CN111833178A - System and method for credit investigation and scoring inquiry - Google Patents
System and method for credit investigation and scoring inquiry Download PDFInfo
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- CN111833178A CN111833178A CN202010652976.2A CN202010652976A CN111833178A CN 111833178 A CN111833178 A CN 111833178A CN 202010652976 A CN202010652976 A CN 202010652976A CN 111833178 A CN111833178 A CN 111833178A
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- 238000011835 investigation Methods 0.000 title claims abstract description 308
- 238000000034 method Methods 0.000 title claims abstract description 27
- 238000012954 risk control Methods 0.000 claims abstract description 50
- 238000013475 authorization Methods 0.000 claims description 64
- 238000012795 verification Methods 0.000 claims description 33
- 238000012545 processing Methods 0.000 abstract description 7
- 230000007246 mechanism Effects 0.000 description 4
- 238000010586 diagram Methods 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 238000007477 logistic regression Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
- G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
Abstract
The application discloses a system and a method for credit investigation and scoring inquiry, belonging to the technical field of data processing. The system comprises an inquiry server, a bank server and a credit investigation server. And the query server is used for sending a credit investigation request of credit investigation score to the bank server. And the bank server is used for analyzing the inquiry request of the credit investigation score to obtain the identity information, generating the inquiry request of the credit investigation report carrying the identity information and sending the inquiry request of the credit investigation report to the credit investigation server. And the credit investigation server is used for analyzing the inquiry request of the credit investigation report to obtain the identity information, inquiring the credit investigation report corresponding to the identity information and sending the credit investigation report to the bank server. And the bank server is also used for executing the risk control model by taking the credit investigation report as the entry parameter to obtain credit investigation score and sending the credit investigation score to the query server. By adopting the credit investigation scoring inquiry system provided by the application, credit investigation data can be efficiently and conveniently acquired.
Description
Technical Field
The application relates to the technical field of data processing, in particular to a system and a method for credit investigation and scoring inquiry.
Background
Currently, credit investigation data of users is required in many occasions. For example, internet finance companies need to determine credit risk of users according to credit data of the users, and further determine credit lines.
Therefore, how to efficiently and conveniently query the credit investigation data of the user is a considerable problem.
Disclosure of Invention
The embodiment of the application provides a system and a method for credit investigation and scoring inquiry, which can solve the technical problems in the related technology. The technical scheme of the credit investigation scoring inquiry system and the credit investigation scoring inquiry method is as follows:
in a first aspect, a system for credit investigation and scoring inquiry is provided, the system comprises an inquiry server, a bank server and a credit investigation server, wherein a risk control model is integrated in the bank server;
the inquiry server is used for sending an inquiry request of credit investigation grading to the bank server, wherein the inquiry request of credit investigation grading carries the identity information of a target user;
the bank server is used for analyzing the inquiry request of the credit investigation score to obtain the identity information of the target user, generating the inquiry request of the credit investigation report carrying the identity information of the target user and sending the inquiry request of the credit investigation report to the credit investigation server;
the credit investigation server is used for analyzing the inquiry request of the credit investigation report to obtain the identity information of the target user, inquiring the credit investigation report corresponding to the identity information of the target user and sending the credit investigation report to the bank server;
the bank server is further configured to execute the risk control model with the credit investigation report as a reference, obtain a credit investigation score, and send the credit investigation score to the query server.
In a possible implementation manner, the query server is further configured to:
receiving an inquiry request of an authorized amount sent by a user terminal, wherein the inquiry request of the authorized amount carries an authorized protocol, and the authorized protocol carries identity information of a target user;
analyzing the key field of the authorization protocol to obtain the identity information of the target user;
and generating a query request carrying the credit investigation score of the identity information of the target user.
In one possible implementation manner, the bank server is further configured to:
carrying out authority verification on the received inquiry request of credit investigation score;
and after the authority verification is passed, analyzing the inquiry request of the credit investigation score.
In a possible implementation manner, the query server is further configured to:
and sending the risk control model to the bank server in a JAR (java archive) packet mode so that the bank server integrates the risk control model.
In a possible implementation manner, the query server is further configured to:
receiving the credit score;
and determining an authorization limit according to the credit assessment score, and sending the authorization limit to a corresponding user terminal so as to enable the user terminal to display the authorization limit.
In a possible implementation manner, the credit assessment score is a credit assessment score of multiple dimensions, and the query server is configured to:
and determining an authorization limit according to the credit assessment scores of the multiple dimensions.
In a possible implementation manner, the query server is further configured to:
and correspondingly storing the identity information of the target user and the authorization quota corresponding to the identity information of the target user.
In a possible implementation manner, the credit investigation server is further configured to:
carrying out authority verification on the received inquiry request of the credit investigation report;
and after the authority verification is passed, analyzing the inquiry request of the credit investigation report.
In a possible implementation manner, the query request of the credit investigation score is an execution request of the risk control model.
In a second aspect, a method for credit investigation scoring query is provided, and the method is applied in a system for credit investigation scoring query, the system includes a query server, a bank server and a credit investigation server, a risk control model is integrated in the bank server, and the method includes:
the inquiry server sends an inquiry request of credit investigation grading to the bank server, wherein the inquiry request of credit investigation grading carries identity information of a target user;
the bank server analyzes the inquiry request of the credit investigation score to obtain the identity information of the target user, generates the inquiry request of the credit investigation report carrying the identity information of the target user, and sends the inquiry request of the credit investigation report to the credit investigation server;
the credit investigation server analyzes the inquiry request of the credit investigation report to obtain the identity information of the target user, inquires the credit investigation report corresponding to the identity information of the target user and sends the credit investigation report to the bank server;
and the bank server executes the risk control model by taking the credit investigation report as an entry parameter to obtain credit investigation score, and sends the credit investigation score to the query server.
In a possible implementation manner, before the query server sends the query request of credit investigation score to the bank server, the method further includes:
the method comprises the steps that a query server receives a query request of an authorized amount sent by a user terminal, wherein the query request of the authorized amount carries an authorized protocol, and the authorized protocol carries identity information of a target user;
analyzing the key field of the authorization protocol to obtain the identity information of the target user;
and generating a query request carrying the credit investigation score of the identity information of the target user.
In a possible implementation manner, before the bank server parses the inquiry request of the credit investigation score, the method further includes:
the bank server carries out authority verification on the received credit investigation request of credit investigation score;
and after the authority verification is passed, analyzing the inquiry request of the credit investigation score.
In one possible implementation, the method further includes:
and the inquiry server sends the risk control model to the bank server in a JAR (java archive object) package mode so as to enable the bank server to integrate the risk control model.
In a possible implementation manner, after the bank server takes the credit investigation report as an entry, executes the risk control model to obtain a credit investigation score, and sends the credit investigation score to the query server, the method further includes:
the inquiry server receives the credit investigation score;
and the query server determines an authorization limit according to the credit assessment score and sends the authorization limit to a corresponding user terminal so as to enable the user terminal to display the authorization limit.
In a possible implementation manner, the credit assessment score is a credit assessment score with multiple dimensions, and the determining, by the query server, an authorization amount according to the credit assessment score includes:
and the server determines an authorization limit according to the credit assessment scores of the multiple dimensions.
In a possible implementation manner, after the query server receives the credit investigation score, the method further includes:
and the query server correspondingly stores the identity information of the target user and the authorization limit corresponding to the identity information of the target user.
In a possible implementation manner, before the credit investigation server parses the query request of the credit investigation report, the method further includes:
the credit investigation server carries out authority verification on the received inquiry request of the credit investigation report;
and after the authority verification is passed, analyzing the inquiry request of the credit investigation report.
In a possible implementation manner, the query request of the credit investigation score is an execution request of the risk control model.
The beneficial effects brought by the technical scheme provided by the embodiment of the application at least comprise:
the embodiment of the application provides a credit investigation grading query system, which comprises a query server, a bank server and a credit investigation server, wherein a risk control model is integrated in the credit investigation server. When the credit investigation system for inquiring credit investigation score provided by the embodiment of the application is used for inquiring credit investigation score of a user, a bank server acquires a complete credit investigation report and determines the credit investigation score according to the credit investigation report, and the inquiry server does not acquire the complete credit investigation report but only receives the credit investigation score sent by the bank server. Thus, the possibility of leakage of the credit investigation report is reduced, and the inquiry of the credit investigation data of the user is more compliant and efficient.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is an interaction diagram of a system for credit investigation and scoring inquiry provided in an embodiment of the present application;
fig. 2 is an interaction diagram of a system for credit investigation and scoring inquiry provided in an embodiment of the present application;
fig. 3 is a flowchart of a method for credit investigation and scoring query according to an embodiment of the present disclosure.
Detailed Description
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The embodiment of the application provides a credit investigation scoring query system, as shown in fig. 1 and fig. 2, the system includes a query server, a bank server and a credit investigation server, and a risk control model is integrated in the bank server.
And the query server is used for sending a credit investigation request of credit investigation score to the bank server.
And the bank server is used for analyzing the inquiry request of the credit investigation score to obtain the identity information of the target user, generating the inquiry request of the credit investigation report carrying the identity information of the target user and sending the inquiry request of the credit investigation report to the credit investigation server.
And the credit investigation server is used for analyzing the inquiry request of the credit investigation report to obtain the identity information of the target user, inquiring the credit investigation report corresponding to the identity information of the target user and sending the credit investigation report to the bank server.
And the bank server is also used for executing the risk control model by taking the credit investigation report as the entry parameter to obtain credit investigation score and sending the credit investigation score to the query server.
The inquiry request of the credit investigation score carries the identity information of the target user.
The query server may be a server corresponding to an internet financial company, the bank server may be a server corresponding to a commercial bank having a cooperative relationship (e.g., a credit-aid cooperative relationship) with the internet financial company, and the credit investigation server may be a server corresponding to a credit investigation service of a chinese people bank.
In implementation, when inquiring credit investigation score of a user, the inquiry server sends an inquiry request of credit investigation score to the bank server. After receiving the inquiry request of credit investigation score, the bank server analyzes the inquiry request of credit investigation score to obtain the identity information of the target user, generates the inquiry request of credit investigation report carrying the identity information of the target user, and sends the inquiry request of credit investigation report to the credit investigation server. After receiving the inquiry request of the credit investigation report, the credit investigation server analyzes the inquiry relatives of the credit investigation report to obtain the identity information of the target user, inquires the credit investigation report corresponding to the identity information of the target user and sends the credit investigation report to the bank server. And the bank server takes the credit investigation report as an entry parameter, executes the risk control model to obtain credit investigation score, and sends the credit investigation score to the query server.
It can be seen that, when the credit investigation system provided by the embodiment of the present application is used for inquiring credit investigation score, the bank server obtains a complete credit investigation report, and determines the credit investigation score according to the credit investigation report, and the inquiry server does not obtain the complete credit investigation report, but only receives the credit investigation score sent by the bank server. Thus, the possibility of leakage of the credit investigation report is reduced, and the inquiry of the credit investigation data of the user is more compliant and efficient.
In a possible implementation manner, the query server is further configured to receive a query request of the authorized amount sent by the user terminal, where the query request of the authorized amount carries an authorized protocol, and the authorized protocol carries identity information of the target user. And analyzing the key field of the authorization protocol to obtain the identity information of the target user. And generating a query request carrying credit investigation scores of the identity information of the target user.
In implementation, when a user wants to apply for a loan through some internet finance company, a corresponding application program can be downloaded and installed at a user terminal, and meanwhile, an account is registered and bound with a real identity. The user may then apply for a loan on the user terminal. When a user applies for a loan, the internet finance company needs to determine a credit granting amount according to credit investigation data of the user, so the internet finance company needs to inquire the credit investigation condition of the user.
In order to sufficiently respect the selection of the user, prompt information for inquiring the credit investigation data of the user can be displayed on the user terminal, and an authorization protocol for inquiring the credit investigation data can be generated. The user may sign the authorization agreement on the terminal. The query server may parse the key fields in the authorization protocol to obtain the identity information of the target user, and generate a query request carrying the credit investigation score of the identity information of the target user. The credit assessment scored query request may then be sent to a bank server.
In a possible implementation manner, the bank server is further configured to perform authority verification on the received inquiry request with credit investigation score. And after the authority verification is passed, analyzing the inquiry request of credit investigation score.
In implementation, after receiving the inquiry request of credit investigation score, the bank server needs to perform authority verification on the inquiry request of credit investigation score, and only after the authority verification is passed, the bank server performs subsequent processing. Therefore, the mechanism without inquiry authority is prevented from acquiring the credit investigation data of the user, and the safety of the credit investigation data of the user is improved.
For example, the inquiry request of the credit investigation score may carry an identifier of a financial company, and the bank server may determine whether the authorization verification is passed according to whether the financial company corresponding to the identifier has the inquiry authorization.
In a possible implementation manner, the query server is further configured to send the risk control model to the bank server in a JAR package, so that the bank server integrates the risk control model.
In implementation, the risk control model may be a jar (javaarchive) package provided by the internet finance company, but integrated in a credit investigation system in a bank server. In this case, the risk control model may also be referred to as an internet finance company risk control model.
In addition, since the risk control model is provided by an internet financial company and is integrated by a bank, the system for credit investigation scoring query provided by the embodiment of the present application may also be referred to as a system for credit investigation scoring query based on credit investigation data joint modeling.
In a possible implementation manner, the query server is further configured to receive credit investigation scores. And determining the authorization limit according to the credit assessment score, and sending the authorization limit to a corresponding user terminal so that the user terminal displays the authorization limit.
In implementation, after the inquiry server obtains the credit investigation score, the credit investigation server can evaluate the credit risk of the user by combining with own strategy according to the credit investigation score, and further determine the authorization limit of the user. And then, sending the determined authorization quota to the corresponding user terminal.
After receiving the authorization amount, the user terminal can display the authorization amount, so that the highest loan amount available to the user is prompted, and the user can conveniently perform subsequent operations.
In a possible implementation manner, the credit investigation score is a credit investigation score of multiple dimensions, and the query server is used for determining the authorization limit according to the credit investigation score of the multiple dimensions.
The credit assessment scores of the multiple dimensions may include, but are not limited to, credit assessment scores of the asset dimension and credit assessment scores of the liability dimension.
In implementation, the authorization limit is determined according to the credit assessment scores of multiple dimensions, so that the determined authorization limit is more accurate.
In a possible implementation manner, the query server is further configured to correspondingly store the identity information of the target user and the authorization quota corresponding to the identity information of the target user.
In implementation, after the query server calculates the authorization amount corresponding to the identity information of the target user, the identity information and the authorization amount may be stored correspondingly. Therefore, in the same query period, when the user needs to obtain the authorization amount again, the user can directly obtain the stored authorization amount from the query server without re-querying the credit investigation report and the credit investigation score.
In a possible implementation manner, the credit investigation server is further configured to perform permission verification on the received inquiry request of the credit investigation report. And after the authority verification is passed, analyzing the inquiry request of the credit investigation report.
In implementation, after receiving the inquiry request of the credit investigation report, the credit investigation server needs to perform authority verification on the inquiry request of the credit investigation report, and only after the authority verification is passed, the subsequent processing is performed. Therefore, the mechanism without inquiry authority is prevented from acquiring the credit investigation report of the user, and the safety of the credit investigation data of the user is improved.
For example, the inquiry request of the credit investigation report may carry an identifier of a bank, and the credit investigation server may determine whether the bank corresponding to the identifier has the inquiry authority or not, so as to determine whether the authority passes the verification.
In one possible implementation manner, the query request of the credit investigation score is an execution request of the risk control model.
In implementation, the inquiry request of the credit investigation score may be an execution request of the risk control model, after receiving the execution request of the risk control model, the bank server analyzes the execution request to obtain the identity information of the target user, and obtains a credit investigation report corresponding to the identity information from the credit investigation server as a reference of the risk control model to execute the risk control model.
The embodiment of the application also provides a credit investigation scoring query method applied to the credit investigation scoring query system. As shown in fig. 3, the processing flow of the method for credit investigation query may include the following steps:
in step 301, the query server sends a query request for credit investigation to the bank server.
The inquiry request of the credit investigation score carries the identity information of the target user. The identity information of the target user can be information such as the name and the identification number of the target user.
The query server may be a server corresponding to an internet financial company, the bank server may be a server corresponding to a bank, and the internet financial company and the bank may have a cooperative relationship, for example, the internet financial company and the bank may have a loan-aid cooperative relationship.
In implementation, the query server generates a query request of credit investigation grading according to the identity information of the target user, and sends the generated query request of credit investigation grading to the bank server.
The identity information of the target user can be sourced in various ways, and two possible obtaining ways are listed as follows:
in a possible implementation manner, the query server receives a query request of the authorized amount sent by the user terminal, where the query request of the authorized amount carries an authorized protocol, and the authorized protocol carries identity information of a target user. And analyzing the key field of the authorization protocol to obtain the identity information of the target user. And generating a query request carrying credit investigation scores of the identity information of the target user.
In implementation, when a user wants to apply for a loan through some internet finance company, a corresponding application program can be downloaded and installed at a user terminal, and meanwhile, an account is registered and bound with a real identity. The user may then apply for a loan on the user terminal. When a user applies for a loan, the internet finance company needs to determine a credit granting amount according to credit investigation data of the user, so the internet finance company needs to inquire the credit investigation condition of the user.
In order to sufficiently respect the selection of the user, prompt information for inquiring the credit investigation data of the user can be displayed on the user terminal, and an authorization protocol for inquiring the credit investigation data can be generated. The user may sign the authorization agreement on the terminal. Referring to fig. 2, after the user terminal signs the authorization agreement, the authorization agreement is sent to the query server. The inquiry server verifies the identity information of the user in the authorization protocol, and after the verification is passed, the confirmation information can be returned to the user terminal. Then, the user terminal submits an application for inquiring the authorized quota at the terminal.
The query server may parse the key fields in the authorization protocol to obtain the identity information of the target user, and generate a query request carrying the credit investigation score of the identity information of the target user. The credit assessment scored query request may then be sent to a bank server.
It should be noted that the identity information of the user in the authorization protocol generated on the user terminal may be automatically generated by the user terminal according to the real identity bound to the account. Or, the user terminal generates an authorized protocol template, and the user fills identity information in the authorized protocol template.
In another possible implementation, the user signs a paper agreement with the internet financial company, authorizes the internet financial company to inquire credit assessment scores of the internet financial company and provides identity information. The query server may generate a credit investigation request according to the provided identity information, and send the credit investigation request to the bank server.
In step 302, the bank server analyzes the inquiry request of the credit investigation score to obtain the identity information of the target user, generates an inquiry request of a credit investigation report carrying the identity information of the target user, and sends the inquiry request of the credit investigation report to the credit investigation server.
The credit investigation server can be a server of credit investigation service of the people's bank in China.
In implementation, after the bank server receives the inquiry request with credit investigation score, the identity information of the target user carried in the inquiry request with credit investigation score can be analyzed. And generating an inquiry request of the credit investigation report carrying the identity information of the target user, and sending the inquiry request of the credit investigation report to a credit investigation server.
In one possible implementation manner, the query request of the credit investigation score is an execution request of the risk control model.
In an implementation, the query request for credit investigation may be an execution request of the risk control model, requesting to execute the risk control model.
And after receiving the execution request of the risk control model, the bank server analyzes the execution request to obtain the identity information of the target user. And acquiring a credit investigation report corresponding to the identity information from the credit investigation server, using the credit investigation report as a reference of the risk control model, and executing the risk control model.
In a possible implementation, the risk control model is sent to the bank server by the query server in the form of a jar (javaarchive) package. And integrating the received risk control model by the bank server.
In an implementation, the risk control model may be a JAR package provided by the internet finance company, but integrated in a credit investigation system in a bank server. In this case, the risk control model may also be referred to as an internet finance company risk control model.
In addition, since the risk control model is provided by an internet financial company and is integrated by a bank, the method for credit investigation scoring query provided by the embodiment of the present application may also be referred to as a method for credit investigation scoring query based on credit investigation data joint modeling.
In a possible implementation manner, in order to improve the security of credit investigation data of a user, the bank server may perform permission verification first after receiving a query request of credit investigation score. And after the authority passes the verification, analyzing the inquiry request of credit investigation score.
In implementation, after receiving the inquiry request of credit investigation score, the bank server needs to perform authority verification on the inquiry request of credit investigation score, and only after the authority verification is passed, the bank server performs subsequent processing. Therefore, the mechanism without inquiry authority is prevented from acquiring the credit investigation data of the user, and the safety of the credit investigation data of the user is improved.
For example, the inquiry request of the credit investigation score may carry an identifier of a financial company, and the bank server may determine whether the authorization verification is passed according to whether the financial company corresponding to the identifier has the inquiry authorization.
In step 303, the credit investigation server analyzes the query request of the credit investigation report to obtain the identity information of the target user, queries the credit investigation report corresponding to the identity information of the target user, and sends the credit investigation report to the bank server.
In implementation, after receiving the query request of the credit investigation report, the credit investigation server may analyze the identity information of the target user carried in the query request. And then, inquiring a credit investigation report corresponding to the target user according to the identity information of the target user, and sending the inquired credit investigation report to a bank server.
In a possible implementation manner, in order to improve the security of the credit investigation data of the user, the credit investigation server may perform permission verification on the inquiry request of the credit investigation report after receiving the inquiry request of the credit investigation report. And after the authority passes the verification, analyzing the inquiry request of the credit investigation report.
In implementation, after receiving the inquiry request of the credit investigation report, the credit investigation server needs to perform authority verification on the inquiry request of the credit investigation report, and only after the authority verification is passed, the subsequent processing is performed. Therefore, the mechanism without inquiry authority is prevented from acquiring the credit investigation report of the user, and the safety of the credit investigation data of the user is improved.
For example, the inquiry request of the credit investigation report may carry an identifier of a bank, and the credit investigation server may determine whether the bank corresponding to the identifier has the inquiry authority or not, so as to determine whether the authority passes the verification.
In step 304, the bank server executes the risk control model with the credit investigation report as a reference, obtains credit investigation score, and sends the credit investigation score to the query server.
The credit investigation score may be a total credit investigation score or a credit investigation score with multiple dimensions.
In implementation, after the bank server receives the credit investigation report, the credit investigation report can be used as an input parameter and input into the risk control model to obtain a credit investigation score. The credit investigation score output by the risk control model may be a total credit investigation score or a credit investigation score of multiple dimensions, which is not limited in the present application.
The risk control model may determine the credit investigation score according to the input credit investigation report, and there are various calculation methods. Illustratively, a logistic regression method may be used.
In a possible implementation mode, the inquiry server receives the credit investigation score, determines the authorization limit according to the credit investigation score, and sends the authorization limit to the corresponding user terminal so as to enable the user terminal to display the authorization limit.
In implementation, after the bank server sends the credit investigation score to the query server, the query server can evaluate the credit risk of the user by combining the policy of the query server according to the returned credit investigation score, and further determine the authorization limit of the user. And then, sending the determined authorization quota to the corresponding user terminal.
After receiving the authorization amount, the user terminal can display the authorization amount, so that the highest loan amount available to the user is prompted, and the user can conveniently perform subsequent operations.
In a possible implementation manner, the credit investigation score is a credit investigation score of multiple dimensions, and the query server determines the authorization limit according to the credit investigation score of the multiple dimensions.
The credit assessment scores of the multiple dimensions may include, but are not limited to, credit assessment scores of the asset dimension and credit assessment scores of the liability dimension.
In implementation, the authorization limit is determined according to the credit assessment scores of multiple dimensions, so that the determined authorization limit is more accurate.
In a possible implementation manner, after the authorized amount is calculated, the query server may further store the identity information of the target user and the authorized amount corresponding to the identity information of the target user correspondingly.
In implementation, after the query server calculates the authorization amount corresponding to the identity information of the target user, the identity information and the authorization amount may be stored correspondingly. Therefore, in the same query period, when the user needs to obtain the authorization amount again, the user can directly obtain the stored authorization amount from the query server without re-querying the credit investigation report and the credit investigation score.
The embodiment of the application provides a credit investigation scoring query method, which is applied to a credit investigation scoring query system. According to the credit investigation grading query method provided by the embodiment of the application, the credit investigation data of the user can be efficiently acquired, and the possibility of leakage of the credit investigation report is reduced by enabling the query server to acquire the credit investigation grading instead of a complete credit investigation report.
Meanwhile, the credit investigation scoring query method provided by the application is convenient for large-scale multiplexing, and effectively reduces the research and development cost.
The above description is only exemplary of the present application and should not be taken as limiting, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the protection scope of the present application.
Claims (10)
1. The system for credit investigation and scoring inquiry is characterized by comprising an inquiry server, a bank server and a credit investigation server, wherein a risk control model is integrated in the bank server;
the inquiry server is used for sending an inquiry request of credit investigation grading to the bank server, wherein the inquiry request of credit investigation grading carries the identity information of a target user;
the bank server is used for analyzing the inquiry request of the credit investigation score to obtain the identity information of the target user, generating the inquiry request of the credit investigation report carrying the identity information of the target user and sending the inquiry request of the credit investigation report to the credit investigation server;
the credit investigation server is used for analyzing the inquiry request of the credit investigation report to obtain the identity information of the target user, inquiring the credit investigation report corresponding to the identity information of the target user and sending the credit investigation report to the bank server;
the bank server is further configured to execute the risk control model with the credit investigation report as a reference, obtain a credit investigation score, and send the credit investigation score to the query server.
2. The system of claim 1, wherein the query server is further configured to:
receiving an inquiry request of an authorized amount sent by a user terminal, wherein the inquiry request of the authorized amount carries an authorized protocol, and the authorized protocol carries identity information of a target user;
analyzing the key field of the authorization protocol to obtain the identity information of the target user;
and generating a query request carrying the credit investigation score of the identity information of the target user.
3. The system of claim 1, wherein the bank server is further configured to:
carrying out authority verification on the received inquiry request of credit investigation score;
and after the authority verification is passed, analyzing the inquiry request of the credit investigation score.
4. The system of claim 1, wherein the query server is further configured to:
and sending the risk control model to the bank server in a JAR (java archive) packet mode so that the bank server integrates the risk control model.
5. The system of any of claims 1-4, wherein the query server is further configured to:
receiving the credit score;
and determining an authorization limit according to the credit assessment score, and sending the authorization limit to a corresponding user terminal so as to enable the user terminal to display the authorization limit.
6. The system of claim 5, wherein the credit assessment score is a multi-dimensional credit assessment score, and wherein the query server is configured to:
and determining an authorization limit according to the credit assessment scores of the multiple dimensions.
7. The system of claim 5, wherein the query server is further configured to:
and correspondingly storing the identity information of the target user and the authorization quota corresponding to the identity information of the target user.
8. The system according to any one of claims 1-4, wherein the credit server is further configured to:
carrying out authority verification on the received inquiry request of the credit investigation report;
and after the authority verification is passed, analyzing the inquiry request of the credit investigation report.
9. The system according to any one of claims 1-4, wherein the query request for credit assessment score is an execution request of the risk control model.
10. A credit investigation grading inquiry method is applied to a credit investigation grading inquiry system, the system comprises an inquiry server, a bank server and a credit investigation server, a risk control model is integrated in the bank server, and the method comprises the following steps:
the inquiry server sends an inquiry request of credit investigation grading to the bank server, wherein the inquiry request of credit investigation grading carries identity information of a target user;
the bank server analyzes the inquiry request of the credit investigation score to obtain the identity information of the target user, generates the inquiry request of the credit investigation report carrying the identity information of the target user, and sends the inquiry request of the credit investigation report to the credit investigation server;
the credit investigation server analyzes the inquiry request of the credit investigation report to obtain the identity information of the target user, inquires the credit investigation report corresponding to the identity information of the target user and sends the credit investigation report to the bank server;
and the bank server executes the risk control model by taking the credit investigation report as an entry parameter to obtain credit investigation score, and sends the credit investigation score to the query server.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113344333A (en) * | 2021-05-11 | 2021-09-03 | 天元大数据信用管理有限公司 | Configurable enterprise credit investigation early warning method, device, equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113344333A (en) * | 2021-05-11 | 2021-09-03 | 天元大数据信用管理有限公司 | Configurable enterprise credit investigation early warning method, device, equipment and storage medium |
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