CN110675170A

CN110675170A - Credit-based certificate guarantee method and device

Info

Publication number: CN110675170A
Application number: CN201910927771.8A
Authority: CN
Inventors: 周健华; 李丰
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-09-27
Filing date: 2019-09-27
Publication date: 2020-01-10

Abstract

The embodiment of the specification provides a credit-based certificate guarantee method and a device, wherein the credit-based certificate guarantee method comprises the following steps: receiving a certificate guarantee request which is sent by a project platform bearing credit project operation and guarantees the certificate of a user; acquiring summary information of a certificate picture corresponding to a certificate name contained in a certificate list and user information of the user according to the user identification of the user and the certificate list of the certificate carried by the certificate guarantee request; coding the summary information and the user information to obtain a certificate guarantee code of the certificate list; and returning the certificate guarantee code to the project platform.

Description

Credit-based certificate guarantee method and device

Technical Field

The embodiment of the specification relates to the technical field of Internet, in particular to two credit-based certificate guarantee methods. One or more embodiments of the present description relate to both credit-based credential vouchers, both computing devices, and both computer-readable storage media.

Background

With the development of the internet, more and more service scenes are provided for users to provide certificate pictures, for example, identity cards and driver license pictures need to be uploaded when a shared automobile is rented. However, when a user uses a service, the situation that a certificate is not around often exists, that is, the user cannot provide a certificate picture, in this situation, a merchant will refuse the user to use the service, which brings a very poor service experience to the user, and in addition, when the user uploads the certificate picture for a certain service, the flow of uploading the certificate picture is long, and is not very friendly to the user, and the uploaded certificate picture also has a leakage risk, so that a faster or more reliable scheme needs to be provided.

Disclosure of Invention

In view of this, the embodiments of the present specification provide two credit-based certificate guaranty methods. One or more embodiments of the present specification relate to both of a credit-based credential vouching device, both of a computing device, and both of a computer-readable storage medium to address technical deficiencies in the prior art.

According to a first aspect of embodiments herein, there is provided a credit-based certificate vouching method, comprising:

receiving a certificate guarantee request which is sent by a project platform bearing credit project operation and guarantees the certificate of a user;

acquiring summary information of a certificate picture corresponding to a certificate name contained in a certificate list and user information of the user according to the user identification of the user and the certificate list of the certificate carried by the certificate guarantee request;

coding the summary information and the user information to obtain a certificate guarantee code of the certificate list;

and returning the certificate guarantee code to the project platform.

Optionally, after the step of receiving a certificate guarantee request for guaranteeing certificates of a user sent by an item platform running on a credit-bearing item is executed, and before the step of obtaining summary information of certificate pictures corresponding to certificate names included in the certificate list and user information of the user is executed according to a user identifier of the user and the certificate list of the certificates carried by the certificate guarantee request, the method further includes:

performing a credit assessment on the user based on the certificate vouching request;

and under the condition that the evaluation result of the credit evaluation is passed, executing the step of acquiring the summary information of the certificate picture corresponding to the certificate name contained in the certificate list and the user information of the user according to the user identification of the user and the certificate list of the certificate carried by the certificate guarantee request.

Optionally, before the step of receiving a certificate guarantee request for a certificate list of a user sent by a project platform running on a credit-bearing project is executed, the method further includes:

performing credit evaluation on the user under the condition that the user opens a certificate guarantee service;

receiving a certificate picture uploaded by the user under the condition that the evaluation result of the credit evaluation is passed;

performing information verification on certificate information obtained by identifying the certificate picture;

and under the condition that the verification result of the information verification is passed, storing the certificate picture and the certificate information in a database.

Optionally, the performing credit evaluation on the user includes:

acquiring identity information of a user and fulfillment information of a historical credit project participated by the user through a user identifier carried by the certificate guarantee request;

and performing credit assessment on the user according to the identity information and the fulfillment information.

Optionally, the performing information verification on the certificate information obtained by identifying the certificate picture includes:

identifying the certificate picture to obtain certificate information contained in the certificate picture;

and performing information verification according to the authenticity and the association relation of the certificate information.

Optionally, after the step of returning the certificate guarantee code to the project platform is executed, the method further includes:

receiving a query request which is sent by the project platform and used for querying the certificate picture;

carrying out security check on the certificate guarantee code carried by the query request;

under the condition that the verification result of the security verification is passed, analyzing the certificate guarantee code to obtain the summary information and the user information contained in the certificate guarantee code;

inquiring the certificate picture according to the summary information and the user information;

and returning the certificate picture to the project platform.

Optionally, after the step of returning the certificate picture to the project platform is executed, the method further includes:

and sending a query notice to the user, wherein the query notice is used for querying the certificate picture based on the certificate guarantee code.

marking the certificate guarantee code as a failure state;

and under the condition of receiving a secondary inquiry request of the certificate picture based on the certificate guarantee code, prompting that the certificate guarantee code is invalid.

and establishing an authorization relation between the certificate guarantee code and the credit item.

receiving a second credential vouching request for the credential of the user by a second item platform running on a second credit item;

and under the condition that the certificate guarantee code has an authorization relationship, the summary information and the user information are coded to obtain a second certificate guarantee code of the certificate.

According to a second aspect of embodiments herein, there is provided another credit-based certificate vouching method, including:

under the condition that a participation request for applying for participation in a credit project initiated by a user is received, determining a certificate list for participating in the credit project according to the project type of the credit project;

sending a certificate guarantee request to a certificate guarantee platform based on the certificate list;

and receiving a certificate guarantee code which is returned by the certificate guarantee platform and aims at the certificate picture corresponding to the certificate name contained in the certificate list.

According to a third aspect of embodiments herein, there is provided a credit-based document vouching device including:

the receiving module is configured to receive a certificate guarantee request which is sent by an item platform carrying credit item operation and guarantees the certificate of the user;

the acquisition module is configured to acquire summary information of a certificate picture corresponding to a certificate name contained in the certificate list and user information of the user according to the user identifier of the user and the certificate list of the certificate, which are carried by the certificate guarantee request;

the coding module is configured to code the summary information and the user information to obtain a certificate guarantee code of the certificate list;

a return module configured to return the credential vouch-for code to the project platform.

According to a fourth aspect of embodiments herein, there is provided another credit-based document vouching device including:

the system comprises a determining list module, a determining module and a credit item processing module, wherein the determining list module is configured to determine a certificate list for participating in a credit item according to an item type of the credit item under the condition that a participation request for applying for participating in the credit item initiated by a user is received;

a sending request module configured to send a credential vouching request to a credential vouching platform based on the credential list;

and the certificate guarantee code receiving module is configured to receive the certificate guarantee code of the certificate picture corresponding to the certificate name contained in the certificate list returned by the certificate guarantee platform.

According to a fifth aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

and returning the certificate guarantee code to the project platform.

According to a sixth aspect of embodiments herein, there is provided another computing device, comprising:

a memory and a processor;

According to a seventh aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, perform the steps of one of the credit-based credential vouching methods.

According to an eighth aspect of embodiments herein, there is provided another computer-readable storage medium storing computer-executable instructions that, when executed by a processor, perform the steps of another method of vouching for a credit-based certificate.

The present specification provides a credit-based certificate vouching method, comprising: receiving a certificate guarantee request which is sent by a project platform bearing credit project operation and guarantees the certificate of a user; acquiring summary information of a certificate picture corresponding to a certificate name contained in a certificate list and user information of the user according to the user identification of the user and the certificate list of the certificate carried by the certificate guarantee request; coding the summary information and the user information to obtain a certificate guarantee code of the certificate list; and returning the certificate guarantee code to the project platform.

One embodiment of the present specification realizes that, in a case of receiving a certificate guarantee request for guaranteeing a certificate of a user sent by an item platform that runs on a credit item, according to a user identifier of the user and a certificate list of the certificate, which are carried by the certificate guarantee request, summary information of a certificate picture corresponding to a certificate name included in the certificate list and user information of the user are encoded to obtain a certificate guarantee code of the certificate list, and the certificate guarantee code is returned to the item platform for guaranteeing the certificate of the user, thereby simplifying an operation flow of the user and facilitating improvement of security of the user information and the certificate picture.

The present specification provides another credit-based credential vouching method, comprising: under the condition that a participation request for applying for participation in a credit project initiated by a user is received, determining a certificate list for participating in the credit project according to the project type of the credit project; sending a certificate guarantee request to a certificate guarantee platform based on the certificate list; and receiving a certificate guarantee code which is returned by the certificate guarantee platform and aims at the certificate picture corresponding to the certificate name contained in the certificate list.

Another embodiment of the present specification realizes that, in a case of receiving a participation request for applying for participation in a credit item initiated by a user, a certificate list for participating in the credit item is determined according to an item type of the credit item, and a certificate guarantee request is sent to a certificate guarantee platform based on the certificate list, and a certificate guarantee code for a certificate picture corresponding to a certificate name included in the certificate list returned by the certificate guarantee platform is received, so that the certificate of the user is guaranteed by the certificate guarantee code without the user directly providing the certificate picture to the credit item, and the certificate of the user is guaranteed by the certificate guarantee code provided by the certificate guarantee platform, thereby providing an item service for the user, saving time for the user to upload the certificate picture, and improving item experience of the user participating in the credit item.

Drawings

FIG. 1 is a flow diagram of a method for credit-based credential vouching provided in one embodiment of the present specification;

FIG. 2 is a flow diagram of another method for credit-based credential vouching provided by one embodiment of the present specification;

FIG. 3 is a process flow diagram of a credit-based credential vouching method applied to a shared automotive project according to one embodiment of the present disclosure;

FIG. 4 is a schematic diagram of a credit-based credential vouching device according to one embodiment of the present disclosure;

FIG. 5 is a schematic diagram of another credit-based credential vouching device provided in one embodiment of the present specification;

FIG. 6 is a block diagram of a computing device, provided in one embodiment of the present description;

FIG. 7 is a block diagram of another computing device provided in one embodiment of the present description.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification 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 also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

In this specification, two credit-based credential vouching methods are provided, and one or more embodiments of the specification relate to both of the credit-based credential vouching device, both of the computing devices, and both of the computer-readable storage media, each of which is described in detail in the following embodiments.

The embodiment of the credit-based certificate guarantee method provided by the specification is as follows:

fig. 1 shows a flowchart of a credit-based certificate guaranty method according to an embodiment of the present description, including step S102 to step S108.

Step S102, receiving a certificate guarantee request for guaranteeing the certificate of the user, which is sent by a project platform carrying credit project operation.

The credit item is a credit item signed with a certificate guarantee protocol with the certificate guarantee platform, a user needs to provide corresponding certificates when applying for joining the items, and provides item service for the user only under the condition that the user provides the corresponding certificates, and if the user does not provide the certificates needed by the credit item, the user is refused to provide the service for the user; these credit items are in agreement with the credential vouchers provided by the credential vouchers platform to approve the credentials vouchers provided by the credential vouchers platform to the user, and the user does not need to provide these credentials directly to the credit items in the case that the credentials are provided by the credential vouchers platform.

Specifically, the credit items may be shared automobile items, ticket buying items, hotel items and the like which have a certificate guarantee agreement with the certificate guarantee platform and can be participated in by the user only when the user provides a certificate.

Correspondingly, the project platform may be a platform for bearing the running of credit projects such as a shared automobile project, a ticket buying project, a hotel project and the like, and in specific implementation, the project platform for bearing the running of the credit projects may be a project platform for simultaneously bearing a plurality of different credit projects, or a project platform for only bearing one credit project, and in addition, the project platform may also be a project platform for bearing the running of a plurality of credit projects, which is described as an example of the project platform for bearing only one credit project in the embodiments of the certificate and the present specification, and the specific implementation of the project platform for bearing the running of a plurality of credit projects is similar to that of the project platform for only bearing one credit project, and is not described herein again.

The user can be a project member participating in the credit project, and the user and the certificate guarantee platform sign a certificate guarantee protocol. The user's certificate includes resident identification card, temporary identification card, military officer card, retirement card, passport, colleague and hometown returning card, entry card of hong Kong and Macao, foreign person entry card, foreign officer card, college hall card, seaman card, etc.

The certificate guarantee request refers to a guarantee request for guaranteeing certificates of a user, in practical application, the user applies for participation in a credit project, a project platform bearing the credit project sends a certificate guarantee request to the certificate guarantee platform according to the certificates provided by the user, the certificate guarantee platform generates corresponding certificate guarantee codes for the certificates related to the certificate guarantee request based on the certificate guarantee request, and when the user needs to upload certificate pictures of the certificates, the user does not need to upload certificate pictures and can directly show or upload the certificate guarantee codes.

Specifically, the certificate guarantee code is a guarantee certificate of the certificate, in practical application, the certificate guarantee code is used for guaranteeing the certificate of the user, and the credit item in the item platform can acquire the corresponding certificate picture in the certificate guarantee platform through the certificate guarantee code.

Taking a shared automobile project signed with a certificate guarantee protocol with a certificate guarantee platform as an example, a user A applies for participating in the shared automobile project, and the shared automobile project requires the user A to provide an identity card and a driving license, so that the project platform bearing the shared automobile project can send a certificate guarantee request to the certificate guarantee platform and request the certificate guarantee platform to guarantee the identity card and the driving license of the user A.

In practical applications, in a process of guaranteeing a certificate of a user, the present specification relates to interaction between a project platform and a certificate guarantee platform, and in an optional implementation manner provided by an embodiment of the present specification, the credit-based certificate guarantee method further includes:

The certificate list is a collection of certificate names that a user needs to provide for a credit item, and is generally determined by an item type of the credit item that the user applies for participation, for example, a credit item of a shared automobile type needs the user to provide an identity certificate and a certificate picture of a driver's license, and then a certificate guarantee request for the certificate list of the user, which is sent by an item platform of the shared automobile item, is borne, wherein the certificate list is the identity card and the driver's license; and the ticket purchase item only needs the user to provide the certificate picture of the identity card, and then the item platform bearing the ticket purchase item sends a certificate guarantee request aiming at a certificate list of the user, wherein the certificate list is the identity card.

In practical application, a user initiates a participation request for participating in a credit item to a project platform bearing the credit item, based on the participation request, the certificate provided by the user for participating in the credit item, namely a certificate list containing a certificate name, is determined, based on the certificate list, a certificate guarantee request is sent to a certificate guarantee platform, based on the certificate list contained in the certificate guarantee request, the certificate guarantee code of a certificate picture corresponding to the certificate name contained in the certificate list is obtained by the certificate guarantee platform, and is returned to the project platform, and the project platform receives the certificate guarantee code, approves the certificate provided with guarantee for the user for participating in the credit item by using the certificate guarantee code, and further permits the user to participate in the credit item.

In the embodiment of the specification, on the basis of a participation request of a user for participating in a credit project, a certificate list which needs to be provided for the credit project by the user is determined, a certificate guarantee request is sent to a certificate guarantee platform based on the certificate list, a certificate guarantee code returned by the certificate guarantee platform is received, the user does not need to directly provide a certificate picture for the credit project, the certificate of the user can be guaranteed through the certificate guarantee code provided by the certificate guarantee platform, project service is provided for the user, time for uploading the certificate picture by the user is saved, and project experience of the user for participating in the credit project is improved.

In practical applications, a certificate guaranty platform may perform credit evaluation on a credit of a user before performing certificate guaranty on the user, and only when an evaluation result of the credit evaluation is passed, provides a certificate guaranty for the user, in an optional implementation manner provided in an embodiment of this specification, after the step of receiving a certificate guaranty request for guarantying a certificate of the user, which is sent by an item platform that carries a credit item, is performed, and before the step of acquiring summary information of a certificate picture corresponding to a certificate name included in the certificate list and user information of the user according to a user identifier of the user and a certificate list of the certificate, which are carried by the certificate guaranty request, is performed, the method further includes:

The credit evaluation refers to evaluating the credit of the user according to the information related to the user credit stored in the certificate guarantee platform, if the evaluation result of the credit evaluation on the user is passed, the following step of obtaining the summary information of the certificate picture corresponding to the certificate name contained in the certificate list according to the certificate list carried by the certificate guarantee request is executed, and if the evaluation result of the credit evaluation on the user is not passed, the certificate guarantee request sent by the credit platform is rejected, namely, the certificate guarantee is rejected for the certificate of the user.

Specifically, the credit evaluation may be represented by a score, and a higher score indicates a higher credibility, or may be represented by a different credit rating, and a higher rating indicates a higher credibility, which is not limited herein.

In practical application, the credit assessment of the user is to reduce or avoid disputes such as certificate counterfeiting and default caused by certificate guarantee of people who cannot identify clearly and/or people with poor performance records.

In the embodiment of the specification, after the certificate guarantee platform receives the certificate guarantee request for guaranteeing the certificate of the user, the credit evaluation is performed on the user, and under the condition that the evaluation result of the credit evaluation is passed, the certificate guarantee service is provided for the user, so that the security of the certificate guarantee is improved, and disputes such as certificate counterfeiting and default caused by providing the certificate guarantee for people with poor credit are avoided.

In addition to performing credit evaluation on the user after receiving the certificate guarantee request for the certificate list of the user sent by the project platform bearing a credit project operation, before the certificate guarantee platform does not receive the certificate guarantee request for the certificate list of the user by the project platform, the user may actively perform credit evaluation on the user in a case that the certificate guarantee platform starts a certificate guarantee service, in an optional implementation manner provided in this specification, before the step of receiving the certificate guarantee request for the certificate list of the user sent by the project platform bearing a credit project operation is performed, the method further includes:

In practical application, the certificate guarantee service is started, the certificate guarantee service can be started on a certificate guarantee platform by clicking a start button, a user can upload a certificate picture of the user on the certificate guarantee platform after the certificate guarantee service is started, the certificate guarantee platform can carry out information verification on certificate information contained in the certificate picture uploaded by the user, and the certificate picture and the certificate information are stored in a database of the certificate guarantee platform under the condition that a verification result of the information verification is passed, so that when the user participates in a credit project and needs to provide the certificate picture, the certificate guarantee platform can guarantee the user; and prompting the user to upload the correct certificate picture again under the condition that the verification result of the information verification is failed.

During specific implementation, each certificate is provided with at least one certificate picture, for example, the certificate picture to be uploaded by the identity card comprises an identity card front picture and an identity card back picture, and the certificate picture to be uploaded by the driver card comprises a driver card main page and a driver card auxiliary page.

The certificate information comprises character information contained in a certificate picture, and by taking an identity card as an example, the identity card picture is identified, the obtained certificate information comprises the name, the gender, the date of birth and the like of a user, the certificate information obtained by identifying the identity card is further verified, whether the name, the gender and the age of the identity card are consistent with the name, the gender and the age provided by the user during real-name authentication on a certificate guarantee platform is verified, if so, the verification result of the information verification is passed, the certificate picture and the certificate information are stored in a database, and if not, the verification result of the information verification is not passed, and the user is prompted to upload a correct certificate picture again or not to process the correct certificate picture.

In addition, in the specific implementation, the platform for performing credit evaluation on the user and storing the certificate picture and the certificate information may not be on the same platform, for example, the platform for performing credit evaluation on the user may be on a credit evaluation platform, and the platform for storing the certificate picture and the certificate information may be on a certificate storage platform, which is not limited herein.

In the embodiment of the specification, when the user opens the certificate guarantee service, the credit evaluation is performed on the user, disputes such as certificate counterfeiting and default caused by providing certificate guarantees for people with poor credit are avoided, information verification is performed on the certificate information obtained by identifying the certificate pictures uploaded by the user, so that the correctness of the certificate pictures uploaded by the user is ensured, the certificate pictures and the certificate information are stored on the basis of ensuring the correctness, so that a basis is provided for the user to guarantee the certificate guarantees subsequently, and after the user uploads a certain certificate picture once, the same certificate picture does not need to be uploaded again, so that the time of the user is saved, the process of participating in a credit project is simplified, and the credit experience of the user participating in the credit project is improved.

Specifically, how to perform credit evaluation on a user, in an optional implementation manner provided by an embodiment of this specification, the performing credit evaluation on the user is specifically implemented by using the following manner:

The user identification can be an account identification of a registered account of a user on a certificate guarantee platform, the account identification has uniqueness on the certificate guarantee platform, identity information submitted by the user on the certificate guarantee platform can be acquired through the credit account identification, and a fulfillment record of a credit project participated by the account corresponding to the account identification is acquired, specifically, the identity information comprises a name, a mobile phone number, bound bank card information and the like of the user; the performance information includes performance rate, default item type, etc., and in addition, other information related to the user credit may be obtained to evaluate the user, which is not limited herein.

Specifically, whether the user is authenticated, whether a bank card is bound, whether a mobile phone number, a performance rate, a default item type and the like are bound as evaluation items, different weights are respectively given to the evaluation items according to different service influence degrees, the sum of the scores of the evaluation items is calculated, and an overall score threshold is preset for the evaluation items, if the sum of the scores of the evaluation items does not meet the score threshold, it is determined that the evaluation result of the credit evaluation for the user does not pass, which indicates that the user cannot be confirmed as a trusted person, and if the sum of the scores of the evaluation items meets the score threshold, it is determined that the evaluation result of the credit evaluation for the user passes, which indicates that the user is confirmed as a trusted person, which can provide certificate guarantee for the user;

in addition, a score threshold value may be set for each score of each evaluation item, if the score of any one of the evaluation items does not satisfy the score threshold value of the item, the evaluation result of the credit evaluation performed on the user is failed, which indicates that the user cannot be confirmed as a trusted person, and if the total score of the evaluation items satisfies the score threshold value, the evaluation result of the credit evaluation performed on the user is passed, which indicates that the user is confirmed as a trusted person, which may provide a certificate guarantee for the user.

In the embodiment of the present specification, the evaluation of the credit of the user according to the acquired identity information and the acquired performance information is performed by evaluating the credit of the user according to the identity dimension and the performance dimension, and according to the user identity, the stability and performance capability of the user, or the willingness of performing, so as to guarantee the certificate of the user on the basis of passing the credit evaluation, thereby increasing the reliability of certificate guarantee.

In an optional implementation manner provided by the embodiment of this specification, the information verification performed on the certificate information obtained by identifying the certificate picture is specifically implemented in the following manner:

In specific implementation, the certificate picture is identified by Optical Character Recognition (OCR), so as to obtain the text information included in the certificate picture, i.e. the certificate information.

Specifically, the information verification is carried out on the certificate information contained in the certificate picture, the authenticity of the certificate can be checked on a relevant platform through the certificate number or the name in the certificate information, and meanwhile, the relevance between the uploaded certificate pictures is verified, for example, the identity card picture and the driving license picture are uploaded by a user, the authenticity of the identity card and the driving license can be verified respectively through the identity card number and the driving license number, and whether the identity card and the driving license are the user himself or herself is further verified through other certificate information such as the name and the like.

In practical application, the certificate picture and the certificate information are stored in the database only when the verification result of the information verification of the certificate information is passed, so that certificate guarantee is provided for a user subsequently, and the user can be prompted to upload a correct certificate picture again when the verification result of the information verification of the certificate information is failed.

The embodiment of the specification performs information verification on two aspects of authenticity and incidence relation of certificate information, avoids the condition that a certificate is incorrect due to certificate counterfeiting and wrong certificate picture uploading of a user, and further improves the reliability of certificate guarantee.

And step S104, acquiring the summary information of the certificate picture corresponding to the certificate name contained in the certificate list and the user information of the user according to the user identification of the user and the certificate list of the certificate carried by the certificate guarantee request.

In practical application, after the certificate guarantee platform receives a certificate guarantee request sent by an item platform carrying a credit item to run, the certificate guarantee platform acquires summary information of a certificate picture corresponding to a certificate name contained in the certificate list according to the certificate list carried in the certificate guarantee request and required to be provided by a user.

Specifically, the summary information may be a brief description of the certificate picture, for example, the summary information of the front picture of the identity card may be the front picture of the identity card, the summary information of the back picture of the identity card may be the back picture of the identity card, the summary information of the front page of the driving card may be the front page of the driving card, and the summary information of the sub-page of the driving card may be the sub-page of the driving card; the user information comprises user identification of the user on the certificate guarantee platform, the real name, the gender and/or the age of the user.

Taking the above-mentioned user a applying for participating in the above-mentioned shared automobile project as an example, the project platform bearing the shared automobile project sends a certificate guarantee request for guaranteeing the user's identity card and driving license to the certificate guarantee platform, requests the certificate guarantee platform to guarantee the user a's identity card and driving license, the User identification carried by the certificate guarantee request is User01, the certificate list of the carried User A certificate comprises the certificate names of ID card and driver's license, according to the User identification User01, the database inquires that the ID card picture corresponding to the User01 comprises an ID card front picture and an ID card back picture, the driver card picture corresponding to the User01 comprises a driver card main page picture and a driver card auxiliary page picture, further acquiring the summary information of the front picture of the identity card and the summary information of the back picture of the identity card corresponding to the User01, and obtaining the summary information of the driver license homepage picture and the summary information of the driver license assistant page picture corresponding to the User 01; besides, the real name, age and other information of the User A corresponding to the User01 are acquired.

And step S106, coding the summary information and the user information to obtain the certificate guarantee code of the certificate list.

In practical application, the obtained summary information and the user information are coded, the summary information and the user information are combined and displayed in a graphic mode, sensitive information of a user can be hidden, the sensitive information of the user is protected, and high-strength encryption can be adopted when the information is coded, so that the certificate guarantee code obtained by coding is unique and cannot be forged.

Specifically, the codes for encoding the summary information and the user information are various, and the certificate guarantee code formed after encoding may be a barcode, a two-dimensional code, a three-dimensional code, or the like, which is not limited herein.

In practical application, in order to improve the security of the certificate guarantee code, the certificate guarantee code is encrypted, and the certificate guarantee code is prevented from being cracked, and user information contained in the certificate guarantee code is prevented from being leaked.

And step S108, returning the certificate guarantee code to the project platform.

Specifically, the obtained certificate guarantee code is returned to the project platform, and the project platform considers that the certificate of the user is complete and correct and allows the user to use the service under the condition that the certificate guarantee code is received by the project platform.

In a specific implementation, after the certificate guaranty code is returned to the project platform by the certificate guaranty platform, an authorization relationship between the certificate guaranty code and the credit project is established at the certificate guaranty platform, and in an optional implementation manner provided in an embodiment of this specification, after the step of returning the certificate guaranty code to the project platform is executed, the method further includes:

Specifically, the establishing of the authorization relationship between the certificate guarantee code and the credit item may be adding an authorization record in a database, where the authorization record may include a certificate guarantee code identification field, an item identification field, and an authorization relationship field.

Taking the shared automobile project p01 as an example, an authorization relationship between the certificate guaranty code01 and the shared automobile project p01 is established, that is, an authorization record is added, wherein the certificate guaranty code is identified as code01, the project is identified as p01, and the authorization relationship is authorized.

In practical application, after the certificate guarantee code is returned to the project platform, the authorization relationship between the certificate guarantee code and the credit project can be established after the certificate guarantee code is obtained, so that the certificate guarantee code can be obtained only by the authorized credit project.

In the embodiment of the specification, after the certificate guarantee code is returned to the project platform, the authorization relationship between the certificate guarantee code and the credit project is established, so that the certificate guarantee code can be obtained only by authorized information projects, the condition that the certificate guarantee code is abused or the certificate guarantee code is leaked and other people acquire the information of the user is avoided, and the safety of user information and the certificate picture of the user is improved.

In practical applications, after a user applies for participation in one credit item, another credit item is also applied for participation in another credit item, and certificate pictures required by the two credit items are the same, so that on the basis of returning the certificate guarantee code to the project platform, in an optional implementation manner provided by an embodiment of the present specification, after the step of returning the certificate guarantee code to the project platform is executed, the method further includes:

The second credit item is different from the other credit items of the credit items, in practical application, after a user applies for participation in one credit item, the user also applies for participation in other credit items, certificate pictures required by the two credit items are the same, and when the user applies for participation in the first credit item, the user already has the certificate guarantee codes of the certificate pictures, but when the certificate guarantee code has other authorization relations, the user needs to be the second credit item, and codes are carried out through the summary information and the user information to obtain a new certificate guarantee code, namely the second certificate guarantee code.

In addition, the user directly generates the certificate guarantee code manually on the certificate guarantee platform, in this case, when the user applies for participating in the credit project, the generated certificate guarantee code is presented or uploaded, when the project platform scans the certificate guarantee code or receives the certificate guarantee code, the authorization relationship between the certificate guarantee code and the credit project is established, and when the certificate guarantee code which has established the authorization relationship is presented or uploaded to other credit projects, the unavailability of the certificate guarantee code can be prompted, so that one certificate guarantee code can only be authorized to one credit project, and the condition of repeated authorization is avoided; from the perspective of the user, the certificate guarantee code is not reusable, so that the user can view the user interface of the certificate guarantee code to update the original certificate guarantee code, namely, a new certificate guarantee code is obtained again;

and before the project platform does not scan the certificate guarantee code or receives the certificate guarantee code, the certificate guarantee code does not have a credit project with an authorization relation with the certificate guarantee code, and the certificate guarantee code can be directly used as the certificate guarantee code provided for a second credit project.

In the embodiment of the present specification, after the certificate guarantee code is returned to the project platform, a second certificate guarantee request of a second project platform carrying a second credit project operation for the certificate of the user is received, and if the certificate guarantee code has an authorization relationship, the summary information and the user information are encoded to obtain the second certificate guarantee code of the certificate, so that it is ensured that one certificate guarantee code can only be authorized for one credit project, and the security of the certificate guarantee code, the user credit, and the certificate picture is improved.

In practical applications, the project platform may obtain, from the certificate security platform, the certificate picture corresponding to the summary information included in the certificate security code through the returned certificate security code, and in an optional implementation manner provided in an embodiment of this specification, after the step of returning the certificate security code to the project platform is executed, the method further includes:

and returning the certificate picture to the project platform.

The security check may be checking authenticity, an authorization relationship, a validity period, and the like of the certificate security code, specifically, checking authenticity of the certificate security code, and may be comparing the certificate security code with a certificate security code that has been sent by a certificate security platform, indicating that the certificate security code is authentic if the certificate security code identical to the certificate security code is present on the certificate security platform, and indicating that the certificate security code is not authentic if the certificate security code identical to the certificate security code is not present on the certificate security platform;

wherein, the authorization relationship refers to the authorization relationship between the certificate guarantee code and the credit item, and after the certificate guarantee code is generated and the certificate picture is returned to the project platform, or after the certificate picture is returned to the project platform, the certificate guarantee code and the item identifier of the credit item carried in the certificate guarantee request are associated and authorized in the certificate guarantee platform, that is, the certificate guarantee code is authorized to the credit item in the project platform initiating the certificate guarantee request and the authorization relationship is stored in the certificate guarantee platform, when the certificate guarantee platform receives the inquiry request sent by the project platform carrying the credit item, the authorization relationship is checked against the certificate guarantee code carried in the inquiry request, if the credit item in the project platform sending the inquiry request has the authorization relationship with the certificate guarantee code, under the condition that the authorization relationship exists, the credit item is indicated to have the right to inquire the certificate picture of the user through the certificate guarantee code, and under the condition that the authorization relationship does not exist, the credit item is indicated to have no right to inquire the certificate picture of the user through the certificate guarantee code;

the validity period is usually the validity period added by the certificate guarantee platform for the certificate guarantee code, within the period, the project platform bearing the credit project can inquire the certificate picture of the user through the certificate guarantee code, and outside the period, the project platform bearing the credit project cannot inquire the certificate picture of the user through the certificate guarantee code. When the certificate guarantee platform receives an inquiry request sent by an item platform bearing a credit item, validity period check is carried out on a certificate guarantee code carried by the inquiry request, whether the time of the certificate guarantee code returned to the item platform exceeds the validity period or not is checked, if the time does not exceed the validity period, the certificate guarantee code is valid, the credit item can inquire the certificate picture of a user through the certificate guarantee code, if the time exceeds the validity period, the credit guarantee code is invalid, and the credit item cannot inquire the certificate picture of the user through the certificate guarantee code.

In practical application, after receiving an inquiry request sent by an item platform, a certificate security platform firstly performs security check on a certificate security code carried in the inquiry request, analyzes the certificate security code only when the certificate security code passes all security checks, obtains summary information and user information contained in the certificate security code, further inquires a certificate picture corresponding to the certificate security code according to the summary information and the user information obtained through analysis, and returns the certificate picture to the item platform.

However, after receiving the certificate guarantee code returned by the certificate guarantee platform, the project platform usually does not inquire the certificate picture of the user through the certificate guarantee code, so that the risk of revealing the certificate picture can be reduced, however, there are also cases where a monitoring authority checks the credit item regularly or checks the user for a special purpose, in these cases, it may be necessary to inquire the certificate picture provided by the user while participating in the credit item, and the project platform can inquire the certificate picture provided by the user to the certificate guarantee platform through the certificate guarantee code.

In the embodiment of the description, after an inquiry request for inquiring a certificate picture is sent by a project platform, security check is carried out on the certificate guarantee code carried by the inquiry request, and when a check result of the security check is passed, the user's certificate picture is inquired according to summary information contained in the certificate guarantee code obtained by analyzing the certificate guarantee code and user information, and the inquired certificate picture is returned to the project platform, so that the user's certificate picture can be still obtained under the condition that the certificate guarantee code is forged or the certificate guarantee code is invalid, the reliability of the certificate guarantee code is improved, and the security of the certificate picture is enhanced.

In practical applications, after a project platform queries a certificate picture of a user, the project platform is notified of the user that the certificate picture of the user is queried, and in an optional implementation manner provided in an embodiment of the present specification, after the step of returning the certificate picture to the project platform is executed, the method further includes:

In specific implementation, the inquiry notification is sent to the user, and may be sent in a form of a short message, or sent in a form of a message on the certificate guarantee platform, which is not limited herein.

In the embodiment of the specification, after the certificate picture of the user is inquired based on the certificate guarantee code, the inquiry notice is sent to the user, so that the user can know when the certificate picture is inquired by which credit item, the item experience of the user is improved, and the trust of the user is also improved.

In practical applications, in order to improve the security of the certificate pictures of the user, after querying the certificate pictures through the certificate guarantee code, the used certificate guarantee code may be marked as a failure state, that is, the certificate pictures of the user are no longer permitted to be queried again through the certificate guarantee code, in an optional implementation manner provided by this embodiment of the present specification, after the step of returning the certificate pictures to the project platform is executed, the method further includes:

marking the certificate guarantee code as a failure state;

In specific implementation, the certificate guarantee code is marked as a failure state, and the field value of the state field corresponding to the certificate guarantee code can be updated to be the failure state in the database.

In practical application, after the certificate picture is inquired through the certificate guarantee code, the certificate guarantee code is marked as a failure state, and under the condition that the certificate guarantee code is in the failure state, the certificate picture can not be inquired through the certificate guarantee code any more.

In the embodiment of the specification, after the certificate picture is queried through the certificate guarantee code, the certificate guarantee code is marked as a failure state, and the certificate guarantee code is prompted to be failed under the condition that a secondary query request for the certificate picture based on the certificate guarantee code is received, which shows that the certificate picture can be queried only once through one certificate guarantee code, and the safety of the certificate picture is further improved.

Another method embodiment provided in this specification corresponds to the above method embodiment, where an execution subject of the embodiment is a certificate guarantee platform, and an execution subject of the above method embodiment is a project platform for bearing a credit project with a certificate guarantee cooperation agreement with the certificate guarantee platform, and the two embodiments cooperate with each other to complete the guarantee of a certificate of a user applying for participation in the credit project by a certificate guarantee code, and when reading the embodiment, the method embodiment can correspond to the above method embodiment. Fig. 2 is a flowchart illustrating another credit-based certificate guaranty method according to an embodiment of the present disclosure, including step S202 to step S206.

Step S202, under the condition that a participation request for applying for participation in a credit project initiated by a user is received, determining a certificate list for participating in the credit project according to the project type of the credit project.

And step S204, sending a certificate guarantee request to a certificate guarantee platform based on the certificate list.

Step S206, receiving the certificate guarantee code of the certificate picture corresponding to the certificate name included in the certificate list returned by the certificate guarantee platform.

Taking a shared automobile project with a certificate guarantee cooperation protocol with a certificate guarantee platform as an example, a user applies for participating in a hotel project on a project platform carrying the operation of the shared automobile project, the shared automobile project is a trip driving type project, a certificate list participating in the shared automobile project can be determined to be an identity card and a driving license, a certificate guarantee request aiming at the identity card and the driving license of the user is sent to the certificate guarantee platform based on the certificate list, the certificate guarantee platform generates a certificate guarantee code aiming at the identity card and the driving license of the user according to the certificate guarantee request, and the project platform carrying the operation of the shared automobile project receives the certificate guarantee code returned by the certificate guarantee platform.

The credit-based certificate guaranteeing method provided in the present specification will be further described below with reference to fig. 3, taking as an example the application of the credit-based certificate guaranteeing method in a shared automobile project. Fig. 3 is a flowchart illustrating a process of a credit-based certificate guaranteeing method applied to a shared automobile project according to an embodiment of the present disclosure, where the specific steps include step S302 to step S326.

Step S302, under the condition that the user opens the certificate guarantee service, credit evaluation is carried out on the user.

Step S304, receiving the certificate picture uploaded by the user under the condition that the evaluation result of the credit evaluation is passed.

Specifically, the certificate picture can be an identity card picture and a driving license picture.

And step S306, performing information verification on the certificate information obtained by identifying the certificate picture.

Specifically, information verification is carried out on certificate information contained in the certificate picture, authenticity of the certificate can be checked on a related platform through a certificate number or a name in the certificate information, and relevance between uploaded certificate pictures is verified at the same time;

the user uploads the identity card picture and the driving license picture, the authenticity of the identity card and the driving license can be verified respectively through the identity card number and the driving license number, and whether the identity card and the driving license are the user himself or herself is further verified through other certificate information such as names.

And step S308, storing the certificate picture and the certificate information in a database under the condition that the verification result of the information verification is passed.

Step S310, receiving a certificate guarantee request for guaranteeing the certificate of the user sent by a project platform bearing the shared automobile project operation.

Specifically, the shared automobile item and the certificate guarantee platform sign a credit item of a certificate guarantee protocol.

Step S312, obtaining the summary information of the certificate picture corresponding to the certificate name and the user information of the user, which are included in the certificate list, according to the user identifier of the user and the certificate list of the certificate, which are carried in the certificate guarantee request.

Step S314, encoding the summary information and the user information to obtain a certificate guarantee code of the certificate list.

And step S316, returning the certificate guarantee code to the project platform.

Step S318, receiving a query request for querying the certificate picture sent by the project platform.

Step S320, performing security check on the certificate guarantee code carried in the query request.

Specifically, the security check may be to check authenticity, an authorization relationship, an expiration date, and the like of the certificate guarantee code.

Step S322, in a case that the verification result of the security verification is a pass, analyzing the certificate security code to obtain the summary information and the user information included in the certificate security code.

Step S324, querying the certificate picture according to the summary information and the user information.

Step S326, returning the certificate picture to the project platform.

To sum up, one embodiment of the present specification implements that, in a case of receiving a certificate guarantee request for guaranteeing a certificate of a user sent by an item platform that carries a credit item operation, according to a user identifier of the user and a certificate list of the certificate, which are carried by the certificate guarantee request, summary information of a certificate picture corresponding to a certificate name included in the certificate list and user information of the user are encoded to obtain a certificate guarantee code of the certificate list, and the certificate guarantee code is returned to the item platform to guarantee the certificate of the user, thereby simplifying an operation flow of the user and facilitating improvement of security of the user information and the certificate picture.

The embodiment of the credit-based certificate guarantee device provided by the specification is as follows:

corresponding to the above method embodiment, the present specification also provides a credit-based certificate guaranty device embodiment, and fig. 4 shows a schematic structural diagram of a credit-based certificate guaranty device provided by an embodiment of the present specification. As shown in fig. 4, the apparatus includes:

a receiving module 402 configured to receive a certificate guarantee request for guaranteeing a certificate of a user sent by a project platform running on a credit project;

an obtaining module 404, configured to obtain, according to the user identifier of the user and the certificate list of the certificate, which are carried in the certificate guarantee request, summary information of a certificate picture corresponding to a certificate name included in the certificate list and user information of the user;

an encoding module 406 configured to encode the summary information and the user information to obtain a certificate guarantee code of the certificate list;

a return module 408 configured to return the credential vouching code to the project platform.

Optionally, the credit-based certificate guaranteeing apparatus further includes:

a first credit evaluation module configured to perform a credit evaluation for the user based on the credential vouching request; and under the condition that the evaluation result of the credit evaluation is passed, executing the step of acquiring the summary information of the certificate picture corresponding to the certificate name contained in the certificate list and the user information of the user according to the user identification of the user and the certificate list of the certificate carried by the certificate guarantee request.

a second credit evaluation module configured to perform credit evaluation on the user in a case where the user opens a certificate guarantee service;

a picture receiving module configured to receive a certificate picture uploaded by the user if the evaluation result of the credit evaluation is passed;

the verification module is configured to perform information verification on certificate information obtained by identifying the certificate picture;

and the storage module is configured to store the certificate picture and the certificate information in a database under the condition that the verification result of the information verification is passed.

Optionally, the first credit evaluation module or the second credit evaluation module is further configured to:

Optionally, the verification module includes:

the identification sub-module is configured to identify the certificate picture and obtain certificate information contained in the certificate picture;

and the information verification sub-module is configured to perform information verification on the authenticity and the incidence relation of the certificate information.

the receiving request module is configured to receive a query request which is sent by the project platform and used for querying the certificate picture;

a security check module configured to perform security check on the certificate guarantee code carried by the query request;

the analysis module is configured to analyze the certificate guarantee code to obtain the summary information and the user information contained in the certificate guarantee code under the condition that the verification result of the security verification is passed;

the inquiry module is configured to inquire the certificate picture according to the summary information and the user information;

a return platform module configured to return the credential picture to the project platform.

a sending notification module configured to send a query notification to the user, wherein the query notification is a query notification for querying the certificate picture based on the certificate guarantee code.

a marking module configured to mark the credential vouching code as a disabled state;

and the prompting module is configured to prompt that the certificate guarantee code is invalid under the condition of receiving a secondary inquiry request of the certificate picture based on the certificate guarantee code.

an establishing authorization module configured to establish an authorization relationship between the credential vouching code and the credit item.

a receive vouch request module configured to receive a second credential vouch request for the credential of the user by a second item platform running bearing a second credit item;

and the second coding module is configured to code the summary information and the user information to obtain a second certificate guarantee code of the certificate under the condition that the certificate guarantee code has an authorization relation.

Another credit-based document vouching device embodiment provided by the present specification is as follows:

in correspondence with the above-described method embodiments, the present specification also provides another credit-based certificate assurance device embodiment, and fig. 5 shows a schematic structural diagram of another credit-based certificate assurance device provided by an embodiment of the present specification. As shown in fig. 5, the apparatus includes:

a determining list module 502 configured to determine a certificate list for participating in a credit item according to an item type of the credit item, in case of receiving a participation request for applying for participating in the credit item initiated by a user;

a send request module 504 configured to send a credential vouching request to a credential vouching platform based on the credential list;

a receive guarantee code module 506 configured to receive a certificate guarantee code returned by the certificate guarantee platform for the certificate picture corresponding to the certificate name included in the certificate list.

The above is an illustrative scheme of another credit-based certificate assurance apparatus of the present embodiment. The technical solution of the credit-based certificate security apparatus is the same as that of the credit-based certificate security method described above, and for details not described in detail, reference may be made to the description of the technical solution of the credit-based certificate security method described above.

The present specification provides an embodiment of a computing device as follows:

FIG. 6 illustrates a block diagram of a computing device 600 provided in accordance with one embodiment of the present description. The components of the computing device 600 include, but are not limited to, a memory 610 and a processor 620. The processor 620 is coupled to the memory 610 via a bus 630 and a database 650 is used to store data.

Computing device 600 also includes access device 640, access device 640 enabling computing device 600 to communicate via one or more networks 660. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 640 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 600, as well as other components not shown in FIG. 6, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 6 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 600 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 600 may also be a mobile or stationary server.

The present specification provides a computing device comprising a memory 610, a processor 620, and computer instructions stored on the memory and executable on the processor, the processor 620 being configured to execute the following computer-executable instructions:

and returning the certificate guarantee code to the project platform.

Optionally, after the certificate guarantee request instruction for guaranteeing certificates of the user sent by the item platform bearing the credit item is executed, and before the summary information of the certificate picture corresponding to the certificate name included in the certificate list and the user information instruction of the user are acquired according to the user identifier of the user and the certificate list of the certificate carried by the certificate guarantee request, the processor 620 is further configured to execute the following computer executable instructions:

and under the condition that the evaluation result of the credit evaluation is passed, executing the user identification of the user and the certificate list of the certificate carried by the certificate guarantee request, and acquiring the summary information of the certificate picture corresponding to the certificate name contained in the certificate list and the user information instruction of the user.

Optionally, before the receiving the certificate guarantee request instruction for the certificate list of the user sent by the project platform running on the credit project, the processor 620 is further configured to execute the following computer-executable instructions:

Optionally, the performing credit evaluation on the user includes:

Optionally, after the instructions for returning the credential vouching code to the project platform are executed, the processor 620 is further configured to execute the following computer-executable instructions:

and returning the certificate picture to the project platform.

Optionally, after the instruction of returning the certificate picture to the project platform is executed, the processor 620 is further configured to execute the following computer-executable instructions:

marking the certificate guarantee code as a failure state;

Optionally, after the certificate guarantee code is returned to the project platform instruction for execution, the processor 620 is further configured to execute the following computer-executable instructions:

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the above-mentioned credit-based certificate assurance method belong to the same concept, and details of the technical solution of the computing device, which are not described in detail, can be referred to the description of the technical solution of the above-mentioned credit-based certificate assurance method.

Another computing device embodiment provided herein is as follows:

FIG. 7 illustrates a block diagram of another computing device 700 provided in accordance with one embodiment of the present description. The components of the computing device 700 include, but are not limited to, memory 710 and a processor 720. Processor 720 is coupled to memory 710 via bus 730, and database 750 is used to store data.

Computing device 700 also includes access device 740, access device 740 enabling computing device 700 to communicate via one or more networks 760. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 740 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 700, as well as other components not shown in FIG. 7, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 7 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 700 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 700 may also be a mobile or stationary server.

This specification provides another computing device comprising a memory 710, a processor 720, and computer instructions stored on the memory and executable on the processor, the processor 720 for executing the computer executable instructions of:

The above is an illustrative scheme of another computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the above-mentioned credit-based certificate assurance method belong to the same concept, and details of the technical solution of the computing device, which are not described in detail, can be referred to the description of the technical solution of the above-mentioned credit-based certificate assurance method.

This specification provides one example of a computer-readable storage medium, comprising:

the present specification provides a computer readable storage medium storing computer instructions that, when executed by a processor, are operable to:

and returning the certificate guarantee code to the project platform.

Optionally, the performing credit evaluation on the user includes:

and returning the certificate picture to the project platform.

marking the certificate guarantee code as a failure state;

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium is the same concept as that of the above-mentioned credit-based certificate guarantee method, and details of the technical solution of the storage medium, which are not described in detail, can be referred to the description of the technical solution of the above-mentioned credit-based certificate guarantee method.

Another example computer-readable storage medium provided in this specification is as follows:

this specification provides another computer-readable storage medium storing computer instructions that, when executed by a processor, are to:

The above is an illustrative scheme of another computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium is the same concept as that of the above-mentioned credit-based certificate guarantee method, and details of the technical solution of the storage medium, which are not described in detail, can be referred to the description of the technical solution of the above-mentioned credit-based certificate guarantee method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A credit-based credential vouching method comprising:

and returning the certificate guarantee code to the project platform.

2. The credit-based certificate guaranty method according to claim 1, wherein after the step of receiving a certificate guaranty request for guarantying a certificate of a user from an item platform that operates by receiving a credit item is performed, and before the step of obtaining summary information of a certificate picture corresponding to a certificate name included in the certificate list and user information of the user is performed according to a user identifier of the user and the certificate list of the certificate that are carried in the certificate guaranty request, the method further comprises:

3. The credit-based credential vouching method of claim 1, further comprising, prior to performing the credential vouching request step of receiving a list of credentials for the user sent by an item platform running on a credit-bearing item, further comprising:

4. The credit-based document vouching method of claim 2 or 3, wherein said performing a credit assessment on said user comprises:

5. The credit-based certificate vouching method of claim 3, wherein said performing information verification on certificate information obtained by identifying the certificate picture comprises:

6. The credit-based credential vouching method of claim 1, further comprising, after said returning the credential vouching code to the project platform step is performed:

and returning the certificate picture to the project platform.

7. The credit-based credential vouching method of claim 6, further comprising, after said returning the credential picture to the project platform step is performed:

8. The credit-based credential vouching method of claim 6, further comprising, after said returning the credential picture to the project platform step is performed:

marking the certificate guarantee code as a failure state;

9. The credit-based credential vouching method of claim 1, further comprising, after said step of returning the credential vouching code to the project platform is performed:

10. The credit-based credential vouching method of claim 9, further comprising, after said step of returning the credential vouching code to the project platform is performed:

11. A credit-based credential vouching method comprising:

12. A credit-based credential vouching device comprising:

13. A credit-based credential vouching device comprising:

14. A computing device, comprising:

a memory and a processor;

and returning the certificate guarantee code to the project platform.

15. A computing device, comprising:

a memory and a processor;

16. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the method of vouching for credit-based documents of any one of claims 1 to 10.

17. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the credit-based document vouching method as claimed in claim 11.