Application information processing method and device, equipment and readable storage medium

Abstract

The invention relates to an application information processing method and device, equipment and a readable storage medium. The method comprises the following steps: configuring risk early warning information, and obtaining application information of a target object; when the application information comprises at least one early warning object in the risk early warning information, determining an early warning level of the early warning object from the risk early warning information; based on the early warning object and the early warning level, determining a target auditing process from multiple pieces of pre-configured application information; and based on the target auditing process, auditing the application information to obtain an auditing result of the target object. By adopting the method, the application information in various scenes can be audited and processed.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, apparatus, device, and computer-readable storage medium for processing application information. Background Art

[0002] Risk process control is particularly important for resource application systems, especially those targeting internet customers. Through effective risk process control, the system can predict and respond to potential risks, avoid or reduce losses caused by risk events, and thus ensure the stable development of the enterprise. However, the business scenarios involving risk process control often change with market fluctuations. Therefore, to ensure normal customer transactions while keeping risks under control, a simple and flexible risk process control method is necessary.

[0003] In the existing technology, when developing and designing a resource application system, all scenarios involving risk process control are usually considered. After the system is launched, only the scenarios designed in the early stage can effectively control the risk process. However, if new scenarios require risk process control, the system code can only be modified to adapt, and flexible real-time modifications cannot be achieved. Summary of the Invention

[0004] Based on this, it is necessary to provide a method, device, equipment and computer-readable storage medium for processing application information that can cover various scenarios in response to the above technical problems.

[0005] In a first aspect, the present application provides a method for processing application information, the method comprising:

[0006] Configure risk warning information and obtain application information of target objects;

[0007] When the application information includes at least one warning object in the risk warning information, determining the warning level of the warning object from the risk warning information;

[0008] Determining a target audit process from a plurality of pre-configured audit processes based on the warning object and the warning level;

[0009] Based on the target review process, the application information is reviewed to obtain the review result of the target object.

[0010] In one embodiment, determining a target audit process from a plurality of pre-configured audit processes based on the warning object and the warning level includes:

[0011] Determine the associated warning objects associated with each review process and the associated warning levels of the associated warning objects;

[0012] Determining, from the associated warning objects and the associated warning levels, a target warning object and a target warning level that match the warning object and the warning level;

[0013] The audit process corresponding to the target warning object and the target warning level is determined as the target audit process.

[0014] In one embodiment, determining a target audit process from a plurality of pre-configured audit processes based on the warning object and the warning level includes:

[0015] Get preset related information;

[0016] Determining a target identifier associated with the warning object and the warning level based on the association information;

[0017] Based on the target identifier, a target audit process is determined from a plurality of pre-configured audit processes.

[0018] In one embodiment, the method further comprises:

[0019] receiving an information configuration request, the information configuration request including at least one of a warning information configuration request, a process configuration request, and a related information configuration request; the warning information configuration request including at least one of a request to add warning information and a request to modify warning information; the process configuration request including at least one of a request to add a process and a request to modify a process; and the related information configuration request including at least one of a request to add related information and a request to modify related information;

[0020] Based on the information configuration request, the corresponding configured information is updated; the configured information includes the configured risk warning information, the configured review process, and the preset related information.

[0021] In one embodiment, obtaining the preset association information includes:

[0022] Acquire a first time interval indicating that the risk warning information is valid;

[0023] determining any subinterval in the first time interval;

[0024] Preset association information is determined based on any one of the subintervals.

[0025] In one embodiment, the review process includes a first node and a second node; the method further includes:

[0026] Determining a plurality of first candidate processes that are allowed to be configured on the first node and a plurality of second candidate processes that are allowed to be configured on the second node;

[0027] configuring at least one of the first candidate processes at the first node;

[0028] Based on the first candidate process configured in the first node, configuring at least one of the second candidate processes in the second node;

[0029] The review process is obtained based on the configured first node and the second node; the execution order of the second candidate process configured at the second node is later than the execution order of the first candidate process configured at the first node.

[0030] In one embodiment, the review of the application information based on the target review process to obtain the review result of the target object includes:

[0031] Reviewing the application information based on the first candidate processes configured in the first node to obtain a first review result;

[0032] Based on the first review result, the application information is reviewed according to the second candidate processes configured in the second node to obtain the review result of the target object.

[0033] In a second aspect, the present application provides a device for processing application information, the device comprising:

[0034] Information configuration module, used to configure risk warning information and obtain application information of target objects;

[0035] a matching module, configured to determine a warning level of the warning object from the risk warning information when the application information includes at least one warning object in the risk warning information;

[0036] A process determination module, configured to determine a target audit process from a plurality of pre-configured audit processes based on the warning object and the warning level;

[0037] The information review module is used to review the application information based on the target review process and obtain the review result of the target object.

[0038] In a third aspect, the present application provides a computer device comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the above method when executing the computer program.

[0039] In a fourth aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, which implements the steps of the above method when executed by a processor.

[0040] The above-mentioned application information processing method, device, equipment and computer-readable storage medium configure risk warning information and obtain application information of the target object; when the application information includes at least one warning object in the risk warning information, determine the warning level of the warning object from the risk warning information; based on the warning object and the warning level, determine the target review process from multiple pre-configured review processes; based on the target review process, review the application information and obtain the review result of the target object. In this way, when configuring the risk warning information, multiple warning objects can be configured in the risk warning information, so that the review of application information for different warning objects can be met through the multiple warning objects in the configured risk warning information and the matched target review process, thereby achieving comprehensive coverage of application scenarios. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the following briefly introduces the drawings required for use in the embodiments of the present application or related technical descriptions. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying any creative work.

[0042] Figure 1 A diagram of an application environment of a method for processing application information in one embodiment;

[0043] Figure 2 A flowchart of a method for processing application information in one embodiment is shown;

[0044] Figure 3 A schematic diagram of a processing flow for application information in another embodiment;

[0045] Figure 4 A structural block diagram of an application information processing device in one embodiment;

[0046] Figure 5 FIG. 1 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0047] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0048] The application information processing method provided in the embodiment of the present application can be applied to Figure 1In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. The server 104 configures the risk warning information and obtains the application information of the target object; when the application information includes at least one warning object in the risk warning information, the server 104 determines the warning level of the warning object from the risk warning information; based on the warning object and the warning level, the server 104 determines the target review process from multiple pre-configured review processes; based on the target review process, the server 104 reviews the application information and obtains the review result of the target object. Among them, the terminal 102 can be, but is not limited to, various personal computers, laptops, smart phones and tablets. The server 104 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides cloud computing services.

[0049] In an exemplary embodiment, Figure 2 As shown, a method for processing application information is provided, which is applied to Figure 1 The server in the example is used to illustrate, specifically:

[0050] S202: Configure risk warning information and obtain application information of the target object.

[0051] Risk warning information is configured on the server by staff, and application information is provided to the server by the target. For example, staff configure risk warning information on the server, and the server also receives application information from the target. Specifically, risk warning information can be configured on the server by staff periodically or at any time. Risk warning information includes multiple warning targets.

[0052] Application information is used to apply for resources provided by an enterprise, for example. For example, if an enterprise offers Class A resources, the application information provided by the target user to the enterprise's server can be used to apply for Class A resources. Application information can be sent directly to the enterprise's server online via a terminal, or submitted offline via paper or electronic documents.

[0053] In some embodiments, risk warning information includes a risk warning batch, risk warning level, warning target type, warning target number, warning target name, warning start time, warning end time, and status. The risk warning batch is the number of the risk warning information configured for this batch, and risk warning batches cannot overlap with previous batches. Warning targets are basic items defined based on business scenarios. For example, they may include organizations, products, merchants, teams, individuals, or positions within the enterprise that receive application information. The warning target number is the specific number of the warning target. For example, the organization number, product code, merchant number, team number, individual number, or position code. The warning target name is the Chinese name corresponding to the warning target number. For example, warning target number 001 represents organization XX. The warning start time is the effective date of the risk warning information configured for this batch. The warning end time is the expiration date of the risk warning information configured for this batch. The status is used to determine whether the risk warning information is effective. The warning level is the risk level of the warning target, which is determined based on the warning target's business information over a historical period. For example, the warning level of an account manager is determined based on the loan amount and loan delinquency rate of the previous month. Different warning levels may correspond to different review processes.

[0054] Optionally, the server configures risk warning information in response to an information configuration request triggered by a staff member, and receives application information provided by the target object after the target object submits the application information online or offline.

[0055] S204: When the application information includes at least one warning object in the risk warning information, determine the warning level of the warning object from the risk warning information.

[0056] In some embodiments, if the application information does not include any warning object in the risk warning information, it enters the manual review stage, and reviews the application information through manual review to obtain the review result of the application information provided by the target object.

[0057] Optionally, when the application information includes at least one warning object in the risk warning information, the server determines the warning object included in the application information, and determines the warning level of the included warning object from the configured risk warning information.

[0058] S206: Based on the warning object and the warning level, a target audit process is determined from a plurality of pre-configured audit processes.

[0059] The review process is a process for reviewing application information. The review process can be configured on the server by staff on a regular basis or at any time.

[0060] Optionally, the server determines a target review process for reviewing the application information from a plurality of pre-configured review processes based on the warning objects included in the application information and the warning levels of the warning objects.

[0061] S208: Based on the target review process, the application information is reviewed to obtain the review result of the target object.

[0062] The application review process may involve multiple rounds of review. For example, the application may undergo preliminary review, re-review, and final review. Review results may include approval, rejection, or application cancellation. For example, preliminary review approval or preliminary review rejection.

[0063] Optionally, the server reviews the application information provided by the target object based on the matched target review process, and obtains a review result of the application information provided by the target object.

[0064] In the above-mentioned method for processing application information, risk warning information is configured and the application information of the target object is obtained; when the application information includes at least one warning object in the risk warning information, the warning level of the warning object is determined from the risk warning information; based on the warning object and the warning level, the target review process is determined from multiple pre-configured review processes; based on the target review process, the application information is reviewed to obtain the review result of the target object. In this way, when configuring the risk warning information, multiple warning objects can be configured in the risk warning information, so that the review of application information in various scenarios can be met based on the multiple warning objects in the configured risk warning information.

[0065] In an exemplary embodiment, based on the warning object and the warning level, a target review process is determined from a plurality of pre-configured review processes, including:

[0066] Determine the associated warning objects associated with each review process, as well as the associated warning levels of the associated warning objects;

[0067] Determine, from the associated warning objects and the associated warning levels, a target warning object and a target warning level that match the warning object and the warning level;

[0068] The audit process corresponding to the target warning object and the target warning level is determined as the target audit process.

[0069] The associated warning objects associated with each audit process may be warning objects configured in the audit process. For example, when configuring the audit process, the associated warning objects and their associated warning levels are also configured in the audit process.

[0070] When matching target warning objects and target warning levels, the target warning object can be first determined from the associated warning objects based on the warning object. Then, based on the warning level, the target warning level can be determined from the associated warning levels of the target warning object, thereby determining the target review process. For example, review process A is associated with associated warning object A1 and its associated warning level A2, and review process B is associated with its associated warning object A1 and its associated warning level A3. The warning object is a1, and its warning level is a2. A1 matches a1, and a2 matches A2. First, based on warning object a1, target warning object A1 is determined. Then, based on a2, A2 is determined as the target warning level from the associated warning levels A2 and A3 of target warning object A1. In this case, review process A corresponding to target warning object A1 and target warning level A2 is the target review process.

[0071] In some embodiments, when determining a target review process, the system may first determine alternative review processes that match the warning object based on the associated warning objects associated with each review process, and then determine a target review process that matches the warning level from the associated warning levels of each alternative review process. Matching the warning object means that the associated warning object is consistent with the warning object, and matching the warning level means that the warning level is consistent with the associated warning level.

[0072] Optionally, the server determines the associated warning objects and associated warning levels associated with each review process. The server first determines a target warning object from the associated warning objects based on the warning object, then determines a target warning level from the associated warning levels of the target warning object based on the warning level, and then determines the review process corresponding to the target warning object and the target warning level as the target review process.

[0073] In this embodiment, by separately determining the warning object and its warning level associated with each review process, and accurately matching the target warning object and target warning level based on the warning object and warning level in the application information, it is possible to ensure that the most appropriate review process is matched to each application information. This allows applications with different warning objects and warning levels to be matched to the corresponding review process. Furthermore, dynamically matching review processes based on warning objects and warning levels can enhance the flexibility of the system.

[0074] In an exemplary embodiment, based on the warning object and the warning level, a target review process is determined from a plurality of pre-configured review processes, including:

[0075] Get the preset association information.

[0076] Based on the associated information, a target identifier associated with the warning object and the warning level is determined.

[0077] Based on the target identifier, a target review process is determined from multiple pre-configured review processes.

[0078] The associated information is used to associate risk warning information with the review process. Associated information can be configured on the server by staff periodically or at any time. There can be multiple associated information items.

[0079] In some embodiments, the association information includes identification information, an association type, and an association scope. The identification information is the identifier of the review process associated with the association information. The association category is the warning object in the risk warning information, such as an organization, product, merchant, team, person, position, etc. The association scope corresponds to the warning level of the warning object in the risk warning information. The target identifier is determined by determining the association category and association scope that match the warning object and warning level from the preset association information based on the warning object and warning level in the application information, and determining the identifier in the same association information as the association category and association scope as the target identifier. For example, association information 1 includes identification 001, association category A1, and association scope B1, and association information 2 includes identification 002, association category A2, and association scope B2. The application information includes warning object a1 and warning level b1 of the warning object. If a1 matches A1, and B1 matches b1, then identification 001 associated with association category A1 and association scope B1 is the target identifier.

[0080] The pre-configured audit process also includes identification information, so that a target audit process can be determined from multiple audit processes based on the target identification.

[0081] In some embodiments, the association information includes an association batch, an association name, identification information, an association type, an association range, an association start time, an association end time, and an association status. The association batch uniquely identifies the association information, and each batch of association information is unique. The association name briefly describes the association information. The association start time is the effective date of the association information. The association end time is the effective date of the association information. The association status is used to determine whether the association information is effective.

[0082] In some embodiments, if a correlation type needs to be associated with multiple review processes, this can be achieved by configuring multiple pieces of correlation information, wherein the identification information in each piece of correlation information is different.

[0083] In some embodiments, if a correlation type has multiple warning levels or multiple correlation scopes, and the review processes required for each correlation scope are different, multiple correlation information pieces can be configured, wherein the correlation scope and identification information in each correlation information piece are different.

[0084] Optionally, the server obtains preset association information. Based on the warning object and warning level in the application information, the server determines, from the preset association information, an association category and association range that match the warning object and warning level, and determines an identifier associated with the association category and association range as a target identifier. Based on the target identifier and identifiers from the pre-configured multiple review processes, the server determines a target review process from the multiple review processes.

[0085] In this embodiment, by determining the target review process from multiple pre-configured review processes based on the target identifier, the possibility of human intervention is reduced, and the processing efficiency and consistency are improved, thereby speeding up the review process. At the same time, it can ensure that each application information can be reviewed according to the most suitable review process.

[0086] In an exemplary embodiment, the method for processing application information further includes:

[0087] An information configuration request is received, the information configuration request including at least one of an early warning information configuration request, a process configuration request, and a related information configuration request. The early warning information configuration request includes at least one of a request to add early warning information and a request to modify early warning information. The process configuration request includes at least one of a request to add a process and a request to modify a process. The related information configuration request includes at least one of a request to add related information and a request to modify related information.

[0088] Based on the information configuration request, the corresponding configured information is updated. The configured information includes the configured risk warning information, the configured review process, and the preset related information.

[0089] The information configuration request can be sent by a staff member via a terminal connected to the server. The information configuration request can be one of: an early warning information configuration request, a process configuration request, or a related information configuration request; two of these; or all three. Information configuration requests can be periodically configured on the server by a staff member via a terminal, or they can be configured at any time via a terminal.

[0090] In some embodiments, if the information configuration request is a warning information configuration request, the server will update the configured risk warning information.

[0091] In some embodiments, if the information configuration request is a warning information configuration request and a process configuration request, the server will update the configured risk warning information and review process.

[0092] In some embodiments, if the information configuration request is a warning information configuration request, a process configuration request, or a related information configuration request, the server will update the configured risk warning information, review process, and related information.

[0093] Optionally, the server receives an information configuration request sent by a staff member via a terminal. The information configuration request includes at least one of an early warning information configuration request, a process configuration request, and a related information configuration request. The early warning information configuration request includes at least one of a request to add early warning information and a request to modify early warning information. The process configuration request includes at least one of a request to add a process and a request to modify a process. The related information configuration request includes at least one of a request to add related information and a request to modify related information. Based on the received information configuration request, the server updates the corresponding configured information. The configured information includes configured risk early warning information, configured review processes, and preset related information.

[0094] In this embodiment, by receiving information configuration requests and updating the corresponding configured information based on the information configuration requests, risk warning information, review processes, and related information can be dynamically added or modified based on actual circumstances. This enables the system to quickly respond to changes in the external environment or adjustments to internal management needs, enhancing the system's flexibility and adaptability. Furthermore, it ensures that risk warning information is always up to date, promptly reflecting the latest risk trends, helping to improve the accuracy and timeliness of risk identification, thereby enabling more effective risk management.

[0095] In an exemplary embodiment, obtaining preset association information includes:

[0096] Obtain the first time interval representing the validity of risk warning information.

[0097] Determine any subinterval in the first time interval.

[0098] The preset association information is determined based on any sub-interval.

[0099] The first time interval is obtained from the configured risk warning information. For example, if the configured risk warning information has an effective date of January 1, 2025, and an expiration date of February 1, 2025, then the first effective time interval of the risk warning information is from January 1, 2025 to February 1, 2025.

[0100] Any subinterval in the first time interval refers to any time period in the first time interval. For example, continuing with the above example, any subinterval may be from January 2, 2025 to January 20, 2025.

[0101] The association start and end times in the association information can be determined based on any subinterval. The association start time is the time when the association information takes effect. The association end time is the time when the association information expires. For example, continuing with the above example, January 2, 2025, can be configured as the association start time in the association information, and January 20, 2025, can be configured as the association end time. The association information will be valid from January 2, 2025, to January 20, 2025.

[0102] The association start time and the association end time in the association information can be determined by the staff according to any sub-interval and then configured in the server, or can be automatically generated by the server according to any sub-interval.

[0103] Optionally, the server obtains a first time interval representing the validity of the risk warning information from the configured risk warning information and determines any subinterval within the first time interval. Based on any subinterval, the staff sends an instruction to set an association start time and an association end time to the server. The server receives the instruction and configures the association start time and association end time in the association information based on the start time and end time carried in the instruction.

[0104] In this embodiment, by obtaining the first time interval representing the validity of the risk warning information, determining any sub-interval in the first time interval, and determining the preset associated information based on any sub-interval, it can be ensured that the risk warning information associated with the associated information is all valid.

[0105] In an exemplary embodiment, the audit process includes a first node and a second node. The method further includes:

[0106] A plurality of first candidate processes that are allowed to be configured on the first node and a plurality of second candidate processes that are allowed to be configured on the second node are determined.

[0107] At least one first candidate process is configured at the first node.

[0108] Based on the first candidate process configured in the first node, at least one second candidate process is configured in the second node.

[0109] The audit process is obtained based on the configured first node and the second node. The execution order of the second candidate process configured on the second node is later than the execution order of the first candidate process configured on the first node.

[0110] Among them, multiple first candidate processes and multiple second candidate processes can be pre-set by the staff. Multiple first candidate processes include but are not limited to identification object identification, preliminary review conclusion, preliminary review reason code, review conclusion, and review review reason code. Multiple second candidate processes include but are not limited to preliminary review conclusion, preliminary review reason code, review conclusion, review review reason code, final review conclusion, and final review reason code. Specifically, multiple first candidate processes include but are not limited to: (1) identification object identification; (2) preliminary review conclusion, which can be passed / rejected / cancelled; (3) preliminary review reason code, which can be 0000 to 9999; (4) review conclusion, which can be passed / rejected / cancelled; (5) review review reason code, which can be 0000 to 9999. The multiple second candidate processes include but are not limited to: (1) preliminary review conclusion, which can be passed / rejected / cancelled; (2) preliminary review reason code, which can be from 0000 to 9999; (3) review conclusion, which can be from passed / rejected / cancelled; (4) review reason code, which can be from 0000 to 9999; (5) final review conclusion, which can be from passed / rejected / cancelled; (6) final review reason code, which can be from 0000 to 9999. Different code values ​​represent different rejection reasons, and the rejection reason for each code value is configured by the staff. The object identifier is determined by the qualification information in the application information provided by the target object.

[0111] In some embodiments, the conditions for the initial review and the review are inconsistent. Specifically, based on the target review process, the application information is reviewed to obtain the review results of the target object, including: based on the target review process and the collected customer information, the application information is reviewed to obtain the review results of the target object. For example, the customer information obtained during the initial review is limited, and may only have basic information such as the customer's name, ID number, and mobile phone number. During the review, the customer's unit, occupation, income, home address, contact person, etc. are collected, and a review can be conducted based on all the collected customer information. In some embodiments, identifying the customer identifier can be performed before any one or more processes in the initial review, review, and final review, such as Figure 3 shown.

[0112] The second candidate process configured on the second node is executed later than the first candidate process configured on the first node. The configuration of the second candidate process on the second node depends on the configuration of the first candidate process on the first node. For example, if the initial review of the first candidate process is configured on the first node, only the review and final review can be configured on the second node, not the initial review.

[0113] When reviewing the application information, the first candidate process configured by the first node is executed first, and then the second candidate process configured by the second node is executed.

[0114] In some embodiments, the audit process includes, but is not limited to, identification information, a process name, a process status, a first node, and a second node. The identification information is a unique identifier for the audit process, the process name is a brief description of the audit process, and the process status is used to determine whether the audit process is effective.

[0115] In some embodiments, the review process can be periodically configured in the server by staff, or can be configured by staff at any time.

[0116] Optionally, the server determines multiple first candidate processes that are allowed to be configured on the first node and multiple second candidate processes that are allowed to be configured on the second node. The server configures at least one first candidate process on the first node. Based on the first candidate process configured on the first node, the server configures at least one second candidate process on the second node. The server obtains a review process based on the configured first and second nodes. The execution order of the second candidate processes configured on the second node is later than the execution order of the first candidate processes configured on the first node.

[0117] This embodiment provides a high degree of customization by configuring at least one candidate process on both the first and second nodes. This allows for the configuration of the most appropriate process combination based on specific business needs, adapting to diverse application scenarios. By configuring at least one second candidate process on the second node based on the first candidate process configured on the first node, the configuration of the second node is based on the selected process on the first node, thus avoiding process logic conflicts.

[0118] In an exemplary embodiment, based on the target review process, the application information is reviewed to obtain the review results of the target object, including:

[0119] Based on the various first candidate processes configured in the first node, the application information is reviewed to obtain a first review result.

[0120] Based on the first review result, the application information is reviewed according to the second candidate processes configured in the second node to obtain the review result of the target object.

[0121] The second node's review of application information must be considered in conjunction with the review results from the first node. For example, if the target object's object identifier is determined to be C1 in the first node, the client will be subject to one or more of the following reviews: preliminary review, re-review, or final review, based on the target object's qualifications and the second candidate process configured in the second node of the review process. For another example, if the first node's review determines that the target object "failed the preliminary review," then the review according to the second candidate process configured in the second node will be based on this "failed the preliminary review" conclusion.

[0122] Optionally, the server reviews the application information provided by the target subject based on the first candidate processes configured in the first node of the target review process, and obtains a first review result of the first node. When the server reviews the application information according to the second candidate processes configured in the second node, it combines the first review result of the first node to obtain a review result of the application information provided by the target subject.

[0123] In this embodiment, preliminary screening and review are achieved by reviewing the application information based on the first candidate processes configured in the first node. Then, based on the first review results, further review is performed at the second node according to the configured second candidate processes. This layered review method makes the review process more detailed and comprehensive, and can evaluate the application information from different levels and dimensions, thereby improving the accuracy and reliability of the review.

[0124] This application also provides an application scenario, which applies the above-mentioned application information processing method. Specifically, the application of the application information processing method in this application scenario is as follows:

[0125] The server configures risk warning information in response to the information configuration request triggered by the staff, and receives the application information provided by the target object after the target object submits the application information online or offline.

[0126] The server obtains a first time interval representing the validity of the risk warning information from the configured risk warning information and determines any subinterval within the first time interval. Based on any subinterval, a staff member sends an instruction to set an association start time and an association end time to the server. The server receives the instruction and configures the association start time and association end time in the association information based on the start time and end time contained in the instruction.

[0127] The server determines multiple first candidate processes that are allowed to be configured on the first node and multiple second candidate processes that are allowed to be configured on the second node. The server configures at least one first candidate process on the first node. Based on the first candidate process configured on the first node, the server configures at least one second candidate process on the second node. The server obtains an audit process based on the configured first and second nodes. The execution order of the second candidate processes configured on the second node is later than the execution order of the first candidate processes configured on the first node.

[0128] When the application information includes at least one warning object in the risk warning information, the server determines the warning object included in the application information, and determines the warning level of the included warning object from the configured risk warning information.

[0129] The server determines the associated warning objects and associated warning levels associated with each review process. The server first determines the target warning object from the associated warning objects based on the warning object. Then, based on the warning level, the server determines the target warning level from the associated warning levels of the target warning object. Finally, the review process corresponding to the target warning object and target warning level is determined as the target review process.

[0130] The server can also obtain preset association information, and according to the warning object and warning level in the application information, determine the association category and association range that match the warning object and warning level from the preset association information, and determine the identifier associated with the association category and association range as the target identifier. The server determines the target review process from multiple review processes based on the target identifier and the identifiers in the pre-configured multiple review processes.

[0131] The server reviews the application information provided by the target object based on the first candidate processes configured in the first node of the target review process, and obtains a first review result of the first node. When the server reviews the application information according to the second candidate processes configured in the second node, it combines the first review result of the first node to obtain a review result of the application information provided by the target object.

[0132] It should be understood that, although the various steps in the flowcharts involved in the various embodiments described above are displayed in sequence according to the instructions of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowcharts involved in the various embodiments described above can include multiple steps or multiple stages, and these steps or stages are not necessarily executed and completed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0133] Based on the same inventive concept, embodiments of the present application also provide an application information processing device for implementing the aforementioned application information processing method. The solution provided by this device is similar to the solution described in the aforementioned method. Therefore, the specific limitations of one or more application information processing device embodiments provided below can be found in the aforementioned limitations of the application information processing method and will not be further elaborated here.

[0134] In an exemplary embodiment, Figure 4 As shown, a device for processing application information is provided, comprising:

[0135] Information configuration module 402, used to configure risk warning information and obtain application information of the target object;

[0136] A matching module 404 is configured to determine a warning level of the warning object from the risk warning information when the application information includes at least one warning object in the risk warning information;

[0137] A process determination module 406 is used to determine a target audit process from a plurality of pre-configured audit processes based on the warning object and the warning level;

[0138] The information review module 408 is used to review the application information based on the target review process and obtain the review result of the target object.

[0139] In one embodiment, the process determination module is also used to: determine the associated warning objects associated with each audit process, and the associated warning levels of the associated warning objects; determine the target warning objects and target warning levels that match the warning objects and warning levels from the associated warning objects and associated warning levels; and determine the audit process corresponding to the target warning object and target warning level as the target audit process.

[0140] In one embodiment, the process determination module is also used to: obtain preset correlation information; determine the target identifier associated with the warning object and warning level based on the correlation information; and determine the target audit process from multiple pre-configured audit processes based on the target identifier.

[0141] In one embodiment, the application information processing device further includes:

[0142] An information receiving module, configured to receive information configuration requests; the information configuration requests include at least one of an early warning information configuration request, a process configuration request, and a related information configuration request; the early warning information configuration request includes at least one of a request to add early warning information and a request to modify early warning information; the process configuration request includes at least one of a request to add a process and a request to modify a process; and the related information configuration request includes at least one of a request to add related information and a request to modify related information;

[0143] The information update module is used to update the corresponding configured information based on the information configuration request; the configured information includes the configured risk warning information, the configured review process, and the preset related information.

[0144] In one embodiment, the process determination module is further configured to: obtain a first time interval indicating that the risk warning information is valid; determine any sub-interval in the first time interval; and determine preset associated information based on any sub-interval.

[0145] In one embodiment, the review process includes a first node and a second node; the application information processing device further includes:

[0146] a candidate process determination module, configured to determine a plurality of first candidate processes that are allowed to be configured at a first node and a plurality of second candidate processes that are allowed to be configured at a second node;

[0147] A first process configuration module, configured to configure at least one first candidate process at the first node;

[0148] A second process configuration module, configured to configure at least one second candidate process on the second node based on the first candidate process configured in the first node;

[0149] The process generation module is used to obtain the review process based on the configured first node and second node; the execution order of the second candidate process configured at the second node is later than the execution order of the first candidate process configured at the first node.

[0150] In one embodiment, the information review module is also used to: review the application information based on the first candidate processes configured in the first node to obtain a first review result; based on the first review result, review the application information according to the second candidate processes configured in the second node to obtain a review result of the target object.

[0151] Each module in the aforementioned application information processing device may be implemented in whole or in part through software, hardware, or a combination thereof. Each module may be embedded in or independent of a processor in a computer device in the form of hardware, or may be stored in a memory in the computer device in the form of software, so that the processor can call and execute the corresponding operations of each module.

[0152] In an exemplary embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as shown in FIG. Figure 5As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, abbreviated as I / O) and a communication interface. The processor, memory and input / output interface are connected via a system bus, and the communication interface is connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store risk warning information, application information, application information, and review results. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a method for processing application information is implemented.

[0153] Those skilled in the art will understand that Figure 5 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0154] In an exemplary embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0155] Configure risk warning information and obtain the application information of the target object; when the application information includes at least one warning object in the risk warning information, determine the warning level of the warning object from the risk warning information; based on the warning object and the warning level, determine the target review process from multiple pre-configured review processes; based on the target review process, review the application information and obtain the review result of the target object.

[0156] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0157] Determine the associated warning objects and associated warning levels associated with each audit process respectively; determine the target warning objects and target warning levels that match the warning objects and warning levels from the associated warning objects and associated warning levels; and determine the audit process corresponding to the target warning object and target warning level as the target audit process.

[0158] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0159] Obtain preset correlation information; based on the correlation information, determine the target identifier associated with the warning object and the warning level; based on the target identifier, determine the target review process from multiple pre-configured review processes.

[0160] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0161] Receive an information configuration request; the information configuration request includes at least one of an early warning information configuration request, a process configuration request, and a related information configuration request; the early warning information configuration request includes at least one of a new early warning information request and a modification early warning information request, the process configuration request includes at least one of a new process request and a modification process request, and the related information configuration request includes at least one of a new related information request and a modification related information request; based on the information configuration request, update the corresponding configured information; the configured information includes configured risk warning information, configured review process, and preset related information.

[0162] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0163] A first time interval representing the validity of risk warning information is obtained; any sub-interval in the first time interval is determined; and preset associated information is determined based on any sub-interval.

[0164] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0165] Determine multiple first candidate processes that are allowed to be configured at the first node and multiple second candidate processes that are allowed to be configured at the second node; configure at least one first candidate process at the first node; configure at least one second candidate process at the second node based on the first candidate process configured in the first node; obtain an audit process based on the configured first node and second node; the execution order of the second candidate processes configured at the second node is later than the execution order of the first candidate processes configured at the first node.

[0166] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0167] Based on the first candidate processes configured in the first node, the application information is reviewed to obtain a first review result; based on the first review result, the application information is reviewed according to the second candidate processes configured in the second node to obtain a review result of the target object.

[0168] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0169] Configure risk warning information and obtain the application information of the target object; when the application information includes at least one warning object in the risk warning information, determine the warning level of the warning object from the risk warning information; based on the warning object and the warning level, determine the target review process from multiple pre-configured review processes; based on the target review process, review the application information and obtain the review result of the target object.

[0170] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0171] Determine the associated warning objects and associated warning levels associated with each audit process respectively; determine the target warning objects and target warning levels that match the warning objects and warning levels from the associated warning objects and associated warning levels; and determine the audit process corresponding to the target warning object and target warning level as the target audit process.

[0172] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0173] Obtain preset correlation information; based on the correlation information, determine the target identifier associated with the warning object and the warning level; based on the target identifier, determine the target review process from multiple pre-configured review processes.

[0174] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0175] Receive an information configuration request; the information configuration request includes at least one of an early warning information configuration request, a process configuration request, and a related information configuration request; the early warning information configuration request includes at least one of a new early warning information request and a modification early warning information request, the process configuration request includes at least one of a new process request and a modification process request, and the related information configuration request includes at least one of a new related information request and a modification related information request; based on the information configuration request, update the corresponding configured information; the configured information includes configured risk warning information, configured review process, and preset related information.

[0176] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0177] A first time interval representing the validity of risk warning information is obtained; any sub-interval in the first time interval is determined; and preset associated information is determined based on any sub-interval.

[0178] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0179] Determine multiple first candidate processes that are allowed to be configured at the first node and multiple second candidate processes that are allowed to be configured at the second node; configure at least one first candidate process at the first node; configure at least one second candidate process at the second node based on the first candidate process configured in the first node; obtain an audit process based on the configured first node and second node; the execution order of the second candidate processes configured at the second node is later than the execution order of the first candidate processes configured at the first node.

[0180] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0181] Based on the first candidate processes configured in the first node, the application information is reviewed to obtain a first review result; based on the first review result, the application information is reviewed according to the second candidate processes configured in the second node to obtain a review result of the target object.

[0182] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0183] Configure risk warning information and obtain the application information of the target object; when the application information includes at least one warning object in the risk warning information, determine the warning level of the warning object from the risk warning information; based on the warning object and the warning level, determine the target review process from multiple pre-configured review processes; based on the target review process, review the application information and obtain the review result of the target object.

[0184] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0185] Determine the associated warning objects and associated warning levels associated with each audit process respectively; determine the target warning objects and target warning levels that match the warning objects and warning levels from the associated warning objects and associated warning levels; and determine the audit process corresponding to the target warning object and target warning level as the target audit process.

[0186] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0187] Obtain preset correlation information; based on the correlation information, determine the target identifier associated with the warning object and the warning level; based on the target identifier, determine the target review process from multiple pre-configured review processes.

[0188] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0189] Receive an information configuration request; the information configuration request includes at least one of an early warning information configuration request, a process configuration request, and a related information configuration request; the early warning information configuration request includes at least one of a new early warning information request and a modification early warning information request, the process configuration request includes at least one of a new process request and a modification process request, and the related information configuration request includes at least one of a new related information request and a modification related information request; based on the information configuration request, update the corresponding configured information; the configured information includes configured risk warning information, configured review process, and preset related information.

[0190] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0191] A first time interval representing the validity of risk warning information is obtained; any sub-interval in the first time interval is determined; and preset associated information is determined based on any sub-interval.

[0192] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0193] Determine multiple first candidate processes that are allowed to be configured at the first node and multiple second candidate processes that are allowed to be configured at the second node; configure at least one first candidate process at the first node; configure at least one second candidate process at the second node based on the first candidate process configured in the first node; obtain an audit process based on the configured first node and second node; the execution order of the second candidate processes configured at the second node is later than the execution order of the first candidate processes configured at the first node.

[0194] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0195] Based on the first candidate processes configured in the first node, the application information is reviewed to obtain a first review result; based on the first review result, the application information is reviewed according to the second candidate processes configured in the second node to obtain a review result of the target object.

[0196] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0197] Those skilled in the art will understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. In particular, any reference to memory, database, or other media used in the embodiments provided in this application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The databases involved in the various embodiments provided herein may include at least one of a relational database and a non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the various embodiments provided herein may be, but are not limited to, general-purpose processors, central processing units (CPUs), graphics processing units (GPUs), digital signal processors (DSPs), programmable logic devices (PLDs), quantum computing-based data processing logic devices, artificial intelligence (AI) processors, and the like.

[0198] The technical features of the above embodiments can be combined arbitrarily. In order to make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0199] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person of ordinary skill in the art may make various modifications and improvements without departing from the spirit of the present application, and these modifications and improvements fall within the scope of protection of the present application. Therefore, the scope of protection of the present application shall be determined by the appended claims.

Claims

1. A method for processing application information, characterized in that: The method comprises: Configure risk warning information and obtain application information of target objects; When the application information includes at least one warning object in the risk warning information, determining the warning level of the warning object from the risk warning information; Based on the warning object and the warning level, determining a target review process from a plurality of pre-configured application information; Based on the target review process, the application information is reviewed to obtain the review result of the target object.

2. The method according to claim 1, characterized in that The step of determining a target audit process from a plurality of pre-configured audit processes based on the warning object and the warning level includes: Determine the associated warning objects associated with each review process and the associated warning levels of the associated warning objects; Determining, from the associated warning objects and the associated warning levels, a target warning object and a target warning level that match the warning object and the warning level; The audit process corresponding to the target warning object and the target warning level is determined as the target audit process.

3. The method according to claim 1, characterized in that The step of determining a target audit process from a plurality of pre-configured audit processes based on the warning object and the warning level includes: Get preset related information; Determining a target identifier associated with the warning object and the warning level based on the association information; Based on the target identifier, a target audit process is determined from a plurality of pre-configured audit processes.

4. The method according to any one of claims 1 to 3, characterized in that The method further comprises: receiving an information configuration request; the information configuration request including at least one of an early warning information configuration request, a process configuration request, and a related information configuration request; the early warning information configuration request including at least one of a request to add early warning information and a request to modify early warning information, the process configuration request including at least one of a request to add a process and a request to modify a process, and the related information configuration request including at least one of a request to add related information and a request to modify related information; Based on the information configuration request, the corresponding configured information is updated; the configured information includes the configured risk warning information, the configured review process, and the preset related information.

5. The method according to claim 3, characterized in that The obtaining of preset associated information includes: Acquire a first time interval indicating that the risk warning information is valid; determining any subinterval in the first time interval; Preset association information is determined based on any one of the subintervals.

6. The method according to claim 3, characterized in that The review process includes a first node and a second node; the method further includes: Determining a plurality of first candidate processes that are allowed to be configured on the first node and a plurality of second candidate processes that are allowed to be configured on the second node; configuring at least one of the first candidate processes at the first node; Based on the first candidate process configured in the first node, configuring at least one of the second candidate processes in the second node; The review process is obtained based on the configured first node and the second node; the execution order of the second candidate process configured at the second node is later than the execution order of the first candidate process configured at the first node.

7. The method according to claim 6, characterized in that The process of reviewing the application information based on the target review process to obtain the review result of the target object includes: Reviewing the application information based on the first candidate processes configured in the first node to obtain a first review result; Based on the first review result, the application information is reviewed according to the second candidate processes configured in the second node to obtain the review result of the target object.

8. A device for processing application information, characterized in that: The device comprises: Information configuration module, used to configure risk warning information and obtain application information of target objects; a matching module, configured to determine a warning level of the warning object from the risk warning information when the application information includes at least one warning object in the risk warning information; A process determination module, configured to determine a target audit process from a plurality of pre-configured audit processes based on the warning object and the warning level; The information review module is used to review the application information based on the target review process and obtain the review result of the target object.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

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

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