在下面的描述中闡述了很多具體細節以便於充分理解本發明。但是本發明能夠以很多不同於在此描述的其它方式來實施，本領域技術人員可以在不違背本發明內涵的情況下做類似推廣，因此本發明不受下面公開的具體實施的限制。
在本發明一個或多個實施例中使用的術語是僅僅出於描述特定實施例的目的，而非旨在限制本發明一個或多個實施例。在本發明一個或多個實施例和所附申請專利範圍中所使用的單數形式的“一種”、“所述”和“該”也旨在包括多數形式，除非上下文清楚地表示其他含義。還應當理解，本發明一個或多個實施例中使用的術語“和/或”是指並包含一個或多個相關聯的列出專案的任何或所有可能組合。
應當理解，儘管在本發明一個或多個實施例中可能採用術語第一、第二等來描述各種資訊，但這些資訊不應限於這些術語。這些術語僅用來將同一類型的資訊彼此區分開。例如，在不脫離本發明一個或多個實施例範圍的情況下，第一也可以被稱為第二，類似地，第二也可以被稱為第一。取決於語境，如在此所使用的詞語“如果”可以被解釋成為“在……時”或“當……時”或“回應於確定”。
首先，對本發明一個或多個實施例涉及的名詞術語進行解釋。
信用合約：是指兩方或者兩方以上的參與方基於信用對某次交互達成“權”、“責”、“利”的共識，並且，達成共識的各個參與方都會保留一份已達成的共識資料；比如信用合約項目中發約方與應約方在信用的約束下就某項信用合約達成的共識，或者，信用交易專案(比如，“先享後付”、“信用轉帳”等交易場景專案)中用戶之間在信用的約束下就某次交易達成的共識；
其中，“權”定義了某一方享有的權利，也可以理解為另一方需要履約的行為，比如信用合約專案中的發約方和應約方按照約定履行信用合約，或者，用戶之間按照約定履行交易；
“責”定義了違約方需要承擔的違約責任，比如在違約方的信用中記錄違約事件、降低違約方的信用評分或者對違約方進行罰款等；
“利”定義了履約方能夠獲得的利益或者獎勵，比如按照約定參與並履行信用合約的用戶會通過這一次行為提升自身的信用評分，或者，按照約定成功履行交易的用戶可以獲得獎勵等。
本發明一個實施例提供一種基於信用的交互處理方法、一種基於信用的交互處理裝置、一種計算設備以及一種電腦可讀儲存媒體。以下分別結合本發明提供的實施例的圖式逐一進行詳細說明，並且對方法的各個步驟進行說明。
本發明提供的一種基於信用的交互處理方法實施例如下：
參照圖式1，其示出了本發明實施例提供的一種基於信用的交互處理方法處理流程圖，參照圖式2，其示出了本發明實施例提供的一種信用交互關係網的示意圖，參照圖式3，其示出了本發明實施例提供的一種信用交互關係鏈的示意圖，參照圖式4，其示出了本發明實施例提供的一種信用關係展示頁面的示意圖，參照圖式5，其示出了本發明實施例提供的一種個人可信資訊展示頁面的示意圖。
步驟S102，獲取交互用戶針對已選的目標用戶提交的交互請求。
本實施例所述交互用戶，是指發起交互活動的一方，即提出交互請求與另一方用戶進行交互的用戶，另一方用戶則被稱之為目標用戶。比如，用戶之間通過簽訂信用約定的方式參與公益活動中的交互用戶為提出公益活動邀約請求的發約方，被邀約參與公益活動的即為目標用戶。再比如，用戶之間以簽訂信用約定的方式進行信用借貸或者信用轉帳等信用交互活動中的交互用戶為提出借貸請求或者轉帳請求的用戶，借貸請求針對的借貸對象或者轉帳請求針對的轉帳物件即為目標用戶。
本實施例以信用合約交互活動和信用交易活動為例，對信用合約交互活動和信用交易活動中的交互處理過程進行說明。需要說明的是，本申請實施例並不限於信用合約交互活動和信用交易活動，還可以是以信用為抵押的信用借物交互活動或者信用借錢交互活動等，對此不做限定。
具體實施時，本步驟獲取所述交互用戶針對所述目標用戶提交的所述交互請求，是在所述交互用戶選擇好所述目標用戶之後進行的，在此基礎上，通過提交所述交互請求來發起與所述目標用戶的交互。具體的，在獲取到所述交互用戶與所述目標用戶進行交互提交的所述交互請求之後，通過下述步驟S104至步驟S110來對所述目標用戶進行交互可信程度評估，並最終在交互可信程度評估的基礎上決定是否對所述交互用戶針對所述目標用戶發起的交互進行處理。
例如，用戶A選擇其好友列表中的用戶B作為進行公益活動交互的目標用戶，並通過針對目標用戶B發起建立公益活動信用合約的邀約請求的方式來發起公益活動交互。或者，用戶A選擇其好友列表中的用戶C作為進行信用轉帳交互的目標用戶，並通過針對目標用戶C發起建立信用轉帳合約的邀約請求的方式來發起信用轉帳交互。
步驟S104，獲取所述交互用戶和所述目標用戶的信用資訊以及參與交互產生的歷史交互記錄。
在接收到所述交互用戶與所述目標用戶進行交互的所述交互請求之後，對所述交互用戶與所述目標用戶進行交互的可信程度的評估，即：對所述目標用戶相對於所述交互用戶的交互可信程度進行評估。具體在評估過程中，首先獲取所述交互用戶的信用資訊及其參與交互產生的歷史交互記錄，並獲取所述目標用戶的信用資訊及其參與交互產生的歷史交互記錄，後續在獲取在所述交互用戶和所述目標用戶的信用資訊以及歷史交互記錄的基礎上，對所述目標用戶相對於所述交互用戶的交互可信程度進行評估。
例如，獲取作為交互用戶的用戶A的信用資訊為用戶A在信用平臺的信用積分(800分)，並獲取用戶A以往參與交互產生的歷史交互記錄：與用戶B以簽訂信用轉帳合約的方式進行轉帳交互產生的轉帳交互記錄A1，與用戶B以簽訂公益活動信用合約的方式進行公益交互產生的公益交互記錄A2，與用戶C以簽訂公益活動信用合約的方式進行公益交互產生的公益交互記錄A3，與用戶D以簽訂信用借貸合約的方式進行借貸交互產生的借貸交互記錄A4。
以及，獲取作為目標用戶的用戶B的信用資訊為用戶B在信用平臺的信用積分(750分)，並獲取用戶B以往參與交互產生的歷史交互記錄：與用戶A以簽訂信用轉帳合約的方式進行轉帳交互產生的轉帳交互記錄B1，與用戶A以簽訂公益活動信用合約的方式進行公益交互產生的公益交互記錄B2，與用戶E以簽訂信用借貸合約的方式進行借貸交互產生的借貸交互記錄B3。
步驟S106，基於所述交互用戶和所述目標用戶的所述信用資訊以及所述歷史交互記錄構建信用交互關係鏈。
所述信用交互關係鏈，由兩個或者兩個以上的具有交互關係的用戶的信用交互關係網按照該交互關係進行聯通後獲得。在本實施例提供的所述交互用戶通過提交所述交互請求的方式與所述目標用戶進行交互的場景中，所述信用交互關係鏈，由所述交互用戶的信用交互關係網與所述目標用戶的信用交互關係網按照兩方的交互關係進行聯通後獲得。
需要說明的是，本實施例所述目標用戶的用戶數目為一個，並以此為例進行說明。除此之外，所述目標用戶的用戶資料還可以是兩個或者兩個以上，即：所述交互用戶通過提交所述交互請求的方式同時與兩個或者兩個以上的目標用戶進行交互，具體實現過程與一個目標用戶的實現過程類似，區別在於，在與多個目標用戶進行交互時，需分別構建每個目標用戶與所述交互用戶的信用交互關係鏈，並以此為基礎分別計算每個目標用戶相對於所述交互用戶的交互可信度評分。
其中，所述信用交互關係網，是指從用戶的信用資訊與歷史交互記錄的聯通出發，在產生每條信用資訊對應的節點以及產生每條歷史交互記錄對應的節點的基礎上，以用戶為核心建立這些節點聯通之間的聯通關係來構建信用交互關係網。
本實施例提供的一種可選實施方式中，所述交互用戶和所述目標用戶的信用交互關係鏈，具體採用如下方式構建：
(1)分別構建所述交互用戶和所述目標用戶的信用交互關係網；
基於所述交互用戶的信用資訊與所述交互用戶的歷史交互記錄之間的聯通關係，構建由所述交互用戶的信用資訊對應的各個節點、所述交互用戶的歷史交互記錄對應的各個節點組成的所述交互用戶的第一信用交互關係網；
以及，基於所述目標用戶的信用資訊與所述目標用戶的歷史交互記錄之間的交互關係，構建由所述目標用戶的信用資訊對應的各個節點、所述目標用戶的歷史交互記錄對應的各個節點組成的所述目標用戶的第二信用交互關係網；
(2)以所述交互用戶和所述目標用戶的信用交互關係網為基礎構建所述交互用戶和所述目標用戶的信用交互關係鏈。
根據所述交互用戶的歷史交互記錄與所述目標用戶的歷史交互記錄之間的交互關係，針對所述交互關係在所述第一信用交互關係網中對應的節點、在所述第二信用交互關係網中對應的節點，建立這兩方節點之間的聯通關係，建立聯通關係後獲得由第一信用交互關係網和第二信用交互關係網組成的目標信用交互關係網，則將該目標信用交互關係網作為所述交互用戶與所述目標用戶的所述信用交互關係鏈。
沿用上例，在上述獲取到交互用戶A的信用資訊及其以往參與交互產生的歷史交互資料的基礎上，構建獲得交互用戶A的第一信用交互關係網如圖式2(a)所示；其中，節點a為用戶A的身份ID對應的節點，節點a0為用戶A在信用平臺的信用積分(800分)對應的節點，節點a1為用戶A與用戶B以簽訂信用轉帳合約的方式進行轉帳交互產生的轉帳交互記錄A1對應的節點，節點a2為用戶A與用戶B以簽訂公益活動信用合約的方式進行公益交互產生的公益交互記錄A2對應的節點，節點a3為用戶A與用戶C以簽訂公益活動信用合約的方式進行公益交互產生的公益交互記錄A3對應的節點，節點a4為用戶A與用戶D以簽訂信用借貸合約的方式進行借貸交互產生的借貸交互記錄A4；
以及，在上述獲取到交互用戶B的信用資訊及其以往參與交互產生的歷史交互資料的基礎上，構建獲得目標用戶B的第二信用交互關係網如圖式2(b)所示，其中，節點b為用戶B的身份ID對應的節點，節點b0為用戶B在信用平臺的信用積分(750分)對應的節點，節點b1為用戶B與用戶A以簽訂信用轉帳合約的方式進行轉帳交互產生的轉帳交互記錄B1對應的節點，節點b2為用戶B與用戶A以簽訂公益活動信用合約的方式進行公益交互產生的公益交互記錄B2對應的節點，節點b3為用戶B與用戶E以簽訂信用借貸合約的方式進行借貸交互產生的借貸交互記錄B3；
對於交互用戶A和目標用戶B而言，二者的信用交互關係網中具有交互關係的節點包括如下兩對，第一對為具有轉帳交互關係的轉帳交互記錄A1對應的節點a1與轉帳交互記錄B1對應的節點b1，第二對為具有公益交互關係的公益交互記錄A2對應的節點a2與公益交互記錄B2對應的節點b2；
基於此，建立節點a1與節點b1、節點a2與節點b2的聯通關係，建立聯通關係之後即獲得基於交互用戶A和目標用戶B二者的信用交互關係網構建的交互用戶A與目標用戶B的信用交互關係鏈，如圖式3所示。
步驟S108，基於所述信用交互關係鏈計算所述交互用戶針對所述目標用戶進行交互的可信度評分。
本實施例所述可信度評分，是指在信用平臺對每個用戶進行信用評估確定的信用積分的基礎上，輔之以用戶與用戶之間歷史及在途的交互類型、交互重要性、交互品質、交互頻次等多個交互維度對用戶的信用進行綜合評估，從而量化用戶相對於其他用戶的可信程度的結果評分。需要說明的是，每個用戶相對於另一用戶具有唯一性評分，即另一用戶針對該用戶進行交互時的可信程度評分具有唯一性。
本實施例提供的一種可選實施方式中，具體採用如下方式計算所述交互用戶針對所述目標用戶進行交互的可信度評分，即：所述目標用戶相對於所述交互用戶的可信度評分：
(1)確定所述信用交互關係鏈中具有交互關係的信用交互節點對，以及所述目標用戶的信用積分對應的信用節點；
(2)根據所述信用節點對應的所述目標用戶的信用積分與信用節點對應的信用權重，以及各信用交互節點對在各交互維度下的交互標的與各交互維度對應的交互權重，計算所述交互用戶針對所述目標用戶進行交互的所述可信度評分。
仍以交互用戶A和目標用戶B為例，如圖式3所示，交互用戶A和目標用戶B的信用交互關係鏈中具有交互關係的信用交互節點對包括如下兩對，第一對為具有轉帳交互關係的轉帳交互記錄A1對應的節點a1與轉帳交互記錄B1對應的節點b1二者形成的信用交互節點對a1-b1，第二對為具有公益交互關係的公益交互記錄A2對應的節點a2與公益交互記錄B2對應的節點b2二者形成的信用交互節點對a2-b2；
同時，目標用戶B的信用積分(750分)對應的信用節點為節點b0；
進一步，根據信用節點b0與該信用節點對應的信用權重ω1，信用交互節點對a1-b1的交互維度為交易維度，信用交互節點對a1-b1在該交易維度下交互標的為轉帳資金數額(5000元)，該交易維度下的交互權重為ω2；信用交互節點對a2-b2的交互維度為公益交互維度，信用交互節點對a2-b2在該公益交互維度下交互標的為公益參與時長(3h)，該公益交互維度下的交互權重為ω3；
據此，計算出目標用戶B相對於交互用戶A的可信度評分為：信用積分*ω1+轉帳資金數額*ω2+公益參與時長*ω3=750*ω1+5000*ω2+3*ω3。
步驟S110，在所述可信度評分大於可信關係閾值的情況下，對所述交互請求進行交互處理。
基於上述計算獲得的所述交互用戶與所述目標用戶進行交互的可信度評分之後，將計算獲得的所述可信度評分與預先設置的可信關係閾值進行比對，若所述可信度評分大於可信關係閾值，則表明所述目標用戶相對於所述交互用戶的可信度較高，因此，所述交互用戶與所述目標用戶進行交互存在或者發生風險的可能性較低，則對所述交互用戶針對所述目標用戶提交的所述交互請求進行交互處理即可。
例如，用戶A選擇其好友列表中的用戶B作為進行公益活動交互的目標用戶，並通過針對目標用戶B發起建立公益活動信用合約的邀約請求的方式來發起公益活動交互，對這一公益活動進行交互處理，具體是指向目標用戶B發送交互用戶A邀請其簽訂公益活動信用合約的邀約，目標用戶B同意邀約之後，二者就參與公益活動達成合約共識。
進一步，為完善所述交互用戶基於交互可信程度對目標用戶的管理，在上述對所述交互用戶針對所述目標用戶提交的所述交互請求進行交互處理之後，通過將所述目標用戶加入所述交互用戶的可信用戶列表，借助所述可信用戶列表對交互過程中可信程度較高的目標用戶進行管理，並通過向所述目標用戶發送攜帶所述可信用戶清單的展示頁面的方式向所述目標用戶展示所述可信用戶列表，從而使所述交互用戶能夠及時感知交互過程中可信程度較高的目標用戶，以此促進交互用戶與可信程度較高的目標用戶進行交互。
此外，若所述交互用戶針對所述目標用戶進行交互的所述可信度評分小於或者等於所述可信關係閾值，可選的，進一步將所述可信度評分與預先設置的不可信關係閾值進行比對，若所述可信度評分小於或者等於所述不可信關係閾值，則判斷所述目標用戶的交互守信率是否小於預設交互守信閾值；
若是，表明所述目標用戶以往參與交互的交互守信率較低，與該目標用戶進行交互發生風險的可能性較高，則向提交所述交互請求的所述交互用戶的終端設備發送所述目標用戶為不可信用戶的風險提示，所述風險提示中攜帶有所述目標用戶的可信度評分以及所述目標用戶的交互守信率，以此提醒所述交互用戶其選擇的所述目標用戶的可信程度較低，從而來降低交互用戶與可信程度較低的目標用戶進行交互導致的風險；
若否，表明所述目標用戶以往參與交互的交互守信率並未低於提醒閾值，不做處理即可。
其中，所述交互守信率，是指所述目標用戶參與並成功完成交互的交互次數與參與交互的交互總次數的比值，比如，目標用戶B總共參與交互的交互總次數為100，其中成功完成交互的交互次數為97，則目標用戶B的交互守信率為97/100=97%。
進一步，在上述向提交所述交互請求的所述交互用戶的終端設備發送所述目標用戶為不可信用戶的風險提示之後，通過將所述目標用戶加入所述交互用戶的不可信用戶列表，對可信程度較低(不可信程度較高)的目標用戶進行管理，並通過向所述目標用戶發送攜帶所述不可信用戶清單的展示頁面的方式向所述目標用戶展示所述不可信用戶列表，從而使所述交互用戶能夠及時感知可信程度較低的目標用戶，以此降低交互用戶與可信程度較低的目標用戶進行交互導致的風險。
更進一步，針對上述確定的所述可信用戶清單中記錄的可信用戶，或者所述不可信用戶清單中記錄的不可信用戶，為進一步提升對所述可信用戶列表中可信用戶的可信程度的感知，或者對所述不可信用戶列表中不可信用戶的不可信程度的感知，本實施例提供一種可選實施方式中，在接收到針對所述展示頁面展示的任意一個用戶標識的觸控指令之後，確定所述觸控指令觸發的用戶標識對應的被查看用戶，並讀取所述被查看用戶的用戶資訊、信用資訊、可信度評分和交互資訊，並基於所述展示頁面進行展示。
此外，在接收到針對所述展示頁面展示的任意一個用戶標識的觸控指令之後，還可基於所述展示頁面展示所述被查看用戶的信用憑證的憑證類型以及各憑證類型的信用憑證的存取介面，並在接收到針對任意一個存取介面的存取申請之後，向所述被查看用戶發出存取申請，若所述被查看用戶授權所述存取申請，則讀取所述存取介面對應的憑證類型的信用憑證並展示。
如圖式4所示的用戶A的信用關係展示頁面，該頁面設置有可信關係清單和不可信關係列表，當該可信關係展示頁面中的可信關係清單處於圖式4所示的展示狀態時，若用戶A點擊可信關係列表中的任意一個可信用戶(以用戶B為例)的頭像時，則會展示被點擊用戶(用戶B)的個人可信資訊展示頁面，如圖式5所示；
其中，該個人可信資訊展示頁面展示有“房產證”、“行駛證”和“存款證明”這3項信用憑證，若用戶A想要申請用戶B的“房產證”、“行駛證”和“存款證明”這3項信用憑證中的一項或者多項，通過點擊信用憑證的圖示即可向用戶B發送存取申請，用戶B授權之後則展示相應的信用憑證以供存取查看。
具體實施時，在上述步驟S102獲取到所述交互用戶和所述目標用戶的所述信用資訊和所述歷史交互記錄之後，並且在上述步驟S110對所述交互請求進行交互處理之前，為降低所述交互用戶與可信程度較低的目標用戶進行交互導致的風險，本實施例提供的一種可選實施方式中，從所述交互用戶提交的所述交互請求的交互類型出發來評估所述目標用戶在這一交互類型是否存在相應的交互風險，並在存在交互風險的情況下對所述交互用戶做出更有針對性的風險提醒，以此降低所述交互用戶的交互風險，具體採用如下方式實現：
1)確定所述交互請求所屬的交互類型；
2)在所述目標用戶處於交互狀態的交互記錄中查詢所述交互類型的交互記錄作為風險交互記錄；
3)基於查找到的所述風險交互記錄產生向提交所述交互請求的所述交互用戶的終端設備發送的所述目標用戶存在風險交互的風險交互提醒；
其中，所述風險交互提醒中包含所述交互類型以及所述風險交互記錄的數目。
例如，交互用戶A與目標用戶C進行資金借貸交互提出相應的交互請求，該交互請求所屬的交互類型為資金借貸交互這一交互類型，查詢目標用戶C是否處於履約狀態的簽訂信用資金借貸合約，如果存在，則向交互用戶A提出資金借貸交互這一交互請求的移動終端發送目標用戶C當前存在未償還的信用資金借貸合約的提醒，從而向交互用戶A提醒當前向目標用戶C進行信用借貸可能會存在風險，以此來避免交互用戶A的交互物件(目標用戶C)存在多個與多人簽訂信用資金借貸合約而出現無法償還或者不償還的情形。
此外，在具體實施時，在上述步驟S102獲取到所述交互用戶和所述目標用戶的所述信用資訊和所述歷史交互記錄之後，並且在上述步驟S110對所述交互請求進行交互處理之前，為降低所述交互用戶與可信程度較低的目標用戶進行交互導致的風險，本實施例提供的一種可選實施方式中，從所述目標用戶的歷史交互記錄出發來評估所述目標用戶是否存在相應的交互風險，並在存在交互風險的情況下對所述交互用戶做出更有針對性的風險提醒，以此降低所述交互用戶的交互風險，具體採用如下方式實現：
1)在所述目標用戶的歷史交互記錄中查找預設時間區間內所述目標用戶作為交互目標參與交互的風險交互記錄；
2)基於查找到的所述風險交互記錄產生向提交所述交互請求的所述交互用戶的終端設備發送的所述目標用戶存在風險交互的風險交互提醒。
綜上所述，所述基於信用的交互處理方法，從交互用戶進行交互提交的交互請求針對的目標用戶出發，在所述交互用戶和所述目標用戶的信用資訊以及參與交互產生的歷史交互記錄的基礎上，構建表徵所述交互用戶和所述目標用戶二者交互關係和信用關係的信用交互關係鏈，並借助構建的所述信用交互關係鏈來計算所述目標用戶相對於所述交互用戶的可信度評分，以此作為所述交互用戶與所述目標用戶進行交互的可信程度的評估，從而來降低甚至避免所述交互用戶與可信程度較低的目標用戶進行交互導致的交互風險，確保用戶間交互活動的真實性、安全性。
本發明提供的一種基於信用的交互處理裝置實施例如下：
在上述的實施例中，提供了一種基於信用的交互處理方法，與之相對應的，還提供了一種基於信用的交互處理裝置，下面結合圖式進行說明。
參照圖式6，其示出了本實施例提供的一種基於信用的交互處理裝置的示意圖。
由於裝置實施例基本相似於方法實施例，所以描述得比較簡單，相關的部分請參見上述提供的方法實施例的對應說明即可。下述描述的裝置實施例僅僅是示意性的。
本發明提供一種基於信用的交互處理裝置，包括：
交互請求獲取模組602，被配置為獲取交互用戶針對已選的目標用戶提交的交互請求；
歷史交互記錄獲取模組604，被配置為獲取所述交互用戶和所述目標用戶的信用資訊以及參與交互產生的歷史交互記錄；
信用交互關係鏈構建模組606，被配置為基於所述交互用戶和所述目標用戶的所述信用資訊以及所述歷史交互記錄構建信用交互關係鏈；
可信度評分計算模組608，被配置為基於所述信用交互關係鏈計算所述交互用戶針對所述目標用戶進行交互的可信度評分；
交互處理模組610，被配置為在所述可信度評分大於可信關係閾值的情況下，對所述交互請求進行交互處理。
可選的，所述信用交互關係鏈構建模組606，包括：
信用交互關係網構建子模組，被配置為基於所述交互用戶的信用資訊與所述交互用戶的歷史交互記錄之間的聯通關係，構建由所述交互用戶的信用資訊對應的各個節點、所述交互用戶的歷史交互記錄對應的各個節點組成的所述交互用戶的第一信用交互關係網；以及，基於所述目標用戶的信用資訊與所述目標用戶的歷史交互記錄之間的交互關係，構建由所述目標用戶的信用資訊對應的各個節點、所述目標用戶的歷史交互記錄對應的各個節點組成的所述目標用戶的第二信用交互關係網；
信用交互關係鏈構建子模組，被配置為根據所述交互用戶的歷史交互記錄與所述目標用戶的歷史交互記錄之間的交互關係，建立所述交互關係在所述第一信用交互關係網中對應的節點與在所述第二信用交互關係網中對應的節點之間的聯通關係，將建立聯通關係之後的所述第一信用交互關係網和所述第二信用交互關係網組成的目標信用交互關係網作為所述信用交互關係鏈。
可選的，所述可信度評分計算模組608，包括：
信用交互節點對確定子模組，被配置為確定所述信用交互關係鏈中具有交互關係的信用交互節點對，以及所述目標用戶的信用積分對應的信用節點；
可信度評分計算子模組，被配置為根據所述信用節點對應的所述目標用戶的信用積分與信用節點對應的信用權重，以及各信用交互節點對在各交互維度下的交互標的與各交互維度對應的交互權重，計算所述交互用戶針對所述目標用戶進行交互的所述可信度評分。
可選的，所述基於信用的交互處理裝置，包括：
可信度評分判斷模組，被配置為在所述可信度評分小於或者等於不可信關係閾值的情況下，判斷所述目標用戶的交互守信率是否小於預設交互守信閾值；若是，向提交所述交互請求的所述交互用戶的終端設備發送所述目標用戶為不可信用戶的風險提示；
其中，所述風險提示中攜帶有所述目標用戶的可信度評分以及所述目標用戶的交互守信率；所述交互守信率，是指所述目標用戶參與並成功完成交互的交互次數與參與交互的交互總次數的比值。
可選的，所述基於信用的交互處理裝置，包括：
交互類型確定模組，被配置為確定所述交互請求所屬的交互類型；
風險交互記錄查詢模組，被配置為在所述目標用戶處於交互狀態的交互記錄中查詢所述交互類型的交互記錄作為風險交互記錄；
風險交互提醒發送模組，被配置為基於查找到的所述風險交互記錄產生向提交所述交互請求的所述交互用戶的終端設備發送的所述目標用戶存在風險交互的風險交互提醒；
其中，所述風險交互提醒中包含所述交互類型以及所述風險交互記錄的數目。
可選的，所述基於信用的交互處理裝置，包括：
查詢模組，被配置為在所述目標用戶的歷史交互記錄中查找預設時間區間內所述目標用戶作為交互目標參與交互的風險交互記錄；
提醒模組，被配置為基於查找到的所述風險交互記錄產生向提交所述交互請求的所述交互用戶的終端設備發送的所述目標用戶存在風險交互的風險交互提醒。
可選的，所述基於信用的交互處理裝置，包括：
可信用戶清單展示模組，被配置為將所述目標用戶加入所述交互用戶的可信用戶列表中，並通過向所述目標用戶發送攜帶所述可信用戶清單的展示頁面的方式向所述目標用戶展示所述可信用戶列表。
可選的，所述基於信用的交互處理裝置，包括：
不可信用戶清單展示模組，被配置為將所述目標用戶加入所述交互用戶的不可信用戶列表中，並通過向所述目標用戶發送攜帶所述不可信用戶清單的展示頁面的方式向所述目標用戶展示所述不可信用戶列表。
可選的，所述基於信用的交互處理裝置，包括：
被查看用戶確定模組，被配置為在接收到針對所述展示頁面展示的任意一個用戶標識的觸控指令之後，確定所述觸控指令觸發的用戶標識對應的被查看用戶；
展示模組，被配置為讀取所述被查看用戶的用戶資訊、信用資訊、可信度評分和交互資訊，並基於所述展示頁面進行展示。
可選的，所述基於信用的交互處理裝置，包括：
存取介面展示模組，被配置為基於所述展示頁面展示所述被查看用戶的信用憑證的憑證類型以及各憑證類型的信用憑證的存取介面；
存取申請發出模組，被配置為接收到針對任意一個存取介面的存取申請之後，向所述被查看用戶發出存取申請；
信用憑證展示模組，被配置為若所述被查看用戶授權所述存取申請，則讀取所述存取介面對應的憑證類型的信用憑證並展示。
本發明提供的基於信用的交互處理裝置，通過所述交互請求獲取模組602、所述歷史交互記錄獲取模組604、所述信用交互關係鏈構建模組606、所述可信度評分計算模組608以及所述交互處理模組610之間的配合，從交互用戶進行交互提交的交互請求針對的目標用戶出發，在所述交互用戶和所述目標用戶的信用資訊以及參與交互產生的歷史交互記錄的基礎上，構建表徵所述交互用戶和所述目標用戶二者交互關係和信用關係的信用交互關係鏈，並借助構建的所述信用交互關係鏈來計算所述目標用戶相對於所述交互用戶的可信度評分，以此作為所述交互用戶與所述目標用戶進行交互的可信程度的評估，從而來降低甚至避免所述交互用戶與可信程度較低的目標用戶進行交互導致的交互風險，確保用戶間交互活動的真實性、安全性。
本發明提供的一種計算設備實施例如下：
圖7是示出了根據本發明一個實施例提供的計算設備700的結構方塊圖。該計算設備700的元件包括但不限於記憶體710和處理器720。處理器720與記憶體710通過匯流排730相連接，資料庫750用於儲存資料。
計算設備700還包括存取設備740，存取設備740使得計算設備700能夠經由一個或多個網路760通信。這些網路的示例包括公用交換電話網(PSTN)、區域網(LAN)、廣域網路(WAN)、個域網(PAN)或諸如網際網路的通信網路的組合。存取設備740可以包括有線或無線的任何類型的網路介面(例如，網路介面卡(NIC))中的一個或多個，諸如IEEE802.11無線區域網(WLAN)無線介面、全球微波互聯存取(Wi-MAX)介面、乙太網介面、通用序列匯流排(USB)介面、蜂巢式網路介面、藍牙介面、近場通信(NFC)介面，等等。
在本發明的一個實施例中，計算設備700的上述元件以及圖7中未示出的其他元件也可以彼此相連接，例如通過匯流排。應當理解，圖7所示的計算設備結構方塊圖僅僅是出於示例的目的，而不是對本發明範圍的限制。本領域技術人員可以根據需要，增添或替換其他元件。
計算設備700可以是任何類型的靜止或行動計算裝置，包括移動電腦或行動計算裝置(例如，平板電腦、個人數位助理、膝上型電腦、筆記型電腦、小筆電等)、行動電話(例如，智慧手機)、可佩戴的計算設備(例如，智慧手錶、智慧眼鏡等)或其他類型的移動設備，或者諸如桌上型電腦或PC的靜止計算設備。計算設備700還可以是移動式或靜止式的伺服器。
本發明提供一種計算設備，包括記憶體710、處理器720及儲存在記憶體上並可在處理器上運行的電腦指令，所述處理器720用於執行如下電腦可執行指令：
獲取交互用戶針對已選的目標用戶提交的交互請求；
獲取所述交互用戶和所述目標用戶的信用資訊以及參與交互產生的歷史交互記錄；
基於所述交互用戶和所述目標用戶的所述信用資訊以及所述歷史交互記錄構建信用交互關係鏈；
基於所述信用交互關係鏈計算所述交互用戶針對所述目標用戶進行交互的可信度評分；
在所述可信度評分大於可信關係閾值的情況下，對所述交互請求進行交互處理。
可選的，所述基於所述交互用戶和所述目標用戶的所述信用資訊以及所述歷史交互記錄構建信用交互關係鏈，包括：
基於所述交互用戶的信用資訊與所述交互用戶的歷史交互記錄之間的聯通關係，構建由所述交互用戶的信用資訊對應的各個節點、所述交互用戶的歷史交互記錄對應的各個節點組成的所述交互用戶的第一信用交互關係網；以及，基於所述目標用戶的信用資訊與所述目標用戶的歷史交互記錄之間的交互關係，構建由所述目標用戶的信用資訊對應的各個節點、所述目標用戶的歷史交互記錄對應的各個節點組成的所述目標用戶的第二信用交互關係網；
根據所述交互用戶的歷史交互記錄與所述目標用戶的歷史交互記錄之間的交互關係，建立所述交互關係在所述第一信用交互關係網中對應的節點與在所述第二信用交互關係網中對應的節點之間的聯通關係，將建立聯通關係之後的所述第一信用交互關係網和所述第二信用交互關係網組成的目標信用交互關係網作為所述信用交互關係鏈。
可選的，所述基於所述信用交互關係鏈計算所述交互用戶針對所述目標用戶進行交互的可信度評分，包括：
確定所述信用交互關係鏈中具有交互關係的信用交互節點對，以及所述目標用戶的信用積分對應的信用節點；
根據所述信用節點對應的所述目標用戶的信用積分與信用節點對應的信用權重，以及各信用交互節點對在各交互維度下的交互標的與各交互維度對應的交互權重，計算所述交互用戶針對所述目標用戶進行交互的所述可信度評分。
可選的，所述處理器720還用於執行如下電腦可執行指令：
在所述可信度評分小於或者等於不可信關係閾值的情況下，判斷所述目標用戶的交互守信率是否小於預設交互守信閾值；
若是，向提交所述交互請求的所述交互用戶的終端設備發送所述目標用戶為不可信用戶的風險提示；
其中，所述風險提示中攜帶有所述目標用戶的可信度評分以及所述目標用戶的交互守信率；所述交互守信率，是指所述目標用戶參與並成功完成交互的交互次數與參與交互的交互總次數的比值。
可選的，所述獲取所述交互用戶和所述目標用戶的信用資訊以及參與交互產生的歷史交互記錄指令執行之後，且所述在所述可信度評分大於可信關係閾值的情況下，對所述交互請求進行交互處理指示執行之前，所述處理器720還用於執行如下電腦可執行指令：
確定所述交互請求所屬的交互類型；
在所述目標用戶處於交互狀態的交互記錄中查詢所述交互類型的交互記錄作為風險交互記錄；
基於查找到的所述風險交互記錄產生向提交所述交互請求的所述交互用戶的終端設備發送的所述目標用戶存在風險交互的風險交互提醒；
其中，所述風險交互提醒中包含所述交互類型以及所述風險交互記錄的數目。
可選的，所述獲取所述交互用戶和所述目標用戶的信用資訊以及參與交互產生的歷史交互記錄指令執行之後，且所述在所述可信度評分大於可信關係閾值的情況下，對所述交互請求進行交互處理指示執行之前，所述處理器720還用於執行如下電腦可執行指令：
在所述目標用戶的歷史交互記錄中查找預設時間區間內所述目標用戶作為交互目標參與交互的風險交互記錄；
基於查找到的所述風險交互記錄產生向提交所述交互請求的所述交互用戶的終端設備發送的所述目標用戶存在風險交互的風險交互提醒。
可選的，所述在所述可信度評分大於可信關係閾值的情況下，對所述交互請求進行交互處理指示執行之後，所述處理器720還用於執行如下電腦可執行指令：
將所述目標用戶加入所述交互用戶的可信用戶列表中，並通過向所述目標用戶發送攜帶所述可信用戶清單的展示頁面的方式向所述目標用戶展示所述可信用戶列表。
可選的，所述向提交所述交互請求的所述交互用戶的終端設備發送所述目標用戶為不可信用戶的風險提示步驟執行之後，所述處理器720還用於執行如下電腦可執行指令：
將所述目標用戶加入所述交互用戶的不可信用戶列表中，並通過向所述目標用戶發送攜帶所述不可信用戶清單的展示頁面的方式向所述目標用戶展示所述不可信用戶列表。
可選的，所述處理器720還用於執行如下電腦可執行指令：
在接收到針對所述展示頁面展示的任意一個用戶標識的觸控指令之後，確定所述觸控指令觸發的用戶標識對應的被查看用戶；
讀取所述被查看用戶的用戶資訊、信用資訊、可信度評分和交互資訊，並基於所述展示頁面進行展示。
可選的，所述在接收到針對所述展示頁面展示的任意一個用戶標識的觸控指令之後，確定所述觸控指令觸發的用戶標識對應的被查看用戶指令執行之後，所述處理器720還用於執行如下電腦可執行指令：
基於所述展示頁面展示所述被查看用戶的信用憑證的憑證類型以及各憑證類型的信用憑證的存取介面；
接收到針對任意一個存取存取介面的存取申請之後，向所述被查看用戶發出存取申請；
若所述被查看用戶授權所述存取申請，則讀取所述存取介面對應的憑證類型的信用憑證並展示。
本發明提供的一種電腦可讀儲存媒體實施例如下：
本發明一個實施例提供一種電腦可讀儲存媒體，其儲存有電腦指令，該指令被處理器執行時實現所述基於信用的交互處理方法的步驟。
上述為本實施例的一種電腦可讀儲存媒體的示意性方案。需要說明的是，該儲存媒體的技術方案與上述的基於信用的交互處理方法的技術方案屬於同一構思，儲存媒體的技術方案未詳細描述的細節內容，均可以參見上述基於信用的交互處理方法的技術方案的描述。
上述對本發明特定實施例進行了描述。其它實施例在所附申請專利範圍的範圍內。在一些情況下，在申請專利範圍中記載的動作或步驟可以按照不同於實施例中的順序來執行並且仍然可以實現期望的結果。另外，在圖式中描繪的過程不一定要求示出的特定順序或者連續順序才能實現期望的結果。在某些實施方式中，多工處理和並行處理也是可以的或者可能是有利的。
所述電腦指令包括電腦程式代碼，所述電腦程式代碼可以為原始程式碼形式、物件代碼形式、可執行檔或某些中間形式等。所述電腦可讀媒體可以包括：能夠攜帶所述電腦程式代碼的任何實體或裝置、記錄媒體、USB隨身碟、行動硬碟、磁碟、光碟、電腦記憶體、唯讀記憶體(ROM，Read-Only Memory)、隨機存取記憶體(RAM，Random Access Memory)、電載波信號、電信信號以及軟體分發媒體等。需要說明的是，所述電腦可讀媒體包含的內容可以根據司法管轄區內立法和專利實踐的要求進行適當的增減，例如在某些司法管轄區，根據立法和專利實踐，電腦可讀媒體不包括電載波信號和電信信號。
需要說明的是，對於前述的各方法實施例，為了簡便描述，故將其都表述為一系列的動作組合，但是本領域技術人員應該知悉，本發明實施例並不受所描述的動作順序的限制，因為依據本發明實施例，某些步驟可以採用其它順序或者同時進行。其次，本領域技術人員也應該知悉，說明書中所描述的實施例均屬於優選實施例，所涉及的動作和模組並不一定都是本發明實施例所必須的。
在上述實施例中，對各個實施例的描述都各有側重，某個實施例中沒有詳述的部分，可以參見其它實施例的相關描述。
以上公開的本發明優選實施例只是用於幫助闡述本發明。可選實施例並沒有詳盡敘述所有的細節，也不限制該發明僅為所述的具體實施方式。顯然，根據本發明實施例的內容，可作很多的修改和變化。本發明選取並具體描述這些實施例，是為了更好地解釋本發明實施例的原理和實際應用，從而使所屬技術領域技術人員能很好地理解和利用本發明。本發明僅受申請專利範圍及其全部範圍和等效物的限制。
In the following description, many specific details are explained in order to fully understand the present invention. However, the present invention can be implemented in many other ways different from those described here, and those skilled in the art can make similar popularizations without violating the connotation of the present invention. Therefore, the present invention is not limited by the specific implementation disclosed below.
The terms used in one or more embodiments of the present invention are only for the purpose of describing specific embodiments, and are not intended to limit one or more embodiments of the present invention. The singular forms "a", "said" and "the" used in one or more embodiments of the present invention and the scope of the appended patent application are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that the term "and/or" used in one or more embodiments of the present invention refers to and includes any or all possible combinations of one or more associated listed items.
It should be understood that although the terms first, second, etc. may be used to describe various information in one or more embodiments of the present invention, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of one or more embodiments of the present invention, the first may also be referred to as the second, and similarly, the second may also be referred to as the first. Depending on the context, the word "if" as used herein can be interpreted as "when" or "when" or "in response to certainty".
First, the terminology involved in one or more embodiments of the present invention will be explained.
Credit contract: It means that two or more participants reach a consensus on "rights", "responsibility", and "profits" for a certain interaction based on credit, and each participant who reaches the consensus will keep a copy of what has been reached Consensus data; such as the agreement reached between the issuer and the respondent in a credit contract project on a certain credit contract under the constraint of credit, or credit transaction projects (such as "first enjoy before pay", "credit transfer" and other transactions Scenario project) The consensus reached between users on a certain transaction under the constraint of credit;
Among them, "right" defines the rights enjoyed by one party, and can also be understood as the behavior of the other party that needs to perform the contract, such as the issuer and the respondent in a credit contract project to perform the credit contract according to the agreement, or between the users according to the agreement Fulfill the transaction;
"Responsibility" defines the responsibilities of the defaulting party, such as recording the default event in the defaulting party's credit, reducing the defaulting party's credit score, or imposing a fine on the defaulting party, etc.;
"Profit" defines the benefits or rewards that the performing party can obtain. For example, users who participate in and fulfill the credit contract as agreed will improve their credit score through this behavior, or users who successfully perform the transaction as agreed can get rewards.
An embodiment of the present invention provides a credit-based interactive processing method, a credit-based interactive processing device, a computing device, and a computer-readable storage medium. The following is a detailed description one by one in conjunction with the drawings of the embodiments provided by the present invention, and each step of the method is described.
The implementation example of a credit-based interactive processing method provided by the present invention is as follows:
Referring to Figure 1, which shows a processing flowchart of a credit-based interactive processing method provided by an embodiment of the present invention, refer to Figure 2, which shows a schematic diagram of a credit interactive relationship network provided by an embodiment of the present invention. Figure 3 shows a schematic diagram of a credit interaction relationship chain provided by an embodiment of the present invention. Referring to Figure 4, it shows a schematic diagram of a credit relationship display page provided by an embodiment of the present invention. Refer to Figure 5, It shows a schematic diagram of a personal credible information display page provided by an embodiment of the present invention.
Step S102: Obtain an interactive request submitted by an interactive user for the selected target user.
The interactive user in this embodiment refers to a party that initiates an interactive activity, that is, a user who makes an interaction request to interact with a user of the other party, and the user of the other party is called a target user. For example, the interactive users who participate in public welfare activities by signing a credit agreement between users are the issuers who request the public welfare activity invitation, and those who are invited to participate in the public welfare activities are the target users. For another example, the interactive user in credit interaction activities such as credit lending or credit transfer by signing a credit agreement between users is a user who makes a loan request or a transfer request, and the lending object targeted by the lending request or the transfer object targeted by the transfer request is that For the target user.
This embodiment takes credit contract interactive activities and credit transaction activities as examples to illustrate the interactive processing process in the credit contract interactive activities and credit transaction activities. It should be noted that the embodiments of the present application are not limited to credit contract interactive activities and credit transaction activities, and may also be credit loan-to-goods interactive activities or credit-lending interactive activities with credit as collateral, which are not limited.
During specific implementation, this step obtains the interactive request submitted by the interactive user for the target user after the interactive user selects the target user. On this basis, by submitting the interactive request To initiate interaction with the target user. Specifically, after the interaction request submitted by the interactive user interacting with the target user is obtained, the target user is evaluated for the credibility of the interaction through the following steps S104 to S110, and finally in the interaction Based on the credibility evaluation, it is determined whether to process the interaction initiated by the interactive user with respect to the target user.
For example, user A selects user B in his friend list as the target user for public welfare activity interaction, and initiates the public welfare activity interaction by initiating an invitation request to establish a public welfare activity credit contract for target user B. Alternatively, user A selects user C in his friend list as the target user for credit transfer interaction, and initiates the credit transfer interaction by initiating an invitation request to establish a credit transfer contract for target user C.
Step S104: Obtain the credit information of the interactive user and the target user and historical interaction records generated by participating in the interaction.
After receiving the interaction request for the interactive user to interact with the target user, evaluate the credibility of the interaction between the interactive user and the target user, that is, to evaluate the target user relative to all the target users. The interactive credibility of the interactive user is evaluated. Specifically, in the evaluation process, first obtain the credit information of the interactive user and the historical interaction records generated by participating in the interaction, and obtain the credit information of the target user and the historical interaction records generated by participating in the interaction. Based on the credit information and historical interaction records of the interactive user and the target user, the interactive credibility of the target user relative to the interactive user is evaluated.
For example, obtaining the credit information of user A as an interactive user is user A's credit points (800 points) on the credit platform, and obtaining historical interaction records generated by user A’s past interactions: signing a credit transfer contract with user B The transfer interaction record A1 generated by the transfer interaction, the charity interaction record A2 generated by the charity interaction with user B by signing a charity activity credit contract, and the charity interaction record A3 generated by the charity interaction with the user C by signing a charity activity credit contract , The loan interaction record A4 generated by the loan interaction with the user D by signing a credit loan contract.
And, obtaining the credit information of user B as the target user is the credit score of user B on the credit platform (750 points), and obtaining the historical interaction records generated by user B's past interactions: signing a credit transfer contract with user A The transfer interaction record B1 generated by the transfer interaction, the charity interaction record B2 generated by the charity interaction with the user A by signing a charity activity credit contract, and the lending interaction record B3 by the lending interaction with the user E by signing a credit loan contract.
Step S106: Construct a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction record.
The credit interaction relationship chain is obtained after the credit interaction relationship network of two or more users having an interaction relationship is connected according to the interaction relationship. In the scenario provided in this embodiment in which the interactive user interacts with the target user by submitting the interactive request, the credit interaction relationship chain consists of the interactive user's credit interaction relationship network and the target user. The user's credit interactive relationship network is obtained after connecting according to the interactive relationship between the two parties.
It should be noted that the number of target users in this embodiment is one, and this is taken as an example for description. In addition, the user profile of the target user may also be two or more than two, that is, the interactive user interacts with two or more target users at the same time by submitting the interaction request, The specific realization process is similar to the realization process of a target user. The difference is that when interacting with multiple target users, the credit interaction relationship chain between each target user and the interactive user needs to be constructed separately, and calculated separately based on this The interactive credibility score of each target user relative to the interactive user.
Among them, the credit interaction network refers to the connection of the user's credit information and historical interaction records, based on the generation of the node corresponding to each credit information and the node corresponding to each historical interaction record, the user is The core establishes the interconnection relationship between these nodes to construct a credit interaction network.
In an optional implementation manner provided in this embodiment, the credit interaction relationship chain between the interactive user and the target user is specifically constructed in the following manner:
(1) separately constructing a credit interaction network of the interactive user and the target user;
Based on the connection relationship between the credit information of the interactive user and the historical interaction record of the interactive user, construct a composition composed of each node corresponding to the credit information of the interactive user and each node corresponding to the interactive user's historical interaction record The first credit interaction network of the interactive user;
And, based on the interaction relationship between the target user's credit information and the target user's historical interaction record, construct each node corresponding to the target user's credit information and each target user's historical interaction record The second credit interaction network of the target user composed of nodes;
(2) Constructing a credit interaction relationship chain between the interactive user and the target user based on the credit interaction relationship network of the interactive user and the target user.
According to the interaction relationship between the historical interaction record of the interactive user and the historical interaction record of the target user, for the node corresponding to the interaction relationship in the first credit interaction relationship network, in the second credit interaction Corresponding nodes in the relationship network establish a Unicom relationship between the two nodes. After the Unicom relationship is established, a target credit interactive relationship network composed of the first credit interactive relationship network and the second credit interactive relationship network is obtained, then the target credit The interactive relationship network serves as the credit interactive relationship chain between the interactive user and the target user.
Following the above example, on the basis of obtaining the credit information of the interactive user A and the historical interaction data generated by the interaction in the past, the first credit interaction network for obtaining the interactive user A is constructed as shown in Figure 2(a); Among them, node a is the node corresponding to the identity ID of user A, node a0 is the node corresponding to user A's credit score (800 points) on the credit platform, and node a1 is the transfer between user A and user B by signing a credit transfer contract The node corresponding to the transfer interaction record A1 generated by the interaction, node a2 is the node corresponding to the public welfare interaction record A2 generated by the public welfare interaction between user A and user B by signing a public welfare activity credit contract, and node a3 is the signing agreement between user A and user C The node corresponding to the public welfare interaction record A3 generated by the public welfare activity credit contract, and the node a4 is the lending interaction record A4 generated by the user A and the user D performing the lending interaction by signing a credit lending contract;
And, on the basis of obtaining the credit information of the interactive user B and the historical interactive data generated by the interaction in the past, construct a second credit interaction network to obtain the target user B, as shown in Figure 2(b), where, Node b is the node corresponding to user B's identity ID, node b0 is the node corresponding to user B's credit score (750 points) on the credit platform, and node b1 is generated by user B and user A signing a credit transfer contract for mutual transfer. The transfer interaction record B1 corresponds to the node, node b2 is the node corresponding to the public welfare interaction record B2 generated by the public welfare interaction between user B and user A by signing a public welfare activity credit contract, and node b3 is the node for user B and user E to sign a credit loan Lending and lending interaction records B3 generated by lending and lending interactions in a contractual manner;
For interactive user A and target user B, the nodes with interactive relationship in the credit interaction relationship network of the two include the following two pairs. The first pair is the transfer interaction record A1 corresponding to the transfer interaction record A1 and the transfer interaction record. The node b1 corresponding to B1, the second pair is the node a2 corresponding to the public welfare interaction record A2 and the node b2 corresponding to the public welfare interaction record B2;
Based on this, the connection relationship between node a1 and node b1, node a2 and node b2 is established. After the connection relationship is established, the relationship between interactive user A and target user B constructed based on the credit interaction network of both interactive user A and target user B is obtained. The chain of credit interaction relationship is shown in Figure 3.
Step S108: Calculate the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain.
The credibility scoring in this embodiment refers to the credit score determined by the credit evaluation of each user by the credit platform, supplemented by the historical and in-transit interaction types, interaction importance, and interaction between the user and the user. Multiple interaction dimensions, such as quality and interaction frequency, comprehensively evaluate the user's credit, so as to quantify the result score of the user's credibility relative to other users. It should be noted that each user has a unique score relative to another user, that is, the credibility score of another user when interacting with the user is unique.
In an optional implementation manner provided in this embodiment, the following method is specifically used to calculate the credibility score of the interactive user's interaction with the target user, that is: the credibility of the target user relative to the interactive user score:
(1) Determine the pair of credit interaction nodes that have an interaction relationship in the credit interaction relationship chain, and the credit node corresponding to the credit score of the target user;
(2) According to the credit score of the target user corresponding to the credit node and the credit weight corresponding to the credit node, and the interaction weight of each credit interaction node on the interaction target in each interaction dimension corresponding to each interaction dimension, calculate the The credibility score of the interactive user's interaction with the target user.
Still taking interactive user A and target user B as an example, as shown in Figure 3, the credit interaction node pairs that have an interactive relationship in the credit interaction relationship chain of interactive user A and target user B include the following two pairs, the first pair has The credit interaction node pair a1-b1 formed by the node a1 corresponding to the transfer interaction record A1 and the node b1 corresponding to the transfer interaction record B1, the second pair is the node a2 corresponding to the public welfare interaction record A2 with the public welfare interaction relationship The credit interaction node pair a2-b2 formed by the two nodes b2 corresponding to the public welfare interaction record B2;
At the same time, the credit node corresponding to the credit score (750 points) of target user B is node b0;
Further, according to the credit weight ω1 corresponding to the credit node b0 and the credit node, the interaction dimension of the credit interaction node pair a1-b1 is the transaction dimension, and the credit interaction node pair a1-b1 interacts under the transaction dimension as the amount of transfer funds (5000 Yuan), the interaction weight under this transaction dimension is ω2; the interaction dimension of the credit interaction node pair a2-b2 is the public welfare interaction dimension, and the interaction target of the credit interaction node pair a2-b2 in the public welfare interaction dimension is the public welfare participation duration (3h ), the interaction weight under the dimension of public welfare interaction is ω3;
Based on this, the credibility score of target user B relative to interactive user A is calculated as: credit points*ω1+transfer fund amount*ω2+charity participation duration*ω3=750*ω1+5000*ω2+3*ω3.
Step S110, in a case where the credibility score is greater than the credible relationship threshold, interactive processing is performed on the interaction request.
After the credibility score of the interaction between the interactive user and the target user obtained based on the above calculation, the credibility score obtained by the calculation is compared with a preset credibility relationship threshold, if the credibility is If the degree score is greater than the credible relationship threshold, it indicates that the target user has a higher credibility relative to the interactive user. Therefore, the interaction between the interactive user and the target user has a low probability of existence or risk. Then, it is sufficient to perform interactive processing on the interaction request submitted by the interactive user for the target user.
For example, user A selects user B in his friend list as the target user for public welfare activity interaction, and initiates the public welfare activity interaction by initiating an invitation request to establish a public welfare activity credit contract for target user B, and conducts the public welfare activity Interactive processing specifically refers to sending interactive user A to target user B inviting him to sign an invitation to sign a credit contract for public welfare activities. After target user B agrees to the invitation, the two parties reach a contractual consensus on participating in public welfare activities.
Further, in order to improve the management of the target user by the interactive user based on the degree of interactive credibility, after the interactive processing of the interactive request submitted by the interactive user for the target user, the target user is added to the target user. The trusted user list of the interactive user is used to manage target users with a high degree of credibility during the interaction process with the help of the trusted user list, and by sending to the target user a display page carrying the trusted user list The list of trusted users is displayed to the target user in a manner so that the interactive user can perceive the target user with a higher degree of credibility in the interaction process in a timely manner, thereby promoting interaction between the interactive user and the target user with a higher degree of credibility Interactive.
In addition, if the credibility score of the interactive user interacting with the target user is less than or equal to the credible relationship threshold, optionally, the credibility score is further combined with a preset untrusted relationship The threshold value is compared, and if the credibility score is less than or equal to the untrustworthy relationship threshold, it is determined whether the interaction trustworthiness rate of the target user is less than a preset interaction trustworthiness threshold;
If it is, it indicates that the target user’s interaction trustworthiness rate in the past participating in the interaction is low, and the risk of interacting with the target user is high, then the target is sent to the terminal device of the interactive user who submitted the interaction request. The user is an untrustworthy user's risk alert, and the risk alert carries the target user's credibility score and the target user's interaction trustworthiness rate, so as to remind the interactive user of the target user's choice The credibility is low, so as to reduce the risk caused by the interaction between the interactive user and the target user with a low credibility;
If not, it indicates that the interaction trustworthiness rate of the target user who participated in the interaction in the past has not been lower than the reminder threshold, and it does not need to be processed.
Wherein, the interaction trustworthiness rate refers to the ratio of the number of interactions that the target user participates in and successfully completes the interaction to the total number of interactions that participate in the interaction. For example, the total number of interactions that the target user B participates in the interaction is 100, of which the successful completion The number of interactive interactions is 97, and the interaction trustworthiness rate of target user B is 97/100=97%.
Further, after the above-mentioned risk prompt that the target user is an untrusted user is sent to the terminal device of the interactive user who submitted the interaction request, by adding the target user to the interactive user's untrusted user list, Target users with low credibility (higher untrustworthiness) are managed, and the list of untrusted users is displayed to the target user by sending a display page carrying the list of untrusted users to the target user Therefore, the interactive user can perceive the target user with a lower credibility in time, thereby reducing the risk caused by the interaction between the interactive user and the target user with a lower credibility.
Furthermore, for the above-determined trusted users recorded in the trusted user list, or untrusted users recorded in the untrusted user list, in order to further improve the availability of trusted users in the trusted user list The perception of trustworthiness, or the perception of the untrustworthiness of untrusted users in the list of untrusted users, this embodiment provides an alternative implementation manner, after receiving any user identification displayed on the display page After the touch command, determine the user to be viewed corresponding to the user identification triggered by the touch command, and read the user information, credit information, credibility score, and interaction information of the viewed user, based on the display page To show.
In addition, after receiving a touch command for any user identification displayed on the display page, the credential type of the viewed user's credential and the storage of the credential vouchers of each credential type can also be displayed based on the display page. Fetch the interface, and after receiving an access application for any one of the access interfaces, send an access application to the viewed user, and if the viewed user authorizes the access application, read the access application The credit certificate of the certificate type corresponding to the interface is displayed.
As shown in Figure 4, the credit relationship display page of user A is provided with a trusted relationship list and an untrusted relationship list. When the trusted relationship list in the trusted relationship display page is in the display shown in Figure 4 In the status, if user A clicks on the avatar of any trusted user (user B as an example) in the trusted relationship list, the clicked user (user B) will display the personal trusted information display page, as shown in the figure Shown in 5;
Among them, the personal credible information display page displays three credit certificates of "Real Estate Certificate", "Drive Certificate" and "Deposit Certificate". If User A wants to apply for User B's "Real Estate Certificate", "Drive Certificate" and For one or more of the three credit vouchers "Proof of Deposit", you can send an application for access to user B by clicking on the icon of the credit vouchers, and user B will display the corresponding credit vouchers for access and review after authorization.
In specific implementation, after the credit information and historical interaction records of the interactive user and the target user are acquired in the above step S102, and before the interactive processing of the interaction request is performed in the above step S110, the Regarding the risk caused by the interaction between the interactive user and the target user with a lower credibility, in an optional implementation manner provided in this embodiment, the target is evaluated based on the interaction type of the interaction request submitted by the interactive user Whether the user has a corresponding interaction risk in this interaction type, and if there is interaction risk, a more targeted risk reminder is given to the interactive user, so as to reduce the interaction risk of the interactive user, specifically as follows Way to achieve:
1) Determine the interaction type to which the interaction request belongs;
2) Query the interaction record of the interaction type in the interaction record of the target user in the interactive state as a risk interaction record;
3) Based on the found risk interaction record, generating a risk interaction reminder that the target user has a risk interaction and is sent to the terminal device of the interactive user who submitted the interaction request;
Wherein, the risk interaction reminder includes the interaction type and the number of risk interaction records.
For example, interactive user A and target user C make a corresponding interaction request for fund lending interaction, the interaction type to which the interactive request belongs is the interaction type of fund lending interaction, and query whether target user C is in the fulfillment state to sign a credit fund lending contract, If so, the mobile terminal that made the interaction request of the fund lending interaction of interactive user A sends a reminder that target user C currently has an outstanding credit fund loan contract, thereby reminding interactive user A that the current credit loan is possible to target user C There will be risks, in order to avoid that the interactive object of the interactive user A (target user C) has multiple credit fund loan contracts signed with multiple people and cannot be repaid or not repaid.
In addition, in a specific implementation, after the credit information and the historical interaction record of the interactive user and the target user are obtained in the above step S102, and before the interactive processing of the interaction request is performed in the above step S110, In order to reduce the risk caused by the interaction between the interactive user and the target user with a lower credibility, in an optional implementation manner provided in this embodiment, the historical interaction record of the target user is used to evaluate whether the target user There is a corresponding interaction risk, and when there is an interaction risk, a more targeted risk reminder is given to the interactive user, so as to reduce the interaction risk of the interactive user, which is specifically implemented in the following ways:
1) Search the historical interaction records of the target user for risk interaction records in which the target user participates in the interaction as an interaction target within a preset time interval;
2) Based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction is sent to the terminal device of the interaction user who submitted the interaction request.
In summary, the credit-based interactive processing method starts from the target user for which the interactive request submitted by the interactive user interacts, and records the credit information of the interactive user and the target user and the historical interaction records generated by participating in the interaction. On the basis of, construct a credit interaction relationship chain that characterizes the interaction relationship and credit relationship between the interactive user and the target user, and calculate the relationship between the target user and the interactive user by means of the established credit interaction relationship chain The credibility score is used as an evaluation of the credibility of the interaction between the interactive user and the target user, so as to reduce or even avoid the interaction caused by the interaction between the interactive user and the target user with a lower credibility Risks, to ensure the authenticity and safety of interactive activities between users.
The embodiment of a credit-based interactive processing device provided by the present invention is as follows:
In the foregoing embodiment, a credit-based interactive processing method is provided, and correspondingly, a credit-based interactive processing device is also provided, which is described below in conjunction with the drawings.
Refer to Figure 6, which shows a schematic diagram of a credit-based interactive processing apparatus provided by this embodiment.
Since the device embodiment is basically similar to the method embodiment, the description is relatively simple. For related parts, please refer to the corresponding description of the method embodiment provided above. The device embodiments described below are merely illustrative.
The present invention provides a credit-based interactive processing device, including:
The interactive request obtaining module 602 is configured to obtain the interactive request submitted by the interactive user for the selected target user;
The historical interaction record obtaining module 604 is configured to obtain the credit information of the interactive user and the target user and historical interaction records generated by participating in the interaction;
The credit interaction relationship chain construction module 606 is configured to construct a credit interaction relationship chain based on the credit information and the historical interaction records of the interactive user and the target user;
The credibility score calculation module 608 is configured to calculate the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain;
The interactive processing module 610 is configured to perform interactive processing on the interactive request when the credibility score is greater than the credible relationship threshold.
Optionally, the credit interaction relationship chain construction module 606 includes:
The credit interactive relationship network construction sub-module is configured to construct various nodes and nodes corresponding to the interactive user’s credit information based on the connection relationship between the interactive user’s credit information and the interactive user’s historical interaction record The first credit interaction relationship network of the interactive user composed of various nodes corresponding to the historical interaction record of the interactive user; and, based on the interactive relationship between the credit information of the target user and the historical interaction record of the target user, Constructing the target user's second credit interaction relationship network consisting of each node corresponding to the target user's credit information and each node corresponding to the target user's historical interaction record;
The credit interaction relationship chain construction sub-module is configured to establish the interaction relationship in the first credit interaction relationship network according to the interaction relationship between the historical interaction record of the interactive user and the historical interaction record of the target user The connection relationship between the corresponding node in the second credit interaction relationship network and the corresponding node in the second credit interaction relationship network will be a target composed of the first credit interaction relationship network and the second credit interaction relationship network after the establishment of the connection relationship The credit interaction relationship network serves as the credit interaction relationship chain.
Optionally, the credibility score calculation module 608 includes:
The credit interaction node pair determination sub-module is configured to determine the credit interaction node pair having an interaction relationship in the credit interaction relationship chain, and the credit node corresponding to the credit score of the target user;
The credibility score calculation sub-module is configured to calculate the target user’s credit score corresponding to the credit node and the credit weight corresponding to the credit node, and each credit interaction node pairs the interaction target and each interaction dimension in each interaction dimension. The interaction weight corresponding to the interaction dimension calculates the credibility score of the interaction user for the target user.
Optionally, the credit-based interactive processing device includes:
The credibility score judgment module is configured to judge whether the target user’s interaction trustworthiness rate is less than a preset interaction trustworthiness threshold when the trustworthiness score is less than or equal to the untrustworthy relationship threshold; if so, submit it to Sending, by the terminal device of the interactive user of the interaction request, a risk prompt that the target user is an untrusted user;
Wherein, the risk prompt carries the credibility score of the target user and the interaction trustworthiness rate of the target user; the interaction trustworthiness rate refers to the number of interactions and participation of the target user who participated in and successfully completed the interaction The ratio of the total number of interactions.
Optionally, the credit-based interactive processing device includes:
The interaction type determining module is configured to determine the interaction type to which the interaction request belongs;
The risk interaction record query module is configured to query the interaction record of the interaction type as the risk interaction record among the interaction records of the target user in an interactive state;
A risk interaction reminder sending module, configured to generate a risk interaction reminder that the target user has a risk interaction and is sent to the terminal device of the interaction user who submitted the interaction request based on the found risk interaction record;
Wherein, the risk interaction reminder includes the interaction type and the number of risk interaction records.
Optionally, the credit-based interactive processing device includes:
A query module configured to search for risk interaction records in which the target user participates in the interaction as an interaction target in a preset time interval in the historical interaction records of the target user;
The reminder module is configured to generate a risk interaction reminder that the target user has a risk interaction and is sent to the terminal device of the interactive user who submitted the interaction request based on the found risk interaction record.
Optionally, the credit-based interactive processing device includes:
The trusted user list display module is configured to add the target user to the trusted user list of the interactive user, and send a display page carrying the trusted user list to the target user. The target user displays the list of trusted users.
Optionally, the credit-based interactive processing device includes:
The untrusted user list display module is configured to add the target user to the untrusted user list of the interactive user, and send a display page carrying the untrusted user list to the target user. The target user displays the list of untrusted users.
Optionally, the credit-based interactive processing device includes:
The viewed user determination module is configured to determine the viewed user corresponding to the user identifier triggered by the touch instruction after receiving a touch instruction for any user identifier displayed on the display page;
The display module is configured to read the user information, credit information, credibility score, and interaction information of the viewed user, and display based on the display page.
Optionally, the credit-based interactive processing device includes:
The access interface display module is configured to display the credential type of the viewed user's credential and the access interface of the credential of each credential type based on the display page;
The access application issuing module is configured to send an access application to the viewed user after receiving an access application for any access interface;
The credit certificate display module is configured to read and display the credit certificate of the certificate type corresponding to the access interface if the viewed user authorizes the access application.
The credit-based interaction processing device provided by the present invention uses the interaction request acquisition module 602, the historical interaction record acquisition module 604, the credit interaction relationship chain construction module 606, and the credibility score calculation module The cooperation between the group 608 and the interaction processing module 610 starts from the target user for whom the interactive request submitted by the interactive user is directed, and the credit information of the interactive user and the target user and the historical interaction generated by the interaction Based on the records, construct a credit interaction relationship chain that characterizes the interaction and credit relationship between the interactive user and the target user, and calculate the relationship between the target user and the interaction with the aid of the established credit interaction relationship chain The user’s credibility score is used as an evaluation of the credibility of the interaction between the interactive user and the target user, thereby reducing or even avoiding the interaction between the interactive user and the target user with a lower credibility. Interactive risk to ensure the authenticity and safety of interactive activities between users.
An implementation example of a computing device provided by the present invention is as follows:
FIG. 7 is a block diagram showing the structure of a computing device 700 provided according to an embodiment of the present invention. The components of the computing device 700 include, but are not limited to, a memory 710 and a processor 720. The processor 720 and the memory 710 are connected through the bus 730, and the database 750 is used for storing data.
The computing device 700 also includes an access device 740 that enables the computing device 700 to communicate via one or more networks 760. Examples of these networks include a public switched telephone network (PSTN), a local area network (LAN), a wide area network (WAN), a personal area network (PAN), or a combination of communication networks such as the Internet. The access device 740 may include one or more of any type of wired or wireless network interface (for example, a network interface card (NIC)), such as IEEE802.11 wireless local area network (WLAN) wireless interface, global microwave interconnection Access (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) interface, cellular network interface, Bluetooth interface, near field communication (NFC) interface, etc.
In an embodiment of the present invention, the aforementioned elements of the computing device 700 and other elements not shown in FIG. 7 may also be connected to each other, for example, via a bus. It should be understood that the structural block diagram of the computing device shown in FIG. 7 is only for illustrative purposes, and is not intended to limit the scope of the present invention. Those skilled in the art can add or replace other elements as needed.
The computing device 700 can be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (for example, tablet computers, personal digital assistants, laptop computers, notebook computers, small laptops, etc.), mobile phones (for example, , Smart phones), wearable computing devices (for example, smart watches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs. The computing device 700 may also be a mobile or stationary server.
The present invention provides a computing device, including a memory 710, a processor 720, and computer instructions stored on the memory and running on the processor. The processor 720 is configured to execute the following computer executable instructions:
Obtain the interactive request submitted by the interactive user for the selected target user;
Obtaining credit information of the interactive user and the target user and historical interaction records generated by participating in the interaction;
Constructing a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction record;
Calculating the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain;
In a case where the credibility score is greater than the credible relationship threshold, interactive processing is performed on the interaction request.
Optionally, the constructing a credit interaction relationship chain based on the credit information and historical interaction records of the interactive user and the target user includes:
Based on the connection relationship between the credit information of the interactive user and the historical interaction record of the interactive user, construct a composition composed of each node corresponding to the credit information of the interactive user and each node corresponding to the interactive user's historical interaction record The first credit interaction network of the interactive user; and, based on the interactive relationship between the target user’s credit information and the target user’s historical interaction record, construct each of the target user’s credit information corresponding to the interactive relationship The second credit interaction network of the target user composed of nodes and the respective nodes corresponding to the historical interaction records of the target user;
According to the interaction relationship between the historical interaction record of the interactive user and the historical interaction record of the target user, the node corresponding to the interaction relationship in the first credit interaction relationship network is established to interact with the node in the second credit interaction relationship. For the connection relationship between corresponding nodes in the relationship network, the target credit interaction relationship network composed of the first credit interaction relationship network and the second credit interaction relationship network after the establishment of the connection relationship is used as the credit interaction relationship chain.
Optionally, the calculating the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain includes:
Determining a pair of credit interaction nodes having an interaction relationship in the credit interaction relationship chain, and a credit node corresponding to the credit score of the target user;
Calculate the interactive user according to the credit score of the target user corresponding to the credit node and the credit weight corresponding to the credit node, and the interaction weight of each credit interaction node on the interaction target in each interaction dimension corresponding to each interaction dimension The credibility score for the target user's interaction.
Optionally, the processor 720 is further configured to execute the following computer executable instructions:
In a case where the credibility score is less than or equal to the untrustworthy relationship threshold, judging whether the interaction trustworthiness rate of the target user is less than a preset interaction trustworthiness threshold;
If yes, send a risk reminder that the target user is an untrusted user to the terminal device of the interactive user who submitted the interaction request;
Wherein, the risk prompt carries the credibility score of the target user and the interaction trustworthiness rate of the target user; the interaction trustworthiness rate refers to the number of interactions and participation of the target user who participated in and successfully completed the interaction The ratio of the total number of interactions.
Optionally, after the command to obtain the credit information of the interactive user and the target user and the historical interaction record generated by participating in the interaction is executed, and in the case where the credibility score is greater than a credible relationship threshold, Before the interactive processing instruction is executed on the interactive request, the processor 720 is further configured to execute the following computer-executable instructions:
Determine the interaction type to which the interaction request belongs;
Query the interaction record of the interaction type in the interaction record of the target user in an interaction state as a risk interaction record;
Generating, based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction and is sent to the terminal device of the interaction user who submitted the interaction request;
Wherein, the risk interaction reminder includes the interaction type and the number of risk interaction records.
Optionally, after the command to obtain the credit information of the interactive user and the target user and the historical interaction record generated by participating in the interaction is executed, and in the case where the credibility score is greater than a credible relationship threshold, Before the interactive processing instruction is executed on the interactive request, the processor 720 is further configured to execute the following computer-executable instructions:
Searching the historical interaction records of the target user for risk interaction records in which the target user participates in the interaction as an interaction target in a preset time interval;
Based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction is sent to the terminal device of the interaction user who submitted the interaction request.
Optionally, the processor 720 is further configured to execute the following computer-executable instructions after the interactive processing instruction is executed on the interactive request when the credibility score is greater than the credible relationship threshold:
The target user is added to the trusted user list of the interactive user, and the trusted user list is displayed to the target user by sending a display page carrying the trusted user list to the target user.
Optionally, after the step of sending a risk reminder that the target user is an untrusted user to the terminal device of the interactive user who submitted the interaction request is executed, the processor 720 is further configured to execute the following computer executable instructions :
The target user is added to the untrusted user list of the interactive user, and the untrusted user list is displayed to the target user by sending a display page carrying the untrusted user list to the target user.
Optionally, the processor 720 is further configured to execute the following computer executable instructions:
After receiving a touch instruction for any user identification displayed on the display page, determine the user to be viewed corresponding to the user identification triggered by the touch instruction;
Read the user information, credit information, credibility score and interaction information of the viewed user, and display based on the display page.
Optionally, after receiving a touch instruction for any user identifier displayed on the display page, the processor 720 determines that the viewed user instruction corresponding to the user identifier triggered by the touch instruction is executed. It is also used to execute the following computer executable instructions:
Based on the display page, display the credential type of the credential certificate of the viewed user and the access interface of the credential certificate of each credential type;
After receiving an access application for any access interface, send an access application to the viewed user;
If the viewed user authorizes the access application, the credit certificate of the certificate type corresponding to the access interface is read and displayed.
An example of a computer-readable storage medium provided by the present invention is as follows:
An embodiment of the present invention provides a computer-readable storage medium that stores computer instructions that, when executed by a processor, implement the steps of the credit-based interactive processing method.
The foregoing is an exemplary solution of a computer-readable storage medium of this embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the credit-based interactive processing method mentioned above belong to the same concept. For the details of the technical solution of the storage medium that are not described in detail, please refer to the above-mentioned credit-based interactive processing method. Description of the technical solution.
The foregoing describes specific embodiments of the present invention. Other embodiments are within the scope of the attached patent application. In some cases, the actions or steps described in the scope of the patent application may be performed in a different order from the embodiment and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired result. In some embodiments, multiplexing and parallel processing are also possible or may be advantageous.
The computer instruction includes computer program code, and the computer program code may be in the form of original program code, object code, executable file, or some intermediate forms. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM, Read -Only Memory), Random Access Memory (RAM, Random Access Memory), electric carrier signal, telecommunications signal, software distribution media, etc. It should be noted that the content contained in the computer-readable medium can be appropriately added or deleted according to the requirements of the legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to the legislation and patent practice, the computer-readable medium Does not include electrical carrier signals and telecommunication signals.
It should be noted that for the foregoing method embodiments, for simplicity of description, they are all expressed as a series of action combinations, but those skilled in the art should know that the embodiments of the present invention are not limited by the described sequence of actions. Limitation, because according to the embodiments of the present invention, certain steps can be performed in other order or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily all required by the embodiments of the present invention.
In the above-mentioned embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in an embodiment, reference may be made to related descriptions of other embodiments.
The preferred embodiments of the present invention disclosed above are only used to help illustrate the present invention. The optional embodiment does not describe all the details in detail, nor does it limit the invention to only the described specific embodiments. Obviously, many modifications and changes can be made according to the content of the embodiments of the present invention. The present invention selects and specifically describes these embodiments in order to better explain the principles and practical applications of the embodiments of the present invention, so that those skilled in the art can understand and use the present invention well. The present invention is only limited by the scope of the patent application and its full scope and equivalents.
