CN108985611A

CN108985611A - A kind of personal credit virtue assessment system and implementation method

Info

Publication number: CN108985611A
Application number: CN201810739848.4A
Authority: CN
Inventors: 邹常国
Original assignee: Changsha Million Network Technology Co Ltd
Current assignee: Changsha Million Network Technology Co Ltd
Priority date: 2018-07-06
Filing date: 2018-07-06
Publication date: 2018-12-11

Abstract

A kind of personal credit virtue assessment system and implementation method, including social application server, social relationships acquisition server and social software client, social relationships acquisition server is equipped with sweepstake module, it is associated with authentication module, personal credit virtue grading module and personal credit virtue warning module, sweepstake module, it is associated with authentication module, personal credit virtue grading module and personal credit virtue warning module are bi-directionally connected with real-name authentication module, sweepstake module is bi-directionally connected with authentication module is associated with, sweepstake module, it is associated with authentication module, personal credit virtue grading module and personal credit virtue warning module are also bi-directionally connected with social user's registration information storage summarizing module.The invention also includes the implementation methods of personal credit virtue assessment system.The present invention does not depend solely on personal economic situation, also relies on lineal relative, teachers and students classmate and Peer Relationships, more acurrate, more easily can reflect that personal credit is essential.

Description

A kind of personal credit virtue assessment system and implementation method

Technical field

The present invention relates to a kind of personal credit virtue assessment system and implementation methods.

Background technique

Social now, some people covets economic interests, inevitably allow the Chinese nation some tradition virtues biography Afford certain influence.

Existing personal credit file system is only subject to personal property (such as ant integrating system) mostly, is with personal property The quasi- existing personal credit virtue assessment system scope of application is small, can not cover all groups comprehensively (as without using Alipay Crowd).Individual keeps promise, honors credibility, effective not as good as earning money, and using money as the personal credit methods of marking of standard, is not suitable for National conditions do not restrict personal behavior.

Summary of the invention

The technical problem to be solved by the present invention is to overcome drawbacks described above of the existing technology, provide one kind

Personal economic situation is not depended solely on, the personal credit product of lineal relative, teachers and students classmate and Peer Relationships are also relied on Moral assessment system and implementation method.

The technical solution adopted by the present invention to solve the technical problems is:

A kind of personal credit virtue assessment system, including social application server, social relationships acquisition server and at least two Social software client;

Social application server is equipped with social user's registration information and stores summarizing module；

Social software client is equipped with registration/login module and real-name authentication module, registration/login module and real-name authentication mould Block connection, registration/login module and real-name authentication module are bi-directionally connected with social user's registration information storage summarizing module；

Social relationships acquisition server be equipped with sweepstake module, association authentication module, personal credit virtue grading module and Personal credit virtue warning module, sweepstake module, association authentication module, personal credit virtue grading module and personal credit Virtue warning module is bi-directionally connected with the real-name authentication module in social software client, sweepstake module be associated with certification Module is bi-directionally connected, association authentication module be bi-directionally connected with personal credit virtue grading module, sweepstake module with register/step on Record module is bi-directionally connected；Personal credit virtue grading module is bi-directionally connected with personal credit virtue warning module, sweepstake mould Block, association authentication module, personal credit virtue grading module and personal credit virtue warning module with social application server On social user's registration information storage summarizing module be bi-directionally connected；

Sweepstake module includes sweepstake information storage collection unit, lottery operation personnel typing unit, lottery operation people Member's network voting unit and prize drawing prize tool network voting unit, lottery operation personnel typing unit, lottery operation personnel's network are thrown Ticket member and prize drawing prize tool network voting unit are bi-directionally connected with sweepstake information storage collection unit；

Being associated with authentication module includes that association authentication information stores collection unit, identity document is associated with authentication unit, education educational background is closed Connection authentication unit and work proves be associated with authentication unit, identity document be associated with authentication unit, education it is academic be associated with authentication unit and Work prove association authentication unit be associated with authentication information store collection unit be bi-directionally connected；

Personal credit virtue grading module includes personal credit virtue score information storage collection unit, personal economic situation credit Scoring unit and be associated with good friend's cohesion virtue score unit, personal economic situation credit scoring unit be associated with good friend's cohesion Virtue scoring unit is bi-directionally connected with personal credit virtue score information storage collection unit；

Personal credit virtue warning module includes credit virtue prewarning unit；

Registration/login module fills in basic personal information for user, and sends social application service for basic personal information The social user's registration information of device stores summarizing module, and the social user's registration information of social application server stores summarizing module It is randomly assigned social friend-making account number after the basic personal information parsing submitted to user, so that user becomes usual registration user； Real-name authentication module is used to carry out real-name authentication for usual registration user, becomes real-name authentication user；

The social user's registration information storage summarizing module of social application server is used for the registration information to usual registration user It is stored with the real-name authentication information of real-name authentication user, and transmits communication data between each social software client；It is real Name authentication module has user's receipt, user's mobile payment, the displaying of user account remaining sum and operating function；Social user's registration Record has user's receipt state, user's mobile payment state, user account remaining sum and from external gold in information storage summarizing module Melt the reference state of mechanism typing.

Social relationships acquisition server provides data for real-name authentication user；

The lottery operation personnel typing unit of sweepstake module provides to want to be the real-name authentication user of lottery operation personnel Apply for entrance, and shows personal information；Lottery operation personnel's network voting unit of sweepstake module is recognized for all real names It demonstrate,proves user and network voting is carried out to the real-name authentication user in typing lottery operation personnel typing unit, according to network voting knot Fruit, using three or more the real-name authentication users of number of votes obtained at most as lottery operation personnel；Tool is encouraged in the prize drawing of sweepstake module Network voting unit, which has the prize drawing prize oneself approved for all real-name authentication users, votes, three sections of who gets the most votes with Upper different prize drawing prize tools are as the prize drawing prize tool used for lottery operation personnel, the prize drawing prize tool producing principle and former material being selected Material is different；The sweepstake information storage collection unit of sweepstake module is used for lottery operation personnel typing unit, takes out Prize operator's network voting unit and prize drawing prize tool network voting unit carry out information and summarize and supply all real-name authentications User carries out information inquiry；Also there is the sweepstake information storage collection unit of sweepstake module official irregularly to issue pumping The displaying function of prize, sweepstake time etc. are encouraged, and the information such as prize drawing prize, sweepstake time are pushed to and registers/steps on Record module and real-name authentication module are shown, are used in favor of attracting usual registration user to carry out real-name authentication as real-name authentication Family；

Be associated with authentication module identity document association authentication unit be used for there are the real-name authentication user of lineal relative's relationship into Row association makes to become association good friend there are the real-name authentication user of lineal relative's relationship, and related information is committed to association and is recognized It demonstrate,proves information and stores collection unit；Education educational background association authentication unit is only used for the real-name authentication user for having the above diploma of junior college, To there are the real-name authentication users of teachers and students or classmate's relationship to be associated, make the real-name authentication user there are teachers and students or classmate's relationship Association authentication information storage collection unit is committed to as association good friend, and by related information；Work proves association authentication unit Real-name authentication user there are Peer Relationships is associated, make there are the real-name authentication user of Peer Relationships become be associated with Friend, and related information is committed to association authentication information storage collection unit；Authentication information storage collection unit is associated with to identity Certificate association authentication unit, education educational background association authentication unit prove that the related information for being associated with authentication unit is stored with work Summarize；

The personal economic situation credit scoring unit of personal credit virtue grading module is used for all realities for being associated with good friend each other The economic situation of name certification user carries out credit scoring, and credit scoring result is committed to personal credit virtue score information and is deposited Store up collection unit；It is associated with the economic situation of the real-name authentication user of good friend each other according to the user stored on social application server Receipt state, user's mobile payment state, user account remaining sum and the reference state from the typing of external financial mechanism carry out credit Scoring；Association good friend's cohesion virtue scoring unit is used to communicate between all real-name authentication users for being associated with good friend each other Frequency carries out virtue scoring automatically, and the cohesion of interpersonal relationships is distinguished with the height of the virtue scoring obtained according to frequency, and Virtue scoring is committed to personal credit virtue score information storage collection unit；Personal credit virtue score information storage summarizes Unit is used to carry out summarizing storage to credit scoring and virtue scoring.

Credit virtue prewarning unit is used for credit scoring and virtue to all real-name authentication users for being associated with good friend each other Scoring is monitored, and to the real-name authentication user that credit scoring and/or virtue scoring decline suddenly, accordingly reduces its institute automatically The credit scoring of relevant good friend and/or virtue scoring；Real-name authentication module also has to personal credit virtue grading module The storage collection unit inquiry of personal credit virtue score information has been associated with the function that good friend has been associated with good friend with cancellation；Real-name authentication Module, which also has to the personal credit virtue score information of personal credit virtue grading module storage collection unit, checks oneself Credit scoring and virtue scoring, and check the credit scoring of association good friend and the function of virtue scoring；Real-name authentication module is also Its credit scoring and/or virtue is caused to score decrease reason (under i.e. inquiry causes its credit scoring and virtue to score with inquiry The source of drop) function.

Pass through sweepstake module, association authentication module, personal credit virtue grading module and personal credit virtue early warning Module is bi-directionally connected with the social user's registration information storage summarizing module on social application server, sweepstake module, Association authentication module, personal credit virtue grading module and personal credit virtue warning module can call directly social application service The information in social user's registration information storage summarizing module on device.

Further, the sweepstake information storage collection unit of sweepstake module has the function of to send prize drawing code, prize drawing Code stores collection unit by sweepstake information and is pushed into real-name authentication module, and real-name authentication user is prompted to get manually；Prize drawing The real-name authentication number of users statistical function that also there is action message storage collection unit statistics to have got prize drawing code.

Further, three or more most real-name authentication users of number of votes obtained are as lottery operation personnel, lottery operation personnel Have (prize drawing prize tool only needs to extract out any one units in 0-9) using three sections of who gets the most votes or more different prize drawing prizes, It can draw a lottery to all real-name authentication users, each lottery operation personnel have released units by different prize drawing prizes, It is combined into a long number in order, it is lucky for getting the real-name authentication user of prize drawing code identical with the long number manually User obtains corresponding prize.

Further, it is associated in the association authentication information storage collection unit of authentication module and is stored with social relationships acquisition tables, It could fill out mutually (i.e. the real-name authentication user of transmission social relationships acquisition tables and reception social relationships by social relationships acquisition tables The real-name authentication user of acquisition tables) between the letter in detail such as relationship address, home address, work address, identity card and residence booklet Breath.

Further, the sweepstake information storage collection unit of sweepstake module has the association to association authentication module Authentication information storage collection unit transfers the function of the social relationships acquisition tables of blank, and the social relationships acquisition tables of blank are sent out Give the function of the real-name authentication module of the lucky user；Real-name authentication module has the social relationships acquisition for uploading and having filled in Table stores the function of collection unit to the association authentication information of association authentication module.Meanwhile real-name authentication module have pass through society Application server is handed over to adopt to the social relationships for sending blank with the usual registration user and real-name authentication user for becoming social good friend The function of collection.It fills in manually and the usual registration user for uploading social relationships acquisition tables can automatically become real-name authentication user.

If a certain usual registration user or real-name authentication user utilize the social software client of oneself, taken in social application It is engaged under the data transmitting effect of device, is led to excessively with the social software client of other usual registrations user or real-name authentication user If letter, then assert that the two users being in communication with each other are social good friend.

Further, the displaying and operating function of user's receipt of real-name authentication module is suitable for borrowing money between social good friend, Each real-name authentication user can send receipt to the social good friend of oneself, and the borrowing time is had in receipt, is refunded time, gold Volume, free of interest or bear interest (interest provides highest interest no more than Central Bank), and receipt historical record before etc.；Social good friend (i.e. lending side) can select to borrow money or do not borrow money according to other side's receipt historical record.

A kind of implementation method of personal credit virtue assessment system as previously described, includes the following steps: that user passes through mobile phone Or computer downloads social software client, submits basic personal information, note by registration/login module of social software client Volume becomes usual registration user；If usual registration user wants to participate in sweepstake, may be selected to carry out by real-name authentication module Real-name authentication, usual registration user become real-name authentication user；Real-name authentication user can get manually and be deposited by sweepstake information Storage collection unit is pushed into the prize drawing code of real-name authentication module；If real-name authentication user wants to be lottery operation personnel, can pass through Lottery operation personnel's typing unit is applied；Meanwhile it can be drawn a lottery by lottery operation personnel's network voting unit to typing Real-name authentication user in operator's typing unit carries out network voting, and tool network voting unit can be also encouraged by prize drawing to certainly The prize drawing prize tool that oneself approves is voted；Three or more most real-name authentication users of number of votes obtained take out as lottery operation personnel Using three sections of who gets the most votes or more different prize drawing prize tools, (prize drawing prize tool only needs to extract out any one in 0-9 prize operator A units), it draws a lottery to all real-name authentication users, each lottery operation personnel are released by different prize drawing prize tools Units is combined into a long number in order, and the real-name authentication for getting prize drawing code identical with the long number manually is used Family is lucky user, obtains corresponding prize；

Sweepstake information stores collection unit and sends social relationships acquisition tables calling to association authentication information storage collection unit Request, after association authentication information storage collection unit receives social relationships acquisition tables call request, association authentication information storage Collection unit transfers the social relationships acquisition tables of blank, and the social relationships acquisition tables of blank are sent to the reality of the lucky user Name authentication module, fills in social relationships acquisition tables by lucky user and the association authentication information for being uploaded to association authentication module stores Collection unit；Meanwhile the social relationships acquisition tables of blank are sent to social good friend by social application server by lucky user (may include usual registration user and real-name authentication user), is uploaded to after being filled in by the social good friend of reception social relationships acquisition tables The association authentication information for being associated with authentication module stores collection unit, fills in and upload the common note of social relationships acquisition tables manually Volume user can automatically become real-name authentication user, the social relationships acquisition tables that association authentication information storage collection unit will have been filled in It is sent to identity document association authentication unit, education educational background association authentication unit proves to be associated with authentication unit, identity card with work Part is associated with authentication unit, education educational background is associated with authentication unit, work proves that association authentication unit is stored according to association authentication information The received social relationships acquisition tables filled in of collection unit choose the social good friend, select and are with lucky user Directly under the real-name authentication user of relative, classmate teachers and students or Peer Relationships, real-name authentication user and the lucky user being selected become It is associated with good friend；

The personal economic situation credit scoring unit of personal credit virtue grading module recognizes all real names for being associated with good friend each other The economic situation for demonstrate,proving user carries out credit scoring, and credit scoring result is committed to the storage of personal credit virtue score information and is converged Total unit；It is associated with the economic situation of the real-name authentication user of good friend each other according to the user's receipt stored on social application server State, user's mobile payment state, user account remaining sum and the reference state from the typing of external financial mechanism carry out credit and comment Point；Association good friend (such as exist lineal relative's relationship directly under relative and classmate teachers and students described previously, colleague) cohesion virtue is commented Sub-unit is for communication between all real-name authentication users for being associated with good friends each other, (communication between association good friend to pass through social activity Application server realizing) frequency carry out virtue scoring automatically, people is distinguished with the height of the virtue scoring obtained according to frequency The cohesion of border relationship, and virtue scoring is committed to personal credit virtue score information storage collection unit；Personal credit product Moral score information storage collection unit is used to carry out summarizing storage to credit scoring and virtue scoring；Real-name authentication user can pass through Real-name authentication module inquires oneself to the personal credit virtue score information of personal credit virtue grading module storage collection unit And its credit scoring and virtue scoring of association good friend；

Credit virtue prewarning unit scores (before i.e. to the credit scoring of all real-name authentication users for being associated with good friend each other and virtue The credit scoring result obtained by personal economic situation credit scoring unit is associated with good friend's cohesion virtue with passing through The virtue appraisal result that scoring unit obtains) it is monitored, the real-name authentication that credit scoring and/or virtue scoring are declined suddenly User, accordingly reduce automatically its relevant good friend (such as exist lineal relative's relationship directly under relative and classmate described previously Teachers and students, colleague) credit scoring and/or virtue scoring；Association good friend can cause its credit by real-name authentication module polls The reason of scoring and/or virtue scoring decline, (inquires the source for causing its credit scoring and/or virtue to score decline), and leads to The selection cancellation association certification of real-name authentication module is crossed, credit scoring and/or the automatic recovery of virtue scoring after cancellation；It is closed once cancelling Connection certification, each other then can not secondary association again.

The scoring of personal credit virtue is main when finance, cooperation relation occurring between personal and personal, individual and enterprise Reference frame, the present invention more acurrate, more easily can reflect that personal credit virtue is essential, personal credit file system of the invention System does not depend solely on personal economic situation, also relies on lineal relative, teachers and students classmate and Peer Relationships, with personal economic shape Condition, relatives, teachers and students classmate and Peer Relationships moral character and family relationship are fulcrum, by acquiring personal social relationships, with friend Feelings, personal social relationships are tie, allow personal credit virtue to bind personal social relationships, in conjunction with humanized credit virtue scoring side Method restrains and corrects personal unsound social credibility virtue idea；In society now, is relied on using the present invention and society is installed The mobile phone or computer of friendship software client then can easily understand the credit product of all members in oneself interpersonal relationship at any time Moral real conditions can greatly push social personal credit virtue construction and development, allow credit virtue toward transparence, networking Direction is developed, and the social concern of current national society's development is solved.

Detailed description of the invention

Fig. 1 is the entire block diagram of personal credit virtue assessment system.

In figure: 1 --- social application server；1-1 --- social user's registration information stores summarizing module；2 --- society Hand over software client；2-1 --- registration/login module；2-2 --- real-name authentication module；3 --- social relationships acquisition service Device；4 --- sweepstake module；4-1 --- sweepstake information stores collection unit；4-2 --- lottery operation personnel's typing Unit；4-3 --- lottery operation personnel's network voting unit；4-4 --- prize drawing prize tool network voting unit；5 --- association is recognized Demonstrate,prove module；5-1 --- association authentication information stores collection unit；5-2 --- identity document is associated with authentication unit；5-3 --- religion Educate educational background association authentication unit；5-4 --- work proves association authentication unit；6 --- personal credit virtue grading module；6- 1 --- personal credit virtue score information stores collection unit；6-2 --- personal economic situation credit scoring unit；6-3—— It is associated with good friend's cohesion virtue scoring unit；7 --- personal credit virtue warning module；7-1 --- credit virtue prewarning unit.

Specific embodiment

Below in conjunction with drawings and examples, the invention will be further described.

Referring to Fig.1, a kind of personal credit virtue assessment system, including social application server 1, social relationships acquisition service Device 3 and at least two social software clients 2,

Social application server 1 is equipped with social user's registration information and stores summarizing module 1-1；

Social software client 2 be equipped with registration/login module 2-1 and real-name authentication module 2-2, registration/login module 2-1 with The 2-2 connection of real-name authentication module, registration/login module 2-1 and real-name authentication module 2-2 are stored with social user's registration information Summarizing module 1-1 is bi-directionally connected；

Social relationships acquisition server 3 is equipped with sweepstake module 4, association authentication module 5, personal credit virtue grading module 6 and personal credit virtue warning module 7, sweepstake module 4, association authentication module 5,6 and of personal credit virtue grading module Personal credit virtue warning module 7 is bi-directionally connected with the real-name authentication mould 2-2 block in social software client 2, sweepstake Module 4 is bi-directionally connected with authentication module 5 is associated with, and association authentication module 5 is bi-directionally connected with personal credit virtue grading module 6, a People's credit virtue grading module 6 is bi-directionally connected with personal credit virtue warning module 7, sweepstake module 4 and registration/login mould Block 2-1 is bi-directionally connected；Sweepstake module 4, association authentication module 5, personal credit virtue grading module 6 and personal credit virtue Warning module 7 is bi-directionally connected with the social user's registration information storage summarizing module 1-1 on social application server 1；

Sweepstake module 4 includes sweepstake information storage collection unit 4-1, lottery operation personnel's typing unit 4-2, prize drawing Operator network voting unit 4-3 and prize drawing prize tool network voting unit 4-4, lottery operation personnel's typing unit 4-2, prize drawing Operator network voting unit 4-3 and prize drawing prize tool network voting unit 4-4 store collection unit with sweepstake information 4-1 is bi-directionally connected；

Being associated with authentication module 5 includes association authentication information storage collection unit 5-1, identity document association authentication unit 5-2, education Educational background association authentication unit 5-3 proves to be associated with authentication unit 5-4, identity document association authentication unit 5-2, education educational background with work Association authentication unit 5-3 and work prove association authentication unit 5-4 be associated with authentication information store the two-way company of collection unit 5-1 It connects；

Personal credit virtue grading module 6 includes personal credit virtue score information storage collection unit 6-1, personal economic situation Credit scoring unit 6-2 be associated with good friend's cohesion virtue scoring unit 6-3, personal economic situation credit scoring unit 6-2 and Association good friend's cohesion virtue scoring unit 6-3 is bi-directionally connected with personal credit virtue score information storage collection unit 6-1；

Personal credit virtue warning module 7 includes credit virtue prewarning unit 7-1.

Registration/login module 2-1 for user fill in basic personal information (including cell-phone number, the pet name, birthdate, Gender etc.), and the social user's registration information that basic personal information is sent to social application server 1 is stored into summarizing module 1- 1, the basic personal information solution that the social user's registration information storage summarizing module 1-1 of social application server 1 submits user Social friend-making account number is randomly assigned after analysis, so that user becomes usual registration user；Real-name authentication module 2-2 is used for as common note Volume user carries out real-name authentication, becomes real-name authentication user；

The social user's registration information storage summarizing module 1-1 of social application server 1 is for the registration to usual registration user Information and the real-name authentication information of real-name authentication user store, and the transmitting communication number between each social software client 2 According to；Real-name authentication module 2-2 has user's receipt, user's mobile payment, the displaying of user account remaining sum and operating function；It is social Record has user's receipt state, user's mobile payment state, user account remaining sum on user's registration information storage summarizing module 1-1 With the reference state from the typing of external financial mechanism.

Social relationships acquisition server 3 provides data for real-name authentication user；

Lottery operation personnel's typing unit 4-2 of sweepstake module 4 is the real-name authentication user for wanting to be lottery operation personnel Application entrance is provided, and shows personal information；The lottery operation personnel network voting unit 4-3 of sweepstake module 4 is used for institute There is real-name authentication user to carry out network voting, root to the real-name authentication user in typing lottery operation personnel typing unit 4-2 According to network voting as a result, using three or more most real-name authentication users of number of votes obtained as lottery operation personnel；Sweepstake mould The prize drawing prize tool network voting unit 4-4 of block 4 votes to the prize drawing prize tool oneself approved for all real-name authentication users, Three sections of who gets the most votes or more different prize drawing prize tools are as the prize drawing prize tool used for lottery operation personnel, the prize drawing prize being selected Have producing principle and raw material are different；The sweepstake information storage collection unit 4-1 of sweepstake module 4 is used for prize drawing Operator's typing unit 4-2, lottery operation personnel network voting unit 4-3 and prize drawing prize tool network voting unit 4-4 are carried out Information summarizes and all real-name authentication users is supplied to carry out information inquiry；The sweepstake information of sweepstake module 4 stores Collection unit 4-1 also has the function of that official irregularly issues the displaying of prize drawing prize, sweepstake time etc., and prize drawing is encouraged The information such as product, sweepstake time push to registration/login module 2-1 and real-name authentication module 2-2 is shown, in favor of inhaling Draw usual registration user and carries out real-name authentication as real-name authentication user.

Prize drawing prize tool can be designed and produced by real-name authentication user using the working environment of oneself；Each prize drawing prize tool requires material And principle must not be identical, but rule is the same, it is only necessary to extract one in 0-9 in 10 bit digitals out, manual operation forbids automation to grasp Make, the sweepstake information storage collection unit that design master drawing submits to sweepstake module is examined, sweepstake module 4 Sweepstake information storage collection unit 4-1 approval results are fed back into real-name authentication user, real-name authentication user is according to examining It criticizes result and decides whether that making the prize drawing prize being consistent with design master drawing has, and will give 3-10 times of expense for making finished product as benefit It repays；Prize drawing prize tool principle, operation animation process, pictorial diagram sector-meeting summarize in the sweepstake information storage of sweepstake module 4 Unit 4-1 is shown, and is voted by real-name authentication user network, and who gets the most votes, and a few money prize drawing prize tools participate in sweepstake；It is all Prize drawing process, the sweepstake information storage collection unit 4-1 of sweepstake module 4 carries out the whole network live streaming, and (such as: participant has 100000 or less personnel then need to extract the most 5 sections of prize drawings prize tool of network voting, by the how many words in order of network gained vote It arranges, each real-name authentication user for participating in sweepstake, a prize drawing prize tool therein can only be operated, by each of 5 sections Prize drawing prize has extracted number, and real-name authentication user corresponding to the prize drawing code being combined into order, as this is lucky User.

The identity document association authentication unit 5-2 for being associated with authentication module 5 is used for there are the real names of lineal relative's relationship to recognize Card user is associated, and makes to become association good friend there are the real-name authentication user of lineal relative's relationship, and related information is submitted Collection unit 5-1 is stored to association authentication information；Education educational background association authentication unit 5-3 is only used for having the above diploma of junior college Real-name authentication user makes that there are teachers and students or classmate's relationships to there are the real-name authentication users of teachers and students or classmate's relationship to be associated Real-name authentication user become association good friend, and by related information be committed to association authentication information storage collection unit 5-1；Work It proves that association authentication unit 5-4 is associated the real-name authentication user there are Peer Relationships, makes that there are teachers and students or classmate's relationships Real-name authentication user become association good friend, and by related information be committed to association authentication information storage collection unit 5-1；Association Authentication information stores collection unit 5-1 to identity document association authentication unit 5-2, education educational background association authentication unit 5-3 and work Testify be associated with authentication unit 5-4 related information carry out storage summarize.

The personal economic situation credit scoring unit 6-2 of personal credit virtue grading module 6 for being associated with each other to all The economic situation of the real-name authentication user of good friend carries out credit scoring, and credit scoring result is committed to personal credit virtue and is commented Information is divided to store collection unit 6-1；It is associated with the economic situation of the real-name authentication user of good friend each other according to social application server 1 User's receipt state, user's mobile payment state, user account remaining sum and the reference from the typing of external financial mechanism of upper storage State carries out credit scoring.Association good friend (such as exist lineal relative's relationship directly under relative and classmate teachers and students described previously, same Thing) cohesion virtue scoring unit 6-3 be used for each other be associated with good friend all real-name authentication users association good friend between lead to The frequency of letter (communication between association good friend is realized by social application server 1) carries out virtue scoring automatically, according to frequency The height for the virtue scoring that rate obtains distinguishes the cohesion of interpersonal relationships, and virtue appraisal result is committed to personal credit product Moral score information stores collection unit 6-1.Personal credit virtue score information store collection unit 6-1 be used for credit scoring and Virtue scoring carries out summarizing storage.

Certain real-name authentication user and it is associated the lineal relative for good friend, the frequency that communicates between teachers and students classmate and colleague It is higher, then illustrate that relatives, teachers and students classmate and colleague communicate with real-name authentication user with pleasure, also illustrates the real name accordingly The virtue for authenticating user is higher, can also help each other in particular difficulty period；The people low for virtue, lineal relative, Shi Shengtong And all displeased communicate with of working together.So according to real-name authentication user and the relatives for good friend, teacher can be associated The frequency that communicates between raw classmate and colleague carries out virtue scoring.

Assuming that the association good friend of real-name authentication user A has real-name authentication user B, real-name authentication user C, real-name authentication user D1, D2, real-name authentication user B and real-name authentication user A are lineal relative's relationship, real-name authentication user C and real-name authentication user A For teachers and students' classmate's relationship；Real-name authentication user D1, D2 and real-name authentication user A is Peer Relationships；

When need to carry out virtue scoring to real-name authentication user A, completed using association good friend's cohesion virtue scoring unit 6-3, The virtue scoring carried out according to frequency can be carried out according to following rule:

Regular (1), the frequency X1, real-name authentication user A and reality that will be communicated between real-name authentication user A and real-name authentication user B Name authenticates the frequency X3 communicated between frequency X2, the real-name authentication user A and real-name authentication user D1 communicated between user C, reality The frequency X4 communicated between name certification user A and real-name authentication user D2 is summed to obtain sum frequency N with the ratio of a:b:c:d =X1*a+ X2*b+ X3*c+ X4*d, a:b:c:d can be set according to actual needs.Different sum frequencys or sum frequency Affiliated segment corresponds to different virtue scorings.

The total score of association good friend's cohesion virtue scoring unit can be set as 500 points, starting virtue scoring is 250 points, point Positive and negative each 250 stages, totally 500 stages.

Regular (2), to the real-name authentication user that need to carry out virtue scoring, according to its with lineal relative (with need to carry out virtue The real-name authentication user of scoring has been associated as the lineal relative of good friend) between the obtained score full marks of the frequency that communicates be E, for According to the score that the frequency that it is communicated between lineal relative obtains, different frequencies or the affiliated frequency separation section of frequency are corresponding not Same score；To the real-name authentication user that need to carry out virtue scoring, according to its with teachers and students classmate (with the reality that need to carry out virtue scoring Name certification user has been associated as the teachers and students classmate of good friend) between the obtained score full marks of the frequency that communicates be F, for according to it The score that the frequency communicated between teachers and students classmate obtains, different frequencies or the affiliated frequency separation section of frequency correspond to different points Number；To the real-name authentication user that need to carry out virtue scoring, according to its with colleague (with the real-name authentication user that need to carry out virtue scoring Be associated as the colleague of good friend) between the obtained score full marks of the frequency that communicates be G, for what is communicated between colleague according to it The score that frequency obtains, different frequencies or the affiliated frequency separation section of frequency correspond to different scores；E:F:G can be according to practical need It is set.

For with regard to real-name authentication user A and being associated as B, C, D1, D2 of good friend, real-name authentication user A and direct line parent The score obtained between the real-name authentication user B of category relationship according to communication frequency or the affiliated frequency separation section of frequency is e, e≤E； According to communication frequency or the affiliated frequency separation of frequency between real-name authentication user A and the real-name authentication user C of teachers and students' classmate's relationship The score that section obtains is f, f≤F；According to communication frequency between real-name authentication user A and the real-name authentication user D1 of Peer Relationships Or the score that the affiliated frequency separation section of frequency obtains is g, g≤G；The real-name authentication user of real-name authentication user A and Peer Relationships The score obtained between D2 according to communication frequency or the affiliated frequency separation section of frequency is m, m≤G；The then product of real-name authentication user A Moral scoring is e+f+g+m.

Certainly, carrying out the rule of virtue scoring according to frequency can also be Else Rule, and rule can carry out according to actual needs Setting.

When need to carry out credit scoring to the economic situation of real-name authentication user A, personal credit virtue grading module 6 is used Personal economic situation credit scoring unit 6-2 is completed.According to the use for storing real-name authentication user A on social application server 1 Family receipt state, user's mobile payment state, user account remaining sum and the reference state from the typing of external financial mechanism, carry out letter With scoring.

For credit scoring, the mode that similar above-mentioned regular (2) can also be used is carried out, by real-name authentication user according to user The score full marks that receipt state obtains are H, for the score obtained according to user's receipt state, different user's receipt states pair Answer different scores；Real-name authentication user is I according to the score full marks that user's mobile payment state obtains, for being moved according to user The score that dynamic pay status obtains, different mobile payment states correspond to different scores；Real-name authentication user is according to user's account The score full marks that family remaining sum obtains are J, for the score obtained according to user account remaining sum, different user account remaining sums pair Answer different scores；Real-name authentication user is K according to the score full marks that reference state obtains, for what is obtained according to reference state Score, different reference states correspond to different scores；H:I:J:K can be set according to actual needs.

There can be starting point according to the score that user's receipt state obtains, if record of borrowing money is good, on starting point basis Upper increase, if borrow money record it is bad, starting point on the basis of reduce.

For real-name authentication user A, the score h, h≤H that are obtained according to user's receipt state；According to user's mobile payment The score i, i≤I that state obtains；The score j, j≤J obtained according to user account remaining sum；The score obtained according to reference state K, k≤K；Then the virtue scoring of real-name authentication user A is h+i+j+k.

Certainly, the rule of credit can also be Else Rule, and rule can be set according to actual needs.

Credit virtue prewarning unit 7-1 is used for the virtue scoring to all real-name authentication users for being associated with good friend each other (i.e. The credit scoring result described previously obtained by personal economic situation credit scoring unit 6-2 with by being associated with good friend's cohesion The obtained virtue appraisal result of virtue scoring unit 6-3) it is monitored, to the real-name authentication user that credit scoring declines suddenly, Automatically accordingly reduce its relevant good friend (such as exist lineal relative's relationship directly under relative and classmate teachers and students described previously, Colleague) credit scoring and/or virtue scoring；Real-name authentication module 2-2 also has to personal credit virtue grading module 6 The storage collection unit 6-1 inquiry of people's credit virtue score information has been associated with good friend and has recognized with the function of being associated with good friend, real name is cancelled Card module 2-2, which also has to the personal credit virtue score information of personal credit virtue grading module 6 storage collection unit 6-1, to be looked into It sees oneself credit scoring and virtue scoring, and checks the credit scoring of association good friend and the function of virtue scoring；Real name is recognized Also there is card module 2-2 inquiry its credit scoring and/or virtue to be caused to score, and (i.e. inquiry causes its credit scoring to decrease reason And/or virtue scoring decline source) function.

It is pre- by sweepstake module 4, association authentication module 5, personal credit virtue grading module 6 and personal credit virtue Alert module 7 is bi-directionally connected with the social user's registration information storage summarizing module 1-1 on social application server 1, and prize drawing is lived Dynamic model block 4, association authentication module 5, personal credit virtue grading module 6 and personal credit virtue warning module 7 can call directly The information on social user's registration information storage summarizing module 1-1 on social application server 1.

The sweepstake information storage collection unit 4-1 of sweepstake module 4 has the function of that transmission prize drawing code, prize drawing code are logical It crosses sweepstake information storage collection unit 4-1 and is pushed into real-name authentication module 2-2, real-name authentication user is prompted to get manually；It takes out The real-name authentication number of users statistical function that there is prize action message storage collection unit also 4-1 statistics to have got prize drawing code.

Three or more most real-name authentication users of number of votes obtained use gained vote as lottery operation personnel, lottery operation personnel The different prize drawing prize tools of most three sections or more (prize drawing prize tool only needs to extract out any one units in 0-9), can be to all Real-name authentication user draws a lottery, and each lottery operation personnel have released units by different prize drawing prizes, in order group A long number is synthesized, the real-name authentication user for getting prize drawing code identical with the long number manually is lucky user, is obtained Obtain corresponding prize.

Social relationships acquisition tables are stored in the association authentication information storage collection unit 5-1 of association authentication module 5, are passed through Social relationships acquisition tables could fill out mutually (i.e. the real-name authentication user of transmission social relationships acquisition tables and reception social relationships acquisition The real-name authentication user of table) between the details such as relationship address, home address, work address, identity card and residence booklet.

There is the sweepstake information storage collection unit 4-1 of sweepstake module 4 association to association authentication module 5 to recognize Card information storage collection unit 5-1 transfers the function of the social relationships acquisition tables of blank, and by the social relationships acquisition tables of blank It is sent to the function of the real-name authentication module 2-2 of the lucky user；Real-name authentication module 2-2 has the society for uploading and having filled in Relationship acquisition tables store the function of collection unit 5-1 to the association authentication information of association authentication module.Meanwhile real-name authentication module 2-2 has empty to sending with the usual registration user and real-name authentication user for becoming social good friend by social application server 1 The function of white social relationships acquisition.It fills in manually and the usual registration user for uploading social relationships acquisition tables can automatically become Real-name authentication user.

If a certain usual registration user or real-name authentication user utilize the social software client 2 of oneself, in social application Under the data transmitting effect of server 1, carried out with the social software client 2 of other usual registrations user or real-name authentication user If crossing communication, then assert that the two users being in communication with each other are social good friend.

The displaying and operating function of user's receipt of real-name authentication module 2-2 are suitable for borrowing money between social good friend, each A real-name authentication user, can to the social good friend of oneself send receipt, receipt in have the borrowing time, refund the time, the amount of money, Free of interest or bear interest (interest provides highest interest no more than Central Bank), and receipt historical record before etc.；Social good friend is (i.e. Lending side) it can select to borrow money or do not borrow money according to other side's receipt historical record.

A kind of implementation method of personal credit virtue assessment system as previously described, includes the following steps: that user passes through mobile phone Or computer downloads social software client 2, submits basic personal letter by registration/login module 2-1 of social software client 2 Breath, is registered as usual registration user；If usual registration user wants to participate in sweepstake, may be selected to pass through real-name authentication module 2-2 carries out real-name authentication, and usual registration user becomes real-name authentication user；Real-name authentication user can get manually by sweepstake Information storage collection unit 4-1 is pushed into the prize drawing code of real-name authentication module 2-2；If real-name authentication user wants to be lottery operation people Member, then can pass through lottery operation personnel's typing unit 4-2 application；Meanwhile lottery operation personnel's network voting list can be passed through First 4-3 carries out network voting to the real-name authentication user in typing lottery operation personnel typing unit 4-2, can also pass through prize drawing Prize tool network voting unit 4-4 votes to the prize drawing prize tool oneself approved；Three or more most real-name authentications of number of votes obtained User uses three sections of who gets the most votes or more different prize drawing prize tool (prize drawing prize tools as lottery operation personnel, lottery operation personnel Only need to extract out any one units in 0-9), it draws a lottery to all real-name authentication users, each lottery operation personnel are logical It crosses different prize drawing prizes and has released units, be combined into a long number in order, got manually and the long number The real-name authentication user of identical prize drawing code is lucky user, obtains corresponding prize；

Sweepstake information stores collection unit 4-1 and sends social relationships acquisition to association authentication information storage collection unit 5-1 Table call request, after association authentication information storage collection unit 5-1 receives social relationships acquisition tables call request, association certification Information storage collection unit 5-1 transfers the social relationships acquisition tables of blank, the social relationships acquisition tables of blank is sent to described The real-name authentication module 2-2 of lucky user fills in social relationships acquisition tables by lucky user and is uploaded to association authentication module 5 It is associated with authentication information and stores collection unit 5-1；Meanwhile lucky user takes the social relationships acquisition tables of blank by social application Business device 1 is sent to social good friend (may include usual registration user and real-name authentication user), by reception social relationships acquisition tables Social good friend be uploaded to after filling in association authentication module 5 association authentication information storage collection unit 5-1, filled in manually and on The usual registration user for passing social relationships acquisition tables can automatically become real-name authentication user, and association authentication information stores collection unit The social relationships acquisition tables filled in are sent to identity document association authentication unit 5-2, education educational background association authentication unit by 5-1 5-3 is associated with authentication unit 5-4 with the proof that works, identity document is associated with authentication unit 5-2, education educational background is associated with authentication unit 5-3, Work proves that association authentication unit 5-4 stores the received social relationships filled in of collection unit 5-1 according to association authentication information Acquisition tables choose the social good friend, and selecting with lucky user is the reality directly under relative, classmate teachers and students or Peer Relationships Name certification user, the real-name authentication user being selected becomes with lucky user is associated with good friend；

The personal economic situation credit scoring unit 6-2 of personal credit virtue grading module 6 is to all realities for being associated with good friend each other The economic situation of name certification user carries out credit scoring, and credit scoring result is committed to personal credit virtue score information and is deposited Store up collection unit 6-1；It is associated with the economic situation of the real-name authentication user of good friend each other according to storing on social application server 1 User's receipt state, user's mobile payment state, user account remaining sum and the reference state from the typing of external financial mechanism carry out Credit scoring；Association good friend (such as exist lineal relative's relationship directly under relative and classmate teachers and students described previously, colleague) cohesion Virtue scores unit 6-3 for (logical between association good friend to communication between all real-name authentication users for being associated with good friends each other Letter is realized by social application server) frequency carry out virtue scoring automatically, the height to be scored with the virtue that is obtained according to frequency The low cohesion to distinguish interpersonal relationships, and virtue appraisal result is committed to personal credit virtue score information storage cover sheet First 6-1；Personal credit virtue score information storage collection unit 6-1 is used to summarize depositing to credit scoring and virtue scoring Storage；Real-name authentication user can be scored by real-name authentication module 2-2 to the personal credit virtue of personal credit virtue grading module 6 Information storage collection unit 6-1 inquires oneself and its credit scoring and virtue scoring that are associated with good friend；

Credit virtue prewarning unit 7-1 to it is all each other be associated with good friends real-name authentication users credit scoring and virtue score into It is relevant accordingly to reduce its institute to the real-name authentication user that credit scoring and/or virtue scoring decline suddenly automatically for row monitoring The credit scoring and/or virtue of good friend's (such as exist lineal relative's relationship directly under relative and classmate teachers and students described previously, colleague) Scoring；Association good friend can inquire the reason of causing its credit scoring and/or virtue scoring decline by real-name authentication module 2-2 (inquiring the source for causing its credit scoring and/or virtue to score decline), and closed by real-name authentication module 2-2 selection cancellation Connection certification, credit scoring restores automatically after cancellation；Once cancel association certification, it each other then can not secondary association again.

A kind of preferred embodiment of the invention is discussed in detail above.The specific embodiment is only used Core of the invention thought is understood in help.It should be pointed out that those of ordinary skill in the art, not departing from this hair , can be with several improvements and modifications are made to the present invention under the premise of bright principle, these improvement and modification also belong to power of the present invention The protection scope that benefit requires.

Claims

1. a kind of personal credit virtue assessment system, which is characterized in that including social application server, social relationships acquisition service Device and at least two social software clients,

Personal credit virtue warning module includes credit virtue prewarning unit；

The social user's registration information storage summarizing module of social application server is used for the registration information to usual registration user It is stored with the real-name authentication information of real-name authentication user, and transmits communication data between each social software client；It is real Name authentication module has user's receipt, user's mobile payment, the displaying of user account remaining sum and operating function；Social user's registration Record has user's receipt state, user's mobile payment state, user account remaining sum and from external gold in information storage summarizing module Melt the reference state of mechanism typing；

The lottery operation personnel typing unit of sweepstake module provides to want to be the real-name authentication user of lottery operation personnel Apply for entrance, and shows personal information；Lottery operation personnel's network voting unit of sweepstake module is recognized for all real names It demonstrate,proves user and network voting is carried out to the real-name authentication user in typing lottery operation personnel typing unit, according to network voting knot Fruit, using three or more the real-name authentication users of number of votes obtained at most as lottery operation personnel；Tool is encouraged in the prize drawing of sweepstake module Network voting unit, which has the prize drawing prize oneself approved for all real-name authentication users, votes, three sections of who gets the most votes with Upper different prize drawing prize tools are as the prize drawing prize tool used for lottery operation personnel, the prize drawing prize tool producing principle and former material being selected Material is different；The sweepstake information storage collection unit of sweepstake module is used for lottery operation personnel typing unit, takes out Prize operator's network voting unit and prize drawing prize tool network voting unit carry out information and summarize and supply all real-name authentications User carries out information inquiry；Also there is the sweepstake information storage collection unit of sweepstake module official irregularly to issue pumping Prize, the displaying function of sweepstake time are encouraged, and the information such as prize drawing prize, sweepstake time are pushed into registration/login Module and real-name authentication module are shown, are used in favor of attracting usual registration user to carry out real-name authentication as real-name authentication Family；

The personal economic situation credit scoring unit of personal credit virtue grading module is used for all realities for being associated with good friend each other The economic situation of name certification user carries out credit scoring, and credit scoring result is committed to personal credit virtue score information and is deposited Store up collection unit；It is associated with the economic situation of the real-name authentication user of good friend each other according to the user stored on social application server Receipt state, user's mobile payment state, user account remaining sum and the reference state from the typing of external financial mechanism carry out credit Scoring；Association good friend's cohesion virtue scoring unit is used to communicate between all real-name authentication users for being associated with good friend each other Frequency carries out virtue scoring automatically, the cohesion of interpersonal relationships is distinguished according to the height of the virtue scoring of frequency acquisition, and will Virtue scoring is committed to personal credit virtue score information storage collection unit；Personal credit virtue score information stores cover sheet Member to credit scoring and virtue scoring for carrying out summarizing storage；

Credit virtue prewarning unit is used to score to the credit scoring of all real-name authentication users for being associated with good friend each other and virtue It is monitored, to the real-name authentication user that credit scoring and/or virtue scoring decline suddenly, it is related accordingly to reduce its institute automatically Join the credit scoring and/or virtue scoring of good friend；Real-name authentication module also has the individual to personal credit virtue grading module The storage collection unit inquiry of credit virtue score information has been associated with the function that good friend has been associated with good friend with cancellation；Real-name authentication module Also there is the credit that oneself is checked to the personal credit virtue score information of personal credit virtue grading module storage collection unit Scoring and virtue scoring, and check the credit scoring of association good friend and the function of virtue scoring；Real-name authentication module also has Inquiry causes the reason of its credit scoring and/or virtue scoring decline i.e. inquiry to cause under its credit scoring and/or virtue scoring The function in the source of drop.

2. personal credit virtue assessment system according to claim 1, which is characterized in that the prize drawing of sweepstake module is living Dynamic information storage collection unit has the function of that transmission prize drawing code, prize drawing code store collection unit by sweepstake information and be pushed into reality Name authentication module, prompts real-name authentication user to get manually；Also there is sweepstake information storage collection unit statistics to have got The real-name authentication number of users statistical function of prize drawing code.

3. personal credit virtue assessment system according to claim 2, which is characterized in that most three or more of number of votes obtained Real-name authentication user is had as lottery operation personnel, lottery operation personnel using three sections of who gets the most votes or more different prize drawing prizes, It can draw a lottery to all real-name authentication users, each lottery operation personnel have released units by different prize drawing prizes, It is combined into a long number in order, it is lucky for getting the real-name authentication user of prize drawing code identical with the long number manually User obtains corresponding prize.

4. personal credit virtue assessment system according to claim 1 or 2, which is characterized in that be associated with the pass of authentication module Social relationships acquisition tables are stored in connection authentication information storage collection unit, could fill out between each other by social relationships acquisition tables Relationship address, home address, work address, identity card and residence booklet details.

5. personal credit virtue assessment system according to claim 1 or 2, which is characterized in that the pumping of sweepstake module Prize action message storage collection unit, which has to the association authentication information storage collection unit of association authentication module, transfers blank The function of social relationships acquisition tables, and the social relationships acquisition tables of blank are sent to the real-name authentication module of the lucky user Function；The association authentication information that there are real-name authentication module the social relationships acquisition tables for uploading and having filled in extremely to be associated with authentication module Store the function of collection unit；Meanwhile real-name authentication module have by social application server to become social good friend's Usual registration user and real-name authentication user send the function of the social relationships acquisition of blank；It fills in manually and uploads social pass It is that the usual registration users of acquisition tables can automatically become real-name authentication user.

6. personal credit virtue assessment system according to claim 1 or 2, which is characterized in that the use of real-name authentication module The displaying and operating function of family receipt are suitable for borrowing money between social good friend, each real-name authentication user can be to oneself society The friend that forges a good relationship sends receipt, the borrowing time is had in receipt, refund time, the amount of money, free of interest or interest-bearing, and receipt before is gone through Records of the Historian record etc.；Social good friend, that is, lending side can select to borrow money or do not borrow money according to other side's receipt historical record.

7. a kind of implementation method of the personal credit virtue assessment system as described in claim any one of 1-6, includes the following steps: User downloads social software client by mobile phone or computer, submits base by registration/login module of social software client This personal information is registered as usual registration user；If usual registration user wants to participate in sweepstake, may be selected to pass through real name Authentication module carries out real-name authentication, and usual registration user becomes real-name authentication user；Real-name authentication user can get manually by taking out Prize action message storage collection unit is pushed into the prize drawing code of real-name authentication module；If real-name authentication user wants to be lottery operation people Member, then can be applied by lottery operation personnel's typing unit；Meanwhile lottery operation personnel's network voting unit pair can be passed through The real-name authentication user in typing lottery operation personnel typing unit carries out network voting, and tool network can be also encouraged by prize drawing and is thrown Ticket member votes to the prize drawing prize tool oneself approved；Three or more most real-name authentication users of number of votes obtained are as prize drawing behaviour Make personnel, lottery operation personnel carry out all real-name authentication users using three sections of who gets the most votes or more different prize drawing prize tools Prize drawing, each lottery operation personnel have released units by different prize drawing prizes, are combined into a long number, hand in order The dynamic real-name authentication user for getting prize drawing code identical with the long number is lucky user, obtains corresponding prize；

Sweepstake information stores collection unit and sends social relationships acquisition tables calling to association authentication information storage collection unit Request, after association authentication information storage collection unit receives social relationships acquisition tables call request, association authentication information storage Collection unit transfers the social relationships acquisition tables of blank, and the social relationships acquisition tables of blank are sent to the reality of the lucky user Name authentication module, fills in social relationships acquisition tables by lucky user and the association authentication information for being uploaded to association authentication module stores Collection unit；Meanwhile the social relationships acquisition tables of blank are sent to social good friend by social application server by lucky user, The association authentication information storage that association authentication module is uploaded to after being filled in by the social good friend of reception social relationships acquisition tables summarizes Unit, is filled in manually and the usual registration user for uploading social relationships acquisition tables can automatically become real-name authentication user, association Authentication information stores collection unit and the social relationships acquisition tables filled in is sent to identity document association authentication unit, pedagogy Going through association authentication unit proves to be associated with authentication unit, identity document association authentication unit, education educational background association certification list with work Member, work prove that association authentication unit is acquired according to the received social relationships filled in of association authentication information storage collection unit Table chooses the social good friend, selects and recognize with lucky user for the real name directly under relative, classmate teachers and students or Peer Relationships User is demonstrate,proved, the real-name authentication user being selected becomes with lucky user is associated with good friend；

The personal economic situation credit scoring unit of personal credit virtue grading module recognizes all real names for being associated with good friend each other The economic situation for demonstrate,proving user carries out credit scoring, and credit scoring result is committed to the storage of personal credit virtue score information and is converged Total unit；It is associated with the economic situation of the real-name authentication user of good friend each other according to the user's receipt stored on social application server State, user's mobile payment state, user account remaining sum and the reference state from the typing of external financial mechanism carry out credit and comment Point；Association good friend's cohesion virtue scoring unit to the frequency that communicates between all real-name authentication users for being associated with good friends each other from It is dynamic to carry out virtue scoring, distinguish the cohesion of interpersonal relationships with the height of the virtue scoring obtained according to frequency, and by virtue Appraisal result is committed to personal credit virtue score information storage collection unit；Personal credit virtue score information stores cover sheet Member to credit scoring result and virtue appraisal result for carrying out summarizing storage；Real-name authentication user can pass through real-name authentication module Oneself and its association good friend are inquired to the personal credit virtue score information of personal credit virtue grading module storage collection unit Credit scoring and virtue scoring；

Credit virtue prewarning unit carries out the credit scoring and virtue scoring of all real-name authentication users for being associated with good friend each other It is relevant good accordingly to reduce its institute to the real-name authentication user that credit scoring and/or virtue scoring decline suddenly automatically for monitoring The credit scoring of friend and/or virtue scoring；Association good friend can be caused by real-name authentication module polls its credit scoring and/or The reason of virtue scoring decline i.e. inquiry causes the source of its credit scoring and/or virtue scoring decline, and passes through real-name authentication Module selection cancellation association certification, credit scoring and/or the automatic recovery of virtue scoring after cancellation；Once cancelling association certification, phase It then can not secondary association again between mutually.