CN115131136A - Convenient and convenient business-promoting service application system based on credit data - Google Patents
Convenient and convenient business-promoting service application system based on credit data Download PDFInfo
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- CN115131136A CN115131136A CN202210870145.1A CN202210870145A CN115131136A CN 115131136 A CN115131136 A CN 115131136A CN 202210870145 A CN202210870145 A CN 202210870145A CN 115131136 A CN115131136 A CN 115131136A
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Abstract
The invention discloses a credit data-based convenient and profitable service application system, which is an online cloud system and comprises: the system comprises a front-end application platform, a back-end foundation system and a back-end service management system; the roles configured by the system are divided into public, alliance members, basic management personnel and service management personnel; the system mainly comprises alliance member qualification auditing, service application auditing and issuing, service application by the public by means of determined credit grades, verification and cancellation by the alliance members according to the public credit grades, public online or offline payment, online mutual evaluation and other business processes to complete credit incentive, high separation of online platforms and credit data integration is realized, honest and credibility of the public and enterprises is encouraged through an online whole process, and social credit system construction is promoted.
Description
Technical Field
The invention relates to the technical field of credit processing, in particular to a convenient and convenient service application system based on credit data.
Background
With the increasingly repeated credit data of the nation and the deep application of the credit data in various industries, the credit data needs to be collected and cleaned and then applied in multiple industries in a certain digital system. However, due to the different use of credit data requirements and application scenarios in various industries, the related system has many drawbacks, such as: (1) services provided by various industries based on credit data are dispersed, and the basis for credit grade division is not high; (2) credit incentive measures are many, but most of them are mainly offline; (3) the online platforms and credit data have low fusion degree, and are usually only used for inquiring the credit investigation related data results, and the online platforms are not integrated by application; (4) lack of support means for integrated services; (5) and the whole process tracking and supervision for the development of the people-benefit service are difficult.
Disclosure of Invention
The invention aims to provide an online cloud platform, which solves the problem of the integration degree of the online platform and credit data by processing the credit data and applying the credit data to internet commerce of various industries, improves the basis of credit grade division and is convenient for better developing people-benefiting services.
In order to achieve the purpose, the invention adopts the following technical scheme:
a credit data based convenient for people and business service application system, said service application system being an online cloud system comprising: the system comprises a front-end application platform, a back-end foundation system and a back-end service management system; the roles configured by the use system are divided into the public, the alliance members, the basic management personnel and the service management personnel;
the front-end application platform comprises a registration authentication unit, a code scanning login unit, a public system unit and a coalition member system unit;
the registration authentication unit is used for providing the user with registration and authentication of an account;
the public system unit is used for providing service application for the public by credit grading;
the system unit of the coalition members is used for verifying the qualification of the coalition members, verifying and issuing service application, and performing verification and cancellation, online or offline payment and online mutual evaluation according to the grades of public credit;
the method specifically comprises the following steps of classifying the credit of the public users:
step S1, acquiring credit data of each user under a plurality of scenes through basic data cloud service and clustering to obtain statistical characteristics T; the expression of the statistical characteristic T is that T ═ T (T1, T2, T3, T4, T5, T6), where T1 represents the amount of loan currently piggybacked, T2 represents the user's personal income per year, T3 represents the user's current total amount of assets, T4 represents the number of overdue violations by the user, T5 represents the user's age, and T6 represents the working year limit;
step S2, calculating the importance of the statistical characteristics of the current user by a discrimination algorithm, wherein the formula of the discrimination algorithm is as follows:
wherein kj represents the weight value of each statistical characteristic, tj represents a certain statistical characteristic of the current user, and Σ t j Represents the sum of the above-mentioned certain statistical characteristics of all users,
represents the average value of tj;
step S3, inputting the importance of the statistical characteristics of the current user into a decision tree model to determine the credit classification level;
the back-end foundation system comprises an organization management unit, an authorization management unit, a website management unit, a supervision management unit, a log audit unit, a system setting unit and a comprehensive management unit;
the organization management unit is used for providing addition, subtraction, correction and query operations of organization data;
the authorization management unit is used for distributing different authorities for system roles;
the website management unit is used for realizing maintenance and management operation of an online website;
the supervision management unit is used for monitoring various operations in the system;
the log auditing unit is used for recording data operation records in each unit and auditing;
the system setting unit is used for carrying out configuration operation of system related operation;
the comprehensive management unit is used for providing running environment configuration, database management and service application parameter configuration;
the back-end service management system comprises a member auditing unit, a renewal management unit, a credit commitment unit, a service management unit, a member complaint unit and a public complaint unit;
the member auditing unit is used for providing various auditing and approving functions for the members;
the system comprises a login user, a renewal management unit and a login control unit, wherein the renewal management unit is used for providing renewal operation for the login user;
the credit commitment unit is used for providing the user with uploading operation of various credit certificates;
the service management unit is used for providing various background services for work;
the member complaint unit is used for providing necessary complaint and logout operations for the registered user;
the public complaint unit is used for providing necessary complaint demand operation for the user.
Further, the system architecture uses Flutter cross-platform technology.
Further, the system architecture is realized by adopting a framework and a technology which are mainstream in the industry, wherein the presentation layer is developed based on a SpringCloud framework, the persistence layer ORM framework adopts MyBatis-Plus, and the business layer adopts an IOC container Spring3 for system integration.
Further, the logic processing layer completes the business processing and data processing of each business logic, and basic data cloud service provides the most basic credit data.
The invention has the beneficial effects that:
(1) according to the method, credit data of each user under multiple scenes are obtained through basic data cloud service and are subjected to clustering processing to obtain statistical characteristics, the importance of the statistical characteristics of the current user is calculated through a discrimination algorithm, and the importance of the statistical characteristics of the current user is input into a decision tree model to determine credit classification levels. The invention integrates the advantages of the cluster analysis, the discrimination algorithm and the decision tree model, thereby greatly improving the efficiency and the accuracy of determining the credit classification grade and providing convenience and effectiveness for subsequent further online system design.
(2) The invention realizes high separation of the online platform and the credit data fusion by calling the credit data of basic data cloud service; through the online full process, honesty and faith of the public and enterprises are stimulated, and the construction of a social credit system is promoted;
(3) through the 'credit and easy' theme, the invention can flexibly expand the theme into various scenes of convenient people to the preferential enterprises, such as credit and easy going, credit and the like; through the closed-loop management of the business, the whole process of the business can be tracked and supervised.
Drawings
FIG. 1 is a schematic diagram of the present system;
FIG. 2 is a functional system diagram of the present system;
FIG. 3 is a schematic diagram of a business process implemented using the present system;
FIG. 4 is a diagram of a registration login interface of a system application terminal;
FIG. 5 is a diagram of a home interface of a system application terminal;
FIG. 6 is a management interface diagram of the system application terminal;
FIG. 7 is a flow chart for determining credit classification levels.
Detailed Description
The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the relevant invention and not restrictive of the invention. It should be noted that, for convenience of description, only the portions related to the present invention are shown in the drawings.
As shown in fig. 1-7, the system of the present invention completes credit incentive mainly around the business processes of qualification audit of coalition members, audit and issue of service application, service application by the public by credit rating, underwriting by coalition members according to the credit rating of the public, public online or offline payment, online mutual evaluation, etc.
Specifically, the embodiment provides a service application system for convenience and convenience enterprises based on credit data, the service application system is an online cloud system, and the service application system includes: the system comprises a front-end application platform, a back-end foundation system and a back-end service management system; the roles configured by the use system are divided into the public, the alliance members, the basic management personnel and the service management personnel;
the front-end application platform comprises a registration authentication unit, a code scanning login unit, a public system unit and a coalition member system unit;
the registration authentication unit is used for providing the user with registration and authentication of an account;
the public system unit is used for providing service application for the public by credit grading;
the system unit of the alliance members is used for auditing the qualification of the alliance members, auditing and issuing service application, and performing verification and cancellation, online or offline payment and online mutual evaluation according to the grades of public credit;
the method specifically comprises the following steps of classifying the credit of the public users:
step S1, acquiring credit data of each user under a plurality of scenes through basic data cloud service and clustering to obtain statistical characteristics T; the expression of the statistical characteristic T is T ═ T (T1, T2, T3, T4, T5, T6), wherein T1 represents the amount of loan currently carried on the back, T2 represents the user's personal income per year, T3 represents the user's total current amount of assets, T4 represents the user's number of overdue violations, T5 represents the user's age, and T6 represents the working year limit;
step S2, calculating the importance of the statistical characteristics of the current user by a discrimination algorithm, wherein the formula of the discrimination algorithm is as follows:
wherein kj represents the weight value of each statistical characteristic, tj represents a certain statistical characteristic of the current user, and Σ t j Is shown inThere is a sum of some statistical characteristics of the users mentioned above,
represents the average value of tj;
step S3, inputting the importance of the statistical characteristics of the current user into a decision tree model to determine the credit classification level;
the back-end foundation system comprises an organization management unit, an authorization management unit, a website management unit, a supervision management unit, a log audit unit, a system setting unit and a comprehensive management unit;
the organization management unit is used for providing addition, subtraction, correction and query operations of organization data;
the authorization management unit is used for distributing different authorities for system roles;
the website management unit is used for realizing maintenance and management operation of an online website;
the supervision management unit is used for monitoring various operations in the system;
the log auditing unit is used for recording data operation records in each unit and auditing;
the system setting unit is used for carrying out configuration operation of system related operation;
the comprehensive management unit is used for providing running environment configuration, database management and service application parameter configuration;
the back-end service management system comprises a member auditing unit, a renewal management unit, a credit commitment unit, a service management unit, a member complaint unit and a public complaint unit;
the member auditing unit is used for providing various auditing and approving functions for the members;
the system comprises a login user, a renewal management unit and a login control unit, wherein the renewal management unit is used for providing renewal operation for the login user;
the credit commitment unit is used for providing the user with uploading operation of various credit certificates;
the service management unit is used for providing various background services for work;
the member complaint unit is used for providing necessary complaint and logout operations for the registered user;
the public complaint unit is used for providing necessary complaint demand operation for the user.
The technical implementation scheme for realizing the invention is as follows: the system architecture adopts a classic three-layer architecture and is realized by adopting a framework and a technology which are mainstream in the industry: the presentation layer is developed based on a SpringCloud framework, the persistent layer ORM framework adopts MyBatis-Plus, and the business layer adopts a famous IOC container Spring3 for system integration.
The architecture supports full coverage of online functions, service processing and data processing of each service logic are completed on a logic processing layer, and basic data cloud service provides the most basic credit data.
In order to realize the whole flow of the online service, the framework comprehensively covers all the use terminals, including a PC (personal computer) terminal, an APP (application) and a micro signal. Meanwhile, the latest Flutter cross-platform technology is adopted to meet application scenes of other platforms, such as large screens, vehicles and the like.
Claims (4)
1. A convenient and convenient service application system for an enterprise based on credit data is characterized in that the service application system is an online cloud system, and comprises: the system comprises a front-end application platform, a back-end basic system and a back-end service management system; the roles configured by the use system are divided into the public, the alliance members, the basic management personnel and the service management personnel;
the front-end application platform comprises a registration authentication unit, a code scanning login unit, a public system unit and a coalition member system unit;
the registration authentication unit is used for providing the user with registration and authentication of an account;
the public system unit is used for providing service application for the public by credit grading;
the system unit of the coalition members is used for verifying the qualification of the coalition members, verifying and issuing service application, and performing verification and cancellation, online or offline payment and online mutual evaluation according to the grades of public credit;
the method specifically comprises the following steps of classifying the credit of the public users:
step S1, acquiring credit data of each user under a plurality of scenes through basic data cloud service and clustering to obtain statistical characteristics T; the expression of the statistical characteristic T is T ═ T (T1, T2, T3, T4, T5, T6), wherein T1 represents the amount of loan currently carried on the back, T2 represents the user's personal income per year, T3 represents the user's total current amount of assets, T4 represents the user's number of overdue violations, T5 represents the user's age, and T6 represents the user's working age;
step S2, calculating the importance of the statistical characteristics of the current user by using a discrimination algorithm, wherein the discrimination algorithm has the following calculation formula:
wherein kj represents the weight value of each statistical characteristic, tj represents one of the statistical characteristics of the current user, and Σ t j The sum of the above-mentioned one statistical feature representing all users,
represents the average value of tj, and b is a correction coefficient;
step S3, inputting the importance of the statistical characteristics of the current user into a decision tree model to determine the credit classification level;
the back-end foundation system comprises an organization management unit, an authorization management unit, a website management unit, a supervision management unit, a log audit unit, a system setting unit and a comprehensive management unit;
the organization management unit is used for providing addition, subtraction, correction and query operations of organization data;
the authorization management unit is used for distributing different authorities for system roles;
the website management unit is used for realizing maintenance and management operation of an online website;
the supervision management unit is used for monitoring various operations in the system;
the log auditing unit is used for recording data operation records in each unit and auditing;
the system setting unit is used for carrying out configuration operation of system related operation;
the comprehensive management unit is used for providing running environment configuration, database management and service application parameter configuration;
the back-end service management system comprises a member auditing unit, a renewal management unit, a credit commitment unit, a service management unit, a member complaint unit and a public complaint unit;
the member auditing unit is used for providing various auditing and approving functions for the members;
the system comprises a login user, a renewal management unit and a login control unit, wherein the renewal management unit is used for providing renewal operation for the login user;
the credit commitment unit is used for providing the user with uploading operation of various credit certificates;
the service management unit is used for providing various background services for work;
the member complaint unit is used for providing necessary complaint and cancellation operations for the registered user;
the public complaint unit is used for providing necessary complaint demand operation for the user.
2. The credit-data-based convenient service application system for people and enterprises as claimed in claim 1, further comprising a system architecture using a Flutter cross-platform technology.
3. The system of claim 2, wherein the system architecture is implemented using mainstream framework and technology in the industry, wherein the presentation layer is developed based on a SpringCloud framework, the persistent layer ORM framework is MyBatis-Plus, and the business layer is system integrated using an IOC container Spring 3.
4. The convenient for people and enterprises service application system based on credit data as claimed in claim 3, further comprising a logic processing layer for completing business processing and data processing of each business logic, wherein the basic data cloud service provides the most basic credit data.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210870145.1A CN115131136A (en) | 2022-07-22 | 2022-07-22 | Convenient and convenient business-promoting service application system based on credit data |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210870145.1A CN115131136A (en) | 2022-07-22 | 2022-07-22 | Convenient and convenient business-promoting service application system based on credit data |
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| CN115131136A true CN115131136A (en) | 2022-09-30 |
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| CN202210870145.1A Pending CN115131136A (en) | 2022-07-22 | 2022-07-22 | Convenient and convenient business-promoting service application system based on credit data |
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