A method and system for calling customer data of a third-party data information platform

Abstract

The present invention discloses a method and system for calling customer data of a third-party data information platform, and the method includes: obtaining the identity information and pending business information of a target customer, determining multiple third-party data access information sources for the target customer based on the identity information and pending business information, detecting the authorization credit certificate of each third-party data access information source, determining the unauthorized third-party data access information source and the authorized third-party data access information source based on the detection result, and calling the target customer's special customer data from multiple third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source. By determining multiple third-party data access information sources of the target customer and then acquiring them, and then authorizing them through the target customer to obtain more customer data for decision-making evaluation, it is possible to more accurately and objectively evaluate whether the target customer meets the credit business conditions, thereby improving stability, practicality and credit efficiency.

Description

Technical Field

[0001] The present invention relates to the technical field of big data information retrieval, and in particular to a method and system for calling customer data of a third-party data information platform. Background Art

[0002] At present, in the context of the big data era, data resources are important resources for internal operations management of enterprises. In the field of financial credit, data is an important resource for enterprises to build personal credit risk control systems. The quality and diversity of data determine the accuracy of risk management decisions to a certain extent. Data resources include internal data and external third-party data. At present, in the market, credit institutions generally combine the use of external scoring data products to manage the credit decision of applicants. Their working mode is to obtain relevant data of customers according to the business needs of applicants and conduct multi-dimensional evaluation of applicants to determine whether they meet the credit requirements. There are the following problems: Since the referenced data are obtained through a third-party platform with no access barriers, the obtained customer data is not accurate and comprehensive enough, resulting in the final evaluation decision not being objective enough, affecting the efficiency of credit decision-making. Summary of the invention

[0003] In response to the above-mentioned problems, the present invention provides a method for calling customer data of a third-party data information platform to solve the problem mentioned in the background technology that the referenced data are all obtained through a third-party platform with no access barriers, so the obtained customer data are not accurate and comprehensive enough, resulting in the final evaluation decision not being objective enough, affecting the efficiency of credit decision-making.

[0004] A method for calling customer data of a third-party data information platform comprises the following steps:

[0005] Obtain target customers’ identity information and pending business information;

[0006] Determine multiple third-party data access information sources for the target customer based on the identity information and the pending business information;

[0007] Detect the authorization credentials of each third-party data access information source, and determine the third-party data access information source without permission and the third-party data access information source with permission based on the detection results;

[0008] After the target customer authorizes the unauthorized third-party data access information source, the target customer's special customer data is retrieved from the multiple third-party data access information sources.

[0009] Preferably, the step of obtaining the identity information and pending business information of the target customer includes:

[0010] Receiving a business processing request from a target customer, and providing the target customer with a plurality of optional business items according to the business processing request;

[0011] Acquire the target business item selected by the target customer, and determine the target customer's pending business information based on the target business item and the material information provided by the target customer;

[0012] Acquire the first identity information of the target customer according to the business processing request, perform integrity check on the first identity information, and determine items to be completed according to the check result;

[0013] Acquire the target customer's improvement content for the item to be improved, and fill the improvement content into the first identity information to obtain the second identity information.

[0014] Preferably, the determining of multiple third-party data access information sources for the target customer based on the identity information and the pending business information includes:

[0015] Determine the data reference basis based on the identity information and the pending business information;

[0016] Determine the type of third-party data platform based on the data reference;

[0017] Filtering out multiple first third-party data platforms registered by the target customer based on the type of the third-party data platform;

[0018] Filter out the second- and third-party data platforms that have business interactions with target customers within a preset period, and use the data source of each second- and third-party data platform to determine the target customers’ third-party data access information source.

[0019] Preferably, before the target customer's special customer data is retrieved from the plurality of third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source, the method further comprises:

[0020] Obtain resource links for each unauthorized third-party data access information source;

[0021] Generate authorization request for each unauthorized third-party data access information source based on each resource link;

[0022] Send each authorization request to the target customer's mobile terminal, authenticate the current operator of the mobile terminal, and selectively display each authorization request based on the verification result;

[0023] Receive feedback instructions from the target customer for each authorization request, and adaptively authorize the unauthorized third-party data access information source according to the feedback instructions.

[0024] Preferably, the step of retrieving the target customer's special customer data from the plurality of third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source includes:

[0025] Determine the special data to be retrieved for the target customer based on the identity information and pending business information of the target customer;

[0026] Generate an information source subscription request according to the special data to be retrieved;

[0027] Sending the information source subscription request to the third-party data platform corresponding to each third-party data access information source to obtain access rights;

[0028] After obtaining access rights, the target customer's specific customer data is retrieved from the plurality of third-party data access information sources.

[0029] Preferably, the step of detecting the authorization credit certificate of each third-party data access information source and determining the unauthorized third-party data access information source and the authorized third-party data access information source according to the detection result includes:

[0030] Determine the authentication information template required for the authorized credit credential, send the authentication information template to the target customer's mobile phone terminal and receive the target authentication information fed back by the target customer;

[0031] Obtain the target customer's transaction voucher information on each third-party data platform where the third-party data access information source is located;

[0032] Feedback the target authentication information and transaction credential information to each third-party data platform to determine whether the third-party data platform has the target customer's authorized credit credential;

[0033] Conduct data access testing on the target third-party data access information source of the target third-party data platform with the authorized credit credentials of the target customer, and determine the unauthorized third-party data access information source and the authorized third-party data access information source based on the test results.

[0034] Preferably, the method further comprises:

[0035] Obtain usage scores and resource pool data quantification accuracy of each third-party data platform;

[0036] Conduct authoritative assessment of each third-party data platform based on the usage score and resource pool data quantification accuracy, and obtain assessment results;

[0037] According to the above consideration results, the first third-party data platforms that fail to meet the standards and the second third-party data platforms that meet the standards are counted;

[0038] The first special customer data corresponding to the first third-party data platform shall be used as the basic reference data, and the second special customer data corresponding to the second third-party data platform shall be used as the core reference data.

[0039] Preferably, the method further comprises:

[0040] Acquire multiple predetermined related features of the pending business information and a weight value of each predetermined related feature;

[0041] Extracting a correlation index of each predetermined relevant feature in the special customer data according to the plurality of predetermined relevant features;

[0042] Sorting all associated indicators based on the weight value of each predetermined related feature to obtain a sorting result;

[0043] Evaluate the degree of fit of the target customer with respect to the business information to be processed according to the indicator value of each associated indicator in the sorting result;

[0044] Confirm whether the degree of fit is greater than or equal to a preset threshold. If so, confirm that the target customer's special customer data meets the standard. If not, confirm that the target customer's special customer data does not meet the standard.

[0045] Preferably, the method further comprises:

[0046] Archive the special customer data of target customers;

[0047] Determine the credit capacity value of the target customer based on the special customer data;

[0048] Recommend suitable credit services to target customers based on the credit capacity value.

[0049] Preferably, determining the special data to be retrieved for the target customer based on the identity information and the pending business information of the target customer includes:

[0050] Determine the purpose of data use and multiple data sources based on the target customer's identity information and pending business information;

[0051] Encrypt non-public data in each data source based on the purpose of data use;

[0052] Number the complete data in each data source to obtain multiple numbered data;

[0053] Determine the filtering attribute of each numbered data, and determine the filtering status of each numbered data according to the preset filtering rules based on the filtering attribute of each numbered data;

[0054] Analyze the filtering situation of each number, and determine the filtering probability of each number data according to the analysis result;

[0055] Select to filter the target number data with the filtering probability above the preset probability in each data source;

[0056] Use the preset data cleaning model to clean the target number data of each data source to obtain multiple cleaned data sources;

[0057] Determine the relevant condition parameters corresponding to the business information to be processed, and determine the data acquisition object in each cleaned data source according to the relevant condition parameters;

[0058] Extract the data objects in each cleaned data source and integrate them to generate special data to be retrieved for target customers.

[0059] A customer data calling system of a third-party data information platform, the system comprising:

[0060] The acquisition module is used to obtain the identity information and pending business information of the target customer;

[0061] A determination module, used to determine multiple third-party data access information sources for a target customer based on the identity information and the pending business information;

[0062] A detection module, used to detect the authorization credit certificate of each third-party data access information source, and determine the third-party data access information source without permission and the third-party data access information source with permission according to the detection result;

[0063] The retrieval module is used to retrieve the target customer's special customer data from the multiple third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source.

[0064] Other features and advantages of the present invention will be described in the following description, and partly become apparent from the description, or understood by practicing the present invention. The purpose and other advantages of the present invention can be realized and obtained by the structures particularly pointed out in the written description and the accompanying drawings.

[0065] The technical solution of the present invention is further described in detail below through the accompanying drawings and embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0066] The accompanying drawings are used to provide further understanding of the present invention and constitute a part of the specification. They are used to explain the present invention together with the embodiments of the present invention and do not constitute a limitation of the present invention.

[0067] Figure 1 A workflow diagram of a method for calling customer data of a third-party data information platform provided by the present invention;

[0068] Figure 2Another workflow diagram of a method for calling customer data of a third-party data information platform provided by the present invention;

[0069] Figure 3 Another workflow diagram of a method for calling customer data of a third-party data information platform provided by the present invention;

[0070] Figure 4 This is a structural schematic diagram of a customer data calling system of a third-party data information platform provided by the present invention. DETAILED DESCRIPTION

[0071] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0072] At present, in the context of the big data era, data resources are important resources for internal operation and management of enterprises. In the field of financial credit, data is an important resource for enterprises to build personal credit risk control systems. The quality and diversity of data determine the accuracy of risk management decisions to a certain extent. Data resources include internal data and external third-party data. At present, in the market, credit institutions generally combine the external scoring data products called to manage the credit decision of applicants. Its working mode is to obtain relevant data of customers according to the business needs of applicants and conduct multi-dimensional evaluation of applicants to determine whether they meet the credit requirements. It has the following problems: Since the referenced data are obtained through a third-party platform with no access barriers, the obtained customer data is not accurate and comprehensive enough, resulting in the final evaluation decision not being objective enough, affecting the efficiency of credit decision-making. In order to solve the above problems, this embodiment discloses a customer data calling method of a third-party data information platform.

[0073] A method for calling customer data of a third-party data information platform, such as Figure 1 As shown, the following steps are included:

[0074] Step S101, obtaining the identity information and pending business information of the target customer;

[0075] Step S102: determining multiple third-party data access information sources for the target customer based on the identity information and the pending business information;

[0076] Step S103: Detect the authorization credit certificate of each third-party data access information source, and determine the unauthorized third-party data access information source and the authorized third-party data access information source according to the detection result;

[0077] Step S104: after the target customer authorizes the unauthorized third-party data access information source, the target customer's special customer data is retrieved from the plurality of third-party data access information sources.

[0078] In this embodiment, the identity information is represented by the target customer's occupation, identity, and other information;

[0079] In this embodiment, the pending business information is represented by information such as the loan that the target customer wants to apply for;

[0080] In this embodiment, the third-party data access information source is represented by a third-party platform data source that needs to collect user data of target customers for pending business information;

[0081] In this embodiment, the authorization credit certificate is represented by the user credit authority authorization certificate for each third-party platform;

[0082] In this embodiment, the special customer data is represented by the target customer's credit report and status data of other loan products.

[0083] The working principle of the above technical solution is: obtain the identity information and pending business information of the target customer, determine multiple third-party data access information sources for the target customer based on the identity information and pending business information, detect the authorization credit credentials of each third-party data access information source, determine the unauthorized third-party data access information source and the authorized third-party data access information source based on the detection results, and retrieve the target customer's special customer data from the multiple third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source.

[0084] The beneficial effects of the above technical solution are: by determining multiple third-party data access information sources of target customers and then acquiring them, and then obtaining more customer data through authorization by the target customers to make decision-making evaluations, it is possible to more accurately and objectively evaluate whether the target customers meet the credit business conditions, thereby improving stability and practicality as well as credit efficiency, and solving the problem in the prior art that the reference data are all obtained through a third-party platform with no access barriers, making the obtained customer data not accurate and comprehensive enough, resulting in the final evaluation decision not being objective enough, thereby affecting the efficiency of credit decision-making.

[0085] In one embodiment, Figure 2 As shown, the acquisition of the target customer's identity information and pending business information includes:

[0086] Step S201: receiving a service request from a target customer, and providing the target customer with a plurality of service options according to the service request;

[0087] Step S202: Acquire the target business item selected by the target customer, and determine the target customer's pending business information based on the target business item and the material information provided by the target customer;

[0088] Step S203: acquiring the first identity information of the target customer according to the business handling request, performing an integrity check on the first identity information, and determining items to be completed according to the check result;

[0089] Step S204: Obtain the target customer's improvement content for the item to be improved, and fill the improvement content into the first identity information to obtain the second identity information.

[0090] In this embodiment, the business processing request represents the processing demand of the loan business applied for online by the target customer;

[0091] In this embodiment, the selected business item represents a loan business item recommended for the processing needs of the target customer;

[0092] In this embodiment, the item to be completed is represented as missing information of the target customer's identity information required based on the information of the business to be processed.

[0093] The beneficial effects of the above technical solution are: by determining the target customer's pending business items and then determining the pending business information, the target customer's pending business can be determined more precisely, thereby improving the accuracy and efficiency of business judgment. Furthermore, by checking and improving the target customer's identity information, the most complete identity information of the target customer can be obtained, thereby laying the foundation for the subsequent screening of data sources for data retrieval, and further improving stability and practicality.

[0094] In one embodiment, the determining of multiple third-party data access information sources for the target customer based on the identity information and the pending business information includes:

[0095] Determine the data reference basis based on the identity information and the pending business information;

[0096] Determine the type of third-party data platform based on the data reference;

[0097] Filtering out multiple first third-party data platforms registered by the target customer based on the type of the third-party data platform;

[0098] Filter out the second- and third-party data platforms that have business interactions with target customers within a preset period, and use the data source of each second- and third-party data platform to determine the target customers’ third-party data access information source.

[0099] In this embodiment, the data reference basis is represented by the data reference required for credit assessment of the target customer;

[0100] In this embodiment, the third-party data platform type refers to the type of third-party platform for collecting target customer data.

[0101] The beneficial effect of the above technical solution is that it can quickly exclude third-party data platforms that are not related to the target customers, thereby accurately determining the target customers' third-party data access information sources, further improving work efficiency and stability.

[0102] In one embodiment, Figure 3 As shown, after the target customer authorizes the unauthorized third-party data access information source and before retrieving the target customer's special customer data from the multiple third-party data access information sources, the method further includes:

[0103] Step S301, obtaining a resource link of each unauthorized third-party data access information source;

[0104] Step S302: Generate an authorization request for each unauthorized third-party data access information source according to each resource link;

[0105] Step S303: Send each authorization request to the mobile phone terminal of the target customer, authenticate the current operator of the mobile phone terminal, and selectively display each authorization request according to the authentication result;

[0106] Step S304: receiving a feedback instruction from the target customer for each authorization request, and adaptively authorizing the unauthorized third-party data access information source according to the feedback instruction.

[0107] The beneficial effects of the above technical solution are: by authenticating the current operator of the mobile phone terminal, the target customer's authority security can be effectively guaranteed, and then its private customer data can be guaranteed not to be leaked, thereby improving data security and privacy. Furthermore, by adaptively authorizing unauthorized third-party data access information sources according to the target customer's feedback instructions for each authorization request, customer data can be obtained according to the customer's wishes based on the authorized platform, thereby improving the target customer's experience.

[0108] In one embodiment, after the target customer authorizes the unauthorized third-party data access information source, retrieving the target customer's special customer data from the plurality of third-party data access information sources includes:

[0109] Determine the special data to be retrieved for the target customer based on the identity information and pending business information of the target customer;

[0110] Generate an information source subscription request according to the special data to be retrieved;

[0111] Sending the information source subscription request to the third-party data platform corresponding to each third-party data access information source to obtain access rights;

[0112] After obtaining access rights, the target customer's specific customer data is retrieved from the plurality of third-party data access information sources.

[0113] The beneficial effects of the above technical solution are: single data can be retrieved according to the business needs of target customers, without the need to retrieve all user data of the target customers, thus reducing the amount of data retrieval, avoiding the impact of useless customer data, improving data retrieval efficiency and further improving practicality.

[0114] In one embodiment, the step of detecting the authorization credentials of each third-party data access information source and determining the unauthorized third-party data access information source and the authorized third-party data access information source according to the detection result includes:

[0115] Determine the authentication information template required for the authorized credit credential, send the authentication information template to the target customer's mobile phone terminal and receive the target authentication information fed back by the target customer;

[0116] Obtain the target customer's transaction voucher information on each third-party data platform where the third-party data access information source is located;

[0117] Feedback the target authentication information and transaction credential information to each third-party data platform to determine whether the third-party data platform has the target customer's authorized credit credential;

[0118] Conduct data access testing on the target third-party data access information source of the target third-party data platform with the authorized credit credentials of the target customer, and determine the unauthorized third-party data access information source and the authorized third-party data access information source based on the test results.

[0119] The beneficial effects of the above technical solution are: by checking the target third-party data platforms with the authorized credit credentials of the target customers, it is possible to accurately determine which third-party data platforms' customer data are of reference value, further improving work efficiency and practicality; further, by conducting data access tests, the customer data calling permissions of each third-party data platform can be quickly and intuitively determined, further improving practicality.

[0120] In one embodiment, the method further comprises:

[0121] Obtain usage scores and resource pool data quantification accuracy of each third-party data platform;

[0122] Conduct authoritative assessment of each third-party data platform based on the usage score and resource pool data quantification accuracy, and obtain assessment results;

[0123] According to the above consideration results, the first third-party data platforms that fail to meet the standards and the second third-party data platforms that meet the standards are counted;

[0124] The first special customer data corresponding to the first third-party data platform shall be used as the basic reference data, and the second special customer data corresponding to the second third-party data platform shall be used as the core reference data.

[0125] The beneficial effect of the above technical solution is that the authority of each third-party data platform can be intuitively evaluated, thereby indirectly determining the reference value of the customer data provided by each third-party data platform, so that valuable customer data can be given priority reference when making subsequent decisions, further improving work efficiency and practicality.

[0126] In one embodiment, the method further comprises:

[0127] Acquire multiple predetermined related features of the pending business information and a weight value of each predetermined related feature;

[0128] Extracting a correlation index of each predetermined relevant feature in the special customer data according to the plurality of predetermined relevant features;

[0129] Sorting all associated indicators based on the weight value of each predetermined related feature to obtain a sorting result;

[0130] Evaluate the degree of fit of the target customer with respect to the business information to be processed according to the indicator value of each associated indicator in the sorting result;

[0131] Confirm whether the degree of fit is greater than or equal to a preset threshold. If so, confirm that the target customer's special customer data meets the standard. If not, confirm that the target customer's special customer data does not meet the standard.

[0132] The beneficial effect of the above technical solution is that it can quickly make business compliance judgments on the target customer's data-related indicators based on business-related characteristics, thereby accurately determining whether the target customer meets the credit indicators corresponding to its business needs, thereby improving the accuracy and efficiency of the judgment.

[0133] In one embodiment, the method further comprises:

[0134] Archive the special customer data of target customers;

[0135] Determine the credit capacity value of the target customer based on the special customer data;

[0136] Recommend suitable credit services to target customers based on the credit capacity value.

[0137] The beneficial effect of the above technical solution is that it can intelligently recommend credit services that match the ability values ​​of target customers, further improving the target customers' experience and practicality.

[0138] In this embodiment, determining the credit capacity value of the target customer according to the special customer data includes:

[0139] Acquire the target customer's third-party credit time series unstructured data based on the special customer data;

[0140] Extracting data features of the third-party credit time series unstructured data, and constructing a credit map of the target customer based on the data features based on a preset deep learning model;

[0141] Determine the credit product binding relationship of the target customer according to the credit map, and evaluate the future capital liquidity trend of the target customer based on the credit product binding relationship;

[0142] Determine multiple fund transfer points based on fund liquidity trends, and configure target customers' disposable credit business based on multiple fund transfer points;

[0143] The business parameters of the available credit business are obtained, and the business parameters are analyzed to determine the credit capacity value of the target customer.

[0144] In this embodiment, the third-party credit time series unstructured data is represented as the target customer's credit time series data on the third-party platform;

[0145] In this embodiment, the credit map is represented by the target customer's usage map of credit products;

[0146] In this embodiment, the future fund liquidity trend is represented by the target customer's own fund flow trend under the current credit product used;

[0147] In this embodiment, the fund transfer point is represented as the target customer's fund fluctuation transfer point;

[0148] In this embodiment, the business parameters are represented by specific parameters such as the business credit limit and credit cycle of the disposable credit business;

[0149] In this embodiment, the credit capacity value is expressed as an evaluation value of the maximum credit capacity of the target customer.

[0150] The beneficial effects of the above technical solution are: it can intuitively construct a credit map of the target customer and then evaluate his disposable economic capacity, thereby reasonably screening out his disposable credit business and finally determining the credit capacity value, so that the evaluation result is more in line with the actual situation of the target customer and improves the objectivity of the evaluation result.

[0151] In one embodiment, determining the target customer's to-be-retrieved special data according to the target customer's identity information and the to-be-retrieved business information includes:

[0152] Determine the purpose of data use and multiple data sources based on the target customer's identity information and pending business information;

[0153] Encrypt non-public data in each data source based on the purpose of data use;

[0154] Number the complete data in each data source to obtain multiple numbered data;

[0155] Determine the filtering attribute of each numbered data, and determine the filtering status of each numbered data according to the preset filtering rules based on the filtering attribute of each numbered data;

[0156] Analyze the filtering situation of each number, and determine the filtering probability of each number data according to the analysis result;

[0157] Select to filter the target number data with the filtering probability above the preset probability in each data source;

[0158] Use the preset data cleaning model to clean the target number data of each data source to obtain multiple cleaned data sources;

[0159] Determine the relevant condition parameters corresponding to the business information to be processed, and determine the data acquisition object in each cleaned data source according to the relevant condition parameters;

[0160] Extract the data objects in each cleaned data source and integrate them to generate special data to be retrieved for target customers.

[0161] The beneficial effect of the above technical solution is: by filtering out useless data in the data source, the data quality and data stability of the special data to be retrieved for the target customers can be guaranteed, laying the foundation for subsequent business processing and further improving practicality.

[0162] This embodiment also discloses a customer data calling system of a third-party data information platform, such as Figure 4 As shown, the system includes:

[0163] The acquisition module 401 is used to acquire the identity information and pending business information of the target customer;

[0164] A determination module 402, for determining multiple third-party data access information sources for a target customer based on the identity information and the pending business information;

[0165] A detection module 403 is used to detect the authorization credentials of each third-party data access information source, and determine the unauthorized third-party data access information source and the authorized third-party data access information source according to the detection result;

[0166] The retrieval module 404 is used to retrieve the target customer's special customer data from the multiple third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source.

[0167] The working principle and beneficial effects of the above technical solution have been described in the method claims and will not be repeated here.

[0168] Other embodiments of the present disclosure will be readily apparent to those skilled in the art after considering the specification and practicing the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The specification and examples are to be considered exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0169] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A method for calling customer data of a third-party data information platform, characterized in that: The following steps are involved: Obtain target customers’ identity information and pending business information; Determine multiple third-party data access information sources for the target customer based on the identity information and the pending business information; Detect the authorization credentials of each third-party data access information source, and determine the third-party data access information source without permission and the third-party data access information source with permission based on the detection results; After the target customer authorizes the unauthorized third-party data access information source, retrieve the target customer's special customer data from the multiple third-party data access information sources; The method further comprises: Acquire multiple predetermined related features of the pending business information and a weight value of each predetermined related feature; Extracting a correlation index of each predetermined relevant feature in the special customer data according to the plurality of predetermined relevant features; Sorting all associated indicators based on the weight value of each predetermined related feature to obtain a sorting result; Evaluate the degree of fit of the target customer with respect to the business information to be processed according to the indicator value of each associated indicator in the sorting result; Confirm whether the degree of fit is greater than or equal to a preset threshold, if so, confirm that the target customer's special customer data meets the standard, if not, confirm that the target customer's special customer data does not meet the standard; The method further comprises: Archive the special customer data of target customers; Determine the credit capacity value of the target customer based on the special customer data; Recommending suitable credit services to target customers based on the credit capacity value; Determine the credit capacity value of the target customer based on the special customer data, including: Acquire the target customer's third-party credit time series unstructured data based on the special customer data; Extracting data features of the third-party credit time series unstructured data, and constructing a credit map of the target customer based on the data features based on a preset deep learning model; Determine the credit product binding relationship of the target customer according to the credit map, and evaluate the future capital liquidity trend of the target customer based on the credit product binding relationship; Determine multiple fund transfer points based on fund liquidity trends, and configure target customers' disposable credit business based on multiple fund transfer points; Obtaining business parameters of available credit business, and analyzing the business parameters to determine the credit capacity value of the target customer; The step of retrieving the target customer's special customer data from the plurality of third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source includes: Determine the special data to be retrieved for the target customer based on the identity information and pending business information of the target customer; Generate an information source subscription request according to the special data to be retrieved; Sending the information source subscription request to the third-party data platform corresponding to each third-party data access information source to obtain access rights; After obtaining the access rights, retrieve the target customer's special customer data from the multiple third-party data access information sources; The determining of the target customer's to-be-retrieved special data according to the target customer's identity information and the to-be-retrieved business information includes: Determine the purpose of data use and multiple data sources based on the target customer's identity information and pending business information; Encrypt non-public data in each data source based on the purpose of data use; Number the complete data in each data source to obtain multiple numbered data; Determine the filtering attribute of each numbered data, and determine the filtering status of each numbered data according to the preset filtering rules based on the filtering attribute of each numbered data; Analyze the filtering situation of each number, and determine the filtering probability of each number data according to the analysis result; Select to filter the target number data with the filtering probability above the preset probability in each data source; Use a preset data cleaning model to clean the target number data in each data source to obtain multiple cleaned data sources; Determine the relevant condition parameters corresponding to the business information to be processed, and determine the data acquisition object in each cleaned data source according to the relevant condition parameters; Extract the data objects in each cleaned data source and integrate them to generate special data to be retrieved for target customers.

2. The method for calling customer data of the third-party data information platform according to claim 1, characterized in that: The obtaining of the target customer's identity information and pending business information includes: Receiving a business processing request from a target customer, and providing the target customer with a plurality of optional business items according to the business processing request; Acquire the target business item selected by the target customer, and determine the target customer's pending business information based on the target business item and the material information provided by the target customer; Acquire the first identity information of the target customer according to the business processing request, perform integrity check on the first identity information, and determine items to be completed according to the check result; Acquire the target customer's improvement content for the item to be improved, and fill the improvement content into the first identity information to obtain the second identity information.

3. The method for calling customer data of the third-party data information platform according to claim 1, characterized in that: The determining of multiple third-party data access information sources for the target customer based on the identity information and the pending business information includes: Determine the data reference basis based on the identity information and the pending business information; Determine the type of third-party data platform based on the data reference; Filtering out multiple first third-party data platforms registered by the target customer based on the type of the third-party data platform; Filter out the second- and third-party data platforms that have business interactions with target customers within a preset period, and use the data source of each second- and third-party data platform to determine the target customers’ third-party data access information source.

4. The method for calling customer data of the third-party data information platform according to claim 1, characterized in that: After the target customer authorizes the unauthorized third-party data access information source, before retrieving the target customer's special customer data from the plurality of third-party data access information sources, the method further includes: Obtain resource links for each unauthorized third-party data access information source; Generate authorization request for each unauthorized third-party data access information source based on each resource link; Send each authorization request to the target customer's mobile terminal, authenticate the current operator of the mobile terminal, and selectively display each authorization request based on the verification result; Receive feedback instructions from the target customer for each authorization request, and adaptively authorize the unauthorized third-party data access information source according to the feedback instructions.

5. The method for calling customer data of the third-party data information platform according to claim 1, characterized in that: The step of detecting the authorization credit certificate of each third-party data access information source and determining the third-party data access information source without permission and the third-party data access information source with permission according to the detection result includes: Determine the authentication information template required for the authorized credit credential, send the authentication information template to the target customer's mobile phone terminal and receive the target authentication information fed back by the target customer; Obtain the target customer's transaction voucher information on each third-party data platform where the third-party data access information source is located; Feedback the target authentication information and transaction credential information to each third-party data platform to determine whether the third-party data platform has the target customer's authorized credit credential; Conduct data access testing on the target third-party data access information source of the target third-party data platform with the authorized credit credentials of the target customer, and determine the unauthorized third-party data access information source and the authorized third-party data access information source based on the test results.

6. The method for calling customer data of the third-party data information platform according to claim 1, characterized in that: The method further comprises: Obtain usage scores and resource pool data quantification accuracy of each third-party data platform; Conduct authoritative assessment of each third-party data platform based on the usage score and resource pool data quantification accuracy, and obtain assessment results; According to the above consideration results, the first third-party data platforms that fail to meet the standards and the second third-party data platforms that meet the standards are counted; The first special customer data corresponding to the first third-party data platform shall be used as the basic reference data, and the second special customer data corresponding to the second third-party data platform shall be used as the core reference data.

7. A customer data calling system of a third-party data information platform, characterized in that: The system includes: The acquisition module is used to obtain the identity information and pending business information of the target customer; A determination module, used to determine multiple third-party data access information sources for a target customer based on the identity information and the pending business information; A detection module, used to detect the authorization credit certificate of each third-party data access information source, and determine the third-party data access information source without permission and the third-party data access information source with permission according to the detection result; A retrieval module, used to retrieve the target customer's special customer data from the multiple third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source; The system is also used to: Acquire multiple predetermined related features of the pending business information and a weight value of each predetermined related feature; Extracting a correlation index of each predetermined relevant feature in the special customer data according to the plurality of predetermined relevant features; Sorting all associated indicators based on the weight value of each predetermined related feature to obtain a sorting result; Evaluate the degree of fit of the target customer with respect to the business information to be processed according to the indicator value of each associated indicator in the sorting result; Confirm whether the degree of fit is greater than or equal to a preset threshold, if so, confirm that the target customer's special customer data meets the standard, if not, confirm that the target customer's special customer data does not meet the standard; The system is also used to: Archive the special customer data of target customers; Determine the credit capacity value of the target customer based on the special customer data; Recommending suitable credit services to target customers based on the credit capacity value; Determine the credit capacity value of the target customer based on the special customer data, including: Acquire the target customer's third-party credit time series unstructured data based on the special customer data; Extracting data features of the third-party credit time series unstructured data, and constructing a credit map of the target customer based on the data features based on a preset deep learning model; Determine the credit product binding relationship of the target customer according to the credit map, and evaluate the future capital liquidity trend of the target customer based on the credit product binding relationship; Determine multiple fund transfer points based on fund liquidity trends, and configure target customers' disposable credit business based on multiple fund transfer points; Obtaining business parameters of available credit business, and analyzing the business parameters to determine the credit capacity value of the target customer; The step of retrieving the target customer's special customer data from the plurality of third-party data access information sources after the target customer authorizes the unauthorized third-party data access information source includes: Determine the special data to be retrieved for the target customer based on the identity information and pending business information of the target customer; Generate an information source subscription request according to the special data to be retrieved; Sending the information source subscription request to the third-party data platform corresponding to each third-party data access information source to obtain access rights; After obtaining the access rights, retrieve the target customer's special customer data from the multiple third-party data access information sources; The determining of the target customer's to-be-retrieved special data according to the target customer's identity information and the to-be-retrieved business information includes: Determine the purpose of data use and multiple data sources based on the target customer's identity information and pending business information; Encrypt non-public data in each data source based on the purpose of data use; Number the complete data in each data source to obtain multiple numbered data; Determine the filtering attribute of each numbered data, and determine the filtering status of each numbered data according to the preset filtering rules based on the filtering attribute of each numbered data; Analyze the filtering situation of each number, and determine the filtering probability of each number data according to the analysis result; Select to filter the target number data with the filtering probability above the preset probability in each data source; Use a preset data cleaning model to clean the target number data in each data source to obtain multiple cleaned data sources; Determine the relevant condition parameters corresponding to the business information to be processed, and determine the data acquisition object in each cleaned data source according to the relevant condition parameters; Extract the data objects in each cleaned data source and integrate them to generate special data to be retrieved for target customers.

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