Payment data joint construction method, device, electronic device and storage medium

Abstract

The present application relates to the technical field related to data processing, and specifically to a method, device, electronic device, and storage medium for joint construction of payment data. The method comprises: sending identity card information to a plurality of pre-set payment institutions; obtaining bank card information corresponding to the identity card information and transmitted back by each payment institution; integrating the bank card information to obtain a correspondence between the identity card information and the bank card information; sending the correspondence to the plurality of payment institutions; the payment institutions determining the financial statistical information corresponding to the identity card information based on the correspondence; obtaining the financial statistical information transmitted back by each payment institution; and obtaining the credit information corresponding to the identity card information based on the financial statistical information. This allows the person-card relationship to be supplemented with credit information that more completely reflects the customer profile.

Description

Technical Field

[0001] The present application relates to the technical field related to data processing, and specifically to a payment data joint construction method, device, electronic device and storage medium. Background Art

[0002] A credit reporting agency initiates a data interface call request with the ID number as the input parameter. Each payment company matches all bank cards associated with the ID number in the person-card relationship table based on the ID number and returns the bank card number to the credit reporting agency. The credit reporting agency performs deduplication processing and then returns all the bank card numbers matching the ID number to each payment company. The transaction flow data of these bank cards is then filtered out from the card transaction flow table of each company, and the flow data is calculated to obtain the value of the required variable.

[0003] However, due to the particularity of payment services, the coverage of person-card relationships is insufficient, and many people’s cards cannot be linked, resulting in low data coverage. Summary of the Invention

[0004] In view of this, the embodiments of the present application are dedicated to providing a payment data joint construction method, device, electronic device and storage medium.

[0005] This application provides a payment data joint construction method, which is applied to credit reporting agencies, including:

[0006] Send ID card information to multiple preset payment institutions;

[0007] Obtain the bank card information corresponding to the ID card information returned by each payment institution;

[0008] Integrate the bank card information to obtain a corresponding relationship between the ID card information and the bank card information;

[0009] Sending the corresponding relationship to the multiple payment institutions; the payment institutions are configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship;

[0010] Obtain financial statistical information sent back by various payment institutions;

[0011] Based on the financial statistical information, the credit information corresponding to the identity card information is obtained.

[0012] In one embodiment, determining the financial statistical information corresponding to the identity card information based on the corresponding relationship includes:

[0013] Obtaining transaction flow data corresponding to the ID card information;

[0014] Summarize the financial statistical information of the transaction flow data.

[0015] In one embodiment, the dimensions of the financial statistical information include: statistical duration, merchant type, transaction success, transaction type, and statistical amount;

[0016] The merchant types include: loan, financial management, insurance, and mixed institutions;

[0017] The transaction types include: transfer-in and transfer-out;

[0018] The statistics include total amount, total number of transactions, maximum value, and minimum value.

[0019] This application provides a payment data joint construction method, which is applied to payment institutions and includes:

[0020] Obtain ID card information sent by the preset credit reporting agency;

[0021] Determine the bank card information corresponding to the ID card information and transmit it back to the credit reporting agency; wherein the credit reporting agency is used to integrate the bank card information transmitted back by various payment institutions, obtain the correspondence between the ID card information and the bank card information, and transmit the correspondence to the payment institution;

[0022] receiving the corresponding relationship;

[0023] Determining the financial statistical information corresponding to the identity card information based on the corresponding relationship;

[0024] Sending the financial statistical information to the credit reporting agency;

[0025] The credit reporting agency is used to obtain the credit information corresponding to the identity card information based on the financial statistical information.

[0026] In one embodiment, determining the financial statistical information corresponding to the identity card information based on the corresponding relationship includes:

[0027] Obtaining transaction flow data corresponding to the ID card information;

[0028] Summarize the financial statistical information of the transaction flow data.

[0029] In one embodiment, the dimensions of the financial statistical information include: statistical duration, merchant type, transaction success, transaction type, and statistical amount;

[0030] The merchant types include: loan, financial management, insurance, and mixed institutions;

[0031] The transaction types include: transfer-in and transfer-out;

[0032] The statistics include total amount, total number of transactions, maximum value, and minimum value.

[0033] This application provides a payment data joint construction device, including:

[0034] A first sending module, configured to send identity card information to a plurality of preset payment institutions;

[0035] The first acquisition module is used to obtain the bank card information corresponding to the identity card information sent back by each payment institution;

[0036] An integration module, configured to integrate the bank card information and obtain a corresponding relationship between the identity card information and the bank card information;

[0037] A first sending module is configured to send the corresponding relationship to the multiple payment institutions; the payment institutions are configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship;

[0038] The first acquisition module is further used to obtain financial statistical information sent back by each payment institution;

[0039] The integration module is further configured to obtain the credit information corresponding to the identity card information based on the financial statistical information.

[0040] This application provides a payment data joint construction device, including:

[0041] The second acquisition module is used to obtain the ID card information sent by the preset credit reporting agency;

[0042] a determination module, configured to determine the bank card information corresponding to the ID card information and transmit the information back to the credit reporting agency; wherein the credit reporting agency is configured to integrate the bank card information transmitted back by various payment institutions, obtain a correspondence between the ID card information and the bank card information, and transmit the correspondence to the payment institution;

[0043] A receiving module, configured to receive the corresponding relationship;

[0044] A determination module, configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship;

[0045] A second sending module, configured to send the financial statistical information to the credit reporting agency;

[0046] The credit reporting agency is used to obtain the credit information corresponding to the identity card information based on the financial statistical information.

[0047] The present application provides an electronic device, comprising:

[0048] A processor, and a memory for storing a program executable by the processor;

[0049] The processor is configured to implement the payment data joint construction method as described above by running the program in the memory.

[0050] The present application provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the processor is enabled to execute the payment data joint construction method as described above.

[0051] This application provides a method for jointly building payment data. The method includes first sending ID card information to multiple pre-defined payment institutions; obtaining bank card information corresponding to the ID card information from each payment institution; integrating the bank card information to obtain a correspondence between the ID card information and the bank card information; and sending the correspondence to the multiple payment institutions. The payment institutions are configured to determine financial statistical information corresponding to the ID card information based on the correspondence; obtaining the financial statistical information from each payment institution; and obtaining credit information corresponding to the ID card information based on the financial statistical information. In the solution provided by this application, by sending ID card information to multiple payment institutions and obtaining the bank card information they receive back, data from different payment institutions can be quickly integrated, improving data processing efficiency. Integrating data from different payment institutions can cover a wider range of payment behaviors, ensuring that no relevant bank card information is missed, thereby obtaining more comprehensive customer payment behavior data. Based on the integrated bank card information and financial statistical information, a customer's credit risk can be more accurately assessed, providing financial institutions with a more reliable basis for risk management. The integrated financial statistical information helps build a more complete customer profile, including multi-dimensional information such as consumption habits and payment preferences, supporting marketing and customer relationship management. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] The above and other purposes, features, and advantages of the present application will become more apparent through a more detailed description of the embodiments of the present application in conjunction with the accompanying drawings. The accompanying drawings are intended to provide a further understanding of the embodiments of the present application and constitute a part of the specification. Together with the embodiments of the present application, they are used to explain the present application and do not constitute a limitation of the present application. In the drawings, the same reference numerals generally represent the same components or steps.

[0053] Figure 1 It is a flowchart of a payment data joint construction method provided in one embodiment of the present application.

[0054] Figure 2 This is a schematic diagram of the integrated person-card correspondence provided by an embodiment of the present application.

[0055] Figure 3 This is an embodiment of the present application providing a schematic diagram of underlying data.

[0056] Figure 4 It is a flowchart of a payment data joint construction method provided in one embodiment of the present application.

[0057] Figure 5 It is a structural diagram of a payment data joint construction device provided by an embodiment of the present application.

[0058] Figure 6 It is a structural diagram of a payment data joint construction device provided by an embodiment of the present application.

[0059] Figure 7 This is a schematic diagram of the structure of an electronic device provided by an embodiment of the present application. DETAILED DESCRIPTION

[0060] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. All other embodiments obtained by ordinary technicians in this field based on the embodiments of the present invention without making any creative efforts shall fall within the scope of protection of the present invention.

[0061] Application Overview

[0062] A credit reporting agency initiates a data interface call request with the ID number as the input parameter. Each payment company matches all bank cards associated with the ID number in the person-card relationship table based on the ID number and returns the bank card number to the credit reporting agency. The credit reporting agency performs deduplication processing and then returns all the bank card numbers matching the ID number to each payment company. The transaction flow data of these bank cards is then filtered out from the card transaction flow table of each company, and the flow data is calculated to obtain the value of the required variable.

[0063] After each payment institution calculates all variables, it sends the results back to the credit reporting agency, which then integrates the variables of several payment companies.

[0064] However, in practice, due to the specific nature of payment services, the user-card relationship is insufficiently covered. Many people cannot be linked, resulting in low data coverage. Furthermore, due to the diverse services provided by payment companies, each can only support partial user behavior data, failing to fully reflect the true customer profile. The varying technical and data product processing capabilities of various payment companies result in varying data and product quality.

[0065] In order to solve the above problems, the present application provides a solution, which first sends ID card information to a plurality of preset payment institutions; obtains bank card information corresponding to the ID card information returned by each payment institution; integrates the bank card information to obtain the corresponding relationship between the ID card information and the bank card information; sends the corresponding relationship to the plurality of payment institutions; the payment institutions are used to determine the financial statistical information corresponding to the ID card information based on the corresponding relationship; obtains the financial statistical information returned by each payment institution; and obtains the credit information corresponding to the ID card information based on the financial statistical information. In the solution provided by the present application, the person-card relationship is supplemented through two transmissions. First, the credit institution transmits the ID card number to each payment company, and each payment company returns its associated bank card. The credit institution performs deduplication and returns all the bank cards to each payment company. The person-card relationship of each payment company is supplemented. Through payment co-construction, the customer portrait can be more completely reflected, because each payment business has different focuses and transaction flows will not be repeated.

[0066] After introducing the basic principles of the present application, various non-limiting embodiments of the present application will be described in detail with reference to the accompanying drawings.

[0067] Exemplary Methods

[0068] Figure 1 This is a flow chart of a payment data joint construction method provided by an embodiment of the present application. Figure 1 As shown, the method includes the following contents.

[0069] Step S110, sending ID card information to multiple preset payment institutions;

[0070] Among them, the preset multiple payment institutions refer to payment service providers that have been determined in advance to participate in data co-construction, such as Alipay and WeChat Pay. ID card information includes: information on legal documents used to identify personal identity, which usually may include name, ID card number, etc. In the solution provided in this application, ID card number can be used to better confirm identity. The credit reporting agency sends the customer's ID card information to the preset multiple payment institutions. This step is the starting point of the entire process and its purpose is to initiate the data collection process.

[0071] Step S120, obtaining bank card information corresponding to the ID card information sent back by each payment institution;

[0072] Specifically, bank card information refers to bank card data associated with ID card information, which may include card number, account type, bank account opening bank, etc. After receiving the ID card information, each payment institution searches its database to find all bank card information associated with the ID card information. The payment institution then transmits this bank card information back to the credit reporting agency.

[0073] Step S130, integrating the bank card information to obtain a correspondence between the ID card information and the bank card information;

[0074] Integration refers to the process of aggregating, cleaning, and standardizing data from various sources to form a unified dataset. Correspondence is used to indicate the connection between ID card information and bank card information, ensuring data consistency and accuracy. Specifically, credit reporting agencies integrate bank card information received from various payment institutions. This step may include deduplication, data cleaning, and standardization to ensure the accuracy and consistency of bank card information.

[0075] Step S140: sending the corresponding relationship to the multiple payment institutions; the payment institutions are configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship;

[0076] Specifically, the credit reporting agency sends the correspondence between the integrated bank card information and the ID card information back to each payment institution. The purpose of sending the correspondence is to ensure that the payment institution can accurately determine financial statistics based on this information.

[0077] Step S150: Obtain financial statistical information sent back by each payment institution;

[0078] Based on the received correspondence, the payment institution extracts the financial statistical information related to the ID card information from its transaction flow data and transmits it back.

[0079] Step S160: obtaining the credit information corresponding to the ID card information based on the financial statistical information.

[0080] Credit reporting agencies collect and integrate financial statistical information from various payment institutions. Based on this statistical information, they further analyze and process it to generate credit information corresponding to each ID card. Credit information typically includes credit scores, credit history, and credit behavior patterns, and is crucial for financial institutions to assess a customer's creditworthiness.

[0081] The solution provided in this application supplements the person-card relationship through two transmissions. First, the credit reporting agency transmits the ID number to each payment company, and each payment company returns its associated bank card. The credit reporting agency deduplicates and returns all bank cards to each payment company. The person-card relationship of each payment company is supplemented; through payment co-construction, the customer portrait can be reflected more completely, because each payment business has different focuses and transaction flows will not be repeated.

[0082] In one embodiment, determining the financial statistical information corresponding to the identity card information based on the corresponding relationship includes:

[0083] Obtaining transaction flow data corresponding to the identity card information; summarizing financial statistical information of the transaction flow data;

[0084] Transaction flow data: This is detailed information about each transaction recorded in the payment institution's database, including transaction time, amount, parties involved, and transaction results. The collected transaction flow data is classified and calculated according to specific standards and dimensions to form financial statistical information. Financial statistical information is extracted from transaction flow data and is used to assess key indicators of an individual or business's financial activities and credit status. Specifically, the dimensions of this financial statistical information include: statistical duration, merchant type, transaction success, transaction type, and statistical quantity. Merchant types include: loan, wealth management, insurance, and mixed institutions; transaction types include: inbound and outbound transfers; and statistical quantities include: total amount, total number of transactions, maximum and minimum values. It should be noted that financial statistical information includes transaction flow data. The statistical duration refers to the time period covered by the statistical data, such as the last 7 days, 30 days, 90 days, 180 days, or 360 days.

[0085] Merchant Type: The industry classification of the merchant involved in the transaction, which affects the nature of the transaction and risk assessment. Specifically, merchant type classifications may include: Lending: Financial institutions that provide lending services, such as banks and microfinance companies. Wealth Management: Institutions that provide wealth management products and asset management services, such as fund companies and securities companies. Insurance: Companies that provide insurance products and risk protection services, such as life insurance companies and property and casualty insurance companies. Hybrid: Institutions that provide multiple financial services, including loans, wealth management, insurance, and other businesses.

[0086] Whether the transaction is successful: The status of the transaction completion, divided into success or failure, has a significant impact on credit assessment.

[0087] Transaction Type: The category of the transaction, such as incoming (income) and outgoing (expense).

[0088] Statistics: Specific statistical indicators, such as total amount, total number of transactions, maximum transaction amount, minimum transaction amount, etc. Among them, total amount: the sum of the amounts of all incoming and outgoing transactions within a specific statistical period. This indicator can reflect the scale of capital flow of an individual or enterprise within a certain period of time. Total number of transactions: the number of all incoming and outgoing transactions within a specific statistical period. This indicator can reflect the frequency and activity of transactions. Maximum value: the maximum amount of a single transaction within a specific statistical period. This indicator helps to identify large transactions and may be important for risk assessment. Minimum value: the minimum amount of a single transaction within a specific statistical period. This indicator helps to understand the minimum size of a transaction and may be helpful in analyzing transaction patterns.

[0089] Among them, the credit reporting agency is used to obtain the credit information corresponding to the ID card information based on the financial statistical information. In this way, in the solution provided by this application, by sending ID card information to multiple payment institutions and obtaining the bank card information sent back, data from different payment institutions can be quickly integrated to improve the efficiency of data processing. Integrating data from different payment institutions can cover a wider range of payment behaviors, ensuring that no relevant bank card information is missed, thereby obtaining more comprehensive customer payment behavior data. Based on the integrated bank card information and financial statistical information, the customer's credit risk can be more accurately assessed, providing financial institutions with a more reliable risk management basis. The integrated financial statistical information helps to build a more complete customer portrait, including multi-dimensional information such as consumption habits and payment preferences, to provide support for marketing and customer relationship management.

[0090] Furthermore, determining the financial statistical information corresponding to the ID card information based on the corresponding relationship includes: obtaining transaction flow data corresponding to the ID card information; and summarizing the financial statistical information of the transaction flow data. Dimensions of the financial statistical information include: statistical duration, merchant type, transaction success, transaction type, and statistical quantity. Merchant types include: loan, wealth management, insurance, and mixed institutions; transaction types include: transfer-in and transfer-out; and statistical quantities include: total amount, total number of transactions, maximum value, and minimum value.

[0091] In some embodiments, the financial statistical information includes transaction flow data. Specifically, each payment institution can directly transmit transaction flow data to a credit reporting agency, which then aggregates and analyzes the data to generate credit information. This arrangement allows the credit reporting agency to obtain the most complete raw data and conduct its own analysis based on the raw data, resulting in more accurate results.

[0092] The solution provided in this application solves the problem of insufficient person-card relationships in various payment companies, and the inability to match some transaction flows to people. The present invention supplements the person-card correspondence, and some bank cards that are not associated with ID numbers have their relationships supplemented in this invention, thereby improving data coverage. It also solves the problem of one-sided customer portraits. The businesses involved in each payment company have different focuses and cannot fully reflect people's payment behavior. Each ID number is involved in different businesses and transaction flows in different payment companies. The present invention integrates the data of various payment companies to more completely reflect customer portraits. At the same time, using the same set of standards to formulate variables ensures product quality.

[0093] It should be noted that in actual applications, the application scenarios are as follows: a customer initiates a credit application to a bank, mutual finance, consumer finance or other financial institution, or a financial institution has an inquiry demand, and the financial institution then transmits the ID number to the credit reporting agency to initiate an authorization query. Next, the credit reporting agency inquires about the person-card relationship with the payment institution, and the payment institution returns the bank card number corresponding to the ID number. The credit reporting agency deduplicates the bank card and sends the bank card number to the payment institution for feature query. The payment institution then returns the statistical variables of the card dimension. The credit reporting agency sums, takes the maximum, and takes the minimum of the statistical variables returned by each institution to generate a credit product and returns it to the financial institution.

[0094] Further, refer to Figure 2 The solution provided in this application can achieve the following effect: For example, if a certain ID number originally had 10 cards linked to it through Yeebao, 6 through Yinshang, and 4 through CICC, the data would be sent to a credit reporting agency for integration and deduplication, resulting in a total of 12 cards. This data would then be returned to the various payment institutions for replenishment. Yeebao would find 11 of these 12 cards, Yinshang would find 10, and CICC would find 8. Thus, the previously unmatched bank cards would be linked to the ID number, and the card databases of the various payment institutions would be replenished. (Yebao, Yinshang, and CICC are all payment institution names).

[0095] Specifically, refer to Figure 3 In the solution provided in this application, at the data level of each payment institution, the user-card correspondence table is a table that maps ID cards to bank cards; the card information table contains card information ID, card number, card account type, etc.; the merchant information table contains information such as institution name and industry type; and the card transaction flow table contains information such as payment scenario type, institution number, and card information ID. When a user and a merchant conduct a transaction and initiate a payment to a third-party payment institution, and the third-party payment institution confirms the payment with the merchant, the data generated is stored in these four tables.

[0096] Further, refer to Figure 4 This application also provides a payment data joint construction method, which is applied to payment institutions and includes:

[0097] Step S410, obtaining ID card information sent by a preset credit reporting agency;

[0098] Specifically, the payment institution receives the identity card information sent by the credit reporting agency through a secure communication channel. In some embodiments, encryption technology is generally used to protect the security of personal identity data.

[0099] Step S420: Determine the bank card information corresponding to the ID card information and transmit it back to the credit reporting agency; wherein the credit reporting agency is used to integrate the bank card information transmitted back by each payment institution, obtain the correspondence between the ID card information and the bank card information, and transmit the correspondence to the payment institution;

[0100] Specifically, the payment institution uses its internal database and search algorithm to query the bank card information associated with the received ID card information. This may include matching key fields such as ID card number and name. If a match is successful, the payment institution will securely send the found bank card information back to the credit reporting agency.

[0101] Step S430, receiving the corresponding relationship;

[0102] Payment institutions receive the correspondence between ID cards and bank cards from credit bureaus through their system interfaces. This process typically involves network communication and data parsing to ensure the data is formatted correctly and complete. Specifically, data reception may be accomplished using technologies such as web services, message queues, or direct database interaction.

[0103] Step S440, determining the financial statistical information corresponding to the identity card information based on the corresponding relationship;

[0104] The payment institution uses the received correspondence to query its internal database for all bank card transaction records associated with a specific ID number. The transaction records are then screened and categorized, aggregated, and calculated based on the required financial statistics (e.g., transaction type, timeframe, merchant type, etc.). Specifically, this process may involve SQL queries, data analysis scripts, or the use of big data processing frameworks (such as Hadoop or Spark) to process large datasets.

[0105] Step S450: sending the financial statistical information to the credit reporting agency;

[0106] Payment institutions securely transmit the calculated financial statistics to credit reporting agencies. This typically requires ensuring the security and reliability of data transmission. Specifically, security measures such as encrypted transmission and signature verification may be used to protect data during transmission. Furthermore, data compression techniques can be used to optimize transmission efficiency. In practical applications, data transmission may be carried out using HTTP / HTTPS, FTPS, SFTP, or other secure file transfer protocols.

[0107] In some embodiments, the financial statistical information includes transaction flow data. Specifically, each payment institution can directly transmit transaction flow data to a credit reporting agency, which then aggregates and analyzes the data to generate credit information. This arrangement allows the credit reporting agency to obtain the most complete raw data and conduct its own analysis based on the raw data, resulting in more accurate results.

[0108] Exemplary devices

[0109] The device embodiments of this application can be used to execute the method embodiments of this application. For details not disclosed in the device embodiments of this application, please refer to the method embodiments of this application.

[0110] Figure 5 The block diagram of the payment data joint construction device provided by one embodiment of the present application is shown. Figure 5 As shown, the device includes:

[0111] The first sending module 51 is used to send ID card information to multiple preset payment institutions;

[0112] The first acquisition module 52 is used to obtain the bank card information corresponding to the ID card information sent back by each payment institution;

[0113] An integration module 53 is used to integrate the bank card information to obtain a corresponding relationship between the ID card information and the bank card information;

[0114] A first sending module 51 is configured to send the corresponding relationship to the multiple payment institutions; the payment institutions are configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship;

[0115] The first acquisition module 52 is further configured to acquire financial statistical information sent back by various payment institutions;

[0116] The integration module 53 is further configured to obtain the credit information corresponding to the ID card information based on the financial statistical information.

[0117] Figure 6 The block diagram of the payment data joint construction device provided by one embodiment of the present application is shown. Figure 6 As shown, the device includes:

[0118] The second acquisition module 61 is used to obtain the identity card information sent by the preset credit reporting agency;

[0119] Determination module 62, for determining the bank card information corresponding to the ID card information and transmitting the information back to the credit reporting agency; wherein the credit reporting agency is used to integrate the bank card information transmitted by various payment institutions, obtain the correspondence between the ID card information and the bank card information, and transmit the correspondence to the payment institution;

[0120] A receiving module 63, configured to receive the corresponding relationship;

[0121] A determination module 62, configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship;

[0122] A second sending module 64 is used to send the financial statistical information to the credit reporting agency;

[0123] The credit reporting agency is used to obtain the credit information corresponding to the identity card information based on the financial statistical information.

[0124] Exemplary electronic devices

[0125] Below, reference Figure 7 To describe the electronic device according to the embodiment of the present application. Figure 7 The figure shows a block diagram of an electronic device according to an embodiment of the present application.

[0126] like Figure 7 As shown, electronic device 700 includes one or more processors 710 and memory 720 .

[0127] The processor 710 may be a central processing unit (CPU) or other forms of processing units having data processing capabilities and / or instruction execution capabilities, and may control other components in the electronic device 700 to perform desired functions.

[0128] The memory 720 may include one or more computer program products, which may include various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory. The volatile memory may include, for example, random access memory (RAM) and / or cache memory. The non-volatile memory may include, for example, read-only memory (ROM), a hard disk, flash memory, etc. One or more computer program instructions may be stored on the computer-readable storage medium, and the processor 710 may execute the program instructions to implement the payment data joint construction method of each embodiment of the present application described above and / or other desired functions. The computer-readable storage medium may also store various contents such as category correspondences.

[0129] In one example, the electronic device 700 may further include an input device 730 and an output device 740 , and these components are interconnected via a bus system and / or other forms of connection mechanisms (not shown).

[0130] In addition, the input device 730 may also include, for example, a keyboard, a mouse, an interface, etc. The output device 740 may output various information to the outside, including analysis results, etc. The output device 740 may include, for example, a display, a speaker, a printer, a communication network and its connected remote output device, etc.

[0131] Of course, to simplify, Figure 7 Only some of the components in the electronic device related to the present application are shown, and components such as a bus, an input / output interface, etc. are omitted. In addition, the electronic device may further include any other appropriate components according to specific application scenarios.

[0132] Exemplary computer program products and computer-readable storage media

[0133] In addition to the above-mentioned methods and devices, an embodiment of the present application may also be a computer program product, which includes computer program instructions, which, when executed by a processor, enable the processor to execute the steps of the payment data joint construction method according to various embodiments of the present application described in the above-mentioned "Exemplary Method" section of this specification.

[0134] The computer program product may be written in any combination of one or more programming languages to implement the program code for performing the operations of the embodiments of the present application, including object-oriented programming languages such as Java, C++, and conventional procedural programming languages such as "C" or similar programming languages. The program code may be executed entirely on the user's computing device, partially on the user's computing device, as a standalone software package, partially on the user's computing device and partially on a remote computing device, or entirely on a remote computing device or server.

[0135] In addition, an embodiment of the present application may also be a computer-readable storage medium having computer program instructions stored thereon, which, when executed by a processor, enables the processor to execute the steps of the payment data joint construction method according to various embodiments of the present application described in the above "Exemplary Method" section of this specification.

[0136] The computer-readable storage medium can adopt any combination of one or more readable media. The readable medium can be a readable signal medium or a readable storage medium. The readable storage medium can, for example, include but is not limited to a system, device or component of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination thereof. More specific examples (non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof.

[0137] The above description has been provided for the purpose of illustration and description. Furthermore, this description is not intended to limit the embodiments of the present application to the forms disclosed herein. Although a number of example aspects and embodiments have been discussed above, those skilled in the art will recognize certain variations, modifications, alterations, additions, and sub-combinations thereof.

Claims

1. A payment data joint construction method, characterized in that: Applicable to credit reporting agencies, including: Send ID card information to multiple preset payment institutions; Obtain the bank card information corresponding to the ID card information returned by each payment institution; Integrate the bank card information to obtain a corresponding relationship between the ID card information and the bank card information; Sending the corresponding relationship to the multiple payment institutions; the payment institutions are configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship; Obtain financial statistical information sent back by various payment institutions; Based on the financial statistical information, obtaining credit information corresponding to the identity card information; The determining of the financial statistical information corresponding to the identity card information based on the corresponding relationship includes: Obtaining transaction flow data corresponding to the ID card information; Summarize financial statistical information of the transaction flow data; The dimensions of the financial statistical information include: statistical duration, merchant type, transaction success, transaction type, and statistical amount; The merchant types include: loan, financial management, insurance, and mixed institutions; The transaction types include: transfer-in and transfer-out; The statistics include total amount, total number of transactions, maximum value, and minimum value.

2. The payment data joint construction method according to claim 1, characterized in that: The financial statistical information includes transaction flow data.

3. A payment data joint construction method, characterized in that: Applicable to payment institutions, including: Obtain ID card information sent by the preset credit reporting agency; Determine the bank card information corresponding to the ID card information and transmit it back to the credit reporting agency; wherein the credit reporting agency is used to integrate the bank card information transmitted back by various payment institutions, obtain the correspondence between the ID card information and the bank card information, and transmit the correspondence to the payment institution; receiving the corresponding relationship; Determining the financial statistical information corresponding to the identity card information based on the corresponding relationship; Sending the financial statistical information to the credit reporting agency; The credit reporting agency is used to obtain the credit information corresponding to the identity card information based on the financial statistical information.

4. The payment data joint construction method according to claim 3, characterized in that: The determining of the financial statistical information corresponding to the identity card information based on the corresponding relationship includes: Obtaining transaction flow data corresponding to the ID card information; Summarize financial statistical information of the transaction flow data; The dimensions of the financial statistical information include: statistical duration, merchant type, transaction success, transaction type, and statistical amount; The merchant types include: loan, financial management, insurance, and mixed institutions; The transaction types include: transfer-in and transfer-out; The statistics include total amount, total number of transactions, maximum value, and minimum value.

5. The payment data joint construction method according to claim 4, characterized in that: The financial statistical information includes transaction flow data.

6. A payment data joint construction device, characterized in that: include: A first sending module, configured to send identity card information to a plurality of preset payment institutions; The first acquisition module is used to obtain the bank card information corresponding to the ID card information sent back by each payment institution; An integration module, configured to integrate the bank card information and obtain a corresponding relationship between the identity card information and the bank card information; A first sending module, configured to send the corresponding relationship to the multiple payment institutions; The payment institution is configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship; The first acquisition module is further used to obtain financial statistical information sent back by each payment institution; The integration module is further configured to obtain credit information corresponding to the identity card information based on the financial statistical information; The determining of the financial statistical information corresponding to the identity card information based on the corresponding relationship includes: Obtaining transaction flow data corresponding to the ID card information; Summarize financial statistical information of the transaction flow data; The dimensions of the financial statistical information include: statistical duration, merchant type, transaction success, transaction type, and statistical amount; The merchant types include: loan, financial management, insurance, and mixed institutions; The transaction types include: transfer-in and transfer-out; The statistics include total amount, total number of transactions, maximum value, and minimum value.

7. A payment data joint construction device, characterized in that: include: The second acquisition module is used to obtain the ID card information sent by the preset credit reporting agency; a determination module, configured to determine the bank card information corresponding to the ID card information and transmit the information back to the credit reporting agency; wherein the credit reporting agency is configured to integrate the bank card information transmitted back by various payment institutions, obtain a correspondence between the ID card information and the bank card information, and transmit the correspondence to the payment institution; A receiving module, configured to receive the corresponding relationship; A determination module, configured to determine the financial statistical information corresponding to the identity card information based on the corresponding relationship; A second sending module, configured to send the financial statistical information to the credit reporting agency; The credit reporting agency is used to obtain the credit information corresponding to the identity card information based on the financial statistical information.

8. An electronic device, characterized in that: include: A processor, and a memory for storing a program executable by the processor; The processor is configured to implement the payment data joint construction method according to any one of claims 1 to 5 by running the program in the memory.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, which, when executed by a processor, enables the processor to execute the payment data joint construction method according to any one of claims 1 to 5.

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