CN113705976A

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Info

Publication number: CN113705976A
Application number: CN202110879199.XA
Authority: CN
Inventors: 刘金山
Original assignee: Beijing Metarnet Technology Co ltd
Current assignee: Beijing Metarnet Technology Co ltd
Priority date: 2021-08-02
Filing date: 2021-08-02
Publication date: 2021-11-26

Abstract

The invention discloses a risk control method and a risk control system based on business data, and relates to the technical field of communication operation data analysis; the method comprises the steps of combing income loss risk points in the business field, analyzing and classifying the income loss risk points, screening and concluding main businesses related to business handling of the income loss risk points, defining business checking interfaces of the main businesses, reviewing risk factors and rules related to the business checking interfaces, obtaining parameters of the business checking interfaces, opening the parameters to a business system, assisting the business system to check through the business checking interfaces and controlling business handling risks when the business system accepts the businesses.

Description

Risk control method and system based on business data

Technical Field

The invention discloses a method and a system, relates to the technical field of communication operation data, and particularly relates to a risk control method and a system based on business data.

Background

In the existing income risk control method for telecom operation, some methods are combined with operation experience and are based on the traditional data analysis theory to carry out audit analysis on the business field, the opening field, the charging field, the settlement field and the accounting field, and some methods are based on big data and machine learning algorithm to carry out scale analysis on mass data so as to find out non-compliance points and links which are easy to cause income loss in the fields. However, the income guarantee team needs to lead all relevant departments to study and analyze, so as to find out risk points influencing income and cost integrity, and the process of analyzing and quantifying risks is very long. For example, determining the priority for solving the risk problem according to the influence of the problem on the enterprise, then investigating the problem according to the processed priority and finding out the root cause, correcting the problem with high priority, then solving the problems with low priority one by one, summarizing and analyzing the problems after the problems are solved, and taking measures to prevent the problems from being replayed in the future. The process is a longer process, and the income guarantee experience is transmitted to the front end for a longer time, so that the development of a new project and the promotion of the existing project are not facilitated, and the income loss risk cannot be controlled from the source.

Disclosure of Invention

Aiming at the problems in the prior art, the invention provides a risk control method and a system based on business data, and the specific scheme provided by the invention is as follows:

a risk control method based on business data, which combs income loss risk points in the business field,

analyzing and classifying the income loss risk points, screening and summarizing the income loss risk points, relating to main business for business handling,

and defining the service verification interface of the main service, reviewing risk factors and rules related to the service verification interface, acquiring parameters of the service verification interface, opening the parameters to the service system, assisting the service system to verify through the service verification interface and controlling service handling risks when the service system accepts the service.

Furthermore, the risk control method based on the business data combs the income loss risk points based on the data of the current business field according to the audit points and the audit rules.

Furthermore, the risk control method based on the service data develops the service verification interface of the main service according to the audit point and the audit rule.

Further, the risk control method based on the service data analyzes new services in the service field, and defines a service check interface of the new services according to income loss risk points related to the new services.

The risk control system based on the business data comprises a data carding module, an analysis module, an interface module, a review module and a verification module,

the data carding module combs income loss risk points in the business field,

the analysis module analyzes and classifies the income loss risk points, screens and summarizes the income loss risk points and relates to main business for business handling,

the interface module defines a service verification interface of the main service, the review module reviews risk factors and rules related to the service verification interface, obtains parameters of the service verification interface and opens the parameters to the service system, and the verification module assists the service system to verify through the service verification interface and control service handling risks when the service system accepts the service.

Furthermore, the data combing module in the risk control system based on the business data combs the income loss risk points based on the data of the current business field according to the audit points and the audit rules.

Furthermore, the interface module in the risk control system based on the service data defines the service verification interface of the main service according to the audit point and the audit rule.

Furthermore, an analysis module in the risk control system based on the service data analyzes the new service in the service field, and an interface module defines a service verification interface of the new service according to the income loss risk point related to the new service.

The invention has the advantages that:

the invention provides a risk control method and a system based on business data, which define a business verification interface of a main business by screening and inducing main business related to business handling of income loss risk points, evaluate risk factors and rules related to the business verification interface, acquire parameters of the business verification interface and open the parameters to a business system, assist the business system to verify through the business verification interface and control business handling risks when the business system accepts the business, and can perform early intervention and verification on the business related to cost expenditure and income in a front-end business system. The method controls the business operation risk, can run through various stages, various tools and various means in the operation field, prevents the loss of income, avoids passive after-the-fact audit and is not beneficial to income retrieval.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings 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 invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

FIG. 1 is a schematic flow chart of the method of the present invention.

Fig. 2 is a schematic diagram of a business segment revenue loss ratio.

Fig. 3 is a schematic diagram illustrating the risk points in the telecom operation business process.

Fig. 4 is a schematic diagram of a beautiful number acceptance flow of a telecommunication BSS based on the method of the present invention.

Fig. 5 is a schematic view of the process of preventing commission fee from being collected by agent based on the invented method.

Detailed Description

The present invention is further described below in conjunction with the following figures and specific examples so that those skilled in the art may better understand the present invention and practice it, but the examples are not intended to limit the present invention.

The invention provides a risk control method based on business data, which combs income loss risk points in the business field,

The method disclosed by the invention is used for starting from a income loss risk point and from the angles of prevention, control and leakage stoppage, the timeliness of income guarantee work is improved to the maximum extent, and the quality and reliability of income guarantee are effectively improved, so that the loss in the business income field is effectively recovered, and the income level of an operator can be improved.

When the method is applied, the key risk points in the business field can be combed based on the current income guarantee audit base and historical experience. The database of the income guarantee system of the operator stores data including audit points and audit rules, and sorts, analyzes and extracts points which are easy to generate income loss and cause large income loss amount.

And analyzing and classifying the income loss risk points, and screening and summarizing main scenes related to business operation and business handling. Based on the database of the income guarantee system, the risk factors and rules of the risk points can be solidified and a service verification interface can be developed and defined. And extracting audit factors and rules to form a service check interface at the income guarantee side. Such as webservice interface or RESTful interface.

And (4) reviewing and discussing risk factors and rules related to the formed service verification interface, opening the risk factors and rules to a service system after the risk factors and the rules are agreed, and integrating and joint-debugging the risk factors and the rules with the service system to ensure the smoothness of service acceptance.

And (4) the business with income loss risk is subjected to the verification of the business verification interface before the order is submitted, and if the verification of the business verification interface is not passed, the business system is required to modify the acceptance content or forbid the acceptance.

And for the opening and handling of the new service, analyzing the risk points of the new service in advance from the income guarantee perspective, designing the precaution rules of the service risk, and developing and defining the service verification interface of the new service. The development and definition of the wind control interface are carried out on the key business and operation in advance, and the income loss of new business can be effectively avoided.

The annual revenue loss of telecom operators is statistically 1% to 5%. The income guarantee work runs through each stage of the telecom operator operation field, from selling products, ordering, service opening, network service, pricing, charging to payment settlement and the like. After the traditional means, problems are passively found, various costs are usually paid for recovering the loss, and some costs are even more than the recovered income. In a specific application, in some embodiments of the present invention, the intervention of the risk control method may be performed at various stages and links in the field of telecommunications operations. For example, the telecommunication BSS, based on the fair number acceptance flow of the present invention, may involve various check rules when the user handles the fair number service, such as how much the pre-deposit is to be reached, whether there is a contract, and the time length that the user must commit to being on the network. After the business system finishes the internal business rules of the CRM system, the business verification interface can be called by using the method of the invention to carry out the verification related to the income risk, so that the situation that the business rules have no problems but the income loss risk exists from the income angle is prevented. Refer to the flow of fig. 4. Loss is effectively restrained, such as an order ordering link, non-conforming business handling is limited, free resources, preferential packages, excessive and unreasonable ordering of promotion activities and the like can be effectively avoided, unreasonable opening of network elements and the like can be avoided from a source, and reasonable utilization of network resources is guaranteed; the charging field can effectively avoid the superposition of discounts, excessive giving and the like.

For example, the process of preventing the agent from collecting the commission fee based on the method of the invention can achieve the business volume at all cost in order to obtain the commission amount when the agent transacts the business, thereby obtaining the commission amount rewarded to the agent by the operator monthly or quarterly. Thus, various situations for collecting commission exist, such as the card is opened in the same month for sale, and the broadband is newly installed and removed in the same month. For example, in order to obtain a commission for handling the package A, the agent will handle the package A for the user in the same month, and change the package A to the package B with a lower gear in the same month, so that the operator can take the package A to handle the commission. The method of the invention is used for developing the service check interface, checking the agent business number, intervening in advance, and effectively ensuring the settlement abnormity aiming at the third party and the partner. Such as unreasonable settlement of fees, fluctuating settlement can be timely taken into secure excavation and deterred. Refer to fig. 5.

In conclusion, the method is based on the wind control idea. The income guarantee can be carried out, effective verification based on the service verification interface can be carried out on each service operation, and each stage running through the service field can not only be audit but also completely participate in the audit, so that the generated phenomenon can be timely and effectively intervened.

Meanwhile, the invention also provides a risk control system based on the business data, which comprises a data carding module, an analysis module, an interface module, a review module and a verification module,

the data carding module combs income loss risk points in the business field,

The information interaction, execution process and other contents between the modules in the system are based on the same concept as the method embodiment of the present invention, and specific contents can be referred to the description in the method embodiment of the present invention, and are not described herein again. Similarly, the system can furthest improve the timeliness of income guarantee work and effectively improve the quality and reliability of income guarantee from the income loss risk point and the angles of prevention, control and leakage stoppage, thereby effectively recovering the loss in the business income field and improving the income level of operators.

It should be noted that not all steps and modules in the processes and system structures in the preferred embodiments are necessary, and some steps or modules may be omitted according to actual needs. The execution order of the steps is not fixed and can be adjusted as required. The system structure described in the above embodiments may be a physical structure or a logical structure, that is, some modules may be implemented by the same physical entity, or some modules may be implemented by a plurality of physical entities, or some components in a plurality of independent devices may be implemented together.

The above-mentioned embodiments are merely preferred embodiments for fully illustrating the present invention, and the scope of the present invention is not limited thereto. The equivalent substitution or change made by the technical personnel in the technical field on the basis of the invention is all within the protection scope of the invention. The protection scope of the invention is subject to the claims.

Claims

1. A risk control method based on business data is characterized in that income loss risk points in the business field are combed,

2. The risk control method based on business data as claimed in claim 1, wherein the income loss risk points are sorted based on the data of the current business field according to the audit points and the audit rules.

3. The risk control method based on business data as claimed in claim 2, wherein the business verification interface of the main business is developed according to the audit point and the audit rule.

4. The method as claimed in claim 1, wherein new services in the service domain are analyzed, and service verification interfaces for the new services are defined according to revenue loss risk points involved in the new services.

5. The risk control system based on the business data is characterized by comprising a data carding module, an analysis module, an interface module, a review module and a verification module,

the data carding module combs income loss risk points in the business field,

6. The risk control system based on business data as claimed in claim 5, wherein the data combing module combs the income loss risk points according to the audit points and the audit rules based on the data of the current business field.

7. The risk control system based on business data of claim 6, wherein the interface module defines the business verification interface of the primary business according to the audit point and the audit rule.

8. The risk control system based on business data of claim 5, wherein the analysis module analyzes new businesses in the business domain, and the interface module defines the business verification interface of the new business according to the revenue loss risk point involved in the new business.