CN112581249A - Credit score management system and method based on credit commitment and fulfillment - Google Patents
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Abstract
The invention belongs to the technical field of computer internet, in particular to a credit management system and a method based on credit commitment and fulfillment, wherein the system comprises a management terminal, a user terminal and a platform server; the management terminal is used for setting credit point rules from three dimensions of basic scores, commitment scores and puzzling scores according to credit behavior types; the platform server is used for acquiring and analyzing credit behavior information of the user, scoring the credit behavior of the user according to a credit point rule, calculating the credit score and the credit level of the user, and rewarding the credit of the user according to the credit score or the credit level; and the user terminal is used for checking the credit score, the credit level and the credit reward of the user. Based on the basic behavior, the commitment behavior and the knowless behavior of the user, the credit scoring is carried out on the user from three dimensions of the basic score, the commitment score and the knowless score, so that the enthusiasm of the user for actively participating in the credit scoring is improved, and the construction of a social credit system is promoted.
Description
Technical Field
The invention belongs to the technical field of computer internet, and particularly relates to a credit management system and method based on credit commitment and fulfillment.
Background
According to requirements of social credit system construction planning outline (2014-2020), guidance opinions on strengthening personal integrity system construction (2016 (98)), and the like, the credit demonstration cities of Hangzhou, Xiamen, Nanjing, Fuzhou and the like successively release city personal credit scores, and provide credit-benefitting application for citizens with excellent credit based on the personal credit scores, thereby having strong promotion effect on cultivating civilization integrity social atmosphere.
Although the exploration of individual credit scores in various cities has progressed, some outstanding problems still exist and need to be solved.
1. The concept of credit is unclear. The existing personal credit score of the city generally takes information such as honor records, public welfare charities and the like as credit information to be brought into a score system, and disputes are large. Such information does not necessarily have an influence on the credit status of the individual, and particularly, these moral behaviors are not directly related to the law-conserving performance status of the individual, and meanwhile, the basis is not sufficient in consideration of the difficulty in measuring the motivation, and such information is directly defined as the information on keeping the credit.
2. The main body has wide coverage and small beneficiary surface. The credit score of a person is hundreds of thousands of people with few subjects and hundreds of thousands of people with many subjects, but in practice, very few people can become encouraged objects, and besides no bad records, the credit score also needs to become a labor model and a moral model, or the credit score is very brave and honor the same work, the second work and the third work, and most people in cities never reach the standard.
3. The subject has low participation degree and less interaction. Under the personal credit score, all subjects become passive evaluation targets. The evaluation content is mostly result information interacted with the state organs, such as administrative punishment, administrative reward, non-fulfillment court validation judgment, various serious loss lists and the like. For ordinary people, except for registering a house, handling identity cards, traffic violation processing and the like, other associations with state organs may not be generated, and the record is basically blank. Interest in attention may be lost when they know their credit points and their rules.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a credit score management system and method based on credit commitment and fulfillment, which are used for scoring the credit of a user from three dimensions of basic score, commitment score and commitment score based on the basic behavior, commitment behavior and commitment behavior of the user, so that the enthusiasm of the user for actively participating in credit scoring is improved, and the construction of a social credit system is promoted.
In a first aspect, the invention provides a credit sub-management system based on credit commitment and fulfillment, comprising a management terminal, a user terminal and a platform server;
the management terminal is used for setting credit point rules from three dimensions of basic scores, commitment scores and puzzling scores according to credit behavior types;
the platform server is used for acquiring and analyzing credit behavior information of the user, scoring the credit behavior of the user according to a credit point rule, calculating the credit score and the credit level of the user, and rewarding the credit of the user according to the credit score or the credit level;
and the user terminal is used for checking the credit score, the credit level and the credit reward of the user.
Preferably, the credit score comprises a basic score, a commitment score and a knoop score;
the credit behavior types comprise basic behaviors, promised behaviors and puzzling behaviors;
the credit point rule comprises a basic rule, a commitment rule and a puzzling rule;
the basic behavior is scored by adopting a basic rule, the commitment behavior is scored by adopting a commitment rule, and the knowless behavior is scored by adopting a knowless rule.
Preferably, the base score rule: the basic is divided into M initially, the general behavior deducts M per time, and the serious behavior deducts 2M per time;
the commitment rule is as follows: reference weight n, first commitment score n/2, second commitment score n/4, … …, ith commitment score n/2iThe commitment is N/2+ N/4+ … … + N/2i；
The knop-pugging rule is as follows: with reference to the weight q, one commitment score (q-N)/i is fulfilled and one commitment deduction (q-N)/i is not fulfilled.
Preferably, the basic behaviors include, but are not limited to, owing water, electricity and gas fees, owing traffic offense fees, owing property fees, not repaying on time, not performing administrative penalties, and not performing court decisions;
the commitment behavior comprises but is not limited to the commitment of water, electricity and gas fee according to the period, the commitment of traffic illegal fee according to the period, the commitment of property fee according to the period, the commitment of repayment according to the period, the commitment of executing administrative punishment according to the period and the commitment of executing court judgment according to the period;
each commitment action expires, resulting in a single prosecution.
Preferably, the platform server comprises a credit repair unit for terminating the scoring of commitment to pursue for users having criminal decision records or who are included in a list of severe loss of credit; and also for activating a commitment to commit to a nominated score by a user meeting a restoration criteria through public welfare activities.
Preferably, the platform server includes a system docking unit, and the system docking unit is configured to dock another management platform, and obtain the user basic information and the user behavior information from the other management platform.
Preferably, the platform server includes a user management unit, and the user management unit is configured to verify real-name registration information of the user, and manage basic user information, user behavior information, user credit score, and user credit profile for the verified user.
Preferably, the platform server comprises an operation and maintenance management unit for managing credit point rules, credit awards, user commitments, user praised and award redemptions.
Preferably, the platform server comprises a benefit for people service unit, and the benefit for people service unit is used for providing credit benefit for people service, geographic position service and payment service for users.
In a second aspect, the present invention provides a credit management method based on credit commitment and fulfillment, which is applied to the credit management system based on credit commitment and fulfillment in the first aspect, and includes the following steps:
the management terminal sets a credit point rule from three dimensions of basic score, commitment score and puzzling score according to the credit behavior type;
the platform server acquires and analyzes credit behavior information of the user, scores the credit behavior of the user according to a credit point rule, calculates the credit score and the credit level of the user, and rewards the credit for the user according to the credit score or the credit level;
the user terminal views the credit score, credit rating and credit award of the user.
According to the technical scheme, based on the basic behavior, the commitment behavior and the knowless behavior of the user, the credit scoring is carried out on the user from three dimensions of the basic score, the commitment score and the knowless score, so that the enthusiasm of the user for actively participating in the credit scoring is improved, and the construction of a social credit system is promoted.
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In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below. Throughout the drawings, like elements or portions are generally identified by like reference numerals. In the drawings, elements or portions are not necessarily drawn to scale.
FIG. 1 is a block diagram of a credit management system for performing based on credit commitments according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating a credit management method based on credit commitment to perform according to the embodiment.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
In particular implementations, the terminals described in embodiments of the invention include, but are not limited to, other portable devices such as mobile phones, laptop computers, or tablet computers having touch sensitive surfaces (e.g., touch screen displays and/or touch pads). It should also be understood that in some embodiments, the device is not a portable communication device, but is a desktop computer having a touch-sensitive surface (e.g., a touch screen display and/or touchpad).
The first embodiment is as follows:
the embodiment provides a credit management system based on credit commitment and fulfillment, as shown in fig. 1, comprising a management terminal, a user terminal and a platform server;
the management terminal is used for setting credit point rules from three dimensions of basic scores, commitment scores and puzzling scores according to credit behavior types;
the platform server is used for acquiring and analyzing credit behavior information of the user, scoring the credit behavior of the user according to a credit point rule, calculating the credit score and the credit level of the user, and rewarding the credit of the user according to the credit score or the credit level;
and the user terminal is used for checking the credit score, the credit level and the credit reward of the user.
The present embodiment divides the credit behaviors of the user into three categories: basic behavior, commitment behavior and prosecution behavior. The basic behavior shown is as follows: owing to pay for water, electricity and gas, traffic violation fee, property fee, non-on-time repayment, non-execution of administrative punishment, non-execution of court judgment and the like. The commitment action comprises the following steps: the method comprises the following steps of committing to pay water, electricity and gas according to the period, committing to pay traffic illegal fees according to the period, committing to pay property fees according to the period, committing to pay money according to the period, committing to execute administrative punishment according to the period, committing to execute court judgment according to the period and the like. Each commitment action expires, namely a commitment action is generated, such as the user committing 15 th of the month to pay the property fee, if no fee is paid 15 th, a commitment action which does not fulfill the commitment is generated, and if the property fee is paid 15 th or before, a commitment action which fulfills the commitment is generated.
The credit score of the present embodiment includes a basic score, a commitment score and a prosecution score. The basic behavior is scored by adopting basic rules to obtain a basic score; the commitment behavior adopts a commitment rule to grade to obtain a commitment score; scoring the knowless behavior by adopting a knowless rule to obtain a knowless score; the basic score, the commitment score and the puzzling score are added to form a credit score.
The credit integration rule of this embodiment is as follows:
the basic rule is as follows: the basic is divided into M initially, the general behavior deducts M per time, and the serious behavior deducts 2M per time;
the commitment rule is as follows: reference weight n, first commitment score n/2, second commitment score n/4, … …, ith commitment score n/2iThe commitment is N/2+ N/4+ … … + N/2i；
The knop-pugging rule is as follows: with reference to the weight q, one commitment score (q-N)/i is fulfilled and one commitment deduction (q-N)/i is not fulfilled.
For example, with a 1000 point score, the base initial score is 300, the commitment reference weight is 300, and the knoop reference weight is 400. In the past 2018, Mr. Zhang owen the water fee once and do not return the credit card once on time, and the credit card does not return on time belongs to serious behaviors, so 20 points and 40 points are deducted respectively, and the Mr. Zhang owen is divided into 300-20-40 points as 240. In the past 2018, mr. zhangyang makes two commitments on the platform through the platform APP, the first commitment is that a credit card is returned on time in the current year, the second commitment is that compensation is paid to the other party before a certain day according to court judgment, 150 points are obtained after the first commitment, 75 points are obtained after the second commitment, and the commitment of mr. zhangyang is 150+ 75-225 points. Mr. Zhang fulfills on time after the first commitment, and obtains the puzzled score (400-150)/1-250; after the first commitment is fulfilled, mr.zhang makes the second commitment, and also fulfills in time, the puzzled score (400-. Combining the above three scores, the credit score is 240+225+ 337.5-802.5.
The basic standard for rewarding the user is 900 points, 802.5 points of mr. zhang are less than 900 points, and therefore no reward is given based on the credit behavior of the user in 2018. The reward is, for example, a reward of a national institution, a reward of a financial institution, a reward of other marketized institutions, and the like.
The platform server of the embodiment comprises a system docking unit, wherein the system docking unit is used for docking other management platforms and acquiring the user basic information and the user behavior information from the other management platforms. For example, the platform server is connected with a traffic police management platform, so that the relevant information of the traffic violation of the user is obtained; the platform server is in butt joint with the bank management platform so as to obtain loan repayment information of the user; the platform is connected with the property management platform, so that the related information of property fee payment of the user is obtained; and so on.
The platform server of the embodiment comprises a credit restoration unit, wherein the credit restoration unit is used for stopping the acceptance and the puzzlement of scoring for users who have criminal judgment records or are included in a severe loss list; and also for activating a commitment to commit to a nominated score by a user meeting a restoration criteria through public welfare activities. For example, Mr. Li has overdrawn credit cards in 2017, and no payment is paid in time for one year, so that the card enters a serious loss list. Even if mr. Li makes a commitment later on in the platform and also fulfills the commitment, the platform terminates scoring his commitment to commit to the behaviour because of his severe loss of confidence, and his commitment score and punishment score do not increase. The Mr. Li later clears away the credit card, makes one charitable donation, one volunteer service and one uncompensated blood donation, reaches the standard of two public welfare behaviors of the platform, and then activates the platform to score the promised praised of the Mr. Li. When mr. Li subsequently has committed behavior and does not, the platform will grade the credit behavior.
The platform server of the embodiment comprises a user management unit, wherein the user management unit is used for verifying real-name registration information of a user and managing user basic information, user behavior information, user credit score and user credit file for the verified user. When the user registers on the platform, the user needs to submit a face photo and identity card information so as to perform real-name authentication registration, after the user passes verification, the user is a member user of the platform, and the platform acquires user behavior information from other butted management platforms according to the basic information of the user so as to score the credit behavior of the user. The user can see the information such as credit score, credit grade, credit archive and the like of the user on the platform through the smart phone.
The platform server of the present embodiment includes an operation and maintenance management unit for managing credit point rules, credit rewards, user commitments, user praised and reward redemption. The credit point rule, credit reward and reward exchange of the embodiment are set by a manager through a management terminal, the user commitment is set by a user through a user terminal, and the user praised by the platform is judged according to information acquired from other management platforms and the user commitment.
The platform server of the embodiment comprises a citizen-benefitting service unit, wherein the citizen-benefitting service unit is used for providing credit citizen-benefitting service, geographic position service and payment service for a user. The platform can judge the position of the user according to the mobile phone of the user, provides nearby credit citizen-benefitting service information (such as paying eight folds for a certain credit card, exchanging gift with credit score and the like) for the user, and the user can pay through the APP of the platform after consuming.
In summary, in this embodiment, based on the basic behavior, the commitment behavior and the knowless behavior of the user, the credit score is scored for the user from three dimensions of the basic score, the commitment score and the knowless score, and the user can actively make a commitment and fulfill the commitment on the platform to increase the credit score, so that the enthusiasm of the user actively participating in the credit score is improved, and the construction of a social credit system is promoted. The embodiment not only manages the credit score of the user, but also provides a citizen-benefitting service, a geographic position service and a payment service for the user, thereby providing more convenience for the user.
Example two:
the embodiment provides a credit management method based on credit commitment and fulfillment, which is applied to the credit management system based on credit commitment and fulfillment described in the first embodiment, as shown in fig. 2, and includes the following steps:
s1, the management terminal sets credit point rules from three dimensions of basic score, commitment score and puzzling score according to credit behavior types;
s2, the platform server acquires and analyzes the credit behavior information of the user, scores the credit behavior of the user according to the credit point rule, calculates the credit score and the credit level of the user, and rewards the credit for the user according to the credit score or the credit level;
s3, the user terminal checks the credit score, credit rating and credit award of the user.
The present embodiment divides the credit behaviors of the user into three categories: basic behavior, commitment behavior and prosecution behavior. The basic behavior shown is as follows: owing to pay for water, electricity and gas, traffic violation fee, property fee, non-on-time repayment, non-execution of administrative punishment, non-execution of court judgment and the like. The commitment action comprises the following steps: the method comprises the following steps of committing to pay water, electricity and gas according to the period, committing to pay traffic illegal fees according to the period, committing to pay property fees according to the period, committing to pay money according to the period, committing to execute administrative punishment according to the period, committing to execute court judgment according to the period and the like. Each commitment action expires, namely a commitment action is generated, such as the user committing 15 th of the month to pay the property fee, if no fee is paid 15 th, a commitment action which does not fulfill the commitment is generated, and if the property fee is paid 15 th or before, a commitment action which fulfills the commitment is generated.
The credit score of the present embodiment includes a basic score, a commitment score and a prosecution score. The basic behavior is scored by adopting basic rules to obtain a basic score; the commitment behavior adopts a commitment rule to grade to obtain a commitment score; scoring the knowless behavior by adopting a knowless rule to obtain a knowless score; the basic score, the commitment score and the puzzling score are added to form a credit score.
The credit integration rule of this embodiment is as follows:
the basic rule is as follows: the basic is divided into M initially, the general behavior deducts M per time, and the serious behavior deducts 2M per time;
the commitment rule is as follows: reference weight n, first commitment score n/2, second commitment score n/4, … …, ith commitment score n/2iThe commitment is N/2+ N/4+ … … + N/2i；
The knop-pugging rule is as follows: with reference to the weight q, one commitment score (q-N)/i is fulfilled and one commitment deduction (q-N)/i is not fulfilled.
For example, with a 1000 point score, the base initial score is 300, the commitment reference weight is 300, and the knoop reference weight is 400. In the past 2018, Mr. Zhang owen the water fee once and do not return the credit card once on time, and the credit card does not return on time belongs to serious behaviors, so 20 points and 40 points are deducted respectively, and the Mr. Zhang owen is divided into 300-20-40 points as 240. In the past 2018, mr. zhangyang makes two commitments on the platform through the platform APP, the first commitment is that a credit card is returned on time in the current year, the second commitment is that compensation is paid to the other party before a certain day according to court judgment, 150 points are obtained after the first commitment, 75 points are obtained after the second commitment, and the commitment of mr. zhangyang is 150+ 75-225 points. Mr. Zhang fulfills on time after the first commitment, and obtains the puzzled score (400-150)/1-250; after the first commitment is fulfilled, mr.zhang makes the second commitment, and also fulfills in time, the puzzled score (400-. Combining the above three scores, the credit score is 240+225+ 337.5-802.5.
The basic standard for rewarding the user is 900 points, 802.5 points of mr. zhang are less than 900 points, and therefore no reward is given based on the credit behavior of the user in 2018. The reward is, for example, a reward of a national institution, a reward of a financial institution, a reward of other marketized institutions, and the like.
The platform server of the embodiment is connected with other management platforms, and acquires the user basic information and the user behavior information from the other management platforms. For example, the platform server is connected with a traffic police management platform, so that the relevant information of the traffic violation of the user is obtained; the platform server is in butt joint with the bank management platform so as to obtain loan repayment information of the user; the platform is connected with the property management platform, so that the related information of property fee payment of the user is obtained; and so on.
The platform server of this embodiment can perform credit restoration, and the specific manner of credit restoration is as follows: for users with criminal judgment records or users who are brought into a serious loss list, stopping the grading of committing to practice; and also for activating a commitment to commit to a nominated score by a user meeting a restoration criteria through public welfare activities. For example, Mr. Li has overdrawn credit cards in 2017, and no payment is paid in time for one year, so that the card enters a serious loss list. Even if mr. Li makes a commitment later on in the platform and also fulfills the commitment, the platform terminates scoring his commitment to commit to the behaviour because of his severe loss of confidence, and his commitment score and punishment score do not increase. The Mr. Li later clears away the credit card, makes one charitable donation, one volunteer service and one uncompensated blood donation, reaches the standard of two public welfare behaviors of the platform, and then activates the platform to score the promised praised of the Mr. Li. When mr. Li subsequently has committed behavior and does not, the platform will grade the credit behavior.
The platform server of this embodiment can perform user management, and the specific manner of the user management is as follows: verifying the real-name registration information of the user, and managing the basic information of the user, the user behavior information, the user credit score and the user credit file for the verified user. When the user registers on the platform, the user needs to submit a face photo and identity card information so as to perform real-name authentication registration, after the user passes verification, the user is a member user of the platform, and the platform acquires user behavior information from other butted management platforms according to the basic information of the user so as to score the credit behavior of the user. The user can see the information such as credit score, credit grade, credit archive and the like of the user on the platform through the smart phone.
The platform server of this embodiment can perform operation and maintenance management, and the specific mode of operation and maintenance management is as follows: managing credit point rules, credit rewards, user commitments, user praised, and reward redemption. The credit point rule, credit reward and reward exchange of the embodiment are set by a manager through a management terminal, the user commitment is set by a user through a user terminal, and the user praised by the platform is judged according to information acquired from other management platforms and the user commitment.
The platform server of this embodiment can carry out the benefit for the people service, the specific mode of benefit for the people service is: a credit benefit service, a geo-location service, and a payment service are provided for a user. The platform can judge the position of the user according to the mobile phone of the user, provides nearby credit citizen-benefitting service information (such as paying eight folds for a certain credit card, exchanging gift with credit score and the like) for the user, and the user can pay through the APP of the platform after consuming.
In summary, in this embodiment, based on the basic behavior, the commitment behavior and the knowless behavior of the user, the credit score is scored for the user from three dimensions of the basic score, the commitment score and the knowless score, and the user can actively make a commitment and fulfill the commitment on the platform to increase the credit score, so that the enthusiasm of the user actively participating in the credit score is improved, and the construction of a social credit system is promoted. The embodiment not only manages the credit score of the user, but also provides a citizen-benefitting service, a geographic position service and a payment service for the user, thereby providing more convenience for the user.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the several embodiments provided in this application, it should be understood that the disclosed method, system, and apparatus may be implemented in other ways. For example, the division of the steps is only one logical function division, and there may be other division ways in actual implementation, for example, multiple steps may be combined into one step, or some features may be omitted, or one step may be split into multiple steps.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. A credit management system based on credit commitment and fulfillment is characterized by comprising a management terminal, a user terminal and a platform server;
the management terminal is used for setting credit point rules from three dimensions of basic scores, commitment scores and puzzling scores according to credit behavior types;
the platform server is used for acquiring and analyzing credit behavior information of the user, scoring the credit behavior of the user according to a credit point rule, calculating the credit score and the credit level of the user, and rewarding the credit of the user according to the credit score or the credit level;
and the user terminal is used for checking the credit score, the credit level and the credit reward of the user.
2. The credit score management system of claim 1, wherein the credit score comprises a basic score, a committed score, and a committed score;
the credit behavior types comprise basic behaviors, promised behaviors and puzzling behaviors;
the credit point rule comprises a basic rule, a commitment rule and a puzzling rule;
the basic behavior is scored by adopting a basic rule, the commitment behavior is scored by adopting a commitment rule, and the knowless behavior is scored by adopting a knowless rule.
3. The system of claim 2, wherein the base score rule is: the basic is divided into M initially, the general behavior deducts M per time, and the serious behavior deducts 2M per time;
the commitment rule is as follows: reference weight n, first commitment score n/2, second commitment score n/4, … …, ith commitment score n/2iThe commitment is N/2+ N/4+ … … + N/2i；
The knop-pugging rule is as follows: with reference to the weight q, one commitment score (q-N)/i is fulfilled and one commitment deduction (q-N)/i is not fulfilled.
4. The credit management system of claim 2, wherein the basic behaviors include, but are not limited to, owed water, electricity and gas charges, owed traffic offense charges, owed property charges, untimely repayment, unfulfilled administrative penalty, and unfulfilled court judgment;
the commitment behavior comprises but is not limited to the commitment of water, electricity and gas fee according to the period, the commitment of traffic illegal fee according to the period, the commitment of property fee according to the period, the commitment of repayment according to the period, the commitment of executing administrative punishment according to the period and the commitment of executing court judgment according to the period;
each commitment action expires, resulting in a single prosecution.
5. The credit score management system based on credit commitment and fulfillment as claimed in claim 2, wherein said platform server comprises a credit repair unit for terminating the scoring of commitment and fulfillment for users having criminal decision record or being included in a list of severe loss of credit; and also for activating a commitment to commit to a nominated score by a user meeting a restoration criteria through public welfare activities.
6. The credit management system of claim 1, wherein the platform server comprises a system docking unit, and the system docking unit is configured to dock with another management platform, and obtain the basic user information and the behavior user information from the other management platform.
7. The system as claimed in claim 1, wherein the platform server comprises a user management unit for verifying real name registration information of the user, and managing basic information of the user, behavior information of the user, credit score of the user, and credit profile of the user for the verified user.
8. The credit management system of claim 1, wherein the platform server comprises an operation and maintenance management unit for managing credit point rules, credit rewards, user commitments, user puzzlement and reward redemption.
9. The credit management system of claim 1, wherein the platform server comprises a whent service unit, and the whent service unit is configured to provide a credit whent service, a geographic location service, and a payment service for the user.
10. A credit management method based on credit commitment and fulfillment, which is applied to the credit management system based on credit commitment and fulfillment as claimed in any one of claims 1-9, and comprises the following steps:
the management terminal sets a credit point rule from three dimensions of basic score, commitment score and puzzling score according to the credit behavior type;
the platform server acquires and analyzes credit behavior information of the user, scores the credit behavior of the user according to a credit point rule, calculates the credit score and the credit level of the user, and rewards the credit for the user according to the credit score or the credit level;
the user terminal views the credit score, credit rating and credit award of the user.
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