CN107895323A - Credit assessment method and device - Google Patents
Credit assessment method and device Download PDFInfo
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- CN107895323A CN107895323A CN201711298811.4A CN201711298811A CN107895323A CN 107895323 A CN107895323 A CN 107895323A CN 201711298811 A CN201711298811 A CN 201711298811A CN 107895323 A CN107895323 A CN 107895323A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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Abstract
The present invention proposes a kind of credit assessment method and device, wherein, method includes：The credit data for evaluating targeted customer's credit is gathered from multiclass platform；Wherein, the multiclass platform comprises at least payment platform, insurance business platform and reference platform；Obtain the credit appraisal coefficient per class platform；According to the credit data corresponding to every class platform and the credit appraisal coefficient, the credit value of the targeted customer is obtained；Credit grade division is carried out to the targeted customer according to the credit value, determines the target credit grade that the targeted customer is subordinate to.By this method, the credit grade of user can be determined from the credit data of different platform collection users, allow users to enjoy the service matched with credit grade, lift Consumer's Experience.By obtaining credit data from different platforms, the acquisition source of credit data is added, so as to solve in the prior art only from the single technical problem of the reference information acquiring pattern of credit investigation system acquisition user.
Description
Technical field
The present invention relates to credit services technical field, more particularly to a kind of credit assessment method and device.
Background technology
With the development of internet finance, insurance industry is to the attention degree of internet also more and more higher.Portion in insurance
Sub-service business, which needs user to provide credit data, to be enjoyed, such as, the debt condition in pre-paid function is built upon credit base
On plinth.
The mode of the existing credit data for obtaining user is that the reference information of individual is directly obtained by docking credit investigation system,
Acquisition modes are single, for the user in credit investigation system faithlessness data, can not obtain the reference information of user, cause this
Certain customers can not enjoy pre-paid function.
The content of the invention
It is contemplated that at least solves one of technical problem in correlation technique to a certain extent.
Therefore, first purpose of the present invention is to propose a kind of credit assessment method, used with being gathered from different platforms
The credit data at family determines the credit grade of user, allows users to enjoy the service matched with credit grade, lifting user
Experience.By obtaining credit data from different platforms, the acquisition source of credit data is added, so as to solve existing skill
Only from the single technical problem of the reference information acquiring pattern of credit investigation system acquisition user in art.
Second object of the present invention is to propose a kind of credit appraisal device.
Third object of the present invention is to propose a kind of computer equipment.
Fourth object of the present invention is to propose a kind of computer program product.
The 5th purpose of the present invention is to propose a kind of non-transitorycomputer readable storage medium.
For the above-mentioned purpose, first aspect present invention embodiment proposes a kind of credit assessment method, including：
The credit data for evaluating targeted customer's credit is gathered from multiclass platform；Wherein, the multiclass platform is at least
Including payment platform, insurance business platform and reference platform；
Obtain the credit appraisal coefficient per class platform；
According to the credit data corresponding to every class platform and the credit appraisal coefficient, the letter of the targeted customer is obtained
With value；
Credit grade division is carried out to the targeted customer according to the credit value, determines what the targeted customer was subordinate to
Target credit grade.
The credit assessment method of the embodiment of the present invention, by being gathered from multiclass platform for evaluating targeted customer's credit
Credit data, the information evaluation coefficient per class platform is obtained, according to credit data corresponding to every class platform and credit appraisal coefficient
The credit value of targeted customer is obtained, credit grade division is carried out to targeted customer according to credit value, determines that targeted customer is subordinate to
Target credit grade.The credit grade of user, Neng Gouzeng are determined by gathering the credit data of user from different platforms
Add the data volume for obtaining source and obtaining credit data of information data, it is ensured that can determine targeted customer's according to credit data
Credit grade, allow users to enjoy the service matched with credit grade, lift Consumer's Experience.By being obtained from different platforms
Credit data, the acquisition source of credit data is added, so as to solve only to obtain user from credit investigation system in the prior art
The single technical problem of reference information acquiring pattern.
For the above-mentioned purpose, second aspect of the present invention embodiment proposes a kind of credit appraisal device, including：
Acquisition module, for gathering the credit data for evaluating targeted customer's credit from multiclass platform；Wherein, it is described
Multiclass platform comprises at least payment platform, insurance business platform and reference platform；
Acquisition module, for obtaining the credit appraisal coefficient of every class platform；
Credit value acquisition module, for basis per the credit data corresponding to class platform and the credit appraisal coefficient,
Obtain the credit value of the targeted customer；
Level determination module, for carrying out credit grade division to the targeted customer according to the credit value, determine institute
State the target credit grade that targeted customer is subordinate to.
The credit appraisal device of the embodiment of the present invention, by being gathered from multiclass platform for evaluating targeted customer's credit
Credit data, the information evaluation coefficient per class platform is obtained, according to credit data corresponding to every class platform and credit appraisal coefficient
The credit value of targeted customer is obtained, credit grade division is carried out to targeted customer according to credit value, determines that targeted customer is subordinate to
Target credit grade.The credit grade of user, Neng Gouzeng are determined by gathering the credit data of user from different platforms
Add the data volume for obtaining source and obtaining credit data of information data, it is ensured that can determine targeted customer's according to credit data
Credit grade, allow users to enjoy the service matched with credit grade, lift Consumer's Experience.By being obtained from different platforms
Credit data, the acquisition source of credit data is added, so as to solve only to obtain user from credit investigation system in the prior art
The single technical problem of reference information acquiring pattern.
For the above-mentioned purpose, third aspect present invention embodiment proposes a kind of computer equipment, including：Including processor
And memory；Wherein, the processor by read the executable program code stored in the memory run with it is described
Program corresponding to executable program code, for realizing the credit assessment method as described in first aspect embodiment.
To achieve these goals, fourth aspect present invention embodiment proposes a kind of computer program product, when described
When instruction in computer program product is by computing device, the credit assessment method as described in first aspect embodiment is realized.
To achieve these goals, fifth aspect present invention embodiment proposes a kind of computer-readable storage of non-transitory
Medium, computer program is stored thereon with, the credit as described in first aspect embodiment is realized when the program is executed by processor
Evaluation method.
The additional aspect of the present invention and advantage will be set forth in part in the description, and will partly become from the following description
Obtain substantially, or recognized by the practice of the present invention.
Brief description of the drawings
Of the invention above-mentioned and/or additional aspect and advantage will become from the following description of the accompanying drawings of embodiments
Substantially and it is readily appreciated that, wherein：
The schematic flow sheet for the credit assessment method that Fig. 1 is provided by the embodiment of the present invention one；
The schematic flow sheet for the credit assessment method that Fig. 2 is provided by the embodiment of the present invention two；
The schematic flow sheet for the credit assessment method that Fig. 3 is provided by the embodiment of the present invention three；
The schematic flow sheet for the credit assessment method that Fig. 4 is provided by the embodiment of the present invention four；
Fig. 5 is provided the structural representation of credit appraisal device by the embodiment of the present invention one；
Fig. 6 is provided the structural representation of credit appraisal device by the embodiment of the present invention two；
Fig. 7 is provided the structural representation of credit appraisal device by the embodiment of the present invention three；
Fig. 8 is provided the structural representation of credit appraisal device by the embodiment of the present invention four；And
Fig. 9 is the structural representation for the computer equipment that one embodiment of the invention proposes.
Embodiment
Embodiments of the invention are described below in detail, the example of the embodiment is shown in the drawings, wherein from beginning to end
Same or similar label represents same or similar element or the element with same or like function.Below with reference to attached
The embodiment of figure description is exemplary, it is intended to for explaining the present invention, and is not considered as limiting the invention.
Below with reference to the accompanying drawings the credit assessment method and device of the embodiment of the present invention are described.
In order that pre-paid function in platform can reliability service, be usually provided with debt condition in pre-paid function.
To enable debt to recover, platform property loss is avoided, debt condition generally requires foundation on basis of credit, i.e. the letter of user
With meet certain grade can just enjoy corresponding to debt service.However, it is existing obtain user credit data mode be from
Credit investigation system obtains the reference information of user, and acquisition modes are single, for the user without reference information, can not get this
The credit data of class user, this kind of user is caused to enjoy pre-paid function.
In view of the above-mentioned problems, the embodiment of the present invention proposes a kind of credit assessment method, by being gathered from multiclass platform
Credit data determines the credit grade of user, by increasing capacitance it is possible to increase the data for obtaining source and obtaining credit data of information data
Amount, it is ensured that the credit grade of targeted customer can be determined according to credit data, allows users to enjoy what is matched with credit grade
Service.
The schematic flow sheet for the credit assessment method that Fig. 1 is provided by the embodiment of the present invention one.
As shown in figure 1, the credit assessment method comprises the following steps：
Step 101, the credit data for evaluating targeted customer's credit is gathered from multiclass platform；Wherein, multiclass platform
Including at least payment platform, insurance business platform and reference platform.
With the rise of e-payment, the Payment System that the internet payment such as Alipay, wechat platform is established is more and more completeer
It is kind, more credit informations, such as the sesame credit in Alipay, sesame are contained in the payment information in electronic payment platform
Credit goes back situation, essential information of user etc. according to flower the refund situation of Alipay user, by means of refund situation, borrowing for article
It is updated, the score value of sesame credit is higher, shows that the credit of user is better.
Therefore,, can also be from payment in addition to the credit data of targeted customer is obtained from reference platform in the present embodiment
The credit data of targeted customer is gathered in the electronic payment platforms such as treasured, wechat.Such as can by with electronic payment platform pair
Connect, collection targeted customer is used as credit data in the payment record of electronic payment platform, credit record, income record etc..
Step 102, the credit appraisal coefficient per class platform is obtained.
Wherein, credit appraisal coefficient can preset and store, and can be believed according to the transaction in every class platform of acquisition
Credit appraisal coefficient corresponding to the type setting of breath, and it is larger to be set with the higher Transaction Information of the credit degree of correlation of user
Credit appraisal coefficient, such as, the Transaction Information for influenceing the sesame credit in Alipay, can be it is relevant colored and by means of
Transaction Information sets larger credit appraisal coefficient, for article borrow the essential information data of Transaction Information also and user set compared with
Small credit appraisal coefficient.
In the present embodiment, when needing to calculate the credit grade of targeted customer, used acquiring target from all kinds of platforms
After the credit data at family, the credit appraisal coefficient of every class platform can be further obtained, the credit of every class platform of acquisition is commented
The credit appraisal coefficient of all types of Transaction Informations pre-set for the platform is included in valency coefficient.
Step 103, credit data and credit appraisal coefficient according to corresponding to every class platform, the credit of targeted customer is obtained
Value.
For example the product of credit data and credit appraisal coefficient corresponding to every class platform can be summed, by gained
As a result the credit value as targeted customer.
Step 104, credit grade division is carried out to targeted customer according to credit value, determines the target that targeted customer is subordinate to
Credit grade.
In the present embodiment, after the credit value for obtaining targeted customer, you can carry out letter to targeted customer according to credit value
With grade classification, the target credit grade that targeted customer is subordinate to is determined.
As a kind of example, it can pre-set and store the corresponding relation between different credit values and credit grade,
After the credit value of targeted customer is obtained, by inquiring about corresponding relation, it is determined that letter corresponding with the credit value of targeted customer
With grade, and the target credit grade being subordinate to as targeted customer.
As a kind of example, after the credit value of targeted customer is obtained, targeted customer can be determined according to formula (1)
The target credit grade being subordinate to.Formula (1) is as follows：
Wherein, basic credit value can be the credit value obtained for targeted customer from reference platform.
The credit assessment method of the present embodiment, by gathering the credit for evaluating targeted customer's credit from multiclass platform
Data, the information evaluation coefficient per class platform is obtained, obtained according to credit data corresponding to every class platform and credit appraisal coefficient
The credit value of targeted customer, credit grade division is carried out to targeted customer according to credit value, determines the mesh that targeted customer is subordinate to
Mark credit grade.The credit grade of user is determined by gathering the credit data of user from different platforms, by increasing capacitance it is possible to increase letter
Cease the data volume for obtaining source and obtaining credit data of data, it is ensured that the credit of targeted customer can be determined according to credit data
Grade, allow users to enjoy the service matched with credit grade, lift Consumer's Experience.By obtaining credit from different platforms
Data, the acquisition source of credit data is added, so as to solve only to obtain the sign of user from credit investigation system in the prior art
The single technical problem of letter information acquisition modes.
In order to clearly describe in previous embodiment to be gathered from multiclass platform for evaluating targeted customer's credit
The specific implementation process of credit data, the embodiment of the present invention propose another credit assessment method, and Fig. 2 is the embodiment of the present invention
The schematic flow sheet of two credit assessment methods provided.
As shown in Fig. 2 on the basis of embodiment as shown in Figure 1, step 101 may comprise steps of：
Step 201, for every class platform, authorization requests are sent to platform；Wherein, carry targeted customer's in authorization requests
Checking information.
In the present embodiment, the credit number of user can be obtained to fetching by the credit product service interface with all kinds of platforms
According to.The platform of pre-paid function is provided when user needs to use, or user is in various types of flat such as payment platform, insurance business platforms
When payment information is produced in platform, the checking information of user can be obtained, and using checking information generation authorization requests, to various types of flat
Platform sends authorization requests, so that for every class platform, after the mandate for receiving the platform, use can be increased by being obtained automatically from the platform
The credit data of the credit rating at family.
Step 202, the authorization messages of receiving platform feedback；Wherein, authorization messages are to be passed through by platform to checking information
Sent after checking.
For every a kind of platform, after the platform receives authorization requests, the checking information in authorization requests is tested
Card, and feed back authorization messages to the transmitting terminal of authorization requests after being verified.
Step 203, according to authorization messages, credit data is gathered from platform.
In the present embodiment, after the authorization messages for receiving platform feedback, according to authorization messages, it can be gathered from platform
Credit data.
Further, in order to protect privacy of user, user information safety is protected, in a kind of possible reality of the embodiment of the present invention
In existing mode, during gathering credit data from platform, the sensitive data in credit data can also be identified, to sensitive number
According to progress desensitization process, and the sensitive data after desensitization process is encrypted, so as to reduce user's sensitive data
Leakage probability.Wherein, sensitive data includes but is not limited to the personal information such as the identification card number, cell-phone number, bank's card number of user.
The credit assessment method of the present embodiment, by sending authorization requests to platform for every class platform, receiving platform is anti-
The authorization message of feedback, credit data is gathered from platform according to authorization message, can be in the case where user authorizes from various types of flat
The credit data of user is obtained in platform, increases the acquisition source of credit data, it is ensured that obtain the legitimacy of the credit data of user.
For some special crowds, such as old man, child, the people etc. for having dysnoesia, this groups of people may not
Electronic payment platform can be used, also without their reference information in reference platform, in order to guarantee to get this part
The credit data of people, so that this groups of people can also enjoy pre-paid function.So as in a kind of possible realization of the embodiment of the present invention
In mode, while the credit data of targeted customer is gathered from multiclass platform, it can also receive and be obtained manually by operating personnel
Take the first data for being used to evaluate credit of the targeted customer of phonetic entry.
Wherein, the first data can be the information of targeted customer, including the identification card number of targeted customer, academic situation
Etc. personal essential information, and/or the information such as wage situation, unit property；Or first data can also be the committee of targeted customer
Ask someone, the information of guardian, such as the personal essential information of old man children, Income situation etc.；Or first data can also be
The common information of the trustee of targeted customer and targeted customer, guardian.
If not collecting the credit data of targeted customer from multiclass platform, targeted customer is determined according to the first data
Credit value；If collecting the credit data of targeted customer from multiclass platform, can be gathered according only to from multiclass platform
Credit data determine the credit value of targeted customer, can also be according to the credit data of the targeted customer gathered from multiclass platform
The credit value of targeted customer is determined with the first data.
By receive by operating personnel manually or the targeted customer of phonetic entry be used for evaluate the first data of credit,
When not collecting credit data from multiclass platform, the credit value of targeted customer is determined according to the first data, it can be ensured that obtain
To the credit value of targeted customer, the platform of support pre-paid function is covered crowd as much as possible, increase generally fitting for platform
The property used.
In order to clearly describe to obtain the specific implementation process of the credit value of targeted customer, this hair in previous embodiment
Bright embodiment proposes another credit assessment method, the stream for the credit assessment method that Fig. 3 is provided by the embodiment of the present invention three
Journey schematic diagram.
As shown in figure 3, on the basis of embodiment as shown in Figure 1, step 103 may comprise steps of：
Step 301, will be per credit data and credit appraisal corresponding to class platform for payment platform and insurance business platform
Coefficient is weighted, and obtains the first numerical value.
Specifically, in the credit data and the credit appraisal coefficient of all kinds of platforms that targeted customer is obtained from all kinds of platforms
Afterwards, credit value corresponding to the type of service and type of service involved by targeted customer is obtained in the credit data that can be obtained,
Wherein, type of service such as can be loan, shopping, tourism etc..And then according to type of service, from the credit appraisal system of acquisition
The credit appraisal data matched with type of service are identified in number, by credit value corresponding to type of service and the credit appraisal that matches
Coefficient is multiplied, and obtains second value, and all second values are added to obtain the first numerical value.
Step 302, the basic credit value of targeted customer is obtained from reference platform.
In the present embodiment, basic credit value that can be using the credit data obtained from reference platform as targeted customer.
Step 303, the first numerical value is modified using basic credit value, obtains the credit value of targeted customer.
In the present embodiment, the first numerical value of acquisition can be added with basic credit value, using acquired results as mesh
Mark the credit value of user.
The credit assessment method of the present embodiment, by by credit data corresponding to payment platform and insurance business platform with letter
It is weighted to obtain the first data with evaluation coefficient, utilizes the basic credit value of the targeted customer obtained from reference platform
First numerical value is modified to obtain the credit value of targeted customer, it is possible to increase the accuracy of credit value.In the present embodiment, target
The calculating process of the credit value of user is carried out automatically in the calculating container of closing, anyone in calculating process or program
Data therein can not be obtained, user information safety can be ensured.
Obtain targeted customer credit value be in order that targeted customer can enjoy need credit support service, such as
In long-term care insurance systematic group, for the system at professional service end, there are a set of pre-paid scheme, Neng Gougen in payment system
Different premium-paid plans is provided for insured people according to the credit line of insured people, so that insured people can enjoy more services.
So as to, in a kind of possible implementation of the embodiment of the present invention, it is determined that the target credit grade that targeted customer is subordinate to it
Afterwards, the pre-paid amount of targeted customer can be further determined according to target credit grade so that targeted customer can enjoy it is pre-
Paid service.
The schematic flow sheet for the credit assessment method that Fig. 4 is provided by the embodiment of the present invention four.As shown in figure 4, in such as Fig. 1
On the basis of illustrated embodiment, it can also comprise the following steps after step 104：
Step 401, the target credit grade being subordinate to according to targeted customer, the pre-paid amount of targeted customer is determined.
It can be appreciated that target credit grade and pre-paid amount are proportional, target credit grade is higher, for user point
The pre-paid amount matched somebody with somebody is also higher.
Step 402, the delivery operation in real time to targeted customer is monitored.
The targeted customer of pre-paid amount, which is assigned, to be consumed on the basis of certain amount that prestores, when prestoring
Amount be finished after automatic start debt program, begin to use pre-paid amount, or certain amount that can not also prestore
Directly consumed.During user enjoys prepaid services, delivery operation that can be in real time to targeted customer is supervised
Control.
Step 403, after the delivery operation of targeted customer is monitored, the extraction payment amount from delivery operation.
Step 404, according to amount is paid, the current progressive payment amount of targeted customer is updated.
In the present embodiment, when monitoring the delivery operation of targeted customer, amount paid can be extracted from delivery operation
Degree, and the progressive payment amount current according to amount renewal targeted customer is paid.Targeted customer often performs a delivery operation, i.e.,
Progressive payment amount is updated using the payment amount in delivery operation, obtains current progressive payment amount, until tired
Meter pays amount and reaches pre-paid amount.
Step 405, if progressive payment amount exceeds pre-paid amount, refusal performs delivery operation.
Step 406, if progressive payment amount performs delivery operation without departing from pre-paid amount.
In the present embodiment, the current progressive payment amount of a targeted customer is often updated, i.e., by progressive payment amount and mesh
The pre-paid amount of mark user is compared, if progressive payment amount exceeds pre-paid amount, refusal performs current monitor
The delivery operation arrived；If progressive payment amount performs current delivery operation without departing from pre-paid amount.
The credit assessment method of the present embodiment, by determining the pre-paid amount of targeted customer according to target credit grade,
The delivery operation of real-time monitoring objective user, the extraction payment amount from delivery operation, and current according to payment amount renewal
Progressive payment amount, when progressive payment amount exceeds pre-paid amount refusal perform delivery operation, when progressive payment amount not
Delivery operation is performed during beyond pre-paid amount, can provide the user prepaid services in pre-paid amount, perfect clothes
The Payment System for the mechanism that is engaged in, improves Consumer's Experience.
In order to realize above-described embodiment, the present invention also proposes a kind of credit appraisal device.
Fig. 5 is provided the structural representation of credit appraisal device by the embodiment of the present invention one.
As shown in figure 5, the credit appraisal device 50 includes：Acquisition module 510, acquisition module 520, credit value acquisition module
530, and level determination module 540.Wherein,
Acquisition module 510, for gathering the credit data for evaluating targeted customer's credit from multiclass platform；Wherein,
Multiclass platform comprises at least payment platform, insurance business platform and reference platform.
Acquisition module 520, for obtaining the credit appraisal coefficient of every class platform.
Credit value acquisition module 530, for the credit data according to corresponding to per class platform and credit appraisal coefficient, obtain mesh
Mark the credit value of user.
Level determination module 540, for carrying out credit grade division to targeted customer according to credit value, determine targeted customer
The target credit grade being subordinate to.
Further, in a kind of possible implementation of the embodiment of the present invention, as shown in fig. 6, implementing as shown in Figure 5
On the basis of example, acquisition module 510 can include：
Transmitting element 511, for for every class platform, authorization requests to be sent to platform；Wherein, mesh is carried in authorization requests
Mark the checking information of user.
Receiving unit 512, the authorization messages for receiving platform feedback；Wherein, authorization messages are to be passed through by platform to testing
Sent after the checking of card information.
Collecting unit 513, for according to authorization messages, credit data to be gathered from platform.
Specifically, during collecting unit 513 gathers credit data from platform, can also identify in credit data
Sensitive data, desensitization process is carried out to sensitive data, the sensitive data after desensitization process is encrypted, to ensure target
User information safety.
For old man, child, have the special crowd such as mentally deranged for, they may not be put down using e-payment
Platform, there is no reference information in reference platform yet, it is a kind of possible in the embodiment of the present invention in order to obtain the credit value of this groups of people
Implementation in, acquisition module 510 from multiclass platform gather credit data while, can also receive by operating personnel
The first data for being used to evaluate credit of manual or phonetic entry targeted customer, if not collecting letter from multiclass platform
With data, then according to the first data, the credit value of targeted customer is determined.
In a kind of possible implementation of the embodiment of the present invention, as shown in fig. 7, on the basis of embodiment as shown in Figure 5
On, credit value acquisition module 530 can include：
Computing unit 531, will be per credit number corresponding to class platform for for payment platform and the insurance business platform
It is weighted according to the credit appraisal coefficient, obtains the first numerical value.
Specifically, computing unit 531 obtains type of service and type of service involved by targeted customer from credit data
Corresponding credit value, from credit rating coefficient, identify the credit appraisal coefficient matched with type of service；Type of service is corresponding
Credit value with match credit appraisal coefficient be multiplied, obtain second value, and all second values are added to obtain
First numerical value.
Acquiring unit 532, for obtaining the basic credit value of targeted customer from reference platform.
Credit value determining unit 533, for being modified using basic credit value to the first numerical value, obtain targeted customer's
Credit value.
In a kind of possible implementation of the embodiment of the present invention, as shown in figure 8, on the basis of embodiment as shown in Figure 5
On, the credit appraisal device 50 can also include：
Pre-paid amount determining module 550, for the target credit grade being subordinate to according to targeted customer, determine that target is used
The pre-paid amount at family.
Monitoring module 560, it is monitored for the delivery operation in real time to targeted customer.
Processing module 570, for after the delivery operation of targeted customer is monitored, extracting and paying from delivery operation
Amount；According to amount is paid, the current progressive payment amount of targeted customer is updated；If progressive payment amount exceeds pre-paid volume
Degree, then refusal execution institute delivery operation；If progressive payment amount performs delivery operation without departing from pre-paid amount.
It should be noted that the foregoing explanation to credit assessment method embodiment is also applied for the credit of the embodiment
Evaluating apparatus, its realization principle is similar, and here is omitted.
The credit appraisal device of the present embodiment, by gathering the credit for evaluating targeted customer's credit from multiclass platform
Data, the information evaluation coefficient per class platform is obtained, obtained according to credit data corresponding to every class platform and credit appraisal coefficient
The credit value of targeted customer, credit grade division is carried out to targeted customer according to credit value, determines the mesh that targeted customer is subordinate to
Mark credit grade.The credit grade of user is determined by gathering the credit data of user from different platforms, by increasing capacitance it is possible to increase letter
Cease the data volume for obtaining source and obtaining credit data of data, it is ensured that the credit of targeted customer can be determined according to credit data
Grade, allow users to enjoy the service matched with credit grade, lift Consumer's Experience.By obtaining credit from different platforms
Data, the acquisition source of credit data is added, so as to solve only to obtain the sign of user from credit investigation system in the prior art
The single technical problem of letter information acquisition modes.
In order to realize above-described embodiment, the present invention also proposes a kind of computer equipment, and Fig. 9 proposes for one embodiment of the invention
Computer equipment structural representation.
As shown in figure 9, the computer equipment 90 includes：Processor 901 and memory 902.Wherein, processor 901 passes through
The executable program code that stores is read in memory 902 to run program corresponding with executable program code, for reality
Now credit assessment method as in the foregoing embodiment.
In order to realize above-described embodiment, the present invention also proposes a kind of computer program product, when the computer program produces
When instruction in product is by computing device, credit assessment method as in the foregoing embodiment is realized.
In order to realize above-described embodiment, the present invention also proposes a kind of non-transitorycomputer readable storage medium, deposited thereon
Computer program is contained, credit assessment method as in the foregoing embodiment is realized when the program is executed by processor.
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or the spy for combining the embodiment or example description
Point is contained at least one embodiment or example of the present invention.In this manual, to the schematic representation of above-mentioned term not
Identical embodiment or example must be directed to.Moreover, specific features, structure, material or the feature of description can be with office
Combined in an appropriate manner in one or more embodiments or example.In addition, in the case of not conflicting, the skill of this area
Art personnel can be tied the different embodiments or example and the feature of different embodiments or example described in this specification
Close and combine.
In addition, term " first ", " second " are only used for describing purpose, and it is not intended that instruction or hint relative importance
Or the implicit quantity for indicating indicated technical characteristic.Thus, define " first ", the feature of " second " can be expressed or
Implicitly include at least one this feature.In the description of the invention, " multiple " are meant that at least two, such as two, three
It is individual etc., unless otherwise specifically defined.
Any process or method described otherwise above description in flow chart or herein is construed as, and represents to include
Module, fragment or the portion of the code of the executable instruction of one or more the step of being used to realize custom logic function or process
Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discuss suitable
Sequence, including according to involved function by it is basic simultaneously in the way of or in the opposite order, carry out perform function, this should be of the invention
Embodiment person of ordinary skill in the field understood.
Expression or logic and/or step described otherwise above herein in flow charts, for example, being considered use
In the order list for the executable instruction for realizing logic function, may be embodied in any computer-readable medium, for
Instruction execution system, device or equipment (such as computer based system including the system of processor or other can be held from instruction
The system of row system, device or equipment instruction fetch and execute instruction) use, or combine these instruction execution systems, device or set
It is standby and use.For the purpose of this specification, " computer-readable medium " can any can be included, store, communicate, propagate or pass
Defeated program is for instruction execution system, device or equipment or the dress used with reference to these instruction execution systems, device or equipment
Put.The more specifically example (non-exhaustive list) of computer-readable medium includes following：Electricity with one or more wiring
Connecting portion (electronic installation), portable computer diskette box (magnetic device), random access memory (RAM), read-only storage
(ROM), erasable edit read-only storage (EPROM or flash memory), fiber device, and portable optic disk is read-only deposits
Reservoir (CDROM).In addition, computer-readable medium, which can even is that, to print the paper of described program thereon or other are suitable
Medium, because can then enter edlin, interpretation or if necessary with it for example by carrying out optical scanner to paper or other media
His suitable method is handled electronically to obtain described program, is then stored in computer storage.
It should be appreciated that each several part of the present invention can be realized with hardware, software, firmware or combinations thereof.Above-mentioned
In embodiment, software that multiple steps or method can be performed in memory and by suitable instruction execution system with storage
Or firmware is realized.Such as, if realized with hardware with another embodiment, following skill well known in the art can be used
Any one of art or their combination are realized：With the logic gates for realizing logic function to data-signal from
Logic circuit is dissipated, the application specific integrated circuit with suitable combinational logic gate circuit, programmable gate array (PGA), scene can compile
Journey gate array (FPGA) etc..
Those skilled in the art are appreciated that to realize all or part of step that above-described embodiment method carries
Suddenly it is that by program the hardware of correlation can be instructed to complete, described program can be stored in a kind of computer-readable storage medium
In matter, the program upon execution, including one or a combination set of the step of embodiment of the method.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing module, can also
That unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated mould
Block can both be realized in the form of hardware, can also be realized in the form of software function module.The integrated module is such as
Fruit is realized in the form of software function module and as independent production marketing or in use, can also be stored in a computer
In read/write memory medium.
Storage medium mentioned above can be read-only storage, disk or CD etc..Although have been shown and retouch above
Embodiments of the invention are stated, it is to be understood that above-described embodiment is exemplary, it is impossible to be interpreted as the limit to the present invention
System, one of ordinary skill in the art can be changed to above-described embodiment, change, replace and become within the scope of the invention
Type.
Claims (11)
- A kind of 1. credit assessment method, it is characterised in that including：The credit data for evaluating targeted customer's credit is gathered from multiclass platform；Wherein, the multiclass platform comprises at least Payment platform, insurance business platform and reference platform；Obtain the credit appraisal coefficient per class platform；According to the credit data corresponding to every class platform and the credit appraisal coefficient, the credit of the targeted customer is obtained Value；Credit grade division is carried out to the targeted customer according to the credit value, determines the target that the targeted customer is subordinate to Credit grade.
- 2. according to the method for claim 1, it is characterised in that the target credit for determining the targeted customer and being subordinate to After grade, in addition to：The target credit grade being subordinate to according to the targeted customer, determine the pre-paid amount of the targeted customer.
- 3. according to the method for claim 2, it is characterised in that the pre-paid amount for determining the targeted customer it Afterwards, in addition to：The delivery operation to the targeted customer is monitored in real time；After the delivery operation of the targeted customer is monitored, the payment amount is extracted from the delivery operation；According to the payment amount, the current progressive payment amount of the targeted customer is updated；If the progressive payment amount exceeds the pre-paid amount, refusal performs the delivery operation；If the progressive payment amount performs the delivery operation without departing from the pre-paid amount.
- 4. according to the method for claim 1, it is characterised in that basis credit data corresponding to per class platform with The credit appraisal coefficient, the credit value of the targeted customer is obtained, including：, will be per the credit data corresponding to class platform and the credit for the payment platform and the insurance business platform Evaluation coefficient is weighted, and obtains the first numerical value；The basic credit value of the targeted customer is obtained from the reference platform；First numerical value is modified using the basic credit value, obtains the credit value of the targeted customer.
- 5. according to the method for claim 4, it is characterised in that it is described will be per the credit data and institute corresponding to class platform State credit appraisal coefficient to be weighted, obtain the first numerical value, including：From the credit data, credit corresponding to type of service and the type of service involved by the targeted customer is obtained Value；From the credit rating coefficient, the credit appraisal coefficient matched with the type of service is identified；Credit value corresponding to the type of service is multiplied with the credit appraisal coefficient of the matching, obtains second value, And all second values are added to obtain first numerical value.
- 6. according to the method for claim 1, it is characterised in that gathered in the platform from multiclass for evaluating targeted customer The credit data of credit, in addition to：For every class platform, authorization requests are sent to the platform；Wherein, carry the targeted customer's in the authorization requests Checking information；Receive the authorization messages of the platform feedback；Wherein, the authorization messages are by believing the checking by the platform Sent after the checking of breath；According to the authorization messages, the credit data is gathered from the platform.
- 7. according to the method for claim 6, it is characterised in that the mistake that the credit data is gathered from the platform Cheng Zhong, in addition to：The sensitive data in the credit data is identified, desensitization process is carried out to the sensitive data；The sensitive data after desensitization process is encrypted.
- 8. according to the method for claim 1, it is characterised in that also include：While the credit data is gathered from multiclass platform, receive as operating personnel manually or described in phonetic entry The first data for being used to evaluate credit of targeted customer；If not collecting the credit data from multiclass platform, according to first data, the targeted customer is determined The credit value.
- A kind of 9. credit appraisal device, it is characterised in that including：Acquisition module, for gathering the credit data for evaluating targeted customer's credit from multiclass platform；Wherein, the multiclass Platform comprises at least payment platform, insurance business platform and reference platform；Acquisition module, for obtaining the credit appraisal coefficient of every class platform；Credit value acquisition module, for the credit data according to corresponding to per class platform and the credit appraisal coefficient, obtain The credit value of the targeted customer；Level determination module, for carrying out credit grade division to the targeted customer according to the credit value, determine the mesh The target credit grade that mark user is subordinate to.
- 10. a kind of computer equipment, it is characterised in that including processor and memory；Wherein, the processor can perform by reading the executable program code stored in the memory to run with described Program corresponding to program code, for realizing the credit assessment method as any one of claim 1-8.
- 11. a kind of non-transitorycomputer readable storage medium, is stored thereon with computer program, it is characterised in that the program The credit assessment method as any one of claim 1-8 is realized when being executed by processor.
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|---|---|---|---|
| CN201711298811.4A CN107895323A (en) | 2017-12-08 | 2017-12-08 | Credit assessment method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711298811.4A CN107895323A (en) | 2017-12-08 | 2017-12-08 | Credit assessment method and device |
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| CN107895323A true CN107895323A (en) | 2018-04-10 |
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| CN201711298811.4A Pending CN107895323A (en) | 2017-12-08 | 2017-12-08 | Credit assessment method and device |
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| CN (1) | CN107895323A (en) |
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| CN108846743A (en) * | 2018-06-12 | 2018-11-20 | 北京京东金融科技控股有限公司 | Method and apparatus for generating information |
| CN109242669A (en) * | 2018-08-20 | 2019-01-18 | 新疆玖富万卡信息技术有限公司 | A kind of credit method, user terminal and server based on trip track |
| CN109447783A (en) * | 2018-09-21 | 2019-03-08 | 深圳市买买提信息科技有限公司 | Credit method, apparatus, terminal device and storage medium |
| CN110288457A (en) * | 2019-04-09 | 2019-09-27 | 昆山古鳌电子机械有限公司 | A kind of credit assessment method |
| CN110689422A (en) * | 2018-07-05 | 2020-01-14 | 北京嘀嘀无限科技发展有限公司 | Financial service management method and device |
| CN110992032A (en) * | 2019-12-04 | 2020-04-10 | 支付宝(杭州)信息技术有限公司 | Method and device for evaluating credible users by combining multiple parties |
| CN111598681A (en) * | 2020-04-30 | 2020-08-28 | 深圳前海星际同辉科技有限公司 | Credit evaluation method, credit evaluation system and readable storage medium |
| CN112837120A (en) * | 2021-02-01 | 2021-05-25 | 支付宝(杭州)信息技术有限公司 | Credit-based service evaluation method and device |
| CN113269422A (en) * | 2021-05-15 | 2021-08-17 | 中证鹏元资信评估股份有限公司 | Credit rating system with information comparison function |
| CN114021195A (en) * | 2021-11-15 | 2022-02-08 | 国网区块链科技(北京)有限公司 | Credit value-based data sharing authority control method and device |
| CN117315802A (en) * | 2023-11-29 | 2023-12-29 | 山东高速股份有限公司 | Highway fee payment method, device and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108846743A (en) * | 2018-06-12 | 2018-11-20 | 北京京东金融科技控股有限公司 | Method and apparatus for generating information |
| CN110689422A (en) * | 2018-07-05 | 2020-01-14 | 北京嘀嘀无限科技发展有限公司 | Financial service management method and device |
| CN109242669A (en) * | 2018-08-20 | 2019-01-18 | 新疆玖富万卡信息技术有限公司 | A kind of credit method, user terminal and server based on trip track |
| CN109447783A (en) * | 2018-09-21 | 2019-03-08 | 深圳市买买提信息科技有限公司 | Credit method, apparatus, terminal device and storage medium |
| CN110288457A (en) * | 2019-04-09 | 2019-09-27 | 昆山古鳌电子机械有限公司 | A kind of credit assessment method |
| CN110992032A (en) * | 2019-12-04 | 2020-04-10 | 支付宝(杭州)信息技术有限公司 | Method and device for evaluating credible users by combining multiple parties |
| CN111598681A (en) * | 2020-04-30 | 2020-08-28 | 深圳前海星际同辉科技有限公司 | Credit evaluation method, credit evaluation system and readable storage medium |
| CN112837120A (en) * | 2021-02-01 | 2021-05-25 | 支付宝(杭州)信息技术有限公司 | Credit-based service evaluation method and device |
| CN112837120B (en) * | 2021-02-01 | 2023-06-23 | 支付宝(杭州)信息技术有限公司 | Credit-based service evaluation method and device |
| CN113269422A (en) * | 2021-05-15 | 2021-08-17 | 中证鹏元资信评估股份有限公司 | Credit rating system with information comparison function |
| CN114021195A (en) * | 2021-11-15 | 2022-02-08 | 国网区块链科技(北京)有限公司 | Credit value-based data sharing authority control method and device |
| CN117315802A (en) * | 2023-11-29 | 2023-12-29 | 山东高速股份有限公司 | Highway fee payment method, device and storage medium |
| CN117315802B (en) * | 2023-11-29 | 2024-03-12 | 山东高速股份有限公司 | Highway fee payment method, device and storage medium |
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Application publication date: 20180410 |