CN108241732B - Electronic device, information processing method, and storage medium - Google Patents
Electronic device, information processing method, and storage medium Download PDFInfo
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- CN108241732B CN108241732B CN201710993396.8A CN201710993396A CN108241732B CN 108241732 B CN108241732 B CN 108241732B CN 201710993396 A CN201710993396 A CN 201710993396A CN 108241732 B CN108241732 B CN 108241732B
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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
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/25—Integrating or interfacing systems involving database management systems
- G06F16/252—Integrating or interfacing systems involving database management systems between a Database Management System and a front-end application
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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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention relates to an electronic device, an information processing method and a storage medium, wherein the method comprises the following steps: receiving user information captured by each subsystem through any pre-embedded SDK, wherein the user information comprises basic information, access information and transaction records; performing relevance analysis on the captured user information based on the basic information, and taking all user information related to the same user as complete information of the user; and grading the information integrity and/or grading the financial business of the user based on the complete information, so that the information of each subsystem can be shared. The invention can perform unified management and control on the information of the user in a differentiated way, thereby being beneficial to the effective development of various financial services.
Description
Technical Field
The present invention relates to the field of financial technologies, and in particular, to an electronic device, an information processing method, and a storage medium.
Background
Currently, in the field of financial technology, a user needs to register and log in a system of each financial sub-company, and information of the user in the system of each sub-company is different due to different services, so that the information of each user is dispersed in the system of each sub-company. Although some enterprises have member systems, such as a safe one-account member system, the member system only stores core data, such as real name five items of information, and other data of users, such as receiving addresses, are dispersed in App systems of various financial subsidiaries, so that the information of the users cannot be uniformly managed and controlled in a differentiated manner, which is not beneficial to the effective development of various financial services.
Disclosure of Invention
The invention aims to provide an electronic device, an information processing method and a storage medium, aiming at carrying out unified management and control on user information in a differentiated manner so as to be beneficial to the effective development of various financial services.
In order to achieve the above object, the present invention provides an electronic device, which includes a memory and a processor connected to the memory, wherein the memory stores a processing system capable of running on the processor, and when executed by the processor, the processing system implements the following steps:
receiving user information captured by each subsystem through any pre-embedded SDK, wherein the user information comprises basic information, access information and transaction records;
correlation step, based on the basic information, performing correlation analysis on the captured user information, and taking all user information related to the same user as the complete information of the user;
and a grading step, namely grading the information integrity and/or grading the financial service of the user based on the complete information, so that the information of each subsystem can be shared.
Preferably, the processing system, when executed by the processor, further comprises:
when a user logs in the subsystem, if the rating of the information integrity of the user is higher than a preset level, the user logs in directly, and if the rating of the information integrity of the user is not higher than the preset level, login supplementary processing is carried out, so that the user logs in after the login supplementary processing is finished.
Preferably, the types of ratings of the financial transaction include a banking rating, an insurance rating and a securities rating, and the processing system, when executed by the processor, further comprises:
when a financial service processing request carrying a user identifier of a subsystem or a third party is received, acquiring a financial service type corresponding to the financial service processing request and acquiring a rating of a user of the user identifier corresponding to the financial service type;
and sending the obtained rating of the user to the subsystem or a third party for financial business processing.
Preferably, the processing system, when executed by the processor, further comprises:
when a pushing request based on a service type of a subsystem or a third party is received, acquiring partial user information corresponding to the service type from complete information of a user, and analyzing a pushing demand type of the pushing request;
if the pushing requirement type is a non-result pushing type, encrypting part of the acquired user information and pushing the encrypted user information to the subsystem or a third party;
and if the pushing requirement type is a result pushing type, analyzing the acquired part of the user information to obtain result information, and pushing the result information to the subsystem or a third party.
In order to achieve the above object, the present invention further provides an information processing method, including:
s1, receiving user information captured by each subsystem through any pre-embedded SDK, wherein the user information comprises basic information, access information and transaction records;
s2, analyzing the relevance of the captured user information based on the basic information, and taking all user information related to the same user as the complete information of the user;
and S3, rating the information integrity and/or financial service of the user based on the complete information, and sharing the information of each subsystem.
Preferably, after the step S3, the method further includes:
when a user logs in the subsystem, if the rating of the information integrity of the user is higher than a preset level, the user logs in directly, and if the rating of the information integrity of the user is not higher than the preset level, login supplementary processing is carried out, so that the user logs in after the login supplementary processing is finished.
Preferably, the types of the rating of the financial transaction include a banking rating, an insurance rating and a securities rating, and after the step S3, the method further includes:
when a financial service processing request carrying a user identifier of a subsystem or a third party is received, acquiring a financial service type corresponding to the financial service processing request and acquiring a rating of a user of the user identifier corresponding to the financial service type;
and sending the obtained rating of the user to the subsystem or a third party for financial business processing.
Preferably, after the step S2, the method further includes:
when a pushing request based on a service type of a subsystem or a third party is received, acquiring partial user information corresponding to the service type from complete information of a user, and analyzing a pushing demand type of the pushing request;
if the pushing requirement type is a non-result pushing type, encrypting part of the acquired user information and pushing the encrypted user information to the subsystem or a third party;
and if the pushing requirement type is a result pushing type, analyzing the acquired part of the user information to obtain result information, and pushing the result information to the subsystem or a third party.
Preferably, after the step S2, the method further includes: and performing integration processing operation on the complete information of each user, wherein the integration processing operation comprises combination of repeated information, labeling of unreliable information and to-be-supplemented processing of missing information.
The invention also provides a computer-readable storage medium having stored thereon a processing system, which when executed by a processor implements the steps of the method of information processing described above.
The invention has the beneficial effects that: the invention receives the user information captured by each subsystem, performs relevance analysis on the captured user information, uses all user information associated with the same user as the complete information of the user, and performs information integrity rating and/or financial service rating on the user based on the complete information for sharing the information of each subsystem.
Drawings
FIG. 1 is a schematic diagram of an alternative application environment according to various embodiments of the present invention;
FIG. 2 is a flowchart illustrating an embodiment of a method for processing information according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the description relating to "first", "second", etc. in the present invention is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.
Fig. 1 is a schematic diagram of an application environment of a method for processing information according to a preferred embodiment of the present invention. The application environment schematic diagram includes an electronic device 1 and a terminal device 2. The electronic apparatus 1 may perform data interaction with the terminal device 2 through a suitable technology such as a network, a near field communication technology, and the like.
The terminal device 2 includes, but is not limited to, any electronic product capable of performing man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch panel, or a voice control device, for example, a device such as a Personal computer, a tablet computer, a smart phone, a Personal Digital Assistant (PDA), or a fixed terminal such as a Digital TV, a desktop computer, a server, or the like. The terminal device 2 may have one or more installed subsystems that provide business services for the user to log in and handle the business.
The electronic apparatus 1 is a device capable of automatically performing numerical calculation and/or information processing in accordance with a command set in advance or stored. The electronic device 1 may be a computer, or may be a single network server, a server group composed of a plurality of network servers, or a cloud composed of a large number of hosts or network servers based on cloud computing, where cloud computing is one of distributed computing and is a super virtual computer composed of a group of loosely coupled computers.
In the present embodiment, the electronic device 1 may include, but is not limited to, a memory 11, a processor 12, and a network interface 13, which are communicatively connected to each other through a system bus, wherein the memory 11 stores a processing system operable on the processor 12. It is noted that fig. 1 only shows the electronic device 1 with components 11-13, but it is to be understood that not all shown components are required to be implemented, and that more or less components may be implemented instead.
The storage 11 includes a memory and at least one type of readable storage medium. The memory provides cache for the operation of the electronic device 1; the readable storage medium may be a non-volatile storage medium such as flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the readable storage medium may be an internal storage unit of the electronic apparatus 1, such as a hard disk of the electronic apparatus 1; in other embodiments, the non-volatile storage medium may also be an external storage device of the electronic apparatus 1, such as a plug-in hard disk provided on the electronic apparatus 1, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. In this embodiment, the readable storage medium of the memory 11 is generally used for storing an operating system and various application software installed in the electronic device 1, such as a program code of a processing system in an embodiment of the present invention. Further, the memory 11 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 12 is generally configured to control the overall operation of the electronic apparatus 1, such as performing control and processing related to data interaction or communication with the terminal device 2. In this embodiment, the processor 12 is configured to run the program code stored in the memory 11 or process data, for example, run a processing system.
The network interface 13 may comprise a wireless network interface or a wired network interface, and the network interface 13 is generally used for establishing a communication connection between the electronic apparatus 1 and other electronic devices. In this embodiment, the network interface 13 is mainly used to connect the electronic apparatus 1 with one or more terminal devices 2, and establish a data transmission channel and a communication connection between the electronic apparatus 1 and the one or more terminal devices 2.
The processing system is stored in the memory 11 and includes at least one computer readable instruction stored in the memory 11, which is executable by the processor 12 to implement the method of the embodiments of the present application; and the at least one computer readable instruction may be divided into different logic blocks depending on the functions implemented by the respective portions.
In one embodiment, the processing system described above, when executed by the processor 12, performs the following steps:
receiving user information captured by each subsystem through any pre-embedded SDK, wherein the user information comprises basic information and transaction records;
in this embodiment, any gate SDK is installed or embedded in each sub-company or each sub-system of the related party, after the user registration, the user is authorized to log in for the user to handle the business, the user information is captured through the any gate SDK, and then the captured user information is sent to the electronic device, and the electronic device receives the user information captured in each sub-system.
The basic information includes user name, certificate number, contact address, native place and address, the access information includes registration information (e.g. registration time, user name, etc.), update information (e.g. update time), login information (e.g. login time, login place, etc.), and the transaction records include insurance orders, car insurance orders, loan records, etc.
Correlation step, based on the basic information, performing correlation analysis on the captured user information, and taking all user information related to the same user as the complete information of the user;
in this embodiment, when performing relevance analysis on the captured user information based on the basic information, users with the same or substantially the same basic information (considering that some information may change, for example, a contact way or an address may change) may be correlated to the same user, and preferably, users with the same name and certificate number may be correlated to the same user, or users with the same name, certificate number, and contact way may be correlated to the same user, and all user information of the user may be used as complete information.
For example, after a user A registers in a first subsystem, the user A logs in the subsystem to transact car insurance business, the first subsystem generates and records a corresponding car insurance order, and the first subsystem captures registration information, login information and the car insurance order of the user A and then sends the registration information, the login information and the car insurance order to an electronic device; after a user A registers in a second subsystem of the same company, the user A logs in the second subsystem to transact loan business, the second subsystem generates and records a corresponding loan record, and the second subsystem captures the registration information, the login information and the loan record of the user A and then sends the information to the electronic device. When the electronic device performs relevance analysis on user information, the registration information, the login information and the car insurance order of one user captured by the first subsystem and the registration information, the login information and the loan record of the other user captured by the second subsystem are obtained through analysis, the basic information of the users is the same, the two users are related to form the same user, and the user information such as the registration information, the login information, the car insurance order and the loan record of the user is used as the complete information of the user.
In a preferred embodiment, in order to make the user information complete, concise and uniform, the complete information of each user is further integrated, and the integration processing operation includes merging of repetitive information, labeling of unreliable information, and to-be-supplemented processing of missing information.
And a grading step, namely grading the information integrity and/or grading the financial service of the user based on the complete information, so that the information of each subsystem can be shared.
In this embodiment, the rating rule for rating the information integrity of the user based on the integrity information may be: users with basically complete basic information and basically complete registration information in the access information are rated as low-level users; the user with complete basic information, complete registration information in the access information, update information and/or login information and a transaction record is evaluated as a medium-grade user; the users with complete basic information, complete registration information in the access information, update information and/or login information and two or more transaction records are rated as high-grade users. Of course, the present invention is only illustrative, and is not limited to the rating rule of rating the integrity of the information, and other embodiments can be flexibly adjusted.
In one embodiment, the banking business rating can be performed according to the transaction frequency and the business coverage of the banking business, and the higher the transaction frequency and the wider the business coverage, the higher the banking business rating corresponding to the user; carrying out insurance business rating according to the transaction frequency degree and the business coverage of the insurance business, wherein the insurance business rating corresponding to the user with higher transaction frequency degree and wider business coverage is higher; and carrying out security service rating according to the transaction frequency degree and the service coverage of the security service, wherein the security service rating corresponding to the user with higher transaction frequency degree and wider service coverage is higher.
In other embodiments, the transaction frequency, the transaction coverage and the transaction time may be combined to perform banking rating, insurance rating and security rating respectively, for example, the banking rating corresponding to the user with higher transaction frequency and wider transaction coverage in the near future (e.g., the last half year or one year) is higher, and so on.
And after finishing the rating of the information integrity of the user and/or the rating of the financial business, storing the information so as to uniformly store and manage the user information. The embodiment strengthens the information content of the user, performs specialized hierarchical management on the user, equivalently constructs an information sharing pool, and meets the service scene requirements of different subsidiaries.
Compared with the prior art, the embodiment receives the user information captured by each subsystem, performs relevance analysis on the captured user information, takes all user information associated with the same user as complete information of the user, performs information integrity rating and/or financial service rating on the user based on the complete information, and provides information sharing for each subsystem.
In a preferred embodiment, based on the embodiment of fig. 1, when executed by the processor 12, the processing system further includes:
when a user logs in the subsystem, if the rating of the information integrity of the user is higher than a preset level, the user logs in directly, and if the rating of the information integrity of the user is not higher than the preset level, login supplementary processing is carried out, so that the user logs in after the login supplementary processing is finished.
In this embodiment, after the rating of the information integrity of the user is performed, when the user logs in next time, if the rating of the information integrity of the user is higher than a preset level, for example, higher than a low level, that is, the user is a medium-level user or a high-level user, in order to make the user log in more conveniently and quickly, the user can log in directly; if the information integrity rating of the user is not higher than the preset level, for example, the user is a low-level user, the user is required to perform login supplementary processing, and the login supplementary processing includes supplementing part of basic information and/or registration information and the like which are missing by the user, so as to complete the user information.
When the rating of the information integrity of the user and the preset rating are analyzed, preferably, the information such as the name and the certificate number input by the user is matched with a large amount of pre-stored user information to obtain the user information matched with the user, then the rating of the information integrity of the user corresponding to the user information is obtained, and the rating is compared with the preset rating.
In a preferred embodiment, based on the embodiment of fig. 1, when executed by the processor 12, the processing system further includes:
when a financial service processing request carrying a user identifier of a subsystem or a third party is received, acquiring a financial service type corresponding to the financial service processing request and acquiring a rating of a user of the user identifier corresponding to the financial service type; and sending the obtained rating of the user to the subsystem or a third party for financial business processing.
In this embodiment, the types of the rating of the financial transaction include a banking rating, an insurance rating, and a securities rating. The third party can access the processing system after authorization to obtain the corresponding user's financial service rating. After the user's financial business rating is performed, if the subsystem or the third party sends a financial business processing request of a certain or some users, the corresponding rating of the user in the corresponding financial business type can be obtained for the subsystem or the third party to perform financial business processing, for example, when the user performs loan, the banking business rating corresponding to the user can be obtained, and then the wind control identification processing, credit investigation processing, financial character analysis and the like are performed, which is beneficial to the effective development of various financial businesses.
In a preferred embodiment, based on the embodiment of fig. 1, when executed by the processor 12, the processing system further includes:
when a pushing request based on a service type of a subsystem or a third party is received, acquiring partial user information corresponding to the service type from complete information of a user, and analyzing a pushing demand type of the pushing request;
if the pushing requirement type is a non-result pushing type, encrypting part of the acquired user information and pushing the encrypted user information to the subsystem or a third party;
and if the pushing requirement type is a result pushing type, analyzing the acquired part of the user information to obtain result information, and pushing the result information to the subsystem or a third party.
In this embodiment, if a subsystem or a third party has a service requirement, for example, when a product is recommended to a user or a product is customized for the user, a request may be made to the electronic device, and a corresponding part of information is selectively extracted from a large amount of complete information of the user to be used by the subsystem or the third party for service processing, specifically, for example, the service type is insurance, a part of user information including insurance service is obtained from the large amount of complete information of the user, and a push requirement type of a push request is analyzed, where the push requirement type includes a result push type and a non-result push type.
If the pushing requirement type is a non-result pushing type, pushing the acquired part of user information to the subsystem or a third party after encrypting the part of user information by using a security protocol so as to output original user information to the subsystem or the third party;
if the pushing requirement type is a result pushing type, analyzing the obtained part of the user information to obtain result information, for example, analyzing the coverage and potential requirements of the insurance service of each user, ranking each user based on the analysis condition, for example, the wider the coverage and the greater the potential requirements of the insurance service of the user are, the first ranking is obtained, and then pushing each user identifier and the corresponding ranking to the subsystem or the third party. Of course, the result information here is not necessarily the level information, but may also be other more specific information, for example, the result information is "push service information" and "not push service information", and the subsystem or the third party may perform the operation of the related service according to the result information.
As shown in fig. 2, fig. 2 is a flowchart illustrating an embodiment of an information processing method according to the present invention, the information processing method includes the following steps:
step S1, receiving user information captured by each subsystem through any pre-embedded SDK, wherein the user information comprises basic information, access information and transaction records;
in this embodiment, any gate SDK is installed or embedded in each sub-company or each sub-system of the related party, after the user registration, the user is authorized to log in for the user to handle the business, the user information is captured through the any gate SDK, and then the captured user information is sent to the electronic device, and the electronic device receives the user information captured in each sub-system.
The basic information includes user name, certificate number, contact address, native place and address, the access information includes registration information (e.g. registration time, user name, etc.), update information (e.g. update time), login information (e.g. login time, login place, etc.), and the transaction records include insurance orders, car insurance orders, loan records, etc.
Step S2, based on the basic information, the relevance analysis is carried out on the captured user information, and all the user information related to the same user is taken as the complete information of the user;
in this embodiment, when performing relevance analysis on the captured user information based on the basic information, users with the same or substantially the same basic information (considering that some information may change, for example, a contact way or an address may change) may be correlated to the same user, and preferably, users with the same name and certificate number may be correlated to the same user, or users with the same name, certificate number, and contact way may be correlated to the same user, and all user information of the user may be used as complete information.
For example, after a user A registers in a first subsystem, the user A logs in the subsystem to transact car insurance business, the first subsystem generates and records a corresponding car insurance order, and the first subsystem captures registration information, login information and the car insurance order of the user A and then sends the registration information, the login information and the car insurance order to an electronic device; after a user A registers in a second subsystem of the same company, the user A logs in the second subsystem to transact loan business, the second subsystem generates and records a corresponding loan record, and the second subsystem captures the registration information, the login information and the loan record of the user A and then sends the information to the electronic device. When the electronic device performs relevance analysis on user information, the registration information, the login information and the car insurance order of one user captured by the first subsystem and the registration information, the login information and the loan record of the other user captured by the second subsystem are obtained through analysis, the basic information of the users is the same, the two users are related to form the same user, and the user information such as the registration information, the login information, the car insurance order and the loan record of the user is used as the complete information of the user.
In a preferred embodiment, in order to make the user information complete, concise and uniform, the complete information of each user is further integrated, and the integration processing operation includes merging of repetitive information, labeling of unreliable information, and to-be-supplemented processing of missing information.
And step S3, rating the information integrity and/or financial service of the user based on the complete information, and sharing the information of each subsystem.
In this embodiment, the rating rule for rating the information integrity of the user based on the integrity information may be: users with basically complete basic information and basically complete registration information in the access information are rated as low-level users; the user with complete basic information, complete registration information in the access information, update information and/or login information and a transaction record is evaluated as a medium-grade user; the users with complete basic information, complete registration information in the access information, update information and/or login information and two or more transaction records are rated as high-grade users. Of course, the present invention is only illustrative, and is not limited to the rating rule of rating the integrity of the information, and other embodiments can be flexibly adjusted.
In one embodiment, the banking business rating can be performed according to the transaction frequency and the business coverage of the banking business, and the higher the transaction frequency and the wider the business coverage, the higher the banking business rating corresponding to the user; carrying out insurance business rating according to the transaction frequency degree and the business coverage of the insurance business, wherein the insurance business rating corresponding to the user with higher transaction frequency degree and wider business coverage is higher; and carrying out security service rating according to the transaction frequency degree and the service coverage of the security service, wherein the security service rating corresponding to the user with higher transaction frequency degree and wider service coverage is higher.
In other embodiments, the transaction frequency, the transaction coverage and the transaction time may be combined to perform banking rating, insurance rating and security rating respectively, for example, the banking rating corresponding to the user with higher transaction frequency and wider transaction coverage in the near future (e.g., the last half year or one year) is higher, and so on.
And after finishing the rating of the information integrity of the user and/or the rating of the financial business, storing the information so as to uniformly store and manage the user information. The embodiment strengthens the information content of the user, performs specialized hierarchical management on the user, equivalently constructs an information sharing pool, and meets the service scene requirements of different subsidiaries.
Compared with the prior art, the embodiment receives the user information captured by each subsystem, performs relevance analysis on the captured user information, takes all user information associated with the same user as complete information of the user, performs information integrity rating and/or financial service rating on the user based on the complete information, and provides information sharing for each subsystem.
In a preferred embodiment, on the basis of the embodiment of fig. 2, after the step S3, the method further includes:
when a user logs in the subsystem, if the rating of the information integrity of the user is higher than a preset level, the user logs in directly, and if the rating of the information integrity of the user is not higher than the preset level, login supplementary processing is carried out, so that the user logs in after the login supplementary processing is finished.
In this embodiment, after the rating of the information integrity of the user is performed, when the user logs in next time, if the rating of the information integrity of the user is higher than a preset level, for example, higher than a low level, that is, the user is a medium-level user or a high-level user, in order to make the user log in more conveniently and quickly, the user can log in directly; if the information integrity rating of the user is not higher than the preset level, for example, the user is a low-level user, the user is required to perform login supplementary processing, and the login supplementary processing includes supplementing part of basic information and/or registration information and the like which are missing by the user, so as to complete the user information.
When the rating of the information integrity of the user and the preset rating are analyzed, preferably, the information such as the name and the certificate number input by the user is matched with a large amount of pre-stored user information to obtain the user information matched with the user, then the rating of the information integrity of the user corresponding to the user information is obtained, and the rating is compared with the preset rating.
In a preferred embodiment, on the basis of the embodiment of fig. 2, after the step S3, the method further includes:
when a financial service processing request carrying a user identifier of a subsystem or a third party is received, acquiring a financial service type corresponding to the financial service processing request and acquiring a rating of a user of the user identifier corresponding to the financial service type; and sending the obtained rating of the user to the subsystem or a third party for financial business processing.
In this embodiment, the types of the rating of the financial transaction include a banking rating, an insurance rating, and a securities rating. The third party can access the processing system after authorization to obtain the corresponding user's financial service rating. After the user's financial business rating is performed, if the subsystem or the third party sends a financial business processing request of a certain or some users, the corresponding rating of the user in the corresponding financial business type can be obtained for the subsystem or the third party to perform financial business processing, for example, when the user performs loan, the banking business rating corresponding to the user can be obtained, and then the wind control identification processing, credit investigation processing, financial character analysis and the like are performed, which is beneficial to the effective development of various financial businesses.
In a preferred embodiment, on the basis of the embodiment of fig. 2, after the step S2, the method further includes:
when a pushing request based on a service type of a subsystem or a third party is received, acquiring partial user information corresponding to the service type from complete information of a user, and analyzing a pushing demand type of the pushing request;
if the pushing requirement type is a non-result pushing type, encrypting part of the acquired user information and pushing the encrypted user information to the subsystem or a third party;
and if the pushing requirement type is a result pushing type, analyzing the acquired part of the user information to obtain result information, and pushing the result information to the subsystem or a third party.
In this embodiment, if a subsystem or a third party has a service requirement, for example, when a product is recommended to a user or a product is customized for the user, a request may be made to the electronic device, and a corresponding part of information is selectively extracted from a large amount of complete information of the user to be used by the subsystem or the third party for service processing, specifically, for example, the service type is insurance, a part of user information including insurance service is obtained from the large amount of complete information of the user, and a push requirement type of a push request is analyzed, where the push requirement type includes a result push type and a non-result push type.
If the pushing requirement type is a non-result pushing type, pushing the acquired part of user information to the subsystem or a third party after encrypting the part of user information by using a security protocol so as to output original user information to the subsystem or the third party;
if the pushing requirement type is a result pushing type, analyzing the obtained part of the user information to obtain result information, for example, analyzing the coverage and potential requirements of the insurance service of each user, ranking each user based on the analysis condition, for example, the wider the coverage and the greater the potential requirements of the insurance service of the user are, the first ranking is obtained, and then pushing each user identifier and the corresponding ranking to the subsystem or the third party. Of course, the result information here is not necessarily the level information, but may also be other more specific information, for example, the result information is "push service information" and "not push service information", and the subsystem or the third party may perform the operation of the related service according to the result information.
The invention also provides a computer-readable storage medium having stored thereon a processing system, which when executed by a processor implements the steps of the method of information processing described above.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (8)
1. An electronic device, comprising a memory and a processor connected to the memory, wherein the memory stores a processing system operable on the processor, and the processing system when executed by the processor implements the following steps:
receiving user information captured by each subsystem through a pre-embedded software development kit, wherein the user information comprises basic information, access information and transaction records;
correlation step, based on the basic information, performing correlation analysis on the captured user information, and taking all user information related to the same user as the complete information of the user;
a grading step, namely grading the information integrity and/or grading the financial service of the user based on the complete information for information sharing of each subsystem;
the method comprises the steps of obtaining a financial service type corresponding to a financial service processing request and a rating of a user identification in the financial service type when the financial service processing request carrying the user identification of a subsystem or a third party is received, and sending the obtained rating of the user to the subsystem or the third party for financial service processing.
2. The electronic device of claim 1, wherein the processing system, when executed by the processor, further comprises:
when a user logs in the subsystem, if the rating of the information integrity of the user is higher than a preset level, the user logs in directly, and if the rating of the information integrity of the user is not higher than the preset level, login supplementary processing is carried out, so that the user logs in after the login supplementary processing is finished.
3. The electronic device of claim 1, wherein the processing system, when executed by the processor, further comprises:
when a pushing request based on a service type of a subsystem or a third party is received, acquiring partial user information corresponding to the service type from complete information of a user, and analyzing a pushing demand type of the pushing request;
if the pushing requirement type is a non-result pushing type, encrypting part of the acquired user information and pushing the encrypted user information to the subsystem or a third party;
and if the pushing requirement type is a result pushing type, analyzing the acquired part of the user information to obtain result information, and pushing the result information to the subsystem or a third party.
4. An information processing method, characterized by comprising the steps of:
s1, receiving user information captured by each subsystem through a pre-embedded software development kit, wherein the user information comprises basic information, access information and transaction records;
s2, analyzing the relevance of the captured user information based on the basic information, and taking all user information related to the same user as the complete information of the user;
s3, rating the information integrity and/or financial service of the user based on the complete information, and sharing the information of each subsystem;
the method comprises the steps of obtaining a financial service type corresponding to a financial service processing request and a rating of a user identification in the financial service type when the financial service processing request carrying the user identification of a subsystem or a third party is received, and sending the obtained rating of the user to the subsystem or the third party for financial service processing.
5. The information processing method according to claim 4, further comprising, after step S3:
when a user logs in the subsystem, if the rating of the information integrity of the user is higher than a preset level, the user logs in directly, and if the rating of the information integrity of the user is not higher than the preset level, login supplementary processing is carried out, so that the user logs in after the login supplementary processing is finished.
6. The information processing method according to claim 4, further comprising, after step S2:
when a pushing request based on a service type of a subsystem or a third party is received, acquiring partial user information corresponding to the service type from complete information of a user, and analyzing a pushing demand type of the pushing request;
if the pushing requirement type is a non-result pushing type, encrypting part of the acquired user information and pushing the encrypted user information to the subsystem or a third party;
and if the pushing requirement type is a result pushing type, analyzing the acquired part of the user information to obtain result information, and pushing the result information to the subsystem or a third party.
7. The information processing method according to claim 4, further comprising, after step S2: and performing integration processing operation on the complete information of each user, wherein the integration processing operation comprises combination of repeated information, labeling of unreliable information and to-be-supplemented processing of missing information.
8. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon a processing system, which when executed by a processor implements the steps of the method of information processing according to any one of claims 4 to 7.
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| CN110287255A (en) * | 2019-05-23 | 2019-09-27 | 深圳壹账通智能科技有限公司 | Data sharing method, device and computer equipment based on user behavior |
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