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
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
Technical Field
The invention relates to the technical field of social relationship networks, in particular to a method, a device, equipment and a storage medium for constructing a credit worthiness relationship network.
Background
With the rapid development of the economy of China, the personal credit score evaluation service of the consumption financial credit industry and credit worthiness institutions of China is developed rapidly, the personal credit industry and the personal credit risk evaluation service industry become hot spots of financial market competition with huge market potential and higher expected income, each financial institution takes the development consumption loan as an important component of the development strategy, and the main risk faced in the operation process is the credit risk. For example, financial institutions each year suffer a large loss of funds due to loans to users with low repayment of credit. Therefore, when the financial institution in China develops the consumption credit business, most processes are to credit the borrower before each loan occurs, the loan is given within the credit line range, and the user is ensured to have enough loan repayment capability. When the financial institution grants the credit to the borrower, the credit level of the borrower needs to be analyzed and judged, wherein the credit level of the borrower can be analyzed and evaluated and relevant judgment can be made through a credit worthiness network of the borrower in a credit worthiness system established by the financial institution. At present, the establishment of the credit worthiness network of the borrower in the credit worthiness system is mainly established by using contact information actively submitted by the borrower, namely, the relationship network of the borrower is mainly established by means of the borrower actively inputting the contact information in an application program of a client, wherein the contact information mainly comprises names and mobile phone numbers of the contacts. The method for passively establishing the credit worthiness network of the borrower has the following three defects that firstly, the established relation network is simple by means of the contact information manually input by the user; secondly, the authenticity of the contact information manually input by the user cannot be guaranteed; thirdly, because the contact information needs to be actively input by the user at the client of the application program, the input quantity is limited, and generally, the number of the contact information is not more than three.
Disclosure of Invention
The embodiment of the invention provides a method, a device, equipment and a storage medium for constructing a credit worthiness network, which are convenient for quickly and conveniently establishing the credit worthiness network of a user.
In a first aspect, an embodiment of the present invention provides a method for constructing a credit worthiness network, including:
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.
In a second aspect, an embodiment of the present invention further provides a device for constructing a credit worthiness network, including:
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.
In a third aspect, an embodiment of the present invention further provides a computer device, where the computer device includes a memory and a processor, where the memory stores a computer program, and the processor implements the method in the first aspect when executing the computer program.
In a fourth aspect, the present invention also provides a computer-readable storage medium, in which a computer program is stored, the computer program including program instructions, which when executed by a processor, implement the method of the first aspect.
The embodiment of the invention provides a method, a device, equipment and a storage medium for constructing a credit worthiness network. The embodiment of the invention can overcome the problem that the establishment of the credit worthiness network of the user needs to be manually input by the user and the problem that the authenticity of the input contact information cannot be ensured in the prior art, and the embodiment of the invention can collect the information of friends in social circles such as WeChat of the user under the condition that the user does not sense the information, and the data source is real and reliable; the information of a plurality of friends of the user is actively acquired by utilizing the sharing and promotion function of the application program and the scanning authorization behavior of the social friends, the credit worthiness network of the user is conveniently and quickly established, the user does not need to passively input contact information, the credit worthiness network of the user can be actively collected and established, the data volume of the contacts is unlimited, the credit worthiness network of the user and the user data of a credit worthiness system can be effectively enriched, more scientific analysis and judgment can be made for the user loan application, the risk of credit and loan is effectively reduced, and the purpose of risk control is realized.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic flow chart of a method for constructing a credit worthiness network according to an embodiment of the present invention;
fig. 2 is a sub-flow diagram of a method for constructing a credit worthiness network according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of a method for constructing a credit worthiness network according to another embodiment of the present invention;
fig. 4 is a flowchart illustrating a method for constructing a credit worthiness network according to another embodiment of the present invention;
fig. 5 is a schematic block diagram of an apparatus for constructing a credit worthiness network according to an embodiment of the present invention;
fig. 6 is a schematic block diagram of a first constructing unit of an apparatus for constructing a credit worthiness network according to an embodiment of the present invention;
fig. 7 is a schematic block diagram of an apparatus for constructing a credit worthiness network according to another embodiment of the present invention;
fig. 8 is a schematic block diagram of an apparatus for constructing a credit worthiness network according to yet 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 Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
Please refer to fig. 1, which is a schematic flowchart illustrating a method for constructing a credit worthiness network according to an embodiment of the present invention. The method for constructing the credit worthiness relationship network can be operated in a terminal or a server, wherein the terminal can 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 a plurality of servers. As shown in fig. 1, the method may include steps S101 to S105.
S101, judging whether an application from a user is received.
The applications include loan applications, such as applications for financial loan products such as credit, consumer loan, and reservation applications, such as applications for pre-sold goods, limited goods, and limited-time rush-purchase goods. Specifically, the user may input personal information related to the application on a related application program or a browser of the client, and click to submit a corresponding application request, that is, the related application program or the browser of the client receives the application from the user, that is, it may be determined that the application from the user exists. For example, the user fills out application information for applying for credit loan on the loan product through a financial app installed on the client, and clicks on the confirmation application.
And S102, if an application from a user is received, generating a sharing link corresponding to the user 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. Specifically, in this embodiment, when there is an application from a user, a sharing link uniquely corresponding to the user may be generated according to the application, where the sharing link includes a power-assisted two-dimensional code including personal ID information of the user and a power-assisted rule for prompting the user, and the power-assisted rule is used to prompt the user to share the generated power-assisted two-dimensional code, which is specific to the user, in a social circle such as WeChat, QQ, and the like of the user by using a related application program of a client or a sharing and pushing function on a browser, so that a friend in the social circle such as WeChat, QQ, and the like of the user can recognize the power-assisted two-dimensional code by pointing, to increase a credit value for the user, and in an embodiment, before the friend in the social circle such as WeChat, QQ, and the like recognizes the power-assisted two-dimensional code, the friend can obtain related rights of the friend in the social circle such as WeChat, Q, And the authorization of related rights on the social circles such as QQ and the like can be realized, so that the personal information of each assistance friend can be obtained. Therefore, a user can actively share the sharing link which is uniquely corresponding to the user and is linked to the WeChat, QQ and other social circles of the user, corresponding credit values can be obtained for the user through the click assistance of a plurality of friends of the user, the success rate of the user in application of related commodities can be improved, the credit worthiness relationship network of the user can be established by utilizing the obtained information of the plurality of friends, and the purposes of brand marketing, customer service, customer obtaining and the like can be further achieved in the Internet and the social circles. As social media represented by WeChat have been developed, most of the attention of target users is attracted to the social media. In the era of mobile internet, where the attention of a target user is, a promotion marketing channel is, and the promotion marketing activities of enterprises have a tendency of shifting from offline to online, so that a plurality of friends of the user can be obtained from social circles such as WeChat and the like by means of the strength of the era of mobile internet, a credit worthiness network of the user is constructed, the credit worthiness network can be analyzed to give corresponding credit evaluations to the user, the credit evaluation can be utilized to determine the credit level of the user, the purpose of providing corresponding products for the user in a corresponding credit granting range is achieved, and corresponding credit credits can be provided for the user in the credit granting range.
In an embodiment, the assistance rule is a rule that the number of successful assistance people of the two-dimensional code and the credit value corresponding to the successful assistance people are in positive gradient change, and specifically, if the two-dimensional code successfully shares 3 good-credit friends, a credit value of 7 points can be added to the user; if the two-dimension code successfully shares 5 good-credit friends, a credit value of 9 points can be added to the user; by analogy, if the two-dimensional code successfully shares 7 good-credit friends, 11 credit scores can be added to the user; wherein the upper limit value of the credit value is 50 minutes.
S103, detecting whether the power-assisted two-dimensional code is scanned successfully or not.
Specifically, as seen from the assistance two-dimensional code and the assistance rule generated in step S102, in an embodiment, for example, in this embodiment, the user may select to actively share the sharing link, share the generated exclusive assistance two-dimensional code of the user to the social circles such as WeChat and QQ, and further enable friends on the social circles such as WeChat and QQ to increase a credit value for the user by identifying the assistance two-dimensional code through click, so as to increase the credit value of the user to increase the success rate of the application. Therefore, it is necessary to detect whether the assisted two-dimensional code is successfully scanned. In an embodiment, before a plurality of friends on a social circle such as WeChat and QQ of a user click and recognize the assisted two-dimensional code, whether the friend allows the application program to acquire the related rights of the friend on the social circle such as WeChat and QQ of the user can be prompted to obtain the authorization of the related rights of the friend on the social circle such as WeChat and QQ of the user, and when the permission of the user is detected, the assisted two-dimensional code is determined to be successfully scanned, so that the personal information of the plurality of friends can be acquired in real time by obtaining the authorization of the related rights of each assisted friend on the social circle such as WeChat and QQ.
And S104, 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.
Specifically, if it is detected that the assisted two-dimensional code is successfully scanned, authorization of related permissions of multiple friends of the user on social circles such as WeChat and QQ can be obtained, and then a user client can obtain information of multiple target users who successfully scan the assisted two-dimensional code in real time, wherein the information is personal information of the multiple target users. The personal information comprises basic personal information such as a mobile phone number, a WeChat nickname, gender, the geographic position and the like. For example, when a user a shares an exclusive assistance two-dimensional code to a WeChat social circle, friend users B and C of the user a respectively open the two-dimensional code on the WeChat social circle, whether the users B and C grant authority to access the WeChat is prompted before assistance is performed after the two-dimensional code is recognized, and after permission of the users B and C is obtained, the users B and C are indicated to successfully scan the two-dimensional code to perform assistance on the user A, and further, corresponding personal information of the users B and C on the WeChat can be obtained. In an embodiment, the obtained information of a plurality of target users can be stored in a relational database, so that data reading is more convenient, the reading speed is higher, and the information storage is safer.
And S105, constructing the 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. Specifically, the information of the plurality of target users may be used to construct a credit worthiness relationship network of the user, that is, a social relationship network of the user. The step is implemented mainly by comparing the acquired information of a plurality of target users with the contact information in the original credit standing relationship network of the user one by one so as to inquire and judge whether the plurality of target users exist in the contact information of the user; and then directly updating the information of the existing target users to the positions of the corresponding contacts, and directly adding the information of the nonexistent target users to the contact list of the user to construct the credit worthiness relationship network of the user. For example, continuing to take the example in step 103 as an example, after the user a shares the dedicated assisted two-dimensional code, the friend users B and C respectively open the two-dimensional code and scan and identify the two-dimensional code successfully, and acquire the personal information of the users B and C on the WeChat, in this embodiment, the contact information of the user a is correspondingly queried by using the personal information of the users B and C on the WeChat, and then the contact information of the user a is determined whether the information of the users B and C exists in the contact information of the user a by comparison; if the information of the user B exists, the information of the user B is directly updated to the corresponding position of the contact person user B of the user A; if the information of the user C does not exist, the information of the user C is directly added into the contact person information of the user A, so that the credit worthiness network of the user A can be constructed, namely, the credit value of the user can be evaluated and judged by utilizing the information of a plurality of friends on the contact person list through updating and adding the contact person list on the credit worthiness network of the user A. In an embodiment, credit values corresponding to the friends are obtained according to the obtained information of the friends on the contact list, and the credit values corresponding to the friends are used for evaluating and judging the credit value of the user.
In the embodiment, the sharing assistance two-dimensional code special for the user is generated by utilizing the application page of the user for applying for the commodity on the application program or the browser, the assistance rule is designed to encourage the user to select the friends on the social circle of the user to assist in assistance so as to improve the credit value of the user and the success rate of applying for the commodity, the action of sharing the social circle by the user is utilized to actively acquire the social friends and the personal information of the social friends of the user, the credit worthiness network of the user can be actively constructed by utilizing the personal information of the social friends of the user, the problem that the credit worthiness network of the user needs to be manually input by the user and the authenticity of the input contact information cannot be ensured in the prior art are overcome, and the information of the friends in the social circle such as the WeChat of the user can be collected under the condition that the user does not sense, the data source is real and reliable; actively acquiring information of a plurality of friends of the user by utilizing a sharing and promotion function of an application program and a scanning authorization behavior of social friends, and quickly establishing a credit worthiness relationship network of the user without passively inputting contact information by the user; the credit worthiness network is actively collected and established, the data volume of the contact persons is unlimited, the credit worthiness network of the user and the user data of a credit worthiness system can be effectively enriched, more scientific analysis and judgment can be made on user loan application, and the risk of credit granting and loan is effectively reduced.
Referring to fig. 2, which is a sub-flow diagram illustrating a method for constructing a credit worthiness network according to an embodiment of the present invention, as shown in fig. 2, the step S105 of constructing the credit worthiness network of the user by using the obtained information of the plurality of target users specifically includes the following steps S1051 to S1053.
S1051, comparing the acquired information of a plurality of target users with the contact information in the original credit worthiness network of the user one by one to judge whether the plurality of target users exist in the original credit worthiness network.
Specifically, the original credit worthiness network of the user is a credit worthiness network established by the user before the embodiment of the present invention is implemented, and in an embodiment, the original credit worthiness network is a credit worthiness network established by a manual input mode of the user, and at least one contact person may exist in the credit worthiness network; after the embodiment of the present disclosure is implemented, at least one target user may exist in a contact list of an original credit worthiness network of the user for the obtained multiple target users, and therefore, the obtained information of the multiple target users needs to be compared with the contact information in the original credit worthiness network of the user one by one to determine whether the multiple target users exist in the contact list, and then corresponding processing is performed on the existing target users and the non-existing target users to construct the credit worthiness network of the user.
S1052, 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.
Specifically, if the target user exists in the contact list by comparison, the obtained information about the target user may be updated to the position of the contact corresponding to the target user, for example, if the information about the user in the original credit worthiness network only includes a name and a contact way, the obtained information about the address position, the nickname, the gender, and the like of the user may be updated to the position of the contact corresponding to the user; or if the contact way of the user is changed, the contact way of the user in the original credit worthiness network can be updated.
S1053, adding the nonexistent information of the target user to the position of the new contact of the original credit worthiness network to construct the credit worthiness network of the user.
Specifically, if 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 a new contact of the credit worthiness network of the user to construct the credit worthiness network of the user.
Please refer to fig. 3, which is a flowchart illustrating a method for constructing a credit worthiness network according to another embodiment of the present invention. As shown in fig. 3, the method may include steps S201-S206. Steps S201 to S204 and S206 are similar to steps S101 to S105 in the above embodiments, and are not described again here. The step S205 added in the present embodiment is explained in detail below.
And S205, 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 a credit worthiness network thereof, and the user database is a relational database. Specifically, in an embodiment, the step is implemented by mainly querying the user database by using the obtained information of the plurality of target users to determine whether a user matching the information of the plurality of target users exists in the user database; if the user matched with the information of the target users is judged to exist, the information of the target users is updated to the positions of the users corresponding to the target users in the user database so as to update the user database of the credit worthiness system; and if the user matched with the information of the target users does not exist, adding the information of the target users into the user database to update the user database of the credit worthiness system.
In the embodiment, the sharing assistance two-dimensional code special for the user is generated by using the application page of the user applying for the commodity on the application program or the browser, the assistance rule is designed to encourage the user to select the friends on the social circle of the user to assist in assistance so as to improve the credit value of the user and the success rate of applying for the commodity, the action of sharing the social circle by the user is further used for actively acquiring the social friends of the user and the personal information of the social friends, and the personal information of the social friends of the user can be further used for updating the user database of the credit worthiness system. According to the embodiment of the scheme, more client resources can be obtained, and the purposes of brand marketing, client service, promotion marketing and the like can be achieved in the Internet and a social circle.
Please refer to fig. 4, which is a flowchart illustrating a method for constructing a credit worthiness network according to another embodiment of the present invention. As shown in FIG. 4, the method may include steps S301-S310. Steps S201 to S204 are similar to steps S101 to S104 in the above embodiments, and are not described herein again. The steps S305 to S310 in the present embodiment are explained in detail below.
S305, inquiring in the user database by using the acquired information of the target users to judge whether the user database has a user matched with the information of the target users.
The user database is used for storing all user information of the credit worthiness system and the credit worthiness relationship network. Specifically, continuing with the example in step 103, after the user a shares the dedicated assisted two-dimensional code, the friend users B and C respectively open the two-dimensional code and scan and identify the two-dimensional code successfully, and acquire the personal information of the users B and C on the WeChat, and query the user database by using the acquired personal information of the users B and C, that is, compare the acquired personal information of the users B and C with all the user information stored in the user database of the credit worthiness system one by one to determine whether the acquired multiple target users are potential clients.
S306, updating the information of the target users matched with the users in the user database to the positions of the users corresponding to the target users in the user database.
Specifically, if a user matched with the acquired target user is matched in a user database of the credit worthiness system, the information of the target user matched with the user is updated to the credit worthiness relationship network of the user, for example, if the information of the user B is matched in the user database, the acquired information of the user B is also available in a plurality of target users, and further, the personal information of the user B on a social circle such as WeChat and the like, which is just acquired, can be updated to the credit worthiness relationship network of the user B in the user database, so that timely updating of data is ensured, the personal information of more users can be acquired, and credit evaluation of subsequent users is facilitated.
S307, adding the information of the target users which are not matched with the users in the user database into the user database.
Specifically, if the user matched with the acquired target user cannot be matched in the user database of the credit worthiness system, the information of the target user unmatched with all the users in the user database is directly added into the user database, for example, if the information of the user C cannot be matched in the user database, the acquired information of the user C is available in a plurality of target users, and further the personal information of the user C which is just acquired in a social circle such as WeChat can be directly added into the user database, so that more client resources can be acquired, and the subsequent business opening of a salesman is facilitated.
S308, searching behavior information corresponding to the target users in the user database by using the information of the target users matched with the users in the user database.
If the information of the user B exists, the order database in the credit worthiness system is combined to search the order information corresponding to the obtained information of the user B according to the obtained information of the user B.
S309, adding the searched behavior information to the positions of the contacts 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.
Specifically, the found behavior information of the user B may be added to the location of the contact corresponding to the behavior information in the credit worthiness network of the user a to construct the credit worthiness network of the user a, that is, the order information of the user B may be added to the location corresponding to the user B in the credit worthiness network of the user a. In this embodiment, the credit worthiness relationship network added with the existing behavior information of the user B can be used for checking the behavior information of the contact B associated with the user a, and provides data basis for wind control and credit. For example, the wind control system regularly checks whether the spouse has outstanding loan or overdue loan, and the like, and can be quickly matched in the credit worthiness network to judge the credit condition of the contact B of the user A, and the credit staff can use the credit worthiness network to obtain data in the service process at a glance.
S310, adding the information of the target users which are not matched with the users in the user database to the positions of new contacts of the original credit worthiness network of the users to construct the credit worthiness network of the users.
In the embodiment, the sharing assistance two-dimensional code special for the user is generated by utilizing the application page of the commodity applied by the user on the application program or the browser, and the design of the assistance rules encourages the user to select friends on the user social circle to assist in assistance so as to improve the credit value of the user and the success rate of applying for commodities, the action that the user shares the social circle is further utilized to actively acquire the social friends of the user and the personal information of the social friends, and further can utilize the personal information of the user social friends to actively construct the credit worthiness relationship network of the user, wherein, the user can utilize the personal information of the social friends of the user to search the behavior information of the friends in the user database and the order database, and then adding the behavior information to the position corresponding to the friend in the credit worthiness network of the user to construct the credit worthiness network of the user. By implementing the method and the system, the acquired friend behavior information of the user can be added to the position corresponding to the friend in the credit worthiness network of the user, and the method and the system can be used for checking the historical behavior information of the friend related to the user and providing data basis for controlling and crediting. For example, whether a spouse has outstanding loans or overdue loans or the like is regularly checked in the wind control system, the credit situation of the contact of the user can be quickly matched in the credit worthiness relationship network, the data acquisition of the credit worthiness relationship network by using the credit worthiness relationship network in the service process is also clear at a glance by a post-loan person, the credit worthiness relationship network of the user and the user data of the credit worthiness system can be effectively enriched, more scientific analysis and judgment can be made on the user loan application, and the risk of credit and loan granting can be effectively reduced.
Please refer to fig. 5, which is a schematic block diagram of an apparatus 100 for constructing a credit worthiness network according to an embodiment of the present invention. As shown in fig. 5, the apparatus 100 for constructing a credit worthiness network corresponds to the method for constructing a credit worthiness network shown in fig. 1. The apparatus 100 for constructing a credit worthiness network includes a unit for executing the above method for constructing a credit worthiness network, and the apparatus 100 for constructing a credit worthiness network may be configured in a terminal or a server. The terminal can 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 a plurality of servers. Specifically, referring to fig. 5, the apparatus 100 for constructing a credit worthiness network includes a first determining unit 101, a first generating unit 102, a first detecting unit 103, a first obtaining unit 104, and a first constructing unit 105.
The first judging unit 101 is configured to judge whether an application from a user is received.
The applications include loan applications, such as applications for financial loan products such as credit, consumer loan, and reservation applications, such as applications for pre-sold goods, limited goods, and limited-time rush-purchase goods.
The first generating unit 102 is configured to generate 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. In an embodiment, the power-assisted rule is a rule that the number of successful power-assisted people of the two-dimensional code and the credit value corresponding to the number of successful power-assisted people are in positive gradient change.
The first detection unit 103 is configured to detect whether the assisted two-dimensional code is successfully scanned.
The first obtaining unit 104 is configured to obtain, in real time, information of a plurality of target users who successfully scan the assisted two-dimensional code if the assisted two-dimensional code is successfully scanned.
Specifically, the information of the target user includes basic personal information such as a mobile phone number, a nickname of the WeChat, a gender, a geographical location, and the like.
The first constructing unit 105 is configured to construct a credit worthiness network of the user by using the obtained 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. Specifically, the information of the plurality of target users may be used to construct a credit worthiness relationship network of the user, that is, a social relationship network of the user.
Please refer to fig. 6, which is a schematic block diagram of a first constructing unit 105 of an apparatus 100 for constructing a credit worthiness network according to an embodiment of the present invention, wherein the first constructing unit 105 includes an comparing unit 1051, a first updating unit 1052, and a first adding unit 1053.
The comparing unit 1051 is configured to compare the obtained information of the multiple target users with contact information in the original credit worthiness network of the user one by one to determine whether the multiple target users exist in the original credit worthiness network.
The first updating unit 1052 is configured to update the information of the target user existing in the original credit worthiness network to the location of the contact corresponding to the existing target user in the original credit worthiness network.
The first adding unit 1053 is configured to add information of a non-existing target user to a location of a new contact of the original credit worthiness network to construct the credit worthiness network of the user.
It should be noted that, as can be clearly understood by those skilled in the art, the specific implementation process and effect of the above apparatus 100 for constructing a credit worthiness network and each unit may refer to the corresponding description in the foregoing method embodiment, and for convenience and brevity of description, no further description is provided herein.
Please refer to fig. 7, which is a schematic block diagram of an apparatus 200 for constructing a credit worthiness network according to another embodiment of the present invention. As shown in fig. 7, in an apparatus 200 for constructing a credit worthiness network according to another embodiment of the present invention, a first database updating unit 205 is added on the basis of the above embodiment, that is, the apparatus 200 includes a second determining unit 201, a second generating unit 202, a second detecting unit 203, a second obtaining unit 204, a first database updating unit 205, and a second constructing unit 206. The second determining unit 201, the second generating unit 202, the second detecting unit 203, the second obtaining unit 204, and the second constructing unit 206 are similar to the first determining unit 101, the first generating unit 102, the first detecting unit 103, the first obtaining unit 104, and the first constructing unit 105 in the above embodiments, and since the application process and the corresponding functions are similar to those of the corresponding units in the above embodiments, they are not described again.
The first database updating unit 205 is configured to update the 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 a credit worthiness network thereof, and the user database is a relational database.
It should be noted that, as will be clear to those skilled in the art, specific implementation processes and effects of the apparatus 200 and the units may refer to corresponding descriptions in the foregoing method embodiments, and for convenience and brevity of description, no further description is provided herein.
Please refer to fig. 8, which is a block diagram illustrating an apparatus 300 for constructing a credit worthiness network according to another embodiment of the present invention. As shown in fig. 8, an apparatus 300 for constructing a credit worthiness network according to another embodiment of the present invention includes a third determining unit 301, a third generating unit 302, a third detecting unit 303, a third obtaining unit 304, a second database updating unit 305, and a third constructing unit 306. The third determining unit 301, the third generating unit 302, the third detecting unit 303, and the third obtaining unit 304 are similar to the first determining unit 101, the first generating unit 102, the first detecting unit 103, and the first obtaining unit 104 in the above embodiments, and since the application process and the corresponding functions thereof are similar to those of the corresponding units in the above embodiments, they are not described herein again. Wherein, the second database updating unit 305 comprises a query unit 3051, a second updating unit 3052 and a second adding unit 3053; the third constructing unit 306 includes a searching unit 3061, a third adding unit 3062, and a fourth adding unit 3063.
The querying unit 3051 is configured to query the user database by using the obtained information of the multiple target users to determine whether a user matching the information of the multiple target users exists in the user database.
The user database is used for storing all user information of the credit worthiness system and the credit worthiness relationship network.
The second updating unit 3052 is configured to update the information of the target user matched with the user in the user database to the location of the user corresponding to the plurality of target users in the user database.
The second adding unit 3053 is configured to add, to the user database, information of a target user that does not match any user in the user database.
The searching unit 3061 is configured to search the user database for behavior information corresponding to the 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 original credit worthiness network of the user one by one to construct the credit worthiness network of the user.
The fourth adding unit 3063 is configured to add information of the target user, which is not matched with any user in the user database, to a location of a new contact of the original credit worthiness network of the user to construct the credit worthiness network of the user.
It should be noted that, as will be clear to those skilled in the art, specific implementation processes and effects of the apparatus 300 and the units may refer to corresponding descriptions in the foregoing method embodiments, and for convenience and brevity of description, no further description is provided herein.
The above-described apparatus may be implemented in the form of a computer program which is executable on a computer device as shown in fig. 9.
Please refer to fig. 9, which is a schematic block diagram of a computer apparatus according to an embodiment of the present invention. The computer device 600 may be 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 may be an independent server or a server cluster composed of a plurality of servers.
Referring to fig. 9, the computer device 600 includes a processor 602, memory, and a network interface 605 connected by a system bus 601, where the memory may include a non-volatile storage medium 603 and an internal memory 604.
The non-volatile storage medium 603 may store an operating system 6031 and computer programs 6032. The computer program 6032 comprises program instructions that, when executed, cause the processor 602 to perform a method of constructing a credit worthiness network.
The processor 602 is used to provide computing and control capabilities to support the operation of the overall computer device 600.
The internal memory 604 provides an environment for the execution of a computer program 6032 on the non-volatile storage medium 603, which computer program 6032, when executed by the processor 602, causes the processor 602 to perform a method of building a credit worthiness network.
The network interface 605 is used for network communication with other devices. Those skilled in the art will appreciate that the configuration shown in fig. 9 is a block diagram of only a portion of the configuration associated with the present application and does not constitute a limitation of the computing device 600 upon which the present application may be applied, and that a particular computing device 600 may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
Wherein the processor 602 is configured to execute the computer program 6032 stored in the memory to perform the steps of: 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; 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.
In an embodiment, when the step of constructing the credit worthiness network of the user by using the obtained information of the plurality of target users is implemented, the processor 602 specifically implements the following steps: 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 adding the information of the non-existent target user to the position of a new contact of the original credit worthiness network to construct the credit worthiness network of the user.
In an embodiment, before implementing the step of constructing the credit worthiness network of the user by using the obtained information of the plurality of target users, the processor 602 further implements 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.
In an embodiment, when the step of updating the user database of the credit worthiness system by using the obtained information of the plurality of target users is implemented, the processor 602 specifically implements the following steps: 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 which are not matched with the users in the user database into the user database.
In an embodiment, when the processor 602 implements the step of constructing the credit worthiness network of the user by using the obtained information of the plurality of target users, the following steps are further implemented: 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 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.
It should be understood that, in the embodiment of the present invention, the Processor 602 may be a Central Processing Unit (CPU), and the Processor 602 may also be other general-purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field-Programmable gate arrays (FPGAs) or other Programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like. Wherein a general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
It will be understood by those skilled in the art that all or part of the flow of the method implementing the above embodiments may be implemented by a computer program instructing associated hardware. The computer program includes program instructions, and the computer program may be stored in a storage medium, which 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 embodiments of the method described above.
Accordingly, the present invention also provides a computer-readable storage medium. The computer readable storage medium stores a computer program, wherein the computer program comprises program instructions. The program instructions, when executed by the processor, cause the processor to perform the method of constructing a credit worthiness network as described above.
The storage medium may be a usb disk, a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, or an optical disk, which can store program codes.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative. For example, the division of each unit is only one logic function division, and there may be another division manner in actual implementation. For example, various elements 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 invention can be sequentially adjusted, combined and deleted according to actual needs. The units in the device of the embodiment of the invention can be merged, divided and deleted according to actual needs. In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a storage medium. Based on such understanding, the technical solution of the present invention essentially or partially contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a terminal, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention.
While the invention has been described with reference to specific embodiments, the invention is not limited thereto, and various equivalent modifications and substitutions can be easily made by those skilled in the art within the technical scope of the invention. Therefore, the protection scope of the present invention shall 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.
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