CN107451912A - The processing method and processing device of credit information - Google Patents
The processing method and processing device of credit information Download PDFInfo
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- CN107451912A CN107451912A CN201610377473.2A CN201610377473A CN107451912A CN 107451912 A CN107451912 A CN 107451912A CN 201610377473 A CN201610377473 A CN 201610377473A CN 107451912 A CN107451912 A CN 107451912A
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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
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The embodiment of the invention discloses a kind of processing method and processing device of credit information, including：Collection can influence the change target information of user's reference；Risk analysis is carried out to the change target information, it is determined that influenceing the hazard event of user's reference；User is prompted to handle the hazard event.The technical scheme that the embodiment of the present invention is provided, when the information for influenceing user's reference changes, hazard event can be analyzed in time, then reminds user to be handled in time, therefore user can be helped to safeguard its credit.
Description
Technical field
The present embodiments relate to the processing method and dress of credit information treatment technology, more particularly to a kind of credit information
Put.
Background technology
With the development of macroeconomic, credit card quantity that user holds and the loan transaction quantity handled are increasingly
It is more.
Generally, the contact method (such as phone number) that bank can register according to user in bank provides the user consumption and gone back
Money is prompted.When the contact method of user changes, user needs actively to propose contact method change to bank, so as to bank
Client is contacted according to the new contact method of user.
However, when the bank card quantity of user is more, user easily forgets to handle contact at bank because of careless omission
Mode changes business.Now, the old contact method that bank has abandoned according to user contacts client, will be unable to provide the user
Consumption and prompting of refunding.User easily because do not receive bank consumption and refund prompting or oneself forget to be refunded again and
Cause to exceed the time limit not refund, and then overdue the problems such as not refunding occur, influence the personal reference of user, consequence is serious.
The content of the invention
The present invention provides a kind of processing method and processing device of credit information, to improve the reliability that user safeguards personal reference
And convenience.
In a first aspect, the embodiments of the invention provide a kind of processing method of credit information, including：
Collection can influence the change target information of user's reference；
Risk analysis is carried out to the change target information, it is determined that influenceing the hazard event of user's reference；
User is prompted to handle the hazard event.
Second aspect, the embodiment of the present invention additionally provide a kind of processing unit of credit information, including：
Information acquisition unit, the change target information of user's reference can be influenceed for gathering；
Risk analysis unit, for carrying out risk analysis to the change target information, it is determined that influenceing user's reference
Hazard event；
Hazard event Tip element, for prompting user to handle the hazard event.
For the embodiment of the present invention when the information that can influence user's reference changes, collection can influence user's reference
Target information is changed, is then analyzed according to the situation of change to changing target information, it is determined that influenceing the danger of user's reference
Event, finally prompt user to handle hazard event, protect user's reference.The information that prior art can not change to user is divided
Analyse and prompt user's change more likely caused hazard event.The technical scheme that the embodiment of the present invention is provided, as influence user
When the information of reference changes, hazard event can be analyzed in time, then remind user to be handled in time, therefore can
User is helped to safeguard its credit.
Brief description of the drawings
Fig. 1 is a kind of flow chart of the processing method of credit information in the embodiment of the present invention one；
Fig. 2 is a kind of flow chart of the processing method of credit information in the embodiment of the present invention two；
Fig. 3 is a kind of flow chart of the processing method of credit information in the embodiment of the present invention three；
Fig. 4 is the flow chart of the processing method of another credit information in the embodiment of the present invention three；
Fig. 5 is a kind of structural representation of the processing unit of credit information in the embodiment of the present invention four.
Embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining the present invention, rather than limitation of the invention.It also should be noted that in order to just
Part related to the present invention rather than entire infrastructure are illustrate only in description, accompanying drawing.
Embodiment one
Fig. 1 is a kind of flow chart of the processing method for credit information that the embodiment of the present invention one provides, and methods described is used for
Personal reference protection, can perform this method, wherein electronic equipment by the electronic equipment or network side server that user uses
Can be that smart mobile phone, tablet personal computer, notebook computer or personal computer (Personal Computer, PC) include：
S110, collection can influence the change target information of user's reference.
The change target information that user's reference can be influenceed is the personal credit information of change and the loan policy letter of change
Breath.
Wherein, personal credit information is for evaluating the relevant every terms of information of personal current credit worthiness, mainly including three
Class：One kind is identity identification information, including name, ID card No., home address, work unit, telephone number, E-mail address
Deng；Two classes are credit informations, including loan origination bank, loan value, the length of maturity, mode of repayment, actual record etc. of refunding；Three
Class is credit card information, including issuing bank, the accrediting amount, record etc. of refunding.It is personal with the gradual perfection of database establishment
Credit information may also include：The information of the public utilities expense such as personal payment telephone, water, electricity, combustion gas, and law court is civil sentences
Certainly, the public information such as tax arrear, to reflect the credit standing of a people comprehensively.The loan that loan policy information bank or government newly put into effect
Money policy, such as interest rate adjustment policy, the overdue number that can be provided a loan.
Exemplary, because bank and other financial mechanism is generally contacted by the mobile phone and user of user, therefore hand can be passed through
Message or short message content the collection personal credit information of machine.What loan policy information can be issued from bank or government website
Obtained in newest policy bulletin.
S120, risk analysis is carried out to change target information, it is determined that influenceing the hazard event of user's reference.
Hazard event is determined according to the content of change target information.Optionally, determined according to the content of change target information
Whether influence contacts user.If influenceed, the generation hazard event related to user can not be contacted, endangered as contact method changes
Dangerous event etc..If not influenceing to contact user, judge whether to influence amount to pay and refund the date.If influence amount to pay with
And refund the date, then the hazard event that generation refund is prompted, such as refund hazard event.
Exemplary, when the telephone number of the bank card binding of user changes, if user also holds other N
Bank card, whether the telephone number for judging other N bank card bindings is new telephone number after change.If other N
The contact method of bank card binding is not the letter telephone number after user's change, then generates contact method change hazard event.
S130, prompting user handle hazard event.
It is first determined whether beyond the prompting period of hazard event, then by following at least one user can be notified to exist
The hazard event that S120 is determined：Advise By Wire, SMS notification, email notification, the notice in the form of pushed information.Dangerous thing
The prompting period of part can be date of refunding, the effective date etc. of policy of user.
The present embodiment can be when the information that can influence user's reference be changed, and user's reference can be influenceed by gathering
Target information is changed, is then analyzed according to the situation of change to changing target information, it is determined that influenceing the danger of user's reference
Event, finally prompt user to handle hazard event, protect user's reference.The information that prior art can not change to user is divided
Analyse and prompt user's change more likely caused hazard event.The technical scheme that the present embodiment is provided, when influence user's reference
Information when changing, hazard event can be analyzed in time, then remind user to be handled in time, therefore can help
User safeguards its credit.In the usage scenario shown in background technology, the present embodiment when the contact method of user changes,
The contact method of change is change target information, and hazard event is analyzed when contact method changes and is changed for contact method
Hazard event, user is then reminded to change the contact method of other bank cards in time.User is changing the contact of remaining bank card
After mode, the consumption of bank's transmission can be received in time and is refunded and is prompted, reaches the effect of protection user's reference.
Embodiment two
Fig. 2 is the flow chart of the processing method for the credit information that the embodiment of the present invention two provides, in the base of above-described embodiment
On plinth, further it is optimized for step S110, other steps are identical.Specifically, collection can influence user's sign
The operation of the change target information of letter specifically includes：
S101, from data source obtain preprocessed data.
Data source can be the data announced in note data, telephonograph data or network.
Specifically, the short message received according to the telephone relation content of user, the user, global positioning system
The information and institute that the location information for the user that (Global Positioning System, GPS) is provided, network are announced
State user input information in it is at least one, determine the preprocessed data of text data format.
Above-mentioned data source can be obtained without third party's license by electronic equipment, therefore need not deliver license fee
With, reduce change target information monitoring cost；Permit operation need not be performed simultaneously, improves the acquisition of change target information
Efficiency.Except the information announced by electronic equipment by telephone relation content, short message, global positioning system and network from
It is dynamic to obtain preprocessed data, can also be by manually inputting information, and then availability is provided, allow users to know electronic equipment
Other preprocessed data is modified, while can be manually entered preprocessed data when no network by user, carry
High reliability.
1) wherein, according to the telephone relation content of user, the preprocessed data of text data format is determined, can be embodied as：
If the Inbound Calls of the user or the opposite end telephone number of outbound calling are the phone number of default credit institution
Code, then record telephonograph data；The telephonograph data are converted into the text data with preset data form.
Default credit institution provides a user including default bank number and property management company etc. and concerns user's reference
Financial service company.Default bank number includes the telephone number of business bank, as Bank of China, the Industrial and Commercial Bank of China,
The Agricultural Bank of China, China Construction Bank, and for example China Merchants Bank, Zhe Shang banks, Bohai Bank etc..Default bank number also includes
The telephone number of foreign bank, such as Hong Kong and Shanghai Banking Corporation, Standard Chartered Bank, Bank of East Asia Ltd., the Citibank.
When mobile phone connecting incoming call, the opposite end telephone number of incoming call can be obtained by incoming call display function.Or work as user
When being searched by address list or inputting telephone number by digital button, electric number (opposite end telephone number) is removed in acquisition.Judgement pair
Whether end telephone number is the telephone number for presetting credit institution；Recorded if it is, recording phone by the sound-recording function of phone
Sound data.Then, the recording data of recording is converted into word using speech recognition technology.
It can be recorded by smart mobile phone, then the speech data of recording is sent to server by smart mobile phone by network
Middle carry out speech recognition.Smart mobile phone can also locally carry out speech recognition after recording data is recorded out.
By the way that voice call content is recorded and changed, the change target information being related in phone can be examined
Survey, realize that obtaining change target information automatically according to message is detected, and improves the real-time of change target information.
2) short message wherein, received according to user, determines the preprocessed data of text data format, can be embodied as：
If the opposite end telephone number of the reception short message of the user is the telephone number of default credit institution, obtain short
Believe content, the short message content is converted into the text data with preset data form.
When mobile phone receives short message, the number (also known as opposite end telephone number) of the sender of short message reading；Or when with
When family is searched by address list or inputs telephone number by digital button, telephone number (the opposite end phone number of recipient is obtained
Code).
3) location information of the user wherein, is obtained by global positioning system every preset duration.
Preset duration is more than or equal to 1 hour, can obtain daily it is one or many, to obtain the daily movable model of user
Enclose, and then obtain user and reside address.For example, 11 points of every night knows 6:00 AM, a positional information was obtained every 1 hour,
And then determine user's inhabitation address.User can be reminded in time more when user changes dwelling by the location information for obtaining user
The address of bank's registration is changed into, the statement for avoiding bank from posting can not be sent to user.
4) information wherein, announced according to network, determines the preprocessed data of text data format, can be embodied as：
The policy information of the crawl text data format related to reference in the information announced from network.Such as credit card year
Take adjustment, installment reimbursement service charge adjusts, the information such as the overdue record of how many time can not just provide a loan；
The policy information related to personal reference can be searched from each website by web crawlers technology.Specific settable weight
The loan special column of column, such as public accumalation fund for housing construction official website, certain bank in the website and website of point concern.Climbed by network
During worm technical limit spacing policy information, it can be retrieved according to the keyword related to personal credit information pre-set.Pass through
The policy information of renewal is obtained from network can get newest financial policy, further, according to the financial policy energy
Enough make the programs of suitable user.
For example, pointed out in bank A newest loan policy by permission it is overdue do not refund quantity from former 0 lifting to
5 times.If the current overdue number of not refunding of user after the policy information is got, prompts user to pass through for 2 times
Bank A is provided a loan.
5) it is wherein, at least one in the information of user's input, the preprocessed data of text data format is determined, can
It is embodied as：
Receive the personal credit information of the text data format of user's input.
The inputting interface that can be provided by the application program (Application, APP) on smart mobile phone or default network address,
Receive the text data of user's input.In the interface, there is provided the title bar and input field of individual subscriber credit information, user Ke Gen
Word is inputted in input field according to the prompting of title bar.Further, the speech data of user's input is received, passes through speech recognition
The speech data is converted into text data format.
S102, according to the keyword stored in presetting database, the letter with Keywords matching is searched from preprocessed data
With information reference data, presetting database, which is used to store, can influence the change target information of user's reference and for locating in advance
The keyword retrieved in reason data.
Presetting database, which is used to store, can influence the change target information of user's reference and in preprocessed data
The middle keyword retrieved.Above two information can be respectively stored in two subdata bases in database, can also be stored
In different pieces of information table in same database.The content that the list item of presetting database is referred to personal credit information is carried out
Set, such as one list item is set per the subdivided information in a kind of in the three class credit informations included to personal credit information.
, can be in presetting database in order to find the information related to change target information from preprocessed data
Storage change keyword, such as " change ", " new ", " modification ", " change " etc..In order to which which information what is clearly specifically changed is,
The identification key for the change target information that can influence user's reference is also stored with presetting database, as " phone ", "
Location ", " mailbox ", " repayment amount ", " refunding the date ", " this consumption ", " commercial loan interest rate ", " common reserve fund ", " deposit profit
Rate " etc..
First look for changing keyword from preprocessed data to determine that preprocessed data is related to change, then according to can
The identification key for influenceing the change target information of user's reference searches corresponding credit information reference number from preprocessed data
According to.
In order to facilitate the credit information reference data that compared with the data described in presetting database, will can be found
Enter edlin according to preset format.Generally, using A-B form, wherein A is the change target information that can influence user's reference
Identification key, B is specific changed content.For example, new phone number -13588888888, represent that subscriber phone number becomes
More 13588888888.Further, when multiple change target informations that can influence user's reference of being guaranteed replacement in preprocessed data
When, multiple change target informations can be arranged in order.As Minsheng bank--1000 yuan of billing amount-repayment date 2016-02-29,
Minsheng bank-new address-Chaoyang District, Beijing City San Yuan Flyover etc..
, will if S103, credit information reference data are different from initial data corresponding to keyword in presetting database
The credit information reference data found, as change target information, and update and arrive presetting database.
After credit information reference data is obtained, according to the identification key that credit information reference data includes from present count
According to finding corresponding contents in storehouse, and compare the content described in credit information reference data and the corresponding contents that find whether one
Cause.If it is inconsistent, the credit information reference data that will be found, as change target information, and updates to described
Presetting database.
Such as：Credit information reference data is new phone number -13588888888, then is searched from presetting database each
Contents in table corresponding to the telephone number of bar record.Assuming that the telephone number list item content for finding record A is
13599999999, because contents in table is inconsistent with new phone number, then it can determine that record A telephone number needs to carry out more
Change.
In another example：User receives a short message, and the short message is the Credit Statement of Minsheng bank's hair.Parsed and given birth to by short message
Into Minsheng bank--1000 yuan of billing amount-repayment date 2016-02-29.If refund is not received also in repayment date the previous day
Short breath, then notify user to refund in time.
The present embodiment can be preserved by presetting database on the change target information that can influence user's reference, be led to
Cross the mode compared to be updated the data in presetting database, improve the reliability of system.
Embodiment three
Fig. 3 is the flow chart of the processing method for the credit information that the embodiment of the present invention three provides, as to above-described embodiment
Further explanation, the above method also includes：
S140, generated according to the change target information that can influence user's reference stored in presetting database and export letter
With report.
Credit report can be generated according to some cycles according to user's request, the cycle can be 1 month.
Optionally, the personal credit information of user is searched for from presetting database, then believes the personal credit searched
Breath is exported.For example, exported with forms mode.
Optionally, according to the policy information obtained from network, searched from presetting database related to the policy information
Data, by compare determine user whether meet the policy information.The related data of the policy information can be that user is overdue
Number, user are for example：The overdue number of not refunding allowed in the overdue number of the reality of user and bank loan policy is supplied to
User, and judge whether the overdue number of the reality of user is less than to the overdue number of not refunding allowed in bank loan policy, such as
Fruit is less than the overdue number of not refunding allowed in bank loan policy, then it is assumed that the bank loan policy is the policy that user meets
Information.
Determine that user will (if overdue number increases again) loan project that can not meet according to the overdue number of user
Deng.
S150, bank card managerial integration information generated according to the credit report of generation, and be supplied to user.
At least one suggestion dimension is prestored, including：Bank card quantity, overdue number, the loan time limit, credit line
Deng.Corresponding each suggestion dimension sets a recommended value, according to the actual value of user and the numerical values recited advisory information of the recommended value.
For example, the suggestion that user increases or decreases bank card quantity is provided according to the frequency of use of bank card.In another example root
Provide whether user needs to be associated the suggestion of refund according to whether user's refund operation closes on the factors such as time limit.
Optionally, S140 and S150 are performed after S130.
The present embodiment can provide the user credit report according to change target information, further be provided according to credit report
Financing is suggested, protects personal reference and reinforcement user's financing ability to provide help for user.
Further, S130, the prompting user handle the hazard event, including：
S131, the danger coefficient according to the content of hazard event estimation hazard event.
The danger coefficient of hazard event is determined according to the reference data of personal reference.The content of hazard event is personal with evaluation
The relation of reference is closer, and its danger coefficient is higher.For example, the danger coefficient of the overdue super number hazard event of user is higher than contact
Mode changes the danger coefficient of hazard event.Optionally, at least two default danger coefficients are preset, it is such as high and low, in upper example
The danger coefficient of the overdue super number hazard event of user is height, and the danger coefficient of contact method change hazard event is low.
S132, prompting mode determined according to the danger coefficient of determination.
Prompting mode is ranked up according to the real-time of prompting mode and reliability.Prompted corresponding to danger coefficient is higher
The real-time and reliability of mode are stronger.The prompting mode of determination can be at least one.Danger is preset when being preset with least two
During dangerous coefficient, each danger coefficient can correspond to one or more prompting modes.For example, prompting mode according to validity by by force to
Weak ranking results are：Advise By Wire (machine automatic speech or artificial speech), SMS notification, email notification, push
Information notifies.When overdue super number hazard event and contact method change hazard event be present, pass through Advise By Wire plus short message
The mode of notice notifies user overdue super number hazard event to be present；Notified by way of SMS notification and email notification
Contact method change hazard event be present in user.The danger coefficient of hazard event can be configured according to actual use demand,
A kind of citing is only provided herein, not as the restriction of danger coefficient and prompting mode to specific hazard event.
S133, user's processing hazard event is prompted according to the prompting mode of determination.
After determining prompting mode, corresponding program is called to be reminded.For example, after determining to use telephone prompts, to visitor
Take information and prompting main points that personnel provide user, so as to customer service can by hazard event and its consequence it is artificial be explained to use
Family.In another example when it is determined that prompting user using short message, mail or push mode, suggestion content can be generated according to hazard event,
Then generation prompt message is sent to user.Prompt message can be short message, e-mail messages or pushed information.
The technical scheme that the present embodiment provides can grade to hazard event, obtain danger coefficient, then according to not
Same danger coefficient determines different prompting mode prompting users.The prompting user to shoot the arrow at the target is realized, efficiency is prompted improving
While protection user use space.
Further, presetting database is synchronously stored in cloud server, to carry out data recovery.
Above-described embodiment is further described below by three usage scenarios, the only conduct of following three usage scenarios
Citing is realized to four kinds of the above method, is not construed as the restriction to the above method.
Scene one：
User holds N bank cards, and now, user makes a phone call to carry out phone to the bank of the ownership of wherein one bank card
Change.
S110, collection can influence the change target information of user's reference, including：
After user keys in bank's telephone number in telephony feature, mobile phone gets the number, and by the number with presetting
Financial institution's telephone number compares, and draws the telephone number that the number is bank A.Then, after closing of the circuit, mobile phone passes through recording
Function is respectively recorded dialog context, obtains recording data.Then recording data is converted into text formatting, finally from text
Determine that change target information is new phone number -13500000000 in the recording number of form.
S120, risk analysis is carried out to change target information, it is determined that the hazard event of user's reference is influenceed, including：
If change target information changes for user contact details corresponding to the Bank One Corp. card of user, it is determined that deposits
Hazard event is changed in contact method.
Judge whether the contact method of user changes according to change target information, from preset data if changing
It is whether consistent with the contact method after change that the contact method of other bank cards (secondary bank card) of user is searched in storehouse, if
Inconsistent, there is contact method change hazard event in determination.
Accordingly, S130, prompting user handle hazard event, including：
Ask the user whether to modify to user contact details corresponding to the secondary bank card of user.Secondary bank card is
The bank card gone out in bank card used in user beyond Bank One Corp. card.
Made a phone call by contact staff to user, and inform the contact method of its at least one secondary bank card of user to become
More, ask the user whether to change.It after user obtains the prompting, can voluntarily be changed, and then avoid user from changing the because forgeing
The contact method of two bank cards, the problem of causing the affiliated bank of secondary bank card can not relate to user.
Scene two
In optional scenario A, user newly generates once overdue record of not refunding, and bank notifies user by short message mode
Overdue event of not refunding.In optional scenario B, user does not produce new overdue record of not refunding, but bank borrows for some
The overdue refund number that money product allows is reduced.
S110, collection can influence the change target information of user's reference, including：
For optional scenario A, mobile phone obtains the opposite-terminal number of short message when receiving short message, and by opposite-terminal number and in advance
If the bank number stored in database is compared, the short message that bank B is sent to user is obtained.In mobile phone short message reading
Hold, the information for determining to include in short message by Key comparison, which is that China Merchants Bank is-overdue not refund-, to be increased once.
For optional scenario B, bank finance product is got from network handles condition, when the condition of handling changes
When, update corresponding data in presetting database.Wherein, bank finance product include credit card purchase, credit card by stages, consumption
Loan, loan for purchasing car, loans for supporting students, housing loan are by stages etc..
S120, risk analysis is carried out to change target information, it is determined that the hazard event of user's reference is influenceed, including：
When the overdue number of not refunding of user increases or bank loan policy changes, sentenced according to bank loan policy
Whether the overdue number of not refunding of disconnected user reaches the alarm times value of the overdue number of not refunding allowed in bank loan policy；
If the overdue number of not refunding of user reaches the alarm of the overdue number of not refunding allowed in bank loan policy
Secondary numerical value, it is determined that overdue super number hazard event be present.
Wherein, alarm times value is that overdue the number-N, N of not refunding allowed in bank loan policy is more than or equal to 1
Positive integer, preferably 1 or 2.In optional scenario A and optional scenario B, the overdue number of not refunding of user is caused to be likely to be breached silver
The alarm times value of the overdue number of not refunding allowed in row loan policy.Therefore by comparing described in the judgement of bank loan policy
The alarm times the value whether overdue number of not refunding of user reaches the overdue number of not refunding allowed in bank loan policy is true
Surely it whether there is overdue super number hazard event.
Accordingly, S130, prompting user handle hazard event, including：
User is prompted to handle overdue super number hazard event by short message mode.
According to overdue super number hazard event generation prompt message, such as " distinguished user, your overdue number is excessive, will
Influence you and handle certain loan transaction in certain bank " etc..Further, also user can be notified by modes such as phones.
Scene three
After user completes one-time-consumption, usual bank can notify silver of the user by card number for x by way of short message
Row card completes the transaction that a stroke count volume is x.
S110, collection can influence the change target information of user's reference, including：
The bank card x new amount of consumption is determined according to short message content.
S120, risk analysis is carried out to change target information, it is determined that the hazard event of user's reference is influenceed, including：
When producing new single reimbursement business, new accumulation is determined according to the accumulation amount to pay stored in presetting database
Amount to pay；
If current time reaches the default reminder time before presetting the date of refunding and user does not refund, it is determined that exists
Refund hazard event.
The bank card x recorded in the amount of consumption and presetting database the accumulation amount of consumption is determined into refund total value, and will
The refund total value is updated into presetting database.Because the refund total value of user changes, therefore dangerous thing of refunding can be generated
Part is to prompt user that amount to pay is changed, so that user refunds by new amount to pay.
Accordingly, S130, prompting user handle hazard event, including：
User is prompted to be refunded before the default date of refunding according to new accumulation amount to pay by Advise By Wire mode
Operation.
Exemplary, Fig. 4 is a kind of specific processing side of the processing method for credit information that the embodiment of the present invention three provides
Formula, it is specific as follows：
The first step, can influence the collection of the change target information of user's reference.5 kinds of modes are particularly may be divided into, point
It is not：(1) information such as credit card number, repayment date, address, telephone number are carried out typing by personal typing, user.(2) phone
Speech analysis, user and bank's telephonic communication information are obtained, message is therefrom obtained, such as address change, handles by stages.
(3) short message is analyzed, and obtains the short message for being linked up with bank, and obtaining Credit Statement, housing loan repayment amount etc. according to short message becomes
More target information.(4) big data gathers, and realizes that big data gathers by being acquired to the information issued in network, obtains silver
Administrative plan, such as bank rate adjustment policy.(5) position positions, and is lived at present according to the GPS location acquisition of information user of user
Address.
Second step, information is saved in cloud server, to improve the reliability of data.
3rd step, the information got is handled, obtain hazard event, and form corresponding reminder time.Such as：Formed
Credit card repayment is reminded, forms loan prompting, formation personal information change is reminded, forms bank's new policy prompting, the formation people
Bank reference system information change prompting etc..
4th step, judges whether current time exceedes the critical time of above-mentioned reminder time and do not handle.If it is,
Perform the 5th step；Otherwise, if it is not, then performing the 6th step.
5th step, alarm is sent according to reminder events (such as phone warning or short message alert).
6th step, personal credit information table (also known as credit form) is monthly formed, it is related to credit that the form is used for display
All information (personal credit information for including user).
Example IV
Fig. 5 is the structural representation of the processing unit for the credit information that the embodiment of the present invention four provides, and said apparatus is located at
In electronic equipment, the electronic equipment can be smart mobile phone, tablet personal computer, notebook computer or the individual calculus that user uses
Machine, or server, the device include：
Information acquisition unit 11, the change target information of user's reference can be influenceed for gathering；
Risk analysis unit 12, for carrying out risk analysis to the change target information, it is determined that influenceing user's sign
The hazard event of letter；
Hazard event Tip element 13, for prompting user to handle the hazard event.
Further, described information collecting unit 11, including：
Preprocessed data obtains subelement, for obtaining preprocessed data from data source；
Subelement is searched, for according to the keyword stored in presetting database, it is single to obtain son from the preprocessed data
The credit information reference data with the Keywords matching, the presetting database are searched in the preprocessed data that member obtains
For storing the change target information that can influence user's reference and described being used to carry out in the preprocessed data
The keyword of inquiry；
Target modification information determination subelement, if the credit information reference found for the lookup subelement
Data are different from initial data corresponding to keyword described in the presetting database, then join the credit information found
Data are examined, as change target information, and updates and arrives the presetting database.Accordingly, presetting database is additionally operable to storage more
New change target information.
Further, the preprocessed data obtains subelement and is specifically used for：
According to providing the telephone relation content of user, the short message of user reception, global positioning system
It is at least one in information and the information of user input that the location information of user, network are announced, determine text data
The preprocessed data of form.
Further, it is at least one of following specifically for performing to obtain subelement for the preprocessed data：
If the Inbound Calls of the user or the opposite end telephone number of outbound calling are the phone number of default credit institution
Code, then telephonograph data are recorded, the telephonograph data are converted into the text data with preset data form；
If the opposite end telephone number of the reception short message of the user is the telephone number of default credit institution, obtain short
Believe content, the short message content is converted into the text data with preset data form；
The location information of the user is obtained by global positioning system every preset duration；
The policy information of the crawl text data format related to reference in the information announced from network；
Receive the personal credit information of the text data format of user's input.
Further, in addition to：
Credit report generation unit 14, for according to the change that can influence user's reference stored in the presetting database
The generation of more target information and export credit report；
Managerial integration Tip element 15, for the credit report life generated according to the credit report generation unit 14
Into bank card managerial integration information, and it is supplied to the user.
Further, the hazard event Tip element 13 is specifically used for：
The content of the hazard event determined according to the risk analysis unit 12 estimates the danger of the hazard event
Coefficient；
Prompting mode is determined according to the danger coefficient of determination；
User is prompted to handle the hazard event according to the prompting mode of determination.
Further, the risk analysis unit 12 is specifically used for：If described information collecting unit 11 gathers described
Change target information changes for user contact details corresponding to the Bank One Corp. card of the user, it is determined that correspondent party be present
Formula changes hazard event；
Accordingly, the hazard event Tip element 13 is specifically used for：Ask the user whether the second silver medal to the user
User contact details corresponding to row card are modified.
Further, the risk analysis unit 12 is specifically used for：When the user it is overdue do not refund number increase or
When bank loan policy changes, judge whether the overdue number of not refunding of the user reaches silver according to bank loan policy
The alarm times value of the overdue number of not refunding allowed in row loan policy；
If the overdue number of not refunding of the user reaches the overdue number of not refunding allowed in bank loan policy
Alarm times value, it is determined that overdue super number hazard event be present；
Accordingly, the hazard event Tip element 13 is specifically used for：
User is prompted to handle the overdue super number hazard event by short message mode.
Further, the risk analysis unit 12 is specifically used for：
When producing new single reimbursement business, new accumulation is determined according to the accumulation amount to pay stored in presetting database
Amount to pay；
If current time reaches the default reminder time before presetting the date of refunding and the user does not refund, it is determined that
In the presence of refund hazard event；
Accordingly, the hazard event Tip element 13 is specifically used for：
Prompt user before the default refund date according to the new accumulation amount to pay by Advise By Wire mode
Carry out refund operation.
Said apparatus can perform the method that the embodiment of the present invention one is provided to embodiment three, possesses and performs above method phase
The functional module and beneficial effect answered.Not ins and outs of detailed description in the present embodiment, reference can be made to the embodiment of the present invention one
The method provided to embodiment three.
Pay attention to, above are only presently preferred embodiments of the present invention and institute's application technology principle.It will be appreciated by those skilled in the art that
The invention is not restricted to specific embodiment described here, can carry out for a person skilled in the art various obvious changes,
Readjust and substitute without departing from protection scope of the present invention.Therefore, although being carried out by above example to the present invention
It is described in further detail, but the present invention is not limited only to above example, without departing from the inventive concept, also
Other more equivalent embodiments can be included, and the scope of the present invention is determined by scope of the appended claims.
Claims (19)
- A kind of 1. processing method of credit information, it is characterised in that including：Collection can influence the change target information of user's reference；Risk analysis is carried out to the change target information, it is determined that influenceing the hazard event of user's reference；User is prompted to handle the hazard event.
- 2. the processing method of credit information according to claim 1, it is characterised in that the collection can influence user's sign The change target information of letter, including：Preprocessed data is obtained from data source；According to the keyword stored in presetting database, the credit with the Keywords matching is searched from the preprocessed data Information reference data, the presetting database are used to storing the change target information that can influence user's reference and described For the keyword inquired about in the preprocessed data；If the credit information reference data is different from initial data corresponding to keyword described in the presetting database, The credit information reference data that will be found, as change target information, and update and arrive the presetting database.
- 3. the processing method of credit information according to claim 2, it is characterised in that described obtained from data source pre-processes Data include：The user provided according to the telephone relation content of user, the short message of user reception, global positioning system Location information, network announce information and the user input information in it is at least one, determine text data format Preprocessed data.
- 4. the processing method of credit information according to claim 3, it is characterised in that the telephone relation according to user The letter that the location information for the user that content, the short message of user reception, global positioning system provide, network are announced It is at least one in breath and the information of user input, determine the preprocessed data of text data format, including it is following extremely One item missing：If the Inbound Calls of the user or the opposite end telephone number of outbound calling are the telephone number of default credit institution, Telephonograph data are recorded, the telephonograph data are converted into the text data with preset data form；If the opposite end telephone number of the reception short message of the user is the telephone number of default credit institution, obtain in short message Hold, the short message content is converted into the text data with preset data form；The location information of the user is obtained by global positioning system every preset duration；The policy information of the crawl text data format related to reference in the information announced from network；Receive the personal credit information of the text data format of user's input.
- 5. the processing method of credit information according to claim 2, it is characterised in that also include：According to the change target information that can the influence user's reference generation stored in the presetting database and export credit report Accuse；Bank card managerial integration information is generated according to the credit report of generation, and is supplied to the user.
- 6. the processing method of credit information according to claim 1, it is characterised in that the prompting user handles the danger Dangerous event, including：The danger coefficient of the hazard event is estimated according to the content of the hazard event；Prompting mode is determined according to the danger coefficient of determination；User is prompted to handle the hazard event according to the prompting mode of determination.
- 7. the processing method of credit information according to claim 1, it is characterised in that described to the change target information Risk analysis is carried out, it is determined that the hazard event of user's reference is influenceed, including：If the change target information changes for user contact details corresponding to the Bank One Corp. card of the user, really Surely contact method change hazard event be present；Accordingly, the prompting user handles the hazard event, including：Ask the user whether to modify to user contact details corresponding to the secondary bank card of the user.
- 8. the processing method of credit information according to claim 1, it is characterised in that described to the change target information Risk analysis is carried out, it is determined that the hazard event of user's reference is influenceed, including：When the overdue number of not refunding of the user increases or bank loan policy changes, sentenced according to bank loan policy Whether the overdue number of not refunding of the disconnected user reaches the alarm time of the overdue number of not refunding allowed in bank loan policy Numerical value；If the overdue number of not refunding of the user reaches the alarm of the overdue number of not refunding allowed in bank loan policy Secondary numerical value, it is determined that overdue super number hazard event be present；Accordingly, the prompting user handles the hazard event, including：User is prompted to handle the overdue super number hazard event by short message mode.
- 9. the processing method of credit information according to claim 1, it is characterised in that described to the change target information Risk analysis is carried out, it is determined that the hazard event of user's reference is influenceed, including：When producing new single reimbursement business, determine that new accumulation is refunded according to the accumulation amount to pay stored in presetting database Volume；If current time reaches the default reminder time before presetting the date of refunding and the user does not refund, it is determined that exists Refund hazard event；Accordingly, the prompting user handles the hazard event, including：User is prompted to be carried out before the default date of refunding according to the new accumulation amount to pay by Advise By Wire mode Refund and operate.
- 10. the processing method of the credit information according to any one of claim 1-9, it is characterised in that it is described being capable of shadow The change target information for ringing user's reference is personal credit information and loan policy information.
- A kind of 11. processing unit of credit information, it is characterised in that including：Information acquisition unit, the change target information of user's reference can be influenceed for gathering；Risk analysis unit, for carrying out risk analysis to the change target information, it is determined that influenceing the danger of user's reference Dangerous event；Hazard event Tip element, for prompting user to handle the hazard event.
- 12. the processing unit of credit information according to claim 11, it is characterised in that described information collecting unit, bag Include：Preprocessed data obtains subelement, for obtaining preprocessed data from data source；Subelement is searched, for according to the keyword stored in presetting database, obtaining subelement from the preprocessed data and obtaining The credit information reference data with the Keywords matching is searched in the preprocessed data taken, the presetting database is used for Can be influenceed described in storage user's reference change target information and it is described be used for inquired about in the preprocessed data Keyword；Target modification information determination subelement, if the credit information reference data found for the lookup subelement From keyword described in the presetting database corresponding to initial data it is different, then the credit information reference number that will be found According to as change target information, and the presetting database is arrived in renewal.
- 13. the processing unit of credit information according to claim 12, it is characterised in that the preprocessed data obtains son Unit is specifically used for：The user provided according to the telephone relation content of user, the short message of user reception, global positioning system Location information, network announce information and the user input information in it is at least one, determine text data format Preprocessed data.
- 14. the processing unit of credit information according to claim 13, it is characterised in that the preprocessed data obtains son Unit is at least one of following specifically for performing：If the Inbound Calls of the user or the opposite end telephone number of outbound calling are the telephone number of default credit institution, Telephonograph data are recorded, the telephonograph data are converted into the text data with preset data form；If the opposite end telephone number of the reception short message of the user is the telephone number of default credit institution, obtain in short message Hold, the short message content is converted into the text data with preset data form；The location information of the user is obtained by global positioning system every preset duration；The policy information of the crawl text data format related to reference in the information announced from network；Receive the personal credit information of the text data format of user's input.
- 15. the processing unit of credit information according to claim 12, it is characterised in that also include：Credit report generation unit, for according to the change target that can influence user's reference stored in the presetting database Information generation and export credit report；Managerial integration Tip element, the credit report for being generated according to the credit report generation unit generate bank card Managerial integration information, and it is supplied to the user.
- 16. the processing unit of credit information according to claim 11, it is characterised in that the hazard event Tip element It is specifically used for：The content of the hazard event determined according to the risk analysis unit estimates the danger coefficient of the hazard event；Prompting mode is determined according to the danger coefficient of determination；User is prompted to handle the hazard event according to the prompting mode of determination.
- 17. the processing unit of credit information according to claim 11, it is characterised in that the risk analysis unit is specific For：If the change target information of described information collecting unit collection is use corresponding to the Bank One Corp. card of the user Family contact method changes, it is determined that contact method change hazard event be present；Accordingly, the hazard event Tip element is specifically used for：Ask the user whether the secondary bank card pair to the user The user contact details answered are modified.
- 18. the processing unit of credit information according to claim 11, it is characterised in that the risk analysis unit is specific For：When the overdue number of not refunding of the user increases or bank loan policy changes, according to bank loan policy Judge whether the overdue number of not refunding of the user reaches the alarm of the overdue number of not refunding allowed in bank loan policy Secondary numerical value；If the overdue number of not refunding of the user reaches the alarm of the overdue number of not refunding allowed in bank loan policy Secondary numerical value, it is determined that overdue super number hazard event be present；Accordingly, the hazard event Tip element is specifically used for：User is prompted to handle the overdue super number hazard event by short message mode.
- 19. the processing unit of credit information according to claim 11, it is characterised in that the risk analysis unit is specific For：When producing new single reimbursement business, determine that new accumulation is refunded according to the accumulation amount to pay stored in presetting database Volume；If current time reaches the default reminder time before presetting the date of refunding and the user does not refund, it is determined that exists Refund hazard event；Accordingly, the hazard event Tip element is specifically used for：User is prompted to be carried out before the default date of refunding according to the new accumulation amount to pay by Advise By Wire mode Refund and operate.
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| CN112686337B (en) * | 2021-02-08 | 2021-06-08 | 南京审计大学 | Cross-platform credit information fusion method based on depth-first algorithm |
| CN113781205A (en) * | 2021-09-10 | 2021-12-10 | 平安普惠企业管理有限公司 | Intelligent follow-up prompting method, device, equipment and medium for item progress |
| CN113781205B (en) * | 2021-09-10 | 2023-08-15 | 平安普惠企业管理有限公司 | Intelligent follow-up prompting method, device, equipment and medium for item progress |
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