target feature data obtained is 20 years old and the annual income is 100,000 yuan, then the first audit result can be determined to be approved; if the target feature data obtained is 17 years old and the annual income is 50,000 yuan, then the first audit result can be determined to be unapproved. This embodiment does not make specific restrictions on this.

[0076] S260. Determine a second audit result according to the target feature data and based on the model business audit method.

[0077] For example, if the target financial business is a loan application operation, the historical credit records and income status in the target feature data can be obtained. If there are no credit records such as loan overdue or credit card overdue in the historical credit records obtained, and the income status is relatively stable, with an average annual income of 200,000 yuan, the second audit result can be considered to be approved; if there are three or more overdue records in the historical credit records obtained within half a year, and the income status fluctuates greatly, the second audit result can be considered to be unsuccessful. This example does not make specific restrictions on this.

[0078] S270: Determine the information audit result of the user to be audited based on the first audit result and the second audit result.

[0079] Among them, the information review result of the user to be reviewed can be determined specifically as follows: if the first review result and the second review result are both passed, then the information review result of the user to be reviewed can be passed; if any of the first review result and the second review result is failed, then the information review result of the user to be reviewed can be failed.

[0080] Optionally, before determining the second audit result according to the target feature data and based on the model business audit method, it also includes: obtaining historical feature data generated by historical users' business application operations for the target financial business in a historical time period, and historical audit results corresponding to the historical feature data; inputting the historical feature data of the historical users and their corresponding historical audit results into a pre-built classification model for processing, and obtaining a predicted audit result output by the classification model; training the classification model according to the historical audit results and predicted audit results of the historical users until the preset model training end conditions are met, and obtaining a business audit model for the target financial business; and using the business audit model as the model business audit method for the target financial business.

[0081] Among them, the historical audit results can be the information audit results corresponding to the target financial business obtained according to the user characteristic data in the historical time period, which can include passed and failed audits.

[0082] Specifically, the user feature data and the corresponding historical audit results obtained according to the target financial business in the historical time period can be used as model inputs and input into the pre-trained classification model to obtain the classification model's predicted audit results for the target financial business. The classification model is trained using the predicted audit results and historical audit results, and the accuracy and precision of the classification model are calculated, and the model parameters are adjusted according to the accuracy and precision; until the classification model meets the preset training end conditions, the business audit model of the target financial business is obtained, and the business audit model is used as the model business audit method for the target financial business. The training end conditions can be meeting the preset number of training times, or meeting the preset training time, etc., which can be pre-set by technical personnel based on experience.

[0083] This technical solution can train the classification model according to the historical feature data and the corresponding historical audit results in the historical time period, as well as the preset audit results of the classification model, and then obtain the business audit model of the target financial business, thereby improving the flexibility of the business information audit method and the accuracy of the information audit.

[0084] S280. Determine whether to execute the business application of the user to be reviewed for the target financial business based on the information review result.

[0085] The technical solution of the embodiment of the present invention obtains the user basic information and user behavior information of the user to be reviewed by responding to the business application operation of the user to be reviewed for the target financial business; performs feature processing on the user basic information and user behavior information to obtain user feature data; performs feature screening on the user feature data to obtain target feature data; and determines the information review result of the user to be reviewed based on the target feature data and the rule business review method and model business review method of the target financial business. This technical solution can determine the corresponding business review method according to the target financial business, review the target feature data of the user to be reviewed, so as to obtain the information review result of the user to be reviewed, optimize the information review method of the financial business, and improve the accuracy of the information review of the financial business, as well as the efficiency of the information review.

[0086] Embodiment 3

[0087] Figure 3 The present invention provides a schematic diagram of the structure of an information review device based on financial services in the third embodiment of the present invention. The present invention provides an information review device based on financial services, which can be used to review the identity information of users who apply for financial services. The information review device based on financial services can be implemented in the form of hardware and / or software, such as Figure 3 As shown, it specifically includes: an information acquisition module 310, a feature data acquisition module 320, a feature data screening module 330, an audit result determination module 340 and an execution module 350. Among them,

[0088] The information acquisition module 310 is used to obtain basic user information and user behavior information of the user to be reviewed in response to the business application operation of the user to be reviewed for the target financial business.

[0089] The feature data acquisition module 320 is used to perform feature processing on the user basic information and the user behavior information to obtain user feature data.

[0090] The feature data screening module 330 is used to screen the user feature data to obtain target feature data.

[0091] The audit result determination module 340 is used to determine the information audit result of the user to be audited according to the target characteristic data.

[0092] The execution module 350 is used to determine whether to execute the business application of the user to be reviewed for the target financial business according to the information review result.

[0093] This technical solution can obtain the target characteristic data of the user based on the basic information and behavior information of the user to be reviewed. Then, based on the target characteristic data, the information review result of the user to be reviewed is determined, which improves the information review efficiency and accuracy of the financial business. At the same time, the business application for the target financial business can be directly executed based on the information review result, further accelerating the execution efficiency of the financial business.

[0094] Optionally, the audit result determination module 340 is specifically used to:

[0095] Determine the rule business review method and model business review method for the target financial business;

[0096] Determine a first audit result according to the target feature data and based on the rule-based business audit method; and

[0097] Determine a second audit result according to the target feature data and based on the model business audit method;

[0098] The information review result of the user to be reviewed is determined according to the first review result and the second review result.

[0099] Optionally, the device further includes a business audit model training module, which is used for, before determining the second audit result based on the target feature data and the model business audit method,

[0100] Acquire historical feature data generated by historical users performing business application operations for the target financial business in a historical time period, and historical review results corresponding to the historical feature data;

[0101] Inputting the historical feature data of the historical user and the corresponding historical audit results into a pre-built classification model for processing to obtain a predicted audit result output by the classification model;

[0102] According to the historical audit results of the historical users and the predicted audit results, the classification model is trained until a preset model training end condition is met, thereby obtaining a business audit model of the target financial business;

[0103] The business audit model is used as a model business audit method for the target financial business.

[0104] Optionally, the user characteristic data includes characteristic data under at least one information dimension; accordingly, the characteristic data screening module 330 is specifically used to:

[0105] Acquire historical user data of historical users performing business application operations on the target financial business in a historical time period, and historical feature data obtained by feature screening of the historical user data;

[0106] Determining a weight parameter value of each of the information dimensions according to the historical user data of the historical user and the corresponding historical feature data;

[0107] According to the weight parameter value of each of the information dimensions, the user feature data is subjected to feature screening to obtain target feature data.

[0108] Optionally, the feature data acquisition module 320 is specifically used to:

[0109] Generate target user information including the user basic information and the user behavior information;

[0110] If the information feature of the target user information is a category feature, performing vector space conversion on the target user information to obtain user feature data of the target user information; or,

[0111] If the information feature of the target user information is a numerical feature, the target user information is standardized or normalized to obtain user feature data of the target user information.

[0112] Optionally, the audit result determination module 340 is further configured to, after determining whether to execute the business application of the to-be-audited user for the target financial business according to the information audit result,

[0113] If it is determined according to the information review result that the business application of the to-be-reviewed user for the target financial business will not be executed, generating a business application failure prompt message;

[0114] Feedback the service application failure prompt information to the user to be reviewed, so that the user to be reviewed can determine whether to perform a second application operation;

[0115] If a secondary application operation of the user to be reviewed is received, the user modification information sent by the user to be reviewed is obtained;

[0116] Determine whether to conduct information review on the user to be reviewed based on the user modification information and the user basic information.

[0117] The information audit device based on financial business provided by the embodiment of the present invention can execute the information audit method based on financial business provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0118] Embodiment 4

[0119] Figure 4 A schematic diagram of the structure of an electronic device 40 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0120] like Figure 4 As shown, the electronic device 40 includes at least one processor 41, and a memory connected to the at least one processor 41, such as a read-only memory (ROM) 42, a random access memory (RAM) 43, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 41 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 42 or the computer program loaded from the storage unit 48 to the random access memory (RAM) 43. In RAM43, various programs and data required for the operation of the electronic device 40 can also be stored. The processor 41, ROM42 and RAM43 are connected to each other through a bus 44. An input / output (I / O) interface 45 is also connected to the bus 44.

[0121] A number of components in the electronic device 40 are connected to the I / O interface 45, including: an input unit 46, such as a keyboard, a mouse, etc.; an output unit 47, such as various types of displays, speakers, etc.; a storage unit 48, such as a disk, an optical disk, etc.; and a communication unit 49, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 49 allows the electronic device 40 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0122] The processor 41 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 41 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, digital signal processors (DSPs), and any appropriate processors, controllers, microcontrollers, etc. The processor 41 executes the various methods and processes described above, such as an information audit method based on financial services.

[0123] In some embodiments, the information audit method based on financial business can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 48. In some embodiments, part or all of the computer program can be loaded and / or installed on the electronic device 40 via the ROM 42 and / or the communication unit 49. When the computer program is loaded into the RAM 43 and executed by the processor 41, one or more steps of the information audit method based on financial business described above can be performed. Alternatively, in other embodiments, the processor 41 can be configured to execute the information audit method based on financial business by any other appropriate means (for example, by means of firmware).

[0124] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0125] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0126] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0127] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0128] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0129] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0130] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0131] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for information auditing based on financial services, characterized in that: include: In response to a business application operation of a user to be reviewed for a target financial business, obtaining basic user information and user behavior information of the user to be reviewed; Performing feature processing on the user basic information and the user behavior information to obtain user feature data; Performing feature screening on the user feature data to obtain target feature data; Determine the information review result of the user to be reviewed according to the target characteristic data; According to the information review result, it is determined whether to execute the business application of the to-be-reviewed user for the target financial business.

2. The method according to claim 1, characterized in that Determining the information review result of the user to be reviewed based on the target characteristic data includes: Determine the rule business review method and model business review method for the target financial business; Determine a first audit result according to the target feature data and based on the rule-based business audit method; and Determine a second audit result according to the target feature data and based on the model business audit method; The information review result of the user to be reviewed is determined according to the first review result and the second review result.

3. The method according to claim 2, characterized in that Before determining the second audit result according to the target feature data and based on the model business audit method, the method further includes: Acquire historical feature data generated by historical users performing business application operations for the target financial business in a historical time period, and historical review results corresponding to the historical feature data; Inputting the historical feature data of the historical user and the corresponding historical audit results into a pre-built classification model for processing to obtain a predicted audit result output by the classification model; According to the historical audit results of the historical users and the predicted audit results, the classification model is trained until a preset model training end condition is met, thereby obtaining a business audit model of the target financial business; The business audit model is used as a model business audit method for the target financial business.

4. The method according to claim 1, characterized in that: The user characteristic data includes characteristic data under at least one information dimension; accordingly, the characteristic screening of the user characteristic data to obtain target characteristic data includes: Acquire historical user data of historical users performing business application operations on the target financial business in a historical time period, and historical feature data obtained by feature screening of the historical user data; Determining a weight parameter value of each of the information dimensions according to the historical user data of the historical user and the corresponding historical feature data; According to the weight parameter value of each of the information dimensions, the user feature data is subjected to feature screening to obtain target feature data.

5. The method according to claim 1, characterized in that The performing feature processing on the user basic information and the user behavior information to obtain user feature data includes: Generate target user information including the user basic information and the user behavior information; If the information feature of the target user information is a category feature, performing vector space conversion on the target user information to obtain user feature data of the target user information; or, If the information feature of the target user information is a numerical feature, the target user information is standardized or normalized to obtain user feature data of the target user information.

6. The method according to claim 1, characterized in that After determining whether to execute the business application of the to-be-audited user for the target financial business according to the information audit result, the method further includes: If it is determined according to the information review result that the business application of the to-be-reviewed user for the target financial business will not be executed, generating a business application failure prompt message; Feedback the service application failure prompt information to the user to be reviewed, so that the user to be reviewed can determine whether to perform a second application operation; If a secondary application operation of the user to be reviewed is received, the user modification information sent by the user to be reviewed is obtained; Determine whether to conduct information review on the user to be reviewed based on the user modification information and the user basic information.

7. An information audit device based on financial services, characterized in that: include: An information acquisition module, configured to acquire basic user information and user behavior information of the user to be reviewed in response to the user's application operation for the target financial business; A feature data acquisition module is used to perform feature processing on the user basic information and the user behavior information to obtain user feature data; A feature data screening module, used to perform feature screening on the user feature data to obtain target feature data; An audit result determination module, used to determine the information audit result of the user to be audited according to the target characteristic data; An execution module is used to determine whether to execute the business application of the user to be reviewed for the target financial business according to the information review result.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the information audit method based on financial services according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the information audit method based on financial business according to any one of claims 1 to 6 when executed.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the computer program implements the information audit method based on financial services according to any one of claims 1 to 6.

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