CN105630995A - Method and system for querying credit - Google Patents
Method and system for querying credit Download PDFInfo
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- CN105630995A CN105630995A CN201510998468.9A CN201510998468A CN105630995A CN 105630995 A CN105630995 A CN 105630995A CN 201510998468 A CN201510998468 A CN 201510998468A CN 105630995 A CN105630995 A CN 105630995A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/951—Indexing; Web crawling techniques
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Abstract
The invention discloses a method and system for querying credit. The method for querying the credit comprises the following steps that a credit database is built and comprises queried client data, client credit data and user data; a querying request initiated by a user in a keyword form is received; corresponding client data is retrieved in the credit database according to keywords, a retrieved result is fed back to the user, and the client data comprises the queried client data and the client credit data; the user data is compared, and the querying request of the user for a corresponding client is recorded in the corresponding queried client data. In the steps, after the database building step, the step that the user newly increases the client credit data is further included. According to the method for querying the credit, the credit data, scattered in many users, of the clients is aggregated to be queried, and therefore the single user acquires a channel for fast acquiring credit information.
Description
Technical field
The present invention relates to communication field, it is specifically related to a kind of credit inquiry method and system.
Background technology
Credit is the basis that economic society is run, in the prior art, the credit information of individual and organizational structure is concentrated and is grasped in government organs, bank and law court on hand, many actives of the control person of these credits or passive credit information has been carried out certain blockade, individual and organizational structure obtain credit information on hand from above-mentioned control person to be needed to meet some requirements or certain program.
In economic activity, individual and organizational structure need the credit information of related side badly, but in prior art, it is difficult to get corresponding credit information from disclosed channel.
Summary of the invention
It is an object of the invention to provide a kind of credit inquiry method and system, to solve the acquisition problem of credit information in prior art.
In order to realize above-mentioned purpose, the present invention provides following technical scheme:
A kind of credit inquiry method, comprises the following steps:
Setting up credit database, described credit database comprises client and is queried data, customers' credit data and user data;
Receive the inquiry request that user initiates with keyword form;
From the corresponding customer data of described credit data library searching and feeding back result for retrieval to described user according to described keyword, described customer data comprises described client and is queried data and described customers' credit data;
Contrast described user data, the inquiry request of corresponding client is recorded in by described user corresponding described client and is queried in data;
In above-mentioned steps, also comprise after the described step setting up credit database:
Described customers' credit data are increased newly by user.
Above-mentioned credit inquiry method, described user is mechanism of individual or entity, and described customer data is individual client's data or organizational structure's customer data.
Above-mentioned credit inquiry method, described user data comprises user ID data and user's categorical data.
Above-mentioned credit inquiry method, described from the corresponding customer data of described credit data library searching according to described keyword and feed back result for retrieval to the step of described user and comprise further:
Described keyword is carried out identification;
Transfer corresponding customer data according to identification result from described credit database and feed back to described user.
Above-mentioned credit inquiry method, described according to described keyword from the corresponding customer data of described credit data library searching and feed back result for retrieval to described user step after comprise further:
If described retrieval does not obtain corresponding described customer data, then newly-built customer data item under described customer data, the client that described customer data item comprises this is queried data.
Above-mentioned credit inquiry method, described client is queried data comprise inquiry times, inquiry time and inquiring user.
Above-mentioned credit inquiry method, the described user data of described contrast, is recorded in described user the step that corresponding described client is queried in data and comprises further the inquiry request of corresponding client:
If same described customer data is carried out once above inquiry by same described user, described inquiry times is recorded as once.
A kind of credit inquiry system, comprising:
Credit database, comprises client and is queried data, customers' credit data and user data;
Keyword query module, receives the keyword query request of user;
Retrieval module, credit database according to described keyword retrieval;
Feedback module, feeds back to described user by index structure;
Record module, is recorded into described client by the query script of described user and is queried data.
Above-mentioned credit inquiry system, also comprises:
Described customers' credit data are increased newly, edit or delete by user's editor module;
Recognition module, carries out identification to described keyword;
Newly-built module, newly-built customer data item under described customer data.
In technique scheme, credit inquiry method provided by the invention, set up and comprise the credit database that client is queried data, customers' credit data, wherein, being queried data and complete by the inquiry of user is passive, customers' credit data are edited by user, so, customer data is completed by numerous users, and the credit data being equivalent to be scattered in client numerous user place gathers for inquiry, so that single user obtains the passage that obtains credit information fast.
Owing to above-mentioned credit inquiry method has above-mentioned technique effect, it is achieved the credit inquiry system of this credit inquiry method also should have corresponding technique effect.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present application or technical scheme of the prior art, it is briefly described to the accompanying drawing used required in embodiment below, apparently, the accompanying drawing that the following describes is only some embodiments recorded in the present invention, for those of ordinary skill in the art, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
The schematic flow sheet of the credit inquiry method that Fig. 1 provides for the embodiment of the present invention;
The schematic flow sheet of another credit inquiry method that Fig. 2 provides for the embodiment of the present invention;
The structure block diagram of the credit inquiry system that Fig. 3 provides for the embodiment of the present invention.
Description of reference numerals:
1, user; 2, credit database; 3, keyword query module; 4, module is retrieved; 5, module is fed back; 6, module is recorded; 7, user's editor module; 8, recognition module; 9, newly-built module.
Embodiment
In order to make the technician of this area understand the technical scheme of the present invention better, below in conjunction with accompanying drawing, the present invention is further detailed.
As shown in Figure 1-2, a kind of credit inquiry method that the embodiment of the present invention provides, comprises the following steps:
101, setting up credit database, credit database comprises client and is queried data, customers' credit data and user data;
Concrete, credit database is for storing the relevant data of various credit, it comprises client and is queried data, customers' credit data and user data, wherein, user data is the relevant data of credit party in request, as credit party in request becomes user by registering and audit, registration process obtains the relevant data of user, such as identity data, the industry, query demand etc., customers' credit data various are looked into the data relevant to credit of target, such as record of borrowing money, the data such as refund record and Administrative Punishment record, client is queried the record being recorded as client and being inquired about by this method, as it was inquired about ten inferior data by all types of user by present method. except above-mentioned data, credit database also can preserve other the credit data relevant to user and client according to actual demand.
In the present embodiment, user and client all can be individual, it is possible to be organizational structure, and organizational structure can be office, cause, enterprise, corporations and other unit, and namely above-mentioned organizational structure all can be used as the main body of credit inquiry, it is possible to becomes the object of credit inquiry.
102, the inquiry request that user initiates is received with keyword form;
Concrete, user opens query page by computer, mobile terminal and other intelligent terminal with screen and input unit, initiates inquiry request by input keyword.
103, from the corresponding customer data of credit data library searching and feeding back result for retrieval to user according to keyword, customer data comprises client and is queried data and customers' credit data;
Concrete, the customer data related to by keyword extracts and feeds back to the user of inquiry, only undertaken retrieving by keyword and data relevant with client in credit database herein and feed back, do not retrieve the data of user itself, namely retrieve and feed back client and be queried data and customers' credit data, do not retrieve and feedback user data.
Keyword retrieval is used by all kinds of search engine, and the present embodiment does not specifically describe its retrieval coupling process.
Customers' credit data can relate to all kinds of credit datas of this client, and client is queried the relevant historical record that data are this client and were inquired about by this querying method.
It should be noted that herein, here client be queried data and customers' credit data all for be specific user, and user is all relative word with client, such as two main body A and B, when A uses the method to go to inquire about B, the relevant information of B is exactly customers' credit data, and the data of A self are exactly user data; And when B uses the method to go to inquire about A, now the relevant information of A is exactly customers' credit data, and the data of B are exactly user data. Namely same data both may be that the relevant information of B is exactly customers' credit data, and the data of A self are exactly user data when A uses the method to go to inquire about B. In varied situations, both same data may be that client is queried data, it is also possible to is user data.
104, contrast user data, the inquiry request of corresponding client is recorded in corresponding client by user and is queried in data;
Concrete, the event that client is this time queried is recorded in client equally and is queried data, is namely queried in data client and adds the record this time looked into. If client was not queried before this, then it is first time by this query note, it is clear that, client is queried data and is automatically generated by the again and again inquiry of user.
In above-mentioned steps, also comprise after step 101:
105, customers' credit data are increased newly by user.
Concrete, two data that the present embodiment relates to customers' credit are queried data and customers' credit data for client, in above-mentioned steps 104, client is queried data and completes by query script is passive by each user, herein, customers' credit data are initiatively completed by user, so, in whole method, the credit data of client is all completed by user, the user of this polydispersion of just credit data of client being comformed gathers so that the credit data that originally can not obtain by single user has been got by the present embodiment.
In the present embodiment, customers' credit data are except completing by user, it is also possible to go to obtain by server or other personnel, such as industrial and commercial registration information, and court's judgement information etc.
Credit inquiry method provided by the invention, set up and comprise the credit database that client is queried data, customers' credit data, wherein, it is queried data to complete by the inquiry of user is passive, customers' credit data are edited by user, and so, customer data is completed by numerous users, the credit data being equivalent to be scattered in client numerous user place gathers for inquiry, so that single user obtains the passage that obtains credit information fast.
In the present embodiment, owing to customers' credit data relate to the vital interests of relative subject (mechanism of individuals and organizations), so only giving user herein to the newly-increased power of customers' credit data, then delete to prevent relative subject is carried out making up of negative credit information by user, ensure that the credit data that user fills in is genuine and believable. Editor and the power of deleting herein can be undertaken by the manager of server, and customers' credit data initiatively or after applying for by user or client are edited or deleted by manager.
In the present embodiment, step 103 comprises further:
1031, keyword is carried out identification;
Between the keyword that user selects and its customer data wanting inquiry not necessarily can exact, therefore by keyword is carried out identification, accurately judge the intention of user, to provide target credit data accurately to user. Keyword is recognized as the prior art of each search engine, and the present embodiment does not repeat.
1032, transfer corresponding customer data according to identification result from credit database and feed back to user.
In the present embodiment, after above-mentioned steps 103, if retrieval does not obtain corresponding customer data, then newly-built customer data item under customer data, the client that customer data item comprises this is queried data. Namely credit database does not comprise the customer data of the client of this inquiry, so now the customer data of system newly-built this client immediately, and the client being recorded to by this query note under this customer data is queried in data. And as optional, also can send an invitation to this user, invite the customers' credit data that it fills in this client.
Obviously, through above-mentioned steps, same keyword at least has a client be queried data when second time is queried, namely first time be queried record.
In the present embodiment, it is preferable that, client is queried data comprise inquiry times, inquiry time and inquiring user. And as preferred, when recording client and be queried data, if same customer data is carried out once above inquiry by same user, inquiry times is recorded as once. So prevent single user from same client inquiring about illusion in a large number that cause the credit inquiry history of this client relatively to enliven.
Further, client is queried data the classification residing for inquiring user can carry out record, as certain client be queried how many times by bank class client, be queried how many times by petty load class company, it is clear that, dissimilar client's inquiry has different implications.
The embodiment of the present invention also provides a kind of credit inquiry system, comprises credit database 2, comprises client and be queried data, customers' credit data and user data; Keyword query module 3, receives the keyword query request of user; Retrieval module 4, according to keyword retrieval credit database; Feedback module 5, feeds back to user by index structure; Record module 6, is recorded into client by the query script of user and is queried data; Customers' credit data are increased newly, edit or delete by user's editor module 7; Recognition module 8, carries out identification to keyword; Newly-built module 9, newly-built customer data item under customer data.
The keyword query module 3 that the present embodiment provides, can run on computer, mobile terminal and the other kinds intelligent terminal with display screen and load module.
Owing to above-mentioned credit inquiry method has above-mentioned technique effect, it is achieved the credit inquiry system of this credit inquiry method also should have corresponding technique effect.
Some one exemplary embodiment of the present invention is only described above by the mode of explanation, undoubtedly, for the those of ordinary skill of this area, when without departing from the spirit and scope of the present invention, it is possible to by various different mode, described embodiment is revised. Therefore, above-mentioned accompanying drawing and description are being explanation property in essence, it should not be interpreted as the restriction to the claims in the present invention protection domain.
Claims (10)
1. a credit inquiry method, it is characterised in that, comprise the following steps:
Setting up credit database, described credit database comprises client and is queried data, customers' credit data and user data;
Receive the inquiry request that user initiates with keyword form;
From the corresponding customer data of described credit data library searching and feeding back result for retrieval to described user according to described keyword, described customer data comprises described client and is queried data and described customers' credit data;
Contrast described user data, the inquiry request of corresponding client is recorded in by described user corresponding described client and is queried in data;
In above-mentioned steps, also comprise after the described step setting up credit database:
Described customers' credit data are increased newly by user.
2. credit inquiry method according to claim 1, it is characterised in that, described user is mechanism of individual or entity, and described customer data is individual client's data or organizational structure's customer data.
3. credit inquiry method according to claim 1, it is characterised in that, described user data comprises user ID data and user's categorical data.
4. credit inquiry method according to claim 3, it is characterised in that, described client is queried the inquiry times of user's categorical data and correspondence thereof described in data comprise.
5. credit inquiry method according to claim 1, it is characterised in that, described from the corresponding customer data of described credit data library searching according to described keyword and feed back result for retrieval to the step of described user and comprise further:
Described keyword is carried out identification;
Transfer corresponding customer data according to identification result from described credit database and feed back to described user.
6. credit inquiry method according to claim 1, it is characterised in that, described according to described keyword from the corresponding customer data of described credit data library searching and feed back result for retrieval to described user step after comprise further:
If described retrieval does not obtain corresponding described customer data, then newly-built customer data item under described customer data, the client that described customer data item comprises this is queried data.
7. credit inquiry method according to claim 1, it is characterised in that, described client is queried data comprise inquiry times, inquiry time and inquiring user.
8. credit inquiry method according to claim 7, it is characterised in that, the described user data of described contrast, is recorded in described user the step that corresponding described client is queried in data and comprises further the inquiry request of corresponding client:
If same described customer data is carried out once above inquiry by same described user, described inquiry times is recorded as once.
9. a credit inquiry system, it is characterised in that, comprising:
Credit database, comprises client and is queried data, customers' credit data and user data;
Keyword query module, receives the keyword query request of user;
Retrieval module, credit database according to described keyword retrieval;
Feedback module, feeds back to described user by index structure;
Record module, is recorded into described client by the query script of described user and is queried data.
10. credit inquiry system according to claim 9, it is characterised in that, also comprise:
Described customers' credit data are increased newly, edit or delete by user's editor module;
Recognition module, carries out identification to described keyword;
Newly-built module, newly-built customer data item under described customer data.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510998468.9A CN105630995A (en) | 2015-12-25 | 2015-12-25 | Method and system for querying credit |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510998468.9A CN105630995A (en) | 2015-12-25 | 2015-12-25 | Method and system for querying credit |
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| CN105630995A true CN105630995A (en) | 2016-06-01 |
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| CN201510998468.9A Pending CN105630995A (en) | 2015-12-25 | 2015-12-25 | Method and system for querying credit |
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| CN106372215A (en) * | 2016-09-06 | 2017-02-01 | 江苏通付盾科技有限公司 | Credit inquiring system and method |
| WO2018058615A1 (en) * | 2016-09-30 | 2018-04-05 | 深圳市华傲数据技术有限公司 | Method and system for data transmission based on data transfer center |
| CN107908736A (en) * | 2017-11-15 | 2018-04-13 | 深圳忠信信息技术有限公司 | Personal information boundling querying method, system and computer-readable recording medium |
| CN108111484A (en) * | 2017-12-03 | 2018-06-01 | 程桂平 | The method and system of credit information is provided for third-party registration |
| CN110114786A (en) * | 2016-12-20 | 2019-08-09 | 索尼公司 | Information processing unit and information processing method |
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