CN107193986A - A kind of internet finance data public's checking method - Google Patents
A kind of internet finance data public's checking method Download PDFInfo
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- CN107193986A CN107193986A CN201710391391.8A CN201710391391A CN107193986A CN 107193986 A CN107193986 A CN 107193986A CN 201710391391 A CN201710391391 A CN 201710391391A CN 107193986 A CN107193986 A CN 107193986A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/951—Indexing; Web crawling techniques
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The invention discloses a kind of internet finance data public's checking method, belong to technical field of data processing.Methods described includes personal investment data query, fails to report supplement, misrepresents deliberately correction and enterprise operation index statistics.The method provided using the present invention, it can be verified that public user was invested in internet financial company, and was normally monitored by national authority department;The technical support platform to internet financial company Investment & Financing Risk Monitoring is provided for country;One is provided for internet financial investment user to may be referred to, can track the national authority entrance of investment, helps Internet user to manage money matters safely, rationality financing reduces investment risk.The present invention has very strong practicality and generalization, helps the financing of internet financial investment user security, with being widely applied very much prospect.
Description
Technical field
The invention belongs to technical field of data processing, it is related to applied to national Internet financial monitoring department (country's interconnection
Net emergency center is responsible for) to all kinds of internet financial companies transaction data is fed back to public's inquiry, the public, feedback is audited, enterprise
The service fields such as industry data validity error correction, specifically, refer to a kind of internet finance data public's checking method.
Background technology
As the financial monitoring department of national Internet (hereinafter referred to as national monitoring department) is to internet finance (internet gold
Melt point-to-point loan platform) enterprise access quantity it is more and more, the integrality of transaction data, authenticity questions occur therewith.By
Codes and standards never unified on data checking method, the business data of national monitoring department access are accessed in enterprise
Authenticity it is difficult to ensure that.
The content of the invention
The problem of in order to solve business data authenticity present in prior art, the present invention provides a kind of internet finance
Data public's checking method, the present invention is applied to national Internet emergency center (hereinafter referred to as center), utilizes internet finance
Investment user (the hereinafter referred to as public) mode of checking oneself achieve a butt joint into internet financial company data validity verification.
Internet finance data public's checking method that the present invention is provided, including to personal investment data query, fail to report benefit
Fill, misrepresent deliberately the step such as correction and enterprise operation index statistics, it is specific as follows:
The first step, personal investment data query.
The public goes out oneself in internet financial company (hereinafter referred to as enterprise) in national monitoring department Financial Information library inquiry
In investment data, investment data derives from the data of financial transaction that national monitoring department has been accessed.Investment data secure side
Face, the personal information of the public transmits hash values using irreversible encryption algorithm, when the public inquires about by encrypt return hash values and
Information bank is compared, and inquires investment data of the public in correspondence enterprise, realizes the Safety query of personal investment data.
The present invention supports the public to the Safety query of the information bank of national monitoring department, the whole ciphertext of all query process
Match somebody with somebody, each public can only inquire about the investment data of oneself in enterprise has been accessed.
Second step, fails to report supplement;
When the public does not inquire oneself investment data in enterprise in the information bank of national monitoring department, pass through web
System or mobile phone A PP initiate to fail to report feedback to national monitoring department;Investment record, including investment project information, throwing are failed to report in arrangement
The money record page, the investment order page, short message sectional drawing etc., upload what is really invested successively by web system or mobile phone A PP
Project information and relevant evidential material wait the examination & verification processing of relevant departments to national monitoring department.
The present invention supports the investment data not inquired to the public to carry out reporting feedback, and the public can be anti-by associated intermediary
Present the investment data of oneself and report testimonial material, feed back the true investment record in enterprise.
3rd step, misrepresents deliberately correction;
The investment data that the public checks out in the information bank of national monitoring department is truly invested with oneself in enterprise
During mismatch, it can initiate to fail to report feedback to national monitoring department by web system or mobile phone A PP.It is true that oneself is arranged first
The testimonial material of investment, including the project and the amount of money of investment, the investment record page, the investment order page, short message sectional drawing etc., lead to
Cross web systems or mobile phone A PP uploads true investing tip and relevant evidential material to national monitoring department successively, wait related
The examination & verification processing of department.
The present invention supports Query Result and the personal true investment in enterprise in national monitoring department information bank to the public
During mismatch, carry out material and report feedback.The public by associated intermediary filling explanation and can report testimonial material, feed back institute
In the true investment data of enterprise, correction is misrepresented deliberately in realization.
4th step, enterprise operation index statistics;
According to the public in the investment data situation of each enterprise, the true operation index of each platform is counted, including:Enterprise
Industry adds up total transaction amount, accumulative investment number, transaction stroke count, average investment amount, loan balance, the overdue rates of M1 etc..According to the public
Inquiry and feedback in national monitoring department information bank, count failing to report number, misrepresenting deliberately number etc. under each enterprise.
The advantage of the invention is that:
(1) financial investment user in internet is the situation that the public checks oneself investment in national monitoring department, it can be verified that public
Many users invested in internet financial company, and were normally monitored by national authority department.
(2) the technical support platform to internet financial company Investment & Financing Risk Monitoring is provided for country.
(3) one is provided for internet financial investment user to may be referred to, the national authority entrance of investment can be tracked,
Internet user is helped to manage money matters safely, rationality financing reduces investment risk.
(4) present invention helps the financing of internet financial investment user security, had with very strong practicality and generalization
It is widely applied very much prospect.
Brief description of the drawings
Fig. 1 is a kind of examination schematic flow sheet of internet finance data public's checking method of the present invention;
Fig. 2 is the application exemplary plot of the present invention.
Embodiment
Below in conjunction with drawings and examples, the present invention is described in further detail.
The present invention provides a kind of internet finance data public's checking method, dependent on the financial monitoring platform of national Internet
The internet financial company transaction data of access, designs a set of dependence public strength and veritifies internet finance enterprise on this basis
Industry data integrity, the method for authenticity.The transaction data and business characteristic of access enterprise are combed, national Internet gold is formed
Melt information bank, interacted by the visual page with national Internet financial investment user (the hereinafter referred to as public), realize the public
Examination to internet financial company investment data;Query, public personnel query are inquired about enterprise caused by failing to report or misrepresenting deliberately
Fill in real information and testimonial material reports national monitoring department, initiate feedback;National monitoring department is to public's feedack
Timely examination & verification processing, it is ensured that national Internet Financial Information storehouse it is accurate and true, counted and national supervised based on information bank
The operation index of the enterprise of survey.The present invention is national Internet emergency center (in hereinafter referred to as mainly for state supervision department
The heart) mass-rent veritification service is provided.Flow as shown in Figure 1, described internet finance data public's checking method specifically include as
Lower step:
The first step, personal investment data query specifically includes following content:
1- register account numbers
Need financial investment user in the internet i.e. public to provide personal mobile phone number, registered by short message certification mode, and
Personal information real name is completed by real-name authentication entrance, including:The positive reflection of light of identity card, hand-held identity card are according to upload etc..
2- business data is inquired about
National monitoring department information bank provides the investment data of each enterprise in real time, realizes internet financial investment use
Family can inquire the previous day before all personal investment data.
3- selects enterprise
The business data accessed according to personal investment situation and current national monitoring department, internet financial investment is used
The enterprise that family selection is to one's name invested, system filters out investing tips all under current enterprise according to the enterprise of selection.
4- now holds and history investment product list
The request that system is initiated according to the investment public, internet financial investment user is gone out from national monitoring department Rapid matching
Now hold all product data lists invested with history, internet financial investment is responsive to by web page or mobile phone A PP
Before user plane, internet financial investment user contrast is facilitated to verify the investment situation of oneself.
5- checks product details
Public choice is currently held invests certain investment product in list with history, passes through web page or mobile phone A PP is clicked on
Into check it is current hold or history investment data all details, including investment time, investment amount, year income, product
The detail records such as cycle, daily interest, redemption.
Second step, fails to report supplement.
Whether 6- fails to report
The public judges that investment list or project are detailed to doing artificial checking in the true investment situation of national monitoring department and enterprise
Whether data are failed to report in feelings part.If failed to report, turn the step 9 in the 4th step.
3rd step, misrepresents deliberately correction.
Whether 7- misrepresents deliberately
The public judges whether the data invested to doing artificial checking in the true investment situation of national monitoring department and enterprise
Whether mistake, such as:Investment amount is not reciprocity.
8- error correction informations
The processing public artificially judges to invest error logging, national monitoring department is returned by web page or mobile phone A PP
Error message carries out error correction.
4th step, fills in and fails to report or misrepresent deliberately information.
9- additions are failed to report
The processing public artificially judges that investment data fails to report problem, and national monitoring department is returned by web page or mobile phone A PP
The data for returning missing carry out failing to report supplement.
10-, which is filled in, fails to report or misrepresents deliberately information
The public, in the true investment situation of enterprise, fills in the personal investing tip under enterprise, confirms country according to individual
Monitoring department is that what conveniently country was more favourable goes to detect enterprise because enterprise invests record problem caused by failing to report or misrepresenting deliberately,
Judge enterprise investment security by assessing, it is ensured that the financing safety of the public.
11- uploads testimonial material
Public's personnel query that participation is verified has a question to data and need to provide relevant evidential material, convenient country's monitoring department
Feedback content is effectively treated, it is to avoid internet financial company is receiving supervision while reporting falseness using fraudulent meanses
Data.Testimonial material can include file and picture (short message, sectional drawing etc.), material of the national Internet emergency center to upload
Checking analysis is done, the processing work appealed to user is finally completed.
Described testimonial material includes investment project, the project cycle, expected year income, trade date and investment amount
Deng being uploaded by the way of webpage capture or short message sectional drawing.
The monitoring department examination & verification of 12- countries
National monitoring department is received after the application of public's feedback, by background audit system, using automation and manually
Processing mode completes the quick examination & verification to feedback application, it is ensured that the authenticity of feedback.
13- informs public's personnel query
After the completion of national monitoring department examination & verification, public's personnel query result is informed in an informed way.
14- notifies enterprise to verify data
The result that national monitoring department examination & verification is fed back according to the public, determines that enterprise's reported data is wrong, notifies that enterprise is timely
The problem of being fed back according to the public verifies business data.
15- supplements missing data
Enterprise verifies data and finds shortage of data problem, to central information storehouse, can complete country by supplement missing data in time
Veritification work of the monitoring department to business data.
5th step, enterprise operation index statistics.
According to the public in the investment data situation of each enterprise, the true operation index of each platform is counted, including:Enterprise
Industry adds up total transaction amount, accumulative investment number, transaction stroke count, average investment amount, loan balance, the overdue rates of M1 etc..According to the public
Inquiry and feedback in national monitoring department information bank, count failing to report number, misrepresenting deliberately number etc. under each enterprise.
Using example
As shown in Fig. 2 internet financial investment user (public) by web page or mobile phone A PP to national monitoring department
The investment inquiry request in certain enterprise is initiated, system automatically processes inquiry request, return to personal all of the public under correspondence enterprise
Investment product information and history investment product information list are to the page.True investment feelings of the public according to individual under the enterprise
Condition verifies the data responded from national monitoring department, and examination is completed if had no problem;If there is failing to report, misrepresent deliberately problem
Then initiate to feed back to national monitoring department by web systems and mobile phone A PP entrances, fill in fail to report and misrepresent deliberately information, and upload proof
Material, waits national monitoring department examination & verification, completes examination.
Claims (2)
1. a kind of internet finance data public's checking method, it is characterised in that:Including personal investment data query, fail to report benefit
Fill, correction and enterprise operation index statistics are misrepresented deliberately, specifically, comprising the following steps:
The first step, personal investment data query
(1) register account number
(2) business data is inquired about
National monitoring department information bank provides the investment data of each enterprise in real time, realizes internet financial investment user's energy
All personal investment data before enough inquiring the previous day;
(3) enterprise is selected
The business data accessed according to personal investment situation and current national monitoring department, internet financial investment user choosing
The enterprise to one's name invested is selected, system filters out investing tips all under current enterprise according to the enterprise of selection;
(4) now hold and history investment product list
The request that system is initiated according to the investment public, goes out internet financial investment user from national monitoring department Rapid matching and now holds
There are all product data lists invested with history, financial investment user plane in internet is responsive to by web page or mobile phone A PP
Before;
(5) product details are checked
Public choice is currently held invests certain investment product in list with history, is clicked to enter by web page or mobile phone A PP
Check it is current hold or history investment data all details, including investment time, investment amount, year income, production life cycle,
Daily interest and redemption are recorded;
Second step, fails to report supplement;
(6) whether fail to report
If failed to report, turn the step (9) in the 4th step;
3rd step, misrepresents deliberately correction;
(7) whether misrepresent deliberately
The public judges whether whether is the data invested to doing artificial checking in the true investment situation of national monitoring department and enterprise
Mistake;
(8) error correction information
The processing public artificially judges to invest error logging, the mistake for returning to national monitoring department by web page or mobile phone A PP
Information carries out error correction;
4th step, fills in and fails to report or misrepresent deliberately information;
(9) addition is failed to report
The processing public artificially judges that investment data fails to report problem, and national monitoring department is returned by web page or mobile phone A PP and lacked
The data of mistake carry out failing to report supplement;
(10) fill in and fail to report or misrepresent deliberately information
The public, in the true investment situation of enterprise, fills in the personal investing tip under enterprise according to individual, confirms country's monitoring
Department is that what conveniently country was more favourable goes to detect enterprise, passes through because enterprise invests record problem caused by failing to report or misrepresenting deliberately
Assessment judges enterprise investment security, it is ensured that the financing safety of the public;
(11) testimonial material is uploaded
Described testimonial material includes investment project, the project cycle, expected year income, trade date and investment amount, uses
The mode of webpage capture or short message sectional drawing is uploaded;
(12) national monitoring department examination & verification
National monitoring department is received after the application of public's feedback, by background audit system, using automation and artificial treatment
Mode completes the quick examination & verification to feedback application, it is ensured that the authenticity of feedback;
(13) public's personnel query is informed
After the completion of national monitoring department examination & verification, public's personnel query result is informed in an informed way;
(14) enterprise is notified to verify data
The result that national monitoring department examination & verification is fed back according to the public, determines that enterprise's reported data is wrong, notifies the timely basis of enterprise
The problem of public feeds back verifies business data;
(15) missing data is supplemented
Enterprise verifies data and finds shortage of data problem, to central information storehouse, can complete country's monitoring by supplement missing data in time
Veritification work of the department to business data;
5th step, enterprise operation index statistics;
According to the public in the investment data situation of each enterprise, the true operation index of each platform is counted, is existed according to the public
Inquiry and feedback in national monitoring department information bank, count failing to report number, misrepresenting deliberately number under each enterprise.
2. a kind of internet finance data public's checking method according to claim 1, it is characterised in that:Described investment
The data of financial transaction that data source has been accessed in national monitoring department;The personal information of the public is passed using irreversible encryption algorithm
Hash values are passed, are compared when the public inquires about by encrypting return hash values with information bank, the public are inquired in correspondence enterprise
Investment data, realize the Safety query of personal investment data;The whole ciphertext matching of personal investment data query, each public
The investment data of oneself can only be inquired about in enterprise has been accessed.
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CN201710391391.8A CN107193986B (en) | 2017-05-27 | 2017-05-27 | Public checking method for internet financial data |
Applications Claiming Priority (1)
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CN201710391391.8A CN107193986B (en) | 2017-05-27 | 2017-05-27 | Public checking method for internet financial data |
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CN107193986A true CN107193986A (en) | 2017-09-22 |
CN107193986B CN107193986B (en) | 2020-06-12 |
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CN201710391391.8A Active CN107193986B (en) | 2017-05-27 | 2017-05-27 | Public checking method for internet financial data |
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Cited By (1)
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Cited By (2)
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