CN113469801A - Method and device for determining audit result - Google Patents
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- CN113469801A CN113469801A CN202110736046.XA CN202110736046A CN113469801A CN 113469801 A CN113469801 A CN 113469801A CN 202110736046 A CN202110736046 A CN 202110736046A CN 113469801 A CN113469801 A CN 113469801A
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Abstract
The invention discloses a method and a device for determining an audit result, and relates to the technical field of automatic program design. One embodiment of the method comprises: generating and sending a credit investigation request corresponding to the target transaction; receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the authority of accessing a credit investigation system of a people bank; storing the data in the return information into a plurality of redundant tables; and determining auditing result information corresponding to the target transaction according to the data in the redundant tables. The embodiment can accurately evaluate the auditing result of the user, and is convenient for business handling related to client credit investigation.
Description
Technical Field
The invention relates to the technical field of automatic program design, in particular to a method and a device for determining an audit result.
Background
People's banks develop and operate credit investigation systems. However, the people's bank only provides interfaces of credit investigation systems for a few institutions, so that many other institutions, such as banks, insurance companies and the like, need to manually input credit investigation information and other data of customers. The client information, the client score card and other information in the system of many organizations often have imperfect and inaccurate conditions, so that the organization cannot accurately evaluate the auditing result of the user when performing the business related to the credit investigation of the client, and great inconvenience is brought to the organization for handling the business related to the credit investigation.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for determining an audit result, which can more accurately evaluate the audit result of a user, and facilitate an organization to perform business handling related to client credit.
In a first aspect, an embodiment of the present invention provides a method for determining an audit result, including:
generating and sending a credit investigation request corresponding to the target transaction;
receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the authority of accessing a credit investigation system of a people bank;
storing the data in the return information into a plurality of redundant tables;
and determining auditing result information corresponding to the target transaction according to the data in the redundant tables.
Optionally, the return information has a preset storage format, and the predicted storage format corresponds to a plurality of preset fields;
the storing the data in the return information into a plurality of redundant tables includes:
and storing the data in the return information into a plurality of redundancy tables by utilizing the corresponding relation between the redundancy tables and the preset fields.
Optionally, the storing the data in the return information into a plurality of redundant tables by using the corresponding relationship between the redundant tables and the preset fields includes:
determining a target library and a target table corresponding to the target field in the return information by using the corresponding relation between the redundant table and the preset field;
and storing the data corresponding to the target field in the return information into the target table of the target library.
Optionally, the storing the data in the return information into a plurality of redundant tables includes:
decrypting the data in the return information;
and storing the data in the decrypted return information into the plurality of redundant tables.
Optionally, the plurality of redundancy tables include: the data processing method comprises a real-time calculation data table and a static data table, wherein a statistical index field is arranged in the real-time calculation data table.
Optionally, after the storing the data in the return information into a plurality of redundant tables, the method further includes:
and calculating the corresponding value of the statistical index field in the real-time settlement data table by using the data in the plurality of redundant tables.
Optionally, before calculating the corresponding value of the statistical indicator field in the real-time settlement data table, the method further includes:
determining a user list of data changes;
for each changed user in the user list: and calculating the corresponding value of the statistical index field of the record of the change user in the real-time settlement data table.
Optionally, the determining, according to the data in the multiple redundant tables, audit result information corresponding to the target transaction includes:
acquiring a user identifier of a target user corresponding to a target transaction;
determining user scores of the target users according to the plurality of redundant tables;
and determining auditing result information corresponding to the target transaction according to the user score.
Optionally, the determining, according to the plurality of redundant tables, the user score of the target user includes:
determining user information corresponding to the user identifier from the plurality of redundant tables, wherein the user information comprises: user attribute information and statistical index information;
inputting the user information into a preset evaluation model to determine the user score of the target user.
Optionally, the redundant table is provided with a synchronization field, and the synchronization field is used to represent whether the current record of the redundant table needs to be synchronized.
Optionally, the method further comprises:
receiving a query request for the redundant table;
according to the synchronous field, filtering the redundant table;
and responding to the query request by using the data in the filtered redundant table.
Optionally, the method further comprises:
and carrying out synchronous processing on the redundant table by utilizing the synchronous field.
In a second aspect, an embodiment of the present invention provides an apparatus for determining an audit result, including:
the request generation module is used for generating and sending credit investigation requests corresponding to target transactions;
the information receiving module is used for receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the authority of accessing a credit investigation system of a people bank;
the data storage module is used for storing the data in the return information into a plurality of redundant tables;
and the result determining module is used for determining auditing result information corresponding to the target transaction according to the data in the plurality of redundant tables.
In a third aspect, an embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any of the embodiments described above.
In a fourth aspect, an embodiment of the present invention provides a computer-readable medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method of any one of the above embodiments.
One embodiment of the above invention has the following advantages or benefits: and acquiring credit investigation data of the client from the credit investigation system of the people bank by utilizing a third party application with the authority of accessing the credit investigation system of the people bank. Based on the credit investigation data, the auditing result of the user can be accurately evaluated, and the institution can conveniently conduct business handling related to the credit investigation of the client.
In addition, data in a credit investigation system of the people's bank is acquired by using a third-party application and stored in a redundant table. And related personnel do not need to manually input and maintain credit investigation data, so that the labor cost is reduced, and the service handling efficiency is improved.
In addition, a plurality of redundancy tables are provided in the system, and data returned from the credit investigation system of the people's bank is stored in the plurality of redundancy tables. A large amount of internal connection operations and cross-center access can be eliminated, a large amount of table connection queries are integrated into local single-table queries, and the system operation efficiency is improved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of an exemplary application scenario in which embodiments of the present invention may be applied;
fig. 2 is a schematic flow chart of an audit result determination method according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of an audit result determination method according to another embodiment of the present invention;
FIG. 4 is a flowchart illustrating a method for processing a query request according to an embodiment of the present invention;
fig. 5 is a flowchart illustrating a method for determining an audit result according to yet another embodiment of the present invention;
fig. 6 is a schematic structural diagram of an apparatus for determining an audit result according to an embodiment of the present invention;
fig. 7 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
In order to facilitate understanding of the scheme of the embodiment of the present invention, some terms of art related to the embodiment of the present invention are now explained.
Authorization component numbering: and is used for replacing the originally used security node number as an identification for identifying the access credit system. The system which has been accessed by the pedestrian-generation credit investigation system can directly contact the credit investigation item group to obtain the value of the number. The newly accessed system will apply for a new number.
The human query reason code: the accuracy of the query reason is very important, and needs to be selected according to actual specific services, and if the actual specific services are not clear, the data management part needs to be consulted. 01 represents post-loan management, 02 represents loan approval, 03 represents credit card approval, 05 represents objection checking, 08 represents warranty qualification examination, 09 represents judicial investigation, 16 represents public deposit withdrawal rechecking inquiry, 18 represents stock futures opening, 19 represents special merchant real name examination, 20 represents pre-insurance examination, 21 represents post-insurance management, 22 represents credit examination of legal representative, responsible person, high administration and the like, 23 represents client admission qualification examination, 24 represents financing approval, 25 represents credit examination and 26 represents approval limit. The default value of the reason code here is 02.
The initiator: it is necessary to distinguish between the actual person being queried and the user being automatically triggered by the system. The inquiring person needs to provide the employee number or other login account number. The automatic triggering inquiry user needs to be put on record in the credit investigation system.
And (4) result code: if the message header SYS _ RESP _ CODE is 000000 and the message body 'result CODE' is AAA000, it represents that the query is successful and there is a credit report. If the message header SYS _ RESP _ CODE is 000000 and the message body 'result CODE' is AAA001, the query is successful but there is no credit report. If the header SYS _ RESP _ CODE is not 000000, the query is not successful.
In 2011, people's banks start a second generation credit investigation system construction project (hereinafter, referred to as the second generation credit investigation), and plan to test operation in 2018 and switch in 2019 after construction for many years. The customer information and the customer scoring card information of many organizations are not perfect because the people's bank does not provide an interface for calling the second generation credit for many organizations. The pure manual input is adopted, and the service efficiency and the data accuracy are seriously influenced. The scheme in the embodiment of the invention realizes the indirect interconnection between the organization and the bank by using the third party application to develop the credit investigation application matched with the second-generation credit investigation project of the people bank.
The method of the embodiment of the invention has the following technical effects: the service handling efficiency is improved, and manual input and maintenance are not needed. The accuracy of the system is enhanced. The banking business relates to customer scoring, errors are avoided, credit investigation is taken back through a third party and then the credit investigation is applied to a scoring card, and the accuracy of the system is improved. The system is modularized, the reuse degree of the module can be improved, and the expansibility of the system is higher. The development and maintenance speed is improved, and because the software service module is split, the development and the release can be parallel without independent input and maintenance.
But while eliminating the above problems, other problems arise. In particular, in online inquiry, online transaction is sent to a third party application, and the third party acquires people's bank notes, so that resource occupation is caused, and information exchange is easily interrupted due to network reasons.
Taking the example that the individual loan system inquires credit data in the person credit system as an example, one of the most frequently used transactions of the bank is the inquiry of a client loan list: and inquiring the list of the associated account numbers under the client name by inputting three elements (the client name, the certificate type and the certificate number) of the client. In a credit system, credit reporting, credit call inquiry transactions have much longer transaction response time than single-form operations due to more internal calls, excessive access to core forms, and the like.
Based on the above analysis, the embodiment of the invention provides a method and a device for determining an audit result, which can improve the query efficiency of a system. FIG. 1 is a schematic diagram of an exemplary application scenario in which embodiments of the present invention may be applied. As shown in fig. 1, the system architecture 100 may include terminal devices 101, 102, 103, a server 104, and a server 105.
The terminal devices 101, 102, 103 may be deployed with clients or browsers corresponding to the applications. The terminal devices 101, 102, 103 may interact with the server 104 using a client or browser. The terminal devices 101, 102, 103 may be cell phones, notebooks, tablets, laptop portable computers, etc.
The server 105 deploys credit investigation systems of the people's bank. The server 104 is deployed locally in the organization, and a centralized repository is deployed in the server 104, and a plurality of redundant tables are stored in the centralized repository. The server 104 receives return data of a third-party application, the third-party application has the right of accessing a credit investigation system of the people's bank, the return data comes from the credit investigation system of the people's bank, and the server 104 stores the data in the return information into a plurality of redundant tables.
The staff of the organization sends inquiry instructions related to credit investigation to the server 104 through the terminal devices 101, 102, 103. After receiving the query instruction, the server 104 determines relevant credit investigation information according to the plurality of locally stored redundant tables, and returns the credit investigation information to the terminal devices 101, 102, and 103.
It should be noted that the data processing method and the search instruction processing method provided by the embodiment of the present invention are generally executed by the server 104, and accordingly, the data processing device and the search instruction processing device are generally disposed in the server 104.
It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Fig. 2 is a flowchart illustrating a method for determining an audit result according to an embodiment of the present invention. The method is applied to the determination method of the audit result, as shown in fig. 2, the method includes:
step 201: and generating and sending a credit investigation request corresponding to the target transaction.
The credit solicitation is from a business party of the organization. The institutions do not have the right of directly accessing the credit investigation system of the people's bank, and send the credit investigation request to a third-party application, and the third-party application has the right of accessing the credit investigation system of the people's bank. The purpose of indirectly accessing the credit investigation system of the people's bank is achieved by utilizing the third-party application.
Step 202: and receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the right of accessing a credit investigation system of the people's bank.
And the third party application receives the credit investigation request and inquires credit investigation data corresponding to the credit investigation request in a credit investigation system of the people's bank. And generating return information by using the credit investigation data, and returning the return information to the service party of the credit investigation request.
The credit investigation system of the people's bank can comprise a first generation credit investigation system, a second generation credit investigation system and other credit investigation systems which can appear subsequently.
Step 203: and storing the data in the return information into a plurality of redundant tables.
A centralized repository may be created on a local server of a business system of an organization and a plurality of redundant tables may be created in the centralized repository. On the one hand, the data in the return information is conveniently stored into a plurality of redundant tables. On the other hand, access to credit data in the redundant table by an internal application of the organization is facilitated.
In addition, the table structure of the redundant table can be determined according to specific service requirements, so that the aims of integrating a large number of continuous table queries into a local single table query, reducing internal connection operation and cross-center access and reducing system processing time are fulfilled.
In order to ensure the data security in the information transmission process, the returned information can be encrypted before being returned. After the return information is received, the data in the return information can be decrypted firstly, and then the data in the decrypted return information is stored in a plurality of redundant tables.
Step 204: and determining auditing result information corresponding to the target transaction according to the data in the redundant tables.
The user information of the target user corresponding to the target transaction can be determined, the user score of the target user can be determined according to the plurality of redundant tables, and the auditing result information corresponding to the target transaction can be determined according to the user score.
In the embodiment of the invention, the third party with the authority of accessing the credit investigation system of the people's bank is utilized to obtain the credit investigation data of the client from the credit investigation system of the people's bank, and based on the credit investigation data, the checking result of the user can be more accurately evaluated, thereby facilitating the institution to conduct business transaction related to the client credit investigation.
In addition, the third party is used for acquiring the data in the credit investigation system of the people's bank, and related personnel do not need to manually input and maintain the credit investigation data, so that the business handling efficiency is improved.
In addition, a plurality of redundancy tables are provided in the system, and data returned from the credit investigation system of the people's bank is stored in the plurality of redundancy tables. A large amount of internal connection operations and cross-center access can be eliminated, a large amount of table connection queries are integrated into local single-table queries, and the system operation efficiency is improved.
In one embodiment of the invention, the return information has a preset storage format, and the predicted storage format corresponds to a plurality of preset fields; storing data in the return information into a plurality of redundancy tables, including: and storing the data in the returned information into a plurality of redundancy tables by utilizing the corresponding relation between the redundancy tables and the preset fields.
Multiple sub-pools and multiple redundant tables may be created on a local server of an organization's business system. And determining a target library and a target table corresponding to the target field in the returned information by utilizing the corresponding relation between the redundant table and the preset field. And then storing the data corresponding to the target field in the return information into a target table of the target library.
For example, redundancy table 1 of library 1 has two fields of customer identification, accumulation fund base. And the fields corresponding to the storage format of the returned information also comprise the client identifier and the public accumulation fund base number, so that the returned information can be analyzed by using the storage format, and the data of the client identifier and the public accumulation fund base number obtained by analysis is stored in the redundancy table 1 of the library 1.
In one embodiment of the invention, the plurality of redundancy tables includes: the real-time calculation data table and the static data table are provided with a statistical index field. After the data in the return information is stored in a plurality of redundant tables, the method further comprises the following steps: and calculating the corresponding value of the statistical index field in the real-time settlement data table by using the data in the plurality of redundant tables. And the credit investigation related data such as credit investigation score of the client can be quickly determined through the corresponding value of the statistical index field in the real-time settlement data sheet.
In an embodiment of the present invention, before calculating the corresponding value of the statistical indicator field in the real-time settlement data table, the method further includes: determining a user list of data changes; for each changed user in the user list: and calculating the corresponding value of the statistical index field of the record of the change user in the real-time settlement data table.
The list of users whose data has changed may be determined in a number of ways. For example, a list of users whose data has changed is determined by means of a database log or an operation log. The list of users with changed data can also be determined by screening the user information of the returned information. The returned information can be compared with the data in the redundant table to determine a user list and the like with changed data.
And only the corresponding value of the statistical index field of the record of the changed user in the real-time settlement data table is calculated, so that compared with the calculation of the corresponding values of the statistical index fields of all the users in the real-time settlement data table, the running time of the system can be effectively saved, the running efficiency is improved, and the waiting time of the users is reduced.
Fig. 3 is a flowchart illustrating a method for determining an audit result according to another embodiment of the present invention. The method is applied to the determination method of the audit result, as shown in fig. 3, the method includes:
step 301: and generating and sending a credit investigation request corresponding to the target transaction.
Step 302: and receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the right of accessing a credit investigation system of the people's bank.
Step 303: and storing the data in the return information into a plurality of redundant tables.
Step 304: and acquiring a user identifier of a target user corresponding to the target transaction.
Step 305: and determining the user score of the target user according to the plurality of redundant tables.
The user score of the target user can be determined, and user information corresponding to the user identification is determined from the plurality of redundant tables, wherein the user information comprises: user attribute information and statistical index information; and inputting the user information into a preset evaluation model to determine the user score of the target user.
The user attribute information may include: age, annual income, industry category, household registration status, etc. The statistical indicator information may include: total amount of consumption in the last 3 th period, amount of consumption in the last 3 months, payment rate in the last 6 months, etc.
And training the training model by using the user attribute information, the statistical index information and the user score to obtain an evaluation model. Common training models may include: linear regression, nonlinear regression analysis, decision trees, logistic regression, and the like. And inputting the user attribute information and the statistical index information into the trained evaluation model to obtain the corresponding user score of the user.
Step 306: and determining auditing result information corresponding to the target transaction according to the user score.
In the embodiment of the invention, the user score of the target user is determined according to the plurality of redundant tables, and the auditing result information corresponding to the target transaction is determined according to the user score. The data in the redundant table comes from the credit investigation system of the pedestrian. Therefore, the user score determined by the redundancy table can represent the credit investigation degree of the user more accurately, and the mechanism can conveniently and properly process the related services of the credit investigation of the user.
Fig. 4 is a flowchart illustrating a method for processing a query request according to an embodiment of the present invention. As shown in fig. 4, the method includes:
step 401: and generating and sending a credit investigation request corresponding to the target transaction.
Step 402: and receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the right of accessing a credit investigation system of the people's bank.
Step 403: and storing the data in the return information into a plurality of redundant tables, wherein the redundant tables are provided with synchronous fields.
The synchronization field is used for representing whether the current record of the redundancy table needs to be synchronized. The sync field of each record may be determined in a number of ways. For example, the database log and the operation log may be analyzed to determine which records have changed and need to be synchronized, and the synchronization fields of the records may be set. It is also possible to determine which records have changed and need to be synchronized by screening the user information of the returned information, and to set the synchronization fields of these records. The returned information can be compared with the data in the redundant table to determine which records are changed and need to be synchronized, and the synchronization fields of the records are set.
Step 404: a query request for a redundancy table is received.
Step 405: and filtering the redundant table according to the synchronous field.
Specifically, those records that have not completed synchronization may be screened out based on the synchronization field, and only those records that have completed synchronization may be retained.
Step 406: and responding to the query request by using the data in the filtered redundant table.
The redundant table can also be synchronized by using the synchronization field. Therefore, the data in the redundant table can be timely and completely updated, and the query experience of the user is improved.
In the embodiment of the invention, part of the accounts are filtered according to the synchronous field, so that the query efficiency is improved, and the query waiting time of a user is reduced. In addition, only the record of which the synchronization is completed is returned to the user, and the problem that the user sees the expired data is also avoided.
In order to make the method of the embodiment of the invention more understandable, the following explanation takes a second generation credit system of a bank personal loan subsystem indirectly accessing a bank as an example. When a bank carries out personal loan service, credit investigation information of a personal client needs to be acquired. The method of the embodiment of the invention mainly relates to two subsystems: a central risk metering engine, a storage component.
The second generation credit investigation is a transaction with the dimension of the client, and is sent to the storing component from the application route, and the storing component receives the request to obtain the person credit investigation through the third party application.
The main reasons for the overlong transaction response time for acquiring credit investigation information are as follows: the information is required to be sent to a person through multiple internal call transactions to obtain credit information; exchanging with a plurality of systems; the number of tables and information is numerous.
In order to reduce the transaction response time for acquiring credit investigation information, the embodiment of the invention provides a credit investigation data acquisition method, which comprises the following steps:
and step S01, calling the third-party application through the storing component.
And step S02, establishing a plurality of redundant tables corresponding to the certificate information.
And step S03, receiving credit investigation information returned by the third-party application, wherein the credit investigation information is stored in a large field, and the large field corresponds to a preset field. And analyzing the received credit investigation information and storing the credit investigation information in a plurality of redundant tables.
Selection of credit investigation calling strategy: because people's banks do not directly provide credit investigation interfaces for most banks, other banks cannot directly acquire the credit investigation information of people's bank, and the traditional manual input is adopted, the business handling efficiency is seriously influenced, data errors are easily caused, and the correctness of the scoring card is influenced.
Cut-in selection of the credit line of the person: in domestic banks of the same industry, most banks choose to take back credit investigation information of customers in the application accepting stage, and some banks are in the investigation link. But in the difference of bank credit business, the scheme of the embodiment of the invention selects the time when the record is finished and the record is submitted to the survey.
Selecting a scoring card call: fig. 5 is a flowchart illustrating a method for determining an audit result according to yet another embodiment of the present invention. As shown in FIG. 5, the scoring data is one of the reference of the personal loan to the auditing conditions of the client, and part of the data required by the scoring card comes from the people's bank credit, so that the scoring card directly skips the approval process to the signing link if the scoring result is ' automatic pass ' or ' high score pass ' before approval after the approval is submitted.
Establishing a redundancy table corresponding to the credit investigation information: the credit investigation information is complex, contains a plurality of information, and is summarized in a plurality of tables of various information such as the inquiry request information, the personal basic information, the information summary, the credit transaction information detail, the non-credit transaction information detail, the public information detail, the marking and declaration information, the inquiry record and the like.
In order to reduce the time consumption of cross-database and single-account multi-account access, the method establishes a redundant table after performing database division and table division on the centralized database, and extracts the transaction return field to establish the single table in the centralized database. The field screening for the redundant table includes real-time data screening and static data screening.
Calculating data in real time: such as clearing amount, current payoff amount, current principal, current interest, current penalty; this type of data, because it relates to accounting, requires real-time computing to provide customer accuracy.
Static data: the system comprises an account master file, account customer information, product parameters, a chargeback table, an account balance table, a interest meter, an overdue information table, a bill definition table, a bill schedule table, a public accumulation parameter table, a collateral information table, a line master file table, a line balance table, a related account table, an advance return parameter table, a default information table and the like.
The redundant table method eliminates internal connection operation and cross-center access, integrates a large amount of table connection queries into local single table queries, and greatly improves efficiency. Due to the presence of multiple sub-banks, the presence of cross-banks is inevitable, but the probability of cross-row is negligible compared to the frequency of daily accounting changes of an account.
And analyzing the received credit investigation information and storing the credit investigation information in a plurality of redundant tables. When the person carries out credit investigation, an encrypted large field is returned, and returned credit investigation information can be stored in an xml message format. Although partial resources and time are sacrificed, the returned credit investigation information conforms to the uniform format and the standard, is easy to remotely interact with other systems, and is convenient for data sharing.
In addition, the scheme of the embodiment of the invention also improves a transaction interface, and judges according to the flag bit to avoid recalculation of some money. The synchronization relationship between the sub-library fields and the centralized library fields is synchronized through KAFKA when the fields change. Before parallel query, part of account numbers are filtered according to synchronous fields and the like, so that query efficiency is improved. Through the measures, the overall operation efficiency of the system is higher.
Fig. 6 is a schematic structural diagram of an apparatus for determining an audit result according to an embodiment of the present invention, as shown in fig. 6, the apparatus includes:
the request generation module 601 is configured to generate and send a credit investigation request corresponding to a target transaction;
an information receiving module 602, configured to receive return information for the credit investigation request, where the return information is from a third-party application, and the third-party application has a right to access a credit investigation system of a people bank;
a data storage module 603, configured to store data in the return information into multiple redundancy tables;
and the result determining module 604 is configured to determine, according to the data in the multiple redundant tables, audit result information corresponding to the target transaction.
Optionally, the return information has a preset storage format, and the predicted storage format corresponds to a plurality of preset fields;
the data storage module 603 is specifically configured to:
and storing the data in the returned information into a plurality of redundancy tables by utilizing the corresponding relation between the redundancy tables and the preset fields.
Optionally, the data storage module 603 is specifically configured to:
determining a target library and a target table corresponding to a target field in the returned information by using the corresponding relation between the redundant table and the preset field;
and storing the data corresponding to the target field in the return information into a target table of the target library.
Optionally, the data storage module 603 is specifically configured to:
decrypting the data in the returned information;
and storing the data in the decrypted return information into a plurality of redundant tables.
Optionally, the plurality of redundancy tables comprises: the real-time calculation data table and the static data table are provided with a statistical index field.
Optionally, the data storage module 603 is further configured to:
and calculating the corresponding value of the statistical index field in the real-time settlement data table by using the data in the plurality of redundant tables.
Optionally, the data storage module 603 is further configured to:
determining a user list of data changes;
for each changed user in the user list: and calculating the corresponding value of the statistical index field of the record of the change user in the real-time settlement data table.
Optionally, the result determining module 604 is specifically configured to:
acquiring a user identifier of a target user corresponding to a target transaction;
determining a user score of a target user according to the plurality of redundant tables;
and determining auditing result information corresponding to the target transaction according to the user score.
Optionally, the result determining module 604 is specifically configured to:
determining user information corresponding to the user identification from the plurality of redundant tables, wherein the user information comprises: user attribute information and statistical index information;
and inputting the user information into a preset evaluation model to determine the user score of the target user.
Optionally, the redundant table is provided with a synchronization field, and the synchronization field is used for representing whether the current record of the redundant table needs to be synchronized.
Optionally, the method further comprises:
a request response module 605 for receiving a query request for the redundancy table;
filtering the redundant table according to the synchronous field;
and responding to the query request by using the data in the filtered redundant table.
Optionally, the method further comprises:
and a synchronization processing module 606, configured to perform synchronization processing on the redundant table by using the synchronization field.
An embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method of any of the embodiments described above.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, 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 disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: the device comprises a request generation module, an information receiving module, a data storage module and a result determination module. The names of these modules do not in some cases form a limitation on the module itself, for example, the request generation module may also be described as a "module that generates and sends a credit solicitation request corresponding to a target transaction".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
generating and sending a credit investigation request corresponding to the target transaction;
receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the authority of accessing a credit investigation system of a people bank;
storing the data in the return information into a plurality of redundant tables;
and determining auditing result information corresponding to the target transaction according to the data in the redundant tables.
According to the technical scheme of the embodiment of the invention, the third party with the authority of accessing the credit investigation system of the people's bank is utilized to obtain the credit investigation data of the client from the credit investigation system of the people's bank, and based on the credit investigation data, the auditing result of the user can be more accurately evaluated, thereby facilitating the business transaction related to the credit investigation of the client by an organization.
In addition, the third party is used for acquiring the data in the credit investigation system of the people's bank, and related personnel do not need to manually input and maintain the credit investigation data, so that the business handling efficiency is improved.
In addition, a plurality of redundancy tables are provided in the system, and data returned from the credit investigation system of the people's bank is stored in the plurality of redundancy tables. A large amount of internal connection operations and cross-center access can be eliminated, a large amount of table connection queries are integrated into local single-table queries, and the system operation efficiency is improved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (15)
1. A method for determining an audit result is characterized by comprising the following steps:
generating and sending a credit investigation request corresponding to the target transaction;
receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the authority of accessing a credit investigation system of a people bank;
storing the data in the return information into a plurality of redundant tables;
and determining auditing result information corresponding to the target transaction according to the data in the redundant tables.
2. The method of claim 1, wherein the return message has a predetermined storage format, and wherein the predicted storage format corresponds to a plurality of predetermined fields;
the storing the data in the return information into a plurality of redundant tables includes:
and storing the data in the return information into a plurality of redundancy tables by utilizing the corresponding relation between the redundancy tables and the preset fields.
3. The method according to claim 2, wherein the storing the data in the return information into a plurality of redundancy tables by using the correspondence between the redundancy tables and the preset fields comprises:
determining a target library and a target table corresponding to the target field in the return information by using the corresponding relation between the redundant table and the preset field;
and storing the data corresponding to the target field in the return information into the target table of the target library.
4. The method of claim 1, wherein storing the data in the return information into a plurality of redundant tables comprises:
decrypting the data in the return information;
and storing the data in the decrypted return information into the plurality of redundant tables.
5. The method of claim 1, wherein the plurality of redundancy tables comprise: the data processing method comprises a real-time calculation data table and a static data table, wherein a statistical index field is arranged in the real-time calculation data table.
6. The method of claim 5, wherein after storing the data in the return information in a plurality of redundant tables, further comprising:
and calculating the corresponding value of the statistical index field in the real-time settlement data table by using the data in the plurality of redundant tables.
7. The method of claim 6, wherein before calculating the corresponding value of the statistical indicator field in the real-time settlement data table, further comprising:
determining a user list of data changes;
for each changed user in the user list: and calculating the corresponding value of the change record in the real-time settlement data table in the field of the statistical index, wherein the change record corresponds to the change user.
8. The method of claim 1, wherein determining audit result information corresponding to the target transaction based on the data in the plurality of redundancy tables comprises:
acquiring a user identifier of a target user corresponding to a target transaction;
determining user scores of the target users according to the plurality of redundant tables;
and determining auditing result information corresponding to the target transaction according to the user score.
9. The method of claim 8, wherein determining the user score for the target user based on the plurality of redundant tables comprises:
determining user information corresponding to the user identifier from the plurality of redundant tables, wherein the user information comprises: user attribute information and statistical index information;
inputting the user information into a preset evaluation model to determine the user score of the target user.
10. The method of claim 1, wherein the redundant table is provided with a synchronization field, and wherein the synchronization field is used for characterizing whether the current record of the redundant table needs to be synchronized.
11. The method of claim 10, further comprising:
receiving a query request for the redundant table;
according to the synchronous field, filtering the redundant table;
and responding to the query request by using the data in the filtered redundant table.
12. The method of claim 10, further comprising:
and carrying out synchronous processing on the redundant table by utilizing the synchronous field.
13. An apparatus for determining an audit result, comprising:
the request generation module is used for generating and sending credit investigation requests corresponding to target transactions;
the information receiving module is used for receiving return information aiming at the credit investigation request, wherein the return information comes from a third-party application, and the third-party application has the authority of accessing a credit investigation system of a people bank;
the data storage module is used for storing the data in the return information into a plurality of redundant tables;
and the result determining module is used for determining auditing result information corresponding to the target transaction according to the data in the plurality of redundant tables.
14. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-12.
15. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-12.
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