CN109727123A - User's collage-credit data construction method, device and computer readable storage medium - Google Patents
User's collage-credit data construction method, device and computer readable storage medium Download PDFInfo
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Abstract
The present invention relates to a kind of block chain technologies, disclose a kind of user's collage-credit data construction method, this method comprises: establishing the first back end for each user, the basic information database of the user is generated in first back end；The transaction data for obtaining the user in real time from the second back end updates the basic information database of first back end according to the transaction data of acquisition；According to the basic information database, the credit scoring of the user is generated using preset Credit Evaluation Model, and the credit scoring of the user is stored in platform database；And when receiving the loan application of the user, the credit scoring of the user is sent to loan origination side, assesses the corresponding loan origination amount of money of the loan application and interest rate for the loan origination side.The present invention also proposes a kind of device and a kind of computer readable storage medium.The present invention provides a kind of credit appraisal mechanism of suitable rural area peasant household.
Description
Technical field
The present invention relates to block chain technical field more particularly to a kind of user's collage-credit data buildings based on block chain technology
Method, apparatus and computer readable storage medium.
Background technique
Since agriculture industrialization is explored since mid-term the 1980s China, rural area one, the secondary industry and the tertiary industry are begun to
Fusion development.During agriculture industrialization, there is all kinds of novel management bodies, including home farm, professional rich and influential family, Nong Minhe
Make society, leading enterprise etc..From in recent years, agriculture scale trend is more and more obvious, and agriculture every profession and trade has apparent scale
Change trend.Scale can obtain lower cost, higher quality, stronger negotiated sale ability, substantially reduce risk and mention
High profit, but it is also required to a large amount of capital investment simultaneously.
But the development speed of agricultural finance is still very slow in recent years, agricultural finance not directly proportional to the rate of agricultural development
Disparities between supply and demand increasingly increase." agriculture, rural areas and farmers internet finance blue book " display of the part of in August, 2016 publication, from 2014, I
State agriculture-countryside-farmer finance notch is more than 3 trillion yuans, this digital more than 2016 capital, Shanghai two places annual GDP.
The main reason for more difficult from agricultural loan at present, is a lack of effective guaranty, is just a lack of credit mortgage after all
Mechanism.When agriculture management main body application loan, the main body is needed to provide corresponding credit information, this partial information comes from
In the data of bank, insurance or credit information service.But there is also problems for the step, such as information is imperfect, data
The problems such as inaccuracy, use cost is high.
Block chain technology has exceeded territory restriction based on decentralization, can play than conventional banking facilities high
The value delivery of efficiency low cost acts on.Block chain can use programmed algorithm and automatically record massive information, and be stored in block
On each computer of chain network, information transparency distorts that difficulty is high, use cost is low.Therefore, silver is eliminated the reliance on when application loan
The intermediaries such as row, reference company provide credit and prove, lending agency is by transferring the corresponding information data of block chain.
Aiming at the problem that credit lacks mechanism, it can targetedly propose to establish peasant household's reference body using block chain technology
It is platform.Establishing credit system, there are three key elements: data, model and tool.It is most crucial problem for data are current.
The customer group covered in Central Bank's collage-credit data library at present, effective customer group is 3.7 hundred million or so, but the peasant in China
It is close to have 7 hundred million.It may be said that in the collage-credit data of Central Bank, most part peasants are not no data, so being difficult only
The risk of one peasant of assessment is gone by the collage-credit data of Central Bank.Therefore, the credit data of peasant household is obtained for developing agricultural gold
It is vital for melting.
Summary of the invention
The present invention provides a kind of user's collage-credit data construction method, device and computer readable storage medium, main mesh
Be a kind of credit appraisal mechanism of suitable rural area peasant household is provided.
To achieve the above object, user's collage-credit data construction method of the invention, comprising:
The first back end is established for each user, the essential information number of the user is generated in first back end
According to library；
The transaction data for obtaining the user in real time from the second back end updates described first according to the transaction data of acquisition
The basic information database of back end；
According to the basic information database, the credit scoring of the user is generated using preset Credit Evaluation Model, it will
The credit scoring of the user is stored in platform database；And
When receiving the loan application of the user, the credit scoring of the user is sent to loan origination side, for described
Assess the corresponding loan origination amount of money of the loan application and interest rate in loan origination side.
Optionally, first back end be block catenary system in back end, the essential information of each user and
Condition of assets constitutes the basic information database of first back end.
Optionally, the essential information includes name, gender, age, kinsfolk's information, and the condition of assets includes family
Front yard assets, can guaranty, credit standing.
Optionally, second back end leads to for the back end in the block catenary system, the transaction of financial institution
Record data constitute the data of financial transaction library of second back end.
Optionally, user's collage-credit data construction method further include:
Using the data in the first back end and second back end described in common recognition proof of algorithm, to existing information
It is reminded, avoids rerecording information, feed back garbled information, to there is false information not to save, and obtaining the data in node
It can not be distorted after common recognition.
In addition, to achieve the above object, the present invention also provides a kind of user's collage-credit data construction device, which includes depositing
Reservoir and processor are stored with the user's collage-credit data construction procedures that can be run on the processor, institute in the memory
It states when user's collage-credit data construction procedures are executed by the processor and realizes following steps:
The first back end is established for each user, the essential information number of the user is generated in first back end
According to library；
The transaction data for obtaining the user in real time from the second back end updates described first according to the transaction data of acquisition
The basic information database of back end；
According to the basic information database, the credit scoring of the user is generated using preset Credit Evaluation Model, it will
The credit scoring of the user is stored in platform database；And
When receiving the loan application of the user, the credit scoring of the user is sent to loan origination side, for described
Assess the corresponding loan origination amount of money of the loan application and interest rate in loan origination side.
Optionally, first back end be block catenary system in back end, the essential information of each user and
Condition of assets constitutes the basic information database of first back end.
Optionally, the essential information includes name, gender, age, kinsfolk's information, and the condition of assets includes family
Front yard assets, can guaranty, credit standing.
Optionally, second back end leads to for the back end in the block catenary system, the transaction of financial institution
Record data constitute the data of financial transaction library of second back end.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
User's collage-credit data construction procedures are stored on storage medium, user's collage-credit data construction procedures can be by one or more
Processor executes, the step of to realize user's collage-credit data construction method as described above.
User's collage-credit data construction method, device and computer readable storage medium user proposed by the present invention carry out business
When insuring, the back end of the user is established, obtains the essential information and condition of assets of user, it is raw in the back end
At the basic information database of the user, and the data of financial transaction of the user is obtained in real time, to update the basic letter of the user
Cease database；The credit scoring of user is generated using preset Credit Evaluation Model according to the basic information database of user,
It is stored in a reference platform database；And when user executes loan application, the credit scoring of the user is sent to
Loan origination side, so that the loan origination side determines the corresponding loan origination amount of money of the loan application and interest rate.The present invention
Provide a kind of credit appraisal mechanism of suitable rural area peasant household.
Detailed description of the invention
Fig. 1 is the flow diagram for user's collage-credit data construction method that one embodiment of the invention provides；
Fig. 2 is the schematic diagram of internal structure for the device that one embodiment of the invention provides；
The module diagram of user's collage-credit data construction procedures in the device that Fig. 3 provides for one embodiment of the invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that described herein, specific examples are only used to explain the present invention, not
For limiting the present invention.Based on the embodiments of the present invention, those of ordinary skill in the art are not before making creative work
Every other embodiment obtained is put, shall fall within the protection scope of the present invention.
The description and claims of this application and term " first ", " second ", " third ", " in above-mentioned attached drawing
The (if present)s such as four " are to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should manage
The data that solution uses in this way are interchangeable under appropriate circumstances, so that the embodiments described herein can be in addition to illustrating herein
Or the sequence other than the content of description is implemented.In addition, the description of " first ", " second " etc. is used for description purposes only, without
It can be interpreted as its relative importance of indication or suggestion or implicitly indicate the quantity of indicated technical characteristic.It defines as a result,
The feature of " first ", " second " can explicitly or implicitly include at least one of the features.
Further, term " includes " and " having " and their any deformation, it is intended that cover non-exclusive packet
Contain, for example, what the process, method, system, product or equipment for containing a series of steps or units were not necessarily limited to be clearly listed
Those step or units, but may include be not clearly listed or it is intrinsic for these process, methods, product or equipment
Other step or units.
It in addition, the technical solution between each embodiment can be combined with each other, but must be with ordinary skill
Based on personnel can be realized, this technical side will be understood that when the combination of technical solution appearance is conflicting or cannot achieve
The combination of case is not present, also not the present invention claims protection scope within.
The present invention provides a kind of user's collage-credit data construction method.
It in detail, is that the process for user's collage-credit data construction method that one embodiment of the invention provides is shown shown in referring to Fig.1
It is intended to.This method can be executed by described device, which can be by software and or hardware realization.
S1: establishing the first back end for each user, and the basic letter of the user is generated in first back end
Cease database.
Present pre-ferred embodiments establish the back end of the user, obtain user's when user commercially insure
Essential information and condition of assets generate the basic information database of the user in the back end.
During the present invention is preferably implemented, the user includes rural area peasant household.
First back end of the present invention is the back end in block catenary system, with each financial institution in local battalion
Industry site is a collection point, and each collection point has corresponding information audit group to carry out just the authenticity of the information of rural area peasant household
Step audit.The essential information of rural area peasant household and condition of assets etc. are introduced into block chain, constitute basic information database.
The essential information includes such as that name, gender, age, kinsfolk's information etc. and the condition of assets include
Such as family assets, can guaranty, credit standing.
The back end refers to the information unit of a rural area peasant household.
The database be come according to data structure tissue, storage and management data foundation on computer memory device
Warehouse.It is the file cabinet that can be considered electronization in itself in simple terms --- the place of storage electronic document, peasant household can be to text
Data in part newly such as are increased, are intercepted, being updated, being deleted at the operation.
The present invention further verifies the authenticities of the data in first back end by algorithm of knowing together, to having letter
Breath is reminded, and avoids rerecording information, feeds back garbled information, to there is false information not to save.Information data is obtaining knowing together it
After can not distort.
The common recognition mechanism is that the mathematics calculation established between different nodes and trust, obtain equity is realized in block catenary system
Method.Common recognition mechanism can substantially be divided into 3 kinds, be respectively as follows:
1.POW (Proof of Work) i.e. proof of work mechanism.Each node provides in whole system for whole system
Computing capability (referred to as calculates power), by a competition mechanism, allows and calculates the reward that most outstanding node acquisition system is completed in work,
Namely complete the distribution of newly-generated currency.
2.POS (Proof of Stake) initially has Sunny King in 2102 in paper PPCoin:Peer-to-
It is proposed in Peer Crypto-Currency with Proof-of-Stake, to hold coin number Zhan total by calculating you for this mechanism
The percentage of coin number occupies the time of coin number including you to determine that you obtain the probability of this book keeping operation right.
The evolution scheme that 3.DPOW (Delegated Proof of Stake) entrusts equity to be proved to be PoS, in routine
In PoW and PoS, a big efficiency place that influences is any one Block being newly added, and requires by all nodes of whole network
It does and confirms.DPoS prioritization scheme is: by different strategies, a small set of node is chosen in not timing, this small set of node is done
Consumption required for block creation and confirmation has thus been greatly reduced in the creation of new block, verifying, signature and mutually supervision
Time and calculate power cost.
S2: obtaining the transaction data of the user from the second back end in real time, according to the update of the transaction data of acquisition
The basic information database of first back end.
In present pre-ferred embodiments, second back end leads to for the back end in the block catenary system, gold
The transaction record data for melting mechanism constitute the data of financial transaction library of second back end.The present invention is from second data
The data of financial transaction library of node obtains the data of financial transaction of the user in real time, and it is opposite to update user place back end
The basic information database answered.
Further, the authenticity that the present invention passes through the data in the second back end described in common recognition proof of algorithm.
In present pre-ferred embodiments, the data of financial transaction includes, but is not limited to, and record of insuring and settle a claim is borrowed
The finance datas such as money refund record.
When events such as user insures, Claims Resolution event and loan repayments, the present invention by each financial institution come
The data of financial transaction is obtained, in real time to update the corresponding database of above-mentioned back end.
It is in new data item or record, replacement data file or database that the data, which update (data revision),
The process of corresponding legacy data item or record.Tables of data is the important object of database, is the substantially single of storing data
Member relates to be inserted into new data into table, and data with existing is modified and deleted after the completion of table structure creation, this is just
It is that data update, " object resource manager " can be used in data update and T-SQL sentence two ways is realized.
The object resource manager be SQL Server Management Studio provide for database engine,
The function of object is managed in Analysis Services, Integration Services and Reporting Services example
Energy.
T-SQL, that is, the Transact-SQL is enhanced edition of the SQL on Microsoft SQL Server, it is to use
Come the dominant language for allowing application program and SQL Server to link up.
S3: according to the basic information database, the credit scoring of the user is generated using preset Credit Evaluation Model,
The credit scoring of the user is stored in platform database.
As described above, including the essential information of user in user basic information database, and record has insuring, managing for user
It pays for, and the record of the events such as loan, refund.Credit Evaluation Model of the present invention is to establish personal basic information database
On the basis of, with the principle of mathematical statistics, find out may influence consumer's future credit risk, value etc. it is various because
Element, and distribute with different weights, and then set up specific mathematical model, and personal credit is believed by computer information technology
The method that breath carries out quantitative evaluation.Credit scoring reflects personal credit standing with a score section, is generally defined as point
More high risk is lower or credit is better for number.
S4: when receiving the loan application of the user, the credit scoring of the user is sent to loan origination side, for institute
It states loan origination side and assesses the corresponding loan origination amount of money of the loan application and interest rate.
In the present invention, loan origination side can share to apply for calling the reference platform data by block chain information
Library.
The present invention carries out information sharing using federation node on block catenary system and other nodes.Wherein, federation node master
It to be government regulators or the financial institutions such as Central Bank, agricultural bank, rural credit cooperative.Central Bank can import current existing reference
System information data, and monitoring data and the operation of block chain whether there is abnormality, prevent the invasion of malicious attacker.Finance
Mechanism introduces block chain after obtaining the information of rural area peasant household or enterprise and carrying out certain verification, by information data.It is each
All realize between a federation node and directly dock, share, exchange data, by the common recognition mechanism of block catenary system automatic running and
Intelligent contract function ensures that information is reliable, non-repetitive situation only when the data of the node and other nodes are consistent
Under, block chain stocking system can be imported, database is formed.The data of importing realize encryption by cryptographic algorithm and cannot
It distorts.When financial institution needs to extract data, inputting set index (such as ID card information) can enter database
Export corresponding information data.It is mainly the ordinary users such as rural area peasant household, enterprise on other nodes, is obtaining the authorization such as financial institution
Personal financial information data in the database can be read later.Participate in block catenary system node it is more, database can
It is stronger by property and safety, on the basis of block catenary system, it can also expand setting permission, data management, information feedback, letter
The multiple functions such as breath update, to establish a more perfect agrarian finance information sharing platform.
The cryptographic algorithm is the mathematical function for encrypting and decrypting, and cryptographic algorithm is the basis of cipher protocol.It is existing
Capable cryptographic algorithm mainly includes stream cipher, block cipher, public key cryptography, hash function etc., for guaranteeing the safety of information,
The service such as identification, integrality, resisting denying is provided.
S5: according to above-mentioned loan application, the repayment record of user is recorded in second back end, updates the use
The basic information database at family.
The present invention also provides a kind of devices of execution user's collage-credit data building.Referring to shown in Fig. 2, implement for the present invention one
The schematic diagram of internal structure for the device that example provides.
In the present embodiment, described device 1 can be the terminal devices such as smart phone, tablet computer, portable computer, can
To be PC (Personal Computer, PC), it is also possible to server, server farm etc..The device 1 at least wraps
Include memory 11, processor 12, communication bus 13 and network interface 14.
Wherein, memory 11 include at least a type of readable storage medium storing program for executing, the readable storage medium storing program for executing include flash memory,
Hard disk, multimedia card, card-type memory (for example, SD or DX memory etc.), magnetic storage, disk, CD etc..Memory 11
It can be the internal storage unit of device 1, such as the hard disk of the device 1 in some embodiments.Memory 11 is in other realities
Apply the plug-in type hard disk being equipped on the External memory equipment for being also possible to device 1 in example, such as device 1, intelligent memory card
(Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Into
One step, memory 11 can also both internal storage units including device 1 or including External memory equipment.Memory 11 is not only
It can be used for storing the application software and Various types of data for being installed on device 1, such as the code of user's collage-credit data construction procedures 01
Deng can be also used for temporarily storing the data that has exported or will export.
Processor 12 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips, the program for being stored in run memory 11
Code or processing data, such as execute user's collage-credit data construction procedures 01 etc..
Communication bus 13 is for realizing the connection communication between these components.
Network interface 14 optionally may include standard wireline interface and wireless interface (such as WI-FI interface), be commonly used in
Communication connection is established between the device 1 and other electronic equipments.
Optionally, which can also include user interface, and user interface may include display (Display), input
Unit such as keyboard (Keyboard), optional user interface can also include standard wireline interface and wireless interface.It is optional
Ground, in some embodiments, display can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display and OLED
(Organic Light-Emitting Diode, Organic Light Emitting Diode) touches device etc..Wherein, display can also be appropriate
Referred to as display screen or display unit, for showing the information handled in the device 1 and for showing visual user interface.
Fig. 2 illustrates only the device 1 with component 11-14 and user's collage-credit data construction procedures 01, art technology
Personnel it is understood that structure shown in fig. 1 not structure twin installation 1 restriction, may include less or more than illustrating
More components perhaps combines certain components or different component layouts.
In 1 embodiment of device shown in Fig. 2, user's collage-credit data construction procedures 01 are stored in memory 11；Processing
Device 12 realizes following steps when executing the user's collage-credit data construction procedures 01 stored in memory 11:
Step 1: establishing the first back end for each user, and the base of the user is generated in first back end
This information database.
Present pre-ferred embodiments establish the back end of the user, obtain user's when user commercially insure
Essential information and condition of assets generate the basic information database of the user in the back end.
During the present invention is preferably implemented, the user includes rural area peasant household.
First back end of the present invention is the back end in block catenary system, with each financial institution in local battalion
Industry site is a collection point, and each collection point has corresponding information audit group to carry out just the authenticity of the information of rural area peasant household
Step audit.The essential information of rural area peasant household and condition of assets etc. are introduced into block chain, constitute basic information database.
The essential information includes such as that name, gender, age, kinsfolk's information etc. and the condition of assets include
Such as family assets, can guaranty, credit standing.
The back end refers to the information unit of a rural area peasant household.
The database be come according to data structure tissue, storage and management data foundation on computer memory device
Warehouse.It is the file cabinet that can be considered electronization in itself in simple terms --- the place of storage electronic document, peasant household can be to text
Data in part newly such as are increased, are intercepted, being updated, being deleted at the operation.
The present invention further verifies the authenticities of the data in first back end by algorithm of knowing together, to having letter
Breath is reminded, and avoids rerecording information, feeds back garbled information, to there is false information not to save.Information data is obtaining knowing together it
After can not distort.
The common recognition mechanism is that the mathematics calculation established between different nodes and trust, obtain equity is realized in block catenary system
Method.Common recognition mechanism can substantially be divided into 3 kinds, be respectively as follows:
1.POW (Proof of Work) i.e. proof of work mechanism.Each node provides in whole system for whole system
Computing capability (referred to as calculates power), by a competition mechanism, allows and calculates the reward that most outstanding node acquisition system is completed in work,
Namely complete the distribution of newly-generated currency.
2.POS (Proof of Stake) initially has Sunny King in 2102 in paper PPCoin:Peer-to-
It is proposed in Peer Crypto-Currency with Proof-of-Stake, to hold coin number Zhan total by calculating you for this mechanism
The percentage of coin number occupies the time of coin number including you to determine that you obtain the probability of this book keeping operation right.
The evolution scheme that 3.DPOW (Delegated Proof of Stake) entrusts equity to be proved to be PoS, in routine
In PoW and PoS, a big efficiency place that influences is any one Block being newly added, and requires by all nodes of whole network
It does and confirms.DPoS prioritization scheme is: by different strategies, a small set of node is chosen in not timing, this small set of node is done
Consumption required for block creation and confirmation has thus been greatly reduced in the creation of new block, verifying, signature and mutually supervision
Time and calculate power cost.
Step 2: obtaining the transaction data of the user from the second back end in real time, is updated according to the transaction data of acquisition
The basic information database of first back end.
In present pre-ferred embodiments, second back end leads to for the back end in the block catenary system, gold
The transaction record data for melting mechanism constitute the data of financial transaction library of second back end.The present invention is from second data
The data of financial transaction library of node obtains the data of financial transaction of the user in real time, and it is opposite to update user place back end
The basic information database answered.
Further, the authenticity that the present invention passes through the data in the second back end described in common recognition proof of algorithm.
In present pre-ferred embodiments, the data of financial transaction includes, but is not limited to, and record of insuring and settle a claim is borrowed
The finance datas such as money refund record.
When events such as user insures, Claims Resolution event and loan repayments, the present invention by each financial institution come
The data of financial transaction is obtained, in real time to update the corresponding database of above-mentioned back end.
It is in new data item or record, replacement data file or database that the data, which update (data revision),
The process of corresponding legacy data item or record.Tables of data is the important object of database, is the substantially single of storing data
Member relates to be inserted into new data into table, and data with existing is modified and deleted after the completion of table structure creation, this is just
It is that data update, " object resource manager " can be used in data update and T-SQL sentence two ways is realized.
The object resource manager be SQL Server Management Studio provide for database engine,
The function of object is managed in Analysis Services, Integration Services and Reporting Services example
Energy.
T-SQL, that is, the Transact-SQL is enhanced edition of the SQL on Microsoft SQL Server, it is to use
Come the dominant language for allowing application program and SQL Server to link up.
Step 3: according to the basic information database, the credit of the user is generated using preset Credit Evaluation Model
Scoring, is stored in platform database for the credit scoring of the user.
As described above, including the essential information of user in user basic information database, and record has insuring, managing for user
It pays for, and the record of the events such as loan, refund.Credit Evaluation Model of the present invention is to establish personal basic information database
On the basis of, with the principle of mathematical statistics, find out may influence consumer's future credit risk, value etc. it is various because
Element, and distribute with different weights, and then set up specific mathematical model, and personal credit is believed by computer information technology
The method that breath carries out quantitative evaluation.Credit scoring reflects personal credit standing with a score section, is generally defined as point
More high risk is lower or credit is better for number.
Step 4: when receiving the loan application of the user, being sent to loan origination side for the credit scoring of the user,
The corresponding loan origination amount of money of the loan application and interest rate are assessed for the loan origination side.
In the present invention, loan origination side can share to apply for calling the reference platform data by block chain information
Library.
The present invention carries out information sharing using federation node on block catenary system and other nodes.Wherein, federation node master
It to be government regulators or the financial institutions such as Central Bank, agricultural bank, rural credit cooperative.Central Bank can import current existing reference
System information data, and monitoring data and the operation of block chain whether there is abnormality, prevent the invasion of malicious attacker.Finance
Mechanism introduces block chain after obtaining the information of rural area peasant household or enterprise and carrying out certain verification, by information data.It is each
All realize between a federation node and directly dock, share, exchange data, by the common recognition mechanism of block catenary system automatic running and
Intelligent contract function ensures that information is reliable, non-repetitive situation only when the data of the node and other nodes are consistent
Under, block chain stocking system can be imported, database is formed.The data of importing realize encryption by cryptographic algorithm and cannot
It distorts.When financial institution needs to extract data, inputting set index (such as ID card information) can enter database
Export corresponding information data.It is mainly the ordinary users such as rural area peasant household, enterprise on other nodes, is obtaining the authorization such as financial institution
Personal financial information data in the database can be read later.Participate in block catenary system node it is more, database can
It is stronger by property and safety, on the basis of block catenary system, it can also expand setting permission, data management, information feedback, letter
The multiple functions such as breath update, to establish a more perfect agrarian finance information sharing platform.
The cryptographic algorithm is the mathematical function for encrypting and decrypting, and cryptographic algorithm is the basis of cipher protocol.It is existing
Capable cryptographic algorithm mainly includes stream cipher, block cipher, public key cryptography, hash function etc., for guaranteeing the safety of information,
The service such as identification, integrality, resisting denying is provided.
Step 5: according to above-mentioned loan application, the repayment record of user is recorded in the data of financial transaction library, more
The basic information database of the new user.
Optionally, in embodiments of the present invention, user's collage-credit data construction procedures 01 can also be divided into one
Or multiple modules, one or more module are stored in memory 11, and by one or more processors (the present embodiment
For processor 12) it is performed to complete the present invention, the so-called module of the present invention is a series of meters for referring to complete specific function
Calculation machine program instruction section, for describing the implementation procedure of user's collage-credit data construction procedures in said device.
It is the program mould of user's collage-credit data construction procedures in one embodiment of apparatus of the present invention for example, referring to shown in Fig. 3
Block schematic diagram, in the embodiment, user's collage-credit data construction procedures 01 can be divided into data maintenance module 10, credit appraisal
Module 20 and information sharing module 30, illustratively:
The data maintenance module 10 is used for: the first back end is established for each user, in first back end
The middle basic information database for generating the user, and obtain from the second back end the transaction data of the user in real time, according to obtaining
The transaction data taken updates the basic information database of first back end.
First back end is the back end in block catenary system, the essential information and condition of assets of each user
Constitute the basic information database of first back end.Wherein, the essential information includes name, gender, age, family
Information about firms, the condition of assets includes family assets, can guaranty, credit standing.
Second back end leads to for the back end in the block catenary system, the transaction record data of financial institution
Constitute the data of financial transaction library of second back end.
Wherein, first back end is verified with the data in second back end by algorithm of knowing together.
The credit appraisal module 20 is used for: according to the basic information database, using preset Credit Evaluation Model
The credit scoring of the user is stored in platform database by the credit scoring for generating the user.
Credit Evaluation Model of the present invention is on the basis of establishing personal basic information database, with mathematical statistics
Principle is found out the various factors that may influence consumer's future credit risk, value, and is distributed with different weights, in turn
Set up specific mathematical model, and the method that quantitative evaluation is carried out to personal credit information by computer information technology.
The information sharing module 30 is used for: when receiving the loan application of the user, by the credit scoring of the user
It is sent to loan origination side, assesses the corresponding loan origination amount of money of the loan application and interest rate for the loan origination side.
The program modules such as above-mentioned data maintenance module 10, credit appraisal module 20 and information sharing module 30 are performed institute
Functions or operations step and above-described embodiment of realization are substantially the same, and details are not described herein.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with user's collage-credit data construction procedures, user's collage-credit data construction procedures can be held by one or more processors
Row, to realize following operation:
The first back end is established for each user, the essential information number of the user is generated in first back end
According to library；
The transaction data for obtaining the user in real time from the second back end updates described first according to the transaction data of acquisition
The basic information database of back end；
According to the basic information database, the credit scoring of the user is generated using preset Credit Evaluation Model, it will
The credit scoring of the user is stored in platform database；And
When receiving the loan application of the user, the credit scoring of the user is sent to loan origination side, for described
Assess the corresponding loan origination amount of money of the loan application and interest rate in loan origination side.
Computer readable storage medium specific embodiment of the present invention and above-mentioned user's collage-credit data construction device and method
Each embodiment is essentially identical, does not make tired state herein.
It should be noted that the serial number of the above embodiments of the invention is only for description, do not represent the advantages or disadvantages of the embodiments.And
The terms "include", "comprise" herein or any other variant thereof is intended to cover non-exclusive inclusion, so that packet
Process, device, article or the method for including a series of elements not only include those elements, but also including being not explicitly listed
Other element, or further include for this process, device, article or the intrinsic element of method.Do not limiting more
In the case where, the element that is limited by sentence "including a ...", it is not excluded that including process, device, the article of the element
Or there is also other identical elements in method.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of user's collage-credit data construction method, which is characterized in that the described method includes:
The first back end is established for each user, the essential information data of the user are generated in first back end
Library；
The transaction data for obtaining the user in real time from the second back end updates first data according to the transaction data of acquisition
The basic information database of node；
According to the basic information database, the credit scoring of the user is generated using preset Credit Evaluation Model, by the use
The credit scoring at family is stored in platform database；And
When receiving the loan application of the user, the credit scoring of the user is sent to loan origination side, for the loan
Issuer assesses the corresponding loan origination amount of money of the loan application and interest rate.
2. user's collage-credit data construction method as described in claim 1, which is characterized in that first back end is block
Back end in catenary system, the essential information and condition of assets of each user constitute the essential information of first back end
Database.
3. user's collage-credit data construction method as claimed in claim 2, which is characterized in that the essential information includes user's
Name, gender, age, kinsfolk's information, the condition of assets includes family assets, can guaranty, credit standing.
4. user's collage-credit data construction method as claimed in claim 2, which is characterized in that second back end leads to for institute
The back end in block catenary system is stated, the transaction record data of financial institution constitute the financial transaction of second back end
Database.
5. user's collage-credit data construction method as described in any one of Claims 1-4, which is characterized in that the method
Further include:
Using the data in the first back end and second back end described in common recognition proof of algorithm, existing information is carried out
It reminds, avoids rerecording information, feed back garbled information, to there is false information not to save, and the data in node is made to be known together
It can not distort later.
6. a kind of user's collage-credit data construction device, which is characterized in that described device includes memory and processor, the storage
The user's collage-credit data construction procedures that can be run on the processor, user's collage-credit data construction procedures are stored on device
Following steps are realized when being executed by the processor:
The first back end is established for each user, the essential information data of the user are generated in first back end
Library；
The transaction data for obtaining the user in real time from the second back end updates first data according to the transaction data of acquisition
The basic information database of node；
According to the basic information database, the credit scoring of the user is generated using preset Credit Evaluation Model, by the use
The credit scoring at family is stored in platform database；And
When receiving the loan application of the user, the credit scoring of the user is sent to loan origination side, for the loan
Issuer assesses the corresponding loan origination amount of money of the loan application and interest rate.
7. user's collage-credit data construction device as claimed in claim 6, which is characterized in that first back end is block
Back end in catenary system, the essential information and condition of assets of each user constitute the essential information of first back end
Database.
8. user's collage-credit data construction device as claimed in claim 7, which is characterized in that the essential information includes user's
Name, gender, age, kinsfolk's information, the condition of assets includes family assets, can guaranty, credit standing.
9. user's collage-credit data construction device as claimed in claim 7, which is characterized in that second back end leads to for institute
The back end in block catenary system is stated, the transaction record data of financial institution constitute the financial transaction of second back end
Database.
10. a kind of computer readable storage medium, which is characterized in that be stored with user's sign on the computer readable storage medium
Letter data construction procedures, user's collage-credit data construction procedures can be executed by one or more processor, to realize as weighed
Benefit require any one of 1 to 5 described in user's collage-credit data construction method the step of.
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| CN111127144A (en) * | 2019-12-16 | 2020-05-08 | 中国联合网络通信集团有限公司 | User credit evaluation method, device and storage medium |
| CN111415248A (en) * | 2020-04-25 | 2020-07-14 | 中信银行股份有限公司 | Credit data management method, device, equipment and storage medium |
| CN111429271A (en) * | 2020-04-24 | 2020-07-17 | 上海玳鸽信息技术有限公司 | Service management method and system based on block chain |
| CN111598681A (en) * | 2020-04-30 | 2020-08-28 | 深圳前海星际同辉科技有限公司 | Credit evaluation method, credit evaluation system and readable storage medium |
| CN111738845A (en) * | 2020-07-23 | 2020-10-02 | 北京淇瑀信息科技有限公司 | Resource return increase ratio determination method and device and electronic equipment |
| CN112862602A (en) * | 2021-03-29 | 2021-05-28 | 中信银行股份有限公司 | User request determining method, storage medium and electronic device |
| CN112907358A (en) * | 2021-03-17 | 2021-06-04 | 平安消费金融有限公司 | Loan user credit scoring method, loan user credit scoring device, computer equipment and storage medium |
| CN113034120A (en) * | 2020-12-09 | 2021-06-25 | 电子科技大学 | Block chain-based mortgage evaluation method |
| CN113822677A (en) * | 2021-11-03 | 2021-12-21 | 北京微芯区块链与边缘计算研究院 | Personal credit investigation system and method based on distributed digital identity technology |
| CN114418726A (en) * | 2021-12-01 | 2022-04-29 | 深圳市银之杰科技股份有限公司 | Credit investigation data stream processing method |
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| CN114418726A (en) * | 2021-12-01 | 2022-04-29 | 深圳市银之杰科技股份有限公司 | Credit investigation data stream processing method |
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