An event-triggered multi-party data association query method and device

A data association and query method technology, which is applied in the field of data processing, can solve problems such as arrears of repayment and low credit scores, and achieve the effects of comprehensive evaluation, avoiding information leakage, and protecting user privacy

Active Publication Date: 2022-02-18
武汉稀云科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Assuming that the user has applied for credit cards from one or more other banks before, and has defaulted on repayment for many times, and the evaluation result is that the credit score is low, the bank will prevent the user from continuing to apply for a credit card

Method used

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  • An event-triggered multi-party data association query method and device
  • An event-triggered multi-party data association query method and device
  • An event-triggered multi-party data association query method and device

Examples

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Embodiment 1

[0066] The embodiment of the present invention provides an event-triggered multi-party data association query method, which is used to solve the problem that in the prior art, the data user cannot communicate with the data source when performing data evaluation, and the data user can only obtain data from the data source. A final evaluation result is obtained, but the corresponding evaluation criteria cannot be known, and the evaluation criteria cannot be formulated according to one's own needs, so as to obtain the required evaluation results.

[0067] In order to solve the above problems, the present invention introduces a data connection platform as a third party between the data user and the data source, such as figure 2 As shown, the data user can specifically be a bank, a hospital, various enterprise companies, etc., which is not limited here. With the help of this platform, the multi-party data association query method provided by the embodiment of the present invention...

Embodiment 2

[0101] It can be seen from Example 1 that the number of data sources can be one or more, and the data access platform can perform data access evaluation based on one or more data sources. On the basis of Embodiment 1, the embodiments of the present invention take only one data source and at least two data sources as examples respectively, combined with the following Figure 7 and Figure 9 The frame diagram shown provides the specific implementation process of two event-triggered multi-party data association query methods. At the same time, the embodiment of the present invention takes only one evaluation strategy pre-stored in the data access platform as an example. When multiple evaluation strategies are pre-stored in the data access platform, the business identifier and evaluation strategy are added on the basis of the embodiment of the present invention. The matching process is enough, or in the scenario where there is no business identifier, the data user can select the ...

Embodiment 3

[0124] On the basis of the above-mentioned embodiment 2, the embodiment of the present invention takes the bank as the data user as an example, combining Figure 12 The signaling structure diagram shown illustrates the specific implementation process of the event-triggered multi-party data association query method under the application scenarios of handling three different banking services.

[0125] Among them, there are two data sources connected to the data connection platform selected by the bank here, namely the bank data source and the operator data source; the bank data source stores the bank's own user data, and the operator data source stores the The operator's network behavior data can reflect the user's behavior. The structure in the dotted box in the figure represents the data access platform, which includes a data strategy definition module, a data drive module, a data result fusion module and two data source agents, which are respectively recorded as bank-side dat...

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Abstract

The present invention relates to the technical field of data processing, and specifically provides an event-triggered multi-party data association query method and device. The method includes: triggering a corresponding action event when a user submits a service application to a data user, and sending a trigger event to the data connection platform request; after the data access platform receives the trigger request, it will access and evaluate the data source according to the pre-stored evaluation strategy, and feed back the evaluation result to the data user; the data user judges whether the user is the target customer of the current business based on the evaluation result, and Perform business processing; among them, the evaluation strategy is pre-formulated by the data user or the data access platform, and saved in the data access platform. The present invention sets up a data connection platform between the data user and the data source, and the data user can use the platform to formulate an evaluation strategy according to the demand, which not only protects the privacy of the user, but also enables the data user to obtain the required evaluation according to its own needs result.

Description

【Technical field】 [0001] The invention relates to the technical field of data processing, and specifically provides an event-triggered multi-party data association query method and device. 【Background technique】 [0002] With the development of the Internet, the Internet has become an important means of releasing information, promoting business, serving customers, and communicating with employees. More and more users use the Internet to meet their own needs. When a user applies to an institution to perform an operation through a website, APP or manual counter, for example, a user applies to a bank for a credit card or loan application through a website, APP or manual counter, etc., the institution usually first obtains information related to the user. The evaluation result corresponding to the operation applied for, and then judge whether the user is suitable for performing the operation applied for according to the evaluation result. After judging that it is suitable, the o...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F16/2458G06F16/248
CPCG06F16/2462G06F16/248
Inventor 雷正
Owner 武汉稀云科技有限公司
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