CN106251223A - Counterparty's reliability determines method and apparatus - Google Patents
Counterparty's reliability determines method and apparatus Download PDFInfo
- Publication number
- CN106251223A CN106251223A CN201610615652.5A CN201610615652A CN106251223A CN 106251223 A CN106251223 A CN 106251223A CN 201610615652 A CN201610615652 A CN 201610615652A CN 106251223 A CN106251223 A CN 106251223A
- Authority
- CN
- China
- Prior art keywords
- counterparty
- information
- reliability
- reliability information
- determining
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The disclosure is directed to a kind of counterparty's reliability and determine method and apparatus, wherein, the method includes the mark according to the first counterparty, obtain the reliability information of the first counterparty, and when determining that reliability information meets pre-conditioned, determining that the first counterparty is non-sound dealing side, wherein, reliability information at least includes the one in the credit information of the social networks information between the first counterparty and the second counterparty, the first counterparty.The technical scheme of the disclosure, consider the reliability information such as the social networks information of the first counterparty and the second counterparty and/or the credit information of the first counterparty, and then according to this reliability information and pre-conditioned between relation, determine that the first counterparty is the most reliable, improve the accuracy to first counterparty's assessment, reduce the risk of transaction investment.
Description
Technical field
It relates to financial technology field, determine method and apparatus particularly to a kind of counterparty's reliability.
Background technology
Along with developing rapidly of social economy and information technology, people increase day by day for the demand of capital management.At present,
User is only capable of being borrowed or lent money by bank or loan platform or being invested.For major part user, between income and risk,
That user worries most or investment risk, therefore, good risk evaluation mechanism is for loan platform or financial system
A most necessary part.
At present, the P2P debt-credit network platform is a most widely used loan platform on market, and investor passes through this
Loan platform is only capable of knowing by some essential informations such as the name of investor, age, industries, in the debtor-creditor relationship set up, throws
Money people may be unfamiliar with by investor, and cannot know by the credit information of investor, and this makes investor invest
Potential certain risk in journey.
Summary of the invention
Disclosure embodiment provides a kind of counterparty's reliability and determines method and apparatus.Described technical scheme is as follows:
First aspect according to disclosure embodiment, it is provided that a kind of counterparty's reliability determines that method, the method include:
According to the mark of the first counterparty, obtaining the reliability information of described first counterparty, wherein, described reliability is believed
Breath at least includes one of following: the social networks information between described first counterparty and the second counterparty, described first transaction
The credit information of side；
When determining that described reliability information meets pre-conditioned, determine that described first counterparty is for non-sound dealing side.
Optionally, described pre-conditioned at least include one of following: described first counterparty and described second counterparty it
Between be non-social incidence relation, described first counterparty credit rating less than predetermined threshold value.
Optionally, when determining that described reliability information meets pre-conditioned, determine described first counterparty for non-reliably
After counterparty, including:
Send alert messages, described alert messages be used for reminding the first counterparty described in described second counterparty for non-reliably
Counterparty.
Optionally, when determining that described reliability information meets pre-conditioned, determine described first counterparty for non-reliably
After counterparty, including:
Control the transaction between described second counterparty and described first counterparty to terminate.
Optionally, the social networks letter between described first counterparty and the second counterparty is included in described reliability information
During breath, the described mark according to the first counterparty, obtain the reliability information of described first counterparty, including:
According to the mark of described first counterparty, by inquiry address book data storehouse, obtain described first counterparty and
Social networks information between two counterparties.
Optionally, when described reliability information includes the credit information of described first counterparty, described according to first
The mark of counterparty, obtains the reliability information of described first counterparty, including:
According to the mark of described first counterparty, by inquiring about the account database of described first counterparty, obtain described
The credit information of the first counterparty.
Second aspect according to disclosure embodiment, it is provided that a kind of counterparty's reliability determining device, this device includes:
Acquisition module, is configured to the mark according to the first counterparty, obtains the reliability information of described first counterparty,
Wherein, described reliability information at least includes one of following: the social networks between described first counterparty and the second counterparty
Information, the credit information of described first counterparty；
Determine module, be configured to when determining that described reliability information meets pre-conditioned, determine described first transaction
Fang Weifei sound dealing side.
Optionally, described pre-conditioned at least include one of following: described first counterparty and described second counterparty it
Between be non-social incidence relation, described first counterparty credit rating less than predetermined threshold value.
Optionally, described device also includes: message sends module；
Described message sends module, is configured to determine that module determines that described first counterparty is for non-reliable friendship described
After Yi Fang, send alert messages, described alert messages be used for reminding the first counterparty described in described second counterparty for non-can
By counterparty.
Optionally, described device also includes: transaction control module；
Described transaction control module, is configured to determine that module determines that described first counterparty is for non-reliable friendship described
After Yi Fang, control the transaction between described second counterparty and described first counterparty and terminate.
Optionally, the social networks letter between described first counterparty and the second counterparty is included in described reliability information
During breath, described acquisition module, it is configured to the mark according to described first counterparty, by inquiry address book data storehouse, obtains
Social networks information between described first counterparty and the second counterparty.
Optionally, when described reliability information includes the credit information of described first counterparty, described acquisition module,
It is configured to the mark according to described first counterparty, by inquiring about the account database of described first counterparty, obtains described
The credit information of the first counterparty.
The third aspect according to disclosure embodiment, it is provided that a kind of counterparty's reliability determining device, this device includes:
Processor；
For storing the memorizer of the executable instruction of described processor；
Wherein, described processor is configured to:
According to the mark of the first counterparty, obtaining the reliability information of described first counterparty, wherein, described reliability is believed
Breath at least includes one of following: the social networks information between described first counterparty and the second counterparty, described first transaction
The credit information of side；
When determining that described reliability information meets pre-conditioned, determine that described first counterparty is for non-sound dealing side.
The technical scheme that disclosure embodiment provides can include following beneficial effect:
Mark by the first counterparty obtains the reliability information of the first counterparty, and is determining that this reliability information is full
When foot is pre-conditioned, determine that the first counterparty is non-sound dealing side, owing to this reliability information at least includes the first counterparty
And the second social networks information between counterparty, the first counterparty credit information in one, therefore, the skill of the disclosure
Art scheme, considers the first counterparty and the social networks information of the second counterparty and the credit information etc. of the first counterparty
Reliability information, so according to this reliability information and pre-conditioned between relation, determine that the first counterparty is whether reliable, carry
The high accuracy to first counterparty's assessment, reduces the risk of transaction investment.
It should be appreciated that it is only exemplary and explanatory, not that above general description and details hereinafter describe
The disclosure can be limited.
Accompanying drawing explanation
Accompanying drawing herein is merged in description and constitutes the part of this specification, it is shown that meet the enforcement of the disclosure
Example, and for explaining the principle of the disclosure together with description.
Fig. 1 is the flow chart determining method according to a kind of counterparty's reliability shown in an exemplary embodiment；
Fig. 2 is the flow chart determining method according to a kind of counterparty's reliability shown in another exemplary embodiment；
Fig. 3 is the flow chart determining method according to a kind of counterparty's reliability shown in another exemplary embodiment；
Fig. 4 is the flow chart determining method according to a kind of counterparty's reliability shown in further example embodiment；
Fig. 5 is the flow chart determining method according to a kind of counterparty's reliability shown in further example embodiment；
Fig. 6 is according to a kind of counterparty's reliability determining device block diagram shown in an exemplary embodiment；
Fig. 7 is according to a kind of counterparty's reliability determining device block diagram shown in another exemplary embodiment；
Fig. 8 is according to a kind of counterparty's reliability determining device block diagram shown in another exemplary embodiment；
Fig. 9 is the entity block diagram according to a kind of counterparty's reliability determining device shown in an exemplary embodiment；
Figure 10 is the block diagram according to a kind of counterparty's reliability determining device shown in an exemplary embodiment；
Figure 11 is the block diagram according to a kind of counterparty's reliability determining device shown in an exemplary embodiment.
By above-mentioned accompanying drawing, it has been shown that the embodiment that the disclosure is clear and definite, hereinafter will be described in more detail.These accompanying drawings
With word, the scope being not intended to be limited disclosure design by any mode is described, but by with reference to specific embodiment being
Those skilled in the art illustrate the concept of the disclosure.
Detailed description of the invention
Here will illustrate exemplary embodiment in detail, its example represents in the accompanying drawings.Explained below relates to
During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represents same or analogous key element.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with the disclosure.On the contrary, they are only with the most appended
The example of the apparatus and method that some aspects that described in detail in claims, the disclosure are consistent.
Counterparty's reliability that disclosure embodiment provides determines that method can be applicable to include terminal or the clothes of transaction platform
Business device.Wherein, this terminal can be to have in local data base and this local data base to store to have to download to this end from server
The reliability information of end, and terminal is the electronic equipment having and processing function, such as smart mobile phone, panel computer etc., and take
Business device can be a station server, or the server cluster being made up of some station servers, or a cloud computing service
Center.Disclosure following example all determine method to be applied in server with counterparty's reliability to illustrate.
What deserves to be explained is, counterparty's reliability that the following embodiment of the disclosure provides determine method with the first counterparty and
Second counterparty trading object each other or the most potential trading object illustrate.Such as, the first counterparty can be
Selling object, debt-credit side etc., the second counterparty can be seller, be borrowed or lent money object etc..Disclosure embodiment is not double to transaction
The concrete identity of side is defined.
Further, the following embodiment of the disclosure is mainly to judge whether the first counterparty is that sound dealing side says
Bright.Accordingly, the disclosure can be also used for judging whether the second counterparty is sound dealing side, determines former for concrete judgement
Then being similar to, disclosure embodiment repeats no more.
Fig. 1 is the flow chart determining method according to a kind of counterparty's reliability shown in an exemplary embodiment, such as Fig. 1 institute
Showing, the present embodiment is illustrated with server for executive agent.Counterparty's reliability that disclosure embodiment provides determines
Method can include following several step:
In step s 11, according to the mark of the first counterparty, the reliability information of the first counterparty is obtained.
Wherein, reliability information at least includes one of following: the social networks between the first counterparty and the second counterparty
Information, the credit information of the first counterparty.
Concrete, first obtain the mark of the first counterparty, according to the mark of this first counterparty in the data of server
Storehouse is inquired about the reliability information about the first counterparty, and then judges that the first counterparty whether may be used according to this reliability information
Lean on.
As a kind of example, the reliability information in disclosure embodiment includes two parts.A part is the first transaction
Social networks information between side and the second counterparty, is embodied between the first counterparty and the second counterparty existence social activity
It it is non-social incidence relation between incidence relation or the first counterparty and the second counterparty；Another part is the first counterparty
Credit information, by being analyzed the current consumption of the first counterparty or assets currency data, obtains the first counterparty's
Credit scoring, and then the credit information of the first counterparty is drawn according to the credit scoring situation of the first counterparty.
What deserves to be explained is, the mark of the first counterparty includes being not limited to the name of the first counterparty, identification card number
The essential informations such as code, various accounts.The mark of the first counterparty is not defined by disclosure embodiment, as long as can table
The mark levying first counterparty's identity all may be utilized, and illustrates the most one by one.
In step s 12, when determining that above-mentioned reliability information meets pre-conditioned, determine the first counterparty for non-reliably
Counterparty.
Optionally, disclosure embodiment is analyzed by the reliability information getting step S11, above-mentioned reliably
When degree information meets pre-conditioned, just can determine that the first counterparty in the present embodiment for non-sound dealing side, and then according to the
The setting of two counterparties determines whether to proceed transaction.
Counterparty's reliability that disclosure embodiment provides determines method, obtains the first friendship according to the mark of the first counterparty
The reliability information of Yi Fang, and when determining that this reliability information meets pre-conditioned, determine that the first counterparty is for non-reliable friendship
Yi Fang, and, this reliability information at least includes the social networks information between the first counterparty and the second counterparty, the first friendship
One in the credit information of Yi Fang.The technical scheme of the disclosure, considers the society of the first counterparty and the second counterparty
The reliability information such as the credit information of friendship relation information and the first counterparty, and then according to this reliability information with pre-conditioned
Between relation, determine that the first counterparty is whether reliable, improve the accuracy to first counterparty's assessment, reducing transaction and throwing
The risk of money.
Optionally, as a kind of example, the counterparty's reliability provided at above-described embodiment determines in method, above-mentioned default
Condition at least includes one of following: for non-social incidence relation, the first counterparty between the first counterparty and the second counterparty
Credit rating is less than predetermined threshold value.
Concrete, in the disclosed embodiments, when below the reliability information of the first counterparty meets any one time, just may be used
Determine that the first counterparty is non-reliable first counterparty.It is to say, when judging between the first counterparty and the second counterparty
During for non-social incidence relation, it may be determined that this first counterparty is non-sound dealing side, when the credit rating of the first counterparty is less than
During predetermined threshold value, it is possible to determine that this first counterparty is for non-sound dealing side.
Accordingly, only judge to be social incidence relation between the first counterparty and the second counterparty, and first hands over
When the credit rating of Yi Fang is greater than or equal to predetermined threshold value, just can determine that this first counterparty is for sound dealing side.Therefore, first
When counterparty is sound dealing side, just can perform the sale transaction that the second counterparty initiates.
Optionally, the counterparty's reliability provided at above-described embodiment determines in method, (above-mentioned determining in step S12
When reliability information meets pre-conditioned, determine that the first counterparty is for non-sound dealing side) after, server can be handed over according to second
Arranging of Yi Fang performs different handling processes.Following Fig. 2 and embodiment illustrated in fig. 3 describe two kinds of possible implementations, tool
The embodiment that refer to shown in Fig. 2 and Fig. 3 of body.
As a kind of example, Fig. 2 is to determine method according to a kind of counterparty's reliability shown in another exemplary embodiment
Flow chart.Disclosure embodiment is, on the basis of above-described embodiment, counterparty's reliability being determined, method is furtherly
Bright.As in figure 2 it is shown, the counterparty's reliability in the present embodiment offer determines in method, after step s 12, that is, determining
When reliability information meets pre-conditioned, after determining that the first counterparty is non-sound dealing side, including:
In the step s 21, sending alert messages, for reminding, this first counterparty of the second counterparty is non-to this alert messages
Sound dealing side.
Optionally, in this step, the first counterparty is judged at server according to the reliability information of the first counterparty
During for non-sound dealing side, a kind of possible processing scheme is that server sends information warning, and is pushed to the second transaction
The terminal of Fang Guanlian, reports to the police with triggering terminal, and then prompting this first counterparty of the second counterparty is non-sound dealing side, even
Second counterparty is still traded with this first counterparty, then there may be bigger risk.
Counterparty's reliability that disclosure embodiment provides determines method, is determining that the first counterparty is for non-sound dealing side
Time, send information warning, remind this first counterparty of the second counterparty to be non-sound dealing side in time by this information warning, with
Make the second counterparty weigh again followed by continuous business and still terminate transaction, reduce greatly due to the second counterparty
The problem that the transaction risk that do not knows about the reliability information of the first counterparty and cause is big.
As another kind of example, Fig. 3 is according to a kind of counterparty's reliability side of determination shown in another exemplary embodiment
The flow chart of method.Disclosure embodiment is, on the basis of above-described embodiment, counterparty's reliability being determined, method is furtherly
Bright.The present embodiment is to determine that the first counterparty is the process after non-sound dealing side with the difference of embodiment illustrated in fig. 2
Mode is different.Concrete, as it is shown on figure 3, the counterparty's reliability provided at the present embodiment determines in method, step S12 it
After, that is, when determining that above-mentioned reliability information meets pre-conditioned, after determining that the first counterparty is non-sound dealing side,
Including:
In step S31, control the transaction between the second counterparty and the first counterparty and terminate.
Optionally, in this step, the first counterparty is judged at server according to the reliability information of the first counterparty
During for non-sound dealing side, another possibility processing scheme be server directly control the second counterparty and the first counterparty it
Between transaction terminate, thus avoid the second counterparty potential risks in process of exchange.
Counterparty's reliability that disclosure embodiment provides determines method, is determining that the first counterparty is for non-sound dealing side
Time, control the transaction between the second counterparty and the first counterparty and terminate, so that the second counterparty is known according to the result of transaction
The reliability situation of the first counterparty, reduces the transaction risk between the second counterparty and the first counterparty.
As a kind of example, include the social networks information between the first counterparty and the second counterparty in reliability information
Time, then the embodiment shown in Fig. 4 can be as the alternative implementation of above-mentioned steps S11, and concrete refer to shown in Fig. 4 is real
Execute example.
Fig. 4 is the flow chart determining method according to a kind of counterparty's reliability shown in further example embodiment.These public affairs
Opening embodiment is, on the basis of above-described embodiment, counterparty's reliability being determined, method further illustrates.As shown in Figure 4, exist
When reliability information includes the social networks information between the first counterparty and the second counterparty, above-mentioned steps S11 can be by such as
Lower step S41 realizes.Concrete, according to the mark of the first counterparty, obtain the reliability information of the first counterparty, including:
In step S41, according to the mark of the first counterparty, by inquiry address book data storehouse, obtain the first counterparty
And the social networks information that second between counterparty.
Concrete, first lock the mark of the first counterparty, such as, the information such as name, ID (identity number) card No.；Secondly with surname
Whether name, ID (identity number) card No. etc. are designated foundation, inquire about and have and the first counterparty in the address book data storehouse of the second counterparty
Mark the Query Result of information such as match, obtain between the first counterparty and the second counterparty finally according to Query Result
Social networks information, concrete, the address book data storehouse of the second counterparty exists the mark with the first counterparty and matches
Information time, show between the first counterparty and the second counterparty as social incidence relation, and at the address list of the second counterparty
When data base does not exist the information that the mark with the first counterparty matches, show between the first counterparty and the second counterparty
For non-social incidence relation.
What deserves to be explained is, disclosure embodiment can also be by inquiring about the address book data storehouse of the first counterparty,
The address book data storehouse of one counterparty is inquired about whether have and preset, with the second counterparty, the information that mark matches, if had, true
Fixed is social incidence relation between first counterparty and the second counterparty, otherwise determines between the first counterparty and the second counterparty
For non-social incidence relation.
Optionally, when the social networks information judged between the first counterparty and the second counterparty, it is also possible to by looking into
Ask the second counterparty or the transaction data base of the first counterparty, it is judged that whether transaction data base exists transaction record and transaction
The information such as result, and according to the information in transaction data base, determine the social networks between the first counterparty and the second counterparty
Information.
Optionally, the address list that address book data storehouse is at least one social tool and/or the means of payment in step S41
Data base, wherein, social tool, including: immediate communication tool, SNS platform, wechat, QQ, phone, microblogging etc., the means of payment
Including having all platforms of payment function, such as, the payment of Alipay, Semen setariae, Apple pay, bank card etc..
Concrete, address book data storehouse can be the address book data storehouse of known social tool or the means of payment, such as,
Social tool, including, but not limited to social networking application instruments such as immediate communication tool, SNS platform, wechat, QQ, phone, microbloggings, is propped up
The instrument of paying includes that being also not limited to Alipay, Semen setariae payment, Apple pay, bank card etc. pays application tool, as long as can
The instrument characterizing social networks or financial circulation relation all can be used, and disclosure embodiment is also not limited thereof.?
In embodiment of the disclosure, as long as inquire between the first counterparty and the second counterparty preferably in any of the above-described kind of instrument
Friend's relation or there is transaction record, then then determine between the first counterparty and the second counterparty for social incidence relation.
As a kind of example, address book data storehouse is including, but not limited to the address list data of social tool or the means of payment
Storehouse, as long as can reflect that the data base of interpersonal social networks all can be used, it is not entered by disclosure embodiment
Row limits.
Such as, in daily debtor-creditor relationship, the second counterparty is lender, and the first counterparty is then borrower.As
Really lender and borrower are friend relation, then lender then can according to the daily communication between lender and borrower and
Go and find out what's going on, select moral standing good and the borrower that keeps promise is as object of making loans, so can reduce the risk of bad credit greatly.
As another kind of example, when reliability information includes the credit information of the first counterparty, the then reality shown in Fig. 5
Executing example can be as the alternative implementation of above-mentioned steps S11, and concrete refer to embodiment illustrated in fig. 5.
Fig. 5 is the flow chart determining method according to a kind of counterparty's reliability shown in further example embodiment.These public affairs
Opening embodiment is, on the basis of above-described embodiment, counterparty's reliability being determined, method further illustrates.As it is shown in figure 5,
When reliability information includes the credit information of the first counterparty, above-mentioned steps S11 can realize by S51 as follows.Specifically
, according to the mark of the first counterparty, obtain the reliability information of the first counterparty, including:
In step s 51, according to the mark of the first counterparty, by inquiring about the account database of the first counterparty, obtain
The credit information of the first counterparty.
Concrete, similar with embodiment illustrated in fig. 4, it is necessary first to lock the mark of the first counterparty；Secondly with the
One counterparty is designated foundation, inquire about in the account database of the first counterparty the first counterparty assets currency data and
The information such as current consumption data, and comprehensively analyze the assets currency data in preset time period and current consumption data draw first
The information such as the credit score of counterparty, investment types, finally according to by combining credit score, investment types provide the first transaction
The credit information of side.
As a kind of example, above-mentioned credit score is that transaction platform or server corresponding to loan platform are according to Preset Time
The scoring that a large amount of assets currency datas in Duan and current consumption data are given.Optionally, credit score in the range of 0 to 100,
When credit score is more than 85, it is determined that the credit rating of this first counterparty is outstanding, when credit score is between 75 to 85,
Then determine that the credit rating of this first counterparty is good, when credit score is between 60 to 75, it is determined that this first counterparty
Credit rating general, and when credit score is less than 60, it is determined that the credit rating of this first counterparty is excessively poor.
Optionally, when obtaining the credit score of the first counterparty, the associated credit of the first counterparty can also be considered
Data, such as, about the credit record of the credit card, inquire about the first counterparty and refund the most on time, refunds the most by stages and is
The no information such as bad credit record that exist, and then improve the accuracy of credit score.
Optionally, in the above-described embodiments, it is assumed that the credit score of the first counterparty less than 75 time, then can determine that this first
Counterparty is non-sound dealing side.
Additionally, server also can be according to first counterparty a large amount of assets currency datas in preset time period with daily disappear
Expense data draw the investment types that the first counterparty belongs to, and such as, invest the investment types such as sane type, radical type, conservative, enter
And improve reliability and the accuracy of the credit information that server gets.
Further, first the first counterparty issues the demand information of oneself, now the first counterparty on transaction platform
Mark when issuing demand information must be the most visible, and otherwise the second transaction is convenient cannot be to the credit information of the first counterparty
It is estimated.So, in selling the time period that there is transaction relationship between people and the first counterparty, can in order to improve transaction
Row, the identification information of the second counterparty is externally sightless, and the identification information of the first counterparty is externally visible, so
The privacy of the second counterparty can either be protected, additionally it is possible to make the second counterparty obtain the first transaction according to the mark of the first counterparty
The reliability information of side, determines whether this first counterparty is sound dealing side, thus is that the second counterparty determines whether to continue
Transaction is laid a good foundation, and reduces the risk of Successful Transaction.
Optionally, it is assumed that the second counterparty is debtor-creditor relationship with the type of transaction of the first counterparty, then in the second transaction
After the credit information that side gets the first counterparty, the second counterparty can make loans any zone of reasonableness according to the wish of oneself
The interior amount of money, and same second counterparty can make loans for multiple first counterparties.Being similar to, same first hands over
Easily can receive making loans of multiple second counterparty, the amount of money received is probably the amount of money of its demand, it is also possible to be less than it
The partial amount of demand.
What deserves to be explained is, after the second counterparty is successfully concluded the transaction by transaction platform with the first counterparty, the
After the interest that two counterparties obtain is the transaction platform deduction fee, the interest got according to the ratio of making loans of the second counterparty,
The interest obtained has certain relation with the amount of money of making loans.
The foregoing describe that counterparty's reliability determines method realizes process, and this process can be determined by counterparty's reliability
Device realizes, and will illustrate built-in function and the structure of counterparty's reliability determining device below.The disclosure is filled
Put the details not disclosed in embodiment, refer to method of disclosure embodiment.
Fig. 6 is according to a kind of counterparty's reliability determining device block diagram shown in an exemplary embodiment.This counterparty can
By property determine device can pass through software, hardware or both be implemented in combination with become the some or all of of server.Reference
Fig. 6, this counterparty's reliability determining device includes acquisition module 61 and determines module 62.
This acquisition module 61, is configured to the mark according to the first counterparty, obtains the reliability information of the first counterparty.
Wherein, this reliability information at least includes one of following: the social pass between the first counterparty and the second counterparty
It is information, the credit information of the first counterparty.
This determines module 62, is configured to when determining that reliability information meets pre-conditioned, determines that the first counterparty is
Non-sound dealing side.
Counterparty's reliability determining device that disclosure embodiment provides, can be used for performing counterparty as shown in Figure 1 reliable
Property determines the technical scheme of embodiment of the method, and it is similar with technique effect that it realizes principle, and here is omitted.
Optionally, in counterparty's reliability determining device that above-described embodiment provides, above-mentioned pre-conditioned at least include
One of following: between the first counterparty and the second counterparty be non-social incidence relation, the first counterparty credit rating less than in advance
If threshold value.
As a kind of example, Fig. 7 is according to a kind of counterparty's reliability determining device shown in another exemplary embodiment
Block diagram.Disclosure embodiment is to further illustrate counterparty's reliability determining device on the basis of above-described embodiment.As
Shown in Fig. 7, counterparty's reliability determining device that disclosure above-described embodiment provides, also include: message sends module 71.
This message sends module 71, be configured to determine module 62 determine the first counterparty for non-sound dealing side it
After, send alert messages.
Wherein, for reminding, this first counterparty of the second counterparty is non-sound dealing side to this alert messages.
Counterparty's reliability determining device that disclosure embodiment provides, can be used for performing counterparty as shown in Figure 2 reliable
Property determines the technical scheme of embodiment of the method, and it is similar with technique effect that it realizes principle, and here is omitted.
As another kind of example, Fig. 8 is to determine dress according to a kind of counterparty's reliability shown in another exemplary embodiment
Put block diagram.Disclosure embodiment is to further illustrate counterparty's reliability determining device on the basis of above-described embodiment.
As shown in Figure 8, counterparty's reliability determining device that disclosure above-described embodiment provides, also include: transaction control module 81.
This transaction control module 81, be configured to determine module 62 determine the first counterparty for non-sound dealing side it
After, control the transaction between the second counterparty and the first counterparty and terminate.
Counterparty's reliability determining device that disclosure embodiment provides, can be used for performing counterparty as shown in Figure 3 reliable
Property determines the technical scheme of embodiment of the method, and it is similar with technique effect that it realizes principle, and here is omitted.
Further, in counterparty's reliability determining device that above-described embodiment provides, if reliability information includes the
Social networks information between one counterparty and the second counterparty, the most above-mentioned acquisition module 61, it is configured to according to the first transaction
The mark of side, by inquiry address book data storehouse, obtains the social networks information between the first counterparty and the second counterparty.
Optionally, this address book data storehouse is the address book data storehouse of at least one social tool and/or the means of payment, its
In, social tool, including: immediate communication tool, SNS platform, wechat, QQ, phone, microblogging, the means of payment include: Alipay,
Semen setariae payment, Apple pay, bank card etc..
Further, in counterparty's reliability determining device that above-described embodiment provides, if reliability information includes
The credit information of the first counterparty, the most above-mentioned acquisition module 61, it is configured to the mark according to the first counterparty, by inquiry
The account database of the first counterparty, obtains the credit information of the first counterparty.
About the device in above-described embodiment, wherein modules performs the concrete mode of operation in relevant the method
Embodiment in be described in detail, explanation will be not set forth in detail herein.
The foregoing describing inner function module and the structural representation of counterparty's reliability determining device, Fig. 9 is to show according to one
The entity block diagram of a kind of counterparty's reliability determining device shown in example embodiment, as it is shown in figure 9, this counterparty's reliability is true
Determine device to include: memorizer 91 and processor 92.
This memorizer 91, is configured to store processor executable.
This processor 92, is configured to:
According to the mark of the first counterparty, obtain the reliability information of the first counterparty.
Wherein, reliability information at least includes one of following: the social networks between the first counterparty and the second counterparty
Information, the credit information of the first counterparty.
When determining that reliability information meets pre-conditioned, determine that the first counterparty is for non-sound dealing side.
What deserves to be explained is, in the embodiment of the counterparty's reliability determining device shown in Fig. 9, it should be appreciated that this process
Device can be that (English: Central Processing Unit is called for short: CPU), it is also possible to be that other are general CPU
Processor, digital signal processor (English: Digital Signal Processor, DSP), special IC (English be called for short:
Literary composition: Application Specific Integrated Circuit, is called for short: ASIC) etc..General processor can be micro-place
Reason device or this processor can also be the processors etc. of any routine, and aforesaid memorizer can be read only memory (English
Literary composition: read-only memory, abbreviation: ROM), random access memory (English: random access memory, be called for short:
RAM), flash memory, hard disk or solid state hard disc.SIM is also referred to as subscriber identification card, smart card, digital mobile electricity
Phone must be loaded onto this card and can use.On computer chip, i.e. store the information of digital mobile phone client, encryption close
The contents such as the telephone directory of key and user.Step in conjunction with the method disclosed in the embodiment of the present invention can be embodied directly in hardware
Processor has performed, or completes with the hardware in processor and software module combination execution.
Figure 10 is the block diagram according to a kind of counterparty's reliability determining device shown in an exemplary embodiment.In this enforcement
In example, counterparty's reliability determining device is referred to as device 1000.Such as, device 1000 may be provided in one and transaction is flat
Platform or the server of traction equipment association.With reference to Figure 10, device 1000 includes processing assembly 1022, its farther include one or
Multiple processors, and by the memory resource representated by memorizer 1032, can be by processing what assembly 1022 performed for storage
Instruction, such as application program.In memorizer 1032, the application program of storage can include that one or more each is right
The module of Ying Yuyi group instruction.It is configured to perform instruction, to perform said method additionally, process assembly 1022.
Device 1000 can also include a power supply module 1026 be configured to perform device 1000 power management, one
Wired or wireless network interface 1050 is configured to be connected to device 1000 network, and input and output (I/O) interface
1058.Device 1000 can operate based on the operating system being stored in memorizer 1032, such as Windows ServerTM, Mac
OS XTM, UnixTM, LinuxTM, FreeBSDTM or similar.
Optionally, disclosure embodiment can also use terminal to realize, but in embodiment of the disclosure, terminal is necessary
Be have in local data base and this local data base storage have download to relevant first counterparty of this terminal from server can
Related data by degree information.Embodiment when being realized by terminal with counterparty's reliability determining device below, referring specifically to
Shown in Figure 11.
Figure 11 is the block diagram according to a kind of counterparty's reliability determining device shown in an exemplary embodiment.In this enforcement
In example, counterparty's reliability determining device is referred to as device 1100.Such as, device 1100 can be mobile phone, computer, number
Word broadcast terminal, messaging devices, game console, tablet device, armarium, body-building equipment, personal digital assistant etc..
With reference to Figure 11, device 1100 can include following one or more assembly: processes assembly 1102, memorizer 1104,
Power supply module 1106, multimedia groupware 1108, audio-frequency assembly 1110, input/output (I/O) interface 1112, sensor cluster
1114, and communications component 1116.
Process assembly 1102 and generally control the integrated operation of device 1100, such as with display, call, data communication,
The operation that camera operation and record operation are associated.Process assembly 1102 and can include that one or more processor 1120 performs
Instruction, to complete all or part of step of above-mentioned method.Additionally, process assembly 1102 can include one or more mould
Block, it is simple to process between assembly 1102 and other assemblies is mutual.Such as, process assembly 1102 and can include multi-media module,
With facilitate multimedia groupware 1108 and process between assembly 1102 mutual.
Memorizer 1104 is configured to store various types of data to support the operation at device 1100.These data
Example include on device 1100 operation any application program or the instruction of method, contact data, telephone book data,
Message, picture, video etc..Memorizer 1104 can by any kind of volatibility or non-volatile memory device or they
Combination realizes, such as static RAM (SRAM), Electrically Erasable Read Only Memory (EEPROM), erasable can
Program read-only memory (EPROM), programmable read only memory (PROM), read only memory (ROM), magnetic memory, flash memory
Reservoir, disk or CD.
The various assemblies that power supply module 1106 is device 1100 provide electric power.Power supply module 1106 can include power management
System, one or more power supplys, and other generate, manage and distribute, with for device 1100, the assembly that electric power is associated.
The touch-control of one output interface of offer that multimedia groupware 1108 is included between described device 1100 and user shows
Display screen.In certain embodiments, touching display screen can include liquid crystal display (LCD) and touch panel (TP).Touch panel
Including one or more touch sensors with the gesture on sensing touch, slip and touch panel.Described touch sensor is permissible
Not only sensing touches or the border of sliding action, but also detects the persistent period relevant to described touch or slide and pressure
Power.In certain embodiments, multimedia groupware 1108 includes a front-facing camera and/or post-positioned pick-up head.When device 1100
Being in operator scheme, during such as screening-mode or video mode, front-facing camera and/or post-positioned pick-up head can receive outside many
Media data.Each front-facing camera and post-positioned pick-up head can be a fixing optical lens system or have focal length and light
Learn zoom capabilities.
Audio-frequency assembly 1110 is configured to output and/or input audio signal.Such as, audio-frequency assembly 1110 includes a wheat
Gram wind (MIC), when device 1100 is in operator scheme, during such as call model, logging mode and speech recognition mode, mike quilt
It is configured to receive external audio signal.The audio signal received can be further stored at memorizer 1104 or via communication
Assembly 1116 sends.In certain embodiments, audio-frequency assembly 1110 also includes a speaker, is used for exporting audio signal.
Input and output (I/O) interface 1112 is to process to provide interface between assembly 1102 and peripheral interface module, above-mentioned outside
Enclosing interface module can be keyboard, puts striking wheel, button etc..These buttons may include but be not limited to: home button, volume button,
Start button and locking press button.
Sensor cluster 1114 includes one or more sensor, for providing the state of various aspects to comment for device 1100
Estimate.Such as, what sensor cluster 1114 can detect device 1100 opens/closed mode, the relative localization of assembly, such as institute
Stating display and keypad that assembly is device 1100, sensor cluster 1114 can also detect device 1100 or device 1,100 1
The position change of individual assembly, the presence or absence that user contacts with device 1100, device 1100 orientation or acceleration/deceleration and dress
Put the variations in temperature of 1100.Sensor cluster 1114 can include proximity transducer, is configured to do not having any physics
The existence of object near detection during contact.Sensor cluster 1114 can also include optical sensor, as CMOS or ccd image sense
Device, for using in imaging applications.In certain embodiments, this sensor cluster 1114 can also include acceleration sensing
Device, gyro sensor, Magnetic Sensor, pressure transducer or temperature sensor.
Communications component 1116 is configured to facilitate the communication of wired or wireless mode between device 1100 and other equipment.Dress
Put 1100 and can access wireless network based on communication standard, such as WiFi, 2G or 3G, or combinations thereof.Exemplary at one
In embodiment, broadcast singal or broadcast that communications component 1116 receives from external broadcasting management system via broadcast channel are relevant
Information.In one exemplary embodiment, described communications component 1116 also includes near-field communication (NFC) module, to promote short distance
Communication.Such as, can be based on RF identification (RFID) technology in NFC module, Infrared Data Association (IrDA) technology, ultra broadband
(UWB) technology, bluetooth (BT) technology and other technologies realize.
In the exemplary embodiment, device 1100 can be by one or more application specific integrated circuits (ASIC), numeral
Signal processor (DSP), digital signal processing appts (DSPD), PLD (PLD), field programmable gate array
(FPGA), controller, microcontroller, microprocessor or other electronic components realize, be used for performing said method.
In the exemplary embodiment, a kind of non-transitory computer-readable recording medium including instruction, example are additionally provided
As included the memorizer 1104 of instruction, above-mentioned instruction can have been performed said method by the processor 1120 of device 1100.Example
If, described non-transitory computer-readable recording medium can be ROM, random access memory (RAM), CD-ROM, tape, soft
Dish and optical data storage devices etc..
A kind of non-transitory computer-readable recording medium, when the instruction in described storage medium is by the process of device 1100
When device performs so that device 1100 is able to carry out a kind of method that counterparty's reliability determines.
Those skilled in the art, after considering description and putting into practice invention disclosed herein, will readily occur to its of the disclosure
Its embodiment.The application is intended to any modification, purposes or the adaptations of the disclosure, these modification, purposes or
Person's adaptations is followed the general principle of the disclosure and includes the undocumented common knowledge in the art of the disclosure
Or conventional techniques means.Description and embodiments is considered only as exemplary, and the true scope of the disclosure and spirit are by following
Claims are pointed out.
It should be appreciated that the disclosure is not limited to precision architecture described above and illustrated in the accompanying drawings, and
And various modifications and changes can carried out without departing from the scope.The scope of the present disclosure is only limited by appending claims
System.
Claims (13)
1. counterparty's reliability determines method, it is characterised in that including:
According to the mark of the first counterparty, obtaining the reliability information of described first counterparty, wherein, described reliability information is extremely
Include one of following less: the social networks information between described first counterparty and the second counterparty, described first counterparty
Credit information；
When determining that described reliability information meets pre-conditioned, determine that described first counterparty is for non-sound dealing side.
Method the most according to claim 1, it is characterised in that described pre-conditioned at least include one of following: described the
Between one counterparty and described second counterparty be non-social incidence relation, described first counterparty credit rating less than presetting threshold
Value.
Method the most according to claim 1 and 2, it is characterised in that pre-conditioned determining that described reliability information meets
Time, after determining that described first counterparty is non-sound dealing side, including:
Sending alert messages, described alert messages is used for reminding the first counterparty described in described second counterparty for non-sound dealing
Side.
Method the most according to claim 1 and 2, it is characterised in that pre-conditioned determining that described reliability information meets
Time, after determining that described first counterparty is non-sound dealing side, including:
Control the transaction between described second counterparty and described first counterparty to terminate.
Method the most according to claim 1, it is characterised in that described reliability information include described first counterparty and
During social networks information between the second counterparty, the described mark according to the first counterparty, obtain described first counterparty's
Reliability information, including:
According to the mark of described first counterparty, by inquiry address book data storehouse, obtain described first counterparty and second and hand over
Social networks information between Yi Fang.
Method the most according to claim 1, it is characterised in that include described first counterparty's in described reliability information
During credit information, the described mark according to the first counterparty, obtain the reliability information of described first counterparty, including:
According to the mark of described first counterparty, by inquiring about the account database of described first counterparty, obtain described first
The credit information of counterparty.
7. counterparty's reliability determining device, it is characterised in that including:
Acquisition module, is configured to the mark according to the first counterparty, obtains the reliability information of described first counterparty, its
In, described reliability information at least includes one of following: the social networks letter between described first counterparty and the second counterparty
Breath, the credit information of described first counterparty；
Determine module, be configured to when determining that described reliability information meets pre-conditioned, determine that described first counterparty is
Non-sound dealing side.
Device the most according to claim 7, it is characterised in that described pre-conditioned at least include one of following: described the
Between one counterparty and described second counterparty be non-social incidence relation, described first counterparty credit rating less than presetting threshold
Value.
9. according to the device described in claim 7 or 8, it is characterised in that described device also includes: message sends module；
Described message sends module, is configured to determine that module determines that described first counterparty is for non-sound dealing side described
Afterwards, sending alert messages, described alert messages is used for reminding the first counterparty described in described second counterparty for non-reliable friendship
Yi Fang.
10. according to the device described in claim 7 or 8, it is characterised in that described device also includes: transaction control module；
Described transaction control module, is configured to determine that module determines that described first counterparty is for non-sound dealing side described
Afterwards, control the transaction between described second counterparty and described first counterparty to terminate.
11. devices according to claim 7, it is characterised in that include described first counterparty in described reliability information
And during social networks information that second between counterparty, described acquisition module, it is configured to the mark according to described first counterparty
Know, by inquiry address book data storehouse, obtain the social networks information between described first counterparty and the second counterparty.
12. devices according to claim 7, it is characterised in that include described first counterparty in described reliability information
Credit information time, described acquisition module, be configured to the mark according to described first counterparty, by inquiry described first
The account database of counterparty, obtains the credit information of described first counterparty.
13. 1 kinds of counterparty's reliability determining device, it is characterised in that described device includes:
Processor；
For storing the memorizer of the executable instruction of described processor；
Wherein, described processor is configured to:
According to the mark of the first counterparty, obtaining the reliability information of described first counterparty, wherein, described reliability information is extremely
Include one of following less: the social networks information between described first counterparty and the second counterparty, described first counterparty
Credit information；
When determining that described reliability information meets pre-conditioned, determine that described first counterparty is for non-sound dealing side.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610615652.5A CN106251223A (en) | 2016-07-28 | 2016-07-28 | Counterparty's reliability determines method and apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610615652.5A CN106251223A (en) | 2016-07-28 | 2016-07-28 | Counterparty's reliability determines method and apparatus |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106251223A true CN106251223A (en) | 2016-12-21 |
Family
ID=57605977
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610615652.5A Pending CN106251223A (en) | 2016-07-28 | 2016-07-28 | Counterparty's reliability determines method and apparatus |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106251223A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107194808A (en) * | 2017-04-21 | 2017-09-22 | 防城港市丰禾曲辰农业科技有限公司 | A kind of management method that financial transaction is realized with block chain |
| CN108320225A (en) * | 2018-03-07 | 2018-07-24 | 深圳前海微众银行股份有限公司 | It transfers accounts control method, platform, system, computer readable storage medium |
| CN110175914A (en) * | 2019-04-17 | 2019-08-27 | 苏宁易购集团股份有限公司 | Network trading handles method and device |
-
2016
- 2016-07-28 CN CN201610615652.5A patent/CN106251223A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107194808A (en) * | 2017-04-21 | 2017-09-22 | 防城港市丰禾曲辰农业科技有限公司 | A kind of management method that financial transaction is realized with block chain |
| CN108320225A (en) * | 2018-03-07 | 2018-07-24 | 深圳前海微众银行股份有限公司 | It transfers accounts control method, platform, system, computer readable storage medium |
| CN110175914A (en) * | 2019-04-17 | 2019-08-27 | 苏宁易购集团股份有限公司 | Network trading handles method and device |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| TWI730524B (en) | Identity authentication method, device and system | |
| US11762528B1 (en) | Mobile application with dynamic feature set | |
| US9519934B2 (en) | Restricted access to online banking | |
| US20150026056A1 (en) | Completing mobile banking transaction from trusted location | |
| US20150026057A1 (en) | Completing mobile banking transaction with different devices | |
| US20150170148A1 (en) | Real-time transaction validity verification using behavioral and transactional metadata | |
| US20160275486A1 (en) | Device, system, and method for creating virtual credit card | |
| US20130036051A1 (en) | Non-near field communication point of sale experience | |
| US20170193515A1 (en) | Method for determining if a current wallet-based transaction initiated by a digital wallet user is fraudulent | |
| US20120116957A1 (en) | System and method for populating a list of transaction participants | |
| US11113684B2 (en) | Device, system, and method for creating virtual credit card | |
| US9646342B2 (en) | Remote control for online banking | |
| US20140006275A1 (en) | Electronic identification and notification of banking record discrepancies | |
| US10482451B2 (en) | Method of using bioinformatics and geographic proximity to authenticate a user and transaction | |
| US20160275488A1 (en) | Device, system, and method for creating virtual credit card | |
| CN107844977A (en) | A kind of method of payment and device | |
| CN107944848A (en) | Monetary settlement method, apparatus and electronic equipment | |
| US20150026053A1 (en) | Online banking alerts | |
| CN109241252A (en) | Consulting replies method, apparatus, electronic equipment and storage medium | |
| US11489794B2 (en) | System for configuration and intelligent transmission of electronic communications and integrated resource processing | |
| CN110910137A (en) | Credit digital certificate transfer method, terminal and readable storage medium | |
| CN106251223A (en) | Counterparty's reliability determines method and apparatus | |
| CN108446905B (en) | Payment method and device and electronic equipment | |
| KR102233559B1 (en) | Electronic device for brokering membership by escrow system | |
| CN107977842A (en) | Ideal money exchanging method, device and electronic equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20180821 Address after: 100000 Beijing Beijing economic and Technological Development Zone, Chuang Chuang fourteen Street 99, 33 D Building 2 level 2243. Applicant after: Beijing millet Payment Technology Co., Ltd. Address before: 100085 Huarun Qingcai Street 68, Haidian District, Beijing, two stage, 9 floor, 01 rooms. Applicant before: BEIJING XIAOMI MOBILE SOFTWARE Co.,Ltd. |
|
| TA01 | Transfer of patent application right | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20161221 |
|
| RJ01 | Rejection of invention patent application after publication |