Credit report generation method and system

Abstract

The invention discloses a credit report generation method and system. The method comprises the following steps of receiving a credit report generation request; judging whether authorization information corresponding the credit report generation request exists in an authorization information database or not, wherein, the authorization information comprises an authorization code and a taxpayer identification number; if so, sending the authorization information to a credit data source system, receiving and storing basic data returned from the credit data source system; preprocessing the basic data to extract key data; generating a credit report in a preset format according to the key data. By adopting the method of obtaining the user authorization and collecting the credit data in real time, the problem of leakage and abuse of the credit data of a user can be solved and the safety of the credit report generation method and system is improved. Real-time processing and real-time parallel statistics analysis are performed on the real-time collected credit data to generate a credit report, so that the problems about timeliness and accuracy of the generated credit data are solved and the user experiences are improved.

Description

technical field [0001] The invention relates to the financial field, in particular to a method and system for generating a credit report. Background technique [0002] With the development of Internet finance, more and more individuals and small and micro enterprises seek financing, lending and other financial services through the Internet. Internet finance has created a demand for personal and corporate credit data services. Knowing the credit information of borrowers can help banks and other financial institutions to more comprehensively understand credit recipients and prevent credit risks such as malicious fraud and excessive debt of borrowers. [0003] Credit investigation is the collection, collation, storage, and processing of credit information of natural persons, legal persons, and other organizations in accordance with the law, and provides external services such as credit reports, credit evaluations, and credit information consultations to help customers judge and...

AI Technical Summary

Problems solved by technology

However, this pre-collection and pre-processing method usually has timeliness and accuracy problems, that is, the collected data may be older data, which cannot truly reflect the current credit situation of the user, and the efficiency of generating credit reports is low. It takes more than one day; moreover, since credit-related data is collected and stored without user authorization, it is easy to cause leakage and abuse of user privacy data

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