WO2020087704A1

WO2020087704A1 - Credit information management method, apparatus, and device, and storage medium

Info

Publication number: WO2020087704A1
Application number: PCT/CN2018/122836
Authority: WO
Inventors: 宋斌
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-10-31
Filing date: 2018-12-21
Publication date: 2020-05-07
Also published as: CN109636582B; CN109636582A

Abstract

A credit information management method, apparatus, and device, and a storage medium. The method comprises: receiving a data import request, and obtaining credit information corresponding to the data import request (S10); creating a data index corresponding to the credit information, and dividing the credit information into public field information and private field information (S20); adding the data index and the public field information into a preset universal list, and associating the data index with an additional tag comprising the private field information (S30); receiving a data query request sent by a query terminal, and obtaining a target data index comprised in the data query request (S40); and querying the preset general list, obtaining target credit information corresponding to the target data index, and returning the target credit information to the query terminal (S50). According to the method, the apparatus, the device, and the storage medium, credit information is subjected to data migration, so as to achieve unified management for the credit information and to enable convenient query.

Description

Credit information management method, device, equipment and storage medium The

This application requires the priority of the Chinese patent application filed on October 31, 2018 in the Chinese Patent Office with the application number 201811292456.4 and the invention titled "Credit Information Management Methods, Devices, Equipment, and Storage Media." Applying.

Technical field

This application relates to the field of data processing, and in particular to credit information management methods, devices, equipment, and storage media.

Background technique

With the progress of society and the diversification of financial markets, credit information has exploded, and credit information management has become particularly important.

In order to facilitate the inquiry of credit information, the credit information of each credit platform needs to be sorted out. However, due to the different types of credit information of each credit platform and the storage format of the same type of credit information is not unified, there is currently no unified Local credit information management methods.

Summary of the invention

The main purpose of the present application is to provide a credit information management method, device, equipment and storage medium, aiming to realize the unified management of credit information and make the inquiry of credit information more convenient.

To achieve the above purpose, this application provides a credit information management method, which includes the following steps:

Receiving a data import request and obtaining credit information corresponding to the data import request;

Create a data index corresponding to the credit information, and divide the credit information into public field information and private field information;

Adding the data index and the public field information to a preset general list, and associating the data index with an additional label containing the private field information;

Receiving the data query request sent by the query end, and acquiring the target data index contained in the data query request;

Query the preset general list, obtain target credit information corresponding to the target data index, and return the target credit information to the query end.

In addition, to achieve the above object, the present application also provides a credit information management device, the credit information management device includes:

A first receiving module, configured to receive a data import request and obtain credit information corresponding to the data import request;

An information division module, used to create a data index corresponding to the credit information, and divide the credit information into public field information and private field information;

An information import module, used to add the data index and the public field information to a preset general list, and associate the data index with an additional label containing the private field information;

The second receiving module receives the data query request sent by the query terminal and obtains the target data index contained in the data query request;

The data query module is used to query the preset universal list, obtain target credit information corresponding to the target data index, and return the target credit information to the query end.

In addition, in order to achieve the above purpose, this application also provides a credit information management device;

The credit information management device includes: a memory, a processor, and computer-readable instructions stored on and operable on the processor, wherein:

When executed by the processor, the computer-readable instructions implement the steps of the credit information management method as described above.

In addition, in order to achieve the above purpose, this application also provides a computer storage medium;

Computer-readable instructions are stored on the computer storage medium. When the computer-readable instructions are executed by the processor, the steps of the credit information management method described above are implemented.

A credit information management method, device, equipment, and storage medium proposed in the embodiments of the present application. The server receives the data import request, obtains the credit information corresponding to the data import request, creates a data index corresponding to the credit information, and sets The credit information is divided into public field information and private field information; adding the data index and the public field information to a preset general list, and performing the data index with an additional label containing the private field information Association; upon receiving the data query request sent by the query end, acquiring the target data index contained in the data query request; querying the preset general list, acquiring the target credit information corresponding to the target data index, and comparing the target Credit information is returned to the query end. The preset general list is preset in this application. When receiving data import triggered by credit information, the credit information is divided into public field information and private field information, and the divided credit information is automatically imported into the preset general list , To achieve unified management of credit information, at the same time, when querying credit information, the server only needs to query the preset general list, you can get the corresponding credit information, making credit information query more convenient.

BRIEF DESCRIPTION

1 is a schematic structural diagram of a device for a hardware operating environment involved in an embodiment of the present application;

2 is a schematic flowchart of a first embodiment of a method for applying for credit information management;

FIG. 3 is a schematic diagram of function modules of an embodiment of a credit information management device for application.

The implementation, functional characteristics and advantages of the present application will be further described in conjunction with the embodiments and with reference to the drawings.

detailed description

It should be understood that the specific embodiments described herein are only used to explain the present application, and are not used to limit the present application.

The main solution of the embodiment of the present application is: by establishing a credit information management platform (the hardware operating environment involved in the credit information management platform is a server as shown in FIG. 1), the credit information management platform and each credit platform are communicatively connected , When the credit information management platform receives the credit information pushed by the credit platform, it triggers a data import request based on the credit information, and the server receives the data import request and obtains the credit information corresponding to the data import request; creates the credit information corresponding to the credit information. Data index, and divide the credit information into public field information and private field information; add the data index and the public field information to a preset general list, and include the data index and the private Attach additional tags to the field information; realize unified management of credit information to facilitate user inquiries.

In the prior art, when credit information is integrated, the data of each credit platform is usually stored in different credit information tables. Such credit information collation is only a simple summary of the credit information of each credit platform, which is not conducive to credit information. Maintenance and use, that is, when inquiring about credit information, it is necessary to query each credit form separately. Such a method of credit information management is not reasonable.

The technical scheme in this application realizes the unified management of credit information in the true sense. By setting a preset general list, then, automatically import the credit information of each credit platform into the preset general list, without the need for manual credit information The re-export reduces the waste of human resources. At the same time, when querying credit information, the server only needs to query the preset general list to obtain all the credit information on the different credit platforms, and the information query is more convenient.

As shown in FIG. 1, FIG. 1 is a server (also called a credit information management device) of a hardware operating environment involved in an embodiment of the present application, where the credit information management device may be composed of a separate credit information management device, or may be composed of Other devices are combined with the credit information management device to form the structure diagram.

The server in the embodiment of the present application refers to a computer that manages resources and provides services to users, and is generally divided into a file server, a database server, and an application-readable instruction server. A computer or computer system running the above software is also called a server. Compared to ordinary PC (personal For personal computers, the server requires high stability, security, and performance. As shown in FIG. 1, the server may include a processor 1001, such as a central processor (Central Processing Unit, CPU), network interface 1004, user interface 1003, memory 1005, communication bus 1002, chipset, disk system, network and other hardware. Among them, the communication bus 1002 is used to implement connection communication between these components. The user interface 1003 may include a display screen (Display), an introduction unit such as a keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as wireless fidelity WIreless-FIdelity, WIFI interface). The memory 1005 may be a high-speed random access memory (random access memory, RAM), can also be a stable memory (non-volatile memory), such as disk storage. The memory 1005 may optionally be a storage device independent of the foregoing processor 1001.

Optionally, the server may also include a camera, RF (Radio Frequency (radio frequency) circuit, sensor, audio circuit, WiFi module; import unit, than display screen, touch screen; network interface can be selected in addition to wireless interface in addition to WiFi, Bluetooth, probes, etc. A person skilled in the art may understand that the server structure shown in FIG. 1 does not constitute a limitation on the server, and may include more or less components than shown, or combine some components, or arrange different components.

As shown in FIG. 1, the computer software product is stored in a storage medium (storage medium: also called computer storage medium, computer medium, readable medium, readable storage medium, computer readable storage medium, or directly called medium, etc., storage medium It may be a non-volatile readable storage medium, such as RAM, magnetic disk, or optical disk, including several instructions to make a terminal device (which may be a mobile phone, computer, server, air conditioner, or network device, etc.) execute the application In the method described in each embodiment, the memory 1005 as a computer storage medium may include an operating system, a network communication module, a user interface module, and computer-readable instructions.

In the server shown in FIG. 1, the network interface 1004 is mainly used to connect to a back-end database and perform data communication with the back-end database; the user interface 1003 is mainly used to connect to a client (client, also called a user terminal or terminal, an embodiment of the present application The terminal can be a fixed terminal or a mobile terminal, such as a smart air conditioner with a networking function, a smart light, a smart power supply, a smart speaker, a self-driving car, a PC, a smartphone, a tablet computer, an e-book reader, a portable computer, etc. It includes sensors such as light sensors, motion sensors and other sensors, which will not be repeated here.) Data communication with the client; and the processor 1001 can be used to call computer-readable instructions stored in the memory 1005 and execute the following in this application The steps in the credit information management method provided by the embodiment.

This embodiment proposes a credit information management method.

Before performing the steps of the credit information management method in this embodiment, a general list needs to be set in advance, where the table label of the preset general list is set with preset public field items, such as account number, contract number, customer name, Business type, interest rate, etc., the row table label is set with an index item, and the index item can be set according to specific circumstances, for example, set as a user ID, in addition, the preset general list can also be set to expand items or add additional labels, in this embodiment The credit information management method is to automatically import the credit information from different credit platforms into a preset general list to achieve unified management of credit information and facilitate credit information query. Specifically:

Referring to FIG. 2, in a first embodiment of a credit information management method of the present application, the credit information management method includes:

Step S10: Receive a data import request and obtain credit information corresponding to the data import request.

This embodiment is applied to the server shown in FIG. 1, and the server receives the data import request. The data import request in this embodiment can be triggered in different ways. For example, the user uploads credit information based on the terminal and manually uploads the credit information based on the uploaded credit information. Trigger a data import request; or the server automatically triggers a data import request after receiving credit information, that is, the server communicates with the database of each credit platform in advance. When the database of the credit platform is updated, the credit platform will push the credit information to the server, the server The credit information pushed by the credit platform is received, and the data import request is automatically triggered based on the credit information pushed by the credit platform.

When the server receives the data import request, the server obtains the credit information corresponding to the data import request. It should be added that the format of the credit information in this embodiment is not limited, for example, it can be a picture format or a document format. In the credit information When it is in a non-document format, the server needs to perform format conversion on the non-document format credit information, for example, identify the credit information in the picture format and the credit information in the document format to realize the data import based on the credit information.

Step S20: Create a data index corresponding to the credit information, and divide the credit information into public field information and private field information.

After acquiring the credit information, the server creates a data index corresponding to the credit information. The data index in this embodiment is created to quickly find the credit information, so the data index can be set according to actual needs, for example, as a user ID.

After the data index is created, the server divides the credit information into public field information and private field information. In this embodiment, the public field can be set according to the data query needs, for example, the public field is set to: account number, contract No., customer name, business type, interest rate and other information. Then, the server uses the credit information in the credit information except the public field as private field information. Private field information refers to some uncommon or special records.

In this embodiment, by creating a data index corresponding to the credit information, the credit information can be quickly queried. At the same time, the credit information is divided into public field information and private field information to classify and store the credit information and realize unified information management.

Step S30: Add the data index and the public field information to a preset universal list, and associate the data index with an additional label that contains the private field information.

In this embodiment, the step of importing credit information in step S30 specifically includes:

Step a, add the data index to the preset general list, and obtain the information type of the common field information, and compare the information type with each field item in the preset general list;

Step b: Obtain the target field item matching the information type, and add the field value in the public field information to the corresponding position of the target field item;

Step c, when it is detected that the addition of the public field information is completed, add the private field information to the blank label, and use the blank label containing the private field information as an additional label;

Step d: Associate the data index with the additional label containing the private field information to complete the import of the credit information.

For example, the credit information contains public field information, such as mortgage contract number 120xxx, customer name: Li xx, etc .; and private field information: mortgage information, the server first obtains the data index created: number xxx mortgage, the server will The created data index is used as the row label of the preset general list. The server uses the mortgage contract number and the customer name as the public field information. The server obtains the information type of the public field information and compares the information type with the preset general list. Compare each field item to obtain the target field item with matching information type. For example, the mortgage contract number (information type) corresponds to the contract number (target field item) in the preset common list; the customer name (information type) corresponds to the pre- Set the customer ID (target field item) in the general list.

The server adds the field value in the public field information to the corresponding position of the target field item, for example, the server adds 120xxx to the preset universal list where the row label is the number xxx mortgage and the column label is the corresponding position of the contract number, Add Li xx to the preset universal list. The row label is the number xxx mortgage, the column label is the corresponding position of the user ID, the server adds the collateral information as private field information to the blank label, and will contain the private field The blank label of the information is used as an additional label; the server associates the data index with the additional label containing the private field information to complete the import of the credit information. In this embodiment, the credit information is divided and imported into a preset general list to facilitate unified management of credit information.

Step S40: Receive the data query request sent by the query terminal, and obtain the target data index contained in the data query request.

The user can trigger a data query request in the query terminal, and the server receives the data query request sent by the query terminal, and obtains the target data index included in the data query request, so that the server obtains the pre-data index according to the target data index included in the data query request. Set the target credit information corresponding to the target data index in the general list, specifically:

Step S50, query the preset general list, obtain target credit information corresponding to the target data index, and return the target credit information to the query end.

The server queries the preset general list to obtain target credit information corresponding to the target data index, wherein the target credit information includes target public field information and target private field information, and the server returns the target credit information to The query end.

In this embodiment, a preset universal list is set in advance, and when receiving data import triggered by credit information, the credit information is divided into public field information and private field information, and the divided credit information is automatically imported into the preset universal In the list, the unified management of credit information is realized. At the same time, when querying the credit information, the server only needs to query the preset general list to obtain the corresponding credit information, making the credit information query more convenient.

Further, on the basis of the first embodiment of the present application, a second embodiment of the credit information management method of the present application is proposed.

This embodiment is a refinement of step S10 in the first embodiment. The difference from the first embodiment of the present application is that the credit information in this embodiment is in a picture format, and the credit information management method includes:

Step S11: Receive a data import request triggered based on a credit picture, preprocess the credit picture, and extract feature information in the credit picture after preprocessing.

In this embodiment, the user also triggers a data import request based on a credit picture (ie, image format credit information). For example, the user uploads a credit contract to the server to trigger a data import request, and the server preprocesses the credit picture. To reduce the useless information in the credit image and facilitate the subsequent processing. The preprocessing of credit pictures includes the following steps: grayscale (if color image), noise reduction, binarization, character segmentation and normalization. The server extracts the feature information in the credit picture after preprocessing. This embodiment supports the import of credit information in an image format, without requiring the user to manually add credit information, which makes the export of credit information more convenient.

Step S12: Enter the feature information into a preset character classifier to obtain character information, and post-process the character information to obtain credit information corresponding to the data import request.

The server inputs the extracted feature information to the preset character classifier (the character preset character classifier refers to a preset character classifier that is set in advance for character information recognition. It needs to be added that in this embodiment, Before the step, the preset character classifier needs to be trained, for example, using svm, neural network etc, which is not repeated in this embodiment); the preset character classifier classifies the feature information, and determines that the feature information should be recognized as Which character gets the corresponding character information.

Then, the server performs post-processing on the obtained character information. The post-processing is used to optimize the character information. First, the classification of the preset character classifier is sometimes not necessarily completely correct, due to the existence of near-shaped characters in Chinese characters , It is easy to recognize a word as its near word. This problem can be solved in post-processing. In this embodiment, the credit picture is processed to ensure the accuracy of the obtained credit information.

Further, on the basis of the first embodiment, a third embodiment of the credit information management method of the present application is proposed.

This embodiment is a refinement of step S20 in the first embodiment. In this embodiment, different data processing methods are used according to the format of the credit information to divide the credit information into public field information and private field information. specifically:

Step S21: Create a data index corresponding to the credit information, and obtain the text format of the credit information.

The server creates a data index corresponding to the credit information and obtains the text format of the credit information. The text format of the credit information in this embodiment is not limited. The server determines that the credit information is divided into public fields according to the text format of the credit information Information and private field information methods.

Step S22, when the text format is a standardized structure, use the first credit information at a preset position in the standardized structure as public field information, and use the credit information other than the first credit information as private field information .

That is, in this embodiment, a standardized structure is set in advance, and when the text format is a standardized structure, the server uses the first credit information at a preset position in the standardized structure as public field information, and removes the first credit Credit information other than information is used as private field information. For example, when the credit information is a standardized credit contract, the server does not need to perform text recognition and comparison to realize the division of public field information and private field information, that is, to mark in the standardized structure of the credit contract: contract signature position, contract number position The contract type is a preset location, and the server uses the first credit information at the preset location as public field information, and uses the credit information other than the first credit information as private field information.

This embodiment relates to a standardized credit information processing method, which reduces the amount of credit information processing and improves the efficiency of credit information processing.

Step S23, when the text format is a non-standardized structure, the credit information is subjected to word segmentation according to a preset word segmentation method to obtain a keyword corresponding to the credit information; a target keyword that matches a preset public field is obtained, The target keyword is used as public field information, and keywords other than the target keyword are used as private field information.

When the text format is a non-standardized structure, the server performs word segmentation processing on the credit information according to a preset word segmentation method (the preset word segmentation method refers to a preset algorithm for cutting a Chinese character sequence into individual words), Obtain the keywords corresponding to the credit information, and aggregate each keyword to form a keyword set; after forming the keyword set, the server combines each keyword in the keyword set with a preset common field (the preset common field refers to the Set public fields, for example, user identification), and the server obtains the target keywords that match the preset public fields, and uses the target keywords as the public field information, and uses the keys other than the target keywords Word, as private field information. In this embodiment, the method of word segmentation is used to divide the credit information into public field information and private field information, which makes the division of credit information more flexible.

Further, on the basis of the foregoing embodiment, a fourth embodiment of the credit information management method of the present application is proposed. This embodiment is a refinement of step S40 in the first embodiment, specifically:

Step S41: Receive a data query request sent by the query terminal, and verify the query permission of the query terminal according to the permission identifier included in the data query instruction;

In this embodiment, considering that the credit information in the preset general list may be non-public, corresponding query authority may be set to protect the non-public data to a certain extent. Specifically, when sending a data query request to the server, the query terminal adds a corresponding query permission identifier to the data query request. When receiving the data query instruction, the server verifies the query authority of the query terminal according to the authority identifier, and determines whether the query terminal is qualified to perform data query. When the query authority fails to pass the verification, the server will refuse to execute the query and return the corresponding non-permission information to the query end; when the query authority passes the verification,

Step S42: When the query authority of the query end is verified, obtain the target data index included in the data query request

In this embodiment, when the query authority of the query terminal is verified, the server will determine that the query terminal is qualified for data query. At this time, the server obtains the target data index contained in the query request; for credit information query, this implementation In the example, when the server receives the data query instruction, it is determined whether the query terminal has data query authority. Realize the protection of credit information.

Further, on the basis of the foregoing embodiment, a fifth embodiment of the credit information management method of the present application is proposed.

This embodiment is a step after step S10 in the first embodiment. After obtaining credit information in this embodiment, it is necessary to verify the authenticity of the credit information. The credit information management method includes:

Step S60: Obtain the credit identifier of the credit information, query a preset credit database, and obtain standard credit information corresponding to the credit identifier.

In this embodiment, in order to avoid that the credit information corresponding to the data import request is false and ensure the authenticity of the credit information, the server needs to verify the authenticity of the credit information before the credit information is imported, that is, the server obtains the credit of the credit information Identify and query the preset credit database, where the preset credit database in this embodiment refers to a preset standard credit information database, for example, a database of each bank, and the server obtains the standard corresponding to the credit ID from the preset credit database Credit information, and compare the credit information with the standard credit information to verify the authenticity of the credit information, specifically:

Step S70, when the credit information does not match the standard credit information, generating prompt information to remind the user that the credit information is inaccurate;

When the credit information does not match the standard credit information, that is, the credit information corresponding to the data import request is false, the server generates a prompt message to remind the user that the credit information is inaccurate; When the standard credit information matches, the server performs step S20: creating a data index corresponding to the credit information in the first embodiment, and dividing the credit information into public field information and private field information.

In this embodiment, the authenticity of the credit information is verified to prevent false credit information from being imported into the preset general list, effectively guaranteeing the authenticity of the credit information.

Further, on the basis of the foregoing embodiments, a sixth embodiment of the credit information management method of the present application is proposed.

This embodiment is a step after step S20 in the first embodiment. In this embodiment, when the credit information is updated, the credit information can be automatically updated. The credit information management method includes:

Step S80, establishing an association relationship between the credit information and the preset universal list;

In this implementation, the update of credit information is considered, that is, the status of the credit information imported into the preset general list in the previous period may also change. For example, the preset general list contains microfinance information and the loan period is 2018 From May 1st to November 1st, 2018, and November 2nd, 2018, there is a case of overdue repayment. The server needs to update the information in the preset general list. Specifically, in this embodiment, the server establishment office The association relationship between the credit information and the preset general list is to automatically update the corresponding credit information in the preset general list when the credit information is updated.

Step S90, when the public field information in the credit information is updated, update the preset universal list according to the association relationship; when the private field information in the credit information is updated, update the association according to the association relationship Attach tags.

When the public field information in the credit information is updated, the server updates the preset general list according to the association relationship; when the private field information in the credit information is updated, the additional label is updated according to the association relationship In this embodiment, the credit information in the preset universal list can be automatically updated to ensure the real-time nature of the credit information in the preset universal list.

In addition, referring to FIG. 3, an embodiment of the present application further proposes a credit information management device. The credit information management device includes:

The first receiving module 10 is configured to receive a data import request and obtain credit information corresponding to the data import request;

The information division module 20 is used to create a data index corresponding to the credit information, and divide the credit information into public field information and private field information;

The information importing module 30 is used to add the data index and the public field information to a preset general list, and associate the data index with an additional label containing the private field information;

The second receiving module 40 receives the data query request sent by the query end and obtains the target data index contained in the data query request;

The data query module 50 is configured to query the preset general list, obtain target credit information corresponding to the target data index, and return the target credit information to the query end.

Optionally, the first receiving module 10 includes:

A receiving processing unit, configured to receive a data import request triggered based on a credit picture, preprocess the credit picture, and extract feature information in the credit picture after preprocessing;

The information processing unit is configured to input the characteristic information to a preset character classifier to obtain character information, and post-process the character information to obtain credit information corresponding to the data import request.

Optionally, the information division module 20 includes:

A creating unit, used to create a data index corresponding to the credit information, and obtain a text format of the credit information;

The first dividing unit is configured to use the first credit information at a preset position in the standardized structure as the common field information when the text format is a standardized structure, and use credit information other than the first credit information As private field information;

The second dividing unit is used to segment the credit information according to a preset word segmentation method when the text format is a non-standardized structure, to obtain keywords corresponding to the credit information; to obtain keywords matching the preset public fields Target keywords, and use the target keywords as public field information, and keywords other than the target keywords as private field information.

Optionally, the information import module 30 includes:

Adding a comparison unit, used to add the data index to a preset universal list, and obtain the information type of the public field information, and compare the information type with each field item in the preset universal list;

An adding unit, configured to obtain a target field item matching the information type, and add the field value in the public field information to the corresponding position of the target field item;

A label forming unit, configured to add the private field information to a blank label when detecting that the public field information is added, and use the blank label containing the private field information as an additional label;

The association importing unit is used to associate the data index with the additional label containing the private field information to complete the import of the credit information.

Optionally, the credit information management device includes:

An acquisition query module for acquiring the credit identification of the credit information, querying a preset credit database, and acquiring standard credit information corresponding to the credit identification;

The information prompt module is used to generate prompt information when the credit information does not match the standard credit information to remind the user that the credit information is inaccurate;

When the credit information matches the standard credit information, the information division module 20 is invoked to perform the steps of creating a data index corresponding to the credit information and dividing the credit information into public field information and private field information.

Optionally, the second receiving module 40 includes:

A receiving verification unit, configured to receive a data query request sent by the query terminal, and verify the query permission of the query terminal according to the permission identifier included in the data query instruction;

The verification acquiring unit is configured to acquire the target data index included in the data query request when the query authority of the query terminal passes verification.

Optionally, the credit information management device includes:

An association establishment module, used to establish an association relationship between the credit information and the preset universal list;

A first update module, configured to update the preset universal list according to the association relationship when the public field information in the credit information is updated;

The second update module is configured to update the additional label according to the association relationship when the private field information in the credit information is updated.

For the steps implemented by each functional module of the credit information management device, reference may be made to the embodiments of the credit information management method of the present application, which will not be repeated here.

In addition, the embodiments of the present application also provide a computer storage medium.

Computer-readable instructions are stored on the computer storage medium, and when the computer-readable instructions are executed by the processor, the operations in the credit information management method provided in the foregoing embodiments are implemented.

For the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant part can be referred to the description of the method embodiment. The device embodiments described above are only schematic, and the units described as separate components may or may not be physically separated. A part or all of the modules in the application may be selected according to actual needs to achieve the purpose of the solution of the present application. Those of ordinary skill in the art can understand and implement without paying creative labor.

The sequence numbers of the above embodiments of the present application are for description only, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the methods in the above embodiments can be implemented by means of software plus a necessary general hardware platform, and of course, can also be implemented by hardware, but in many cases the former is better Implementation. Based on this understanding, the technical solution of the present application can be embodied in the form of a software product in essence or part that contributes to the existing technology, and the computer software product is stored in a storage medium (such as ROM / RAM , Magnetic disk, optical disk), including several instructions to make a terminal device (which can be a mobile phone, computer, server, air conditioner, or network equipment, etc.) to perform the method described in each embodiment of the present application.

The above are only the preferred embodiments of the present application, and do not limit the scope of the patent of the present application. Any equivalent structure or equivalent process transformation made by the description and drawings of this application, or directly or indirectly used in other related technical fields The same reason is included in the patent protection scope of this application.

Claims

A credit information management method, characterized in that the credit information management method includes the following steps:

Receiving a data import request and obtaining credit information corresponding to the data import request;

Create a data index corresponding to the credit information, and divide the credit information into public field information and private field information;

Adding the data index and the public field information to a preset general list, and associating the data index with an additional label containing the private field information;

Receiving the data query request sent by the query end, and acquiring the target data index contained in the data query request;

Query the preset general list, obtain the target credit information corresponding to the target data index, and return the target credit information to the query end, wherein the target credit information includes target public field information and target Private field information.
The credit information management method according to claim 1, wherein the step of receiving the data import request and acquiring the credit information corresponding to the data import request includes:

Receiving a data import request triggered based on a credit picture, preprocessing the credit picture, and extracting feature information in the credit picture after preprocessing;

The characteristic information is input to a preset character classifier to obtain character information, and the character information is post-processed to obtain credit information corresponding to the data import request.
The credit information management method according to claim 1, wherein the steps of creating a data index corresponding to the credit information and dividing the credit information into public field information and private field information include:

Create a data index corresponding to the credit information, and obtain the text format of the credit information;

When the text format is a standardized structure, the first credit information at a preset position in the standardized structure is used as public field information, and the credit information other than the first credit information is used as private field information;

When the text format is a non-standardized structure, the credit information is subjected to word segmentation according to a preset word segmentation method to obtain a keyword corresponding to the credit information, to obtain a target keyword that matches a preset public field, and The target keyword is used as public field information, and keywords other than the target keyword are used as private field information.
The credit information management method according to claim 1, wherein the data index and the public field information are added to a preset general list, and the data index and the private field information are included The steps for associating additional tags include:

Add the data index to the preset general list, and obtain the information type of the common field information, and compare the information type with each field item in the preset general list;

Obtaining a target field item matching the information type, and adding the field value in the public field information to the corresponding position of the target field item;

When detecting that the addition of the public field information is completed, add the private field information to a blank label, and use the blank label containing the private field information as an additional label;

Associate the data index with the additional label containing the private field information to complete the import of the credit information.
The credit information management method according to claim 1, wherein after the step of receiving the data import request and acquiring the credit information corresponding to the data import request, it includes:

Obtain the credit identification of the credit information, query a preset credit database, and obtain standard credit information corresponding to the credit identification;

When the credit information does not match the standard credit information, generating prompt information to remind the user that the credit information is inaccurate;

When the credit information matches the standard credit information, a step of creating a data index corresponding to the credit information and dividing the credit information into public field information and private field information is performed.
The credit information management method according to claim 1, wherein the step of receiving the data query request sent by the query end and acquiring the target data index included in the data query request includes:

Receiving the data query request sent by the query terminal, and verifying the query permission of the query terminal according to the permission identifier included in the data query instruction;

When the query authority of the query end is verified, the target data index included in the data query request is obtained.
The credit information management method according to claim 1, wherein the data index and the public field information are added to a preset general list, and the data index and the private field information are included After the step of associating additional tags of, includes:

Establishing an association relationship between the credit information and the preset universal list;

When the public field information in the credit information is updated, the preset general list is updated according to the association relationship;

When the private field information in the credit information is updated, the additional label is updated according to the association relationship.
A credit information management device, characterized in that the credit information management device includes:

A first receiving module, configured to receive a data import request and obtain credit information corresponding to the data import request;

An information division module, used to create a data index corresponding to the credit information, and divide the credit information into public field information and private field information;

An information import module, used to add the data index and the public field information to a preset general list, and associate the data index with an additional label containing the private field information;

The second receiving module receives the data query request sent by the query terminal and obtains the target data index contained in the data query request;

The data query module is used to query the preset universal list, obtain target credit information corresponding to the target data index, and return the target credit information to the query end.
The credit information management device according to claim 8, wherein the first receiving module comprises:

A receiving processing unit, configured to receive a data import request triggered based on a credit picture, preprocess the credit picture, and extract feature information in the credit picture after preprocessing;

The information processing unit is configured to input the characteristic information to a preset character classifier to obtain character information, and post-process the character information to obtain credit information corresponding to the data import request.
The credit information management device according to claim 8, wherein the information division module includes:

A creating unit, used to create a data index corresponding to the credit information, and obtain a text format of the credit information;

The first dividing unit is configured to use the first credit information at a preset position in the standardized structure as the common field information when the text format is a standardized structure, and use credit information other than the first credit information As private field information;

The second dividing unit is used to segment the credit information according to a preset word segmentation method when the text format is a non-standardized structure, to obtain keywords corresponding to the credit information; to obtain keywords matching the preset public fields Target keywords, and use the target keywords as public field information, and keywords other than the target keywords as private field information.
The credit information management device according to claim 8, wherein the information import module includes:

Adding a comparison unit, used to add the data index to a preset universal list, and obtain the information type of the public field information, and compare the information type with each field item in the preset universal list;

An adding unit, configured to obtain a target field item matching the information type, and add the field value in the public field information to the corresponding position of the target field item;

A label forming unit, configured to add the private field information to a blank label when detecting that the public field information is added, and use the blank label containing the private field information as an additional label;

The association importing unit is used to associate the data index with the additional label containing the private field information to complete the import of the credit information.
The credit information management device according to claim 8, wherein the credit information management device comprises:

An acquisition query module for acquiring the credit identification of the credit information, querying a preset credit database, and acquiring standard credit information corresponding to the credit identification;

The information prompt module is used to generate prompt information when the credit information does not match the standard credit information to remind the user that the credit information is inaccurate;

When the credit information matches the standard credit information, the information division module 20 is invoked to perform the steps of creating a data index corresponding to the credit information and dividing the credit information into public field information and private field information.
The credit information management device according to claim 8, wherein the second receiving module comprises:

A receiving verification unit, configured to receive a data query request sent by the query terminal, and verify the query permission of the query terminal according to the permission identifier included in the data query instruction;

The verification acquiring unit is configured to acquire the target data index included in the data query request when the query authority of the query terminal passes verification.
The credit information management device according to claim 8, wherein the credit information management device comprises:

An association establishment module, used to establish an association relationship between the credit information and the preset universal list;

A first update module, configured to update the preset universal list according to the association relationship when the public field information in the credit information is updated;

The second update module is configured to update the additional label according to the association relationship when the private field information in the credit information is updated.
A credit information management device, characterized in that the credit information management device includes: a memory, a processor, and computer-readable instructions stored on the memory and operable on the processor, wherein:

When the computer-readable instructions are executed by the processor, the following steps are realized:

Receiving a data import request and obtaining credit information corresponding to the data import request;

Create a data index corresponding to the credit information, and divide the credit information into public field information and private field information;

Adding the data index and the public field information to a preset general list, and associating the data index with an additional label containing the private field information;

Receiving the data query request sent by the query end, and acquiring the target data index contained in the data query request;

Query the preset general list, obtain the target credit information corresponding to the target data index, and return the target credit information to the query end, wherein the target credit information includes target public field information and target Private field information.
The credit information management device according to claim 15, wherein the computer-readable instructions are executed by the processor: the step of receiving a data import request and acquiring credit information corresponding to the data import request includes: :

Receiving a data import request triggered based on a credit picture, preprocessing the credit picture, and extracting feature information in the credit picture after preprocessing;

The characteristic information is input to a preset character classifier to obtain character information, and the character information is post-processed to obtain credit information corresponding to the data import request.
The credit information management device according to claim 15, wherein the computer-readable instructions are executed by the processor: the data index corresponding to the credit information is created, and the credit information is divided into The steps of public field information and private field information include:

Create a data index corresponding to the credit information, and obtain the text format of the credit information;

When the text format is a standardized structure, the first credit information at a preset position in the standardized structure is used as public field information, and the credit information other than the first credit information is used as private field information;

When the text format is a non-standardized structure, the credit information is subjected to word segmentation according to a preset word segmentation method to obtain keywords corresponding to the credit information, to obtain a target keyword that matches a preset public field, and The target keyword is used as public field information, and keywords other than the target keyword are used as private field information.
The credit information management device according to claim 15, wherein the computer-readable instructions are executed by the processor: the adding the data index and the common field information to a preset general list, The step of associating the data index with the additional label containing the private field information includes:

Add the data index to the preset general list, and obtain the information type of the common field information, and compare the information type with each field item in the preset general list;

Obtaining a target field item matching the information type, and adding the field value in the public field information to the corresponding position of the target field item;

When detecting that the addition of the public field information is completed, add the private field information to a blank label, and use the blank label containing the private field information as an additional label;

Associate the data index with the additional label containing the private field information to complete the import of the credit information.
The credit information management device according to claim 15, wherein when the computer-readable instructions are executed by the processor, the following steps are further implemented:

Obtain the credit identification of the credit information, query a preset credit database, and obtain standard credit information corresponding to the credit identification;

When the credit information does not match the standard credit information, generating prompt information to remind the user that the credit information is inaccurate;

When the credit information matches the standard credit information, a step of creating a data index corresponding to the credit information and dividing the credit information into public field information and private field information is performed.
A computer storage medium, characterized in that computer readable instructions are stored on the computer storage medium, and when the computer readable instructions are executed by a processor, the following steps are realized:

Receiving a data import request and obtaining credit information corresponding to the data import request;

Create a data index corresponding to the credit information, and divide the credit information into public field information and private field information;

Adding the data index and the public field information to a preset general list, and associating the data index with an additional label containing the private field information;

Receiving the data query request sent by the query end, and acquiring the target data index contained in the data query request;

Query the preset general list, obtain the target credit information corresponding to the target data index, and return the target credit information to the query end, wherein the target credit information includes target public field information and target Private field information.