CN106447434A - Personal credit ecological platform - Google Patents
Personal credit ecological platform Download PDFInfo
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- CN106447434A CN106447434A CN201610825075.2A CN201610825075A CN106447434A CN 106447434 A CN106447434 A CN 106447434A CN 201610825075 A CN201610825075 A CN 201610825075A CN 106447434 A CN106447434 A CN 106447434A
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- G—PHYSICS
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- G—PHYSICS
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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- 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
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- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses a personal credit ecological platform, which is structured by a display layer, a middle layer and a data layer; the display layer is a front client platform, the middle layer is a background service platform, and the data layer is a data warehouse system; the whole ecological platform consists of a management end, a personal credit module, a merchant module, a payment flow, and a mobile APP. The platform data base is deep, the data quality is alive, the accuracy is high, the scale is wide, and the time track is rich, the data volume is huge and the dimension is wide. The platform deeply excavates the personal credit data, realizes the credit evaluation, provides the complete personal credit status, realizes the personal credit tracking management, and further controls the risk; besides, the client complaint procedure is added. The platform achieves the recommendation of potential and sustainable developed individual client for merchant users, and realizes the bidirectional push.
Description
Technical field
The present invention relates to a kind of credit platform, specifically personal credit ecology platform.
Background technology
Existing personal credit platform only can carry out the label of some clients in the data that own system provides at present
Change, sort out, and according to classification to pushes customer partial service.Prior art is all set up on the data basis of own system,
It is difficult to accomplish data sharing, client's magnitude is little, data dimension covering scope is limited and has certain stressing.Prior art according only to
Data carries out labeling to client and classification is processed.Credit evaluation deeply it is impossible to complete personal credit situation is provided it is impossible to
Control is carried out to risk.Faithlessness management service is it is impossible to being monitored, analyze to personal credit situation it is impossible to providing lifting letter
Managerial integration.Because data volume is little and unilateral, prior art is only capable of according to own service demand to pushes customer partial service.
The credit evaluation of prior art does not cover vendor it is impossible to reach bidirectional pushing.It is only unidirectional evaluation, no customer complaint link.
Content of the invention
It is an object of the invention to provide personal credit ecology platform, to solve the problems, such as to propose in above-mentioned background technology.
For achieving the above object, the present invention provides following technical scheme：
Personal credit ecology platform, is built by following three level：Represent layer, intermediate layer data layer, described represent layer is front
End customer platform, intermediate layer is background service platform, and data Layer is data warehouse, and described represent layer is in firewall protection
Under, carry out customer interaction operation, realize system man machine interface close friend convenient；Described intermediate layer is to be opened based on plug-in component operation framework
The distributed system sent out, whole system architecture adopts C/S framework, carries out data buffering management；Described data Layer is deposited
Storage data, docking is complete to join collage-credit data warehouse, and data is deposited in the separation of physics so that data warehouse is not required to want issued transaction, recovery
With concurrent control mechanism it is ensured that the stability of data and confidentiality, fast dock the modeling of on-line analytical processing data.
As the further scheme of the present invention：The operation flow of described personal credit ecology platform is by user's registration/login
Start, user presses option typing, upload personal information and data respectively, platform carries out online comparison to personal information, and
The each network account being authorized by user, mailbox obtain user network information；After Macro or mass analysis personal information, calculated by model
To credit score, integrate out personal credit report, thus obtaining the accrediting amount, under this amount obtain credit services；Entirely give birth to
State platform is by management end, individual letter module, merchant module, payment flow, mobile five module compositions of APP.
As the present invention further scheme：Described management end includes management platform INTERFACE DESIGN, user management, mechanism
Management, Role Management, rights management, client's label dictionary, manager's modification user tag, log query, password modification, agreement
Management, name menu manager, credit score and amount matching list, tripartite's credit score query interface, personal credit's machine account typing, index pipe
Reason, model management, model calculation rule definition, user model corresponding relation, reference divide calculating, trade company's certificate manual examination and verification, phase
Limit, the maintenance of interest rate matrix, parameter maintenance, objection examination ＆ verification, short message interface, mobile terminal service provide.
As the present invention further scheme：Described letter module includes personal credit data acquisition, user's registration, user
Login, real-name authentication, user profile amended record, personal authorization data collection, transaction journal inquiry, personal information report queries, Ke Hubiao
Sign setting, buy application list, the electric business purchase page, personal loan's application, personal sequence information inquiry, personal credit report objection
Complaint.
As the present invention further scheme：Described merchant module includes Merchants register, commodity are issued, financial products are sent out
Cloth, repayment schedule table, little loan application competition for orders, trade company's querying commodity information, merchant transaction flowing water.
As the present invention further scheme：Described payment flow includes commodity purchasing, withdraws deposit.
As the present invention further scheme：Described mobile APP includes IOS, Android and wechat platform.
Compared with prior art, the invention has the beneficial effects as follows：
（1）Platform data basis is deep, and the quality of data comprising is fresh and alive, accuracy is high, scope is wide and the times locus enrich, and melts
Closed personal essential information, Transaction Information, personalized lending information, operator's informaiton, life information, Behavior preference, electric business information,
Social information, credit information, Unionpay's information, and the comprehensively information such as government organs, data volume is huge, and dimension is wide.
（2）Realize according to the different reference model of different population characteristic's distribution, using data mining and cloud computing technology
Reach online real-time deep analysis and predict.
（3）Depth excavates personal credit data, realizes credit evaluation, provides complete personal credit situation, realizes personal
Credit tracking and managing, and then control is carried out to risk, and add customer complaint program.
（4）Result based on big data depth analysis provides the precision marketing service of refinement and the credit consulting clothes of specialty
Business, using based on credit, individual, financial institution, businessman etc. are linked in many ways, realize finance class one-stop service it is only necessary to
One account, meets the high-quality service of inter-trade, trans-sectoral business, provides various finance and general goods credit services, realizes producing
The vertical search of product and recommendation.
（5）According to the different business corresponding difference analysis model of trade company, help the credit capacity of trade company accurate evaluation user,
Reduce the risk of trade company.And provide loan post analysis model, user behavior after monitoring trading for trade company, reduce risk after borrowing.For business
Family reduces obtains objective cost.
（6）Little Wei financing corporation is led to and ecological platform is included in the credit evaluation of common trade company, according to characteristic information analysis to
While individual client's recommended products, realize recommending potential and sustainable development individual client to trade company user, reach bidirectional pushing.
Brief description
Fig. 1 is the functional frame composition of personal credit ecology platform.
Fig. 2 is the business process map of personal credit ecology platform.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation description is it is clear that described embodiment is only a part of embodiment of the present invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of not making creative work
Embodiment, broadly falls into the scope of protection of the invention.
Refer to Fig. 1～2, in the embodiment of the present invention, personal credit ecology platform, built by following three level：Represent
Layer, intermediate layer data layer, described represent layer is front-end customer platform, and intermediate layer is background service platform, and data Layer is data
Warehouse system, described represent layer is under firewall protection, carries out customer interaction operation, realizes system man machine interface close friend just
Victory, workable, reduce operation, the memory of user as far as possible；Described intermediate layer is being developed based on plug-in component operation framework
Individual distributed system, whole system architecture adopts typical C/S framework, carries out data buffering management；Described data Layer is deposited
Storage data, docking is complete to join collage-credit data warehouse, have subject-oriented, high integration, time variation, non-volatile the features such as, physics
Separation deposit data so that data warehouse is not required to want issued transaction, recovery and concurrent control mechanism it is ensured that the stability of data
And confidentiality, fast dock on-line analytical processing（OLAP）Data models.
The main business workflow of described personal credit ecology platform is by user's registration/login（Available mobile phone or
Mailbox is registered）, user press option respectively typing, upload personal information and data, platform is compared online to personal information and is tested
Card, and authorize by user each network account, the acquisition user network information such as mailbox；After Macro or mass analysis personal information, pass through
Model calculate to credit score, integrate out personal credit report, thus obtaining the accrediting amount, under this amount obtain credit clothes
Business.Entirely ecological platform is by management end, individual letter module, merchant module, payment flow, mobile five module compositions of APP, each module
Function is as shown in table 1.
The each functions of modules of table 1 illustrates table
（1）Credit service for life：
The businessman that individual letter system access various product is good, quality is high, public praise is pretty good, and personal related life kind service, base
Result in big data depth analysis provides the precision marketing service of refinement and the credit consultancy service of specialty, with basic credit
Based on product, provide financial product, physical goods promotion service using credit, individual, financial institution, businessman etc. are entered in many ways
Row link.For little loan class service, platform can provide the user the minimum loan transaction of interest rate.With regard to other online tourisms, guarantor
Danger, shopping, lodging, food and drink, rent a house, hire a car, love and marriage, the scene such as recruitment, also can be enjoyed by the system：Exempt from cash pledge, exempt from mortgage,
High priority etc. services.
The accrediting amount：Based on big data depth analysis result press full connection graduation distribution can the accrediting amount, and then can carry out
Quickly withdraw deposit, borrow money, depending on the amount of loaning bill is by client's residue credit line, borrows money and serial issue may be selected simultaneously.
Quickly withdraw deposit application after financing corporation's competition for orders credit, user can directly withdraw deposit in Alipay, bank card and wechat, real
Existing installment reimbursement；And project of borrowing money is mainly for the existing financial product of little Dai company, its amount of money, by stages, interest rate all fixing,
Distribute fixing company, without competition for orders.
Quickly withdraw deposit online：
According to a full connection point distribution accrediting amount, user user submits application in platform application-quickly withdraw deposit（Oneself remaining credit
The amount of money within amount and issue）, individual center-order inquiries generate order；Each passes through registration and the gold of examination ＆ verification
Melt company and all personal informations meeting amount application can be inquired by company's platform, Ge little Dai company can be in platform
Carry out robbing single operation, the order got can be paid the bill；Payment can directly be squeezed in the account of applicant's selection（Alipay/
Bank card/wechat）, realize the same day to account, and support Duo Jia receiving bank（Do not support chip card and the credit card）, applicant simultaneously
Personal information-credit machine account occurs credit information（Including exchange hour, contract number, dealing money（Unit）, issue, interest rate, little
Borrow Business Name, product type, state, and refund entry.Overdue entry occurs when occurring overdue, and little Dai company can be
The expected amount of money is set in company's platform.
Buy financial product：
According to a full connection point distribution accrediting amount, user is platform application-I will withdraw deposit in borrowing money application（Oneself remaining credit
The amount of money within amount and issue）, individual center-order inquiries generate order；Little Dai company can enter in platform
Row is paid the bill（Financial product is directed to specific little Dai company, without competition for orders）；Applicant's personal information-credit machine account occurs
Credit information（Including exchange hour, contract number, dealing money（Unit）, issue, interest rate, little loan Business Name, product type, shape
State, and refund entry.Overdue entry occurs when occurring overdue, and little Dai company can arrange expected gold in company's platform
Volume.
Old user can apply for being lifted amount, for the first time after the examination ＆ approval of lifting amount, need to be spaced 3 days and could initiate lifting volume again
The application of degree.Lifting amount request normal condition can complete in examination ＆ approval in 1-3 days.User ensure to withdraw deposit after refund record good,
The information such as the verity of guarantee data and extra submission debit card, house property, car product can lift credit line.The data that user submits to
More, the probability obtaining credit max amount is higher.Refusal process is carried out for the applicant's system providing false data.
Bill and user management：
Inquiry bill and refund
User can click on individual center-credit machine account understanding and withdraw deposit and refund situation；Every repayment date will be by user bound
Bank card automatically refunded, Quan Lian reference company can the payment of joint China Unionpay, Alipay etc. it is ensured that user's fund peace
Entirely.
The refund date calculates
Loaning bill can independently select 2-6 month to wait different refund issues, each issue repayment specific amount.Redemption date is from fund to account day
Meter, does not support payment beforehand in advance.Monthly repayment date be from the next month that user borrows money loaning bill day monthly, if user 2014
On August is borrowed money for 8, and number was 3 phases by stages, then user from next month i.e. September in 2014 be within 8th first phase repayment date, in the same manner 10
The moon 8, November 8 are the monthly refund date of user.If of that month only 28/29/30 day, and debit date is 29/30/31
Day,（The situation that debit date this month does not have）Of that month last day is then selected to close.
Overdue process
If the bank account that user withdraws deposit is in repayment date, and Sorry, your ticket has not enough value and leads to refund unsuccessfully, Late Payment Fee will be produced, and exceed
Phase situation record is in personal credit ecosystem, and is published to the cooperative credits such as Chinese Credit net blacklist on the net, uses when serious
Family undertakes corresponding legal responsibility.
User management
User logs in joins reference corporate internet, APP, wechat end entirely, enters customer center, can inquire about user's information.
Do shopping by stages：After the completion of the user succeeding in registration freely carries out credit evaluation by Quan Lian reference company, Ke Yi
During platform application-by stages is purchased, according to credit line（Remaining available）Quan Lian reference company is purchased by stages physical goods in store/
Service carries out on-line purchase, need not any down payment, can voluntarily select installment reimbursement (different product payback period different), meanwhile,
Order is generated in individual center-order inquiries；General goods company can carry out competition for orders confirmation in platform, and sends
Product, inputs express delivery odd numbers；Sequence information occurs in applicant's personal information-shopping cart；After client receives goods, shopping
The amount of money starts to squeeze into trade company's account number by stages；Virtual Service product（As travelling products etc.）Realization enjoys first service, rear installment reimbursement.
Trade company confirms an order and forms both sides' purchase contract, and individual client's residue credit line is reduced when the time comes, believes after refunding on schedule
Gone up with amount.
Finance and money management：Set up the financing platform to bank, the Internet financing corporation etc., by the financing of bank and financing corporation
Product by loaning bill side, degree of risk, redeem transfer way and classified it is recommended that to suitable individual client（According to personal duty
Industry, age, hobby, income etc., are integrated by big data and machine learning algorithm analysis draws）；Submitted to according to user simultaneously and borrow
Financing handle data, by user carry out scoring grading it is recommended that scoring rating scale sub-category to bank, the Internet financing corporation
Etc. being recommended, reach two-way choice.
After client buys finance product, in assets management module, the letter such as assets, income is shown with forms such as data, charts
The dynamic change of breath, the indexs such as flow direction, earning rate, payoff period, profit margin of providing with funds, uncertainty analysis to be carried out simultaneously,
The ability to ward off risks is judged.
Financial management：Personal user can check credit machine account, transaction journal, consumer record etc. in individual center, and arranges
User's financial management module, supports the Data Enter by consumption type classification, management, analyzes process, with dynamic graphics and text combination side
Formula provides multiple accounts forms to show（Acquiescence accounts classification is provided, and classification can be changed according to user's request）；Support user certainly
Main setting budget amount, provides over-expense Warning Service, client can arrange account form and early warning/indicating mode on demand；Support
Line obtains personal financial report, clear control individual's cash liquidity and assets dynamic change.
Trade company's user's financial management module equally comprises Data Enter, management and analysis process.Data Enter provides acquiescence
Accounts are classified, and can change classification according to user's request；Financial analysis provides financial data prediction（Income from sales, cost,
Schedule of fixed assets and balance sheet and profit and distribution detail list）, Indices Analysis（The financial profitability of reflection
Index：Financial internal rate of return (FIRR), rate of return on investment, financial net present value, profit-investment ratio, profit and tax investment ratio, capital profit
Rate）, and uncertainty analysis, breakeven analysis, sensitivity analyses etc.；Support online acquisition trade company financial report, clear control
Trade company's cash liquidity and assets dynamic change.
（2）Credit Information Services：
Quan Lianfen：The calculating of Quan Lianfen is related to data collection, data analysiss, model three processes of calculating, whole realization dynamicization certainly
Process.Ecological platform data amount is huge, and dimension is wide, abundant in content, realizes different according to different population characteristic's distribution simultaneously
Reference model, reaches the analysis of online real-time deep using data mining and cloud computing technology and predicts, be client's giving credit and
Credit services provide air control guarantee it is ensured that each link of platform is run.
A. data collection：
The information providing during credit main body registration of website user, including personal essential information（Name, type of credential, certificate
Number, age, address, work unit, office telephone, mobile phone）, student status, occupation, phone set meal, the credit of other credit investigation systems
Scoring, house property, vehicle, income, account number binding, family members, footprint, life range, social account number（Microblogging, wechat, QQ）, consumption note
The data such as record.2nd, certainly take a picture（Identity is taken, family life is taken, social networkies picture）And upload with Copy of ID Card, simultaneously
Carried out by big data analysis and machine learning techniques, consistent with international politics unicom network inquiring and authenticating address name and identification card number
Property, to related partner can technical field of face recognition such as vivo identification technology be pupil tracking path and according to display will
Seek the method doing random action to judge its correctness, realizing user and identity card is the examining it was demonstrated that " I is body of same person
People on part card ".3rd, online authorization process is the process of Data Integration and analysis, that is, based on personal multiple types of data, comprehensive
Close and judge personal credit.Data Source mainly includes：First is the private data that user actively submits to, is only awarded by user
The information that power is just recognized that, the username and password that applicant authorizes logs in（As electric business website, net purchase transaction account
Family, Net silver query page, first consume post-pay telephone bandset expense account, payment on terms of insurance etc.）Obtain credit main body
My related consumer, the data of income aspect.The Credit Statement flowing water information that is recognized that including mailbox mandate, social activity
Network（Tengxun's microblogging, Sina weibo, Renren Network etc.）Mandate can see the account of concern and the information of good friend's circle.Second is
Force to authorize acquired information, force mandate can obtain cell phone active path, internet client by telecom operators
IP address, thus recognize the regional information residing for user, call-information etc.；Applied by host（SDK）Obtainable movement
The type of the application software of terminal localization, and user behavior report.3rd is public data, does not need user just to authorize
It is recognized that information, specifically include by search keyword obtainable public information in a search engine.4th is special
The black list database of door, including promise breaking record etc., essentially from the cooperative institution of Quan Lian reference company.5th is third party's conjunction
Make the information of mechanism's offer, the account association that is shared or reading by acquirement authorizes of these data is realized.Wherein for silver
Row account verification product, obtains the transaction record of 90 days, account in all information of account and current state, payment system and is queried
Record etc.；For the account providing online log-on message, then periodically obtain the transaction of renewal online by username and password
Record.4th, platform is reported by internet data, information agent reports itself non-traditional credit payment information, help consumer to amass
Tired credit record, consumer can also by report platform report oneself income, assets, consuming behavior, social information, help
Consumer carries out comprehensive credit appraisal.Outside traditional credit information, the account of periodicity credit payment feature is equally had to include
The information such as rent, water, electricity, coal gas, cable television, telecommunications service, the scope that this category information is covered is more, the personal letter for assessment
With situation, the predictive ability lifting Rating Model has certain effect.（1）Non-traditional credit payment information, specifically includes rent and props up
The information of paying（Address/rent per month/payment of hire from date/bill Expiration Date/payment frequency/payment accounts/house-owner's phone e-mail
Etc. contact details/house-owner's operation address）, all kinds of public utilities and telecommunication payment information（Organization/account/bill Expiration Date/
Payment frequency/upload bill payment authority or the online log-on message filling in account）, the subscription information of the website such as papers and magazines
（Subscribe to Business Name/account/Expiration Date/online log-on message of payment frequency/account etc.）.（2）Assets category information, including house
Information, income information（The monthly income amount of money）, various bank account informations（Bank Name/code/account/Account Type/account exists
Line log-on message etc.）.These information can be made a report on by information agent online it is also possible to upload proof literary composition that is scanned, taking pictures
Part information, can also realize online veritification information, automatic data collection updates transaction record by the username and password of account.5、
Platform is reported by internet data, information agent reports itself traditional transaction with credit information data, including credit card letter
Breath（Account/type/bill Expiration Date/online login user information）, home mortgage loan information（Date/month of buying house is refunded golden
Volume/repayment date/refund frequency/loan row title and code/online log-on message of account/account）.6th, public channel obtains consumption
The public information of person, including information such as law court's executed person information, court decision, lawsuits, and estimate consumer family income,
House property value etc., as the useful supplement of consumer credit information, is incorporated in personal credit report.
The information that table 2 user is gathered during application loan
Table 3 obtains data by the Internet
| Data type | Source | Explanation |
| Flow of information | Taobao, Jingdone district, Amazon | The website obtaining others'evaluation obtains your degrees of comparison |
| Cash flow | Alipay, wealth are paid logical | Data is flowed out in the cash inflow of on-line payment account（Whether Check-Out Time, data volume are consistent with sale of goods data） |
| Logistics | Shen Tong, the express delivery such as with the wind | Logistics data judges unit and home address, telephone number |
| Social networkies | QQ/ wechat/microblogging | Analyzing personal personality, interest, experience and friend-making, self-introduction, awards, homepage link, true man's photo etc. |
| Offline businesses | With written notes, dig wealth note | Small-sized book keeping operation software analysis property status and debt situation |
B. data analysiss：
On-line processing is carried out to data warehouse, data is carried out extract in conjunction with task, visual analyzing, and then utilize data mining
Algorithm sets up data available index, and INDEX MANAGEMENT divides base values and derivative index two parts, and base values is original index, spreads out
Raw index is the classification index after being clustered using analytic hierarchy process (AHP) (analytic hierarchy process, AHP) analysis
（Including nature situation, professional situation, home background, white list etc.）, background maintenance can be carried out.According to fuzzy mathematics degree of membership
Principle, establish the score function of indices, and determine the weight of each index, finally build one's credit Rating Model（Different
Type crowd has different indexs and weight）, and determine the threshold values at different levels of credit scoring.
Identification is carried out by big data analysis and machine learning techniques, information is abundanter true, and score basis more fill
Point, the accrediting amount is higher.
C. model distribution：
Background service system can distribute personal acquiescence Rating Model unitedly, or is individually distributed according to the personal information verified, examine
Rating Model, reaches different qualities crowd and has different reference models.Big data service homepage shows that model calculates knot
The full connection point of fruit.The foundation of model combines statistic algorithm and neural network algorithm, distribution model and the stream calculating full connection point
Journey is as shown below, defines basic and derivative index respectively, and data is carried out with processing, selects particular model, and model distributes
Weight parameter and other specification, calculated goes out result.
Credit report is inquired about：Cross pooled classification personal data, form complete personal reference report, in ecological platform-greatly
Data, services-credit report interface can automatically generate personal credit report, and provides pdf to download.Compared with prior art, information
The amount of covering is bigger：The data that inputs during credit main body registration of website user and the user name that authorized by applicant with
The data that code entry obtains（As electric business website, net purchase trading account, Net silver query page etc. obtain credit main body
The data of related consumer/income aspect, the Credit Statement flowing water information that mailbox mandate is recognized, social networkies mandate is seen
The account of concern and the information of good friend's circle）, force to authorize acquired information（Telecom operators, internet client IP ground
Location etc.）, public data（Do not need user to authorize the information being just recognized that, specifically include and existed by search keyword
Obtainable public information in search engine）, special black list database（Including promise breaking record etc., essentially from Quan Lianzheng
The cooperative institution of letter company）, the data that provides of Unionpay's data and government organs.Essential information based on user, debt paying ability, repay
Debt wish, future growth, finance or life requirement etc. set up user's portrait and user credit archives.
While depth digging user characteristic, Quan Lian reference company carries out to information verifying, relation recognition, cross validation
With evaluation, realize online generation credit report, and download is provided.And People's Bank of China also be may link to by personal credit ecology platform,
Obtain People's Bank of China individual reference report.
Blacklist is inquired about：Summary information is carried out cluster analyses, extracts blacklist related data, including promise breaking record etc.
（Cooperative institution essentially from Quan Lian reference company）, set up comprehensively proprietary black list database, as whole data warehouse
A dimension.Realize little Wei financing corporation data to upload, and the blacklist Sharing Management of reference company.
Online offer RBL inquiry, input inquiry condition setting is personal name, type of credential and passport NO..
Analysis client debt-credit data, if user withdraws deposit account repayment date Sorry, your ticket has not enough value and lead to refund unsuccessfully, overdue
Situation can record in personal credit ecosystem, and it is online to be published to the cooperative credits such as Chinese Credit net blacklist.
Risk-warning services：Based on big data monitor in real time and double-deck judgement offline, process on framework in Spark big data
Depth mining data intension, by setting up risk information system, realizes traditional overall risk early warning（Front-end business）With inside
Control（Background support）Comprehensive, depth integration, realize risk identification, analysis, evaluation, reply equivalent risk management process and internal control
The internal control process such as matrix, Internal Control Evaluation, Flaw evaluation and rectification carries out many-sided insertion by ecological platform in operation,
The risk control of offer project's earlier stage, the examination of project mid-term, the policing services in project later stage, realize real-time Risk-warning.
Warning System functional design is risk indicator, Risk-warning, internal control three part composition, can be according to client
Demand is concurrently or separately adjusted, and processing procedure is interrelated by data, and three portion link are then relatively independent.With standard
The way to manage changed and effective data association pattern improve early warning efficiency and effect.
Anti- fraud service：Set up anti-fraud rule base using data mining technology；Identity is carried out by online data detection
Identification, sets up identity fraud model；Based on neural network model（Imitate human brain thinking model it will be appreciated that between variable
Complex relationship）Set up fraud identifying system, on the one hand monitoring customer consumption information, is analyzed to transaction data, using behavior
Sorting technique identifies behavioral pattern, defines fraudulent transactions, sets up personal user's fraud model, on the other hand trade company's behavior is entered
Row identification, sets up trade company's model；Using adaptive analysis technology and Automatic Calibration Technique, realize the anti-automatic tune cheating model
Whole.According to the appeal play of applicant, it is analyzed identifying, can modify, whiten etc. to the blacklist of upload behaviour at any time
Make.
（3）Safety management aspect is supplemented
1st, individual privacy protection and reference industry management rules are closed and are regulated reason.
Quan Lian reference company signs electronic protocol with user, and user authorizes Quan Lian reference company that user's information is carried out
Collection and use, authorize Quan Lian reference company that user's information is supplied to third company and use, Quan Lian reference company pair
Userspersonal information holds in close confidence.
2nd, fund security
Quan Lian reference company payment unions are precious, China Unionpay pays it is ensured that the fund security of user.
3rd, cryptosecurity
After User logs in, system automatically saves user's logging status each time, forgets Password after exiting, and can click on and [forget close
Code], password replacement is carried out by the cell-phone number that user binds, password of withdrawing deposit can carry out password weight by the phone number of user
Put.
If mobile phone is lost, we can provide following measures to ensure the account safety of user, if bank's card number of change binding,
Need to submit to this human hand held identity card picture to carry out authentication, personal photo and identity card picture are both needed to and original licensed information
It coincide, if not fund cannot be gone to other people bank accounts with the account of user by me.
The security framework target of whole ecosystem is to find and block security breaches, prevention, find, prevent, using or
Various security incidents and accident are disposed in the illegal activity carrying out for system, improve system safety coefficient it is ensured that computerized information
System is available safely.From longitudinal physical security, data safety, network security, application safety, in terms of Host Security five, to horizontal
Identity discriminating, access control, security audit, content safety, recovery and redundancy, the protection individual of intrusion defense 6 aspect three-dimensional
With legal person's privacy information and system operation safety.
Table 4 security framework
User operation user behaviors log Life cycle record
Realize user from log-on message modification, submit to log-on message, User logs in, credit, lifting credit line, operation of withdrawing deposit,
Monthly payment plan, by stages purchase select commodity, add the user operation lifecycle management operation days such as collection, means of payment payment
Will vestige record.
It is obvious to a person skilled in the art that the invention is not restricted to the details of above-mentioned one exemplary embodiment, Er Qie
In the case of the spirit or essential attributes of the present invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, embodiment all should be regarded as exemplary, and be nonrestrictive, the scope of the present invention is by appended power
Profit requires rather than described above limits, it is intended that all in the implication and scope of the equivalency of claim by falling
Change is included in the present invention.Any reference in claim should not be considered as limiting involved claim.
Moreover, it will be appreciated that although this specification is been described by according to embodiment, not each embodiment only wraps
Containing an independent technical scheme, only for clarity, those skilled in the art should for this narrating mode of description
Using description as an entirety, the technical scheme in each embodiment can also form those skilled in the art through appropriately combined
Understandable other embodiment.
Claims (7)
1. personal credit ecology platform is it is characterised in that built by following three level：Represent layer, intermediate layer data layer, institute
Stating represent layer is front-end customer platform, and intermediate layer is background service platform, and data Layer is data warehouse, at described represent layer
Under firewall protection, carry out customer interaction operation, realize system man machine interface close friend convenient；Described intermediate layer is based on plug-in unit
Operation frame and a distributed system developing, whole system architecture adopts C/S framework, carries out data buffering management；
Described data Layer data storage, docking is complete to join collage-credit data warehouse, and data is deposited in the separation of physics so that data warehouse does not need
Issued transaction, recovery and concurrent control mechanism, it is ensured that the stability of data and confidentiality, fast dock on-line analytical processing sum
According to modeling.
2. personal credit according to claim 1 ecology platform is it is characterised in that the industry of described personal credit ecology platform
By user's registration/login, user presses option typing, upload personal information and data respectively to business flow process, and platform is to personal letter
Breath carries out online comparison, and each network account being authorized by user, mailbox obtain user network information；Macro or mass analysis
After people's information, by model calculate to credit score, integrate out personal credit report, thus obtaining the accrediting amount, in this amount
Lower acquisition credit services；Entirely ecological platform is by management end, individual letter module, merchant module, payment flow, mobile five moulds of APP
Block is constituted.
3. personal credit ecology platform according to claim 2 is it is characterised in that described management end includes management platform circle
Face design, user management, organization management, Role Management, rights management, client's label dictionary, manager's modification user tag, day
Will inquiry, password modification, consultative management, name menu manager, credit score and amount matching list, tripartite's credit score query interface, individual
Credit machine account typing, INDEX MANAGEMENT, model management, model calculation rule definition, user model corresponding relation, reference divide calculating,
Trade company's certificate manual examination and verification, time limit, the maintenance of interest rate matrix, parameter maintenance, objection examination ＆ verification, short message interface, mobile terminal service provide.
4. personal credit ecology platform according to claim 2 is it is characterised in that described letter module includes personal credit
Data acquisition, user's registration, User logs in, real-name authentication, user profile amended record, personal authorization data collection, transaction journal are looked into
Inquiry, the setting of personal information report queries, client's label, purchase apply for that the page is bought in list, electric business, personal loan applies for, personal
Sequence information inquiry, personal credit report objection complaint.
5. personal credit ecology platform according to claim 2 is it is characterised in that described merchant module includes trade company's note
Volume, commodity issue, financial products issue, repayment schedule table, little loan application competition for orders, trade company's querying commodity information, merchant transaction stream
Water.
6. personal credit ecology platform according to claim 2 is it is characterised in that described payment flow includes commodity purchase
Buy, withdraw deposit.
7. personal credit according to claim 2 ecology platform it is characterised in that described mobile APP include IOS,
Android and wechat platform.
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| CN201610825075.2A CN106447434A (en) | 2016-09-14 | 2016-09-14 | Personal credit ecological platform |
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|---|---|---|---|
| CN201610825075.2A CN106447434A (en) | 2016-09-14 | 2016-09-14 | Personal credit ecological platform |
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