CN113129134A

CN113129134A - Credit product data processing method and device

Info

Publication number: CN113129134A
Application number: CN202110540730.0A
Authority: CN
Inventors: 赵纪刚; 李文举; 唐野; 安心怡
Original assignee: Industrial and Commercial Bank of China Ltd ICBC; ICBC Technology Co Ltd
Current assignee: Industrial and Commercial Bank of China Ltd ICBC; ICBC Technology Co Ltd
Priority date: 2021-05-18
Filing date: 2021-05-18
Publication date: 2021-07-16
Anticipated expiration: 2041-05-18
Also published as: CN113129134B

Abstract

The embodiment of the application provides a credit product data processing method and a credit product data processing device, which can be used in the technical field of finance, and the method comprises the following steps: selecting a target product family template corresponding to target credit product information from preset product family templates, wherein the target product family template comprises a target product family, target multi-dimensional product construction information corresponding to the target product family and at least one target interface function; and rewriting a target rule set corresponding to a preset rule engine according to target business rule data corresponding to the target credit product information, and reloading a target interface function, so that the rule engine executes business operation corresponding to the rewritten target rule set to create a target credit product corresponding to the target credit product information. The credit product data processing method and the credit product data processing system can effectively improve the efficiency, the automation degree and the intelligent degree of credit product data processing, can effectively reduce the data redundancy of the credit product development process, and improve the accuracy of the credit product data processing process and the convenience of data adjustment.

Description

Credit product data processing method and device

Technical Field

The application relates to the technical field of data processing, in particular to the technical field of finance, and specifically relates to a credit product data processing method and device.

Background

For a data processing process in credit product development, an existing credit system needs to perform independent development, configuration and adjustment on each component page, component, approval process, inspection process and the like of a product, for example, a plurality of links such as a product request page, a due diligence page, an examination and approval process, a product wind control process, a post-loan inspection process and the like are considered respectively. When creating and adjusting credit products, all links of the credit product need to be checked and adjusted.

However, in the existing credit product data processing process, due to the need of individual development, configuration and adjustment of various details of the product, the existing credit product data processing method has the problems of low processing efficiency, more redundant data, high adjustment difficulty, poor accuracy and the like.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a credit product data processing method and device, which can effectively improve the efficiency, the automation degree and the intelligence degree of credit product data processing, can effectively reduce the data redundancy in the credit product development process, and improve the accuracy and the data adjustment convenience of the credit product data processing process.

In order to solve the technical problem, the application provides the following technical scheme:

in a first aspect, the present application provides a credit product data processing method, comprising:

selecting a target product family template corresponding to target credit product information from preset product family templates, wherein the target product family template comprises a target product family, target multidimensional product construction information corresponding to the target product family and at least one target interface function;

and rewriting a target rule set corresponding to a preset rule engine according to the target business rule data corresponding to the target credit product information, and reloading the target interface function, so that the rule engine executes business operation corresponding to the rewritten target rule set to create and obtain a target credit product corresponding to the target credit product information.

Further, before selecting a target product family template corresponding to the target credit product information from the preset product family templates, the method further includes:

receiving and storing a plurality of rule sets of a product family template and a rule engine respectively corresponding to each product family;

each product family template comprises a product family, multi-dimensional product construction information corresponding to the product family and a plurality of interface functions;

the multi-dimensional product construction information includes multiple types of environment information.

Further, the selecting a target product family template corresponding to the target credit product information from the preset product family templates includes:

receiving a target credit product creation request, wherein the target credit product creation request comprises target credit product information, and the target credit product information comprises category information of a target credit product;

selecting a target product family among the respective product families as the target credit product according to the category information;

respectively selecting one from various types of environment information corresponding to the target product family to obtain target multi-dimensional product construction information corresponding to the target product family;

selecting a target interface function from a plurality of interface functions corresponding to the target product family;

and determining the target interface function and the target multi-dimensional product construction information corresponding to the target product family as a target product family template of the target credit product.

Further, the rewriting a target rule set corresponding to a preset rule engine according to the target business rule data corresponding to the target credit product information includes:

selecting a target rule set to be rewritten required for creating the target credit product from a plurality of rule sets of a rule engine corresponding to the target interface function;

and rewriting the target rule set according to the acquired target business rule data corresponding to the target credit product.

Further, still include:

receiving a target credit product update request, wherein the target credit product update request includes product adjustment information for the target credit product;

and updating the target product family template and the target rule set corresponding to the target credit product according to the product adjustment information.

Further, still include:

receiving a product family updating request, wherein the product family updating request comprises product family adjusting information of a target product family;

and updating the target product family template and the target rule set corresponding to the target product family according to the product family adjustment information, and updating each credit product corresponding to the target product family template.

Further, the types of the environment information include: link information, operation pages, process information, personnel information and authority information.

In a second aspect, the present application provides a credit product data processing apparatus comprising:

the system comprises a template selection module, a target product family selection module and a credit product identification module, wherein the template selection module is used for selecting a target product family template corresponding to target credit product information from preset product family templates, and the target product family template comprises a target product family, target multi-dimensional product construction information corresponding to the target product family and at least one target interface function;

and the product creating module is used for rewriting a preset target rule set corresponding to the rule engine according to the target business rule data corresponding to the target credit product information and reloading the target interface function, so that the rule engine executes business operation corresponding to the rewritten target rule set to create and obtain a target credit product corresponding to the target credit product information.

In a third aspect, the present application provides an electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the credit product data processing method when executing the program.

In a fourth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the credit product data processing method described herein.

According to the technical scheme, the credit product data processing method and the credit product data processing device provided by the application comprise the following steps: selecting a target product family template corresponding to target credit product information from preset product family templates, wherein the target product family template comprises a target product family, target multidimensional product construction information corresponding to the target product family and at least one target interface function; rewriting a target rule set corresponding to a preset rule engine according to target business rule data corresponding to the target credit product information, and reloading the target interface function, so that the rule engine executes business operation corresponding to the rewritten target rule set to create and obtain a target credit product corresponding to the target credit product information; by applying a product family and a rule engine, the credit product data processing process is changed from definition to function selection, the full design is changed into increment difference adjustment, and the business rule hard coding is changed into a business rule set for flexible realization, so that the credit product data processing efficiency, the automation degree and the intelligence degree can be effectively improved, the data redundancy in the credit product development process can be effectively reduced, the credit product accuracy is effectively improved, and the credit product adjustment difficulty is reduced; meanwhile, the efficiency and effectiveness of data processing in the credit product development process can be effectively improved, the workload of credit product data processing personnel can be effectively reduced, the user experience of credit product developers can be effectively improved, and particularly when batch products are adjusted, the workload can be greatly reduced by adjusting on the product family level.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic diagram of interaction between a credit product data processing apparatus and a client device in an embodiment of the application.

Fig. 2 is a first flowchart of a credit product data processing method in the embodiment of the present application.

Fig. 3 is a second flowchart of the credit product data processing method in the embodiment of the present application.

Fig. 4 is a flow chart illustrating step 100 of the credit product data processing method in the embodiment of the present application.

Fig. 5 is a flow chart illustrating step 200 of the credit product data processing method in the embodiment of the present application.

Fig. 6 is a flowchart

illustrating steps

310 and 320 of the credit product data processing method in the embodiment of the present application.

Fig. 7 is a flowchart

illustrating steps

410 and 420 of the credit product data processing method in the embodiment of the present application.

Fig. 8 is a schematic structural diagram of the credit product data processing apparatus in the embodiment of the present application.

Fig. 9 is a flowchart illustrating a process of building a product family in an application example of the present application.

Fig. 10 is a flowchart illustrating a process of building a product in an application example of the present application.

Fig. 11 is a flowchart illustrating a product adjustment process in an application example of the present application.

Fig. 12 is a flowchart illustrating a process of adjusting a product family in an application example of the present application.

Fig. 13 is a schematic structural diagram of an electronic device in an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

It should be noted that the credit product data processing method and apparatus disclosed in the present application may be used in the field of financial technology, and may also be used in any field other than the field of financial technology.

The existing credit product data processing process has the following problems:

1. the credit product is not in accordance with the conventional thinking of the business, and when the credit product is created, derivation is often performed on the basis of the existing similar product, innovative adjustment is performed at a local point, and readjustment is not required to be performed in all links.

2. The work is complicated and easy to make mistakes, and the existing credit products involve many links, including multiple links such as application, investigation and review, examination and approval, loan condition implementation, post-loan inspection and the like. If all the links are adjusted, the workload is large, the operation is complicated and the error is easy to occur,

3. there is a large amount of redundant storage of product information within the system. All links of each product need to be developed and configured independently, so that more information can be generated, and the information is identical or even consistent at the service level, so that a large amount of redundant storage exists in the product information.

4. Global adjustments are not easily made. In prior art solutions, each product is a separate entity. When global adjustment is required to be performed on all products according to supervision requirements, enterprise strategies and the like, each product needs to be adjusted individually technically, and unified adjustment through global configuration cannot be achieved.

In view of at least one of the above problems, embodiments of the present application respectively provide a credit product data processing method, a credit product data processing apparatus, and an electronic device computer-readable storage medium, where a target product family template corresponding to target credit product information is selected from preset product family templates, where the target product family template includes a target product family, target multidimensional product construction information corresponding to the target product family, and at least one target interface function; rewriting a target rule set corresponding to a preset rule engine according to target business rule data corresponding to the target credit product information, and reloading the target interface function, so that the rule engine executes business operation corresponding to the rewritten target rule set to create and obtain a target credit product corresponding to the target credit product information, wherein the credit product data processing process is converted from definition to function selection by applying a product family and the rule engine, is changed from full-scale design to incremental difference adjustment, and is flexibly realized from business rule hard coding to a business rule set, so that the efficiency, the automation degree and the intelligent degree of credit product data processing can be effectively improved, the data redundancy of a credit product development process can be effectively reduced, the accuracy of the credit product can be effectively improved, and the adjustment difficulty of the credit product can be reduced; meanwhile, the efficiency and effectiveness of data processing in the credit product development process can be effectively improved, the workload of credit product data processing personnel can be effectively reduced, the user experience of credit product developers can be effectively improved, and particularly when batch products are adjusted, the workload can be greatly reduced by adjusting on the product family level.

In one or more embodiments of the present application, credit refers to a form of value movement subject to reimbursement and payment. Typically including credit activities such as bank deposits, loans, and the like. Credit is an important form of mobilization and allocation of funds in a paid fashion.

In one or more embodiments of the present application, a credit product or product refers to a form of funds, credit service that is offered as merchandise to a customer for selection and consumption by a person in conducting a credit activity.

In one or more embodiments of the present application, a product family is an abstraction and abstraction of common features for products that can be mastered for product construction.

In one or more embodiments of the present application, a rules engine is a technical component that enables separation of business decisions from program code, and uses predefined semantic modules to write business decisions, accept data input, interpret business rules, and make business decisions based on business rules.

In one or more embodiments of the present application, the domain specific language dsl (domain specific language) is a proprietary language for domain experts, and is an abstraction of the host language.

Based on the above, the present application further provides a credit product data processing apparatus for implementing the credit product data processing method provided in one or more embodiments of the present application, referring to fig. 1, the credit product data processing apparatus may be in communication connection with a client device held by a credit product developer by itself or through a third-party server or the like, so as to receive a credit product family creation request, a target credit product update request, a product family update request, and the like sent by the client device corresponding to each credit product developer, obtain target credit product information from the target credit product creation request if the target credit product creation request is received, and then select a target product family template corresponding to the target credit product information from preset product family templates, wherein the target product family template includes a target product family, a product family template, and a product family template, Target multi-dimensional product construction information and at least one target interface function corresponding to the target product family; and rewriting a target rule set corresponding to a preset rule engine according to the target business rule data corresponding to the target credit product information, and reloading the target interface function, so that the rule engine executes business operation corresponding to the rewritten target rule set to create and obtain a target credit product corresponding to the target credit product information, and finally outputting the target credit product corresponding to the target credit product information, for example, sending the target credit product information to client equipment held by credit product developers for displaying and the like.

It is understood that the client devices may include smart phones, tablet electronic devices, network set-top boxes, portable computers, desktop computers, Personal Digital Assistants (PDAs), in-vehicle devices, smart wearable devices, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..

The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.

The server and the client device may communicate using any suitable network protocol, including network protocols not yet developed at the filing date of this application. The network protocol may include, for example, a TCP/IP protocol, a UDP/IP protocol, an HTTP protocol, an HTTPS protocol, or the like. Of course, the network Protocol may also include, for example, an RPC Protocol (Remote Procedure Call Protocol), a REST Protocol (Representational State Transfer Protocol), and the like used above the above Protocol.

The following embodiments and application examples are specifically and individually described in detail.

In order to solve the problems that in the existing credit product data processing process, various details of a product need to be developed, configured and adjusted individually, so that the credit product data processing efficiency is low, redundant data is more, the adjustment difficulty is high, the accuracy is poor and the like, the application provides an embodiment of a credit product data processing method, and referring to fig. 2, the credit product data processing method executed by a credit product data processing device specifically comprises the following contents:

step 100: and selecting a target product family template corresponding to target credit product information from preset product family templates, wherein the target product family template comprises a target product family, target multidimensional product construction information corresponding to the target product family and at least one target interface function.

In step 100, a generic commonality template for a category of credit products is formed from multidimensional, multi-dimensional product build information by extracting and abstracting commonality features of credit products. Interface functions which can be used for self-defining of subsequent products are pre-embedded in each key link of the template.

It is understood that the multi-dimensional product build information refers to multi-dimensional environment information for credit product build.

Step 200: and rewriting a target rule set corresponding to a preset rule engine according to the target business rule data corresponding to the target credit product information, and reloading the target interface function, so that the rule engine executes business operation corresponding to the rewritten target rule set to create and obtain a target credit product corresponding to the target credit product information.

In step 200, each product is overloaded according to its own characteristics and individual requirements during construction, and when each product is overloaded, a rule engine-based implementation manner is adopted to describe the service rule information in the domain-specific language DSL and deliver the service rule information to the rule engine for execution, thereby facilitating subsequent expansion and adjustment.

It is understood that the rule engines and corresponding rule sets in the product family can also be implemented by hard coding the corresponding logic processing by using the system, and the final functional requirements can be achieved, but the system lacks flexibility, so that the implementation of the rule engines and corresponding rule sets is adopted in the step 200 of the present application to effectively improve the credit product data processing flexibility.

As can be seen from the above description, in the credit product data processing method provided in the embodiment of the present application, by applying the product family and the rule engine, the credit product data processing process is changed from definition to function selection, the full design is changed into increment difference adjustment, and the business rule hard coding is changed into the business rule set for flexible implementation, so that the efficiency, the automation degree and the intelligence degree of the credit product data processing can be effectively improved, the data redundancy in the credit product development process can be effectively reduced, the accuracy of the credit product can be effectively improved, and the adjustment difficulty of the credit product can be reduced; meanwhile, the efficiency and effectiveness of data processing in the credit product development process can be effectively improved, the workload of credit product data processing personnel can be effectively reduced, the user experience of credit product developers can be effectively improved, and particularly when batch products are adjusted, the workload can be greatly reduced by adjusting on the product family level.

In order to pre-build a product family, in one embodiment of the credit product data processing method provided in the present application, referring to fig. 3, the following is further specifically included before step 100 in the credit product data processing method:

step 010: receiving and storing a plurality of rule sets of a product family template and a rule engine respectively corresponding to each product family; each product family template comprises a product family, multi-dimensional product construction information corresponding to the product family and a plurality of interface functions; the multi-dimensional product construction information includes multiple types of environment information.

Specifically, the credit product data processing means first receives basic information, category information, description information, and the like of a user-defined product family. And receiving all link information required by the product family defined by the user, such as an application link, a survey link, a rechecking link, an examination and approval link, a pre-loan condition implementation link, a post-loan inspection link and the like. And receiving all operation pages defined by the user and required by the product family, such as an application page, a survey page, a review page, an approval page, an inspection page and the like. And receiving all process information defined by a user and required by the product family, namely connecting operation pages under link information in series through the process information. All the person information defined by the user and required by the product family, namely all the person information involved in the execution process of the product family is received. All the right information defined by the user and required by the product family is received, namely, the right of each information content is confirmed, and the corresponding operation can be completed only under authorization. All interface functions required by the product family defined by the user are received, and the buried point for realizing overloading of the product is determined. Receiving a user-defined rule set required by all rule engines required by the product family, and explicitly allowing the rule set required by the mounted rule engine to receive the user-defined rule set under the interface function. And finishing the construction process of the product family.

It is understood that, through step 010, product families such as fast-loan product families, supply chain product families, and small micro product families may be constructed.

As can be seen from the above description, in the credit product data processing method provided in the embodiment of the present application, by pre-constructing a plurality of available product family templates and a plurality of rule sets of a rule engine, which correspond to a plurality of product families, respectively, in a credit product data processing process, a common commonality template of a certain category of credit products is formed according to dimensions such as an operation page, link information, flow information, personnel information, authority information, and the like, through extraction and abstraction of common features of credit products. Interface functions which can be customized by subsequent products are pre-embedded in each key link of the template, so that the efficiency, the automation degree and the intelligent degree of credit product data processing can be further improved, the data redundancy in the credit product development process can be effectively reduced, and the accuracy and the data adjustment convenience in the credit product data processing process are improved.

In order to improve the comprehensiveness and the applicability of credit product development and adjustment, in one embodiment of the credit product data processing method provided by the application, the types of the environment information in the credit product data processing method include: link information, operation pages, process information, personnel information and authority information.

As can be seen from the above description, the credit product data processing method provided in the embodiment of the application can effectively improve the comprehensiveness and the applicability of development and adjustment of credit products, can effectively meet the requirements of creation and adjustment of credit products, and can further improve the accuracy and the data adjustment convenience of the credit product data processing process by setting the type of the environment information as link information, operation pages, process information, personnel information, and authority information.

In order to improve the efficiency and reliability of selecting the target product family template, in one embodiment of the credit product data processing method provided in the present application, referring to fig. 4, the step 100 of the credit product data processing method specifically includes the following contents:

step 110: receiving a target credit product creation request, wherein the target credit product creation request comprises target credit product information, and the target credit product information comprises category information of the target credit product.

Step 120: selecting a target product family among the respective product families as the target credit product according to the category information.

Step 130: and respectively selecting one from various types of environment information corresponding to the target product family to obtain target multi-dimensional product construction information corresponding to the target product family.

Step 140: and selecting a target interface function from a plurality of interface functions corresponding to the target product family.

Step 150: and determining the target interface function and the target multi-dimensional product construction information corresponding to the target product family as a target product family template of the target credit product.

Specifically, the credit product data processing apparatus may receive basic information, category information, description information, etc. of the user-defined product. And selecting a product family corresponding to the product according to the category information of the product. After the product family is determined, the required link information can be selected on the basis of the link information of the product family, and the link information required by the product is identified. And on the basis of the operation page, selecting the required operation page information and identifying the operation page information required by the product. And on the basis of the flow information, selecting the required flow information and identifying the flow information required by the product. And on the basis of the personnel information, selecting the required personnel information and identifying the personnel information required by the product. And selecting the required authority information on the basis of the authority information, and identifying the authority information required by the product. Selection of the interface function is performed.

As can be seen from the above description, the credit product data processing method provided in the embodiments of the present application selects a target product family as the target credit product from among the product families according to the category information; respectively selecting one from various types of environment information corresponding to the target product family to obtain target multi-dimensional product construction information corresponding to the target product family; and selecting the target interface function from the plurality of interface functions corresponding to the target product family, so that the data redundancy of the credit product development process can be further reduced, and the efficiency and convenience of the credit product data processing process are improved.

In order to perform rapid construction and unified management and control, referring to fig. 5, an embodiment of the credit product data processing method provided in the present application specifically includes the following steps in step 200:

step 210: and selecting a target rule set to be rewritten required for creating the target credit product from a plurality of rule sets of the rule engine corresponding to the target interface function.

Step 220: and rewriting the target rule set according to the acquired target business rule data corresponding to the target credit product.

Step 230: and reloading the target interface function, so that the rule engine executes the business operation corresponding to the rewritten target rule set to create and obtain the target credit product corresponding to the target credit product information.

Specifically, the credit product data processing device can select interface function information required to be reloaded on the basis of the interface function and identify the interface function information required to be reloaded by the product. And on the basis of the rule set, selecting the rule set information required to be rewritten, and identifying the rule set information required to be rewritten by the product. And under the rule set, defining the business rules required by the product so as to embody the personal information and the characteristic logic of the product. And finishing the construction process of the product.

It is understood that through steps 210 through 230, credit products such as payroll products, hydroelectric credit products, medical credit products, etc. may be built based on the fast-crediting product family.

As can be seen from the above description, in the credit product data processing method provided in the embodiment of the present application, a target rule set to be rewritten, which is required for creating the target credit product, is selected from a plurality of rule sets of a rule engine corresponding to the target interface function; and rewriting the target rule set according to the acquired target business rule data corresponding to the target credit product, and reloading each product according to the characteristics and individual requirements of the product during construction, wherein when each product is reloaded, the business rule information is described in a domain-specific language by adopting a rule engine-based implementation mode, and the business rule information is submitted to the rule engine for execution, so that subsequent expansion and adjustment are facilitated. When the credit product is developed, the product family is developed based on the existing category, the business characteristic information of the product family is described in a rule language by means of a rule engine, and the product family is used as a master plate for credit product development and is quickly constructed and uniformly managed and controlled.

In order to adjust the credit product, an embodiment of the credit product data processing method provided in the present application, referring to fig. 6, further includes the following contents:

step 310: a target credit product update request is received, wherein the target credit product update request includes product adjustment information for the target credit product.

Step 320: and updating the target product family template and the target rule set corresponding to the target credit product according to the product adjustment information.

In particular, the credit product data processing means may make information adjustments of the product. And adjusting the composition requirements of the product, including link information, operation pages, process information, personnel information and authority information. During the adjustment process, the corresponding content of the product family may be re-referenced. The adjustment of the interface function is performed. During the adjustment process, the corresponding content of the product family may be re-referenced. Adjustments to the rule set are made. During the adjustment process, the corresponding content of the product family may be re-referenced. And adjusting the business rules. And finishing the adjustment process of the product. Through

steps

310 and 320, the content of the product can be adjusted individually, and during the adjustment process, the corresponding content of product family A can be re-referenced, and the adjustment of such product has no effect on the product family.

As can be seen from the above description, the credit product data processing method provided in the embodiment of the present application may complete the credit product adjustment process by updating the target product family template and the target rule set corresponding to the target credit product according to the product adjustment information. The contents of the credit product may be individually adjusted and, during the adjustment, the corresponding contents of the credit product family may be re-referenced. And the adjustment of the credit product has no influence on the credit product family, so that the efficiency, the automation degree and the intelligent degree of the data processing of the credit product can be further improved.

In order to adjust the product family corresponding to the credit product, an embodiment of the credit product data processing method provided by the present application, referring to fig. 7, further includes the following contents:

step 410: a product family update request is received, wherein the product family update request includes product family adjustment information of a target product family.

Step 420: and updating the target product family template and the target rule set corresponding to the target product family according to the product family adjustment information, and updating each credit product corresponding to the target product family template.

Specifically, the credit product data processing means may perform information adjustment of the product family. And adjusting the composition requirements of the product family, wherein the composition requirements comprise link information, operation pages, process information, personnel information and authority information. The adjustment of the interface function is performed. Adjustments to the rule set are made. All products in the product family are automatically adjusted correspondingly. Each product takes a product family as a master plate, and when the master plate is changed, the product automatically completes corresponding change. And finishing the adjustment process of the product family. By the method, all products in the product family can be automatically adjusted while the product family is adjusted.

As can be seen from the above description, the credit product data processing method provided in the embodiment of the present application may update the target product family template and the target rule set corresponding to the target product family according to the product family adjustment information, and update each credit product corresponding to the target product family template, so as to complete the adjustment process of the credit product family. And the automatic adjustment of all credit products under the credit product family can be completed while the credit product family is adjusted, so that the efficiency, the automation degree and the intelligent degree of data processing of the credit products can be further improved.

In terms of software, in order to solve the problems that in the existing credit product data processing process, various details of a product need to be developed, configured and adjusted individually, so that the credit product data processing efficiency is low, redundant data is more, the adjustment difficulty is high, the accuracy is poor and the like, the application provides an embodiment of a credit product data processing apparatus for executing all or part of the contents in the credit product data processing method, and referring to fig. 8, the credit product data processing apparatus specifically includes the following contents:

the template selecting module 10 is configured to select a target product family template corresponding to target credit product information from preset product family templates, where the target product family template includes a target product family, target multidimensional product construction information corresponding to the target product family, and at least one target interface function.

In the template selection module 10, a universal commonality template of a certain category of credit products is formed according to multi-dimensional product construction information of multiple dimensions by extracting and abstracting commonality characteristics of credit products. Interface functions which can be used for self-defining of subsequent products are pre-embedded in each key link of the template.

And the product creating module 20 is configured to rewrite a target rule set corresponding to a preset rule engine according to the target service rule data corresponding to the target credit product information, and reload the target interface function, so that the rule engine executes service operation corresponding to the rewritten target rule set to create and obtain a target credit product corresponding to the target credit product information.

In the product creation module 20, each product is overloaded according to its own characteristics and individual requirements during construction, and when each product is overloaded, the implementation mode based on the rule engine is adopted to describe the service rule information in the domain-specific language DSL, and the service rule information is delivered to the rule engine for execution, thereby facilitating subsequent expansion and adjustment.

The embodiment of the credit product data processing apparatus provided in the present application may be specifically used to execute the processing flow of the embodiment of the credit product data processing method in the foregoing embodiment, and the functions thereof are not described herein again, and reference may be made to the detailed description of the above method embodiment.

As can be seen from the above description, the credit product data processing apparatus provided in the embodiment of the present application converts the credit product data processing process from definition to function selection by applying the product family and the rule engine, changes the full-scale design into incremental difference adjustment, and changes the hard coding of the business rules into the business rule set for flexible implementation, so as to effectively improve the efficiency, automation degree and intelligence degree of credit product data processing, effectively reduce the data redundancy in the credit product development process, effectively improve the accuracy of the credit product, and reduce the adjustment difficulty of the credit product; meanwhile, the efficiency and effectiveness of data processing in the credit product development process can be effectively improved, the workload of credit product data processing personnel can be effectively reduced, the user experience of credit product developers can be effectively improved, and particularly when batch products are adjusted, the workload can be greatly reduced by adjusting on the product family level.

In order to further explain the scheme, the application also provides a specific application example of the credit product data processing method, and solves the problems that in the existing credit product development technology, because each product is an independent entity, the product is required to be created from beginning to end, and the relevance among the products is not established, the generated credit product development process is not consistent with the conventional thinking of the business, the work is tedious and easy to make mistakes, a large amount of redundant storage exists in product information, and the global adjustment is not easy to perform.

In the credit product development method, a credit product family and a rule engine technology are introduced. By extracting and abstracting the commonality characteristics of the credit products, a common commonality template of a certain category of credit products is formed according to dimensions such as an operation page, link information, process information, personnel information, authority information and the like. Interface functions which can be customized by subsequent products are pre-embedded in each key link of the template, heavy loading is realized by each product according to self characteristics and individual requirements during construction, and when each product is realized by heavy loading, a rule engine-based realization mode is adopted to describe service rule information in a domain-specific language DSL and deliver the service rule information to the rule engine for execution, thereby facilitating subsequent expansion and adjustment.

When the credit product is developed, the product family is developed based on the existing category, the business characteristic information of the product family is described in a rule language by means of a rule engine, and the product family is used as a master plate for credit product development and is quickly constructed and uniformly managed and controlled.

First, referring to fig. 9, the product family is constructed as follows:

step 11: the process of building a product family is started.

Step 12: defining product family A, and defining basic information, category information, description information and the like of the product family A.

Step 13: and defining link information B1, and defining all link information required by the product family A, such as an application link, a survey link, a review link, an examination and approval link, a pre-loan condition implementation link, a post-loan inspection link and the like.

Step 14: the definition of the operation page B2 is performed to define all operation pages required by the product family a, such as an application page, a survey page, a review page, an approval page, an inspection page, and the like.

Step 15: the definition of the flow information B3 is performed to define all the flow information required for the product family a, i.e., the operation page B2 under the link information B1 is concatenated through the flow information B3.

Step 16: the definition of the person information B4 is made, and all person information required for the product family a, that is, all person information B4 involved in the execution of the product family a, is defined.

And step 17: the definition of the authority information B5 is performed to define all the authority information required by the product family a, i.e. to confirm the authority of each information content, and the corresponding operation can be completed only under the authorization.

Step 18: and defining an interface function C, defining all interface functions required by the product family A, and determining a buried point for realizing overloading of the product.

Step 19: and defining a rule set D required by the rule engine, defining the rule set D required by all the rule engines required by the product family A, and defining the rule set D required by the rule engine allowed to be mounted under the interface function C.

Step 110: and finishing the construction process of the product family. By this method, fast-crediting product families, supply chain product families, small and micro product families and the like can be constructed.

Secondly, referring to fig. 10, the product is constructed as follows:

step 21: the build process of the product is started.

Step 22: and defining the product E, and defining basic information, category information, description information and the like of the product E.

Step 23: and selecting the product family A, and selecting the product family A corresponding to the product E according to the class information of the product E.

Step 24: selection of link information B1 is made. After the product family a is determined, the link information required for selecting the product E can be identified on the basis of the link information B1 of the product family a.

Step 25: selection of operation page B2 is made. On the basis of the operation page B2, the required operation page information is selected, and the operation page information required by the product E is identified.

Step 26: the selection of the flow information B3 is made. On the basis of the flow information B3, the required flow information is selected, identifying the flow information required for the product E.

Step 27: the selection of the person information B4 is made. On the basis of the personal information B4, the required personal information is selected, identifying the personal information required for the product E.

Step 28: selection of the right information B5 is made. On the basis of the right information B5, the required right information is selected, and the right information required for the product E is identified.

Step 29: the selection of the interface function C is made. And selecting interface function information required to be reloaded on the basis of the interface function C, and identifying the interface function information required to be reloaded by the product E.

Step 210: a selection of rule set D is made. And on the basis of the rule set D, selecting the rule set information required to be rewritten, and identifying the rule set information required to be rewritten for the product E.

Step 211: the definition of the business rule F in the rule set D is performed. And under the rule set D, defining a business rule F required by the product E so as to embody the personal information and the characteristic logic of the product E.

Step 212: and finishing the construction process of the product. By this method, wage credit products, hydroelectric credit products, medical credit products, etc. can be constructed based on the fast credit product family.

Thirdly, referring to fig. 11, the adjustment process of the product is as follows:

step 31: the product adjustment process is started.

Step 32: and adjusting the information of the product E.

Step 33: and adjusting the composition requirements of the product E, wherein the composition requirements comprise link information B1, an operation page B2, flow information B3, personnel information B4 and authority information B5. During the adjustment process, the corresponding content of product family A may be re-referenced.

Step 34: the adjustment of the interface function C is performed. During the adjustment process, the corresponding content of product family A may be re-referenced.

Step 35: an adjustment of rule set D is made. During the adjustment process, the corresponding content of product family A may be re-referenced.

Step 36: and adjusting the business rule F.

Step 37: and finishing the adjustment process of the product. By this method, the content of product E can be adjusted individually, and the corresponding content of product family A can be re-referenced during the adjustment process. The adjustment of the product E has no influence on the product family A.

Fourthly, referring to fig. 12, the adjustment process of the product family is as follows:

step 41: the adjustment process of the product family is started.

Step 42: and adjusting the information of the product family A.

Step 43: and adjusting the composition requirements of the product family A, wherein the composition requirements comprise link information B1, an operation page B2, flow information B3, personnel information B4 and authority information B5.

Step 44: the adjustment of the interface function C is performed.

Step 45: an adjustment of rule set D is made.

Step 46: and all products in the product family A are automatically adjusted correspondingly. Each product takes a product family as a master plate, and when the master plate is changed, the product automatically completes corresponding change.

Step 47: the adjustment process of the product family a is completed. By the method, all products in the product family can be automatically adjusted while the product family A is adjusted.

Based on the technical scheme, the credit product data processing method provided by the application example can improve the development efficiency and the adjustment efficiency of products and reduce redundant information storage. The introduction of the product family and the rule engine changes the product from definition to selection, changes the full-scale design to incremental difference adjustment, changes the hard coding of the business rules to the flexible realization of the business rule set, and particularly can greatly reduce the workload by adjusting and realizing on the product family level when batch product adjustment is carried out.

In terms of hardware, in order to solve the problems that in the existing credit product data processing process, various details of a product need to be separately developed, configured and adjusted, so that the credit product data processing efficiency is low, redundant data is more, the adjustment difficulty is high, the accuracy is poor, and the like, the application provides an embodiment of an electronic device for implementing all or part of the contents in the credit product data processing method, and the electronic device specifically includes the following contents:

fig. 13 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 13, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 13 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the credit product data processing functionality may be integrated into the central processor. Wherein the central processor may be configured to control:

As can be seen from the above description, the electronic device provided in the embodiment of the present application, by applying the product family and the rule engine, converts the credit product data processing process from definition to function selection, changes the full-scale design into incremental difference adjustment, and changes the business rule hard coding into the business rule set for flexible implementation, so as to effectively improve the efficiency, the automation degree, and the intelligence degree of the credit product data processing, effectively reduce the data redundancy in the credit product development process, effectively improve the accuracy of the credit product, and reduce the adjustment difficulty of the credit product; meanwhile, the efficiency and effectiveness of data processing in the credit product development process can be effectively improved, the workload of credit product data processing personnel can be effectively reduced, the user experience of credit product developers can be effectively improved, and particularly when batch products are adjusted, the workload can be greatly reduced by adjusting on the product family level.

In another embodiment, the credit product data processing apparatus may be configured separately from the central processor 9100, for example, the credit product data processing apparatus may be configured as a chip connected to the central processor 9100, with the credit product data processing functions being implemented by control of the central processor.

As shown in fig. 13, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 13; in addition, the electronic device 9600 may further include components not shown in fig. 13, which can be referred to in the prior art.

As shown in fig. 13, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

Embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps in the credit product data processing method in the above embodiments, the computer-readable storage medium having stored thereon a computer program that, when executed by a processor, implements all the steps of the credit product data processing method in the above embodiments, the execution subject of which is a server or a client, for example, the processor implements the following steps when executing the computer program:

As can be seen from the above description, the computer-readable storage medium provided in the embodiments of the present application, by applying the product family and the rule engine, converts the credit product data processing process from definition to function selection, changes from full design to incremental difference adjustment, and changes from hard coding of the business rules into a business rule set for flexible implementation, so as to effectively improve the efficiency, automation degree, and intelligence degree of credit product data processing, effectively reduce the data redundancy in the credit product development process, effectively improve the accuracy of the credit product, and reduce the difficulty in adjusting the credit product; meanwhile, the efficiency and effectiveness of data processing in the credit product development process can be effectively improved, the workload of credit product data processing personnel can be effectively reduced, the user experience of credit product developers can be effectively improved, and particularly when batch products are adjusted, the workload can be greatly reduced by adjusting on the product family level.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein. The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A credit product data processing method, comprising:

2. The credit product data processing method of claim 1, further comprising, before selecting the target product family template corresponding to the target credit product information from the preset respective product family templates:

3. The credit product data processing method of claim 2, wherein the selecting of the target product family template corresponding to the target credit product information from the preset respective product family templates comprises:

4. The credit product data processing method of claim 2, wherein the rewriting of the target rule set corresponding to the preset rule engine according to the target business rule data corresponding to the target credit product information comprises:

5. The credit product data processing method of any one of claims 1 to 4, further comprising:

6. The credit product data processing method of any one of claims 1 to 4, further comprising:

7. The credit product data processing method of claim 2 wherein the type of environmental information includes: link information, operation pages, process information, personnel information and authority information.

8. A credit product data processing apparatus, comprising:

9. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the credit product data processing method of any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium on which a computer program is stored, the computer program, when being executed by a processor, implementing the credit product data processing method according to any one of claims 1 to 7.