CN101576988A - Credit data interactive system and interactive method - Google Patents
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- CN101576988A CN101576988A CNA2009101394669A CN200910139466A CN101576988A CN 101576988 A CN101576988 A CN 101576988A CN A2009101394669 A CNA2009101394669 A CN A2009101394669A CN 200910139466 A CN200910139466 A CN 200910139466A CN 101576988 A CN101576988 A CN 101576988A
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Abstract
The application provides a credit data interactive system and an interactive method; the credit data interactive system comprises an information acquisition module, a data processing module, a database, an information computation module and an interactive module. The information acquisition module is used for acquiring related information of network users through the network in an active or passive manner. The data processing module is used for classifying the acquired data and storing by using uniform format. The database is used for storing the processed data. The information computation module is used for scoring the data according to the set rule, and aggregating to obtain the score values of credit ratings of each network user. The interactive module is used for displaying credit reports on the network. The application can comprehensively and precisely calculate the credit ratings of each network user, and displays the credit ratings on the network, thus being convenient for reference.
Description
Technical field
The application relates to a kind of data Collection ﹠ Processing System and method, particularly a kind of credit data interactive system and exchange method that is applied to e-commerce field.
Background technology
Along with the more and more wider of face popularized in the fast development and the internet of science and technology, huge variation is all taking place in transaction between the enterprise and interpersonal exchange way.For example traditional approach to cooperation is to enter into negotiations face to face mostly, the two sides concerned interchange that can negotiate Face to face, the information that can inquire various the other side with knowing the background.But along with The rise of electronic commerce, traditional approach to cooperation can not adapt to fast changing social environment, and people need quicker approach to cooperation more easily, and network trading becomes an important ingredient of entire society's economy already.
For strange two enterprises or individual, at the beginning of setting up cooperative relationship, must need to understand the other side's credit situation.Yet, the particular surroundings of network trading has been limited to the further interchange of the two sides concerned, the two sides concerned perhaps is in different regions, different countries, perhaps a certain side only just collected the product information that the opposing party issues on network, credit therefore how to understand the other side has become an important topic of network trading.
For this reason, some enterprises have released the credit standard that is applicable to network cooperation.For example in the Taobao of group of Alibaba, after registration storekeeper and buyer's Transaction Success, the buyer can be the evaluation of giving a mark of this transaction situation, therefore successfully sell commodity and just can accumulate certain credit rating when the storekeeper is every, and it is opposite, if it is dissatisfied that the buyer couple and storekeeper conclude the business, can give the lower evaluation of this storekeeper, make the certain credit rating of its reduction.Thereby the storekeeper in the process of transaction just accumulation played own transaction credit degree, make other buyers when browsing the commodity that this storekeeper sells, can see storekeeper's transaction credit degree, as the reference that determines whether to buy its commodity.And for example the individual is after bank handles credit card, if when overdraw is not refunded after the overshoot time limit yet, just the promise breaking record can be arranged in the credit investigation system of Central Bank.When applying for the credit card of other bank, bank can determine whether ratifying its application with reference to its historical record.
If therefore the network cooperation both sides before transaction or cooperation separate the other side's credit rating, can reduce the possibility of promise breaking, also can ensure both sides' rights and interests, but existing credit is set up system and imperfection, still there are problems in it, now concludes following defective:
1, the credit data of existing credit data disposal system can not be realized data sharing between different system or different institutions.Because traditional credit data disposal system normally is some mechanisms, perhaps a certain class mechanism and special set up, these tissues are according to the actual needs of oneself, and customization belongs to the credit data disposal system of this mechanism and normally separate each other (the credit value management system as Taobao can only be used in the Taobao).And existing a large amount of service provider who is full of individual character (comprising enterprise or nature person) in the network, wherein a lot of service providers have strong demand to credit data.But it is unpractical requiring all enterprises that need credit data or nature person all to set up one's own credit data system voluntarily, and such duplicate construction work is that resource is wasted greatly.So, be starved of sharing of credit data, but existing credit data disposal system but can't realize this point in e-commerce field.
2, for existing credit data disposal system (as the individual of Central Bank credit investigation system), it only can write down the nature person the transaction situation in single mechanism or single field (can only write down some behaviors in financial institution of nature person or enterprise as credit investigation system), can't get access to the behavioural information (can only write down some behaviors of nature person or enterprise as credit investigation system, and can't obtain behavior) in other field in other field in financial institution.And check that record needs related side's mandate or approval.For common enterprises and institutions or individual, in sight if non-honest record then is not easy, considerable influence the authenticity of credit data.
Summary of the invention
The application's purpose provides a kind of credit data interactive system, and is narrow to solve existing network user credit data acquisition scope, the publicity defect of insufficient.
Another purpose of the application provides a kind of credit data interactive method, and is narrow to solve existing network user credit data acquisition scope, the publicity defect of insufficient.
The application proposes a kind of credit data interactive system, is used to the network user to evaluate credit rating, comprises information acquisition module, data processing module, database, credit computing module and interactive module.Information acquisition module is connected to each information source platform by network, is used for by network with initiatively or passive form collection network user's relevant information.Data processing module links to each other with described information acquisition module, is used for the data that described information acquisition module collects are classified, and adopts unified format to store.Database links to each other with described data processing module, is used to deposit the data after described data processing module is handled.The credit computing module links to each other with described database, is used for the data of described database are given a mark according to the rule of setting, and gathers the score value that obtains representing each network user's credit rating.Interactive module links to each other with described credit computing module and network respectively, is used for showing on network the credit report of each network user's credit rating of expression.
According to the described credit data interactive system of the application's preferred embodiment, it also comprises the Information Authentication module, is used for the network user's that collects information is carried out verification, evidence, survey puppet, to guarantee the accuracy of data.
According to the described credit data interactive system of the application's preferred embodiment, described database comprises personal information storage unit, company information storage unit and website data storage unit, the personal information storage unit is used to deposit through the sorted personal information of described data processing module, the company information storage unit is used to deposit through the sorted company information of described data processing module, and the website data storage unit is used to deposit through the sorted website of described data processing module Transaction Information.
According to the described credit data interactive system of the application's preferred embodiment, described credit computing module comprises personal information computing unit, company information computing unit and website data computing unit, the personal information computing unit is used for according to the rule of setting personal information being given a mark, the company information computing unit is used for according to the rule of setting company information being given a mark, and the website data computing unit is used for according to the rule of setting the related data of website transaction being given a mark.
According to the described credit data interactive system of the application's preferred embodiment, described database comprises static storage cell and dynamic storage cell, described static storage cell is used to store enterprise and individual changeless information data, and described dynamic storage cell is used to store enterprise and the individual information data that changes in time.
According to the described credit data interactive system of the application's preferred embodiment, described credit computing module comprises static information computing unit and multidate information computing unit, described static information computing unit is used to calculate the credit score value of enterprise and individual static information, and described multidate information computing unit is used to calculate the credit score value of enterprise and individual multidate information.
According to the described credit data interactive system of the application's preferred embodiment, described credit computing module comprises that threshold values is provided with the unit, and it is used to the network user's credit score value that mxm. and minimum are set.
The application proposes a kind of credit data interactive method in addition, is used to network evaluation credit rating, may further comprise the steps:
Gather the relevant information of the network user on each correlated source information platform with active or passive form by network;
The data that collect are classified, and adopt unified format to store;
The data that store are given a mark according to the rule of setting, and gather the score value that obtains representing each network user's credit rating;
The credit report of on network, showing each network user of expression.
According to the described credit data interactive method of the application's preferred embodiment, also comprise step after collecting the network user's relevant information: the information to the network user that collects is carried out verification, evidence, survey puppet, to guarantee the accuracy of data.
According to the described credit data interactive method of the application's preferred embodiment, the information that collects is carried out verification be specially: the information that collects is carried out unified planning, remove the field of format error.
According to the described credit data interactive method of the application's preferred embodiment, the information that collects proved be specially: will analyze, check from same the data that the different network platforms, enterprise servers or individual client's end collect, judge whether in full accord, and to different pieces of information logical relation such as inherent finance, operation set up formula, and verify immediately.
According to the described credit data interactive method of the application's preferred embodiment, the information that collects is surveyed puppet is specially: to the key message that collects in a different manner or block gather and the checking possibility that whether has mistake or deliberately fake respectively.
According to the described credit data interactive method of the application's preferred embodiment, the data that collect are classified to be specially: the data that collect are classified according to the classification of personal data, business data, network trading data.
According to the described credit data interactive method of the application's preferred embodiment, the data that collect are classified to be specially: the data that collect are classified according to the classification of static data and dynamic data.
According to the described credit data interactive method of the application's preferred embodiment, the data that store are given a mark according to the rule of setting, and gather and obtain representing that the score value of each enterprise or personal credit degree is specially: the personal data in the data that store, business data, network trading data are given a mark according to the rule of setting respectively, and gather the score value that obtains representing each enterprise or personal credit degree.
According to the described credit data interactive method of the application's preferred embodiment, the data that store are given a mark according to the rule of setting, and gather and obtain representing that the score value of each network user's credit rating is specially: static data in the data that store and dynamic data are given a mark according to the rule of setting, and gather the score value that obtains representing each network user's credit rating.
Compared with prior art, the application comprises following advantage:
1, the application is by running through a plurality of information source platforms on the network, collection network user's relevant information all sidedly, and the network user's credit rating made real marking, thereby the application's credit data interactive system can be realized sharing on network, therefore the management system that need not all build one's credit respectively on each information source platform can save a large amount of hardware and the construction cost of software.
2, the application's credit data interactive system can be made real marking to the network user's credit rating, provides foundation for setting up cooperative relationship between the network user.Therefore, when the credit of the uncertain cooperation object of the network user, the prestige of the system's object of identification cooperation faster and more accurately by utilizing the application is grasped transaction better, guarantees network trading both sides' rights and interests.
3, in network, so the network user can understand other network users' information to the application easily with the credit report show-and-tell of enterprise.For the enterprise that runs well, more can be intuitively self prestige be embodied in the mode of numerical value, make partner can understand the credit standing of enterprise exactly, help the marketing and the development of enterprise.
Certainly, arbitrary product of enforcement the application might not need to reach simultaneously above-described all advantages.
Description of drawings
Fig. 1 is the johning knot composition of a kind of credit data interactive system in network of the embodiment of the present application;
Fig. 2 is the johning knot composition of another kind of credit data interactive system in network of the embodiment of the present application;
Fig. 3 is a kind of credit data interactive system structural drawing of the embodiment of the present application;
Fig. 4 is a kind of database structure figure of the embodiment of the present application;
Fig. 5 is the another kind of database structure figure of the embodiment of the present application;
Fig. 6 is a kind of credit computing module structural drawing of the embodiment of the present application;
Fig. 7 is the another kind of credit computing module structural drawing of the embodiment of the present application;
Fig. 8 is another credit computing module structural drawing of the embodiment of the present application;
Fig. 9 is the another kind of credit data interactive system structural drawing of the embodiment of the present application;
Figure 10 is a kind of credit data interactive method flow diagram of the embodiment of the present application;
Figure 11 is the another kind of credit data interactive method flow diagram of the embodiment of the present application.
Embodiment
The application's principle mainly comprises: set up a credit data interactive system that runs through each network platform, each organization web, and by collecting the relevant information of coming from each network platform, each organization web, calculate enterprise and individual's credit rating with predefined computation rule, and on network, announce.Like this, the two sides concerned just can be understood the other side's credit rating by the credit data interactive system of searching the application before establishing cooperative relationship, to guarantee cooperation rights and interests separately.
Below in conjunction with accompanying drawing, specify the application.
See also Fig. 1, it is the johning knot composition of a kind of credit data interactive system in network of the embodiment of the present application.Credit data interactive system 101 links to each other with a plurality of information source platforms 103 by network, and information source platform 103 can be the server of various online trade platforms, various mechanism or enterprise and individual's client etc.Information source platform 103 is provided with the corresponding communication interface and credit data interactive system 101 communicates, thereby credit data interactive system 101 can collect needed data on the information source platform 103 in real time, and according to gathering the credit value that these data of coming calculate enterprise or individual.
Credit data interactive system 101 can be set up (shown in Figure 1) separately, also can be arranged in the various Platform Servers, as shown in Figure 2, credit data interactive system 101 is arranged in the platform 202, and platform 202 can be as E-commerce transaction platforms such as Taobao, Neteases.Credit data interactive system 101 can utilize needed information on the data transmission channel Information Monitoring source platform 103 between platform 202 and each the information source platform 103, and the credit value of registered user in the platform 202 is calculated.When other user concludes the business by network browsing platform 202 and the registered user with platform 202 of having a mind, can understand registered user's credit rating earlier by credit data interactive system 101, whether decision concludes the business with the seller again, so can guarantee buyer's rights and interests, improve the success ratio of transaction.
Come to introduce in detail the structure and the course of work of the application's credit data interactive system 101 below, as shown in Figure 3, it is a kind of credit data interactive system structural drawing of the embodiment of the present application, and it comprises information acquisition module 303, data processing module 305, database 307, credit computing module 309 and interactive module 311.Information acquisition module 303 links to each other with network, and it is used for gathering with active or passive form by network enterprise or individual's relevant information.Information acquisition module 303 is various interface equipment normally.Acquisition mode initiatively is meant the request that information acquisition module 303 obtains to information source platform 103 transmission information, information source platform 103 is according to the information acquisition request of receiving, the related data that is stored in the database is separately sent to information acquisition module 303 by network.Passive acquisition mode refers to that information source platform 103 initiatively sends to information acquisition module 303 with the enterprise and the individual related data of storing in its database, and obtains needed data by information acquisition module 303 screenings.
For example with the class discrimination of dynamic data and static data, can be with the information classification of individual on certain information source platform 103:
A, individual static data: 1, individual self attributes comprises name, post, sex, age, education background, work experience, the entire period of actual operation etc.2, individual contact method comprises fixedly family and company's telephone number, personal mobile phone number, E-mail address etc.
B, individual dynamic data: 1, community's behavior, refer to corporate boss, the behavior of individual on information source platform 103, comprise edition owner's identity, post and count, send out blog number etc.2, relational network is as merchant friend number, IM (Instant Message, instant messaging) good friend number, blog intimate number, circle good friend number and other relational network of individual on information source platform 103.
After data processing module 305 finishes above-mentioned data qualification, just form corresponding tables of data and be stored in the database 307, the data tableau format can be as shown in table 1:
| Index ID | Member ID | Name | Field type | Field name | Data value | … | … |
| A1 | ABC | A | Static | Name | A | ||
| B2 | 221 | B | Static | Name | B | ||
| B3 | ABC | A | Static | Age | 25 | ||
| A4 | 221 | B | Static | The entire period of actual operation | 5 | ||
| A5 | ABC | A | Dynamically | Login times weekly | 5 | ||
| C1 | 221 | B | Dynamically | Every month transaction count | 2 | ||
| C2 | ABC | A | Dynamically | Communication data amount weekly | XXX | ||
| … |
Table 1
It should be noted that every data all have its " index ID " in the table 1, be convenient to follow-up data query.In addition, a kind of form when table 1 only is data storage does not limit the application with this, and actual format is as the criterion with the setting of database 307.
When the credit value of credit computing module 309 computational datas, its every data that can access from database 307 are all given weighted value, the size of weighted value is set the importance of business standing degree according to this information, and its marking rule as credit computing module 309 comes the credit value of data is calculated.
With " field name " in the table 1 is that " login times weekly " is example, if the data value of these data is greater than 1 (being that user A logined weekly 1 time at least), just then credit computing module 309 is given a positive weighted value for this information.If but the data value of these data is 0 (be the user the last week do not login), just then credit computing module 309 is given a negative weighted value for this information, perhaps with its weighted value zero clearing.And for example be the data instance of " every month transaction count ", if the data value of these data is greater than 1 (expression user B finished at least 1 transaction this moon), just then credit computing module 309 is given a positive weighted value for this information with " field name ".If the data value of these data equals 0, just then credit computing module 309 is given a negative weighted value for this information.By that analogy, after the data that user A and user B is all were all given weighted value, credit computing module 309 was done additive operation with the weighted value of all data again, obtains the credit value of user A and user B at last.
According to the type of data, credit computing module 309 can be divided into a plurality of computing units, calculates the score value of different types of data respectively, and then gathers and obtain total credit score value.As shown in Figure 6, this credit computing module 309 comprises personal information computing unit 603, company information computing unit 605 and website data computing unit 607, personal information computing unit 603 is used for according to the rule of setting personal information being given a mark, company information computing unit 605 is used for according to the rule of setting company information being given a mark, and website data computing unit 607 is used for according to the rule of setting the related data of website transaction being given a mark.And for example shown in Figure 7, credit computing module 309 comprises static information computing unit 703 and multidate information computing unit 705 again, described static information computing unit 703 is used to calculate the credit score value of enterprise and individual static information, and described multidate information computing unit 705 is used to calculate the credit score value of enterprise and individual multidate information.
Calculate enterprise and individual's credit score value when credit computing module 309 after, just credit value is transferred to interactive module 311.Credit computing module 309 forms credit report according to the credit score value that obtains, comprise at least in this credit report enterprise name or individual name with and corresponding credit value.
It should be noted that interactive module 311 has a dual mode when showing enterprise and individual's credit report on network: active mode and passive mode.Active mode is at first to send the credit report query requests by the network user to interactive module 311, interactive module 311 is transferred to credit computing module 309 with request content, and after corresponding enterprise or personal credit value calculated, initiatively the needed credit report of the network user is sent to the network user by interactive module 311 again, the credit report that the network user obtains in this way has real-time.Passive mode is meant sets up a credit report storage unit in interactive module 311, the credit report of its formation is all left in wherein, when the network user needs inquiring enterprise or individual's credit rating, can access corresponding credit report from its credit report storage unit, the network user can inquire about its credit report that needs in this way apace.
When calculating some enterprises or individual's credit value, may therefore be necessary the credit value of enterprise is set a threshold values scope owing to the too much or very few too high or too low situation of credit value that occurs of its online quantity of information.As shown in Figure 8, this credit computing module 309 comprises that threshold values is provided with unit 903, and it is used to enterprise and individual's credit score value that mxm. and minimum are set.When if the member that credit is set up interactive system 101 is divided into free member with the charge member, also can by threshold values be provided with the 903 couples of free members in unit with the charge member the credit value upper and lower bound be provided with, feasible charge member's credit value is member's height freely, and the member can enjoy more service thereby order is charged.
See also Fig. 9, it is the another kind of credit data interactive system structural drawing of the embodiment of the present application.This credit data interactive system 1001 has also increased Information Authentication module 1004 on the basis of the credit data interactive system 101 of Fig. 3.Information Authentication module 1004 is used for all enterprises that collect are carried out verification, evidence, survey puppet with individual's information, to guarantee the accuracy of data.Data are carried out verification be meant when data enter system, all fields are planned, prevent that form from having the data of apparent error to enter system.Supposing the system need can be filled in by enterprise self-determining company ABC's data checking (as financial data), the tax system distich, and enterprise uses the multiple support channels such as data extract of financial software that some data or a data set are verified and verification.Data are proved same data that are meant gathering on the different aforementioned sources platform 103 analyze, check, judge whether in full accord, and to different pieces of information logical relations such as inherent finance, operation set up formula, and carry out instant checking.To data survey puppet be meant with some key message in a different manner or block gather respectively, whether wrong or intentional fraud may with checking.When system submitted its some index of filling in to, system according to fill in the time or fill in sequential scheduling and be divided into different blocks, contrasted the average of other enterprise's fill indicators with the content of its submission, sees whether have problems as enterprise servers.
The application also proposes a kind of credit data interactive method, is used to enterprise and individual evaluation credit rating, and on network show-and-tell enterprise and individual's credit rating, as shown in figure 10, it may further comprise the steps:
S1101 gathers enterprise and individual relevant information on each information source platform by network with active or passive form.The information source platform can be the server of various online trade platforms, various mechanism or enterprise and individual's client etc.Acquisition mode initiatively is meant initiatively visits relevant information source platform or website, and collects the data that need, and this process also can be finished by manually-operated.Passive acquisition mode refers to that the information source platform initiatively submits needed data to.
S1103 classifies the data that collect, and adopts unified format to store.The mode of classification can be diversified, classifies with data easy to handle standard, as data being divided into personal data, business data and website transaction data.Perhaps also can be divided into static data and dynamic data, static data is meant the information data that enterprise and individual immobilize or can not change within a certain period of time, and dynamic data is meant the information data that enterprise and individual frequently change in time.
S1105 gives a mark the data that store, and gathers the score value that obtains representing each enterprise or personal credit degree according to the rule of setting.Rule can be set according to actual needs, as according to the importance to enterprise or personal credit different pieces of information being provided with different weight branches, gathering after the weight that calculates all data is divided again and obtains total credit score value.It is main that computation rule can be followed plus-minus method usually, and multiplication is auxilliary rule.
S1107, the credit report of on network, showing each enterprise of expression or personal credit degree.In order to safeguard credit owner's information security, credit report can adopt show-and-tell or authorize the displaying dual mode to announce on network.
See also Figure 11, it is the another kind of credit data interactive method flow diagram of the embodiment of the present application, and it may further comprise the steps:
S1201 gathers the relevant information that each related platform, enterprise servers and individual client hold enterprise and individual by network with active or passive form.
S1203 carries out verification, evidence, survey puppet to all enterprises and individual's the information that collect, to guarantee the accuracy of data.
Verification is meant that the information that collects is carried out verification to be meant the information that collects is carried out unified planning, removes the field of format error.Evidence is meant to be analyzed same data that collect from the different network platforms, enterprise servers or individual client's end, check, judge whether in full accord, and to different pieces of information logical relation such as inherent finance, operation set up formula, and verify immediately.Survey pseudo-be meant to the key message that collects in a different manner or block gather and the checking possibility that whether has mistake or deliberately fake respectively.
S1205 classifies the data that collect, and adopts unified format to store.
S1207 gives a mark the data that store, and gathers the score value that obtains representing each enterprise or personal credit degree according to the rule of setting.
S1209, the credit report of on network, showing each enterprise of expression or personal credit degree.
Compared with prior art, the application comprises following advantage:
1, the application gathers enterprise or individual's relevant information all sidedly by running through a plurality of information source platforms on the network, thereby can make marking accurately to enterprise or individual's credit rating.Therefore, when the credit of the uncertain cooperation object of the network user, the prestige of the system's object of identification cooperation faster and more accurately by utilizing the application is grasped transaction better, guarantees network cooperation both sides' rights and interests.
2, the application in network, therefore makes partner can understand the information of enterprise easily the credit report show-and-tell of enterprise.For the enterprise that runs well, can be intuitively self prestige be embodied in the mode of numerical value, make partner can understand the credit standing of enterprise exactly, help the marketing and the development of enterprise.
Certainly, arbitrary product of enforcement the application might not need to reach simultaneously above-described all advantages.
More than disclosed only be several specific embodiments of the application, but the application is not limited thereto, any those skilled in the art can think variation, all should drop in the application's the protection domain.
Claims (18)
1, a kind of credit data interactive system is used to the network user to evaluate credit rating, it is characterized in that, comprising:
One information acquisition module, it is connected to each information source platform by network, is used for by network with initiatively or passive form collection network user's relevant information;
One data processing module links to each other with described information acquisition module, is used for the data that described information acquisition module collects are classified, and adopts unified format to store;
One database links to each other with described data processing module, is used to deposit the data after described data processing module is handled;
One credit computing module links to each other with described database, is used for the data of described database are given a mark according to the rule of setting, and gathers the score value that obtains representing each network user's credit rating.
2, credit data interactive system as claimed in claim 1 is characterized in that, also comprises:
One interactive module links to each other with described credit computing module and network respectively, is used for showing on network the credit report of each network user's credit rating of expression.
3, credit data interactive system as claimed in claim 1 or 2, it is characterized in that it also comprises an Information Authentication module, it links to each other with described information acquisition module, be used for the network user's that collects information is carried out verification, evidence, survey puppet, to guarantee the accuracy of data.
4, credit data interactive system as claimed in claim 1, it is characterized in that, described database comprises the personal information storage unit, company information storage unit and website data storage unit, described personal information storage unit, company information storage unit and website data storage unit all link to each other with described data processing module, the personal information storage unit is used to deposit through the sorted personal information of described data processing module, the company information storage unit is used to deposit through the sorted company information of described data processing module, and the website data storage unit is used to deposit through the sorted website of described data processing module Transaction Information.
5, credit data interactive system as claimed in claim 1, it is characterized in that, described credit computing module comprises the personal information computing unit, company information computing unit and website data computing unit, described personal information computing unit, company information computing unit and website data computing unit all link to each other with described information acquisition module, the personal information computing unit is used for according to the rule of setting personal information being given a mark, the company information computing unit is used for according to the rule of setting company information being given a mark, and the website data computing unit is used for according to the rule of setting the related data of website transaction being given a mark.
6, credit data interactive system as claimed in claim 1, it is characterized in that, described database comprises static storage cell and dynamic storage cell, described static storage cell and dynamic storage cell all link to each other with described data processing module, described static storage cell is used for the changeless information data of storage networking user, and described dynamic storage cell is used for the information data that the storage networking user changes in time.
7, credit data interactive system as claimed in claim 1, it is characterized in that, described credit computing module comprises static information computing unit and multidate information computing unit, described static information computing unit and multidate information computing unit all link to each other with described information acquisition module, described static information computing unit is used for the credit score value of computational grid user static information, and described multidate information computing unit is used for the credit score value of computational grid user multidate information.
8, credit data interactive system as claimed in claim 1 is characterized in that, described credit computing module comprises that threshold values is provided with the unit, and it is used to the network user's credit score value that mxm. and minimum are set.
9, a kind of credit data interactive method is used to the network user to evaluate credit rating, it is characterized in that, may further comprise the steps:
Gather the relevant information of the network user on each information source platform with active or passive form by network;
The data that collect are classified, and adopt unified format to store;
The data that store are given a mark according to the rule of setting, and gather the score value that obtains representing each network user's credit rating.
10, credit data interactive method as claimed in claim 9 is characterized in that, described method also comprises: the credit report of showing expression network user credit rating on network.
11, as claim 9 or 10 described credit data interactive methods, it is characterized in that, also comprise step after collecting the network user's relevant information: the information to the network user that collects is carried out verification, evidence, survey puppet, to guarantee the accuracy of data.
12, credit data interactive method as claimed in claim 11 is characterized in that, the information that collects is carried out verification be specially: the information that collects is carried out unified planning, remove the field of format error.
13, credit data interactive method as claimed in claim 11, it is characterized in that, the information that collects proved be specially: will analyze, check from same the data that the different network platforms, enterprise servers or individual client's end collect, judge whether in full accord, and to different pieces of information logical relation such as inherent finance, operation set up formula, and verify immediately.
14, credit data interactive method as claimed in claim 11, it is characterized in that, the information that collects is surveyed puppet to be specially: to the key message that collects in a different manner or block gather and the checking possibility that whether has mistake or deliberately fake respectively.
15, credit data interactive method as claimed in claim 9 is characterized in that, the data that collect are classified to be specially: the data that collect are classified according to the classification of personal data, business data, network trading data.
16, credit data interactive method as claimed in claim 9 is characterized in that, the data that collect are classified to be specially: the data that collect are classified according to the classification of static data and dynamic data.
17, credit data interactive method as claimed in claim 9, it is characterized in that, the data that store are given a mark according to the rule of setting, and gather and obtain representing that the score value of each network user's credit rating is specially: the personal data in the data that store, business data, network trading data are given a mark according to the rule of setting respectively, and gather the score value that obtains representing each enterprise or personal credit degree.
18, credit data interactive method as claimed in claim 9, it is characterized in that, the data that store are given a mark according to the rule of setting, and gather and obtain representing that the score value of each network user's credit rating is specially: static data in the data that store and dynamic data are given a mark according to the rule of setting, and gather the score value that obtains representing each network user's credit rating.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009101394669A CN101576988A (en) | 2009-06-12 | 2009-06-12 | Credit data interactive system and interactive method |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102439623A (en) * | 2009-03-27 | 2012-05-02 | 邓白氏公司 | Method and system for dynamically producing detailed trade payment experience for enhancing credit evaluation |
| CN102831137A (en) * | 2012-01-16 | 2012-12-19 | 中新力合股份有限公司 | Enterprise information display method and system based on same |
| CN103631572A (en) * | 2012-08-24 | 2014-03-12 | 曙光信息产业(北京)有限公司 | Centralized event processing system and processing method |
| CN105306213A (en) * | 2015-09-23 | 2016-02-03 | 中国联合网络通信集团有限公司 | User information processing method and system |
| WO2016019632A1 (en) * | 2014-08-05 | 2016-02-11 | 奥盈琦信信息技术（上海）有限公司 | System and method for implementing collection, management and authorization of personal big data |
| CN105761143A (en) * | 2016-02-01 | 2016-07-13 | 上海凭安网络科技有限公司 | Multi-party co-construction credit record method based on block chains |
| CN106227747A (en) * | 2016-07-13 | 2016-12-14 | 武威江 | A kind of mutual rating system |
| CN106447434A (en) * | 2016-09-14 | 2017-02-22 | 全联征信有限公司 | Personal credit ecological platform |
| CN106779743A (en) * | 2016-12-09 | 2017-05-31 | 传化物流集团有限公司 | Sincere Classified Protection, device and service end |
| CN107086909A (en) * | 2017-03-07 | 2017-08-22 | 阿里巴巴集团控股有限公司 | Generation method and device, the method and apparatus of identity examination ＆ verification of identity information |
| CN107408268A (en) * | 2015-01-28 | 2017-11-28 | 环联公司 | For retrieve and handle credit data with carry out concentrate examination system and method |
| CN108021588A (en) * | 2016-10-28 | 2018-05-11 | 北京京东尚科信息技术有限公司 | A kind of user of Electronic Commerce purchases data integration method and device first |
| CN108182627A (en) * | 2018-01-19 | 2018-06-19 | 上海锐垚科技有限公司 | A kind of system that user credit assessment is realized according to user behavior |
| CN108510350A (en) * | 2017-11-30 | 2018-09-07 | 腾讯科技（深圳）有限公司 | Merge reference analysis method, device and the terminal of multi-platform collage-credit data |
| CN108629655A (en) * | 2018-04-16 | 2018-10-09 | 张之明 | credit data management system and method |
| CN109145057A (en) * | 2018-09-10 | 2019-01-04 | 合肥科讯金服科技有限公司 | A kind of data service platform system |
| CN109426894A (en) * | 2017-08-22 | 2019-03-05 | 阿里巴巴集团控股有限公司 | User information is shared, price competing method, device, system and electronic equipment |
| CN111192151A (en) * | 2019-12-25 | 2020-05-22 | 北京健康之家科技有限公司 | Service processing method, device, storage medium and computer equipment |
| CN112465622A (en) * | 2020-09-16 | 2021-03-09 | 西安科技大学 | Method, system, medium and computer equipment for checking enterprise comprehensive credit information |
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| CN102439623A (en) * | 2009-03-27 | 2012-05-02 | 邓白氏公司 | Method and system for dynamically producing detailed trade payment experience for enhancing credit evaluation |
| CN102831137A (en) * | 2012-01-16 | 2012-12-19 | 中新力合股份有限公司 | Enterprise information display method and system based on same |
| CN102831137B (en) * | 2012-01-16 | 2015-09-16 | 中新力合股份有限公司 | A kind of methods of exhibiting of company information and the system based on the method |
| CN103631572A (en) * | 2012-08-24 | 2014-03-12 | 曙光信息产业(北京)有限公司 | Centralized event processing system and processing method |
| WO2016019632A1 (en) * | 2014-08-05 | 2016-02-11 | 奥盈琦信信息技术（上海）有限公司 | System and method for implementing collection, management and authorization of personal big data |
| CN107408268A (en) * | 2015-01-28 | 2017-11-28 | 环联公司 | For retrieve and handle credit data with carry out concentrate examination system and method |
| CN105306213A (en) * | 2015-09-23 | 2016-02-03 | 中国联合网络通信集团有限公司 | User information processing method and system |
| CN105306213B (en) * | 2015-09-23 | 2019-07-09 | 中国联合网络通信集团有限公司 | User information processing method and system |
| CN105761143A (en) * | 2016-02-01 | 2016-07-13 | 上海凭安网络科技有限公司 | Multi-party co-construction credit record method based on block chains |
| CN105761143B (en) * | 2016-02-01 | 2019-04-05 | 上海凭安网络科技有限公司 | A method of the credit record of building together in many ways based on block chain |
| CN106227747A (en) * | 2016-07-13 | 2016-12-14 | 武威江 | A kind of mutual rating system |
| CN106447434A (en) * | 2016-09-14 | 2017-02-22 | 全联征信有限公司 | Personal credit ecological platform |
| CN108021588A (en) * | 2016-10-28 | 2018-05-11 | 北京京东尚科信息技术有限公司 | A kind of user of Electronic Commerce purchases data integration method and device first |
| CN106779743A (en) * | 2016-12-09 | 2017-05-31 | 传化物流集团有限公司 | Sincere Classified Protection, device and service end |
| CN107086909A (en) * | 2017-03-07 | 2017-08-22 | 阿里巴巴集团控股有限公司 | Generation method and device, the method and apparatus of identity examination ＆ verification of identity information |
| CN109426894A (en) * | 2017-08-22 | 2019-03-05 | 阿里巴巴集团控股有限公司 | User information is shared, price competing method, device, system and electronic equipment |
| CN108510350A (en) * | 2017-11-30 | 2018-09-07 | 腾讯科技（深圳）有限公司 | Merge reference analysis method, device and the terminal of multi-platform collage-credit data |
| CN108182627A (en) * | 2018-01-19 | 2018-06-19 | 上海锐垚科技有限公司 | A kind of system that user credit assessment is realized according to user behavior |
| CN108629655A (en) * | 2018-04-16 | 2018-10-09 | 张之明 | credit data management system and method |
| CN109145057A (en) * | 2018-09-10 | 2019-01-04 | 合肥科讯金服科技有限公司 | A kind of data service platform system |
| CN111192151A (en) * | 2019-12-25 | 2020-05-22 | 北京健康之家科技有限公司 | Service processing method, device, storage medium and computer equipment |
| CN112465622A (en) * | 2020-09-16 | 2021-03-09 | 西安科技大学 | Method, system, medium and computer equipment for checking enterprise comprehensive credit information |
| CN112465622B (en) * | 2020-09-16 | 2024-03-05 | 西安科技大学 | Enterprise comprehensive credit information checking method, system, medium and computer equipment |
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