CN107194804B - Automatic verification method for P2P network credit data - Google Patents
Automatic verification method for P2P network credit data Download PDFInfo
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- CN107194804B CN107194804B CN201710391332.0A CN201710391332A CN107194804B CN 107194804 B CN107194804 B CN 107194804B CN 201710391332 A CN201710391332 A CN 201710391332A CN 107194804 B CN107194804 B CN 107194804B
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Abstract
The invention discloses an automatic verification method for P2P network credit data, which comprises the following steps: data access, step two: and (3) automatic auditing of data access, step three: data API automatic access, step four: the automatic data check is completed, and the data multiple check is automatically performed, safely and intelligently; the method has strong practicability and wide application prospect.
Description
Technical Field
The invention relates to the service fields of operation data access, verification, query, internet financial risk assessment and the like of internet financial enterprises (enterprises for short).
Background
In recent years, with the continuous development of computer technology and the internet, the number of P2P (internet finance point-to-point loan platform) enterprises is increasing, and the financial risks (running risk, bad account risk, overdue risk, liquidity risk, and policy risk) are increasing.
Disclosure of Invention
The invention aims to solve the problems, and provides an automatic P2P network loan data verification method, which can verify the financial data of the Internet financial enterprise, receive and store the P2P data accessed by the Internet financial enterprise and provide the later center with statistical analysis, risk assessment and the like of the P2P data in order to ensure the benefits and property safety of vast investors and lenders.
The invention is applied to data access, data automatic check and financial data storage of the national internet emergency center (hereinafter referred to as center) to internet financial enterprises.
The invention provides an automatic verification method for P2P network credit data, which comprises the following steps:
data access
The system is used as an enterprise data access entrance, and has the main functions of completely transmitting and storing data of an internet financial enterprise to a center, providing statistical analysis and use of data after the center, supporting a formal interface and a test interface, supporting auditing and manual intervention processes of platform reported data, supporting an accessed enterprise to self-help acquire data access instructions and Demo sample check through a secondary WEB entrance of an external service website, self-help acquiring access field requirements, limitations and specifications, self-help inquiring platform ID generated after the platform auditing is passed, accessing test UR L and other information, and supporting a system administrator to perform maintenance operations such as adding, modifying, deleting and the like on enterprise access information in a WEB mode.
(II) automated auditing of data access
In the data access process of the internet financial enterprise, the system WEB rear end automatically counts the data reporting quantity of the enterprise according to the data access specification of the internet financial enterprise formulated by the center, and automatically detects whether a data field pushed by the enterprise meets the requirement, whether the data association is normal and whether the field is complete.
The invention supports automatic feedback of data accessed by the internet financial enterprises, and if the data are not in accordance with the standard, the information is explicitly fed back to the detailed information of the enterprises through the WEB website and the API interface debugging information, so that the enterprises can conveniently modify the data of the enterprises by self according to the feedback information until the data access standard of the enterprises is met.
(III) data API automation access
The invention supports the automatic test and verification function of the enterprise access data and ensures the accuracy of the enterprise access data. The influence of continuous access of the enterprise data on the historical access data is reduced.
The interfaces are divided into four categories:
1) self-service verification interface: and supporting the access enterprise to self-develop the access program according to the Demo sample. And uploading the data to a test server through the API by self-service to carry out access program, interface and data verification until the interface verification is successful. And the data transmission is carried out in an HTTPS + JSON format, and high concurrent access is supported.
2) Automatic data integrity verification: and after the interface passes self-service verification, the system supports further data integrity verification and self-service verification whether the access data meets the corresponding specification. And the detailed description of the verification failure is supported, so that the access enterprise can conveniently self-adjust the data and perform verification again according to the returned failure description until the verification is successful.
3) Automatic data association verification: and after the data integrity passes the verification, the system supports further verification through the association relation among the data tables, and ensures that the accessed data meets the final requirement. The main supported authentication items are 1) user and pipelining associated authentication. 2) And the user is verified in association with the hash mark. 3) And verifying the flowing water and financing association. 4) And verifying association between the running water and the scattered label. 5) And verifying association between the scatter labels and the running water.
4) Self-service examination and approval: after the access enterprise finishes the data verification work, the system supports automatic scoring according to the data verification result and the data quality submitted by the user, and automatically pushes the scoring result to the access enterprise.
(IV) complete automated data verification
And after the automatic data verification is completed, the accessed data of the internet financial enterprise is put into a warehouse. The center is provided for later use in statistical analysis, risk assessment, etc. of the data. And a system administrator is provided to carry out maintenance operations such as adding, modifying, deleting and the like on the enterprise access information in a WEB mode.
The invention has the advantages that:
(1) the data multiple verification is performed automatically, safely and intelligently;
(2) the tool has strong practicability and wide application prospect.
Drawings
FIG. 1 is a schematic view of the verification process of the present invention;
FIG. 2 is an auto-correlation verification diagram of the present invention;
fig. 3 is a diagram of an application example of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples.
The invention discloses an automatic verification method of P2P network credit data, the flow is shown as figure 1, and the method comprises the following steps:
(1) internet financial enterprise
And the internet financial enterprises needing data access, such as the Jing gold institute, pterosaur loan, Heyitong, love investment, wealth-raising valley and the like. Each accessed internet financial enterprise has a unique ID.
(2) Data access application
The enterprise initiates a data access application, self-service data access description and Demo sample check are obtained through a secondary WEB entrance of a central external service website, self-service access field requirements, limitations and specifications are obtained, a self-service inquiry platform audits platform ID generated after the access field requirements, limitations and specifications are obtained, and information such as a UR L is accessed.
(3) Business, technology assessment
After the enterprise initiates the application, the feedback information of the external service website is sent through the center, and the service characteristics and the operation mode of the enterprise platform are combined to evaluate the service and the implementation technology.
(4) Automatic check scoring
Test data are uploaded through a test data access interface provided by the platform, and the system performs preliminary automatic check and scoring. If the preliminary verification passes, the enterprise can self-help acquire information such as data access description, Demo sample, field requirement, verification specification and the like through a three-level WEB entrance of a central external service website to develop and debug the data access program. If the preliminary verification fails, the information is returned to the Internet financial enterprise, and the Internet financial enterprise evaluates again according to the information returned by the system.
(5) Enterprise reevaluation
And after the enterprise evaluates again, continuing to initiate the data access application until the preliminary automatic verification is passed.
(6) Enterprise data access program development & debugging
After the preliminary automatic check is passed, the enterprise can self-help acquire the description and the sample of data access through a secondary WEB entrance of the central service website, self-help acquire the requirement, the limitation and the specification of an access field, self-help inquire information such as a platform ID generated after the platform is checked, and an access test UR L, and through the information, enterprise technicians develop and debug a data access program, call the test UR L distributed during data access application during debugging to perform data uploading check, and meet the data access specification of the internet financial enterprise.
(7) Automated integrity verification
After the enterprise data access program is developed, the enterprise calls a data access interface provided by the system through a self-developed program to upload data. After the system receives the data transmitted by the enterprise, the automatic data integrity standard verification is carried out. Authentication includes the field type, length and format of the access data. Such as: and (4) effectively checking whether the format of the identification card number of the borrower is correct, whether the number of digits of the identification card is 18 digits, and the like.
And automatically feeding back the data accessed by the enterprise after the data verification is finished, and if the data is not in line with the standard, explicitly feeding back the debugging information to the detailed information of the enterprise through a WEB website and an API (application program interface), so that the enterprise can conveniently correct the data by self according to the feedback information until the data access standard of the enterprise is met.
After the data check is passed, the accessed test data is deleted, and the influence on the data accessed next time is avoided.
(8) Automated relevance verification
As shown in fig. 2, after the integrity check of the data accessed by the enterprise passes, the system further performs data association check according to the association relationship before accessing the data table of the data. The relevance verification comprises the following steps: user and running water correlation verification, user and scattered label correlation verification, running water and financing correlation verification, running water and scattered label correlation verification and scattered label and running water correlation verification.
And if the relevance verification fails, the accessed data is not in accordance with the standard, the detailed information of the relevance verification result is fed back to the accessed Internet financial enterprise, and the item of the relevance verification failure is determined. Such as: user and pipelining association authentication fails, etc. And the accessed test data is deleted in the system, so that the influence on the next accessed data is avoided.
(9) Official data access
The automatic data integrity verification and the automatic data relevance verification are used for assisting an enterprise to adjust data, and after the verification of the automatic data integrity verification and the automatic data relevance verification is passed, formal data can be accessed into the system.
(10) Automatic verification of official data
In order to ensure that the formal data accessed by the enterprise is effective and correct, the system performs the last verification after the formal data is received, and stores the accessed formal data in a warehouse for storage after the verification is passed, so as to provide statistical analysis and use of the data after the center. If the verification fails, returning information to the Internet financial enterprise, and after the enterprise adjusts the data access program through the returned information, continuing the data verification process until the official data verification is passed.
(11) Complete automated data verification
And after passing the automatic verification of the formal data, the formal data can be put into a warehouse, so that the data can be conveniently analyzed and counted by a center for the internet financial enterprises.
Examples
As shown in fig. 3, the jinkyo (P2P enterprise) initiates a data access application to the system, the system automatically processes the application, generates a jinkyo platform ID, and returns the ID, data access specification, Demo sample, and other information to the jinkyo. And after the Beijing gold obtains the return information, developing and debugging the access program. After the development work is finished, the data can be accessed to the system, and after the system obtains the data, automatic data verification including integrity verification and relevance verification is carried out. And after the verification is passed, putting the accessed financial data of the Jing jin institute into a warehouse for storage, and completing one-time data access.
Claims (3)
1. An automatic verification method for P2P network credit data comprises the following steps:
the method comprises the following steps: data access
Transmitting the data of the Internet financial enterprise to a center for storage;
step two: data access automation auditing
In the data access process of the internet financial enterprise, the rear end of the system WEB automatically counts the reported quantity of enterprise data according to the data access specification of the internet financial enterprise formulated by the center, and automatically detects whether the data fields pushed by the enterprise meet the requirements, whether the data association is normal and whether the fields are complete;
automatically feeding back data accessed by the internet financial enterprise, if the data do not meet the standard, explicitly feeding back detailed information of the enterprise through a WEB website and API (application program interface) debugging information, and automatically correcting the data of the enterprise according to the feedback information by the enterprise until the data access standard of the enterprise is met;
step three: data API automation access
Carrying out automatic test and verification on enterprise access data;
step four: complete automated data verification
And after the automatic data verification is completed, the accessed data of the internet financial enterprises are put into a warehouse, and a system administrator is provided to perform new addition, modification and deletion maintenance operation on the enterprise access information in a WEB mode.
2. The automatic P2P network credit data checking method according to claim 1, wherein in the first step, a center supports a formal interface and a test interface, supports a platform to report data checking and manual intervention processes, supports an access enterprise to obtain data access instructions and Demo sample checking by self help from a secondary WEB entry of an external service website, obtains access field requirements, limitations and specifications by self help, queries a platform ID generated after the platform passes the checking and accesses test UR L information, and supports a system administrator to perform maintenance operations of adding, modifying and deleting access information of the enterprise in a WEB manner.
3. The method of claim 1, wherein in the third step, the interfaces are classified into four categories:
1) self-service verification interface: supporting an access enterprise to self-develop an access program according to a Demo sample, self-uploading the access program, an interface and data verification to a test server through an API (application program interface), supporting HTTPS (hypertext transfer protocol security) plus JSON (Java Server connection) format for data transmission and supporting high-concurrency access until the interface verification is successful;
2) automatic data integrity verification: after the interface self-service verification is passed, self-service verification is carried out to determine whether the access data meets the corresponding specification, detailed description of verification failure is supported, and an access enterprise conveniently self-service adjusts the data according to the returned failure description and carries out verification again until the verification is successful;
3) automatic data association verification: after the data integrity verification is passed, further verification is carried out through the association relation among the data tables, the accessed data are ensured to meet the final requirement, and the supported verification items are as follows: (1) verifying the association of the user and the pipeline; (2) verifying the association between the user and the scatter label; (3) verifying the association of the running water and the financing; (4) verifying association between the running water and the scattered label; (5) verifying association between the scattered label and the running water;
4) self-service examination and approval: and after the access enterprise finishes the data verification work, automatically scoring according to the data verification result and the data quality submitted by the user, and automatically pushing the scoring result to the access enterprise.
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| CN102346884A (en) * | 2011-09-19 | 2012-02-08 | 北京信城通数码科技有限公司 | Automatic review system and method for trade subject qualification of internet drugs |
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