Credit report query method, device, server and storage medium

Abstract

Embodiments of the present invention relate to the field of information processing technology, and in particular, to a credit report query method, device, server and storage medium. The method may include: upon receiving a query request for a credit report, obtaining a pre-configured policy mode and a query channel corresponding to the query request; for a channel process node in each process node in the query process of the credit report, determining a channel policy mode that matches the query channel under the channel process node from each policy mode, and executing the channel process node based on the channel policy mode; and obtaining a query result for the credit report based on the execution result of each process node. The technical solution of the embodiment of the present invention unifies the query process of credit reports under various query channels (i.e., omni-channels) based on the policy mode, thereby meeting the self-service query needs of credit reports under omni-channels, and providing a better user experience.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of information processing technology, and in particular, to a credit report query method, device, server and storage medium. Background Art

[0002] With the continuous advancement of the construction of the social credit system and the continuous enhancement of public credit awareness, the demand for credit report inquiries continues to increase.

[0003] Currently, when users check their credit reports, they need to go to the counter of the People's Bank of China Credit Information Center to handle it. There are problems such as low flexibility in handling time, long handling time, high pressure at the counter, etc., and the user experience is poor. Therefore, how to realize self-service inquiry of credit reports is a technical problem that needs to be solved urgently. Summary of the invention

[0004] The embodiments of the present invention provide a credit report query method, device, server and storage medium to achieve the effect of self-service query of credit reports.

[0005] In a first aspect, an embodiment of the present invention provides a credit report query method, which may include:

[0006] When receiving a credit report query request, obtaining a pre-configured policy mode and a query channel corresponding to the query request;

[0007] For the channel process nodes in each process node in the inquiry process of the credit report, determine the channel strategy mode that matches the inquiry channel under the channel process node from each strategy mode, and execute the channel process node based on the channel strategy mode;

[0008] Based on the execution results of each process node, the query results of the credit report are obtained.

[0009] In a second aspect, an embodiment of the present invention further provides a credit report query device, which may include:

[0010] A query channel acquisition module, used to acquire a pre-configured policy mode and a query channel corresponding to the query request when receiving a query request for a credit report;

[0011] A channel process node execution module is used to determine, from various strategy patterns, a channel strategy pattern that matches the query channel under the channel process node for each process node in the query process of the credit report, and execute the channel process node based on the channel strategy pattern;

[0012] The query result obtaining module is used to obtain the query result of the credit report according to the execution result of each process node.

[0013] In a third aspect, an embodiment of the present invention further provides a credit report query server, which may include:

[0014] one or more processors;

[0015] A memory for storing one or more programs;

[0016] When one or more programs are executed by one or more processors, the one or more processors implement the credit report query method provided by any embodiment of the present invention.

[0017] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the credit report query method provided by any embodiment of the present invention.

[0018] In a fifth aspect, an embodiment of the present invention further provides a computer program product on which a computer program is stored, and when the computer program is executed by a processor, the credit report query method provided by any embodiment of the present invention is implemented.

[0019] The technical solution of the embodiment of the present invention, when receiving a query request for a credit report, obtains the configured strategy mode and the query channel corresponding to the query request; for the channel process nodes in each process node in the query process of the credit report, since they are matched with their own channel strategy modes under various query channels, the channel strategy mode under the corresponding query channel can be determined from each strategy mode, and the channel process node is executed based on the channel strategy mode; further, the query result of the credit report is obtained according to the execution result of each process node. The above technical solution unifies the query process of credit reports under various query channels based on the strategy mode, thereby meeting the self-service query needs of credit reports under various query channels (i.e., omni-channel), and providing a better user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 It is a schematic diagram of the basic architecture of a self-service credit report query system at a commercial bank in a credit report query method in an embodiment of the present invention;

[0021] Figure 2 is a flow chart of a credit report query method in Embodiment 1 of the present invention;

[0022] Figure 3 is a flow chart of a credit report query method in Embodiment 2 of the present invention;

[0023] Figure 4 is a flow chart of a credit report query method in Embodiment 3 of the present invention;

[0024] Figure 5 is a flowchart of a query example in a credit report query method in Embodiment 3 of the present invention;

[0025] Figure 6 is a flow chart of a credit report query method in Embodiment 4 of the present invention;

[0026] Figure 7 It is a flowchart of a viewing example in a credit report query method in Embodiment 4 of the present invention;

[0027] Figure 8 This is a structural block diagram of a credit report query device in Embodiment 5 of the present invention;

[0028] Fig. 9 It is a structural diagram of a credit report query server in Embodiment 6 of the present invention. DETAILED DESCRIPTION

[0029] The present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It is also necessary to explain that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0030] It should also be emphasized that the acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0031] Before introducing the embodiments of the present invention, the application scenarios of the embodiments of the present invention are first exemplified: In order to solve the various problems caused by the need to inquire about credit reports at the counter of the People's Bank of China Credit Information Center, considering that the self-service channels of commercial banks have the characteristics of 24-hour service and office in any place, self-service inquiry of credit reports can be realized based on these self-service channels, so as to provide users with faster and more convenient credit report inquiry services. On this basis, the basic architecture of an optional commercial bank-side self-service credit report inquiry system is as follows: Figure 1 As shown: a user initiates a request for signing, querying, viewing, etc. of a self-service credit report through a commercial bank's customer channel (such as bank online banking, bank mobile client) or employee channel (i.e. bank ATM), which is forwarded to the credit report query service of the commercial bank (i.e. bank end) through the internal service routing of the commercial bank to accept and register the request; then the credit report query front-end generates a query request message, and interacts with the People's Bank of China Credit Information Center (i.e. People's Bank of China Credit Information Service End) to obtain the self-service credit report and save it in the protected local server of the commercial bank. Furthermore, in order to provide users with better credit report query services, various query channels can be integrated, and for this purpose, the inventor proposes the following credit report query methods.

[0032] Embodiment 1

[0033] Figure 2 This is a flow chart of a credit report query method provided in Embodiment 1 of the present invention. This embodiment is applicable to the case of self-service query of credit reports, and is particularly applicable to the case of omni-channel self-service query of credit reports. The method can be executed by the credit report query device provided in the embodiment of the present invention, and the device can be implemented by software and / or hardware, and the device can be integrated on a credit report query server.

[0034] See also Figure 2 The method of the embodiment of the present invention specifically includes the following steps:

[0035] S110: When a credit report query request is received, a pre-configured policy mode and a query channel corresponding to the query request are obtained.

[0036] The query request may be a request received by the credit report query server from a user for querying his own credit report. The user may also be referred to as a user to be queried, i.e., a user whose credit report is to be queried. The query channel may be the channel where the user initiated the query request, such as bank online banking, bank mobile client, bank ATM, etc., which are not specifically limited here.

[0037] The strategy pattern can be pre-configured information for each process node in the query process of how to execute the credit report under a certain query channel, where the strategy can be understood as a rule, the pattern can be understood as an application scenario, and a query channel is an application scenario. It should be noted that the advantage of adopting the strategy pattern is that, on the one hand, the rules can be isolated from the business logic, and the rules can be flexibly configured, quickly deployed and effective without affecting the overall business logic. As a result, the maintenance personnel of the credit report query service no longer have to be professional IT personnel, and the operation is more convenient; on the other hand, the corresponding strategy pattern can be matched according to the characteristics of each process node in terms of security and usability, thereby achieving the effect of customized configuration of each process node.

[0038] S120. For the channel process node in each process node in the credit report query process, determine the channel strategy pattern that matches the query channel under the channel process node from each strategy pattern, and execute the channel process node based on the channel strategy pattern.

[0039] Among them, the process node can be a node in the query process of the credit report, such as a notification node, an authorization and authentication node, a user information determination node, etc., which are not specifically limited here. The channel process node can be a node related to the query channel among the process nodes, specifically, it can be a process node whose execution process is affected by the query channel. For any channel process node, the corresponding channel strategy mode can be a strategy mode determined from various strategy modes that matches the query channel under the channel process node, so after obtaining the channel strategy mode, the channel process node can be executed based on the channel strategy mode.

[0040] It should be noted that this step only limits the execution process of the channel process node. As for whether and how the remaining process nodes are executed, no specific limitation is made here.

[0041] S130. Obtain the query result of the credit report according to the execution result of each process node.

[0042] Each process node has its own execution result, such as not executed, executed successfully, failed to execute, etc. According to the execution result of each process node, the query result of the above credit report can be obtained, such as query failed, query successful and the credit report is blank (i.e., no credit report is obtained), query successful and credit report is obtained, etc., which are not specifically limited here.

[0043] The technical solution of the embodiment of the present invention, when receiving a query request for a credit report, obtains the configured strategy mode and the query channel corresponding to the query request; for the channel process nodes in each process node in the query process of the credit report, since they are matched with their own channel strategy modes under various query channels, the channel strategy mode under the corresponding query channel can be determined from each strategy mode, and the channel process node is executed based on the channel strategy mode; further, the query result of the credit report is obtained according to the execution result of each process node. The above technical solution unifies the query process of credit reports under various query channels based on the strategy mode, thereby meeting the self-service query needs of credit reports under various query channels (i.e., omni-channel), and providing a better user experience.

[0044] In an optional technical solution, the channel process node may include a notification node. Executing the channel process node based on the channel strategy mode may include: determining the candidate notification methods supported by the query channel according to the channel strategy mode, and displaying the candidate notification methods; when receiving the notification method selection event acting on the display result, determining the target notification method from the candidate notification methods according to the notification method selection event; after obtaining the query result of the credit report, the credit report query method may also include: obtaining a notification template corresponding to the query result and the target notification method, generating the notification content of the query result according to the notification template, and pushing the notification content based on the target notification method. Among them, the notification node may be a process node for determining how to notify the user of the query result; the candidate notification method may include the notification methods that can be supported by the query channel where the user is located according to the channel strategy mode, such as SMS, email, etc., and displaying the candidate notification methods so that the user can select a candidate notification method according to the display result. The notification method selection event may be an event triggered after the user selects a candidate notification method, based on which the candidate notification method selected by the user can be determined, and the candidate notification method is used as the target notification method. Furthermore, since the query results may include a variety of content, such as the failure reason when the query fails, the credit record when the query succeeds, the credit report when the query succeeds, etc., after obtaining the query results, you can obtain the notification template corresponding to the query results and the target notification method, generate the notification content of the query results according to the notification template, and the notification content is the content notified to the user, and then push the notification content based on the target notification method. The above technical solution effectively unifies the notification process of query results under all channels and achieves the effect of personalized notification of query results.

[0045] On this basis, optionally, after generating the notification content of the query result according to the notification template, the above-mentioned credit report query method may also include: determining whether the current time belongs to the do not disturb period according to the policy mode related to the push period in each policy mode; pushing the notification content based on the target notification method may include: if so, prohibiting the push of notification content at the current time; otherwise, pushing the notification content based on the target notification method at the current time, thereby avoiding the situation where the user is disturbed by the push of the notification content.

[0046] Embodiment 2

[0047] Figure 3It is a flow chart of a credit report query method provided in the second embodiment of the present invention. This embodiment is optimized based on the above-mentioned technical solutions. In this embodiment, optionally, obtaining the query channel corresponding to the query request may include: obtaining the query type and query channel corresponding to the query request; determining the channel strategy mode that matches the query channel under the channel process node from each strategy mode, including: determining the channel strategy mode that matches the query channel and query type under the channel process node from each strategy mode. Among them, the explanations of the terms that are the same or corresponding to the above-mentioned embodiments are not repeated here.

[0048] See also Figure 3 The method of this embodiment may specifically include the following steps:

[0049] S210: When a credit report query request is received, a pre-configured policy mode, and a query type and a query channel corresponding to the query request are obtained.

[0050] Among them, the query type can indicate the type of credit report to be queried, such as corporate credit report, personal credit report, etc.

[0051] S220. For the channel process nodes in each process node in the credit report query process, determine the channel strategy pattern that matches the query channel and query type under the channel process node from each strategy pattern, and execute the channel process node based on the channel strategy pattern.

[0052] Among them, the specific execution process of some channel process nodes is not only related to the query channel, but also related to the query type, such as authorization and authentication nodes, detailed record nodes, etc. Therefore, the channel strategy pattern corresponding to the channel process node can be a strategy pattern that matches both the query channel and the query type.

[0053] S230. Obtain the query result of the credit report according to the execution result of each process node.

[0054] The technical solution of the embodiment of the present invention obtains the query type corresponding to the query request, and then determines the channel strategy pattern that matches the query channel and the query type under the channel process node from each strategy pattern, thereby achieving the effect of accurately determining the channel strategy pattern.

[0055] An optional technical solution, the channel process node may include an authorization authentication node, and executing the channel process node based on the channel strategy mode may include: obtaining the authorization agreement corresponding to the channel strategy mode, and displaying the authorization agreement; after receiving the signed authorization agreement, authenticating based on the signed authorization agreement, and after the authentication is passed, continuing to execute the process nodes that have not been executed yet. Among them, the authorization agreement can be an agreement for determining whether the user authorizes the query of the credit report, and the specific content of the agreement is related to both the query channel and the query type. The authorization agreement is displayed to the user so that he can perform online authorization. If the signed authorization agreement is received, it means that the user has authorized the query of the credit report, and then the authentication can be performed based on the signed authorization agreement, thereby determining whether the query request is initiated by the user himself. If so, the credit report query process can continue, otherwise the query is stopped, which effectively ensures the security of the credit report query.

[0056] Another optional technical solution is that after obtaining the query result of the credit report, the above-mentioned credit report query method may also include: based on the policy mode in each policy mode used to implement detailed records and matching the query channel and query type, record the detailed information of the current query request, wherein the detailed information includes at least one of the authentication method, authentication device information and query element information. Thus, a report can be generated based on the recorded detailed information for internal management and regulatory verification; it can be used for omni-channel control of detailed information; it can also be used to distinguish various query channels and count the query volume under each query channel in order to determine the application of each query channel.

[0057] Embodiment 3

[0058] Figure 4 It is a flow chart of a credit report query method provided in the third embodiment of the present invention. This embodiment is optimized based on the above-mentioned technical solutions. In this embodiment, optionally, the above-mentioned credit report query method may also include: obtaining the query type corresponding to the query request; for the type process node in each process node, determining the type strategy pattern that matches the query type under the type process node from each strategy pattern, and executing the type process node based on the type strategy pattern. Among them, the explanations of the terms that are the same or corresponding to the above-mentioned embodiments are not repeated here.

[0059] See also Figure 4 The method of this embodiment may specifically include the following steps:

[0060] S310: When a credit report query request is received, a pre-configured policy mode, and a query channel and a query type corresponding to the query request are obtained.

[0061] S320. For the channel process node in each process node in the credit report query process, determine the channel strategy pattern that matches the query channel under the channel process node from each strategy pattern, and execute the channel process node based on the channel strategy pattern.

[0062] S330. For the type process node in each process node, determine the type strategy pattern that matches the query type under the type process node from each strategy pattern, and execute the type process node based on the type strategy pattern.

[0063] Among them, the type process node can be a node related to the query type in each process node, specifically, it can be a process node whose execution process is affected by the query type, such as an abnormal query blocking node, a user information determination node, etc. For any type process node, the corresponding type strategy pattern can be a strategy pattern determined from various strategy patterns and matching the query type under the type process node, so after obtaining the type strategy pattern, the type process node can be executed based on the type strategy pattern.

[0064] S340. Obtain the query result of the credit report according to the execution result of each process node.

[0065] The technical solution of the embodiment of the present invention obtains the query type corresponding to the query request, and for the type process nodes in each process node, determines the type strategy pattern that matches the query type under the type process node from each strategy pattern, and executes the type process node based on the type strategy pattern, thereby achieving the effect of personalized execution of the type process node.

[0066] In an optional technical solution, the type process node may include an abnormal query blocking node. Executing the type process node based on the type strategy mode may include: obtaining the user to be queried corresponding to the query request, determining the number of queries that have occurred on all query channels within the preset time period by the user to be queried; determining the upper limit of the number of queries allowed on all query channels within the preset time period according to the type strategy mode; determining whether the current query request belongs to an abnormal query according to the number of queries and the upper limit of the number of queries, if not, continuing to execute the process nodes that have not been executed yet. Among them, the abnormal query blocking node may be a process node for stopping the query when the current query request belongs to an abnormal query. The preset time period may be a pre-set time period, such as the current year, the current month, or the current day. The number of queries may be the total number of queries that the user to be queried has made on various query channels within the preset time period, and the upper limit of the number of queries may be the maximum number of queries allowed on various query channels within the preset time period determined according to the type strategy mode. Therefore, it is possible to determine whether the current query request belongs to an abnormal query based on the two. If the upper limit of the number of queries is less than the number of queries, it is considered to be an abnormal query, and the query may be stopped when it is an abnormal query, thereby ensuring the security of credit report query. In the above technical solution, since the number of queries and the upper limit of the number of queries are all data under all channels, it achieves the effect of blocking abnormal queries under all-channel control.

[0067] Another optional technical solution, the query type includes enterprise credit report query, the type process node includes a user information determination node, and the execution of the type process node based on the type strategy mode may include: obtaining the user information of the user to be queried corresponding to the query request, and determining the priority of each certificate type in the user information according to the type strategy mode; determining the target certificate type from each certificate type based on the priority; using the user name, target certificate type, and target certificate identifier under the target certificate type in the user information as the target user information; sending the target user information to the credit service end of the People's Bank of China, and receiving the query result returned by the credit service end of the People's Bank of China for the target user information. Among them, the user information determination node may include a process node for determining what kind of user information is used as the basis for the credit report query. When the query type is an enterprise credit report query, since there are many certificate types of the enterprise, and the certificate identifiers under each certificate type have a one-to-one correspondence, in order to simplify the query process while ensuring the query accuracy of the credit report, the priority of each certificate type in the user information can be determined according to the type strategy mode, and then the target certificate type is determined from each certificate type based on the priority, which can be the certificate type with the highest priority among each certificate type. Furthermore, the user name, target certificate type, and target certificate identifier under the target certificate type in the user information are used as the target user information (i.e., the basis for the credit report query), and then sent to the PBOC credit service end, so that the PBOC credit service end can query the matching credit report based on the target user information and return the query result. The above technical solution can ensure the accuracy and simplicity of the credit report query at the same time.

[0068] In order to better understand the specific implementation process of the above steps, the following is an exemplary description of the steps with reference to specific examples. Figure 5 , specifically:

[0069] 1. The user to be queried enters the self-service credit report inquiry service provided by the commercial bank through various inquiry channels of the commercial bank and initiates an inquiry application.

[0070] 2. The commercial bank receives the query request and transfers it to the back-end service (i.e., the credit report query server) to match the query type, such as corporate credit report query or personal credit report query.

[0071] 3. According to the query channel and query type, according to the policy mode, match the authorization protocols of different query channels and display them to the user to be queried for authorization and authentication; at the same time, the authorization protocol supports online replacement.

[0072] 4. After authentication, enter the abnormal query blocking judgment, including two judgment points:

[0073] a) Determine whether there is an inquiry being processed on that day. If so, reject the current inquiry request and indicate that there is an inquiry being processed and that further inquiry cannot be made;

[0074] b) Based on the query type and the strategy mode, further match the judgment rules for blocking abnormal queries, including the number of queries in the year, the number of queries in the month, the number of queries on the day, etc. under all channels; at the same time, support the switch control of query over-limit judgment and the corresponding strategy mode to support online replacement.

[0075] 5. According to the query channel and the policy mode, the candidate notification methods supported by the query channel are matched, which are used for the commercial bank to notify the users to be queried after obtaining the credit report from the credit reporting service end of the People's Bank of China; the users to be queried can check from the candidate notification methods; the corresponding policy mode supports online replacement.

[0076] 6. Register the query request and enter the acceptance according to the query type.

[0077] 7. According to the query type and strategy mode, enter different acceptance branches:

[0078] a) For corporate credit report inquiries, since there are many types of certificates, the certificate type with the highest priority (i.e., the target certificate type) is matched according to the policy mode as the three elements of the query (customer name, target certificate type, and target certificate number under the target certificate type, which uniquely identifies the information subject). For example, the organization code is given the highest priority and the unified social credit code is given the second highest priority. The corresponding policy mode supports online replacement. At the same time, since the corporate credit report query provided by the People's Bank of China's credit reporting service end is a webservice interface, commercial banks request the People's Bank of China's credit reporting service end through Webservice.

[0079] b) Personal credit report inquiry: the inquiry method provided by the People's Bank of China's credit reporting service end is batch request, and the commercial bank end requests the People's Bank of China's credit reporting service end in batches.

[0080] 8. After sending the query request to the PBOC credit reporting service end, the commercial bank begins to poll the query results returned by the PBOC credit reporting service end.

[0081] 9. After polling the query results returned by the People's Bank of China, the commercial bank determines the query status in the query results:

[0082] a) If the query status is failed (for example, the ID number does not exist, the ID number and the user name are inconsistent, etc.), the notification method and notification template in the case of query failure are matched according to the policy mode to notify the query status and failure reason of the user to be queried. At the same time, the notification method and notification template support online replacement;

[0083] b) The query status is successful:

[0084] i. Further determine whether the person does not exist (e.g., if the person is a minor, the PBOC does not have a credit report on him / her, and the credit record is empty). For the scenario of a credit-free household, match the notification method and notification template in the case of no such person according to the policy mode, and notify the query result to the user to be queried; the notification method and notification template can be replaced online;

[0085] ii. If the query is successful and a credit report is returned, the notification content is generated by matching the notification template of the current query channel based on the target notification method and the policy mode. The notification template also supports online replacement.

[0086] 10. After the notification content is generated, match whether the current time belongs to the do not disturb period according to the policy mode; the do not disturb period supports flexible configuration and online replacement:

[0087] a) During the do not disturb period, no messages will be sent;

[0088] b) If it is not a DND period, send it immediately.

[0089] 11. According to the query type and query channel, based on the strategy model, record the detailed information of this query for use in reconciliation.

[0090] Embodiment 4

[0091] Figure 6 It is a flow chart of a credit report query method provided in the fourth embodiment of the present invention. This embodiment is optimized based on the above-mentioned technical solutions. In this embodiment, optionally, after obtaining the query result of the credit report, the above-mentioned credit report query method may also include: when receiving a request to view the credit report, obtaining the viewing channel and query result corresponding to the viewing request, and determining the query status in the query result; if the query status is a successful query, then based on the policy mode that matches the query channel in each policy mode for realizing report viewing, determine the candidate viewing modes supported by the viewing channel, and display each candidate viewing mode; when receiving a viewing mode selection event acting on the viewing result, determine the target viewing mode from each candidate viewing mode according to the viewing mode selection event; display the credit report obtained by the query based on the target viewing mode; and / or, if the query status is a query failure, display the failure reason on the channel interface of the viewing channel. Among them, the explanations of the terms that are the same or corresponding to the above-mentioned embodiments are not repeated here.

[0092] See also Figure 6 The method of this embodiment may specifically include the following steps:

[0093] S410: When a credit report query request is received, a pre-configured policy mode and a query channel corresponding to the query request are obtained.

[0094] S420. For the channel process node in each process node in the credit report query process, determine the channel strategy pattern that matches the query channel under the channel process node from each strategy pattern, and execute the channel process node based on the channel strategy pattern.

[0095] S430. Obtain the query result of the credit report according to the execution result of each process node.

[0096] S440. When a request to view a credit report is received, a viewing channel and a query result corresponding to the viewing request are obtained, and a query status in the query result is determined.

[0097] Among them, the viewing request can be a request for viewing the credit report of a user received by the credit report query server. The user can also be called the user to be viewed, that is, the user whose credit report is to be viewed. The viewing channel can be the channel where the user initiates the viewing request, such as bank online banking, bank mobile client, bank ATM, etc., which are not specifically limited here. It should be noted that since there is a time interval between initiating the query request and obtaining the query result, there is a viewing demand for some users. The query result may include the query status and the query content in the query status, and the query status may be a successful query or a failed query.

[0098] S450: If the query status is successful, then based on the strategy patterns in each strategy pattern that are used to implement report viewing and match the query channel, determine each candidate viewing mode supported by the viewing channel, and display each candidate viewing mode.

[0099] Among them, the candidate viewing methods can be the viewing methods that can be supported by the viewing channel where the user is located according to the channel strategy model, such as online viewing, SMS sending, email sending, ATM printing, etc. These candidate viewing methods are displayed so that the user can select a candidate viewing method based on the display results.

[0100] S460: When a viewing method selection event acting on a viewing result is received, a target viewing method is determined from each candidate viewing method according to the viewing method selection event, and the credit report obtained by the query is displayed based on the target viewing method.

[0101] Among them, the viewing method selection event can be an event triggered after the user selects a candidate viewing method. Based on it, the candidate viewing method selected by the user can be determined, and the candidate viewing method can be used as the target viewing method, thereby displaying the credit report obtained by the queried based on the target viewing method.

[0102] S470. If the query status is query failure, the reason for the failure is displayed on the channel interface for viewing the channel.

[0103] It should be noted that S450 and S460 are related technical features, and S470 is another technical feature, that is, S450 and S460, as well as S470 can be executed one by one or both, and no specific equivalent is made here.

[0104] The technical solution of the embodiment of the present invention obtains the viewing channel and query result corresponding to the received credit report viewing request, and selects a corresponding method to display the query result according to the query status in the query result, thereby effectively unifying the viewing process of the query result under all channels and achieving the effect of personalized viewing of the query results.

[0105] In order to better understand the specific implementation process of the above steps, the following is an exemplary description of the steps with reference to specific examples. Figure 7 , specifically:

[0106] 1. The user to be queried enters the self-service credit report viewing and downloading service provided by the commercial bank through various viewing channels of the commercial bank and initiates a viewing application.

[0107] 2. The commercial bank receives the viewing request and transfers it to the back-end service (i.e., the credit report query server), matching the viewing type, such as corporate credit report viewing or personal credit report viewing.

[0108] 3. Get the query status in the query results:

[0109] a) If the query status is failed, the failure reason will be displayed on the channel interface;

[0110] b) The query status is successful. According to the policy mode, the candidate viewing methods supported by the current viewing channel are matched; at the same time, the viewing method supports online replacement and secure download.

[0111] 4. The backend service obtains the credit report and displays the credit report according to the target viewing method selected by the user to be viewed.

[0112] Embodiment 5

[0113] Figure 8 This is a structural block diagram of a credit report query device provided in Embodiment 5 of the present invention. The device is used to execute the credit report query method provided in any of the above embodiments. The device and the credit report query method in the above embodiments belong to the same inventive concept. For details not described in detail in the embodiments of the credit report query device, please refer to the embodiments of the above credit report query method. Figure 8The device may specifically include: a query channel acquisition module 510, a channel process node execution module 520 and a query result acquisition module 530.

[0114] The query channel acquisition module 510 is used to acquire the pre-configured policy mode and the query channel corresponding to the query request when receiving a query request for a credit report;

[0115] The channel process node execution module 520 is used to determine, from each strategy pattern, a channel strategy pattern matching the query channel under the channel process node for each process node in the query process of the credit report, and execute the channel process node based on the channel strategy pattern;

[0116] The query result obtaining module 530 is used to obtain the query result of the credit report according to the execution result of each process node.

[0117] Optionally, the channel process node includes a notification node, and the channel process node execution module 520 includes:

[0118] A candidate notification method display unit is used to determine each candidate notification method supported by the query channel according to the channel strategy mode, and display each candidate notification method;

[0119] A target notification mode notification unit, configured to determine a target notification mode from among candidate notification modes according to the notification mode selection event when receiving a notification mode selection event acting on a display result;

[0120] The above-mentioned credit report query device may also include:

[0121] A notification content generation module is used to obtain a notification template corresponding to the query result and the target notification method after obtaining the query result of the credit report, and generate notification content of the query result according to the notification template;

[0122] The notification content push module is used to push notification content based on the target notification method.

[0123] On this basis, optionally, the credit report query device may further include:

[0124] A do not disturb period determination module, used to determine whether the current time belongs to the do not disturb period according to the policy mode related to the push period in each policy mode after generating the notification content of the query result according to the notification template;

[0125] The notification content push module may include:

[0126] A notification content push prohibition unit, used to prohibit the push of notification content at the current time if yes;

[0127] The notification content pushing unit is used to push the notification content in a target notification mode at the current time.

[0128] Optionally, the query result includes at least one of the following: a reason for failure if the query fails, a credit-cleared household if the query succeeds, and a credit report if the query succeeds.

[0129] Optionally, the query channel acquisition module 510 may include:

[0130] A query channel acquisition unit, used to acquire a query type and a query channel corresponding to a query request;

[0131] The channel process node execution module 520 may include:

[0132] The channel strategy mode determination unit is used to determine, from various strategy modes, a channel strategy mode that matches the query channel and the query type under the channel process node.

[0133] On this basis, optionally, the channel process node may include an authorization and authentication node, and the channel process node execution module 520 may include:

[0134] The authorization agreement display unit is used to obtain the authorization agreement corresponding to the channel strategy mode and display the authorization agreement;

[0135] The process node execution unit is used to perform authentication based on the signed authorization agreement after receiving the signed authorization agreement, and continue to execute the process nodes that have not been executed after the authentication is passed.

[0136] Optionally, the credit report query device may further include:

[0137] A detailed information recording module is used to record the detailed information of the current query request after obtaining the query result of the credit report, based on the policy mode in each policy mode used to implement detailed recording and matching the query channel and query type, wherein the detailed information includes at least one of the authentication method, authentication device information and query element information.

[0138] Optionally, the credit report query device may further include:

[0139] A query type acquisition module, used to acquire the query type corresponding to the query request;

[0140] The type process node execution module is used to determine the type strategy pattern that matches the query type under the type process node from each strategy pattern for the type process node in each process node, and execute the type process node based on the type strategy pattern.

[0141] On this basis, optionally, the type process node may include an abnormal query blocking node, and the type process node execution module may include:

[0142] A query number determination unit, used to obtain the to-be-queried user corresponding to the query request, and determine the number of queries that have occurred by the to-be-queried user on all query channels within a preset time period;

[0143] A query number upper limit determination unit, used to determine the upper limit of the query number allowed on all query channels within a preset time period according to the type strategy mode;

[0144] The process node suspension execution unit is used to determine whether the current query request is an abnormal query based on the query number and the query number upper limit. If not, continue to execute the process node that has not been executed yet.

[0145] Optionally, the query type may include an enterprise version credit report query, the type process node includes a user information determination node, and the type process node execution module may include:

[0146] A priority determination unit, used to obtain user information of a user to be queried corresponding to the query request, and determine the priority of each certificate type in the user information according to the type policy mode;

[0147] A target certificate type determination unit, used to determine a target certificate type among various certificate types based on a priority;

[0148] A target user information obtaining unit, used to use the user name, target certificate type, and target certificate identifier under the target certificate type in the user information as the target user information;

[0149] The query result receiving unit is used to send the target user information to the PBOC credit reporting service end and receive the query result returned by the PBOC credit reporting service end for the target user information.

[0150] Optionally, the credit report query device may further include:

[0151] A query status determination module, which is used to obtain the query result of the credit report and the query result corresponding to the query request when receiving the request to view the credit report after obtaining the query result of the credit report, and determine the query status in the query result;

[0152] A candidate viewing mode display module is used to determine each candidate viewing mode supported by the viewing channel based on the strategy mode matching the query channel in each strategy mode for realizing report viewing if the query status is query success, and display each candidate viewing mode;

[0153] A target viewing mode determination module, configured to determine a target viewing mode from among candidate viewing modes according to the viewing mode selection event when receiving a viewing mode selection event acting on the viewing result;

[0154] A credit report display module is used to display the credit report obtained through the query based on the target viewing method;

[0155] And / or, a failure reason display module is used to display the failure reason on the channel interface of the viewing channel if the query status is query failure.

[0156] Optional inquiry channels include bank ATMs, online banking or bank mobile clients.

[0157] The credit report query device provided in the fifth embodiment of the present invention, when receiving a query request for a credit report, obtains the configured strategy mode and the query channel corresponding to the query request through the query channel acquisition module; through the channel process node execution module, for the channel process nodes in each process node in the query process of the credit report, since they are matched with their own channel strategy modes under various query channels, it is possible to determine the channel strategy mode under the corresponding query channel from each strategy mode, and execute the channel process node based on the channel strategy mode; further, the query result of the credit report is obtained according to the execution result of each process node through the query result acquisition module. The above device unifies the query process of credit reports under various query channels based on the strategy mode, thereby meeting the self-service query needs of credit reports under various query channels (i.e., omni-channel), and providing a better user experience.

[0158] The credit report query device provided in the embodiment of the present invention can execute the credit report query method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0159] It is worth noting that in the embodiment of the above-mentioned credit report query device, the various units and modules included are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of the present invention.

[0160] Embodiment 6

[0161] Fig. 9 A structural diagram of a credit report query server provided in Embodiment 6 of the present invention is shown in FIG. Fig. 9 As shown, the server includes a memory 610, a processor 620, an input device 630, and an output device 640. The number of processors 620 in the server can be one or more. Fig. 9A processor 620 is used as an example; the memory 610, the processor 620, the input device 630 and the output device 640 in the server can be connected via a bus or other means. Fig. 9 The connection via bus 650 is taken as an example.

[0162] The memory 610, as a computer-readable storage medium, can be used to store software programs, computer executable programs and modules, such as program instructions / modules corresponding to the credit report query method in the embodiment of the present invention (for example, the query channel acquisition module 510, the channel process node execution module 520 and the query result acquisition module 530 in the credit report query device). The processor 620 executes various functional applications and data processing of the server by running the software programs, instructions and modules stored in the memory 610, that is, realizing the above-mentioned credit report query method.

[0163] The memory 610 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and at least one application required for a function; the data storage area may store data created according to the use of the server, etc. In addition, the memory 610 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some instances, the memory 610 may further include a memory remotely arranged relative to the processor 620, and these remote memories may be connected to the device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0164] The input device 630 may be used to receive input digital or character information and generate key signal input related to user settings and function control of the device. The output device 640 may include a display device such as a display screen.

[0165] Embodiment 7

[0166] Embodiment 7 of the present invention provides a storage medium including computer executable instructions, wherein the computer executable instructions are used to execute a credit report query method when executed by a computer processor, the method comprising:

[0167] When receiving a credit report query request, obtaining a pre-configured policy mode and a query channel corresponding to the query request;

[0168] For the channel process nodes in each process node in the inquiry process of the credit report, determine the channel strategy mode that matches the inquiry channel under the channel process node from each strategy mode, and execute the channel process node based on the channel strategy mode;

[0169] Based on the execution results of each process node, the query results of the credit report are obtained.

[0170] Of course, the storage medium containing computer executable instructions provided in an embodiment of the present invention is not limited to the method operations described above, and the computer executable instructions can also execute related operations in the credit report query method provided in any embodiment of the present invention.

[0171] Through the above description of the implementation methods, the technicians in the relevant field can clearly understand that the present invention can be implemented by means of software and necessary general hardware, and of course it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as a computer floppy disk, read-only memory (ROM), random access memory (RAM), flash memory (FLASH), hard disk or optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, server, or network device, etc.) to execute the methods described in each embodiment of the present invention.

[0172] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A credit report query method, characterized in that: include: When receiving a credit report query request, obtaining a pre-configured strategy mode and a query channel corresponding to the query request; wherein the strategy mode is pre-configured information for indicating how to execute each process node in a credit report query process under a certain query channel; For a channel process node in each process node in the query process of the credit report, determine a channel strategy pattern matching the query channel under the channel process node from each strategy pattern, and execute the channel process node based on the channel strategy pattern; Obtaining the query result of the credit report according to the execution result of each of the process nodes; The obtaining of the query channel corresponding to the query request includes: obtaining the query type and the query channel corresponding to the query request; The determining of the channel strategy pattern matching the query channel under the channel process node from each of the strategy patterns comprises: determining the channel strategy pattern matching the query channel and the query type under the channel process node from each of the strategy patterns; After obtaining the query result of the credit report, the method further includes: Based on the policy pattern in each policy pattern used to implement detailed recording and matching the query channel and the query type, detailed information of the current query request is recorded, wherein the detailed information includes at least one of the authentication method, authentication device information and query element information.

2. The method according to claim 1, characterized in that The channel process node includes a notification node, and the executing the channel process node based on the channel strategy mode includes: Determine each candidate notification method supported by the query channel according to the channel strategy mode, and display each candidate notification method; When receiving a notification mode selection event acting on the display result, determining a target notification mode from the candidate notification modes according to the notification mode selection event; After obtaining the query result of the credit report, the method further includes: Acquire a notification template corresponding to the query result and the target notification mode, and generate notification content of the query result according to the notification template; The notification content is pushed based on the target notification mode.

3. The method according to claim 2, characterized in that After generating the notification content of the query result according to the notification template, the method further includes: Determining whether the current time belongs to a do not disturb period according to the policy mode related to the push period in each of the policy modes; The pushing of the notification content based on the target notification mode includes: If yes, then push of the notification content at the current time is prohibited; Otherwise, the notification content is pushed based on the target notification method at the current time.

4. The method according to claim 2, characterized in that: The query result includes at least one of the following: a failure reason if the query fails, a credit clean account if the query succeeds, and the credit report if the query succeeds.

5. The method according to claim 1, characterized in that The channel process node includes an authorization and authentication node, and the executing the channel process node based on the channel strategy mode includes: Obtaining an authorization agreement corresponding to the channel strategy mode, and displaying the authorization agreement; After receiving the signed authorization agreement, authentication is performed based on the signed authorization agreement, and after the authentication is passed, the process node that has not been executed yet is continued to be executed.

6. The method according to claim 1, characterized in that Also includes: Obtaining a query type corresponding to the query request; For a type process node in each of the process nodes, a type strategy pattern matching the query type under the type process node is determined from each of the strategy patterns, and the type process node is executed based on the type strategy pattern.

7. The method according to claim 6, characterized in that The type process node includes an abnormal query blocking node, and the execution of the type process node based on the type strategy mode includes: Acquire the to-be-queried user corresponding to the query request, and determine the number of queries that have occurred by the to-be-queried user on all the query channels within a preset time period; Determine the upper limit of the number of queries allowed on all the query channels within a preset time period according to the type strategy mode; According to the query times and the query times upper limit, determine whether the current query request is an abnormal query, and if not, continue to execute the process node that has not been executed yet.

8. The method according to claim 6, characterized in that The query type includes an enterprise version credit report query, the type process node includes a user information determination node, and the execution of the type process node based on the type policy mode includes: Acquire user information of a user to be queried corresponding to the query request, and determine the priority of each certificate type in the user information according to the type policy mode; Determining a target document type from among the document types based on the priority; The user name in the user information, the target certificate type, and the target certificate identifier under the target certificate type are used as the target user information; The target user information is sent to the PBOC credit reporting service end, and the query result returned by the PBOC credit reporting service end for the target user information is received.

9. The method according to claim 1, characterized in that: After obtaining the query result of the credit report, the method further includes: Upon receiving a request to view the credit report, obtaining a viewing channel and a query result corresponding to the viewing request, and determining a query status in the query result; If the query status is successful, then based on the strategy mode that matches the query channel and is used to implement report viewing in each strategy mode, determine each candidate viewing mode supported by the viewing channel, and display each candidate viewing mode; When a viewing mode selection event acting on the viewing result is received, a target viewing mode is determined from the candidate viewing modes according to the viewing mode selection event; Displaying the credit report obtained through query based on the target viewing method; And / or, if the query status is query failure, the reason for the failure is displayed on the channel interface of the viewing channel.

10. The method according to claim 1, characterized in that The inquiry channels include bank ATMs, bank online banking or bank mobile clients.

11. A credit report query device, characterized in that: include: A query channel acquisition module, used to acquire a pre-configured strategy mode and a query channel corresponding to the query request when receiving a query request for a credit report; wherein the strategy mode is pre-configured information for indicating how to execute each process node in the query process of a credit report under a certain query channel; A channel process node execution module, for determining, from each of the strategy patterns, a channel strategy pattern matching the query channel under the channel process node, for a channel process node in each process node in the query process of the credit report, and executing the channel process node based on the channel strategy pattern; A query result obtaining module, used to obtain the query result of the credit report according to the execution result of each process node; The query channel acquisition module includes: A query channel acquisition unit, used to acquire a query type and a query channel corresponding to the query request; The channel process node execution module includes: A channel strategy mode determination unit, configured to determine, from among the strategy modes, a channel strategy mode matching the query channel and the query type under the channel process node; The credit report query device further includes: A detailed information recording module is used to record the detailed information of the current query request after obtaining the query result of the credit report, based on the policy mode in each policy mode used to implement detailed recording and matching the query channel and the query type, wherein the detailed information includes at least one of the authentication method, authentication device information and query element information.

12. A credit report query server, characterized in that: include: one or more processors; A memory for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the credit report query method as described in any one of claims 1-10.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the credit report query method as described in any one of claims 1-10 is implemented.

14. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the credit report query method according to any one of claims 1 to 10 is implemented.

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