CN109800363A - Construct method, apparatus, equipment and the storage medium of standing relational network - Google Patents

Abstract

The invention discloses method, apparatus, equipment and the storage mediums of building standing relational network, and method includes: to judge whether to receive application from the user；If receiving application from the user, sharing corresponding to the user is generated according to the application and is linked；Wherein, described to share link including power-assisted two dimensional code and the power-assisted rule for prompting user；Detect whether the power-assisted two dimensional code is successfully scanned；If the power-assisted two dimensional code is successfully scanned, the information of multiple target users of power-assisted two dimensional code described in successful scan is obtained in real time；And the standing relational network of user described in the information architecture using acquired multiple target users.With active collection and the standing relational network of user can be established by implementing this programme, utilize established standing relationship network that can make more scientific analytical judgment to user's loan application, be advantageously implemented the purpose of risk management and control.

Description

Method, device, device and storage medium for constructing credit relationship network

technical field

The present invention relates to the technical field of social relationship networks, in particular to a method, device, device and storage medium for constructing a credit relationship network.

Background technique

With the rapid development of my country's economy, my country's consumer finance credit industry and the personal credit score evaluation service of credit institutions have developed rapidly and vigorously. The personal credit industry and personal credit risk evaluation service industry have become the In the hot spot of financial market competition, all financial institutions regard the development of consumer loans as an important part of their development strategies, and the main risk they face in the course of their operations is credit risk. For example, various financial institutions suffer a large amount of capital loss every year due to lending to users with low credit and low repayment ability. Therefore, when my country's financial institutions carry out consumer credit business, most of the processes are to grant credit to the borrower before each loan occurs, and to make loans within the scope of the credit line, and to ensure that the user has sufficient ability to repay the loan. When a financial institution grants credit to a borrower, it must analyze and judge the borrower's credit level. Among them, the borrower's credit level can be analyzed and evaluated through the credit relationship network of the borrower in the credit system established by the financial institution. make relevant judgments. At present, the establishment of the borrower's credit relationship network in the credit system is mainly based on the contact information actively submitted by the borrower, that is, the borrower's relationship network mainly relies on the borrower's active input of contacts in the client's application program. Information is established, wherein the contact information mainly includes the name and mobile phone number of the contact. This passive way of building the credit relationship network of the borrower has the following three defects. First, the relationship network built by relying on the contact information manually input by the user is relatively simple; second, it relies on the authenticity of the contact information manually input by the user. Sex cannot be guaranteed; thirdly, since the contact information needs to be actively entered by the user on the client side of the application, the number of entries is limited, generally no more than three contacts.

SUMMARY OF THE INVENTION

The embodiments of the present invention provide a method, apparatus, device and storage medium for constructing a credit relationship network, so as to facilitate the establishment of a user's credit relationship network quickly and conveniently.

In a first aspect, an embodiment of the present invention provides a method for constructing a credit relationship network, comprising:

Determine whether an application from the user is received;

If an application from a user is received, a sharing link corresponding to the user is generated according to the application; wherein, the sharing link includes a booster QR code and a booster rule for prompting the user; the booster QR code includes user ID information ; The assisting rule is a rule for increasing the credit value of the user according to the number of successful assisting persons after the user shares the two-dimensional code;

Detecting whether the booster QR code has been successfully scanned;

If the assistance QR code is successfully scanned, obtain information of multiple target users who successfully scanned the assistance QR code in real time; and

A credit relationship network of the user is constructed by using the obtained information of multiple target users; wherein, the credit relationship network is a social relationship network graph of the user and the multiple target users.

In a second aspect, an embodiment of the present invention also provides a device for constructing a credit relationship network, comprising:

a first judging unit for judging whether an application from a user is received;

The first generating unit is configured to generate a sharing link corresponding to the user according to the application if an application from the user is received; wherein, the sharing link includes a boosting QR code and a boosting rule for prompting the user; the boosting The two-dimensional code includes user ID information; the assisting rule is a rule corresponding to increasing the credit value of the user according to the number of people who successfully assist the user after sharing the two-dimensional code;

a first detection unit, configured to detect whether the booster two-dimensional code is successfully scanned;

a first acquiring unit, configured to acquire, in real time, the information of multiple target users who have successfully scanned the assistance two-dimensional code if the assistance two-dimensional code is successfully scanned; and

The first construction unit is configured to use the acquired information of multiple target users to construct a credit relationship network of the user; wherein, the credit relationship network is a social relationship network diagram of the user and the multiple target users.

In a third aspect, an embodiment of the present invention further provides a computer device, the computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the first aspect when executing the computer program Methods.

In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and the computer program includes program instructions that, when executed by a processor, can A method of implementing the above-mentioned first aspect.

Embodiments of the present invention provide a method, apparatus, device and storage medium for constructing a credit relationship network. The embodiment of the present invention can overcome the problem that the user needs to manually input the user's credit relationship network in the prior art, and the authenticity of the input contact information cannot be guaranteed. The information of friends in the user's social circle such as WeChat is collected, and the data source is authentic and reliable; and the sharing and promotion function of the application and the scanning authorization behavior of social friends are used to actively obtain the information of the user's multiple friends, which is convenient and fast. To establish the user's credit relationship network, without the need for the user to passively input contact information, it can actively collect and establish the user's credit relationship network. The amount of data of its contacts is unlimited, which can effectively enrich the user's credit relationship network and the user data of the credit system. , to make more scientific analysis and judgment on user loan applications, effectively reduce the risk of credit loans, and achieve the purpose of risk management and control.

Description of drawings

In order to explain the technical solutions of the embodiments of the present invention more clearly, the following briefly introduces the accompanying drawings used in the description of the embodiments. Obviously, the drawings in the following description are some embodiments of the present invention, which are of great significance to the art For those of ordinary skill, other drawings can also be obtained from these drawings without any creative effort.

1 is a schematic flowchart of a method for constructing a credit relationship network provided by an embodiment of the present invention;

2 is a schematic sub-flow diagram of a method for constructing a credit relationship network provided by an embodiment of the present invention;

3 is a schematic flowchart of a method for constructing a credit relationship network provided by another embodiment of the present invention;

4 is a schematic flowchart of a method for constructing a credit relationship network provided by another embodiment of the present invention;

5 is a schematic block diagram of an apparatus for constructing a credit relationship network according to an embodiment of the present invention;

6 is a schematic block diagram of a first construction unit of an apparatus for constructing a credit relationship network according to an embodiment of the present invention;

7 is a schematic block diagram of an apparatus for constructing a credit relationship network provided by another embodiment of the present invention;

FIG. 8 is a schematic block diagram of an apparatus for constructing a credit relationship network according to another embodiment of the present invention; and

FIG. 9 is a schematic block diagram of a computer device according to an embodiment of the present invention.

Detailed ways

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

It is to be understood that, when used in this specification and the appended claims, the terms "comprising" and "comprising" indicate the presence of the described features, integers, steps, operations, elements and/or components, but do not exclude one or The presence or addition of a number of other features, integers, steps, operations, elements, components, and/or sets thereof.

It is also to be understood that the terminology used in this specification of the present invention is for the purpose of describing particular embodiments only and is not intended to limit the present invention. As used in this specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural unless the context clearly dictates otherwise.

It should further be understood that, as used in this specification and the appended claims, the term "and/or" refers to and including any and all possible combinations of one or more of the associated listed items .

Please refer to FIG. 1 , which is a schematic flowchart of a method for constructing a credit relationship network according to an embodiment of the present invention. The method for constructing a credit relationship network may run in a terminal or a server, where the terminal may be an electronic device such as a smart phone, a tablet computer, a notebook computer, a desktop computer, and a personal digital assistant. The server can be an independent server or a server cluster composed of multiple servers. As shown in FIG. 1, the method may include steps S101 to S105.

S101. Determine whether an application from a user is received.

Wherein, the application includes a loan application and an appointment application. The loan application may be, for example, an application for financial loan products such as credit loan and consumer loan. 's application. Specifically, the user can enter the personal information related to the application on the relevant application or browser of the client, and click to submit the corresponding application request, that is, the relevant application or browser of the client receives the application from the user, and can It is determined that there is an application from the user. For example, the user fills in the application information for applying for a credit loan, a loan product, through a financial app installed on the client, and clicks to confirm the application.

S102. If an application from a user is received, generate a sharing link corresponding to the user according to the application.

Wherein, the sharing link includes an assisting QR code and an assisting rule for prompting the user; the assisting two-dimensional code includes user ID information; Rules for increasing the credit value of the user. Specifically, in this embodiment, when there is an application from a user, a sharing link uniquely corresponding to the user can be generated according to the application, wherein the sharing link includes a booster QR code containing the user's personal ID information and a Prompt the user's assistance rule, which is used to prompt the user to share the generated user-specific assistance QR code to the user's WeChat, QQ and other social circles by using the relevant application of the client or the share push function on the browser , and then friends in the user's social circles such as WeChat and QQ can click to identify the assisting QR code to increase credit value for the user. In one embodiment, friends in the user's WeChat, QQ and other social circles click to open Before recognizing the QR code, you can obtain the authorization of the friend's relevant permissions on social circles such as WeChat and QQ by prompting the friend whether to allow the application to obtain the relevant permissions on the social circles such as WeChat and QQ. You can get the personal information of each helper friend. Therefore, the user can actively share the unique sharing link corresponding to the user to his social circle such as WeChat, QQ, etc. Through the click of multiple friends of the user, the corresponding credit value can be obtained for the user, and the user's reputation in related products can be improved. The success rate of the application can also be used to build the user's credit relationship network by using the information of multiple friends obtained, and can further achieve the purposes of brand marketing, customer service, and customer acquisition in the Internet and social circles. Due to the development of social media represented by WeChat, most of the target users' attention has been attracted to social media. In the mobile Internet era, where the target users' attention is, the promotion and marketing channels are, and the promotion and marketing activities of enterprises tend to shift from offline to online. Therefore, we can take advantage of the power of the mobile Internet era. Obtain multiple friends of the user from social circles, build the user's credit relationship network, and then analyze the credit relationship network to give the user a corresponding credit evaluation, and use the credit evaluation to determine the user's credit rating. The purpose of providing users with corresponding products within the scope of the credit line may, for example, be to provide corresponding credit loans within the scope of the credit line.

In one embodiment, the assisting rule is a rule that the number of people who successfully assist the two-dimensional code and the corresponding credit value change in a positive gradient, specifically if the two-dimensional code is successfully shared with 3 friends with good credit , the credit value can be increased by 7 points for the user; if the QR code is successfully shared with 5 friends with good credit, the credit value can be increased by 9 points for the user; and so on, if the QR code is successfully shared with 7 friends with good credit friends, can add 11 points of credit value for the user; wherein, the upper limit of the credit value is 50 points.

S103. Detect whether the assistance two-dimensional code is successfully scanned.

Specifically, it can be known from the assistance two-dimensional code and assistance rules generated in step S102 that, in an embodiment, such as this embodiment, the user can choose to actively share the sharing link, and the generated user-specific assistance two-dimensional The QR code is shared to its WeChat, QQ and other social circles, so that friends in the user’s WeChat, QQ and other social circles can click to identify the QR code to increase the user’s credit value, thereby improving the user’s own credit value to increase all the success rate of the application. Therefore, it is necessary to detect whether the assisting two-dimensional code is successfully scanned. Among them, in one embodiment, before multiple friends on the user's WeChat, QQ and other social circles click to identify the assisting QR code, it is possible to prompt the friend whether to allow the application to obtain their information on WeChat, QQ and other social circles. to obtain the authorization of the friend’s relevant permissions on his WeChat, QQ and other social circles. When the user’s permission is detected, it is determined that the assistance QR code has been successfully scanned, and then the assistance QR code can be successfully scanned by obtaining each assistance friend’s permission. Authorization of relevant permissions on social circles such as WeChat and QQ can obtain the personal information of the multiple friends in real time.

S104. If the assistance two-dimensional code is successfully scanned, obtain information of multiple target users who successfully scanned the assistance two-dimensional code in real time.

Specifically, if it is detected that the assisting QR code has been successfully scanned, the authorization of the relevant permissions of the user's multiple friends on social circles such as WeChat and QQ can be obtained, and the user client can obtain the successful scanning of the assisting QR code in real time. The information of multiple target users of the two-dimensional code, the information is the personal information of the multiple target users. The personal information includes basic personal information such as mobile phone number, WeChat nickname, gender, and geographic location. For example, when user A shares his exclusive assistance QR code on his WeChat social circle, user A's friends, users B and C, open the QR code on their WeChat social circle, respectively, and start assistance after identifying the QR code. Previously, users B and C would be prompted whether to grant permission to access their WeChat. After obtaining the permission of users B and C, it means that users B and C successfully scanned the QR code to assist user A, and then they can also obtain The corresponding personal information of users B and C on WeChat. In one embodiment, the acquired information of a plurality of target users can be stored in a relational database, which can facilitate the reading of data and the reading speed is faster, and the information storage is relatively safe.

S105. Use the acquired information of multiple target users to construct a credit relationship network of the users.

The credit relationship network is a social relationship network diagram of the user and the multiple target users. Specifically, a credit relationship network of the users may be constructed by using the acquired information of multiple target users, that is, a social relationship network of the user is constructed. This step is mainly implemented by comparing the obtained information of a plurality of target users with the contact information in the user's original credit relationship network one-to-one, so as to query and determine whether there are multiple contact information in the user's contact information. target users; further, the information of multiple existing target users is directly updated to the location of their corresponding contacts, and the information of multiple non-existing target users is directly added to the user's contact list to construct the User's credit relationship network. For example, continuing to take the example in step 103 above as an example, after user A shares his exclusive power assistance QR code, his friends users B and C open the QR code respectively, scan and recognize it successfully, and obtain users B and C. For the personal information on WeChat, in this embodiment, use the personal information of users B and C on WeChat to query the contact information of the user A, and then compare and determine whether user B exists in the contact information of the user A. and information of user C; if there is information of user B, the information of user B is directly updated to the corresponding position of user A's contact user B; if there is no information of user C, the information of user C is directly added to In the contact information of user A, the credit relationship network of user A can be constructed, that is, by updating and adding the contact list on the credit relationship network of user A, the information of multiple friends on the contact list can be used to The evaluation judges the credit value of the user. In one embodiment, the credit values corresponding to the multiple friends are obtained according to the obtained information of the multiple friends on the contact list, and the credit values corresponding to the multiple friends are used to evaluate and determine the credit value of the user.

In the above-mentioned embodiment, the solution utilizes the application page where the user applies for a product on the application program or browser to generate a sharing assistance QR code exclusive to the user, and design assistance rules to encourage the user to select friends in the user's social circle for assistance. In order to improve its own credit value and the success rate of applying for products, and then use the action of the user to share to the social circle to actively obtain the user's social friends and the personal information of the social friends, and then use the personal information of the user's social friends to actively construct the user. It overcomes the problem that the user's credit relationship network needs to rely on manual input in the prior art and the authenticity of the input contact information cannot be guaranteed. Collect the information of friends in the user's WeChat and other social circles, and the data sources are authentic and reliable; use the sharing and promotion function of the application and the scanning authorization behavior of social friends to actively obtain the information of the user's multiple friends, and quickly establish the The user's credit relationship network does not require the user to passively input contact information; actively collect and establish a credit relationship network, and the data volume of its contacts is unlimited, which can effectively enrich the user's credit relationship network and the user data of the credit system, and apply for loans to users. More scientific analysis and judgment can be made to effectively reduce the risk of credit loans.

Please refer to FIG. 2 , which is a schematic sub-flow diagram of a method for constructing a credit relationship network provided by an embodiment of the present invention. As shown in FIG. 2 , in the step S105 , the obtained data of multiple target users is used. The step of constructing the user's credit relationship network from the information specifically includes the following steps S1051-S1053.

S1051. Compare the acquired information of the multiple target users with the contact information in the original credit relationship network of the users one by one to determine whether the multiple target users exist in the original credit relationship network.

Specifically, the original credit relationship network of the user is the credit relationship network that the user has constructed before implementing the embodiments of this solution. There may be at least one contact person in the relationship network; multiple target users obtained after implementing the embodiments of this solution may have at least one target user in the contact list of the user's original credit relationship network. The acquired information of multiple target users is compared one-to-one with the contact information in the user's original credit relationship network to determine whether the multiple target users exist in the contact list, and then compare the existing target users and The non-existing target users are processed accordingly to build the user's credit relationship network.

S1052. Update the information of the target user existing in the original credit relationship network to the position of the contact corresponding to the existing target user in the original credit relationship network.

Specifically, if it is found that the target user already exists in the contact list, the obtained information about the target user can be updated to the position of the corresponding contact. If the user's information only includes name and contact information, the obtained information such as the user's address and location, WeChat nickname, gender, etc. can be updated to the location of the user's corresponding contact; or if the user's contact information has been changed , you can update the contact information of the user in the original credit relationship network.

S1053. Add the information of the non-existing target user to the position of the new contact person of the original credit relationship network to construct the credit relationship network of the user.

Specifically, if it is found that the target user does not exist in the contact list, the obtained information about the target user can be directly added to the position of the new contact in the user's credit relationship network to construct the User's credit relationship network.

Please refer to FIG. 3 , which is a schematic flowchart of a method for constructing a credit relationship network according to another embodiment of the present invention. As shown in FIG. 3, the method may include steps S201-S206. The steps S201-S204 and S206 are similar to the steps S101-S105 in the above-mentioned embodiment, and are not repeated here. Step S205 added in this embodiment will be described in detail below.

S205: Update the user database of the credit system by using the acquired information of the multiple target users.

Wherein, the user database is used to store all user information of the credit system and its credit relationship network, and the user database is a relational database. Specifically, in an embodiment, the implementation of this step is mainly to query the user database by using the acquired information of multiple target users to determine whether there is any information matching the information of the multiple target users in the user database. If it is determined that there are users matching the information of the multiple target users, then the information of the multiple target users is updated to the positions of the users corresponding to the multiple target users in the user database. updating the user database of the credit information system; and if it is determined that there is no user matching the information of the plurality of target users, adding the information of the plurality of target users to the user database to update the information of the credit information system User database.

In the above-mentioned embodiment, the solution utilizes the application page where the user applies for a product on the application program or browser to generate a sharing assistance QR code exclusive to the user, and design assistance rules to encourage the user to select friends in the user's social circle for assistance. In order to improve its own credit value and the success rate of applying for products, and then use the action of the user to share to the social circle to actively obtain the user's social friends and the personal information of the social friends, and then use the personal information of the user's social friends to update the credit system. User database. By implementing the embodiments of this solution, more customer resources can be obtained, and then the purposes of brand marketing, customer service, promotion and marketing can be achieved in the Internet and social circles.

Please refer to FIG. 4 , which is a schematic flowchart of a method for constructing a credit relationship network according to another embodiment of the present invention. As shown in FIG. 4, the method may include steps S301-S310. The steps S201-S204 are similar to the steps S101-S104 in the foregoing embodiment, and are not repeated here. Steps S305-S310 in this embodiment are described in detail below.

S305 , query the user database by using the acquired information of the multiple target users to determine whether there are users matching the information of the multiple target users in the user database.

Wherein, the user database is used to store all user information of the credit system and its credit relationship network. Specifically, continuing to take the example in the above step 103 as an example, after user A shares his exclusive assistance QR code, his friends B and C respectively open the QR code and scan and recognize it successfully, and obtain user B and user B and C respectively. C's personal information on WeChat, use the obtained personal information of users B and C to query in the user database, that is, store the obtained personal information of users B and C in the user database of the credit system. One-to-one comparison of all the user information obtained to determine whether the acquired target users are potential customers.

S306: Update the information of the target users matched with the users in the user database to the positions of the users corresponding to the multiple target users in the user database.

Specifically, if a user matching the acquired target user is matched in the user database of the credit system, the information of the target user matched by the user is updated to the credit relationship network of the user, for example, if The information of user B is matched in the user database, and the information of user B is also included in the obtained multiple target users, and then the personal information of user B on social circles such as WeChat that has just been obtained can be updated to the user in the user database. B's credit relationship network, so as to ensure that the data is updated in time and more personal information of users can be collected, which is conducive to the subsequent credit evaluation of users.

S307. Add the information of the target user that does not match any user in the user database to the user database.

Specifically, if the user that matches the acquired target user cannot be matched in the user database of the credit system, the information of the target user that does not match all users in the user database is directly added to the user database, For example, if the information of user C cannot be matched in the user database, there is information of user C in the obtained multiple target users, and then the personal information of user C on WeChat and other social circles that has just been obtained can be directly added to In this user database, more customer resources can be obtained, which is beneficial for the subsequent salesmen to expand their business.

S308: Search the user database for behavior information corresponding to the multiple target users by using the information of the target users matched with the users in the user database.

The behavior information includes order information. Continuing to take the example in step 103 above as an example, if there is information of user B, combined with the order database in the credit system, search for the corresponding order information according to the obtained information of user B.

S309: Add the searched behavior information to the position of the contact corresponding to the behavior information in the original credit relationship network of the user one by one to construct the credit relationship network of the user.

Specifically, the found behavior information of user B can be added to the position of the contact person corresponding to the behavior information in the credit relationship network of user A to construct the credit relationship network of user A, that is, user B can be added to the credit relationship network of user A. The order information is added to the position corresponding to the user B in the credit relationship network of user A. The order database is a relational database, that is, the order information of the user B is stored in a relational database, which is more convenient to read and has a faster storage speed. In this embodiment, adding the existing user B The credit relationship network after the behavior information of the user A can be used to view the behavior information of the contact B associated with the user A, and provide data basis for risk control and post-loan. For example, there are rules in the risk control system to check whether the spouse has unpaid loans or overdue loans, etc., which can be quickly matched in the credit relationship network to judge the credit status of the contact B of the user A, and the post-loan personnel are in the service process. The use of this credit relationship network to obtain data is also clear at a glance.

S310. Add the information of the target user that does not match any user in the user database to the position of the new contact in the user's original credit relationship network to construct the user's credit relationship network.

In the above-mentioned embodiment, the solution utilizes the application page where the user applies for a product on the application program or browser to generate a sharing assistance QR code exclusive to the user, and design assistance rules to encourage the user to select friends in the user's social circle for assistance. In order to improve its own credit value and the success rate of applying for products, and then use the action of the user to share to the social circle to actively obtain the user's social friends and the personal information of the social friends, and then use the personal information of the user's social friends to actively construct the user. The credit relationship network of the user, wherein the user can use the personal information of the user's social friends to search for the friend's behavior information in the user database and the order database, and then add the behavior information to the user's credit relationship network. Build the user's credit relationship network. The implementation of this solution can add the acquired behavior information of the user's friend to the position corresponding to the friend in the user's credit relationship network, which can be used to view the historical behavior information of the friend associated with the user, which is for risk control and post-loan. Provide data basis. For example, there are rules in the risk control system to check whether the spouse has unpaid or overdue loans, etc., which can be quickly matched in the credit relationship network to judge the credit status of the user's contact, and the post-loan personnel use it in the service process. The data obtained from the credit relationship network is also clear at a glance, and it can also effectively enrich the user's credit relationship network and the user data of the credit system, make more scientific analysis and judgment on the user's loan application, and effectively reduce the risk of credit loans.

Please refer to FIG. 5 , which is a schematic block diagram of an apparatus 100 for constructing a credit relationship network according to an embodiment of the present invention. As shown in FIG. 5 , the apparatus 100 for constructing a credit relationship network corresponds to the method for constructing a credit relationship network shown in FIG. 1 . The apparatus 100 for constructing a credit relationship network includes a unit for executing the above method for constructing a credit relationship network, and the apparatus 100 for constructing a credit relationship network may be configured in a terminal or a server. Wherein, the terminal may be an electronic device such as a smart phone, a tablet computer, a notebook computer, a desktop computer and a personal digital assistant; the server may be an independent server or a server cluster composed of multiple servers. Specifically, referring to FIG. 5 , the apparatus 100 for constructing a credit relationship network includes a first judging unit 101 , a first generating unit 102 , a first detecting unit 103 , a first acquiring unit 104 and a first constructing unit 105 .

The first judging unit 101 is used for judging whether an application from a user is received.

Wherein, the application includes a loan application and an appointment application. The loan application may be, for example, an application for financial loan products such as credit loan and consumer loan. 's application.

The first generating unit 102 is configured to generate a sharing link corresponding to the user according to the application if an application from the user is received.

Wherein, the sharing link includes an assisting QR code and an assisting rule for prompting the user; the assisting two-dimensional code includes user ID information; Rules for increasing the credit value of the user. In one embodiment, the assisting rule is a rule that the number of people who successfully assist the two-dimensional code and its corresponding credit value change in a positive gradient.

The first detection unit 103 is configured to detect whether the assisting two-dimensional code is successfully scanned.

The first acquiring unit 104 is configured to acquire, in real time, the information of multiple target users who have successfully scanned the assistance two-dimensional code if the assistance two-dimensional code is successfully scanned.

Specifically, the information of the target user includes basic personal information such as mobile phone number, WeChat nickname, gender, and geographic location.

The first constructing unit 105 is configured to construct a credit relationship network of the users by using the acquired information of multiple target users.

The credit relationship network is a social relationship network diagram of the user and the multiple target users. Specifically, a credit relationship network of the users may be constructed by using the acquired information of multiple target users, that is, a social relationship network of the user is constructed.

Please refer to FIG. 6 , which is a schematic block diagram of a first construction unit 105 of an apparatus 100 for constructing a credit relationship network provided by an embodiment of the present invention, where the first construction unit 105 includes a comparison unit 1051 , a first update unit 1052 and first addition unit 1053 .

The comparison unit 1051 is configured to compare the acquired information of multiple target users with the contact information in the user's original credit relationship network one by one to determine whether the original credit relationship network exists. Multiple target users.

The first updating unit 1052 is configured to update the information of the target user existing in the original credit relationship network to the position of the contact corresponding to the existing target user in the original credit relationship network.

The first adding unit 1053 is configured to add the information of the non-existing target user to the position of the new contact in the original credit relationship network to construct a credit relationship network of the user.

It should be noted that those skilled in the art can clearly understand that, for the specific implementation process and effects of the above-mentioned apparatus 100 for constructing a credit relationship network and each unit, reference may be made to the corresponding descriptions in the foregoing method embodiments. It is concise and will not be repeated here.

Please refer to FIG. 7 , which is a schematic block diagram of an apparatus 200 for constructing a credit relationship network according to another embodiment of the present invention. As shown in FIG. 7 , an apparatus 200 for constructing a credit relationship network provided by another embodiment of the present invention adds a first database updating unit 205 on the basis of the above-mentioned embodiment, that is, the apparatus 200 includes a second judging unit 201 , a second generating unit 202 , a second detecting unit 203 , a second acquiring unit 204 , a first database updating unit 205 and a second constructing unit 206 . Among them, the second judgment unit 201, the second generation unit 202, the second detection unit 203, the second acquisition unit 204, and the second construction unit 206 are the same as the first judgment unit 101, the first generation unit 102, The first detection unit 103 , the first acquisition unit 104 , and the first construction unit 105 are similar, and since their application process and corresponding functions are similar to those of the corresponding units in the above-mentioned embodiments, they will not be repeated here.

The first database updating unit 205 is configured to update the user database of the credit system by using the acquired information of multiple target users.

Wherein, the user database is used to store all user information of the credit system and its credit relationship network, and the user database is a relational database.

It should be noted that those skilled in the art can clearly understand that the specific implementation process and effects of the above-mentioned apparatus 200 and each unit may refer to the corresponding descriptions in the foregoing method embodiments. Repeat.

Please refer to FIG. 8 , which is a schematic block diagram of an apparatus 300 for constructing a credit relationship network according to another embodiment of the present invention. As shown in FIG. 8 , another embodiment of the present invention provides an apparatus 300 for constructing a credit relationship network. The apparatus 300 includes a third judging unit 301 , a third generating unit 302 , a third detecting unit 303 , and a third acquiring unit 300 . unit 304 , a second database update unit 305 and a third construction unit 306 . Among them, the third determination unit 301, the third generation unit 302, the third detection unit 303, the third acquisition unit 304 and the first determination unit 101, the first generation unit 102, the first detection unit 103, The first obtaining unit 104 is similar, and since its application process and corresponding functions are similar to those of the corresponding units in the foregoing embodiments, details are not described herein again. Wherein, the second database update unit 305 includes a query unit 3051, a second update unit 3052 and a second addition unit 3053; the third construction unit 306 includes a search unit 3061, a third addition unit 3062 and a fourth addition unit 3063 .

The query unit 3051 is configured to perform a query in the user database by using the acquired information of the multiple target users to determine whether there is a user matching the information of the multiple target users in the user database.

Wherein, the user database is used to store all user information of the credit system and its credit relationship network.

The second updating unit 3052 is configured to update the information of the target users matched with the users in the user database to the positions of the users corresponding to the plurality of target users in the user database.

The second adding unit 3053 is configured to add the information of the target user that does not match any user in the user database into the user database.

The searching unit 3061 is configured to search the user database for behavior information corresponding to the multiple target users by using the information of the target users matched with the users in the user database.

The third adding unit 3062 is configured to add the searched behavior information to the positions of the contacts corresponding to the behavior information in the user's original credit relationship network to construct the user's credit relationship network.

The fourth adding unit 3063 is configured to add the information of the target user that does not match any user in the user database to the position of the new contact person in the user's original credit relationship network to build the user's credit relationship network.

It should be noted that those skilled in the art can clearly understand that the specific implementation process and effects of the above-mentioned apparatus 300 and each unit may refer to the corresponding descriptions in the foregoing method embodiments. Repeat.

The above-mentioned apparatus can be implemented in the form of a computer program, which can be executed on a computer device as shown in FIG. 9 .

Please refer to FIG. 9 , which is a schematic block diagram of a computer device according to an embodiment of the present invention. The computer device 600 may be a terminal or a server, wherein the terminal may be an electronic device such as a smart phone, a tablet computer, a notebook computer, a desktop computer, and a personal digital assistant. The server can be an independent server or a server cluster composed of multiple servers.

Referring to FIG. 9 , the computer device 600 includes a processor 602 , a memory and a network interface 605 connected through a system bus 601 , wherein the memory may include a non-volatile storage medium 603 and an internal memory 604 .

The nonvolatile storage medium 603 can store an operating system 6031 and a computer program 6032 . The computer program 6032 includes program instructions that, when executed, can cause the processor 602 to execute a method for building a credit relationship network.

The processor 602 is used to provide computing and control capabilities to support the operation of the entire computer device 600 .

The internal memory 604 provides an environment for running the computer program 6032 in the non-volatile storage medium 603. When the computer program 6032 is executed by the processor 602, the processor 602 can execute a method for constructing a credit relationship network.

The network interface 605 is used for network communication with other devices. Those skilled in the art can understand that the structure shown in FIG. 9 is only a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the computer device 600 to which the solution of the present application is applied. The specific computer device 600 may include more or fewer components than shown, or combine certain components, or have a different arrangement of components.

Wherein, the processor 602 is used to run the computer program 6032 stored in the memory, so as to realize the following steps: judging whether an application from the user is received; if an application from the user is received, generating an application corresponding to the user according to the application A sharing link; wherein, the sharing link includes an assisting QR code and an assisting rule for prompting the user; the assisting two-dimensional code includes user ID information; and the assisting rule is based on the success of sharing the QR code by the user The number of assisting persons corresponds to the rules for increasing the credit value of the user; detecting whether the assisting QR code is successfully scanned; if the assisting QR code is successfully scanned, obtain multiple targets for successfully scanning the assisting QR code in real time information of the user; and using the obtained information of multiple target users to construct a credit relationship network of the user; wherein the credit relationship network is a social relationship network diagram of the user and the multiple target users.

In one embodiment, the processor 602 specifically implements the following steps when implementing the step of constructing the user's credit relationship network by using the acquired information of multiple target users: Compare with the contact information in the original credit relationship network of the user one by one to determine whether the multiple target users exist in the original credit relationship network; updating the information to the position of the contact corresponding to the existing target user in the original credit relationship network; and adding the information of the non-existing target user to the position of the new contact in the original credit relationship network The above is to build the credit relationship network of the user.

In one embodiment, before implementing the step of constructing the user's credit relationship network by using the acquired information of the multiple target users, the processor 602 specifically further implements the following steps: using the acquired information of the multiple target users; The user database of the information update credit system; wherein, the user database is used to store all the user information of the credit system and its credit relationship network.

In one embodiment, the processor 602 specifically implements the following steps when implementing the step of using the acquired information of multiple target users to update the user database of the credit information system: using the acquired information of multiple target users to query in the user database to determine whether there are users matching the information of the multiple target users in the user database; update the information of the target users matched with the users in the user database to the user at the position of the user corresponding to the target user in the database; and adding the information of the target user that does not match any user in the user database into the user database.

In one embodiment, when the processor 602 implements the step of constructing the user's credit relationship network by using the acquired information of multiple target users, the processor 602 specifically further implements the following steps: using the user data in the user database The information of the matched target user is searched for the behavior information corresponding to the target user in the user database; the searched behavior information is added one by one to the original credit relationship network of the user corresponding to the behavior information. The position of the contact person to build the user's credit relationship network; and adding the information of the target user that does not match the user in the user database to the position of the new contact person in the user's original credit relationship network to A credit relationship network of the user is constructed.

It should be understood that, in this embodiment of the present invention, the processor 602 may be a central processing unit (Central Processing Unit, CPU), and the processor 602 may also be other general-purpose processors, digital signal processors (Digital Signal Processor, DSP), dedicated integrated Circuit (Application Specific Integrated Circuit, ASIC), off-the-shelf Programmable Gate Array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like. Wherein, the general-purpose processor can be a microprocessor or the processor can also be any conventional processor or the like.

It can be understood by those skilled in the art that all or part of the processes in the methods for implementing the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program includes program instructions, and the computer program can be stored in a storage medium, and the storage medium is a storage medium. The program instructions are executed by at least one processor in the computer system to implement the flow steps of the above-described method embodiments.

Therefore, the present invention also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions. When the program instructions are executed by the processor, the processor executes the method for constructing a credit relationship network as described above.

The storage medium may be a U disk, a removable hard disk, a read-only memory (Read-Only Memory, ROM), a magnetic disk or an optical disk and other storage media that can store program codes.

Those of ordinary skill in the art can realize that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. Interchangeability, the above description has generally described the components and steps of each example in terms of function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Skilled artisans may implement the described functionality using different methods for each particular application, but such implementations should not be considered beyond the scope of the present invention.

In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative. For example, the division of each unit is only a logical function division, and other division methods may be used in actual implementation. For example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not implemented.

The steps in the method of the embodiment of the present invention may be adjusted, combined and deleted in sequence according to actual needs. Units in the apparatus of the embodiment of the present invention may be combined, divided, and deleted according to actual needs. In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically alone, or two or more units may be integrated into one unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as an independent product, may be stored in a storage medium. Based on this understanding, the technical solution of the present invention is essentially or a part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium , including several instructions to cause a computer device (which may be a personal computer, a terminal, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention.

The above are only specific embodiments of the present invention, but the protection scope of the present invention is not limited to this. Any person skilled in the art can easily think of various equivalents within the technical scope disclosed by the present invention. Modifications or substitutions should be included within the protection scope of the present invention. Therefore, the protection scope of the present invention should be subject to the protection scope of the claims.

Claims (10)

1. A method for constructing a credit worthiness network is characterized by comprising the following steps:

judging whether an application from a user is received;

if an application from a user is received, a sharing link corresponding to the user is generated according to the application; the sharing link comprises a power-assisted two-dimensional code and a power-assisted rule used for prompting a user; the power-assisted two-dimensional code comprises user ID information; the power-assisted rule is a rule for correspondingly increasing the credit value of the user according to the number of successful power-assisted persons who share the two-dimensional code;

detecting whether the power-assisted two-dimensional code is scanned successfully;

if the power-assisted two-dimensional code is successfully scanned, acquiring information of a plurality of target users who successfully scan the power-assisted two-dimensional code in real time; and

constructing a credit worthiness network of the user by using the acquired information of the plurality of target users; the credit worthiness relationship network is a social relationship network graph of the user and the target users.

2. The method for constructing a credit worthiness network according to claim 1, wherein the constructing the credit worthiness network of the user by using the obtained information of the plurality of target users comprises:

comparing the acquired information of the target users with the contact information in the original credit worthiness network of the user one by one to judge whether the target users exist in the original credit worthiness network or not;

updating the information of the target user in the original credit worthiness network to the position of the contact corresponding to the existing target user in the original credit worthiness network; and

and adding the information of the non-existing target user to the position of a new contact of the original credit worthiness network to construct the credit worthiness network of the user.

3. The method for constructing a credit worthiness network according to claim 1, wherein the step of constructing the credit worthiness network of the user by using the obtained information of the plurality of target users is preceded by the following steps:

updating a user database of the credit worthiness system by using the acquired information of the plurality of target users; the user database is used for storing all user information of the credit worthiness system and the credit worthiness relationship network.

4. The method for constructing a credit worthiness network according to claim 3, wherein the updating the user database of the credit worthiness system by using the obtained information of the plurality of target users comprises:

inquiring in the user database by using the acquired information of the plurality of target users to judge whether users matched with the information of the plurality of target users exist in the user database;

updating the information of the target user matched with the user in the user database to the position of the user corresponding to the target user in the user database; and

adding information of target users that do not match any of the users in the user database to the user database.

5. The method for constructing a credit worthiness network according to claim 4, wherein the constructing the credit worthiness network of the user by using the obtained information of the plurality of target users comprises:

searching behavior information corresponding to a target user in the user database by using the information of the target user matched with the user in the user database;

adding the searched behavior information to the position of a contact corresponding to the behavior information in the original credit worthiness network of the user one by one to construct the credit worthiness network of the user; and

and adding the information of the target user which is not matched with the users in the user database to the position of a new contact of the original credit worthiness network of the user to construct the credit worthiness network of the user.

6. An apparatus for constructing a credit worthiness network, comprising:

the first judging unit is used for judging whether an application from a user is received or not;

the device comprises a first generating unit, a second generating unit and a sharing unit, wherein the first generating unit is used for generating a sharing link corresponding to a user according to an application if the application from the user is received; the sharing link comprises a power-assisted two-dimensional code and a power-assisted rule used for prompting a user; the power-assisted two-dimensional code comprises user ID information; the power-assisted rule is a rule for correspondingly increasing the credit value of the user according to the number of successful power-assisted persons who share the two-dimensional code;

the first detection unit is used for detecting whether the power-assisted two-dimensional code is scanned successfully or not;

the first acquisition unit is used for acquiring information of a plurality of target users who successfully scan the power-assisted two-dimensional code in real time if the power-assisted two-dimensional code is successfully scanned; and

the first construction unit is used for constructing a credit worthiness network of the user by using the acquired information of the plurality of target users; the credit worthiness relationship network is a social relationship network graph of the user and the target users.

7. The apparatus for constructing a credit worthiness network according to claim 6, wherein the first constructing unit includes an comparing unit, a first updating unit and a first adding unit; wherein,

the comparison unit is used for comparing the acquired information of the target users with the contact information in the original credit worthiness network of the user one by one so as to judge whether the target users exist in the original credit worthiness network;

the first updating unit is used for updating the information of the target user in the original credit worthiness network to the position of the contact corresponding to the existing target user in the original credit worthiness network; and

the first adding unit is used for adding the nonexistent information of the target user to the position of a new contact of the original credit worthiness network so as to construct the credit worthiness network of the user.

8. The apparatus for constructing a credit worthiness network according to claim 6, further comprising:

the data updating unit is used for updating a user database of the credit worthiness system by using the acquired information of the plurality of target users; the user database is used for storing all user information of the credit worthiness system and the credit worthiness relationship network.

9. A computer arrangement, characterized in that the computer arrangement comprises a memory, on which a computer program is stored, and a processor, which when executing the computer program, implements a method of constructing a credit worthiness network according to any of claims 1-5.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when being executed by a processor, can implement the method of constructing a credit worthiness network according to any one of claims 1-5.