CN105354740A - Method and apparatus for establishing personal credit information database - Google Patents
Method and apparatus for establishing personal credit information database Download PDFInfo
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- CN105354740A CN105354740A CN201510696423.6A CN201510696423A CN105354740A CN 105354740 A CN105354740 A CN 105354740A CN 201510696423 A CN201510696423 A CN 201510696423A CN 105354740 A CN105354740 A CN 105354740A
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Abstract
Embodiments of the present invention disclose a method and apparatus for establishing a personal credit information database. The method comprises: receiving an operation request of a first user for performing a trust endorsement on a designated second user, wherein the number of the first user is at least one; determining credit information of the designated second user, wherein factors used for determining the credit information of the designated second user comprise received trust endorsement information; storing a correspondence relationship between an identifier of the designated second user and the credit information, and establishing the personal credit information database. By means of the method and apparatus for establishing the personal credit information database disclosed by the embodiments of the present invention, credit conditions of users can be more comprehensively and stereoscopically embodied.
Description
Technical field
The application relates to personal credit information processing technology field, particularly relates to the method and device of setting up personal credit information database.
Background technology
In today that work and rhythm of life are all constantly accelerated, the work efficiency of people to all trades and professions creates more and more higher requirement.Certainly, the appearance of internet and various application thereof, serves great effect in raising the efficiency.Such as, the information of various businessman can be integrated by some application, people can by these application, booking is carried out with hotel, carry out hiring a car with row of hiring a car and preengage, etc., greatly reduce the time cost of people, accordingly, businessman is also made to obtain more Transaction apparatus meeting more fast, easily.
But, in the prior art, still there are some phenomenons, hinder the further raising of efficiency.Such as, certain user's first have subscribed to certain house type of certain hotel by certain application, and carries out payment operation online, but when this user's first is formally moved in, hotel also needs to collect a part of expense as cash pledge usually, when user's first is checked out, then is returned by cash pledge.And for example, when certain user's second needs to hire a car capable hiring a car, even if this user's second has completed other formality by application on site, comprise authentication etc., row of hiring a car needs to collect a part of expense in addition as the cash pledge of hiring a car toward contact, when this user's second is returned the car, then cash pledge is returned user's second, etc.Similar situation is multiple in addition; thisly collect the behaviors such as cash pledge and obviously can take some time costs; for the management etc. of cash pledge; also can take the handling cost of businessman; in addition, for the application scenarios such as hiring a car, the cash pledge amount of money collected usually can be higher; this also improves transaction threshold to a certain extent, reaching of impact transaction.
The behaviors such as cash pledge of collecting of businessman are often for the distrust to user.But, in actual applications, most of user may have good credit, the cash pledge of these users is all finally can return user in full, certainly, still have small part user really to there will be damage hotel article, hire a car and do not go back or damage the phenomenons such as vehicle.Before not occurring in concrete behavior, the credit information of businessman to user is unknown, therefore, in order to avoid being subject to the loss of the aspects such as property, can only select all to take mistrustful attitude to all users.
Visible, if the credit information of user can be got by certain mode, then for increasing work efficiency, the many-side such as saving resource all can play a positive role.In prior art, there are some credit investigation systems, such as, the departments such as bank set up credit investigation system, this credit investigation system normally by credit card user whether on time refund wait behavior collect, for the user that credit is good, when applying for new credit card, handling the business such as various loans, some programs can be made to be simplified.In addition, some trading platform systems, also using the credit mechanism of user, this system normally utilizes the behavioral data produced in user's online transaction to carry out adding up, such as, whether prompt payment, the positive rating of dealing user both sides, whether complained, whether in time reimbursement etc. when order is cancelled, the user had a good credit counted in this way, can enjoy the treatment such as " quick goods return and replacement ", " quick reimbursement ".Moreover, in some instantaneous communication systems, the communication data of user can also be utilized to add up, obtain the credit information of user, etc.
But above-mentioned various prior art, when the credit information of counting user, is all carry out based on the data in certain field, there is one-sidedness, comprehensively, three-dimensionally cannot embody the creditworthiness of a people, therefore, the result of reference is often not accurate enough, is also difficult between different systems multiplexing.
Therefore, more accurately more fully reference is machine-processed how to set up one, becomes the technical matters needing those skilled in the art to solve.
Summary of the invention
This application provides the method and device of setting up personal credit information database, the credit situation embodying user that can be more comprehensive, three-dimensional.
This application provides following scheme:
Set up a method for personal credit information database, it is characterized in that, comprising:
Receive first user carries out trusting endorsement operation requests to appointment second user, wherein, described first user is at least one;
Determine the credit information of described appointment second user, wherein, for determine the factor of described appointment second user credit information comprise described in receive trust endorsement information;
Preserve the corresponding relation between the mark of described appointment second user and described credit information, set up described personal credit information database.
Set up a device for personal credit information database, it is characterized in that, comprising:
Request reception unit, carry out trusting the operation requests of endorsing to appointment second user for receiving first user, wherein, described first user is at least one;
Credit information determining unit, for determining the credit information of described appointment second user, wherein, for determine the factor of described appointment second user credit information comprise described in receive trust endorsement information;
Credit information storage unit, for preserving the corresponding relation between the mark of described appointment second user and described credit information, sets up described personal credit information database.
According to the specific embodiment that the application provides, this application discloses following technique effect:
By the embodiment of the present application, provide the platform carrying out between men trusting endorsement, interpersonal trust endorsement behavior can be converged to like this and carry out together managing and calculating, obtain the credit information of user.Do not rely on unilateral data due to this credit information, but according in the meeting of user Fiel, other people show to his trust endorsement, therefore, the credit situation embodying user that can be more comprehensive, three-dimensional.And then this credit information can be applied to multiple concrete application scenarios, has good versatility, that the user being convenient to have a good credit can get is more convenient, serve efficiently.In addition, even if user has no credit, card uses behavior record in record, internet, applications etc., if but have other users to carry out trust endorsement for it, this user just can get credit information in this way, and then is no matter that can to enjoy good credit on line or under line be the facility that it brings.
Certainly, the arbitrary product implementing the application might not need to reach above-described all advantages simultaneously.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present application or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment below, apparently, accompanying drawing in the following describes is only some embodiments of the application, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the process flow diagram of the method that the embodiment of the present application provides;
Fig. 2 is the schematic diagram of the device that the embodiment of the present application provides.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present application, be clearly and completely described the technical scheme in the embodiment of the present application, obviously, described embodiment is only some embodiments of the present application, instead of whole embodiments.Based on the embodiment in the application, the every other embodiment that those of ordinary skill in the art obtain, all belongs to the scope of the application's protection.
Present inventor finds in the process realizing the application, and in real world, interpersonal " trusting endorsement " plays huge effect.So-called trust endorsement also can be called trusts guarantee, the meaning refers to, under strange environment, if the true identity information etc. of member's first to member's second is unknown, but if member third tells member first, member's second is believable, so just this Trust transitivity can be gone down, make member's second obtain the trust of member's first.Usually, the endorsement of the trust of member's third pair of member's second is not a hail fellow behavior because member's second specifically whether credible being actually can verify, if member's second is finally verified as insincere, then also can have influence on the trust of member's first to member third.In other words, if member's third pair of member's second has been done trust endorsement, then normally make when having very comprehensively very deep understanding to member's second, and at least In the view of member the third, member's second has been believable really.In addition, a people endorses to the trust of another person, is the social activity contact deriving from two person-to-person reality, to can be more comprehensive, three-dimensional by the understanding of endorsement person.Therefore, this interpersonal trust endorsement has very high utilizability.But, specifically in various internet, applications, this interpersonal trust endorsement but often just some behaviors of being scattered, such as, the endorsement in previous example during group chat, or, the recommendation of certified user in the systems such as microblogging, etc., but all cannot converge to and carry out together managing and calculating.For this reason, the embodiment of the present application is exactly based on interpersonal trust endorsement, provides a kind of implementation setting up personal credit mechanism, describes in detail below.
See Fig. 1, the embodiment of the present application provide firstly a kind of method setting up personal credit information database, and the method can comprise the following steps:
S101: receive first user carries out trusting endorsement operation requests to appointment second user, wherein, described first user is at least one;
In the embodiment of the present application, in order to set up the credit database of individual, can provide a kind of application, this application can be divided into client and server end two parts.Wherein, client can be installed in the terminal device of user, and user can be registered by client, then just can carry out trust endorsement to other users, and server by utilizing trusts endorsement situation determination credit information, and building database.Also namely, the executive agent of each step in the embodiment of the present application can be server.
In preferred implementation, when user registers, can carry out system of real name certification to user, such as, user can input its Real Name, identification card number etc.Certainly, user also can register corresponding virtual user name.
Wherein, the first user in the embodiment of the present application can be the registered users in system.In actual applications, providing the user trusting endorsement should be the people itself with good credit usually, that is, in order to ensure the validity of system, the identity of first user can be limited.During specific implementation, in an initial condition, can, by modes such as invitations, as " seed user ", such as, can be the people be of noble character and high prestige generally acknowledged in each field, etc.Trust endorsement by this seed user for other users do, the user that more credit rating is higher can be derived, accordingly, these users have and can endorse for more user, in a word, the transmission of credit can be realized in this way, finally can by this transmission, user trusty set can be obtained, certainly, this set is constantly corrected, and may increase new trusted users, also original trusted users may be had deleted, etc.
The second user in the embodiment of the present application can be registered user, also can be the user had not yet registered.That is, first user, when carrying out trust endorsement to other users, can be carry out trust endorsement to registered user, or, also can carry out trust endorsement to the user had not yet registered.
It should be noted that, when specific implementation, when finally preserving the credit information of the second user, the corresponding relation between the system of real name identity information of the second user and credit information can be preserved, therefore, at first user specifically when carrying out trust endorsement to the second user, the system of real name identity information of the second user can also be determined.Concrete implementation can have multiple.Wherein, if the second user is registered user, and carry out system of real name certification when registering, then can preserve the system of real name identity information of the second user in server, now, when reception first user carries out the operation requests of trusting endorsement to appointment second user, according to the information of preserving during registration, the system of real name identity information of appointment second user can be determined.That is, first user is when submitting trust endorsement request to, only need the information such as the user name of appointment second user, Real Name, about information such as identification card numbers, the information of preserving when server can be registered according to the second user is determined, determines the system of real name identity information of the second user with this.
Or, if the second user is the user had not yet registered, then first user is when carrying out credit endorsement to this user, can be that the second user is provided for inputting the input control of appointment second user system of real name identity information (such as, input frame etc.), then, the system of real name identity information of appointment second user of first user input can be received by this input control.That is, first user, when endorsing for the second user, can input the information such as the Real Name of the second user, identification card number, and then does trust endorsement to this user.
In actual applications; first user is when carrying out trust endorsement for the second user; second user is first user understanding; that is; first user can carry out daily communication by phone, JICQ etc. and the second user usually; therefore, the second user is usually found in the contacts list of this first user.Perform for the ease of first user and trust endorsement operation; during specific implementation; due to associated person information list (such as address list etc.) usually can be preserved in the terminal device of user; therefore; can also after first user completes registration; can also obtain the contacts list of first user, like this, first user can carry out trust endorsement to the designated contact in contacts list.Certainly, for this situation, if the contact person that first user is specified not yet registers in the system of the embodiment of the present application, then can also require that first user inputs the system of real name identity information of its designated contact.
And if the contact person that it is specified has been registered users, first user also can provide the system of real name identity information of its contact person by the mode of input, or, in order to shorten the courses of action of first user, the system of real name identity information provided when directly can also read its registration.Certainly, (may be Real Name because the associated person information preserved in the associated person information list of first user can comprise name usually, also may be described by kinship etc.), telephone number, email address, the user name registered in JICQ, etc., therefore, for the ease of determining whether certain contact person of first user is registered users, when user registers, except requiring that user provides its system of real name identity information, user can also submit its contact method information to, comprises telephone number, email address etc.Like this, after the associated person information list obtaining first user, the contact method information of the designated contact of preserving in contacts list can be utilized, mate with the contact method information of each user preserved in log-on message, thus determine the system of real name identity information of the second corresponding user.Certainly, after determining the system of real name identity information of the second user in this way, can also be confirmed by first user, if first user determines that contact person that it is specified determines should the second user, then be applied to follow-up in credit information preserve step.
It should be noted that in addition, in actual applications, a user is under different application scenarioss, and credit situation may be different.Therefore, when specific implementation, can also by client in advance for first user provides the application scenarios of plurality of optional, when first user need be the second user do trust endorsement time, first a certain application scenarios wherein can be selected, that is, in this step S101, can be receive first user carries out trusting endorsement under selected intended application scene operation requests to appointment second user.Such as, optional application scenarios has lodging, hires a car, provides a loan etc., if first user be sure of that the second user has good credit in hiring a car, then can do under scene of hiring a car this second user and trust endorsement, etc.
S102: the credit information determining described appointment second user, wherein, for determine the factor of described appointment second user credit information comprise described in receive trust endorsement information;
Receive first user to the trust endorsement information of the second user after, the credit information of this appointment second user can be determined accordingly.When specific implementation, for determining that the factor of the second user credit information can have multiple, trusting endorsement information can be wherein a kind of factor, or trust endorsement information also can be whole factor.Wherein, when jointly determining the second user credit information by many factors, except trusting endorsement information, the second user can also be comprised in concrete behavioral data statistical information etc. of specifying in application scenarios.Such as, can be trading activity data in the reference information in banking system, the communications records information in instantaneous communication system, E-commerce transaction platform system etc.
Wherein, specifically when determining the credit information of the second user according to trust endorsement situation, multiple implementation can be had.Such as, the simplest mode of one can be, as long as have first user to do certain second user trust endorsement, then this second user is defined as trusted users.Or can also build one's credit assessment models in advance, like this, according to the trust endorsement information received and preset credit evaluation model, the credit information of described appointment second user can be determined.
Wherein, the concrete form of credit evaluation model also can have multiple, such as, the credit information of the second user can be only relevant to by the number of times of endorsing, or, in credit evaluation model, specify the credit information of the second user, can also be relevant by the credit information of endorse number of times and first user to appointment second user, etc.Wherein, for latter instance, the credit information of user can represent with quantized value, according to the difference of first user credibility, the trust endorsement provided for the second user can have different weights, like this, after calculating the credit information of the second user, again according to predetermined threshold value etc., can determine whether be trusted users, etc.
It should be noted that, for second user, along with more first user for it carries out trust endorsement, and the generation of more behavioral datas of this second user itself, its credit information can be constantly change, and even this credit information also may produce qualitative change.Such as, be originally included into the second user of trusted user set, due to the generation of its some discreditable behavior, insincere user may be regarded as, etc.In addition, be after the second user has carried out trust endorsement at a first user, if this first user is follow-up find again the incredible situation of this second user physical presence, the endorsement of its trust to the second user can also be cancelled.Accordingly, the embodiment of the present application can also provide corresponding option of operation for first user.That is, the trust endorsement of first user to the second user is can be reversed, and like this, based on the execution of this destruction operation, the credit information of the second user also can change.
S103: preserve the corresponding relation between the mark of described appointment second user and described credit information, set up described personal credit information database.
After the credit information determining the second user, the corresponding relation between the mark of appointment second user and described credit information can be preserved, set up its personal credit information database with this.As mentioned before, the mark of the second user preserved here can be the system of real name identity information of the second user, comprises Real Name, identification card number information etc.Certainly, under other implementations, can also directly identify by the information such as user name, telephone number, email address of the second user, etc.
After setting up aforementioned personal credit information database, in the embody rule scene of businessman, the data in this database can be utilized to obtain the credit information of user, for the reasonable user of credit, can remove from and pay cash pledge supervisor, increase work efficiency, also reduce the transaction threshold of businessman further, promote that more transaction is reached.Such as, when certain user hires a car to row of hiring a car, after showing its I.D., the database that the row staff that hires a car just can be set up by inquiry the embodiment of the present application, judge wherein whether there is credit information corresponding to this user, if had, then prove have other users to trust endorsement for this user does, this user is believable, therefore, can cash pledge be exempted from, directly hire a car, etc.
Certainly, in a particular application, second user concrete behavior result in concrete businessman can also feed back to Database Systems, that is, after the credit information that appointment second user is corresponding is applied to intended application scene, the behavior outcome information of this appointment second user in described intended application scene can also be collected, and utilize described behavior outcome information, the credit information of described appointment second user and described first user is upgraded.Such as, if when the second user hires a car to row of hiring a car, the credit inquiring this second user due to row of hiring a car is good, so eliminate the program paying cash pledge, directly car is rented this second user.Afterwards, if this second user returns the car as scheduled, and be not damaged, the situation such as accident, then can to the credit information bonus point of the first user of this second user and correspondence, otherwise, can the process such as corresponding deduction be carried out.That is, because the credit information of the second user is endorsed relevant to first user to its trust of carrying out, therefore, if the second user finally creates discreditable behavior, then first user can be jointly and severally liable, and the most directly impact is exactly in a database, the credit information of this first user also can be done deduction process, this process also may make first user become insincere user from trusted user, etc.In addition, the legal liabilities of associated merchant and/or platform recovery can also be born by first user.That is, be after the second user to have carried out trusting endorsement at first user, once the second user creates discreditable behavior, the credit record that the first user then carrying out endorsing for it not only faces oneself is affected, also bear corresponding legal consequence possibly, therefore, in this way, first user can be made for can be more careful when the second user endorses, prevent the second user and carry out trust endorsement by modes such as " waterborne troopies " of employing for it, like this, the validity improving user credit information in database is conducive to.
In a word, in the embodiment of the present application, provide the platform carrying out between men trusting endorsement, interpersonal trust endorsement behavior can be converged to like this and carry out together managing and calculating, obtain the credit information of user.Do not rely on unilateral user behavior data statistics due to this credit information, but according in the meeting of user Fiel, other people show to his trust endorsement, therefore, the credit situation embodying user that can be more comprehensive, three-dimensional.And then this credit information can be applied to multiple concrete application scenarios, has good versatility, that the user being convenient to have a good credit can get is more convenient, serve efficiently.In addition, even if user has no credit, card uses behavior record in record, internet, applications etc., if but have other users to carry out trust endorsement for it, this user just can get credit information in this way, and then is no matter that can to enjoy good credit on line or under line be the facility that it brings.
Corresponding with the aforementioned method setting up personal credit information database that the embodiment of the present application provides, the embodiment of the present application additionally provides a kind of device setting up personal credit information database, and see Fig. 2, this device can comprise:
Request reception unit 201, carry out trusting the operation requests of endorsing to appointment second user for receiving first user, wherein, described first user is at least one;
Credit information determining unit 202, for determining the credit information of described appointment second user, wherein, for determine the factor of described appointment second user credit information comprise described in receive trust endorsement information;
Credit information storage unit 203, for preserving the corresponding relation between the mark of described appointment second user and described credit information, sets up described personal credit information database.
During specific implementation, described device can also comprise:
Application scenarios providing unit, for providing the application scenarios of plurality of optional in advance;
Now, described request receiving element specifically for:
Receive first user carries out trusting endorsement under selected intended application scene operation requests to appointment second user;
Described credit information determining unit specifically for:
Determine the credit information of described appointment second user under described intended application scene.
Wherein, the system of real name identity information being designated the second user of described appointment second user.
During specific implementation, described device can also comprise:
Input control mentions unit, for being provided for the input control inputting described appointment second user system of real name identity information;
Identity information receiving element, for receiving the system of real name identity information of described appointment second user of described first user input by described input control.
Or described appointment second user can be registered user, carried out system of real name certification when registering, and preserved the system of real name identity information of described second user, now, described device can also comprise:
Identity information determining unit, for according to the information of preserving during registration, determines the system of real name identity information of described appointment second user.
During specific implementation, described device can also comprise:
Contacts list acquiring unit, for before receiving first user and carrying out trusting the operation requests of endorsement to appointment second user, obtains the contacts list of described first user;
Described request receiving element specifically for:
Receive first user carries out trusting endorsement operation requests to the designated contact in described contacts list.
Wherein, the mark of described appointment second user comprises the contact method information of the designated contact of preserving in described contacts list.
Or described designated contact comprises registered user, carry out system of real name certification when registering, and preserved system of real name identity information and the contact method information of user; Described device also comprises:
Contact method information matching unit, for utilizing the contact method information of the designated contact of preserving in described contacts list, mates with the contact method information of each user preserved in log-on message, determines the system of real name identity information of the second corresponding user;
Described credit information storage unit specifically for:
Preserve the corresponding relation between the system of real name identity information of described second user and described credit information.
Wherein, described credit information determining unit specifically for:
Utilize the trust endorsement information and preset credit evaluation model that receive, determine the credit information of described appointment second user.
Under a kind of concrete implementation, in described credit evaluation model, the credit information of described appointment second user, relevant by the credit information of endorse number of times and described first user to described appointment second user.
In actual applications, the described factor for determining described appointment second user credit information, can also comprise: from the behavioral data statistical information of specifying described appointment second user collected application scenarios.
In addition, this device can also comprise:
Behavior outcome collector unit, after being applied to intended application scene, collects the behavior outcome information of described appointment second user in described intended application scene for the credit information that described appointment second user is corresponding;
Updating block, for utilizing described behavior outcome information, upgrades the credit information of described appointment second user and described first user.
Destruction operation option providing unit, cancels the option of operation of endorsing to the trust of described second user for being provided for;
Trigger element, during for being received destruction operation that first user performs by this option of operation, triggers redefining the credit information of described second user.
In a word, in the embodiment of the present application, provide the platform carrying out between men trusting endorsement, interpersonal trust endorsement behavior can be converged to like this and carry out together managing and calculating, obtain the credit information of user.Do not rely on unilateral user behavior data statistics due to this credit information, but according in the meeting of user Fiel, other people show to his trust endorsement, therefore, the credit situation embodying user that can be more comprehensive, three-dimensional.And then this credit information can be applied to multiple concrete application scenarios, has good versatility, that the user being convenient to have a good credit can get is more convenient, serve efficiently.In addition, even if user has no credit, card uses behavior record in record, internet, applications etc., if but have other users to carry out trust endorsement for it, this user just can get credit information in this way, and then is no matter that can to enjoy good credit on line or under line be the facility that it brings.
As seen through the above description of the embodiments, those skilled in the art can be well understood to the mode that the application can add required general hardware platform by software and realizes.Based on such understanding, the technical scheme of the application can embody with the form of software product the part that prior art contributes in essence in other words, this computer software product can be stored in storage medium, as ROM/RAM, magnetic disc, CD etc., comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform the method described in some part of each embodiment of the application or embodiment.
Each embodiment in this instructions all adopts the mode of going forward one by one to describe, between each embodiment identical similar part mutually see, what each embodiment stressed is the difference with other embodiments.Especially, for system or system embodiment, because it is substantially similar to embodiment of the method, so describe fairly simple, relevant part illustrates see the part of embodiment of the method.System described above and system embodiment are only schematic, the wherein said unit illustrated as separating component or can may not be and physically separates, parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of module wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.Those of ordinary skill in the art, when not paying creative work, are namely appreciated that and implement.
The method setting up personal credit information database above the application provided and device, be described in detail, apply specific case herein to set forth the principle of the application and embodiment, the explanation of above embodiment is just for helping method and the core concept thereof of understanding the application; Meanwhile, for one of ordinary skill in the art, according to the thought of the application, all will change in specific embodiments and applications.In sum, this description should not be construed as the restriction to the application.
Claims (26)
1. set up a method for personal credit information database, it is characterized in that, comprising:
Receive first user carries out trusting endorsement operation requests to appointment second user, wherein, described first user is at least one;
Determine the credit information of described appointment second user, wherein, for determine the factor of described appointment second user credit information comprise described in receive trust endorsement information;
Preserve the corresponding relation between the mark of described appointment second user and described credit information, set up described personal credit information database.
2. method according to claim 1, is characterized in that, described method also comprises:
The application scenarios of plurality of optional is provided in advance;
Described reception first user carries out the operation requests of trusting endorsement to appointment second user, comprising:
Receive first user carries out trusting endorsement under selected intended application scene operation requests to appointment second user;
The described credit information determining described appointment second user, comprising:
Determine the credit information of described appointment second user under described intended application scene.
3. method according to claim 1, is characterized in that, the system of real name identity information being designated the second user of described appointment second user.
4. method according to claim 3, is characterized in that, when described reception first user carries out the operation requests of trusting endorsement to appointment second user, also comprises:
Be provided for the input control inputting described appointment second user system of real name identity information;
The system of real name identity information of described appointment second user of described first user input is received by described input control.
5. method according to claim 3, is characterized in that, described appointment second user comprises registered user, and carried out system of real name certification when registering, and preserved the system of real name identity information of described second user, described method also comprises:
According to the information of preserving during registration, determine the system of real name identity information of described appointment second user.
6. method according to claim 1, is characterized in that, before receiving first user and carrying out trusting the operation requests of endorsement to appointment second user, described method also comprises:
Obtain the contacts list of described first user;
Described reception first user carries out the operation requests of trusting endorsement to appointment second user, comprising:
Receive first user carries out trusting endorsement operation requests to the designated contact in described contacts list.
7. method according to claim 6, is characterized in that, the mark of described appointment second user comprises the contact method information of the designated contact of preserving in described contacts list.
8. method according to claim 6, is characterized in that, described designated contact comprises registered user, has carried out system of real name certification, and preserve system of real name identity information and the contact method information of user when registering; Described method also comprises:
Utilize the contact method information of the designated contact of preserving in described contacts list, mate with the contact method information of each user preserved in log-on message, determine the system of real name identity information of the second corresponding user;
Corresponding relation between the mark of described preservation described appointment second user and described credit information, comprising:
Preserve the corresponding relation between the system of real name identity information of described second user and described credit information.
9. method according to claim 1, is characterized in that, the described credit information determining described appointment second user, comprising:
Utilize the trust endorsement information and preset credit evaluation model that receive, determine the credit information of described appointment second user.
10. method according to claim 9, is characterized in that, in described credit evaluation model, and the credit information of described appointment second user, relevant by the credit information of endorse number of times and described first user to described appointment second user.
11. methods according to claim 1, is characterized in that, the described factor for determining described appointment second user credit information, also comprises: from the behavioral data statistical information of specifying described appointment second user collected application scenarios.
12. methods according to claim 1, is characterized in that, also comprise:
After credit information corresponding to described appointment second user is applied to intended application scene, collect the behavior outcome information of described appointment second user in described intended application scene;
Utilize described behavior outcome information, the credit information of described appointment second user and described first user is upgraded.
13. methods according to claim 1, is characterized in that, also comprise:
Be provided for cancelling the option of operation of endorsing to the trust of described second user;
When receiving by this option of operation the destruction operation that first user performs, trigger redefining the credit information of described second user.
14. 1 kinds of devices setting up personal credit information database, is characterized in that, comprising:
Request reception unit, carry out trusting the operation requests of endorsing to appointment second user for receiving first user, wherein, described first user is at least one;
Credit information determining unit, for determining the credit information of described appointment second user, wherein, for determine the factor of described appointment second user credit information comprise described in receive trust endorsement information;
Credit information storage unit, for preserving the corresponding relation between the mark of described appointment second user and described credit information, sets up described personal credit information database.
15. devices according to claim 14, is characterized in that, described device also comprises:
Application scenarios providing unit, for providing the application scenarios of plurality of optional in advance;
Described request receiving element specifically for:
Receive first user carries out trusting endorsement under selected intended application scene operation requests to appointment second user;
Described credit information determining unit specifically for:
Determine the credit information of described appointment second user under described intended application scene.
16. devices according to claim 14, is characterized in that, the system of real name identity information being designated the second user of described appointment second user.
17. devices according to claim 16, is characterized in that, described device also comprises:
Input control mentions unit, for being provided for the input control inputting described appointment second user system of real name identity information;
Identity information receiving element, for receiving the system of real name identity information of described appointment second user of described first user input by described input control.
18. devices according to claim 16, is characterized in that, described appointment second user comprises registered user, and carried out system of real name certification when registering, and preserved the system of real name identity information of described second user, described device also comprises:
Identity information determining unit, for according to the information of preserving during registration, determines the system of real name identity information of described appointment second user.
19. devices according to claim 14, is characterized in that, described device also comprises:
Contacts list acquiring unit, for before receiving first user and carrying out trusting the operation requests of endorsement to appointment second user, obtains the contacts list of described first user;
Described request receiving element specifically for:
Receive first user carries out trusting endorsement operation requests to the designated contact in described contacts list.
20. devices according to claim 19, is characterized in that, the mark of described appointment second user comprises the contact method information of the designated contact of preserving in described contacts list.
21. devices according to claim 19, is characterized in that, described designated contact comprises registered user, carried out system of real name certification, and preserve system of real name identity information and the contact method information of user when registering; Described device also comprises:
Contact method information matching unit, for utilizing the contact method information of the designated contact of preserving in described contacts list, mates with the contact method information of each user preserved in log-on message, determines the system of real name identity information of the second corresponding user;
Described credit information storage unit specifically for:
Preserve the corresponding relation between the system of real name identity information of described second user and described credit information.
22. devices according to claim 14, is characterized in that, described credit information determining unit specifically for:
Utilize the trust endorsement information and preset credit evaluation model that receive, determine the credit information of described appointment second user.
23. devices according to claim 22, is characterized in that, in described credit evaluation model, and the credit information of described appointment second user, relevant by the credit information of endorse number of times and described first user to described appointment second user.
24. devices according to claim 14, is characterized in that, the described factor for determining described appointment second user credit information, also comprises: from the behavioral data statistical information of specifying described appointment second user collected application scenarios.
25. devices according to claim 14, is characterized in that, also comprise:
Behavior outcome collector unit, after being applied to intended application scene, collects the behavior outcome information of described appointment second user in described intended application scene for the credit information that described appointment second user is corresponding;
Updating block, for utilizing described behavior outcome information, upgrades the credit information of described appointment second user and described first user.
26. devices according to claim 14, is characterized in that, also comprise:
Destruction operation option providing unit, cancels the option of operation of endorsing to the trust of described second user for being provided for;
Trigger element, during for being received destruction operation that first user performs by this option of operation, triggers redefining the credit information of described second user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510696423.6A CN105354740A (en) | 2015-10-23 | 2015-10-23 | Method and apparatus for establishing personal credit information database |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510696423.6A CN105354740A (en) | 2015-10-23 | 2015-10-23 | Method and apparatus for establishing personal credit information database |
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| CN201510696423.6A Pending CN105354740A (en) | 2015-10-23 | 2015-10-23 | Method and apparatus for establishing personal credit information database |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2018023810A1 (en) * | 2016-08-05 | 2018-02-08 | 王志强 | Information display method for recording sales credit according to mobile phone number and credit system |
| WO2018023809A1 (en) * | 2016-08-05 | 2018-02-08 | 王志强 | Technology usage information acquisition method when recording sales credit and credit system |
| WO2018023808A1 (en) * | 2016-08-05 | 2018-02-08 | 王志强 | Method for recording sales credit according to mobile phone number and credit system |
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| CN104866969A (en) * | 2015-05-25 | 2015-08-26 | 百度在线网络技术（北京）有限公司 | Personal credit data processing method and device |
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Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104866969A (en) * | 2015-05-25 | 2015-08-26 | 百度在线网络技术（北京）有限公司 | Personal credit data processing method and device |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018023810A1 (en) * | 2016-08-05 | 2018-02-08 | 王志强 | Information display method for recording sales credit according to mobile phone number and credit system |
| WO2018023809A1 (en) * | 2016-08-05 | 2018-02-08 | 王志强 | Technology usage information acquisition method when recording sales credit and credit system |
| WO2018023808A1 (en) * | 2016-08-05 | 2018-02-08 | 王志强 | Method for recording sales credit according to mobile phone number and credit system |
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