CN106204261A - A kind of information processing method, terminal and server - Google Patents
A kind of information processing method, terminal and server Download PDFInfo
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- CN106204261A CN106204261A CN201610481467.1A CN201610481467A CN106204261A CN 106204261 A CN106204261 A CN 106204261A CN 201610481467 A CN201610481467 A CN 201610481467A CN 106204261 A CN106204261 A CN 106204261A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The embodiment of the invention discloses a kind of information processing method, terminal and server.Described method includes: output display interface；Described display interface includes that display characterizes the first data of user creditworthiness；The first operation detected, obtain the first view data based on described first operation, and determine the type parameter that described first view data is corresponding；The authentication document comprised in described first view data characterizes identity and/or the ability of described user；Send request message to server；Described request message is for asking to promote the first data of described user；Described request message includes described first view data and the type parameter of correspondence；Obtain the confirmation response message of described server, updating described first data based on described confirmation response message is the second data that the described authentication document comprised in described first view data is corresponding, and described second data are the credit line that can promote on the basis of described first data.
Description
Technical field
The present invention relates to the information processing technology, be specifically related to a kind of information processing method, terminal and server.
Background technology
Along with the high speed development of the Internet financial business, the construction of individual's credit system seems extremely important and urgent.Mutually
Networking credit investigation system will greatly enrich tradition collage-credit data, have again real-time.But the Internet credit investigation system is the most logical
Cross the online data analyzing magnanimity, and according to the model established in advance, calculate the reference value of user.On the one hand, this mode
Generally collecting user data in the case of user is unwitting, increasingly focus on the privacy of individual along with user, this mode is non-
Chang Rongyi makes user dislike even to resist.On the other hand, user is that the Internet credit investigation system captures the number of self in passive waiting
According to, in existing implementation, user cannot actively promote the reference value of self.
Summary of the invention
For solving the technical problem of existing existence, embodiments provide a kind of information processing method, terminal kimonos
Business device, it is possible to the active realizing user credit amount promotes.
For reaching above-mentioned purpose, the technical scheme of the embodiment of the present invention is achieved in that
Embodiments providing a kind of information processing method, described method includes:
Output display interface；Described display interface includes that display characterizes the first data of user creditworthiness；
The first operation detected, obtain the first view data based on described first operation, and determine described first image
The type parameter that data are corresponding；The authentication document that comprises in described first view data characterize described user identity and/or
Ability；
Send request message to server；Described request message is for asking to promote the first data of described user；Institute
State request message and include described first view data and the type parameter of correspondence；
Obtaining the confirmation response message of described server, updating described first data based on described confirmation response message is institute
Stating the second data that the described authentication document comprised in the first view data is corresponding, described second data are in described first data
On the basis of the credit line that can promote.
In such scheme, described in the first operation detected, based on described first operation obtain the first view data, including:
The first operation detected, image acquisition units based on described first operation enabled terminals, adopted by described image
Collection unit gathers the first view data.
In such scheme, described in the first operation detected, based on described first operation obtain the first view data, including:
The first operation detected, the first view data based on the described first selected storage of operation.
In such scheme, described display interface also includes dissimilar parameter authentication document mark and correspondence can
The credit line promoted；
Wherein, the credit line promoted belonging to the different authentication file of same type parameter corresponding is identical or different.
The embodiment of the present invention additionally provides a kind of information processing method, and described method includes:
Server obtains the request message that terminal sends, it is thus achieved that the first view data in described request message and described
The type parameter of the first view data；
Described first view data is sent the authentication platform extremely matched with described type parameter by described server to be carried out
Checking, it is thus achieved that the result of described authentication platform；
The body of the described user that the authentication document comprised in described the result is described first view data characterizes
When part and/or ability are true, send to described terminal and confirm response message, described confirmation response message carries the second data,
Described second data are the credit line that can promote on the basis of described first data.
In such scheme, described before described terminal sends confirmation response message, described method also includes: based on described
The type parameter of the first view data, determines identity and/or the ability pair of the described user of described first view data sign
The credit line promoted answered.
In such scheme, described in the authentication document sign comprised in described the result is described first view data
When the identity of user and/or ability are true, described method also includes: store described first view data, described first image
The credit line of the lifting that data are corresponding and the incidence relation of described user.
The embodiment of the present invention additionally provides a kind of terminal, and described terminal includes: output display unit, detector unit, first
Processing unit and the first communication unit；Wherein,
Described output display unit, for output display interface；Described display interface includes that display characterizes user credit
First data of degree；
Described detector unit, is used for the first operation being detected；
Described first processing unit, obtains the first image for described first operation detected based on described detector unit
Data, and determine the type parameter that described first view data is corresponding；The authentication document comprised in described first view data
Characterize identity and/or the ability of described user；
Described first communication unit, is used for sending request message to server；Described request message is used for asking to promote institute
State the first data of user；Described request message includes described first view data and the type parameter of correspondence；Also use
In the confirmation response message obtaining described server；
Described first processing unit, being additionally operable to update described first data based on described confirmation response message is described first
The second data that the described authentication document that comprises in view data is corresponding, described second data are on the basis of described first data
The credit line that can promote.
In such scheme, described terminal also includes image acquisition units；
Described first processing unit, the figure of the described first operation enabled terminals for detecting based on described detector unit
As collecting unit, gather the first view data by described image acquisition units.
In such scheme, described terminal also includes memory element, is used for storing view data；
Described first processing unit, for the described first selected described storage of operation detected based on described detector unit
First view data of storage in unit.
The embodiment of the present invention additionally provides a kind of server, and described server includes: the second communication unit, the second process list
Unit and the 3rd communication unit；Wherein,
Described second communication unit, for obtaining the request message that terminal sends, sends described request message to described
Second processing unit；
Described second processing unit, for obtaining the first view data in described request message and described first image
The type parameter of data；
Described 3rd communication unit, for by described first view data send to recognizing that described type parameter matches
Card platform is verified, and obtains the result of described authentication platform, is sent at described second by described the result
Reason unit；
Described second processing unit, is additionally operable to the certification literary composition comprised in described the result is described first view data
When the identity of the described user that part characterizes and/or ability are true, sent really to described terminal by described second communication unit
Recognizing response message, carry the second data in described confirmation response message, described second data are on the basis of described first data
The credit line that can promote.
In such scheme, described second processing unit, it is additionally operable to be sent to described terminal by described second communication unit
Before confirming response message, type parameter based on described first view data, determine the institute that described first view data characterizes
State the identity of user and/or the credit line promoted that ability is corresponding.
In such scheme, described server also includes memory element；
Described second processing unit, is additionally operable to the certification literary composition comprised in described the result is described first view data
When the identity of the described user that part characterizes and/or ability are true, by described first view data, described first view data pair
The credit line of the lifting answered is stored in described memory element with the incidence relation of described user.
Information processing method, terminal and the server that the embodiment of the present invention provides, actively can promote letter by terminal
With amount, the view data that includes authentication document sends to server side, so that the view data that server will receive
Send the most relevant authentication platform and carry out the certification of the true and false, promote the credit line of terminal user based on authentication result, this
Mode is on the one hand, it is achieved that the active of the credit line of self is promoted by user, improves collage-credit data and obtains efficiency；The opposing party
Face, is verified by the view data including authentication document, considerably increases the verity of proof procedure.
Accompanying drawing explanation
Fig. 1 is to carry out each side's hardware entities schematic diagram that information is mutual in the embodiment of the present invention；
Fig. 2 is the first schematic flow sheet of the information processing method of the embodiment of the present invention；
Fig. 3 a to Fig. 3 c is the terminal demonstration schematic diagram of the embodiment of the present invention；
Fig. 4 is the second schematic flow sheet of the information processing method of the embodiment of the present invention；
Fig. 5 is the first scene application schematic diagram of the information processing method of the embodiment of the present invention；
Fig. 6 is the second scene application schematic diagram of the information processing method of the embodiment of the present invention；
Fig. 7 is the third scene application schematic diagram of the information processing method of the embodiment of the present invention；
Fig. 8 is the first composition structural representation of the terminal of the embodiment of the present invention；
Fig. 9 is the second composition structural representation of the terminal of the embodiment of the present invention；
Figure 10 is the third composition structural representation of the terminal of the embodiment of the present invention；
Figure 11 is the first composition structural representation of the server of the embodiment of the present invention；
Figure 12 is the second composition structural representation of the server of the embodiment of the present invention；
Figure 13 is a kind of hardware entity structure schematic diagram of the terminal of the embodiment of the present invention；
Figure 14 is a kind of hardware entity structure schematic diagram of the server of the embodiment of the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawings and specific embodiment the present invention is further detailed explanation.
Fig. 1 is to carry out each side's hardware entities schematic diagram that information is mutual in the embodiment of the present invention；As it is shown in figure 1, include clothes
Business device 11, terminal unit 21-23 and authentication platform 31-3n；Described terminal unit 21-23 can be carried out with server 11 by network
Information is mutual.Described terminal unit 21-23 includes the types such as smart mobile phone, desktop computer, notebook computer.Described server 11 can
Interacted with terminal unit by network, it is thus achieved that the request of terminal unit also responds according to this request.In one example,
Terminal unit sends the inquiry request of credit line to server 11, after described server receives described inquiry request, it is thus achieved that
The credit line of this terminal user, sends extremely described terminal unit by the credit line of described terminal user and shows
Show, know for described terminal user.In another example, the lifting that terminal unit sends credit line to server 11 is asked
Ask and send relevant image data；After described server 11 receives described image data, class based on described image data
The transmission of described image data is authenticated by type to corresponding authentication platform, such as, about the image data of user identity certificate,
The relevant authentication platform of described image data transmission to identity document is authenticated by described server 11；About educational background degree's diploma
The image data of part, described image data is sent the relevant authentication platform of extremely educational background degree and is authenticated by described server 11
Deng.
The example of above-mentioned Fig. 1 simply realizes a system architecture example of the embodiment of the present invention, and the embodiment of the present invention is not
It is limited to the system structure described in above-mentioned Fig. 1, based on this system architecture, proposes each embodiment of the present invention.
Embodiments provide a kind of information processing method, be applied in terminal.Fig. 2 is the letter of the embodiment of the present invention
The first schematic flow sheet of breath processing method；As in figure 2 it is shown, described information processing method includes:
Step 201: terminal output display interface；Described display interface includes that display characterizes the first of user creditworthiness
Data.
Step 202: the first operation detected, obtains the first view data based on described first operation, and determines described
The type parameter that first view data is corresponding；The authentication document comprised in described first view data characterizes the body of described user
Part and/or ability.
Step 203: send request message to server；Described request message is for asking to promote the first of described user
Data；Described request message includes described first view data and the type parameter of correspondence.
Step 204: obtain the confirmation response message of described server, updates described first based on described confirmation response message
Data are the second data that the described authentication document comprised in described first view data is corresponding, and described second data are described
The credit line that can promote on the basis of first data.
The information processing method of the present embodiment is applied in terminal, and described terminal can be specifically smart mobile phone, flat board electricity
The types such as brain, desktop computer, notebook computer.Being provided with the first application in described terminal, described first application can show end
The credit line of end subscriber, the credit line of described user characterizes the personal credit degree of user.Then it is in sharp in the first application
During the state of living, the display interface of described terminal output includes the first data characterizing the creditworthiness of terminal user, specifically
Can be as shown in Figure 3 a.As a kind of embodiment, the first data of described terminal output display can be described terminal user
Current credit line, makes described in after the operation such as initial basic credit line and consumption based on user, refund being
The credit line that user promotes.As another embodiment, specifically can as shown in Figure 3 a, the exportable display of described terminal first
Data are credit line (xxx)；Described credit line (xxx) characterizes the basic credit line of user.
In the present embodiment, the display interface of described terminal output includes the feeder connection promoting credit line, such as, scheme
The virtual functions region 31 that sign in 3a " promotes credit line " immediately；When detecting for described virtual functions region 31
During trigger action, described terminal output display characterizes the display interface promoting credit line, specifically can be as shown in Figure 3 b.
In the present embodiment, described display interface also includes dissimilar parameter authentication document mark and correspondence can
The credit line promoted；Wherein, described authentication document is identity and/or the file of ability characterizing user.Described sign makes
The file of the identity of user is such as: identity card, passport, officer's identity card etc.；The file of the ability of described sign user is such as: learn
Go through card, degree's diploma, property ownership certificate etc..The identity that can either characterize user can characterize again the ability such as driver's license of user
Etc..The credit line that can promote accordingly for different authentication documents is different.Such as, the credit line that identity card can promote is
A divides；The credit line that driver's license can promote is that b divides；The credit line that driving license can promote is that c divides；The credit that passport can promote
Amount is that d divides；The credit line that educational background card can promote is that e divides；The credit line that degree's diploma can promote is that f divides.But, for upper
State authentication document, potentially include at least two authentication document and belong to same type parameter；Such as, the certification such as identity card and passport literary composition
Part belongs to characterize the authentication document of user identity, in this case, belongs to the different authentication file pair of same type parameter
The credit line promoted answered is identical or different；Such as, the credit line that identity card can promote is that a divides；Passport can promote
Credit line is that d divides；Wherein a can be equal to d；As another embodiment, a can be not equal to d；Such as user first sends
Characterizing the view data of identity card, the credit line obtaining lifting after being proved to be successful is a；At the rear image sending again sign passport
Data, the credit line obtaining lifting after being proved to be successful is d；The d lifting values less than a, i.e. credit line can reduce.Certainly, table
The authentication document of the identity and/or ability of levying user is not limited to above-mentioned several authentication document, it is also possible to is the Certificate of House Property, deposits
Money/income proof etc. is able to demonstrate that the identity of user and/or the proof of ability.
As a kind of embodiment, for the display interface shown in Fig. 3 b provides a virtual functions region 32, work as detection
When arriving the trigger action for described virtual functions region 31, described terminal output display display interface as shown in Figure 3 c, with
Carry out characterizing the acquisition of the view data of described user identity and/or ability.Certainly, as another embodiment, can be right
Authentication document in each class identifies and is respectively provided with a virtual functions region, the trigger action for a virtual functions region detected
Time, the display interface that exportable and shown in Fig. 3 c the display interface of described terminal is identical, with the phase carried out with select authentication document
Acquisition with the view data of type.
In the present embodiment, described in the first operation detected, based on described first operation obtain the first view data.Wherein,
Described first operation can be the trigger action for a specific function region (such as one function button).Such as shown in Fig. 3 c
Display interface in, described specific function region (or function button) can be region 33 or region 34.For obtaining first
The mode of view data can include following at least two: as a kind of embodiment, described in the first operation detected, based on institute
State the first operation and obtain the first view data, including: the first operation detected, image based on described first operation enabled terminals
Collecting unit, gathers the first view data by described image acquisition units.As the second embodiment, described in detect
One operation, obtains the first view data based on described first operation, including: the first operation detected, based on described first operation
First view data of selected storage.
Concrete, in the first embodiment above-mentioned, described terminal is provided with image acquisition units (can pass through photographic head
Realize).When in detecting for the display interface shown in Fig. 3 c region 33 first operation time, described terminal can generate the first finger
Order, opens described image acquisition units based on described first instruction, and described terminal can carry out image by image acquisition units and adopt
Collection；Authentication document to be collected can be placed in the image acquisition region of described image acquisition units by user, passes through image
Collecting unit collection includes the first view data of described authentication document；Certainly, the first view data of collection to meet one
Fixed definition, it is simple to follow-up time authentication document in described first view data is verified, it is possible to identify described
The information comprised in one view data.In above-mentioned the second embodiment, can be in the image collection of storage in described terminal
Select and include the view data of authentication document as described first view data；In described terminal, the view data of storage is permissible
It is to obtain by the image acquisition units collection arranged and store, it is also possible to be other-end (such as desktop computer, notebook
Computer, mobile phone etc.) transmitted by cable network (such as data wire connected mode) or wireless network (such as bluetooth, Wi-Fi etc.)
Obtain to described terminal and store.
In the present embodiment, described terminal obtains described first view data, identifies the type of described first view data.Make
For a kind of embodiment, when described terminal only provide one for entrance (shown in the such as Fig. 3 b) promoting credit line time, institute
State terminal and can recognize that the sequence identifier of the authentication document in described first view data；The body of described sequence identifier such as identity card
Part card number；Passport number in passport；Coding in educational background/degree's diploma etc.；Sequence based on the authentication document identified
Mark determines the type parameter of described authentication document, namely determines the type parameter that described first view data is corresponding；Described class
Shape parameter specifically may include that proof of identification type, educational background/degree proves that type, other abilities prove type etc..As separately
A kind of embodiment, when described terminal is provided which the entrance for promoting credit line for each authentication document, described
Terminal can based on detect for promote the mark of the authentication document corresponding to the trigger action of credit line determine described in recognize
The type parameter of card file, namely determine the type parameter that described first view data is corresponding.
In the present embodiment, described terminal to server sends the request message for promoting credit line；Described request disappears
Breath includes described first view data and corresponding type parameter, to be rung described request message by described server
Should, it is achieved lifting or the response credit line of credit line promote unsuccessfully.
In the present embodiment, the true and false of the authentication document comprised in the first view data that terminal is sent by server determines
After completing, described terminal can receive the confirmation response message of described server, and described confirmation response message shows described first
Identity and/or the ability of the authentication document sign user comprised in view data are true；Accordingly, described terminal is based on described
Confirming that response message updates the credit line of user is the second data, and the second data described in output display；Described second
Data are the credit line that can promote on the basis of described first data, and described second data are it can be appreciated that described first figure
The credit line promoted that the authentication document that comprises in Xiang is corresponding.Specifically can be aobvious in the display interface of terminal as shown in Figure 3 a
" credit line (yyy) of lifting " shown is in the present embodiment the line of credit promoted by sending described first view data
Degree.
Certainly, after uploading multiple authentication document, it is corresponding that described terminal can promote the plurality of authentication document accordingly
Credit line；In such a scenario, in Fig. 3 a, " credit line (yyy) of lifting " of display can be the plurality of authentication document
Adding up of corresponding credit line；It can certainly be the credit line that this some uploaded authentication document is corresponding.
Actively that can promote credit line, to include authentication document view data is sent to server by terminal
Side, so that the view data received is sent the most relevant authentication platform by server carries out the certification of the true and false, ties based on certification
Fruit promotes the credit line of terminal user, and this mode is on the one hand, it is achieved that the active of the credit line of self is carried by user
Rise, improve collage-credit data and obtain efficiency；On the other hand, verified by the view data including authentication document, significantly
Add the verity of proof procedure.
The embodiment of the present invention additionally provides a kind of information processing method, is applied in server.Fig. 4 is the embodiment of the present invention
The second schematic flow sheet of information processing method；As shown in Figure 4, described information processing method includes:
Step 401: server obtains the request message that terminal sends, it is thus achieved that the first view data in described request message
And the type parameter of described first view data.
Step 402: described first view data is sent to the certification matched with described type parameter by described server
Platform is verified, it is thus achieved that the result of described authentication platform.
Step 403: make described in the authentication document sign comprised in described the result is described first view data
When the identity of user and/or ability are true, send to described terminal and confirm response message, described confirmation response message carries the
Two data, described second data are the credit line that can promote on the basis of described first data.
In the present embodiment, described server obtains the request message that terminal sends, and described request message is used for promoting terminal
The credit line of user.Described request message includes the first view data and type corresponding to described first view data
Parameter.After described server receives described request message, automatically described first view data is sent out based on described type parameter
The authentication platform delivering to correspondence is verified；Such as, when described type parameter characterizes user identity type, by described first figure
Verifying to authenticating user identification platform as data send, described authenticating user identification platform can be such as that government sets up
Identity card true and false inquiry system.
In the present embodiment, authentication platform can carry out comprising in described first view data based on the first view data obtained
The true and false of authentication document, when determining that the authentication document comprised in described first view data characterizes identity and/or the energy of user
When power is true, generating the first the result, described first the result shows the certification literary composition comprised in described first view data
Identity and/or the ability of the part described user of sign are true；When determining the authentication document table comprised in described first view data
When the identity at requisition family and/or ability are untrue, generating the second the result, described second the result shows described first figure
Characterize the identity of described user as the authentication document that comprises in data and/or ability is untrue.Described server receives institute
State the result of authentication platform；The authentication document comprised in described the result shows described first view data characterizes to be used
When the identity at family and/or ability are true, described server sends to described terminal and confirms response message, to show what terminal sent
Request message authentication passes through, and the credit line of user improves the letter that the authentication document in the first sent view data is corresponding
Use amount.The authentication document that comprises in described the result shows described first view data characterize user identity and/or
When ability is untrue, described server sends failure response message to described terminal, to show that request message that terminal sends is not
Passing through, the credit line of user can not promote.
In said process, as a kind of embodiment, described before described terminal sends confirmation response message, described side
Method also includes: type parameter based on described first view data, determines the described user that described first view data characterizes
Identity and/or the credit line promoted corresponding to ability.
Concrete, described server is pre-configured with the credit line promoted that each authentication document is corresponding, such as
Configure the most in the server during the credit line promoted that in Fig. 3 b, the authentication document of terminal demonstration is corresponding and concurrently sent
Show to terminal.Based on this, determined the certification comprised in described first view data by authentication platform at server
File characterize the identity of user and/or ability true time, described server is based on each of being pre-configured with authentication document pair
The credit line promoted answered, makes a look up according to the type parameter of described first view data, it is thus achieved that described first image
The identity of the described user of data characterization and/or the credit line promoted corresponding to ability, and it is being sent to terminal
Confirm response message adds described in the credit line (i.e. adding the second data in described confirmation response message) that can promote.
In said process, as a kind of embodiment, comprise in described the result is described first view data
When the identity of the described user that authentication document characterizes and/or ability are true, described method also includes: store described first image
Data and the incidence relation of described user.
Concrete, described server determines that by authentication platform the authentication document comprised in described first view data characterizes
The identity of described user and/or ability true time, described server is by described first view data and the association of user
Relation is stored in the memorizer of self, or is stored in independent data base；The data of storage can also include lifting
Credit line；So that when the inquiry of follow-up credit line, the credit line that can have been promoted by the data query of storage.
Actively that can promote credit line, to include authentication document view data is sent to server by terminal
Side, so that the view data received is sent the most relevant authentication platform by server carries out the certification of the true and false, ties based on certification
Fruit promotes the credit line of terminal user, and this mode is on the one hand, it is achieved that the active of the credit line of self is carried by user
Rise, improve collage-credit data and obtain efficiency；On the other hand, verified by the view data including authentication document, significantly
Add the verity of proof procedure.
Below in conjunction with concrete application scenarios, the information processing method of the embodiment of the present invention is described in detail.
Scene one
This application scene is that user makes a credit inquiry the application scenarios of amount, and Fig. 5 is the information processing side of the embodiment of the present invention
The first scene application schematic diagram of method；As it is shown in figure 5, specifically include:
Step 51: terminal to server sends the inquiry request of credit line.
Step 52: server returns basis credit line and the credit line of lifting to terminal.
Concrete, in server, record has the basic credit line of user, and the credit line that user actively promotes.?
When user uses the first application, described terminal can obtain the basic credit line of described user by inquiry request, such as can be such as
" credit line (xxx) " shown in Fig. 3 a represents；Accordingly, described terminal can obtain the credit that this user actively promotes simultaneously
Amount, can " credit line (yyy) of lifting " as shown in fig. 3a represent.Concrete, user can click on " the line of credit of lifting
Degree (yyy) ", all which part it is made up of with the credit line (yyy) that inquiry promotes.Specifically can refer to the description of scene 2.
Scene two
This application scene is the application scenarios that user inquires about that the credit line of lifting which part is made up of.Fig. 6 is the present invention
The second scene application schematic diagram of the information processing method of embodiment；As shown in Figure 6, specifically include:
Step 61: terminal to server sends the inquiry request having promoted credit line.
Step 62: server lookup data base, inquires about the lifting credit line of a certain authentication document.
Step 63: server obtains the lifting credit line of the described authentication document that data base returns.
Step 63: server returns the lifting credit line of described authentication document to terminal.
Concrete, description based on scene one, when user can click on " credit line (yyy) of lifting ", terminal is to clothes
Business device sends the inquiry request having promoted credit line, and described inquiry request user inquires about the line of credit that described user is the most boosted
Degree.After described server receives described inquiry request, inquire about data base, it is thus achieved that the data of described user-association, described user
The data of association include that user improves how many credit lines based on any certificate uploaded, and also include including subpoena
View data of part etc..After server lookup data base, it is thus achieved that the credit line that this user is the most boosted, and which specifically includes
A kind of certificate improves how many credit line etc.；Data base returns above-mentioned Query Result.Described server receives described
After Query Result, described Query Result is sent to terminal for terminal demonstration.
Scene three
This application scene is the application scenarios that user promotes the detailed process of credit line.Fig. 7 is the embodiment of the present invention
The third scene application schematic diagram of information processing method；As it is shown in fig. 7, specifically include:
Step 71: user is by the image of the photographic head scanning certificate of terminal.
Step 72: the image of scanning is uploaded onto the server by terminal.
Step 73: the type parameter of server identification image.
Step 74: described image is sent to corresponding authentication platform by server.
Step 75: the true and false of the certificate in the authentication platform image to receiving is verified, it is thus achieved that the result.
Step 76: authentication platform returns the result to server.
Step 77: when the certificate that the result that server receives shows in image is true, calculate described certificate pair
The credit line promoted answered, sets up described image, described credit line and the incidence relation of user, described association is closed
System stores to data base.
Step 78: server returns, to terminal, the credit line that described certificate promotes, with by promoting described in terminal demonstration
Credit line.
The embodiment of the present invention additionally provides a kind of terminal.Fig. 8 is the first composition structure of the terminal of the embodiment of the present invention
Schematic diagram；As shown in Figure 8, described terminal includes: output display unit 81, detector unit the 82, first processing unit 83 and first
Communication unit 84；Wherein,
Described output display unit 81, for output display interface；Described display interface includes that display characterizes user letter
By the first data of degree；
Described detector unit 82, is used for the first operation being detected；
Described first processing unit 83, for the described first operation acquisition first detected based on described detector unit 82
View data, and determine the type parameter that described first view data is corresponding；The certification comprised in described first view data
File characterizes identity and/or the ability of described user；
Described first communication unit 84, is used for sending request message to server；Described request message is used for asking to promote
First data of described user；Described request message includes described first view data and the type parameter of correspondence；Also
For obtaining the confirmation response message of described server；
Described first processing unit 83, being additionally operable to update described first data based on described confirmation response message is described the
The second data that the described authentication document that comprises in one view data is corresponding, described second data are on described first data basis
On the credit line that can promote.
The terminal of the present embodiment can be specifically the types such as smart mobile phone, panel computer, desktop computer, notebook computer.
Described terminal is provided with the first application, described first application can the credit line of displaying terminal user, the letter of described user
The personal credit degree of user is characterized by amount.Then when the first application is active, described output display unit 81 is defeated
The display interface gone out includes the first data characterizing the creditworthiness of terminal user, specifically can be as shown in Figure 3 a.As one
Planting embodiment, the first data of described output display unit 81 output display can be the credit that described terminal user is current
Amount, is that described user promotes after operating including initial basic credit line and consumption based on user, refund etc.
Credit line.As another embodiment, specifically can as shown in Figure 3 a, the described exportable display of output display unit 81 first
Data are credit line (xxx)；Described credit line (xxx) characterizes the basic credit line of user.
In the present embodiment, the display interface of described output display unit 81 output includes that the passage promoting credit line enters
Mouthful, such as the virtual functions region 31 that the sign in Fig. 3 a " promotes credit line " immediately；When described detector unit 82 detects
During for the trigger action in described virtual functions region 31, described output display unit 81 output display characterizes and promotes credit line
Display interface, specifically can be as shown in Figure 3 b.
In the present embodiment, described display interface also includes dissimilar parameter authentication document mark and correspondence can
The credit line promoted；Wherein, described authentication document is identity and/or the file of ability characterizing user.Described sign makes
The file of the identity of user is such as: identity card, passport, officer's identity card etc.；The file of the ability of described sign user is such as: learn
Go through card, degree's diploma, property ownership certificate etc..The identity that can either characterize user can characterize again the ability such as driver's license of user
Etc..The credit line that can promote accordingly for different authentication documents is different.Such as, the credit line that identity card can promote is
A divides；The credit line that driver's license can promote is that b divides；The credit line that driving license can promote is that c divides；The credit that passport can promote
Amount is that d divides；The credit line that educational background card can promote is that e divides；The credit line that degree's diploma can promote is that f divides.But, for upper
State authentication document, potentially include at least two authentication document and belong to same type parameter；Such as, the certification such as identity card and passport literary composition
Part belongs to characterize the authentication document of user identity, in this case, belongs to the different authentication file pair of same type parameter
The credit line promoted answered is identical or different；Such as, the credit line that identity card can promote is that a divides；Passport can promote
Credit line is that d divides；Wherein a can be equal to d；As another embodiment, a can be not equal to d；Such as user first sends
Characterizing the view data of identity card, the credit line obtaining lifting after being proved to be successful is a；At the rear image sending again sign passport
Data, the credit line obtaining lifting after being proved to be successful is d；The d lifting values less than a, i.e. credit line can reduce.Certainly, table
The authentication document of the identity and/or ability of levying user is not limited to above-mentioned several authentication document, it is also possible to is the Certificate of House Property, deposits
Money/income proof etc. is able to demonstrate that the identity of user and/or the proof of ability.
As a kind of embodiment, for the display interface shown in Fig. 3 b provides a virtual functions region 32, when described
When detector unit 82 detects the trigger action for described virtual functions region 31, described output display unit 81 output display
Display interface as shown in Figure 3 c, to carry out characterizing the acquisition of the view data of described user identity and/or ability.Certainly,
As another embodiment, can identify for the authentication document of each class and be respectively provided with a virtual functions region, described detection list
Unit 82 is when the trigger action for a virtual functions region being detected, described output display unit 81 exportable with shown in Fig. 3 c
The display interface that display interface is identical, the acquisition of view data of the same type to carry out and select authentication document.
In the present embodiment, described detector unit 82 detects the first operation, and described first processing unit 83 is based on described
One operation obtains the first view data.Wherein, described first operation can be that (such as one function is pressed for a specific function region
Key) trigger action.Such as in the display interface shown in Fig. 3 c, described specific function region (or function button) can be
Region 33 or region 34.Following at least two can be included: as a kind of embodiment party for obtaining the mode of the first view data
Formula, Fig. 9 is the second composition structural representation of the terminal of the embodiment of the present invention；As it is shown in figure 9, described terminal also includes image
Collecting unit 85；Described first processing unit 83, enables for described first operation detected based on described detector unit 82
The image acquisition units 85 of terminal, gathers the first view data by described image acquisition units 85.As the second embodiment party
Formula, Figure 10 is the third composition structural representation of the terminal of the embodiment of the present invention；As shown in Figure 10, described terminal also includes depositing
Storage unit 86, is used for storing view data；Described first processing unit 83, for the institute detected based on described detector unit 82
State the first operation and select the first view data of storage in described memory element 86.
Concrete, in the first embodiment above-mentioned, described terminal is provided with image acquisition units 85 (can be by shooting
Head realizes).When during described detector unit 82 detects for the display interface shown in Fig. 3 c region 33 first operation time, described
First processing unit 83 can generate the first instruction, opens described image acquisition units 85, described terminal based on described first instruction
Image acquisition can be carried out by image acquisition units 85；Authentication document to be collected can be placed on described image acquisition by user
In the image acquisition region of unit 85, gathered the first picture number including described authentication document by image acquisition units 85
According to；Certainly, the first view data of collection to meet certain definition, it is simple to follow-up to recognizing in described first view data
When card file is verified, it is possible to identify the information comprised in described first view data.At above-mentioned the second embodiment
In, the image collection that described first processing unit 83 can store in described memory element 86 is selected and includes authentication document
View data is as described first view data；In described memory element 86, the view data of storage can be the figure by arranging
Obtain as collecting unit 85 gathers and store, it is also possible to be other-end (such as desktop computer, notebook computer, mobile phone etc.)
Transmit extremely described terminal by cable network (such as data wire connected mode) or wireless network (such as bluetooth, Wi-Fi etc.) to obtain
Obtain and store.
In the present embodiment, described first processing unit 83 obtains described first view data, identifies described first picture number
According to type.As a kind of embodiment, when only provide one for entrance (shown in the such as Fig. 3 b) promoting credit line time,
Described first processing unit 83 can recognize that the sequence identifier of the authentication document in described first view data；Described sequence identifier example
ID (identity number) card No. such as identity card；Passport number in passport；Coding in educational background/degree's diploma etc.；Based on recognizing of identifying
The sequence identifier of card file determines the type parameter of described authentication document, namely determines the type that described first view data is corresponding
Parameter；Described type parameter specifically may include that proof of identification type, educational background/degree proves that type, other abilities prove type
Etc..As another embodiment, when being provided which the entrance for promoting credit line for each authentication document, institute
Stating the first processing unit 83 can be based on the mark for promoting the authentication document corresponding to the trigger action of credit line detected
Know the type parameter determining described authentication document, namely determine the type parameter that described first view data is corresponding.
In the present embodiment, described first communication unit 84 sends the request message for promoting credit line to server；
Described request message includes described first view data and corresponding type parameter, with by described server to described request
Message responds, it is achieved lifting or the response credit line of credit line promote unsuccessfully.
In the present embodiment, the true and false of the authentication document comprised in the first view data that terminal is sent by server determines
After completing, described first communication unit 84 can receive the confirmation response message of described server, described confirmation response message table
Identity and/or the ability of the authentication document sign user comprised in bright described first view data are true；Accordingly, described
The credit line that one processing unit 83 updates user based on described confirmation response message is the second data, and output display institute
State the second data；Described second data are the credit line that can promote on the basis of described first data, and described second data are also
Can be understood as the credit line promoted that the authentication document that comprises in described first image is corresponding.Specifically can be such as Fig. 3 a institute
Showing, in the display interface of terminal, " credit line (yyy) of lifting " of display is in the present embodiment by sending described first
View data and the credit line that promotes.
Certainly, after uploading multiple authentication document, it is corresponding that described terminal can promote the plurality of authentication document accordingly
Credit line；In such a scenario, in Fig. 3 a, " credit line (yyy) of lifting " of display can be the plurality of authentication document
Adding up of corresponding credit line；It can certainly be the credit line that this some uploaded authentication document is corresponding.
In the embodiment of the present invention, detector unit the 82, first processing unit 83 in described terminal, in actual applications
By the central processing unit (CPU, Central Processing Unit) in described terminal, digital signal processor (DSP,
Digital Signal Processor), micro-control unit (MCU, Microcontroller Unit) or programmable gate array
(FPGA, Field-Programmable Gate Array) realizes；Output display unit 81 in described terminal, should in reality
Can be realized by the display screen in described terminal in；Image acquisition units 85 in described terminal, can pass through in actual applications
Photographic head realizes；The first communication unit 84 in described terminal, can pass through communications module in actual applications and (comprise: basis is logical
Letter external member, operating system, communication module, standard interface and agreement etc.) and dual-mode antenna realization；Storage list in described terminal
Unit 86, can be realized by the memorizer in described terminal in actual applications.
The embodiment of the present invention additionally provides a kind of server.Figure 11 is the first composition of the server of the embodiment of the present invention
Structural representation；As shown in figure 11, described server includes: the second communication unit the 91, second processing unit 92 and the 3rd communication
Unit 93；Wherein,
Described second communication unit 91, for obtaining the request message that terminal sends, sends described request message to institute
State the second processing unit 92；
Described second processing unit 92, for obtaining the first view data in described request message and described first figure
Type parameter as data；
Described 3rd communication unit 93, for extremely match described first view data transmission with described type parameter
Authentication platform is verified, and obtains the result of described authentication platform, sends described the result to described second
Processing unit 92；
Described second processing unit 92, is additionally operable to the certification comprised in described the result is described first view data
When the identity of the described user that file characterizes and/or ability are true, sent out to described terminal by described second communication unit 91
Sending confirmation response message, carry the second data in described confirmation response message, described second data are at described first data base
The credit line that can promote on plinth.
In the present embodiment, described second communication unit 91 obtains the request message that terminal sends, and described request message is used for
Promote the credit line of terminal user.Described request message includes the first view data and described first view data pair
The type parameter answered.After described second communication unit 91 receives described request message, described second processing unit 92 is based on institute
State type parameter automatically described first view data to be sent to corresponding authentication platform by the 3rd communication unit 93 and test
Card；Such as, when described type parameter characterizes user identity type, by the 3rd communication unit 93 by described first view data
Sending and verify to authenticating user identification platform, described authenticating user identification platform can be such as the identity card that government sets up
True and false inquiry system.
In the present embodiment, authentication platform can carry out comprising in described first view data based on the first view data obtained
The true and false of authentication document, when determining that the authentication document comprised in described first view data characterizes identity and/or the energy of user
When power is true, generating the first the result, described first the result shows the certification literary composition comprised in described first view data
Identity and/or the ability of the part described user of sign are true；When determining the authentication document table comprised in described first view data
When the identity at requisition family and/or ability are untrue, generating the second the result, described second the result shows described first figure
Characterize the identity of described user as the authentication document that comprises in data and/or ability is untrue.Described 3rd communication unit 93
Receive the result of described authentication platform；The certification literary composition comprised in described the result shows described first view data
When the identity of part sign user and/or ability are true, described second processing unit 92 passes through described second communication unit 91 to institute
Stating terminal and send confirmation response message, to show that the request message authentication that terminal sends passes through, the credit line of user improves
The credit line that authentication document in the first view data sent is corresponding.When described the result shows described first image
When the identity of the authentication document sign user comprised in data and/or ability are untrue, described second processing unit 92 passes through institute
State the second communication unit 91 and send failure response message to described terminal, to show that the request message that terminal sends is not passed through, use
The credit line at family can not promote.
In said process, as a kind of embodiment, described second processing unit 92, it is additionally operable to by described second communication
Unit 91 sends to described terminal before confirming response message, and type parameter based on described first view data determines described
The identity of described user that first view data characterizes and/or the credit line promoted corresponding to ability.
Concrete, described second processing unit 92 is pre-configured with the line of credit promoted that each authentication document is corresponding
Degree, such as configured during the credit line promoted that in Fig. 3 b, the authentication document of terminal demonstration is corresponding the most in the server
And send and show to terminal.Based on this, the certification comprised in determined described first view data by authentication platform
File characterize the identity of user and/or ability true time, described second processing unit 92 is recognized based on each of being pre-configured with
The credit line promoted that card file is corresponding, makes a look up according to the type parameter of described first view data, it is thus achieved that described
The identity of described user that first view data characterizes and/or the credit line promoted corresponding to ability, and pending
Deliver to terminal confirm response message adds described credit line (the i.e. interpolation the in described confirmation response message that can promote
Two data).
In said process, as a kind of embodiment, Figure 12 is the second composition knot of the server of the embodiment of the present invention
Structure schematic diagram；As shown in figure 12, described server also includes memory element 94；
Described second processing unit 92, is additionally operable to the certification comprised in described the result is described first view data
When the identity of the described user that file characterizes and/or ability are true, by the pass of described first view data Yu described user
Connection relation sends and stores to described memory element 94.
Concrete, the described use that the authentication document comprised in described first view data characterizes is determined by authentication platform
When the identity of person and/or ability are true, the association of described first view data and user is closed by described second processing unit 92
System is stored in the memory element 94 of self, or is stored in independent data base；The data of storage can also include promoting
Credit line；So that when the inquiry of follow-up credit line, the credit line that can have been promoted by the data query of storage.
In the embodiment of the present invention, the second processing unit 92 in described server, in actual applications can be by described service
Central processing unit (CPU, Central Processing Unit) in device, digital signal processor (DSP, Digital
Signal Processor), micro-control unit (MCU, Microcontroller Unit) or programmable gate array (FPGA,
Field-Programmable Gate Array) realize；The second communication unit 91 and the 3rd communication list in described server
Unit 93, can pass through communications module in actual applications and (comprise: Base communication external member, operating system, communication module, standardization connect
Mouth and agreement etc.) and dual-mode antenna realization；Memory element 94 in described server, in actual applications can be by described server
In memorizer realize.
In the embodiment of the present invention, terminal and server can be respectively such as Figure 13 and Figure 14 institutes as an example of hardware entities
Show.As shown in figure 13, described terminal include processor 1001, storage medium 1002, display module 1004 and at least one outside
Portion's communication interface 1003；Described processor 1001, storage medium 1002, display module 1004 and external communication interface 1003 are equal
Connected by bus 1005.As shown in figure 14, described server include processor 1101, storage medium 1102 and at least one
External communication interface 1103；Described processor 1101, storage medium 1102 and external communication interface 1103 all pass through bus
1104 connect.
It need to be noted that: above is referred to the description of terminal entry and server entry, it is similar for describing with said method
, describe with the beneficial effect of method, do not repeat.For terminal embodiment of the present invention and server example do not disclose
Ins and outs, refer to the description of the inventive method embodiment.
In several embodiments provided herein, it should be understood that disclosed terminal, server and method, can
To realize by another way.Apparatus embodiments described above is only schematically, such as, and drawing of described unit
Point, it is only a kind of logic function and divides, actual can have other dividing mode, such as when realizing: multiple unit or assembly can
To combine, or it is desirably integrated into another system, or some features can be ignored, or do not perform.It addition, it is shown or discussed
The coupling each other of each ingredient or direct-coupling or communication connection can be by some interfaces, equipment or unit
INDIRECT COUPLING or communication connection, can be electrical, machinery or other form.
The above-mentioned unit illustrated as separating component can be or may not be physically separate, shows as unit
The parts shown can be or may not be physical location, i.e. may be located at a place, it is also possible to be distributed to multiple network list
In unit；Part or all of unit therein can be selected according to the actual needs to realize the purpose of the present embodiment scheme.
It addition, each functional unit in various embodiments of the present invention can be fully integrated in a processing unit, it is possible to
Being that each unit is individually as a unit, it is also possible to two or more unit are integrated in a unit；Above-mentioned
Integrated unit both can realize to use the form of hardware, it would however also be possible to employ hardware adds the form of SFU software functional unit and realizes.
One of ordinary skill in the art will appreciate that: all or part of step realizing said method embodiment can be passed through
The hardware that programmed instruction is relevant completes, and aforesaid program can be stored in a computer read/write memory medium, this program
Upon execution, perform to include the step of said method embodiment；And aforesaid storage medium includes: movable storage device, read-only
Memorizer (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or
The various media that can store program code such as person's CD.
Or, if the above-mentioned integrated unit of the present invention is using the form realization of software function module and as independent product
When selling or use, it is also possible to be stored in a computer read/write memory medium.Based on such understanding, the present invention implements
The part that prior art is contributed by the technical scheme of example the most in other words can embody with the form of software product,
This computer software product is stored in a storage medium, including some instructions with so that a computer equipment is (permissible
It is personal computer, server or the network equipment etc.) perform all or part of of method described in each embodiment of the present invention.
And aforesaid storage medium includes: movable storage device, ROM, RAM, magnetic disc or CD etc. are various can store program code
Medium.
The above, the only detailed description of the invention of the present invention, but protection scope of the present invention is not limited thereto, and any
Those familiar with the art, in the technical scope that the invention discloses, can readily occur in change or replace, should contain
Cover within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with described scope of the claims.
Claims (13)
1. an information processing method, it is characterised in that described method includes:
Output display interface；Described display interface includes that display characterizes the first data of user creditworthiness；
The first operation detected, obtain the first view data based on described first operation, and determine described first view data
Corresponding type parameter；The authentication document comprised in described first view data characterizes identity and/or the ability of described user；
Send request message to server；Described request message is for asking to promote the first data of described user；Described please
Message is asked to include described first view data and the type parameter of correspondence；
Obtaining the confirmation response message of described server, updating described first data based on described confirmation response message is described the
The second data that the described authentication document that comprises in one view data is corresponding, described second data are on described first data basis
On the credit line that can promote.
Method the most according to claim 1, it is characterised in that described in the first operation detected, based on described first operation
Obtain the first view data, including:
The first operation being detected, image acquisition units based on described first operation enabled terminals, by described image acquisition list
Unit gathers the first view data.
Method the most according to claim 1, it is characterised in that described in the first operation detected, based on described first operation
Obtain the first view data, including:
The first operation detected, the first view data based on the described first selected storage of operation.
Method the most according to claim 1, it is characterised in that also include recognizing of dissimilar parameter in described display interface
Card file identification and the credit line promoted of correspondence；
Wherein, the credit line promoted belonging to the different authentication file of same type parameter corresponding is identical or different.
5. an information processing method, it is characterised in that described method includes:
Server obtains the request message that terminal sends, it is thus achieved that the first view data in described request message and described first
The type parameter of view data；
Described first view data is sent the authentication platform extremely matched with described type parameter and verifies by described server,
Obtain the result of described authentication platform；
The identity of the described user that the authentication document that comprises in described the result is described first view data characterizes and/
Or ability true time, send to described terminal and confirm response message, described confirmation response message carries the second data, described the
Two data are the credit line that can promote on the basis of described first data.
Method the most according to claim 5, it is characterised in that described before described terminal sends confirmation response message,
Described method also includes: type parameter based on described first view data, determines that described first view data characterizes described
The identity of user and/or the credit line promoted corresponding to ability.
Method the most according to claim 6, it is characterised in that wrap in described the result is described first view data
When the identity of the described user that the authentication document contained characterizes and/or ability are true, described method also includes: store described first
The credit line of the lifting that view data, described first view data are corresponding and the incidence relation of described user.
8. a terminal, it is characterised in that described terminal includes: output display unit, detector unit, the first processing unit and
One communication unit；Wherein,
Described output display unit, for output display interface；Described display interface includes that display characterizes user creditworthiness
The first data；
Described detector unit, is used for the first operation being detected；
Described first processing unit, obtains the first picture number for described first operation detected based on described detector unit
According to, and determine the type parameter that described first view data is corresponding；The authentication document table comprised in described first view data
Levy identity and/or the ability of described user；
Described first communication unit, is used for sending request message to server；Described request message is used for asking to make described in lifting
First data of user；Described request message includes described first view data and the type parameter of correspondence；It is additionally operable to obtain
Obtain the confirmation response message of described server；
Described first processing unit, being additionally operable to update described first data based on described confirmation response message is described first image
The second data that the described authentication document that comprises in data is corresponding, described second data are for can carry on the basis of described first data
The credit line risen.
Terminal the most according to claim 8, it is characterised in that described terminal also includes image acquisition units；
Described first processing unit, the image of the described first operation enabled terminals for detecting based on described detector unit is adopted
Collection unit, gathers the first view data by described image acquisition units.
Terminal the most according to claim 8, it is characterised in that described terminal also includes memory element, is used for storing image
Data；
Described first processing unit, for the described first selected described memory element of operation detected based on described detector unit
First view data of middle storage.
11. 1 kinds of servers, it is characterised in that described server includes: the second communication unit, the second processing unit and threeway
News unit；Wherein,
Described second communication unit, for obtaining the request message that terminal sends, sends described request message to described second
Processing unit；
Described second processing unit, for obtaining the first view data in described request message and described first view data
Type parameter；
Described 3rd communication unit, puts down for described first view data is sent the certification extremely matched with described type parameter
Platform is verified, and obtains the result of described authentication platform, is sent by described the result to described second process single
Unit；
Described second processing unit, is additionally operable to the authentication document table comprised in described the result is described first view data
When the identity of the described user levied and/or ability are true, send confirmation by described second communication unit to described terminal and ring
Answering message, carry the second data in described confirmation response message, described second data are for can carry on the basis of described first data
The credit line risen.
12. servers according to claim 11, it is characterised in that described second processing unit, are additionally operable to by described
Second communication unit sends to described terminal before confirming response message, type parameter based on described first view data, really
Determine the identity of the described user that described first view data characterizes and/or the credit line promoted that ability is corresponding.
13. servers according to claim 12, it is characterised in that described server also includes memory element；
Described second processing unit, is additionally operable to the authentication document table comprised in described the result is described first view data
When the identity of the described user levied and/or ability are true, by corresponding to described first view data, described first view data
The credit line promoted is stored in described memory element with the incidence relation of described user.
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| WO2019233087A1 (en) * | 2018-06-05 | 2019-12-12 | 北京市商汤科技开发有限公司 | Information processing method and apparatus, electronic device, and storage medium |
| CN109635531A (en) * | 2018-11-26 | 2019-04-16 | 北京金钝宏安科技有限公司 | It is a kind of using identity information certification as the information authentication method of carrier and device |
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Application publication date: 20161207 |