CN109767139A - Based on natural person's credit algorithm from media interaction - Google Patents
Based on natural person's credit algorithm from media interaction Download PDFInfo
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- CN109767139A CN109767139A CN201910095077.4A CN201910095077A CN109767139A CN 109767139 A CN109767139 A CN 109767139A CN 201910095077 A CN201910095077 A CN 201910095077A CN 109767139 A CN109767139 A CN 109767139A
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Abstract
The present invention relates to personal credit technical fields, and disclose based on natural person's credit algorithm from media interaction, comprising the following steps: 1) client logs in, and natural person is logged in by the end PC or mobile phone terminal；2) information registration and typing, personal credit recording module carry out the registration of natural person's credit information and include；3) information stores, and the credit information included is transferred to personal credit memory module by personal credit recording module.This is based on natural person's credit algorithm from media interaction, by the way that client is arranged, natural person logs in platform by client, the admission of the identity information of natural person is carried out by personal credit recording module booster action, it is final to obtain personal accurate information, and personal credit memory module extracts storage information from personal credit recording module, then into personal credit information processing system excessively according to credit rating system, finally obtain the credit information of natural person, the page that information is transferred to natural person's reading is extracted by personal credit information output module again, symbiosis is reached, common recognition, the advantage created and shared.
Description
Technical field
The present invention relates to personal credit technical field, specially a kind of natural person's credit algorithm based on from media interaction.
Background technique
As the continuous development and individual of Chinese Financial Industry increase with what interbank debt-credit was come and gone, " personal credit " word is
It is increasingly appearing in the economic life of people, it will be appreciated that this word, it will be appreciated that, credit rating system is a first
People's credit system is the important component of China Telecom's system, is the credits institutions conduct personal consumption such as business bank letter
The basis of loan business, precisely, " personal credit " should be referred to as " historical record of personal credit " or " personal credit record ",
It refers to people in same cash in bank, and in bank loan and the record of refund behavior, it, which is that bank's decision hope is no, borrows money, borrows money
How many and time limit length of borrowing money one of important evidence.
Current natural person not and understands credit rating system, and personal credit line is usually to be awarded by individual's participation
Believe the activities such as mechanism or financial investment, just recognize personal credit information, such information transmits relative closure, natural person
The economic benefit of personal credit information and credit line is not known about, we have proposed be based on from media to solve the above-mentioned problems
Interactive natural person's credit algorithm.
Summary of the invention
(1) the technical issues of solving
In view of the deficiencies of the prior art, the present invention provides based on natural person's credit algorithm from media interaction, have altogether
The advantages that giving birth to, know together, create and sharing solves current natural person and not and understands credit rating system, and personal
Credit line is usually to participate in the activities such as credit mechanism or financial investment by individual, just recognizes personal credit information, this
The problem of information of sample transmits relative closure, and natural person does not know about the economic benefit of personal credit information and credit line.
(2) technical solution
To realize above-mentioned symbiosis, knowing together, create and share purpose, the invention provides the following technical scheme: being based on from matchmaker
Natural person's credit algorithm of body interaction, comprising the following steps:
1) client logs in, and natural person is logged in by the end PC or mobile phone terminal；
2) information registration and typing, personal credit recording module carry out the registration of natural person's credit information and include；
3) information stores, and the credit information included is transferred to personal credit memory module by personal credit recording module；
4) credit information is handled, and personal credit information processing system corresponds to natural person's credit value from personal credit memory module
Scoring criteria be acquired data and to data arrangement, calculate the credit line of natural person；
5) credit information exports, and it is defeated by personal credit information that personal credit information processing system will calculate the numerical value completed
Module is output to the interface of natural person's browsing out.
Preferably, the client is logged in is logged in using authentication, and is logged in by personal credit recording module auxiliary.
Preferably, the personal credit recording module includes memory module, credit information includes module and screening compares mould
Block, the credit information are included module and are included from credit information of each certification authority to natural person, the memory module
It is stored by the relevant credit of natural person's registration and from the credit information that each certification authority includes, the screening comparison
Module is compared and is screened with the information included to the information of registration.
Preferably, the personal credit memory module includes basic database and encrypting database, the basic database
The data of storage are directly published in browsing platform and browse for people, and the data of the encrypting database carry out processing of raising the price, related
Personnel and natural person, which carry out identity information verifying, can just inquire.
Preferably, the personal credit information processing system includes central processing unit, memory module, arrangement module, analysis
Module and authority module, the personal credit memory module transfer information to arrangement module, and the arrangement module is by arrangement
Data are transferred to central processing unit and carry out processing operation, and the analysis module absorbs the relevant information of natural person to central processing unit
Operational data carry out assistant analysis and verification, the memory module and store the natural person's credit line to generate,
And the scoring criteria of natural person's credit value can understand in net value APP, and people is allowed preferably to recognize credit value.
Preferably, the personal credit information processing system is stepped on by personal credit information output module to by client
The natural person of record exports personal credit information, and the information of the personal credit information output module transmission is transmission of raising the price.
(3) beneficial effect
Compared with prior art, the present invention provides based on natural person's credit algorithm from media interaction, having following has
Beneficial effect:
1, should be based on natural person's credit algorithm from media interaction, by the way that client is arranged, natural person is stepped on by client
Platform is recorded, user, convenient for users to checking platform, can pass through personal credit recording module by mobile phone and the end PC connecting platform
Booster action carries out the admission of the identity information of natural person, and personal credit recording module will be recorded on the internet by platform
Natural person's information enroll, screening comparison is carried out to the information that natural person registers by screening contrast module, it is final to obtain
The accurate information of people, then stores information into memory module, and personal credit memory module is mentioned from personal credit recording module
Storage information is taken, information a part of extraction is arrived basic database by storage, another part adds by raising the price to be stored into
Ciphertext data library, and the netizen that basic database can be supplied to browsing inquires and browses, and encrypting database must pass through letter
Breath verifying can just be inquired, and improve the safety of information storage in this way, then into personal credit information processing system excessively according to a
The reference standards operation such as economic situation, personal stable case, guarantee support and personal background, believes in conjunction with individual in people's credit system
Personal multidate information is carried out in internet with information processing system and carries out budget, finally obtains the credit information of natural person, so
Credit information is stored into memory module afterwards, then information is extracted by personal credit information output module and is transferred to natural person's reading
The page, the advantage for having reached symbiosis, having known together, create and sharing.
2, should be based on natural person's credit algorithm from media interaction, by the way that personal credit recording module is arranged, natural person exists
When logging in platform by client, the registration of personal information can be regularly carried out, and information is included by internet again, with
Guarantee the real-time of information, and the information included again is transferred to personal credit information processing system, recalculates, by update
Data are stored, then the interface of personal login is transferred to by personal credit information output module, and personal credit typing mould
The data that block and personal credit information processing system update can't directly override previous data, but storage to storage mould
In block, when natural person can more intuitively understand the case where variation when inquiring data, and other people is allowed to understand the change of data
Dynamic, the influence to personal credit information has achieved the purpose that sincere and mutual assistance.
Specific embodiment
Below in conjunction with the embodiment of the present invention, technical solution in the embodiment of the present invention is clearly and completely retouched
It states, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Based on the present invention
In embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Embodiment one: based on natural person's credit algorithm from media interaction, comprising the following steps:
1) client logs in, and natural person is logged in by the end PC or mobile phone terminal；
2) information registration and typing, personal credit recording module carry out the registration of natural person's credit information and include；
3) information stores, and the credit information included is transferred to personal credit memory module by personal credit recording module；
4) credit information is handled, and personal credit information processing system corresponds to natural person's credit value from personal credit memory module
Scoring criteria be acquired data and to data arrangement, calculate the credit line of natural person；
5) credit information exports, and it is defeated by personal credit information that personal credit information processing system will calculate the numerical value completed
Module is output to the interface of natural person's browsing out.
Client is connect with personal credit recording module by signal in step 1, personal credit recording module and personal letter
It is connected with memory module by signal, personal credit memory module is connect with personal credit information processing system by signal, a
People's credit information processing system is connect with personal credit information output module by signal, personal credit information output module and visitor
Family end is connected by signal.
Client is logged in be logged in using authentication, and client and personal credit recording module auxiliary log in.
Personal credit recording module includes that memory module, credit information include module and screening contrast module, credit information
It includes module to include from credit information of each certification authority to natural person, the related letter that memory module registers natural person
It is stored with information and from the credit information that each certification authority includes, screening contrast module is to the information of registration and includes
Information is compared and is screened.
Personal credit memory module includes basic database and encrypting database, and the data of basic database storage are directly public
Cloth is browsed in browsing platform for people, and the data of encrypting database carry out processing of raising the price, and related personnel and natural person carry out identity
Information Authentication can just be inquired.
Personal credit information processing system includes central processing unit, memory module, arrangement module, analysis module and permission mould
Block, personal credit memory module transfer information to arrangement module, arrange module for the data of arrangement and are transferred to central processing unit
Carry out processing operation, analysis module absorb the relevant information of natural person to the operational data of central processing unit carry out assistant analysis and
It verifies, memory module stores the natural person's credit line to generate, and the scoring criteria of natural person's credit value can be with
Understood in net value APP, people is allowed preferably to recognize credit value.
Personal credit information processing system is by personal credit information output module to the natural person logged in by client
Personal credit information is exported, the information of personal credit information output module transmission is transmission of raising the price.
The beneficial effects of the present invention are: should be based on natural person's credit algorithm from media interaction, by the way that client is arranged, certainly
Right people logs in platform by client, and user can be passed through by mobile phone and the end PC connecting platform convenient for users to checking platform
Personal credit recording module booster action carries out the admission of the identity information of natural person, and personal credit recording module passes through platform
The natural person's information of record on the internet is enrolled, is screened by the information that screening contrast module registers natural person
Comparison, it is final to obtain personal accurate information, then store information into memory module, and personal credit memory module is from individual
Credit recording module extracts storage information, information a part of extraction is arrived basic database by storage, another part is logical
It crosses to raise the price and is stored into encrypting database, and the netizen that basic database can be supplied to browsing inquires and browses, and encrypt number
It must can just be inquired by Information Authentication according to library, improve the safety of information storage in this way, then into personal credit information excessively
Processing system is according to the reference standards such as economic situation, personal stable case, guarantee support and personal background in credit rating system
Operation carries out personal multidate information in internet in conjunction with personal credit information processing system and carries out budget, finally obtains nature
Credit information, is then stored into memory module by the credit information of people, then extracts information by personal credit information output module
It is transferred to the page of natural person's reading, the advantage for having reached symbiosis, having known together, create and sharing is recorded by setting personal credit
Enter module, natural person can regularly carry out the registration of personal information when logging in platform by client, and pass through internet
Again information is included, to guarantee the real-time of information, and the information included again is transferred to personal credit information processing system, weight
It is new to calculate, the data of update are stored, then the interface of personal login is transferred to by personal credit information output module, and
The data that personal credit recording module and personal credit information processing system update can't directly override previous data, and
It is storage in memory module, when natural person can more intuitively understand the case where variation when inquiring data, and allows other people
The variation for understanding data, the influence to personal credit information have achieved the purpose that sincere and mutual assistance, have solved current natural person
Not and understand credit rating system, and personal credit line is usually to participate in credit mechanism or financial investment etc. by individual
Personal credit information is just recognized in activity, and such information transmits relative closure, and natural person does not know about personal credit information
The problem of with the economic benefit of credit line.
It although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with
A variety of variations, modification, replacement can be carried out to these embodiments without departing from the principles and spirit of the present invention by understanding
And modification, the scope of the present invention is defined by the appended.
Claims (6)
1. based on natural person's credit algorithm from media interaction, which comprises the following steps:
1) client logs in, and natural person is logged in by the end PC or mobile phone terminal；
2) information registration and typing, personal credit recording module carry out the registration of natural person's credit information and include；
3) information stores, and the credit information included is transferred to personal credit memory module by personal credit recording module；
4) credit information is handled, and personal credit information processing system corresponds to the meter of natural person's credit value from personal credit memory module
Minute mark standard is acquired data and to data arrangement, calculates the credit line of natural person；
5) credit information exports, and personal credit information processing system exports mould by personal credit information for the numerical value completed is calculated
Block is output to the interface of natural person's browsing.
2. according to claim 1 based on natural person's credit algorithm from media interaction, it is characterised in that: the client is stepped on
Record is logged in using authentication, and is logged in by personal credit recording module auxiliary.
3. according to claim 1 based on natural person's credit algorithm from media interaction, it is characterised in that: the personal credit
Recording module includes that memory module, credit information include module and screening contrast module, and the credit information includes module from each
A certification authority includes the credit information of natural person, the relevant credit that the memory module registers natural person and
The credit information included from each certification authority is stored, and the contrast module of screening is to the information of registration and the information included
It compares and screens.
4. according to claim 1 based on natural person's credit algorithm from media interaction, it is characterised in that: the personal credit
Memory module includes basic database and encrypting database, and the data of the basic database storage are directly published in browsing platform
It is browsed for people, the data of the encrypting database carry out processing of raising the price, and related personnel and natural person carry out identity information verifying
It can just inquire.
5. according to claim 1 based on natural person's credit algorithm from media interaction, it is characterised in that: the personal credit
Information processing system includes central processing unit, memory module, arrangement module, analysis module and authority module, the personal credit
Memory module transfers information to arrangement module, and the data of arrangement are transferred to central processing unit and handled by the arrangement module
Operation, the analysis module absorb the relevant information of natural person and carry out assistant analysis and core to the operational data of central processing unit
Real, the memory module stores the natural person's credit line to generate, and the scoring criteria of natural person's credit value can
To be understood in net value APP, people is allowed preferably to recognize credit value.
6. according to claim 1 based on natural person's credit algorithm from media interaction, it is characterised in that: the personal credit
Information processing system exports personal credit information to the natural person logged in by client by personal credit information output module,
The information of the personal credit information output module transmission is transmission of raising the price.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201910095077.4A CN109767139A (en) | 2019-01-31 | 2019-01-31 | Based on natural person's credit algorithm from media interaction |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910095077.4A CN109767139A (en) | 2019-01-31 | 2019-01-31 | Based on natural person's credit algorithm from media interaction |
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| Publication Number | Publication Date |
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| CN109767139A true CN109767139A (en) | 2019-05-17 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201910095077.4A Pending CN109767139A (en) | 2019-01-31 | 2019-01-31 | Based on natural person's credit algorithm from media interaction |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110222997A (en) * | 2019-06-14 | 2019-09-10 | 山东浪潮商用系统有限公司 | A kind of enterprise does tax personnel credit assessment method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1746920A (en) * | 2004-09-10 | 2006-03-15 | 鹏元资信评估有限公司 | Personnel credit system |
| CN101727645A (en) * | 2008-10-23 | 2010-06-09 | 多友科技（北京）有限公司 | Personal credit checking system and method |
| CN106447434A (en) * | 2016-09-14 | 2017-02-22 | 全联征信有限公司 | Personal credit ecological platform |
| CN108648368A (en) * | 2018-03-19 | 2018-10-12 | 南京市信息中心 | A kind of common credit information shared system |
-
2019
- 2019-01-31 CN CN201910095077.4A patent/CN109767139A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1746920A (en) * | 2004-09-10 | 2006-03-15 | 鹏元资信评估有限公司 | Personnel credit system |
| CN101727645A (en) * | 2008-10-23 | 2010-06-09 | 多友科技（北京）有限公司 | Personal credit checking system and method |
| CN106447434A (en) * | 2016-09-14 | 2017-02-22 | 全联征信有限公司 | Personal credit ecological platform |
| CN108648368A (en) * | 2018-03-19 | 2018-10-12 | 南京市信息中心 | A kind of common credit information shared system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110222997A (en) * | 2019-06-14 | 2019-09-10 | 山东浪潮商用系统有限公司 | A kind of enterprise does tax personnel credit assessment method and system |
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Application publication date: 20190517 |