CN113298639A - Credit rating system with high risk screening function - Google Patents
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- CN113298639A CN113298639A CN202110529692.9A CN202110529692A CN113298639A CN 113298639 A CN113298639 A CN 113298639A CN 202110529692 A CN202110529692 A CN 202110529692A CN 113298639 A CN113298639 A CN 113298639A
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- 238000012216 screening Methods 0.000 title claims abstract description 84
- 238000000605 extraction Methods 0.000 claims abstract description 34
- 238000012545 processing Methods 0.000 claims abstract description 29
- 230000007246 mechanism Effects 0.000 claims abstract description 25
- 230000004048 modification Effects 0.000 claims abstract description 18
- 238000012986 modification Methods 0.000 claims abstract description 18
- 238000000034 method Methods 0.000 claims abstract 2
- 238000013500 data storage Methods 0.000 claims description 15
- 230000005540 biological transmission Effects 0.000 claims description 9
- 238000012502 risk assessment Methods 0.000 claims description 8
- 238000005457 optimization Methods 0.000 claims description 5
- 230000009467 reduction Effects 0.000 claims description 4
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- 230000009286 beneficial effect Effects 0.000 abstract description 2
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
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Abstract
The invention relates to a credit rating system with high risk screening function, comprising: the system comprises a processing mechanism, a database and a data modification module, wherein the input of the database is connected with one end of the processing mechanism; the input and output of the data modification module are connected to one end of the database, the comparison and screening module is connected to the output end of the keyword extraction module, and the input end of the comparison and screening module is connected with the output end of the database. The invention has the beneficial effects that: this equipment of credit rating system with high risk screening function can revise the verification to the demonstration content, makes the content that equipment shows more have the accuracy, also can list the data to rating influence, increases the credibility of equipment, can carry out the highlight to high risk incident simultaneously, and the client of being convenient for is direct observes the high risk and avoids, and equipment can carry out drawing process to historical rating data, and the client of being convenient for is audio-visual sees the data change.
Description
Technical Field
The invention relates to the technical field of credit rating, in particular to a credit rating system with a high-risk screening function.
Background
The credit rating system is a statistical and evaluation system giving different scores according to the information of the borrower's borrowing and repayment history, credit status, etc. to decide whether to approve the loan or the credit line.
The existing credit rating system client can only search and watch, and cannot modify the information when the client finds that the information is wrong, so that answers obtained when a subsequent client queries the same content are still wrong, the judgment of a client and the processing of subsequent events are influenced, and the loss of the client is easily caused.
It is therefore desirable to design a credit rating system with high risk screening in response to the above problems.
Disclosure of Invention
The invention aims to provide a credit rating system with a high-risk screening function, which solves the problems that the existing credit rating system provided in the background art can only be used by a client for searching and watching, and cannot be modified when the client finds that information is wrong, so that answers obtained when the subsequent client queries the same content are still wrong, the judgment of the client and the processing of subsequent events are influenced, and the loss of the client is easily caused.
In order to achieve the purpose, the invention provides the following technical scheme: a credit rating system with high risk screening functionality, comprising:
a processing mechanism;
the input of the database is connected with one end of the processing mechanism;
the input and output of the data modification module are connected with one end of the database;
the data modification module comprises:
modifying the input module;
the keyword extraction module is connected to the output end of the modification input module;
the input end of the comparison screening module is connected with the output end of the database, and the database is connected with the keyword extraction module in parallel;
the information checking module is connected to the output end of the comparison screening module;
and the data adding module is connected to the output end of the information checking module, and the output end of the data adding module is connected with the input end of the database.
Preferably, the processing mechanism includes:
a query input module;
the data transmission module is connected to the output end of the query input module;
and the searching module is connected to the output end of the data transmission module.
Preferably, the output end of the search module is connected with a rating mechanism, the output end of the rating mechanism is connected with a screening module and a drawing sorting module, the drawing sorting module and the screening module are connected in parallel, and the screening module and the output end of the drawing sorting module are connected with a display module.
Preferably, the rating mechanism comprises;
a first extraction module;
and the rating module is connected to the output end of the first extraction module, and the rating module is connected with the screening module in parallel.
Preferably, the rating mechanism further comprises:
and the rating data storage module is arranged at the output end of the rating module, and the rating data storage module is connected with the drawing arrangement module in series.
Preferably, the screening module comprises:
a credit deduction behavior screening module;
the high risk assessment module is connected to the output end of the credit deduction behavior screening module;
and the display specialization processing module is connected to the output end of the high risk assessment module.
Preferably, the screening module further comprises:
the information sorting and arranging module is connected to the output end of the display specialization processing module;
and the credit adding behavior screening module is connected with the output end of the information sorting and arranging module, and the credit adding behavior screening module is connected with the display specialization processing module in parallel.
Preferably, the drawing arrangement module includes:
a second extraction module connected to an output of the rating data storage module;
and the sorting and sequencing module is connected to the output end of the second extraction module.
Preferably, the drawing arrangement module further comprises:
the drawing module is connected to the output end of the sorting module;
and the graph optimization module is connected to the output end of the drawing module.
Compared with the prior art, the invention has the beneficial effects that: the equipment can modify and verify the displayed content, so that the displayed content of the equipment has higher accuracy, data influencing rating can be listed, the reliability of the equipment is increased, high-risk events can be highlighted, the direct observation of high risk by a client is facilitated, the equipment can draw historical rating data, and the client can visually see data change conveniently.
1. The data content displayed on the display module can be modified through the modification input module, then the search key words are extracted through the key word extraction module, the key words and the data related to the interior of the database are extracted through the comparison screening module, then the input data are checked through the information checking module to determine whether the input data are correct, if the data are incorrect, modification is forbidden, and if the data are correct, the data are added into the database through the data adding module, so that the next search of the equipment is facilitated.
2. According to the invention, the credit deduction behavior screening module and the high risk evaluation module are used for screening the contents extracted from the database, the information sorting and arranging module is used for sorting the data, and then the data is displayed by the display module, so that a client can conveniently and visually see the contents to be inquired, and the credibility of equipment rating can be increased.
3. According to the invention, the contents screened by the credit deduction behavior screening module can be evaluated through the high risk evaluation module to determine whether the high risk exists, and then the high risk information is highlighted through the display specialization processing module, so that the high risk can be directly found by a client conveniently, and the risk avoidance of the client is facilitated.
4. According to the invention, the historical rating data in the rating data storage module can be extracted through the second extraction module, then the historical rating data can be input and output to and arranged and planned through the arranging and sorting module, and the planned data is subjected to drawing processing through the drawing module, so that a client can conveniently and visually observe credit changes of a person to be looked up.
Drawings
FIG. 1 is a general flow diagram of a credit rating system with high risk screening of the present invention;
FIG. 2 is a schematic diagram of the internal data modification module of the credit rating system with high risk screening function according to the present invention;
FIG. 3 is a schematic diagram of the internal components of a screening module of a credit rating system with high risk screening function according to the present invention;
fig. 4 is a schematic diagram of a drawing and organizing module of a credit rating system with a high risk screening function according to the present invention.
In the figure: 1. a processing mechanism; 101. a query input module; 102. a data transmission module; 103. a search module; 2. a database; 3. a data modification module; 301. modifying the input module; 302. a keyword extraction module; 303. a comparison screening module; 304. an information collation module; 305. a data adding module; 4. a rating mechanism; 401. a first extraction module; 402. a rating module; 403. a rating data storage module; 5. a screening module; 501. a credit deduction behavior screening module; 502. a high risk assessment module; 503. a display specialization processing module; 504. an information arrangement module; 505. a credit behavior screening module is added; 6. a drawing arrangement module; 601. a second extraction module; 602. a sorting module; 603. a drawing module; 604. a graph optimization module; 7. and a display module.
Detailed Description
As shown in fig. 1, a credit rating system with high risk screening function includes: processing mechanism 1, processing mechanism 1 includes: query input module 101, data transmission module 102, it connects the output at query input module 101, data transmission module 102 mainly transmits data, search module 103, it connects the output at data transmission module 102, database 2, its input connection is in processing agency 1 one end, 2 inside storage of database has relevant big data, can be convenient for equipment to the use of drawing of data, search module 103's output is connected with rating mechanism 4, rating mechanism 4 includes, first extraction module 401, rating module 402, it connects the output at first extraction module 401, be parallel connection between rating module 402 and the screening module 5, rating mechanism 4 still includes: and a rating data storage module 403 arranged at an output end of the rating module 402, wherein the rating data storage module 403 is capable of storing historical rating data, so as to facilitate direct extraction of equipment, and the rating data storage module 403 is connected with the drawing arrangement module 6 in series.
As shown in fig. 2, a credit rating system with high risk screening function, a data modification module 3, an input and an output of which are connected to one end of a database 2, the data modification module 3 includes: a modification input module 301 capable of modifying the data content displayed on the display module 7 by the modification input module 301, a keyword extraction module 302 connected to the output end of the modification input module 301 for extracting the search keyword by the keyword extraction module 302, a comparison screening module 303 connected to the output end of the keyword extraction module 302 for extracting the keyword and the data related to the inside of the database 2 by the comparison screening module 303, the input end of the comparison screening module 303 is connected to the output end of the database 2, the database 2 is connected to the keyword extraction module 302 in parallel, an information checking module 304 connected to the output end of the comparison screening module 303 for checking whether the input data is correct by the information checking module 304, a data adding module 305 connected to the output end of the information checking module 304, the output end of the data adding module 305 is connected to the input end of the database 2, the correct data is added to the database 2 by the data adding module 305, so that the device can be used for the next search.
As shown in fig. 3, a credit rating system with high risk screening function, the output end of rating mechanism 4 is connected with a screening module 5, and the screening module 5 includes: subtract credit behavior screening module 501, high risk assessment module 502, it connects the output at subtract credit behavior screening module 501, can evaluate the content that subtracts credit behavior screening module 501 to screen through high risk assessment module 502, whether the determination has a high risk, show specialization processing module 503, it connects the output at high risk assessment module 502, through showing specialization processing module 503 and highlighting high risk information, thereby can be convenient for the customer directly discover the high risk, be convenient for the customer carries out the risk avoidance, screening module 5 still includes: the information sorting and arranging module 504 is connected with the output end of the display specialization processing module 503, the credit behavior screening module 505 is connected with the output end of the information sorting and arranging module 504, and the credit behavior screening module 505 and the display specialization processing module 503 are connected in parallel.
As shown in fig. 4, a credit rating system with high risk screening function, the output of rating mechanism 4 is connected with drawing arrangement module 6, is parallel connection between drawing arrangement module 6 and the screening module 5, and its screening module 5 all is connected with display module 7 with the output of drawing arrangement module 6, and drawing arrangement module 6 includes: the second extraction module 601 is connected to the output end of the rating data storage module 403, the history rating data inside the rating data storage module 403 can be extracted through the second extraction module 601, the sorting module 602 is connected to the output end of the second extraction module 601, the sorting module 602 can sort the history rating data in and out, and the drawing sorting module 6 further includes: the drawing module 603 is connected to the output end of the sorting module 602, and the drawing module 603 performs drawing processing on the planned data, so that the credit change of the person to be searched can be conveniently and visually observed by a client, and the graph optimization module 604 is connected to the output end of the drawing module 603.
The working principle is as follows: firstly, inputting the content to be inquired through the inquiry input module 101, transmitting the data to the search module 103 through the data transmission module 102, enabling the search module 103 to search the related data in the database 2, extracting the content searched by the search module 103 through the first extraction module 401, grading according to the data extracted by the first extraction module 401, screening the data in the first extraction module 401 through the credit reduction screening module 501 and the credit addition screening module 505, then transmitting the screened data to the high risk evaluation module 502 for high risk evaluation through the credit reduction screening module 501, highlighting the data evaluated by the high risk evaluation module 502 through the display specialization processing module 503, then transmitting all the data screened by the credit reduction screening module 501 and the credit addition screening module 505 to the information arrangement module 504 for arrangement, then the sorted data is transmitted to the display module 7 to be displayed, and the result of the rating module 402 is imported into the rating data storage module 403 to be stored and also displayed in the display module 7 to be watched by the client, when the client needs to watch the historical data, the data in the rating data storage module 403 is extracted by the second extraction module 601, the extracted data is sorted and sorted by the sorting and sorting module 602, then the processed data is drawn by the drawing module 603, the image is optimized by the image optimization module 604 and then transmitted to the display module 7 to be displayed, when the client watches the data and finds errors, the data can be modified in the modification input module 301, then the keyword of the input data is extracted by the keyword extraction module 302, and the extracted keyword is imported into the contrast screening module 303, the contrast screening module 303 extracts the relevant data in the database 2, and then checks the input data with the data in the database 2 through the information checking module 304 to determine whether the data is correct, and if the data is wrong, the data cannot be input, and when the data is correct, the correct data is input into the data adding module 305, and then the data is transmitted to the database 2 by the data adding module 305, so that the next search and display are facilitated.
Claims (9)
1. A credit rating system with high risk screening functionality, comprising:
a processing mechanism (1);
the method is characterized in that:
a database (2) connected with one end of the processing mechanism (1) through input;
the input and output of the data modification module (3) are connected to one end of the database (2);
the data modification module (3) comprises:
modifying an input module (301);
a keyword extraction module (302) connected to an output of the modification input module (301);
the comparison screening module (303) is connected to the output end of the keyword extraction module (302), the input end of the comparison screening module (303) is connected with the output end of the database (2), and the database (2) is connected with the keyword extraction module (302) in parallel;
the information checking module (304) is connected to the output end of the comparison screening module (303);
the data adding module (305) is connected to the output end of the information checking module (304), and the output end of the data adding module (305) is connected with the input end of a database (2).
2. A credit rating system with high risk screening function according to claim 1, wherein the processing mechanism (1) comprises:
a query input module (101);
a data transmission module (102) connected to an output of the query input module (101);
a search module (103) connected to an output of the data transmission module (102).
3. The credit rating system with high risk screening function according to claim 2, wherein the output end of the search module (103) is connected with a rating mechanism (4), the output end of the rating mechanism (4) is connected with a screening module (5) and a drawing sorting module (6), the drawing sorting module (6) and the screening module (5) are connected in parallel, and the output ends of the screening module (5) and the drawing sorting module (6) are connected with the display module (7).
4. A credit rating system with high risk screening function according to claim 3, wherein the rating mechanism (4) comprises;
a first extraction module (401);
a rating module (402) connected at the output of the first extraction module (401), the rating module (402) being connected in parallel with the screening module (5).
5. A credit rating system with high risk screening function according to claim 4, wherein the rating mechanism (4) further comprises:
a rating data storage module (403) disposed at an output of the rating module (402), the rating data storage module (403) and the drawing arrangement module (6) being connected in series.
6. A credit rating system with high risk screening function according to claim 3, wherein the screening module (5) comprises:
a credit reduction behavior screening module (501);
a high risk assessment module (502) connected at an output of the credit deduction behavior screening module (501);
a display specialization processing module (503) connected at the output of the high risk assessment module (502).
7. The credit rating system with high risk screening function of claim 6, wherein the screening module (5) further comprises:
the information sorting and arranging module (504) is connected to the output end of the display specialization processing module (503);
and the credit adding behavior screening module (505) is connected to the output end of the information sorting and arranging module (504), and the credit adding behavior screening module (505) is connected with the display specialization processing module (503) in parallel.
8. A credit rating system with high risk screening function according to claim 3, wherein the plot finishing module (6) comprises:
-a second extraction module (601) connected at the output of said rating data storage module (403);
a sorting module (602) connected to an output of the second extraction module (601).
9. The credit rating system with high risk screening function according to claim 8, wherein the plot finishing module (6) further comprises:
a drawing module (603) connected to an output of the sorting module (602);
a graphics optimization module (604) connected at an output of the drawing module (603).
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2021
- 2021-05-14 CN CN202110529692.9A patent/CN113298639A/en active Pending
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