CN108492175A - A kind of financial credit risk control method and server - Google Patents
A kind of financial credit risk control method and server Download PDFInfo
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- CN108492175A CN108492175A CN201810266988.4A CN201810266988A CN108492175A CN 108492175 A CN108492175 A CN 108492175A CN 201810266988 A CN201810266988 A CN 201810266988A CN 108492175 A CN108492175 A CN 108492175A
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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
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The embodiment of the present application discloses a kind of financial credit risk control method and server, the risk management and control for enhancing financial platform.The embodiment of the present application method includes：The loan application of user is received, the loan application carries User Identity；According to the User Identity query history loan documentation, and obtain query result；The loan application of the user is handled according to the query result.Therefore, when carrying out credit risk control using this method between the server of different financial platforms, the corresponding history loan documentation of the user is inquired according to the User Identity in user's loan application and obtains query result, and then the loan application of the user is handled according to the query result, the risk class of the user is determined according to the query result, and according to the loan application of the corresponding processing rule process user of the risk class, to realize the information sharing between financial platform, the lending risk for reducing platform, enhances the risk management and control of financial platform.
Description
Technical field
This application involves the communications field more particularly to a kind of financial credit risk control methods and server.
Background technology
Loan is the loan platform etc. such as bank or other financial institutions by certain interest rate and the conditions such as must give back and lend
A kind of credit activity form of money-capital, that is, platform of providing a loan are thrown the currency concentrated and money-capital by way of loan
It runs out, to meet social enlarged reproduction to the needs of replenishment of funds, promotes the development of economy.
In the prior art, in lending business often there is risk in loan platform, need to use loan before loan
The Assets at family carry out risk assessment audit, can just offer loans after the approval.Different loan platforms is by the platform
The information preservation of interior loan user utilizes the previous loan of loan user when loan user initiates lending and borrowing business again
Money record is used as risk assessment foundation, to assess whether to offer loans to loan user.
However there are higher credit risks in existing loan platform management mechanism, are easy to cause malicious user different
Platform generates repeatedly debt-credit, causes the massive losses of platform.
Invention content
The embodiment of the present application provides a kind of financial credit risk control method and server, the wind for enhancing server
Dangerous management and control.
The embodiment of the present application first aspect provides a kind of financial credit risk control method, including：
The loan application of user is received, the loan application carries User Identity；
According to the User Identity query history loan documentation, and obtain query result；
The loan application of the user is handled according to the query result.
Optionally, described to include according to the User Identity query history loan documentation：
The digital identity of the user is determined according to the User Identity；
The history loan documentation is inquired according to the digital identity of the user.
Optionally, the server is block chain node device, and the acquisition query result includes：
The user's history loan documentation information that other node devices of the block chain return is determined as query result.
Optionally, before the loan application for receiving user, the method further includes：
The application for registration of user is received, the application for registration carries initial user identity；
Obtain the corresponding digital certificate of the initial user identity；
User is generated by the initial user identity and corresponding digital certificate associated storage, and according to preset rules
Digital identity.
Optionally, the server is block chain node device, the digital identity that user is generated according to preset rules,
It specifically includes：
The intelligent contract of block chain is called to generate user according to the initial user identity and corresponding digital certificate
Initial number identity；
The initial number identity of the user is registered in block chain and the whole network is broadcasted, so that other of the block chain
Node device is confirmed according to common recognition mechanism；
The confirmation of other node devices of the block chain is obtained as a result, and according to the number of the confirmation result generation user
Body part.
The embodiment of the present application second aspect provides a kind of financial credit risk control server, which is characterized in that described
Server includes：
Processor, memory, input-output equipment and bus；
The processor, memory, input-output equipment are connected respectively at the bus；
The processor is for executing following steps：
The loan application of user is received, the loan application carries User Identity；
According to the User Identity query history loan documentation, and obtain query result；
The loan application of the user is handled according to the query result.
Optionally, the processor is specifically used for：
The digital identity of the user is determined according to the User Identity；
The history loan documentation is inquired according to the digital identity of the user.
Optionally, the server is block chain node device, and the processor is specifically used for：
The user's history loan documentation information that other node devices of the block chain return is determined as query result.
Optionally, the processor is additionally operable to：
The application for registration of user is received, the application for registration carries initial user identity；
Obtain the corresponding digital certificate of the initial user identity；
User is generated by the initial user identity and corresponding digital certificate associated storage, and according to preset rules
Digital identity.
Optionally, the server is block chain node device, and the server is specifically used for：
The intelligent contract of block chain is called to generate user according to the initial user identity and corresponding digital certificate
Initial number identity；
The initial number identity of the user is registered in block chain and the whole network is broadcasted, so that other of the block chain
Node device is confirmed according to common recognition mechanism；
The confirmation of other node devices of the block chain is obtained as a result, and according to the number of the confirmation result generation user
Body part.
As can be seen from the above technical solutions, the embodiment of the present application has the following advantages：
This application provides a kind of financial credit risk control methods, including：Receive the loan application of user, the loan
Application carries User Identity；According to the User Identity query history loan documentation, and obtain query result；According to
The query result handles the loan application of the user.Therefore, between the server of different financial platforms using this method into
When row credit risk controls, the corresponding history loan documentation of the user is inquired according to the User Identity in user's loan application
And query result is obtained, and then the loan application of the user is handled according to the query result, i.e., being determined according to the query result should
The risk class of user, and according to the loan application of the corresponding processing rule process user of the risk class, to realize gold
Melt the information sharing between platform, reduces the lending risk of platform, enhance the risk management and control of financial platform.
Description of the drawings
Fig. 1 is a schematic diagram of financial credit risk control method in the embodiment of the present application；
Fig. 2 is another schematic diagram of financial credit risk control method in the embodiment of the present application；
Fig. 3 is another schematic diagram of financial credit risk control method in the embodiment of the present application；
Fig. 4 is a schematic diagram of financial credit risk control system in the embodiment of the present application；
Fig. 5 is another schematic diagram of financial credit risk control system in the embodiment of the present application；
Fig. 6 is a schematic diagram of financial credit risk control server in the embodiment of the present application.
Specific implementation mode
The embodiment of the present application provides a kind of financial credit risk control method and server, the wind for enhancing server
Dangerous management and control.
In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application
Attached drawing, technical solutions in the embodiments of the present application are clearly and completely described, it is clear that described embodiment is only
The embodiment of the application part, instead of all the embodiments.Based on the embodiment in the application, ordinary skill people
The every other embodiment that member is obtained without making creative work should all belong to the model of the application protection
It encloses.
Term " first ", " second ", " third " in the description and claims of this application and above-mentioned attached drawing, "
Four " etc. be for distinguishing similar object, without being used to describe specific sequence or precedence.It should be appreciated that using in this way
Data can be interchanged in the appropriate case, so that the embodiments described herein can be in addition to illustrating or describing herein
Sequence other than appearance is implemented.In addition, term " comprising " and " having " and their any deformation, it is intended that covering is non-exclusive
Include to be not necessarily limited to clearly arrange for example, containing the process of series of steps or unit, method, system, product or equipment
Those of go out step or unit, but may include not listing clearly or solid for these processes, method, product or equipment
The other steps or unit having.
This application involves financial credit fields, specifically in application process, can be in the present embodiment and subsequent embodiment
Financial credit risk control method in the embodiment of the present application is executed for the server in financial credit platform, to realize that finance is flat
Credit information between platform is shared, and then enhances the risk management and control of financial platform.
In order to make it easy to understand, the detailed process in the embodiment of the present application is described below, referring to Fig. 1, the application
One embodiment of financial credit risk control method includes in embodiment：
101, the loan application of user is received, the loan application carries User Identity；
In the present embodiment, when initiating loan application with user orientation server, server can be obtained from the loan application
Obtain the User Identity of its carrying.
Specifically, which can be the real identification information and/or digital identity information of user, wherein
The real identification information of user can be ID card No., organization mechanism code, bank card number and the phone number of the user
In one or more, or other information for indicating the real identification of user does not limit specifically herein.This
Outside, it is the digital certificate that the user issues that the digital identity information of user, which can be CA service providers, is specifically as follows individual digital
Certificate, unit digital certificate, unit personnel's digital certificate, server certificate, VPN certificates, WAP certificates, code signature certificate and
One or more in Form-signing certificate, does not limit specifically herein.
In addition, user can be personal, enterprise or other organizations, do not limit herein specifically.
102, according to the User Identity query history loan documentation, and query result is obtained；
In the present embodiment, server goes to inquire its corresponding history according to the User Identity that step 101 acquires
Loan documentation, and obtain query result.
Specifically, server can inquire the corresponding history loan of the User Identity in the storage server of itself
It records, the corresponding history of the User Identity is inquired in the shared data bank that can also be safeguarded between the different servers and is borrowed
Money records, and does not limit herein.Using the corresponding history loan documentation of the User Identity as query result, wherein this is looked into
It may include one in the assuring mode of the user, the first refund source, repay overdue number and amount of money of not repaying to ask result
Or it is multiple, it can also be other user's qualification information, do not limit herein specifically.
103, the loan application of the user is handled according to the query result；
In the present embodiment, server handles the loan application of the user according to the query result that step 102 acquires.
Specifically, server can determine the risk class of the user according to the query result, and according to the risk class
The loan application of the corresponding processing rule process user.
For example, can be recorded according to the overdue refund of user, the data such as amount of money of not repaying are used as with reference to foundation, by the risk
Grade classification is low middle high three grades.Wherein, low risk level：Credit is good, and history loan has been closed and without overdue, loan
The money amount of money is borrowed user's in amount, then provides loan in full；Or credit is good, history loan still have it is a small amount of do not close but
No overdue refund record, the amount of the loan and outstanding history amount of the loan summation borrowing in amount in user, then provide
Loan in full.Risk grade：History loan has been closed but has had the overdue refund record in part or history loan not to close,
Or the application amount of the loan can borrow amount more than user；Part loan can be then provided by way of downgrading and can borrowing amount.Gao Feng
Dangerous grade：Frequent overdue refund in history loan documentation, history loan is most of not to be closed, then user is prompted not have loan Shen
Please qualification, apply again after need to refunding.In addition to this, server can be according to the preset other processing rule process use of itself
The loan application at family, does not limit specifically herein.
In the present embodiment, the server of financial platform receives the loan application of user, and the loan application carries user's body
Part mark；According to the User Identity query history loan documentation, and obtain query result；At the query result
Manage the loan application of the user.Therefore, between different servers using this method carry out credit risk control when, according to
User Identity in the loan application of family inquires the corresponding history loan documentation of the user and obtains query result, and then basis
The query result handles the loan application of the user, i.e., the risk class of the user is determined according to the query result, and according to this
The loan application of the corresponding processing rule process user of risk class, to realize the information sharing between financial platform, drop
The low lending risk of platform, enhances the risk management and control of financial platform.
In the embodiment of the present application, the history loan documentation of server stores user can use the real identification information of user
And/or digital identity information, and user generally uses real identification information to carry out loan application, therefore, according to the real identification
Information determines the digital identity information of the user；And then it inquires its corresponding history further according to the digital identity information of user and borrows
Money records.
Referring to Fig. 2, another embodiment of financial credit risk control method includes in the embodiment of the present application：
201, the loan application of user is received, the loan application carries User Identity；
In the present embodiment, when initiating loan application with user orientation server, server can be obtained from the loan application
Obtain the User Identity of its carrying.
Specifically, which can be the real identification information of user, wherein the real identification information of user
Can be one or more in the ID card No. of the user, organization mechanism code, bank card number and phone number, or
Person is other information for indicating the real identification of user.In addition, user can be personal, enterprise or other tissues
Mechanism does not limit specifically herein.
202, the digital identity of the user is determined according to the User Identity；
In the present embodiment, server determines the digital body of its corresponding user according to the User Identity in step 101
Part information.
Specifically, server is obtained according to User Identity whereabouts digital authenticating center and is demonstrate,proved with its unique corresponding number
Book.Wherein, the digital identity information of user can be the account that the server is user distribution, or CA service providers are
The digital certificate that the user issues, it does not limit herein specifically.It is the user when the digital identity information of user is CA service providers
When the digital certificate issued, it is specifically as follows personal digital certificate, unit digital certificate, unit personnel's digital certificate, server
One or more in certificate, VPN certificates, WAP certificates, code signature certificate and Form-signing certificate, does not do specifically herein
It limits.
203, the history loan documentation is inquired according to the digital identity of the user, and obtains query result；
In the present embodiment, number identity information that server is acquired according to step 202 goes to inquire its corresponding
History loan documentation, and obtain query result.
Specifically, server can inquire the corresponding history of the digital identity system information in the storage server of itself and borrow
Money records, and the digital identity information that the user is inquired in the shared data bank that can also be safeguarded between the different servers corresponds to
History loan documentation, do not limit herein.Using the corresponding history loan documentation of the digital identity information of the user as inquiry
As a result, wherein the query result may include the assuring mode of the user, the first refund source, the overdue number of repaying and not go back
One or more of loan value can also be other user's qualification information, not limit herein specifically.
204, the loan application of the user is handled according to the query result.
In the present embodiment, step 204 is similar with abovementioned steps 103, and details are not described herein again.
In the present embodiment, server receives the loan application of user, and the loan application carries User Identity；According to
The User Identity determines the digital identity of the user；The history loan is inquired according to the digital identity of the user
Record, and obtain query result；The loan application of the user is handled according to the query result.Therefore, different server
Between using this method carry out credit risk control when, which is inquired according to the User Identity in user's loan application
The history loan documentation answered simultaneously obtains query result, and then the loan application of the user, i.e. basis are handled according to the query result
The query result determines the risk class of the user, and according to the loan of the corresponding processing rule process user of the risk class
Application, to realize the information sharing between financial platform, reduces the lending risk of platform, enhances the risk of financial platform
Management and control.
Block chain is the novel of the computer technologies such as Distributed Storage, point-to-point transmission, common recognition mechanism, Encryption Algorithm
Application model has the characteristics that decentralization and data can not distort.Therefore, to improve the safety of information storage, at this
Block chain technology can be introduced in application embodiment, i.e., can safeguard the digital body of a block chain between different servers jointly
Part platform, each server is the verification node on this block platform chain.
In the embodiment of the present application, the characteristics of can not the distorting of district center and data based on block chain technology, in finance
Block chain technology can be introduced in loan risk control method.At this point, the server in financial credit platform is as block chain
Node device, the node device register acquisition by server in block chain.
Referring to Fig. 3, another embodiment of financial credit risk control method includes in the embodiment of the present application：
301, the application for registration of user is received；
In the present embodiment, when user provides a loan to server application for the first time, application for registration need to be submitted to the server, at this point,
Server receives the application for registration of the user, and the application for registration carries initial user identity.
Specifically, which includes the personally identifiable information of the user, can be the identity of the user
One or more in number, organization mechanism code, bank card number and phone number is demonstrate,proved, is not limited herein specifically.This
Outside, user can be personal, enterprise or other organizations, not limit herein specifically.
302, the corresponding digital certificate of the initial user identity is obtained；
In the present embodiment, server goes to obtain its corresponding number according to preset rules according to the initial user identity
Certificate.
Specifically, server can obtain the initial user identity of the user uniquely corresponding number to CA service providers
Certificate, be specifically as follows personal digital certificate, unit digital certificate, unit personnel's digital certificate, server certificate, VPN certificates,
One or more in WAP certificates, code signature certificate and Form-signing certificate, does not limit specifically herein.
303, it by the initial user identity and corresponding digital certificate associated storage, and is generated according to preset rules
The digital identity of user；
In the present embodiment, server is by initial user identity and corresponding digital certificate associated storage, and according to pre-
If rule generates the digital identity of user.
Specifically, the digital identity platform of a block chain, each server can be safeguarded between server jointly
It is the verification node on this block platform chain, by calling the intelligent contract of block chain, generates the request of a cochain, own
The formula algorithm that server by utilizing is approved in many ways is authenticated the identity information of the user, after verification, the user's
Identity information will be written into block chain, become the digital identity that can not be distorted approved in many ways.When multi-party node confirms just
When beginning User Identity and corresponding digital certificate, then initial user identity and/or corresponding digital certificate become
The number identity information being registered in block chain；When multi-party node does not confirm, then to re-call suitable intelligence and close
It is about regenerated and is reaffirmed.
For each loan platform, the credit information of the user is written into block chain, and with the identity information of the user
It is corresponding.Wherein, the credit information of user may include the assuring mode of the user, the first refund source, repay overdue number and
It does not repay one or more of amount of money, can also be other credit informations, do not limit herein specifically.
In the present embodiment, which can be POW (ProofofWork, work prove), POS (Proof of
Stake, equity prove), DPOS (Delegated Proof of Stake, appoint equity prove), PBFT (Practical
Byzantine Fault Tolerance, practical Byzantine failure tolerance algorithm) in any one, can also be other formula
Algorithm does not limit specifically herein.
304, the loan application of user is received, the loan application carries User Identity；
305, the digital identity of the user is determined according to the User Identity；
In the present embodiment, step 304 and step 305 are similar with abovementioned steps 201 and step 202, and details are not described herein again.
306, the history loan documentation is inquired according to the digital identity of the user, and obtains query result；
In the present embodiment, server is when confirming that loan application corresponds to the digital identity of user, according to the number of the user
Its history loan documentation of ID inquiring, and obtain query result.
Specifically, server will inquire the user providing a loan in history on block chain by the digital identity of the user
Record, using the corresponding history loan documentation of the number identity as query result, wherein the query result may include this
The assuring mode of user, the first refund source, repay overdue number and one or more of amount of money of not repaying, can also be it
Its credit information, does not limit specifically herein.
307, the loan application of the user is handled according to the query result.
In the present embodiment, step 307 is similar with abovementioned steps 103, and details are not described herein again.
In the present embodiment, it is based on block chain technology, server receives the application for registration of user, and the application for registration carries just
Beginning User Identity；Obtain the corresponding digital certificate of the initial user identity；By the initial user identity
With corresponding digital certificate associated storage, and according to preset rules generate user digital identity；The loan application of user is received,
The loan application carries User Identity；The digital identity of the user is determined according to the User Identity；According to
The digital identity of the user inquires the history loan documentation, and obtains query result；Institute is handled according to the query result
State the loan application of user.Therefore, when carrying out credit risk control using this method between the server of different financial platforms, base
It the characteristics such as can not distort in the decentralization of block chain technology and data, according to the User Identity in user's loan application
It inquires the corresponding history loan documentation of the user and obtains query result, and then handle the loan of the user according to the query result
Application, i.e., determine the risk class of the user, and according to the corresponding processing rule process of the risk class according to the query result
The loan application of the user reduces the lending risk of platform, enhances gold to realize the information sharing between financial platform
Melt the risk management and control of platform.
Referring to Fig. 4, one embodiment of financial credit risk control system includes in the embodiment of the present application：
Receiving unit 401, the loan application for receiving user, the loan application carry User Identity；
Acquiring unit 402 is inquired, is used for according to the User Identity query history loan documentation, and obtains inquiry knot
Fruit；
Processing unit 403 handles the loan application of the user according to the query result.
In the present embodiment, receiving unit 401 receives the loan application of user, and the loan application carries user identity mark
Know；Acquiring unit 402 is inquired according to the User Identity query history loan documentation, and obtains query result；Processing is single
Member 403 handles the loan application of the user according to the query result.Therefore, between different servers using this method into
When row credit risk controls, the corresponding history loan documentation of the user is inquired according to the User Identity in user's loan application
And query result is obtained, and then the loan application of the user is handled according to the query result, i.e., being determined according to the query result should
The risk class of user, and according to the loan application of the corresponding processing rule process user of the risk class, to realize gold
Melt the information sharing between platform, reduces the lending risk of platform, enhance the risk management and control of financial platform.
Referring to Fig. 5, another embodiment of financial credit risk control system includes in the embodiment of the present application：
First receiving unit 501, the application for registration for receiving user, the application for registration carry initial user identity mark
Know；
Acquiring unit 502, for obtaining the corresponding digital certificate of the initial user identity；
Generation unit 503 is used for the initial user identity and corresponding digital certificate associated storage, and according to
Preset rules generate the digital identity of user
Second receiving unit 504, the loan application for receiving user, the loan application carry User Identity；
Determination unit 505, the digital identity for determining the user according to the User Identity；
Acquiring unit 506 is inquired, for inquiring the history loan documentation according to the digital identity of the user, and is obtained
Query result；
Processing unit 507, the loan application for handling the user according to the query result.
In the present embodiment, it is based on block chain technology, the first receiving unit 501 receives the application for registration of user, the registration
Application carries initial user identity；Acquiring unit 502 obtains the corresponding digital certificate of the initial user identity；It is raw
At unit 503 by the initial user identity and corresponding digital certificate associated storage, and generates and use according to preset rules
The digital identity at family；Second receiving unit 504 receives the loan application of user, and the loan application carries User Identity；
Determination unit 505 determines the digital identity of the user according to the User Identity；Acquiring unit 506 is inquired according to described
The digital identity of user inquires the history loan documentation, and obtains query result；Processing unit 507 is according to the query result
Handle the loan application of the user.Therefore, between the server of different financial platforms credit risk control is carried out using this method
When processed, decentralization and data based on block chain technology such as can not distort at the characteristics, according to the user in user's loan application
Identity inquires the corresponding history loan documentation of the user and obtains query result, and then handles the use according to the query result
The loan application at family determines the risk class of the user according to the query result, and according to the corresponding processing of the risk class
The loan application of the rule process user reduces the lending risk of platform to realize the information sharing between financial platform,
Enhance the risk management and control of financial platform.
Referring to Fig. 6, one embodiment of financial credit risk control server includes in the embodiment of the present application：
Processor, memory, input-output equipment and bus；
The processor, memory, input-output equipment are connected respectively at the bus；
The processor is for executing following steps：
The loan application of user is received, the loan application carries User Identity；
According to the User Identity query history loan documentation, and obtain query result；
The loan application of the user is handled according to the query result.
Preferably, the processor is specifically used for：
The digital identity of the user is determined according to the User Identity；
The history loan documentation is inquired according to the digital identity of the user.
Preferably, the server is block chain node device, and the processor is specifically used for：
The user's history loan documentation information that other node devices of the block chain return is determined as query result.
Preferably, the processor is additionally operable to：
The application for registration of user is received, the application for registration carries initial user identity；
Obtain the corresponding digital certificate of the initial user identity；
User is generated by the initial user identity and corresponding digital certificate associated storage, and according to preset rules
Digital identity.
Preferably, the server is block chain node device, and the server is specifically used for：
The intelligent contract of block chain is called to generate user according to the initial user identity and corresponding digital certificate
Initial number identity；
The initial number identity of the user is registered in block chain and the whole network is broadcasted, so that other of the block chain
Node device is confirmed according to common recognition mechanism；
The confirmation of other node devices of the block chain is obtained as a result, and according to the number of the confirmation result generation user
Body part.
In the present embodiment, which can generate bigger difference because configuration or performance are different, may include one
A or more than one central processing unit (central processing units, CPU) 601 is (for example, at one or more
Manage device) and memory 605, one or more application program or data are stored in the memory 605.
Wherein, memory 605 can be volatile storage or persistent storage.Being stored in the program of memory 605 can wrap
One or more modules are included, each module may include to the series of instructions operation in server.Further, in
Central processor 601 could be provided as communicating with memory 605, be executed on computer installation 600 a series of in memory 605
Instruction operation.
The server 600 can also include one or more power supplys 602, one or more wired or wireless nets
Network interface 603, one or more input/output interfaces 604, and/or, one or more operating systems, such as
Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..
It is retouched in the flow and previous embodiment performed by central processing unit 601 in the present embodiment Computer device 600
The step of stating the financial credit risk control method execution in method flow is similar, and details are not described herein again.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
It is understood that in the various embodiments of the application, the size of the serial number of above steps is not meant to
The execution sequence of the priority of execution sequence, each step should be determined by its function and internal logic, without coping with the embodiment of the present application
Implementation process constitute any restriction.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple units or component
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be the indirect coupling by some interfaces, device or unit
It closes or communicates to connect, can be electrical, machinery or other forms.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
In addition, each functional unit in each embodiment of the application can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.Above-mentioned integrated list
The form that hardware had both may be used in member is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can be stored in a computer read/write memory medium.Based on this understanding, the technical solution of the application is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the application
Portion or part steps.And storage medium above-mentioned includes：USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, RandomAccess Memory), magnetic disc or CD etc. are various can store journey
The medium of sequence code.
The above, above example are only to illustrate the technical solution of the application, rather than its limitations；Although with reference to before
Embodiment is stated the application is described in detail, it will be understood by those of ordinary skill in the art that：It still can be to preceding
The technical solution recorded in each embodiment is stated to modify or equivalent replacement of some of the technical features；And these
Modification or replacement, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of financial credit risk control method, which is characterized in that it is applied to server, the method includes：
The loan application of user is received, the loan application carries User Identity；
According to the User Identity query history loan documentation, and obtain query result；
The loan application of the user is handled according to the query result.
2. according to the method described in claim 1, it is characterized in that, described provide a loan according to the User Identity query history
Record includes：
The digital identity of the user is determined according to the User Identity；
The history loan documentation is inquired according to the digital identity of the user.
3. method according to claim 1 or 2, which is characterized in that the server is block chain node device, described to obtain
The query result is taken to include：
The user's history loan documentation information that other node devices of the block chain return is determined as query result.
4. according to the method described in claim 3, it is characterized in that, it is described receive user loan application before, the side
Method further includes：
The application for registration of user is received, the application for registration carries initial user identity；
Obtain the corresponding digital certificate of the initial user identity；
By the initial user identity and corresponding digital certificate associated storage, and according to the number of preset rules generation user
Body part.
5. according to the method described in claim 4, it is characterized in that, the server be block chain node device, it is described according to
Preset rules generate the digital identity of user, specifically include：
The intelligent contract of block chain is called to generate the first of user according to the initial user identity and corresponding digital certificate
Beginning digital identity；
The initial number identity of the user is registered in block chain and the whole network is broadcasted, so that other nodes of the block chain
Equipment is confirmed according to common recognition mechanism；
The confirmation of other node devices of the block chain is obtained as a result, and according to the digital body of the confirmation result generation user
Part.
6. a kind of financial credit risk control server, which is characterized in that the server includes：
Processor, memory, input-output equipment and bus；
The processor, memory, input-output equipment are connected respectively at the bus；
The processor is for executing following steps：
The loan application of user is received, the loan application carries User Identity；
According to the User Identity query history loan documentation, and obtain query result；
The loan application of the user is handled according to the query result.
7. server according to claim 6, which is characterized in that the processor is specifically used for：
The digital identity of the user is determined according to the User Identity；
The history loan documentation is inquired according to the digital identity of the user.
8. the server described according to claim 6 or 7, which is characterized in that the server is block chain node device, described
Processor is specifically used for：
The user's history loan documentation information that other node devices of the block chain return is determined as query result.
9. server according to claim 8, which is characterized in that the processor is additionally operable to：
The application for registration of user is received, the application for registration carries initial user identity；
Obtain the corresponding digital certificate of the initial user identity；
By the initial user identity and corresponding digital certificate associated storage, and according to the number of preset rules generation user
Body part.
10. server according to claim 9, which is characterized in that the server is block chain node device, the clothes
Business implement body is used for：
The intelligent contract of block chain is called to generate the first of user according to the initial user identity and corresponding digital certificate
Beginning digital identity；
The initial number identity of the user is registered in block chain and the whole network is broadcasted, so that other nodes of the block chain
Equipment is confirmed according to common recognition mechanism；
The confirmation of other node devices of the block chain is obtained as a result, and according to the digital body of the confirmation result generation user
Part.
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| CN201810266988.4A CN108492175A (en) | 2018-03-28 | 2018-03-28 | A kind of financial credit risk control method and server |
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| CN201810266988.4A CN108492175A (en) | 2018-03-28 | 2018-03-28 | A kind of financial credit risk control method and server |
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| CN201810266988.4A Pending CN108492175A (en) | 2018-03-28 | 2018-03-28 | A kind of financial credit risk control method and server |
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Application publication date: 20180904 |