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, numerous specific details are set forth in order to provide a thorough understanding of this specification. However, this specification can be implemented in many other ways different from those described herein, and those skilled in the art can make similar promotions without departing from the connotation of this specification. Therefore, this specification is not limited by the specific implementation disclosed below. The terminology used in one or more embodiments of this specification is for the purpose of describing a particular embodiment only and is not intended to limit the one or more embodiments of this specification. As used in this specification and in one or more embodiments and the appended claims, the singular forms "a," "the," and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise. It will also be understood that the term "and/or" as used in this specification in one or more embodiments refers to and includes any and all possible combinations of one or more of the 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, such information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, an object could be termed a second, and similarly, a second could be termed an object, without departing from the scope of one or more embodiments of this specification. Depending on the context, the word "if" as used herein can be interpreted as "at the time of" or "when" or "in response to determining." First, the terminology involved in one or more embodiments of the present specification is explained. Credibility score: evaluate the user's credit based on the user's credit behavior, and combine the user's history with the user and the frequency of ongoing interactions to make a comprehensive evaluation result, and quantify the user's credit relationship network according to the evaluation results. The result score of the trustworthiness of other users in the . Interaction relationship: After quantifying the credibility of users in the credit relationship network with the credibility score, after realizing the reorganization of each user's credit relationship network into two groups, the trusted relationship and the untrustworthy relationship, which are collectively referred to as the interaction relationship . Credit relationship network: a relationship network based on interactive relationship and combined with the user's credit information and interactive information. Credit interaction relationship chain: When multiple credit relationship networks are intertwined, the relationship chain is formed by the interaction relationship of a single or multiple users and the credit nodes corresponding to the credit information. In this specification, a credit-based interactive credit assessment method is provided, and the present specification also relates to a credit-based interactive credit assessment device, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments one by one. illustrate. FIG. 1 shows a flowchart of a credit-based interactive credit evaluation method provided according to an embodiment of the present specification, including steps 102 to 108 . Step 102: Acquire historical interaction information of multiple users in each interaction dimension. Each interaction dimension mentioned in an embodiment of this specification specifically refers to a dimension corresponding to any interactive relationship with the user, and the interaction dimension includes a transfer dimension, a loan dimension, a credit dimension, etc. The historical interaction information in the transfer dimension is specifically Refers to the interaction information with transfer records between users, the historical interaction information in the borrowing dimension specifically refers to the interaction information with loan records between users and users, and the historical interaction information in the credit dimension specifically refers to users and users Interactive information on establishing credit contracts and completing credit contracts. It should be noted that the interactive relationship between users generally refers to the relationship generated by online interaction. No matter what the online interaction method is, there will be interactive information, which can be used to establish a credit relationship network for each user in the future. During the specific implementation, when the interactive user has a demand for contract issuance or invitation, other users need to be invited to make a contract or an invitation, and at this time, the interactive user needs to select the contract issued by 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 high credibility, and then realize contract issuance or contract-response processing. It can be seen that , in the process that the interactive user selects other users to issue or invite, the credibility of other users relative to the interactive user determines the possibility of being issued or invited. In the credit-based interactive credit evaluation method provided in this manual, in order to realize the interaction between users and users, the credibility of other users can be directly displayed to each user, and users can be constructed through interactive information and credit information of each user. The respective credit relationship networks are obtained by connecting 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. In the process of interaction, users can determine the credibility of other users through the interactive credit evaluation results, thus ensuring the efficiency of the social behavior established between users and users, and can intuitively show the credibility of other users. It further ensures the security and authenticity of social behaviors established between users. In practical applications, the historical interaction information of the multiple users in each interaction dimension refers to the information generated by the user interacting with other users on the credit platform, which is called the historical interaction information, and as long as there is an interaction process on the credit platform, It can be determined that there is an interactive relationship between users. Step 104 : Constructing the user's respective credit relationship network according to the historical interaction information and the credit information of the multiple users. Specifically, on the basis of acquiring the respective historical interaction information of multiple users, a respective credit relationship network corresponding to each user will be constructed according to the historical interaction information and the multiple users' credit information, wherein the Credit information specifically refers to the credit relationship between the user and the user. For example, the credit account of user A and user B in the credit platform is a friend relationship, then user B is the credit account of user A. The friend is the credit information of user A; Based on this, a corresponding credit relationship network is constructed according to the respective historical interaction information and credit information corresponding to each user. network of relationships. Further, in the process of constructing the credit relationship network corresponding to each user, in order to realize that the credit relationship network of the framework is sufficiently complete, in one or more implementations of this embodiment, the credit information of the user and the historical interaction information will be used to correspond to each other. The credit relationship network is composed of the nodes of the user interface, and the specific implementation method is as follows: The user's credit relationship network composed of each credit node corresponding to the user's historical interactive information. Specifically, the network is composed of nodes and connecting lines in an intertwined manner. In this embodiment, the user's credit information and the historical interaction 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 user's historical interaction information is used as a connection line in the credit relationship network, and the user's credit relationship network can be formed based on the credit node and the connection line. In practical applications, users with credit accounts in the credit platform will establish their corresponding credit relationship networks according to the above method, and different users have different credit relationship networks. Referring to Figure 2, there are user A, user B, and user C, wherein the historical interaction information of user A and user B is that user A borrowed 1,000 yuan from user B, and it is determined that user C is user A according to the credit information of user A Friends of user A, establish user A's credit relationship network according to user A's credit information history interactive information, as shown in Figure 2. By connecting the nodes corresponding to the user's credit information and historical interaction information to form the credit relationship network in the process of establishing the user's corresponding credit relationship network, the credit relationship network established for the user is sufficient. Perfect, in the subsequent process of the user interacting with other users, the options are more abundant. Step 106 : According to the historical interaction information of each user and the credit information of each user, connect and process the respective credit relationship networks of the users with the interaction relationship to obtain a credit interaction relationship chain. Specifically, on the basis of establishing their respective credit relationship networks for each user, further, a credit interaction relationship chain will be established based on the credit relationship network of each user; In this case, user B and user C also have their own corresponding credit relationship networks, and both user B and user C have an interactive relationship with user A, then it can be determined that user A's credit relationship network, user B's credit relationship network, and user The credit relationship networks of C are related. At this time, the corresponding credit relationship networks of user A, user B and user C can be connected to generate a credit interaction relationship chain, as shown in Figure 3; in this chain can directly determine the corresponding interaction relationship of user A, user B and user C; based on this, in the process of obtaining the credit interaction chain, the credit relationship network corresponding to each user with the interaction relationship can be based on the described credit relationship network. The credit information and historical interaction information of the users in the interaction relationship are connected and processed to obtain the credit interaction 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 to use, in one or more implementations of this embodiment, there will be interactive The credit nodes in the respective credit relationship networks of the users with the relationship are connected to generate the credit interaction relationship chain. Obtain the respective credit relationship networks of users with interactive relationships; connect the credit nodes contained in the respective credit relationship networks of users with interactive relationships according to the users' respective historical interactive information, and obtain the credit relationship network composed of users with interactive relationships of the credit interaction chain. Specifically, first, according to the historical interaction information of each user and the credit information of each user, users with an interactive relationship are determined, and the interaction relationship can be a friend relationship, a credit relationship, and a transfer relationship between the user and the user. At this time, it can be determined that the same credit nodes exist in the respective credit relationship networks of the users with the interaction relationship, and finally the credit nodes included 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 corresponding credit relationship networks of users with interactive relationships are large enough, in the process of connecting the credit relationship networks, all the credit relationship networks can be connected to form the credit interaction relationship chain. The obtained credit interaction relationship chain may include the credit relationship network corresponding to all users. By establishing the credit interaction relationship chain, in the subsequent process of evaluating each user's interactive credit, it is realized that the interactive credit evaluation result between users is unique, for example, user A is relative to user A. The interactive credit evaluation result of B is a credibility score of 1900 points, while the interactive credit evaluation result of user A relative to user C is a credibility score of 1800 points, which means that users are safer and more reliable in the process of establishing social behaviors. Step 108: Perform an interactive credit evaluation on the user based on the local 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 interaction relationship chain, further, according to the local credit relationship chain corresponding to the user with the interaction relationship in the credit interaction relationship chain, the user's respective interaction credits are evaluated, and then each user's interaction credit is obtained. The user's interactive credit evaluation result. The interactive credit evaluation result can be expressed by the credibility score. The credibility score can intuitively represent the user's credibility. The higher the user's credibility score, the more reliable the user is. The higher the value, the lower the user's credibility score, the lower the credibility of the user; based on this, the local credit relationship chain corresponding to the user with the interaction relationship is used to calculate the credibility score. During the process, the credibility scores of other users relative to one user will be calculated based on the local credit relationship chain. 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 interactive behavior, and the credibility score will also be correlated with other users' creditworthiness scores. Behaviors are related to credit points, etc., so that 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 by the credibility score, that is, the credibility score of other users relative to one user. As a result, in one or more implementations of this embodiment, it will be necessary to determine a second user group that has an interactive relationship with the first user, and determine the relative relationship between the users in the second user group and the first user. The interactive credit evaluation result, that is, calculating the credibility score of the users in the second user group relative to the first user, which 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: determining a second user group in the credit interaction relationship chain that has an interactive relationship with the first user; based on the credit relationship network of the users in the second user group and the credit relationship network of the first user, determining a local credit relationship chain corresponding to the first user in the credit interaction relationship chain; calculating the relative relationship between the users in the second user group to the first user based on the local credit relationship chain corresponding to the first user Credibility score, as the interactive credit evaluation result of the interactive credit evaluation. Specifically, the second user group specifically refers to a set composed 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 first user. 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 user in the second user group relative to the first user, which is not limited in this specification. Based on this, it is first necessary to determine a 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 local credit relationship chain corresponding to the first user is extracted from the credit interaction relationship chain, and the local credit relationship chain can be understood as being composed of the credit relationship network of the users in the second user group and the credit relationship of the first user A small credit interaction relationship chain formed by the network, that is, the local 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 results of the interactive credit evaluation of the users in the second user group relative to the first user only need to be calculated, that is, according to the local credit relationship chain corresponding to the first user, the users in the second user group are calculated relative to the first user. The credibility score of the first user. Further, in the process of determining the interactive credit evaluation results of the users in the second user group relative to the first user through the local credit relationship chain of the first user, the user in the second user group is considered. The user's interaction target in each credit interaction dimension may have an impact on the interactive credit evaluation result. In one or more implementations of this embodiment, when determining that the users in the second user group are relative to the first user In the process of the interactive credit evaluation result of the user, the interaction target of each credit interaction dimension and the credit points of the users in the second user group will be determined. The specific implementation method is as follows: Determine the first user and the second user group The users in the first user group have a credit interaction node pair with an interactive relationship in the local credit relationship chain corresponding to the first user, and the credit nodes corresponding to the credit points of the users in the second user group; according to the corresponding credit nodes The credit points of the users in the second user group and the point weights corresponding to the credit nodes, and the interaction weights of each credit interaction node for the interaction target under the corresponding credit interaction dimension and each credit interaction node are calculated. The credibility score of the interaction performed by the users in the two user groups relative to the first user is used 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 local credit relationship chain corresponding to the first user, in order to enable the interactive credit evaluation result to be sufficient It 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. Credit points are calculated, wherein the credit interaction dimension specifically refers to the interaction method 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 amount 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 the second user group In the case where the user in the first user has an interactive relationship with the first user, it means that there is a credit interaction node pair in the local credit relationship chain corresponding to the first user, and the credit interaction node specifically refers to the history of the first user. Nodes corresponding to interaction information and credit information, and nodes corresponding to historical interaction information and credit information of users in the second user group, then determine that the credit interaction node corresponding to the first user and the interaction node corresponding to the second user are the same. The nodes form the credit interaction node pair. For example, in the case that user D transfers 1,000 yuan to user E, then user D has a credit interaction node that transfers funds to user E, and user E has credit to receive funds from user D. Interactive nodes, the credit interactive node of user D and the credit interactive node of user E constitute a credit interactive 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 calculate the final credibility score. The credit node determines the point weight, and then calculates the user in the second user group relative to the first user group according to the interaction weight of each credit interaction node on the interaction target under the corresponding credit interaction dimension and each credit interaction node. A trustworthiness score for a user to interact with. Among them, when calculating the credibility score based on the point weight and credit points, as well as the interaction weight and the interaction target, the credit points and the point weight are multiplied, and the interaction target of each credit interaction dimension is multiplied with the corresponding interaction weight. , and finally sum the product results as the credibility scores 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. When calculating the availability of user G, user H, and user I relative to user F In the process of credit scoring, the credit score of user G is 600 points, the credit score of user H is 500 points, and the credit score of user I is 700 points. Determine the interaction target of the transfer interaction dimension is 1000, the transfer interaction weight is 0.5, the interaction target of the time interaction dimension is 60, the time interaction weight is 0.4, the interaction target of the rental interaction dimension is 6, the rental interaction weight is 0.1, and the points weight is 0.4 , according to the above content, the credibility score of user G is calculated as 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 local credit relationship chain of the first user in the credit interaction relationship chain, determining the credit interaction node pair with the interaction relationship according to the local credit relationship chain of the first user, and the second user group in the credit interaction node pair. 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 relative to the interactive credit evaluation result of the first user, taking into account different credit interactions. The possible influence of the interactive target under the dimension on the interactive credit evaluation result realizes the comprehensive evaluation of the credibility of the users in the second user group from all aspects, and through the interactive credit evaluation results, the credibility is scored. Quantifying the degree of credibility further improves the security and efficiency of the first user in the social process. During specific implementation, in the process of determining the interactive credit evaluation result relative to the first user for the users in the second user group, in order to be able to consider the influence of various factors on the interactive credit evaluation result, In one or more implementations 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 is as follows: In the credit interaction relationship chain extracting a local credit relationship chain corresponding to the first user; detecting whether a user in a second user group that has an interactive relationship with the first user in the local credit relationship chain corresponding to the first user has a secondary interactive relationship; If yes, determine the secondary historical interaction information of users in the second user group who have secondary interaction relationships; calculate the second user based on the local credit relationship chain corresponding to the first user and the secondary historical interaction information The credibility score of the interaction of the users in the group relative to the first user is used as the interactive credit evaluation result of the interactive credit evaluation. Specifically, the secondary interaction relationship specifically refers to the interaction relationship existing between the users in the second user group. Based on this, in the case of determining the local credit relationship chain corresponding to the first user, detect all Whether the users in the second user group have the secondary interaction relationship, if not, it means that there is no secondary interaction relationship, then calculate the relative relationship between 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 of the users in the second user group with respect to the first user needs to be calculated in combination with the secondary interaction relationship. In practical applications, when the users in the second user group have the secondary interaction relationship, no matter whether the interaction relationship is positive or negative, it may occur in the interaction process of the first user, considering that Influenced by this factor, the credibility score can be calculated in combination with the existence of the secondary interaction relationship among users in the second user group. Following the above example, user F has an interaction relationship with user G, user H, and user I, while user G and user H have a secondary interaction relationship. This secondary interaction relationship is that user G borrows 500 yuan from user H and presses In the process of calculating the credibility scores of user G and user H relative to user F, a certain value will be added to the credibility score in combination with this level of interaction. In the process of determining the interactive credit evaluation results 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, determining the interaction is achieved 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 security 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 interactively submitted by any one of the multiple users, directly generating the user display list based on 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 still calculated in real time after the interactive instruction is submitted, which can be set in combination with the actual application scenario, and this specification does not make any limitation here. In one or more implementations of this embodiment, before or after the interactive instruction is submitted, a user presentation list relative to the interactive user needs to be generated according to the interactive instruction, and the specific implementation is as follows: In the case of 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; according to the credit The credibility score of each credit user in the user group sorts the credit users in the credit user group, and generates a user display list 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 with the application that carries the interactive page when there is an interactive demand. Only the page can enter the page where other users are selected for interaction; the credit user group specifically refers to a set of users who have an interactive relationship with the interactive user; the display page specifically refers to the situation in which the interaction needs of the interactive user are determined. The user display list will be generated according to the interactive instructions of the interactive user, and the bearing page of the user display list is the display page; the user display list specifically refers to the users who have an interactive relationship with the interactive user. 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 is indicated that the interactive user needs to select at least one target user to interact with , and at this time, the credit user group that has an interactive relationship with the interactive user will be determined according to the interactive instruction, and then the credit users will be sorted according to the credibility scores of each credit user in the credit user group. The user display list may be generated in the display page. In practical applications, in the process of sorting according to the credibility scores of credit users, the ranking can be based on the order of the credibility scores from high to low, or the order from low to high. The specific sorting method can be combined with the actual situation. This manual does not make any limitations here. Referring to Figure 4, the user needs to invite other users to participate in the public welfare activity of running for 3 hours in the case of making a contract. At this time, the user can control the "Select contract object" in the interactive page of the credit project shown in Figure 4. At this point, it can be determined that the user has submitted an interactive instruction, and a user needs to be selected to run for 3 hours. The platform hosting 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 the interactive instruction submitted by the interactive user on the interactive page, the user display list is generated on the display page. In one or more implementations of this embodiment, when determining the user In the case of the display list, the user display list needs to be displayed to the user, and the specific implementation method is as follows: according to the interactive instruction, load the user display list to the display page; The presentation page presents the user presentation list to the interactive user. Specifically, according to the interactive instruction of the interactive user, the user display list needs to be loaded into 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 credit users, a list of trusted users and a list of untrusted users may be generated according to the credibility score. One or more implementations of this embodiment In the process of generating a list of trusted users and a list of untrusted users according to the credibility score, the credibility score of each credit user in the credit user group needs to be compared with the threshold value, and the specific implementation method is as follows : obtain the credibility score of each credit user in the credit user group, and compare the credibility score of each credit user with the first score threshold value and the second score threshold value; A credit user corresponding to a credibility score of a scoring threshold value is added to the list of trusted users, and credit users corresponding to a credibility score less than or equal to a second scoring threshold value are added to the list of unavailable users; The trusted user list is loaded into the trusted display template on the display page, and the untrusted user list is loaded into the untrusted display template on the display page to generate the user display list. Specifically, the first score threshold value refers to the limit for classifying the credibility of credit users, and the second score threshold value refers to the limit for unreliability classification for credit users; based on this, it is preferred to obtain The credibility score of each credit user in the credit user group, and then compare the credibility score with the first score threshold value and the second score threshold value. In the case where the degree score is greater than or equal to the first score threshold value, it indicates that the credit user is credible, and the credit user is added to the list of trusted users; when the credibility score of the credit user is less than or equal to all In the case of the first score threshold value, it means that the credit user is untrustworthy, and the credit user is added to the untrusted user list; The untrusted user list is loaded into the untrusted display template on the display page, and the user display list can be generated. In practical applications, the first score threshold value and the second score threshold value may be the same threshold value or different threshold values, and the first score threshold value and the second score threshold value are the same threshold value. In the case of the limit value, the users in the credit user group will be divided into two groups, the credit users corresponding to the credibility score greater than or equal to the threshold value are determined as trusted users, and the credibility score less than the threshold value corresponds to The credit users are determined to be untrustworthy users; in the case that the first score threshold value and the second score threshold value are not the same threshold value, the users in the credit user group will be divided into three groups, which are greater than or equal to the first score threshold value. The credit user corresponding to the credibility score of the limit value is determined to be a trusted user, and the credit user corresponding to the credibility score less than or equal to the second score threshold value is determined to be an untrustworthy user, and is less than the first score threshold value and greater than or equal to the first score threshold value. The users with the second score threshold value belong to the middle level of credibility, and the users with the middle level of credibility are compared with randomness and will not be considered as the credit users that the interactive user can select. Further, in the case where the user display list including the trusted user list and the untrusted user list is displayed to the interactive user, the interactive user can select a trusted user from the trusted user list to invite or send an invitation. When an interactive user invites or issues an appointment with a trusted user in the untrusted user list, it will be intercepted to prevent the interactive user from being defrauded; In the case of interaction with trusted users, you can manually move the trusted users in the untrusted user list to the trusted user list, and you can also move the trusted users in the trusted user list to the untrusted user list. The specific implementation methods are as follows: Receive A modification instruction submitted by the interactive user for at least one target user in the trusted user list in the display page; according to the modification instruction, the at least one target user selected by the interactive user is moved to the untrusted user user list, and update the trusted user list and the untrusted user list; or, receive a modification 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 where a change instruction submitted by the interactive user for at least one target user in the trusted user list or the untrusted user list in the display page is received, it indicates that the user needs to move the at least one target user. To 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 practical applications, there are two control items in the list items on the display page, corresponding to the list of trusted users and the list of untrusted users respectively. When the interactive user clicks the control item corresponding to the list of trusted users, the Display the list of trusted users on the display page; when the interactive user clicks on the control item corresponding to the list of untrusted users, the list of untrusted users will be displayed on the display page; and, when submitting the change instruction , the submission method can be to swipe left or right for at least one target user on the display page, and a change label will appear at the end of the swipe. After clicking the change label, at least one target user can be moved to the list of trusted users or the list of untrusted users . Referring to Fig. 5(a), in the case where user J needs to select other users to make an invitation, the credit user group will be determined according to the interactive information of user J. Compare the limit values, divide the credit users in the credit user group into trusted users and untrusted users, and add the trusted users to the list of trusted users, as shown in Figure 5(b), add the untrusted users to the list of trusted users. The list of untrusted users is shown in Figure 5(c); when user J needs to move user K in the list of trusted users to the list of untrusted users, he will slide the list item corresponding to user K, and click "Mark as untrusted". Trust", user K can be moved to the list of untrusted users. In order to provide interactive users with richer experience effects, and to more conveniently select credit users to establish interactive relationships, when generating the user display list, a list of trusted users and untrusted users can be generated based on the credibility scores of credit users list, and when the interactive user needs to establish an interactive relationship with the 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 Enrich the operability of the interactive user. During the specific implementation, when the interactive user selects the credit user to issue or invite the credit user through the display page, when the credit user's credibility score is displayed to the interactive user, the calculation will not be performed in combination with the ongoing interaction state of the credit user. The credibility score, and the credit score of the ongoing interaction state cannot be calculated. Considering the influence of this aspect, a risk tag can be added to the credit user whose interaction state is in progress. One or more of the In one embodiment, the process of adding a risk tag is as follows: by analyzing the interaction instruction, determine the first interaction type to which the interaction item corresponding to the interaction instruction belongs; and select the interaction in which the credit user participates in the user display list The second interaction type to which the item belongs is the same as the first interaction type, and the credit user whose interaction state is in the interaction state adds a risk tag; A list of user exposures for the risk tag. Specifically, the interactive project specifically refers to a project in which the interactive user invites credit users to participate, and 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 contract a credit user or actively issues a credit user; wherein, the interaction type of the active contract credit user refers to actively participating in the interactive project of the credit user, and the interaction type of the active contract credit user refers to actively inviting the credit user. Participate in an interactive item; based on this, after receiving the interactive instruction submitted by the interactive user, the first interactive type to which the interactive item corresponding to the interactive instruction belongs is determined by analyzing the interactive instruction. In the display list, the second interaction type to which the interactive item that the credited user participates in is selected is the same as the first interaction type, and the credited user whose interaction status is in the interactive state adds a risk tag, and finally through all the interactive items in the terminal device The display page only needs to display the user display list carrying the risk tag to the interactive user. Following the above example, in the case where user J submits an interactive instruction, by analyzing the interactive instruction, it is determined that the interaction type to which the interactive item of user J belongs is the contract issuance type, and in the user display list, select the same interactive state as the contract issuance type. The credit user who is in the process of interaction adds a risk tag, and determines that the interactive project that user M and user N participate in is the contract issuance type, and the interaction state is the interaction in progress, then when the display page displays user M and user N, in the corresponding Add the risk label "Risk Alert" to the list item, as shown in Figure 5(a). By selecting a credit user whose second interaction type is the same as the first interaction type and whose interaction status is in-progress, a risk label is added to the credit user participating in the interactive project, so that credit users with the same interaction type can be displayed to the interactive user. There may be risks, which in turn serve as a warning to the interactive user, thereby ensuring the security and effectiveness of the subsequent establishment of the interactive contract. During specific implementation, after the user display list in the display page is displayed 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, an invitation or an appointment can be made only when the click instruction submitted by the interactive user triggers the corresponding control item, and the specific implementation is as follows: The click instruction submitted in the display page; in the case that the click instruction triggers the contract-response control item or the contract-issuing control item of at least one target user in the user display list, the interaction between the interactive user and the at least one target user is The user performs the contract processing or the contract processing. Specifically, the contract issuing process specifically refers to that the interactive user actively invites the at least one target user to participate in the interactive project initiated by the interactive user, and the contract acceptance process refers specifically to the interactive user actively participating in the at least one target user An interactive item initiated by a user; based on this, in the case of receiving a click instruction submitted by the interactive user on the display page, specify the target user that the interactive user has determined, and when the click instruction triggers the user In the case of displaying the appointment control item of at least one target user in the list, the interactive user and the at least one target user are subjected to the appointment process, and the click instruction triggers the user to display at least one in the list. In the case of the contract issuing control item of the target user, the contract issuing process is performed on the interactive user and the at least one target user. Further, the interactive user can also view the personal information of at least one target user on the display page, so as to decide whether to issue or accept an appointment with the at least one target user, one or more of the In an implementation manner, after receiving the click instruction submitted by the interactive user, it is determined that the click instruction triggers the image identification of the at least one target user, displaying the at least one target user's image identifier to the interactive user. Personal information, the specific implementation methods are as follows: Receive 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 The personal information of the at least one target user is displayed to the interactive user through the terminal device, and the personal information of the at least one target user includes a contract-issuing control item or a contract-receiving control item; after receiving the interactive user In the case of a selection instruction submitted for the contract issuing control item or the contract requesting control item, the interactive user and the at least one target user are subjected to contract issuing processing or contract receiving processing. Specifically, a click instruction submitted by the interactive user on the display page is received, and in the case that the click instruction triggers the image identification of at least one target user in the user display list, it indicates that the interactive user needs to view the at least one target user. One target user personal information, 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 issuing control item or contract-receiving control item; based on this, in the case of receiving a selection instruction submitted by the interactive user for the contract-issuing control item or the contract-requiring control item, the interaction between the interactive user and the at least one The target user can make an appointment or deal with an appointment. By setting an operable area corresponding to the personal information of the at least one target user (that is, the image identification of the at least one target user) in the display page, it is realized that the interactive user can read the at least one target user by clicking the image identification. The personal information of the 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 in the process of the interactive user issuing or accepting the contract, you can view the target user's personal information It decides whether to issue a contract or deal with it, which further guarantees the safety and efficiency of the interactive behavior of the interactive users. Following the above example, as shown in Figure 5(a), in the case where user J submits a click instruction for user X, and it is determined that the click instruction clicks on the blank area corresponding to user X, it means that a message is sent to user X. If it is determined that the click command clicks on the image logo of user X, it means that user J needs to view the personal information of user X, then the user X’s The personal information is displayed to user J, and the personal information of user X is shown in Figure 6, and when user J needs to make a contract with user X, he can click the "Initiate contract" control item in the personal information to realize the user X makes an appointment. The credit-based interactive credit evaluation method provided in this specification 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 interaction between users, users can determine the credibility of other users through the interactive credit evaluation results, so as to ensure the efficiency of social activities established between users and users. In the process of the result, in order to make the interactive credit evaluation result more truly reflect the user's credibility, the credibility score is calculated by combining the user's interactive objects and credit points in each credit interaction dimension as the interactive credit evaluation result. , which further guarantees the security of users in the process of issuing or contracting. The following will further illustrate the credit-based interactive credit evaluation method by taking the application of the credit-based interactive credit evaluation method provided in this specification in a contract issuing scenario as an example with reference to FIG. 7 . 7 shows a processing flow chart of a credit-based interactive credit evaluation method applied to a contract issuance scenario provided by an embodiment of the present specification, and the specific steps include steps 702 to 722 . Step 702: Receive the interactive instruction submitted by the user U. Specifically, the user U initiates the 3-hour credit running project. At this time, the user U needs to invite others to participate in the project, and the 3-hour credit running project can start. User U clicks on the interactive page of the 3-hour credit running project. The contract issue control in submitted an interactive command. Step 704: Acquire historical interaction information and credit information of the user U in each interaction dimension according to the interaction instruction. Specifically, user U's historical interaction information includes transfer interaction information, car rental interaction information, and loan interaction information; user U's credit information includes friend information and interactive project performance information. Step 706: Based on the communication relationship between the credit information of the user U and the historical interaction information, construct a credit relationship network composed of credit nodes corresponding to the credit information and credit nodes corresponding to the historical interaction information. Step 708 : Obtain a credit interaction chain by connecting the credit relationship network of the user U and the credit relationship network of the users who have an interactive relationship with the user U. Step 710: Determine the user group that has an interaction relationship with the user U in the credit interaction relationship chain. Specifically, after the credit relationship chain is obtained, the credibility score of the user who has an interactive relationship with the user U relative to the user U will be calculated based on the credit relationship chain, so that the user U can determine based on the credibility score during the selection process. The trustworthiness of each user. Step 712: Extract the local credit relationship chain corresponding to the user U in 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 according to the point weight and credit point corresponding to the credit node, and the interaction scale and interaction weight of the credit interaction node pair under the corresponding credit interaction dimension. Specifically, it is determined that there are 100 credit users, and based on the credit points of each user and the interaction target under the credit interaction dimension, the credibility scores of these 100 credit users relative to user U are calculated respectively. Step 718: Add credit users whose reliability scores are greater than the first score threshold value to the list of trusted users, and add credit users whose reliability scores are less than or equal to the first score threshold value to the list of untrustworthy users. 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 that the user U submits a selection instruction for the credited users in the display list of the display page, perform contract issuing processing between the user U and the target user according to the selection instruction. The credit-based interactive credit evaluation method provided in this manual realizes that in the process of interaction between users, users can determine the credibility of other users through credibility scores, thus ensuring the establishment of trust between users. 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 target and credit in each credit interaction dimension Points are used to calculate the credibility score, which further guarantees the security of users in the process of contract issuance. Corresponding to the above method embodiments, the present specification also provides an embodiment of a credit-based interactive credit assessment apparatus. FIG. 8 shows a schematic structural diagram of a credit-based interactive credit assessment apparatus provided by an embodiment of the present specification. As shown in FIG. 8 , the apparatus includes: an acquisition module 802, configured to acquire historical interaction information of multiple users in various interaction dimensions; a construction module 804, configured to acquire the historical interaction information and the plurality of The credit information of the users respectively constructs their respective credit relationship networks; the connection module 806 is configured to connect and process the respective credit relationship networks of the users with interactive relationships according to the historical interaction information of each user and the credit information of each user, Obtaining a credit interaction relationship chain; The evaluation module 808 is configured to perform an interactive credit evaluation on the user based on the partial credit relationship chain corresponding to the user with the interaction relationship in the credit interaction relationship chain. In an optional embodiment, the credit relationship network of any one of the multiple users is constructed in the following manner: Based on the communication relationship between the credit information of the user and the historical interaction information of the user, construct The user's credit relationship network is composed of each credit node corresponding to the user's credit information and each credit node corresponding to the user's historical interaction information. In an optional embodiment, the connection module 806 includes: a first determining unit, configured to determine the users with the interactive relationship according to the historical interaction information of each user and the credit information of each user, and obtain the users with the interactive relationship. The respective credit relationship networks of the users of the The credit interaction relationship chain formed by the network. In an optional embodiment, the evaluation module 808 includes: a second determination unit configured to determine a second user group in the credit interaction relationship chain that has an interactive relationship with the first user; a third determination unit is configured to determine the local 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; The first computing unit is configured to calculate the credibility score of the users in the second user group relative to the first user based on the local credit relationship chain corresponding to the first user, as a value for performing the interactive credit evaluation. Interactive credit assessment results. In an optional embodiment, the first computing unit includes: a first determination sub-module configured to determine that the first user corresponds to a user in the second user group in the first user A credit interaction node pair with an interactive relationship in the local credit relationship chain of The credit points of the users in the second user group and the point weights corresponding to the credit nodes, and the interaction weights of each credit interaction node for the interaction target under the corresponding credit interaction dimension and each credit interaction node are calculated. The credibility score of the interaction performed by the users in the two user groups relative to the first user is used as the interactive credit evaluation result of the interactive credit evaluation. In an optional embodiment, the first computing unit includes: an extraction sub-module configured to extract a partial credit relationship chain corresponding to the first user in the credit interaction relationship chain; a detection sub-module, is configured to detect whether a user in a second user group that has an interactive relationship with the first user in the local credit relationship chain corresponding to the first user has a secondary interactive relationship; if so, run a second determination submodule; The second determination sub-module is configured to determine the secondary historical interaction information of the users in the second user group with the secondary interaction relationship; the second calculation sub-module is configured to be based on the first user The corresponding partial credit relationship chain and the secondary historical interaction information calculate the credibility score of the interaction between the users in the second user group relative to the first user, as the interactive credit evaluation for the interactive credit evaluation. result. In an optional embodiment, the credit-based interactive credit evaluation device further includes: a determination module, configured to receive a submission from any interactive user among the multiple users through an interactive page in the terminal device. In the case of the interactive instruction, determine a credit user group that has an interactive relationship with the interactive user according to the interactive instruction; a generating module is configured to assign all credit users according to the credibility score of each credit user in the credit user group. The credit users in the credit user group are sorted, and a user display list is generated 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 presentation list to a presentation page according to the interactive instruction; a presentation module, configured by It 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: an analysis unit, configured to determine the first interaction type to which the interaction item corresponding to the interaction instruction belongs by analyzing the interaction instruction; an adding unit, The second interaction type that is configured to select the interactive item in which the credited user participates is the same as the first interaction type in the user display list, and the credited user whose interaction state is in the interaction state adds a risk label; It is configured to display the 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: a first receiving module configured to receive a click instruction submitted by the interactive user on the display page; a first processing module The group is configured to send the interactive user and the at least one target user to the interactive user and the at least one target user under the condition that the click instruction triggers the at least one target user in the user display list. Deal with or be dealt with. In an optional embodiment, the credit-based interactive credit evaluation device further includes: a second receiving module configured to receive a click instruction submitted by the interactive user on the display page; displaying a personal information module. The group is configured to, when the click instruction triggers the user to display the image identification of at least one target user in the list, send the personal information of the at least one target user to the interactive user through the terminal device. It is shown that the personal information of the at least one target user includes an appointment control item or an appointment acceptance control item; the second processing module is configured to, after receiving the interactive user's response to the contract issuance control item or the appointment acceptance control item, In the case of the selection instruction submitted by the control item, the interactive user and the at least one target user are subjected to an appointment process or an appointment process. In an optional embodiment, generating the user display list on the display page includes: acquiring the credibility scores of each credit user in the credit user group, and comparing the credibility scores of each credit user with the first The score threshold value is compared with the second score threshold value; the credit users corresponding to the credibility score greater than or equal to the first score threshold value are added to the list of trusted users, and the credit user whose score is less than or equal to the second score threshold value is added to the list of trusted users. Add the credited users corresponding to the credibility score to the list of untrusted users; load the list of untrusted users into the display page by loading the list of trusted users into the trusted display template in the display page The untrusted presentation template is generated, and the user presentation list is generated. In an optional embodiment, the credit-based interactive credit evaluation device further includes: a third receiving module configured to receive the interactive user's response to at least one of the trusted user lists in the display page a change instruction submitted by a target user; a first update module configured to 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 updating the list and the untrusted user list; or, a fourth receiving module configured to receive a change instruction submitted by the interactive user for at least one target user in the untrusted user list in the display page; a second update module, 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 update the untrusted user list and the trusted user list to update. The credit-based interactive credit evaluation device provided in this specification obtains a credit interactive relationship chain by connecting the credit relationship networks of users with an interactive relationship, and determines the interactive credit evaluation results of each user based on the credit interactive relationship chain. In the process of interaction between users, users can determine the credibility of other users through the interactive credit evaluation results, 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 by combining the user's interactive objects and credit points in each credit interaction dimension as the interactive credit evaluation. As a result, the security of the user in the process of issuing or contracting is further guaranteed. The above is a schematic solution of a credit-based interactive credit evaluation device according to this embodiment. It should be noted that the technical solution of the credit-based interactive credit evaluation device and the technical solution of the above-mentioned credit-based interactive credit evaluation method belong to the same concept, and 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 above-mentioned credit-based interactive credit assessment method. FIG. 9 shows a structural block diagram of a computing device 900 according to an embodiment of the present specification. Components of the computing device 900 include, but are not limited to, memory 910 and processor 920 . The processor 920 and the memory 910 are connected through the bus bar 930, and the database 950 is used for storing data. Computing device 900 also includes an access device 940 that enables computing device 900 to communicate via one or more networks 960 . Examples of such networks include a public switched telephone network (PSTN), a local area network (LAN), a wide area network (WAN), a personal area network (PAN), or a combination of communication networks such as the Internet. Access device 940 may include one or more of any type of network interface (eg, network interface card (NIC)), wired or wireless, such as IEEE 802.11 wireless local area network (WLAN) wireless interface, global microwave Interconnect Access (Wi-MAX) interface, Ethernet interface, Universal Serial Bus (USB) interface, cellular network interface, Bluetooth interface, Near Field Communication (NFC) interface, etc. In one embodiment of the present specification, the above-described components of computing device 900 and other components not shown in FIG. 9 may also be connected to each other, such as through bus bars. It should be understood that the structural block diagram of the computing device shown in FIG. 9 is only for the purpose of example, rather than limiting the scope of this specification. Those skilled in the art can add or replace other components as required. Computing device 900 may be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (eg, tablet computers, personal digital assistants, laptop computers, notebook computers, notebook computers, etc.), mobile phones (eg, smartphones), wearable computing devices (eg, smart watches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs. 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 interaction information of multiple users in each interaction dimension; build respective credit relationship networks of users according to the historical interaction information and the credit information of the multiple users ; According to the historical interaction information of each user and the credit information of each user, connect and process the respective credit relationship networks of the users with the interaction relationship to obtain the credit interaction relationship chain; The local credit relationship chain of the user interactive credit evaluation. The above is a schematic solution of a computing device according to this embodiment. It should be noted that the technical solution of the computing device and the technical solution of the above-mentioned credit-based interactive credit evaluation method belong to the same concept, and the details that are not described in detail in the technical solution of the computing device can be found in the above-mentioned credit-based interactive credit evaluation. Description of the technical solution of the method. An embodiment of the present specification further provides a computer-readable storage medium, which stores computer instructions, which, when executed by a processor, are used to: acquire historical interaction information of multiple users in various interaction dimensions; according to the historical interaction information and the credit information of the multiple users to construct their respective credit relationship networks; according to the historical interaction information of each user and the credit information of each user, the respective credit relationship networks of the users with the interaction relationship are connected and processed, and the credit interaction network is obtained. A relationship chain; based on the partial credit relationship chain corresponding to the user with the interactive relationship in the credit interaction relationship chain, the interactive credit evaluation is performed on the user. The above is a schematic solution of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the above-mentioned credit-based interactive credit evaluation method belong to the same concept, and the details of the technical solution of the storage medium that are not described in detail can refer to the above-mentioned credit-based interactive credit evaluation. Description of the technical solution of the method. The foregoing describes specific embodiments of the present specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. Additionally, the processes depicted in the figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous. The computer instructions include computer code, which may be in source code form, object code form, executable file, or some intermediate form, and the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, flash drive, portable hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory) Only Memory), random access memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution media, etc. It should be noted that the content contained in the computer-readable media may be appropriately increased or decreased in accordance with the requirements of legislation and patent practice in the jurisdiction, for example, in some jurisdictions, according to legislation and patent practice, the computer-readable media Electric carrier signals and telecommunication signals are not included. It should be noted that, for the convenience of description, the foregoing method embodiments are described as a series of action combinations, but those skilled in the art should know that this specification is not limited by the described action sequence. Because in accordance with this specification, certain steps may be performed in other orders or simultaneously. 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 necessary in this specification. In the above-mentioned embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments. The preferred embodiments of the present specification disclosed above are only provided to assist in explaining the present specification. Alternative embodiments are not intended to exhaust all details, nor do they limit the invention to only the described embodiments. Obviously, many modifications and variations are possible in light of the contents of this specification. These embodiments are selected and described in this specification to better explain the principles and practical applications of this specification, so that those skilled in the art can well understand and utilize this specification. This specification is limited only by the scope of the patent application and its full scope and equivalents.
