在下面的描述中闡述了很多具體細節以便於充分理解本說明書。但是本說明書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說明書內涵的情況下做類似推廣，因此本說明書不受下面公開的具體實施的限制。
在本說明書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，而非旨在限制本說明書一個或多個實施例。在本說明書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，本說明書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項目的任何或所有可能組合。
應當理解，儘管在本說明書一個或多個實施例中可能採用術語目標、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，在不脫離本說明書一個或多個實施例範圍的情況下，目標也可以被稱為第二，類似地，第二也可以被稱為目標。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“響應於確定”。
首先，對本說明書一個或多個實施例涉及的名詞術語進行解釋。
可信度評分：基於用戶的信用行為對用戶進行信用評估，並結合用戶與用戶之間的歷史及進行中的互動頻次等多個維度進行綜合的評估結果，根據評估結果量化用戶的信用關係網中其他用戶可信程度的結果評分。
互動關係：以可信度評分量化信用關係網中的用戶的可信程度後，在實現將每個用戶的信用關係網重組為可信關係和不可信關係兩個人群分類，其統稱為互動關係。
信用關係網：以互動關係為基礎，且結合與用戶的信用資訊和互動資訊建立的關係網。
信用互動關係鏈：多個信用關係網產生交織時，以單一或多個用戶的互動關係和信用資訊對應的信用節點串聯而成的關係鏈。
在本說明書中，提供了一種基於信用的互動信用評估方法，本說明書同時涉及一種基於信用的互動信用評估裝置，一種計算設備，以及一種電腦可讀儲存媒體，在下面的實施例中逐一進行詳細說明。
圖1示出了根據本說明書一實施例提供的一種基於信用的互動信用評估方法的流程圖，包括步驟102至步驟108。
步驟102：獲取多個用戶在各個互動維度的歷史互動資訊。
本說明書一實施例中所述各個互動維度具體是指與用戶具有任意互動關係所對應的維度，所述互動維度包括轉帳維度、借款維度、信用維度等，在轉帳維度中的歷史互動資訊具體是指用戶與用戶之間具有轉帳記錄的互動資訊，在借款維度中的歷史互動資訊具體是指用戶與用戶之間具有借款記錄的互動資訊，在信用維度中的歷史互動資訊具體是指用戶與用戶之間建立信用合約並完成信用合約的互動資訊。
需要說明的是，用戶與用戶之間具有的互動關係一般指線上互動產生的關係，無論線上互動是何種方式均會存在互動資訊，均可以用於在後續為各個用戶建立信用關係網。
具體實施時，在互動用戶存在發約需求或者邀約需求的情況下，需要邀請其他用戶進行發約或者邀約，而此時互動用戶需要透過終端設備在信用平台的展示頁面中用戶展示列表中選擇發約用戶或邀約用戶，而用戶展示列表中的全部用戶均與互動用戶在不同的互動維度具有互動關係，互動用戶可以主動選擇可信程度高的用戶，進而實現發約處理或者應約處理，可見，在互動用戶選擇其他用戶進行發約或者邀約的過程，其他用戶相對於互動用戶的可信程度決定著能否被發約或邀約的可能。
本說明書提供的基於信用的互動信用評估方法中，為了能夠實現用戶與用戶在互動的過程中，可以向各個用戶直接展示其他用戶的可信程度，透過各個用戶的互動資訊和信用資訊分別構建用戶各自的信用關係網，在透過將具有互動關係的用戶的信用關係網進行連接，獲得信用互動關係鏈，基於所述信用互動關係鏈對各個用戶的可信程度進行評估，實現了在用戶之間互動的過程中，用戶之間可以透過互動信用評估結果確定其他用戶的可信程度，從而保證了用戶與用戶之間建立的社交行為的高效性，並且可以為用戶直觀的展示其他用戶的可信程度，進一步確保了用戶與用戶之間建立的社交行為的安全性和真實性。
實際應用中，所述多個用戶在各個互動維度的歷史互動資訊是指用戶在信用平台與其他用戶產生互動所產生的資訊稱之為所述歷史互動資訊，而在信用平台只要存在互動過程就可以確定用戶與用戶之間具有互動關係。
步驟104：根據所述歷史互動資訊以及所述多個用戶的信用資訊分別構建用戶各自的信用關係網。
具體的，在獲取多個用戶各自的歷史互動資訊的基礎上，將根據所述歷史互動資訊以及所述多個用戶的信用資訊，分別構建每個用戶各自對應的信用關係網，其中，所述信用資訊具體是指用戶與用戶之間具有的信用關係，例如用戶A和用戶B在信用平台中的信用帳戶是好友關係，則用戶B是用戶A的信用帳戶好友即為用戶A的信用資訊；基於此，根據各個用戶各自對應的歷史互動資訊和信用資訊分別構建起對應的信用關係網，所述信用關係網具體是指以任意一名用戶為中軸基於該用戶的歷史互動資訊和信用資訊建立的關係網。
進一步的，在構建用戶各自對應的信用關係網的過程中，為了能夠實現構架的信用關係網足夠完善，本實施例的一個或多個實施方式中，將透過用戶的信用資訊和歷史互動資訊對應的節點組成所述信用關係網，具體實現方式如下：
基於所述用戶的信用資訊與所述用戶的歷史互動資訊之間的聯通關係，構建由所述用戶的信用資訊對應的各個信用節點、所述用戶的歷史互動資訊對應的各個信用節點組成的所述用戶的信用關係網。
具體的，網是由節點和連接線透過交織的方式組成，本實施例中將以所述用戶的信用資訊和所述歷史互動資訊確定所述信用關係網中的信用節點，以所述用戶的信用資訊和所述用戶的歷史互動資訊之間的聯通關係作為所述信用關係網中的連接線，基於所述信用節點與所述連接線即可組成所述用戶的信用關係網。
實際應用中，在信用平台中具有信用帳戶的用戶均會按照上述方式建立其對應的信用關係網，不同的用戶對應的信用關係網也是不同的。
參見圖2所示，存在用戶A、用戶B和用戶C，其中用戶A和用戶B的歷史互動資訊是用戶A向用戶B借了1000元錢，根據用戶A的信用資訊確定用戶C是用戶A的好友，根據用戶A的信用資訊歷史互動資訊建立用戶A的信用關係網如圖2所示。
透過在建立用戶各自對應的信用關係網的過程中，將以所述用戶的信用資訊和歷史互動資訊對應的節點相互連接組成所述信用關係網，實現了針對所述用戶建立的信用關係網足夠完善，在後續所述用戶針對其他用戶進行互動的過程中，可選擇性更豐富。
步驟106：根據各個用戶的歷史互動資訊以及各個用戶的信用資訊，將具有互動關係的用戶各自的信用關係網進行連接處理，獲得信用互動關係鏈。
具體的，在針對各個用戶分別建立各自對應的信用關係網的基礎上，進一步的，將基於每個用戶的信用關係網建立信用互動關係鏈；
沿用上例，在確定用戶A的信用關係網的情況下，此時用戶B和用戶C也具有各自對應的信用關係網，用戶B和用戶C均與用戶A具有互動關係，則可以確定用戶A的信用關係網、用戶B的信用關係網和用戶C的信用關係網之間是相關聯的，此時，可以將用戶A、用戶B和用戶C各自對應的信用關係網進行連接處理，產生信用互動關係鏈，如圖3所示；在此鏈中可以直接的確定用戶A、用戶B和用戶C各自對應的互動關係；
基於此，在獲得所述信用互動鏈的過程中，可以基於具有互動關係的用戶各自對應的信用關係網按照所述具有互動關係的用戶的信用資訊和歷史互動資訊進行連接處理，獲得所述信用互動關係鏈。
進一步的，在獲得所述信用互動關係鏈的過程中，為了能夠使得最終獲得的所述信用互動關係鏈足夠完整，應用時更加便捷，本實施例的一個或多個實施方式中，將具有互動關係的用戶各自的信用關係網中的信用節點進行連接，進而產生所述信用互動關係鏈，具體實現方式如下：
根據各個用戶的歷史互動資訊以及各個用戶的信用資訊確定具有互動關係的用戶，並獲取具有互動關係的用戶各自的信用關係網；
將具有互動關係的用戶各自的信用關係網中包含的信用節點按照用戶各自的歷史互動資訊進行連接，獲得由具有互動關係的用戶的信用關係網組成的所述信用互動關係鏈。
具體的，首先根據各個用戶的歷史互動資訊和各個用戶的信用資訊確定具有互動關係的用戶，所述互動關係可以是用戶與用戶之間具有好友關係、信用關係和轉帳關係等，之後確定具有互動關係的用戶各自的信用關係網，此時可以確定具有互動關係的用戶各自的信用關係網是存在相同信用節點的，最後將具有互動關係的用戶各自的信用關係網中包含的信用節點進行連接，形成各個用戶的信用關係網相連接，根據連接結果組成所述信用互動關係鏈。
實際應用中，由於具有互動關係的用戶各自對應的信用關係網足夠龐大，在將所述信用關係網進行連接的過程中，可以將全部信用關係網均連接起來組成所述信用互動關係鏈，最終獲得的所述信用互動關係鏈可以囊括全部用戶對應的信用關係網。
透過建立所述信用互動關係鏈，實現了在後續對每個用戶的互動信用進行評估的過程中，實現了用戶與用戶之間的互動信用評估結果是具有唯一性的，例如用戶A相對於用戶B的互動信用評估結果是可信度評分1900分，而用戶A相對於用戶C的互動信用評估結果是可信度評分1800分，即使得用戶在建立社交行為的過程中，更加安全可靠。
步驟108：基於所述信用互動關係鏈中具有互動關係的用戶對應的局部信用關係鏈對用戶進行互動信用評估。
具體的，在獲取所述信用互動關係鏈的基礎上，進一步的，將根據所述信用互動關係鏈中具有互動關係的用戶對應的局部信用關係鏈對用戶各自的互動信用進行評估，之後獲得各個用戶的互動信用評估結果，互動信用評估結果可以透過可信度評分進行表示，可信度評分可以直觀的表示用戶的可信程度，用戶的可信度評分越高，表示該用戶的可信程度越高，反之，用戶的可信度評分越低，表示該用戶的可信程度越低；
基於此，所述具有互動關係的用戶對應的局部信用關係鏈是用於在計算可信度評分的過程中，將基於所述局部信用關係鏈計算其他用戶相對於一個用戶的可信度評分。
實際應用中，在確定用戶的可信度評分的過程中，可以根據用戶的具體互動行為確定其他用戶相對於該用戶的可信度評分，而所述可信度評分還會與其他用戶的信用行為和信用積分等相關，實現了確定的可信度評分能夠更加準確的體現出其他用戶的可信程度。
進一步的，在確定用戶各自的互動信用評估結果的過程中，互動信用評估結果是具有相對性的，該相對性可以透過可信度評分進行表示，即其他用戶相對一個用戶的可信程度的評分結果，本實施例的一個或多個實施方式中，將需要確定與所述第一用戶具有互動關係的第二用戶組，確定所述第二用戶組中的用戶相對於所述第一用戶的互動信用評估結果，即計算所述第二用戶組中的用戶相對於所述第一用戶的可信度評分，用於體現第二用戶組中的用戶相對於第一用戶的可信程度，具體實現方式如下：
確定所述信用互動關係鏈中與第一用戶具有互動關係的第二用戶組；
基於所述第二用戶組中的用戶的信用關係網以及所述第一用戶的信用關係網，在所述信用互動關係鏈中確定所述第一用戶對應的局部信用關係鏈；
基於所述第一用戶對應的局部信用關係鏈計算所述第二用戶組中的用戶相對於所述第一用戶可信度評分，作為進行所述互動信用評估的互動信用評估結果。
具體的，所述第二用戶組具體是指與所述第一用戶具有互動關係的用戶組成的集合，所述第一用戶是所述多個用戶中的任意一個用戶，其他用戶相對於所述多個用戶中的任意一個用戶的互動信用評估結果的確定過程均與第二用戶組中的用戶相對於所述第一用戶的互動信用評估結果的確定相同，本說明書在此不做任何限定。
基於此，首先需要確定與所述第一用戶具有互動關係的第二用戶組，再基於所述第二用戶組中的用戶的信用關係網以及所述第一用戶的信用關係網，在所述信用互動關係鏈中提取與所述第一用戶對應的局部信用關係鏈，所述局部信用關係鏈可以理解為是由所述第二用戶組中的用戶的信用關係網和第一用戶的信用關係網組成的一個較小的信用互動關係鏈，即所述第一用戶對應的局部信用關係鏈是所述信用互動關係鏈中的一部分；最後根據所述第一用戶對應的局部信用關係鏈確定所述第二用戶組中的用戶相對於所述第一用戶的互動信用評估結果即可，即根據所述第一用戶對應的局部信用關係鏈計算所述第二用戶組中的用戶相對於所述第一用戶的可信度評分。
更進一步的，在透過所述第一用戶的局部信用關係鏈確定所述第二用戶組中的用戶相對於所述第一用戶的互動信用評估結果的過程中，考慮到第二用戶組中的用戶在各個信用互動維度的互動標可能對所述互動信用評估結果存在影響，本實施例的一個或多個實施方式中，在確定所述第二用戶組中的用戶相對於所述第一用戶的互動信用評估結果的過程中，將結合各個信用互動維度的互動標的以及第二用戶組中的用戶的信用積分進行確定，具體實現方式如下：
確定所述第一用戶與所述第二用戶組中的用戶在所述第一用戶對應的局部信用關係鏈中具有互動關係的信用互動節點對，以及所述第二用戶組中的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第二用戶組中的用戶的信用積分與信用節點對應的積分權重，以及各個信用互動節點對在對應的信用互動維度下的互動標的與各個信用互動節點對應的互動權重，計算所述第二用戶組中的用戶相對於所述第一用戶進行互動的可信度評分，作為進行所述互動信用評估的互動信用評估結果。
具體的，在根據所述第一用戶對應的局部信用關係鏈確定第二用戶組中的用戶相對於所述第一用戶的互動信用評估結果的過程中，為了使得所述互動信用評估結果能夠充分的體現出第二用戶組中的用戶的可信程度，即使得所述可信度評分能夠充分的體現出第二用戶組中的用戶的可信程度，需要結合信用互動維度下的互動標的以及信用積分進行計算，其中，所述信用互動維度具體是指所述第二用戶組中的用戶與所述第一用戶在互動過程中進行的互動方式，而所述信用互動維度下的互動標的是指在互動方式下涉及到的數值或者額度等；例如，用戶D向用戶E轉帳了1000元錢，則表示在信用轉帳維度下的互動標的是1000；
需要說明的是，所述第二用戶組中的用戶與所述第一用戶在具有互動關係的情況下，說明在所述第一用戶對應的局部信用關係鏈中存在信用互動節點對，所述信用互動節點具體是指第一用戶的歷史互動資訊和信用資訊對應的節點，以及所述第二用戶組中的用戶的歷史互動資訊和信用資訊對應的節點，之後確定第一用戶對應的信用互動節點和第二用戶對應的互動節點相同的節點組成所述信用互動節點對，例如，在用戶D向用戶E轉帳了1000元錢的情況下，則用戶D存在轉給用戶E資金的信用互動節點，而用戶E存在接收用戶D資金的信用互動節點，用戶D的信用互動節點和用戶E的信用互動節點即組成信用互動節點對。
基於此，在確定所述信用互動節點對的情況下，還需要結合所述第二用戶組中的每個用戶的信用積分才能夠進行計算最終的可信度評分，透過所述信用積分對應的信用節點確定所述積分權重，再根據各個信用互動節點對在對應的信用互動維度下的互動標的與各個信用互動節點對應的互動權重，計算所述第二用戶組中的用戶相對於所述第一用戶進行互動的可信度評分。
其中，根據積分權重和信用積分，以及互動權重和互動標的進行計算可信度評分時，是透過將信用積分和積分權重進行乘積，以及各個信用互動維度的互動標的與各自對應的互動權重進行乘積，最後將乘積結果進行求和作為所述第二用戶組中的用戶的可信度評分。
例如，用戶F向用戶G轉帳了1000元，用戶F和用戶H約定完成了跑步60分鐘，用戶F向用戶I借了6本書，在計算用戶G、用戶H和用戶I相對於用戶F的可信度評分的過程中，其中用戶G的信用積分是600分，用戶H的信用積分是500分，用戶I的信用積分是700分，透過用戶F對應的局部信用關係鏈中的信用互動節點對確定轉帳互動維度的互動標的是1000，轉帳互動權重是0.5，時間互動維度的互動標的是60，時間互動權重是0.4，租賃互動維度的互動標的是6，租賃互動權重是0.1，積分權重是0.4，根據上述內容計算用戶G的可信度評分是600*0.4+1000*0.5=740，用戶H的可信度評分是500*0.4+60*0.4=224，用戶I的可信度評分是700*0.4+6*0.1=280.6。
透過在所述信用互動關係鏈中確定所述第一用戶的局部信用關係鏈，在根據所述第一用戶的局部信用關係鏈確定具有互動關係的信用互動節點對，以及第二用戶組中的用戶的信用積分對應的信用節點，實現了結合第二用戶組中的用戶的信用積分以及各個信用互動維度下的互動標的確定相對於所述第一用戶的互動信用評估結果，考慮到了不同信用互動維度下的互動標的可能對互動信用評估結果的影響，實現了從各個方面綜合的對所述第二用戶組中的用戶進行可信度評估，並透過互動信用評估結果以可信度評分的方式量化可信程度，更進一步的提高了第一用戶在社交過程中的安全性和高效性。
具體實施時，在對所述第二用戶組中的用戶確定相對於所述第一用戶的互動信用評估結果的過程中，為了能夠考慮到各方面的因素對所述互動信用評估結果的影響，本實施例的一個或多個實施方式中，還考慮到第二用戶組中的用戶之間出現的互動關係對所述第一用戶產生的影響，具體實現方式如下：
在所述信用互動關係鏈中提取與第一用戶對應的局部信用關係鏈；
檢測所述第一用戶對應的局部信用關係鏈中與所述第一用戶具有互動關係的第二用戶組中的用戶是否具有次級互動關係；
若是，確定所述第二用戶組中具有次級互動關係的用戶的次級歷史互動資訊；
基於所述第一用戶對應的局部信用關係鏈以及所述次級歷史互動資訊計算所述第二用戶組中的用戶相對於所述第一用戶進行互動的可信度評分，作為進行所述互動信用評估的互動信用評估結果。
具體的，所述次級互動關係具體是指所述第二用戶組中的用戶之間存在的互動關係，基於此，在確定所述第一用戶對應的局部信用關係鏈的情況下，檢測所述第二用戶組中的用戶是否存在所述次級互動關係，若否，說明不存在次級互動關係，則根據所述第一用戶對應的局部信用關係鏈計算第二用戶組中的用戶相對於所述第一用戶的可信度評分即可；若是，則需要結合所述次級互動關係計算所述第二用戶組中的用戶相對於所述第一用戶進行互動的可信度評分。
實際應用中，在第二用戶組中的用戶存在所述次級互動關係的情況下，無論是該互動關係是正向的還是負向的，都可能發生在第一用戶的互動過程中，考慮到該因素的影響，可以結合第二用戶組中的用戶存在所述次級互動關係計算所述可信度評分。
沿用上例，用戶F和用戶G，用戶H，用戶I具有互動關係，而用戶G和用戶H存在次級互動關係，此次級互動關係是用戶G向用戶H借了500元錢，並按時進行了還錢，在計算用戶G和用戶H相對於用戶F的可信度評分的過程中，將結合此次級互動關係在可信度評分中增加一定數值的評分。
在確定所述第二用戶組中的用戶相對於所述第一用戶的互動信用評估結果的過程中，考慮到所述第二用戶組中的用戶可能存在的次級互動關係，實現了確定互動信用評估結果的準確性，能夠從互動信用評估結果充分的體現出第二用戶組中的用戶的可信程度，更進一步的提高了第一用戶在社交過程中的安全性和高效性。
具體實施時，在確定各個用戶相對於另一用戶的互動信用評估結果的過程中，即在計算各個用戶相對於另一用戶的可信度評分的過程中，可以是提前在後台計算好的，在接收到所述多個用戶中的任意一個互動提交的互動指令的情況下，直接將其他用戶相對於該互動用戶的可信度評分產生所述用戶展示列表，還可以是在所述互動用戶提交所述互動指令的時候，進行計算其他用戶相對於該互動用戶的可信度評分產生所述用戶展示列表，實際應用中，此計算過程的是在互動用戶的提交互動指令之前預先計算好，還是在提交互動指令之後實時計算，可以結合實際應用場景進行設定，本說明書在此不作任何限定。
本實施例的一個或多個實施方式中，無論是在提交所述互動指令之前還是之後，都需要根據所述互動指令產生相對於所述互動用戶的用戶展示列表，具體實現方式如下：
在接收到所述多個用戶中的任意一個互動用戶透過終端設備中的互動頁面提交的互動指令的情況下，根據所述互動指令確定與所述互動用戶具有互動關係的信用用戶組；
根據所述信用用戶組中各個信用用戶的可信度評分對所述信用用戶組中的信用用戶進行排序，在展示頁面中產生用戶展示列表。
具體的，所述終端設備可以是用戶持有的手機、平板電腦或者智慧穿戴設備，而所述互動頁面具體是指用戶在有互動需求的情況下，需要在承載互動頁面的應用程式上透過互動頁面才能夠進入選擇其他用戶進行互動的頁面；所述信用用戶組具體是指與互動用戶具有互動關係的用戶組成的集合；所述展示頁面具體是指在確定所述互動用戶的互動需求的情況下，將會根據所述互動用戶的互動指令產生用戶展示列表，而所述用戶展示列表的承載頁面即所述展示頁面；所述用戶展示列表具體是指與所述互動用戶具有互動關係的用戶組成的列表；
基於此，在接收到所述多個用戶中的任意一個互動用戶透過終端設備中的互動頁面提交的互動指令的情況下，說明所述互動用戶需要選擇至少一名目標用戶進行互動，而此時將根據所述互動指令確定與所述互動用戶具有互動關係的信用用戶組，再透過所述信用用戶組中的各個信用用戶的可信度評分對所述信用用戶進行排序，在所述展示頁面中產生所述用戶展示列表即可。
實際應用中，在根據信用用戶的可信度評分進行排序的過程中，可以基於可信度評分從高到低的順序進行排序，或者從低到高的順序進行排序，具體排序方式可以結合實際應用場景進行設定，本說明書在此不作任何限定。
參見圖4所示，用戶在發約需求的情況下，需要邀請其他用戶一起進行跑步3小時的公益活動，此時用戶可以在圖4所示信用項目的互動頁面中的“選擇約定對象”控制項處進行點擊，此時可以確定用戶提交了互動指令，需要選擇一名用戶進行約定跑步3小時，承載互動頁面的平台將根據用戶的指令產生用戶展示列表，供用戶進行選擇。
進一步的，在根據所述互動用戶在互動頁面提交的所述互動指令的情況下，在展示頁面中產生所述用戶展示列表，本實施例的一個或多個實施方式中，在確定所述用戶展示列表的情況下，需要將所述用戶展示列表向所述用戶進行展示，具體實現方式如下：
根據所述互動指令，將所述用戶展示列表加載至展示頁面；
透過所述終端設備中的所述展示頁面向所述互動用戶展示所述用戶展示列表。
具體的，根據所述互動用戶的互動指令，需要將所述用戶展示列表加載至所述展示頁面，在透過所述終端設備中的所述展示頁面向所述互動用戶展示所述用戶展示列表即可。
具體實施時，在產生所述用戶展示列表的同時，為了方便用戶對信用用戶的選擇，可以根據可信度評分產生可信用戶列表和不可信用戶列表，本實施例的一個或多個實施方式中，在根據可信度評分產生可信用戶列表和不可信用戶列表的過程中，將需要對信用用戶組中的每個信用用戶的可信度評分與臨限值進行比較，具體實現方式如下：
獲取所述信用用戶組中各個信用用戶的可信度評分，並將各個信用用戶的可信度評分與第一評分臨限值和第二評分臨限值進行比較；
將大於等於所述第一評分臨限值的可信度評分對應的信用用戶添加至可信用戶列表，將小於等於第二評分臨限值的可信度評分對應的信用用戶添加至不可用戶列表；
透過將所述可信用戶列表加載至所述展示頁面中的可信展示模板，將所述不可信用戶列表加載至所述展示頁面中的不可信展示模板，產生所述用戶展示列表。
具體的，所述第一評分臨限值是指對信用用戶進行可信度劃分的界限，所述第二評分臨限值是指對信用用戶進行不可信度劃分的界限；
基於此，首選獲取所述信用用戶組中的每個信用用戶的可信度評分，再將所述可信度評分與第一評分臨限值和第二評分臨限值進行比較，在所述信用用戶的可信度評分大於等於所述第一評分臨限值的情況下，說明所述信用用戶是可信的，將該信用用戶添加至可信用戶列表；在所述信用用戶的可信度評分小於等於所述第一評分臨限值的情況下，說明所述信用用戶是不可信的，將該信用用戶添加至不可信用戶列表；再透過將所述可信用戶列表加載至所述展示頁面中的可信展示模板，將所述不可信用戶列表加載至所述展示頁面中的不可信展示模板，即可產生所述用戶展示列表。
實際應用中，所述第一評分臨限值與所述第二評分臨限值可以是同一臨限值或不同臨限值，在第一評分臨限值與第二評分臨限值是同一臨限值的情況下，會將信用用戶組中的用戶劃分兩組，大於等於該臨限值的可信度評分對應的信用用戶確定為可信用戶，小於該臨限值的可信度評分對應的信用用戶確定為不可信用戶；
在第一評分臨限值與第二評分臨限值不是同一臨限值的情況下，會將信用用戶組中的用戶劃分三組，大於等於第一評分臨限值的可信度評分對應的信用用戶確定為可信用戶，小於等於第二評分臨限值的可信度評分對應的信用用戶確定為不可信用戶，而小於第一評分臨限值且大於第二評分臨限值的用戶屬於可信程度中等，可信程度中等的用戶隨機性比較到，將不作為所述互動用戶可以選擇的信用用戶即可。
進一步的，在將包含所述可信用戶列表和不可信用戶列表的用戶展示列表向所述互動用戶進行展示的情況下，所述互動用戶可以在可信用戶列表中選擇信用用戶進行邀約或者發約，而互動用戶在與不可信用戶列表中的信用用戶進行邀約或者發約時，將會被攔截，避免互動用戶出現被欺詐的情況；但是為了避免出現互動用戶就需要對不可信用戶列表中的信用用戶進行互動的情況，可以對不可信用戶列表中的信用用戶手動移至可信用戶列表，還可以將可信用戶列表中的信用用戶移至不可信用戶列表，具體實現方式如下：
接收所述互動用戶針對所述展示頁面中的可信用戶列表中的至少一個目標用戶提交的變更指令；
根據所述變更指令將所述互動用戶選擇的所述至少一個目標用戶移至所述不可信用戶列表，並對所述可信用戶列表和所述不可信用戶列表進行更新；
或者，
接收所述互動用戶針對所述展示頁面中的不可信用戶列表中的至少一個目標用戶提交的變更指令；
根據所述變更指令將所述互動用戶選擇的所述至少一個目標用戶移至所述可信用戶列表，並對所述不可信用戶列表和所述可信用戶列表進行更新。
具體的，在接收到所述互動用戶針對所述展示頁面中的信用戶列表或者不可信用戶列表中的至少一個目標用戶提交的變更指令的情況下，說明用戶需要將所述至少一個目標用戶移至信用戶列表或者不可信用戶列表，此時將根據所述變更指令對所述至少一個目標用戶進行移動，並將基於所述變更指令對所述信用戶列表和不可信用戶列表進行更新。
實際應用中，在所述展示頁面的列表項中存在兩個控制項，分別對應可信用戶列表和不可信用戶列表，在所述互動用戶點擊可信用戶列表對應的控制項的情況下，將在所述展示頁面中展示可信用戶列表；在所述互動用戶點擊不可信用戶列表對應的控制項的情況下，將在所述展示頁面中展示不可信用戶列表；並且，在提交變更指令時，提交方式可以是在展示頁面中針對至少一個目標用戶向左或右滑動，滑動結束將出現變更標簽，在透過點擊變更標簽即可對至少一個目標用戶移動至可信用戶列表或不可信用戶列表。
參見圖5(a)所示，在用戶J需要選擇其他用戶進行邀約的情況下，將根據用戶J的互動資訊確定信用用戶組，透過將信用用戶組中的用戶的可信度評分與評分臨限值進行比較，將信用用戶組中的信用用戶劃分為可信用戶和不可信用戶，同時將可信用戶添加至可信用戶列表，如圖5(b)所示，將不可信用戶添加至不可信用戶列表，如圖5(c)所示；
當用戶J需要將可信用戶列表中的用戶K移至不可信用戶列表時，將滑動用戶K對應的列表項，透過點擊“標為不可信”，即可將用戶K移動至不可信用戶列表。
為了能夠為互動用戶提供更豐富的體驗效果，以及更方便的選擇信用用戶建立互動關係，在產生所述用戶展示列表時，可以針對信用用戶的可信度評分產生可信用戶列表和不可信用戶列表，並且，在所述互動用戶需要針對不可信用戶列表中的用戶建立互動關係的時，可以主動的將所述不可信用戶列表中的信用用戶移動至所述可信用戶列表，更進一步的豐富的所述互動用戶的可操作性。
具體實施時，在互動用戶透過所述展示頁面選擇信用用戶進行發約或者邀約時，在向互動用戶展示信用用戶的可信度評分時，並不會結合信用用戶正在進行中的互動狀態進行計算可信度評分，而正在進行中的互動狀態的信用評分也是無法計算的，考慮到該方面因素的影響，可以針對互動狀態處於正在進行中的信用用戶添加風險標簽，本實施例的一個或多個實施方式中，添加風險標簽的過程如下：
透過對所述互動指令進行解析，確定所述互動指令對應的互動項目所屬的第一互動類型；
在所述用戶展示列表中選擇信用用戶參與的互動項目所屬的第二互動類型與所述第一互動類型相同，且互動狀態處於互動進行中的信用用戶添加風險標簽；
透過在所述終端設備中的所述展示頁面向所述互動用戶展示攜帶有所述風險標簽的用戶展示列表。
具體的，所述互動項目具體是指互動用戶邀請信用用戶參與的項目，所述互動項目可以是互動公益項目，互動租賃項目等；所述第一互動類型和所述第二互動類型具體是指所述互動用戶主動應約信用用戶或者主動發約信用用戶；其中，主動應約信用用戶的互動類型是指主動參與信用用戶的互動項目，主動發約信用用戶的互動類型是指主動邀請信用用戶參與互動項目；
基於此，在接收到所述互動用戶提交的互動指令後，透過對所述互動指令進行解析，確定所述互動指令對應的互動項目所屬的第一互動類型，此時，將需要在所述展示列表中選擇信用用戶參與的互動項目所屬的第二互動類型與第一互動類型相同，並且互動狀態處於互動進行中的信用用戶添加風險標簽，最後透過在所述終端設備中的所述展示頁面向所述互動用戶展示攜帶有所述風險標簽的用戶展示列表即可。
沿用上例，在用戶J提交互動指令的情況下，透過對互動指令進行解析，確定用戶J的互動項目所屬的互動類型是發約類型，在用戶展示列表中選擇與發約類型相同且互動狀態處於互動進行中的信用用戶添加風險標簽，確定用戶M和用戶N參與的互動項目是發約類型，且互動狀態是互動進行中，則在展示頁面展示用戶M和用戶N的時候，在對應的列表項中添加風險標簽“風險提示”，如圖5(a)所示。
透過選擇信用用戶參與互動項目所屬的第二互動類型與所述第一互動類型相同，且互動狀態處於互動進行中的信用用戶添加風險標簽，實現了可以向互動用戶展示與其互動類型相同的信用用戶可能存在風險，進而對所述互動用戶起到了警示的作用，從而保障了後續建立互動合約的安全性和有效性。
具體實施時，在將所述展示頁面中的所述用戶展示列表向所述互動用戶展示之後，所述互動用戶可以提交選擇指令，選擇所述用戶展示列表中的至少一個目標用戶進行邀約或者發約，本實施例的一個或多個實施方式中，在互動用戶提交的點擊指令觸發相應控制項的情況下，才能夠進行邀約或者發約，具體實現方式如下：
接收所述互動用戶在所述展示頁面中提交的點擊指令；
在所述點擊指令觸發所述用戶展示列表中的至少一個目標用戶的應約控制項或者發約控制項的情況下，對所述互動用戶與所述至少一個目標用戶進行發約處理或者應約處理。
具體的，所述發約處理具體是指所述互動用戶主動邀請所述至少一個目標用戶參與互動用戶發起的互動項目，所述應約處理具體是指所述互動用戶主動參與所述至少一個目標用戶發起的互動項目；
基於此，在接收到所述互動用戶在所述展示頁面中提交的點擊指令的情況下，說明所述互動用戶已經確定的目標用戶，在所述點擊指令觸發所述用戶展示列表中的至少一個目標用戶的應約控制項的情況下，則對所述互動用戶與所述至少一個目標用戶進行應約處理，在所述點擊指令觸發所述用戶展示列表中的至少一個目標用戶的發約控制項的情況下，則對所述互動用戶與所述至少一個目標用戶進行發約處理。
進一步的，所述互動用戶還可以在所述展示頁面中查看至少一個目標用戶的個人資訊，從而在決定是否向所述至少一個目標用戶進行發約或者應約，本實施例的一個或多個實施方式中，在接收所述互動用戶提交的點擊指令後，確定所述點擊指令觸發的是所述至少一個目標用戶的影像標識的情況下，向所述互動用戶展示所述至少一個目標用戶的個人資訊，具體實現方式如下：
接收所述互動用戶在所述展示頁面中提交的點擊指令；
在所述點擊指令觸發所述用戶展示列表中的至少一個目標用戶的影像標識的情況下，將所述至少一個目標用戶的個人資訊透過所述終端設備向所述互動用戶進行展示，在所述至少一個目標用戶的個人資訊中包含發約控制項或應約控制項；
在接收到所述互動用戶針對所述發約控制項或應約控制項提交的選擇指令的情況下，對所述互動用戶與所述至少一個目標用戶進行發約處理或者應約處理。
具體的，接收所述互動用戶在展示頁面提交的點擊指令，在所述點擊指令觸發所述用戶展示列表中的至少一個目標用戶的影像標識的情況下，說明所述互動用戶需要查看所述至少一個目標用戶個人資訊，則將所述至少一個目標用戶的個人資訊透過所述終端設備中的展示頁面向所述互動用戶進行展示，並且在所述至少一個目標用戶的個人資訊中包含發約控制項或應約控制項；
基於此，在所述在接收到所述互動用戶針對所述發約控制項或應約控制項提交的選擇指令的情況下，對所述互動用戶與所述至少一個目標用戶進行發約處理或者應約處理即可。
透過在所述展示頁面中設置與所述至少一個目標用戶個人資訊對應的可操作區域(即至少一個目標用戶的影像標識)，實現了互動用戶可以透過點擊影像標識讀取所述至少一個目標用戶的個人資訊，透過所述至少一個目標用戶的個人資訊可以清楚的瞭解至少一個目標用戶的信用資訊，實現了在互動用戶進行發約或者應約的過程中，可以透過查看目標用戶的個人資訊再決定是否對其進行發約處理或者應約處理，進而更進一步的保障了互動用戶的互動行為的安全性和高效性。
沿用上例，參見圖5(a)所示，在用戶J針對用戶X提交點擊指令的情況下，確定點擊指令點擊的是用戶X對應的空白區域的情況下，說明是向用戶X進行了發約，則將用戶X和用戶J進行後續的發約處理即可；
在確定點擊指令點擊的是用戶X的影像標識的情況下，說明用戶J需要查看用戶X的個人資訊，則將用戶X的個人資訊向用戶J進行展示，用戶X的個人資訊如圖6所示，並且當用戶J需要對用戶X進行發約的情況下，可以點擊個人資訊中的“發起約定”控制項，實現向用戶X發約。
本說明書提供的基於信用的互動信用評估方法，透過將具有互動關係的用戶的信用關係網進行連接，獲得信用互動關係鏈，基於所述信用互動關係鏈確定各個用戶的互動信用評估結果，實現了在用戶之間互動的過程中，用戶之間可以透過互動信用評估結果確定其他用戶的可信程度，從而保證了用戶與用戶之間建立的社交活動的高效性，並且在確定用戶的互動信用評估結果的過程中，為了能夠使得互動信用評估結果更真實的體現出用戶的可信程度，透過結合用戶在各個信用互動維度的互動標的和信用積分進行計算可信度評分作為所述互動信用評估結果，實現了更進一步的保障了用戶在發約或者應約過程中的安全性。
下述結合附圖7，以本說明書提供的基於信用的互動信用評估方法在發約場景中的應用為例，對所述基於信用的互動信用評估方法進行進一步說明。其中，圖7示出了本說明書一實施例提供的一種應用於發約場景的基於信用的互動信用評估方法的處理流程圖，具體步驟包括步驟702至步驟722。
步驟702：接收用戶U提交的互動指令。
具體的，用戶U發起了信用跑步3小時項目，此時用戶U需要邀請其他人參與到該項目當中，信用跑步3小時項目才能夠開始進行，用戶U透過點擊發起信用跑步3小時項目的互動頁面中的發約控制項提交了互動指令。
步驟704：根據互動指令獲取用戶U在各個互動維度的歷史互動資訊以及信用資訊。
具體的，用戶U的歷史互動資訊包括轉帳互動資訊，租車互動資訊和借錢互動資訊；用戶U的信用資訊包括好友資訊和互動項目履約資訊。
步驟706：基於用戶U的信用資訊和歷史互動資訊之間的聯通關係，構建由信用資訊對應的信用節點，歷史互動資訊對應的信用節點組成的信用關係網。
步驟708：透過將用戶U的信用關係網以及與用戶U具有互動關係的用戶的信用關係網進行連接處理，獲得信用互動關係鏈。
步驟710：確定信用互動關係鏈中與用戶U具有互動關係的用戶組。
具體的，在獲得信用關係鏈之後，將基於信用關係鏈計算與用戶U具有互動關係的用戶相對於用戶U的可信度評分，以方便用戶U在選擇的過程中可以基於可信度評分確定每個用戶的可信程度。
步驟712：在信用互動關係鏈中提取用戶U對應的局部信用關係鏈。
步驟714：確定局部信用關係鏈中與用戶U具有互動關係的用戶組中的信用用戶的信用互動節點對，和信用用戶的信用積分對應的信用節點。
步驟716：根據信用節點對應的積分權重與信用積分，以及信用互動節點對在對應信用互動維度下的互動標度與互動權重，計算信用用戶相對於用戶U的可信度評分。
具體的，確定信用用戶存在100名，基於每個用戶的信用積分以及在信用互動維度下的互動標的，分別計算這100名信用用戶相對於用戶U的可信度評分。
步驟718：將可信度評分大於第一評分臨限值的信用用戶添加至可信用戶列表，將小於等於第一評分臨限值的信用用戶添加至不可信用戶列表。
步驟720：將可信用戶列表和不可信用戶列表加載至展示頁面，透過終端設備向用戶U進行展示。
步驟722：在用戶U針對展示頁面的展示列表中的信用用戶提交選擇指令的情況下，根據選擇指令對用戶U與目標用戶進行發約處理。
本說明書提供的基於信用的互動信用評估方法，實現了在用戶之間互動的過程中，用戶之間可以透過可信度評分確定其他用戶的可信程度，從而保證了用戶與用戶之間建立的社交活動的高效性，並且在計算用戶的可信度評分的過程中，為了能夠使得可信度評分更真實的體現出用戶的可信程度，透過結合用戶在各個信用互動維度的互動標的和信用積分進行計算可信度評分，實現了更進一步的保障了用戶在發約過程中的安全性。
與上述方法實施例相對應，本說明書還提供了基於信用的互動信用評估裝置實施例，圖8示出了本說明書一實施例提供的一種基於信用的互動信用評估裝置的結構示意圖。如圖8所示，該裝置包括：
獲取模組802，被配置為獲取多個用戶在各個互動維度的歷史互動資訊；
構建模組804，被配置為根據所述歷史互動資訊以及所述多個用戶的信用資訊分別構建用戶各自的信用關係網；
連接模組806，被配置為根據各個用戶的歷史互動資訊以及各個用戶的信用資訊，將具有互動關係的用戶各自的信用關係網進行連接處理，獲得信用互動關係鏈；
評估模組808，被配置為基於所述信用互動關係鏈中具有互動關係的用戶對應的局部信用關係鏈對用戶進行互動信用評估。
一個可選的實施例中，針對所述多個用戶中任意一個用戶的信用關係網，透過如下方式構建：
基於所述用戶的信用資訊與所述用戶的歷史互動資訊之間的聯通關係，構建由所述用戶的信用資訊對應的各個信用節點、所述用戶的歷史互動資訊對應的各個信用節點組成的所述用戶的信用關係網。
一個可選的實施例中，所述連接模組806，包括：
第一確定單元，被配置為根據各個用戶的歷史互動資訊以及各個用戶的信用資訊確定具有互動關係的用戶，並獲取具有互動關係的用戶各自的信用關係網；
組成單元，被配置為將具有互動關係的用戶各自的信用關係網中包含的信用節點按照用戶各自的歷史互動資訊進行連接，獲得由具有互動關係的用戶的信用關係網組成的所述信用互動關係鏈。
一個可選的實施例中，所述評估模組808，包括：
第二確定單元，被配置為確定所述信用互動關係鏈中與第一用戶具有互動關係的第二用戶組；
第三確定單元，被配置為基於所述第二用戶組中的用戶的信用關係網以及所述第一用戶的信用關係網，在所述信用互動關係鏈中確定所述第一用戶對應的局部信用關係鏈；
第一計算單元，被配置為基於所述第一用戶對應的局部信用關係鏈計算所述第二用戶組中的用戶相對於所述第一用戶可信度評分，作為進行所述互動信用評估的互動信用評估結果。
一個可選的實施例中，所述第一計算單元，包括：
第一確定子模組，被配置為確定所述第一用戶與所述第二用戶組中的用戶在所述第一用戶對應的局部信用關係鏈中具有互動關係的信用互動節點對，以及所述第二用戶組中的用戶的信用積分對應的信用節點；
第一計算子模組，被配置為根據所述信用節點對應的所述第二用戶組中的用戶的信用積分與信用節點對應的積分權重，以及各個信用互動節點對在對應的信用互動維度下的互動標的與各個信用互動節點對應的互動權重，計算所述第二用戶組中的用戶相對於所述第一用戶進行互動的可信度評分，作為進行所述互動信用評估的互動信用評估結果。
一個可選的實施例中，所述第一計算單元，包括：
提取子模組，被配置為在所述信用互動關係鏈中提取與第一用戶對應的局部信用關係鏈；
檢測子模組，被配置為檢測所述第一用戶對應的局部信用關係鏈中與所述第一用戶具有互動關係的第二用戶組中的用戶是否具有次級互動關係；
若是，運行第二確定子模組；
所述第二確定子模組，被配置為確定所述第二用戶組中具有次級互動關係的用戶的次級歷史互動資訊；
第二計算子模組，被配置為基於所述第一用戶對應的局部信用關係鏈以及所述次級歷史互動資訊計算所述第二用戶組中的用戶相對於所述第一用戶進行互動的可信度評分，作為進行所述互動信用評估的互動信用評估結果。
一個可選的實施例中，所述基於信用的互動信用評估裝置，還包括：
確定模組，被配置為在接收到所述多個用戶中的任意一個互動用戶透過終端設備中的互動頁面提交的互動指令的情況下，根據所述互動指令確定與所述互動用戶具有互動關係的信用用戶組；
產生模組，被配置為根據所述信用用戶組中各個信用用戶的可信度評分對所述信用用戶組中的信用用戶進行排序，在展示頁面中產生用戶展示列表。
一個可選的實施例中，所述基於信用的互動信用評估裝置，還包括：
加載模組，被配置為根據所述互動指令，將所述用戶展示列表加載至展示頁面；
展示模組，被配置為透過所述終端設備中的所述展示頁面向所述互動用戶展示所述用戶展示列表。
一個可選的實施例中，所述展示模組，包括：
解析單元，被配置為透過對所述互動指令進行解析，確定所述互動指令對應的互動項目所屬的第一互動類型；
添加單元，被配置為在所述用戶展示列表中選擇信用用戶參與的互動項目所屬的第二互動類型與所述第一互動類型相同，且互動狀態處於互動進行中的信用用戶添加風險標簽；
展示單元，被配置為透過在所述終端設備中的所述展示頁面向所述互動用戶展示攜帶有所述風險標簽的用戶展示列表。
一個可選的實施例中，所述基於信用的互動信用評估裝置，還包括：
第一接收模組，被配置為接收所述互動用戶在所述展示頁面中提交的點擊指令；
第一處理模組，被配置為在所述點擊指令觸發所述用戶展示列表中的至少一個目標用戶的應約控制項或者發約控制項的情況下，對所述互動用戶與所述至少一個目標用戶進行發約處理或者應約處理。
一個可選的實施例中，所述基於信用的互動信用評估裝置，還包括：
第二接收模組，被配置為接收所述互動用戶在所述展示頁面中提交的點擊指令；
展示個人資訊模組，被配置為在所述點擊指令觸發所述用戶展示列表中的至少一個目標用戶的影像標識的情況下，將所述至少一個目標用戶的個人資訊透過所述終端設備向所述互動用戶進行展示，在所述至少一個目標用戶的個人資訊中包含發約控制項或應約控制項；
第二處理模組，被配置為在接收到所述互動用戶針對所述發約控制項或應約控制項提交的選擇指令的情況下，對所述互動用戶與所述至少一個目標用戶進行發約處理或者應約處理。
一個可選的實施例中，所述在展示頁面中產生用戶展示列表，包括：
獲取所述信用用戶組中各個信用用戶的可信度評分，並將各個信用用戶的可信度評分與第一評分臨限值和第二評分臨限值進行比較；
將大於等於所述第一評分臨限值的可信度評分對應的信用用戶添加至可信用戶列表，將小於等於第二評分臨限值的可信度評分對應的信用用戶添加至不可用戶列表；
透過將所述可信用戶列表加載至所述展示頁面中的可信展示模板，將所述不可信用戶列表加載至所述展示頁面中的不可信展示模板，產生所述用戶展示列表。
一個可選的實施例中，所述基於信用的互動信用評估裝置，還包括：
第三接收模組，被配置為接收所述互動用戶針對所述展示頁面中的可信用戶列表中的至少一個目標用戶提交的變更指令；
第一更新模組，被配置為根據所述變更指令將所述互動用戶選擇的所述至少一個目標用戶移至所述不可信用戶列表，並對所述可信用戶列表和所述不可信用戶列表進行更新；
或者，
第四接收模組，被配置為接收所述互動用戶針對所述展示頁面中的不可信用戶列表中的至少一個目標用戶提交的變更指令；
第二更新模組，被配置為根據所述變更指令將所述互動用戶選擇的所述至少一個目標用戶移至所述可信用戶列表，並對所述不可信用戶列表和所述可信用戶列表進行更新。
本說明書中提供的基於信用的互動信用評估裝置，透過將具有互動關係的用戶的信用關係網進行連接，獲得信用互動關係鏈，基於所述信用互動關係鏈確定各個用戶的互動信用評估結果，實現了在用戶之間互動的過程中，用戶之間可以透過互動信用評估結果確定其他用戶的可信程度，從而保證了用戶與用戶之間建立的社交活動的高效性，並且在確定用戶的互動信用評估結果的過程中，為了能夠使得互動信用評估結果更真實的體現出用戶的可信程度，透過結合用戶在各個信用互動維度的互動標的和信用積分進行計算可信度評分作為所述互動信用評估結果，實現了更進一步的保障了用戶在發約或者應約過程中的安全性。
上述為本實施例的一種基於信用的互動信用評估裝置的示意性方案。需要說明的是，該基於信用的互動信用評估裝置的技術方案與上述的基於信用的互動信用評估方法的技術方案屬於同一構思，基於信用的互動信用評估裝置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互動信用評估方法的技術方案的描述。
圖9示出了根據本說明書一實施例提供的一種計算設備900的結構方塊圖。該計算設備900的部件包括但不限於記憶體910和處理器920。處理器920與記憶體910透過匯流排930相連接，資料庫950用於保存資料。
計算設備900還包括接取設備940，接取設備940使得計算設備900能夠經由一個或多個網路960通信。這些網路的示例包括公用交換電話網路(PSTN)、區域網路(LAN)、廣域網路(WAN)、個人區域網路(PAN)或諸如網際網路的通信網路的組合。接取設備940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無線區域網路(WLAN)無線介面、全球微波互聯接取(Wi-MAX)介面、以太網介面、通用串列匯流排(USB)介面、蜂巢式網路介面、藍牙介面、近場通信(NFC)介面，等等。
在本說明書的一個實施例中，計算設備900的上述部件以及圖9中未示出的其他部件也可以彼此相連接，例如透過匯流排。應當理解，圖9所示的計算設備結構方塊圖僅僅是出於示例的目的，而不是對本說明書範圍的限制。本領域技術人員可以根據需要，增添或替換其他部件。
計算設備900可以是任何類型的靜止或移動計算設備，包括移動電腦或移動計算設備(例如，平板電腦、個人數位助理、膝上型電腦、筆記本電腦、小筆電等)、行動電話(例如，智慧手機)、穿戴式的計算設備(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900還可以是移動式或靜止式的伺服器。
其中，處理器920用於執行如下電腦可執行指令：
獲取多個用戶在各個互動維度的歷史互動資訊；
根據所述歷史互動資訊以及所述多個用戶的信用資訊分別構建用戶各自的信用關係網；
根據各個用戶的歷史互動資訊以及各個用戶的信用資訊，將具有互動關係的用戶各自的信用關係網進行連接處理，獲得信用互動關係鏈；
基於所述信用互動關係鏈中具有互動關係的用戶對應的局部信用關係鏈對用戶進行互動信用評估。
上述為本實施例的一種計算設備的示意性方案。需要說明的是，該計算設備的技術方案與上述的基於信用的互動信用評估方法的技術方案屬於同一構思，計算設備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互動信用評估方法的技術方案的描述。
本說明書一實施例還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以用於：
獲取多個用戶在各個互動維度的歷史互動資訊；
根據所述歷史互動資訊以及所述多個用戶的信用資訊分別構建用戶各自的信用關係網；
根據各個用戶的歷史互動資訊以及各個用戶的信用資訊，將具有互動關係的用戶各自的信用關係網進行連接處理，獲得信用互動關係鏈；
基於所述信用互動關係鏈中具有互動關係的用戶對應的局部信用關係鏈對用戶進行互動信用評估。
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互動信用評估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互動信用評估方法的技術方案的描述。
上述對本說明書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，在附圖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，多任務處理和平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碼，所述電腦程式碼可以為原始碼形式、物件碼形式、可執行文件或某些中間形式等。所述電腦可讀媒體可以包括：能夠攜帶所述電腦程式碼的任何實體或裝置、記錄媒體、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，本說明書並不受所描述的動作順序的限制，因為依據本說明書，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較佳實施例，所涉及的動作和模組並不一定都是本說明書所必須的。
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。
以上公開的本說明書較佳實施例只是用於幫助闡述本說明書。可選實施例並沒有詳盡叙述所有的細節，也不限制該發明僅為所述的具體實施方式。顯然，根據本說明書的內容，可作很多的修改和變化。本說明書選取並具體描述這些實施例，是為了更好地解釋本說明書的原理和實際應用，從而使所屬技術領域技術人員能很好地理解和利用本說明書。本說明書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 this specification. However, this specification can be implemented in many other ways different from those described here, and those skilled in the art can make similar extensions without departing from the connotation of this specification. Therefore, this specification is not limited by the specific implementation disclosed below.
The terms used in one or more embodiments of this specification are only for the purpose of describing specific embodiments, and are not intended to limit one or more embodiments of this specification. The singular forms of "a", "said" and "the" used in one or more embodiments of this specification 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 this specification refers to and includes any or all possible combinations of one or more associated listed items.
It should be understood that although the terms target, second, etc. may be used in one or more embodiments of this specification to describe various information, 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 this specification, the target may also be referred to as the second, and similarly, the second may also be referred to as the target. Depending on the context, the word "if" as used herein can be interpreted as "when" or "when" or "in response to determination".
First of all, the terminology involved in one or more embodiments of this specification is explained.
Credibility score: Based on the user’s credit behavior, the user’s credit evaluation is performed, and the user’s history and ongoing interaction frequency are combined with multiple dimensions to conduct a comprehensive evaluation result, and quantify the user’s credit relationship network based on the evaluation result Result score of the credibility of other users in the.
Interactive relationship: After quantifying the credibility of the users in the credit relationship network by the credibility score, the credit relationship network of each user is reorganized into two groups of trusted relationships and untrusted relationships, which are collectively referred to as interactive relationships .
Credit relationship network: a relationship network established based on interactive relationships and combined with users' credit information and interactive information.
Credit interaction relationship chain: When multiple credit relationship networks are intertwined, a relationship chain formed by connecting a single or multiple user interaction relationships with credit nodes corresponding to credit information.
In this specification, a credit-based interactive credit evaluation method is provided. This specification also relates to a credit-based interactive credit evaluation device, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments. Description.
Fig. 1 shows a flow chart of a credit-based interactive credit evaluation method according to an embodiment of the present specification, including steps 102 to 108.
Step 102: Obtain historical interaction information of multiple users in each interaction dimension.
Each interaction dimension in an embodiment of this specification specifically refers to the dimension corresponding to any interaction relationship with the user. The interaction dimension includes the transfer dimension, the borrowing dimension, the credit dimension, etc. The historical interactive information in the transfer dimension is specifically Refers to the interactive information with transfer records between users. The historical interactive information in the borrowing dimension specifically refers to the interactive information with borrowing records between the user and the user, and the historical interactive information in the credit dimension specifically refers to the user and the user Establish a credit contract and complete the interactive information of the credit contract.
It should be noted that the interactive relationship between users and users generally refers to the relationship generated by online interaction. There will be interactive information regardless of the method of online interaction, which can be used to establish a credit relationship network for each user in the follow-up.
In specific implementation, when an interactive user has an offer or solicitation demand, other users need to be invited to make an offer or an invitation. At this time, the interactive user needs to select to send from the user display list on the display page of the credit platform through the terminal device. All users in the user display list have an interactive relationship with interactive users in different interactive dimensions. Interactive users can actively select users with a high degree of credibility, and then realize the processing of the appointment or the processing of the appointment. In the process of an interactive user choosing other users to make an appointment or an invitation, the credibility of other users relative to the interactive user determines the possibility of being an appointment or an invitation.
In the credit-based interactive credit evaluation method provided in this manual, in order to enable users to interact with users, the trustworthiness of other users can be directly shown to each user, and users are constructed separately through the interactive information and credit information of each user. The respective credit relationship networks connect the credit relationship networks of users with interactive relationships to obtain a credit interaction relationship chain. Based on the credit interaction relationship chain, the credibility of each user is evaluated, and the relationship between users is realized. In the process of interaction, users can determine the credibility of other users through the results of interactive credit evaluation, thus ensuring the efficiency of social behaviors established between users and users, and can intuitively display the credibility of other users for users To a certain extent, the security and authenticity of social behaviors established between users are further ensured.
In practical applications, the historical interactive information of the multiple users in each interactive dimension refers to the information generated by the user interacting with other users on the credit platform is called the historical interactive information, and as long as there is an interactive process on the credit platform It can be determined that there is an interactive relationship between users.
Step 104: According to the historical interactive information and the credit information of the multiple users, each user's respective credit relationship network is constructed.
Specifically, on the basis of acquiring the respective historical interactive information of multiple users, a respective credit relationship network corresponding to each user will be constructed according to the historical interactive information and the credit information of the multiple users, wherein the The credit information specifically refers to the credit relationship between the user and the user. For example, the credit accounts of the user A and the user B in the credit platform are friends, and the user B is a friend of the credit account of the user A, that is, the credit information of the user A; Based on this, a corresponding credit relationship network is constructed according to the historical interactive information and credit information corresponding to each user. The credit relationship network specifically refers to the establishment of a user based on the historical interactive information and credit information of any user as the central axis. Network of relationships.
Further, in the process of constructing the respective credit relationship networks of users, in order to realize that the structured credit relationship network is sufficiently complete, in one or more implementations of this embodiment, the user’s credit information and historical interactive information will correspond to each other. The nodes of to form the credit relationship network, and the specific implementation is as follows:
Based on the connection relationship between the user’s credit information and the user’s historical interactive information, a comprehensive set of credit nodes corresponding to the user’s credit information and each credit node corresponding to the user’s historical interactive information is constructed. Describe the user’s credit relationship network.
Specifically, the network is composed of nodes and connecting lines in an interleaved manner. In this embodiment, the credit information of the user and the historical interactive information are used to determine the credit nodes in the credit relationship network, and the user’s credit information is used to determine the credit nodes in the credit relationship network. The connection relationship between the credit information and the historical interactive information of the user is used as the connecting line in the credit relationship network, and the user's credit relationship network can be formed based on the credit node and the connecting line.
In practical applications, users with credit accounts on the credit platform will all establish their corresponding credit relationship networks in the above-mentioned manner, and the credit relationship networks corresponding to different users are also different.
As shown in Figure 2, there are user A, user B, and user C. The historical interaction information between user A and user B is that user A borrowed 1,000 yuan from user B. User A's credit information determines that user C is user A. According to user A’s credit information history interactive information, the establishment of user A’s credit relationship network is shown in Figure 2.
In the process of establishing the user’s respective credit relationship network, the nodes corresponding to the user’s credit information and historical interactive information are interconnected to form the credit relationship network, which realizes that the credit relationship network established for the user is sufficient Perfect, in the subsequent process of the user interacting with other users, the options can be more abundant.
Step 106: According to the historical interactive information of each user and the credit information of each user, connect the respective credit relationship networks of the users with interactive relationships to obtain a credit interactive relationship chain.
Specifically, on the basis of establishing a respective credit relationship network for each user, further, a credit interaction relationship chain will be established based on each user's credit relationship network;
Following the above example, in the case of determining the credit relationship network of user A, at this time user B and user C also have their respective credit relationship networks, and both user B and user C have an interactive relationship with user A, then user A can be determined The credit relationship network of user B, the credit relationship network of user B, and the credit relationship network of user C are related. At this time, the corresponding credit relationship networks of user A, user B, and user C can be connected to generate credit The interactive relationship chain is shown in Figure 3; in this chain, the corresponding interactive relationships of user A, user B, and user C can be directly determined;
Based on this, in the process of obtaining the credit interactive chain, it is possible to perform connection processing based on the credit relationship network corresponding to each user with the interactive relationship according to the credit information and historical interactive information of the user with the interactive relationship to obtain the credit Interactive relationship chain.
Further, in the process of obtaining the credit interaction relationship chain, in order to make the finally obtained credit interaction relationship chain sufficiently complete and more convenient in application, in one or more implementation manners of this embodiment, there will be interaction The credit nodes in the respective credit relationship networks of the users of the relationship are connected to generate the credit interaction relationship chain. The specific implementation is as follows:
Determine the users with interactive relationship according to the historical interactive information of each user and the credit information of each user, and obtain the respective credit relationship network of the users with interactive relationship;
The credit nodes included in the respective credit relationship networks of users with interactive relationships are connected according to their respective historical interactive information, and the credit interactive relationship chain composed of the credit relationship networks of users with interactive relationships is obtained.
Specifically, firstly, according to the historical interactive information of each user and the credit information of each user, the user with an interactive relationship is determined. The interactive relationship may be a friend relationship, a credit relationship, a transfer relationship, etc. between the user and the user, and then it is determined that there is an interactive relationship. The respective credit relationship networks of the users in the relationship. At this time, it can be determined that the respective credit relationship networks of the users with the interaction relationship have the same credit node, and finally the credit nodes contained in the respective credit relationship networks of the users with the interaction relationship are connected, The credit relationship network of each user is formed to be connected, and the credit interaction relationship chain is formed according to the connection result.
In practical applications, since the respective credit relationship networks corresponding to users with interactive relationships are sufficiently large, in the process of connecting the credit relationship networks, all the credit relationship networks can be connected to form the credit interaction relationship chain, and finally The obtained credit interaction relationship chain may include the credit relationship networks corresponding to all users.
By establishing the credit interaction relationship chain, it is realized that in the subsequent process of evaluating the interactive credit of each user, the interactive credit evaluation result between the user and the user is unique, for example, the user A is relative to the user The interactive credit evaluation result of B is a credibility score of 1900 points, and the interactive credit evaluation result of user A relative to user C is a credibility score of 1800 points, which makes the user more secure and reliable in the process of establishing social behaviors.
Step 108: Perform an interactive credit evaluation on the user based on the partial credit relationship chain corresponding to the user with the interactive relationship in the credit interactive relationship chain.
Specifically, on the basis of obtaining the credit interactive relationship chain, further, the user’s respective interactive credits will be evaluated according to the local credit relationship chain corresponding to the users with interactive relationships in the credit interactive relationship chain, and then each user’s interactive credit will be obtained. The user’s interactive credit evaluation result. The interactive credit evaluation result can be expressed through the credibility score. The credibility score can intuitively indicate the credibility of the user. The higher the credibility score of the user, the credibility of the user The higher, on the contrary, the lower the user’s credibility score, which means that the user’s credibility is lower;
Based on this, the partial credit relationship chain corresponding to the user with the interactive relationship is used to calculate the credibility score of other users relative to one user based on the partial credit relationship chain in the process of calculating the credibility score.
In practical applications, in the process of determining a user’s credibility score, the credibility score of other users relative to the user can be determined according to the user’s specific interaction behavior, and the credibility score will also be compared with other users’ credibility scores. Behaviors are related to credit scores, etc., and a certain credibility score can more accurately reflect the credibility of other users.
Further, in the process of determining the user’s respective interactive credit evaluation results, the interactive credit evaluation results are relative, and the relativity can be expressed through the credibility score, that is, the score of the credibility of other users relative to a user As a result, in one or more implementation manners of this embodiment, it will be necessary to determine the second user group that has an interactive relationship with the first user, and determine whether the users in the second user group are relative to the first user. The interactive credit evaluation result, which is to calculate the credibility score of the users in the second user group relative to the first user, is used to reflect the credibility of the users in the second user group relative to the first user, specifically The implementation is as follows:
Determine a second user group that has an interactive relationship with the first user in the credit interaction relationship chain;
Determine the partial credit relationship chain corresponding to the first user in the credit interaction relationship chain based on the credit relationship network of the users in the second user group and the credit relationship network of the first user;
Calculating the credibility score of users in the second user group relative to the first user based on the partial credit relationship chain corresponding to the first user, as an interactive credit evaluation result of performing the interactive credit evaluation.
Specifically, the second user group specifically refers to a set of users who have an interactive relationship with the first user, the first user is any one of the multiple users, and other users are relative to the The process of determining the interactive credit evaluation result of any one of the multiple users is the same as the determination of the interactive credit evaluation result of the users in the second user group relative to the first user, and this specification does not make any limitation here.
Based on this, it is first necessary to determine the second user group that has an interactive relationship with the first user, and then based on the credit relationship network of the users in the second user group and the credit relationship network of the first user, in the The partial credit relationship chain corresponding to the first user is extracted from the credit interaction relationship chain, and the partial credit relationship chain can be understood as the credit relationship between the credit relationship network of the users in the second user group and the first user A small credit interaction relationship chain formed by the network, that is, the partial credit relationship chain corresponding to the first user is a part of the credit interaction relationship chain; finally, the local credit relationship chain corresponding to the first user is determined The interactive credit evaluation result of the users in the second user group relative to the first user is sufficient, that is, the relative credit relationship of the users in the second user group is calculated according to the local credit relationship chain corresponding to the first user. The credibility score of the first user.
Furthermore, in the process of determining the interactive credit evaluation result of the users in the second user group relative to the first user through the partial credit relationship chain of the first user, the The user’s interaction indicators in each credit interaction dimension may have an impact on the interactive credit evaluation results. In one or more implementation manners of this embodiment, it is determined that the users in the second user group are relative to the first user. In the process of interactive credit evaluation results, the interactive target of each credit interaction dimension and the credit scores of users in the second user group will be combined to determine the specific implementation method as follows:
It is determined that the first user and the user in the second user group have an interactive credit interaction node pair in the partial credit relationship chain corresponding to the first user, and the credit of the user in the second user group Credit node corresponding to the points;
According to the credit scores of the users in the second user group corresponding to the credit nodes and the score weights corresponding to the credit nodes, and each credit interaction node’s pair of interaction targets in the corresponding credit interaction dimension corresponding to each credit interaction node The interaction weight calculates the credibility score of the interaction between the users in the second user group relative to the first user, and serves as the interactive credit evaluation result of the interactive credit evaluation.
Specifically, in the process of determining the interactive credit evaluation result of the users in the second user group relative to the first user according to the partial credit relationship chain corresponding to the first user, in order to make the interactive credit evaluation result sufficient Reflects the credibility of the users in the second user group, that is, the credibility score can fully reflect the credibility of the users in the second user group, which needs to be combined with the interaction target and the credit interaction dimension Credit scores are calculated, wherein the credit interaction dimension specifically refers to the interaction mode between the users in the second user group and the first user during the interaction process, and the interaction target under the credit interaction dimension is Refers to the value or quota involved in the interactive mode; for example, if user D transfers 1,000 yuan to user E, it means that the interactive target under the credit transfer dimension is 1,000;
It should be noted that when the users in the second user group have an interactive relationship with the first user, it indicates that there is a credit interaction node pair in the local credit relationship chain corresponding to the first user, and the The credit interaction node specifically refers to the node corresponding to the historical interactive information and credit information of the first user, and the node corresponding to the historical interactive information and credit information of the users in the second user group, and then the credit interaction corresponding to the first user is determined Nodes that are the same as the interaction node corresponding to the second user constitute the credit interaction node pair. For example, when user D transfers 1,000 yuan to user E, user D has a credit interaction node that transfers funds to user E , And user E has a credit interaction node that receives user D’s funds, user D’s credit interaction node and user E’s credit interaction node form a credit interaction node pair.
Based on this, in the case of determining the credit interaction node pair, it is also necessary to combine the credit points of each user in the second user group to be able to calculate the final credibility score. The credit node determines the weight of the points, and then calculates the relative weight of the users in the second user group relative to the first credit interaction node according to the interaction weight of each credit interaction node on the interaction target in the corresponding credit interaction dimension and each credit interaction node. A score for the credibility of the user's interaction.
Among them, when calculating the credibility score based on the point weight and credit score, as well as the interaction weight and the interaction target, the credit score and the point weight are multiplied, and the interaction target of each credit interaction dimension is multiplied by the corresponding interaction weight. , And finally the product result is summed as the credibility score of the users in the second user group.
For example, user F transfers 1,000 yuan to user G, user F and user H agree to finish running for 60 minutes, and user F borrows 6 books from user I. The calculation of user G, user H, and user I relative to user F In the process of credit scoring, user G’s credit score is 600 points, user H’s credit score is 500 points, and user I’s credit score is 700 points. Through the credit interaction node pair in the partial credit relationship chain corresponding to user F The interaction target for determining the transfer interaction dimension is 1000, the transfer interaction weight is 0.5, the interaction target for the time interaction dimension is 60, the time interaction weight is 0.4, the interaction target for the lease interaction dimension is 6, the lease interaction weight is 0.1, and the point weight is 0.4 According to the above content, the credibility score of user G is 600*0.4+1000*0.5=740, the credibility score of user H is 500*0.4+60*0.4=224, and the credibility score of user I is 700 *0.4+6*0.1=280.6.
By determining the partial credit relationship chain of the first user in the credit interaction relationship chain, determining the pair of credit interaction nodes that have an interactive relationship according to the partial credit relationship chain of the first user, and the second user group The credit node corresponding to the user's credit score realizes the combination of the user's credit score in the second user group and the determination of the interaction target under each credit interaction dimension. Compared with the first user's interactive credit evaluation result, different credit interactions are taken into consideration. The possible influence of the interactive target under the dimension on the interactive credit evaluation result, realizes the comprehensive credibility evaluation of the users in the second user group from all aspects, and uses the interactive credit evaluation result to score the credibility Quantifying the degree of credibility further improves the safety and efficiency of the first user in the social process.
During specific implementation, in the process of determining the interactive credit evaluation result for the users in the second user group relative to the first user, in order to be able to consider the influence of various factors on the interactive credit evaluation result, In one or more implementation manners of this embodiment, the influence of the interaction relationship between users in the second user group on the first user is also considered, and the specific implementation manner is as follows:
Extracting a partial credit relationship chain corresponding to the first user from the credit interaction relationship chain;
Detecting whether a user in a second user group that has an interactive relationship with the first user in the partial credit relationship chain corresponding to the first user has a secondary interactive relationship;
If yes, determine the secondary historical interactive information of users with secondary interactive relationships in the second user group;
Based on the partial credit relationship chain corresponding to the first user and the secondary historical interaction information, the credibility score of the user in the second user group interacting with the first user is calculated as the interaction Interactive credit evaluation results of credit evaluation.
Specifically, the secondary interaction relationship specifically refers to the interaction relationship existing between users in the second user group. Based on this, in the case of determining the local credit relationship chain corresponding to the first user, detecting all Whether the users in the second user group have the secondary interaction relationship, if not, indicating that there is no secondary interaction relationship, calculate the relative relationship of the users in the second user group according to the local credit relationship chain corresponding to the first user The credibility score of the first user is sufficient; if so, the credibility score of the interaction between the users in the second user group and the first user needs to be calculated in conjunction with the secondary interaction relationship.
In practical applications, when users in the second user group have the secondary interaction relationship, whether the interaction relationship is positive or negative, it may occur during the interaction of the first user. The influence of this factor may be combined with the existence of the secondary interaction relationship among the users in the second user group to calculate the credibility score.
Following the above example, user F and user G, user H, and user I have an interactive relationship, while user G and user H have a secondary interactive relationship. This first-level interactive relationship is that user G borrows 500 yuan from user H and presses At the time, the money was paid back. In the process of calculating the credibility score of user G and user H relative to user F, a certain numerical score will be added to the credibility score based on this level of interaction.
In the process of determining the interactive credit evaluation result of the users in the second user group relative to the first user, taking into account the possible secondary interaction relationships of the users in the second user group, the determined interaction is realized The accuracy of the credit evaluation results can fully reflect the credibility of the users in the second user group from the interactive credit evaluation results, which further improves the safety and efficiency of the first user in the social process.
In specific implementation, in the process of determining the interactive credit evaluation result of each user relative to another user, that is, in the process of calculating the credibility score of each user relative to another user, it may be calculated in advance in the background. In the case of receiving an interactive instruction submitted by any one of the multiple users, the user display list is directly generated by the credibility scores of other users relative to the interactive user. When submitting the interactive instruction, calculate the credibility scores of other users relative to the interactive user to generate the user display list. In practical applications, this calculation process is pre-calculated before the interactive user submits the interactive instruction. It is calculated in real time after the interactive instruction is submitted, and can be set in combination with actual application scenarios. This manual does not make any restrictions here.
In one or more implementation manners of this embodiment, whether before or after the interactive instruction is submitted, a user display list relative to the interactive user needs to be generated according to the interactive instruction. The specific implementation manner is as follows:
In the case of receiving an interactive instruction submitted by any interactive user among the multiple users through an interactive page in the terminal device, determine a credit user group that has an interactive relationship with the interactive user according to the interactive instruction;
The credit users in the credit user group are sorted according to the credibility score of each credit user in the credit user group, and a user display list is generated on the display page.
Specifically, the terminal device may be a mobile phone, a tablet computer, or a smart wearable device held by the user, and the interactive page specifically refers to that the user needs to interact through the application program that carries the interactive page when there is an interaction demand. The page can only enter the page where other users are selected for interaction; the credit user group specifically refers to a collection of users who have an interactive relationship with the interactive user; the display page specifically refers to the situation when the interactive user’s interactive needs are determined Next, a user display list will be generated according to the interactive instructions of the interactive user, and the bearer page of the user display list is the display page; the user display list specifically refers to users who have an interactive relationship with the interactive user List of components;
Based on this, in the case of receiving an interactive instruction submitted by any interactive user among the multiple users through the interactive page in the terminal device, it indicates that the interactive user needs to select at least one target user for interaction, and at this time The credit user group that has an interactive relationship with the interactive user is determined according to the interaction instruction, and then the credit users are sorted by the credibility score of each credit user in the credit user group, and the credit users are sorted on the display page Just generate the user display list in.
In practical applications, in the process of sorting according to the credibility scores of credit users, you can sort based on the credibility score from high to low, or from low to high. The specific sorting method can be combined with the actual The application scenario is set, and this manual does not make any restrictions here.
As shown in Figure 4, when the user needs to make an appointment, he needs to invite other users to run together for a 3-hour charity activity. At this time, the user can control the "Select Appointment Object" in the interactive page of the credit project shown in Figure 4 Click on the item to confirm that the user has submitted an interactive instruction. You need to select a user for an appointment to run for 3 hours. The platform that hosts the interactive page will generate a user display list according to the user's instruction for the user to choose.
Further, in the case of generating the user display list on the display page according to the interactive instruction submitted by the interactive user on the interactive page, in one or more implementation manners of this embodiment, when determining the user In the case of a display list, the user display list needs to be displayed to the user. The specific implementation is as follows:
Load the user display list to a display page according to the interactive instruction;
Displaying the user display list to the interactive user through the display page in the terminal device.
Specifically, according to the interactive instruction of the interactive user, the user display list needs to be loaded to the display page, and the user display list is displayed to the interactive user through the display page in the terminal device. can.
In specific implementation, while generating the user display list, in order to facilitate the user's selection of trusted users, a trusted user list and an untrusted user list can be generated according to the credibility score. One or more implementation manners of this embodiment In the process of generating the trusted user list and the untrusted user list based on the credibility score, the credibility score of each credit user in the credit user group will need to be compared with the threshold. The specific implementation is as follows :
Acquiring the credibility score of each credit user in the credit user group, and comparing the credibility score of each credit user with the first score threshold and the second score threshold;
Add the credit user corresponding to the credibility score greater than or equal to the first score threshold value to the trusted user list, and add the credit user corresponding to the credibility score less than or equal to the second score threshold value to the unavailable user list ；
The user display list is generated by loading the trusted user list to the trusted display template in the display page, and loading the untrusted user list to the untrusted display template in the display page.
Specifically, the first scoring threshold refers to the limit of credibility division for credit users, and the second scoring threshold refers to the limit of untrustworthiness for credit users;
Based on this, firstly obtain the credibility score of each credit user in the credit user group, and then compare the credibility score with the first score threshold and the second score threshold. If the credibility score of the credit user is greater than or equal to the first score threshold, it indicates that the credit user is credible, and the credit user is added to the list of trusted users; If the degree score is less than or equal to the first score threshold, it means that the credit user is untrusted, and the credit user is added to the list of untrusted users; and then the trusted user list is loaded into the list of untrusted users. The trusted display template in the display page is loaded, and the untrusted user list is loaded into the untrusted display template in the display page to generate the user display list.
In practical applications, the first scoring threshold and the second scoring threshold may be the same threshold or different thresholds. The first scoring threshold and the second scoring threshold are the same threshold. In the case of a limit value, the users in the credit user group will be divided into two groups, the credit user corresponding to the credibility score greater than or equal to the threshold value is determined to be a credible user, and the credibility score less than the threshold value corresponds to The credit user of is determined to be an untrusted user;
In the case that the first score threshold and the second score threshold are not the same threshold, the users in the credit user group will be divided into three groups, corresponding to the credibility scores greater than or equal to the first score threshold A credit user is determined to be a trusted user, a credit user corresponding to a credibility score less than or equal to the second score threshold is determined to be an untrustworthy user, and users who are less than the first score threshold and greater than the second score threshold belong to If the credibility is medium, and the user with a medium credibility is relatively random, it is sufficient if the user is not a trusted user that the interactive user can choose.
Further, when the user display list including the trusted user list and the untrusted user list is displayed to the interactive user, the interactive user may select a trusted user from the trusted user list to invite or send When an interactive user invites or makes an appointment with a trusted user in the untrusted user list, it will be intercepted to prevent the interactive user from being defrauded; however, in order to avoid interactive users, the user needs to be in the untrusted user list. In the case of the interaction of trusted users, the trusted users in the untrusted user list can be manually moved to the trusted user list, and the trusted users in the trusted user list can also be moved to the untrusted user list. The specific implementation is as follows:
Receiving a change instruction submitted by the interactive user for at least one target user in the trusted user list on the display page;
Move the at least one target user selected by the interactive user to the untrusted user list according to the change instruction, and update the trusted user list and the untrusted user list;
or,
Receiving a change instruction submitted by the interactive user for at least one target user in the untrusted user list on the display page;
The at least one target user selected by the interactive user is moved to the trusted user list according to the change instruction, and the untrusted user list and the trusted user list are updated.
Specifically, in the case of receiving a change instruction submitted by the interactive user for at least one target user in the trusted user list or untrusted user list on the display page, it is indicated that the user needs to move the at least one target user For the trusted user list or the untrusted user list, the at least one target user will be moved according to the change instruction, and the trusted user list and the untrusted user list will be updated based on the change instruction.
In actual applications, there are two control items in the list items on the display page, which correspond to the trusted user list and the untrusted user list, respectively. When the interactive user clicks on the control item corresponding to the trusted user list, The list of trusted users is displayed on the display page; when the interactive user clicks the control item corresponding to the list of untrusted users, the list of untrusted users will be displayed on the display page; and, when the change instruction is submitted , The submission method can be to slide left or right for at least one target user on the display page, and the change label will appear at the end of the slide. After clicking the change label, at least one target user can be moved to the trusted user list or the untrusted user list .
As shown in Figure 5(a), in the case that user J needs to select other users to invite, the credit user group will be determined according to the interactive information of user J, and the credibility score and score of the users in the credit user group will be determined. The limit is compared, the credit users in the credit user group are divided into trusted users and untrusted users, and the trusted users are added to the trusted user list, as shown in Figure 5(b), the untrusted users are added to A list of untrusted users, as shown in Figure 5(c);
When user J needs to move user K from the trusted user list to the untrusted user list, slide the list item corresponding to user K and click "mark as untrusted" to move user K to the untrusted user list .
In order to provide a richer experience for interactive users and make it easier to choose trusted users to establish interactive relationships, when generating the user display list, a trusted user list and an untrusted user can be generated based on the credibility score of the trusted user In addition, when the interactive user needs to establish an interactive relationship with users in the untrusted user list, the trusted user in the untrusted user list can be actively moved to the trusted user list, and further Rich operability of the interactive user.
In specific implementation, when an interactive user selects a credit user to make an appointment or an invitation through the display page, when the credit user's credibility score is displayed to the interactive user, the calculation will not be combined with the ongoing interaction status of the credit user The credibility score, and the credit score of the ongoing interaction state cannot be calculated. Taking into account the influence of this aspect, risk tags can be added to the credit users who are in the ongoing interaction state. One or more of this embodiment In one implementation, the process of adding risk labels is as follows:
By analyzing the interaction instruction, determine the first interaction type to which the interaction item corresponding to the interaction instruction belongs;
In the user display list, the second interaction type of the interactive item in which the credit user participates is selected in the user display list is the same as the first interaction type, and the credit user whose interaction state is in the process of interaction adds a risk tag;
The user display list carrying the risk tag is displayed to the interactive user through the display page in the terminal device.
Specifically, the interactive project specifically refers to a project in which an interactive user invites credit users to participate. The interactive project may be an interactive public welfare project, an interactive rental project, etc.; the first interaction type and the second interaction type specifically refer to The interactive user actively agrees to a credit user or actively makes an appointment with a credit user; wherein the interaction type of the actively agreeing credit user refers to actively participating in the interactive project of the credit user, and the interaction type of the actively making credit user refers to actively inviting the credit user Participate in interactive projects;
Based on this, after receiving the interactive instruction submitted by the interactive user, by analyzing the interactive instruction, it is determined that the interactive item corresponding to the interactive instruction belongs to the first interactive type. At this time, it will need to be displayed in the display The second interaction type of the interactive item selected by the credit user to participate in the list is the same as the first interaction type, and the credit user whose interaction state is in the process of interaction adds a risk tag, and finally sends a risk tag to the user through the display page in the terminal device. The interactive user only needs to display the user display list carrying the risk tag.
Following the above example, when user J submits an interactive instruction, through the analysis of the interactive instruction, it is determined that the interactive type of user J's interactive item belongs to the offer type, and select the same type and interactive state as the offer type in the user display list Credit users who are interacting in progress add risk tags to determine that the interactive project that user M and user N participate in is the contract type, and the interactive state is interactive in progress, then when user M and user N are displayed on the display page, in the corresponding The risk label "Risk Warning" is added to the list item, as shown in Figure 5(a).
By selecting the second interaction type to which the credit user participates in the interactive item is the same as the first interaction type, and adding a risk tag to the credit user whose interaction is in the interactive state, it is possible to show the interactive user the credit user with the same interaction type. There may be risks, which in turn serves as a warning to the interactive user, thereby ensuring the safety and effectiveness of the subsequent establishment of the interactive contract.
In specific implementation, after displaying the user display list in the display page to the interactive user, the interactive user may submit a selection instruction to select at least one target user in the user display list to invite or send In one or more implementations of this embodiment, only when the corresponding control item is triggered by a click instruction submitted by an interactive user, an invitation or an offer can be made. The specific implementation is as follows:
Receiving a click instruction submitted by the interactive user on the display page;
In the case that the click instruction triggers an appointment control item or an appointment control item of at least one target user in the user display list, the interactive user and the at least one target user are processed or agreed to deal with.
Specifically, the offer processing specifically refers to the interactive user actively inviting the at least one target user to participate in an interactive project initiated by the interactive user, and the appointment processing specifically refers to the interactive user actively participating in the at least one target User-initiated interactive projects;
Based on this, in the case of receiving the click instruction submitted by the interactive user in the display page, it indicates that the target user that the interactive user has determined is triggered when the click instruction triggers at least one of the user display lists In the case of the target user's appointment control item, the interactive user and the at least one target user are processed for the appointment, and the click instruction triggers the control of the appointment of at least one target user in the user display list In the case of items, the interactive user and the at least one target user are processed for making an appointment.
Further, the interactive user can also view the personal information of at least one target user in the display page, so that when deciding whether to make an appointment or accept an appointment with the at least one target user, one or more of the present embodiment In an embodiment, after receiving the click instruction submitted by the interactive user, if it is determined that the click instruction triggers the image identification of the at least one target user, the interactive user is shown the image of the at least one target user. Personal information, the specific implementation method is as follows:
Receiving a click instruction submitted by the interactive user on the display page;
In the case that the click instruction triggers the image identification of at least one target user in the user display list, the personal information of the at least one target user is displayed to the interactive user through the terminal device, and in the At least one target user’s personal information contains an offer control item or an appointment control item;
In the case of receiving a selection instruction submitted by the interactive user for the contract issuance control item or the contract request control item, the interactive user and the at least one target user are processed or accepted for the contract.
Specifically, receiving the click instruction submitted by the interactive user on the display page, and in the case that the click instruction triggers the image identification of at least one target user in the user display list, it is indicated that the interactive user needs to view the at least Personal information of a target user, the personal information of the at least one target user is displayed to the interactive user through the display page in the terminal device, and the personal information of the at least one target user includes contract control Item or contract control item;
Based on this, in the case of receiving a selection instruction submitted by the interactive user for the contract issuance control item or the contract request control item, the interactive user and the at least one target user are processed for the appointment process or It can be dealt with by appointment.
By setting an operable area corresponding to the personal information of the at least one target user on the display page (that is, the image mark of the at least one target user), it is realized that the interactive user can read the at least one target user by clicking the image mark The personal information of at least one target user can clearly understand the credit information of at least one target user through the personal information of the at least one target user, so that the interactive user can check the personal information of the target user and then check the target user’s personal information. Decide whether to process or respond to the contract, which further guarantees the safety and efficiency of the interactive behavior of interactive users.
Following the above example, referring to Figure 5(a), when user J submits a click instruction to user X, and confirms that the click instruction clicks on the blank area corresponding to user X, it means that the user X has been sent Contract, then user X and user J can be processed for subsequent appointments;
In the case where it is determined that the click instruction clicked on the image logo of user X, it means that user J needs to view the personal information of user X, and then the personal information of user X is displayed to user J. The personal information of user X is shown in Figure 6 , And when user J needs to make an appointment with user X, he can click the "initiate an appointment" control item in the personal information to make an appointment with user X.
The credit-based interactive credit evaluation method provided in this manual obtains the credit interactive relationship chain by connecting the credit relationship networks of users with interactive relationships, and determines the interactive credit evaluation results of each user based on the credit interactive relationship chain, and realizes In the process of user interaction, users can determine the credibility of other users through the results of interactive credit evaluation, thereby ensuring the efficiency of social activities established between users and users, and determining the user’s interactive credit evaluation In the process of results, in order to make the interactive credit evaluation results more truly reflect the user’s credibility, the credibility score is calculated as the interactive credit evaluation result by combining the user’s interactive targets and credit scores in each credit interaction dimension , It further guarantees the safety of users in the process of making or accepting appointments.
In the following, in conjunction with FIG. 7, the application of the credit-based interactive credit evaluation method provided in this specification in the contract issuance scenario is taken as an example to further illustrate the credit-based interactive credit evaluation method. 7 shows a processing flow chart of a credit-based interactive credit evaluation method applied to an appointment scenario according to an embodiment of the present specification. The specific steps include step 702 to step 722.
Step 702: Receive an interactive instruction submitted by the user U.
Specifically, user U initiates the 3-hour credit running project. At this time, user U needs to invite others to participate in the project. The 3-hour credit running project can start. User U clicks on the interactive page that initiates the 3-hour credit running project. The contract issuance control item in has submitted an interactive instruction.
Step 704: Obtain historical interactive information and credit information of the user U in each interactive dimension according to the interactive instruction.
Specifically, user U's historical interactive information includes transfer interactive information, car rental interactive information, and money borrowing interactive information; user U's credit information includes friend information and interactive project performance information.
Step 706: Based on the connection relationship between user U's credit information and historical interactive information, construct a credit relationship network composed of credit nodes corresponding to credit information and credit nodes corresponding to historical interactive information.
Step 708: Obtain a credit interaction relationship chain by connecting the credit relationship network of the user U and the credit relationship network of the user who has an interactive relationship with the user U.
Step 710: Determine a user group that has an interactive relationship with the user U in the credit interaction relationship chain.
Specifically, after obtaining the credit relationship chain, the credibility score of the user who has an interactive relationship with the user U relative to the user U is calculated based on the credit relationship chain, so that the user U can determine based on the credibility score during the selection process The credibility of each user.
Step 712: Extract the partial credit relationship chain corresponding to the user U from the credit interaction relationship chain.
Step 714: Determine the credit interaction node pair of the credit user in the user group that has an interactive relationship with the user U in the local credit relationship chain, and the credit node corresponding to the credit score of the credit user.
Step 716: Calculate the credibility score of the credit user relative to the user U based on the credit points and credit points corresponding to the credit node, and the interaction scale and interaction weight of the credit interaction node in the corresponding credit interaction dimension.
Specifically, it is determined that there are 100 credit users, and based on the credit score of each user and the interactive target in the credit interaction dimension, the credibility score of the 100 credit users relative to the user U is calculated.
Step 718: Add credit users whose credibility scores are greater than the first score threshold to the trusted user list, and add credit users whose credibility scores are less than or equal to the first score threshold to the untrusted user list.
Step 720: Load the list of trusted users and the list of untrusted users to the display page, and display to the user U through the terminal device.
Step 722: In the case where the user U submits a selection instruction for the credit user in the display list of the display page, the user U and the target user are processed for issuing an agreement according to the selection instruction.
The credit-based interactive credit evaluation method provided in this manual realizes that in the process of user interaction, users can determine the credibility of other users through credibility scores, thereby ensuring the establishment of The efficiency of social activities, and in the process of calculating the user’s credibility score, in order to make the credibility score more truly reflect the user’s credibility, by combining the user’s interaction targets and credit in each credit interaction dimension The points are used to calculate the credibility score, which further guarantees the safety of users in the process of issuing appointments.
Corresponding to the above method embodiments, this specification also provides an embodiment of a credit-based interactive credit evaluation device. FIG. 8 shows a schematic structural diagram of a credit-based interactive credit evaluation device provided by an embodiment of this specification. As shown in Figure 8, the device includes:
The obtaining module 802 is configured to obtain historical interactive information of multiple users in various interactive dimensions;
The construction module 804 is configured to construct a user's respective credit relationship network according to the historical interactive information and the credit information of the multiple users;
The connection module 806 is configured to connect the respective credit relationship networks of users with interactive relationships based on the historical interactive information of each user and the credit information of each user to obtain a credit interactive relationship chain;
The evaluation module 808 is configured to perform interactive credit evaluation on the user based on the partial credit relationship chain corresponding to the user having the interactive relationship in the credit interactive relationship chain.
In an optional embodiment, the credit relationship network for any one of the multiple users is constructed in the following manner:
Based on the connection relationship between the user’s credit information and the user’s historical interactive information, a comprehensive set of credit nodes corresponding to the user’s credit information and each credit node corresponding to the user’s historical interactive information is constructed. Describe the user’s credit relationship network.
In an optional embodiment, the connection module 806 includes:
The first determining unit is configured to determine users with interactive relationships based on the historical interactive information of each user and the credit information of each user, and obtain the respective credit relationship networks of the users with interactive relationship;
The constituent unit is configured to connect the credit nodes included in the respective credit relationship networks of users with interactive relationships according to their respective historical interactive information to obtain the credit interactive relationship composed of the credit relationship networks of users with interactive relationships chain.
In an optional embodiment, the evaluation module 808 includes:
A second determining unit configured to determine a second user group that has an interactive relationship with the first user in the credit interaction relationship chain;
The third determining unit is configured to determine the part corresponding to the first user in the credit interaction relationship chain based on the credit relationship network of the users in the second user group and the credit relationship network of the first user Credit relationship chain;
The first calculation unit is configured to calculate the credibility score of users in the second user group relative to the first user based on the partial credit relationship chain corresponding to the first user, as a means of performing the interactive credit evaluation Interactive credit evaluation results.
In an optional embodiment, the first calculation unit includes:
The first determining submodule is configured to determine the credit interaction node pairs that the first user and the user in the second user group have an interactive relationship in the local credit relationship chain corresponding to the first user, and The credit node corresponding to the credit score of the user in the second user group;
The first calculation sub-module is configured to calculate the credit points of users in the second user group corresponding to the credit node and the weight of the points corresponding to the credit node, and each credit interaction node pair in the corresponding credit interaction dimension The interaction weight corresponding to each credit interaction node of the interaction target is calculated, and the credibility score of the interaction of the users in the second user group relative to the first user is calculated as the interactive credit evaluation result of the interactive credit evaluation .
In an optional embodiment, the first calculation unit includes:
An extraction sub-module configured to extract a partial credit relationship chain corresponding to the first user from the credit interaction relationship chain;
The detection sub-module is configured to detect whether users in a second user group having an interactive relationship with the first user in the partial credit relationship chain corresponding to the first user have a secondary interactive relationship;
If yes, run the second certain sub-module;
The second determining sub-module is configured to determine the secondary historical interaction information of users with secondary interaction relationships in the second user group;
The second calculation sub-module is configured to calculate the interaction between the users in the second user group and the first user based on the partial credit relationship chain corresponding to the first user and the secondary historical interaction information The credibility score is used as the interactive credit evaluation result of the interactive credit evaluation.
In an optional embodiment, the credit-based interactive credit evaluation device further includes:
The determining module is configured to determine that there is an interactive relationship with the interactive user according to the interactive instruction in the case of receiving an interactive instruction submitted by any interactive user among the multiple users through an interactive page in the terminal device Credit user group;
The generation module is configured to sort the credit users in the credit user group according to the credibility score of each credit user in the credit user group, and generate a user display list on the display page.
In an optional embodiment, the credit-based interactive credit evaluation device further includes:
A loading module configured to load the user display list to a display page according to the interactive instruction;
The display module is configured to display the user display list to the interactive user through the display page in the terminal device.
In an optional embodiment, the display module includes:
The parsing unit is configured to determine the first interaction type to which the interactive item corresponding to the interactive instruction belongs by analyzing the interactive instruction;
The adding unit is configured to select, from the user display list, the second interaction type of the interactive item in which the credit user participates is the same as the first interaction type, and the credit user whose interaction state is in the process of interaction adds a risk tag;
The display unit is configured to display a user display list carrying the risk tag to the interactive user through the display page in the terminal device.
In an optional embodiment, the credit-based interactive credit evaluation device further includes:
The first receiving module is configured to receive the click instruction submitted by the interactive user in the display page;
The first processing module is configured to, in the case that the click instruction triggers at least one of the target user’s appointment control item or the offer control item in the user display list, to the interactive user and the at least one The target user conducts an appointment processing or an appointment processing.
In an optional embodiment, the credit-based interactive credit evaluation device further includes:
The second receiving module is configured to receive the click instruction submitted by the interactive user in the display page;
The personal information display module is configured to display the personal information of the at least one target user to all users through the terminal device when the click instruction triggers the image identification of at least one target user in the user display list. The interactive user displays, and the personal information of the at least one target user includes an offer control item or an appointment control item;
The second processing module is configured to send the interactive user to the at least one target user in the case of receiving a selection instruction submitted by the interactive user for the contract issuance control item or the contract response control item. Deal with or deal with by appointment.
In an optional embodiment, the generating a user display list on the display page includes:
Acquiring the credibility score of each credit user in the credit user group, and comparing the credibility score of each credit user with the first score threshold and the second score threshold;
Add the credit user corresponding to the credibility score greater than or equal to the first score threshold value to the trusted user list, and add the credit user corresponding to the credibility score less than or equal to the second score threshold value to the unavailable user list ；
The user display list is generated by loading the trusted user list to the trusted display template in the display page, and loading the untrusted user list to the untrusted display template in the display page.
In an optional embodiment, the credit-based interactive credit evaluation device further includes:
The third receiving module is configured to receive a change instruction submitted by the interactive user for at least one target user in the trusted user list in the display page;
The first update module is configured to move the at least one target user selected by the interactive user to the list of untrusted users according to the change instruction, and check the list of trusted users and the list of untrusted users The list is updated;
or,
A fourth receiving module, configured to receive a change instruction submitted by the interactive user for at least one target user in the list of untrusted users in the display page;
The second update module is configured to move the at least one target user selected by the interactive user to the trusted user list according to the change instruction, and to check the untrusted user list and the trusted user The list is updated.
The credit-based interactive credit evaluation device provided in this manual obtains a credit interactive relationship chain by connecting the credit relationship networks of users with interactive relationships, and determines the interactive credit evaluation results of each user based on the credit interactive relationship chain. In the process of user interaction, users can determine the credibility of other users through the results of interactive credit evaluation, thereby ensuring the efficiency of social activities established between users and determining the user’s interactive credit In the process of evaluating the results, in order to make the interactive credit evaluation results more truly reflect the user’s credibility, the credibility score is calculated as the interactive credit evaluation by combining the user’s interactive targets and credit scores in each credit interaction dimension As a result, the security of the user in the process of making or accepting an appointment is further guaranteed.
The foregoing is a schematic solution of a credit-based interactive credit evaluation device of this embodiment. It should be noted that the technical solution of the credit-based interactive credit evaluation device belongs to the same concept as the above-mentioned technical solution of the credit-based interactive credit evaluation method. The details of the technical solution of the credit-based interactive credit evaluation device are not described in detail. All can refer to the description of the technical solution of the credit-based interactive credit evaluation method above.
Fig. 9 shows a structural block diagram of a computing device 900 according to an embodiment of the present specification. The components of the computing device 900 include but are not limited to a memory 910 and a processor 920. The processor 920 and the memory 910 are connected through the bus 930, and the database 950 is used for storing data.
The computing device 900 also includes an access device 940 that enables the computing device 900 to communicate via one or more networks 960. Examples of these networks include public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), personal area network (PAN), or a combination of communication networks such as the Internet. The access device 940 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 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 this specification, the aforementioned components of the computing device 900 and other components not shown in FIG. 9 may also be connected to each other, for example, through a bus. It should be understood that the structural block diagram of the computing device shown in FIG. 9 is for illustrative purposes only, and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.
The computing device 900 can be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (for example, a tablet computer, a personal digital assistant, a laptop computer, a notebook computer, a small pen, etc.), a mobile phone (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 900 may also be a mobile or stationary server.
Wherein, the processor 920 is configured to execute the following computer executable instructions:
Obtain historical interactive information of multiple users in various interactive dimensions;
Construct a user's respective credit relationship network according to the historical interactive information and the credit information of the multiple users;
According to the historical interactive information of each user and the credit information of each user, the respective credit relationship networks of the users with interactive relationships are connected and processed to obtain the credit interactive relationship chain;
Perform interactive credit evaluation on the user based on the partial credit relationship chain corresponding to the user having the interactive relationship in the credit interactive relationship chain.
The foregoing is a schematic solution of a computing device of this embodiment. It should be noted that the technical solution of the computing device belongs to the same concept as the above-mentioned technical solution of the credit-based interactive credit evaluation method. For details of the technical solution of the computing device that are not described in detail, please refer to the above-mentioned credit-based interactive credit evaluation. Description of the technical solution of the method.
An embodiment of the present specification also provides a computer-readable storage medium that stores computer instructions, which are used when executed by a processor:
Obtain historical interactive information of multiple users in various interactive dimensions;
Construct a user's respective credit relationship network according to the historical interactive information and the credit information of the multiple users;
According to the historical interactive information of each user and the credit information of each user, the respective credit relationship networks of the users with interactive relationships are connected and processed to obtain the credit interactive relationship chain;
Perform interactive credit evaluation on the user based on the partial credit relationship chain corresponding to the user having the interactive relationship in the credit interactive relationship chain.
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 credit evaluation method mentioned above belong to the same concept. For details that are not described in detail in the technical solution of the storage medium, please refer to the above-mentioned credit-based interactive credit evaluation. Description of the technical solution of the method.
The foregoing describes specific embodiments of this specification. 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 results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.
The computer instructions include computer program codes, and the computer program codes may be in the form of source code, object code, executable files, or some intermediate forms. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, flash drive, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM, Read-Only) 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 this specification is not limited by the described sequence of actions. Because according to this specification, some steps can be performed in other order or at the same time. Secondly, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily all required by the specification.
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 this specification disclosed above are only used to help explain this specification. 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 this manual. This specification selects and specifically describes these embodiments in order to better explain the principles and practical applications of this specification, so that those skilled in the art can understand and use this specification well. This specification is only limited by the scope of the patent application and its full scope and equivalents.
