CN113887187A - Credit investigation data processing method and device, computer equipment and storage medium - Google Patents

Abstract

The invention discloses a credit investigation data processing method, a credit investigation data processing device, computer equipment and a storage medium, wherein the method comprises the following steps: receiving credit investigation data uploaded by a target client; constructing a life cycle of the current credit investigation data reporting, wherein the initial state of the life cycle is a state to be reported; assembling the credit investigation data into a message according to a preset message assembly rule, updating the state of the life cycle into a generated state and issuing the generated state to the target client; and uploading the message to a supervision center, updating the state of the life cycle into an uploaded state after the uploading is finished, and issuing the uploaded state to the target client. By the method, the credit investigation data reporting mode can be simplified, the reporting efficiency is improved, and the user can be informed of the reporting process in time.

Description

Credit investigation data processing method and device, computer equipment and storage medium

Technical Field

The present application relates to the field of credit investigation data processing, and in particular, to a method and an apparatus for processing credit investigation data, a computer device, and a storage medium.

Background

The credit reporting system (hereinafter referred to as reporting system) is an important hub of financial institutions accessing personal and enterprise credit reporting database systems, provides a simpler interface to be connected with each financial institution service system, and is mainly responsible for organizing and generating message files according to message specifications of the personal and enterprise credit reporting systems and analyzing feedback files of the personal and enterprise credit reporting systems; the system can also be independently operated as an independent system of the financial institution to provide system support for the financial institutions without self independent service systems, and meanwhile, the reporting system can customize other personalized functions for each financial institution according to actual requirements. And (2) reporting the token data: according to the requirement of the credit data transmission interface specification of the second generation credit investigation of the people's bank, the business information of personal and enterprise credit, mortgage, financing and financing ticket, bad asset disposal, credit card, guarantee and the like of a banking institution is reported to the second generation credit investigation system of the people's bank in a standard message form.

At present, as the number of internal business systems of a financial institution is large, a plurality of credit investigation main bodies exist, if each credit investigation main body reports according to the rules of the Chinese people's bank, each credit investigation main body needs a set of corresponding message generation method, so that great resource waste and repeated work can be caused, the cost consumed by reporting credit investigation data of the credit investigation main bodies is increased, resources are wasted, and the existing credit investigation data reporting system cannot record and feed back the reporting progress of the credit investigation data in real time in the whole process.

Disclosure of Invention

The application provides a credit investigation data processing method, a device, computer equipment and a storage medium, which are used for solving the problems that the existing credit investigation data reporting mode is too complicated and the reporting efficiency is low.

In order to solve the technical problem, the application adopts a technical scheme that: the credit investigation data processing method comprises the following steps: receiving credit investigation data uploaded by a target client; constructing a life cycle of the current credit investigation data reporting, wherein the initial state of the life cycle is a state to be reported; assembling credit investigation data into a message according to a preset message assembly rule, updating the state of the life cycle into a generated state and issuing the generated state to a target client; and uploading the message to a supervision center, updating the state of the life cycle into an uploaded state after the uploading is finished, and issuing the uploaded state to the target client.

As a further improvement of the present application, after receiving credit investigation data uploaded by a target client, the method further includes: and checking the credit investigation data according to a preset checking rule, and returning the credit investigation data to the target client when the credit investigation data is abnormal.

As a further improvement of the present application, the receiving of credit investigation data uploaded by a target client includes:

receiving a credit investigation reporting request uploaded by a target client, wherein the credit investigation reporting request comprises credit investigation data and user information; judging whether the user information is registered; when the user is registered, storing credit investigation data into a storage area corresponding to the user; when the user is not registered, distributing a corresponding storage area for the user, and then storing credit investigation data into the storage area, wherein the storage areas corresponding to different users are mutually isolated;

as a further improvement of the present application, after the credit investigation data is assembled into the message according to the preset message assembly rule, the method further includes: and storing the message into a storage area.

As a further improvement of the present application, assembling credit investigation data into a message according to a preset message assembly rule, updating the state of the life cycle to a generated state, and issuing the generated state to the target client, includes: acquiring a message template; analyzing credit investigation data to obtain a plurality of fields and a value corresponding to each field; filling the value into the corresponding position in the message template according to the corresponding relation between the field and the field in the message template to generate a message; and pre-checking the message, updating the state of the life cycle into a generated state after the message passes the check, and issuing the generated state to the target client.

As a further improvement of the present application, before uploading the message to the supervision center, the method further includes: generating a unique identification name corresponding to the message, and issuing the unique identification name to a target client; receiving a message downloading request sent by a target client, establishing a communication channel with the target client, and sending the message to the target client; receiving feedback information sent by a target client; when the received feedback information is a report confirmation instruction, uploading the message to a supervision center and performing subsequent operation; and when the received feedback information is a modification instruction, modifying the message according to the modification instruction, and sending the modified message to the target client for verification again after the modification is finished.

As a further improvement of the present application, after receiving credit investigation data uploaded by a target client, the method further includes: and dividing the credit investigation data into a basic field and an associated field based on a preset rule and then storing the basic field and the associated field.

In order to solve the above technical problem, the present application adopts another technical solution that: provided is a credit investigation data processing device, comprising: the first receiving module is used for receiving credit investigation data uploaded by a target client; the building module is used for building a life cycle of the current credit investigation data reporting, and the initial state of the life cycle is a state to be reported; the assembling module is used for assembling the credit investigation data into a message according to a preset message assembling rule, updating the state of the life cycle into a generated state and issuing the generated state to the target client; and the reporting module is used for uploading the message to the monitoring center, updating the state of the life cycle into an uploaded state after the uploading is finished, and transmitting the uploaded state to the target client.

In order to solve the above technical problem, the present application adopts another technical solution that: there is provided a computer device comprising a processor, a memory coupled to the processor, the memory having stored therein program instructions which, when executed by the processor, cause the processor to carry out the steps of the credit investigation data processing method as claimed in any one of the above.

In order to solve the above technical problem, the present application adopts another technical solution that: there is provided a storage medium storing program instructions capable of implementing the credit investigation data processing method as described in any one of the above.

The beneficial effect of this application is: the credit investigation data processing method constructs the life cycle of the current credit investigation data report after receiving the credit investigation data uploaded by the target client, then the credit investigation data is assembled into a message according to the preset message assembly rule, and the message is reported to the monitoring center, updating the life cycle in real time after the message is generated and when the message is uploaded, simultaneously sending the real-time state of the life cycle to a target client to inform the stage that the credit investigation data is uploaded, assembling the message of all credit investigation data of the credit investigation main body according to the preset message assembling rule, therefore, the message assembly service is unified, each credit investigation main body does not need to adopt a set of message assembly rules to assemble the message, the cost consumed by reporting the credit investigation data of the credit investigation main body is reduced, and meanwhile, the process of reporting the credit investigation data of the credit investigation main body can be informed in real time.

Drawings

Fig. 1 is a schematic structural diagram of a credit investigation data processing system according to an embodiment of the invention;

fig. 2 is a flowchart illustrating a credit investigation data processing method according to a first embodiment of the invention;

fig. 3 is a flowchart illustrating a credit investigation data processing method according to a second embodiment of the invention;

fig. 4 is a flowchart illustrating a credit investigation data processing method according to a third embodiment of the invention;

fig. 5 is a flowchart illustrating a credit investigation data processing method according to a fourth embodiment of the invention;

fig. 6 is a flowchart illustrating a credit investigation data processing method according to a fifth embodiment of the invention;

fig. 7 is a functional block diagram of a credit investigation data processing device according to a first embodiment of the invention;

fig. 8 is a functional block diagram of a credit investigation data processing device according to a second embodiment of the invention;

FIG. 9 is a schematic structural diagram of a computer device according to an embodiment of the present invention;

fig. 10 is a schematic structural diagram of a storage medium according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. 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 application.

The terms "first", "second" and "third" in this application are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any indication of the number of technical features indicated. Thus, a feature defined as "first," "second," or "third" may explicitly or implicitly include at least one of the feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless explicitly specifically limited otherwise. All directional indications (such as up, down, left, right, front, and rear … …) in the embodiments of the present application are only used to explain the relative positional relationship between the components, the movement, and the like in a specific posture (as shown in the drawings), and if the specific posture is changed, the directional indication is changed accordingly. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

Fig. 1 shows a schematic structural diagram of an embodiment of the credit data processing system of the invention. As shown in fig. 1, the credit investigation data processing system 1 includes a message assembly platform 11 and a plurality of clients 12, and each of the plurality of clients 12 is communicatively connected to the message assembly platform 11. When reporting credit investigation data, a user uploads credit investigation data to the message assembly platform 11 through the client 12, the message assembly platform 11 constructs a current life cycle of the reported credit investigation data, sets an initial state of the life cycle as a state to be reported, assembles the credit investigation data into a message according to a preset message assembly rule, updates the state of the life cycle into a generated state and sends the generated state to the client 12, then uploads the message to a supervision center, updates the state of the life cycle into an uploaded state after the uploading is completed, and sends the uploaded state to the client 12 again, so that the uploading of credit investigation data of different credit investigation subjects can be realized through the message assembly platform 11, and simultaneously synchronizes a reported process to the client 12 in real time.

Fig. 2 is a flowchart illustrating a credit investigation data processing method according to a first embodiment of the invention. It should be noted that the method of the present invention is not limited to the flow sequence shown in fig. 2 if the results are substantially the same. As shown in fig. 2, the method is applied to a message assembly platform, and the method includes the steps of:

step S101: and receiving credit investigation data uploaded by the target client.

In step S101, the credit investigation data includes basic information of credit investigation subject, loan transaction information, guarantee transaction information, credit agreement information, financial statement information, and the like.

Step S102: and constructing a life cycle of the current credit investigation data reporting, wherein the initial state of the life cycle is a state to be reported.

In step S102, in order to enable users of each credit investigation main body to know the life cycle of the credit investigation data reporting in real time, after receiving the credit investigation data uploaded by the target client, a life cycle of the credit investigation data reporting is constructed, where the life cycle includes a node to be reported for the credit investigation data, a node generated for the message, and a node uploaded for the message, and after constructing the life cycle, the initial state of the life cycle is set to be a state to be reported.

Step S103: and assembling the credit investigation data into a message according to a preset message assembly rule, updating the state of the life cycle into a generated state and issuing the generated state to the target client.

In step S103, after receiving the credit investigation data, the credit investigation data is assembled according to a preset message assembly rule to obtain a message. It should be noted that the preset message assembly rule is formulated according to the credit investigation data reporting requirement issued by the chinese people's bank, so as to ensure that the assembled message meets the requirement issued by the chinese people's bank. Further, after the message is assembled, the state of the life cycle of the current credit investigation data uploading is updated to the generated state, and the generated state is sent to the target client, so that the user is informed that the current credit investigation data uploading process is carried out to the node for message generation.

Further, it should be understood that when the requirement issued by the national bank is changed, only the preset message assembly rule needs to be changed correspondingly.

Further, in this embodiment, in order to facilitate assembling the packet, after step S101, the method further includes:

and dividing the credit investigation data into a basic field and an associated field based on a preset rule and then storing the basic field and the associated field.

It should be understood that fields in the credit data can be divided into basic fields and associated fields, there is an association between the basic fields and the associated fields, for example, taking a basic personal information segment as an example, when the basic personal information data is stored, the basic personal information segment data is stored first, and the primary keys are all in an increasing number column, and the corresponding associated fields can include a marital segment, an education segment, an occupation segment, an address segment, etc. when the basic personal information segment is stored, a basic personal information basic segment table, a basic personal information marital segment table, a basic personal information education segment table, a basic personal information occupation segment table, and a basic personal information address segment table are established, wherein the basic personal information marital segment table, the basic personal information education segment table, the basic personal information occupation segment table, and the basic personal information address segment table are all associated with the basic personal information basic segment table, the basic segment table of the personal basic information comprises value information corresponding to a main key, a batch number and a name field, the marital segment table of the personal basic information, the education segment table of the personal basic information, the occupation segment table of the personal basic information and an address segment table of the personal basic information comprise the main key, the batch number and value information corresponding to a field, and further comprise a physical main key of a basic segment, wherein the physical main key is used as an external key, when the batch number is used for inquiring data of each basic information segment (foundation, marital, education, occupation and the like), the data are inquired according to a single table and are sequenced according to the main key to obtain each set, the data of the basic segment are circulated when a message is assembled, and the information of an associated field is screened by taking the main key of the basic segment as a reference.

Further, in some embodiments, the step S103 specifically includes:

1. and acquiring a message template.

Specifically, the message template is formulated according to the requirements issued by the people's bank of China.

It should be noted that, in this embodiment, the requirement of the credit investigation data reported by different credit investigation main bodies is not completely the same, so different message templates are respectively constructed for different types of credit investigation main bodies. In this embodiment, after obtaining the credit investigation data, field information in the credit investigation data is analyzed, and then a message template with the highest matching degree is screened out from the message templates and used as a message template that needs to be used currently.

2. And analyzing the credit investigation data to obtain a plurality of fields and a value corresponding to each field.

Specifically, after acquiring credit investigation data, analyzing the credit investigation data to obtain field information and corresponding value information in the credit investigation data.

3. And filling the value into the corresponding position in the message template according to the corresponding relation between the field and the field in the message template so as to generate the message.

Specifically, the fields obtained by analysis are matched with the fields in the message template, and then the corresponding value information is filled into the message template, so that the assembled message is obtained.

4. And pre-checking the message, updating the state of the life cycle into a generated state after the message passes the check, and issuing the generated state to the target client.

Specifically, after the message is assembled, the message is checked to verify whether value information corresponding to a field in the message is missing or abnormal, and after the message passes the verification, the state of the life cycle is updated to the generated state and the generated state is sent to the target client.

Step S104: and uploading the message to a supervision center, updating the state of the life cycle into an uploaded state after the uploading is finished, and issuing the uploaded state to the target client.

In step S104, after the message is generated, the message is uploaded to the monitoring center, so as to complete uploading of the credit data. And after the message is uploaded, updating the state of the life cycle into an uploaded state, and sending the uploaded state to a target client to inform a user that the current credit investigation data uploading process is carried out to a node for message uploading.

The credit investigation data processing method of the first embodiment of the invention constructs the life cycle of the current credit investigation data report after receiving the credit investigation data uploaded by the target client, then the credit investigation data is assembled into a message according to the preset message assembly rule, and the message is reported to the monitoring center, updating the life cycle in real time after the message is generated and when the message is uploaded, simultaneously sending the real-time state of the life cycle to a target client to inform the stage that the credit investigation data is uploaded, assembling the message of all credit investigation data of the credit investigation main body according to the preset message assembling rule, therefore, the message assembly service is unified, each credit investigation main body does not need to adopt a set of message assembly rules to assemble the message, the cost consumed by reporting the credit investigation data of the credit investigation main body is reduced, and meanwhile, the process of reporting the credit investigation data of the credit investigation main body can be informed in real time.

Fig. 3 is a flowchart illustrating a credit investigation data processing method according to a second embodiment of the invention. It should be noted that the method of the present invention is not limited to the flow sequence shown in fig. 3 if the results are substantially the same. As shown in fig. 3, the method is applied to a message assembly platform, and the method includes the steps of:

step S201: and receiving credit investigation data uploaded by the target client.

In this embodiment, step S201 in fig. 3 is similar to step S101 in fig. 2, and for brevity, is not described herein again.

Step S202: and checking the credit investigation data according to a preset checking rule, and returning the credit investigation data to the target client when the credit investigation data is abnormal.

In step S202, the preset check rule is preset, and the checking of the credit investigation data according to the preset check rule is specifically to perform anomaly detection on a field in the credit investigation data and a value corresponding to the field, so as to determine whether an essential field or a value corresponding to the field is missing in the credit investigation data, when the anomaly is not detected, the credit investigation data is normal, and subsequent message assembly operation can be performed, and when the anomaly is detected, in order to ensure that the uploaded credit investigation data is accurate, the credit investigation data is returned to a target client, and the credit investigation data is supplemented and/or modified by a user.

Step S203: and constructing a life cycle of the current credit investigation data reporting, wherein the initial state of the life cycle is a state to be reported.

In this embodiment, step S203 in fig. 3 is similar to step S102 in fig. 2, and for brevity, is not described herein again.

Step S204: and assembling the credit investigation data into a message according to a preset message assembly rule, updating the state of the life cycle into a generated state and issuing the generated state to the target client.

In this embodiment, step S204 in fig. 3 is similar to step S103 in fig. 2, and for brevity, is not described herein again.

Step S205: and uploading the message to a supervision center, updating the state of the life cycle into an uploaded state after the uploading is finished, and issuing the uploaded state to the target client.

In this embodiment, step S205 in fig. 3 is similar to step S104 in fig. 2, and for brevity, is not described herein again.

The credit investigation data processing method of the second embodiment of the invention ensures the accuracy of the reported credit investigation data by checking the credit investigation data before message assembly based on the first embodiment.

Fig. 4 is a flowchart illustrating a credit investigation data processing method according to a third embodiment of the invention. It should be noted that the method of the present invention is not limited to the flow sequence shown in fig. 4 if the results are substantially the same. As shown in fig. 4, the method is applied to a message assembly platform, and the method includes the steps of:

step S301: and receiving a credit investigation reporting request uploaded by a target client, wherein the credit investigation reporting request comprises credit investigation data and user information.

In step S301, when the user needs to upload credit data, a credit reporting request is uploaded through the target client, where the credit reporting request includes the credit data and user information, and the user information is a unique identifier of the user.

Step S302: it is determined whether the user information is registered. When the user is registered, step S303 is executed; when the user is not registered, step S304 is performed.

In step S302, after receiving the credit investigation report request, it is determined whether the user is registered according to the user information in the credit investigation report request. Generally, when the user reports the credit investigation data for the first time, the user is not registered, so after obtaining the user information, it is determined whether the user information is registered, if so, step S303 is executed, and if not, step S304 is executed.

Step S303: and storing the credit investigation data into a storage area corresponding to the user.

Step S304: and distributing corresponding storage areas for the users, and then storing the credit investigation data into the storage areas, wherein the storage areas corresponding to different users are mutually isolated.

Specifically, in this embodiment, after obtaining the user information, it is determined whether the user information is already registered, if the user information is already registered, the credit investigation data is directly stored in the storage area corresponding to the user, and if the user information is not registered, the user information is registered, and when registering, the corresponding storage area is allocated to the user, and then the credit investigation data is stored in the storage area. The embodiment realizes the mutual isolation of credit investigation data of users in different users.

Step S305: and constructing a life cycle of the current credit investigation data reporting, wherein the initial state of the life cycle is a state to be reported.

In this embodiment, step S305 in fig. 4 is similar to step S102 in fig. 2, and for brevity, is not described herein again.

Step S306: and assembling the credit investigation data into a message according to a preset message assembly rule, updating the state of the life cycle into a generated state and issuing the generated state to the target client.

In this embodiment, step S306 in fig. 4 is similar to step S103 in fig. 2, and for brevity, is not described herein again.

Step S307: and storing the message into a storage area.

Specifically, after the message is assembled, the message is stored in the storage area, so that the message information of the current credit investigation data is recorded, and the subsequent check is facilitated.

Step S308: and uploading the message to a supervision center, updating the state of the life cycle into an uploaded state after the uploading is finished, and issuing the uploaded state to the target client.

In this embodiment, step S308 in fig. 4 is similar to step S104 in fig. 2, and for brevity, is not described herein again.

On the basis of the first embodiment, the credit investigation data processing method according to the third embodiment of the present invention allocates an independent storage area to each user for the convenience of managing credit investigation data of each user, where the storage area includes 1 database and 1 NAS disk, and the storage areas corresponding to different users are isolated from each other, so that the data in different storage areas are independent from each other and do not generate interference.

Fig. 5 is a flowchart illustrating a credit investigation data processing method according to a fourth embodiment of the invention. It should be noted that the method of the present invention is not limited to the flow sequence shown in fig. 5 if the results are substantially the same. As shown in fig. 5, the method is applied to a message assembly platform, and the method includes the steps of:

step S401: and receiving credit investigation data uploaded by the target client.

In this embodiment, step S401 in fig. 5 is similar to step S101 in fig. 2, and for brevity, is not described herein again.

Step S402: and constructing a life cycle of the current credit investigation data reporting, wherein the initial state of the life cycle is a state to be reported.

In this embodiment, step S402 in fig. 5 is similar to step S102 in fig. 2, and for brevity, is not described herein again.

Step S403: and assembling the credit investigation data into a message according to a preset message assembly rule, updating the state of the life cycle into a generated state and issuing the generated state to the target client.

In this embodiment, step S403 in fig. 5 is similar to step S103 in fig. 2, and for brevity, is not described herein again.

Step S404: and generating a unique identification name corresponding to the message, and issuing the unique identification name to the target client.

Specifically, after the message is generated, the unique identifier name corresponding to the message is generated, and the unique identifier name is issued to the target client, so that the user can confirm the corresponding message by the unique identifier name.

Step S405: and receiving a message downloading request sent by the target client, establishing a communication channel with the target client, and sending the message to the target client.

Specifically, after the unique identification name of the message is sent to the target client, the user can send a downloading request to the client through the target client, and after receiving the downloading request, a communication channel between the user and the target client is established, and the message can be downloaded to the target client through the communication channel.

Step S406: and receiving feedback information sent by the target client. When the received feedback information is a report confirmation instruction, executing step S408; when the received feedback information is a modification instruction, step S407 is executed

Step S407: and modifying the message according to the modification instruction, and sending the modified message to the target client again for verification.

Step S408: and uploading the message to a supervision center, updating the state of the life cycle into an uploaded state after the uploading is finished, and issuing the uploaded state to the target client.

In this embodiment, step S409 in fig. 5 is similar to step S104 in fig. 2, and for brevity, is not described herein again.

The credit investigation data processing method of the fourth embodiment of the invention is based on the first embodiment, after a target client downloads a message, the message is displayed to a user for the user to confirm, and after the user confirms, feedback information is sent to a message assembly platform, wherein the feedback information comprises a confirmation report instruction and a modification instruction, when the feedback information is the confirmation report instruction, subsequent message uploading operation and life cycle state updating operation can be executed, and when the feedback information is the modification instruction, the message needs to be modified according to modified credit investigation information in the modification instruction, and the modified message is sent to the target client again for verification, so as to ensure the accuracy of the message.

Fig. 6 is a flowchart illustrating a credit investigation data processing method according to a fifth embodiment of the invention. It should be noted that the method of the present invention is not limited to the flow sequence shown in fig. 6 if the results are substantially the same. As shown in fig. 6, the method is applied to a client, and the method includes the steps of:

step S501: and when a credit investigation reporting instruction is received, acquiring credit investigation data of a credit investigation main body.

Step S502: and uploading the credit investigation data to a message assembly platform.

Step S503: and receiving the state of the life cycle of the credit investigation data reporting flow transmitted by the message assembly platform.

It should be noted that, the status of the life cycle includes a to-be-reported status, a generated status, and an uploaded status, and when the status of the life cycle of the credit investigation data reporting procedure issued by the received message assembly platform is the generated status, after step S503, the method further includes:

1. and receiving the unique identification name of the message sent by the message assembly platform.

2. And downloading the message from the message assembly platform according to the unique identification name.

3. And prompting the user to verify the message.

4. And when the verification result of the user is that the message is correct, feeding back a confirmation report instruction to the message assembly platform.

5. And when the verification result of the user is that the message is incorrect, generating a modification instruction according to the credit investigation data modified by the user and sending the modification instruction to the message assembly platform.

Specifically, in this embodiment, after a message is assembled, a message assembly platform sends a unique identifier name corresponding to the message to a client, after the client receives the unique identifier name, the client downloads the corresponding message from the message assembly platform according to the unique identifier name, and then displays the message for a user to verify the message, when the user verification passes, the client feeds back a confirmation report instruction to the message assembly platform, when the user verification fails, the client obtains credit investigation data modified by the user and generates a modification instruction, and then sends the modification instruction to the message assembly platform, so that the message assembly platform modifies the message according to the modification instruction.

The credit investigation data processing method of the fifth embodiment of the invention uploads the credit investigation data to the message assembly platform for uniform message assembly, so that the client does not need to establish a message assembly rule, and can receive the state of the life cycle of the credit investigation data reporting flow sent by the message assembly platform in real time, so as to acquire the reporting progress of the credit investigation data, thereby facilitating the management of users.

Fig. 7 is a functional block diagram of a credit investigation data processing device according to a first embodiment of the invention. As shown in fig. 7, the credit data processing apparatus 10 includes a first receiving module 11, a constructing module 12, an assembling module 13, and a reporting module 14.

The first receiving module 11 is configured to receive credit investigation data uploaded by a target client;

the building module 12 is configured to build a life cycle of the current credit investigation data reporting, where an initial state of the life cycle is a state to be reported;

the assembling module 13 is used for assembling the credit investigation data into a message according to a preset message assembling rule, updating the state of the life cycle into a generated state and sending the generated state to the target client;

and the reporting module 14 is configured to upload the message to the monitoring center, update the state of the life cycle to an uploaded state after the upload is completed, and send the updated state to the target client.

Optionally, after the first receiving module 11 performs an operation of receiving credit investigation data uploaded by the target client, the first receiving module is further configured to: and checking the credit investigation data according to a preset checking rule, and returning the credit investigation data to the target client when the credit investigation data is abnormal.

Optionally, the operation performed by the first receiving module 11 to receive the credit investigation data uploaded by the target client may also be: receiving a credit investigation reporting request uploaded by a target client, wherein the credit investigation reporting request comprises credit investigation data and user information; judging whether the user information is registered; when the user is registered, storing credit investigation data into a storage area corresponding to the user; when the user is not registered, distributing a corresponding storage area for the user, and then storing credit investigation data into the storage area, wherein the storage areas corresponding to different users are mutually isolated;

after the assembling module 13 performs the operation of assembling the credit investigation data into the message according to the preset message assembling rule, the assembling module is further configured to: and storing the message into a storage area.

Optionally, the assembling module 13 performs an operation of assembling the credit investigation data into the message according to the preset message assembling rule, updating the state of the life cycle to the generated state, and issuing the generated state to the target client, and may further include: acquiring a message template; analyzing credit investigation data to obtain a plurality of fields and a value corresponding to each field; filling the value into the corresponding position in the message template according to the corresponding relation between the field and the field in the message template to generate a message; and pre-checking the message, updating the state of the life cycle into a generated state after the message passes the check, and issuing the generated state to the target client.

Optionally, before the reporting module 14 performs the operation of uploading the message to the supervision center, the reporting module is further configured to: generating a unique identification name corresponding to the message, and issuing the unique identification name to a target client; receiving a message downloading request sent by a target client, establishing a communication channel with the target client, and sending the message to the target client; receiving feedback information sent by a target client; when the received feedback information is a report confirmation instruction, uploading the message to a supervision center and performing subsequent operation; and when the received feedback information is a modification instruction, modifying the message according to the modification instruction, and sending the modified message to the target client for verification again after the modification is finished.

For other details of the technical solutions implemented by the modules in the credit data processing apparatus in the first embodiment, reference may be made to the descriptions of the credit data processing methods in the second to fourth embodiments, and details are not repeated here.

Fig. 8 is a functional block diagram of a credit investigation data processing device according to a second embodiment of the invention. As shown in fig. 8, the credit data processing device 20 includes an obtaining module 21, an uploading module 22 and a second receiving module 23.

The acquisition module 21 is configured to acquire credit investigation data of a credit investigation main body when receiving a credit investigation reporting instruction;

the uploading module 22 is used for uploading the credit investigation data to the message assembling platform;

the second receiving module 23 is configured to receive a status of a life cycle of a credit investigation data reporting process issued by the message assembly platform.

Optionally, the states of the life cycle include a to-be-reported state, a generated state, and an uploaded state, and when the state of the life cycle of the credit investigation data reporting process issued by the received message assembly platform is the generated state, the second receiving module 23 is further configured to: receiving a unique identification name of a message issued by a message assembly platform; downloading the message from the message assembly platform according to the unique identification name; prompting a user to verify the message; when the verification result of the user is that the message is correct, feeding back a confirmation report instruction to the message assembly platform; and when the verification result of the user is that the message is incorrect, generating a modification instruction according to the credit investigation data modified by the user and sending the modification instruction to the message assembly platform.

For other details of the technical solution implemented by each module in the credit data processing apparatus in the second embodiment, reference may be made to the description of the credit data processing method in the fifth embodiment, and details are not repeated here.

It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Referring to fig. 9, fig. 9 is a schematic structural diagram of a computer device according to an embodiment of the present invention. As shown in fig. 9, the computer device 30 includes a processor 31 and a memory 32 coupled to the processor 31, wherein the memory 32 stores program instructions, and the program instructions, when executed by the processor 31, cause the processor 31 to execute the steps of the credit data processing method according to any of the above embodiments.

The processor 31 may also be referred to as a CPU (Central Processing Unit). The processor 31 may be an integrated circuit chip having signal processing capabilities. The processor 31 may also be a general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

Referring to fig. 10, fig. 10 is a schematic structural diagram of a storage medium according to an embodiment of the invention. The storage medium of the embodiment of the present invention stores program instructions 51 capable of implementing all the methods described above, where the program instructions 51 may be stored in the storage medium in the form of a software product, and include several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, or various media capable of storing program codes, or a computer device such as a computer, a server, a mobile phone, or a tablet.

In the several embodiments provided in the present application, it should be understood that the disclosed computer apparatus, device and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, a division of a unit is merely a logical division, and an actual implementation may have another division, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit. The above embodiments are merely examples and are not intended to limit the scope of the present disclosure, and all modifications, equivalents, and flow charts using the contents of the specification and drawings of the present disclosure or those directly or indirectly applied to other related technical fields are intended to be included in the scope of the present disclosure.

Claims (10)

1. A credit investigation data processing method is characterized by comprising the following steps:

receiving credit investigation data uploaded by a target client;

constructing a life cycle of the current credit investigation data reporting, wherein the initial state of the life cycle is a state to be reported;

assembling the credit investigation data into a message according to a preset message assembly rule, updating the state of the life cycle into a generated state and issuing the generated state to the target client;

and uploading the message to a supervision center, updating the state of the life cycle into an uploaded state after the uploading is finished, and issuing the uploaded state to the target client.

2. The credit investigation data processing method according to claim 1, wherein after receiving the credit investigation data uploaded by the target client, the method further comprises:

and checking the credit investigation data according to a preset checking rule, and returning the credit investigation data to the target client when the credit investigation data is abnormal.

3. The credit investigation data processing method according to claim 1, wherein the receiving the credit investigation data uploaded by the target client comprises:

receiving a credit investigation reporting request uploaded by the target client, wherein the credit investigation reporting request comprises the credit investigation data and user information;

judging whether the user information is registered or not;

when the user is registered, storing the credit investigation data into a storage area corresponding to the user;

and when the user is not registered, distributing a corresponding storage area for the user, and then storing the credit investigation data into the storage area, wherein the storage areas corresponding to different users are mutually isolated.

4. The credit investigation data processing method according to claim 3, wherein after the credit investigation data is assembled into a message according to a preset message assembly rule, the method further comprises:

and storing the message to the storage area.

5. The credit investigation data processing method according to claim 1, wherein the assembling the credit investigation data into a message according to a preset message assembling rule, updating the state of the life cycle to a generated state and issuing the generated state to the target client comprises:

acquiring a message template;

analyzing the credit investigation data to obtain a plurality of fields and a value corresponding to each field;

filling the value into the corresponding position in the message template according to the corresponding relation between the field and the field in the message template to generate the message;

and pre-checking the message, updating the state of the life cycle into a generated state after the message passes the check, and issuing the generated state to the target client.

6. The credit investigation data processing method according to claim 1, before uploading the message to a supervision center, further comprising:

generating a unique identification name corresponding to the message, and issuing the unique identification name to the target client;

receiving a message downloading request sent by the target client, establishing a communication channel with the target client, and sending the message to the target client;

receiving feedback information sent by the target client;

when the received feedback information is a report confirmation instruction, uploading the message to a supervision center and performing subsequent operation;

and when the received feedback information is a modification instruction, modifying the message according to the modification instruction, and sending the modified message to the target client for verification again after the modification is finished.

7. The credit investigation data processing method according to claim 1, wherein after receiving the credit investigation data uploaded by the target client, the method further comprises:

and dividing the credit investigation data into a basic field and an associated field based on a preset rule and then storing the basic field and the associated field.

8. A credit investigation data processing device, characterized in that the device comprises:

the first receiving module is used for receiving credit investigation data uploaded by a target client;

the building module is used for building a life cycle of the current credit investigation data report, and the initial state of the life cycle is a state to be reported;

the assembling module is used for assembling the credit investigation data into a message according to a preset message assembling rule, updating the state of the life cycle into a generated state and issuing the generated state to the target client;

and the reporting module is used for uploading the message to a monitoring center, updating the state of the life cycle into an uploaded state after the uploading is finished, and transmitting the uploaded state to the target client.

9. A computer device, characterized in that the computer device comprises a processor, a memory coupled to the processor, in which memory program instructions are stored which, when executed by the processor, cause the processor to carry out the steps of the credit data processing method according to any of claims 1-7.

10. A storage medium storing program instructions capable of implementing the credit data processing method according to any one of claims 1 to 7.

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