CN106789436A - A kind of reference report-generating method and system - Google Patents
A kind of reference report-generating method and system Download PDFInfo
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- CN106789436A CN106789436A CN201611245802.4A CN201611245802A CN106789436A CN 106789436 A CN106789436 A CN 106789436A CN 201611245802 A CN201611245802 A CN 201611245802A CN 106789436 A CN106789436 A CN 106789436A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L43/00—Arrangements for monitoring or testing data switching networks
- H04L43/06—Generation of reports
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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Abstract
The invention discloses a kind of reference report-generating method and system, the method includes：Receive the request of reference report generation；Judge that authorization message database whether there is and the reference report generation corresponding authorization message of request；Wherein, authorization message includes authorization code and Taxpayer Identification Number；If so, then sending authorization message to collage-credit data source systems, the basic data of collage-credit data source systems return is received and stored；Basic data is pre-processed, critical data is extracted；Reported according to default form generation reference according to critical data；The present invention authorizes again the mode of Real-time Collection collage-credit data by first acquisition user, solving the problems, such as the collage-credit data of user may reveal and abuse, improve security of the invention, and reference report is generated after carrying out processing on real-time treatment, real-time parallel statistical analysis to the collage-credit data of Real-time Collection, the ageing and accuracy problem of the reference report of generation is solved, Consumer's Experience is enhanced.
Description
Technical field
The present invention relates to financial field, more particularly to a kind of reference report-generating method and system.
Background technology
With the development of internet finance, increasing personal, little Wei enterprises seek to finance, borrow or lend money by internet
Financial service.Internet finance has expedited the emergence of the credit information that borrower is grasped to personal and business standing data, services demand, can
To help bank and other financial mechanism more fully to understand credit object, debtor's dolus malus, excessively the credit wind such as debt are taken precautions against
Danger.
Reference is to collect in accordance with the law, arrange, preserving, processing the credit information of natural person, legal person and its hetero-organization, and is externally carried
For services such as credit report, credit evaluation, credit information consultings, help client to judge, control credit risk, carry out credit management
Activity.Reference service range covers credit, bond, personal consumption credit, commercial credit etc., be related to individual, enterprise, bank,
The multiclass main market players such as non-bank financial institution, professional services organization and government department.
In the prior art, credit investigation system is typically all that reference report is generated by the way of offline, i.e., by advance mutual
Networking is collected the collage-credit data of all kinds of enterprises or individual or gathers collage-credit data to cooperative institution, then working process generation reference
Report, when the user desires, inquires about corresponding reference report and is supplied to user.But it is this to gather pretreated mode in advance,
Generally there is ageing and accuracy problem, that is, the data for gathering are probably older data, it is impossible to which real reflection user works as
Preceding credit situation, and the inefficiency that generation reference is reported, generally take more than one day；Furthermore, due to being not obtain use
Family just gathers and the related data of storage credit in the case of authorizing, and easily causes leakage and the abuse of privacy of user data.Cause
How this, obtain and process collage-credit data in real time, generation reference report, improves the ageing and accuracy of reference report, is existing
The problem of modern urgent need to resolve.
The content of the invention
It is an object of the invention to provide a kind of reference report-generating method and system, to obtain the situation that user authorizes
Under, collage-credit data is obtained and processed in real time, generation reference report improves the ageing and accuracy of reference report, strengthens user
Experience.
In order to solve the above technical problems, the present invention provides a kind of reference report-generating method, including：
Receive the request of reference report generation；
Judge that authorization message database whether there is and the corresponding authorization message of the reference report generation request；Wherein,
The authorization message includes authorization code and Taxpayer Identification Number；
If so, then sending the authorization message to collage-credit data source systems, the collage-credit data source is received and stored
The basic data that system is returned；
The basic data is pre-processed, critical data is extracted；
Reported according to default form generation reference according to the critical data.
Optionally, judge that authorization message database whether there is and the corresponding authorization message of the reference report generation request
Afterwards, also include：
If the authorization message database does not exist the authorization message corresponding with the reference report generation request,
The authorization message of input is obtained, and stores the authorization message to the authorization message database, performed and awarded described in sending
Power information to collage-credit data source systems, the step of receive and store the basic data that the collage-credit data source systems are returned.
Optionally, the authorization message of input is obtained, including：
The login page of the collage-credit data source systems is jumped to, user is obtained the collage-credit data source systems and is given birth to
Into authorization code；Wherein, the authorization code includes the corresponding term of validity；
Obtain the authorization code and the Taxpayer Identification Number of input.
Optionally, the basic data that the collage-credit data source systems are returned is received and stores, including：
Judge whether to receive the basic data；
If so, then storing the basic data, execution is pre-processed to the basic data, extracts the step of critical data
Suddenly；
If it is not, then obtaining and storing the authorization message being input into again, perform and send the authorization message to collage-credit data
Origin system, the step of receive and store the basic data that the collage-credit data source systems are returned.
Optionally, reported according to default form generation reference according to the critical data, including：
Parallel data analysis is carried out to the critical data using spark technologies, and reference is generated according to default form
Report.
Optionally, this programme also includes：
It is spaced at preset timed intervals from the authorization message database and obtains the authorization message；
The authorization message to the collage-credit data source systems is sent, the collage-credit data source systems are received and store
The basic data of return；
The basic data is pre-processed, critical data is extracted；
Monitoring data is generated according to predetermined format according to the critical data.
Optionally, monitoring data is formed according to the critical data, including：
The reference is generated according to the critical data according to default form to report.
Additionally, present invention also offers a kind of reference report preparing system, including：
Certificate Authority module, for receiving the request of reference report generation；Judge that authorization message database whether there is and institute
State reference report generation and ask corresponding authorization message；Wherein, the authorization message includes authorization code and Taxpayer Identification Number；
Data acquisition module, for when the authorization message database is in the presence of corresponding with the reference report generation request
During authorization message, the authorization message is sent to collage-credit data source systems, receive and store the collage-credit data source systems
The basic data of return；
Collage-credit data storehouse, for storing the basic data；
Data preprocessing module, for being pre-processed to the basic data, extracts critical data；
Reference report generation module, for being reported according to default form generation reference according to the critical data.
Optionally, the Certificate Authority module, also includes：
Acquiring unit, for not existing institute corresponding with the reference report generation request when the authorization message database
When stating authorization message, the authorization message of input is obtained, and store the authorization message to the authorization message database, will
The authorization message is sent to the data acquisition module.
Optionally, the acquiring unit, including：
Subelement is redirected, the login page for jumping to the collage-credit data source systems makes to be levied described in user's acquisition
The authorization code of letter data source systems generation；Wherein, the authorization code includes the corresponding term of validity；
Subelement is obtained, the authorization code and the Taxpayer Identification Number for obtaining input.
Optionally, the data acquisition module, including：
Judging unit, for judging whether to receive the basic data；
Transmitting element, for when the basic data is received, sending basic data to the collage-credit data storehouse；When not
When receiving the basic data, the instruction of the authorization message for obtaining input again is sent to the Certificate Authority module.
Optionally, the reference report generation module, including
First reference report generation unit, for carrying out parallel data analysis to the critical data using spark technologies,
And reported according to default form generation reference.
Optionally, this programme also includes：
Data monitoring service module, the mandate letter is obtained for being spaced at preset timed intervals from the authorization message database
Breath；The authorization message to the collage-credit data source systems is sent, is received and is stored the collage-credit data source systems and return
Basic data；The basic data is pre-processed, critical data is extracted；According to the critical data according to predetermined format
Generation monitoring data.
Optionally, the data monitoring service module, including：
Second reference report generation unit, for generating the reference report according to default form according to the critical data
Accuse.
A kind of reference report-generating method provided by the present invention, including：Receive the request of reference report generation；Judge to authorize
Information database whether there is and the corresponding authorization message of the reference report generation request；Wherein, the authorization message includes
Authorization code and Taxpayer Identification Number；If so, then sending the authorization message to collage-credit data source systems, receive and store described
The basic data that collage-credit data source systems are returned；The basic data is pre-processed, critical data is extracted；According to described
Critical data is reported according to default form generation reference；
It can be seen that, the present invention can be obtained formerly by the basic data by authorization message acquisition collage-credit data source systems
Obtain user and authorize the mode for gathering collage-credit data again, solving the problems, such as the collage-credit data of user may reveal and abuse.Improve
Security of the invention, pre-processes by basic data, extracts critical data；According to critical data according to default lattice
Formula generation reference report, can carry out life after processing on real-time treatment, real-time parallel statistical analysis to the collage-credit data of Real-time Collection
Into reference report, the ageing and accuracy problem of reference report is solved so that reference report can timely and effectively reflect use
The credit situation at family, enhances Consumer's Experience.Additionally, present invention also offers a kind of reference report preparing system, equally having
Above-mentioned beneficial effect.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Inventive embodiment, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
The accompanying drawing of offer obtains other accompanying drawings.
A kind of flow chart of reference report-generating method that Fig. 1 is provided by the embodiment of the present invention；
The flow chart of another reference report-generating method that Fig. 2 is provided by the embodiment of the present invention；
The user of another reference report-generating method that Fig. 3 is provided by the embodiment of the present invention obtains authorization message flow
Figure；
The flow of the generation monitoring data of another reference report-generating method that Fig. 4 is provided by the embodiment of the present invention
Figure；
A kind of structure chart of reference report preparing system that Fig. 5 is provided by the embodiment of the present invention；
A kind of specific deployment schematic diagram of reference report preparing system that Fig. 6 is provided by the embodiment of the present invention.
Specific embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
A part of embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art
The every other embodiment obtained under the premise of creative work is not made, belongs to the scope of protection of the invention.
Refer to Fig. 1, a kind of flow chart of reference report-generating method that Fig. 1 is provided by the embodiment of the present invention.The party
Method can include：
Step 101：Receive the request of reference report generation.
Wherein, reference report generation request can be that the user for logging in reference report preparing system sends within the system
The request of generation reference report.For the mode that login user sends the request of reference report generation in reference report preparing system,
The reference report generation button during user clicks on reference report preparing system can be logged on, reference report life is sent to the system
Into request；Can also give tacit consent to after the User logs in system to send reference report generation to the system and ask, the present embodiment is to this
It is unrestricted.
It is understood that above-mentioned login user can be the user into reference report preparing system, such as reference report
Generation system can be a page for public generation reference report, and user enters page click reference report generation and presses
Key, sends reference report generation and asks to the system；Can also be, in the registered user for logging in the system of the system, such as to use
Family enters the page of reference report preparing system, it is necessary to first log in registered account, then click on reference report generation button, to
The system sends the request of reference report generation.The present embodiment is unrestricted to this.
Step 102：Judge that authorization message database authorizes letter with the presence or absence of corresponding with the reference report generation request
Breath；Wherein, the authorization message includes authorization code and Taxpayer Identification Number；If so, then entering step 103.
It is understood that judge that authorization message database whether there is in the present embodiment asks right with reference report generation
The authorization message answered, can be for the user for registering and logging in reference report preparing system, it is to avoid user needs every time
Generation reference is both needed to be input into authorization message when reporting, such as can be when first time generation reference is reported, the mandate letter being inputted
Breath is saved in authorization message database, when needing generation reference to report after the user, can directly be reported according to reference and given birth to
The information searching of the user is to the corresponding authorization message being saved in authorization message database into request and uses.
That is, do not carry out being both needed to be input into authorization message when this step makes user need generation reference to report every time,
It is exactly in the absence of authorization message database in reference report preparing system, it is also possible to reach purpose the present embodiment pair of the present embodiment
This is unrestricted.
It should be noted that because the generation of reference report generally requires the concerning taxes data of user, in the present embodiment
What is chosen for the authorization message of user is the authorization code that can verify of tax office system and receive that reference report preparing system is docked
Tax people's identifier.The other systems that authorization message can also be docked according to reference report preparing system increase corresponding information, this
Embodiment is unrestricted to this.
If it is understood that authorization message database exist with the reference report generation corresponding authorization message of request,
Illustrate that login user once used reference report preparing system, can be walked according to the authorization message being once input into and preserve
Rapid 103；If authorization message database do not exist with the reference report generation corresponding authorization message of request, illustrate that login user can
Can be incorrect using reference report preparing system or the authorization message being once input into for the first time, can be by login user in reference report
Input authorization message storage is to authorization message database in accusing generation system, then carries out step 103.
The mode for being input into authorization message in reference report preparing system for login user can levied for login user
Letter report preparing system provides the input of authorization message input window, or the mode that login user is more maintained secrecy using other
Input, the present embodiment is unrestricted to this.
Step 103：The authorization message to collage-credit data source systems is sent, the collage-credit data source is received and store
The basic data that system is returned.
Wherein, what collage-credit data source systems can be for needed for reference report preparing system gathered data reports life with reference
The system that docking interaction can be carried out into system, such as reference report preparing system need to gather the concerning taxes data of user, will can award
Weighted code and Taxpayer Identification Number are sent to request of the tax office system as data acquisition, wait tax office system verification authorization code and receive
Concerning taxes data are returned after the validity of tax people's identifier.Collage-credit data source systems can also be main strategies system.As long as
By authorization message or the basic data that collage-credit data source systems are returned can be received, the present embodiment with collage-credit data for coming
The specific embodiment that origin system is interacted does not do any limitation.And collage-credit data source systems are not defined, here
Collage-credit data source systems can be refer to obtain basic data docking external system, can include tax office system,
The government department such as industrial and commercial system service system.Tax office system is such as docked, from the concerning taxes data of each Individual Income Tax office collection taxpayer, including
Back ground Information, financial data, data of paying taxes, invoice data of enterprise etc.；Or industrial and commercial system is docked, the industry and commerce for obtaining enterprise is stepped on
Numeration evidence, data of putting on record, change data, mortgage data, management data, administrative penalty data etc..
It is understood that because can be carried out in tax office system to the calibration link of authorization code and Taxpayer Identification Number,
Whether the concerning taxes data that therefore can be returned by judging whether to receive tax office system judge to verify and succeed, if so, then can be with
Ensuing concerning taxes data are pre-processed by following step, if it is not, then proving the authorization code of user input and receiving
Tax people identifier there is mistake or the authorization code of preservation have passed through the term of validity originally, and user can be pointed out to be input into mandate again
Code and Taxpayer Identification Number；Or when tax office system verifies authorization code and unsuccessful Taxpayer Identification Number, reported to reference and given birth to
Into the unsuccessful feedback information of system back-checking, authorization code is input into again by reference report preparing system prompting user and is paid taxes
People's identifier.The present embodiment is unrestricted to this.
It should be noted that after reference report preparing system receives the basic data that collage-credit data source systems are returned, being
After can more easily basic data be called, can be by basic data storage to reference report preparing system
Collage-credit data storehouse, the basic data is not stored directly carrying out pretreatment to the basic data by following step to reach
To the purpose of the present embodiment, the present embodiment does not do any limitation to this.
Step 104：The basic data is pre-processed, critical data is extracted.
It is understood that pretreatment can according to data collage-credit data source systems return basic data, carry out
Data cleansing is operated, convenient extraction next to critical data.Critical data can be such as taxpayer's essential information, comprising paying taxes
People's identifier, taxpayer's title, organization mechanism code, registered capital etc.；Again can be as extracted financial information, comprising asset-liabilities
Information, profit information, cash stream information etc..Extraction for critical data can be by designer according to practical scene and user
Demand is configured, and the present embodiment is unrestricted to this.
Step 105：Reported according to default form generation reference according to the critical data.
Wherein, reported according to default form generation reference according to critical data, it is possible to use spark technologies are to crucial number
According to carrying out parallel data analysis, and reported according to default form generation reference.Can be with root for the pattern that generation reference is reported
The form correspondence pre-set according to designer is generated, and the present embodiment is unrestricted to this.
In the present embodiment, the embodiment of the present invention is by the basic number by authorization message acquisition collage-credit data source systems
According to, can be in the way of formerly obtaining user's mandate and gather collage-credit data again, the collage-credit data for solving user may be revealed and abused
Problem.Security of the invention is improve, is pre-processed by basic data, extract critical data；According to crucial number
According to according to default form generation reference report, the collage-credit data of Real-time Collection can be carried out processing on real-time treatment, in real time simultaneously
After row statistical analysis generate reference report, solve reference report ageing and accuracy problem so that reference report can and
When effective reflection user credit situation, enhance Consumer's Experience.
Refer to the flow of another reference report-generating method that Fig. 2 and Fig. 3, Fig. 2 are provided by the embodiment of the present invention
Figure；The user of another reference report-generating method that Fig. 3 is provided by the embodiment of the present invention obtains authorization message flow chart.Should
Method can include：
Step 201：Receive the request of reference report generation.
Step 202：Judge that authorization message database authorizes letter with the presence or absence of corresponding with the reference report generation request
Breath；If it is not, then entering step 203；If so, then entering step 204.
Wherein, step 201 and step 202 are similar to step 101 and step 102, will not be repeated here.
Step 203：The authorization message of input is obtained, and stores the authorization message to the authorization message data
Storehouse.
It is understood that being needed by collage-credit data source systems because user obtains the authorization code in authorization message
Tax office system generation, therefore reference report preparing system can provide obtain authorization code button, or directly provide redirect
To the page link of the login page of tax office system, user is set to obtain the authorization code of the tax office system generation, the present embodiment pair
This is unrestricted.
Wherein, user obtain the mode of authorization message can be shown in Fig. 3, can specifically including：
Step 301：Reference report preparing system receives Client-initiated authorization requests.
Wherein, authorization requests can be the mandate of click reference report preparing system when login user needs to obtain authorization code
Button, to the request that reference report preparing system sends.
Step 302：Jump to the login page of tax office system.
It is understood that after reference report preparing system receives the authorization requests, can be as directly redirected in this implementation
To the login page of the tax office system in collage-credit data source systems, facilitate the quick royalities office system of user.
Step 303：Tax office system receives the tax office username and password of input, completes authentication.
Wherein, user can be input into username and password, the concerning taxes service of tax office in the login page of the tax office system for redirecting
System of users carries out authentication.
Step 304：Tax office system receives user's authorization.
It is understood that after authentication of the tax office system to user passes through, user can be awarded in tax office system
Power is operated, and may specify the authorization code term of validity, and such as specified authorization code during providing a loan effectively, believe by the privacy of user that adequately protects
Breath, it is to avoid abuse.
Step 305：Tax office system generates authorization code and the corresponding term of validity.
Wherein, tax office system can generate authorization code and right according to the Authorized operation of user and the authorization code the specified term of validity
The term of validity answered, returns to user.After user's authorized access code, the input of reference report preparing system is can return to comprising the authorization code
Authorization message.
It is understood that the flow chart that the user that Fig. 3 is shown obtains authorization message includes that tax office system generates mandate
The process of code, the process for tax office system generation authorization code can change according to the content of tax office system correspondence, the present embodiment
The link for jumping to the collage-credit data source systems such as tax office system is simply provided in reference report preparing system, facilitates user
Operation, for generate authorization code detailed process do not do any limitation
Step 204：The authorization message to collage-credit data source systems is sent, judges whether to receive the basic number
According to；If so, then entering step 205；If it is not, then entering step 203.
It is understood that after authorization message is sent to collage-credit data source systems by reference report preparing system, reference
Data source systems can be verified with authorization message, be proved to be successful backward reference report preparing system and returned to basic data, such as
Tax office system verifies the validity of Taxpayer Identification Number information and authorization code information, after verification passes through, returns to taxpayer corresponding
Concerning taxes data.Therefore reference report preparing system can be with by whether receiving basic data judges collage-credit data source systems pair
Whether the verification of authorization message succeeds.If verifying successfully, step 205 can be entered, the basic data to receiving is stored；
If verifying successfully, step 203 can be entered, obtained again by the authorization message of user input.
Step 205：Store the basic data that the collage-credit data source systems are returned.
Wherein, the basic data that storage collage-credit data source systems are returned can be reference report preparing system by the basis
Data Cun Chudao collage-credit datas storehouse.
Step 206：The basic data is pre-processed, critical data is extracted.
Wherein, step 206 is similar to step 104, will not be repeated here.
Step 207：Parallel data analysis is carried out to the critical data using spark technologies, and according to default form
Generation reference report.
It is understood that spark technologies can carry out parallel data analysis, such as reference report generation system to critical data
System can carry out parallel statistical computation using spark technologies to critical data, the enterprise of analysis in real time basic status, corporate tax letter
With, financial position of the enterprise, enterprise management condition etc., and reported according to default form generation enterprise reference.
It should be noted that the method provided in the present embodiment is authorized to generation reference report from user, all it is real-time
Treatment, the parallel computing of internal memory is based on reference to spark, reference report can be quickly generated in several minutes.
In the present embodiment, the embodiment of the present invention can be such that user more facilitates by jumping to the login page of tax office system
Acquisition authorization code, improve Consumer's Experience, may determine that collage-credit data is originated system by judging whether to receive basic data
Whether system succeeds to authorization message verification, makes whether correctly user more quickly understands the authorization message oneself being input into, further
Improve Consumer's Experience.
Based on any of the above-described embodiment, the link being monitored to the collage-credit data of user can be added, make banking
System can user repay during regular monitoring and update user collage-credit data.
Refer to Fig. 4, the generation monitoring number of another reference report-generating method that Fig. 4 is provided by the embodiment of the present invention
According to flow chart.The method can include：
Step 401：It is spaced at preset timed intervals from authorization message database and obtains authorization message.
It is understood that reference report preparing system can be started with prefixed time interval or be preset by banking system
Time interval calls startup reference report preparing system, and authorization message is obtained from authorization message database.Can for example set and levy
Believe report preparing system start by set date every hour or daily.
Step 402：The authorization message to collage-credit data source systems is sent, the collage-credit data source is received and store
The basic data that system is returned.
Step 403：The basic data is pre-processed, critical data is extracted.
Wherein, step 402 and step 403 are similar to step 103 and step 104, will not be repeated here.
Step 404：Monitoring data is generated according to predetermined format according to the critical data.
Wherein, reference report preparing system can generate monitoring data, hair according to critical data, according to default form
Give banking system.
Optionally, data monitoring service module can also call reference report generation module, be sent after generation reference report
To banking system.
It is understood that after banking system receives monitoring data or reference report, to monitoring data or can levy
Letter report is analyzed, and to judge the loan repayment capacity of user, and carries out risk management etc..
In the present embodiment, by the link for adding the collage-credit data to user to be monitored, make the banking system can be with
The collage-credit data of regular monitoring and renewal user, further increases the content of this method during user repays.
Refer to Fig. 5, a kind of structure chart of reference report preparing system that Fig. 5 is provided by the embodiment of the present invention.This is
System can include：
Certificate Authority module 100, for receiving the request of reference report generation；Judge whether authorization message database 200 is deposited
With the corresponding authorization message of the reference report generation request；Wherein, the authorization message includes that authorization code and taxpayer know
Alias；
Data acquisition module 300, for asking right with the reference report generation when the authorization message database is present
During the authorization message answered, the authorization message is sent to collage-credit data source systems, receive and store the collage-credit data source
The basic data that system is returned；
Collage-credit data storehouse 400, for storing the basic data；
Data preprocessing module 500, for being pre-processed to the basic data, extracts critical data；
Reference report generation module 600, for being reported according to default form generation reference according to the critical data.
Optionally, the Certificate Authority module 100, can also include：
Acquiring unit, for when the authorization message database 200 is in the absence of corresponding with the reference report generation request
The authorization message when, obtain the authorization message of input, and store the authorization message to the authorization message data
Storehouse, the data acquisition module is sent to by the authorization message.
Optionally, the acquiring unit, can include：
Subelement is redirected, the login page for jumping to tax office system makes user obtain the tax office system generation
Authorization code；Wherein, the authorization code includes the corresponding term of validity；
Subelement is obtained, the authorization code and the Taxpayer Identification Number for obtaining input.
Optionally, the data acquisition module 300, can include：
Judging unit, for judging whether to receive the basic data；
Transmitting element, for when the basic data is received, sending basic data to the collage-credit data storehouse；When not
When receiving the basic data, the instruction of the authorization message for obtaining input again is sent to the Certificate Authority module.
Optionally, the reference report generation module 600, can include
First reference report generation unit, for carrying out parallel data analysis to the critical data using spark technologies,
And reported according to default form generation reference.
Optionally, the system can also include：
Data monitoring service module, the mandate letter is obtained for being spaced at preset timed intervals from the authorization message database
Breath；The authorization message to the collage-credit data source systems is sent, is received and is stored the collage-credit data source systems and return
Basic data；The basic data is pre-processed, critical data is extracted；According to the critical data according to predetermined format
Generation monitoring data.
Optionally, the data monitoring service module, can include：
Second reference report generation unit, for generating the reference report according to default form according to the critical data
Accuse.
In the present embodiment, the embodiment of the present invention by data acquisition module 300 by authorization message obtain collage-credit data come
The basic data of origin system, can first obtain the mode that user's mandate gathers collage-credit data again in Certificate Authority module 100, solve
The problem that the collage-credit data of user may be revealed and abused.Security of the invention is improve, by data preprocessing module 500
Basic data is pre-processed, critical data is extracted；By reference report generation module 600 according to critical data according to default
Form generation reference report, after processing on real-time treatment, real-time parallel statistical analysis being carried out to the collage-credit data of Real-time Collection
Generation reference report, solves the ageing and accuracy problem of reference report so that reference report can timely and effectively reflect
The credit situation of user, enhances Consumer's Experience.
Fig. 6 is referred to, a kind of specific deployment of reference report preparing system that Fig. 6 is provided by the embodiment of the present invention is illustrated
Figure.As shown in fig. 6, including user, government department's service platform, main strategies system, banking system and real-time reference
System.Wherein, real-time credit investigation system can be above-mentioned reference report preparing system.The deployment can include：
User, including general user and banking channels user, general user refer to reference directly by the embodiment of the present invention
Report preparing system obtains the user of reference report；Banking channels user refers to that bank prepares to authorize the service object of fiduciary loan；
Government department's service system, refers to tax innings concerning taxes service system, the online business hall of industrial and commercial bureau etc., is the master of reference report
Want data source；
Main strategies system：Refer to the main strategies system of similar the People's Bank credit investigation system, for example the present invention is implemented
The reference report preparing system of example can also gather main strategies system data, with reference to tax office data, provide and levy in more detail
Letter report；
Banking system, refers to bank credit loan transaction system, and the loan application of user is carried out according to reference report
Examination ＆ approval, and carry out risk management；
Real-time credit investigation system i.e. reference report preparing system, can by the mandate of user, real-time data collection, plus
Work treatment, and parallel data analysis is carried out with reference to spark technologies, form reference report.
Each embodiment is described by the way of progressive in specification, and what each embodiment was stressed is and other realities
Apply the difference of example, between each embodiment identical similar portion mutually referring to.For system disclosed in embodiment
Speech, because it is corresponded to the method disclosed in Example, so description is fairly simple, related part is referring to method part illustration
.
Professional further appreciates that, with reference to the unit of each example of the embodiments described herein description
And algorithm steps, can be realized with electronic hardware, computer software or the combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software, generally describes the composition and step of each example according to function in the above description.These
Function is performed with hardware or software mode actually, depending on the application-specific and design constraint of technical scheme.Specialty
Technical staff can realize described function to each specific application using distinct methods, but this realization should not
Think beyond the scope of this invention.
The step of method or algorithm for being described with reference to the embodiments described herein, directly can be held with hardware, processor
Capable software module, or the two combination is implemented.Software module can be placed in random access memory (RAM), internal memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In field in known any other form of storage medium.
Reference report-generating method provided by the present invention and system are described in detail above.It is used herein
Specific case is set forth to principle of the invention and implementation method, and the explanation of above example is only intended to help and understands this
The method and its core concept of invention.It should be pointed out that for those skilled in the art, not departing from this hair
On the premise of bright principle, some improvement and modification can also be carried out to the present invention, these are improved and modification also falls into power of the present invention
In the protection domain that profit is required.
Claims (14)
1. a kind of reference report-generating method, it is characterised in that including：
Receive the request of reference report generation；
Judge that authorization message database whether there is and the corresponding authorization message of the reference report generation request；Wherein, it is described
Authorization message includes authorization code and Taxpayer Identification Number；
If so, then sending the authorization message to collage-credit data source systems, the collage-credit data source systems are received and stored
The basic data of return；
The basic data is pre-processed, critical data is extracted；
Reported according to default form generation reference according to the critical data.
2. reference report-generating method according to claim 1, it is characterised in that judge whether authorization message database is deposited
With after the corresponding authorization message of the reference report generation request, also include：
If the authorization message database does not exist the authorization message corresponding with the reference report generation request, obtain
The authorization message of input, and the authorization message to the authorization message database is stored, perform and send the mandate letter
Collage-credit data source systems are ceased, the step of receive and store the basic data that the collage-credit data source systems are returned.
3. reference report-generating method according to claim 2, it is characterised in that obtain the authorization message of input,
Including：
The login page of the collage-credit data source systems is jumped to, user is obtained the collage-credit data source systems generation
Authorization code；Wherein, the authorization code includes the corresponding term of validity；
Obtain the authorization code and the Taxpayer Identification Number of input.
4. reference report-generating method according to claim 1, it is characterised in that receive and store the collage-credit data
The basic data that origin system is returned, including：
Judge whether to receive the basic data；
If so, then store the basic data, execution is pre-processed to the basic data, the step of extract critical data；
If it is not, then obtaining and storing the authorization message being input into again, perform and send the authorization message to collage-credit data source system
System, the step of receive and store the basic data that the collage-credit data source systems are returned.
5. reference report-generating method according to claim 1, it is characterised in that according to the critical data according to default
Form generation reference report, including：
Parallel data analysis is carried out to the critical data using spark technologies, and is reported according to default form generation reference.
6. the reference method according to any one of claim 1 to 5, it is characterised in that also include：
It is spaced at preset timed intervals from the authorization message database and obtains the authorization message；
The authorization message to the collage-credit data source systems is sent, is received and is stored the collage-credit data source systems and return
Basic data；
The basic data is pre-processed, critical data is extracted；
Monitoring data is generated according to predetermined format according to the critical data.
7. reference method according to claim 6, it is characterised in that monitoring data, bag are formed according to the critical data
Include：
The reference is generated according to the critical data according to default form to report.
8. a kind of reference report preparing system, it is characterised in that including：
Certificate Authority module, for receiving the request of reference report generation；Judge that authorization message database whether there is to be levied with described
Letter report generation asks corresponding authorization message；Wherein, the authorization message includes authorization code and Taxpayer Identification Number；
Data acquisition module, for existing and the corresponding mandate of the reference report generation request when the authorization message database
During information, the authorization message is sent to collage-credit data source systems, receive and store the collage-credit data source systems and return
Basic data；
Collage-credit data storehouse, for storing the basic data；
Data preprocessing module, for being pre-processed to the basic data, extracts critical data；
Reference report generation module, for being reported according to default form generation reference according to the critical data.
9. reference report preparing system according to claim 8, it is characterised in that the Certificate Authority module, also includes：
Acquiring unit, for authorizing letter in the absence of corresponding with the reference report generation request when the authorization message database
During breath, the authorization message of input is obtained, and store the authorization message to the authorization message database, by the mandate
Information is sent to the data acquisition module.
10. reference report preparing system according to claim 9, it is characterised in that the acquiring unit, including：
Subelement is redirected, the login page for jumping to the collage-credit data source systems makes user obtain the reference number
According to the authorization code that source systems are generated；Wherein, the authorization code includes the corresponding term of validity；
Subelement is obtained, the authorization code and the Taxpayer Identification Number for obtaining input.
11. reference report preparing systems according to claim 8, it is characterised in that the data acquisition module, including：
Judging unit, for judging whether to receive the basic data；
Transmitting element, for when the basic data is received, sending basic data to the collage-credit data storehouse；When not receiving
During to the basic data, the instruction of the authorization message for obtaining input again is sent to the Certificate Authority module.
12. reference report preparing systems according to claim 8, it is characterised in that the reference report generation module, bag
Include
First reference report generation unit, for carrying out parallel data analysis to the critical data using spark technologies, and presses
According to the generation reference report of default form.
The 13. reference report preparing system according to any one of claim 8 to 12, it is characterised in that also include：
Data monitoring service module, the authorization message is obtained for being spaced at preset timed intervals from the authorization message database；
The authorization message to the collage-credit data source systems is sent, the base that the collage-credit data source systems are returned is received and store
Plinth data；The basic data is pre-processed, critical data is extracted；Generated according to predetermined format according to the critical data
Monitoring data.
14. reference report preparing systems according to claim 13, it is characterised in that the data monitoring service module,
Including：
Second reference report generation unit, reports for generating the reference according to default form according to the critical data.
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| CN108021486A (en) * | 2017-11-21 | 2018-05-11 | 平安科技（深圳）有限公司 | Electronic device, the method and storage medium of collage-credit data processing |
| CN108269185A (en) * | 2018-01-19 | 2018-07-10 | 阿里巴巴集团控股有限公司 | Statement of funds flow generation method and device and electronic equipment |
| CN108540335A (en) * | 2017-12-20 | 2018-09-14 | 深圳市轱辘车联数据技术有限公司 | The management method and managing device of device analysis report |
| CN108564462A (en) * | 2018-03-15 | 2018-09-21 | 平安普惠企业管理有限公司 | Acquisition methods, terminal device and the medium of collage-credit data |
| CN108734566A (en) * | 2018-04-03 | 2018-11-02 | 平安普惠企业管理有限公司 | Collage-credit data querying method, terminal device and medium |
| CN108921683A (en) * | 2018-07-10 | 2018-11-30 | 深圳市科迈爱康科技有限公司 | Financial statement analysis method, system and computer readable storage medium |
| CN109165335A (en) * | 2018-06-26 | 2019-01-08 | 杭州排列科技有限公司 | Internet finance blacklist system and its application method based on big data |
| CN109766712A (en) * | 2018-12-14 | 2019-05-17 | 华东师范大学 | A kind of reference report circulation method based on block chain and Intel SGX |
| CN112559205A (en) * | 2020-12-08 | 2021-03-26 | 爱信诺征信有限公司 | Credit report generation method and system |
| CN112734525A (en) * | 2021-01-12 | 2021-04-30 | 中交智运有限公司 | Multi-source data processing method, system, equipment and readable storage medium |
| CN113592625A (en) * | 2021-07-27 | 2021-11-02 | 京东科技控股股份有限公司 | Credit report generation method and device and electronic equipment |
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| CN113592625A (en) * | 2021-07-27 | 2021-11-02 | 京东科技控股股份有限公司 | Credit report generation method and device and electronic equipment |
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Address after: Guangdong Nanshan District street of Shenzhen city in Guangdong province 518000 Shenzhen international software park a 8 Building 202 room Applicant after: Shenzhen Weizhong credit Technology Co., Ltd Address before: Guangdong Nanshan District street of Shenzhen city in Guangdong province 518000 Shenzhen international software park a 8 Building 202 room Applicant before: Shenzhen micro tax silver Information Service Co., Ltd. |
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Application publication date: 20170531 |