CN109636582A - Credit information management method, device, equipment and storage medium - Google Patents

Credit information management method, device, equipment and storage medium Download PDF

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Publication number
CN109636582A
CN109636582A CN201811292456.4A CN201811292456A CN109636582A CN 109636582 A CN109636582 A CN 109636582A CN 201811292456 A CN201811292456 A CN 201811292456A CN 109636582 A CN109636582 A CN 109636582A
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Prior art keywords
information
credit information
credit
data
privately owned
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CN201811292456.4A
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CN109636582B (en
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宋斌
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Priority to CN201811292456.4A priority Critical patent/CN109636582B/en
Priority to PCT/CN2018/122836 priority patent/WO2020087704A1/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
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  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
  • Information Transfer Between Computers (AREA)
  • Storage Device Security (AREA)

Abstract

The invention discloses a kind of credit information management methods, comprising: receives data and imports request, obtains the data and import the corresponding credit information of request;The corresponding data directory of the credit information is created, and public field information and privately owned field information will be divided into the credit information;The data directory and the public field information are added in default universal list, and the data directory and the attached label comprising the privately owned field information are associated;The data inquiry request that inquiry end is sent is received, the target data index for including in the data inquiry request is obtained;The default universal list is inquired, the target data is obtained and indexes corresponding target credit information, and the target credit information is back to the inquiry end.The invention also discloses a kind of credit information managing device, equipment and storage mediums.The present invention carries out Data Migration to credit information, realizes that credit information manages unitizedly, so that inquiry is more convenient.

Description

Credit information management method, device, equipment and storage medium
Technical field
The present invention relates to data processing field more particularly to credit information management method, device, equipment and storage mediums.
Background technique
With the diversification of social progress and financial market, credit information is in explosive growth, and credit information management becomes It is particularly important.
In order to facilitate credit information inquiry, the credit information by each lending platforms is needed to arrange, still, due to each The credit information type of lending platforms is different, and the storage format of the credit information of identical type and disunity, therefore, currently simultaneously There is no unitized ground credit information management methods.
Summary of the invention
The main purpose of the present invention is to provide a kind of credit information management method, device, equipment and storage mediums, it is intended to Realize that credit information manages unitizedly, so that credit information inquiry is more convenient.
To achieve the above object, the present invention provide credit information management method, the credit information management method include with Lower step:
It receives data and imports request, obtain the data and import the corresponding credit information of request;
Create the corresponding data directory of the credit information, and will be divided into the credit information public field information and Privately owned field information;
The data directory and the public field information are added in default universal list, and by the data directory It is associated with the attached label comprising the privately owned field information;
The data inquiry request that inquiry end is sent is received, the target data rope for including in the data inquiry request is obtained Draw;
The default universal list is inquired, the target data is obtained and indexes corresponding target credit information, and will be described Target credit information is back to the inquiry end.
Optionally, the reception data import request, obtain the data and import the step of requesting corresponding credit information, Include:
It receives the data triggered based on credit picture and imports request, the credit picture is pre-processed, and extract warp Characteristic information after pretreatment in the credit picture;
The characteristic information is input to preset characters classifier, obtains character information, and the character information is carried out Post-processing obtains the data and imports the corresponding credit information of request.
Optionally, the corresponding data directory of the creation credit information, and public affairs will be divided into the credit information The step of total field information and privately owned field information, comprising:
The corresponding data directory of the credit information is created, and obtains the text formatting of the credit information;
When the text formatting is standardized structural, the first credit of predetermined position in the standardized structural is believed Breath is used as public field information, using the credit information in addition to first credit information as privately owned field information;
When the text formatting is nonstandardized technique structure, the credit information is carried out at participle by default participle method Reason, obtains the corresponding keyword of the credit information;
Acquisition and the matched target keywords of default public field, and believe the target keywords as public field Breath, by the keyword in addition to the target keywords, as privately owned field information.
Optionally, described that the data directory and the public field information are added in default universal list, and will The step of data directory is associated with the attached label for including the privately owned field information, comprising:
The data directory is added in default universal list, and obtains the information type of the public field information, The information type is compared with each field item in default universal list;
Acquisition and the matched aiming field item of the information type, and the field value in the public field information is added To the aiming field item corresponding position;
When detecting that public field information addition is completed, blank tag that the privately owned field information is added to In, and using the blank tag comprising the privately owned field information as attached label;
The data directory and the attached label comprising the privately owned field information are associated, described in completing The importing of credit information.
Optionally, the reception data import request, obtain the data and import the step of requesting corresponding credit information Later, comprising:
The credit mark for obtaining the credit information, inquires default credit database, and it is corresponding to obtain the credit mark Standard credit information;
When the credit information and the standard credit information mismatch, prompt information is generated, to prompt described in user Credit information inaccuracy;
When the credit information is matched with the standard credit information, executes and create the corresponding data of the credit information Index, and the step of by public field information and privately owned field information is divided into the credit information.
Optionally, the data inquiry request for receiving inquiry end and sending, obtains in the data inquiry request and includes The step of target data indexes, comprising:
The data inquiry request that inquiry end is sent is received, according to the capability identification for including in data query instruction to institute The search access right for stating inquiry end is verified;
When the search access right at the inquiry end passes through verifying, the target data for including in the data inquiry request is obtained Index.
Optionally, described that the data directory and the public field information are added in default universal list, and will After the step of data directory is associated with the attached label for including the privately owned field information, comprising:
Establish the incidence relation between the credit information and the default universal list;
When public field information update in the credit information, by presetting general column described in the update of incidence relation Table;
When privately owned field information in the credit information updates, by attached label described in the update of incidence relation.
In addition, to achieve the above object, the present invention also provides a kind of credit information managing device, the credit information management Device includes:
First receiving module imports request for receiving data, obtains the data and imports the corresponding credit information of request;
Information division module for creating the corresponding data directory of the credit information, and will be drawn in the credit information It is divided into public field information and privately owned field information;
Information import modul, for the data directory and the public field information to be added to default universal list In, and the data directory and the attached label comprising the privately owned field information are associated;
Second receiving module receives the data inquiry request that inquiry end is sent, obtains in the data inquiry request and include Target data index;
Data inquiry module obtains the target data and indexes corresponding target for inquiring the default universal list Credit information, and the target credit information is back to the inquiry end.
In addition, to achieve the above object, the present invention also provides a kind of credit information management equipments;
The credit information management equipment includes: memory, processor and is stored on the memory and can be described The computer program run on processor, in which:
The computer program realizes the step of credit information management method as described above when being executed by the processor.
In addition, to achieve the above object, the present invention also provides computer storage mediums;
Computer program, the realization when computer program is executed by processor are stored in the computer storage medium Such as the step of above-mentioned credit information management method.
A kind of credit information management method, device, equipment and the storage medium that the embodiment of the present invention proposes, server receive Data import request, obtain the data and import the corresponding credit information of request;Create the corresponding data rope of the credit information Draw, and public field information and privately owned field information will be divided into the credit information;By the data directory and the public affairs Field information is added in default universal list altogether, and by the data directory and the additional mark comprising the privately owned field information Label are associated;In the data inquiry request for receiving the transmission of inquiry end, the number of targets for including in the data inquiry request is obtained According to index;The default universal list is inquired, the target data is obtained and indexes corresponding target credit information, and by the mesh Mark credit information is back to the inquiry end.Default universal list is preset in the present invention, is being received based on credit information When the data of triggering import, credit information is divided into public field information and privately owned field information, and the letter completed will be divided It borrows information to be automatically imported in default universal list, realizes credit information unified management, at the same time, inquired in credit information When, server only needs to inquire default universal list, so that it may corresponding credit information is got, so that credit information inquiry is more It is convenient to add.
Detailed description of the invention
Fig. 1 is the apparatus structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to;
Fig. 2 is the flow diagram of credit information management method first embodiment of the present invention;
Fig. 3 is the functional block diagram of one embodiment of credit information managing device of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are: managing platform (credit information pipe by establishing a credit information The hardware running environment of platform being related to is server as shown in Figure 1), credit information manages platform and each lending platforms Between communicate to connect, credit information management platform receive lending platforms push credit information when, i.e., triggering be based on credit The data of information, which import, requests, and server receives data and imports request, obtains the data and imports the corresponding credit information of request; The corresponding data directory of the credit information is created, and public field information and privately owned field will be divided into the credit information Information;The data directory and the public field information are added in default universal list, and by the data directory with Attached label comprising the privately owned field information is associated;The unitized management of credit information is realized, to facilitate user query.
Since when progress credit information is integrated, usually the data of each lending platforms being stored in respectively in the prior art Summarizing for each lending platforms credit information is only simply realized in different credit information tables, such credit information arrangement, It is unfavorable for the maintenance and use of credit information, that is, when carrying out credit information inquiry, need individually to look into each credit table It askes, such credit information management method, and unreasonable.
Technical solution in the present invention realizes the unified management of the credit information on true meaning, is preset by setting general Then the credit information of each lending platforms is automatically imported into default universal list by list, do not need manually to carry out letter The output again for borrowing information, reduces the waste of human resources, meanwhile, when carrying out credit information inquiry, server only needs Inquire default universal list, so that it may get credit information whole on the difference lending platforms, information inquiry is more convenient.
As shown in Figure 1, the server that Fig. 1 is the hardware running environment that the embodiment of the present invention is related to (is called credit letter Cease management equipment, wherein credit information management equipment can be to be made of individual credit information managing device, be also possible to by Other devices are combined with credit information managing device and to be formed) structural schematic diagram.
Server of the embodiment of the present invention refers to a management resource and provides the computer of service for user, is generally divided into file Server, database server and apps server.The computer or computer system for running the above software are also referred to as Server.For common PC (personal computer) personal computer, server is in stability, safety, property Energy etc. requires higher;As shown in Figure 1, the server may include: processor 1001, such as central processing unit (Central Processing Unit, CPU), network interface 1004, user interface 1003, memory 1005, communication bus 1002, hardware such as chipset, disk system, network etc..Wherein, communication bus 1002 is for realizing the connection between these components Communication.User interface 1003 may include display screen (Display), import unit such as keyboard (Keyboard), optional user Interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include having for standard Line interface, wireless interface (such as Wireless Fidelity WIreless-FIdelity, WIFI interface).Memory 1005 can be high speed with Machine accesses memory (random access memory, RAM), is also possible to stable memory (non-volatile ), such as magnetic disk storage memory.Memory 1005 optionally can also be the storage dress independently of aforementioned processor 1001 It sets.
Optionally, server can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, sound Frequency circuit, WiFi module;Import unit, than display screen, touch screen;Network interface can be blue in blanking wireless interface in addition to WiFi Tooth, probe etc..It will be understood by those skilled in the art that server architecture shown in Fig. 1 does not constitute the restriction to server, It may include perhaps combining certain components or different component layouts than illustrating more or fewer components.
As shown in Figure 1, the computer software product, which is stored in a storage medium, (storage medium: is called computer storage Medium, computer media, readable medium, readable storage medium storing program for executing, computer readable storage medium are directly medium etc., storage Medium can be non-volatile readable storage medium, such as RAM, magnetic disk, CD) in, including some instructions use is so that an end End equipment (can be mobile phone, computer, server, air conditioner or the network equipment etc.) executes each embodiment institute of the present invention The method stated, as may include operating system, network communication module, use in a kind of memory 1005 of computer storage medium Family interface module and computer program.
In server shown in Fig. 1, network interface 1004 be mainly used for connect background data base, with background data base into Row data communication;User interface 1003 is mainly used for connection client, and (client, is called user terminal or terminal, and the present invention is implemented Example terminal can be also possible to mobile terminal with fixed terminal, e.g., intelligent air condition, intelligent electric lamp, intelligent power with network savvy, Intelligent sound box, autonomous driving vehicle, PC, smart phone, tablet computer, E-book reader, portable computer etc., are wrapped in terminal Containing sensor such as optical sensor, motion sensor and other sensors, details are not described herein), data are carried out with client Communication;And processor 1001 can be used for calling the computer program stored in memory 1005, and it is real to execute the present invention or less Step in the credit information management method of example offer is provided.
The present embodiment proposes a kind of credit information management method.
Execute the present embodiment in credit information management method the step of before, needing to preset universal list, In, the table column label of default universal list is provided with default public field item, for example, account number, contract number, customer name, industry Service type, interest rate etc., row table label are provided with index entry, and index entry can be arranged as the case may be, for example, being set as user Mark expands item or addition attached label in addition, can also be arranged in default universal list, credit information pipe in the present embodiment Reason method is that the credit information in different lending platforms is automatically imported in default universal list, to realize that credit information is united One management, facilitates credit information to inquire, specifically:
Referring to Fig. 2, in a kind of first embodiment of credit information management method of the present invention, the credit information management method Include:
Step S10 receives data and imports request, obtains the data and imports the corresponding credit information of request.
The present embodiment is applied to server as shown in Figure 1, and server receives data and imports request, the number in the present embodiment It can be triggered by different modes according to request is imported, for example, user, which is based on terminal, uploads credit information, and the letter based on upload It borrows the manual trigger data of information and imports request;Or server receives credit information automatic trigger data and imports request, that is, clothes Business device is connect with the database communication of each lending platforms in advance, and in the database update of lending platforms, lending platforms will Credit information is pushed to server, server receives the credit information of lending platforms push, based on lending platforms push Credit information automatic trigger data import request.
When server receives data and imports request, server obtains data and imports the corresponding credit information of request, needs It to be remarked additionally, the format of the credit information in the present embodiment is not construed as limiting, such as can be picture format either text Shelves format, when credit information is non-document format, server needs the credit information to non-document format to format, For example, the credit information of picture format to be carried out to the identification of credit information, the credit information of document format is based on credit to realize The data of information import.
Step S20 creates the corresponding data directory of the credit information, and will be divided into public word in the credit information Segment information and privately owned field information.
After credit information acquisition, server creates the corresponding data directory of the credit information, in the present embodiment Data directory is to quickly search credit information and create, thus data directory can be arranged according to actual needs, such as set It is set to user identifier.
After data directory creation is completed, server will be divided into public field information and privately owned in the credit information Field information can need that public field is arranged in the present embodiment according to data query, e.g., public field is arranged are as follows: account The information such as family number, contract number, customer name, type of service, interest rate, then, server will in credit information except common field it For outer credit information as privately owned field information, privately owned field information refers to some be of little use or special record.
By the corresponding data directory of creation credit information in the present embodiment, the quick search of credit information may be implemented, It will be divided into public field information and privately owned field information in credit information simultaneously, is saved with carrying out the classification of credit information, it is real Existing information unification management.
The data directory and the public field information are added in default universal list by step S30, and will be described Data directory is associated with the attached label comprising the privately owned field information.
In the present embodiment, step S30 credit information import the step of, specifically include:
The data directory is added in default universal list by step a, and obtains the information of the public field information The information type is compared type with each field item in default universal list;
Step b, obtain with the matched aiming field item of the information type, and by the field in the public field information Value is added to the aiming field item corresponding position;
Step c, when detecting that public field information addition is completed, sky that the privately owned field information is added to In white label, and using the blank tag comprising the privately owned field information as attached label;
The data directory and the attached label comprising the privately owned field information are associated, with complete by step d At the importing of the credit information.
For example, credit information includes public field information, and e.g., mortgage loan contract number 120xxx, customer name: Lee xx Etc.;With privately owned field information: guaranty information, server obtain the data directory of creation: number xxx mortgage loan first, Server is using the data directory of creation as the row label of default universal list, and server is by mortgage loan contract number and client's surname Name is used as public field information, and server obtains the information type of the public field information, and by the information type and in advance If each field item in universal list is compared, the matched aiming field item of information type is obtained, for example, mortgage loan contract Contract number (aiming field item) in number (information type) corresponding default universal list;Customer name (information type) is corresponding pre- If the customer ID (aiming field item) in universal list.
Field value in the public field information is added to the aiming field item corresponding position by server, for example, It is number xxx mortgage loan that 120xxx is added to row label in default universal list by server, and column label is contract number Corresponding position, it is number xxx mortgage loan that Lee xx, which is added to row label in default universal list, and column label is user identifier Corresponding position, in the blank tag that guaranty information is added to by server as privately owned field information, and will include institute The blank tag of privately owned field information is stated as attached label;Server believes the data directory with comprising the privately owned field The attached label of breath is associated, to complete the importing of the credit information.Credit information is drawn in the present embodiment Point, and imported into default universal list, so as to the unified management of credit information.
Step S40 receives the data inquiry request that inquiry end is sent, obtains the target for including in the data inquiry request Data directory.
User trigger data inquiry request, server can receive the data query that inquiry end is sent and ask in inquiry end It asks, the target data index for including in the data inquiry request is obtained, so as to include in server based on data inquiry request Target data index, obtain target data in default universal list and index corresponding target credit information, specifically:
Step S50 inquires the default universal list, obtains the target data and indexes corresponding target credit information, And the target credit information is back to the inquiry end.
Server inquires the default universal list, obtains the target data and indexes corresponding target credit information, In, it include target public field information and the privately owned field information of target in the target credit information, server is by the mesh Mark credit information is back to the inquiry end.
Default universal list is preset in the present embodiment, is imported receiving the data based on credit information triggering When, credit information is divided into public field information and privately owned field information, and be automatically imported the credit information completed is divided Into default universal list, credit information unified management is realized, at the same time, in credit information inquiry, server only needs Inquire default universal list, so that it may corresponding credit information is got, so that credit information inquiry is more convenient.
Further, on the basis of first embodiment of the invention, the of credit information management method of the present invention is proposed Two embodiments.
The present embodiment is the refinement of step S10 in first embodiment, and the difference with first embodiment of the invention is, this reality The credit information applied in example is picture format, and the credit information management method includes:
Step S11 is received the data triggered based on credit picture and imports request, pre-processed to the credit picture, And extract the characteristic information in the credit picture after pretreatment.
The data that user is also based on credit picture (that is, picture format credit information) triggering in the present embodiment import request, For example, user takes pictures finance contract in the server of upload, trigger data import request, server to the credit picture into Row pretreatment, to reduce the garbage in credit image, facilitates subsequent processing.The pretreatment of credit picture includes usually having: Gray processing (if it is color image), noise reduction, binaryzation, character cutting and normalize these steps.Server is extracted through pre- Characteristic information after processing in the credit picture.It supports the credit information of picture format to import in the present embodiment, does not need to use Credit information is added at family manually, so that credit information export is more convenient.
The characteristic information is input to preset characters classifier by step S12, obtains character information, and by the character Information is post-processed, and is obtained the data and is imported the corresponding credit information of request.
Server by the characteristic information of extraction be input to preset characters classifier (set character preset characters classifier refer to it is pre- What is be first arranged is used to carry out the preset characters classifier of character information identification, it should be added that, in the step of the present embodiment Before rapid, it is also necessary to be trained to preset characters classifier, for example, using svm, neural network etc does not make in the present embodiment It repeats);Preset characters classifier just classifies to characteristic information, and determining this characteristic information, which text this is identified as, and obtains To corresponding character information.
Then, server post-processes obtained character information, and post-processing is for optimizing to character information , firstly, the classification of preset characters classifier be sometimes not necessarily it is right-on, due to the presence of nearly word form in Chinese character, It is easy to a word being identified as its nearly word form.It can go to solve this problem in post-processing.By credit picture in the present embodiment It is handled, the accuracy for the credit information that ensure that.
Further, on the basis of first embodiment, the third for proposing credit information management method of the present invention is implemented Example.
The present embodiment is the refinement of step S20 in first embodiment, according to the format of credit information in the present embodiment, is used Credit information is divided into public field information and privately owned field information by different data processing methods.Specifically:
Step S21 creates the corresponding data directory of the credit information, and obtains the text formatting of the credit information.
Server creates the corresponding data directory of the credit information, and obtains the text formatting of the credit information, this Without limitation, server determines that credit is believed according to the text formatting of credit information to the text formatting of credit information in embodiment Cease the method for being divided into public field information and privately owned field information.
Step S22, when the text formatting is standardized structural, by the of predetermined position in the standardized structural One credit information believes the credit information in addition to first credit information as privately owned field as public field information Breath.
That is, standardized structural is pre-set in the present embodiment, and when the text formatting is standardized structural, server Using the first credit information of predetermined position in the standardized structural as public field information, will believe except first credit Credit information except breath is as privately owned field information.For example, server does not need when credit information is standardized credit contract Carry out Text region comparison, so that it may realize the division of public field information and privately owned field information, that is, in standardized structural Mark in finance contract: Digital Contract Signature position, contract number position, contract type are predeterminated position, and server is by predeterminated position First credit information at place is as public field information, using the credit information in addition to first credit information as privately owned word Segment information.
The processing method of standardized credit information it has been related in the present embodiment, has reduced credit information treating capacity, has improved Credit information treatment effeciency.
The credit information is pressed default participle method and carried out by step S23 when the text formatting is nonstandardized technique structure Word segmentation processing obtains the corresponding keyword of the credit information;Acquisition and the matched target keywords of default public field, and will The target keywords believe the keyword in addition to the target keywords as privately owned field as public field information Breath.
When the text formatting is nonstandardized technique structure, the credit information is pressed default participle method and (preset by server Participle method refers to the pre-set algorithm that a chinese character sequence is cut into individual word one by one) word segmentation processing is carried out, it obtains Set of keywords is aggregated to form to the corresponding keyword of the credit information, and by each keyword;Forming set of keywords Later, by keyword each in set of keywords, (default public field refers to pre-set server with default public field Public field, for example, user identifier) it is compared, server obtains and the matched target keywords of default public field, and will The target keywords believe the keyword in addition to the target keywords as privately owned field as public field information Breath.The method compared in the present embodiment by participle, will be divided into public field information and privately owned word in the credit information Segment information, so that credit information division is more flexible.
Further, on the basis of the above embodiments, propose credit information management method of the present invention the 4th implements Example, the present embodiment is the refinement of step S40 in first embodiment, specifically:
Step S41 receives the data inquiry request that inquiry end is sent, according to the permission for including in data query instruction It identifies and the search access right at the inquiry end is verified;
In the present embodiment, it is contemplated that the credit information in default universal list may be private, therefore settable right The search access right answered, non-public data are carried out with certain protection.Specifically, inquiry end is sending data query to server When request, corresponding search access right mark can be added in the data inquiry request.Server refers to receiving the data query When enabling, is verified according to search access right of the capability identification to inquiry end, judge whether the inquiry end is qualified and counted It is investigated that asking.When the search access right is unverified, refusal is executed inquiry transaction by server at this time, and is returned to the inquiry end It is corresponding to have no right limit information;When the search access right passes through verifying,
Step S42 is obtained in the data inquiry request when the search access right at the inquiry end passes through verifying and is included Target data index
In the present embodiment, when the search access right at the inquiry end passes through verifying, server will determine that the inquiry end has The qualification of data query, at this point, server obtains the target data index for including in inquiry request;It is looked into carrying out credit information It askes, in the present embodiment when server receives data query instruction, judges to inquire whether end has data query permission.It is real Now to the protection of credit information.
Further, on the basis of the above embodiments, propose credit information management method of the present invention the 5th implements Example.
The present embodiment be in first embodiment after step S10 the step of, get in the present embodiment credit information it Afterwards, it needs to verify the true and false of credit information, the credit information management method includes:
Step S60 obtains the credit mark of the credit information, inquires default credit database, obtain the credit mark Know corresponding standard credit information.
In the present embodiment, in order to avoid data import request corresponding credit information be it is false, guarantee credit information Authenticity, for server before credit information importing, server needs to carry out credit information authenticity verification, i.e. server obtains institute The credit mark for stating credit information, inquires default credit database, wherein the default credit database in the present embodiment refers to pre- The standard credit information database being first arranged, for example, the database of each bank, server obtains institute from default credit database State credit and identify corresponding standard credit information, and the credit information is compared with the standard credit information, with into Row credit information authenticity verification, specifically:
Step S70 generates prompt information, when the credit information and the standard credit information mismatch with prompt The inaccuracy of credit information described in user;
When the credit information and the standard credit information mismatch, that is, data, which import, requests corresponding credit letter Breath is false, server generation prompt information, to prompt credit information described in user inaccurate;In the credit information and institute When stating the matching of standard credit information, server executes step S20 in first embodiment: creating the corresponding data of the credit information Index, and the step of by public field information and privately owned field information is divided into the credit information.
The true and false of credit information is verified in the present embodiment, it is default to prevent from for false credit information importeding into Universal list effectively guarantees the authenticity of credit information.
Further, on the basis of the above embodiments, propose credit information management method of the present invention the 6th implements Example.
The present embodiment be in first embodiment after step S20 the step of, in the present embodiment credit information occur more When new, automatically updating for credit information can be carried out.The credit information management method includes:
Step S80 establishes the incidence relation between the credit information and the default universal list;
The update of credit information is considered in this implementation, that is, imported into credit information in default universal list early period also The case where being likely to occur Status Change, for example, including micro-credit information in default universal list, the length of maturity is 2018 When on November 2nd, 2018, there is overdue situation of refunding November 11 day to 2018 May, server needs general to presetting Information in list is updated, and specifically, server establishes the credit information and presets general column with described in the present embodiment Incidence relation between table, with when credit information updates, realize the correspondence credit information in default universal list it is automatic more Newly.
Step S90, when public field information update in the credit information, by pre- described in the update of incidence relation If universal list;When privately owned field information in the credit information updates, marked by being added described in the update of incidence relation Label.
When public field information update in the credit information, server is preset as described in the update of incidence relation Universal list;When privately owned field information in the credit information updates, by attached label described in the update of incidence relation; The credit information in default universal list can be automatically updated in the present embodiment, to guarantee to believe in default universal list Borrow the real-time of information.
In addition, the embodiment of the present invention also proposes a kind of credit information managing device, the credit information management referring to Fig. 3 Device includes:
First receiving module 10 imports request for receiving data, obtains the data and imports the corresponding credit letter of request Breath;
Information division module 20, for creating the corresponding data directory of the credit information, and will be in the credit information It is divided into public field information and privately owned field information;
Information import modul 30, for the data directory and the public field information to be added to default universal list In, and the data directory and the attached label comprising the privately owned field information are associated;
Second receiving module 40 receives the data inquiry request that inquiry end is sent, obtains and wrap in the data inquiry request The target data index contained;
Data inquiry module 50 obtains the target data and indexes corresponding mesh for inquiring the default universal list Credit information is marked, and the target credit information is back to the inquiry end.
Optionally, first receiving module 10, comprising:
Receive processing unit, for receives based on credit picture triggering data import request, to the credit picture into Row pretreatment, and extract the characteristic information in the credit picture after pretreatment;
Information process unit obtains character information, and will for the characteristic information to be input to preset characters classifier The character information is post-processed, and is obtained the data and is imported the corresponding credit information of request.
Optionally, the information division module 20, comprising:
Creating unit for creating the corresponding data directory of the credit information, and obtains the text of the credit information Format;
First division unit, for will be preset in the standardized structural when the text formatting is standardized structural The first credit information at position is as public field information, using the credit information in addition to first credit information as private There is field information;
Second division unit, for the credit information being pressed default when the text formatting is nonstandardized technique structure Participle method carries out word segmentation processing, obtains the corresponding keyword of the credit information;It obtains and the matched target of default public field Keyword, and using the target keywords as public field information, by the keyword in addition to the target keywords, as Privately owned field information.
Optionally, the information import modul 30, comprising:
Comparing unit is added, for the data directory to be added in default universal list, and obtains the public word The information type is compared the information type of segment information with each field item in default universal list;
Adding unit, for obtain with the matched aiming field item of the information type, and by the public field information In field value be added to the aiming field item corresponding position;
Label forms unit, for when detecting that the public field information addition is completed, the privately owned field to be believed It ceases in the blank tag being added to, and using the blank tag comprising the privately owned field information as attached label;
Be associated with import unit, for by the data directory and the attached label comprising the privately owned field information into Row association, to complete the importing of the credit information.
Optionally, the credit information managing device, comprising:
Enquiry module is obtained, the credit for obtaining the credit information identifies, and inquires default credit database, obtains institute It states credit and identifies corresponding standard credit information;
Nformation alert module, for generating prompt letter when the credit information and the standard credit information mismatch Breath, to prompt credit information described in user inaccurate;
When the credit information is matched with the standard credit information, recalls information division module 20: creation institute is executed It states the corresponding data directory of credit information, and public field information and privately owned field information will be divided into the credit information Step.
Optionally, second receiving module 40, comprising:
Authentication unit is received, the data inquiry request sent for receiving inquiry end, according in data query instruction Including capability identification to it is described inquiry end search access right verify;
Acquiring unit is verified, for the data query being obtained and being asked when the search access right at the inquiry end passes through verifying The target data index for including in asking.
Optionally, the credit information managing device, comprising:
Module is established in association, the incidence relation for establishing between the credit information and the default universal list;
First update module, when for public field information update in the credit information, by the incidence relation Update the default universal list;
Second update module, when being updated for the privately owned field information in the credit information, by the incidence relation Update the attached label.
Wherein, the step of each Implement of Function Module of credit information managing device can refer to credit information management of the present invention Each embodiment of method, details are not described herein again.
In addition, the embodiment of the present invention also proposes a kind of computer storage medium.
Computer program, the realization when computer program is executed by processor are stored in the computer storage medium Operation in credit information management method provided by the above embodiment.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality Body/operation/object is distinguished with another entity/operation/object, without necessarily requiring or implying these entity/operations/ There are any actual relationship or orders between object;The terms "include", "comprise" or its any other variant meaning Covering non-exclusive inclusion, so that the process, method, article or the system that include a series of elements not only include that A little elements, but also including other elements that are not explicitly listed, or further include for this process, method, article or The intrinsic element of system.In the absence of more restrictions, the element limited by sentence "including a ...", is not arranged Except there is also other identical elements in process, method, article or the system for including the element.
For device embodiment, since it is substantially similar to the method embodiment, related so describing fairly simple Place illustrates referring to the part of embodiment of the method.The apparatus embodiments described above are merely exemplary, wherein making It may or may not be physically separated for the unit of separate part description.In can selecting according to the actual needs Some or all of the modules realize the purpose of the present invention program.Those of ordinary skill in the art are not making the creative labor In the case where, it can it understands and implements.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art The part contributed out can be embodied in the form of software products, which is stored in one as described above In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone, Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills Art field, is included within the scope of the present invention.

Claims (10)

1. a kind of credit information management method, which is characterized in that the credit information management method the following steps are included:
It receives data and imports request, obtain the data and import the corresponding credit information of request;
The corresponding data directory of the credit information is created, and public field information and privately owned will be divided into the credit information Field information;
The data directory and the public field information are added in default universal list, and by the data directory and wrapped Attached label containing the privately owned field information is associated;
The data inquiry request that inquiry end is sent is received, the target data index for including in the data inquiry request is obtained;
The default universal list is inquired, the target data is obtained and indexes corresponding target credit information, and by the target Credit information is back to the inquiry end, wherein includes target public field information and target in the target credit information Privately owned field information.
2. credit information management method as described in claim 1, which is characterized in that the reception data import request, obtain The data import the step of requesting corresponding credit information, comprising:
It receives the data triggered based on credit picture and imports request, the credit picture is pre-processed, and extract and located in advance Characteristic information after reason in the credit picture;
The characteristic information is input to preset characters classifier, obtains character information, and will be after character information progress Reason obtains the data and imports the corresponding credit information of request.
3. credit information management method as described in claim 1, which is characterized in that the creation credit information is corresponding Data directory, and the step of by public field information and privately owned field information is divided into the credit information, comprising:
The corresponding data directory of the credit information is created, and obtains the text formatting of the credit information;
When the text formatting is standardized structural, the first credit information of predetermined position in the standardized structural is made For public field information, using the credit information in addition to first credit information as privately owned field information;
When the text formatting is nonstandardized technique structure, the credit information is pressed into default participle method and carries out word segmentation processing, is obtained To the corresponding keyword of the credit information, acquisition and the matched target keywords of default public field, and the target is closed Key word is as public field information, by the keyword in addition to the target keywords, as privately owned field information.
4. credit information management method as described in claim 1, which is characterized in that described by the data directory and the public affairs Field information is added in default universal list altogether, and by the data directory and the additional mark comprising the privately owned field information The step of label are associated, comprising:
The data directory is added in default universal list, and obtains the information type of the public field information, by institute Information type is stated to be compared with each field item in default universal list;
Acquisition and the matched aiming field item of the information type, and the field value in the public field information is added to institute State aiming field item corresponding position;
When detecting that public field information addition is completed, in blank tag that the privately owned field information is added to, And using the blank tag comprising the privately owned field information as attached label;
The data directory and the attached label comprising the privately owned field information are associated, to complete the credit The importing of information.
5. credit information management method as described in claim 1, which is characterized in that the reception data import request, obtain The data imported after the step of requesting corresponding credit information, comprising:
The credit mark for obtaining the credit information, inquires default credit database, obtains the credit and identifies corresponding standard Credit information;
When the credit information and the standard credit information mismatch, prompt information is generated, to prompt credit described in user Information inaccuracy;
When the credit information is matched with the standard credit information, executes and create the corresponding data rope of the credit information Draw, and the step of by public field information and privately owned field information is divided into the credit information.
6. credit information management method as described in claim 1, which is characterized in that the data for receiving the transmission of inquiry end are looked into The step of asking request, obtaining the target data index for including in the data inquiry request, comprising:
The data inquiry request that inquiry end is sent is received, is looked into according to the capability identification for including in data query instruction described The search access right for asking end is verified;
When the search access right at the inquiry end passes through verifying, the target data rope for including in the data inquiry request is obtained Draw.
7. credit information management method as described in claim 1, which is characterized in that described by the data directory and the public affairs Field information is added in default universal list altogether, and by the data directory and the additional mark comprising the privately owned field information After the step of label are associated, comprising:
Establish the incidence relation between the credit information and the default universal list;
When public field information update in the credit information, by presetting universal list described in the update of incidence relation;
When privately owned field information in the credit information updates, by attached label described in the update of incidence relation.
8. a kind of credit information managing device, which is characterized in that the credit information managing device includes:
First receiving module imports request for receiving data, obtains the data and imports the corresponding credit information of request;
Information division module for creating the corresponding data directory of the credit information, and will be divided into the credit information Public field information and privately owned field information;
Information import modul, for the data directory and the public field information to be added in default universal list, and The data directory and the attached label comprising the privately owned field information are associated;
Second receiving module receives the data inquiry request that inquiry end is sent, obtains the mesh for including in the data inquiry request Mark data directory;
Data inquiry module obtains the target data and indexes corresponding target credit for inquiring the default universal list Information, and the target credit information is back to the inquiry end.
9. a kind of credit information management equipment, which is characterized in that the credit information management equipment includes: memory, processor And it is stored in the computer program that can be run on the memory and on the processor, in which:
The credit information as described in any one of claims 1 to 7 is realized when the computer program is executed by the processor The step of management method.
10. a kind of computer storage medium, which is characterized in that be stored with computer program, institute in the computer storage medium It states realizing the credit information management method as described in any one of claims 1 to 7 when computer program is executed by processor Step.
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