CN113344699A - Credit data circulating reporting system and method - Google Patents
Credit data circulating reporting system and method Download PDFInfo
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- CN113344699A CN113344699A CN202110738450.0A CN202110738450A CN113344699A CN 113344699 A CN113344699 A CN 113344699A CN 202110738450 A CN202110738450 A CN 202110738450A CN 113344699 A CN113344699 A CN 113344699A
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Abstract
The invention relates to the technical field of data processing, in particular to a credit investigation data circulating reporting system and a credit investigation data circulating reporting method, which comprise the following steps: an information acquisition module: the method comprises the steps of obtaining service event information of a user; an account number creating module: the credit investigation reporting account is used for establishing a credit investigation reporting account of a corresponding user according to the service event information; an information analysis module: the credit investigation reporting account is used for analyzing and judging whether the credit investigation reporting account of the same service product exists under the name of the user when the information acquisition module newly acquires the service event information; whether the last credit investigation report account number completes the loan settlement operation is analyzed and judged; a statistic reporting module: and the credit investigation reporting account is used for counting, summarizing and reporting the debit information recorded in the current credit investigation reporting account at the set time. The invention solves the problems that the acquisition of the limit information is difficult, and the existing personal credit reporting cycle reporting mode is adopted, so that the reporting of the personal credit is not facilitated.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a credit investigation data circulating reporting system and a credit investigation data circulating reporting method.
Background
The financial institution reports the reporting mode of individual credit to the credit investigation center, mainly divided into two reporting modes of single-stroke reporting and circular reporting. However, in the traditional circulation mode, the reporting of the personal credit requires the related information of the credit line depending on the credit business of the borrower, but it is difficult to acquire the credit line information of the borrower from each business system of the financial institution, and the difficulty is that the business system does not necessarily have the credit line information of the borrower, and the credit line information of the borrower is not updated in real time.
With the rapid development of the continuous times, the joint loan business of financial institutions is continuously developed. The common perception in the industry at present refers to that banks and cooperative financial institutions jointly release internet loans to eligible borrowers based on common loan conditions and according to agreed proportion for funding. However, as the joint loan service of the financial institution is continuously developed, the difficulty in obtaining the credit line information is further increased, and the existing circular reporting mode of personal credit investigation is very unfavorable for reporting the personal credit investigation.
Disclosure of Invention
One of the objectives of the present invention is to provide a credit data circulation reporting system, which solves the problems of difficult acquisition of credit limit information and inconvenience for personal credit reporting due to the adoption of the existing personal credit circulation reporting mode.
In order to achieve the above object, there is provided a credit data circulation report system, including:
an information acquisition module: the method comprises the steps of obtaining service event information of a user; the service event information comprises service product information and borrow information of corresponding service products;
an account number creating module: the credit investigation reporting account is used for establishing a credit investigation reporting account of a corresponding user according to the service event information;
an information analysis module: the credit investigation reporting account is used for analyzing and judging whether the credit investigation reporting account of the same service product exists under the name of the user when the information acquisition module newly acquires the service event information;
if the credit investigation account does not exist, generating a new credit investigation report account through an account creating module, and recording the service event information to the new credit investigation report account;
if yes, analyzing and judging whether the previous credit investigation reporting account completes the loan settlement operation or not, if the previous credit investigation reporting account completes the loan settlement operation, generating a new credit investigation reporting account through an account creation module, and recording newly acquired service event information to the new credit investigation reporting account; if the loan settlement operation is not finished, adding the newly acquired service event information into the last credit investigation report account;
a statistic reporting module: and the credit investigation reporting account is used for counting, summarizing and reporting the debit information recorded in the current credit investigation reporting account at the set time.
The principle and the advantages are as follows:
1. the information acquisition module is arranged to acquire the service event information of the user, the service event information comprises service product information and borrow information corresponding to the service product, the service product information and the borrow information are more convenient to acquire from a service system compared with credit line information, and the borrow information can also be used as a certificate of the credit line information and can replace the credit line information to report credit data.
2. The account creating module and the information analyzing module are arranged, when the information acquiring module acquires service event information newly, the information analyzing module analyzes and judges whether credit investigation reporting accounts of the same service product exist under the name of a user, if the credit investigation reporting accounts do not exist, the user does not currently loan or finishes the clearing operation of the loan, then the account creating module generates new credit investigation reporting accounts, and records the service event information to the new credit investigation reporting accounts, so that credit investigation data can be conveniently reported. If the credit investigation reporting account exists, the fact that the user has the same loan is shown, then whether the previous credit investigation reporting account completes the loan settlement operation is analyzed and judged, if the loan settlement operation is completed, the previous credit investigation reporting account is not used, a new credit investigation reporting account is generated through an account creating module, and newly acquired service event information is recorded into the new credit investigation reporting account; and if the loan settlement operation is not finished, adding the newly acquired service event information into the last credit investigation report account. Through the arrangement, the situation that the same credit investigation reporting account number has excessive credit investigation data to cause data redundancy, and therefore the cyclic reporting of the credit investigation data is influenced can be avoided.
3. The setting of the statistical reporting module can count, summarize and report the loan data information recorded in the current credit investigation reporting account at the set time, and the reporting is carried out by the method, so that the state of the loan service in the client's circulation mode can be reflected in time, unnecessary vacant window period of the loan service is avoided, and convenience is provided for the printing line to finish the verification.
Further, the service event information also comprises overdue borrowing information, returned arrearage amount information and borrowing settlement information of corresponding service products; further comprising:
a state updating module: and the state of the borrowing information is updated in real time according to the overdue borrowing information, the returned debt amount information and the borrowing settlement information.
By updating the state of the borrow information, the process trend of the service product is clearer, and the cyclic reporting of credit investigation data is facilitated.
Further, still include:
an account closing module: and the system is used for closing the current credit investigation reporting account when the state of the current credit investigation reporting account is updated to be the debit settlement.
The account closing module is arranged, so that the condition that the same credit reporting account has excessive credit reporting data to cause data redundancy and further influence the cyclic reporting of the credit reporting data can be avoided.
Further, still include:
borrow and maintain the management module: and the system is used for creating a borrow maintenance table according to the business event information.
The borrowing information centralized management is convenient, and therefore the borrowing information can be conveniently called when needed.
The second objective of the present invention is to provide a credit data circulation reporting method, which is applied to the above system, and specifically includes the following steps:
an information acquisition step: acquiring service event information of a user; the service event information comprises service product information and borrow information of corresponding service products;
an account number creating step: creating credit investigation reporting account numbers of corresponding users according to the service event information;
and information analysis step: when the service event information is newly acquired in the information acquisition step, analyzing and judging whether credit investigation reporting accounts of the same service product exist under the name of the user;
if the credit investigation account does not exist, generating a new credit investigation report account through an account creating step, and recording the service event information to the new credit investigation report account;
if yes, analyzing and judging whether the previous credit investigation reporting account completes the loan settlement operation or not, if the previous credit investigation reporting account completes the loan settlement operation, generating a new credit investigation reporting account through an account creating step, and recording newly acquired service event information to the new credit investigation reporting account; if the loan settlement operation is not finished, adding the newly acquired service event information into the last credit investigation report account;
and a statistical reporting step: and counting and summarizing the borrow information recorded in the current credit investigation reporting account at the set time and reporting the borrowed information.
The principle and the advantages are as follows:
1. the setting of the information acquisition step can acquire the service event information of the user, the service event information comprises service product information and borrow information of corresponding service products, the service product information and the borrow information are more convenient to acquire from a service system compared with credit line information, and the borrow information can also be used as a certificate of the credit line information and can replace the credit line information to report credit data.
2. The method comprises the steps of setting an account number creating step and an information analyzing step, wherein when business event information is newly acquired in the information acquiring step, the information analyzing step analyzes and judges whether credit investigation reporting account numbers of the same business product exist under the name of a user, if the credit investigation reporting account numbers do not exist, the user does not currently loan or finishes the clearing operation of the loan, then the new credit investigation reporting account number is generated in the account number creating step, and the business event information is recorded into the new credit investigation reporting account number, so that credit investigation data can be conveniently reported. If the credit investigation report account exists, the user is proved to have the same loan, then whether the previous credit investigation report account completes the loan clearing operation is analyzed and judged, if the loan clearing operation is completed, the previous credit investigation report account is not used, a new credit investigation report account is generated through an account creating step, and newly acquired service event information is recorded into the new credit investigation report account; and if the loan settlement operation is not finished, adding the newly acquired service event information into the last credit investigation report account. Through the arrangement, the situation that the same credit investigation reporting account number has excessive credit investigation data to cause data redundancy, and therefore the cyclic reporting of the credit investigation data is influenced can be avoided.
3. The method can be used for reporting, can reflect the state of loan service in the client's cycle mode in time, avoids unnecessary loan service blank window period, and provides convenience for printing on-line settlement and verification.
Further, the service event information also comprises overdue borrowing information, returned arrearage amount information and borrowing settlement information of corresponding service products; further comprising the steps of:
and a state updating step: and updating the state of the borrowing information in real time according to the overdue borrowing information, the returned debt amount information and the borrowing settlement information.
By updating the state of the borrow information, the process trend of the service product is clearer, and the cyclic reporting of credit investigation data is facilitated.
Further, the method also comprises the following steps:
an account closing step: and when the state of the current credit investigation reporting account is updated to be the debit settlement, closing the current credit investigation reporting account.
The setting of the account closing step can avoid that the same credit investigation reporting account has excessive credit investigation data, which causes data redundancy, thereby influencing the cycle reporting of the credit investigation data.
Further, the method also comprises the following steps:
borrow maintenance management steps: and creating a borrow maintenance table according to the service event information.
The borrowing information centralized management is convenient, and therefore the borrowing information can be conveniently called when needed.
Drawings
Fig. 1 is a logic block diagram of a credit data circulation reporting system according to an embodiment of the present invention.
Detailed Description
The following is further detailed by way of specific embodiments:
examples
A credit data circulation reporting system, substantially as shown in figure 1: the server specifically comprises the following modules:
an information acquisition module: the method comprises the steps of obtaining service event information of a user; the service event information comprises service product information, borrowing information corresponding to the service products, borrowing overdue information, returned debt amount information and borrowing settlement information corresponding to the service products.
For example, the user zhang san, a loan is made in 1 month and 1 day of 2021, the loan corresponds to a business product, the business product information includes a product type X, and the borrowing information includes: the business flow number A has a distribution date of 2021-01-01, a term of 2 years, a due date of 2022-12-31 and a sum of 1 ten thousand.
The third user has taken place a loan again in 2021 year 1 month 4 days, this loan is corresponding for the business product, and the product type of borrowing is X in the business product information, and its borrowing includes according to the information: the business flow number B has a distribution date of 2021-01-04, a term of 2 years, a due date of 2023-01-03 and a sum of 3 ten thousands.
The third user has taken place a loan again in 2021 year 3 month 5 days, this loan is corresponding for the business product, the product type of borrowing is X in the business product information, and its borrowing includes according to the information: the business serial number C has a release date of 2021-06-05, a term of 2 years, a due date of 2023-06-05 and a sum of 3 ten thousands.
Borrow and maintain the management module: and the system is used for creating a borrow maintenance table according to the business event information. For example, borrow 1: the business flow number A has a distribution date of 2021-01-01, a term of 2 years, a due date of 2022-12-31 and a sum of 1 ten thousand. Borrowing 2: the business flow number B has a distribution date of 2021-01-04, a term of 2 years, a due date of 2023-01-03 and a sum of 3 ten thousands. Borrowing 3: the business serial number C has a release date of 2021-06-05, a term of 2 years, a due date of 2023-06-05 and a sum of 3 ten thousands. Through list display, checking statistics is more convenient.
An account number creating module: the credit investigation reporting account is used for establishing a credit investigation reporting account of a corresponding user according to the service event information; and the borrowing information corresponding to the service products is in the same credit reporting account.
An account closing module: and the system is used for closing the current credit investigation reporting account when the state of the current credit investigation reporting account is updated to be the debit settlement. When the settlement operation is not completed for all three borrowes opened by the user, only the settlement operation for one or two borrowes is completed, the current credit investigation reporting account is not closed, and when the settlement operation is completed for all three borrowes opened by the user, the current credit investigation reporting account is closed.
A state updating module: and the state of the borrowing information is updated in real time according to the overdue borrowing information, the returned debt amount information and the borrowing settlement information. For example, the borrowing of the business serial number A is overdue at 1/2023, and the state of the borrowing information corresponding to the business serial number A is updated to be overdue. The borrowing of the business serial number B is overdue within 1 month and 4 months in 2023, and the state of the borrowing information corresponding to the business serial number B is updated to be overdue.
If the user opens three in 2023, 5 month and 1 day, the operation of returning the arrearage amount is performed on the borrowing of the business serial number A, and at the moment, the state of the borrowing information corresponding to the business serial number A is updated to be returned arrearage. If the user opens three in 2023, 5 month and 2 days, the operation of returning the arrearage amount is carried out on the borrowing of the business serial number B, and at the moment, the state of the borrowing information corresponding to the business serial number B is updated to be the returned arrearage amount.
If the user Zhang III performed the operation of closing the borrowing of the business serial number A in 2023, 6 months and 1 days, and the state of the borrowing information corresponding to the business serial number A is updated to be closed. If the user Zhang III in 2023, 6 months and 3 days, the borrowing settlement operation is carried out on the borrowing of the business serial number B, and at the moment, the state of the borrowing information corresponding to the business serial number B is updated to be the borrowing settlement.
The borrowing of the business serial number C is overdue within 6-5 months in 2023, and the state of the borrowing information corresponding to the business serial number C is updated to be overdue. If the user opens three in 2023, 6 months and 10 days, the operation of returning the arrearage amount is carried out on the borrowing of the business serial number C, and at the moment, the state of the borrowing information corresponding to the business serial number C is updated to be the returned arrearage amount. If the user Zhang III in 2023, 7, 5 days, the borrowing of the business serial number C is finished, and the state of the borrowing information corresponding to the business serial number C is updated to be finished. At the moment, the borrowing corresponding to the service serial number A, the service serial number B and the service serial number C is finished, and the current credit investigation report account can be closed through the account closing module.
An information analysis module: the credit investigation reporting account is used for analyzing and judging whether the credit investigation reporting account of the same service product exists under the name of the user when the information acquisition module newly acquires the service event information;
if the credit investigation account does not exist, generating a new credit investigation report account through an account creating module, and recording the service event information to the new credit investigation report account; for example, the borrowing of the service flow number a is the first transaction, and no credit investigation reporting account exists, so the information analysis module can generate a new credit investigation reporting account through the account creation module and record the service event information to the new credit investigation reporting account.
If yes, analyzing and judging whether the previous credit investigation reporting account completes the loan settlement operation or not, if the previous credit investigation reporting account completes the loan settlement operation, generating a new credit investigation reporting account through an account creation module, and recording newly acquired service event information to the new credit investigation reporting account; if the loan settlement operation is not finished, adding the newly acquired service event information into the last credit investigation report account; and the borrowing processing time interval between the borrowing information corresponding to the service serial number B and the service serial number C and the borrowing processing time interval of the service serial number A are short, and the borrowing of the service serial number A is not finished, so that the borrowing information corresponding to the service serial number B and the service serial number C can be summarized to the credit investigation report account corresponding to the service serial number A.
When the user opens three in 2023, 7 months and 10 days, a loan is generated, the loan corresponds to a business product, the business product information comprises the type of the loan product X, and the borrowing information comprises: the service serial number D has the issuing date of 2021-07-10, the term of 2 years, the due date of 2023-07-09 and the sum of 1 ten thousand. At this time, the borrowing completion operation of the borrowing corresponding to the service serial number A, the service serial number B and the service serial number C in the last credit investigation report account is completed, so the information analysis module generates a new credit investigation report account through the account creation module and records the service event information corresponding to the service serial number D into the new credit investigation report account.
A statistic reporting module: and the credit investigation reporting account is used for counting, summarizing and reporting the debit information recorded in the current credit investigation reporting account at the set time. In this embodiment, the set time is the end of each month, that is, the end of each month counts and summarizes the borrow information recorded in the current credit investigation reporting account and reports the borrowed information. And reporting the newly opened credit investigation reporting account on the same day. For example:
2021-01-01 will report an indication (serial number ZXA): zhang san-credit start day (2021-01-01) -due day (2022-12-31) -amount dispensed (1 ten thousand) -new start; will not report in 2021, 1, 4 days.
2021-2-28 will report a credit (serial number ZXA): zhang san-credit initiation date (2021-01-01) -due date (2023-1-3) -amount dispensed (4 ten thousand) -normal;
2021-3-31 will report a credit (serial number ZXA): zhang san-credit start day (2021-01-01) -due day (2023-3-5) -debit amount (7 ten thousand) -normal;
2023-1-31 will report a credit (serial number ZXA): zhang san-credit initiation date (2021-01-01) -due date (2023-3-5) -amount borrowed (7 ten thousand) -overdue;
2023-5-31 will report a credit (serial number ZXA): zhang san-credit start day (2021-01-01) -due day (2023-3-5) -debit amount (7 ten thousand) -normal;
2023-6-30 will report an indication (serial number ZXA): zhang san-credit start day (2021-01-01) -due day (2023-3-5) -debit amount (7 ten thousand) -normal;
2023-7-5 will report a credit (serial number ZXA): zhang san-credit start day (2021-01-01) -due day (2023-3-5) -amount of borrowed money (3 ten thousand) -clear.
2023-7-10 will report a credit (serial number ZXB): zhang san-credit investigation start day (2021-07-10) -due day (2022-7-9) -amount of debit (1 ten thousand) -new start;
2023-7-15 will report a credit (serial number ZXB): zhang San- -initial day of credit (2021-07-10) - -, due day (2022-7-9) - -amount borrowed (1 ten thousand) - -clear.
A credit investigation data circulation reporting method is applied to the system and specifically comprises the following steps:
an information acquisition step: acquiring service event information of a user; the service event information comprises service product information, borrowing information corresponding to the service products, borrowing overdue information, returned debt amount information and borrowing settlement information corresponding to the service products;
borrow maintenance management steps: and creating a borrow maintenance table according to the service event information.
An account number creating step: creating credit investigation reporting account numbers of corresponding users according to the service event information;
an account closing step: and when the state of the current credit investigation reporting account is updated to be the debit settlement, closing the current credit investigation reporting account.
And a state updating step: and updating the state of the borrowing information in real time according to the overdue borrowing information, the returned debt amount information and the borrowing settlement information.
And information analysis step: when the service event information is newly acquired in the information acquisition step, analyzing and judging whether credit investigation reporting accounts of the same service product exist under the name of the user;
if the credit investigation account does not exist, generating a new credit investigation report account through an account creating step, and recording the service event information to the new credit investigation report account;
if yes, analyzing and judging whether the previous credit investigation reporting account completes the loan settlement operation or not, if the previous credit investigation reporting account completes the loan settlement operation, generating a new credit investigation reporting account through an account creating step, and recording newly acquired service event information to the new credit investigation reporting account; if the loan settlement operation is not finished, adding the newly acquired service event information into the last credit investigation report account;
and a statistical reporting step: and counting and summarizing the borrow information recorded in the current credit investigation reporting account at the set time and reporting the borrowed information.
The foregoing is merely an example of the present invention, and common general knowledge in the field of known specific structures and characteristics is described herein in more detail, so that a person of ordinary skill in the art can understand all the prior art in the field and have the ability to apply routine experimentation before the present date, after knowing that all the common general knowledge in the field of the invention before the application date or the priority date of the invention, and the person of ordinary skill in the art can, in light of the teaching provided herein, combine his or her own abilities to complete and implement the present invention, and some typical known structures or known methods should not become an obstacle to the implementation of the present invention. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be determined by the contents of the claims, and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.
Claims (8)
1. A credit data circulation reporting system, comprising:
an information acquisition module: the method comprises the steps of obtaining service event information of a user; the service event information comprises service product information and borrow information of corresponding service products;
an account number creating module: the credit investigation reporting account is used for establishing a credit investigation reporting account of a corresponding user according to the service event information;
an information analysis module: the credit investigation reporting account is used for analyzing and judging whether the credit investigation reporting account of the same service product exists under the name of the user when the information acquisition module newly acquires the service event information;
if the credit investigation account does not exist, generating a new credit investigation report account through an account creating module, and recording the service event information to the new credit investigation report account;
if yes, analyzing and judging whether the previous credit investigation reporting account completes the loan settlement operation or not, if the previous credit investigation reporting account completes the loan settlement operation, generating a new credit investigation reporting account through an account creation module, and recording newly acquired service event information to the new credit investigation reporting account; if the loan settlement operation is not finished, adding the newly acquired service event information into the last credit investigation report account;
a statistic reporting module: and the credit investigation reporting account is used for counting, summarizing and reporting the debit information recorded in the current credit investigation reporting account at the set time.
2. The credit data circulation reporting system of claim 1, wherein: the service event information also comprises overdue borrowing information, returned arrearage amount information and borrowing settlement information of corresponding service products; further comprising:
a state updating module: and the state of the borrowing information is updated in real time according to the overdue borrowing information, the returned debt amount information and the borrowing settlement information.
3. The credit data circulation reporting system of claim 2, wherein: further comprising:
an account closing module: and the system is used for closing the current credit investigation reporting account when the state of the current credit investigation reporting account is updated to be the debit settlement.
4. The credit data circulation reporting system of claim 1, wherein: further comprising:
borrow and maintain the management module: and the system is used for creating a borrow maintenance table according to the business event information.
5. A credit data circulating reporting method is characterized by comprising the following steps:
an information acquisition step: acquiring service event information of a user; the service event information comprises service product information and borrow information of corresponding service products;
an account number creating step: creating credit investigation reporting account numbers of corresponding users according to the service event information;
and information analysis step: when the information acquisition module newly acquires the service event information, analyzing and judging whether credit investigation reporting account numbers of the same service product exist under the name of the user;
if the credit investigation account does not exist, generating a new credit investigation report account through an account creating module, and recording the service event information to the new credit investigation report account;
if yes, analyzing and judging whether the previous credit investigation reporting account completes the loan settlement operation or not, if the previous credit investigation reporting account completes the loan settlement operation, generating a new credit investigation reporting account through an account creation module, and recording newly acquired service event information to the new credit investigation reporting account; if the loan settlement operation is not finished, adding the newly acquired service event information into the last credit investigation report account;
and a statistical reporting step: and counting and summarizing the borrow information recorded in the current credit investigation reporting account at the set time and reporting the borrowed information.
6. The credit data circulation reporting method of claim 5, wherein: the service event information also comprises overdue borrowing information, returned arrearage amount information and borrowing settlement information of corresponding service products; further comprising the steps of:
and a state updating step: and updating the state of the borrowing information in real time according to the overdue borrowing information, the returned debt amount information and the borrowing settlement information.
7. The credit data circulation reporting method of claim 6, wherein: further comprising the steps of:
an account closing step: and when the state of the current credit investigation reporting account is updated to be the debit settlement, closing the current credit investigation reporting account.
8. The credit data circulation reporting method of claim 7, wherein: further comprising the steps of:
borrow maintenance management steps: and creating a borrow maintenance table according to the service event information.
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| US20170293972A1 (en) * | 2016-04-12 | 2017-10-12 | Michael van Bemmelen | Methods for providing overdraft lines of credit to non-account holders and devices thereof |
| CN109670938A (en) * | 2018-10-10 | 2019-04-23 | 苏宁消费金融有限公司 | Collage-credit data merges the method and system reported |
| CN112785411A (en) * | 2020-12-29 | 2021-05-11 | 平安消费金融有限公司 | Credit investigation data processing method, system, equipment and computer readable storage medium |
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