一种基于金融风控业务规则场景的决策引擎及实现方法

• Format: Patent
• Language: Chinese
• Published: 26.07.2024
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; ELECTRIC DIGITAL DATA PROCESSING; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

本发明涉及风控分布式微服务架构领域，提供了一种基于金融风控业务规则场景的决策引擎及实现方法。目的在于解决在以往的投资主体评分卡模型配置方面往往出现数据可读性差、可维护性差等问题。主要方案包括评分数据模型模块通过评分规则和实时数据结构创建数据模型，为评分卡提供数据集。评分卡模块将评分卡与数据模型绑定，配置评分规则。决策流模块创建决策流，配置评分卡顺序，提供调用模板。仿真测试模块对决策流进行仿真测试，获取评分结果。测试列表模块定义测试对象，填写测试数据，根据评分结果核验决策流，保存测试对象。部署配置模块将决策流与服务器绑定，提交审批，得到待审批的评级模型。规则审批模块验证规则配置，通过后部署模型。 The invention relates to the field of risk control distributed micro-service architecture, and provides a decision engine based on a financial risk control business rule scene and an implementation method. The objective of the invention is to solve the problems of poor data readability, poor maintainability and the like in the aspect of previous investment subject score card model configuration. According to the main scheme, a scoring data model module creates a data model through a scoring rule and a real-time data structure, and provides a data set for a scoring card. And the scoring card module binds a scoring card with the data model and configures a scoring rule. And the decision flow module creates a decisio