CN102110276A - Credit card credit investigation method and system - Google Patents
Credit card credit investigation method and system Download PDFInfo
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Abstract
The invention provides a credit card credit investigation method and system. The method comprises the steps of acquiring credit investigation data of customers to be examined and approved from a data communication system in a local bank and acquiring the credit investigation data of the customers to be examined and approved from an extranet; and a credit card credit investigation unit collects all the acquired credit investigation data, thus credit card examination personnel can conveniently consult the credit investigation data. The system is characterized in that a branch bank comprehensive data management platform and a credit card preliminary examination and approval system which are both connected with a credit card investigation unit in a communication manner, and a head office comprehensive data management platform and a characteristic service platform are both connected with the branch bank comprehensive data management platform in the communication manner; the characteristic service platform is connected with a unionpay server by virtue of a unionpay front-end processor, and the unionpay server is connected with an external system server; and the credit card credit investigation unit is connected with an external system in the communication manner by virtue of the Internet. By adopting the method and the system provided by the invention, the credit card credit investigation efficiency can be obviously improved.
Description
Technical field
The present invention relates to a kind of credit card reference inspection method and system thereof.
Technical background
China Construction Bank Hunan Province branch is since issuing first credit card in August, 2003, year, issued volume was all to be doubled the speed development, to the end of the year 2008,63.64 ten thousand of hair fasteners have been added up, have client 55.7 ten thousand families, but from October, 2008 head office's credit stick into after part system (APS) formally reaches the standard grade, hair fastener speed is slowed down suddenly, end in by the end of March, 2009 to, only hair fastener is 4.74 ten thousand, only finish 12.03% of annual task, this branch may finish annual task hardly by this speed, after its reason mainly is into part online implementing, owing to lack the support of technological means, examine that the business personnel needs artificial enquiry to examine People's Bank of China's reference record of client in advance in the process, common reserve fund, deposit, loan, finance product, the data message of a plurality of systems such as payroll credit, efficient is low, the mistake height, influence the hair fastener progress of this row, cause reference investigator's workload to can not get effective raising, causing into, part overstocks, have a strong impact on the hair fastener progress, cause customer complaint, also bring certain negative effect for Construction Bank's reputation.
The informational needs that the business personnel needs in examining the credit card process obtains from numerous outreaching the system, and access modes also is not quite similar, and as People's Bank of China's reference, by visit People's Bank of China related system website, after the use user login, inquiry obtains after the input relevant information; As common reserve fund, by the batch upload file, by common reserve fund system batch return results; Some account inquiries as in the row realize by system's relevant interface in the row.
The scope of business that in lines main at present reference relates to has:
Reference (deposit, payroll credit, fund, housing loan in the information inquiry of public security household register, People's Bank of China's credit record inquiry, grid motor inquiry, enterprise network inquiry, common reserve fund information inquiry, joint name card inquiry, telecommunications Yellow Page, the inquiry of client's cellphone information, property ownership certificate information inquiry, the system, consumptive loan, loan for purchasing car ...) data query or the like.
Therefore, there is following problem in current checking method:
The reference inspection mainly is to operate by manual mode, such as: operating personnel sign in to some relevant systems that outreach respectively, the inspection information that the input client provides, outreach system's single or return the inspection result in batches, the mode of operating personnel by printing the reference result or marking at application form is for the approving person provides the reference foundation.
The system that respectively outreaches is distributed in different places, and the inquiry of different modes is provided, the querying condition difference of required submission;
It is inconsistent respectively to outreach system queries result data form, and garbage is more, and the result of comprehensive integration can't be provided, and the approving person is difficult to utilize;
It is loaded down with trivial details respectively to outreach system management, needs the login username and the password of a plurality of systems of record, takies a large amount of logins and switching time, increases operating personnel's workload;
It is various to outreach system's classification, and manual login page inquiry work statistic workload is big, and efficient is low, needs a large amount of information of hand-kept, and perhaps printed information is many, is difficult to keeping, and waste is serious, and makes mistakes easily.
Summary of the invention
The objective of the invention is to propose a kind of credit card reference inspection method and system thereof, to improve the efficient of reference inspection.
Technical solution of the present invention is as follows:
A kind of credit card reference inspection method is characterized in that, comprises obtaining from the data communication system of one's own profession waiting to examine client's reference data and obtaining the reference data of waiting to examine the client from the system of outreaching; Credit card reference inspection unit gathers all reference data of being obtained, is convenient to the credit card audit crew and consults;
The concrete grammar of reference data that obtains the unexamined client from the data communication system of one's own profession is as follows:
Communicate to connect and data sharing based on branch's integrated data management platform and head office's integrated data management platform and branch's characteristic service platform, credit card reference inspection unit obtains all customer informations, company information, loans and deposits information, financing information in the branch from branch's integrated data management platform; Concrete steps are:
Step 1: credit card reference inspection unit automatic reception head office credit card is examined the message file of waiting to examine the client that system returns in advance, the data item of this message file comprises: requisition number, name, type of credential, passport NO. and phone, and credit card reference inspection unit is sent to branch's integrated data management platform with message file;
Step 2: after branch's integrated data management platform received the message file that transmits credit card reference inspection unit, the initiating task query procedure was obtained reference data in the row, and the reference data form output file and turn back to credit card reference inspection unit in will going.
The method of obtaining unexamined client's reference data from the system of outreaching is divided into two kinds of patterns:
Pattern one: the pattern of obtaining data based on the MESSAGE EXCHANGE of private line access:
Step a: credit card reference inspection unit becomes text to send to branch's characteristic service platform information translation to be checked;
Step b: branch's characteristic service platform starts polling routine according to the text that receives, and promptly initiates the information interaction request to Unionpay's front end processor, and it is mutual to carry out real-time packet;
Step c: Unionpay's front end processor is initiated the inquiry transaction according to the interactive request of Unionpay's front end processor again, obtain and want Query Result, and Query Result turned back to credit card reference inspection unit through Unionpay's front end processor and branch's characteristic service platform successively, the data acquisition of pattern one finishes.
Pattern two: the pattern of obtaining data based on the simulation browser of internet:
Steps A: to the analysis mode of target resource website: the page structure to the target resource website is analyzed, obtain its required parameter and be used for simulating the HTTP request, detailed process is: construct request row, request header field and the request entity of HTTP request at the page of target resource website, and send this HTTP request;
Step B: webpage grasps: obtain the results page of returning from the target resource website of required inquiry, and this results page is stored in local computer;
Step C: information extraction: from results page, extract information needed;
Step D: data loading: the information needed that extracts is write down in the information database of record that leaves in the credit card reference inspection unit.
Preserve the finance data that obtains of application system in the row in the database of described head office integrated data management platform, in the row application system comprise core banking system, stock exchange transaction system, credit card business disposal system, advanced loan system, to public credit flow system, corporate client infosystem, Very Important Person service system, common reserve fund operation system, Enterprise Resource financial management system;
The data of storing in the database of described branch characteristic service platform comprise the regular debit of the small amount for each client and credit business record, Unionpay's clearance information, the concentrated payment information in province national treasury and the individual wholesale deposit at notice record of branch's management;
Described capable internal data comprises:
At the one's own profession payroll credit amount of money and the monthly amount of money;
Remaining sum at the financing card of one's own profession, debit card, medical insurance card, demand deposit, time deposit;
The account transfer stroke count and the amount of money in one's own profession debit card six months;
At the one's own profession personal loan amount of money, contain housing loan, car loan and consumptive loan;
The common reserve fund moon is paid volume;
Deposit the pipe situation the signatory Mobile banking of one's own profession, Net silver, note, third party;
In one's own profession finance product fund, gold and insurance situation;
The historical bad card record of marketing network and salesman;
The described system of outreaching comprises: Ministry of Public Security's residential identity infosystem, People's Bank of China's credit investigation system, house property infosystem, common reserve fund infosystem.
File interaction between credit card reference inspection unit and the branch's integrated data management platform adopts the FTP communication mode; Credit card reference inspection unit and Unionpay's front end processor adopt BEA TUXEDO middleware communication; The realization of HTTP request adopts HttpClient to finish.
[HttpClient is the sub-project under the Apache Jakarta Common, is prior art, be used to provide efficiently, the client programming tool bag of support http protocol up-to-date, feature richness, and it supports up-to-date version and the suggestion of http protocol.The main function that HttpClient provides:
Realized the method (GET, POST, PUT, HEAD etc.) of all HTTP;
Support to turn to automatically;
Support the HTTPS agreement;
Support acting server etc.】
A kind of credit card reference collaborative inspection system, branch's integrated data management platform and credit card are examined system in advance and are all helped to examine unit communication with the credit card reference and be connected, and head office's integrated data management platform and characteristic service platform all communicate to connect with integrated data management platform in lines;
The characteristic service platform links to each other with the Unionpay server by Unionpay's front end processor, and Unionpay's server links to each other with the external system server;
Credit card reference inspection unit by the internet with outreach system communication and be connected.
The external system server comprises telecommunication server, connectivity services device and Mobile Server; The described system of outreaching comprises: Ministry of Public Security's residential identity infosystem, People's Bank of China's credit investigation system, house property infosystem, common reserve fund infosystem; Bank pre-machine and Unionpay's server communicate to connect by extranet.
The beneficial effect that the present invention had has:
Credit investigation system comes into operation and helps to examine platform for bank credit card business provides a credit standard, unification, the support system of outreaching flexibly more, to reduce cost, to improve search efficiency, also provide new effective means in the credit card risk aspect preventing, security is higher.Mainly show the following aspects:
1, promotes the credit card business fast development, dominates the market rapidly that effect is good
Before system does not reach the standard grade, add up, only hair fastener is 4.74 ten thousand, only finishes 12.03% of annual task in by the end of March, 2009 in Hunan Construction Bank, after the online implementing, by in by the end of December, 2009, credit card business realizes good and fast development, and each main business index is overfulfilled the plan, rank prostatitis in the system, the same trade ranks the first.Clean newly-increased 350,000 families in card holder's year, rank is the 5th in 38 systems of branch of family of the whole nation; 300,000 of clean newly-increased hair fasteners, rank is the 6th in the system, 93.7 ten thousand of accumulative total issued volumes; High-end, major products marketing effect is obvious, and conversion client number reaches 9.4 ten thousand families, and rank is 4 in the system.Meanwhile, branch's credit card asset quality keeps good, exceeds the time limit that the loan fraction defective drops to 2.21% from 3.28% of the beginning of the year more than 60 days, and asset quality is better than the Hunan same trade.To on February 11st, 2010, credit card accumulative total issued volume broke through 1,000,000, was the branch of first leap " 1,000,000 " in the emphasis branch; Only newly-increased client of credit card year, newly-increased hair fastener are ranking first in row 38 systems of branch of family entirely.The business success of obtaining has also proved absolutely creativeness of the present invention.
2, resource consolidation
After this system drops into, integrated effectively in the row, the outer client's information of row, comprise public security household register information, People's Bank of China's credit record, the grid motor information, enterprise network information, common reserve fund information, the joint name card inquiry, the telecommunications Yellow Page, the inquiry of client's cellphone information, the property ownership certificate information inquiry, (the deposit of reference in the system, payroll credit, fund, housing loan, consumptive loan, loan for purchasing car ...) wait the data query of tens capable inner and outer system, form the complete customer profile data of a cover, gather and be combined in the approving person and show in front, improve greatly and examine hair fastener speed and accuracy.
3, alleviated reference personnel's labour intensity
Before collaborative inspection system was reached the standard grade, reference personnel understood the different credibility certificates that provide according to the applicant for the processing of every part of application part, and whether the information of filling in a form of verifying the applicant is accurate.As, he manages it, and whether card information conforms to, whether WorkPhone conforms to 114 registrations, the verification of property ownership certificate information, at the loans and deposits information state of one's own profession etc.The verification of these information need be inquired about in the system in different websites and row, causes the prolongation of activity duration.After the reference collaborative inspection system is reached the standard grade, can be in same interface, check client's essential information, common reserve fund information (comprising capable external information), existing credit card information (comprising amount), credit information, financing information, WorkPhone inquiry, public security information inquiry and concern information, and inquiry property ownership certificate information.No longer need the reference personnel to open different windows, enter different page verifications.
4, improved reference personnel's work efficiency
When the working link reference personnel in the past handle into part, inquiry client People's Bank of China information just enters reference center, inquiry client common reserve fund information and just enters prefectures and cities common reserve fund website, inquiry client and manage with regard to entering unified gate system in the deposit information that I manage it, be foundry bankbook and common reserve fund or medical insurance card as the financial statement that runs into the client and provide, also need inquire about in the DCC system.One day careful table process needs the reference personnel repeatedly to login and inquire about in the different systems and the page, expends many working times, and workload is difficult to promote.After the reference collaborative inspection system is reached the standard grade, the queried for items of above-mentioned frequent use has been collected the same page, alleviated reference personnel's working pressure greatly, and then improved work efficiency.Workload also by before daily be no more than 200, mentioned average daily 600.
Description of drawings
Fig. 1 is for obtaining the process flow diagram of the reference data of waiting to examine the client from the data communication system of one's own profession;
The structured flowchart that Fig. 2 links to each other with the system of outreaching for credit card reference inspection unit.
Embodiment
Below with reference to figure and specific implementation process the present invention is described in further details.
Embodiment 1:
Reference collaborative inspection system (CCAIS) mainly is divided into 2 parts, 1. from the row in system such as credit card examine in advance system of system (APS), the branch integrated data management platform (ODSB) obtain data; 2. obtain data (People's Bank of China's credit investigation system, house property system, telecommunications Yellow Page (as extracting the customer data data) etc.) from the system of outreaching from telecommunications, UNICOM, system such as move.
Credit card is examined system (APS) in advance and is obtained following item of information, as shown in Table 1:
Table one:
To the part 1 explanation, system's peek in the row:
Be divided into 5 steps and describe, the label on the arrow in the label corresponding diagram 1 of step:
1, head office's integrated data management platform (ODSH) receives the data of dozens of application system in the row every day, comprise core banking system CCBS, the CCBSS of stock exchange transaction system, credit card business disposal system CCS, advanced loan system ALS, to public credit flow system CLPM, corporate client infosystem ECIF, Very Important Person service system VSS, common reserve fund operation system REFAS, Enterprise Resource financial management system ERPF etc., be kept in the ODSH database, turn back to branch's integrated data management platform (ODSB) after ODSH every day incremental data processing being handled; ODSH is deployed in Beijing data center of head office, is connected with the ODSB of branch by the 8M private wire network, turns back in the ODSB system with file mode.The configuration of the ODSB of branch is as follows:
ODSB is branch's generalized information management system and management information data warehouse, satisfy branch's management information demand, improve data service quality, unified standard is the storage of level service data in lines, strengthen data analysis and collection dynamics, fully excavate the data resource of branch, for branch's management of product, risk prevention, performance appraisal, management decision, client's marketing provide strong support.
Institute of system accepted standard technology and environment are as shown in the table:
The ODSB of branch infrastructure includes: data storage (database) group, ETL server zone, Cognos Report Engine server zone, J2EE server zone and five dilatation points of Web server group.
The hardware environment configuration:
2, branch's characteristic service platform FISP provides powerful guarantee for the professional development in an all-round way of branch, the major product and the function that provide have: the intermediary service aspect comprise in batches generation send out, withhold in batches, 13 big classes, 45 little series products such as all kinds of substitute services, the unit of agency totally 19546 families; Channel access aspect comprises that handset short message platform, small amount are regularly borrowed (loans) note, happyly purchased, Unionpay clears etc.; Core is peeled off the aspect and is comprised that unit wholesale enchashment is preferential, payment, individual wholesale deposit at notice, card manufacturing file conversion etc. are concentrated in province national treasury; Characteristic ISSUER's face comprise the city combine net current statement, to the detailed inquiry of Gregorian calendar history, to the new and old customer accounting code inquiry of public affairs etc., it is branch's characteristics that some data are arranged in the database of FISP system, in ODSH system of head office, do not have, therefore, every day, FISP system of branch was sent to ODSB platform preservation by the 1000M LAN (Local Area Network) with file mode with branch's characteristic data automatically, ODSB is with in the file load data base, therefore, ODSB comprises mass datas such as all interior customer informations of branch, company information, loans and deposits information, financing information.The FISP of branch system configuration is as follows:
3, credit card reference collaborative inspection system CCAIS automatic reception head office credit card is examined the customer information file that needs that the APS of system returns are examined in advance, data item comprises: information such as requisition number, name, type of credential, passport NO., phone, these information are saved in the database of credit card reference collaborative inspection system CCAIS, the data that the credit card that regularly will need every day to inquire about is examined are in advance unloaded into file, pass in the ODSB system assigned catalogue by the FTP mode.The hardware configuration of credit card reference collaborative inspection system CCAIS is as follows:
4, after ODSB received the file of CCAIS system transmission, the initiating task query procedure mainly was to get following data:
Manage it the payroll credit and the monthly amount of money at me;
Remaining sum at my financing of manageing it card, debit card, medical insurance card, demand deposit, time deposit;
The account transfer stroke count and the amount of money in I manage it debit card six months;
Manage it a loan situation at me, contain housing loan, car is borrowed and consumptive loan;
The common reserve fund situation moon is paid volume;
Manage it signatory Mobile banking, Net silver, note, 95533, third party at me and deposit the pipe situation;
I manage it finance product fund, gold, sharply must be full of, converge to such an extent that be full of and the insurance situation;
The historical bad card record of marketing network and salesman.
The process of for example using DataStage operation automation instrument to extract the non-vanishing account information of all remaining sums of client is specially:
The first step:, in client's Basic Information Table (BF_PR_IND_INFO), search client's ECIF platform number according to the customer's identity card number that provides in the input file;
Second step: according to client's ECIF platform number, find the customer number of client in each system in individual participant's cross-index table, what use here is the DCC customer number;
The 3rd step:, in individual current deposit account, search the non-vanishing account's of all remaining sums of client details according to the DCC customer number;
The 4th one: form outputs to output file with the result in accordance with regulations;
The 5th step: output file is turned back to the CCAIS system with the FTP mode.
5, the ODSB result that will get with the FTP mode turn back to the CCAIS system /the home/ics/tomcat/plxcjg catalogue, system regularly will help to examine destination file this machine data storehouse of packing into.When the operator examined credit card business, by the query function of CCAIS system, the data presentation that will return in ODSB and the system of outreaching provided printing function to file on screen, provides reference frame for the credit card person of examining when permit business.
To the part 2 explanation, obtain data from a plurality of external systems, as shown in Figure 2.
Credit card reference collaborative inspection system CCAIS and external system connect, mainly contain two kinds of patterns, a kind of pattern is to adopt private line access, both sides arrange communication mode and transaction interface, support middleware communication modes such as Socket mode and TUXEDO,, for example conclude the business by the phone information inquiry in the telecommunication service by the data of MESSAGE EXCHANGE extraction to method, system, the input telephone number can the unit's of returning name or individual name, thereby whether examine the telephone number that accurate card holder provides genuine and believable; Another kind of pattern is to adopt the internet, with simulation browser mode, based on dynamic heterogeneous Web information integration webpage analysis method, realized that automatic submission HTML list obtains desired page and to the information extraction of the page, and the page can have been grasped and be saved in the local data base.
Transaction flow to first kind of pattern:
Credit card reference collaborative inspection system CCAIS-(internal lan)-＞the characteristic service platform FISP-(internal lan) of branch-＞Unionpay's front end processor-(private wire network)-＞Unionpay's server-(private wire network)-＞telecommunications, UNICOM, Mobile Server
The detailed process of inquiry telecommunications or mobile phone customer information: [this process mainly verify telephone number that the client provides or phone number whether with the client in telecommunications or move the consistent of registration.】
1, the credit card reference collaborative inspection system CCAIS client's that will need examine every day relevant informations such as telephone number generate a file, as: Zhu 4300993662981|0|A|430121*********120| * * | 0731829***88| (annotates: the implicit customer information of " * " expression), file is passed in the assigned catalogue of the characteristic service platform FISP of branch; (illustrate: * reveals for the real information that prevents the client, replaces with " * ".Format description: requisition number (APS number) | serial number | type of credential (A-I.D., the B-officer's identity card, C-non-ranking cadre's card, D-police officer's identity card, the E-soldier's indentity card, F-People's Armed Police's card, G-residence booklet, H-passport etc.) | ID (identity number) card No. | name | telephone number |, such as: Zhu 4300993662981|0|A|430121196807042113| three | 073182988888|, can inquire about the householder of this number 073182988888, address, information such as arrearage situation.)
2, branch's characteristic service platform FISP regularly starts the phone information polling routine, because Unionpay's server only provides single inquiry transaction interface, thereby the FISP system need split into the content of file the single transaction, initiate transaction to Unionpay's front end processor, FISP system and Unionpay's front end processor adopt the BEATUXEDO middleware communication, the real-time packet transaction;
3, Unionpay's front end processor is concluded the business according to the message interface initiation inquiry that Unionpay's server provides again, Unionpay's server is clipped to telecommunications, UNICOM, the relevant informations such as name of power taking words number correspondence on the server such as moves according to the ownership branch of telephone number again, and former road turns back to the FISP system;
4, after the message that returns is received by the FISP system, be written in the file, read next bar record again;
5, repeated for the 2nd step to the 4th step, finish until whole inquiries;
6, FISP turns back to the CCAIS system with the file that generates with the FTP mode;
7, the CCAIS system inquires about use regularly with the file load data base that returns for the operator.
Transaction flow to second kind of pattern:
Credit card reference collaborative inspection system CCAIS-(internet)-＞WEB website such as Ministry of Public Security's residential identity infosystem, People's Bank of China's credit investigation system, house property infosystem, common reserve fund infosystem.
The information acquisition flow process: owing to the page that number of site provides often can just can not visited by a simple URL, and must be through using the page that service is provided after registration and the login.The information representation of each website has very big isomerism, and different resources has different restrictions for login.Because the details mutual with Web needs people oneself to realize, this simulates and describes the details of visit Web resource with regard to needing people, analyzes its web form, obtains required results page; Then by analyzing page structure and content, adopt corresponding extraction algorithm, results page is found in analog subscriber click behavior, come out to deposit in information extraction in the corresponding database, realize submitting to automatically the HTML list to obtain desired page and to the information extraction of the page, the form that has customized with system is presented on the screen or prints at last, also the WEB webpage that grasps can be saved in local data base, and the operator can access the original page very soon.
Webpage source data site analysis and extractive technique are the bases of realization and Web resource automatic interaction, also are the bases of required webpage being extracted data.On the one hand, in the reciprocal process of Web resource, some parameter and data obtain with extracting by web page analysis; On the other hand, the required webpage that obtains is by web page analysis and extract acquisition.
The detailed process of inquiry Ministry of Public Security residential identity information:
1, source data site analysis simulation
Mainly the page structure of resource website is analyzed, obtained its required parameter by analysis and be used for simulating the HTTP request.Its analysis result comprises how obtaining the Query Result page and rule thereof etc.
Its principle be achieved as follows:
When the user visited the Web resource by browser, browser had been hidden and the mutual detail of Web resource for the user, the just result that the user sees.For the needs information inquiring, generally sign in to a Web server by Web browser, the input inquiry condition is submitted query requests to, and server returns Query Result.
Http protocol is based on the request pattern.The HTTP solicited message is made up of request row, request header field and request entity three parts.Method in the request row is described the action that should carry out in the allocated resource.Common method has get, post and head.The request header field is some additional informations about this time request.Request entity then is some parameter informations that required transmission is asked in this time.Http response information is made up of responsive trip, response header field and response entity three parts.Responsive trip mainly shows the HTTP version, and the status code of this response results; The response header field is the additional information of this secondary response; The response entity then is this secondary response result's details.For dynamic heterogeneous Web resource, at first need to analyze its web form, results page is found in analog subscriber click behavior, and the page structure of resource website is analyzed, and obtains its required parameter by analysis and is used for simulating the HTTP request.Its analysis result comprises how obtaining the Query Result page and rule thereof etc.Because user and Web resource is that carry out on the basis alternately with the http protocol, this reciprocal process is the process that is sent the HTTP request by the process simulation browser to long-range Web server.The every inquiry primary information of user is exactly the process that sends a HTTP request to server.
Owing to can send the process of HTTP request, be the successful key of simulation for obtaining of HTTP solicited message by process simulation.The designing requirement browser end of some Web service program carries out pre-service by script technology to search terms, generates an expression formula for search at browser end, again this expression formula is passed to server with the HTTP request mode and retrieves.In the case, need to analyze the scripted code in the html file, construct correct expression formula for search.Some solicited message parameter is dynamic change.This need manually anatomize, and finds out wherein rule, could realize in real time request, real-time response, and to the functions such as page turning of query page.These parameter informations all can not have a bit mistake.Can be by more existing network service interception tool software, as EHSniffer, HttpWatch, HttpTracer etc.These softwares can catch and decode data of the HTTP request that browser sends are analyzed the network activity of http communication etc.So just can correctly obtain the parameter that HTTP request signal post needs.
The realization of HTTP request is mainly finished by HttpClient.Use the HttpClient programming to mainly contain following basic step:
(1) example of establishment HttpClient;
(2) creating the example of certain method (DeleteMethod, EntityEnclosingMethod, ExpectContinueMethod, GetMethod, HeadMethod, MultipartPostMe-thod, OptionsMethod, PostMethod, PutMethod, TraceMethod), is parameter with target URL generally;
(3) allow HttpClient carry out this method;
(4) read response message;
(5) discharge connection;
(6) processing is replied.
Mainly in HttpClient realize the get and the post method of HTTP in asking respectively with GetMethod and two methods of PostMethod.By top step, obtain its desired parameters by HttpWatch, the parameter Real-time and Dynamic of wherein dynamic change is extracted, carry out the analog subscriber sign-on access, can obtain the results page of the required inquiry of user.User cipher is if desired logined in checking, and we click the login button login on the website, and it is the same that essence is landed in simulation, utilizes the Post method to submit to parameter to login.
NameValuePair[] postData={new NameValuePair (" username ", username), newNameValuePair (" userpwd ", password) }; // user name, password are saved in parameter array the inside pMethod.setRequestBody (postData); // theme of request is set;
Username, userpwd etc. obtain by packet catcher, perhaps register a user, obtain username and password.
2, webpage grasps
According to analysis mode the results page that inquiry obtains is grabbed local computer, make the further usefulness of analysis for information extraction.
3, information extraction
By analyzing structure of web page and content, sum up its decimation rule, adopt corresponding extraction algorithm, information needed is extracted.
Its principle and algorithm are as follows:
The information extraction of the Web page mainly shown analysis to its flag node and content of text construct healthy and strong wrapper.The rule of information extraction is occupied very consequence in wrapper.Extraction tool has TSIMMIS, W4F etc., some decimation rules have been adopted based on the Web file structure, can accurately locate TAG mark in the html page according to the node in the structure tree, can accurately navigate to the position of the information that will extract, can not obscure mutually with other data with similar structures.But work as page structure variation has taken place, the inefficacy that small change will finally have influence on decimation rule takes place in any level in the structure, need adjust again.Extraction tools such as NoDoSE, WHISK, STALKER, employing is based on the decimation rule of feature mode coupling, can in the full text of Web document, discern substring, not need the information of layer of structure, can handle well for the webpage of the diverse class of structure of web page with feature mode.The present invention adopts a kind of NoDoSE abstracting method based on the feature mode coupling in back.
4, data loading
The information record that extracts is left in the corresponding information database of record, also the WEB webpage that grasps can be saved in the local data base, offer user inquiring and use.
Claims (5)
1. a credit card reference inspection method is characterized in that, comprises obtaining from the data communication system of one's own profession waiting to examine client's reference data and obtaining the reference data of waiting to examine the client from the system of outreaching; Credit card reference inspection unit gathers all reference data of being obtained, is convenient to the credit card audit crew and consults;
The concrete grammar of reference data that obtains the unexamined client from the data communication system of one's own profession is as follows:
Communicate to connect and data sharing based on branch's integrated data management platform and head office's integrated data management platform and branch's characteristic service platform, credit card reference inspection unit obtains all customer informations, company information, loans and deposits information, financing information in the branch from branch's integrated data management platform; Concrete steps are:
Step 1: credit card reference inspection unit automatic reception head office credit card is examined the message file of waiting to examine the client that system returns in advance, the data item of this message file comprises: requisition number, name, type of credential, passport NO. and phone, and credit card reference inspection unit is sent to branch's integrated data management platform with message file;
Step 2: after branch's integrated data management platform received the message file that transmits credit card reference inspection unit, the initiating task query procedure was obtained reference data in the row, and the reference data form output file and turn back to credit card reference inspection unit in will going.
The method of obtaining unexamined client's reference data from the system of outreaching is divided into two kinds of patterns:
Pattern one: the pattern of obtaining data based on the MESSAGE EXCHANGE of private line access:
Step a: credit card reference inspection unit becomes text to send to branch's characteristic service platform information translation to be checked;
Step b: branch's characteristic service platform starts polling routine according to the text that receives, and promptly initiates the information interaction request to Unionpay's front end processor, and it is mutual to carry out real-time packet;
Step c: Unionpay's front end processor is initiated the inquiry transaction according to the interactive request of Unionpay's front end processor again, obtain and want Query Result, and Query Result turned back to credit card reference inspection unit through Unionpay's front end processor and branch's characteristic service platform successively, the data acquisition of pattern one finishes.
Pattern two: the pattern of obtaining data based on the simulation browser of internet:
Steps A: to the analysis mode of target resource website: the page structure to the target resource website is analyzed, obtain its required parameter and be used for simulating the HTTP request: construct request row, request header field and the request entity of HTTP request at the page of target resource website, and send this HTTP request;
Step B: webpage grasps: obtain the results page of returning from the target resource website of required inquiry, and this results page is stored in local computer;
Step C: information extraction: from results page, extract information needed;
Step D: data loading: the information needed that extracts is write down in the information database of record that leaves in the credit card reference inspection unit.
2. credit card reference inspection method according to claim 1 is characterized in that:
Preserve the finance data that obtains of application system in the row in the database of described head office integrated data management platform, in the row application system comprise core banking system, stock exchange transaction system, credit card business disposal system, advanced loan system, to public credit flow system, corporate client infosystem, Very Important Person service system, common reserve fund operation system, Enterprise Resource financial management system;
The data of storing in the database of described branch characteristic service platform comprise the regular debit of the small amount for each client and credit business record, Unionpay's clearance information, the concentrated payment information in province national treasury and the individual wholesale deposit at notice record of branch's management;
Described capable internal data comprises:
At the one's own profession payroll credit amount of money and the monthly amount of money;
Remaining sum at the financing card of one's own profession, debit card, medical insurance card, demand deposit, time deposit;
The account transfer stroke count and the amount of money in one's own profession debit card six months;
At the one's own profession personal loan amount of money, contain housing loan, car loan and consumptive loan;
The common reserve fund moon is paid volume;
Deposit the pipe situation the signatory Mobile banking of one's own profession, Net silver, note, third party;
In one's own profession finance product fund, gold and insurance situation;
The historical bad card record of marketing network and salesman;
The described system of outreaching comprises: Ministry of Public Security's residential identity infosystem, People's Bank of China's credit investigation system, house property infosystem, common reserve fund infosystem.
3. credit card reference inspection method according to claim 1 and 2 is characterized in that, the file interaction between credit card reference inspection unit and the branch's integrated data management platform adopts the FTP communication mode; Credit card reference inspection unit and Unionpay's front end processor adopt BEA TUXEDO middleware communication; The realization of HTTP request adopts HttpClient to finish.
4. credit card reference collaborative inspection system, it is characterized in that, branch's integrated data management platform and credit card are examined system in advance and are all helped to examine unit communication with the credit card reference and be connected, and head office's integrated data management platform and characteristic service platform all communicate to connect with integrated data management platform in lines;
The characteristic service platform links to each other with the Unionpay server by Unionpay's front end processor, and Unionpay's server links to each other with the external system server;
Credit card reference inspection unit by the internet with outreach system communication and be connected;
Described credit card reference collaborative inspection system adopts claim 1 or 2 described credit card reference inspection methods.
5. credit card reference collaborative inspection system according to claim 4 is characterized in that the external system server comprises telecommunication server, connectivity services device and Mobile Server; The described system of outreaching comprises: Ministry of Public Security's residential identity infosystem, People's Bank of China's credit investigation system, house property infosystem, common reserve fund infosystem; Bank pre-machine and Unionpay's server communicate to connect by extranet.
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| CN2011100753604A CN102110276A (en) | 2011-03-28 | 2011-03-28 | Credit card credit investigation method and system |
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| CN2011100753604A CN102110276A (en) | 2011-03-28 | 2011-03-28 | Credit card credit investigation method and system |
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Application publication date: 20110629 |