CN106875132A - Objective dynamic credit rating method and platform based on subjective consciousness of honesty - Google Patents
Objective dynamic credit rating method and platform based on subjective consciousness of honesty Download PDFInfo
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- CN106875132A CN106875132A CN201710161488.XA CN201710161488A CN106875132A CN 106875132 A CN106875132 A CN 106875132A CN 201710161488 A CN201710161488 A CN 201710161488A CN 106875132 A CN106875132 A CN 106875132A
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Abstract
This application discloses objective dynamic credit rating platform and evaluation method based on subjective consciousness of honesty, Appraising subject subjective consciousness is combined with objective behavior of credit information carries out ranking：And existing credit rating is only the record based on the behavior of credit information having occurred in the past, with Appraising subject subjective consciousness without any relation, and this programme first records the Appraising subject credit information of honouring an agreement, the subjectivity of reflected appraisal main body is voluntarily, honoured an agreement key element as the Appraising subject subjectivity of third-party platform, then third-party platform honours an agreement key element by Appraising subject subjectivity and objective behavior of credit information carries out the credit appraisal of subjective and objective bidimensional, according to credit information amount from third-party platform to public, that is the degrees of overtness of credit information, to carry out the evaluation of credit grade to Appraising subject, Appraising subject dare to be disclosed more, credit information degrees of overtness is higher, the credit grade of Appraising subject is higher, the more credit rating of the reaction evaluating main body of objective reality.
Description
Technical field
System and method skill the present invention relates to be applied to administrative, business, finance, management, supervision, prediction, evaluation purpose
Art field, and in particular to a kind of objective dynamic credit rating method and platform based on subjective consciousness of honesty.
Background technology
Appraising subject credit management is an important content in Appraising subject management, is that Appraising subject transaction with credit is lived
Dynamic overall process and the omnibearing management of Appraising subject honest operation behavior, its main purpose are for Appraising subject development credit is handed over
Easily with acquisition credit resources service.The evaluation of Appraising subject credit grade is the important step in Appraising subject credit management, mesh
The evaluation of the preceding credit grade for Appraising subject, mainly uses static credit rating mode, i.e., led based on evaluation
The behavioural information that body has occurred and that, system is evaluated during above-mentioned behavioural information is collected into system, forms credit grade, the letter
With grade once being formed, dynamic renewal will not be done.The problem that this kind of static credit rating mode is present is：1st, Appraising subject
Behavioural information be passive to collect system, it is impossible to the subjective consciousness of honesty of direct reaction Appraising subject；2nd, it is existing
Credit rating system, the credit grade for Appraising subject will no longer do dynamic renewal, it is impossible to embody at any time once being formed
The current financial status of Appraising subject.
The content of the invention
An object of the present invention is to provide a kind of objective dynamic credit rating platform based on subjective consciousness of honesty,
The platform is by Appraising subject（Such as enterprise）Subjective consciousness is combined the evaluation that carries out credit grade with objective behavior record, more
The credibility of the reaction evaluating main body of objective reality.
Objective dynamic credit rating platform based on subjective consciousness of honesty, including third-party platform, Appraising subject visitor
Family end, black box and Appraising subject loyalty information service codes；
Described third-party platform is used for：
Appraising subject registration management：Identity of the Appraising subject in platform is assigned, sincere space and the platform of Appraising subject is set up
The honour an agreement Appraising subject credit of information space of Appraising subject credit is honoured an agreement the data correlation of information；
Appraising subject black box is managed：Appraising subject black box is registered and the activation of Appraising subject black box；
Appraising subject credit is honoured an agreement the space management of information：Appraising subject credit is set up to honour an agreement information space, Appraising subject credit
The index data base of information of honouring an agreement, credit information data capture engine, credit information data-pushing engine and for objective dynamic
The evaluation model of state credit grade；
Described Appraising subject credit information space of honouring an agreement has the space structure of storehouse, stack, lattice, for storing Appraising subject credit
Information of honouring an agreement and Appraising subject dynamic credit information；
Described index data base has the space structure of storehouse, stack, lattice, is honoured an agreement the index of information for storing Appraising subject credit
Information；
Described credit information data capture engine is used to gather the commitment information of honouring an agreement of Appraising subject subjectivity consciousness of honesty, evaluates
Main body credit is honoured an agreement information and its index information；For gathering the sincere letter of Appraising subject formed through Appraising subject client process
Breath service codes and external disclosure；
Described credit information data-pushing engine is used for by Appraising subject dynamic credit information and its in third-party platform evaluation
The honour an agreement URI addresses of information space of main body credit push to Appraising subject client and are processed；
Appraising subject sincerity degrees of overtness information management：Appraising subject sincerity degrees of overtness ranking, according to Appraising subject client
The commitment information amount of honouring an agreement of the corresponding Appraising subject subjectivity consciousness of honesty of Appraising subject sincerity degrees of overtness of push, believes with reference to promising to undertake
The weight in influence credit effect is ceased, the evaluation of Appraising subject sincerity degrees of overtness grade is carried out, Appraising subject is formed sincere open
Degree grade, as the basic basis of the objective dynamic credit rating of Appraising subject.
Appraising subject credit is honoured an agreement information management：Obtain Appraising subject credit to honour an agreement information, obtain Appraising subject client
The Appraising subject credit of push is honoured an agreement information, and the Appraising subject credit information of honouring an agreement can be stored in Appraising subject in third-party platform
Appraising subject space, may be alternatively stored on third-party platform pass through URI address registrations and the Appraising subject system for associating
Own space；
Obtain index information：The Appraising subject credit that Appraising subject client dynamically pushes is obtained to honour an agreement the index information of information.
Index information is stored in described index data base；
Treatment Appraising subject credit is honoured an agreement information：Appraising subject subjectivity consciousness of honesty in information that Appraising subject credit is honoured an agreement
Commitment information of honouring an agreement forms the Appraising subject subjectivity that can not distort and honours an agreement key element, and open to society, receives social supervision；Simultaneously
The record information of the course of performance that the Appraising subject credit that will be received is honoured an agreement in information forms the Appraising subject visitor that can not be distorted
See third party's record data of behavior of credit；
Appraising subject dynamic credit information management：Objective dynamic credit rating, sets up evaluation model：Appraising subject is subjective really
Storehouse, stack, lattice in the data of the record information of the course of performance of the commitment information correspondence in third-party platform of honouring an agreement of letter consciousness,
With storehouse, stack, whether the having of lattice data, whether complete, whether true, done to promising to undertake key element corresponding to course of performance behavior record
Do not have, do and do not have completely, do and do not have correctly, as data foundation, combining assessment main body sincerity degrees of overtness, Appraising subject master
Third party's record data of honour an agreement key element and the objective behavior of credit of Appraising subject is seen, is built according to mathematical algorithms such as fuzzy neural networks
Found the evaluation model of objective dynamic credit grade；
Calculate objective dynamic credit grade：The objective dynamic credit grade of Appraising subject is calculated according to evaluation model；
Generation Appraising subject dynamic credit information：According to the Appraising subject credit that can not distort honour an agreement information, index information with comment
The objective dynamic credit grade generation Appraising subject dynamic credit information of valency main body, storage is empty in Appraising subject credit information of honouring an agreement
Between；
Push Appraising subject dynamic credit information：By Appraising subject dynamic credit information and its in third-party platform Appraising subject letter
Appraising subject client is pushed to the URI addresses of information space of honouring an agreement to be processed；
Appraising subject loyalty information service codes are managed：Obtain Appraising subject loyalty information service codes and the sincere letter of open Appraising subject
Breath service codes, Appraising subject loyalty information service codes are disclosed to the public.
Described Appraising subject client, foundation has Appraising subject sincerity space：It is sincere open for storing Appraising subject
Degree information, Appraising subject credit are honoured an agreement information and its index information, Appraising subject dynamic credit information and its in third-party platform
Appraising subject credit is honoured an agreement URI addresses, the Appraising subject loyalty information service codes of information space；
Appraising subject sincerity degrees of overtness information management：Generation Appraising subject sincerity degrees of overtness information, it is subjective really according to Appraising subject
Believe the commitment information amount of honouring an agreement of consciousness, generation Appraising subject sincerity degrees of overtness information；Appraising subject sincerity degrees of overtness information is pushed,
Appraising subject sincerity degrees of overtness information to third-party platform is pushed, as the foundation of Appraising subject sincerity degrees of overtness ranking；
Appraising subject credit is honoured an agreement information management：Generation Appraising subject credit is honoured an agreement information, according to the subjective sincere meaning of Appraising subject
The record information of honour an agreement commitment information and the course of performance known, forms Appraising subject credit and honours an agreement information；Push Appraising subject letter
With the information of honouring an agreement, Appraising subject credit is dynamically pushed to third-party platform and is honoured an agreement information；
Index information is managed：Create Appraising subject credit to honour an agreement the index information of information, set up the sincerity of Appraising subject client
The information index in space and the Appraising subject credit of third-party platform are honoured an agreement the data correlation of information space, realize dynamic to the 3rd
Fang Pingtai pushes index information, and described index information is used to associate and query evaluation Agent Client end or Appraising subject credit are carried out
Appraising subject credit about described in information space is honoured an agreement information；
Appraising subject dynamic credit information management：Appraising subject dynamic credit information is obtained, obtains what is pushed through third-party platform
The URI addresses of Appraising subject dynamic credit information and its information space of being honoured an agreement in third-party platform Appraising subject credit, and combine
Appraising subject credit honour an agreement information Appraising subject client Appraising subject sincerity space URI addresses, as formed evaluate
The information source of main body loyalty information service codes；
Appraising subject loyalty information service codes are managed：Generation Appraising subject loyalty information service codes：By Appraising subject dynamic credit
Information and its exist in the third-party platform Appraising subject credit URI addresses of information space, Appraising subject credit information of honouring an agreement of honouring an agreement
The URI addresses in the Appraising subject sincerity space of Appraising subject client are processed, and generate the loyalty information service of Appraising subject
Code.
Push Appraising subject loyalty information service codes：Appraising subject loyalty information service codes are pushed into third-party platform；
Described black box, possesses encryption and decryption functions, for Appraising subject credit information of honouring an agreement to be entered through the password of authorized by state
The treatment of row encryption and decryption, and adds a cover timestamp, realizes ciphertext storage, applies in plain text, ensures that Appraising subject credit is honoured an agreement the depositing of information
Store up and can not distort, and retain on third-party platform；
Described Appraising subject loyalty information service codes：The public obtains the 3rd by sweeping the loyalty information service codes of Appraising subject
The function of the upper Appraising subject loyalty information external disclosures of Fang Pingtai and service.
Credit rating platform of the invention has characteristic following prominent：1st, Appraising subject subjective consciousness with it is objective
Behavior of credit information is combined carries out ranking：And existing credit rating is only based on the behavior of credit having occurred in the past
The record of information, with Appraising subject subjective consciousness without any relation, and this programme first enters the Appraising subject credit information of honouring an agreement
Row record, the subjectivity of reflected appraisal main body is voluntarily honoured an agreement key element, then third party as the Appraising subject subjectivity of third-party platform
Platform honours an agreement key element by Appraising subject subjectivity and objective behavior of credit information carries out the credit appraisal of subjective and objective bidimensional, root
According to credit information amount from third-party platform to public, i.e. the degrees of overtness of credit information, to carry out credit etc. to Appraising subject
The evaluation of level, Appraising subject dare to be disclosed more, and credit information degrees of overtness is higher, and the credit grade of Appraising subject is higher, more
Plus the credit rating of the reaction evaluating main body of objective reality.2nd, in this programme, Appraising subject client is dynamic flat to third party
Platform pushes Appraising subject credit and honours an agreement information and objective behavior of credit information, and third-party platform is also to build on this basis
Vertical Appraising subject dynamic credit grade, the difference of credit information amount, the letter of Appraising subject according to disclosed in Appraising subject is each
With grade be also in dynamic change, can the current credit situation of more real-time reaction evaluating main body.
Further, described evaluation model is additionally operable to carry out self-recision to the objective dynamic credit grade of Appraising subject.
Possess the ability of self-recision due to described evaluation model, therefore the objective dynamic credit grade of Appraising subject can be carried out certainly
Dynamic amendment, forms the dynamic objective credit grade of Appraising subject.
The second object of the present invention is to provide a kind of objective dynamic credit rating method based on subjective consciousness of honesty,
Realized by third-party platform, including herein below：
The commitment information amount of honouring an agreement of Appraising subject subjectivity consciousness of honesty forms sincere degrees of overtness grade, is promised to undertake according to sincere degrees of overtness
The Appraising subject credit that the record information of information and course of performance is formed is honoured an agreement information, by objective dynamic Credit Rank Appraisal mould
Type is calculated, and the objective dynamic credit rating of Appraising subject is realized by third-party platform：
Sincere degrees of overtness ranking is information content of the foundation to commitment information disclosed in society first, and is existed with reference to commitment information
The weight of influence credit effect, carries out the evaluation of sincere degrees of overtness grade, and the evaluation of sincere degrees of overtness is objective dynamic credit etc.
The basic basis of level evaluation；
Objective dynamic credit rating is that the subjectivity sincerity commitment information in Appraising subject sincerity degrees of overtness was being honoured an agreement
Degree of honouring an agreement in journey, the grade calculated according to Credit Rank Appraisal model on third-party platform；
Described Appraising subject credit is honoured an agreement information, by honour an agreement commitment information and the course of performance of Appraising subject subjectivity consciousness of honesty
Record information composition, the Appraising subject credit information of honouring an agreement can store empty in the Appraising subject of third-party platform in Appraising subject
Between, may be alternatively stored on third-party platform by URI address registrations and the own space of the Appraising subject system for associating；
The method realized is evaluated, is the shoe of the commitment information correspondence in third-party platform of honouring an agreement of Appraising subject subjectivity consciousness of honesty
Storehouse, stack, lattice about in the data of the record information of process, with storehouse, stack, whether the having of lattice data, whether complete, whether true,
Do and do not have, do and do not have completely, do and do not have correctly to promising to undertake key element corresponding to course of performance behavior record, be objective dynamically to believe
With the basic data foundation of ranking；
Described Appraising subject credit is honoured an agreement information, need to carry out encryption and decryption treatment through the password of authorized by state, realize ciphertext storage,
Apply in plain text, ensure Appraising subject credit honour an agreement information storage with can not distort, and retain for a long time on third-party platform.
By the above method, the Appraising subject credit information of honouring an agreement is recorded first, the subjectivity of reaction evaluating main body is certainly
It is willing to, honoured an agreement key element as the Appraising subject subjectivity of third-party platform, then third-party platform is honoured an agreement by Appraising subject subjectivity and wanted
Element and the objective behavior of credit information of Appraising subject carry out the credit appraisal of subjective and objective bidimensional, according to third-party platform to the public
Disclosed credit information amount, the i.e. degrees of overtness of credit information, to carry out the evaluation of credit grade to Appraising subject, Appraising subject is dared
In disclosed more, credit information degrees of overtness is higher, and the credit grade of Appraising subject is higher, more the reaction evaluating of objective reality
The credit rating of main body.
Further, Appraising subject client is honoured an agreement the same of information voluntarily pushing Appraising subject credit to third-party platform
When, also being pushed to third-party platform can inquire about the Appraising subject credit and honour an agreement the index information of information.Rope of the present invention
Fuse breath can be that Appraising subject Appraising subject credit is honoured an agreement file number, numbering or the title etc. of information, because not being related to have
The Appraising subject Appraising subject credit of body is honoured an agreement information, therefore not concerning security matters, improves the security of Appraising subject information.
Further, described Appraising subject credit information Store of honouring an agreement is honoured an agreement in the Appraising subject credit of third-party platform
Information space, described index information storage is honoured an agreement the index data of information space in the Appraising subject credit of third-party platform
Storehouse.
Further, the method that described evaluation is realized, combining assessment main body sincerity degrees of overtness, Appraising subject subjectivity are honoured an agreement
Third party's record data of key element and the objective behavior of credit of Appraising subject, according to mathematical algorithms such as fuzzy neural networks in third party
Platform sets up the evaluation model of objective dynamic credit grade, and objective dynamic credit of Appraising subject etc. is calculated according to evaluation model
Level.
Further, after third-party platform forms the objective dynamic credit grade of Appraising subject, also including can be to Appraising subject
The step of objective dynamic credit grade is corrected automatically, forms the dynamic objective credit grade of Appraising subject.To make evaluation
The objective dynamic credit grade of Appraising subject for going out is more reasonable.
Further, the Appraising subject credit information of honouring an agreement that Appraising subject client is voluntarily pushed to third-party platform is to add
The Appraising subject credit for having covered timestamp is honoured an agreement information, is carried out to form the Appraising subject credit that can not be distorted in third-party platform
About information.The Appraising subject credit information of honouring an agreement for so passing to third-party platform can not will be distorted, and improve the reliability of information
Property.
Brief description of the drawings
Fig. 1 is that the program of the objective dynamic credit rating method that the embodiment of the present invention is based on subjective consciousness of honesty is illustrated
Figure.
Specific embodiment
Below by specific embodiment, the present invention is further detailed explanation：
As shown in figure 1, the present embodiment discloses a kind of objective dynamic credit rating based on subjective consciousness of honesty first putting down
Platform, including Appraising subject client, black box, third-party platform and Appraising subject loyalty information service codes.
Appraising subject client is used to voluntarily dynamically push Appraising subject sincerity degrees of overtness information to third-party platform, as
The foundation of Appraising subject sincerity degrees of overtness ranking；Honoured an agreement for voluntarily dynamically pushing Appraising subject credit to third-party platform
Information and its index information, described index information is used to associate and query evaluation Agent Client end or Appraising subject credit are honoured an agreement
Appraising subject credit described in information space is honoured an agreement information；
Black box is used to for Appraising subject credit information of honouring an agreement to carry out encryption and decryption treatment through the password of authorized by state, and adds a cover the time
Stamp, realizes ciphertext storage, applies in plain text, ensure Appraising subject credit honour an agreement information storage with can not distort, and in third party
Retain for a long time on platform.
Third-party platform is set up has Appraising subject credit to honour an agreement information space（That is evaluation of the Appraising subject in third-party platform
Principal space or Appraising subject are certainly free with the Appraising subject system for associating by URI address registrations on third-party platform
Between）, the honour an agreement index data base of information, credit information data capture engine, credit information data-pushing of Appraising subject credit draw
Hold up and for the evaluation model of objective dynamic credit grade；Evaluation model in this implementation uses existing fuzzy neural network
Algorithm is set up, and fuzzy neural network is exactly the neutral net that there is fuzzy weight coefficient or input signal to be fuzzy quantities.
Fuzzy neural network（FNN）Based on fuzzy logic, located by imitating the fuzzy Judgment reasoning of human thinking
The reason insoluble fuzzy message problem of conventional method, is of some phenomenons modeling relevant with perception to the thinking of the mankind
Strong instrument.Fuzzy neural network is in decision-making support, Analysis of Policy Making, Multi-target evaluation, overall merit, risk analysis, nerve
The fields such as expert system, pattern-recognition, Based Intelligent Control, Combinatorial Optimization, prediction are succeeded application.
The present embodiment is set up multi level Fuzzy Synthetical and is commented by fuzzy mathematics algorithm to the qualitative index evaluation that influence is evaluated
Valency model, and by qualitative index quantification, and then analytic hierarchy process (AHP) is utilized, will reflect that each single factors of internal control are evaluated
Include in a unified mathematic(al) mode system, determine the weight of evaluation index（Evaluation index is believed according to Appraising subject credit
Laws and regulations, industry requirement that manner of breathing is closed etc. possesses the file of public credibility and restraining force and is determined）, and utilize multi-level mould
Paste evaluation model obtains the algebraic value of comprehensive evaluation result, in combination with artificial neural network algorithm, by fuzzy comprehensive in study
The rule of both evaluation model result, analysis is closed, be then applied to evaluate next time in；
The ability that whole evaluation system has continuous learning can be caused using neural network model, evaluation result science is improved constantly
Property, objectivity and authenticity, while the characteristics of but also with having flexibility and hommization, so as to provide one kind to evaluate quantification problem
Feasible, science method, therefore, the evaluation model in the present embodiment is additionally operable to dynamic credit grade objective to Appraising subject to be carried out
Self-recision.
The credit information data capture engine of the present embodiment is used to gather the promise of honouring an agreement of Appraising subject subjectivity consciousness of honesty
Information, Appraising subject credit are honoured an agreement information and its index information；For gathering the evaluation formed through Appraising subject client process
Main body loyalty information service codes and external disclosure；
Appraising subject credit information space of honouring an agreement has the space structure of storehouse, stack, lattice, is honoured an agreement letter for storing Appraising subject credit
Breath and Appraising subject dynamic credit information；
Third-party platform is subjective really according to the corresponding Appraising subject of Appraising subject sincerity degrees of overtness of Appraising subject client push
Believe the commitment information amount of honouring an agreement of consciousness, with reference to the weight that commitment information is acted in influence credit, carry out Appraising subject sincere open
The evaluation of grade is spent, Appraising subject sincerity degrees of overtness grade is formed, as the base of the objective dynamic credit rating of Appraising subject
Plinth foundation；
Appraising subject credit for obtaining Appraising subject client push is honoured an agreement information and its index information, and Appraising subject is believed
The subjective shoe of Appraising subject that can not be distorted is formed with the commitment information of honouring an agreement of the Appraising subject subjectivity consciousness of honesty in the information of honouring an agreement
About key element, and it is open to society, receive social supervision, the honouring an agreement in information while the Appraising subject credit that will be received is honoured an agreement
The record information of journey forms third party's record data of the objective behavior of credit of Appraising subject that can not be distorted；
According to the method that evaluation is realized, combining assessment main body sincerity degrees of overtness, Appraising subject subjectivity are honoured an agreement key element and Appraising subject
Third party's record data of objective behavior of credit, objective dynamic credit grade is set up according to mathematical algorithms such as fuzzy neural networks
Evaluation model, calculates the objective dynamic credit grade of Appraising subject；
Honoured an agreement according to the Appraising subject credit that can not distort the objective dynamic credit grade life of information, index information and Appraising subject
Into Appraising subject dynamic credit information, honoured an agreement by Appraising subject dynamic credit information and its in third-party platform Appraising subject credit
The URI addresses of information space push to Appraising subject client and are processed；
The Appraising subject loyalty information service codes formed through Appraising subject client process are obtained, and is disclosed to the public.
The loyalty information service codes of the Appraising subject in the present embodiment are used to allow the public to scan, and obtain third-party platform
The function of upper Appraising subject loyalty information external disclosure and service.
More specifically, the objective dynamic credit rating platform based on subjective consciousness of honesty, including third-party platform, comment
Valency Agent Client end, black box and Appraising subject loyalty information service codes：
1. the third-party platform described in, refers to be led for Appraising subject provides evaluation using what the technologies such as cloud application, big data were set up
Body credit is honoured an agreement the workbench of information management, possesses following functions：
1) Appraising subject registration management
Appraising subject is registered：
Assign identity of the Appraising subject in platform, the Appraising subject credit in the sincere space and platform of setting up Appraising subject is honoured an agreement letter
The Appraising subject credit for ceasing space is honoured an agreement the data correlation of information.
2) Appraising subject black box management
Appraising subject black box is registered：
Appraising subject black box is assigned in the identity belonging to platform.
Appraising subject black box is activated：
Activate the function of the information encryption and decryption of Appraising subject black box.
3) Appraising subject credit is honoured an agreement the space management of information
Foundation has Appraising subject credit to honour an agreement information space（I.e. Appraising subject is in the Appraising subject space of third-party platform or evaluation
Main body is on third-party platform by URI address registrations and the own space of the Appraising subject system for associating）, Appraising subject credit
The index data base of information of honouring an agreement, credit information data capture engine, credit information data-pushing engine and for objective dynamic
The evaluation model of state credit grade；
Described Appraising subject credit information space of honouring an agreement has the space structure of storehouse, stack, lattice, for storing Appraising subject credit
Information of honouring an agreement and Appraising subject dynamic credit information；
Described index data base has the space structure of storehouse, stack, lattice, is honoured an agreement the index of information for storing Appraising subject credit
Information；
Described credit information data capture engine is used to gather the commitment information of honouring an agreement of Appraising subject subjectivity consciousness of honesty, evaluates
Main body credit is honoured an agreement information and its index information；For gathering the sincere letter of Appraising subject formed through Appraising subject client process
Breath service codes and external disclosure；
Described credit information data-pushing engine is used for by Appraising subject dynamic credit information and its in third-party platform evaluation
The honour an agreement URI addresses of information space of main body credit push to Appraising subject client and are processed.
4) Appraising subject sincerity degrees of overtness information management
Appraising subject sincerity degrees of overtness ranking：
The shoe of the corresponding Appraising subject subjectivity consciousness of honesty of Appraising subject sincerity degrees of overtness according to Appraising subject client push
About commitment information amount, with reference to the weight that commitment information is acted in influence credit, carries out commenting for Appraising subject sincerity degrees of overtness grade
It is fixed, Appraising subject sincerity degrees of overtness grade is formed, as the basic basis of the objective dynamic credit rating of Appraising subject.
5) Appraising subject credit is honoured an agreement information management
Appraising subject credit is obtained to honour an agreement information：
The Appraising subject credit for obtaining Appraising subject client push is honoured an agreement information.The Appraising subject credit information of honouring an agreement can be stored
In Appraising subject in the Appraising subject space of third-party platform, may be alternatively stored in and pass through URI address registrations on third-party platform
With the own space of the Appraising subject system for associating.
Obtain index information：
The Appraising subject credit that Appraising subject client dynamically pushes is obtained to honour an agreement the index information of information.Index information storage exists
Described index data base.
Treatment Appraising subject credit is honoured an agreement information：
The commitment information of honouring an agreement of the Appraising subject subjectivity consciousness of honesty in information that Appraising subject credit is honoured an agreement is formed and can not distorted
Appraising subject subjectivity honour an agreement key element, it is and open to society, receive social supervision；The Appraising subject credit that will be received simultaneously is carried out
The record information of the course of performance about in information forms third party's record number of the objective behavior of credit of Appraising subject that can not be distorted
According to.
6) Appraising subject dynamic credit information management
Objective dynamic credit rating：
Set up evaluation model：Commitment information correspondence the honouring an agreement in third-party platform of honouring an agreement of Appraising subject subjectivity consciousness of honesty
Storehouse, stack in the data of the record information of journey, lattice, with storehouse, stack, whether the having of lattice data, whether complete, whether true, correspondence
Do and do not have, do and do not have completely, do and do not have correctly to promising to undertake key element in course of performance behavior record, as data foundation,
Combining assessment main body sincerity degrees of overtness, Appraising subject subjectivity are honoured an agreement third party's record of key element and the objective behavior of credit of Appraising subject
Data, the evaluation model of objective dynamic credit grade is set up according to mathematical algorithms such as fuzzy neural networks.
Calculate objective dynamic credit grade：The objective dynamic credit grade of Appraising subject is calculated according to evaluation model.Institute
The evaluation model stated is additionally operable to carry out self-recision to the objective dynamic credit grade of Appraising subject.
Generation Appraising subject dynamic credit information：
Honoured an agreement according to the Appraising subject credit that can not distort the objective dynamic credit grade life of information, index information and Appraising subject
Into Appraising subject dynamic credit information, storage is honoured an agreement information space in Appraising subject credit.
Push Appraising subject dynamic credit information：
Pushed away by Appraising subject dynamic credit information and its in the honour an agreement URI addresses of information space of third-party platform Appraising subject credit
Appraising subject client is delivered to be processed.
7) Appraising subject loyalty information service codes management
Obtain Appraising subject loyalty information service codes：
The Appraising subject loyalty information service codes formed through Appraising subject client process are obtained, storage is carried out in Appraising subject credit
About information space.
Open Appraising subject loyalty information service codes：
To the public, Appraising subject loyalty information service codes are disclosed.
2. the Appraising subject client described in, possesses following functions：
1) Appraising subject sincerity space management
Foundation has Appraising subject sincerity space：
Honoured an agreement information and its index information, Appraising subject for storing Appraising subject sincerity degrees of overtness information, Appraising subject credit
URI addresses, the sincere letter of Appraising subject of dynamic credit information and its information space of being honoured an agreement in third-party platform Appraising subject credit
Breath service codes.
2) Appraising subject sincerity degrees of overtness information management
Generation Appraising subject sincerity degrees of overtness information：
According to the commitment information amount of honouring an agreement of Appraising subject subjectivity consciousness of honesty, generation Appraising subject sincerity degrees of overtness information.
Push Appraising subject sincerity degrees of overtness information：
Appraising subject sincerity degrees of overtness information is pushed to third-party platform, as the sincere degrees of overtness ranking of Appraising subject according to
According to.
3) Appraising subject credit is honoured an agreement information management
Generation Appraising subject credit is honoured an agreement information：
According to honour an agreement commitment information and the record information of course of performance of Appraising subject subjectivity consciousness of honesty, Appraising subject letter is formed
With the information of honouring an agreement.
Appraising subject credit is pushed to honour an agreement information：
Appraising subject credit is dynamically pushed to third-party platform to honour an agreement information.
Index information is managed：
Create Appraising subject credit to honour an agreement the index information of information, set up the information index in the sincere space of Appraising subject client
Honoured an agreement with the Appraising subject credit of third-party platform the data correlation of information space, realize that dynamic is pushed to third-party platform and index
Institute in information, described index information is used to associating and query evaluation Agent Client end or Appraising subject credit are honoured an agreement information space
The Appraising subject credit stated is honoured an agreement information.
4) Appraising subject dynamic credit information management
Obtain Appraising subject dynamic credit information：
Obtain through the Appraising subject dynamic credit information of third-party platform push and its carried out in third-party platform Appraising subject credit
Main body credit information of honouring an agreement in the about URI addresses of information space, and combining assessment is sincere in the Appraising subject of Appraising subject client
The URI addresses in space, as the information source for forming Appraising subject loyalty information service codes.
5) Appraising subject loyalty information service codes management
Generation Appraising subject loyalty information service codes：
By Appraising subject dynamic credit information and its third-party platform Appraising subject credit honour an agreement information space URI addresses,
Appraising subject credit honour an agreement information Appraising subject client Appraising subject sincerity space URI addresses processed, generate
The loyalty information service codes of Appraising subject.
Push Appraising subject loyalty information service codes：
Appraising subject loyalty information service codes are pushed into third-party platform.
3. the black box described in, possesses encryption and decryption functions：
1) for Appraising subject credit information of honouring an agreement to be carried out into encryption and decryption treatment through the password of authorized by state, and timestamp is added a cover,
Realize ciphertext storage, apply in plain text, ensure Appraising subject credit honour an agreement information storage with can not distort, and in third-party platform
Upper long-term reservation.
4. the loyalty information service codes of the Appraising subject described in：
The public is used for the loyalty information service codes by sweeping Appraising subject, can be bar code, RFID yards or Quick Response Code, obtains the 3rd
The function of the upper Appraising subject loyalty information external disclosures of Fang Pingtai and service.
The present embodiment further discloses a kind of objective dynamic credit rating method based on subjective consciousness of honesty, leads to
Cross third-party platform realization.
Objective dynamic credit rating method based on subjective consciousness of honesty, Appraising subject（As Appraising subject, product,
Mechanism, activity, people etc.）The commitment information amount of honouring an agreement of subjective consciousness of honesty forms sincere degrees of overtness grade, according to sincere degrees of overtness
The Appraising subject credit that the record information of commitment information and course of performance is formed is honoured an agreement information, is commented by objective dynamic credit grade
Valency model is calculated, and the objective dynamic credit rating of Appraising subject is realized by third-party platform：
1. sincere degrees of overtness ranking is information content of the foundation to commitment information disclosed in society first, and combines commitment information
In the weight of influence credit effect, the evaluation of sincere degrees of overtness grade is carried out, the evaluation of sincere degrees of overtness is objective dynamic credit
The basic basis of ranking；
2. objective dynamic credit rating be according to Appraising subject sincerity degrees of overtness in subjectivity sincerity commitment information honouring an agreement
During degree of honouring an agreement, the grade calculated according to Credit Rank Appraisal model on third-party platform；
3. the Appraising subject credit described in is honoured an agreement information, by Appraising subject subjectivity consciousness of honesty honour an agreement commitment information with honoured an agreement
The record information composition of journey, the Appraising subject credit information of honouring an agreement can store the Appraising subject in Appraising subject in third-party platform
Space, may be alternatively stored on third-party platform by URI address registrations and the own space of the Appraising subject system for associating；
4. the method that evaluation is realized, is that the commitment information of honouring an agreement of Appraising subject subjectivity consciousness of honesty is corresponding in third-party platform
Storehouse, stack in the data of the record information of course of performance, lattice, with storehouse, stack, whether the having of lattice data, whether complete, whether true
It is real, do and do not have, do and do not have completely, do and do not have correctly to promising to undertake key element corresponding to course of performance behavior record, it is objective moving
The basic data foundation of state credit rating；
5. the Appraising subject credit described in is honoured an agreement information, need to carry out encryption and decryption treatment through the password of authorized by state, realizes that ciphertext is deposited
Storage, apply in plain text, ensure Appraising subject credit honour an agreement information storage with can not distort, and protected for a long time on third-party platform
Stay.
As shown in Figure 1, including herein below：
1. Appraising subject client generates Appraising subject sincere according to the commitment information amount of honouring an agreement of Appraising subject subjectivity consciousness of honesty
Degrees of overtness information；
2. Appraising subject sincerity degrees of overtness information Store is in Appraising subject sincerity space, while third-party platform is pushed to, as
The foundation of Appraising subject sincerity degrees of overtness ranking；
3. third-party platform combination commitment information carries out the evaluation of sincere degrees of overtness grade in the weight of influence credit effect；
4. Appraising subject client according to honour an agreement commitment information and the course of performance of the subjective consciousness of honesty of Appraising subject record
Information, forms Appraising subject credit and honours an agreement information, after black box encryption, storage in Appraising subject sincerity space, while
It is pushed to third-party platform；
5. third-party platform is honoured an agreement Appraising subject credit the commitment information of honouring an agreement of the Appraising subject subjectivity consciousness of honesty in information
The Appraising subject subjectivity that can not distort of formation is honoured an agreement key element, and open to society, receives social supervision；Simultaneously by commenting for receiving
The record information of the course of performance that valency main body credit is honoured an agreement in information forms the objective behavior of credit of Appraising subject that can not distort
Third party's record data；
6. the record of the course of performance of the commitment information correspondence in third-party platform of honouring an agreement of Appraising subject subjectivity consciousness of honesty is believed
Storehouse, stack in the data of breath, lattice, with storehouse, stack, whether the having of lattice data, whether complete, whether true, corresponding to course of performance
Behavior record to promising to undertake that key element has been done and do not have, does and do not have completely, do and do not have correctly, as data foundation, combining assessment master
Body sincerity degrees of overtness, Appraising subject subjectivity are honoured an agreement third party's record data of key element and the objective behavior of credit of Appraising subject, according to
The mathematical algorithms such as fuzzy neural network set up the evaluation model of objective dynamic credit grade, and evaluation master is calculated according to evaluation model
The objective dynamic credit grade of body.
In the present embodiment, described Appraising subject credit honour an agreement information Store third-party platform Appraising subject credit carry out
About information space, described index information storage is honoured an agreement the index data of information space in the Appraising subject credit of third-party platform
Storehouse.
In the present embodiment, the Appraising subject credit information of honouring an agreement that Appraising subject client is voluntarily pushed to third-party platform is
The Appraising subject credit for having added a cover timestamp is honoured an agreement information, to form the Appraising subject credit that can not be distorted in third-party platform
Honour an agreement information.
Above-described is only embodiments of the invention, and the general knowledge such as known concrete structure and characteristic is not made herein in scheme
Excessive description, technical field that the present invention belongs to is all of before one skilled in the art know the applying date or priority date
Ordinary technical knowledge, can know all of prior art in the field, and with normal experiment hand before the application date
The ability of section, under the enlightenment that one skilled in the art can be given in the application, improves and implements with reference to self-ability
This programme, some typical known features or known method should not implement the application as one skilled in the art
Obstacle.It should be pointed out that for a person skilled in the art, on the premise of structure of the present invention is not departed from, can also make
Go out some deformations and improvement, these should also be considered as protection scope of the present invention, these effects implemented all without the influence present invention
Fruit and practical applicability.This application claims protection domain should be defined by the content of its claim, the tool in specification
Body implementation method etc. records the content that can be used for explaining claim.
Claims (8)
1. the objective dynamic credit rating platform of subjective consciousness of honesty is based on, it is characterised in that including third-party platform, commented
Valency Agent Client end, black box and Appraising subject loyalty information service codes；
Described third-party platform is used for：
Appraising subject registration management：Identity of the Appraising subject in platform is assigned, sincere space and the platform of Appraising subject is set up
The honour an agreement Appraising subject credit of information space of Appraising subject credit is honoured an agreement the data correlation of information；
Appraising subject black box is managed：Appraising subject black box is registered and the activation of Appraising subject black box；
Appraising subject credit is honoured an agreement the space management of information：Appraising subject credit is set up to honour an agreement information space, Appraising subject credit
The index data base of information of honouring an agreement, credit information data capture engine, credit information data-pushing engine and for objective dynamic
The evaluation model of state credit grade；
Described Appraising subject credit information space of honouring an agreement has the space structure of storehouse, stack, lattice, for storing Appraising subject credit
Information of honouring an agreement and Appraising subject dynamic credit information；
Described index data base has the space structure of storehouse, stack, lattice, is honoured an agreement the index of information for storing Appraising subject credit
Information；
Described credit information data capture engine is used to gather the commitment information of honouring an agreement of Appraising subject subjectivity consciousness of honesty, evaluates
Main body credit is honoured an agreement information and its index information；For gathering the sincere letter of Appraising subject formed through Appraising subject client process
Breath service codes and external disclosure；
Described credit information data-pushing engine is used for by Appraising subject dynamic credit information and its in third-party platform evaluation
The honour an agreement URI addresses of information space of main body credit push to Appraising subject client and are processed；
Appraising subject sincerity degrees of overtness information management：Appraising subject sincerity degrees of overtness ranking, according to Appraising subject client
The commitment information amount of honouring an agreement of the corresponding Appraising subject subjectivity consciousness of honesty of Appraising subject sincerity degrees of overtness of push, believes with reference to promising to undertake
The weight in influence credit effect is ceased, the evaluation of Appraising subject sincerity degrees of overtness grade is carried out, Appraising subject is formed sincere open
Degree grade, as the basic basis of the objective dynamic credit rating of Appraising subject；
Appraising subject credit is honoured an agreement information management：Obtain Appraising subject credit to honour an agreement information, obtain Appraising subject client push
Appraising subject credit honour an agreement information, the Appraising subject credit information of honouring an agreement can store the commenting in third-party platform in Appraising subject
Valency principal space, may be alternatively stored in own with the Appraising subject system for associating by URI address registrations on third-party platform
Space；
Obtain index information：The Appraising subject credit that Appraising subject client dynamically pushes is obtained to honour an agreement the index information of information;
Index information is stored in described index data base；
Treatment Appraising subject credit is honoured an agreement information：Appraising subject subjectivity consciousness of honesty in information that Appraising subject credit is honoured an agreement
Commitment information of honouring an agreement forms the Appraising subject subjectivity that can not distort and honours an agreement key element, and open to society, receives social supervision；Simultaneously
The record information of the course of performance that the Appraising subject credit that will be received is honoured an agreement in information forms the Appraising subject visitor that can not be distorted
See third party's record data of behavior of credit；
Appraising subject dynamic credit information management：Objective dynamic credit rating, sets up evaluation model：Appraising subject is subjective really
Storehouse, stack, lattice in the data of the record information of the course of performance of the commitment information correspondence in third-party platform of honouring an agreement of letter consciousness,
With storehouse, stack, whether the having of lattice data, whether complete, whether true, done to promising to undertake key element corresponding to course of performance behavior record
Do not have, do and do not have completely, do and do not have correctly, as data foundation, combining assessment main body sincerity degrees of overtness, Appraising subject master
Third party's record data of honour an agreement key element and the objective behavior of credit of Appraising subject is seen, is built according to mathematical algorithms such as fuzzy neural networks
Found the evaluation model of objective dynamic credit grade；
Calculate objective dynamic credit grade：The objective dynamic credit grade of Appraising subject is calculated according to evaluation model；
Generation Appraising subject dynamic credit information：According to the Appraising subject credit that can not distort honour an agreement information, index information with comment
The objective dynamic credit grade generation Appraising subject dynamic credit information of valency main body, storage is empty in Appraising subject credit information of honouring an agreement
Between；
Push Appraising subject dynamic credit information：By Appraising subject dynamic credit information and its in third-party platform Appraising subject letter
Appraising subject client is pushed to the URI addresses of information space of honouring an agreement to be processed；
Appraising subject loyalty information service codes are managed：Obtain Appraising subject loyalty information service codes and the sincere letter of open Appraising subject
Breath service codes, Appraising subject loyalty information service codes are disclosed to the public；
Described Appraising subject client, foundation has Appraising subject sincerity space：For storing Appraising subject sincerity degrees of overtness letter
Breath, Appraising subject credit are honoured an agreement information and its index information, Appraising subject dynamic credit information and its in third-party platform evaluation
Main body credit is honoured an agreement URI addresses, the Appraising subject loyalty information service codes of information space；
Appraising subject sincerity degrees of overtness information management：Generation Appraising subject sincerity degrees of overtness information, it is subjective really according to Appraising subject
Believe the commitment information amount of honouring an agreement of consciousness, generation Appraising subject sincerity degrees of overtness information；Appraising subject sincerity degrees of overtness information is pushed,
Appraising subject sincerity degrees of overtness information to third-party platform is pushed, as the foundation of Appraising subject sincerity degrees of overtness ranking；
Appraising subject credit is honoured an agreement information management：Generation Appraising subject credit is honoured an agreement information, according to the subjective sincere meaning of Appraising subject
The record information of honour an agreement commitment information and the course of performance known, forms Appraising subject credit and honours an agreement information；Push Appraising subject letter
With the information of honouring an agreement, Appraising subject credit is dynamically pushed to third-party platform and is honoured an agreement information；
Index information is managed：Create Appraising subject credit to honour an agreement the index information of information, set up the sincerity of Appraising subject client
The information index in space and the Appraising subject credit of third-party platform are honoured an agreement the data correlation of information space, realize dynamic to the 3rd
Fang Pingtai pushes index information, and described index information is used to associate and query evaluation Agent Client end or Appraising subject credit are carried out
Appraising subject credit about described in information space is honoured an agreement information；
Appraising subject dynamic credit information management：Appraising subject dynamic credit information is obtained, obtains what is pushed through third-party platform
The URI addresses of Appraising subject dynamic credit information and its information space of being honoured an agreement in third-party platform Appraising subject credit, and combine
Appraising subject credit honour an agreement information Appraising subject client Appraising subject sincerity space URI addresses, as formed evaluate
The information source of main body loyalty information service codes；
Appraising subject loyalty information service codes are managed：Generation Appraising subject loyalty information service codes：By Appraising subject dynamic credit
Information and its exist in the third-party platform Appraising subject credit URI addresses of information space, Appraising subject credit information of honouring an agreement of honouring an agreement
The URI addresses in the Appraising subject sincerity space of Appraising subject client are processed, and generate the loyalty information service of Appraising subject
Code；
Push Appraising subject loyalty information service codes：Appraising subject loyalty information service codes are pushed into third-party platform；
Described black box, possesses encryption and decryption functions, for Appraising subject credit information of honouring an agreement to be entered through the password of authorized by state
The treatment of row encryption and decryption, and adds a cover timestamp, realizes ciphertext storage, applies in plain text, ensures that Appraising subject credit is honoured an agreement the depositing of information
Store up and can not distort, and retain on third-party platform；
Described Appraising subject loyalty information service codes：The public obtains the 3rd by sweeping the loyalty information service codes of Appraising subject
The function of the upper Appraising subject loyalty information external disclosures of Fang Pingtai and service.
2. the objective dynamic credit rating platform based on subjective consciousness of honesty according to claim 1, its feature exists
In：Described evaluation model is additionally operable to carry out self-recision to the objective dynamic credit grade of Appraising subject.
3. the objective dynamic credit rating method of subjective consciousness of honesty is based on, it is characterised in that including herein below：
The commitment information amount of honouring an agreement of Appraising subject subjectivity consciousness of honesty forms sincere degrees of overtness grade, is promised to undertake according to sincere degrees of overtness
The Appraising subject credit that the record information of information and course of performance is formed is honoured an agreement information, by objective dynamic Credit Rank Appraisal mould
Type is calculated, and the objective dynamic credit rating of Appraising subject is realized by third-party platform：
Sincere degrees of overtness ranking is information content of the foundation to commitment information disclosed in society first, and is existed with reference to commitment information
The weight of influence credit effect, carries out the evaluation of sincere degrees of overtness grade, and the evaluation of sincere degrees of overtness is objective dynamic credit etc.
The basic basis of level evaluation；
Objective dynamic credit rating is that the subjectivity sincerity commitment information in Appraising subject sincerity degrees of overtness was being honoured an agreement
Degree of honouring an agreement in journey, the grade calculated according to Credit Rank Appraisal model on third-party platform；
Described Appraising subject credit is honoured an agreement information, by honour an agreement commitment information and the course of performance of Appraising subject subjectivity consciousness of honesty
Record information composition, the Appraising subject credit information of honouring an agreement can store empty in the Appraising subject of third-party platform in Appraising subject
Between, may be alternatively stored on third-party platform by URI address registrations and the own space of the Appraising subject system for associating；
The method realized is evaluated, is the shoe of the commitment information correspondence in third-party platform of honouring an agreement of Appraising subject subjectivity consciousness of honesty
Storehouse, stack, lattice about in the data of the record information of process, with storehouse, stack, whether the having of lattice data, whether complete, whether true,
Do and do not have, do and do not have completely, do and do not have correctly to promising to undertake key element corresponding to course of performance behavior record, be objective dynamically to believe
With the basic data foundation of ranking；
Described Appraising subject credit is honoured an agreement information, need to carry out encryption and decryption treatment through the password of authorized by state, realize ciphertext storage,
Apply in plain text, ensure Appraising subject credit honour an agreement information storage with can not distort, and retain for a long time on third-party platform.
4. the objective dynamic credit rating method based on subjective consciousness of honesty according to claim 3, its feature exists
In, Appraising subject client voluntarily to third-party platform push Appraising subject credit honour an agreement information while, also to third party
Platform pushes and can inquire about the Appraising subject credit and honour an agreement the index information of information.
5. the objective dynamic credit rating method based on subjective consciousness of honesty according to claim 4, its feature exists
Honoured an agreement information space in the Appraising subject credit of third-party platform in, described Appraising subject credit information Store of honouring an agreement, it is described
Index information storage honoured an agreement the index data base of information space in the Appraising subject credit of third-party platform.
6. the objective dynamic credit rating method based on subjective consciousness of honesty according to claim 3, its feature exists
In, the method that described evaluation is realized, combining assessment main body sincerity degrees of overtness, Appraising subject subjectivity are honoured an agreement key element and Appraising subject
Third party's record data of objective behavior of credit, sets up objective dynamic according to mathematical algorithms such as fuzzy neural networks in third-party platform
The evaluation model of state credit grade, the objective dynamic credit grade of Appraising subject is calculated according to evaluation model.
7. the objective dynamic credit rating method based on subjective consciousness of honesty according to claim 4, its feature exists
After, third-party platform forms the objective dynamic credit grade of Appraising subject, also including can be to the objective dynamic credit of Appraising subject etc.
The step of level is corrected automatically, forms the dynamic objective credit grade of Appraising subject.
8. the objective dynamic credit rating method based on subjective consciousness of honesty according to claim 4, its feature exists
In the Appraising subject credit information of honouring an agreement that Appraising subject client is voluntarily pushed to third-party platform is to have added a cover commenting for timestamp
Valency main body credit is honoured an agreement information, is honoured an agreement information to form the Appraising subject credit that can not be distorted in third-party platform.
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| CN106875132B (en) | 2020-11-24 |
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