WO2021057139A1

WO2021057139A1 - Credit-based interaction processing method and device

Info

Publication number: WO2021057139A1
Application number: PCT/CN2020/098511
Authority: WO
Inventors: 林晨; 覃伟; 沈晓东
Original assignee: 支付宝(杭州)信息技术有限公司
Priority date: 2019-09-29
Filing date: 2020-06-28
Publication date: 2021-04-01
Also published as: CN110620784A; TW202113716A

Abstract

Embodiments of the present specification provide a credit-based interaction processing method and device. The credit-based interaction processing method comprises: acquiring an interaction request submitted by an interaction-initiating user with respect to a selected target user; acquiring, for the interaction-initiating user and the target user, credit information and a historical interaction record generated according to participation thereof in interactions; building a credit interaction relationship chain on the basis of the credit information and the historical interaction records of the interaction-initiating user and the target user; calculating, on the basis of the credit interaction relationship chain, a credibility score of the interaction-initiating user for carrying out interactions with the target user; and if the credibility score is greater than a credibility relationship threshold, performing interaction processing on the interaction request.

Description

Credit-based interactive processing method and device

Technical field

The embodiments of this specification relate to the field of data processing technology, and in particular to a credit-based interactive processing method. One or more embodiments of this specification simultaneously relate to a credit-based interactive processing device, a computing device, and a computer-readable storage medium.

Background technique

With the continuous development of Internet technology, the application of online social tools has become more and more extensive. In common online social tools, social relations are often divided into acquaintances or not, familiar or unfamiliar, friends or non-friends (strangers). ) And other methods. At the same time, the initiation of social behaviors is often based on whether the two parties are friends with each other as a criterion for initiating social behaviors. The interaction between users is generally instant messaging messages, such as text messages, voice messages, video messages, Internet phone, etc., the effectiveness of interactive methods and the authenticity and safety of social activities cannot be guaranteed.

Summary of the invention

In view of this, the embodiments of this specification provide a credit-based interactive processing method, a credit-based interactive processing device, a computing device, and a computer-readable storage medium.

An embodiment of this specification provides a credit-based interactive processing method, including:

Obtain the interactive request submitted by the interactive user for the selected target user;

Acquiring the credit information of the interactive user and the target user and the historical interaction record generated by participating in the interaction;

Constructing a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction record;

Calculating the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain;

In a case where the credibility score is greater than the credible relationship threshold, interactive processing is performed on the interaction request.

Optionally, the constructing a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction record includes:

Based on the connection relationship between the credit information of the interactive user and the historical interaction record of the interactive user, construct a composition composed of each node corresponding to the interactive user's credit information and each node corresponding to the interactive user's historical interaction record The first credit interaction network of the interactive user; and, based on the interactive relationship between the target user’s credit information and the target user’s historical interaction record, construct each of the target user’s credit information corresponding to the interactive relationship The second credit interaction network of the target user composed of nodes and the respective nodes corresponding to the historical interaction records of the target user;

According to the interaction relationship between the historical interaction record of the interactive user and the historical interaction record of the target user, the node corresponding to the interaction relationship in the first credit interaction relationship network is established to interact with the node in the second credit interaction relationship. For the connection relationship between corresponding nodes in the relationship network, the target credit interaction relationship network composed of the first credit interaction relationship network and the second credit interaction relationship network after the establishment of the connection relationship is used as the credit interaction relationship chain.

Optionally, the calculating the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain includes:

Determining a pair of credit interaction nodes having an interaction relationship in the credit interaction relationship chain, and a credit node corresponding to the credit score of the target user;

Calculate the interactive user according to the credit score of the target user corresponding to the credit node and the credit weight corresponding to the credit node, and the interaction weight of each credit interaction node on the interaction target in each interaction dimension corresponding to each interaction dimension The credibility score for the target user's interaction.

Optionally, the credit-based interactive processing method includes:

In a case where the credibility score is less than or equal to the untrustworthy relationship threshold, judging whether the interaction trustworthiness rate of the target user is less than a preset interaction trustworthiness threshold;

If yes, send a risk reminder that the target user is an untrusted user to the terminal device of the interactive user who submitted the interaction request;

Wherein, the risk prompt carries the credibility score of the target user and the interaction trustworthiness rate of the target user; the interaction trustworthiness rate refers to the number of interactions and participation of the target user who participated in and successfully completed the interaction The ratio of the total number of interactions.

Optionally, after the steps of acquiring the credit information of the interactive user and the target user and participating in the interactive generation of historical interaction records are performed, and in the case where the credibility score is greater than a credible relationship threshold, Before the step of performing interactive processing on the interactive request is executed, it includes:

Determine the interaction type to which the interaction request belongs;

Query the interaction record of the interaction type in the interaction record of the target user in an interaction state as a risk interaction record;

Generating, based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction that is sent to the terminal device of the interaction user who submitted the interaction request;

Wherein, the risk interaction reminder includes the interaction type and the number of risk interaction records.

Searching the historical interaction records of the target user for risk interaction records in which the target user participates in the interaction as an interaction target in a preset time interval;

Based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction and sent to the terminal device of the interaction user who submitted the interaction request is generated.

Optionally, in a case where the credibility score is greater than a credible relationship threshold, after performing the interactive processing step on the interaction request, the method includes:

The target user is added to the trusted user list of the interactive user, and the trusted user list is displayed to the target user by sending a display page carrying the trusted user list to the target user.

Optionally, after the step of sending a risk reminder that the target user is an untrusted user to the terminal device of the interactive user who submitted the interaction request is executed, the method includes:

The target user is added to the untrusted user list of the interactive user, and the untrusted user list is displayed to the target user by sending a display page carrying the untrusted user list to the target user.

Optionally, the credit-based interactive processing method includes:

After receiving a touch instruction for any user identification displayed on the display page, determine the user to be viewed corresponding to the user identification triggered by the touch instruction;

Read the user information, credit information, credibility score, and interaction information of the viewed user, and display based on the display page.

Optionally, after the step of determining the viewed user corresponding to the user identifier triggered by the touch instruction after receiving the touch instruction for any one of the user identifiers displayed on the display page is executed, the method includes:

Based on the display page, display the credential type of the credential certificate of the viewed user and the access interface of the credential certificate of each credential type;

After receiving an access application for any access interface, send an access application to the viewed user;

If the viewed user authorizes the access application, the credit certificate of the credential type corresponding to the access interface is read and displayed.

An embodiment of this specification provides a credit-based interactive processing device, including:

The interactive request obtaining module is configured to obtain the interactive request submitted by the interactive user for the selected target user;

The historical interaction record obtaining module is configured to obtain the credit information of the interactive user and the target user and the historical interaction record generated by participating in the interaction;

A credit interaction relationship chain construction module, configured to construct a credit interaction relationship chain based on the credit information and the historical interaction records of the interactive user and the target user;

A credibility score calculation module configured to calculate the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain;

The interactive processing module is configured to perform interactive processing on the interactive request when the credibility score is greater than the credible relationship threshold.

An embodiment of this specification provides a computing device, including:

Memory and processor;

The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions:

An embodiment of the present specification provides a computer-readable storage medium that stores computer instructions that, when executed by a processor, implement the steps of the credit-based interactive processing method.

An embodiment of this specification realizes that starting from the target user for which the interactive request submitted by the interactive user is submitted, the characterization office is constructed on the basis of the credit information of the interactive user and the target user and the historical interaction records generated by the interaction. The credit interaction relationship chain of the interaction relationship and the credit relationship between the interactive user and the target user, and the credit interaction relationship chain constructed is used to calculate the credibility score of the target user relative to the interactive user to This serves as an assessment of the credibility of the interaction between the interactive user and the target user, so as to reduce or even avoid the risk caused by the interaction of the interactive user with the target user with a lower credibility, and to ensure the interactive activities between users. Authenticity and safety.

Description of the drawings

Figure 1 is a processing flowchart of a credit-based interactive processing method provided by an embodiment of this specification;

Figure 2 (a) is a schematic diagram of a credit interaction network provided by an embodiment of this specification;

Figure 2(b) is a schematic diagram of a credit interaction network provided by an embodiment of this specification;

FIG. 3 is a schematic diagram of a credit interaction relationship chain provided by an embodiment of this specification;

4 is a schematic diagram of a credit relationship display page provided by an embodiment of this specification;

Figure 5 is a schematic diagram of a personal credible information display page provided by an embodiment of this specification;

Fig. 6 is a schematic diagram of a credit-based interactive processing device provided by an embodiment of the present specification;

Fig. 7 is a structural block diagram of a computing device provided by an embodiment of this specification.

detailed description

In the following description, many specific details are explained in order to fully understand this specification. However, this specification can be implemented in many other ways different from those described here, and those skilled in the art can make similar extensions without departing from the connotation of this specification. Therefore, this specification is not limited by the specific implementation disclosed below.

The terms used in one or more embodiments of this specification are only for the purpose of describing specific embodiments, and are not intended to limit one or more embodiments of this specification. The singular forms of "a", "said" and "the" used in one or more embodiments of this specification and the appended claims are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that the term "and/or" used in one or more embodiments of this specification refers to and includes any or all possible combinations of one or more associated listed items.

It should be understood that although the terms first, second, etc. may be used to describe various information in one or more embodiments of this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of one or more embodiments of this specification, the first may also be referred to as the second, and similarly, the second may also be referred to as the first. Depending on the context, the word "if" as used herein can be interpreted as "when" or "when" or "in response to determination".

First, the terminology involved in one or more embodiments of the present invention will be explained.

Credit contract: It means that two or more participants reach a consensus on "rights", "responsibility", and "profits" for a certain interaction based on credit, and each participant who reaches the consensus will keep a copy of what has been reached Consensus data; such as the consensus reached by the issuer and the respondent in a credit contract project on a certain credit contract under the constraint of credit, or credit transaction projects (such as "first enjoy before pay", "credit transfer" and other transactions Scenario project) the consensus reached between users on a certain transaction under the constraint of credit;

Among them, "right" defines the rights enjoyed by one party, and can also be understood as the behavior of the other party that needs to perform the contract, such as the issuer and the responding party in the credit contract project to perform the credit contract according to the agreement, or between the users according to the agreement Fulfill the transaction;

"Responsibility" defines the responsibilities of the defaulting party, such as recording the default event in the defaulting party's credit, reducing the defaulting party's credit score, or imposing a fine on the defaulting party, etc.;

"Profit" defines the benefits or rewards that the performing party can obtain. For example, users who participate in and fulfill the credit contract as agreed will improve their credit score through this behavior, or users who successfully perform the transaction as agreed can get rewards.

An embodiment of this specification provides a credit-based interactive processing method, a credit-based interactive processing device, a computing device, and a computer-readable storage medium. The following is a detailed description one by one in conjunction with the accompanying drawings of the embodiments provided in this specification, and each step of the method is described.

The implementation example of a credit-based interactive processing method provided in this manual is as follows:

Referring to FIG. 1, it shows a processing flowchart of a credit-based interactive processing method provided by an embodiment of this specification, and referring to FIG. 2(a), which shows a credit interaction relationship provided by an embodiment of this specification Refer to Figure 2(b), which shows a schematic diagram of a credit interaction relationship network provided by an embodiment of this specification. Refer to Figure 3, which shows a credit interaction provided by an embodiment of this specification. For a schematic diagram of the relationship chain, refer to FIG. 4, which shows a schematic diagram of a credit relationship display page provided by an embodiment of this specification. Refer to FIG. 5, which shows a kind of personal credible information provided by an embodiment of this specification. Schematic diagram of the display page.

Step S102: Obtain an interactive request submitted by an interactive user for the selected target user.

The interactive user in this embodiment refers to a party that initiates an interactive activity, that is, a user who makes an interaction request to interact with a user of the other party, and the user of the other party is called a target user. For example, the interactive users who participate in public welfare activities by signing a credit agreement between users are the issuers who request the public welfare activity invitation, and those who are invited to participate in the public welfare activities are the target users. For another example, the interactive user in credit interaction activities such as credit lending or credit transfer by signing a credit agreement between users is the user who makes a loan request or transfer request, and the lending object for the loan request or the transfer object for the transfer request is that For the target user.

This embodiment takes credit contract interactive activities and credit transaction activities as examples to illustrate the interactive processing process in the credit contract interactive activities and credit transaction activities. It should be noted that the embodiments of the present application are not limited to credit contract interactive activities and credit transaction activities, and may also be credit loan-to-goods interactive activities or credit-lending interactive activities with credit as collateral, which are not limited.

During specific implementation, this step obtains the interactive request submitted by the interactive user for the target user after the interactive user selects the target user. On this basis, by submitting the interactive request To initiate interaction with the target user. Specifically, after the interaction request submitted by the interactive user interacting with the target user is obtained, the target user is evaluated for the credibility of the interaction through the following steps S104 to S110, and finally in the interaction Based on the credibility evaluation, it is determined whether to process the interaction initiated by the interactive user with respect to the target user.

For example, user A selects user B in his friend list as the target user for public welfare activity interaction, and initiates the public welfare activity interaction by initiating an invitation request to establish a public welfare activity credit contract for target user B. Alternatively, user A selects user C in his friend list as the target user for credit transfer interaction, and initiates the credit transfer interaction by initiating an invitation request to establish a credit transfer contract for target user C.

Step S104: Obtain the credit information of the interactive user and the target user and the historical interaction records generated by participating in the interaction.

After receiving the interaction request for the interactive user to interact with the target user, evaluate the credibility of the interaction between the interactive user and the target user, that is, to evaluate the target user relative to all the target users. The interactive credibility of the interactive user is evaluated. Specifically, in the evaluation process, first obtain the credit information of the interactive user and the historical interaction record of participating in interactive generation, and obtain the credit information of the target user and the historical interaction record of participating in interactive generation, and then obtain the information in the Based on the credit information and historical interaction records of the interactive user and the target user, the interactive credibility of the target user relative to the interactive user is evaluated.

For example, obtaining the credit information of user A as an interactive user is user A's credit score (800 points) on the credit platform, and obtaining historical interaction records generated by user A's past participation in interactions: signing a credit transfer contract with user B Transfer interaction record A1 generated by the transfer interaction, charity interaction record A2 generated by the charity interaction with user B by signing a charity activity credit contract, and charity interaction record A3 generated by the charity interaction with user C by signing a charity activity credit contract , The loan interaction record A4 generated by the loan interaction with the user D by signing a credit loan contract.

And, obtaining the credit information of user B as the target user is the credit score of user B on the credit platform (750 points), and obtaining the historical interaction records generated by user B's previous participation in interactions: signing a credit transfer contract with user A The transfer interaction record B1 generated by the transfer interaction, the charity interaction record B2 generated by the charity interaction with the user A by signing a charity activity credit contract, and the lending interaction record B3 generated by the borrowing interaction with the user E by signing the credit loan contract.

Step S106: Construct a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction record.

The credit interaction relationship chain is obtained after the credit interaction relationship network of two or more users having an interaction relationship is connected according to the interaction relationship. In the scenario provided in this embodiment in which the interactive user interacts with the target user by submitting the interactive request, the credit interaction relationship chain consists of the interactive user's credit interaction relationship network and the target user. The user's credit interactive relationship network is obtained after connecting according to the interactive relationship between the two parties.

It should be noted that the number of target users in this embodiment is one, and this is taken as an example for description. In addition, the user data of the target user may also be two or more than two, that is, the interactive user interacts with two or more target users at the same time by submitting the interaction request, The specific realization process is similar to the realization process of a target user. The difference is that when interacting with multiple target users, the credit interaction relationship chain between each target user and the interactive user needs to be constructed separately, and calculated separately based on this The interactive credibility score of each target user relative to the interactive user.

Wherein, the credit interaction network refers to the connection between the user's credit information and historical interaction records, and on the basis of generating the node corresponding to each credit information and the node corresponding to each historical interaction record, the user is The core establishes the interconnection relationship between these nodes to construct a credit interaction network.

In an optional implementation manner provided in this embodiment, the credit interaction relationship chain between the interactive user and the target user is specifically constructed in the following manner:

(1) separately constructing a credit interaction network of the interactive user and the target user;

Based on the connection relationship between the credit information of the interactive user and the historical interaction record of the interactive user, construct a composition composed of each node corresponding to the interactive user's credit information and each node corresponding to the interactive user's historical interaction record The first credit interaction network of the interactive user;

And, based on the interaction relationship between the target user's credit information and the target user's historical interaction record, construct each node corresponding to the target user's credit information and each target user's historical interaction record The second credit interaction network of the target user composed of nodes;

(2) Constructing a credit interaction relationship chain between the interactive user and the target user based on the credit interaction relationship network of the interactive user and the target user.

According to the interaction relationship between the historical interaction record of the interactive user and the historical interaction record of the target user, for the node corresponding to the interaction relationship in the first credit interaction relationship network, in the second credit interaction Corresponding nodes in the relationship network establish a Unicom relationship between the two nodes. After the Unicom relationship is established, a target credit interactive relationship network composed of the first credit interactive relationship network and the second credit interactive relationship network is obtained, then the target credit The interactive relationship network serves as the credit interactive relationship chain between the interactive user and the target user.

Following the above example, on the basis of obtaining the credit information of the interactive user A and the historical interaction data generated by the interaction in the past, constructing the first credit interaction network for obtaining the interactive user A is shown in Figure 2(a); Among them, node a is the node corresponding to user A's identity ID, node a0 is the node corresponding to user A's credit score (800 points) on the credit platform, and node a1 is user A and user B signing a credit transfer contract to transfer money The node corresponding to the interactively generated transfer interaction record A1. Node a2 is the node corresponding to the public welfare interaction record A2 generated by user A and user B by signing a public welfare activity credit contract. Node a3 is the node for user A and user C to sign The node corresponding to the public welfare interaction record A3 generated by the public welfare activity credit contract, and the node a4 is the loan interaction record A4 generated by the user A and the user D by signing a credit loan contract for the loan interaction;

And, on the basis of the above-mentioned credit information of the interactive user B obtained and the historical interactive data generated by the interaction in the past, a second credit interactive relationship network for obtaining the target user B is constructed as shown in Figure 2(b), in which, Node b is the node corresponding to user B's identity ID, node b0 is the node corresponding to user B's credit score (750 points) on the credit platform, and node b1 is the interaction generated by user B and user A by signing a credit transfer contract. The node corresponding to the transfer interaction record B1, node b2 is the node corresponding to the public welfare interaction record B2 generated by user B and user A by signing a public welfare activity credit contract, and node b3 is the node for user B and user E to sign a credit loan Lending and lending interaction record B3 generated by borrowing and lending interactions in the form of contracts;

For interactive user A and target user B, the nodes with interactive relationship in the credit interaction network of the two include the following two pairs. The first pair is the transfer interaction record A1 corresponding to the transfer interaction record A1 and the transfer interaction record. The node b1 corresponding to B1, the second pair is the node a2 corresponding to the public welfare interaction record A2 and the node b2 corresponding to the public welfare interaction record B2;

Based on this, the connection relationship between node a1 and node b1, node a2 and node b2 is established. After the connection relationship is established, the relationship between interactive user A and target user B constructed based on the credit interaction network of both interactive user A and target user B is obtained. The credit interaction relationship chain is shown in Figure 3.

Step S108: Calculate the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain.

The credibility scoring in this embodiment refers to the credit score determined by the credit evaluation of each user by the credit platform, supplemented by the historical and in-transit interaction types, interaction importance, and interaction between the user and the user. Multiple interaction dimensions, such as quality and interaction frequency, comprehensively evaluate the user's credit, so as to quantify the result score of the user's credibility relative to other users. It should be noted that each user has a unique score relative to another user, that is, the credibility score of another user when interacting with the user is unique.

In an optional implementation manner provided in this embodiment, the following method is specifically used to calculate the credibility score of the interactive user's interaction with the target user, that is, the target user's credibility score relative to the interactive user Degree score:

(1) Determine the pair of credit interaction nodes that have an interaction relationship in the credit interaction relationship chain, and the credit node corresponding to the credit score of the target user;

(2) According to the credit score of the target user corresponding to the credit node and the credit weight corresponding to the credit node, and the interaction weight of each credit interaction node on the interaction target in each interaction dimension corresponding to each interaction dimension, calculate the The credibility score of the interactive user's interaction with the target user.

Still taking interactive user A and target user B as an example, as shown in Figure 3, the credit interaction node pairs that have an interactive relationship in the credit interaction relationship chain of interactive user A and target user B include the following two pairs, the first pair has The credit interaction node pair a1-b1 formed by the node a1 corresponding to the transfer interaction record A1 and the node b1 corresponding to the transfer interaction record B1, the second pair is the node a2 corresponding to the public welfare interaction record A2 with the public welfare interaction relationship The credit interaction node pair a2-b2 formed by the two nodes b2 corresponding to the public welfare interaction record B2;

At the same time, the credit node corresponding to the credit score (750 points) of target user B is node b0;

Further, according to the credit weight ω1 corresponding to the credit node b0 and the credit node, the interaction dimension of the credit interaction node pair a1-b1 is the transaction dimension, and the credit interaction node pair a1-b1 interacts under the transaction dimension as the amount of transfer funds (5000 Yuan), the interaction weight under this transaction dimension is ω2; the interaction dimension of the credit interaction node pair a2-b2 is the public welfare interaction dimension, and the interaction target of the credit interaction node pair a2-b2 under the public welfare interaction dimension is the duration of public welfare participation (3h) , The interaction weight under the dimension of public welfare interaction is ω3;

Based on this, the credibility score of target user B relative to interactive user A is calculated as: credit points*ω1+transfer fund amount*ω2+non-profit participation duration*ω3=750*ω1+5000*ω2+3*ω3.

Step S110, in a case where the credibility score is greater than the credible relationship threshold, interactive processing is performed on the interaction request.

After the credibility score of the interaction between the interactive user and the target user obtained based on the above calculation, the credibility score obtained by the calculation is compared with a preset credibility relationship threshold, if the credibility is If the degree score is greater than the credible relationship threshold, it indicates that the target user has a higher credibility relative to the interactive user. Therefore, the interaction between the interactive user and the target user has a low probability of existence or risk. Then, it is sufficient to perform interactive processing on the interaction request submitted by the interactive user for the target user.

For example, user A selects user B in his friend list as the target user for public welfare activity interaction, and initiates the public welfare activity interaction by initiating an invitation request to establish a public welfare activity credit contract for target user B, and conducts the public welfare activity Interactive processing specifically refers to sending interactive user A to target user B inviting him to sign an invitation to sign a credit contract for public welfare activities. After target user B agrees to the invitation, the two parties reach a contractual consensus on participating in public welfare activities.

Further, in order to improve the management of the target user by the interactive user based on the degree of interactive credibility, after the interactive processing of the interactive request submitted by the interactive user for the target user, the target user is added to the target user. The trusted user list of the interactive user is used to manage target users with a high degree of credibility during the interaction process with the help of the trusted user list, and by sending to the target user a display page carrying the trusted user list The list of trusted users is displayed to the target user in a manner so that the interactive user can perceive the target user with a higher degree of credibility in the interaction process in a timely manner, thereby facilitating the interaction between the interactive user and the target user with a higher degree of credibility. Interactive.

In addition, if the credibility score of the interactive user interacting with the target user is less than or equal to the credible relationship threshold, optionally, the credibility score is further combined with a preset untrusted relationship The threshold value is compared, and if the credibility score is less than or equal to the untrustworthy relationship threshold, it is determined whether the interaction trustworthiness rate of the target user is less than a preset interaction trustworthiness threshold;

If it is, it indicates that the target user’s interaction trustworthiness rate in the past participating in the interaction is low, and the risk of interacting with the target user is high, then the target is sent to the terminal device of the interactive user who submitted the interaction request. The user is an untrustworthy user's risk alert, and the risk alert carries the target user's credibility score and the target user's interaction trustworthiness rate, so as to remind the interactive user of the target user's choice The credibility is low, so as to reduce the risk caused by the interaction between the interactive user and the target user with a low credibility;

If not, it indicates that the interaction trustworthiness rate of the target user who participated in the interaction in the past has not been lower than the reminder threshold, and it does not need to be processed.

Wherein, the interaction trustworthiness rate refers to the ratio of the number of interactions that the target user participates in and successfully completes the interaction to the total number of interactions that participate in the interaction. For example, the total number of interactions that the target user B participates in the interaction is 100, of which the successful completion The number of interactive interactions is 97, and the interaction trustworthiness rate of target user B is 97/100=97%.

Further, after the above-mentioned risk prompt that the target user is an untrusted user is sent to the terminal device of the interactive user who submitted the interaction request, by adding the target user to the interactive user's untrusted user list, Target users with low credibility (higher untrustworthiness) are managed, and the untrusted user list is displayed to the target user by sending a display page carrying the untrusted user list to the target user Therefore, the interactive user can perceive the target user with a lower credibility in time, thereby reducing the risk caused by the interaction between the interactive user and the target user with a lower credibility.

Furthermore, for the above-determined trusted users recorded in the trusted user list, or untrusted users recorded in the untrusted user list, in order to further improve the availability of trusted users in the trusted user list The perception of trustworthiness, or the perception of the untrustworthiness of untrusted users in the list of untrusted users, this embodiment provides an alternative implementation manner, after receiving any user identification displayed on the display page After the touch command, determine the viewed user corresponding to the user identification triggered by the touch command, and read the user information, credit information, credibility score, and interaction information of the viewed user, and based on the display Page to display.

In addition, after receiving a touch command for any user ID displayed on the display page, the credential type of the viewed user's credential and the access of the credential credential of each credential type can also be displayed based on the display page. Interface, and after receiving an access application for any access interface, send an access application to the viewed user, and if the viewed user authorizes the access application, read the credential type corresponding to the access interface Credit certificate and display.

As shown in FIG. 4, the credit relationship display page of user A is provided with a trusted relationship list and an untrusted relationship list. When the trusted relationship list in the trusted relationship display page is in the display shown in FIG. 4 In the status, if user A clicks on the avatar of any trusted user (user B as an example) in the trusted relationship list, the personal trusted information display page of the clicked user (user B) will be displayed, as shown in the figure Shown in 5;

Among them, the personal credible information display page displays three credit vouchers: "Real Estate Certificate", "Drive Certificate" and "Deposit Certificate". If User A wants to apply for User B's "Real Estate Certificate", "Drive Certificate" and For one or more of the 3 credit vouchers of "Proof of Deposit", an access application can be sent to user B by clicking on the icon of the credit vouchers, and user B will display the corresponding credit vouchers for access and review after authorization.

In specific implementation, after the credit information and the historical interaction record of the interactive user and the target user are acquired in the above step S102, and before the interactive processing of the interaction request is performed in the above step S110, the The risk caused by the interaction between the interactive user and the target user with a low degree of credibility. In an optional implementation manner provided in this embodiment, the evaluation is made based on the interaction type of the interaction request submitted by the interactive user. Whether the target user has corresponding interaction risk in this interaction type, and if there is interaction risk, a more targeted risk reminder is given to the interactive user, so as to reduce the interaction risk of the interactive user. Realize as follows:

1) Determine the interaction type to which the interaction request belongs;

2) Query the interaction record of the interaction type in the interaction record of the target user in the interactive state as a risk interaction record;

3) Based on the found risk interaction record, generating a risk interaction reminder that the target user has a risk interaction and is sent to the terminal device of the interactive user who submitted the interaction request;

For example, interactive user A and target user C make a corresponding interaction request for fund lending interaction, the interaction type to which the interaction request belongs is the interaction type of fund lending interaction, and query whether target user C is in a fulfilling state to sign a credit fund lending contract, If so, the mobile terminal that made the interaction request of the fund lending interaction of interactive user A sends a reminder that target user C currently has an outstanding credit fund loan contract, thereby reminding interactive user A that the current credit loan is possible to target user C There will be risks, in order to avoid the situation that the interactive object of the interactive user A (target user C) has multiple credit fund loan contracts signed with multiple people and cannot be repaid or not repaid.

In addition, in a specific implementation, after the credit information and the historical interaction record of the interactive user and the target user are acquired in the above step S102, and before the interactive processing of the interaction request is performed in the above step S110, In order to reduce the risk caused by the interaction between the interactive user and the target user with a lower credibility, in an optional implementation manner provided in this embodiment, the target user is evaluated based on the historical interaction record of the target user Whether there is a corresponding interaction risk, and if there is an interaction risk, a more targeted risk reminder is made to the interactive user, so as to reduce the interaction risk of the interactive user, which is implemented in the following ways:

1) Search the historical interaction records of the target user for risk interaction records in which the target user participates in the interaction as an interaction target within a preset time interval;

2) Based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction is sent to the terminal device of the interaction user who submitted the interaction request.

To sum up, the credit-based interactive processing method starts from the target user for which the interactive request submitted by the interactive user is directed, and records the credit information of the interactive user and the target user and the historical interaction records generated by participating in the interaction. On the basis of, construct a credit interaction relationship chain that characterizes the interaction relationship and credit relationship between the interactive user and the target user, and calculate the relationship between the target user and the interactive user by means of the established credit interaction relationship chain The credibility score is used as an evaluation of the credibility of the interaction between the interactive user and the target user, so as to reduce or even avoid the interaction caused by the interaction between the interactive user and the target user with a lower credibility Risks, to ensure the authenticity and safety of interactive activities between users.

The implementation example of a credit-based interactive processing device provided in this specification is as follows:

In the above-mentioned embodiment, a credit-based interactive processing method is provided, and correspondingly, a credit-based interactive processing device is also provided, which is described below with reference to the accompanying drawings.

Referring to FIG. 6, it shows a schematic diagram of a credit-based interactive processing apparatus provided by this embodiment.

Since the device embodiment is basically similar to the method embodiment, the description is relatively simple. For related parts, please refer to the corresponding description of the method embodiment provided above. The device embodiments described below are merely illustrative.

This specification provides a credit-based interactive processing device, including:

The interactive request obtaining module 602 is configured to obtain the interactive request submitted by the interactive user for the selected target user;

The historical interaction record acquiring module 604 is configured to acquire the credit information of the interactive user and the target user and the historical interaction records generated by participating in the interaction;

The credit interaction relationship chain construction module 606 is configured to construct a credit interaction relationship chain based on the credit information and the historical interaction records of the interactive user and the target user;

The credibility score calculation module 608 is configured to calculate the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain;

The interaction processing module 610 is configured to perform interactive processing on the interaction request when the credibility score is greater than the credible relationship threshold.

Optionally, the credit interaction relationship chain building module 606 includes:

The credit interactive relationship network construction sub-module is configured to construct each node corresponding to the interactive user’s credit information, the said interactive user’s credit information based on the connected relationship between the interactive user’s credit information and the interactive user’s historical interaction record The first credit interaction relationship network of the interactive user composed of various nodes corresponding to the historical interaction record of the interactive user; and constructing based on the interactive relationship between the credit information of the target user and the historical interaction record of the target user The second credit interaction relationship network of the target user composed of various nodes corresponding to the credit information of the target user and various nodes corresponding to the historical interaction record of the target user;

The credit interaction relationship chain construction sub-module is configured to establish the interaction relationship in the first credit interaction relationship network according to the interaction relationship between the historical interaction record of the interactive user and the historical interaction record of the target user The connection relationship between the corresponding node and the corresponding node in the second credit interaction relationship network will be the target credit formed by the first credit interaction relationship network and the second credit interaction relationship network after the establishment of the connection relationship The interactive relationship network serves as the credit interactive relationship chain.

Optionally, the credibility score calculation module 608 includes:

A credit interaction node pair determining sub-module, configured to determine the credit interaction node pair having an interaction relationship in the credit interaction relationship chain, and the credit node corresponding to the credit score of the target user;

The credibility scoring calculation sub-module is configured to calculate the target user’s credit score corresponding to the credit node and the credit weight corresponding to the credit node, and each credit interaction node pairs the interaction targets and interactions in each interaction dimension. The interaction weight corresponding to the dimension calculates the credibility score of the interaction user interacting with the target user.

Optionally, the credit-based interactive processing device includes:

The credibility score judging module is configured to determine whether the target user’s interaction trustworthiness rate is less than a preset interaction trustworthiness threshold when the trustworthiness score is less than or equal to the untrustworthy relationship threshold; if so, to the submission office Sending, by the terminal device of the interactive user of the interactive request, a risk reminder that the target user is an untrusted user;

Optionally, the credit-based interactive processing device includes:

An interaction type determining module, configured to determine the interaction type to which the interaction request belongs;

The risk interaction record query module is configured to query the interaction record of the interaction type as the risk interaction record among the interaction records of the target user in an interactive state;

A risk interaction reminder sending module, configured to generate a risk interaction reminder that the target user has a risk interaction and is sent to the terminal device of the interaction user who submitted the interaction request based on the found risk interaction record;

Optionally, the credit-based interactive processing device includes:

A query module, configured to search for a risk interaction record in which the target user participates in an interaction as an interaction target in a preset time interval in the historical interaction record of the target user;

The reminder module is configured to generate, based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction and is sent to the terminal device of the interaction user who submitted the interaction request.

Optionally, the credit-based interactive processing device includes:

The trusted user list display module is configured to add the target user to the trusted user list of the interactive user, and send a display page carrying the trusted user list to the target user The target user displays the list of trusted users.

Optionally, the credit-based interactive processing device includes:

The untrusted user list display module is configured to add the target user to the untrusted user list of the interactive user, and send a display page carrying the untrusted user list to the target user. The target user displays the list of untrusted users.

Optionally, the credit-based interactive processing device includes:

The viewed user determining module is configured to determine the viewed user corresponding to the user identifier triggered by the touch instruction after receiving a touch instruction for any user identifier displayed on the display page;

The display module is configured to read the user information, credit information, credibility score and interaction information of the viewed user, and display based on the display page.

Optionally, the credit-based interactive processing device includes:

An access interface display module configured to display the credential types of the viewed user's credential and the access interface of the credential credential of each credential type based on the display page;

The access application issuing module is configured to send an access application to the viewed user after receiving an access application for any access interface;

The credit voucher display module is configured to read and display the credit voucher of the voucher type corresponding to the access interface if the viewed user authorizes the access application.

The credit-based interaction processing device provided in this specification uses the interaction request acquisition module 602, the historical interaction record acquisition module 604, the credit interaction relationship chain construction module 606, the credibility score calculation module 608, and the The cooperation between the interaction processing module 610 is based on the target user for which the interactive request submitted by the interactive user is interactive, based on the credit information of the interactive user and the target user and the historical interaction records generated by participating in the interaction, Construct a credit interaction relationship chain that characterizes the interaction relationship and credit relationship between the interactive user and the target user, and calculate the credibility of the target user relative to the interactive user by means of the constructed credit interaction relationship chain The score is used as an evaluation of the credibility of the interaction between the interactive user and the target user, so as to reduce or even avoid the interaction risk caused by the interaction between the interactive user and the target user with a lower credibility, and ensure the user The authenticity and safety of interactive activities.

An example of a computing device provided in this specification is as follows:

FIG. 7 is a structural block diagram of a computing device 700 provided according to an embodiment of the present specification. The components of the computing device 700 include, but are not limited to, a memory 710 and a processor 720. The processor 720 and the memory 710 are connected through a bus 730, and the database 750 is used to store data.

The computing device 700 also includes an access device 740 that enables the computing device 700 to communicate via one or more networks 760. Examples of these networks include a public switched telephone network (PSTN), a local area network (LAN), a wide area network (WAN), a personal area network (PAN), or a combination of communication networks such as the Internet. The access device 740 may include one or more of any type of wired or wireless network interface (for example, a network interface card (NIC)), such as IEEE802.11 wireless local area network (WLAN) wireless interface, global interconnection for microwave access ( Wi-MAX) interface, Ethernet interface, universal serial bus (USB) interface, cellular network interface, Bluetooth interface, near field communication (NFC) interface, etc.

In an embodiment of this specification, the aforementioned components of the computing device 700 and other components not shown in FIG. 7 may also be connected to each other, for example, via a bus. It should be understood that the structural block diagram of the computing device shown in FIG. 7 is only for the purpose of example, and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.

The computing device 700 can be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (for example, a tablet computer, a personal digital assistant, a laptop computer, a notebook computer, a netbook, etc.), a mobile phone (for example, a smart phone). ), wearable computing devices (for example, smart watches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs. The computing device 700 may also be a mobile or stationary server.

This specification provides a computing device, including a memory 710, a processor 720, and computer instructions stored in the memory and running on the processor, and the processor 720 is configured to execute the following computer executable instructions:

Optionally, the processor 720 is further configured to execute the following computer executable instructions:

Optionally, after the acquisition of the credit information of the interactive user and the target user and the historical interaction record instruction generated by participating in the interaction is executed, and in the case where the credibility score is greater than a credible relationship threshold, Before executing the interactive processing instructions for the interactive request, the processor 720 is further configured to execute the following computer-executable instructions:

Determine the interaction type to which the interaction request belongs;

Optionally, after the acquisition of the credit information of the interactive user and the target user and the historical interaction record instruction generated by participating in the interaction is executed, and in the case where the credibility score is greater than a credible relationship threshold, Before executing the interactive processing instructions for the interactive request, the processor 720 is further configured to execute the following computer executable instructions:

Optionally, the processor 720 is further configured to execute the following computer-executable instructions after executing the interactive processing instructions on the interactive request when the credibility score is greater than the credible relationship threshold:

Optionally, after the step of sending a risk prompt that the target user is an untrusted user to the terminal device of the interactive user who submitted the interaction request is executed, the processor 720 is further configured to execute the following computer executable instructions :

Optionally, after receiving a touch instruction for any user identifier displayed on the display page, the processor 720 determines that the viewed user instruction corresponding to the user identifier triggered by the touch instruction is executed. It is also used to execute the following computer executable instructions:

An example of a computer-readable storage medium provided in this specification is as follows:

The foregoing is a schematic solution of a computer-readable storage medium of this embodiment. It should be noted that the technical solution of the storage medium belongs to the same concept as the technical solution of the credit-based interactive processing method described above. For details that are not described in detail in the technical solution of the storage medium, please refer to the above-mentioned credit-based interactive processing method. Description of the technical solution.

The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims may be performed in a different order than in the embodiments and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The computer instructions include computer program codes, and the computer program codes may be in the form of source code, object code, executable files, or some intermediate forms. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory) , Random Access Memory (RAM, Random Access Memory), electrical carrier signal, telecommunications signal, and software distribution media, etc. It should be noted that the content contained in the computer-readable medium can be appropriately added or deleted according to the requirements of the legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to the legislation and patent practice, the computer-readable medium Does not include electrical carrier signals and telecommunication signals.

It should be noted that for the foregoing method embodiments, for simplicity of description, they are all expressed as a series of action combinations, but those skilled in the art should know that the embodiments of this specification are not subject to the described sequence of actions. Limitation, because according to the embodiments of this specification, some steps can be performed in other order or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the involved actions and modules are not necessarily all required by the embodiments of the specification.

In the above-mentioned embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in an embodiment, please refer to related descriptions of other embodiments.

The preferred embodiments of this specification disclosed above are only used to help explain this specification. The optional embodiment does not describe all the details in detail, nor does it limit the invention to only the described specific embodiments. Obviously, many modifications and changes can be made according to the content of the embodiments of this specification. This specification selects and specifically describes these embodiments in order to better explain the principles and practical applications of the embodiments of this specification, so that those skilled in the art can understand and use this specification well. This description is only limited by the claims and their full scope and equivalents.

Claims

A credit-based interactive processing method, including:

Obtain the interactive request submitted by the interactive user for the selected target user;

Acquiring the credit information of the interactive user and the target user and the historical interaction record generated by participating in the interaction;

Constructing a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction record;

Calculating the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain;

In a case where the credibility score is greater than the credible relationship threshold, interactive processing is performed on the interaction request.
The credit-based interaction processing method according to claim 1, wherein the construction of a credit interaction relationship chain based on the credit information of the interaction user and the target user and the historical interaction record comprises:

Based on the connection relationship between the credit information of the interactive user and the historical interaction record of the interactive user, construct a composition composed of each node corresponding to the interactive user's credit information and each node corresponding to the interactive user's historical interaction record The first credit interaction network of the interactive user; and, based on the interactive relationship between the target user’s credit information and the target user’s historical interaction record, construct each of the target user’s credit information corresponding to the interactive relationship The second credit interaction network of the target user composed of nodes and the respective nodes corresponding to the historical interaction records of the target user;

According to the interaction relationship between the historical interaction record of the interactive user and the historical interaction record of the target user, the node corresponding to the interaction relationship in the first credit interaction relationship network is established to interact with the node in the second credit interaction relationship. For the connection relationship between corresponding nodes in the relationship network, the target credit interaction relationship network composed of the first credit interaction relationship network and the second credit interaction relationship network after the establishment of the connection relationship is used as the credit interaction relationship chain.
The credit-based interaction processing method according to claim 2, wherein the calculation of the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain includes:

Determining a pair of credit interaction nodes having an interaction relationship in the credit interaction relationship chain, and a credit node corresponding to the credit score of the target user;

Calculate the interactive user according to the credit score of the target user corresponding to the credit node and the credit weight corresponding to the credit node, and the interaction weight of each credit interaction node on the interaction target in each interaction dimension corresponding to each interaction dimension The credibility score for the target user's interaction.
The credit-based interactive processing method according to claim 1, comprising:

In a case where the credibility score is less than or equal to the untrustworthy relationship threshold, judging whether the interaction trustworthiness rate of the target user is less than a preset interaction trustworthiness threshold;

If yes, send a risk reminder that the target user is an untrusted user to the terminal device of the interactive user who submitted the interaction request;

Wherein, the risk prompt carries the credibility score of the target user and the interaction trustworthiness rate of the target user; the interaction trustworthiness rate refers to the number of interactions and participation of the target user who participated in and successfully completed the interaction The ratio of the total number of interactions.
The credit-based interactive processing method according to claim 1, after the steps of acquiring the credit information of the interactive user and the target user and participating in the interactive generation of historical interactive records are performed, and the said credibility is In the case where the score is greater than the credible relationship threshold, the step of performing interactive processing on the interactive request before execution includes:

Determine the interaction type to which the interaction request belongs;

Query the interaction record of the interaction type in the interaction record of the target user in an interaction state as a risk interaction record;

Generating, based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction that is sent to the terminal device of the interaction user who submitted the interaction request;

Wherein, the risk interaction reminder includes the interaction type and the number of risk interaction records.
The credit-based interactive processing method according to claim 1, after the steps of acquiring the credit information of the interactive user and the target user and participating in the interactive generation of historical interactive records are performed, and the said credibility is In the case where the score is greater than the credible relationship threshold, the step of performing interactive processing on the interactive request before execution includes:

Searching the historical interaction records of the target user for risk interaction records in which the target user participates in the interaction as an interaction target in a preset time interval;

Based on the found risk interaction record, a risk interaction reminder that the target user has a risk interaction and sent to the terminal device of the interaction user who submitted the interaction request is generated.
The credit-based interactive processing method according to claim 1, wherein said step of performing interactive processing on said interactive request when said credibility score is greater than a credible relationship threshold includes:

The target user is added to the trusted user list of the interactive user, and the trusted user list is displayed to the target user by sending a display page carrying the trusted user list to the target user.
According to the credit-based interactive processing method according to claim 4, after the step of sending a risk prompt that the target user is an untrusted user to the terminal device of the interactive user submitting the interactive request is executed, the method comprises:

The target user is added to the untrusted user list of the interactive user, and the untrusted user list is displayed to the target user by sending a display page carrying the untrusted user list to the target user.
The credit-based interactive processing method according to claim 7 or 8, comprising:

After receiving a touch instruction for any user identification displayed on the display page, determine the user to be viewed corresponding to the user identification triggered by the touch instruction;

Read the user information, credit information, credibility score, and interaction information of the viewed user, and display based on the display page.
The credit-based interactive processing method according to claim 9, wherein after receiving a touch instruction for any user identification displayed on the display page, it is determined that the user identification triggered by the touch instruction is correspondingly viewed After the user steps are executed, they include:

Based on the display page, display the credential type of the credential certificate of the viewed user and the access interface of the credential certificate of each credential type;

After receiving an access application for any access interface, send an access application to the viewed user;

If the viewed user authorizes the access application, the credit certificate of the credential type corresponding to the access interface is read and displayed.
A credit-based interactive processing device, including:

The interactive request obtaining module is configured to obtain the interactive request submitted by the interactive user for the selected target user;

The historical interaction record obtaining module is configured to obtain the credit information of the interactive user and the target user and the historical interaction record generated by participating in the interaction;

A credit interaction relationship chain construction module, configured to construct a credit interaction relationship chain based on the credit information and the historical interaction records of the interactive user and the target user;

A credibility score calculation module configured to calculate the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain;

The interactive processing module is configured to perform interactive processing on the interactive request when the credibility score is greater than the credible relationship threshold.
A computing device including:

Memory and processor;

The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions:

Obtain the interactive request submitted by the interactive user for the selected target user;

Acquiring the credit information of the interactive user and the target user and the historical interaction record generated by participating in the interaction;

Constructing a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction record;

Calculating the credibility score of the interactive user's interaction with the target user based on the credit interaction relationship chain;

In a case where the credibility score is greater than the credible relationship threshold, interactive processing is performed on the interaction request.
A computer-readable storage medium that stores computer instructions, which, when executed by a processor, implement the credit-based interactive processing method described in any one of claims 1 to 10.