CN116167086A - Wind control management method based on specific information calculation and related products - Google Patents
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Abstract
Description
技术领域technical field
本发明涉及金融领域数据处理领域,尤其涉及一种基于特定信息计算的风控管理方法及相关产品。The present invention relates to the field of data processing in the financial field, in particular to a risk control management method based on specific information calculation and related products.
背景技术Background technique
在风控管理中需要从多个渠道获取企业或者个人的相关信息,并通过模型进行计算后得出风险评级,容易造成企业或者个人的相关信息泄露或者滥用问题,影响了信息的安全性。In risk control management, it is necessary to obtain relevant information of enterprises or individuals from multiple channels, and calculate the risk rating through the model, which may easily cause the leakage or abuse of relevant information of enterprises or individuals, and affect the security of information.
发明内容Contents of the invention
本申请实施例公开了一种基于特定信息计算的风控管理方法及相关产品,该方法对企业或个人的相关信息执行隐藏计算得到对应的隐藏标识,然后进行信息计算得到对应的风控管理,避免了企业或个人的相关信息的泄露,提高了信息的安全性。The embodiment of the present application discloses a risk control management method based on specific information calculation and related products. The method performs hidden calculation on the relevant information of enterprises or individuals to obtain the corresponding hidden identification, and then performs information calculation to obtain the corresponding risk control management. It avoids the disclosure of relevant information of enterprises or individuals, and improves the security of information.
第一方面,提供一种基于特定信息计算的风控管理方法,所述方法包括如下步骤:In the first aspect, a risk control management method based on specific information calculation is provided, the method includes the following steps:
接收计算发起方发出的待风控对象的唯一标识信息;Receive the unique identification information of the risk control object sent by the computing initiator;
通过业务数据平台获取所述唯一标识信息对应的数据信息,并根据计算平台基础的计算指标对该数据信息进行计算得到基础指标结果;Obtain the data information corresponding to the unique identification information through the business data platform, and calculate the data information according to the basic calculation indicators of the calculation platform to obtain the basic indicator results;
将所述基础指标结果输入到预设的计算规则模型进行计算得到最终计算结果,将最终计算结果返回给计算发起方。The basic index result is input into the preset calculation rule model for calculation to obtain the final calculation result, and the final calculation result is returned to the calculation initiator.
第二方面,提供一种基于特定信息计算的风控管理系统,所述系统包括:In the second aspect, a risk control management system based on specific information calculation is provided, the system includes:
通信单元,用于接收计算发起方发出的待风控对象的唯一标识信息;The communication unit is used to receive the unique identification information of the object to be risk controlled sent by the computing initiator;
获取单元,用于通过业务数据平台获取所述唯一标识信息对应的数据信息;An acquisition unit, configured to acquire data information corresponding to the unique identification information through a business data platform;
计算单元,用于根据计算平台基础的计算指标对该数据信息进行计算得到基础指标结果;将所述基础指标结果输入到预设的计算规则模型进行计算得到最终计算结果,将最终计算结果返回给计算发起方。The calculation unit is used to calculate the data information according to the basic calculation indicators of the calculation platform to obtain the basic indicator results; input the basic indicator results into the preset calculation rule model for calculation to obtain the final calculation results, and return the final calculation results to Calculate the originator.
第三方面,提供一种电子设备,包括处理器、存储器、通信接口,以及一个或多个程序,所述一个或多个程序被存储在所述存储器中,并且被配置由所述处理器执行,所述程序包括用于执行第一方面所述的方法中的步骤的指令。In a third aspect, an electronic device is provided, including a processor, a memory, a communication interface, and one or more programs, the one or more programs are stored in the memory and configured to be executed by the processor , the program includes instructions for executing the steps in the method of the first aspect.
第四方面,提供了一种计算机可读存储介质,存储用于电子数据交换的计算机程序,其中,所述计算机程序使得计算机执行第一方面所述的方法。In a fourth aspect, a computer-readable storage medium is provided, storing a computer program for electronic data exchange, wherein the computer program causes a computer to execute the method described in the first aspect.
第五方面,提供了一种计算机程序产品,其中,上述计算机程序产品包括存储了计算机程序的非瞬时性计算机可读存储介质,上述计算机程序可操作来使计算机执行如本申请实施例第一方面中所描述的部分或全部步骤。该计算机程序产品可以为一个软件安装包。In a fifth aspect, a computer program product is provided, wherein the computer program product includes a non-transitory computer-readable storage medium storing a computer program, and the computer program is operable to cause a computer to perform the first aspect according to the embodiment of the present application. Some or all of the steps described in . The computer program product may be a software installation package.
本申请提供的技术方案接收计算发起方发出的待风控对象的唯一标识信息,通过业务数据平台获取所述唯一标识信息对应的数据信息,并根据计算平台基础的计算指标对该数据信息进行计算得到基础指标结果;将所述基础指标结果输入到预设的计算规则模型进行计算得到最终计算结果,将最终计算结果返回给计算发起方。这样在进行风控对象的计算时,采用的是计算出的唯一标识信息,此种情况对企业的通用唯一标识信息不会泄露,提高了信息的安全性。The technical solution provided by this application receives the unique identification information of the risk control object issued by the calculation initiator, obtains the data information corresponding to the unique identification information through the business data platform, and calculates the data information according to the calculation indicators based on the calculation platform Obtain a basic index result; input the basic index result into a preset calculation rule model for calculation to obtain a final calculation result, and return the final calculation result to the calculation initiator. In this way, when calculating the risk control object, the calculated unique identification information is used. In this case, the general unique identification information of the enterprise will not be leaked, which improves the security of the information.
附图说明Description of drawings
以下对本申请实施例用到的附图进行介绍。The accompanying drawings used in the embodiments of the present application are introduced below.
图1是本申请的一种基于特定信息计算的风控管理系统网络拓扑示意图;Fig. 1 is a schematic diagram of network topology of a wind control management system based on specific information calculation of the present application;
图2是本申请提供的一种基于特定信息计算的风控管理方法的流程示意图;Fig. 2 is a schematic flowchart of a risk control management method based on specific information calculation provided by the present application;
图3是本申请实施例一提供的一种基于特定信息计算的风控管理的流程示意图;FIG. 3 is a schematic flow chart of risk control management based on specific information calculation provided in Embodiment 1 of the present application;
图4是本申请一个实施例提供的基于特定信息计算的风控管理系统的结构示意图;Fig. 4 is a schematic structural diagram of a risk control management system based on specific information calculation provided by an embodiment of the present application;
图5是本申请实施例提供的一种电子设备的结构示意图。Fig. 5 is a schematic structural diagram of an electronic device provided by an embodiment of the present application.
具体实施方式Detailed ways
下面结合本申请实施例中的附图对本申请实施例进行描述。Embodiments of the present application are described below with reference to the drawings in the embodiments of the present application.
本申请中术语“和/或”,仅仅是一种描述关联对象的关联关系,表示可以存在三种关系,例如,A和/或B,可以表示:单独存在A,同时存在A和B,单独存在B这三种情况。另外,本文中字符“/”,表示前后关联对象是一种“或”的关系。The term "and/or" in this application is only an association relationship describing associated objects, which means that there may be three relationships, for example, A and/or B, which can mean: A exists alone, A and B exist simultaneously, and A and B exist alone. There are three cases of B. In addition, the character "/" in this article indicates that the contextual objects are an "or" relationship.
本申请实施例中出现的“多个”是指两个或两个以上。本申请实施例中出现的第一、第二等描述,仅作示意与区分描述对象之用,没有次序之分,也不表示本申请实施例中对设备个数的特别限定,不能构成对本申请实施例的任何限制。本申请实施例中出现的“连接”是指直接连接或者间接连接等各种连接方式,以实现设备间的通信,本申请实施例对此不做任何限定。"Multiple" appearing in the embodiments of the present application means two or more. The first, second, etc. descriptions that appear in the embodiments of this application are only for illustration and to distinguish the description objects, and there is no order, nor does it represent a special limitation on the number of devices in the embodiments of this application, and cannot constitute a limitation on the number of devices in this application. Any limitations of the examples. The "connection" in the embodiment of the present application refers to various connection modes such as direct connection or indirect connection to realize communication between devices, which is not limited in the embodiment of the present application.
请参阅图1,本发明实施例中一种基于特定信息计算的风控管理系统的网络拓扑示意图,主要由计算发起方及特定信息计算平台内部的网络拓扑情况,其中:Please refer to Fig. 1, a network topology diagram of a wind control management system based on specific information computing in an embodiment of the present invention, mainly composed of the computing initiator and the internal network topology of the specific information computing platform, wherein:
计算发起方:包括金融风控系统或者信贷申请批系统,因实际的业务场景需求发起的计算请求,实际入口可能是web应用服务器、app服务器、或者API服务方式发起计算请求。Calculation originator: Including the financial risk control system or the credit application approval system, the calculation request initiated due to the actual business scenario needs, the actual entrance may be the web application server, app server, or API service method to initiate the calculation request.
互联网/专线:计算发起方与特定信息计算平台间的网络连接方式,通过互联网连接时需要对发起方进行一定的权限验证,例如web系统需要有账号密码等登录验证,api服务需要对接口进行权限验证及必须的信息加密。如采用vpn专线方式,则可以一定程度上加强了网络通信的安全性。Internet/Dedicated Line: Calculate the network connection method between the initiator and the specific information computing platform. When connecting through the Internet, certain authority verification is required for the initiator. For example, the web system needs to have account password and other login verification, and the api service needs to authorize the interface. Authentication and encryption of necessary information. If the VPN special line method is adopted, the security of network communication can be strengthened to a certain extent.
特定信息计算平台外网区:提供特定信息计算平台服务功能,包括网关设备以及与网关设备连接的多个节点,特定信息计算平台外网区的系统的权限验证,基础计算指标的展示及调用方式,特定信息计算节点,特定信息计算模型的管理,特定信息计算审计信息的管理;其中系统权限验证包括web系统访问的权限验证及api接口访问的权限验证。必要的加密密钥的申请及部署;基础计算指标的展示包括web访问展示及api接口访问方式的展示;特定信息计算节点是为满足系统高并发下的计算服务,特定信息计算节点采用分布式部署方式,根据实际请求量增加节点数量;特定信息计算模型管理包括创建、更新、发布特定信息计算模型,根据基础计算指标结合实际的业务场景,利用规则语言实现复杂计算模型的管理工作,特定信息计算发起方可直接调用制定的模型,获取模型结果并应用于自身的系统流程中;特定信息计算审计信息管理包括对计算发起方的请求信息及计算结果,时间戳等信息。特定信息计算模型的变更信息及使用情况,便于对系统输入输出信息进行审计工作;Specific information computing platform extranet area: Provide specific information computing platform service functions, including gateway devices and multiple nodes connected to gateway devices, system authority verification of specific information computing platform extranet areas, display and call methods of basic computing indicators , the specific information computing node, the management of the specific information computing model, the management of the specific information computing audit information; wherein the system authority verification includes the authority verification of web system access and the authority verification of api interface access. The application and deployment of the necessary encryption keys; the display of basic computing indicators includes the display of web access display and the display of api interface access methods; the specific information computing node is to meet the computing services under the high concurrency of the system, and the specific information computing node adopts distributed deployment method, increasing the number of nodes according to the actual request volume; specific information computing model management includes creating, updating, and publishing specific information computing models, and using rule language to realize the management of complex computing models based on basic computing indicators combined with actual business scenarios, specific information computing The initiator can directly invoke the formulated model, obtain the model result and apply it to its own system process; specific information calculation audit information management includes request information, calculation results, time stamp and other information for the calculation initiator. The change information and usage of the specific information calculation model are convenient for auditing the input and output information of the system;
特定信息计算平台内网区:提供特定信息计算所需的基础数据信息,包括应用服务器及数据库;应用服务器用于对外提供服务入口,进行数据的解析及报文的组装,服务的权限验证等;数据库用于存储基础数据信息;内网区域根据传入的唯一标识信息获取该信息所需的基础信息,并返回给特定信息计算平台外网区,特定信息计算平台计算出基础指标并传入特定信息计算模型中,模型根据实际部署的规则计算最终的结果。Intranet area of specific information computing platform: Provide basic data information required for specific information computing, including application servers and databases; application servers are used to provide external service portals, perform data analysis, message assembly, service authority verification, etc.; The database is used to store basic data information; the internal network area obtains the basic information required for the information according to the incoming unique identification information, and returns it to the external network area of the specific information computing platform, and the specific information computing platform calculates the basic indicators and passes them to the specific In the information calculation model, the model calculates the final result according to the rules actually deployed.
本申请的特定信息具体可以为,需要进行保护或保密的信息,包括但不限于:企业身份信息、个人身份信息、企业地址信息等等。The specific information in this application may specifically be information that needs to be protected or kept confidential, including but not limited to: corporate identity information, personal identity information, business address information, and the like.
参阅图2,图2提供了一种基于特定信息计算的风控管理方法的流程示意图,该方法可以由终端执行,该终端包括但限于:个人计算机、服务器、数据中心、平板电脑、智能手机等,该方法所需要的数据可以在如图1所示的数据库中提取或实现,该方法如图2所示,包括如下步骤:Referring to Fig. 2, Fig. 2 provides a schematic flowchart of a risk control management method based on specific information calculation, which can be executed by a terminal, which includes but is limited to: personal computer, server, data center, tablet computer, smart phone, etc. , the data required by the method can be extracted or implemented in the database as shown in Figure 1, and the method as shown in Figure 2 includes the following steps:
步骤S201、接收计算发起方发出的待风控对象的唯一标识信息;Step S201, receiving the unique identification information of the object to be risk controlled from the computing initiator;
示例的,上述唯一标识信息可以为依据待风控对象的通用标识信息计算出的唯一标识信息,上述通用标识信息例如,企业的统一社会信用代码,个人的通用标识信息例如,个人身份证号码,上述计算出唯一标识信息的方式可以采用多种运算方式,例如可以通过非堆成加密算法对该通用标识信息进行计算得到的唯一标识信息,当然还可以采用其他的方式,本申请并不限制上述具体的计算方式。For example, the above-mentioned unique identification information may be unique identification information calculated based on the general identification information of the object to be risk controlled. The above-mentioned method of calculating the unique identification information can adopt a variety of calculation methods, for example, the unique identification information obtained by calculating the general identification information through a non-stacking encryption algorithm, of course, other methods can also be used, and this application does not limit the above-mentioned The specific calculation method.
步骤S202、通过业务数据平台获取所述唯一标识信息对应的数据信息,并根据计算平台基础的计算指标对该数据信息进行计算得到基础指标结果;Step S202, obtain the data information corresponding to the unique identification information through the business data platform, and calculate the data information according to the basic calculation index of the computing platform to obtain the basic index result;
示例的,上述数据信息包括但不限于:唯一标识信息对应的资产负债信息、利润信息、票据信息(电子票、专票、普票、卷票)等等。For example, the above data information includes but not limited to: asset and liability information corresponding to the unique identification information, profit information, bill information (electronic ticket, special ticket, general ticket, roll ticket) and so on.
示例的,上述根据计算平台基础的计算指标对该数据信息进行计算得到基础指标结果具体可以包括:As an example, the calculation of the data information based on the calculation indicators based on the calculation platform to obtain the basic indicator results may specifically include:
从该数据信息中提取第一类型的数据,确定该第一类型的数据是否符合计算指标,若符合计算指标,将该第一类型的数据保留,若不符合计算指标,将该第一类型的数据保留得到部分基础指标结果,遍历该数据信息中所有类型的数据得到完整基础指标结果。Extract the first type of data from the data information, determine whether the first type of data meets the calculation index, if it meets the calculation index, keep the first type of data, if it does not meet the calculation index, the first type of data Partial basic indicator results are obtained by data retention, and complete basic indicator results are obtained by traversing all types of data in the data information.
示例的,上述计算指标可以为平均值、方差等等,上述符合计算指标具体可以为:若为平均值,则小于平均值为符合计算指标,大于平均值为不符合计算指标,上述计算指标可以为预设的定值,当然在实际应用中,上述计算指标也可以按时间来进行更新。For example, the above-mentioned calculation index can be average value, variance, etc., and the above-mentioned compliance calculation index can be specifically: if it is the average value, then the calculation index is met if it is less than the average value, and it is not in compliance with the calculation index if it is greater than the average value. The above-mentioned calculation index can be is a preset fixed value, of course, in practical applications, the above calculation index can also be updated according to time.
步骤S203、将所述基础指标结果输入到预设的计算规则模型进行计算得到最终计算结果,将最终计算结果返回给计算发起方。Step S203, input the basic index result into the preset calculation rule model for calculation to obtain the final calculation result, and return the final calculation result to the calculation initiator.
上述最终计算结果包括但不限于:正常、关注、预警、冻结、回收,五个计算结果。当然在实际应用中,还可以有其他的计算结果。The above-mentioned final calculation results include but are not limited to: normal, attention, warning, freezing, and recovery, five calculation results. Of course, in practical applications, there may be other calculation results.
本申请提供的技术方案接收计算发起方发出的待风控对象的唯一标识信息,通过业务数据平台获取所述唯一标识信息对应的数据信息,并根据计算平台基础的计算指标对该数据信息进行计算得到基础指标结果;将所述基础指标结果输入到预设的计算规则模型进行计算得到最终计算结果,将最终计算结果返回给计算发起方。这样在进行风控对象的计算时,采用的是计算出的唯一标识信息,此种情况对企业的通用唯一标识信息不会泄露,提高了信息的安全性。The technical solution provided by this application receives the unique identification information of the risk control object issued by the calculation initiator, obtains the data information corresponding to the unique identification information through the business data platform, and calculates the data information according to the calculation indicators based on the calculation platform Obtain a basic index result; input the basic index result into a preset calculation rule model for calculation to obtain a final calculation result, and return the final calculation result to the calculation initiator. In this way, when calculating the risk control object, the calculated unique identification information is used. In this case, the general unique identification information of the enterprise will not be leaked, which improves the security of the information.
示例的,上述将所述基础指标结果输入到预设的计算规则模型进行计算得到最终计算结果具体包括:As an example, the above-mentioned input of the basic index results into the preset calculation rule model for calculation to obtain the final calculation results specifically includes:
将该基础指标结果组成输入数据,将该输入数据输入到预设的计算规则模型进行神经网络运算得到运算结果,将该运算结果执行激活操作得到激活结果,确定该激活结果对应的第一区间,提取第一区间对应的最终计算结果。Composing the basic index results into input data, inputting the input data into the preset calculation rule model to perform neural network calculation to obtain the calculation result, performing an activation operation on the calculation result to obtain the activation result, and determining the first interval corresponding to the activation result, Extract the final calculation result corresponding to the first interval.
示例的,上述激活操作可以为激活函数,例如sigmoid函数或其他激活函数,本申请对激活函数的具体种类并不限定。As an example, the above activation operation may be an activation function, such as a sigmoid function or other activation functions, and the present application does not limit the specific types of activation functions.
上述最终计算结果中每个计算结果都可以预设设定一个数值区间,这样通过该激活结果就能够确定属于哪个区间,进而确定该区间对应的最终计算结果。Each calculation result in the above-mentioned final calculation results can be preset with a numerical interval, so that the activation result can determine which interval it belongs to, and then determine the final calculation result corresponding to the interval.
示例的,上述将该基础指标结果组成输入数据具体可以包括:As an example, the above-mentioned composition of the basic indicator results into input data may specifically include:
确定该基础指标结果的数据的类型数量x,若数量x等于输入模板数据的类型数量y,将每个类型的数据输入到该输入模板数据的对应位置得到输入数据,若数量x小于输入模板数据的类型数量y,则将x个类型的数据分别输入到该输入模板数据的对应位置得到部分输入数据,提取y-x个类型的中性数据,将该y-x个类型的中性数据输入到输入模板数据的对应位置得到剩余输入数据,将部分输入数据和剩余输入数据组合起来得到完整输入数据。Determine the type quantity x of the data of the basic index result, if the quantity x is equal to the type quantity y of the input template data, input each type of data to the corresponding position of the input template data to obtain the input data, if the quantity x is less than the input template data The number of types y, then input x types of data to the corresponding positions of the input template data to obtain part of the input data, extract y-x types of neutral data, and input the y-x types of neutral data to the input template data The corresponding position of the input data is obtained to obtain the remaining input data, and the partial input data and the remaining input data are combined to obtain the complete input data.
这里以一个实际的例子来说明,由于输入模板数据具有所有类型的数据,因此x不能大于y,这里假设y=10,x=7,则证明符合基础指标的数据为7个种类的数据,假设每个种类的数据占用输入模板数据中的一列元素值,那么将7个种类的数据分别输入到输入模板数据中对应的7列得到部分输入数据,然后提取剩余3个类型的中性数据,将3个类型的中性数据输入到剩余的3列得到剩余输入数据,然后组合起来得到完整输入数据。Here is a practical example to illustrate that since the input template data has all types of data, x cannot be greater than y. Assuming y=10 and x=7 here, it proves that the data that meets the basic indicators are 7 types of data, assuming Each type of data occupies a column of element values in the input template data, then input the 7 types of data into the corresponding 7 columns in the input template data to obtain part of the input data, and then extract the remaining 3 types of neutral data. 3 types of neutral data are input to the remaining 3 columns to get the remaining input data, and then combined to get the complete input data.
上述中性数据具体为对运算结果不产生影响的数据,其具体的值可以通过运算测试得到,这里的中性数据可以为预设设置的数据,本申请并不限制上述中性数据的具体表现形式。The above-mentioned neutral data is specifically data that does not affect the calculation results, and its specific value can be obtained through calculation tests. The neutral data here can be preset data. This application does not limit the specific performance of the above-mentioned neutral data. form.
添加中性数据以后,能够对输入数据进行补全,进而实现后续的神经网络模型的运算,并且中性数据不会影响对应的结果,提高了运算的准确性。After the neutral data is added, the input data can be completed to realize the subsequent calculation of the neural network model, and the neutral data will not affect the corresponding results, which improves the accuracy of the calculation.
示例的,上述将每个类型的数据输入到该输入模板数据的对应位置得到输入数据具体可以包括:As an example, the above-mentioned inputting each type of data into the corresponding position of the input template data to obtain the input data may specifically include:
若一个类型的数据对应的数值数量w1小于输入模板数据行值W,则将一个类型对应的数值进行插入补全得到与W个数值,若一个类型的数据对应的数据数量w1大于输入模板数据行值W,则将一个类型对应的数值进行过滤得到与W个数值。If the number of values w1 corresponding to a type of data is less than the value W of the input template data row, insert and complete the value corresponding to a type to obtain W values. If the number w1 of data corresponding to a type of data is greater than the input template data row If the value is W, the values corresponding to a type are filtered to obtain W values.
示例的,上述将一个类型对应的数值进行插入补全得到与W个数值具体可以包括:As an example, the above-mentioned value corresponding to a type is inserted and completed to obtain W values, which may specifically include:
确定需要插入的数值个数W-w1,从w1个数值中随机抽取W-w1组元素值,每组元素值为w1个数值中相邻的2个数值,计算W-w1组元素值中每组元素值的平均值,将每组的平均值插入到对应组的两个元素值之间得到W个数值。随机插入的方式可以对数据进行补全,并且随机平均插入的方式更加的贴合实际的采样数据,因此其具有提高计算结果的准确率的优点。Determine the number of values W-w1 that need to be inserted, randomly extract the W-w1 group element values from the w1 values, each group of element values are adjacent to the 2 values in the w1 values, and calculate each of the W-w1 group element values The average value of the group element values, the average value of each group is inserted between the two element values of the corresponding group to obtain W values. The random insertion method can complete the data, and the random average insertion method is more suitable for the actual sampling data, so it has the advantage of improving the accuracy of the calculation results.
示例的,上述将一个类型对应的数值进行过滤得到与W个数值具体可以包括:As an example, the above-mentioned filtering of a value corresponding to a type to obtain W values may specifically include:
确定需要过滤的数值个数w1-W,从w1个数值中随机抽取w1-W个元素值,且w1-W个元素值之间互不相邻,将w1-W个元素值删除得到W个数值。Determine the number of values w1-W that need to be filtered, randomly select w1-W element values from the w1 values, and the w1-W element values are not adjacent to each other, delete the w1-W element values to obtain W value.
此处的过滤也采用随机的方式,但是考虑到若都是相邻的数据,会影响计算结果的准确性,因此随机过滤时,需要过滤不相邻的数据,进而提高计算的精度。The filtering here also adopts a random method, but considering that if the data are all adjacent, the accuracy of the calculation results will be affected. Therefore, when performing random filtering, it is necessary to filter non-adjacent data to improve the calculation accuracy.
实施例一Embodiment one
本申请实施例提供一种基于特定信息计算的风控管理方法,如图3所示,该方法的流程示意图如图3所示,本实施例的方法如图3所示,包括:The embodiment of the present application provides a risk control management method based on specific information calculation, as shown in FIG. 3 , a schematic flowchart of the method is shown in FIG. 3 , and the method of this embodiment is shown in FIG. 3 , including:
301、其他第三方设备发起计算申请。301. Another third-party device initiates a computing application.
本实施例中,第三方包括金融领域内的风控系统平台,有实际的风控计算需求且待计算的数据信息有唯一的标识字段可使用,数据信息是格式化数据字段。In this embodiment, the third party includes the risk control system platform in the financial field, has actual risk control calculation requirements and the data information to be calculated has a unique identification field available, and the data information is a formatted data field.
302、计算平台根据传入的数据信息唯一标识及权限信息,先进行权限验证,若验证不通过则直接返回提示无该计算权限,权限验证通过后。302. The computing platform first performs permission verification according to the unique identifier of the incoming data information and permission information, and if the verification fails, it directly returns a prompt that there is no such computing permission, after the permission verification is passed.
303、根据数据标识获取该数据的基础计算指标,此时需要调用304来获取该数据的基础信息。若基础信息为空,则直接反馈计算失败信息。303. Obtain the basic calculation index of the data according to the data identifier. At this time, it is necessary to call 304 to obtain the basic information of the data. If the basic information is empty, the calculation failure information will be fed back directly.
304、业务数据平台根据303传入的数据信息唯一标识,从数据库305中获取所需的基础信息,并组装报文。304. The business data platform obtains the required basic information from the
305、数据库用于存储数据的基础信息,此信息可加密存储或者分库存储,同时需要对数据请求方做严格的权限验证,并做好数据访问记录工作。305. The database is used to store the basic information of the data. This information can be encrypted or stored in separate databases. At the same time, strict authority verification must be performed on the data requester, and data access records must be done.
306、计算模型根据基础的计算指标,并获取计算发起方提交的计算模型信息,进行模型计算,并将计算结果进行保存。306. The calculation model obtains the calculation model information submitted by the calculation initiator according to the basic calculation index, performs model calculation, and saves the calculation result.
307、根据306的计算结果,返回给计算发起方。307. Return the calculation result to the calculation initiator according to the calculation result in 306.
特定信息计算平台需要提供基础的计算指标,该指标必须有一定的实际评估意义,且具有通用性及可计算性。便于计算发起方根据提供的基础计算指标进行重新组装及模型配置。且基础计算指标输入内容为唯一标识数据信息,输出内容为代表某一特性的定性计算结果,此结果不可直接表现为待计算数据的实际数据定量属性。基础计算指标的提供需满足“数据可用不可见”的原则。The specific information calculation platform needs to provide basic calculation indicators, which must have certain practical evaluation significance, and be universal and computable. It is convenient for the calculation initiator to reassemble and model configuration according to the provided basic calculation indicators. Moreover, the input content of the basic calculation index is the unique identification data information, and the output content is the qualitative calculation result representing a certain characteristic. This result cannot be directly expressed as the actual data quantitative attribute of the data to be calculated. The provision of basic calculation indicators needs to meet the principle of "data is available but not visible".
综上所述,可以看出,首先特定信息计算平台进行内外网隔离,防止出现攻击时核心数据信息泄露,外网区域负责对外提供特定信息计算服务,内网区域负责核心数据信息存储及查询服务。其次,特定信息计算平台提供基础计算指标的升级维护工作,对外提供特定信息计算模型的管理功能,便于计算发起方部署自己所需的计算规则和逻辑,同时也保证了数据不出域的安全要求。第三特定信息计算外网区对于服务的接入提供权限验证功能,便于对访问请求的鉴权及高并发下的微服务管理。最后系统有信息审计模块,实现对全部数据信息的审计工作,及时发现违法调用记录及基础信息外泄情况,能够更好的保护数据信息的安全性。To sum up, it can be seen that first, the specific information computing platform is isolated from the internal and external networks to prevent the leakage of core data information in the event of an attack. The external network area is responsible for providing specific information computing services externally, and the internal network area is responsible for core data information storage and query services. . Secondly, the specific information computing platform provides the upgrade and maintenance of basic computing indicators, and provides the management function of specific information computing models externally, which facilitates the computing initiators to deploy their own required computing rules and logic, and also ensures the security requirements of data leaving the domain . The third specific information computing extranet area provides a permission verification function for service access, which facilitates the authentication of access requests and the management of microservices under high concurrency. Finally, the system has an information audit module, which realizes the audit work of all data information, timely discovers illegal call records and basic information leakage, and can better protect the security of data information.
参阅图4,图4为本申请提供的一种基于特定信息计算的风控管理系统的结构示意图,所述系统包括:Referring to Fig. 4, Fig. 4 is a schematic structural diagram of a wind control management system based on specific information calculation provided by the present application, and the system includes:
通信单元,用于接收计算发起方发出的待风控对象的唯一标识信息;The communication unit is used to receive the unique identification information of the object to be risk controlled sent by the computing initiator;
获取单元,用于通过业务数据平台获取所述唯一标识信息对应的数据信息;An acquisition unit, configured to acquire data information corresponding to the unique identification information through a business data platform;
计算单元,用于根据计算平台基础的计算指标对该数据信息进行计算得到基础指标结果;将所述基础指标结果输入到预设的计算规则模型进行计算得到最终计算结果,将最终计算结果返回给计算发起方。The calculation unit is used to calculate the data information according to the basic calculation indicators of the calculation platform to obtain the basic indicator results; input the basic indicator results into the preset calculation rule model for calculation to obtain the final calculation results, and return the final calculation results to Calculate the originator.
示例的,所述系统还包括:存储单元;Exemplarily, the system further includes: a storage unit;
所述存储单元,用于将所述数据信息、使用的计算规则模型、返回的计算结果存储。The storage unit is configured to store the data information, the calculation rule model used, and the returned calculation result.
示例的,所述系统还包括:判断单元,Exemplarily, the system further includes: a judging unit,
所述判断单元,用于依据所述唯一标识信息判断所述计算发起方的权限等级,若该权限等级大于预设等级,执行通过业务数据平台获取所述唯一标识数据对应的数据信息步骤,若该权限等级小于预设等级,向计算发起方返回计算请求无权限的通知消息。The judging unit is configured to judge the authority level of the calculation initiator according to the unique identification information, and if the authority level is greater than a preset level, perform the step of obtaining the data information corresponding to the unique identification data through the business data platform, if If the permission level is lower than the preset level, a notification message that the calculation request has no permission is returned to the calculation initiator.
可以理解的是,上述装置为了实现上述功能,其包含了执行各个功能相应的硬件和/或软件模块。结合本文中所公开的实施例描述的各示例的算法步骤,本申请能够以硬件或硬件和计算机软件的结合形式来实现。某个功能究竟以硬件还是计算机软件驱动硬件的方式来执行,取决于技术方案的特定应用和设计约束条件。本领域技术人员可以结合实施例对每个特定的应用来使用不同方法来实现所描述的功能,但是这种实现不应认为超出本申请的范围。It can be understood that, in order to realize the above functions, the above device includes corresponding hardware and/or software modules for performing each function. Combining the algorithm steps of each example described in the embodiments disclosed herein, the present application can be implemented in the form of hardware or a combination of hardware and computer software. Whether a certain function is executed by hardware or computer software drives hardware depends on the specific application and design constraints of the technical solution. Those skilled in the art may use different methods to implement the described functions in combination with the embodiments for each specific application, but such implementation should not be regarded as exceeding the scope of the present application.
本实施例可以根据上述方法示例对电子设备进行功能模块的划分,例如,可以对应各个功能划分各个功能模块,也可以将两个或两个以上的功能集成在一个处理模块中。上述集成的模块可以采用硬件的形式实现。需要说明的是,本实施例中对模块的划分是示意性的,仅仅为一种逻辑功能划分,实际实现时可以有另外的划分方式。In this embodiment, the functional modules of the electronic device may be divided according to the above method example. For example, each functional module may be divided corresponding to each function, or two or more functions may be integrated into one processing module. The above integrated modules may be implemented in the form of hardware. It should be noted that the division of modules in this embodiment is schematic, and is only a logical function division, and there may be other division methods in actual implementation.
需要说明的是,上述方法实施例涉及的各步骤的所有相关内容均可以援引到对应功能模块的功能描述,在此不再赘述。It should be noted that all relevant content of the steps involved in the above method embodiments can be referred to the function description of the corresponding function module, and will not be repeated here.
在采用集成的单元的情况下,用户设备可以包括处理模块和存储模块。其中,处理模块可以用于对用户设备的动作进行控制管理,例如,可以用于支持电子设备执行上述获取单元、通信单元、处理单元执行的步骤。存储模块可以用于支持电子设备执行存储程序代码和数据等。In the case of an integrated unit, the user equipment may include a processing module and a storage module. Wherein, the processing module can be used to control and manage the actions of the user equipment, for example, can be used to support the electronic equipment to execute the steps performed by the acquisition unit, the communication unit, and the processing unit. The memory module can be used to support electronic devices to execute stored program codes and data, and the like.
其中,处理模块可以是处理器或控制器。其可以实现或执行结合本申请公开内容所描述的各种示例性的逻辑方框,模块和电路。处理器也可以是实现计算功能的组合,例如包含一个或多个微处理器组合,数字信号处理(digital signal processing,DSP)和微处理器的组合等等。存储模块可以是存储器。通信模块具体可以为射频电路、蓝牙芯片、Wi-Fi芯片等与其他电子设备交互的设备。Wherein, the processing module may be a processor or a controller. It can implement or execute the various illustrative logical blocks, modules and circuits described in connection with the present disclosure. The processor may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of digital signal processing (digital signal processing, DSP) and a microprocessor, and the like. The storage module may be a memory. Specifically, the communication module may be a device that interacts with other electronic devices, such as a radio frequency circuit, a Bluetooth chip, and a Wi-Fi chip.
可以理解的是,本申请实施例示意的各模块间的接口连接关系,只是示意性说明,并不构成对用户设备的结构限定。在本申请另一些实施例中,用户设备也可以采用上述实施例中不同的接口连接方式,或多种接口连接方式的组合。It can be understood that the interface connection relationship between modules shown in the embodiment of the present application is only a schematic illustration, and does not constitute a structural limitation on the user equipment. In other embodiments of the present application, the user equipment may also adopt different interface connection modes in the foregoing embodiments, or a combination of multiple interface connection modes.
请参见图5,图5是本申请实施例提供的一种电子设备50,该电子设备50包括处理器501、存储器502、通信接口503和显示屏504,所述处理器501、存储器502和通信接口503通过总线相互连接,所述显示屏为所述电子设备供电,该电子设备还可以包括:Please refer to FIG. 5. FIG. 5 is an electronic device 50 provided by an embodiment of the present application. The electronic device 50 includes a
存储器502包括但不限于是随机存储记忆体(random access memory,RAM)、只读存储器(read-only memory,ROM)、可擦除可编程只读存储器(erasable programmableread only memory,EPROM)、或便携式只读存储器(compact disc read-only memory,CD-ROM),该存储器502用于相关计算机程序及数据。通信接口503用于接收和发送数据。The memory 502 includes but is not limited to random access memory (random access memory, RAM), read-only memory (read-only memory, ROM), erasable programmable read-only memory (erasable programmable read only memory, EPROM), or portable Read-only memory (compact disc read-only memory, CD-ROM), the memory 502 is used for related computer programs and data. The
处理器501可以是一个或多个中央处理器(central processing unit,CPU),在处理器501是一个CPU的情况下,该CPU可以是单核CPU,也可以是多核CPU。The
处理器501可以包括一个或多个处理单元,例如:处理单元可以包括应用处理器(application processor,AP),调制解调处理器,图形处理器(graphics processingunit,GPU),图像信号处理器(image signal processor,ISP),控制器,视频编解码器,数字信号处理器(digital signal processor,DSP),基带处理器,和/或神经网络处理器(neural-network processing unit,NPU)等。其中,不同的处理单元可以是独立的部件,也可以集成在一个或多个处理器中。在一些实施例中,用户设备也可以包括一个或多个处理单元。其中,控制器可以根据指令操作码和时序信号,产生操作控制信号,完成取指令和执行指令的控制。在其他一些实施例中,处理单元中还可以设置存储器,用于存储指令和数据。示例性地,处理单元中的存储器可以为高速缓冲存储器。该存储器可以保存处理单元刚用过或循环使用的指令或数据。如果处理单元需要再次使用该指令或数据,可从所述存储器中直接调用。这样就避免了重复存取,减少了处理单元的等待时间,因而提高了用户设备处理数据或执行指令的效率。The
在一些实施例中,处理器501可以包括一个或多个接口。接口可以包括集成电路间(inter-integrated circuit,I2C)接口、集成电路间音频(inter-integrated circuitsound,I2S)接口、脉冲编码调制(pulse code modulation,PCM)接口、通用异步收发传输器(universal asynchronous receiver/transmitter,UART)接口、移动产业处理器接口(mobile industry processor interface,MIPI)、用输入输出(general-purpose input/output,GPIO)接口、SIM卡接口和/或USB接口等。其中,USB接口是符合USB标准规范的接口,具体可以是Mini USB接口、Micro USB接口、USB Type C接口等。USB接口可以用于连接充电器为用户设备充电,也可以用于用户设备与外围设备之间传输数据。该USB接口也可以用于连接耳机,通过耳机播放音频。In some embodiments,
若该电子设备50为用户设备或终端设备,例如智能手机、计算机设备、服务器,该电子设备50中的处理器501用于读取所述存储器502中存储的计算机程序代码,执行以下操作:If the electronic device 50 is a user device or a terminal device, such as a smart phone, a computer device, or a server, the
接收计算发起方发出的待风控对象的唯一标识信息;Receive the unique identification information of the risk control object sent by the computing initiator;
通过业务数据平台获取所述唯一标识信息对应的数据信息,并根据计算平台基础的计算指标对该数据信息进行计算得到基础指标结果;Obtain the data information corresponding to the unique identification information through the business data platform, and calculate the data information according to the basic calculation indicators of the calculation platform to obtain the basic indicator results;
将所述基础指标结果输入到预设的计算规则模型进行计算得到最终计算结果,将最终计算结果返回给计算发起方。The basic index result is input into the preset calculation rule model for calculation to obtain the final calculation result, and the final calculation result is returned to the calculation initiator.
其中,上述方法实施例涉及的各场景的所有相关内容均可以援引到对应方法实施例的描述,在此不再赘述。Wherein, all the relevant content of each scenario involved in the above method embodiments can be referred to the description of the corresponding method embodiments, and will not be repeated here.
本申请实施例还提供一种计算机可读存储介质,所述计算机可读存储介质中存储有计算机程序,当其在网络设备上运行时,图2所示的方法流程得以实现。The embodiment of the present application also provides a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, and when the computer program is run on a network device, the method flow shown in FIG. 2 is realized.
本申请实施例还提供一种计算机程序产品,当所述计算机程序产品在终端上运行时,图2所示的方法流程得以实现。The embodiment of the present application also provides a computer program product. When the computer program product is run on a terminal, the method flow shown in FIG. 2 is realized.
本申请实施例还提供一种电子设备,包括处理器、存储器、通信接口,以及一个或多个程序,所述一个或多个程序被存储在所述存储器中,并且被配置由所述处理器执行,所述程序包括用于执行图2所示实施例的方法中的步骤的指令。The embodiment of the present application also provides an electronic device, including a processor, a memory, a communication interface, and one or more programs, the one or more programs are stored in the memory, and configured by the processor Execution, the program includes instructions for executing the steps in the method of the embodiment shown in FIG. 2 .
上述主要从方法侧执行过程的角度对本申请实施例的方案进行了介绍。可以理解的是,电子设备为了实现上述功能,其包含了执行各个功能相应的硬件结构和/或软件模板。本领域技术人员应该很容易意识到,结合本文中所提供的实施例描述的各示例的单元及算法步骤,本申请能够以硬件或硬件和计算机软件的结合形式来实现。某个功能究竟以硬件还是计算机软件驱动硬件的方式来执行,取决于技术方案的特定应用和设计约束条件。专业技术人员可以对每个特定的应用使用不同方法来实现所描述的功能,但是这种实现不应认为超出本申请的范围。The foregoing mainly introduces the solutions of the embodiments of the present application from the perspective of executing the process on the method side. It can be understood that, in order to realize the above functions, the electronic device includes corresponding hardware structures and/or software templates for performing each function. Those skilled in the art should easily realize that, in combination with the units and algorithm steps of the examples described in the embodiments provided herein, the present application can be implemented in the form of hardware or a combination of hardware and computer software. Whether a certain function is executed by hardware or computer software drives hardware depends on the specific application and design constraints of the technical solution. Skilled artisans may use different methods to implement the described functions for each specific application, but such implementation should not be regarded as exceeding the scope of the present application.
本申请实施例可以根据上述方法示例对电子设备进行功能单元的划分,例如,可以对应各个功能划分各个功能单元,也可以将两个或两个以上的功能集成在一个处理单元中。上述集成的单元既可以采用硬件的形式实现,也可以采用软件功能单元的形式实现。需要说明的是,本申请实施例中对单元的划分是示意性的,仅仅为一种逻辑功能划分,实际实现时可以有另外的划分方式。The embodiment of the present application may divide the electronic device into functional units according to the above method example, for example, each functional unit may be divided corresponding to each function, or two or more functions may be integrated into one processing unit. The above-mentioned integrated units can be implemented in the form of hardware or in the form of software functional units. It should be noted that the division of units in the embodiment of the present application is schematic, and is only a logical function division, and there may be another division manner in actual implementation.
需要说明的是,对于前述的各方法实施例,为了简单描述,故将其都表述为一系列的动作组合,但是本领域技术人员应该知悉,本申请并不受所描述的动作顺序的限制,因为依据本申请,某些步骤可以采用其他顺序或者同时进行。其次,本领域技术人员也应该知悉,说明书中所描述的实施例均属于优选实施例,所涉及的动作和模板并不一定是本申请所必须的。It should be noted that for the foregoing method embodiments, for the sake of simple description, they are expressed as a series of action combinations, but those skilled in the art should know that the present application is not limited by the described action sequence. Depending on the application, certain steps may be performed in other orders or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification belong to preferred embodiments, and the actions and templates involved are not necessarily required by this application.
在上述实施例中,对各个实施例的描述都各有侧重,某个实施例中没有详述的部分,可以参见其他实施例的相关描述。In the foregoing embodiments, the descriptions of each embodiment have their own emphases, and for parts not described in detail in a certain embodiment, reference may be made to relevant descriptions of other embodiments.
在本申请所提供的几个实施例中,应该理解到,所揭露的装置,可通过其它的方式实现。例如,以上所描述的装置实施例仅仅是示意性的,例如上述单元的划分,仅仅为一种逻辑功能划分,实际实现时可以有另外的划分方式,例如多个单元或组件可以结合或者可以集成到另一个系统,或一些特征可以忽略,或不执行。另一点,所显示或讨论的相互之间的耦合或直接耦合或通信连接可以是通过一些接口,装置或单元的间接耦合或通信连接,可以是电性或其它的形式。In the several embodiments provided in this application, it should be understood that the disclosed device can be implemented in other ways. For example, the device embodiments described above are only illustrative. For example, the division of the above units is only a logical function division. In actual implementation, there may be other division methods, for example, multiple units or components can be combined or integrated. to another system, or some features may be ignored, or not implemented. In another point, the mutual coupling or direct coupling or communication connection shown or discussed may be through some interfaces, and the indirect coupling or communication connection of devices or units may be in electrical or other forms.
上述作为分离部件说明的单元可以是或者也可以不是物理上分开的,作为单元显示的部件可以是或者也可以不是物理单元,即可以位于一个地方,或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部单元来实现本实施例方案的目的。The units described above as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or may be distributed to multiple network units. Part or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.
另外,在本申请各个实施例中的各功能单元可以集成在一个处理单元中,也可以是各个单元单独物理存在,也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现,也可以采用软件功能单元的形式实现。In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, each unit may exist separately physically, or two or more units may be integrated into one unit. The above-mentioned integrated units can be implemented in the form of hardware or in the form of software functional units.
上述集成的单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时,可以存储在一个计算机可读取存储器中。基于这样的理解,本申请的技术方案本质上或者说对现有技术做出贡献的部分或者该技术方案的全部或部分可以以软件产品的形式体现出来,该计算机软件产品存储在一个存储器中,包括若干指令用以使得一台计算机设备(可为个人计算机、服务器或者网络设备等)执行本申请各个实施例上述方法的全部或部分步骤。而前述的存储器包括:U盘、只读存储器(ROM,Read-Only Memory)、随机存取存储器(RAM,Random Access Memory)、移动硬盘、磁碟或者光盘等各种可以存储程序代码的介质。If the above-mentioned integrated units are realized in the form of software function units and sold or used as independent products, they can be stored in a computer-readable memory. Based on this understanding, the technical solution of the present application is essentially or part of the contribution to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a memory. Several instructions are included to make a computer device (which may be a personal computer, server or network device, etc.) execute all or part of the steps of the above-mentioned methods in various embodiments of the present application. The aforementioned memory includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.
本领域普通技术人员可以理解上述实施例的各种方法中的全部或部分步骤是可以通过程序来指令相关的硬件来完成,该程序可以存储于一计算机可读存储器中,存储器可以包括:闪存盘、只读存储器(英文:Read-Only Memory,简称:ROM)、随机存取器(英文:Random Access Memory,简称:RAM)、磁盘或光盘等。Those of ordinary skill in the art can understand that all or part of the steps in the various methods of the above-mentioned embodiments can be completed by instructing related hardware through a program, and the program can be stored in a computer-readable memory, and the memory can include: a flash disk , Read-only memory (English: Read-Only Memory, abbreviated: ROM), random access device (English: Random Access Memory, abbreviated: RAM), magnetic disk or optical disk, etc.
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