CN-121981817-A - Credit service product generation method, device, storage medium and equipment

CN121981817ACN 121981817 ACN121981817 ACN 121981817ACN-121981817-A

Abstract

The specification provides a method, a device, a storage medium and equipment for generating credit investigation service products. The credit investigation service product generation method comprises the steps of obtaining business record data generated in a credit investigation business process executed by a target object, determining a credit investigation business scene related to the business record data, determining a construction demand score corresponding to the credit investigation business scene according to occurrence frequency of the business record data in the credit investigation business scene and the difference degree of the business scene relative to the business scene corresponding to the existing credit investigation service product, generating product configuration information based on the business record data in the credit investigation business scene under the condition that the construction demand score corresponding to the credit investigation business scene meets the construction condition of the credit investigation service product, and calling a corresponding construction assembly to generate the target credit investigation service product corresponding to the credit investigation business scene according to the generated product configuration information.

Inventors

HU QUN

Assignees

钱塘征信有限公司

Dates

Publication Date: 20260505
Application Date: 20260408

Claims (14)

1. A generation method of credit service products is applied to a credit system corresponding to a credit organization, and comprises the following steps: The method comprises the steps of acquiring service record data generated in the process of executing credit investigation service by a target object, wherein the service record data comprises request data sent by the target object to a credit investigation system and/or credit investigation data returned by the credit investigation system to the target object based on the request data; Determining a credit investigation business scene related to the business record data, and determining a construction demand score corresponding to the credit investigation business scene according to the occurrence frequency of the business record data in the credit investigation business scene and the difference degree of the business scene relative to the business scene corresponding to the existing credit investigation service product, wherein the occurrence frequency and the difference degree are positively correlated with the construction demand score; under the condition that the construction requirement score corresponding to the credit investigation business scene meets the construction condition of the credit investigation service product, generating product configuration information based on business record data in the credit investigation business scene; And calling a corresponding construction component to generate a target credit investigation service product corresponding to the credit investigation service scene according to the generated product configuration information.
2. The method of claim 1, prior to determining the build demand score corresponding to the credit business scenario, the method further comprising: Inputting a plurality of business record data generated in the process of executing credit investigation business by a target object into a demand insight engine based on a language model, and clustering each business record data through the demand insight engine to determine at least one business scene related to each business record data according to a clustering result.
3. The method of claim 2, wherein clustering the business record data specifically comprises: identifying key fields in the business record data through the requirement insight engine, and carrying out standardization processing on the key fields to obtain standardized field vectors, wherein the key fields are fields of the expressed semantic information, corresponding to the standardized field vectors in a preset standard information base; Constructing a behavior data sequence of the target object based on the standardized field vector so as to perform clustering processing on the business record data through the behavior data sequence; generating product configuration information based on the service record data in the credit investigation service scene specifically comprises the following steps: And generating product configuration information based on the service record data in the credit investigation service scene through the demand insight engine.
4. The method of claim 1, prior to determining the build demand score corresponding to the credit business scenario, the method further comprising: Determining scene description information corresponding to the credit investigation service scene based on the service record data in the credit investigation service scene; and determining the difference degree of the service scene relative to the service scene corresponding to the existing credit investigation service product according to the scene description information corresponding to the credit investigation service scene and the scene description information of the service scene corresponding to the existing credit investigation service product.
5. The method of claim 1, determining a build demand score corresponding to the credit rating service scenario, specifically comprising: And carrying out weighted summation according to the occurrence frequency, the difference degree, the number of data demand parties related to the business record data in the credit investigation business scene, the user attention degree reflected by the business record data in the credit investigation business scene and the weight corresponding to each user attention degree, and obtaining the construction demand score.
6. The method of claim 1, wherein the credit service product construction conditions include that the construction demand score is greater than a preset score, or after the credit service scenes are ordered according to the order from high to low of the construction demand scores corresponding to the credit service scenes, the order corresponding to the service scenes is located before a preset ranking.
7. The method of claim 1, wherein the building component comprises a base information configurator, an output template generator, and a business rule configurator; according to the generated product configuration information, a corresponding construction component is called to generate a target credit investigation service product corresponding to the credit investigation service scene, and the method specifically comprises the following steps: The basic information configurator is called to enable the basic information configurator to configure basic information of the target credit investigation service product according to the product configuration information to obtain a metadata structure of the target credit investigation service product, the output template generator is called to enable the output template generator to generate a template structure corresponding to output content of the target credit investigation service product according to the product type reflected by the product configuration information, and the business rule configurator is called to configure business rules corresponding to the target credit investigation service product through the business rule configurator.
8. The method of claim 7, wherein the construction component comprises an algorithm model library and a product component library, wherein a plurality of algorithm models which can be used for constructing credit investigation service products are stored in the algorithm model library, and reusable codes corresponding to the constructed product components are stored in the product component library; according to the generated product configuration information, a corresponding construction component is called to generate a target credit investigation service product corresponding to the credit investigation service scene, and the method specifically comprises the following steps: At least one algorithm model matching the target credit service product is determined in the algorithm model library, and a reusable code corresponding to the product component matching the product configuration information is determined in the product component library.
9. The method of claim 8, the build component is provided by a preset product build engine for presenting a product orchestration canvas to a user; according to the generated product configuration information, a corresponding construction component is called to generate a target credit investigation service product corresponding to the credit investigation service scene, and the method specifically comprises the following steps: Responding to target operations executed by the user on each construction component in the product arrangement canvas, and adjusting the automatic construction data generated by each construction component based on the product configuration information so as to construct the target credit investigation service product according to the adjusted automatic construction data; Wherein the automation build data includes at least one of the metadata structure, the template structure, the business rules, the at least one algorithm model, and the reusable code.
10. The method of claim 1, the method further comprising: Generating an interface document which accords with the API interface specification of the credit investigation system, registering the interface document to an API gateway of the credit investigation system, deploying the target credit investigation service product to the credit investigation system, and updating a product catalog of the credit investigation service product provided by the credit investigation system.
11. A credit investigation service product generation device, comprising: The system comprises an acquisition module, a credit investigation module and a credit investigation module, wherein the acquisition module is used for acquiring service record data generated in the process of executing credit investigation service by a target object, and the service record data comprises request data sent by the target object to a credit investigation system and/or credit investigation data returned by the credit investigation system to the target object based on the request data; The system comprises a determining module, a processing module and a processing module, wherein the determining module is used for determining a credit investigation business scene related to the business record data, and determining a construction requirement score corresponding to the credit investigation business scene according to the occurrence frequency of the business record data in the credit investigation business scene and the difference degree of the business scene relative to the business scene corresponding to the existing credit investigation service product, wherein the occurrence frequency and the difference degree are positively correlated with the construction requirement score; the generation module is used for generating product configuration information based on the service record data in the credit investigation service scene under the condition that the construction requirement score corresponding to the credit investigation service scene meets the construction condition of the credit investigation service product; And the construction module is used for calling a corresponding construction assembly to generate a target credit investigation service product corresponding to the credit investigation service scene according to the generated product configuration information.
12. An electronic device comprising a processor, a memory for storing processor-executable instructions, wherein the processor is configured to implement the steps of the method of any one of claims 1-10 by executing the executable instructions.
13. A computer readable storage medium having stored thereon computer instructions which, when executed by a processor, implement the steps of the method of any of claims 1-10.
14. A computer program application comprising computer programs/instructions which when executed by a processor implement the steps of the method according to any of claims 1-10.

Description

Credit service product generation method, device, storage medium and equipment Technical Field One or more embodiments of the present disclosure relate to the field of computer technologies, and in particular, to a method, an apparatus, a storage medium, and a device for generating a credit investigation service product. Background Along with the rapid development of digital economy, credit investigation services are deeply integrated into multi-element economic scenes such as consumption finance, enterprise financing, scene credit and the like, and become a core support for guaranteeing the security of financial transactions and preventing credit risks. Because of the rising of new emerging states such as live E-commerce, flexible employment, shared economy and the like, higher requirements are put on scene suitability and quick iteration capacity of credit investigation products, and the requirements of markets on personalized and diversified credit investigation services are difficult to meet in the traditional credit investigation product mode based on fixed scene customization development. However, the construction of the existing credit investigation products generally requires service personnel to research related service requirements, so that corresponding product construction requirements are provided for developers, and because the manual investigation coverage is limited and is easily influenced by subjective experience deviation, the user requirements of dynamic control are difficult to accurately control, the product design and the actual service requirements are disjointed, and innovation iteration and market competitiveness improvement of the credit investigation products are severely restricted. Disclosure of Invention In view of this, one or more embodiments of the present disclosure provide the following technical solutions: according to a first aspect of one or more embodiments of the present disclosure, a method for generating a credit service product is provided, which is applied to a credit system corresponding to a credit institution, and includes: The method comprises the steps of acquiring service record data generated in the process of executing credit investigation service by a target object, wherein the service record data comprises request data sent by the target object to a credit investigation system and/or credit investigation data returned by the credit investigation system to the target object based on the request data; Determining a credit investigation business scene related to the business record data, and determining a construction demand score corresponding to the credit investigation business scene according to the occurrence frequency of the business record data in the credit investigation business scene and the difference degree of the business scene relative to the business scene corresponding to the existing credit investigation service product, wherein the occurrence frequency and the difference degree are positively correlated with the construction demand score; under the condition that the construction requirement score corresponding to the credit investigation business scene meets the construction condition of the credit investigation service product, generating product configuration information based on business record data in the credit investigation business scene; And calling a corresponding construction component to generate a target credit investigation service product corresponding to the credit investigation service scene according to the generated product configuration information. According to a second aspect of one or more embodiments of the present disclosure, there is provided a device for generating a credit service product, including: The system comprises an acquisition module, a credit investigation module and a credit investigation module, wherein the acquisition module is used for acquiring service record data generated in the process of executing credit investigation service by a target object, and the service record data comprises request data sent by the target object to the credit investigation system and/or credit investigation data returned by the credit investigation system to the target object based on the request data; The system comprises a determining module, a processing module and a processing module, wherein the determining module is used for determining a credit investigation business scene related to the business record data, and determining a construction requirement score corresponding to the credit investigation business scene according to the occurrence frequency of the business record data in the credit investigation business scene and the difference degree of the business scene relative to the business scene corresponding to the existing credit investigation service product, wherein the occurrence frequency and the difference degree are positively correlated with the construction requirement score; the generation module