Data updating method and device, computer device and storage medium

Abstract

The application relates to a data updating method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: in response to a data updating trigger event, sending an address acquisition request to a server, and receiving a storage address fed back by the server; the storage address is used for storing target data required for data updating; determining a data provider of the target data, and sending a data storage request carrying the storage address to the data provider; in the case that the data provider stores the target data into the storage address in response to the data storage request, obtaining a data reading password generated by the data provider for the target data; and sending the data reading password to the server, the data reading password being used for reading the target data stored in the storage address, and the target data being used for realizing data updating. Through the above method, it can be ensured that the process of the server obtaining the target data to realize data updating is safe and reliable.

Description

Technical Field

[0001] This application relates to the field of computer technology, and in particular to a data updating method, apparatus, computer equipment, storage medium, and computer program product. Background Technology

[0002] With the development of computer technology, the requirements for real-time data processing are becoming increasingly stringent, necessitating data updates. Computers often rely on specific target data when updating data, and updates can be achieved through the evaluation of this target data.

[0003] However, the computer faces challenges in security and reliability when acquiring and updating data for this specific target. Summary of the Invention

[0004] Therefore, it is necessary to provide a data update method, apparatus, computer equipment, computer-readable storage medium, and computer program product that can improve the security and reliability of the data update process, addressing the technical issue of how to improve the security and reliability of the data update process.

[0005] Firstly, this application provides a data updating method, the method comprising:

[0006] In response to a data update trigger event, an address retrieval request is sent to the server, and a storage address is received from the server; the storage address is used to store the target data required for the data update.

[0007] Identify the data provider of the target data and send a data storage request carrying the storage address to the data provider;

[0008] When the data provider responds to the data storage request and stores the target data at the storage address, the data reading password generated by the data provider for the target data is obtained.

[0009] The data reading password is sent to the server. The data reading password is used to read the target data stored in the storage address. The target data is used to implement data updates. Secondly, embodiments of this application provide a data update method, the method comprising:

[0010] Receive an address retrieval request sent by an electronic device based on a data update trigger event, and determine a storage address that matches the address retrieval request;

[0011] The storage address is fed back to the electronic device, and the storage address is used to store the target data required for data updates;

[0012] The electronic device receives a data reading password obtained from the data provider of the target data, the data reading password being generated by the data provider for the target data, the target data being stored by the data provider in the storage address sent by the electronic device;

[0013] Based on the data reading password, the target data is read from the storage address;

[0014] The data is updated based on the target data to obtain the updated data result.

[0015] Thirdly, this application also provides a data updating device. The device includes:

[0016] The storage address acquisition module is used to send an address acquisition request to the server in response to a data update trigger event and receive the storage address returned by the server; the storage address is used to store the target data required for the data update.

[0017] The data request module is used to determine the data provider of the target data and send a data storage request carrying the storage address to the data provider;

[0018] The password acquisition module is used to acquire the data reading password generated by the data provider for the target data when the data provider responds to the data storage request and stores the target data in the storage address.

[0019] The password sending module is used to send the data reading password to the server. The data reading password is used to read the target data stored in the storage address. The target data is used to implement data updates.

[0020] Fourthly, this application also provides a data updating apparatus, the apparatus comprising:

[0021] The storage address determination module is used to receive an address acquisition request sent by an electronic device based on a data update trigger event, and determine the storage address that matches the address acquisition request;

[0022] A storage address sending module is used to send the storage address back to the electronic device, wherein the storage address is used to store the target data required for data updates;

[0023] A password receiving module is used to receive a data reading password obtained by the electronic device from the data provider of the target data. The data reading password is generated by the data provider for the target data, and the target data is stored by the data provider in the storage address sent by the electronic device.

[0024] The data reading module is used to read the target data from the storage address based on the data reading password;

[0025] The data update module is used to update the data based on the target data and obtain the data update result.

[0026] Fifthly, this application also provides a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the methods described in the above embodiments.

[0027] Sixthly, this application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, implements the methods described in the above embodiments.

[0028] Seventhly, this application also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, implements the methods described in the above embodiments.

[0029] As can be seen, in this embodiment, the target data required for data updating is not forwarded via electronic devices, ensuring that the target data cannot be tampered with or forged through electronic devices. Furthermore, the data reading password used to read the target data is obtained by the electronic device from the data provider and sent to the server, enabling the server to read the target data stored at the storage address based on the data reading password. This ensures that the server can only read the target data from the storage address after obtaining the data reading password from the electronic device, guaranteeing that the target data can only be obtained with full authorization from the electronic device. By fully considering the security and reliability of the target data from the perspective of target data acquisition, the process of the server acquiring the target data to achieve data updating is ensured to be secure and reliable. Attached Figure Description

[0030] Figure 1 This is a diagram illustrating the application environment of a data update method in one embodiment.

[0031] Figure 2 This is a flowchart illustrating a data update method in one embodiment;

[0032] Figure 3 This is an interactive diagram of a data update method in one embodiment;

[0033] Figure 4 This is a flowchart illustrating the data update method in another embodiment;

[0034] Figure 5 This is a flowchart illustrating the data update method in another embodiment;

[0035] Figure 6 This is a flowchart illustrating a data update method in one embodiment;

[0036] Figure 7 This is a flowchart illustrating a data update method in one embodiment;

[0037] Figure 8 This is a schematic diagram of the modules in a server that implement the data update method in one embodiment;

[0038] Figure 9 This is a structural block diagram of a data update device in one embodiment;

[0039] Figure 10 This is a structural block diagram of the data update device in another embodiment;

[0040] Figure 11 This is an internal structural diagram of a computer device in one embodiment;

[0041] Figure 12 This is a diagram of the internal structure of a computer device in another embodiment. Detailed Implementation

[0042] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0043] It should be noted that the user information (including but not limited to user electronic device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of related data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0044] The data update method provided in this application embodiment can be applied to, for example, Figure 1In the application environment shown, electronic device 102, server 104, and data provider 106 communicate via a network. Specifically, in response to a data update trigger event, electronic device 102 sends an address acquisition request to server 104 and receives a storage address from server 104. This storage address is used to store the target data required for the data update. Electronic device 102 identifies the data provider 106 for the target data and sends a data storage request carrying the storage address to data provider 106. If the data provider responds to the data storage request and stores the target data in the storage address, electronic device 102 obtains the data reading password generated by data provider 106 for the target data. Next, electronic device 102 sends the data reading password to server 104. Server 104 can then read the target data stored in the storage address based on the data reading password and update the data accordingly.

[0045] In some embodiments, electronic device 102 is equipped with a first client 102A and a second client 102B. The first client 102A is a client corresponding to server 104, and the second client 102B is a client corresponding to data provider 106. Electronic device 102 communicates with server 104 via a network. The first client 102A and the second client 102B on electronic device 102 can switch between the currently operating clients on electronic device 102 through a link established between the clients.

[0046] Specifically, in response to a data update trigger event initiated by the first client 102A, the electronic device 102 sends an address acquisition request to the server 104 and receives the storage address of the target data required for the data update from the server 104. The target object selects a data provider 106 to provide the target data through the first client 102A. After obtaining the selected data provider 106, the electronic device 102 sends a data storage request carrying the storage address to the data provider 106 through the second client 102B corresponding to the data provider 106. If the data provider responds to the data storage request and stores the target data at the storage address, the electronic device 102 obtains the data reading password generated by the data provider 106 for the target data through the second client 102B. Next, the electronic device sends the data reading password to the server 104 through the first client 102A. The server 104 can read the target data stored at the storage address based on the data reading password, update the data based on the target data, and obtain the data update result. The server 104 can also feed back the data update result to the electronic device 102 through the first client 102A.

[0047] The target object is the holder of electronic device 102. The target object can log into their account on electronic device 102 through first client 102A. In first client 102A, they can query object evaluation data generated by server 104 based on various characteristic data of the target object. The target object can then perform specific data interactions with server 104 based on the content represented by this object evaluation data. When necessary, the target object can request an update to the object evaluation data from server 104 through the first client, enabling data interactions with server 104 on a larger scale or with larger data values ​​based on the updated object evaluation data.

[0048] For example, when object evaluation data represents the virtual resources that a target object can borrow, the target object can apply to server 104 to borrow a specific number of virtual resources based on the object evaluation data. As another example, when object evaluation data represents the scope of data permissions that a target object can obtain, the target object can apply to server 104 to obtain data within a specific scope based on the object evaluation data. This could include updating the scope of management permissions or updating the scope of data queries. If the target object believes that the content represented by the object evaluation data cannot meet its needs, it can provide more evaluation data to server 104 and apply to server 104 to update its object evaluation data.

[0049] The electronic device 102 can be, but is not limited to, various desktop computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices can include smart speakers, smart TVs, smart air conditioners, and smart in-vehicle devices. Portable wearable devices can include smartwatches, smart bracelets, and head-mounted devices. The server 104 and data provider 106 can be implemented using independent servers or a server cluster consisting of multiple servers.

[0050] In one embodiment, such as Figure 2 and Figure 3 As shown, a data update method is provided, which is applied to... Figure 1 Taking electronic device 102 as an example, the following steps are included:

[0051] Step 202: In response to the data update trigger event, send an address retrieval request to the server and receive the storage address from the server; the storage address is used to store the target data required for the data update.

[0052] A data update trigger event is an event triggered on an electronic device to indicate that a data update is required. This event can be actively triggered by the target object holding the electronic device through a triggering operation, or passively triggered by the electronic device detecting that pre-defined triggering conditions are met. These pre-defined triggering conditions can be time-based, numerical, or other similar conditions. For example, a data update trigger event can be set to trigger once a month, or it can be triggered when a resource value falls below a set threshold. Furthermore, a data update trigger event is also a trigger condition for the electronic device to send an address retrieval request to the server. When the electronic device detects that a data update trigger event has been triggered, it sends an address retrieval request to the server.

[0053] An address retrieval request is a request sent by an electronic device to a server to obtain a storage address. Sending an address retrieval request to the server is a prerequisite for requesting a data update. During the data update process, to ensure the authenticity and reliability of the target data, the server will not directly receive the target data required for the data update from the electronic device. The server expects the target data to be provided directly by the data provider that generated the data. Therefore, the electronic device sends an address retrieval request to the server. In response to the address retrieval request, the server sends the storage address back to the electronic device, enabling the electronic device to send the storage address to the data provider, who then directly stores the target data at that storage address.

[0054] Specifically, the storage address can uniquely match the address retrieval request. In one embodiment, the server can pre-generate several storage addresses and allocate them separately when multiple address retrieval requests are received simultaneously, ensuring that each address retrieval request is assigned a different storage address. In another embodiment, the server can generate a storage address that matches the address retrieval request in real time based on the address retrieval request.

[0055] In some embodiments, the storage address can be storage space in the server, storage space provided by a third party that the server can allocate addresses to, or an email address that receives and stores emails, etc.

[0056] Step 204: Determine the data provider of the target data and send a data storage request carrying the storage address to the data provider.

[0057] The data required for data updates must be provided by a designated platform, which is the data provider. The data provider can generate original record data based on the target object's historical behavior and operations, and provide the original record data to the storage address carried in the data storage request when the target object sends a data storage request.

[0058] The data provider can be a fixed, single provider, one selected from multiple candidate providers, or a combination of multiple data providers. When there is only one data provider, the electronic device can directly send a data storage request carrying the data storage address to that data provider. When there is a combination of multiple data providers, the electronic device can directly send a data storage request carrying the storage address to each data provider in the combination, so that each data provider sends its target data to that storage address for data storage.

[0059] In one embodiment, when there is a combination of multiple data providers, the server can provide multiple different storage addresses to the electronic device based on the number of data providers carried in the address retrieval request sent by the electronic device. The number of storage addresses can be equal to the number of data providers in the combination, with each storage address corresponding one-to-one with each address retrieval request. This ensures that each data provider sends its target data to a different storage address, preventing confusion between target data provided by different data providers and improving the security of the target data provided by each data provider.

[0060] Step 206: If the data provider responds to the data storage request and stores the target data at the storage address, obtain the data reading password generated by the data provider for the target data.

[0061] A data access password is used to read target data from a storage address. The data access password is generated by the data provider for the target data. There is a one-to-one correspondence between the data access password and the target data; specific target data requires a specific data access password to be read.

[0062] Specifically, the electronic device can obtain the data access password from the data provider either passively or actively. In some embodiments, after the data provider sends the target data to the storage address carried in the address retrieval request, the electronic device can actively send a password query request for the target data to the data provider. The data provider responds to the password query request and sends the data access password for the target data to the electronic device, so that the data provider only issues the password when the electronic device needs it. In other embodiments, after sending the target data to the storage address carried in the address retrieval request, the data provider can directly send the data access password generated for the target data to the electronic device, so that the electronic device can quickly obtain the data access password, reducing the number of interactions and saving data transmission resources.

[0063] Step 208: Send the data reading password to the server. The data reading password is used to read the target data stored in the storage address. The target data is used to update the data.

[0064] After obtaining the data reading password, the electronic device can send it to the server. For target data stored at a storage address by the data provider, the server cannot directly read it from the storage address. It needs to first obtain the corresponding data reading password for the target data, and then read the target data from the storage address based on the password. Furthermore, after obtaining the target data, the server needs to update the data using the target data to obtain the data update result. The server can also feed back the data update result to the electronic device so that the target object holding the electronic device is aware of the data update result obtained by the server based on the target data.

[0065] In some embodiments, the data update result can include data update success and data update failure. A successful data update can include the updated specific data. In one embodiment, taking object evaluation data as an example, the target object expects the update result of the object evaluation data to be an increase in the object evaluation data value. Based on the target data, the server can determine whether the object evaluation data value can be increased. If so, the server determines the specific numerical update result to indicate a successful data update. If not, a data update failure message is directly generated to indicate the data update result.

[0066] In this embodiment, the target data required for data update is not forwarded via electronic devices, ensuring that the target data cannot be tampered with or forged through electronic devices. Furthermore, in this embodiment, the data reading password used to read the target data is obtained by the electronic device from the data provider and sent to the server. This enables the server to read the target data stored at the storage address based on the data reading password, ensuring that the server can only read the target data from the storage address after obtaining the data reading password from the electronic device. This ensures that the target data can only be obtained with full authorization from the electronic device. By fully considering the security and reliability of the target data from the perspective of target data acquisition, the process of the server acquiring the target data to achieve data update is secure and reliable.

[0067] In some embodiments, such as Figure 4 As shown, the data provider for the target data is determined, and a data storage request carrying the storage address is sent to the data provider, including:

[0068] Step 402: Based on the data type of the target data required for data update, determine the candidate providers of the target data.

[0069] Step 404: In response to the triggering operation of selecting a data provider from the candidate providers, the selected data provider is determined as the data provider of the target data.

[0070] Step 406: Based on the data provider's client, send a data storage request carrying the storage address to the data provider.

[0071] The data type of the target data required for data updating can be specified by the server or selected by the target object from multiple candidate data types. In some embodiments, taking the application scenario of data update processing as credit enhancement as an example, the data type of the target data required for credit enhancement can be specified by the server, such as bank statements, or the target object can select one from transaction records, bank statements, and other data as the target data for credit enhancement. Based on the data type of the target data required for data updating, the data provider for the target data can be determined. There can be only one data provider, or one or more can be selected from multiple candidate providers.

[0072] Specifically, based on the data type of the target data required for data update, the electronic device determines candidate providers capable of providing data of that data type. It then presents multiple candidate providers to the target object for selection through the currently logged-in client corresponding to the server. In response to the target object's triggering operation to select a data provider from the candidate providers, the electronic device designates the selected data provider as the data provider for the target data and jumps from the current client to the data provider's client. The data provider's client provides a data request interface, and the electronic device can send a data storage request carrying the storage address to the data provider based on the client's data request interface.

[0073] In a specific application scenario, electronic devices use Universal Link or AppLinks technology to enable navigation between different clients, from the current client corresponding to the server to the data provider's client. In some embodiments, taking the current client as an institutional app corresponding to the server and the data provider's client as a bank app as an example, the target device can select a target bank from the list of banks supported by the institutional app. In response to the selection of the target bank triggered in the institutional app, the electronic device wakes up the target bank's app. If the electronic device does not have the target bank's app installed, it is prompted to install it. If the electronic device already has the target bank's app installed, it can directly jump to the target bank's app login page to log in to its account. After successful login, the target bank's app automatically redirects to the data export page, sending a data storage request carrying the storage address to the data provider through the data request interface provided on the data export page.

[0074] In this embodiment, the electronic device provides multiple candidate providers for the target object to choose from. By directly enabling client jumps between clients of the electronic device, the processing of the electronic device can be simplified and the response speed to the operation of the target object can be improved.

[0075] In some embodiments, a data storage request carrying a storage address is sent to the data provider based on the data provider's client, including:

[0076] Obtain the time range input from the data provider's client, generate a data storage request containing the storage address and time range, and send the data storage request to the data provider through the data provider's client. The data storage request is used to instruct the data provider to store the target data belonging to the time range at the storage address.

[0077] The data provider records the data generated for each historical time period of the target object. In order to achieve effective data filtering, the time range of the target data to be stored can be defined before generating the data storage request. This allows the data provider to effectively filter and select the target data before sending it to the storage address, thereby reducing the amount of data transmitted during the transmission process and improving data transmission efficiency.

[0078] Since the server and the data provider belong to two different systems, data will not be shared between them to ensure the data privacy and security of the target object. The storage address is provided by the server to the electronic device, and the data storage request is initiated by the electronic device to the data provider. The server and the data provider can each have their own corresponding client on the electronic device. The clients of the electronic device can be linked to each other. After the electronic device obtains the storage address from the first client corresponding to the server, the target object holding the electronic device can copy the storage address displayed in the first client. Then, after the electronic device jumps to the second client of the data provider, the target object can paste the copied storage address into the second client, so that the electronic device can obtain the storage address from the second client and obtain the time range input by the target object from the second client. Then, the electronic device can generate a data storage request based on the storage address and time range obtained from the second client and send the data storage request to the data provider through the second client.

[0079] The storage address can be an email address. It should be noted that during this process, neither the electronic device nor the data provider needs to obtain the email login password corresponding to the email address, thereby reducing the risk of leakage of the target data received at the email address and improving data security.

[0080] In some embodiments, taking the server's client on the electronic device as the first client and the data provider's client on the electronic device as the second client as an example, the server can write to the operation page of the second client using the storage address provided by the first client, so that the electronic device can obtain the storage address from the second client and generate a data storage request. Specifically, writing the storage address obtained by the first client from the server to the second client can be done automatically after a client-side jump from the first client to the second client, or it can be achieved through a copy-and-paste operation of the storage address by the target object.

[0081] The electronic device obtains the storage address and time range from the second client, generates a data storage request containing the storage address and time range, and sends the data storage request to the data provider through the second client, so that the data provider sends the target data within the time range to the storage address for storage.

[0082] In this embodiment, before generating a data storage request, a time range for the data to be sent is defined. This allows the data provider to proactively filter and select data based on the time range, reducing the amount of data transmitted during the transmission of target data to the storage address and improving data transmission efficiency. Inputting the storage address on a second client via client redirection on the electronic device enables rapid data synchronization between different clients, reducing the data processing load on the electronic device.

[0083] In some embodiments, in addition to passively accepting the data reading password provided by the data provider, electronic devices can also actively obtain the data reading password from the data provider. The process by which an electronic device actively obtains the data reading password from the data provider is described below.

[0084] In some embodiments, before obtaining the data reading password from the data provider, the method further includes:

[0085] Receive a notification message from the data provider indicating that the target data has been successfully sent.

[0086] Obtain the data access password from the data provider, including:

[0087] Send a password query request for the target data to the data provider;

[0088] The receiving data provider retrieves the password based on the password query request.

[0089] The "Target Data Sending Successful" message indicates that the data provider has successfully stored the target data at the storage address and generated a data access password for retrieving the target data. Specifically, after successfully sending the target data requested by the electronic device to the storage address, the data provider will send a "Target Data Sending Successful" message to the electronic device. This message may include a password query interface. The target object can trigger the target query interface to send a password query request for the target data to the data provider, improving the convenience of sending password query requests.

[0090] The password query interface can be triggered directly or with configured verification parameters, allowing it to be triggered only after the target's identity has been verified, thus enhancing security. Furthermore, in response to the password query request, the data provider retrieves the data reading password for the target data and then sends that password back to the electronic device logged into by the target.

[0091] In this embodiment, the electronic device sends a password query request to the data provider by receiving a successful message indicating that the target data has been sent. This ensures that the data reading password is only sent to the electronic device when the target needs to query the password. This keeps the authority to send the data reading password in the hands of the target who owns the electronic device, reducing the possibility of data reading password leakage and effectively improving data security.

[0092] In some embodiments, in response to a data update trigger event, sending an address retrieval request to the server includes: in response to a data update request event, determining an authorization agreement for data of the data type to be used based on the data type of the target data required for the data update; and, if the authorization agreement is in a signed state, sending an address retrieval request to the server.

[0093] In cases where the target data required for a data update may involve the privacy data of the target object, the electronic device, upon detecting a data update request event for the target object, needs to first obtain full authorization from the target object for the target data required for the data update. Therefore, the electronic device needs to respond to the data update request event, determine the data type of the target data required for the data update, and if the data of that data type involves the privacy data of the target object, determine an authorization agreement authorizing the use of the target data of that data type, and display the authorization agreement in a pending-signing state on the electronic device. Once the target object signs the authorization agreement, making the authorization agreement a signed agreement—indicating that the target object agrees to use the target data indicated by the authorization agreement—the electronic device sends an address retrieval request to the server to obtain the storage address returned by the server in response to the address retrieval request.

[0094] In this embodiment, since the target data provided by the data provider is directly sent to the storage address for storage, and the server retrieves it from the storage address based on the data reading password, the target object does not directly obtain the target data. For the target object, it needs to determine whether the use of the target data is secure. By requesting and signing an authorization agreement with the target object, the electronic device can ensure that the target object is aware of the target data required during the data update process in advance and grants sufficient authorization. This reduces the operations required for the target object to understand the purpose of the target data and improves the resource utilization rate of the electronic device.

[0095] The above embodiments represent the main processing procedures on the electronic device side in this application. For ease of description, the specific processing procedures involving the server in the above embodiments will be described in the following embodiments.

[0096] It is understood that the processing procedures on the electronic device side in the above embodiments can also be implemented in the following server-side embodiments.

[0097] In one embodiment, such as Figure 3 and Figure 5 As shown, a data update method is provided, which is applied to... Figure 1 Taking the server in the example, the following steps are included:

[0098] Step 502: Receive an address retrieval request sent by the electronic device based on a data update trigger event, and determine the storage address that matches the address retrieval request.

[0099] In this context, an address retrieval request is a request sent by the target object of the electronic device to the server to obtain its storage address. Responding to the address retrieval request and determining the storage address is a prerequisite operation for the server to perform data updates. During the data update process, to ensure the authenticity and reliability of the target data, the server will not directly receive the target data required for the data update from the electronic device. The server expects the target data to be provided directly by the data provider that generated the data. Therefore, the server receives and responds to the address retrieval request sent by the electronic device, providing the storage address that matches the address retrieval request.

[0100] Specifically, the storage address can uniquely match the address retrieval request. In one embodiment, the server can pre-generate several storage addresses and allocate them separately when multiple address retrieval requests are received simultaneously, ensuring that each address retrieval request is assigned a different storage address. In another embodiment, the server can generate a storage address that matches the address retrieval request in real time based on the address retrieval request.

[0101] Step 504: Feed back the storage address to the electronic device. The storage address is used to store the target data required for data updates.

[0102] The target data required for data updates needs to be provided by a designated platform, which is the data provider. The data provider can generate original record data based on the target object's historical behavior and provide the original record data to the storage address carried in the data storage request when the target object sends a data storage request.

[0103] The data provider can be a fixed, single provider, one selected from multiple candidate providers, or a combination of multiple data providers. When there is only one data provider, the electronic device can directly send a data storage request carrying the data storage address to that data provider; this data storage address is the storage address. When there is a combination of multiple data providers, the electronic device can directly send a data storage request carrying the storage address to each data provider in the combination, so that each data provider sends its target data to that storage address for data storage.

[0104] In one embodiment, when there is a combination of multiple data providers, the server can provide multiple different storage addresses to the electronic device based on the number of data providers carried in the address retrieval request sent by the electronic device. The number of storage addresses can be equal to the number of data providers in the combination, with each storage address corresponding one-to-one with each address retrieval request. This ensures that each data provider sends its target data to a different storage address, avoiding confusion between data provided by different providers and improving the security of the target data provided by each data provider.

[0105] Step 506: Receive the data reading password obtained by the electronic device from the data provider of the target data. The data reading password is generated by the data provider for the target data, which is stored by the data provider in the storage address sent by the electronic device. The data reading password is used to read the target data in the storage address. The data reading password is generated by the data provider for the target data sent to the storage address. There is a one-to-one correspondence between the data reading password and the target data; specific target data requires a specific data reading password to be read.

[0106] Specifically, the electronic device can obtain the data access password from the data provider either passively or actively. In one embodiment, after the data provider sends the target data to the storage address carried in the address retrieval request, the electronic device can send a password query request to the data provider, so that the data provider provides the data access password generated for the target data to the electronic device. In another embodiment, after sending the target data to the storage address carried in the address retrieval request, the data provider can directly send the data access password generated for the target data to the electronic device, so that the electronic device can quickly obtain the data access password, reduce the number of interactions, and save data transmission resources.

[0107] Step 508: Based on the data reading password, read the target data from the storage address.

[0108] After obtaining the data reading password, the electronic device can send the password to the server. For target data stored at a storage address by the data provider, the server cannot directly read it from the storage address; it needs to first obtain the corresponding data reading password and then read the target data stored at the storage address based on the password.

[0109] Step 510: Update the data based on the target data to obtain the data update result.

[0110] Furthermore, the ultimate purpose of the address retrieval request received by the server is to update the data. Therefore, after obtaining the target data, the server needs to update the data using the target data to obtain the data update result. The server can also feed back the data update result to the electronic device so that the target object of the electronic device knows the data update result obtained by the server based on the target data. Further, the data update result can include data update success and data update failure. Data update success can include the specific updated data. In one embodiment, taking the updated data as object evaluation data as an example, the target object expects the update result of the object evaluation data to be an increase in the value of the object evaluation data. Based on the target data, the server can determine whether the value of the object evaluation data can be increased. If so, the server determines the specific value update result to indicate that the data update is successful. If not, the server directly generates a data update failure message to indicate the data update result.

[0111] In the above-described data update method, in this embodiment, the target data required for data update is not forwarded via electronic devices, ensuring that the target data cannot be tampered with or forged through electronic devices. Furthermore, in this embodiment, the data reading password used to read the target data is obtained by the electronic device from the data provider and sent to the server. The server reads the target data stored at the storage address based on the data reading password, ensuring that the server can only read the target data from the storage address after obtaining the data reading password from the electronic device. This ensures that the target data can only be obtained with full authorization from the electronic device. By fully considering the security and reliability of the target data from the perspective of target data acquisition, the process of the server acquiring the target data to implement data updates is ensured to be secure and reliable. In some embodiments, such as... Figure 6 As shown, receiving an address retrieval request sent by an electronic device based on a data update trigger event, and determining the storage address matching the address retrieval request, includes:

[0112] Step 602: Receive the address retrieval request sent by the electronic device based on the data update trigger event, and extract the attribute data of the address retrieval request.

[0113] Step 604: Based on the attribute data, generate a storage address that matches the address retrieval request.

[0114] The attribute data of the address retrieval request is used to effectively distinguish different address retrieval requests. When the address retrieval requests of the server are received asynchronously, the attribute data can specifically be at least one of the timestamp of the received address retrieval request and the request sequence number of the received address retrieval request. When some of the address retrieval requests of the server are received synchronously, the attribute data can be a combination of multiple data, such as the receiving node identifier of the address retrieval request, the timestamp of the address retrieval request, and the request sequence number corresponding to the address retrieval request.

[0115] In one embodiment, the server receives an address acquisition request sent by the target object of the electronic device, extracts attribute data from the address acquisition request to obtain attribute data that uniquely represents the address acquisition request, and then the server can generate a storage address based on the attribute data to ensure that the generated storage address uniquely matches the address acquisition request. This facilitates finding the storage address that matches the address acquisition request in subsequent processing and reading the target data, thereby improving data security and effectively improving the efficiency of the server in reading the target data from the storage address.

[0116] In one embodiment, the attribute data of the address retrieval request is extracted, including: the identifier of the receiving node of the address retrieval request, the timestamp of the address retrieval request, and the request sequence number corresponding to the address retrieval request.

[0117] Furthermore, based on attribute data, a storage address matching the address retrieval request is generated, including: generating a storage address matching the address retrieval request based on the receiving node identifier, timestamp, and request sequence number.

[0118] The receiving node identifier can be a server node ID. Regarding the generation of storage addresses, the server can generate unique storage addresses based on three dimensions: timestamp, server node ID, and request sequence number. For example, it can generate unique email addresses so that address retrieval requests received at the same time will generate different storage addresses on different server nodes. For address retrieval requests received at the same time on the same server node, the generated storage addresses can be guaranteed to be unique through the request sequence number, ensuring that the storage address generated for each address retrieval request is unique.

[0119] In this embodiment, the storage address is generated by obtaining the identifier of the receiving node of the address retrieval request, the timestamp of the address retrieval request, and the request sequence number corresponding to the address retrieval request. This ensures the uniqueness of the storage address generated for the address retrieval request from multiple dimensions. In this application, the email address is not generated based on the target object information, which avoids attackers probing the platform's storage address generation rules and causing information security threats. A one-to-one mapping relationship is formed with this data update process so that the corresponding storage address can be found in the subsequent target data download process.

[0120] In some embodiments, the storage address is a temporary storage address. After reading the target data from the storage address based on the data reading password, the method further includes: destroying the temporary storage address.

[0121] In this context, a temporary storage address refers to a storage address generated solely for the current data update process. After the server reads the target data sent by the data provider to the storage address based on the data retrieval password, the server destroys the temporary storage address to ensure that the target data received in the temporary storage address does not cause information leakage, thereby improving data security. In some embodiments, the temporary storage address is a temporary email address. After the server reads the target data sent by the data provider to the temporary email address based on the data retrieval password, the server destroys the temporary email address. Furthermore, when the target object needs to update its evaluation data again, the server will generate a new temporary email address and retrieve the target data again for the data update.

[0122] The above is an introduction to the processing of storage addresses in the server in this application. The following section will describe in detail the process by which the server updates the object evaluation data based on the target data.

[0123] In some embodiments, such as Figure 7As shown, data updates are performed based on the target data to obtain the data update results, including:

[0124] Step 702: Based on the data dimension to which the target data belongs, perform feature extraction on the target data to obtain feature data.

[0125] Step 704: Based on the feature data, update the object evaluation data indicated by the data update trigger event to obtain the data update result.

[0126] The target data can be single-dimensional or multi-dimensional. Taking multi-dimensional target data as an example, each data item in the target data may belong to different data dimensions. During the data update process, the server needs to first extract features from the target data based on the data dimensions to which each data item belongs, to obtain multi-dimensional feature data. This is to fully evaluate the characteristics of the target object in different dimensions. Then, based on the multi-dimensional feature data, the object evaluation data indicated by the data update trigger event is evaluated to determine whether the object evaluation data needs to be updated, thereby obtaining the data update result of the object evaluation data.

[0127] In one embodiment, taking bank transaction records as the target data as an example, the server's data parsing module can asynchronously retrieve bank transaction records sent by the bank from the storage address. Based on the data reading password provided by the client, the server opens the bank transaction records, parses them, and converts them into standard format transaction details. The feature service module in the server then calculates multi-dimensional feature information based on these standard format transaction details. The data parsing module has a configurable transaction record template. Since different banks have different formats for their bank transaction records, the server needs to abstract all supported bank transaction record formats to form a unified standard transaction record format for subsequent processing to calculate multi-dimensional feature information.

[0128] In a specific application scenario, taking bank transaction records as the target data as an example, bank transaction records can be divided into data dimensions, including account summary information, investment information, liability information, fraud risk information, income information, and expenditure information. Summary data can include account balance, total number of transactions, total income, and total expenditure. Investment information can include total investment amount, average monthly investment amount, and maximum consecutive investment months. Liability information can include average monthly virtual resource repayment amount, number of virtual resource repayments, and number of virtual resource repayment counterparties. Fraud risk information can include nighttime transaction frequency, nighttime transaction amount, percentage of nighttime transaction frequency, percentage of nighttime transaction amount, number of overseas transactions, and Benford coefficient. Income information can include the percentage of income from the company, average monthly income, and maximum consecutive months from the same company. Expenditure information can include average monthly expenditure, percentage of virtual resource repayments, and percentage of investment activities.

[0129] In this embodiment, the server extracts multi-dimensional feature data from the target data, which enables it to fully evaluate the characteristics of the target object in different dimensions. Based on the multi-dimensional feature data, the server can perform a comprehensive evaluation of the object evaluation data to determine whether the object evaluation data needs to be updated, thereby obtaining the updated object evaluation data and ensuring the accuracy and reliability of the update results.

[0130] In some embodiments, the data dimension of the target data includes a risk data dimension. Further, based on the risk data dimension, feature extraction is performed on the target data, including:

[0131] Determine the actual probability of occurrence of a number corresponding to a specified number of digits in the first data, and obtain the theoretical probability of occurrence of the number. The first data is the data belonging to the risk data dimension in the target data. Based on the actual probability of occurrence and the theoretical probability of occurrence, perform feature extraction on the first data.

[0132] The first data point belonging to the risk data dimension can be predefined based on the content of the target data. For example, when the target data is a bank statement, the first data point belonging to the risk data dimension can be at least one of the following: transaction amount or balance. The specified number of digits in the first data point can be the first digit, the second digit, etc. The actual probability of a digit appearing can be determined by introducing the Benford data verification method. The Benford data verification method reflects the possibility of data fraud by verifying the data through the frequency of use of 1 to 9 in naturally generated numbers. First, the probability of a digit naturally appearing at the beginning is calculated using the following formula:

[0133] p(d) = log 10 (d+1)-log 10 (d)

[0134] The probability of a number naturally appearing in the second position is calculated using the following formula:

[0135]

[0136] Taking transaction amount and balance data from bank statements as examples, we calculate the frequency of digits 1-9 appearing in the first and second positions, and then calculate the actual probability of their appearance. Based on the natural and actual probability of appearance, we calculate the KS value and cutoff value, which can then be abstracted into fraud risk features. The cutoff value is calculated as follows:

[0137]

[0138] In this embodiment, by using the actual and theoretical probabilities of occurrence of digits with a specified number of digits, feature extraction is performed on data belonging to the risk data dimension. This effectively obtains the risk characteristics of the data in the risk data dimension and improves the accuracy of the assessment of the target data.

[0139] In some embodiments, updating the object evaluation data indicated by the data update triggering event based on feature data to obtain a data update result includes: inputting feature data into the object evaluation scoring model to obtain the scoring data output by the object evaluation scoring model; and adjusting the object evaluation data based on the scoring data to obtain a data update result for the object evaluation data.

[0140] The object evaluation scoring model requires feature preprocessing, feature selection, dataset partitioning, and model training. For multi-dimensional feature data, the object evaluation scoring model requires model evaluation, score mapping, and other processing to obtain the scoring data.

[0141] Feature preprocessing includes handling missing values. Features with a missing value rate higher than a set threshold are discarded directly. Features with a missing value rate exceeding the threshold need to have their missing values ​​imputed. Imputed methods include minimum value, random value, and mean value. Furthermore, missing value imputed can also be implemented using machine learning algorithms. Using machine learning algorithms to impute missing values ​​typically yields better model performance. In one embodiment, the feature column to be imputed is used as the Y value, and other feature columns are used as X values. Missing feature values ​​are imputed through model prediction. In other embodiments, feature preprocessing also includes outlier handling and feature normalization.

[0142] For the object evaluation scoring model, logistic regression can be chosen as the basic model algorithm. Feature binning can improve the stability of the model and prevent overfitting. After binning, the feature woe[i] value is calculated for different groups i, where woe[i] = ln(proportion of negative samples in bin i / proportion of positive samples in bin i). woe discretizes the continuous variable. Based on the woe value, the iv value is further calculated. After obtaining the iv value of the feature, features with too small an iv value are not suitable as input data for the model. The iv value is calculated as follows:

[0143]

[0144] For the object evaluation scoring model, XGB (short for XGBoost model, boosting tree model) is also used as a booster for simple logistic regression. It has the advantage of reducing model error. Based on multiple base learners, each base learner is relatively simple, which effectively avoids overfitting. Each base learner is relearned based on the results of the previous learner, continuously improving the model performance and reducing the error between the model and reality.

[0145] During model training, it's also necessary to evaluate models that have terminated training to determine their applicability. Model evaluation has many dimensions, such as confusion matrix, F1 score, AUC, and KS value. AUC is the area under the ROC curve, typically between 0.5 and 1; a higher value indicates a greater probability of correct prediction. The KS value reflects the model's discriminative ability; generally, a value above 0.2 is considered usable, and a higher KS value indicates a stronger discriminative ability.

[0146] In the application of the object evaluation scoring model, multidimensional feature data can be input into the object evaluation scoring model to obtain scoring data. Based on the "good" or "bad" of the scoring results, it is determined whether to update the object evaluation data of the target object.

[0147] In this embodiment, scoring data is obtained by scoring through an object evaluation scoring model, which enables a systematic evaluation of the target object. The scoring model can effectively improve the evaluation speed and quickly obtain updated results of object evaluation data.

[0148] In some embodiments, based on feature data, the object evaluation data indicated by the data update triggering event is updated to obtain a data update result, including:

[0149] An analysis report is generated based on the feature data and sent to the object evaluation and review end. The evaluation and review end updates the object evaluation data based on the analysis report and obtains the updated data results.

[0150] Specifically, the server includes an analysis report module. This module uses the multi-dimensional feature data obtained in the above embodiments to generate an analysis report, which is then output to the object evaluation review end, such as relevant personnel or systems. This allows the object evaluation review end to provide decision support, and based on this decision support, update the object evaluation data to obtain the updated results. In this embodiment, external decision support can be obtained through analysis reports, thereby improving the accuracy of the updated object evaluation data.

[0151] This application also provides an application scenario in which the above-described data update method is applied. Specifically, as follows: Figure 8 As shown, the application of this data update method in this application scenario is as follows:

[0152] With the development of the internet and the increasing maturity of big data, cloud computing, and AI, the digital credit system is becoming increasingly sophisticated. To meet the needs of more customers, the borrowing of virtual resources is now primarily based on unsecured borrowers' credit. When a borrower submits a virtual resource borrowing application to an institution, the institution verifies the borrower's identity and verifies their qualifications to grant credit, granting the borrower a certain amount of virtual resources within a specified period. From the borrower's perspective, what options are available to obtain a larger credit limit after credit approval, or are there compensation options for those who fail the credit approval process? From the institution's perspective, after granting credit to a customer, are there more dimensions to assess the customer's qualifications and ability to repay virtual resources, allowing for the granting of larger credit limits to high-performing customers and improving the utilization rate of virtual resources?

[0153] Specifically, when an applicant applies to an institution for virtual resource borrowing, the institution completes the identification of the applicant's ID card, liveness detection, and bank card verification. The applicant will then receive a basic credit limit. If the applicant wants to obtain a higher credit limit through this application, they can supplement the institution with bank transaction records. Based on the transaction records provided by the applicant, the institution enhances the applicant's creditworthiness through model scoring and grants a higher credit limit.

[0154] In its specific implementation, the solution of this application includes the following steps:

[0155] 1. The target user triggers a credit limit increase request in the institution's APP on the electronic device. The user is redirected to the credit limit increase interface in the institution's APP. The electronic device responds to the target user's action of clicking "Import Bank Statements" on the credit limit increase interface.

[0156] 2. Before an electronic device submits a request to the bank for storing transaction records, the institution's app displays a user privacy agreement to the target user. The target user can read and sign the agreement. If the target user does not agree to sign the agreement, the credit enhancement process is terminated.

[0157] 3. When the target object clicks on the "Get Email" entry on the organization's APP front-end page, the electronic device sends an address retrieval request to the organization's server. The organization's server's email service generates a temporary email address for the target object and sends it back to the organization's APP. The target object can then copy the email address within the organization's APP.

[0158] Regarding the generation of temporary email addresses, the server can generate unique email addresses based on three dimensions: timestamp, server node ID, and sequence number. Different email addresses will be generated on different server nodes at the same time. Even within the same server node at the same time, the sequence number ensures that email addresses are not duplicated, guaranteeing the uniqueness of the email address generated for each data update request. The generation of email addresses does not use a scheme based on target object information, preventing attackers from probing platform rules and posing information security threats. The generated email address is only used for the current data update process, forming a one-to-one mapping relationship with that update so that the corresponding email address can be found in subsequent transaction record download stages. Once the email address is no longer in use, it will be automatically destroyed.

[0159] 4. When the target user selects the bank from the institution's app to import transaction records, the electronic device will redirect the user from the institution's app to the corresponding bank's app (the corresponding bank's app is installed on the electronic device). The bank's app will display the transaction record export interface, where the target user can enter the start and end dates of the transaction records and paste the copied email address. In response to the target user's confirmation, the electronic device will send a data storage request carrying the start and end dates and the email address to the bank's server, which is the data provider. The device will then wait for the bank's server to respond to the data storage request and send the transaction records to the email address according to the start and end dates.

[0160] To ensure a smoother user experience on mobile devices, Universal Link and AppLink solutions are used to enable navigation between apps, depending on the different terminal systems. Navigating from the institutional app to the bank app requires the following steps:

[0161] a. The target recipient selects the target bank from the list of banks supported by the institution's APP.

[0162] b. Activate the target bank's app; if not installed, prompt the user to install the target bank's app.

[0163] c. Upon detecting that the target object has logged into the bank's APP account, the system will automatically redirect to the transaction record export page after successful login.

[0164] d. In response to the target object selecting the start and end dates of the transaction record on the transaction record import page of the bank APP, obtain the email address pasted by the target object on the transaction record import page, generate a data storage request carrying the start and end dates and email address, and send it to the bank server corresponding to the target bank APP.

[0165] e. After the bank server successfully sends transaction record data to the email address, the electronic device responds to the target's password retrieval operation by sending a password retrieval request to the bank server to query the data and read the password. After obtaining the data retrieval password through the target bank's APP, it is redirected back to the institution's APP to proceed with the subsequent process.

[0166] 5. After step 4 is completed, the target can submit the data retrieval password to the server through the institution's APP. The server's data parsing module asynchronously retrieves the transaction records sent by the bank from the email. Based on the data retrieval password provided by the institution's APP, the transaction records are opened, and the data parsing module parses the transaction records, converting them into a standard format. The data parsing module has a configurable transaction record template. Different banks have different transaction record formats, so it is necessary to abstract all supported bank transaction record formats to form a unified standard transaction record format for subsequent processing.

[0167] 6. The server's feature service module calculates multi-dimensional feature data based on transaction record details.

[0168] Bank transaction records can be categorized by data dimensions, including account summary information, investment information, liability information, fraud risk information, income information, and expense information. Summary data may include account balance, total number of transactions, total income, and total expenses. Investment information may include total investment amount, average monthly investment amount, and maximum consecutive investment months. Liability information may include average monthly virtual resource repayment amount, number of virtual resource repayments, and number of virtual resource repayment counterparties. Fraud risk information may include nighttime transaction frequency, nighttime transaction amount, percentage of nighttime transaction frequency, percentage of nighttime transaction amount, number of overseas transactions, and Benford coefficient. Income information may include the percentage of income from the company, average monthly income, and maximum consecutive investment months from the same company. Expense information may include average monthly expenses, percentage of virtual resource repayments, and percentage of investment activities.

[0169] 7. The server's analysis report module uses multi-dimensional feature information to output analysis reports, providing decision support to relevant personnel or systems.

[0170] 8. The server's model scoring module will take multi-dimensional feature data as input based on the deployed scoring model, obtain the model score, adjust the credit limit of the target object according to the score, and obtain the credit enhancement processing result.

[0171] It should be understood that although the steps in the flowcharts of the above embodiments are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the above embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0172] Based on the same inventive concept, this application also provides a data update apparatus for implementing the data update method described above. The solution provided by this apparatus is similar to the implementation scheme described in the above method; therefore, the specific limitations in one or more data update apparatus embodiments provided below can be found in the limitations of the data update method described above, and will not be repeated here.

[0173] In one embodiment, such as Figure 9 As shown, a data update device is provided, comprising:

[0174] The storage address acquisition module 902 is used to send an address acquisition request to the server in response to a data update trigger event, and receive the storage address fed back by the server; the storage address is used to store the target data required for data update;

[0175] The data request module 904 is used to determine the data provider of the target data and send a data storage request carrying the storage address to the data provider;

[0176] Password acquisition module 906 is used to acquire a data reading password generated by the data provider for the target data when the data provider responds to the data storage request and stores the target data in the storage address;

[0177] The password sending module 908 is used to send the data reading password to the server. The data reading password is used to read the target data stored in the storage address. The target data is used to implement data updates.

[0178] In some embodiments, the data request module 904 is specifically configured to determine candidate providers of the target data based on the data type of the target data required for data update; in response to a triggering operation that selects a data provider from the candidate providers, determine the selected data provider as the data provider of the target data; and send a data storage request carrying the storage address to the data provider based on the data provider's client.

[0179] In some embodiments, the data request module 904 is specifically used to obtain a time range input from the client of the data provider; generate a data storage request containing the storage address and the time range; and send the data storage request to the data provider through the client, wherein the data storage request is used to instruct the data provider to store target data belonging to the time range into the storage address.

[0180] In some embodiments, the password acquisition module 906 is specifically used to, in response to a data update trigger event, determine an authorization agreement for the use of the target data based on the data type of the target data required for the data update; and, if the authorization agreement is in a signed state, send an address acquisition request to the server.

[0181] In some embodiments, the data update apparatus includes a protocol determination module, configured to determine an authorization protocol for authorizing the use of the target data based on the data type of the target data required for the data update in response to a data update triggering event;

[0182] The storage address acquisition module 902 is specifically used to send an address acquisition request to the server when the authorization agreement is in a signed state.

[0183] In one embodiment, such as Figure 10 As shown, a data update device is provided, comprising:

[0184] The storage address determination module 1002 is used to receive an address acquisition request sent by an electronic device based on a data update trigger event, and determine a storage address that matches the address acquisition request;

[0185] The storage address sending module 1004 is used to send the storage address back to the electronic device, wherein the storage address is used to store the target data required for data update;

[0186] The password receiving module 1006 is used to receive a data reading password obtained by the electronic device from the data provider of the target data. The data reading password is generated by the data provider for the target data, and the target data is stored by the data provider in the storage address sent by the electronic device.

[0187] Data reading module 1008 is used to read the target data from the storage address based on the data reading password;

[0188] The data update module 1010 is used to update the data based on the target data and obtain the data update result.

[0189] In some embodiments, the storage address determination module 1002 is specifically used to extract attribute data of the address acquisition request; and generate a storage address that matches the address acquisition request based on the attribute data.

[0190] In some embodiments, the storage address determination module 1002 is specifically used to obtain the receiving node identifier of the address acquisition request, the timestamp of the address acquisition request, and the request sequence number corresponding to the address acquisition request; and to generate a storage address matching the address acquisition request based on the server node identifier, the timestamp, and the request sequence number.

[0191] In some embodiments, the storage address is a temporary storage address; the data update device includes a storage address destruction module, used to destroy the temporary storage address after reading the target data from the storage address based on the data reading password.

[0192] In some embodiments, the data update module 1010 is specifically used to extract features from the target data based on the data dimension to which the data contained in the target data belongs, to obtain feature data; and to update the object evaluation data indicated by the data update triggering event based on the feature data, to obtain a data update result.

[0193] In some embodiments, the data dimension includes a risk data dimension; the data update module 1010 is specifically used to determine the actual probability of occurrence of a number corresponding to a specified number of digits in the first data, and to obtain the theoretical probability of occurrence of the number, and to extract features from the first data based on the actual probability of occurrence and the theoretical probability of occurrence. The first data is data belonging to the risk data dimension in the target data.

[0194] In some embodiments, the data update module 1010 is further configured to input the feature data into the object evaluation scoring model to obtain the scoring data output by the object evaluation scoring model; and to perform data adjustment on the object evaluation data based on the scoring data to obtain the data update result of the object evaluation data.

[0195] In some embodiments, the data update module 1010 is further configured to generate an analysis report based on the multidimensional feature data, send the analysis report to the object evaluation review terminal, and receive the data update result obtained by the evaluation review terminal updating the object evaluation data based on the analysis report.

[0196] Each module in the aforementioned data update device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can call and execute the operations corresponding to each module.

[0197] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 11 As shown, this computer device includes a processor, memory, input / output interfaces (I / O), and a communication interface. The processor, memory, and I / O interfaces are connected via a system bus, and the communication interface is also connected to the system bus via the I / O interfaces. The processor provides computational and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides the environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores data. The I / O interfaces are used for exchanging information between the processor and external devices. The communication interface is used for communicating with external electronic devices via a network connection. When the computer program is executed by the processor, it implements a data update method.

[0198] In one embodiment, a computer device is provided, which may be an electronic device, and its internal structure diagram may be as follows: Figure 12As shown, the computer device includes a processor, memory, input / output interfaces, a communication interface, a display unit, and an input device. The processor, memory, and input / output interfaces are connected via a system bus, and the communication interface, display unit, and input device are also connected to the system bus via the input / output interfaces. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The input / output interfaces are used for exchanging information between the processor and external devices. The communication interface is used for wired or wireless communication with external electronic devices; wireless communication can be achieved through Wi-Fi, mobile cellular networks, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements a data update method. The display unit of the computer device is used to form a visually visible image. It can be a display screen, a projection device, or a virtual reality imaging device. The display screen can be an LCD screen or an e-ink screen. The input device of the computer device can be a touch layer covering the display screen, or buttons, trackballs, or touchpads set on the casing of the computer device, or external keyboards, touchpads, or mice, etc.

[0199] Those skilled in the art will understand that Figure 11 and Figure 12 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0200] In one embodiment, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps of the above-described method embodiments.

[0201] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon that, when executed by a processor, implements the steps in the above method embodiments.

[0202] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0203] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0204] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0205] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A data update method, characterized in that, The method includes: In response to a data update trigger event, an address retrieval request is sent to the server, and a storage address is received from the server; the storage address is used to store the target data required for the data update. Identify the data provider of the target data and send a data storage request carrying the storage address to the data provider; When the data provider responds to the data storage request and stores the target data at the storage address, the data reading password generated by the data provider for the target data is obtained. The data reading password is sent to the server. The data reading password is used to read the target data stored in the storage address. The target data is used to update the data.

2. The method according to claim 1, characterized in that, The step of determining the data provider of the target data and sending a data storage request carrying the storage address to the data provider includes: Based on the data type of the target data required for data updates, candidate providers of the target data are determined; In response to a triggering operation that selects a data provider from the candidate providers, the selected data provider is determined as the data provider for the target data; Based on the data provider's client, a data storage request carrying the storage address is sent to the data provider.

3. The method according to claim 2, characterized in that, The client based on the data provider sends a data storage request carrying the storage address to the data provider, including: Obtain the time range input from the client of the data provider; Generate a data storage request that includes the storage address and the time range; The data storage request is sent to the data provider through the client. The data storage request is used to instruct the data provider to store the target data belonging to the time range to the storage address.

4. The method according to any one of claims 1 to 3, characterized in that, The step of sending an address retrieval request to the server in response to a data update trigger event includes: In response to a data update trigger event, an authorization agreement for authorizing the use of the target data is determined based on the data type of the target data required for the data update; If the authorization agreement is in a signed state, send an address retrieval request to the server.

5. A data update method, characterized in that, The method includes: Receive an address retrieval request sent by an electronic device based on a data update trigger event, and determine a storage address that matches the address retrieval request; The storage address is fed back to the electronic device, and the storage address is used to store the target data required for data updates; The electronic device receives a data reading password obtained from the data provider of the target data, the data reading password being generated by the data provider for the target data, the target data being stored by the data provider in the storage address sent by the electronic device; Based on the data reading password, the target data is read from the storage address; The data is updated based on the target data to obtain the updated data result.

6. The method according to claim 5, characterized in that, Determining the storage address that matches the address acquisition request includes: Extract the requested attribute data from the address; Based on the attribute data, a storage address matching the address retrieval request is generated.

7. The method according to claim 5 or 6, characterized in that, The step of updating the data based on the target data to obtain the data update result includes: Based on the data dimension to which the target data belongs, feature extraction is performed on the target data to obtain feature data; Based on the feature data, the object evaluation data indicated by the data update trigger event is updated to obtain the data update result.

8. The method according to claim 7, characterized in that, The data dimensions include risk data dimensions; Based on the aforementioned risk data dimension, feature extraction is performed on the target data, including: Determine the actual probability of occurrence of a number corresponding to a specified number of digits in the first data, and obtain the theoretical probability of occurrence of the number. The first data is the data belonging to the risk data dimension in the target data. Based on the actual occurrence probability and the theoretical occurrence probability, feature extraction is performed on the first data.

9. The method according to claim 7, characterized in that, The step of updating the object evaluation data indicated by the data update triggering event based on the feature data to obtain the data update result includes: The feature data is input into the object evaluation scoring model to obtain the scoring data output by the object evaluation scoring model; Based on the scoring data, the object evaluation data is adjusted to obtain the updated data result of the object evaluation data.

10. A data update device, characterized in that, The device includes: The storage address acquisition module is used to send an address acquisition request to the server in response to a data update trigger event and receive the storage address returned by the server; the storage address is used to store the target data required for the data update. The data request module is used to determine the data provider of the target data and send a data storage request carrying the storage address to the data provider; The password acquisition module is used to acquire the data reading password generated by the data provider for the target data when the data provider responds to the data storage request and stores the target data in the storage address. The password sending module is used to send the data reading password to the server. The data reading password is used to read the target data stored in the storage address. The target data is used to implement data updates.

11. A data updating device, characterized in that, The device includes: The storage address determination module is used to receive an address acquisition request sent by an electronic device based on a data update trigger event, and determine the storage address that matches the address acquisition request; A storage address sending module is used to send the storage address back to the electronic device, wherein the storage address is used to store the target data required for data updates; A password receiving module is used to receive a data reading password obtained by the electronic device from the data provider of the target data. The data reading password is generated by the data provider for the target data, and the target data is stored by the data provider in the storage address sent by the electronic device. The data reading module is used to read the target data from the storage address based on the data reading password; The data update module is used to update the data based on the target data and obtain the data update result.

12. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 9.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 9.

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