Credit investigation service classification method and system integrated based on credit investigation service transaction platform

Abstract

This invention discloses a method and system for classifying credit reporting services based on an integrated digital credit reporting service transaction platform. The method includes: acquiring user demand information; inputting the user demand information into the integrated digital credit reporting service transaction platform for information transaction processing of user requests to purchase credit reporting services; and, through information transaction processing, classifying credit reporting services using the integrated digital credit reporting service transaction platform and recommending corresponding credit reporting services to users. This invention can integrate multi-source, heterogeneous, and diverse types of digital credit reporting services, comprehensively plan the underlying big data capabilities and massive credit data services for application in various upper-level credit reporting scenarios, integrate digital credit reporting services on the platform for seamless user access, and provide external credit reporting service providers with service openness capabilities, enabling them to easily access the platform with minimal system modifications, effectively realizing the classification and application of credit reporting services.

Description

Technical Field

[0001] This invention relates to the technical fields of big data credit reporting, service integration, and data service transactions, and particularly to a credit reporting service classification method and system based on the integration of a credit reporting service transaction platform. Background Technology

[0002] Building a unified platform to integrate diverse internal and external services is highly valuable, providing users with a one-stop service experience. Digital credit reporting services refer to computer-based services built upon emerging technologies such as big data processing and analysis. Credit reporting service providers are enterprises or organizations that offer credit reporting services. "Cross-organizational" means that the service and integration platform do not belong to the same enterprise or organization, and their technical models and system environments are isolated. In the field of big data credit reporting, due to the numerous and dispersed nature of digital credit reporting services, there are significant differences in production environments, service configurations, and usage models among cross-organizational credit reporting service providers. Therefore, building a digital credit reporting service trading platform that integrates various digital credit reporting services and provides users with the capabilities for data collection, big data computing and processing, big data analysis, model training and usage, and business application functions, while also enabling service transactions, has significant application value. This requires the support of efficient and feasible service integration technologies.

[0003] Existing service integration technologies are typically embodied in unified login platforms and cloud marketplaces. Unified login platforms usually employ Single Sign-On (SSO) technology. Examples of existing solutions include university unified information portals, where logging in allows access to internal university services such as academic affairs, finance, and student affairs systems; and enterprise OA (Office Automation) systems, where logging in allows access to internal enterprise services such as file systems, email systems, ticketing systems, and communication systems. Cloud marketplaces are collections of cloud services, typically offering infrastructure rental services, API (Application Programming Interface) call services, professional service consulting, or training. Existing cloud marketplace solutions include Alibaba Cloud Marketplace, Huawei Cloud Marketplace, Amazon Web Services Marketplace, Yonyou Cloud Marketplace, and Inspur Cloud Marketplace.

[0004] However, existing service integration technologies are typically limited to integrating internal services, and for cross-organizational external service integration, they are limited to integrating API interface services. For example, some unified authentication platforms provide service application integration for their own enterprises or units, but cannot integrate external services from other enterprises or units, i.e., cross-organizational services; some cloud marketplaces have implemented service integration of external API interfaces, but this is only because API interface services are easy to integrate, requiring only proper management of API interface addresses, request and response formats, and authentication during requests. Due to cross-platform barriers in user systems, the significant work involved in cross-organizational service integration transformation, and the complexity of cross-organizational service authentication and billing, existing integration service methods cannot integrate external model services, external file download services, external system platform services, or even external data API interface services with strict data security requirements. Especially for digital services in the credit reporting field, data security requirements are particularly stringent, constrained by relevant credit data security regulations and laws, making the integration of digital credit reporting services extremely difficult. Credit reporting data, models, and applications cannot circulate freely due to the sensitivity of the credit reporting industry to iteratively upgrade and improve the level of credit reporting services. In summary, during the exploration of building a digital credit reporting service trading platform, there is still no effective service integration technology for integrating various types of digital credit reporting services. Summary of the Invention

[0005] The present invention aims to at least partially solve one of the technical problems in the related art.

[0006] Therefore, the purpose of this invention is to propose a credit reporting service classification method based on the integration of a credit reporting service transaction platform. This method can integrate cross-organizational digital credit reporting services into a unified platform. Specifically, it supports the integration of digital credit reporting services such as data interface services, model services, file services, and system platform services. It solves problems such as the difficulty in integrating digital credit reporting services, the large amount of work required for cross-organizational credit reporting service integration and transformation, cross-platform barriers in user systems, the complexity of authentication and billing during the use of credit reporting services, the relative independence and fragmentation between credit reporting services, and the difficulty in iteratively improving credit reporting data models and applications. Through a service integration mechanism, it achieves business decoupling of credit reporting data, credit reporting models, and credit reporting applications, giving data, models, and applications the ability to recombine and repeatedly combine them. Based on the principle of improving model performance with multi-source massive data and enriching application service dimensions with multiple models, it empowers the business development of various scenarios in the credit reporting industry. This invention will also support the demonstration of industry application scenarios based on big data credit reporting technology in the digital credit reporting service trading platform, encouraging users to use digital credit reporting services to expand their business functions; and support the formation of a dashboard in the digital credit reporting service trading platform to support decision-making in the credit reporting field, integrating and displaying the platform's basic indicator data and the dynamic business indicators of external credit reporting service providers, coordinating the current status and trends of the big data credit reporting industry, and realizing the classification and application of credit reporting services.

[0007] Another objective of this invention is to propose a credit reporting service classification system based on the integration of a credit reporting service transaction platform.

[0008] To achieve the above objectives, this invention proposes a credit reporting service classification method based on the integration of a credit reporting service transaction platform, comprising:

[0009] The process involves: acquiring user demand information, including user requests to purchase credit reporting services; inputting the user demand information into an integrated digital credit reporting service transaction platform for information transaction processing of the user's credit reporting service purchase request; wherein the integrated digital credit reporting service transaction platform is established by integrating authentication and billing mechanisms based on service transactions, and decoupling the credit reporting services participating in the transaction, the solution system display supporting a unified user experience, and the credit reporting dashboard supporting decision-making into the digital credit reporting service transaction platform; through the information transaction processing, the integrated digital credit reporting service transaction platform is used to classify credit reporting services and recommend corresponding credit reporting services to users.

[0010] In addition, the data classification method based on large-scale networks according to the above embodiments of the present invention may also have the following additional technical features: Furthermore, in one embodiment of the present invention, the integration of credit reporting services participating in the transaction is an integration of multiple types of services based on the service characteristics of the credit reporting industry; wherein, the multiple types of services include: data interface services, model services, file services, and system platform services.

[0011] Furthermore, in one embodiment of the present invention, the authentication and billing integration mechanism based on supporting service transactions includes: using the various types of services according to the user token, determining the validity of the service by inputting or attaching the user token, and completing authentication and billing; wherein, the user token is a unique string used to identify the user.

[0012] Furthermore, in one embodiment of the present invention, the external service provider enters the ticket and a unique string identifying itself as the service provider by calling an API interface; wherein, the API interface is used to verify the validity of the ticket; the solution system display integration that supports a unified user experience is accessed, the verification interface of the ticket is called to complete the ticket verification and obtain the username and user ID, so as to automatically register an account or log in.

[0013] Furthermore, in one embodiment of the present invention, the integration of the solution system display supporting a unified user experience includes: obtaining the service provider number and service provider password corresponding to the display system by contacting the administrator of the digital credit reporting service transaction platform through the external service provider; wherein, the service provider number is the number that identifies the display system, and the service provider password is the password for calling the invoice verification interface; appending a preset formatted string to the end of the display system's redirect link, so that the display system obtains invoice parameters; based on the invoice parameters, calling the invoice verification interface to verify the invoice and obtain user information; creating an industry template based on the user information according to the characteristics of the display system and the industry, and launching the industry template through the administrator of the digital credit reporting service transaction platform.

[0014] Furthermore, in one embodiment of the present invention, the method further includes: determining big data credit reporting dashboard data based on the index summary of the digital credit reporting service transaction platform; and constructing a big data credit reporting sub-dashboard pie chart based on the big data credit reporting dashboard data.

[0015] Furthermore, in one embodiment of the present invention, the credit reporting dashboard integration supporting decision-making includes: acquiring enterprise data based on the enterprise's own situation; wherein, the enterprise data includes data of national and provincial maps; determining the proportion type data of the pie chart in the big data credit reporting sub-dashboard; organizing the enterprise data and the proportion type data into document data; acquiring the preset change level indicator data in the dashboard large screen display based on the document data, and developing an API interface to return the preset change level indicator data in JSON format.

[0016] Furthermore, in one embodiment of the present invention, the summary of indicators of the digital credit reporting service transaction platform includes: the number of individuals, enterprises, industry themes, government departments, data sources and data dimensions covered; the big data credit reporting dashboard data includes: an overview of platform indicators, industry coverage, city comprehensive credit index and platform pilot coverage map.

[0017] Furthermore, in one embodiment of the present invention, the proportion data of the big data credit scoring sub-cockpit pie chart includes: the types and proportions of enterprises covered, the levels and proportions of credit ratings formed, the number and proportions of applications covering individuals or enterprises, and the market share of the business in different regions.

[0018] The credit reporting service classification method based on the credit reporting service transaction platform integrated in this invention can integrate multiple heterogeneous digital credit reporting services from various sources, comprehensively plan the underlying big data capabilities and massive credit data services to be applied to various upper-level credit reporting scenarios, integrate digital credit reporting services with different carriers, environments, processes, and sources on the platform for users to use without distinction, provide external credit reporting service providers with the ability to open up services, enabling them to easily access the platform with minimal system modifications, coordinate the compatibility and integrity of external credit reporting services and the digital credit reporting service transaction platform, and realize the classification and application of credit reporting services.

[0019] To achieve the above objectives, another aspect of the present invention proposes a credit reporting service classification system based on a credit reporting service transaction platform integration, comprising: The information acquisition module is used to acquire user demand information, including user requests to purchase credit reporting services. The information processing module is used to input the user demand information into the integrated digital credit reporting service transaction platform to process the user's credit reporting service purchase request. The integrated digital credit reporting service transaction platform is decoupled from the credit reporting services participating in the transaction, the solution system display supporting a unified user experience, and the credit reporting dashboard supporting decision-making, all based on an authentication and billing integration mechanism that supports service transactions. The credit reporting classification module is used to classify credit reporting services and recommend corresponding credit reporting services to users through the information transaction processing and the integrated digital credit reporting service transaction platform.

[0020] The credit reporting service classification system based on the credit reporting service transaction platform of this invention can integrate multiple heterogeneous digital credit reporting services from various sources, coordinate the underlying big data capabilities and massive credit data services for application in various upper-level credit reporting scenarios, integrate digital credit reporting services with different carriers, environments, processes, and sources on the platform for users to use without distinction, provide external credit reporting service providers with the ability to open up services, enabling them to easily access the platform with minimal system modifications, coordinate the compatibility and integrity of external credit reporting services and the digital credit reporting service transaction platform, and realize the classification and application of credit reporting services.

[0021] Additional aspects and advantages of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. Attached Figure Description

[0022] The above and / or additional aspects and advantages of the present invention will become apparent and readily understood from the following description of the embodiments taken in conjunction with the accompanying drawings, wherein: Figure 1 A flowchart illustrating a credit reporting service classification method based on a credit reporting service transaction platform integration according to an embodiment of the present invention; Figure 2 A schematic diagram illustrating how data models and applications in the digital credit reporting service integration mode according to embodiments of the present invention can be recombinated and repeatedly combined; Figure 3 This is a flowchart illustrating the solution system demonstration mechanism supporting a unified user experience according to an embodiment of the present invention; Figure 4 This is a schematic diagram summarizing the big data credit reporting dashboard indicators according to an embodiment of the present invention; Figure 5 This is a schematic diagram of a big data credit reporting dashboard for distributed, cross-organizational heterogeneous systems according to an embodiment of the present invention; Figure 6 This is a schematic diagram illustrating an example of a big data credit reporting sub-cockpit for a demonstration system according to an embodiment of the present invention; Figure 7 This is a schematic diagram of a credit reporting service classification system based on a credit reporting service transaction platform integrated according to an embodiment of the present invention. Detailed Implementation

[0023] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. The present invention will now be described in detail with reference to the accompanying drawings and embodiments.

[0024] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0025] The following description, with reference to the accompanying drawings, describes a credit reporting service classification method and system based on the integration of a credit reporting service transaction platform, according to embodiments of the present invention.

[0026] Figure 1 This is a flowchart of a credit reporting service classification method based on the integration of a credit reporting service transaction platform, according to an embodiment of the present invention.

[0027] like Figure 1 As shown, the method includes, but is not limited to, the following steps: S1, Obtain user demand information; whereby, user demand information includes user requests to purchase credit reporting services.

[0028] S2, inputting user demand information into the integrated digital credit reporting service transaction platform to process user requests for purchasing credit reporting services; wherein, the integrated digital credit reporting service transaction platform is decoupled into the digital credit reporting service transaction platform by an authentication and billing integration mechanism based on supporting service transactions, integrating the credit reporting services participating in the transaction, the solution system display supporting a unified user experience, and the credit reporting dashboard supporting decision-making.

[0029] Understandably, in exploring the construction of a digital credit reporting service trading platform, this invention designs a service integration model for such a platform. Under this model, external credit reporting service providers can list and sell their services, and users of the digital credit reporting service trading platform can purchase and use these services. Users can view a credit reporting solution demonstration system on the platform to understand what kind of big data credit reporting industry application systems can be built using the basic credit reporting services provided on the platform. Users can also view the overall platform and the dashboard of specific scenarios, using the indicators on the visualized dashboard to support the formulation of business decisions in the credit reporting industry.

[0030] In the service integration technology for digital credit reporting service trading platforms, the integration of credit reporting services is divided into three integration modes: "credit reporting service integration for transaction participation," "credit reporting service solution integration for demonstration," and "credit reporting dashboard integration for decision support." In the service integration modes designed in this invention, "credit reporting service integration for transaction participation" reflects the transaction attribute of the digital credit reporting service trading platform, which is also the platform's core attribute; "credit reporting service solution integration for demonstration" reflects the demonstration attribute of the digital credit reporting service trading platform, showcasing industry demonstration application systems in the field of big data credit reporting; and "credit reporting dashboard integration for decision support" reflects the overall coordination attribute of the digital credit reporting service trading platform, strengthening the connection between external services and the platform, giving platform users a higher-dimensional perspective, and supporting decision-making for the development of big data services in the credit reporting industry.

[0031] For the transaction attribute, a core platform attribute, a comprehensive and efficient cross-organizational service integration model needs to be designed. For credit reporting services involved in transactions, based on the characteristics of the credit reporting industry, they are divided into four types: data interface services, model services, file services, and system platform services.

[0032] Data interface services. These services receive requests and return data via API interfaces. The data is typically credit data that complies with information security and compliance regulations. By purchasing data interface services, users can address the pain point of missing business data in internet finance scenarios such as credit granting, risk control, and credit rating, or in social scenarios such as corporate supervision and credit scoring. This increases the source and quantity of credit data to optimize credit models or improve business efficiency. For external credit data providers, they can upload their own credit data to the platform and, after data security processing, profit from these data assets.

[0033] Model-based services. These services provide credit reporting industry models trained using big data technology. By purchasing these services, users can utilize pre-built initial models or fully trained models, inputting their own business data to perform functions such as prediction, scoring, rating, risk monitoring, and early warning in the credit reporting industry. This saves newly established small and medium-sized enterprises in the credit reporting sector significant costs associated with model building and training, and also provides valuable model references for established companies in the industry. External credit reporting model providers can profit by listing their models or participate in model improvement efforts using their own business data, based on the principles of federated learning, to obtain incentives for federated learning.

[0034] Document-based services. These services provide functions such as downloading or creating documents for the credit reporting industry. Services such as generating and downloading credit scoring reports based on user needs, and querying personal or corporate credit risk reports fall under the category of document-based services. Subscribing to monthly publications on the latest research, industry standards, and policy releases in the credit reporting field also falls under this category. Downloading packaged credit data files also falls under this category.

[0035] System platform services. These services provide access to system platforms with credit scoring capabilities based on big data technology, also known as credit scoring industry solutions. Users purchase the right to use an external system platform, and the digital credit scoring service trading platform will ensure the normal operation of the external system platform after the service transaction is completed through security mechanisms such as authentication.

[0036] In the process of service integration in the field of big data credit reporting, it has been found that credit reporting services with characteristics such as multimodality and different granularities face industry pain points such as difficulty in integration and difficulty in iterative updates and upgrades. For example Figure 2 As shown, in the traditional credit reporting service business model, due to the special and sensitive nature of the credit reporting industry, credit reporting data, credit reporting models, and credit reporting applications are usually tightly coupled. This manifests in the fact that when integrating external credit reporting services, external credit reporting service providers often refuse or find it difficult to break down their own credit reporting services into applications, models, or data that can be used independently. This poses a serious obstacle to using independent credit reporting models and data to iteratively enhance the accuracy of credit reporting models and improve the business capabilities of credit reporting applications.

[0037] Furthermore, through the digital credit reporting service integration model proposed in this invention, based on the "authentication and billing integration mechanism supporting service transactions," external service providers can easily integrate various decoupled types of credit reporting services into the digital credit reporting service trading platform. This addresses the pain point of traditional credit reporting applications where credit data and models are difficult to iterate and improve, giving data and models the ability to recombine and repeatedly combine them. Users can select and purchase data services and model services on the digital credit reporting service trading platform, and cross-combine them to train new models and generate new data. By leveraging the principle of improving model performance through multi-source massive data, repeated iterations are expected to produce higher-quality credit reporting models and data, empowering business development in various scenarios of the credit reporting industry. In addition, in the traditional credit reporting model, for a certain credit reporting application business, the business party often only possesses and uses its own credit reporting model to implement application functions. By decoupling the application and model through credit reporting service integration technology, the business party can select external credit reporting models from multiple sources to conduct credit assessments or analyses of the same credit reporting business application from different dimensions, improving the accuracy of application functions for specific scenarios. By recombining and repeatedly combining applications and models, it is hoped that more personalized applications that meet customer needs can be produced. By enriching the application service dimensions through multiple models, the development of digital credit reporting application services can be empowered.

[0038] For the display attributes of the digital credit reporting service trading platform, a page redirection mode that enables automatic registration and passwordless login for external systems needs to be designed to maintain the integrity of the digital credit reporting service trading platform. Utilizing the "solution system display mechanism that supports a unified user experience," the platform addresses the cross-platform challenges of user systems when displaying big data credit reporting solutions to users. It demonstrates to users what kind of segmented big data credit reporting systems can be built using the credit reporting services within the platform, showcasing application examples in different credit reporting-related industries.

[0039] Given the coordinating nature of digital credit reporting service trading platforms, and considering the characteristics of external service providers' business systems—such as independent scenarios, diverse domains, physical isolation, distributed deployment, and cross-organizational services—a big data credit reporting dashboard model needs to be designed to integrate credit reporting business indicators from these external service providers. Utilizing a "big data credit reporting dashboard oriented towards distributed, cross-organizational heterogeneous systems" can address the challenges of relatively independent and fragmented credit reporting services and the difficulty in statistically analyzing the business status of external service providers. This allows for a unified dashboard display on the platform showcasing the credit reporting business indicators of various external service providers, providing a comprehensive overview of the current status and trends of credit reporting business development, supporting decision-making in the credit reporting big data industry, and enabling a closer integration between various credit reporting services and the digital credit reporting service trading platform.

[0040] Understandably, in the process of building a digital credit reporting service trading platform based on a service transaction model oriented towards digital credit reporting service trading platforms, in order to solve industry problems such as the difficulty of integrating digital credit reporting services, the large amount of work required for cross-organizational credit reporting service integration and transformation, cross-platform barriers in user systems, the complexity of authentication and billing during the use of credit reporting services, the relative independence and fragmentation between credit reporting services, and the difficulty in iteratively improving credit reporting data models and applications, this invention explores three service integration mechanisms to support the construction of a digital credit reporting service trading platform, and verifies their feasibility and efficiency through practical application.

[0041] Understandably, the construction of a digital credit reporting service trading platform often presents challenges when integrating diverse cross-organizational credit reporting services. For data interface services, it's necessary to prevent users from bypassing the platform to request APIs they haven't purchased or have access to. For model-based services, user identity and access permissions must be verified. For file-based services, user permissions must be authenticated before downloading files. For system platform-based credit services, which are typically developed by external entities with different user systems, login and registration methods, and password mechanisms and encryption methods, cross-platform user system barriers exist. Integrating cross-organizational credit reporting services on a digital credit reporting service trading platform, effectively authenticating and billing services, and minimizing the modification work required by external service providers to existing credit reporting services presents a significant challenge. Furthermore, it should support service providers registering individual credit data and untrained or trained models on the platform to enable the recombination and iterative integration of credit data, models, and applications, thereby empowering the improvement and innovation of credit reporting application services.

[0042] As one embodiment, this invention designs an integrated authentication and billing mechanism to support service transactions. This mechanism is based on user tokens for service authentication and billing. When users use credit services such as data interface services, model services, file services, and system platform services, they input or attach a user token to determine the validity of the service and complete authentication and billing. Users can view and copy user tokens in the digital credit service transaction platform. The user token is a unique string used to identify the user and can be used to assist in identifying the user's identity and realize authentication and billing functions in service transactions. User tokens can be generated using distributed ID generation algorithms, such as the Snowflake algorithm, to ensure token uniqueness in high-concurrency environments. There are many distributed ID generation algorithms; Twitter's open-source Snowflake algorithm is a classic example, whose core idea is to generate and use a 64-bit number as a globally unique ID.

[0043] In the service integration technology for digital credit reporting service transaction platforms, the platform will provide an API interface for verifying user tokens. External service providers can call this interface, passing in the user token and a unique service identifier (service ID), to obtain the user token's access rights information for the service, i.e., whether the current user is allowed to use the service for this purpose.

[0044] User tokens serve different purposes depending on the service category.

[0045] Data interface service. Billing is per use. When external service providers register for the data interface service, the service address should be the original data interface providing the interface capabilities. The platform will encapsulate the data interface address; the address seen by users after purchasing the service is the uniformly formatted encapsulated interface address. The platform requires users to include "Authorization=User Token" in the request header when calling the interface to verify the user's calling permissions and for billing purposes. The platform deducts the number of calls used and updates the remaining balance information, thus completing service authentication and billing.

[0046] Model-based services. Billing is based on time. Before a user can use the model, the external service provider requires the user to first enter a user token and then authenticate the user token by calling a user token verification interface. Only after obtaining authorization can the user proceed with the model usage process.

[0047] File interface service. Billing is based on time. The subscription model allows users to include a user token as a parameter in the download link. The system receives the user token from the URL and uses it as the "token" parameter in the user token verification interface. This interface verifies download permissions before providing the file download service to the user.

[0048] System platform services. Billing is based on duration. External service providers enter links to their own system platform services on the digital credit reporting service trading platform and make simple modifications to their existing systems before listing the services: users are required to fill in a user token during registration or login, and the user token verification interface is called to complete authentication before allowing users to complete registration or login. This mechanism can greatly reduce the need for modifying existing systems.

[0049] The digital credit reporting service transaction platform is a separate service provider system for external service providers, providing functions such as service registration, service publishing, service management, and order management. Service providers can view the unique identifier (service UUID) of registered services in the service management section; this field is the "service" parameter passed to the user token verification interface.

[0050] The user token verification interface uses the POST method, and the request and response formats of the interface are as follows.

[0051] Request format: { "token": "XXX", "service":"XXX" } Response returned when access is granted: { "code": "200", "mesg": "Processing successful", "data": "pass" } Response when access is denied: { "code": "200", "mesg": "Processing successful", "data": "deny } Response when user token error occurs: { "code": "400", "mesg": "Incorrect request parameters", "data": "User token error" } Response when service identifier is incorrect: { "code": "400", "mesg": "Incorrect request parameters", "data": "Service identifier error" } It is understandable that digital credit reporting service trading platforms have a need to showcase external credit reporting solution systems from multiple sources and across organizations. During the process of redirecting to and displaying these external systems, users should not have to perform cumbersome login or registration operations for the user systems of these external systems. To support a unified user experience and achieve integrated redirection to these heterogeneous external systems with the highest possible system efficiency and the lowest possible cost of modifying external systems, this invention proposes a solution system display mechanism that supports a unified user experience. This mechanism is based on invoice strategies and API interfaces, enabling password-free redirection to the big data credit reporting industry application display system. It maintains system consistency in user experience between the digital credit reporting service trading platform and the display system, presenting the big data credit reporting industry solution display system to users through a mechanism of "industry application details page + display system redirection."

[0052] A ticket is a string generated when a user navigates to an external solution demonstration system. It contains information such as the user's identity, the external system, and the expiration date. The string is encrypted using a reversible symmetric encryption method, such as the AES encryption algorithm. Based on a solution system demonstration mechanism that supports a unified user experience, users do not need to perform additional login or registration operations when navigating to the application scenario demonstration system of an external service provider. The user system of the demonstration system and the digital credit reporting service transaction platform remains independent and imperceptible to the user. When the digital credit reporting service transaction platform navigates to the demonstration system, it generates a ticket based on user information, redirection system information, and redirection time, which is attached to the URL and sent to the demonstration system. The demonstration system calls the ticket verification interface provided by the platform to complete user identity verification and obtain basic user information, such as username and user ID. The first redirect initiates an automatic account registration and login process based on the user information. Subsequent redirects query the account and complete the automatic login process. The demonstration system manages registration, login, permissions, and expiration status independently. The solution system display mechanism, which supports a unified user experience, removes the barriers to passwordless login for display systems, optimizes the user experience when viewing credit reporting industry application scenarios, and avoids the constraints caused by differences in login methods, user systems, encryption methods, and complex access control rules when there are many display systems. The display system can autonomously map user representations based on its own characteristics, completing the mapping from the user system of the digital credit reporting service transaction platform to the user system of the display system.

[0053] In the service integration technology for digital credit reporting service transaction platforms, the platform will provide an API interface for verifying the validity of invoices. External service providers can call this interface, passing in the invoice and a unique string identifying themselves (partnerCode), to obtain the access permission result for the invoice to access their system, as well as the user's identity information when access is permitted, thus enabling passwordless login.

[0054] When external service providers integrate with the solution system demonstration mechanism that supports a unified user experience, they need to call the invoice verification interface to complete the invoice verification and obtain the user's username and user ID on the platform, and complete the automatic account registration or login to achieve a smooth redirection process in the demonstration system.

[0055] As an example, the process of an external service provider integrating its own presentation system into a solution system presentation mechanism that supports a unified user experience is as follows: Figure 3 As shown, the specific process is as follows: External service providers contact the administrator of the digital credit reporting service transaction platform to obtain the service provider ID (partnerId) and service provider password (partnerCode) corresponding to the display system. These two are in a one-to-one correspondence; the service provider ID identifies the display system, and the service provider password is used to call the invoice verification interface and verify the caller's identity.

[0056] By appending an additional string in the format "?ticket=XXX" to the link in the display system, the display system can obtain the ticket parameter after being redirected.

[0057] The system calls the invoice verification interface to validate the invoice and retrieve user information. It extracts the user ID (userId) and username (userName) to complete the user system mapping, mapping the user information from the digital credit reporting service transaction platform to the user account in the demonstration system and enabling automatic login. If this is the first time redirecting to the demonstration system, automatic registration is performed based on the demonstration system's settings. During automatic registration, the returned username (userName) is used first. If the username is already taken, four random characters (uppercase or lowercase letters or numbers) are added to the end to avoid conflicts.

[0058] Request an "Industry Application Details Page" template from the administrator of the digital credit reporting service trading platform. Create the "Industry Application Details Page" based on the characteristics of the demonstration system and the industry, and submit it to the administrator for deployment. Once completed, users can access the "Industry Application Details Page" to view the system's introduction and click a button to jump to the demonstration system to observe the application of big data credit reporting service technology and experience the system's functions.

[0059] The user token verification interface uses the POST method, and the request and response formats of the interface are as follows.

[0060] Request format: { "ticket":"XXX", "partnerCode":"XXX" } Return response: { "code": "200", "mesg": "Processing successful", "data": { "userName": "XXX", "userId": "XXX" } } Furthermore, due to the industry-specific nature and tight coupling of data and models in credit reporting services integrated into digital credit reporting service trading platforms, third-party services and platforms appear somewhat disconnected, lacking overall cohesion. Credit reporting service business systems are often distributed and cross-organizational, with varying system architectures and technology stacks, making it difficult to effectively integrate service provider business system information into the overall platform. This hinders a comprehensive perspective on the development trends of the big data credit reporting industry and its service applications.

[0061] To address the above issues, this invention proposes an integrated mechanism for a big data credit reporting dashboard for distributed, cross-organizational heterogeneous systems. Based on the display of various cross-organizational credit reporting service indicators, users can quickly and visually review the overall platform construction status, the business indicators of external service providers, and the exploration and coverage of the credit reporting field. This allows for a comprehensive understanding of the development trends in the credit reporting field and supports business decision-making in the big data credit reporting sector.

[0062] As an example, the homepage of a digital credit reporting service trading platform displays a summary of indicators, such as... Figure 4 As shown, this includes the number of individuals, enterprises, governments, and industries covered by big data credit scoring technology, as well as the number of data sources and data dimensions involved. Click "More" to enter the cockpit screen homepage.

[0063] As an example, the homepage of the big data credit scoring dashboard is as follows: Figure 5 As shown, the platform displays an overview of its metrics, industry coverage, city comprehensive credit index, and sub-cockpit entrances for specific industries listed below the map.

[0064] As an example, the big data credit scoring sub-cockpit paradigm is as follows: Figure 6 As shown, the map includes four boxes to the left and right of the central map, and three pie charts below the central map. The top left box always displays the number of individuals, businesses, governments, and industries covered by the service provider's business, the number of data sources, and the number of data dimensions involved. The other three boxes can display dynamic risk indices, key monitored changes, provincial rankings, data dimension category distribution, application scenarios, etc., presented in various formats such as text, bar charts, lists, and index pie charts. The three pie charts display the categories and proportions of the service provider's business from different perspectives, such as the types and proportions of covered enterprises, the levels and proportions of credit ratings formed, the number and proportion of applications covering individuals or businesses, and the market share in different regions, showing the proportional relationships in pie chart format.

[0065] Specifically, the process by which external service providers connect their business metrics to a big data credit reporting dashboard that is designed for distributed, cross-organizational heterogeneous systems is as follows.

[0066] (1) Based on the company’s own situation, sort out the provincial coverage of the business, and determine the credit data indicators of the national provincial map and the corresponding data for each province.

[0067] (2) Determine which proportions and data types to include in the three pie charts. In the top left box, determine the number of individuals, businesses, governments, and industries covered, the number of data sources, and the number of data dimensions involved. Determine the content to fill in the other three boxes with indicator data, ensuring a combination of charts and text for a vivid and engaging presentation.

[0068] (3) Organize the above data into a document and hand it over to the administrator to create a sub-cockpit page and connect it to the system.

[0069] (4) Organize the easily changeable indicator data displayed on the cockpit screen, develop an API interface, and return the easily changeable indicator data in JSON format. The data content returned by the interface needs to be updated in real time. The platform periodically requests the interface through a scheduled task via API requests to update the changing indicator data in the sub-cockpit displayed on the platform and maintain the timeliness of the cockpit indicators.

[0070] S3, through information transaction processing, utilizes the integrated digital credit reporting service transaction platform to classify credit reporting services and recommend the corresponding credit reporting services to users.

[0071] The credit reporting service classification method based on the credit reporting service transaction platform integration according to embodiments of the present invention can integrate multiple heterogeneous digital credit reporting services from various sources, coordinate the underlying big data capabilities and massive credit data services for application in various upper-level credit reporting scenarios, integrate digital credit reporting services with different carriers, environments, processes, and sources on the platform for users to use without distinction, provide external credit reporting service providers with the ability to open services, enabling them to easily access the platform with minimal system modifications, coordinate the compatibility and integrity of external credit reporting services and the digital credit reporting service transaction platform, and realize the classification and application of credit reporting services.

[0072] To achieve the above embodiments, such as Figure 7 As shown, this embodiment also provides a credit service classification system 10 based on the credit service transaction platform integration. The system 10 includes: an information acquisition module 100, an information processing module 200, and a credit classification module 300.

[0073] The information acquisition module 100 is used to acquire user demand information, including user requests to purchase credit reporting services. The information processing module 200 is used to input user demand information into the integrated digital credit reporting service transaction platform to process the information transaction of user requests to purchase credit reporting services. The integrated digital credit reporting service transaction platform is decoupled into the digital credit reporting service transaction platform by integrating the credit reporting services participating in the transaction, the solution system display that supports a unified user experience, and the credit reporting dashboard that supports decision-making, based on the authentication and billing integration mechanism that supports service transactions. The credit classification module 300 is used to classify credit services and recommend corresponding credit services to users through information transaction processing and the integrated digital credit service transaction platform.

[0074] According to embodiments of the present invention, the credit reporting service classification system based on the credit reporting service transaction platform integration can integrate multiple heterogeneous digital credit reporting services from various sources, coordinate the planning of big data underlying capabilities and massive credit data services for application in various upper-level credit reporting scenarios, integrate digital credit reporting services with different carriers, environments, processes, and sources on the platform for users to use without distinction, provide external credit reporting service providers with the ability to open services, enabling them to easily access the platform with minimal system modifications, coordinate the compatibility and integrity of external credit reporting services and the digital credit reporting service transaction platform, and realize the classification and application of credit reporting services.

[0075] It should be noted that the foregoing explanation of the embodiment of the credit service classification method based on the credit service transaction platform integration also applies to the credit service classification system based on the credit service transaction platform integration of this embodiment, and will not be repeated here.

[0076] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of that feature. In the description of this invention, "a plurality of" means at least two, such as two, three, etc., unless otherwise explicitly specified.

[0077] In the description of this specification, the references to terms such as "one embodiment," "some embodiments," "example," "specific example," or "some examples," etc., refer to specific features, structures, materials, or characteristics described in connection with that embodiment or example, which are included in at least one embodiment or example of the present invention. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples. Moreover, without contradiction, those skilled in the art can combine and integrate the different embodiments or examples described in this specification, as well as the features of different embodiments or examples.

[0078] Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention. Those skilled in the art can make changes, modifications, substitutions and variations to the above embodiments within the scope of the present invention.

Claims

1. A method for classifying credit reporting services based on a credit reporting service transaction platform integration, characterized in that, Includes the following steps: Obtain user demand information; wherein, the user demand information includes user requests to purchase credit reporting services; The user demand information is input into the integrated digital credit reporting service transaction platform to process the user's request to purchase credit reporting services. The integrated digital credit reporting service transaction platform is established through an authentication and billing integration mechanism that supports service transactions. This mechanism decouples the credit reporting services involved in the transaction, the solution system display supporting a unified user experience, and the credit reporting dashboard supporting decision-making from the transaction. The authentication and billing integration mechanism for supporting service transactions includes: determining the validity of the service based on a user token, completing authentication and billing; the user token is a unique string identifying the user. The credit reporting services involved in the transaction include: the integration of data interface services, model services, file services, and system platform services. The solution system display supporting a unified user experience includes: enabling password-free redirection to external systems based on invoice verification. The credit reporting dashboard supporting decision-making includes: constructing a big data credit reporting dashboard based on indicator aggregation. Through the aforementioned information transaction processing, the integrated digital credit reporting service transaction platform is used to classify credit reporting services and recommend corresponding credit reporting services to users.

2. The method according to claim 1, characterized in that, The external service provider will call an API interface, passing in the ticket and a unique string identifying itself as the service provider; the API interface is used to verify the validity of the ticket. The system integrates with the solution that supports a unified user experience, calls the ticket verification interface, completes ticket verification, and obtains the username and user ID for automatic account registration or login.

3. The method according to claim 2, characterized in that, The integration of the solution system that supports a unified user experience includes: By contacting the administrator of the digital credit reporting service transaction platform through the external service provider, the service provider number and service provider password corresponding to the display system can be obtained; wherein, the service provider number is the number that identifies the display system, and the service provider password is the password for calling the invoice verification interface; A pre-formatted appended string is appended to the link in the display system, enabling the display system to obtain ticket parameters; Based on the ticket parameters, the ticket verification interface is called to verify the ticket and obtain user information; Based on the user information, an industry template is created according to the characteristics of the displayed system and the industry, and the industry template is launched through the administrator of the digital credit reporting service transaction platform.

4. The method according to claim 1, characterized in that, The method further includes: Based on the aggregated indicators of the aforementioned digital credit reporting service transaction platform, the big data credit reporting dashboard data is determined; Based on the big data credit reporting dashboard data, a pie chart of the big data credit reporting sub-dashboard is constructed.

5. The method according to claim 4, characterized in that, The credit cockpit integration supporting decision-making includes: Based on the company's own situation, obtain enterprise data; wherein, the enterprise data includes credit data indicators of national and provincial maps and data corresponding to each province; Determine the proportion and type of data in the pie chart of the big data credit reporting sub-cockpit; Organize the enterprise data and the ratio type data into document data; Based on the document data, obtain the preset change level index data in the cockpit screen display, and develop an API interface to return the preset change level index data in JSON format.

6. The method according to claim 4, characterized in that, The metrics of the digital credit reporting service transaction platform include: the number of individuals, enterprises, industry themes, government departments, data sources, and data dimensions covered; The big data credit reporting dashboard data includes: an overview of platform indicators, industry coverage, city comprehensive credit index, and a platform pilot coverage map.

7. The method according to claim 5, characterized in that, The proportion type data of the pie chart in the big data credit scoring sub-cockpit includes: The types and proportions of enterprises covered, the levels and proportions of credit ratings formed, the number of individuals or enterprises covered and the proportion of applications, and the market share of business in different regions.

8. A credit reporting service classification system integrated based on a credit reporting service transaction platform, characterized in that, include: The information acquisition module is used to acquire user demand information; wherein, the user demand information includes user requests to purchase credit reporting services; The information processing module is used to input the user demand information into the integrated digital credit reporting service transaction platform to process the user's request to purchase credit reporting services. The integrated digital credit reporting service transaction platform is established by decoupling the credit reporting services involved in the transaction, the solution system display supporting a unified user experience, and the credit reporting dashboard supporting decision-making into the platform, based on an authentication and billing integration mechanism that supports service transactions. The authentication and billing integration mechanism includes: determining the validity of the service based on a user token, completing authentication and billing; the user token is a unique string identifying the user. The credit reporting services involved in the transaction include: integration of data interface services, model services, file services, and system platform services. The solution system display supporting a unified user experience includes: enabling password-free redirection to external systems based on invoice verification. The credit reporting dashboard supporting decision-making includes: constructing a big data credit reporting dashboard based on indicator aggregation. The credit classification module is used to classify credit services and recommend corresponding credit services to users through the information transaction processing and the integrated digital credit service transaction platform.

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