CN115687437A - Credit report query method and device, electronic equipment and readable storage medium - Google Patents
Credit report query method and device, electronic equipment and readable storage medium Download PDFInfo
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Abstract
The application provides a credit investigation report query method, a credit investigation report query device, electronic equipment and a readable storage medium, wherein the credit investigation report query method comprises the following steps: receiving an inquiry request which is uploaded by an inquiry user side and used for inquiring a credit investigation report of an inquired object; allocating a target credit investigation account for the query request from unused credit investigation accounts used for logging in a credit investigation system; judging whether the use times of the target credit investigation account in the specified time exceeds a preset threshold value or not; when the usage number of the target credit investigation account allocated to the query request in the specified time does not exceed the preset threshold, the target credit investigation account is taken as a final target credit investigation account; and sending an inquiry request to a credit investigation system by using the target credit investigation account so as to receive a credit investigation report which is sent by the credit investigation system and aims at the inquiry request, and sending the credit investigation report to an inquiry user side. By the method, the credit investigation account is prevented from being locked.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for querying a credit investigation report, an electronic device, and a readable storage medium.
Background
When a person or a business transacts a loan or other business, the financial institution needs to inquire about a credit investigation report of a borrower (person/business), generate a credit score for the borrower based on the credit investigation report, and determine a loan amount based on the credit score.
When inquiring about the credit investigation report from the credit investigation system (the system including credit investigation reports of all individuals and all enterprises), the inquiry system (the system inquiring about the credit investigation report) needs to inquire about the credit investigation account allocated to the inquiry system by the credit investigation system. However, currently, the number of credit investigation accounts allocated to the inquiry system by the credit investigation system is limited. When one credit investigation account frequently inquires credit investigation reports from the credit investigation system within a certain time, the credit investigation system locks the frequently inquired credit investigation users. After the credit investigation user is locked, the inquiry system cannot inquire the credit investigation report through the locked credit investigation account, and at the moment, the locked credit investigation account needs to be unlocked by a worker of the credit investigation system, and the credit investigation account can be normally used, so that the inquiry efficiency is influenced.
Disclosure of Invention
In view of the above, an object of the present application is to provide a method, an apparatus, an electronic device and a readable storage medium for inquiring a credit investigation report, so as to prevent a credit investigation account from being locked, thereby improving the efficiency of inquiring the credit investigation report.
In a first aspect, an embodiment of the present application provides a method for querying a credit report, where the method is applied to a query system, and the method includes:
receiving an inquiry request which is uploaded by an inquiry user side and used for inquiring a credit investigation report of an inquired object;
allocating a target credit investigation account for the query request from the currently unused credit investigation account for logging in the credit investigation system;
judging whether the use times of the target credit investigation account in the specified time exceeds a preset threshold value or not;
when the number of times of use exceeds the preset threshold, allocating a new target credit investigation account for the query request again until the number of times of use of the target credit investigation account allocated to the query request in a specified time does not exceed the preset threshold, and taking the target credit investigation account as the final target credit investigation account of the query request;
and sending the query request to the credit investigation system by using the final target credit investigation account so as to receive a credit investigation report which is sent by the credit investigation system and aims at the query request, and sending the credit investigation report to the query user terminal.
With reference to the first aspect, an embodiment of the present application provides a first possible implementation manner of the first aspect, where after determining whether the number of times of use of the target credit account in a specified time exceeds a preset threshold, the method further includes:
and when the using times do not exceed the preset threshold, the target credit investigation account is used for sending the query request to the credit investigation system so as to receive a credit investigation report which is sent by the credit investigation system and aims at the query request, and the credit investigation report is sent to the query user side.
With reference to the first aspect, an embodiment of the present application provides a second possible implementation manner of the first aspect, where the allocating a target credit investigation account for the query request from currently unused credit investigation accounts used for logging in a credit investigation system includes:
inquiring whether the authorization book of the inquired object is stored in the inquiry system or not according to the user information contained in the inquiry request; the authorization book represents a credit investigation report that the inquired object agrees to inquire the inquired user side;
when the authorization book is stored, allocating a target credit investigation account for the inquiry request from the credit investigation accounts which are used for logging in a credit investigation system and are not used currently.
With reference to the second possible implementation manner of the first aspect, this application example provides a third possible implementation manner of the first aspect, where, when the authorization book is stored, allocating a target credit investigation account for the query request from credit investigation accounts which are used for logging in a credit investigation system and are not currently used includes:
when the authorization book is stored, sending the authorization book and the query request to a rechecking user side so that a rechecking person corresponding to the rechecking user side rechecks the authorization book and the query request; the rechecking user side and the inquiring user side are user sides used by staff in the same financial institution;
and receiving a rechecking result returned by the rechecking user side, and when the rechecking result is that the confirmation is correct, distributing a target credit investigation account for the query request from the currently unused credit investigation account for logging in the credit investigation system.
With reference to the first aspect, an embodiment of the present application provides a fourth possible implementation manner of the first aspect, where after receiving a query request, which is uploaded by a query user side and used for querying a credit investigation report of a queried object, the method further includes:
judging whether the receiving time of the query request is a working day or not;
and when the receiving time of the query request is non-working days, sending prompt information for rejecting the query to the query user side.
With reference to the first aspect, an embodiment of the present application provides a fifth possible implementation manner of the first aspect, where the receiving a credit investigation report for the query request sent by the credit investigation system, and sending the credit investigation report to the querying user side includes:
receiving a credit investigation report aiming at the query request sent by the credit investigation system, sending the credit investigation report to the query user side, and storing the credit investigation report;
after receiving the query request for querying the credit investigation report of the queried object uploaded by the query user side, the method further includes:
inquiring whether a credit investigation report of the inquired object is contained in a credit investigation report stored in the inquiry system according to the inquiry request;
when the credit investigation report of the inquired object is stored, calculating the current storage duration of the credit investigation report according to the storage time point and the current time point of the credit investigation report;
judging whether the current storage duration is greater than a preset effective duration or not;
and when the current storage duration is not longer than the preset effective duration, returning the stored credit investigation report of the inquired object to the inquiring user side.
With reference to the first aspect, an embodiment of the present application provides a sixth possible implementation manner of the first aspect, where the receiving a credit investigation report for the query request sent by the credit investigation system, and sending the credit investigation report to the querying user side includes:
receiving a credit investigation report aiming at the query request sent by the credit investigation system so as to respectively store each item of credit investigation information recorded in the credit investigation report;
according to the appointed inquiry information preset by the inquiry user side, screening target credit investigation information corresponding to the appointed inquiry information from various credit investigation information corresponding to the credit investigation report;
and generating a new credit investigation report according to the target credit investigation information so as to send the credit investigation report to the inquiry user side.
In a second aspect, an embodiment of the present application further provides an apparatus for querying a credit report, where the apparatus resides in a querying system, and the apparatus includes:
the first receiving module is used for receiving a query request which is uploaded by a query user side and used for querying a credit investigation report of a queried object;
the first allocation module is used for allocating a target credit investigation account for the query request from unused credit investigation accounts used for logging in a credit investigation system;
the first judgment module is used for judging whether the use times of the target credit investigation account in the specified time exceeds a preset threshold value or not;
the second allocation module is used for reallocating a new target credit investigation account for the query request when the using times exceed the preset threshold value until the using times of the target credit investigation account allocated to the query request in the specified time do not exceed the preset threshold value, and then taking the target credit investigation account as the final target credit investigation account of the query request;
and the first sending module is used for sending the query request to the credit investigation system by using the final target credit investigation account so as to receive a credit investigation report which is sent by the credit investigation system and aims at the query request, and sending the credit investigation report to the query user side.
With reference to the second aspect, the present application provides a first possible implementation manner of the second aspect, where the method further includes:
and the second sending module is used for sending the query request to the credit investigation system by using the target credit investigation account when the using times do not exceed the preset threshold after the judging module judges whether the using times of the target credit investigation account in the appointed time exceed the preset threshold, so as to receive a credit investigation report which is sent by the credit investigation system and aims at the query request, and sending the credit investigation report to the query user side.
With reference to the second aspect, an embodiment of the present application provides a second possible implementation manner of the second aspect, where the first allocating module, when configured to allocate, from credit investigation accounts used for logging in a credit investigation system and not currently used, a target credit investigation account for the query request, is specifically configured to:
inquiring whether the authorization book of the inquired object is stored in the inquiry system or not according to the user information contained in the inquiry request; the authorization book represents a credit investigation report that the inquired object agrees to inquire the inquired user side;
when the authorization book is stored, allocating a target credit investigation account for the inquiry request from the credit investigation accounts which are used for logging in a credit investigation system and are not used currently.
With reference to the second possible implementation manner of the second aspect, this application embodiment provides a third possible implementation manner of the second aspect, where the first allocating module, when configured to, when the authorization book is stored, allocate, from currently unused credit investigation accounts used for logging in a credit investigation system, a target credit investigation account for the inquiry request, is specifically configured to:
when the authorization book is stored, sending the authorization book and the query request to a rechecking user side so that a rechecking person corresponding to the rechecking user side rechecks the authorization book and the query request; the rechecking user side and the inquiring user side are user sides used by staff in the same financial institution;
and receiving a rechecking result returned by the rechecking user side, and when the rechecking result is correct, distributing a target credit investigation account for the query request from the credit investigation account which is used for logging in the credit investigation system and is not used currently.
With reference to the second aspect, an embodiment of the present application provides a fourth possible implementation manner of the second aspect, where the method further includes:
the second judging module is used for judging whether the receiving time for receiving the inquiry request is a working day or not after the first receiving module receives the inquiry request which is uploaded by the inquiry user end and used for inquiring the credit investigation report of the inquired object;
and the third sending module is used for sending prompt information for refusing the inquiry to the inquiry user side when the receiving time of the inquiry request is a non-working day.
With reference to the second aspect, an embodiment of the present application provides a fifth possible implementation manner of the second aspect, where the first sending module, when configured to send the query request to the credit investigation system by using a final target credit investigation account, to receive a credit investigation report for the query request sent by the credit investigation system, and send the credit investigation report to the query user end, is specifically configured to:
receiving a credit investigation report aiming at the query request sent by the credit investigation system, sending the credit investigation report to the query user side, and storing the credit investigation report;
further comprising:
the inquiry device is used for inquiring whether the credit investigation report of the inquired object is contained in the credit investigation report stored in the inquiry system according to the inquiry request after the first receiving module receives the inquiry request which is uploaded by the inquiry user end and used for inquiring the credit investigation report of the inquired object;
the calculation module is used for calculating the current storage duration of the credit investigation report according to the storage time point and the current time point of the credit investigation report when the credit investigation report of the inquired object is stored;
the third judging module is used for judging whether the current storage time length is greater than the preset effective time length or not;
and the returning module is used for returning the stored credit investigation report of the inquired object to the inquiring user side when the current storage duration is not more than the preset effective duration.
With reference to the second aspect, an embodiment of the present application provides a sixth possible implementation manner of the second aspect, where the first sending module, when being configured to receive the credit investigation report for the query request sent by the credit investigation system and send the credit investigation report to the query user end, is specifically configured to:
receiving a credit investigation report aiming at the query request sent by the credit investigation system so as to respectively store each item of credit investigation information recorded in the credit investigation report;
according to the appointed inquiry information preset by the inquiry user side, screening target credit investigation information corresponding to the appointed inquiry information from various credit investigation information corresponding to the credit investigation report;
and generating a new credit investigation report according to the target credit investigation information so as to send the credit investigation report to the inquiry user side.
In a third aspect, an embodiment of the present application further provides an electronic device, including: a processor, a memory and a bus, wherein the memory stores machine-readable instructions executable by the processor, the processor and the memory communicate with each other via the bus when the electronic device is running, and the machine-readable instructions, when executed by the processor, perform the steps of any one of the possible implementations of the first aspect.
In a fourth aspect, this application further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and the computer program is executed by a processor to perform the steps in any one of the possible implementation manners of the first aspect.
In the embodiment, in the process that an inquiry user side inquires a credit investigation report of an inquired object from a credit investigation system through an inquiry system, after the inquiry system allocates a target credit investigation account for an inquiry request of the inquired object, the inquiry system firstly judges whether the number of usage times of the allocated target credit investigation account in a specified time exceeds a preset threshold, and when the number of usage times of the allocated target credit investigation account for the inquiry request exceeds the preset threshold, allocates the target credit investigation account for the inquiry request again until the number of usage times of the allocated target credit investigation account for the inquiry request in the specified time does not exceed the preset threshold, and then acquires the credit investigation report from the credit investigation system by using the target credit investigation account which does not exceed the preset threshold. By the method, the use times of the target credit investigation account finally allocated for the query request within the designated time are not more than the preset threshold value, so that the condition that the credit investigation account is locked due to frequent use of the credit investigation account is avoided, and the query efficiency of the credit investigation report is improved.
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
To more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and those skilled in the art can also obtain other related drawings based on the drawings without inventive efforts.
Fig. 1 is a flowchart illustrating a method for querying a credit investigation report according to an embodiment of the present application;
fig. 2 is a schematic diagram illustrating a part of credit investigation reports in a credit investigation report provided by an embodiment of the present application;
fig. 3 is a schematic structural diagram illustrating an inquiry apparatus for credit investigation provided in an embodiment of the present application;
fig. 4 shows a schematic structural diagram of an electronic device provided in an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, 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 the embodiments. The components of the embodiments of the present application, as generally described and illustrated in the figures herein, could be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present application without making any creative effort, shall fall within the protection scope of the present application.
In view of the problem that credit investigation accounts are easy to be locked in the prior art, embodiments of the present application provide a method, an apparatus, an electronic device, and a readable storage medium for querying credit investigation reports, so as to avoid locking of credit investigation accounts, thereby improving the efficiency of querying credit investigation reports, and the following description is provided by embodiments.
The first embodiment is as follows:
for the convenience of understanding the present embodiment, a detailed description will be first given of a method for querying a credit investigation report disclosed in the embodiments of the present application. The method is applied to an inquiry system, and fig. 1 shows a flowchart of an inquiry method for a credit investigation report provided by an embodiment of the present application, as shown in fig. 1, including the following steps S101-S105:
s101: and receiving an inquiry request uploaded by an inquiry user side and used for inquiring the credit investigation report of the inquired object.
The application scenario of this embodiment is that when a financial institution transacts a business such as loan for a person or a business, the financial institution needs to query a credit investigation report of a borrower (person/business), so as to generate a credit score for the borrower according to the credit investigation report, and determine a loan amount according to the credit score.
In this embodiment, the query client is a client used by a financial institution worker (e.g., a loan officer). The inquired object is a person or a business going to a financial institution for transacting services such as loan. The credit report is used for indicating the credit condition of the inquired object.
In this embodiment, the query user side registers the query account in the query system in advance. After the inquiry user end logs in the inquiry system by using the inquiry account, the inquiry user end sends an inquiry request for inquiring the credit investigation report of the inquired object to the inquiry system. The query request includes user information of the object to be queried, a query reason, and the like. When the inquired object is an individual, the user information is personal information, and specifically comprises name, gender, certificate type, certificate number, contact information and the like. When the inquired object is a business, the user information is business information.
After receiving the query request, the query system puts the query request into a query request queue according to the receiving time.
S102: and allocating a target credit investigation account for the inquiry request from the credit investigation accounts which are used for logging in the credit investigation system and are not used currently.
The credit investigation system stores credit investigation reports of all individuals and all enterprises in a specified area (for example, nationwide). Each bank uploads banking data (such as loan information, repayment condition, property condition and the like) of each individual and each enterprise to the credit investigation system regularly, and the credit investigation system can update credit investigation reports of each individual and each enterprise regularly according to the received banking data of each individual and each enterprise uploaded by each bank.
The credit investigation system issues a specified number of credit investigation accounts for the inquiry system, and the credit investigation accounts are accounts for logging in the credit investigation system. At present, the number of credit investigation accounts issued by a credit investigation system for an inquiry system is limited. Currently unused means that at the current time, the credit investigation account is not logged into the credit investigation system.
And acquiring the query request with the earliest receiving time from the query request queue, and distributing a target credit investigation account for the query request. And when the number of the currently unused credit investigation accounts is at least one, allocating a target credit investigation account for the query request from the credit investigation accounts. And when the number of the currently unused credit investigation accounts is 0, waiting until at least one credit investigation account is unused, and allocating a target credit investigation account for the inquiry request.
S103: and judging whether the use times of the target credit investigation account in the specified time exceeds a preset threshold value.
In this embodiment, the specified time period may be, for example, within 1 minute, within 5 minutes, within 1 hour, etc., which is not limited in this application. The inquiry system allocates a counter for each credit investigation account, and the counter user records the use times of the corresponding credit investigation account in the designated time. The number of use times refers to the number of login times of the inquiry system for logging in the credit investigation system by using the credit investigation account.
Specifically, the number of times of use of the target account in a specified time is obtained from a counter allocated to the target credit investigation account, and whether the number of times of use exceeds a preset threshold is determined.
S104: and when the number of times of use exceeds a preset threshold, allocating a new target credit investigation account for the query request again until the number of times of use of the target credit investigation account allocated to the query request in a specified time does not exceed the preset threshold, and taking the target credit investigation account as the final target credit investigation account of the query request.
When the number of the use times exceeds a preset threshold value, the credit investigation account is indicated to be locked at risk. At this time, a new target credit investigation account needs to be allocated to the inquiry request from the currently unused credit investigation account.
S105: and sending an inquiry request to a credit investigation system by using the final target credit investigation account so as to receive a credit investigation report which is sent by the credit investigation system and aims at the inquiry request, and sending the credit investigation report to an inquiry user side.
And logging in the credit investigation system by using the final target credit investigation account, and sending a query request to the credit investigation system through the final target credit investigation account after logging in. After receiving the query request, the credit investigation system queries the credit investigation report of the queried object corresponding to the query request from all the stored credit investigation reports according to the user information contained in the query request. And the credit investigation system sends the inquired credit investigation report to the inquiry system. And the inquiry system sends the credit investigation report to an inquiry account corresponding to the inquiry user side.
In a possible implementation manner, after step S103 is executed to determine whether the number of times of using the target credit investigation account in the specified time exceeds a preset threshold, the following step S106 may be specifically executed:
s106: and when the using times do not exceed a preset threshold value, the target credit investigation account is used for sending an inquiry request to a credit investigation system so as to receive a credit investigation report which is sent by the credit investigation system and aims at the inquiry request, and the credit investigation report is sent to an inquiry user side.
And when the using times do not exceed a preset threshold value, using the target credit investigation account to log in the credit investigation system, and after the logging is successful, sending a query request to the credit investigation system through the target credit investigation account.
In a possible implementation manner, when step S102 is executed to allocate a target credit investigation account for a query request from credit investigation accounts which are used for logging in the credit investigation system and are not currently used, the following steps S1021 to S1022 may be specifically executed:
s1021: inquiring whether an authorization book of an inquired object is stored in the inquiry system or not according to the user information contained in the inquiry request; the authorization book indicates that the inquired object agrees to inquire the credit investigation report of the user end.
S1022: when the authorization book is stored, a target credit investigation account is allocated for the inquiry request from the credit investigation accounts which are used for logging in the credit investigation system and are not used currently.
And stopping executing the subsequent inquiry step when the authorization book is not stored.
In this embodiment, only when the queried object agrees to query the credit investigation report of the user end, the query system queries the credit investigation report of the queried object. By the method, the safety of credit investigation reports (namely personal/enterprise privacy) of the inquired objects is guaranteed.
In a possible implementation manner, when the authorization book is stored in the step S1022, and a target credit investigation account is allocated for the query request from the credit investigation accounts which are used for logging in the credit investigation system and are not currently used, the following steps may be specifically performed:
when the authorization book is stored, the authorization book and the query request are sent to the rechecking user side, so that rechecking personnel corresponding to the rechecking user side rechecks the authorization book and the query request; the rechecking user side and the query user side are user sides used by employees in the same financial institution.
And receiving a rechecking result returned by the rechecking user side, and when the rechecking result is correct, distributing a target credit investigation account for the query request from the credit investigation account which is used for logging in the credit investigation system and is not used currently.
In this embodiment, the authorization book and the query request are sent to the rechecking user side, so that the rechecking personnel corresponding to the rechecking user side rechecks the authorization book and the query request, and the accuracy of the query result is favorably ensured.
In a possible embodiment, after the step S101 is executed to receive an inquiry request for inquiring a credit report of an inquired object uploaded by an inquiry user terminal, the following steps S1071 to S1072 may be further specifically executed:
s1071: and judging whether the receiving time of the query request is a working day or not.
S1072: and when the receiving time of the query request is the non-working day, sending prompt information for rejecting the query to the query user side.
When the receiving time of the inquiry request is the working day, the step S102 is continuously executed to allocate a target credit investigation account for the inquiry request from the credit investigation accounts which are used for logging in the credit investigation system and are not currently used.
In a possible implementation manner, when step S105 is executed to receive a credit investigation report for the query request sent by the credit investigation system and send the credit investigation report to the query user end, the following steps may be specifically executed: and receiving a credit investigation report aiming at the query request sent by the credit investigation system, sending the credit investigation report to a query user side, and storing the credit investigation report.
After step S101 is executed to receive an inquiry request for inquiring a credit report of an inquired object uploaded by an inquiry user, the following steps may be further executed:
s1081: and inquiring whether the credit investigation report stored in the inquiry system contains the credit investigation report of the inquired object or not according to the inquiry request.
S1082: when the credit investigation report of the inquired object is stored, calculating the current storage time length of the credit investigation report according to the storage time point and the current time point of the credit investigation report.
S1083: and judging whether the current storage time length is greater than the preset effective time length.
S1084: and when the current storage time length is not more than the preset effective time length, returning the stored credit investigation report of the inquired object to the inquiry user side.
And when the current storage duration is longer than the preset effective duration, continuing to execute the step S102 to allocate a target credit investigation account for the query request from the unused credit investigation accounts used for logging in the credit investigation system.
In this embodiment, considering the inquiry user end of the financial institution, the financial institution needs to pay a certain fee to the credit investigation system each time the inquiry system inquires the credit investigation report from the credit investigation system. Therefore, in the embodiment, the inquiry system stores one credit investigation report after inquiring the credit investigation system. Therefore, when the inquiring user side repeatedly inquires the credit investigation report of the same inquired object, the repeated delivery cost is not needed.
In addition, considering that the credit investigation report is time-efficient, in this embodiment, when the credit investigation report of the inquired object is stored, it is determined whether the current storage time length of the credit investigation report is greater than the preset effective time length, and the purpose of the present embodiment is to return an effective credit investigation report to the inquiring user terminal. The timeliness of the credit investigation report can be guaranteed.
In a possible implementation manner, when step S105 is executed to receive the credit investigation report for the inquiry request sent by the credit investigation system and send the credit investigation report to the inquiry user end, the following steps S1051 to S1053 may be specifically executed:
s1051: and receiving a credit investigation report aiming at the query request sent by the credit investigation system so as to respectively store each item of credit investigation information recorded in the credit investigation report.
Exemplarily, an individual credit investigation report is taken as an example for explanation, fig. 2 shows a schematic diagram of a part of credit investigation reports in a credit investigation report provided by an embodiment of the present application, and as shown in fig. 2, each item of credit investigation information recorded in the part of credit investigation reports includes: the name of the inquired object is a certain name; the type of the inquired object certificate is an identity card; the inquired object certificate number is 11111111111111XXXX; the financial institution is a certain institution; the query reason is credit investigation; report number 00000000XXXX; the report time is 20xx year x month x day, x hour x minutes x seconds; the amount of the personal housing loan is x yuan, and the like.
It should be noted that fig. 2 only shows a part of the content in the credit report, which is only used for understanding the technical solution of the present embodiment, and does not represent the content actually included in the credit report.
S1052: and according to the specified inquiry information preset by the inquiry user side, screening target credit investigation information corresponding to the specified inquiry information from various credit investigation information corresponding to the credit investigation report.
Illustratively, when the specified query information is the amount of the personal housing loan which is not yet paid, the target credit investigation information corresponding to the amount of the personal housing loan which is not yet paid is screened out from the credit investigation information corresponding to the credit investigation report (namely the amount of the personal housing loan which is not yet paid is x yuan). In this embodiment, the number of pieces of specified query information may be 1 or more.
S1053: and generating a new credit investigation report according to the target credit investigation information so as to send the credit investigation report to the inquiry user side.
And generating a new credit investigation report according to all the target credit investigation information so as to send the credit investigation report to the inquiry user side.
In this embodiment, in consideration of more information contained in the credit investigation report, in this embodiment, the querying client may set the required specified querying information autonomously, so that the querying system only returns the target credit investigation information corresponding to the specified querying information to the querying client, which is beneficial to improving the flexibility of querying.
Example two:
based on the same technical concept, an embodiment of the present application further provides an inquiry apparatus for credit investigation report, where the apparatus resides in an inquiry system, and fig. 3 shows a schematic structural diagram of the inquiry apparatus for credit investigation report provided by the embodiment of the present application, and as shown in fig. 3, the apparatus includes:
a first receiving module 301, configured to receive an inquiry request, which is uploaded by an inquiry user end and used for inquiring the credit investigation report of the inquired object;
a first allocation module 302, configured to allocate a target credit investigation account for the query request from currently unused credit investigation accounts for logging in a credit investigation system;
the first judging module 303 is configured to judge whether the number of times of use of the target credit investigation account in a specified time exceeds a preset threshold;
the second allocating module 304, when the number of times of use exceeds the preset threshold, reallocate a new target credit investigation account for the query request, until the number of times of use of the target credit investigation account allocated to the query request within a specified time does not exceed the preset threshold, then use the target credit investigation account as the final target credit investigation account of the query request;
a first sending module 305, configured to send the query request to the credit investigation system by using the final target credit investigation account, so as to receive a credit investigation report for the query request sent by the credit investigation system, and send the credit investigation report to the querying user terminal.
Optionally, the method further includes:
and the second sending module is used for sending the query request to the credit investigation system by using the target credit investigation account when the using times do not exceed the preset threshold after the judging module judges whether the using times of the target credit investigation account in the specified time exceed the preset threshold, so as to receive a credit investigation report which is sent by the credit investigation system and aims at the query request, and sending the credit investigation report to the query user side.
Optionally, when the first allocating module 302 is configured to allocate a target credit investigation account for the query request from a credit investigation account which is used for logging in the credit investigation system and is not currently used, specifically, the first allocating module is configured to:
inquiring whether the authorization book of the inquired object is stored in the inquiry system or not according to the user information contained in the inquiry request; the authorization book represents a credit investigation report that the inquired object agrees to inquire the inquired user side;
when the authorization book is stored, allocating a target credit investigation account for the inquiry request from the credit investigation accounts which are used for logging in a credit investigation system and are not used currently.
Optionally, the first allocating module 302 is specifically configured to, when the first allocating module is configured to allocate a target credit investigation account for the query request from currently unused credit investigation accounts used for logging in a credit investigation system when the authorization book is stored, specifically:
when the authorization book is stored, the authorization book and the query request are sent to a rechecking user side, so that a rechecking person corresponding to the rechecking user side rechecks the authorization book and the query request; the rechecking user side and the inquiring user side are user sides used by staff in the same financial institution;
and receiving a rechecking result returned by the rechecking user side, and when the rechecking result is correct, distributing a target credit investigation account for the query request from the credit investigation account which is used for logging in the credit investigation system and is not used currently.
Optionally, the method further includes:
a second determining module, configured to determine whether a receiving time for receiving an inquiry request is a working day after the first receiving module 301 receives the inquiry request that is uploaded by an inquiry user side and used for inquiring the credit investigation report of the inquired object;
and the third sending module is used for sending prompt information for refusing the inquiry to the inquiry user side when the receiving time of the inquiry request is a non-working day.
Optionally, when the first sending module 305 is configured to send the query request to the credit investigation system by using the final target credit investigation account, so as to receive a credit investigation report for the query request sent by the credit investigation system, and send the credit investigation report to the query user end, specifically configured to:
receiving a credit investigation report aiming at the query request sent by the credit investigation system, sending the credit investigation report to the query user side, and storing the credit investigation report;
further comprising:
after the first receiving module 301 receives an inquiry request for inquiring the credit investigation report of the inquired object, which is uploaded by an inquiry user terminal, the inquiry device is configured to inquire whether the credit investigation report of the inquired object is included in the credit investigation reports stored in the inquiry system according to the inquiry request;
the calculation module is used for calculating the current storage duration of the credit investigation report according to the storage time point and the current time point of the credit investigation report when the credit investigation report of the inquired object is stored;
the third judging module is used for judging whether the current storage time length is greater than the preset effective time length or not;
and the returning module is used for returning the stored credit investigation report of the inquired object to the inquiring user side when the current storage duration is not more than the preset effective duration.
Optionally, the first sending module 305 is configured to, when the first sending module is configured to receive the credit investigation report for the inquiry request sent by the credit investigation system, and send the credit investigation report to the inquiry user side, specifically:
receiving a credit investigation report aiming at the query request sent by the credit investigation system so as to respectively store each item of credit investigation information recorded in the credit investigation report;
according to the appointed inquiry information preset by the inquiry user side, screening target credit investigation information corresponding to the appointed inquiry information from various credit investigation information corresponding to the credit investigation report;
and generating a new credit investigation report according to the target credit investigation information so as to send the credit investigation report to the inquiry user side.
Example three:
based on the same technical concept, an embodiment of the present application further provides an electronic device, and fig. 4 shows a schematic structural diagram of the electronic device provided in the embodiment of the present application, and as shown in fig. 4, the electronic device 400 includes: a processor 401, a memory 402 and a bus 403, the memory storing machine-readable instructions executable by the processor, the processor 401 and the memory 402 communicating via the bus 403 when the electronic device is operating, the processor 401 executing the machine-readable instructions to perform the method steps described in the first embodiment.
Example four:
based on the same technical concept, a computer-readable storage medium is further provided in a fourth embodiment of the present application, where a computer program is stored on the computer-readable storage medium, and the computer program is executed by a processor to perform the method steps described in the first embodiment.
It can be clearly understood by those skilled in the art that, for convenience and simplicity of description, the specific working processes of the apparatus, the electronic device, and the computer-readable storage medium described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is merely a logical division, and there may be other divisions in actual implementation, and for example, a plurality of modules 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 of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one position, or may be distributed on multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application 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 functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a non-volatile computer-readable storage medium executable by a processor. Based on such understanding, the technical solution of the present application or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present application, and are used to illustrate the technical solutions of the present application, but not to limit the technical solutions, and the scope of the present application is not limited to the above-mentioned embodiments, although the present application is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: those skilled in the art can still make modifications or changes to the embodiments described in the foregoing embodiments, or make equivalent substitutions for some features, within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the exemplary embodiments of the present application, and are intended to be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A credit investigation method is characterized in that the method is applied to an inquiry system, and the method comprises the following steps:
receiving a query request which is uploaded by a query user side and used for querying a credit investigation report of a queried object;
allocating a target credit investigation account for the query request from the currently unused credit investigation accounts for logging in a credit investigation system;
judging whether the use times of the target credit investigation account in the specified time exceeds a preset threshold value or not;
when the number of times of use exceeds the preset threshold, allocating a new target credit investigation account for the query request again until the number of times of use of the target credit investigation account allocated to the query request in a specified time does not exceed the preset threshold, and taking the target credit investigation account as the final target credit investigation account of the query request;
and sending the query request to the credit investigation system by using the final target credit investigation account so as to receive a credit investigation report which is sent by the credit investigation system and aims at the query request, and sending the credit investigation report to the query user side.
2. The method of claim 1, wherein after determining whether the number of uses of the target credit account in the specified time exceeds a preset threshold, the method further comprises:
and when the using times do not exceed the preset threshold, the target credit investigation account is used for sending the query request to the credit investigation system so as to receive a credit investigation report which is sent by the credit investigation system and aims at the query request, and the credit investigation report is sent to the query user side.
3. The method of claim 1, wherein the allocating a target credit investigation account for the query request from the currently unused credit investigation accounts for logging into the credit investigation system comprises:
inquiring whether the authorization book of the inquired object is stored in the inquiry system or not according to the user information contained in the inquiry request; the authorization book represents a credit investigation report that the inquired object agrees to inquire the inquired user side;
when the authorization book is stored, allocating a target credit investigation account for the inquiry request from the credit investigation accounts which are used for logging in a credit investigation system and are not used currently.
4. The method of claim 3, wherein when the authorization book is stored, allocating a target credit investigation account for the query request from credit investigation accounts which are used for logging in a credit investigation system and are not currently used comprises:
when the authorization book is stored, the authorization book and the query request are sent to a rechecking user side, so that a rechecking person corresponding to the rechecking user side rechecks the authorization book and the query request; the rechecking user side and the inquiring user side are user sides used by staff in the same financial institution;
and receiving a rechecking result returned by the rechecking user side, and when the rechecking result is that the confirmation is correct, distributing a target credit investigation account for the query request from the currently unused credit investigation account for logging in the credit investigation system.
5. The method according to claim 1, wherein after receiving an inquiry request for inquiring a credit report of an inquired object uploaded by an inquiry user terminal, the method further comprises:
judging whether the receiving time of the query request is a working day or not;
and when the receiving time of the query request is non-working days, sending prompt information for rejecting the query to the query user side.
6. The method of claim 1, wherein the receiving the credit investigation report for the query request sent by the credit investigation system and sending the credit investigation report to the query user terminal comprises:
receiving a credit investigation report aiming at the query request sent by the credit investigation system, sending the credit investigation report to the query user side, and storing the credit investigation report;
after receiving the query request for querying the credit investigation report of the queried object uploaded by the query user side, the method further includes:
inquiring whether a credit investigation report of the inquired object is contained in a credit investigation report stored in the inquiry system or not according to the inquiry request;
when the credit investigation report of the inquired object is stored, calculating the current storage duration of the credit investigation report according to the storage time point and the current time point of the credit investigation report;
judging whether the current storage duration is greater than a preset effective duration or not;
and when the current storage duration is not longer than the preset effective duration, returning the stored credit investigation report of the inquired object to the inquiring user side.
7. The method of claim 1, wherein the receiving the credit investigation report for the query request sent by the credit investigation system and sending the credit investigation report to the query user terminal comprises:
receiving a credit investigation report aiming at the query request sent by the credit investigation system so as to respectively store each item of credit investigation information recorded in the credit investigation report;
according to specified inquiry information preset by the inquiry user side, screening target credit investigation information corresponding to the specified inquiry information from various credit investigation information corresponding to the credit investigation report;
and generating a new credit investigation report according to the target credit investigation information so as to send the credit investigation report to the inquiry user side.
8. An apparatus for querying credit reports, the apparatus residing in a querying system, the apparatus comprising:
the first receiving module is used for receiving a query request which is uploaded by a query user side and used for querying a credit investigation report of a queried object;
the first allocation module is used for allocating a target credit investigation account for the query request from the currently unused credit investigation accounts for logging in the credit investigation system;
the first judgment module is used for judging whether the use times of the target credit investigation account in the specified time exceeds a preset threshold value or not;
the second distribution module is used for re-distributing a new target credit investigation account for the inquiry request when the using times exceed the preset threshold value until the using times of the target credit investigation account distributed to the inquiry request in the appointed time do not exceed the preset threshold value, and then the target credit investigation account is used as the final target credit investigation account of the inquiry request;
the first sending module is used for sending the query request to the credit investigation system by using the final target credit investigation account so as to receive a credit investigation report which is sent by the credit investigation system and aims at the query request, and sending the credit investigation report to the query user side.
9. An electronic device, comprising: a processor, a memory and a bus, the memory storing machine-readable instructions executable by the processor, the processor and the memory communicating over the bus when the electronic device is operating, the machine-readable instructions when executed by the processor performing the steps of the method of any of claims 1 to 7.
10. A computer-readable storage medium, having stored thereon a computer program which, when being executed by a processor, is adapted to carry out the steps of the method according to any one of claims 1 to 7.
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