CN110782310B - Method, device and system for asynchronously acquiring user attribute information from third-party platform - Google Patents

Method, device and system for asynchronously acquiring user attribute information from third-party platform Download PDF

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CN110782310B
CN110782310B CN201910915374.9A CN201910915374A CN110782310B CN 110782310 B CN110782310 B CN 110782310B CN 201910915374 A CN201910915374 A CN 201910915374A CN 110782310 B CN110782310 B CN 110782310B
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user
server
attribute information
information
query request
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CN110782310A (en
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周猛发
苏绥绥
常富洋
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Beijing Qilu Information Technology Co Ltd
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Beijing Qilu Information Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/10—Protocols in which an application is distributed across nodes in the network
    • H04L67/1095—Replication or mirroring of data, e.g. scheduling or transport for data synchronisation between network nodes

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Abstract

The invention discloses a method, a device, a system and a computer readable medium for asynchronously acquiring user attribute information from a third party platform, wherein the method comprises the steps that a first server acquires basic information of a user, and queries one or more of a plurality of third party platforms for first attribute information of the user based on the basic information; the first server is synchronous with the second server, and user information is sent to the second server; the second server inquires one or more of the plurality of third party platforms about second attribute information of the user based on the acquired user information; the first server queries one or more of the plurality of third party platforms for third attribute information of the user; the first server is synchronized with the second server again, and the third attribute information of the user is sent to the second server. By adopting the technical scheme, the third party platform is queried in parallel in an asynchronous mode, the overall query waiting time is reduced, and the user experience is better.

Description

Method, device and system for asynchronously acquiring user attribute information from third-party platform
Technical Field
The invention relates to the field of computer information processing, in particular to a method, a device and a system for asynchronously acquiring user attribute information from a third party platform.
Background
After the user registers with the internet finance related application program, in order to judge the type of the user, risk identification needs to be carried out on the identity of the user. Generally speaking, a merchant does not have attribute information of a user and cannot directly judge, and needs to acquire the attribute information of the user by querying a plurality of third party platforms to judge.
The prior method is that a merchant and a plurality of third party platforms are in a serial structure, and attribute information of users is acquired one by one through each third party platform. However, because the processing time of different third party platforms is different, the time of some third party platforms for query processing is longer, or a high concurrency condition occurs in a certain third party platform, so that the overall query time is too long, and the experience of users is very bad.
Disclosure of Invention
The invention aims to solve the problems that the query time of the existing user information query mode is not easy to control and the user experience is poor.
In order to solve the above technical problem, a first aspect of the present invention provides a method for obtaining user attribute information, including:
the method comprises the steps that a first server obtains basic information of a user, and sends a first query request to one or more of a plurality of third party platforms based on the basic information to query first attribute information of the user;
The first server is synchronous with the second server, and user information is sent to the second server;
The second server sends a second query request to one or more of the plurality of third party platforms based on the acquired user information, queries second attribute information of the user, and returns the first attribute information of the user to the second server by the one or more third party platforms receiving the first query request;
the first server sends a third query request to one or more of a plurality of third party platforms based on the user information, queries third attribute information of the user, and the one or more servers return the third attribute information of the user to a first server;
The first server is synchronized with the second server again, and the third attribute information of the user is sent to the second server.
According to a preferred embodiment of the present invention, the first and second query requests are asynchronous requests.
According to a preferred embodiment of the invention, the user information comprises basic information as well as identity information.
According to a preferred embodiment of the invention, the basic information comprises a telephone number of the user, and the identity information comprises a name and a certificate ID of the user.
According to a preferred embodiment of the present invention, the one or more third party platforms receiving the first, second and third query requests are different from each other.
According to a preferred embodiment of the invention, the first server and the second server are REDIS servers.
According to a preferred embodiment of the present invention, the one or more third party platforms receiving the first query request query the first attribute information of the user for a time longer than the one or more third party platforms receiving the second query request query the first attribute information of the user.
According to a preferred embodiment of the present invention, the second server classifies the users after receiving the first attribute information, the second attribute information, and the third attribute information of the users.
A second aspect of the present invention proposes a system for asynchronously acquiring user attribute information from a third party platform, the system comprising:
the first query module acquires basic information of a user through a first server, sends a first query request to one or more of a plurality of third party platforms based on the basic information, and queries first attribute information of the user;
the first synchronization module synchronizes the first server with the second server and sends the user information to the second server;
The second query module is used for sending a second query request to one or more of the plurality of third party platforms through the second server based on the acquired user information, querying second attribute information of the user, returning first attribute information of the user to the second server by the one or more third party platforms receiving the first query request, and returning second attribute information of the user to the second server by the one or more third party platforms receiving the second query request;
The third query module is used for querying third attribute information of the user by sending a third query request to one or more of a plurality of third party platforms through the first server based on the user information, and the one or more servers return the third attribute information of the user to the first server;
And the second synchronization module synchronizes the first server with the second server again and sends the third attribute information of the user to the second server.
According to a preferred embodiment of the present invention, the first and second query requests are asynchronous requests.
According to a preferred embodiment of the present invention, the user information includes basic information and identity information
According to a preferred embodiment of the invention, the basic information comprises a telephone number of the user, and the identity information comprises a name and a certificate ID of the user.
According to a preferred embodiment of the present invention, the one or more third party platforms receiving the first, second and third query requests are different from each other.
According to a preferred embodiment of the invention, the first server and the second server are REDIS servers.
According to a preferred embodiment of the present invention, the one or more third party platforms receiving the first query request query the first attribute information of the user for a time longer than the one or more third party platforms receiving the second query request query the first attribute information of the user.
According to a preferred embodiment of the present invention, the second server classifies the users after receiving the first attribute information, the second attribute information, and the third attribute information of the users.
A third aspect of the present invention proposes a system for asynchronously acquiring user attribute information from a third party platform, comprising:
a storage unit configured to store a computer-executable program;
And the processing unit is used for reading the computer executable program in the storage unit so as to execute any one of the method for asynchronously acquiring the user attribute information from the third party platform.
A fourth aspect of the present invention proposes a computer readable medium for storing a computer readable program, characterized in that the computer readable program is for executing a method of asynchronously acquiring user attribute information from a third party platform.
By adopting the technical scheme, the third-party platforms are queried in parallel in an asynchronous mode, so that the query time is reduced, the query is performed in advance aiming at long query time of part of the third-party platforms, the overall query waiting time is reduced, and the user experience is better.
Drawings
In order to make the technical problems solved by the present invention, the technical means adopted and the technical effects achieved more clear, specific embodiments of the present invention will be described in detail below with reference to the accompanying drawings. It should be noted, however, that the drawings described below are merely illustrative of exemplary embodiments of the present invention and that other embodiments of the drawings may be derived from these drawings by those skilled in the art without undue effort.
FIG. 1 is a schematic flow chart of asynchronously acquiring user attribute information from a third party platform in an embodiment of the invention;
FIG. 2 is a timing diagram of asynchronously acquiring user attribute information from a third party platform according to an embodiment of the present invention;
FIG. 3 is a schematic structural diagram of an apparatus for asynchronously obtaining user attribute information from a third party platform according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a structural framework of a system for asynchronously obtaining user attribute information from a third party platform in an embodiment of the present invention;
Fig. 5 is a schematic diagram of a computer-readable storage medium in an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention will now be described more fully hereinafter with reference to the accompanying drawings, in which exemplary embodiments are shown, although the exemplary embodiments may be practiced in various specific ways. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art.
The structures, capabilities, effects, or other features described in a particular embodiment may be incorporated in one or more other embodiments in any suitable manner without departing from the spirit of the present invention.
In describing particular embodiments, specific details of construction, performance, effects, or other features are set forth in order to provide a thorough understanding of the embodiments by those skilled in the art. It is not excluded that one skilled in the art may implement the present invention in a particular case in a solution that does not include the structures, properties, effects, or other characteristics described above.
The flow diagrams in the figures are merely exemplary flow illustrations and do not represent that all of the elements, operations, and steps in the flow diagrams must be included in the aspects of the invention, nor that the steps must be performed in the order shown in the figures. For example, some operations/steps in the flowcharts may be decomposed, some operations/steps may be combined or partially combined, etc., and the order of execution shown in the flowcharts may be changed according to actual situations without departing from the gist of the present invention.
The block diagrams in the figures generally represent functional entities and do not necessarily correspond to physically separate entities. That is, the functional entities may be implemented in software, or in one or more hardware modules or integrated circuits, or in different network and/or processing unit means and/or microcontroller means.
The same reference numerals in the drawings denote the same or similar elements, components or portions, and thus repeated descriptions of the same or similar elements, components or portions may be omitted hereinafter. It will be further understood that, although the terms first, second, third, etc. may be used herein to describe various devices, elements, components or portions, these devices, elements, components or portions should not be limited by these terms. That is, these phrases are merely intended to distinguish one from the other. For example, a first device may also be referred to as a second device without departing from the spirit of the invention. Furthermore, the term "and/or," "and/or" is meant to include all combinations of any one or more of the items listed.
Fig. 1 is a flowchart of a method for acquiring user attribute information according to the present invention, and fig. 2 is a timing chart of a method for acquiring user attribute information according to the present invention, as shown in fig. 1, the method of the present invention has the steps of:
S1, a first server acquires basic information of a user, and sends a first query request to one or more of a plurality of third party platforms based on the basic information to query first attribute information of the user.
In this embodiment, when the user registers, registration information is filled in, and the first server can acquire the basic information of the user. The basic information of the user includes the telephone number of the user.
In this embodiment, when the user needs to perform risk assessment after registering, the user attribute information needs to be queried according to the information registered by the user, where the attribute information includes, but is not limited to, borrowing information (e.g. whether there is borrowing, borrowing amount, etc.), repayment information (e.g. whether there is repayment, repayment amount, unrendered amount, etc.), transaction information (recent transaction amount, etc.), overdue information (overdue amount, overdue time, overdue number, etc.), credit information. And these user attribute information are stored on different third party platforms. The third party platform comprises a plurality of platforms such as an e-commerce platform and a payment platform. Some of these platforms take longer to query because of interfaces, protocols, and other reasons, making the overall query time too long. In order to reduce the time spent for query, some third party platforms with longer query time can query in advance.
In the present embodiment, the first attribute information, the second attribute information, and the third attribute information are one or more of attribute information.
S2, the first server and the second server are synchronized, and user information is sent to the second server.
In this embodiment, the second server stores a service model, and may calculate according to attribute information of the user, so as to determine a risk level of the user. The higher the risk level, the lower the financial security of the user.
In this embodiment, the user completes registration, fills in the user information, and synchronizes with the second server after the first server acquires the user information, and synchronizes the user information to the second server. The user information includes, but is not limited to, name, certificate ID, bank card information, family relationship information, interpersonal relationship information, biometric information, social security information, household registration information, and public accumulation information.
In this embodiment, the second server is a server of a third party client credit inquiry mechanism authorized by a certain mechanism, and the user is authorized when registering, and the second server can inquire credit information in the user attribute information according to the user information of the user. And inputting the credit information of the user into the service model, and judging the risk level of the user. Among the attribute information used, different weights are set for different attribute information, and the weight of the credit information is relatively high. Therefore, when the credit information of the user is better, the risk level of the user is judged to be lower through the service model.
In this embodiment, when the first server and the second server synchronize, the second server also returns the risk level of the user obtained by judgment to the first server.
In this embodiment, a threshold may be set for the risk level of the user, and when the risk level of the user determined by the service model is lower than the threshold, it is indicated that the financial security of the user is very high, and a subsequent step may not be executed, so that the user may be audited to pass the operation.
In other embodiments, the second server stores other information in the attribute information of the user, acquires the stored attribute information of the user according to the user information, inputs the attribute information into the service model, and the service model determines the risk level of the user according to the attribute information. If the business model can judge the risk level of the user according to the user attribute information stored in the second server and the risk level of the user is lower than the set threshold value, the financial security of the user is high, and the follow-up steps can be omitted.
If the risk level of the user cannot be judged, or the risk level of the user is judged to be higher than the threshold value, continuing to execute the subsequent steps, and acquiring more attribute information of the user from the third-party server to judge.
In this embodiment, the first server and the second server are different servers, and in other embodiments, the first server and the second server may be the same server.
S3, the second server sends a second query request to one or more of the plurality of third party platforms based on the acquired user information, queries second attribute information of the user, and returns the first attribute information of the user to the second server by the one or more third party platforms receiving the first query request and returns the second attribute information of the user to the second server by the one or more third party platforms receiving the second query request.
In the present embodiment, the first attribute information and the second attribute information are one or more of attribute information. In order to save the query time, in this embodiment, the first attribute information and the second attribute information do not overlap, and the retransmission of the query is avoided, thereby prolonging the overall query time.
In this embodiment, as shown in the timing diagram of fig. 2, one or more third party platforms that receive a first query request are different from one or more third party platforms that receive a second query request.
In other embodiments, one or more third party platforms receiving the first query request may be the same as one or more third party platforms receiving the second query request, except that the attribute information of the query is different, and some attribute information queries take longer, so that asynchronous queries need to be performed in advance.
In the present embodiment, the time at which the first attribute information is returned is earlier than the time at which the second attribute information is returned. In other embodiments, the time of returning the first attribute information may be later than the time of returning the second attribute information, or may be returned at the same time.
In this embodiment, the first query request and the second query request are asynchronous requests.
And S4, the first server sends a third query request to one or more of a plurality of third party platforms based on the user information to query the third attribute information of the user, and the one or more servers return the third attribute information of the user to the first server.
In this embodiment, after the first server and the second server are synchronized, the first server queries the third attribute information of the user from the third party platform according to the user information. Similarly, the third attribute information is different from the first attribute information and the second attribute information. The third party platform for inquiring the third attribute information is also different from the third party platform for inquiring the first attribute information and the third party platform for inquiring the second attribute information.
In this embodiment, the first server and the second server are each associated with a third party platform due to different interfaces, different protocols, and the like, so that it is necessary to query the respective associated third party platforms for attribute information of the user.
S5, the first server synchronizes with the second server again, and the third attribute information of the user is sent to the second server.
In this embodiment, when the first server synchronizes with the second server again, the third attribute information of the user is transmitted to the second server, and the second server aggregates the received first attribute information, second attribute information, and third attribute information of the user.
In this embodiment, the second server further inputs the aggregated first attribute information, second attribute information, and third attribute information into the service model to determine a risk level of the user, and sends the determined risk level to the first server.
The timing diagram of asynchronously acquiring user attribute information from the third party platform as shown in fig. 2, and the interaction process will be described in detail using fig. 2 as an embodiment.
Example 1:
s201, a user registers with a first server, the first server acquires a mobile phone number of the user during registration, at this time, the first server sends a first query request to a third party platform according to the mobile phone number of the user, and queries first attribute information of the user, wherein the first attribute information is one or more of borrowing information (such as whether borrowing exists, borrowing amount and the like), repayment information (such as whether repayment exists, repayment amount, unrendered amount and the like), transaction information (recent transaction amount, transaction amount and the like), overdue information (overdue amount, overdue time, overdue number and the like), credit information and the like.
S202, the user finishes registration, and the first server acquires user information of the user, wherein the user information comprises, but is not limited to, name, certificate ID, bank card information, family relation information, interpersonal relation information, biological feature information, social security information, household registration information and public accumulation information. The first server synchronizes with the second server, and the acquired user information is synchronized to the second server.
And S203, the second server sends a second query request to the third party platform according to the acquired user information, and queries second attribute information of the user, wherein the second attribute information is one or more of borrowing information (such as whether borrowing exists, borrowing amount and the like), repayment information (such as whether repayment exists, repayment amount, unrendered amount and the like), transaction information (recent transaction amount, transaction amount and the like), overdue information (overdue amount, overdue time, overdue times and the like), credit investigation information and the like.
S204, the third party platform queries and obtains the first attribute information of the user, and sends the first attribute information obtained by the query to the second server.
S205, the third party platform queries to obtain second attribute information of the user, and sends the second attribute information obtained by the query to the second server.
S206, the first server sends a third query request to the third party platform according to the user information of the user, and queries second attribute information of the user, wherein the second attribute information is one or more of borrowing information (such as whether borrowing exists, borrowing amount and the like), repayment information (such as whether repayment exists, repayment amount, unrendered amount and the like), transaction information (recent transaction amount, transaction amount and the like), overdue information (overdue amount, overdue time, overdue number and the like), credit information and the like.
S207, the third party platform queries and obtains third attribute information of the user, and sends the third attribute information obtained by query to the first server.
And S208, the first server and the second server are synchronized again, the first server sends the third information of the user to the second server, and the second server gathers the first attribute information, the second attribute information and the third attribute information of the user.
As shown in fig. 3, in this embodiment, there is further provided a system 300 for asynchronously obtaining user attribute information from a third party platform, where the system 300 includes:
the first query module 301 obtains basic information of a user through a first server, sends a first query request to one or more of a plurality of third party platforms based on the basic information, and queries first attribute information of the user.
In this embodiment, when the user registers, registration information is filled in, and the first server can acquire the basic information of the user. The basic information of the user includes the telephone number of the user.
In this embodiment, when the user needs to perform risk assessment after registering, the user attribute information needs to be queried according to the information registered by the user, where the attribute information includes, but is not limited to, borrowing information (e.g. whether there is borrowing, borrowing amount, etc.), repayment information (e.g. whether there is repayment, repayment amount, unrendered amount, etc.), transaction information (recent transaction amount, etc.), overdue information (overdue amount, overdue time, overdue number, etc.), credit information. And these user attribute information are stored on different third party platforms. The third party platform comprises a plurality of platforms such as an e-commerce platform and a payment platform. Some of these platforms take longer to query because of interfaces, protocols, and other reasons, making the overall query time too long. In order to reduce the time spent for query, some third party platforms with longer query time can query in advance.
In the present embodiment, the first attribute information, the second attribute information, and the third attribute information are one or more of attribute information.
The first synchronization module 302 synchronizes the first server with the second server and transmits the user information to the second server.
In this embodiment, the second server stores a service model, and may calculate according to attribute information of the user, so as to determine a risk level of the user. The higher the risk level, the lower the financial security of the user.
In this embodiment, the user completes registration, fills in the user information, and synchronizes with the second server after the first server acquires the user information, and synchronizes the user information to the second server. The user information includes, but is not limited to, name, certificate ID, bank card information, family relationship information, interpersonal relationship information, biometric information, social security information, household registration information, and public accumulation information.
In this embodiment, the second server is a server of a third party client credit inquiry mechanism authorized by a certain mechanism, and the user is authorized when registering, and the second server can inquire credit information in the user attribute information according to the user information of the user. And inputting the credit information of the user into the service model, and judging the risk level of the user. Among the attribute information used, different weights are set for different attribute information, and the weight of the credit information is relatively high. Therefore, when the credit information of the user is better, the risk level of the user is judged to be lower through the service model.
In this embodiment, when the first server and the second server synchronize, the second server also returns the risk level of the user obtained by judgment to the first server.
In this embodiment, a threshold may be set for the risk level of the user, and when the risk level of the user determined by the service model is lower than the threshold, it is indicated that the financial security of the user is very high, and a subsequent step may not be executed, so that the user may be audited to pass the operation.
In other embodiments, the second server stores other information in the attribute information of the user, acquires the stored attribute information of the user according to the user information, inputs the attribute information into the service model, and the service model determines the risk level of the user according to the attribute information. If the business model can judge the risk level of the user according to the user attribute information stored in the second server and the risk level of the user is lower than the set threshold value, the financial security of the user is high, and the follow-up steps can be omitted.
If the risk level of the user cannot be judged, or the risk level of the user is judged to be higher than the threshold value, continuing to execute the subsequent steps, and acquiring more attribute information of the user from the third-party server to judge.
In this embodiment, the first server and the second server are different servers, and in other embodiments, the first server and the second server may be the same server.
And the second query module 303 is used for sending a second query request to one or more of the multiple third party platforms through the second server based on the acquired user information, querying the second attribute information of the user, returning the first attribute information of the user to the second server by the one or more third party platforms receiving the first query request, and returning the second attribute information of the user to the second server by the one or more third party platforms receiving the second query request.
In the present embodiment, the first attribute information and the second attribute information are one or more of attribute information. In order to save the query time, in this embodiment, the first attribute information and the second attribute information do not overlap, and the retransmission of the query is avoided, thereby prolonging the overall query time.
In this embodiment, the one or more third party platforms that receive the first query request are different from the one or more third party platforms that receive the second query request.
In other embodiments, one or more third party platforms receiving the first query request may be the same as one or more third party platforms receiving the second query request, except that the attribute information of the query is different, and some attribute information queries take longer, so that asynchronous queries need to be performed in advance.
In the present embodiment, the time at which the first attribute information is returned is earlier than the time at which the second attribute information is returned. In other embodiments, the time of returning the first attribute information may be later than the time of returning the second attribute information, or may be returned at the same time.
In this embodiment, the first query request and the second query request are asynchronous requests.
And a third query module 304, configured to query, by the first server, third attribute information of the user by sending a third query request to one or more of the plurality of third party platforms based on the user information, where the one or more servers return the third attribute information of the user to the first server.
In this embodiment, after the first server and the second server are synchronized, the first server queries the third attribute information of the user from the third party platform according to the user information. Similarly, the third attribute information is different from the first attribute information and the second attribute information. The third party platform for inquiring the third attribute information is also different from the third party platform for inquiring the first attribute information and the third party platform for inquiring the second attribute information.
In this embodiment, the first server and the second server are each associated with a third party platform due to different interfaces, different protocols, and the like, so that it is necessary to query the respective associated third party platforms for attribute information of the user.
The second synchronization module 305 synchronizes the first server with the second server again and transmits the third attribute information of the user to the second server.
In this embodiment, when the first server synchronizes with the second server again, the third attribute information of the user is transmitted to the second server, and the second server aggregates the received first attribute information, second attribute information, and third attribute information of the user.
In this embodiment, the second server further inputs the aggregated first attribute information, second attribute information, and third attribute information into the service model to determine a risk level of the user, and sends the determined risk level to the first server.
As shown in fig. 4, a system for asynchronously obtaining user attribute information from a third party platform is also disclosed in an embodiment of the present invention, and the system for asynchronously obtaining user attribute information from a third party platform shown in fig. 4 is merely an example, and should not impose any limitation on the functions and application scope of the embodiment of the present invention.
The system 400 for asynchronously obtaining user attribute information from a third party platform includes a storage unit 420 for storing a computer executable program; and a processing unit 410 for reading the computer executable program in the storage unit to perform the steps of the various embodiments of the present invention.
The system 400 for asynchronously acquiring user attribute information from a third party platform in this embodiment further includes a bus 430 connecting the different system components (including the storage unit 420 and the processing unit 410), a display unit 440, and the like.
The storage unit 420 stores a computer readable program, which may be a source program or code of a read only program. The program may be executed by the processing unit 410 such that the processing unit 410 performs the steps of various embodiments of the present invention. For example, the processing unit 410 may perform the steps shown in fig. 1.
The memory unit 420 may include readable media in the form of volatile memory units, such as Random Access Memory (RAM) 4201 and/or cache memory 4202, and may further include Read Only Memory (ROM) 4203. The storage unit 420 may also include a program/utility 4204 having a set (at least one) of program modules 4205, such program modules 4205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment.
Bus 430 may be a local bus representing one or more of several types of bus structures including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or using any of a variety of bus architectures.
The system 400 for asynchronously obtaining user attribute information from a third party platform may also be in communication with one or more external devices 470 (e.g., keyboard, display, network device, bluetooth device, etc.), such that a user may interact with the processing unit 410 via these external devices 470 through an input/output (I/O) interface 450, and may also be in communication with one or more networks (e.g., a Local Area Network (LAN), wide Area Network (WAN), and/or a public network, such as the internet) via a network adapter 460. The network adapter 460 may communicate with other modules of the micro-service architecture based routing management system 400 via the bus 430. It should be appreciated that although not shown, other hardware and/or software modules may be used in the micro-service architecture based routing management system 400, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.
FIG. 5 is a schematic diagram of one embodiment of a computer readable medium of the present invention. As shown in fig. 5, the computer program may be stored on one or more computer readable media. The computer readable medium may be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium would include the following: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage unit, a magnetic storage unit, or any suitable combination of the foregoing. The computer program, when executed by one or more data processing devices, enables the computer readable medium to carry out the above-described method of the present invention, namely:
s1, a first server acquires basic information of a user, and sends a first query request to one or more of a plurality of third party platforms based on the basic information to query first attribute information of the user;
S2, the first server and the second server are synchronized, and user information is sent to the second server;
S3, the second server sends a second query request to one or more of the plurality of third party platforms based on the acquired user information, queries second attribute information of the user, and returns the first attribute information of the user to the second server by the one or more third party platforms receiving the first query request and returns the second attribute information of the user to the second server by the one or more third party platforms receiving the second query request;
S4, the first server sends a third query request to one or more of a plurality of third party platforms based on the user information, and queries third attribute information of the user, and the one or more servers return the third attribute information of the user to the first server;
S5, the first server synchronizes with the second server again, and the third attribute information of the user is sent to the second server.
From the above description of embodiments, those skilled in the art will readily appreciate that the exemplary embodiments described herein may be implemented in software, or may be implemented in software in combination with necessary hardware. Thus, the technical solution according to the embodiments of the present invention may be embodied in the form of a software product, which may be stored in a computer readable storage medium (may be a CD-ROM, a usb disk, a mobile hard disk, etc.) or on a network, comprising several instructions to cause a data processing device (may be a personal computer, a server, or a network device, etc.) to perform the above-described method according to the present invention.
The computer readable storage medium may include a data signal propagated in baseband or as part of a carrier wave, with readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A readable storage medium may also be any readable medium that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C++ or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).
In summary, the present invention may be implemented in a method, apparatus, electronic device, or computer readable medium that executes a computer program. Some or all of the functions of the present invention may be implemented in practice using general-purpose data processing devices such as a micro-processing unit or a digital signal processing unit (DSP).
The above-described specific embodiments further describe the objects, technical solutions and advantageous effects of the present invention in detail, and it should be understood that the present invention is not inherently related to any particular computer, virtual device or electronic apparatus, and various general-purpose devices may also implement the present invention. The foregoing description of the embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, alternatives, and improvements that fall within the spirit and scope of the invention.

Claims (16)

1. A method for asynchronously obtaining user attribute information from a third party platform, the method comprising:
the method comprises the steps that a first server obtains basic information of a user, and sends a first query request to one or more of a plurality of third party platforms based on the basic information to query first attribute information of the user;
The first server is synchronous with the second server, and user information is sent to the second server; the second server inquires credit information in the attribute information of the user according to the user information of the user, inputs the credit information of the user into a service model and judges the risk level of the user;
If the risk level of the user cannot be judged, or the risk level of the user is judged to be higher than a threshold value, the second server sends a second query request to one or more of a plurality of third party platforms based on the acquired user information, queries second attribute information of the user, one or more third party platforms receiving the first query request return the first attribute information of the user to the second server, and one or more third party platforms receiving the second query request return the second attribute information of the user to the second server; one or more third party platforms receiving the first query request are different from one or more third party platforms receiving the second query request;
the first server sends a third query request to one or more of a plurality of third party platforms based on the user information, queries third attribute information of the user, and the one or more servers return the third attribute information of the user to the first server;
The first server is synchronized with the second server again, and third attribute information of the user is sent to the second server; the second server gathers the received first attribute information, second attribute information and third attribute information of the user, inputs the first attribute information, the second attribute information and the third attribute information into the service model to judge the risk level of the user, and sends the judged user level to the first server;
wherein: the one or more third party platforms receiving the first query request query the first attribute information of the user for a time greater than the one or more third party platforms receiving the second query request query the first attribute information of the user.
2. The method of claim 1, wherein the first query request and the second query request are asynchronous requests.
3. The method of claim 1, wherein the user information includes basic information and identity information.
4. The method of claim 3, wherein the basic information includes a telephone number of the user, and the identity information includes a name and a certificate ID of the user.
5. The method of claim 1, wherein the one or more third party platforms receiving the first query request, the second query request, and the third query request are different from each other.
6. The method of claim 1, wherein the first server and the second server are REDIS servers.
7. The method of any one of claims 1-6, wherein the second server classifies the user after receiving the first, second, and third attribute information of the user.
8. A system for asynchronously obtaining user attribute information from a third party platform, the system comprising:
the first query module acquires basic information of a user through a first server, sends a first query request to one or more of a plurality of third party platforms based on the basic information, and queries first attribute information of the user;
The first synchronization module synchronizes the first server with the second server and sends the user information to the second server; the second server inquires credit information in the attribute information of the user according to the user information of the user, inputs the credit information of the user into a service model and judges the risk level of the user;
The second query module is used for querying second attribute information of the user by sending a second query request to one or more of the plurality of third party platforms through the second server based on the acquired user information if the risk level of the user cannot be judged or judged to be higher than a threshold value, returning the first attribute information of the user to the second server by the one or more third party platforms receiving the first query request, and returning the second attribute information of the user to the second server by the one or more third party platforms receiving the second query request; one or more third party platforms receiving the first query request are different from one or more third party platforms receiving the second query request;
the third query module is used for querying third attribute information of the user by sending a third query request to one or more of a plurality of third party platforms through the first server based on the user information, and the one or more servers return the third attribute information of the user to the first server;
The second synchronization module synchronizes the first server with the second server again and sends the third attribute information of the user to the second server; the second server gathers the received first attribute information, second attribute information and third attribute information of the user, inputs the first attribute information, the second attribute information and the third attribute information into the service model to judge the risk level of the user, and sends the judged user level to the first server;
wherein: the one or more third party platforms receiving the first query request query the first attribute information of the user for a time greater than the one or more third party platforms receiving the second query request query the first attribute information of the user.
9. The system of claim 8, wherein the first query request and the second query request are asynchronous requests.
10. The system of claim 8, wherein the user information includes basic information and identity information.
11. The system of claim 10, wherein the basic information includes a telephone number of the user, and the identity information includes a name and a certificate ID of the user.
12. The system of claim 8, the one or more third party platforms that receive the first query request, the second query request, and the third query request are different from each other.
13. The system of claim 8, wherein the first server and the second server are REDIS servers.
14. The system of any of claims 8-13, wherein the second server classifies the user after receiving the first, second, and third attribute information of the user.
15. A system for asynchronously obtaining user attribute information from a third party platform, comprising:
a storage unit configured to store a computer-executable program;
a processing unit for reading the computer executable program in the storage unit to perform the method of asynchronously obtaining user attribute information from a third party platform as claimed in any one of claims 1 to 7.
16. A computer readable medium storing a computer readable program for executing the method of asynchronously acquiring user attribute information from a third party platform as claimed in any one of claims 1 to 7.
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