Dynamic credit rating system, method and computer readable medium thereof

Abstract

This invention relates to a dynamic credit scoring system and method. When a user wishes to use a financial application service, they must first complete real-name authentication through the real-name authentication mechanism provided by the dynamic credit scoring system. After authentication is completed and the user grants time-limited authorization, the financial application service can select tags defined by the dynamic credit scoring system based on individual service products. The dynamic credit scoring system then calculates the user's credit score based on the user's telecommunications information and the selected tags, thereby solving the problem that existing technologies can only use financial data for credit rating. This invention also provides a computer-readable medium for performing the method of this invention.

Description

Dynamic credit scoring systems, methods and their computer-readable media This invention relates to credit scoring technology, and more particularly to a dynamic credit scoring system, method and computer-readable medium that combines real-name authentication. When people need to borrow money, they usually need to undergo credit scoring, such as by obtaining the user's financial information through the Financial Credit Reference Center to confirm the user's creditworthiness, which then serves as the basis for whether to grant a loan. This type of credit scoring has been in place for many years, and it is through this method that the user's status is confirmed to ensure that the service recipient is qualified. In current credit scoring, users' financial creditworthiness and ability are usually considered. Although this method is objective, there is still room for improvement. For example, when users do not have sufficient financial information, it will be difficult to assess their creditworthiness, and it may not be a reliable basis for scoring. In particular, if users are students or recent graduates, they usually lack such financial information. If users can only be evaluated based on financial information, there will be more inconveniences. Therefore, finding a credit scoring mechanism, especially one that can perform credit rating based on information from other users without referring to the user's financial information, so that those without financial dealings can receive relevant services, has become a goal that researchers in this field are eager to pursue. To achieve the aforementioned objectives, this invention proposes a dynamic credit scoring system, comprising: a dynamic credit scoring registration subsystem, which, upon receiving a user credit scoring request from a financial application service and confirming that the request originated from a legitimate and registered financial application service, performs a timeliness authorization verification operation for the user credit scoring request. The request is forwarded only if the authorization signature is valid, the number of dynamic credit scoring tags meets regulations, and the authorization period is still within the specified timeframe; and a dynamic credit scoring analysis subsystem, connected to the dynamic credit scoring registration subsystem, which, upon receiving the user credit scoring request from the registration subsystem, scores the user's credit based on the user's telecommunications data. Based on the content of the dynamic credit scoring tags, it generates a target audience (TA) profile tag score for the user, thereby generating a user credit score and sending it back to the dynamic credit scoring registration subsystem. The dynamic credit scoring registration subsystem then encrypts the user credit score and transmits the encrypted user credit score to the financial application service. In one embodiment, the dynamic credit scoring system further includes a dynamic credit scoring real-name authentication subsystem connected to the dynamic credit scoring registration subsystem. When a user accesses online services provided by the financial application service through the user's mobile device, the financial application service sends a user telecommunications authentication request to the dynamic credit scoring registration subsystem. After the dynamic credit scoring registration subsystem confirms the legality of the user telecommunications authentication request, it issues an authentication request to the dynamic credit scoring real-name authentication subsystem. In one embodiment, after obtaining successful telecommunications authentication, the financial application service generates the user credit score request. The financial application service applies for a one-time certificate through a dynamic credit score authorization element embedded in the financial application service webpage. After obtaining the one-time certificate, the authorization period and authorization seal are added to the user credit score request to complete the time-limited authorization signing. In one embodiment, the dynamic credit scoring authorization element includes: a key generation module for generating a pair of keys and temporarily storing them in the user's mobile device for applying for the one-time certificate; a certificate application module for applying for the one-time certificate from the dynamic credit scoring registration subsystem; and a time-limited authorization signing module for adding the authorization period and the authorization signature to the user's credit scoring request using the private key of the pair of keys after obtaining the one-time certificate. In one embodiment, the dynamic credit scoring registration subsystem includes: a dynamic credit scoring verification module, used to compare the application programming interface (API) key of the financial application service with the key stored in the dynamic credit scoring registration subsystem during service registration after receiving the user's credit scoring request, so as to confirm the legality of the user's credit scoring request when the two correspond; and a credential issuance module, used to accept the application for the one-time credential from the credential application module, so as to issue the user's personal one-time credential. In one embodiment, the dynamic credit scoring analysis subsystem includes: a payment data analysis module for scoring the user's credit based on the user's telecommunications data; and a big data tag analysis module for performing user analysis based on the content of the dynamic credit scoring tags, using either a financial service self-selection tag mode or an automatic selection tag mode that best matches the user profile. The financial service self-selection tag mode generates a percentage score for the user's match rate among selected target audience profile tags for the financial application service, while the automatic selection tag mode selects the target audience profile tags that best match the user and have the highest percentage score from all the target audience profile tags. In one embodiment, the dynamic credit scoring system further includes a telecommunications big data database linked to the dynamic credit scoring analysis subsystem, used to store the user's telecommunications data and various target audience profile tags defined based on the user information of all users. This invention further discloses a dynamic credit scoring method, executed on a computer or server. The dynamic credit scoring method includes the following steps: A dynamic credit scoring registration subsystem receives a user credit scoring request from a financial application service and, upon confirming that the request originates from a legitimate and registered financial application service, performs a timeliness authorization verification operation for the user credit scoring request. If the authorization signature is valid, the number of dynamic credit scoring tags meets the requirements, and the authorization period is still within the specified time, the user credit scoring request is forwarded. A dynamic credit scoring analysis subsystem, upon receiving the user credit scoring request from the dynamic credit scoring registration subsystem, scores the user's credit based on the user's telecommunications data and generates a target audience (TA) profile tag score for the user based on the content of the dynamic credit scoring tags. Based on this, a user credit score is generated, and the user credit score is then sent back to the dynamic credit scoring registration subsystem. The dynamic credit scoring registration subsystem encrypts the user credit score and then transmits the encrypted user credit score to the financial application service. In the above method, before the user issues the user credit score request, it further includes: when the user accesses the online services provided by the financial application service through the user's mobile device, the financial application service sends a user telecommunications authentication request to the dynamic credit score registration subsystem, so that after the dynamic credit score registration subsystem confirms the legality of the user telecommunications authentication request, it issues an authentication request to the dynamic credit score real-name authentication subsystem. The aforementioned method further includes: after the financial application service obtains the result of successful telecommunications authentication, generating the user credit score request, and the financial application service applying for a one-time certificate through a dynamic credit score authorization element embedded in the financial application service webpage, so as to add the authorization period and authorization seal to the user credit score request after obtaining the one-time certificate, so as to complete the time-limited authorization signing. In the above method, the steps of the financial application service applying for the one-time certificate and completing the time-limited authorization signing through the dynamic credit scoring authorization element include: having the key generation module generate a pair of keys and temporarily store them in the user's mobile device for applying for the one-time certificate; having the certificate application module apply for the one-time certificate from the dynamic credit scoring registration subsystem; and after obtaining the one-time certificate, having the time-limited authorization signing module use the private key of the pair of keys to add the authorization period and the authorization seal to the user's credit scoring request. In the above method, the dynamic credit scoring registration subsystem confirms the user's credit scoring request and the timeliness authorization verification operation by: having the dynamic credit scoring verification module, after the dynamic credit scoring registration subsystem receives the user's credit scoring request, compare the application programming interface (API) key of the financial application service with the key stored by the dynamic credit scoring registration subsystem during service registration, so as to confirm the legitimacy of the user's credit scoring request when the two correspond. In the above method, the steps of the dynamic credit scoring analysis subsystem scoring the user's credit based on the user's telecommunications data and generating a target audience (TA) profile tag score for the user based on the content of the dynamic credit scoring tags include: having the payment data analysis module score the user's credit based on the user's telecommunications data; and having the big data tag analysis module perform user analysis based on the content of the dynamic credit scoring tags through a financial service self-selection tag mode or an automatic selection tag mode that best matches the user profile. The financial service self-selection tag mode generates a hit percentage score for the user on the target audience profile tags selected according to the combination of target audience profile tags selected by the financial application service, and the automatic selection tag mode that best matches the user profile selects the target audience profile tags that best match the user and have the highest hit percentage score from all the target audience profile tags. In the above method, the user's telecommunications data and various target audience profile tags defined based on the user information of all users are stored in a telecommunications big data database. The present invention further discloses a computer-readable medium, which is used in a computing device or computer, and stores instructions to execute the aforementioned dynamic credit scoring method. In summary, the dynamic credit scoring system, method, and computer-readable medium of this invention provide financial application services with dynamic credit scores for verified users, assisting in making decisions for individual services. Specifically, when a user wishes to use a financial application service, they must first complete real-name authentication through the mechanism provided by the dynamic credit scoring system. After authentication and time-limited authorization by the user, the financial application service can select tags defined by the dynamic credit scoring system based on the individual service product. The dynamic credit scoring system then calculates the user's credit score based on their telecommunications data and the selected tags. Alternatively, the financial application service can choose to have the dynamic credit scoring system directly select the set of tags with the highest scores based on the user's circumstances, enabling the financial application service to make more accurate decisions based on this information. 1: Dynamic Credit Scoring System 11: Dynamic Credit Scoring Registration Subsystem 111: Dynamic Credit Score Verification Module 112: Voucher Issuance Module 113: Application Service Data A 1131: System-side API Key 1132: System-side key 1133: Number of Big Data Tags 12: Dynamic Credit Scoring Analysis Subsystem 121: Payment Data Analysis Module 2111: Key Production Module 2112: Certificate Application Module 2113: Time-sensitive authorization signing module 122: Big Data Tag Analysis Module 13: Dynamic Credit Scoring Real-Name Authentication Subsystem 21: Financial Application Services 21': Financial Application Service A 211: Dynamic Credit Score Authorization Component 31: User mobile device 311: Private Key 41: Telecommunications Big Data Database 51: User Telecommunications Authentication Request 511: Required Documents for Telecommunications Authentication 61: User Credit Score Request 611: ID number 612: Phone number 613: Dynamic Tags for Credit Scores 614: Authorization Period 615: Authorization and Signature 70: Application Service Information 701: API Key 702: Key 703: Number of Big Data Tags 71: Server-side application service data A 711: Server-side API Key 712: Server key S601-S602: Steps Figure 1 is a system architecture diagram of the dynamic credit scoring system of the present invention. Figure 2 is an architecture diagram of an embodiment of the dynamic credit scoring system of the present invention. Figure 3 is an architecture diagram of the dynamic credit scoring registration subsystem of the present invention. Figure 4 is a schematic diagram of the application service data of this invention. Figure 5 is a schematic diagram of the dynamic credit scoring authorization element of the present invention. Figure 6 is a flowchart illustrating the steps of the dynamic credit scoring method of the present invention. Figure 7 illustrates the architecture of the present invention, which involves issuing credentials and signing credit scoring requests after real-name authentication. Figure 8 illustrates the architecture of the dynamic credit scoring request verification and credit score acquisition of the present invention. The technical content of this invention is described below through specific embodiments. Those skilled in the art can easily understand the advantages and effects of this invention from the content disclosed in this specification. However, this invention can also be implemented or applied through other different embodiments. Figure 1 is a system architecture diagram of the dynamic credit scoring system of the present invention. As shown in the figure, the purpose of the dynamic credit scoring system 1 is to enable application services to no longer rely solely on the credit scores obtained by the Joint Credit Information Center (JICC) from joint credit inquiries with target customers. For target customers who cannot obtain credit scores through the JICC because they do not have dealings with financial institutions, the system provides an alternative and better method for application services to query the credit scores of target customers. For example, if a user wants to apply for related services from a financial service provider, the financial service provider needs to obtain the user's telecommunications credit score to assess and decide whether to provide services. In one embodiment, the dynamic credit scoring system 1 of the present invention includes a dynamic credit scoring registration subsystem 11 and a dynamic credit scoring analysis subsystem 12. Upon receiving a user credit scoring request from financial application service 21, and confirming that the request originated from a legitimate and registered financial application service 21, the dynamic credit scoring registration subsystem 11 performs a timeliness authorization verification process. If the authorization signature is valid, the number of dynamic credit scoring tags meets regulations, and the authorization period is still within the specified timeframe, the request is forwarded. In other words, the dynamic credit scoring registration subsystem 11 is a centrally controlled process management system that records the registration information of various application services, providing functions such as verifying whether the source of the user credit scoring request is a registered application service, whether it has been authorized by the user, and checking the timeliness of the authorization. Additionally, the dynamic credit scoring registration subsystem 11 also has the function of issuing one-time certificates. Specifically, the dynamic credit scoring registration subsystem 11 receives a user credit scoring request from the financial application service 21. That is, when a user applies for the financial application service 21, the service needs to confirm whether the user meets the application requirements and will issue a user credit scoring request. At this time, the dynamic credit scoring registration subsystem 11 will first confirm that the user credit scoring request is issued by a legitimate and registered financial application service 21. If not, it means that the financial application service 21 has not yet registered and is not allowed to query; if so, it will perform a timeliness authorization verification operation for the user credit scoring request, that is, determine the user's creditworthiness. The credit scoring request will be forwarded if the user has authorized the request and if it is within the time limit. The authorization signature is valid, the number of dynamic credit scoring tags meets the requirements, and the authorization period is still within the time limit. The dynamic credit scoring tags refer to the big data items to be queried, that is, detailed information about all users. This information is stored in the backend database. The items to be queried by the financial application service 21 are called tags. Furthermore, the number of tags in the user's credit scoring request must meet (i.e., not exceed) the number of items defined during the previous registration for the user's credit scoring request to be compliant. The dynamic credit scoring analysis subsystem 12 is connected to the dynamic credit scoring registration subsystem 11. Upon receiving a user credit scoring request from the dynamic credit scoring registration subsystem 11, it scores the user's credit based on the user's telecommunications data and generates a target audience (TA) profile tag score for the user based on the content of the dynamic credit scoring tags. This generates a user credit score, which is then sent back to the dynamic credit scoring registration subsystem 11. The dynamic credit scoring registration subsystem 11 encrypts the user credit score and sends the encrypted user credit score back to the financial application service 21. In other words, the dynamic credit scoring analysis subsystem 12 is responsible for generating telecommunications credit scores, including credit score calculations based on tariffs, payment data, and call volume, as well as big data tag analysis calculations. It utilizes telecommunications big data information, including but not limited to gender, age, residence, geographic location, activity time, and internet behavior information. Specifically, after receiving the user's credit scoring request, the dynamic credit scoring analysis subsystem 12 scores the user's credit based on the user's telecommunications data, such as tariffs, payment data, and call volume. In addition, it generates a score for the user's target audience (TA) profile tag based on the content of the credit scoring dynamic tags. In other words, telecommunications big data can include information such as gender, age, residence, geographical location, activity time, and online behavior information. This data can be used to evaluate users, such as evaluating the user's percentage among all users, thereby scoring the user. Finally, a user credit score is generated based on the aforementioned scoring results. The user credit score is then transmitted to the dynamic credit scoring registration subsystem 11 and encrypted before being sent back to the financial application service 21. Therefore, this invention not only provides scores for telecommunications fee payment history, tariffs, and call volume, but also utilizes data provided by telecommunications big data, including but not limited to gender, age, residence, geographical location, activity time, and internet behavior information, to define various TA profile tags for dynamic selection of application services, or for the system to assist in filtering tags that best match the target customer profile, enabling application services to make more accurate decisions. In addition, regarding the query of telecommunications credit scores, to prevent others from abusing the query, this invention requires real-name authentication before the query and also verifies whether the user has indeed authorized the query, in order to provide personal privacy and security protection. The above mechanisms will be detailed later. Figure 2 is an architecture diagram of the dynamic credit scoring system of the present invention in one embodiment. As shown in the figure, in addition to the dynamic credit scoring registration subsystem 11 and the dynamic credit scoring analysis subsystem 12, the dynamic credit scoring real-name authentication subsystem 13 is also included. Furthermore, this embodiment also describes the internal structure of the dynamic credit scoring registration subsystem 11 and the dynamic credit scoring analysis subsystem 12, and explains the relationship between the dynamic credit scoring system 1 and other devices. The dynamic credit scoring real-name authentication subsystem 13 is connected to the dynamic credit scoring registration subsystem 11. When a user accesses online services provided by the financial application service 21 through the user's mobile device 31, the financial application service 21 sends a user telecommunications authentication request to the dynamic credit scoring registration subsystem 11. After the dynamic credit scoring registration subsystem 11 verifies the legality of the user's telecommunications authentication request, it issues an authentication request to the dynamic credit scoring real-name authentication subsystem 13. In other words, the dynamic credit scoring real-name authentication subsystem 13 can use the existing telecommunications authentication identity verification system to perform telecommunications real-name authentication for users, thereby confirming the user's true identity and performing telecommunications credit scoring. Specifically, when a user wants to obtain services from the financial application service 21 through the user's mobile device 31, the financial application service 21 will send a user telecommunications authentication request. The user telecommunications authentication request will be sent to the dynamic credit scoring registration subsystem 11. At this time, the dynamic credit scoring registration subsystem 11 will verify the legality of the user telecommunications authentication request. After the user telecommunications authentication request is deemed legal, it will send an authentication request to the dynamic credit scoring real-name authentication subsystem 13. In addition, after obtaining the result of successful telecommunications authentication, the financial application service 21 will generate a user credit score request. The financial application service 21 will apply for a one-time certificate through the dynamic credit score authorization element 211 embedded in the financial application service webpage. After obtaining the one-time certificate, the authorization period and authorization seal will be added to the user credit score request to complete the time-limited authorization signing. In one embodiment, please refer to Figure 5, which is an architectural diagram of the dynamic credit scoring authorization element of the present invention. The dynamic credit scoring authorization element 211 is responsible for applying for a one-time user credential after the user's real-name authentication. Then, it uses the private key of the one-time credential to perform time-limited authorization signing for the user's credit scoring request. As shown in the figure, the dynamic credit scoring authorization element 211 includes a key generation module 2111, a credential application module 2112, and a time-limited authorization signing module 2113. The key generation module 2111 generates a pair of keys and temporarily stores them in the user's mobile device 31 for applying for a one-time certificate. The certificate application module 2112 applies for the one-time certificate from the dynamic credit scoring registration subsystem 11. The time-limited authorization signing module 2113, after obtaining the one-time certificate, uses the private key of the key generated by the key generation module 2111 to add the authorization period and the authorization signature to the user's credit scoring request. Specifically, the dynamic credit scoring authorization element 211 is embedded in the financial application service webpage and is responsible for user key generation, certificate application, and time-limited authorization signing of user credit scoring requests. When a user completes telecommunications real-name authentication, the key generation module 2111 generates a pair of keys for the certificate application module 2112 to apply for a one-time certificate. After obtaining the one-time certificate, the time-limited authorization signing module 2113 uses the private key previously generated by the key generation module 2111 to perform time-limited authorization signing on the user's credit scoring request. In one embodiment, the dynamic credit scoring registration subsystem 11 includes a dynamic credit scoring verification module 111 and a credential issuance module 112. The dynamic credit scoring verification module 111, upon receiving a user's credit scoring request, compares the application programming interface (API) key of the financial application service 21 with the key stored in the dynamic credit scoring registration subsystem 11 during service registration. If the two correspond, the module verifies the legitimacy of the user's credit scoring request. The credential issuance module 112 accepts applications for one-time credentials from the credential application module 2112 and issues the user's personal one-time credential. Specifically, please refer to Figure 3, which is an architecture diagram of the dynamic credit scoring registration subsystem of the present invention. The dynamic credit scoring registration subsystem 11 is responsible for the registration operation, certificate issuance operation, and dynamic credit scoring verification operation of the financial application service 21. When the registration request of the financial application service 21 is received, the dynamic credit scoring registration subsystem 11 will generate application service data A 113 according to the requirements. Please refer to Figure 4, which is a schematic diagram of the application service data of this invention. The detailed content of the application service data 70 is shown in the figure. The dynamic credit scoring registration subsystem 11 will generate a set of application programming interface key (API Key) 701 and secret key 702 as a protection mechanism for the service of the dynamic credit scoring registration subsystem 11. When the financial application service 21 calls the dynamic credit scoring registration subsystem 11, it must add the information of the API key 701 to the HTTP header, sort the parameters, calculate the hash value using the key 702, and send them to the dynamic credit scoring registration subsystem 11. After receiving the request, the dynamic credit scoring registration subsystem 11 can use the dynamic credit scoring verification module 111 to perform hash value calculation on the sorted parameters using the corresponding key 702 based on the API key 701 in the HTTP header, and compare it with the received hash value to ensure the legitimacy and parameter integrity of the financial application service 21 calling this service. The dynamic credit scoring verification module 111 is also responsible for the timeliness authorization verification of the user's credit scoring request to confirm whether the user has authorized this credit scoring query. In addition, the dynamic credit scoring registration subsystem 11 records the required number of big data tags 703 according to the needs of the financial application service 21, so as to confirm and compare them when the financial application service 21 issues a user credit scoring request in the future. In addition to the dynamic credit scoring verification module 111 and application service data A 113 mentioned above, the dynamic credit scoring registration subsystem 11 also has a credential issuance module 112 responsible for issuing a one-time personal credential for the user to authorize the user's credit scoring request. In one embodiment, the dynamic credit scoring analysis subsystem 12 is responsible for the dynamic credit scoring analysis of users, and includes a payment data analysis module 121 and a big data tag analysis module 122. The payment data analysis module 121 is used to score the user's credit based on the user's telecommunications data, and the big data tag analysis module 122 is used to perform user analysis based on the content of the dynamic credit scoring tags. The analysis includes a financial service self-selected tag mode or an automatic selection of tags that best match the user profile. The financial service self-selected tag mode generates the user's hit percentage score for the target audience profile tags selected by the financial application service 21, while the automatic selection of tags that best match the user profile selects the target audience profile tags that best match the user and have the highest hit percentage score from all the target audience profile tags. Specifically, the payment data analysis module 121 scores the user's credit by analyzing information such as past charges, payment status, and call volume. The big data tag analysis module 122 defines various TA profile tags by using information from the telecommunications big data database 41, including but not limited to gender, age, residence, geographical location, activity time, and internet behavior. These tags are then dynamically selected by the financial application service 21. Furthermore, in addition to defining various TA profile tags, the big data tag analysis module 122 can also be divided into two modes based on the different needs of the financial application service 21: self-selected financial service tags and automatic filtering of tags that best match the user profile. In the self-selected financial service tags mode, the financial application service 21 selects the combination of TA profile tags to be queried. Each query can include different combinations of TA profile tags as needed. In the automatic filtering of tags that best match the user profile, the big data tag analysis module 122 selects the few TA profile tags that best match the user profile from the various TA profile tags. The number of tags is defined by the financial application service 21 during registration. In addition, the telecommunications big data database 41 is connected to the dynamic credit scoring analysis subsystem 12, which is used to store users' telecommunications data and various target audience profile tags defined based on the user information of all users. As can be seen from the above, the dynamic credit scoring system 1 of the present invention includes two stages when it is executed. The first stage is to issue a certificate and sign a credit scoring request after real-name authentication. The second stage is to verify the dynamic credit scoring request and obtain the credit score. The first stage, which involves issuing a certificate and signing a credit score request after real-name authentication, requires the use of components such as the dynamic credit score registration subsystem 11 and the dynamic credit score real-name authentication subsystem 13, in conjunction with the financial application service 21 and the user's mobile device 31. The main process is as follows: the user accesses the online services provided by the financial application service 21 through the user's mobile device 31; the financial application service 21 conducts real-name authentication of the user through the dynamic credit score registration subsystem 11 and the dynamic credit score real-name authentication subsystem 13; after authentication, a one-time certificate is issued to the user, which allows the user to authorize and sign the user's credit score request through the user's mobile device 31, thereby preventing others from abusing their telecommunications credit scores and ensuring personal privacy and security. The second stage, dynamic credit score request verification and credit score acquisition, needs to be completed through components such as the dynamic credit score registration subsystem 11 and the dynamic credit score analysis subsystem 12, in conjunction with the telecommunications big data database 41. The main process is as follows: after the user completes real-name authentication and signs the user credit score request, the financial application service 21 performs a timeliness authorization verification operation on the user credit score request through the dynamic credit score registration subsystem 11. After confirming the authorization of the user credit score request, the user's telecommunications credit score can be obtained through the dynamic credit score analysis subsystem 12 and the telecommunications big data database 41. During this process, Financial Application Service 21 only obtains the calculated score, without including detailed information about each tag. All private data is transmitted in encrypted form and can only be decrypted by the secret key obtained when registering with Financial Application Service 21, thus eliminating the risk of data leakage. Each of the aforementioned subsystems, modules, and units can be software, hardware, or firmware. If it is hardware, it can be a processing unit, processor, computer, or server with data processing and computing capabilities. If it is software or firmware, it can include instructions executable by a processing unit, processor, computer, or server, and can be installed on the same hardware device or distributed across multiple different hardware devices. Specifically, each subsystem and module within the dynamic credit scoring system can be designed within a single system, or they can be separate systems communicating through information transmission. These subsystems, modules, or units can be located in a single device or distributed across different devices; there are no restrictions on this. Figure 6 is a flowchart illustrating the steps of the dynamic credit scoring method of the present invention. As shown in the figure, the dynamic credit scoring method of the present invention can provide application services with dynamic credit scores of real-name authenticated users through a dynamic credit scoring system, thereby assisting application services in making decisions required for individual services. The application service may be, for example, a financial application service, but is not limited thereto. The steps will be described below. In step S601, the dynamic credit scoring registration subsystem receives a user credit scoring request from a financial application service and confirms that the request was issued by a legitimate and registered financial application service. It then performs a time-sensitive authorization verification of the user credit scoring request. If the authorization signature is valid, the number of dynamic credit scoring tags meets the requirements, and the authorization period is still within the specified time, the user credit scoring request is forwarded. This step explains that when the dynamic credit scoring registration subsystem receives a user credit scoring request from a financial application service, it first confirms whether the financial application service that issued the request is registered. If so, it performs a time-sensitive authorization verification of the user credit scoring request, determining whether the user has authorized the request and if it is within the specified time. Finally, if the authorization signature of the user credit scoring request is valid, the number of dynamic credit scoring tags meets the requirements, and the authorization period is still within the specified time, the user credit scoring request is forwarded to the dynamic credit scoring analysis subsystem for scoring. In step S602, after the dynamic credit scoring analysis subsystem receives the user's credit scoring request from the dynamic credit scoring registration subsystem, it scores the user's credit based on the user's telecommunications information and generates a target audience (TA) profile tag score based on the content of the dynamic credit scoring tag. The resulting user credit score is then sent back to the dynamic credit scoring registration subsystem for encryption before being transmitted to the financial application service. This step explains that after receiving the user's credit scoring request, the dynamic credit scoring analysis subsystem scores the user's credit based on the user's telecommunications information. It can also generate a target audience (TA) profile tag score based on the content of the dynamic credit scoring tag. This involves using data such as gender, age, residence, geographic location, activity time, and online behavior information from all users in the big data database to evaluate the user's percentage among all users, thereby assessing whether the user meets the requirements. Finally, the generated user credit score is transmitted to the dynamic credit scoring registration subsystem, encrypted, and then sent back to the financial application service. The foregoing describes the methods for verifying dynamic credit scoring requests and obtaining credit scores. Furthermore, to ensure personal privacy and security, real-name verification can be performed before scoring. The following explains the method for issuing credentials and signing credit scoring requests after real-name authentication. Before a user submits a credit score request, credentials can be issued and signed. Specifically, when a user accesses online services provided by a financial application service through their mobile device, the financial application service will send a user telecommunications authentication request to the dynamic credit score registration subsystem. The dynamic credit score registration subsystem will verify the legality of the user telecommunications authentication request. If the legality of the user telecommunications authentication request is verified, an authentication request will be sent to the dynamic credit score real-name authentication subsystem. In addition, after the financial application service obtains the result of successful telecommunications authentication, it will be able to generate a user credit score request. In actual operation, the financial application service applies for a one-time certificate through the dynamic credit score authorization element embedded in the financial application service webpage, and after obtaining the one-time certificate, adds the authorization period and authorization seal to the user credit score request to complete the time-limited authorization signing. Specifically, regarding the application for a one-time certificate for dynamic credit scoring authorization and the completion of time-limited authorization signing, a pair of keys can be generated through the key generation module and temporarily stored in the user's mobile device for applying for the one-time certificate. The certificate application module then applies for the one-time certificate from the dynamic credit scoring registration subsystem. Finally, after obtaining the one-time certificate, the time-limited authorization signing module uses the private key of the aforementioned key to add the authorization period and the authorization seal to the user's credit scoring request. Specifically, regarding the verification of user credit scoring requests and timeliness authorization, the dynamic credit scoring verification module can compare the API key of the financial application service with the key stored in the dynamic credit scoring registration subsystem during service registration after receiving the user credit scoring request. When the two correspond, the legitimacy of the user credit scoring request can be confirmed. In addition, the certificate issuance module can accept applications for one-time certificates from the certificate application module of the financial application service, thereby issuing one-time certificates for the user. The dynamic credit scoring analysis subsystem scores a user's credit based on their telecommunications data and generates target audience (TA) profile tags for that user based on the content of dynamic credit score tags. Specifically, the payment data analysis module can score the user's credit based on their telecommunications data, and the big data tag analysis module can analyze the user based on the content of dynamic credit score tags. In the financial services self-selected tag mode, the system generates a percentage score for the user's match rate against selected target audience profile tags based on the combination of tags already selected for the financial application services. Conversely, in the automatic tag selection mode that best matches the user's profile, the system selects the tags that best match the user and have the highest percentage match rate from all target audience profile tags for scoring. In addition, users' telecommunications data and various target audience profile tags defined based on user information will be stored in a telecommunications big data database for use by the dynamic credit scoring analysis subsystem. Figure 7 illustrates the architecture of the present invention, which involves issuing credentials and signing credit scoring requests after real-name authentication. As shown, the process can be divided into two stages. The first stage is real-name authentication, which is completed through the user's mobile device 31, financial application service A 21', user telecommunications authentication request 51, dynamic credit scoring registration subsystem 11, and dynamic credit scoring real-name authentication subsystem 13. The second stage is issuing credentials and signing credit scoring requests, which is completed through the user's mobile device 31, financial application service A 21', dynamic credit scoring registration subsystem 11, and user credit scoring request 61. During the real-name authentication phase, the financial application service A 21' has corresponding server-side application service data A 71. The server-side application service data A 71 includes a server-side API key 711 and a server-side key 712. When a user accesses the online services provided by the financial application service A 21' through the user's mobile device 31, the financial application service A 21' sends a user telecommunications authentication request 51, which includes the information 511 required for telecommunications authentication. The information of the server-side API key 711 obtained after registration is added to the HTTP header. The parameters are sorted and the hash value is calculated using the server-side key 712 and then sent to the dynamic credit scoring registration subsystem 11. The server-side API key 711 and the server-side key 712 are obtained by the financial application service A 21' when registering with the dynamic credit scoring registration subsystem 11 and are the same as the values ​​of the system-side API key 1131 and the system-side key 1132 stored in the dynamic credit scoring registration subsystem 11. After receiving a request, the dynamic credit scoring registration subsystem 11 can use the dynamic credit scoring verification module 111 to find the matching system API key 1131 for the server API key 711 in the HTTP header, and use the corresponding system key 1132 to perform a hash operation on the sorted parameters. The hash value is then compared with the received hash value. If the hash value is correct, the legality of the authentication request can be confirmed, and an authentication request can be sent to the dynamic credit scoring real-name authentication subsystem 13. During the issuance of certificates and signing of credit scoring requests, after the financial application service A 21' obtains the result of successful telecommunications authentication, it generates a user credit scoring request 61, which includes the user's ID number 611, phone number 612, and the dynamic credit scoring tag 613 to be queried. As mentioned above, the dynamic credit scoring tag 613 can be divided into two modes according to the needs of the financial application service: self-selected financial service tags and tags that are automatically selected to best match the user profile. Next, the financial application service A 21' generates a pair of keys through the key generation module 2111 in the dynamic credit scoring authorization element 211 embedded in the financial application service webpage and temporarily stores them in the user's mobile device 31. The credential application module 2112 then applies to the credential issuance module 112 for a one-time credential. After obtaining the one-time credential, the time-limited authorization signing module 2113 uses the private key 311 previously generated by the key generation module 2111 to add an authorization period 614 and an authorization seal 615 to the user's credit score request 61 to complete the time-limited authorization signing. After the user completes the time-limited authorization signing, the financial application service A 21' adds the information of the server API key 711 obtained after registration to the HTTP header of the user's credit score request 61, and sends the sorted parameters and the hash value calculated by the server key 712 together to the dynamic credit score registration subsystem 11. Figure 8 illustrates the architecture of the dynamic credit scoring request verification and credit score acquisition of the present invention. As shown in the figure, after receiving a user credit score request 61, the dynamic credit score registration subsystem 11 uses the dynamic credit score verification module 111 to perform a hash operation on the sorted parameters using the corresponding system key 1132 on the API key (i.e., the server-side API key 711) in the HTTP header, and compares it with the received hash value. If the hash value comparison is correct, it means that the user credit score request 61 was indeed issued by a legitimate and registered financial application service. The dynamic credit score registration subsystem 11 can use the dynamic credit score verification module 111 to perform a time-sensitive authorization verification operation on the user credit score request 611, checking the legality of the authorization signature 615, the number of tags in the credit score dynamic tag 613, and whether it is still within the authorization period 614. If the authorization signature 615 is legal, the number of tags in the credit score dynamic tag 613 is less than or equal to the number of big data tags 1133 recorded by the dynamic credit score registration subsystem 11, and it is still within the authorization period 614, the user credit score request 61 can be sent to the dynamic credit score analysis subsystem 12. After receiving a user credit score request 61, the dynamic credit scoring analysis subsystem 12 uses the payment data analysis module 121 to score the user's credit by analyzing information such as the user's past charges and payment status. The big data tag analysis module 122, based on the content of the dynamic credit score tags 613, can be divided into two modes: self-selected financial service tags and automatically selected tags that best match the user profile. If it is a self-selected financial service tag, the big data tag analysis module 122 uses the selected TA profile tag combination from the telecommunications big data database, including but not limited to gender, age, residence, geographical location, activity time, and internet behavior information, to generate a percentage score for the user's hit rate for each TA profile tag. For example, if the financial application service selects "investment and financial management group" as a TA profile tag, then the user credit score returned by the big data tag analysis module 122 to the financial application service will include the percentage score for the user as an "investment and financial management group." If it is an automatically selected tag, the big data tag analysis module 122 will automatically select tags that best match the user profile. Tags that match the user profile are then processed by the big data tag analysis module 122, which selects the most relevant TA profile tags with the highest hit percentage from among various TA profile tags. The number of tags is determined by the number of big data tags 1133 selected during the registration of the financial application service. For example, if the number of big data tags is 5 during the registration of the financial application service, the big data tag analysis module 122 will select the 5 tags with the highest hit percentage from all currently defined TA profile tags (e.g., 80% for investment and wealth management groups, 75% for commuters, 73% for homebuyers, etc.) and send them back to the financial application service. After the dynamic credit scoring analysis subsystem 12 sends the user's credit score back to the dynamic credit scoring registration subsystem 11, the dynamic credit scoring registration subsystem 11 uses the corresponding system-side key 1132 to encrypt the user's credit score, and then sends the encrypted user credit score back to the financial application service. Furthermore, this invention discloses a computer-readable medium applicable to a computing device or computer having a processor (e.g., CPU, GPU, etc.) and / or memory, storing instructions, and executable by the computing device or computer through the processor and / or memory to perform the aforementioned methods and steps when executing the computer-readable medium. In one embodiment, the computer-readable medium is a non-transitory computer-readable storage medium. In summary, the dynamic credit scoring system, method, and computer-readable medium of this invention, through real-name authentication and related mechanisms, clearly inform users of the purpose, scope, and impact on their rights when application services query their telecommunications information, confirming that the user has personally authorized and consented to the query of telecommunications credit ratings. Furthermore, this invention not only provides scores for telecommunications bill payment history and tariffs, but also defines various target audience (TA) profile tags using data provided by a telecommunications big data database, enabling application services to dynamically select appropriate profiles. Therefore, this invention allows application services to understand their users and make decisions that better meet user needs. Accordingly, this invention has the following advantages. First, real-name authentication and time-limited authorization are provided. Before querying a user's dynamic credit score, the dynamic credit scoring system verifies whether the query request has been signed by the user. Users do not need to have credentials in advance; they only need to complete telecommunications real-name authentication to obtain a one-time personal credential, and sign the request for querying dynamic scores with time-limited restrictions to ensure user rights. Secondly, it provides dynamic credit scoring. The dynamic credit scoring system uses information provided by the telecommunications big data database to define various TA profile tags. Application services can dynamically select tags that meet the needs of different products under a company to facilitate evaluation and decision-making. In addition to the application service selecting dynamic tags, the dynamic credit scoring system can also assist in automatically filtering the tags that best match the user profile, providing the application service with an effective reference for accurate judgment. The above detailed description is a specific description of one feasible embodiment of the present invention. However, this embodiment is not intended to limit the patent scope of the present invention. All equivalent implementations or modifications that do not depart from the spirit of the present invention should be included in the patent scope of the present invention. 1: Dynamic Credit Scoring System 11: Dynamic Credit Scoring Registration Subsystem 12: Dynamic Credit Scoring Analysis Subsystem 21: Financial Application Services

Claims

1. A dynamic credit scoring system, comprising: The dynamic credit scoring registration subsystem, upon receiving a user credit scoring request from a financial application service and confirming that the request originated from a legitimate and registered financial application service, performs a time-sensitive authorization verification process for the user's credit scoring request. If the authorization signature is valid, the number of dynamic credit scoring tags meets the requirements, and the authorization period is still within the specified timeframe, the user's credit scoring request is forwarded. The dynamic credit scoring analysis subsystem, connected to the dynamic credit scoring registration subsystem, upon receiving the user credit scoring request from the dynamic credit scoring registration subsystem, scores the user's credit based on their telecommunications data. Based on the content of the dynamic credit scoring tags, it generates a target audience profile tag score for the user, thereby generating a user credit score, which is then sent back to the dynamic credit scoring registration subsystem. The dynamic credit scoring registration subsystem encrypts the user credit score before transmitting the encrypted user credit score to the financial application service. The dynamic credit scoring system further includes a dynamic credit scoring real-name authentication subsystem linked to the dynamic credit scoring registration subsystem. When a user accesses online services provided by the financial application service via their mobile device, the financial application service sends a user telecommunications authentication request to the dynamic credit scoring registration subsystem. After the dynamic credit scoring registration subsystem verifies the legality of the user's telecommunications authentication request, it issues an authentication request to the dynamic credit scoring real-name authentication subsystem. Upon successful telecommunications authentication, the financial application service generates the user's credit score request and applies for a one-time certificate through a dynamic credit scoring authorization element embedded in the financial application service webpage. After obtaining the one-time certificate, the financial application service adds an authorization period and authorization seal to the user's credit score request to complete the time-limited authorization signing.

2. The dynamic credit scoring system as described in claim 1, wherein, The dynamic credit scoring authorization component includes: a key generation module for generating a pair of keys and temporarily storing them in the user's mobile device for applying for the one-time certificate; a certificate application module for applying for the one-time certificate from the dynamic credit scoring registration subsystem; and a time-limited authorization signing module for adding the authorization period and the authorization signature to the user's credit scoring request using the private key of the pair of keys after obtaining the one-time certificate.

3. The dynamic credit scoring system as described in claim 2, wherein, The dynamic credit scoring registration subsystem includes: a dynamic credit scoring verification module, used to compare the application programming interface key of the financial application service with the key stored in the dynamic credit scoring registration subsystem during service registration after receiving the user's credit scoring request, so as to confirm the legitimacy of the user's credit scoring request when the two correspond; and a credential issuance module, used to accept the application for the one-time credential from the credential application module, so as to issue the user's personal one-time credential.

4. The dynamic credit scoring system as described in claim 1, wherein, The dynamic credit scoring analysis subsystem includes: a payment data analysis module, used to score the user's credit based on the user's telecommunications data; and a big data tag analysis module, used to analyze the user based on the content of the dynamic credit scoring tags, through a financial service self-selection tag mode or an automatic selection tag mode that best matches the user profile. The financial service self-selection tag mode generates the user's hit percentage score on those target audience profile tags based on the combination of target audience profile tags selected by the financial application service, and the automatic selection tag mode that best matches the user profile selects the few target audience profile tags that best match the user and have the highest hit percentage score from all the target audience profile tags.

5. The dynamic credit scoring system as described in claim 1 further includes a telecommunications big data database linked to the dynamic credit scoring analysis subsystem, used to store the user's telecommunications data and various target audience profile tags defined based on the user information of all users.

6. A dynamic credit scoring method, comprising the following steps: Upon receiving a user credit scoring request from a financial application service and confirming that the request originated from a legitimate and registered financial application service, a timeliness authorization verification operation is performed on the user credit scoring request. The user credit scoring request is forwarded only if the authorization signature is valid, the number of dynamic credit scoring tags meets regulations, and the authorization period is still within the specified timeframe. Furthermore, upon receiving the user credit scoring request from the dynamic credit scoring registration subsystem, the dynamic credit scoring analysis subsystem scores the user's credit based on the user's telecommunications data, generates a score for the user's target audience profile tags based on the content of the dynamic credit scoring tags, generates a user credit score, and then sends the user credit score back to the dynamic credit scoring registration subsystem. The dynamic credit scoring registration subsystem then encrypts the user credit score and transmits the encrypted user credit score to the financial application service. Before the financial application service issues the user credit score request, the method further includes: when the user accesses the online services provided by the financial application service through the user's mobile device, the financial application service sends a user telecommunications authentication request to the dynamic credit score registration subsystem. After the dynamic credit score registration subsystem confirms the legality of the user telecommunications authentication request, it issues an authentication request to the dynamic credit score real-name authentication subsystem. The dynamic credit score method further includes: after the financial application service obtains the result of successful telecommunications authentication, it generates the user credit score request, and the financial application service applies for a one-time certificate through the dynamic credit score authorization element embedded in the financial application service webpage. After obtaining the one-time certificate, it adds the authorization period and authorization seal to the user credit score request to complete the time-limited authorization signature.

7. The dynamic credit scoring method as described in Request 6, wherein, The steps for the financial application service to apply for the one-time certificate and complete the time-limited authorization signing through the dynamic credit scoring authorization element include: having the key generation module generate a pair of keys and temporarily store them in the user's mobile device for applying for the one-time certificate; having the certificate application module apply for the one-time certificate from the dynamic credit scoring registration subsystem; and after obtaining the one-time certificate, having the time-limited authorization signing module use the private key of the pair of keys to add the authorization period and the authorization seal to the user's credit scoring request.

8. The dynamic credit scoring method as described in claim 7, wherein, The dynamic credit scoring registration subsystem confirms the user's credit scoring request and the timeliness authorization verification process by: instructing the dynamic credit scoring verification module, after receiving the user's credit scoring request, to compare the application programming interface key of the financial application service with the key stored in the dynamic credit scoring registration subsystem during service registration, so as to confirm the legitimacy of the user's credit scoring request when the two correspond.

9. The dynamic credit scoring method as described in claim 6, wherein, The dynamic credit scoring analysis subsystem includes the following steps: scoring the user's credit based on their telecommunications data and generating target audience profile tags for the user based on the content of the dynamic credit scoring tags. These steps include: having the payment data analysis module score the user's credit based on their telecommunications data; and having the big data tag analysis module perform user analysis based on the content of the dynamic credit scoring tags, either through a self-selected financial services tagging mode or an automatic tagging mode that best matches the user's profile. The self-selected financial services tagging mode generates a percentage score for the user's match to selected target audience profile tags based on the combination of target audience profile tags already selected for the financial application service. The automatic tagging mode selects the target audience profile tags that best match the user and have the highest percentage score from all the target audience profile tags.

10. The dynamic credit scoring method as described in claim 6, wherein, The user's telecommunications data and various target audience profile tags defined based on all users' user information are stored in a telecommunications big data database.

11. A computer-readable medium, applied in a computing device or computer, storing instructions for performing the dynamic credit scoring method as described in any one of claims 6 to 10.

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