CN109800363A - Construct method, apparatus, equipment and the storage medium of standing relational network - Google Patents
Construct method, apparatus, equipment and the storage medium of standing relational network Download PDFInfo
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Abstract
Description
技术领域technical field
本发明涉及社会关系网络技术领域,尤其涉及一种构建资信关系网络的方法、装置、设备及存储介质。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.
背景技术Background technique
随着我国经济的迅猛发展,我国消费金融信贷产业和资信机构的个人信用得分评估服务得到了高速蓬勃发展,个人信贷产业和个人信用风险评估服务行业以巨大的市场潜力和较高的预期收益成为金融市场竞争的热点,各金融机构均把发展消费贷款作为发展战略的重要组成部分,而在其经营过程中面临的主要风险就是信用风险。例如,各金融机构每年都会因贷款给信用低偿还能力低的用户而遭受大量的资金损失。因此,我国金融机构在开展消费信贷业务时,大多数流程为每笔贷款发生之前,对借款人进行授信,在授信额度范围内贷款,且确保该用户有足够的偿还贷款的能力。金融机构对借款人授信时,必须对借款人的信用水平进行分析、判断,其中可以通过金融机构所建立的资信系统中该借款人的资信关系网络对该借款人的信用水平进行分析评估并做出相关判断。目前,资信系统中该借款人的资信关系网络的建立主要是利用借款人主动提交的联系人信息进行建立,即该借款人的关系网络主要是依靠借款人在客户端的应用程序内主动输入联系人信息建立的,其中,联系人信息主要包含联系人的姓名以及手机号码。这种被动搭建借款人的资信关系网络的方式存在以下三个缺陷,第一,依靠用户手动输入的联系人信息所搭建的关系网络比较简单;第二,依靠用户手动输入的联系人信息的真实性无法得到保证;第三,由于联系人信息需要依靠用户在应用程序的客户端主动录入,其录入数量有限,一般不超过三个联系人。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.
发明内容SUMMARY OF THE INVENTION
本发明实施例提供了一种构建资信关系网络的方法、装置、设备及存储介质,便于快速便利地建立用户的资信关系网络。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.
第一方面,本发明实施例提供了一种构建资信关系网络的方法,其包括:In a first aspect, an embodiment of the present invention provides a method for constructing a credit relationship network, comprising:
判断是否接收到来自用户的申请;Determine whether an application from the user is received;
若接收到来自用户的申请,根据所述申请生成与用户对应的分享链接;其中,所述分享链接包括助力二维码以及用于提示用户的助力规则;所述助力二维码包括用户ID信息;所述助力规则为根据用户分享所述二维码后的成功助力人数对应增加所述用户的信用值的规则;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;
检测所述助力二维码是否被成功扫描;Detecting whether the booster QR code has been successfully scanned;
若所述助力二维码被成功扫描,实时获取成功扫描所述助力二维码的多个目标用户的信息;以及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
利用所获取的多个目标用户的信息构建所述用户的资信关系网络;其中,所述资信关系网络为所述用户与所述多个目标用户的社交关系网络图。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.
第二方面,本发明实施例还提供了一种构建资信关系网络的装置,其包括:In a second aspect, an embodiment of the present invention also provides a device for constructing a credit relationship network, comprising:
第一判断单元,用于判断是否接收到来自用户的申请;a first judging unit for judging whether an application from a user is received;
第一生成单元,用于若接收到来自用户的申请,根据所述申请生成与用户对应的分享链接;其中,所述分享链接包括助力二维码以及用于提示用户的助力规则;所述助力二维码包括用户ID信息;所述助力规则为根据用户分享所述二维码后的成功助力人数对应增加所述用户的信用值的规则;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;
第一检测单元,用于检测所述助力二维码是否被成功扫描;a first detection unit, configured to detect whether the booster two-dimensional code is successfully scanned;
第一获取单元,用于若所述助力二维码被成功扫描,实时获取成功扫描所述助力二维码的多个目标用户的信息;以及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
第一构建单元,用于利用所获取的多个目标用户的信息构建所述用户的资信关系网络;其中,所述资信关系网络为所述用户与所述多个目标用户的社交关系网络图。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.
第三方面,本发明实施例还提供了一种计算机设备,所述计算机设备包括存储器及处理器,所述存储器上存储有计算机程序,所述处理器执行所述计算机程序时实现上述第一方面的方法。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.
第四方面,本发明实施例还提供了一种计算机可读存储介质,所述计算机可读存储介质存储有计算机程序,所述计算机程序包括程序指令,所述程序指令当被处理器执行时可实现上述第一方面的方法。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.
本发明实施例提供了一种构建资信关系网络的方法、装置、设备及存储介质。本发明实施例能够克服现有技术中建立用户的资信关系网络需要依靠用户手动输入这一问题以及无法保证所输入的联系人信息的真实性问题,通过本发明实施例可以在用户无感知的情况下将用户的微信等社交圈内的好友的信息收集起来,其数据来源真实可靠;且利用应用程序的分享推广功能以及社交朋友的扫描授权行为主动获取该用户的多个好友的信息,便于快速建立该用户的资信关系网络,无需用户被动输入联系人信息,可以主动收集并建立用户的资信关系网络,其联系人的数据量无限制,可有效丰富用户的资信关系网络以及资信系统的用户数据,对用户贷款申请可以做出更加科学的分析判断,有效降低授信贷款的风险,实现风险管控的目的。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.
附图说明Description of drawings
为了更清楚地说明本发明实施例技术方案,下面将对实施例描述中所需要使用的附图作简单地介绍,显而易见地,下面描述中的附图是本发明的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动的前提下,还可以根据这些附图获得其他的附图。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.
图1为本发明一实施例提供的一种构建资信关系网络的方法的流程示意图;1 is a schematic flowchart of a method for constructing a credit relationship network provided by an embodiment of the present invention;
图2为本发明一实施例提供的一种构建资信关系网络的方法的子流程示意图;2 is a schematic sub-flow diagram of a method for constructing a credit relationship network provided by an embodiment of the present invention;
图3为本发明另一实施例提供的一种构建资信关系网络的方法的流程示意图;3 is a schematic flowchart of a method for constructing a credit relationship network provided by another embodiment of the present invention;
图4为本发明又一实施例提供的一种构建资信关系网络的方法的流程示意图;4 is a schematic flowchart of a method for constructing a credit relationship network provided by another embodiment of the present invention;
图5为本发明一实施例提供的一种构建资信关系网络的装置的示意性框图;5 is a schematic block diagram of an apparatus for constructing a credit relationship network according to an embodiment of the present invention;
图6为本发明一实施例提供的一种构建资信关系网络的装置的第一构建单元的示意性框图;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;
图7为本发明另一实施例提供的一种构建资信关系网络的装置的示意性框图;7 is a schematic block diagram of an apparatus for constructing a credit relationship network provided by another embodiment of the present invention;
图8为本发明又一实施例提供的一种构建资信关系网络的装置的示意性框图;以及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
图9为本发明实施例提供的一种计算机设备的示意性框图。FIG. 9 is a schematic block diagram of a computer device according to an embodiment of the present invention.
具体实施方式Detailed ways
下面将结合本发明实施例中的附图,对本发明实施例中的技术方案进行清楚、完整地描述,显然,所描述的实施例是本发明一部分实施例,而不是全部的实施例。基于本发明中的实施例,本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例,都属于本发明保护的范围。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.
应当理解,当在本说明书和所附权利要求书中使用时,术语“包括”和“包含”指示所描述特征、整体、步骤、操作、元素和/或组件的存在,但并不排除一个或多个其它特征、整体、步骤、操作、元素、组件和/或其集合的存在或添加。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.
还应当理解,在此本发明说明书中所使用的术语仅仅是出于描述特定实施例的目的而并不意在限制本发明。如在本发明说明书和所附权利要求书中所使用的那样,除非上下文清楚地指明其它情况,否则单数形式的“一”、“一个”及“该”意在包括复数形式。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.
还应当进一步理解,在本发明说明书和所附权利要求书中使用的术语“和/或”是指相关联列出的项中的一个或多个的任何组合以及所有可能组合,并且包括这些组合。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 .
请参阅图1,其为本发明一实施例提供的一种构建资信关系网络的方法的示意性流程图。该构建资信关系网络的方法可以运行在终端或者服务器中,其中,终端可以是智能手机、平板电脑、笔记本电脑、台式电脑和个人数字助理等电子设备。服务器可以是独立的服务器,也可以是多个服务器组成的服务器集群。如图1所示,该方法可包括步骤S101至S105。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、判断是否接收到来自用户的申请。S101. Determine whether an application from a user is received.
其中,所述申请包括贷款申请以及预约申请,所述贷款申请可例如为对信用贷、消费贷等金融贷款产品的申请,所述预约申请可例如为对预售商品、限量商品、限时抢购商品的申请。具体地,用户可以在客户端的相关应用程序或浏览器上面输入与该申请有关的个人信息,并点击提交相应的申请请求,即客户端的相关应用程序或浏览器接收到来自用户的申请,即可以判定存在来自用户的申请。可例如为,用户通过客户端安装的金融类app填写申请信用贷这一贷款产品的申请信息,并点击确认申请。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、若接收到来自用户的申请,根据所述申请生成与用户对应的分享链接。S102. If an application from a user is received, generate a sharing link corresponding to the user according to the application.
其中,所述分享链接包括助力二维码以及用于提示用户的助力规则;所述助力二维码包括用户ID信息;所述助力规则为根据用户分享所述二维码后的成功助力人数对应增加所述用户的信用值的规则。具体地,在本实施例中,当存在来自用户的申请,根据所述申请可以生成与用户唯一对应的分享链接,其中,该分享链接包括包含有用户个人ID信息的助力二维码以及用于提示用户的助力规则,该助力规则用于提示用户可以利用客户端的相关应用程序或浏览器上的分享推送功能,将该生成的用户专属的助力二维码分享到用户的微信、QQ等社交圈中,进而用户微信、QQ等社交圈上的好友可以通过点开识别该助力二维码为用户增加信用值,其中,在一实施例中,在用户微信、QQ等社交圈上的好友点开识别该助力二维码之前可以通过提示该好友是否允许该应用程序获取其在微信、QQ等社交圈上的相关权限以得到该好友在其微信、QQ等社交圈上的相关权限的授权,从而可以获取各个助力好友的个人信息。因此,用户可以主动分享与该用户唯一对应的分享链接到其微信、QQ等社交圈上,通过用户的多个好友点击助力可以为用户获得相应的信用值,还可以提高该用户在相关商品的申请上的成功率,还可以利用获得的多个好友的信息构建该用户的资信关系网络,还可以进一步在互联网和社交圈内实现品牌营销、客户服务、获取客户等目的。由于以微信为代表的社交媒体发展起来后,绝大多数目标用户的注意力都被吸引到社交媒体上。在移动互联网时代,目标用户的注意力在哪里,推广营销渠道就在哪里,企业的推广营销活动大有从线下向线上转移的趋势,因此,我们可以借助移动互联网时代的力量,从微信等社交圈中获取用户的多个好友,构建该用户的资信关系网络,进而可以通过分析该资信关系网络,给予用户相应的信用评估,利用该信用评估可以确定用户的信用等级,实现在相应的授信范围内为用户提供相应的产品的目的,可例如为在授信额度范围内提供相应的信用贷。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.
在一实施例中,所述助力规则为所述二维码的成功助力人数以及其所对应的信用值呈正向梯度变化的规则,具体为若所述二维码成功分享3位信用良好的好友,可以为用户增加7分信用值;若所述二维码成功分享5位信用良好的好友,可以为用户增加9分信用值;以此类推,若所述二维码成功分享7位信用良好的好友,可以为用户增加11分信用值;其中,所述信用值的上限值为50分。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、检测所述助力二维码是否被成功扫描。S103. Detect whether the assistance two-dimensional code is successfully scanned.
具体地,由步骤S102中所生成的助力二维码以及助力规则可知,在一实施例中,例如本实施例中,用户可以选择主动分享该分享链接,将所生成的用户的专属助力二维码分享到其微信、QQ等社交圈中,进而让用户微信、QQ等社交圈上的好友可以通过点开识别该助力二维码为用户增加信用值,从而提高用户自身的信用值以增加所述申请的成功率。因此,需要检测所述助力二维码是否被成功扫描。其中,在一实施例中,在用户微信、QQ等社交圈上的多个好友点开识别该助力二维码之前可以通过提示该好友是否允许该应用程序获取其在微信、QQ等社交圈上的相关权限以得到该好友在其微信、QQ等社交圈上的相关权限的授权,当检测得到该用户的允许则判定为所述助力二维码被成功扫描,进而可以通过得到各个助力好友在微信、QQ等社交圈上的相关权限的授权实时获取该多个好友的个人信息。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、若所述助力二维码被成功扫描,实时获取成功扫描所述助力二维码的多个目标用户的信息。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.
具体地,若检测到所述助力二维码被成功扫描,即可获得用户的多个好友在微信、QQ等社交圈上的相关权限的授权,进而用户客户端可以实时获取成功扫描所述助力二维码的多个目标用户的信息,所述信息为多个目标用户的个人信息。其中,所述个人信息包括手机号,微信昵称,性别,所在地理位置等个人基本信息。例如,当用户A分享其专属助力二维码到其微信社交圈上时,用户A的好友用户B和C在其微信社交圈上分别打开了该二维码,在识别二维码后进行助力之前会提示该用户B和C是否授予访问其微信的权限,当得到用户B和C许可后,则表明该用户B和C成功扫描了所述二维码为用户A进行助力,进而也可以获取用户B和C在微信上相应的个人信息。在一实施例中,可以将所获取的多个目标用户的信息保存到一关系型数据库中,可以更加方便数据读取以及读取速度较快,且信息保存较为安全。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、利用所获取的多个目标用户的信息构建所述用户的资信关系网络。S105. Use the acquired information of multiple target users to construct a credit relationship network of the users.
其中,所述资信关系网络为所述用户与所述多个目标用户的社交关系网络图。具体地,可以利用所获取的多个目标用户的信息构建所述用户的资信关系网络,即构建用户的社交关系网络。实施本步骤主要通过将所获取的多个目标用户的信息与该用户的原资信关系网络中的联系人信息进行一一比对,以查询判断所述用户的联系人信息中是否存在该多个目标用户;进而将已存在的多个目标用户的信息直接更新到与其对应的联系人的位置上,将不存在的多个目标用户的信息直接添加到该用户的联系人名单中,以构建该用户的资信关系网络。例如,继续以上述步骤103中的例子为例,用户A分享其专属的助力二维码后,其好友用户B和C分别打开了该二维码并扫描识别成功,且获取到用户B和C在微信上的个人信息,在本实施例中,利用用户B和C在微信上的个人信息对应查询该用户A的联系人信息,进而比对确定该用户A的联系人信息中是否存在用户B和C的信息;若存在用户B的信息,则将用户B的信息直接更新到用户A的联系人用户B的对应位置上;若不存在用户C的信息,则将用户C的信息直接添加到用户A的联系人信息中,从而可以构建该用户A的资信关系网络,即通过更新和添加用户A的资信关系网络上的联系人名单,可以利用该联系人名单上的多个好友的信息来评估判断该用户的信用值。在一实施例中,根据所获取的该联系人名单上多个好友的信息获取该多个好友对应的信用值,利用该多个好友对应的信用值来评估判断该用户的信用值。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.
在上述实施例中,本方案利用用户在应用程序或浏览器上申请商品的申请页生成专属于用户的分享助力二维码,以及设计助力规则鼓励用户可以选择用户社交圈上的好友进行助力帮忙以提高自身信用值以及申请商品的成功率,进而利用用户分享到社交圈的这一动作来主动获取用户的社交好友以及社交好友的个人信息,进而可以利用用户社交好友的个人信息主动构建该用户的资信关系网络,克服现有技术中建立用户的资信关系网络需要依靠用户手动输入这一问题以及无法保证所输入的联系人信息的真实性问题,通过本发明实施例可以在用户无感知的情况下将用户的微信等社交圈内的好友的信息收集起来,其数据来源真实可靠;利用应用程序的分享推广功能以及社交朋友的扫描授权行为主动获取该用户的多个好友的信息,快速建立该用户的资信关系网络,无需用户被动输入联系人信息;主动收集并建立资信关系网络,其联系人的数据量无限制,可有效丰富用户的资信关系网络以及资信系统的用户数据,对用户贷款申请可以做出更加科学的分析判断,有效降低授信贷款的风险。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.
请参阅图2,其为本发明一实施例提供的一种构建资信关系网络的方法的子流程示意图,如图2所示,所述步骤S105中的所述利用所获取的多个目标用户的信息构建所述用户的资信关系网络的步骤具体包括以下步骤S1051-S1053。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、将所获取的多个目标用户的信息与所述用户的原资信关系网络中的联系人信息一一进行比对以判断所述原资信关系网络中是否存在所述多个目标用户。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.
具体地,所述用户的原资信关系网络为用户在实施本方案实施例之前已构建的资信关系网络,在一实施例中,即为依靠用户手动输入的方式所构建的资信关系网络,该资信关系网络中可能存在至少一个联系人;在实施本方案实施例之后所获取的多个目标用户可能存在至少一个目标用户在该用户的原资信关系网络的联系人的名单中,因此,需要将所获取的多个目标用户的信息与该用户的原资信关系网络中的联系人信息进行一一比对,以判断该联系人名单中是否存在该多个目标用户,进而对已存在的目标用户以及不存在的目标用户进行相应的处理以构建用户的资信关系网络。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、将存在所述原资信关系网络中的目标用户的信息更新到所述原资信关系网络中与该已存在的目标用户相对应的联系人的位置上。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.
具体地,若比对出在该联系人名单中已存在该目标用户,即可将获取的有关该目标用户的信息更新到与其对应的联系人的位置上,例如,若在原资信关系网络中该用户的信息只包括姓名以及联系方式,则可将获取的该用户的所在地址位置、微信昵称、性别等信息更新到该用户对应的联系人的位置上;或者若该用户的联系方式已发生更换,可以更新该用户在原资信关系网络中的联系方式。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、将不存在的目标用户的信息添加到所述原资信关系网络的新的联系人的位置上以构建所述用户的资信关系网络。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.
具体地,若比对出该联系人名单中不存在该目标用户,即可将获取的有关该目标用户的信息直接添加到该用户的资信关系网络的新的联系人的位置上以构建所述用户的资信关系网络。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.
请参阅图3,其为本发明另一实施例提供的一种构建资信关系网络的方法的流程示意图。如图3所示,该方法可包括步骤S201-S206。其中步骤S201-S204以及S206与上述实施例中的步骤S101-S105类似,在此不再赘述。下面详细说明本实施例中所增加的步骤S205。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、利用所获取的多个目标用户的信息更新资信系统的用户数据库。S205: Update the user database of the credit system by using the acquired information of the multiple target users.
其中,所述用户数据库用于存储所述资信系统的所有用户信息及其资信关系网络,所述用户数据库为一关系型数据库。具体地,在一实施例中,实施本步骤主要是利用所获取的多个目标用户的信息查询所述用户数据库以判断所述用户数据库中是否存在与所述多个目标用户的信息相匹配的用户;进而若判定存在与所述多个目标用户的信息相匹配的用户,则将该多个目标用户的信息更新到所述用户数据库中与该多个目标用户相对应的用户的位置上以更新所述资信系统的用户数据库;以及若判定不存在与所述多个目标用户的信息相匹配的用户,将该多个目标用户的信息添加到所述用户数据库中以更新所述资信系统的用户数据库。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.
在上述实施例中,本方案利用用户在应用程序或浏览器上申请商品的申请页生成专属于用户的分享助力二维码,以及设计助力规则鼓励用户可以选择用户社交圈上的好友进行助力帮忙以提高自身信用值以及申请商品的成功率,进而利用用户分享到社交圈的这一动作来主动获取用户的社交好友以及社交好友的个人信息,进而可以利用用户社交好友的个人信息更新资信系统的用户数据库。实施本方案实施例可以获取更多客户资源,进而可以在互联网和社交圈内实现品牌营销、客户服务、推广营销等目的。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.
请参阅图4,其为本发明又一实施例提供的一种构建资信关系网络的方法的流程示意图。如图4所示,该方法可包括步骤S301-S310。其中步骤S201-S204与上述实施例中的步骤S101-S104类似,在此不再赘述。下面详细说明本实施例中步骤S305-S310。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、利用所获取的多个目标用户的信息在所述用户数据库中进行查询以判断所述用户数据库中是否存在与所述多个目标用户的信息相匹配的用户。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.
其中,所述用户数据库用于存储资信系统的所有用户信息及其资信关系网络。具体地,继续以上述步骤103中的例子为例,用户A分享其专属的助力二维码后,其好友用户B和C分别打开了该二维码并扫描识别成功,且获取到用户B和C在微信上的个人信息,利用所获取的用户B和C的个人信息在所述用户数据库中进行查询,即将所获取的用户B和C的个人信息与存储在所述资信系统的用户数据库中的所有用户信息进行一一比对以判断所获取的多个目标用户是否为潜在客户。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、将与所述用户数据库中的用户所匹配的目标用户的信息更新到所述用户数据库中与该多个目标用户相对应的用户的位置上。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.
具体地,若在该资信系统的用户数据库中匹配到与所获取的目标用户相匹配的用户,则将与该用户所匹配的目标用户的信息更新到该用户的资信关系网络上,例如,若在该用户数据库中匹配到用户B的信息,所获取的多个目标用户中也有用户B的信息,进而可以将刚获取的用户B在微信等社交圈上的个人信息更新到该用户数据库中用户B的资信关系网络中,从而确保数据及时更新以及可以采集更多用户的个人信息,有利于后续用户的信用评估。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、将与所述用户数据库中的用户均不匹配的目标用户的信息添加到所述用户数据库中。S307. Add the information of the target user that does not match any user in the user database to the user database.
具体地,若在该资信系统的用户数据库中无法匹配到与所获取的目标用户相匹配的用户,则将与用户数据库中所有用户均不匹配的目标用户的信息直接添加到该用户数据库中,例如,若在该用户数据库中无法匹配到用户C的信息,所获取的多个目标用户中有用户C的信息,进而可以将刚获取的用户C在微信等社交圈上的个人信息直接添加到该用户数据库中,从而可以获取更多客户资源,有利于后续业务员开阔业务。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、利用与所述用户数据库中的用户所匹配的目标用户的信息在所述用户数据库中查找与该多个目标用户所对应的行为信息。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.
其中,所述行为信息包括订单信息,继续以上述步骤103中的例子为例,若存在用户B的信息,结合资信系统内部的订单数据库,根据所获取用户B的信息查找与其对应的订单信息。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、将所查找的行为信息一一添加到所述用户的原资信关系网络中与该行为信息相对应的联系人的位置上以构建所述用户的资信关系网络。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.
具体地,可以将所查找到的用户B的行为信息添加到该用户A的资信关系网络中与该行为信息相对应的联系人的位置上以构建用户A的资信关系网络,即可以将用户B的订单信息添加到用户A的资信关系网络中对应该用户B的位置上。其中,所述订单数据库为关系型数据库,即所述用户B的订单信息保存在一关系型数据库中,其读取更方便,以及存储速度更快,在本实施例中,添加已存在用户B的行为信息后的资信关系网络可用于查看与该用户A关联的联系人B的行为信息,为风控和贷后提供数据依据。例如,风控系统中有规则校验配偶是否有未还清贷款或逾期贷款等,可在该资信关系网络中快速匹配以判断该用户A的联系人B的信用情况,贷后人员在服务过程中使用该资信关系网络获取数据也是一目了然。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、将与所述用户数据库中的用户均不匹配的目标用户的信息添加到用户的原资信关系网络的新的联系人的位置上以构建所述用户的资信关系网络。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.
在上述实施例中,本方案利用用户在应用程序或浏览器上申请商品的申请页生成专属于用户的分享助力二维码,以及设计助力规则鼓励用户可以选择用户社交圈上的好友进行助力帮忙以提高自身信用值以及申请商品的成功率,进而利用用户分享到社交圈的这一动作来主动获取用户的社交好友以及社交好友的个人信息,进而可以利用用户社交好友的个人信息主动构建该用户的资信关系网络,其中,用户可以利用用户社交好友的个人信息在用户数据库以及订单数据库中查找该好友的行为信息,进而将该行为信息添加到用户的资信关系网络中对应该好友的位置上以构建该用户的资信关系网络。实施本方案实施可以将所获取的用户的好友行为信息添加到用户的资信关系网络中该好友所对应的位置上,可用于查看与该用户关联的好友的历史行为信息,为风控和贷后提供数据依据。例如,风控系统中有规则校验配偶是否有未还清贷款或逾期贷款等,可在该资信关系网络中快速匹配以判断该用户的联系人的信用情况,贷后人员在服务过程中使用该资信关系网络获取数据也是一目了然,也可以有效丰富用户的资信关系网络以及资信系统的用户数据,对用户贷款申请可以做出更加科学的分析判断,有效降低授信贷款的风险。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.
请参阅图5,其为本发明一实施例提供的一种构建资信关系网络的装置100的示意性框图。如图5所示,该构建资信关系网络的装置100对应于图1所示的构建资信关系网络的方法。该构建资信关系网络的装置100包括用于执行上述构建资信关系网络的方法的单元,该构建资信关系网络的装置100可以被配置于终端或者服务器中。其中,所述终端可以是智能手机、平板电脑、笔记本电脑、台式电脑和个人数字助理等电子设备;所述服务器可以是独立的服务器,也可以是多个服务器组成的服务器集群。具体地,请参阅图5,该构建资信关系网络的装置100包括第一判断单元101、第一生成单元102、第一检测单元103、第一获取单元104以及第一构建单元105。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 .
所述第一判断单元101用于判断是否接收到来自用户的申请。The first judging unit 101 is used for judging whether an application from a user is received.
其中,所述申请包括贷款申请以及预约申请,所述贷款申请可例如为对信用贷、消费贷等金融贷款产品的申请,所述预约申请可例如为对预售商品、限量商品、限时抢购商品的申请。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.
所述第一生成单元102用于若接收到来自用户的申请,根据所述申请生成与用户对应的分享链接。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.
其中,所述分享链接包括助力二维码以及用于提示用户的助力规则;所述助力二维码包括用户ID信息;所述助力规则为根据用户分享所述二维码后的成功助力人数对应增加所述用户的信用值的规则。在一实施例中,所述助力规则为所述二维码的成功助力人数以及其所对应的信用值呈正向梯度变化的规则。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.
所述第一检测单元103用于检测所述助力二维码是否被成功扫描。The first detection unit 103 is configured to detect whether the assisting two-dimensional code is successfully scanned.
所述第一获取单元104用于若所述助力二维码被成功扫描,实时获取成功扫描所述助力二维码的多个目标用户的信息。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.
具体地,所述目标用户的信息包括手机号,微信昵称,性别,所在地理位置等个人基本信息。Specifically, the information of the target user includes basic personal information such as mobile phone number, WeChat nickname, gender, and geographic location.
所述第一构建单元105用于利用所获取的多个目标用户的信息构建所述用户的资信关系网络。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.
其中,所述资信关系网络为所述用户与所述多个目标用户的社交关系网络图。具体地,可以利用所获取的多个目标用户的信息构建所述用户的资信关系网络,即构建用户的社交关系网络。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.
请参阅图6,其为本发明一实施例提供的一种构建资信关系网络的装置100的第一构建单元105的示意性框图,所述第一构建单元105包括比对单元1051、第一更新单元1052以及第一添加单元1053。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 .
所述比对单元1051用于将所获取的多个目标用户的信息与所述用户的原资信关系网络中的联系人信息一一进行比对以判断所述原资信关系网络中是否存在所述多个目标用户。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.
所述第一更新单元1052用于将存在所述原资信关系网络中的目标用户的信息更新到所述原资信关系网络中与该已存在的目标用户相对应的联系人的位置上。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.
所述第一添加单元1053用于将不存在的目标用户的信息添加到所述原资信关系网络的新的联系人的位置上以构建所述用户的资信关系网络。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.
需要说明的是,所属领域的技术人员可以清楚地了解到,上述构建资信关系网络的装置100和各单元的具体实现过程以及效果,可以参考前述方法实施例中的相应描述,为了描述的方便和简洁,在此不再赘述。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.
请参阅图7,其为本发明另一实施例提供的一种构建资信关系网络的装置200的示意性框图。如图7所示,本发明另一实施例提供的一种构建资信关系网络的装置200是在上述实施例的基础上增加了第一数据库更新单元205,即所述装置200包括第二判断单元201、第二生成单元202、第二检测单元203、第二获取单元204、第一数据库更新单元205以及第二构建单元206。其中,该第二判断单元201、第二生成单元202、第二检测单元203、第二获取单元204以及第二构建单元206与上述实施例中的第一判断单元101、第一生成单元102、第一检测单元103、第一获取单元104以及第一构建单元105类似,由于其应用过程以及相应功能与上述实施例中所对应的单元类似,在此不再赘述。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.
所述第一数据库更新单元205用于利用所获取的多个目标用户的信息更新资信系统的用户数据库。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.
其中,所述用户数据库用于存储所述资信系统的所有用户信息及其资信关系网络,所述用户数据库为一关系型数据库。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.
需要说明的是,所属领域的技术人员可以清楚地了解到,上述装置200和各单元的具体实现过程以及效果,可以参考前述方法实施例中的相应描述,为了描述的方便和简洁,在此不再赘述。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.
请参阅图8,其为本发明又一实施例提供的一种构建资信关系网络的装置300的示意性框图。如图8所示,本发明另一实施例提供的一种构建资信关系网络的装置300,所述装置300包括第三判断单元301、第三生成单元302、第三检测单元303、第三获取单元304、第二数据库更新单元305以及第三构建单元306。其中,该第三判断单元301、第三生成单元302、第三检测单元303、第三获取单元304与上述实施例中的第一判断单元101、第一生成单元102、第一检测单元103、第一获取单元104类似,由于其应用过程以及相应功能与上述实施例中所对应的单元类似,在此不再赘述。其中,所述第二数据库更新单元305包括查询单元3051、第二更新单元3052以及第二添加单元3053;所述第三构建单元306包括查找单元3061、第三添加单元3062以及第四添加单元3063。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 .
所述查询单元3051用于利用所获取的多个目标用户的信息在所述用户数据库中进行查询以判断所述用户数据库中是否存在与所述多个目标用户的信息相匹配的用户。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.
其中,所述用户数据库用于存储资信系统的所有用户信息及其资信关系网络。Wherein, the user database is used to store all user information of the credit system and its credit relationship network.
所述第二更新单元3052用于将与所述用户数据库中的用户所匹配的目标用户的信息更新到所述用户数据库中与该多个目标用户相对应的用户的位置上。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.
所述第二添加单元3053用于将与所述用户数据库中的用户均不匹配的目标用户的信息添加到所述用户数据库中。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.
所述查找单元3061用于利用与所述用户数据库中的用户所匹配的目标用户的信息在所述用户数据库中查找与该多个目标用户所对应的行为信息。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.
所述第三添加单元3062用于将所查找的行为信息一一添加到所述用户的原资信关系网络中与该行为信息相对应的联系人的位置上以构建所述用户的资信关系网络。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.
所述第四添加单元3063用于将与所述用户数据库中的用户均不匹配的目标用户的信息添加到用户的原资信关系网络的新的联系人的位置上以构建所述用户的资信关系网络。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.
需要说明的是,所属领域的技术人员可以清楚地了解到,上述装置300和各单元的具体实现过程以及效果,可以参考前述方法实施例中的相应描述,为了描述的方便和简洁,在此不再赘述。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.
上述装置可以实现为一种计算机程序的形式,该计算机程序可以在如图9所示的计算机设备上运行。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 .
请参阅图9,其为本发明实施例提供的一种计算机设备的示意性框图。该计算机设备600可以是终端,也可以是服务器,其中,终端可以是智能手机、平板电脑、笔记本电脑、台式电脑和个人数字助理等电子设备。服务器可以是独立的服务器,也可以是多个服务器组成的服务器集群。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.
参阅图9,该计算机设备600包括通过系统总线601连接的处理器602、存储器和网络接口605,其中,存储器可以包括非易失性存储介质603和内存储器604。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 .
该非易失性存储介质603可存储操作系统6031和计算机程序6032。该计算机程序6032包括程序指令,该程序指令被执行时,可使得处理器602执行一种构建资信关系网络的方法。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.
该处理器602用于提供计算和控制能力,以支撑整个计算机设备600的运行。The processor 602 is used to provide computing and control capabilities to support the operation of the entire computer device 600 .
该内存储器604为非易失性存储介质603中的计算机程序6032的运行提供环境,该计算机程序6032被处理器602执行时,可使得处理器602执行一种构建资信关系网络的方法。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.
该网络接口605用于与其它设备进行网络通信。本领域技术人员可以理解,图9中示出的结构,仅仅是与本申请方案相关的部分结构的框图,并不构成对本申请方案所应用于其上的计算机设备600的限定,具体的计算机设备600可以包括比图中所示更多或更少的部件,或者组合某些部件,或者具有不同的部件布置。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.
其中,所述处理器602用于运行存储在存储器中的计算机程序6032,以实现如下步骤:判断是否接收到来自用户的申请;若接收到来自用户的申请,根据所述申请生成与用户对应的分享链接;其中,所述分享链接包括助力二维码以及用于提示用户的助力规则;所述助力二维码包括用户ID信息;所述助力规则为根据用户分享所述二维码后的成功助力人数对应增加所述用户的信用值的规则;检测所述助力二维码是否被成功扫描;若所述助力二维码被成功扫描,实时获取成功扫描所述助力二维码的多个目标用户的信息;以及利用所获取的多个目标用户的信息构建所述用户的资信关系网络;其中,所述资信关系网络为所述用户与所述多个目标用户的社交关系网络图。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.
在一实施例中,处理器602在实现所述利用所获取的多个目标用户的信息构建所述用户的资信关系网络的步骤时,具体实现如下步骤:将所获取的多个目标用户的信息与所述用户的原资信关系网络中的联系人信息一一进行比对以判断所述原资信关系网络中是否存在所述多个目标用户;将存在所述原资信关系网络中的目标用户的信息更新到所述原资信关系网络中与该已存在的目标用户相对应的联系人的位置上;以及将不存在的目标用户的信息添加到所述原资信关系网络的新的联系人的位置上以构建所述用户的资信关系网络。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.
在一实施例中,处理器602在实现所述利用所获取的多个目标用户的信息构建所述用户的资信关系网络的步骤之前,具体还实现如下步骤:利用所获取的多个目标用户的信息更新资信系统的用户数据库;其中,所述用户数据库用于存储所述资信系统的所有用户信息及其资信关系网络。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.
在一实施例中,处理器602在实现所述利用所获取的多个目标用户的信息更新资信系统的用户数据库的步骤时,具体实现如下步骤:利用所获取的多个目标用户的信息在所述用户数据库中进行查询以判断所述用户数据库中是否存在与所述多个目标用户的信息相匹配的用户;将与所述用户数据库中的用户所匹配的目标用户的信息更新到所述用户数据库中与该目标用户相对应的用户的位置上;以及将与所述用户数据库中的用户均不匹配的目标用户的信息添加到所述用户数据库中。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.
在一实施例中,处理器602在实现所述利用所获取的多个目标用户的信息构建所述用户的资信关系网络的步骤时,具体还实现如下步骤:利用与所述用户数据库中的用户所匹配的目标用户的信息在所述用户数据库中查找与该目标用户所对应的行为信息;将所查找的行为信息一一添加到所述用户的原资信关系网络中与该行为信息相对应的联系人的位置上以构建所述用户的资信关系网络;以及将与所述用户数据库中的用户均不匹配的目标用户的信息添加到用户的原资信关系网络的新的联系人的位置上以构建所述用户的资信关系网络。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.
应当理解,在本发明实施例中,处理器602可以是中央处理单元(CentralProcessing Unit,CPU),该处理器602还可以是其他通用处理器、数字信号处理器(DigitalSignal Processor,DSP)、专用集成电路(Application Specific Integrated Circuit,ASIC)、现成可编程门阵列(Field-Programmable GateArray,FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。其中,通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。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.
本领域普通技术人员可以理解的是实现上述实施例的方法中的全部或部分流程,是可以通过计算机程序来指令相关的硬件来完成。该计算机程序包括程序指令,计算机程序可存储于一存储介质中,该存储介质为存储介质。该程序指令被该计算机系统中的至少一个处理器执行,以实现上述方法的实施例的流程步骤。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.
因此,本发明还提供一种计算机可读存储介质。该计算机可读存储介质存储有计算机程序,其中计算机程序包括程序指令。该程序指令被处理器执行时使处理器执行如上所述的构建资信关系网络的方法。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.
所述存储介质可以是U盘、移动硬盘、只读存储器(Read-Only Memory,ROM)、磁碟或者光盘等各种可以存储程序代码的存储介质。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.
本领域普通技术人员可以意识到,结合本文中所公开的实施例描述的各示例的单元及算法步骤,能够以电子硬件、计算机软件或者二者的结合来实现,为了清楚地说明硬件和软件的可互换性,在上述说明中已经按照功能一般性地描述了各示例的组成及步骤。这些功能究竟以硬件还是软件方式来执行,取决于技术方案的特定应用和设计约束条件。专业技术人员可以对每个特定的应用来使用不同方法来实现所描述的功能,但是这种实现不应认为超出本发明的范围。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.
在本发明所提供的几个实施例中,应该理解到,所揭露的装置和方法,可以通过其它的方式实现。例如,以上所描述的装置实施例仅仅是示意性的。例如,各个单元的划分,仅仅为一种逻辑功能划分,实际实现时可以有另外的划分方式。例如多个单元或组件可以结合或者可以集成到另一个系统,或一些特征可以忽略,或不执行。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.
本发明实施例方法中的步骤可以根据实际需要进行顺序调整、合并和删减。本发明实施例装置中的单元可以根据实际需要进行合并、划分和删减。另外,在本发明各个实施例中的各功能单元可以集成在一个处理单元中,也可以是各个单元单独物理存在,也可以是两个或两个以上单元集成在一个单元中。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.
该集成的单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时,可以存储在一个存储介质中。基于这样的理解,本发明的技术方案本质上或者说对现有技术做出贡献的部分,或者该技术方案的全部或部分可以以软件产品的形式体现出来,该计算机软件产品存储在一个存储介质中,包括若干指令用以使得一台计算机设备(可以是个人计算机,终端,或者网络设备等)执行本发明各个实施例所述方法的全部或部分步骤。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.
以上所述,仅为本发明的具体实施方式,但本发明的保护范围并不局限于此,任何熟悉本技术领域的技术人员在本发明揭露的技术范围内,可轻易想到各种等效的修改或替换,这些修改或替换都应涵盖在本发明的保护范围之内。因此,本发明的保护范围应以权利要求的保护范围为准。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.
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