Pedestrian credit query reason mapping verification method and system

Abstract

The invention provides a pedestrian credit query reason mapping verification method and system. The method comprises the following steps: sorting to obtain a credit query scene and a query subject type; establishing a matrix mapping relation table corresponding to the query reasons; the matrix mapping table is imported into the preprocessor and takes effect; the business system initiates a credit investigation query application to the preprocessor through the preprocessor query interface; the preprocessor queries the query reason matrix mapping table to generate a premapping result and forwards the premapping result to the middle processor; the middle processor performs snapshot recording on the credit investigation query application and the pre-mapping result, and forwards the credit investigation query application and the pre-mapping result to a credit investigation query system; and the credit investigation query system receives the credit investigation query application and the pre-mapping result through the credit investigation query interface, and obtains a credit investigation report. According to the method, operation risks and system defects caused by manual selection or system hard coding implementation are avoided.

Description

Technical Field

[0001] The present invention relates to a credit inquiry system, and specifically provides a method and system for verifying the mapping of reasons for a credit inquiry by a bank. Background Art

[0002] The People's Bank of China's personal / enterprise credit report (hereinafter referred to as the credit report) is a way to collect, organize, store and process the credit information of natural persons, legal persons and other organizations in accordance with the law. The inquiry reason uploaded when applying for a credit inquiry is not only a necessary collection field for the inquiry application, but also an important credit data collected by the credit report. Once an error is collected, it is difficult to modify. Therefore, the bank has very strict requirements on the accuracy of the determination of the inquiry reason when the customer applies for an inquiry. However, the general credit inquiry system only focuses on identity identification and the acquisition and processing of the inquiry report itself, and leaves the determination of the inquiry reason to the upstream system for processing and uploading. With the extension of related risk verification, the subjects of credit inquiry have expanded from borrowers to spouses, co-borrowers, guarantors, actual controllers of enterprises, legal representatives, senior executives, other related persons, etc. The inquiry scenarios have also extended from the approval stage to various scenarios such as pre-examination, credit approval, adjustment of credit limit, loan issuance, and post-loan for individuals and enterprises. The inquiry reasons in different inquiry subject types and different scenarios are not the same: for example, for a certain loan product A, according to risk control needs, it is necessary to inquire the credit reports of the borrower, spouse and related enterprises of the People's Bank of China respectively in the credit approval, loan issuance and post-loan management stages. The reason for the credit inquiry of the borrower in the loan approval stage is loan approval, and the reason for the inquiry in the post-loan stage is post-loan management. When the spouse is a co-borrower, the reason for the inquiry in the loan approval stage is loan approval. , the inquiry reason of the enterprise as an associated person in the loan and post-loan stage is an associated inquiry; if the spouse or enterprise inquires the credit report of the People's Bank of China as a guarantor, the inquiry reason should be the personal guarantee qualification review and the enterprise's guarantee review. The inquiry reasons of the same inquirer as different inquiry subjects at different stages may be different. It cannot be directly determined based on the identity type of the inquirer or the inquiry stage. Instead, the loan approval personnel need to manually determine and select the inquiry reason within the scope of the inquirer type agreed in the current loan product, or the designer needs to specify the possible inquiry subject type and the inquiry reason corresponding to different inquiry stages of the product at each loan product design stage, and code the reason determination in the system. There are certain risks and problems:

[0003] (1) The operation cost of manual selection is high and there is a risk of misoperation;

[0004] (2) Each time the coding is specified according to the product design, there may be omissions and system defects;

[0005] (3) In the context of rapid iteration of Internet loan products, coding by product dimension will lead to complex business system functions and reduced product flexibility;

[0006] (4) Most credit inquiry implementation solutions lack reliable error warning and verification, and are unable to detect and resolve the problem of wrong delivery in a timely manner.

[0007] In order to improve the accuracy of the inquiry reasons submitted by the People's Bank of China for credit inquiries and protect the security of customer credit information, most banks use manual review or implement the inquiry reason determination function based on product dimensions.

[0008] An example of a common credit inquiry submission reason scheme:

[0009] An independent credit inquiry system is built to provide credit report application and credit report acquisition services. In credit card approval, loan approval, post-loan management and other scenarios, different business systems generate credit inquiry reasons. Through the credit inquiry interface of the credit inquiry system, a credit inquiry application is initiated to the credit inquiry system. The generation of the inquiry reason can be selected by offline manual selection during the approval stage, or it can be uploaded by the online system through coding. This solution requires designers to analyze and confirm the possible inquiry subject types and inquiry stages of the product, and add the logic for generating the inquiry reason in different business functions of different systems. Once a manual operation error or system defect occurs, the wrong credit inquiry reason will remain in the PBOC credit system and be collected and used by other banks. At the same time, it is also difficult to identify the problem of incorrect inquiry reasons in a timely manner. Summary of the invention

[0010] The present invention provides a method and system for verifying the mapping of reasons for a credit inquiry of the People's Bank of China. By establishing a query reason matrix mapping relationship in advance, when a related system (credit card approval, loan approval, risk control system, etc.) initiates a credit inquiry, it only needs to provide the query subject type that has been clearly defined in the credit card / loan approval collection information, and the query reason can be directly obtained by adding the query stage, thus avoiding the operational risks and system defects caused by manual selection or system hard coding implementation.

[0011] The present invention provides a method for verifying the mapping of credit inquiry reasons of the People's Bank of China, comprising: a process for generating and verifying the credit inquiry reasons;

[0012] The process of generating the credit inquiry reason includes:

[0013] 1) Organize and obtain credit inquiry scenarios and inquiry subject types;

[0014] 2) Establish a matrix mapping relationship table between query scenarios and query subject types and query reasons;

[0015] 3) The matrix mapping table is imported into the preprocessor and takes effect;

[0016] The verification process for the reason for the credit inquiry includes:

[0017] 4) The business system initiates a credit inquiry application to the preprocessor through the pre-inquiry interface;

[0018] 5) The pre-processor queries the query reason matrix mapping table to generate the pre-mapping result and then forwards the pre-mapping result to the mid-processor. The pre-mapping result includes the query reason.

[0019] 6) The central processor takes snapshots of the credit inquiry application and the pre-mapping results, and forwards the credit inquiry application and the pre-mapping results to the credit inquiry system;

[0020] 7) The credit inquiry system receives the credit inquiry application and the pre-mapping results through the credit inquiry interface and obtains the credit report.

[0021] The method sets a pre-processor and a mid-processor between the business system and the credit inquiry system, so that the credit inquiry application of the business system is received by the pre-query interface, then processed by matrix mapping, and finally forwarded to the credit inquiry system through the pre-mapping result, avoiding the operational risks and system defects caused by manual selection or system hard coding implementation.

[0022] Preferably, the verification process of the credit inquiry reason also includes:

[0023] The mid-processor classifies the pre-mapping results. When the pre-mapping result is a successful mapping, the mid-processor forwards the credit inquiry application and the pre-mapping result to the credit inquiry system. When the pre-mapping result is a failed mapping, the mid-processor forwards the warning information to the post-processor.

[0024] The post-processor issues a message alarm based on the warning information.

[0025] This improvement can obtain query errors in real time and issue early warnings to ensure the accuracy of credit query results.

[0026] Preferably, the verification process of the credit inquiry reason also includes:

[0027] The business system sends the original transaction data collected from each system to the central processor;

[0028] The pre-mapping result generated by the pre-processor also includes the matrix mapping version number;

[0029] The central processor matches the matrix mapping format according to the matrix mapping version number, and counts the snapshot records and original transaction data by time period;

[0030] When the classification counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates an exception record, generates a specific flow record corresponding to the inconsistent classification counts, and sends segmented warning information to the post-processor;

[0031] The post-processor issues message alarms based on the segmented warning information.

[0032] This improvement saves snapshots of the query subject type and query scenario, which can verify errors in query reasons in real time and issue early warnings, thereby reducing system complexity, releasing product flexibility, improving the iterative research and development efficiency of financial products related to credit information collection, and ensuring the information security of the credit query subject and the accuracy of the results.

[0033] More preferably, the central processor matches the matrix mapping format according to the matrix mapping version number, and counts the snapshot records and the original transaction data by time period;

[0034] When the classification counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates a specific flow record corresponding to the inconsistent classification counts and sends segmented warning information to the post-processor;

[0035] The post-processor issues message alarms and / or initiates manual handling functions based on the segmented warning information.

[0036] This improvement enables the system to automatically generate segmented warning information when a large amount of warning information is generated, making it easier to split and analyze the warning information, troubleshoot warning problems and conduct timely manual intervention.

[0037] The present invention discloses a People's Bank of China credit inquiry reason mapping verification system, comprising: a business system, a pre-processor, a mid-processor, and a credit inquiry system, wherein:

[0038] The preprocessor includes: a prequery interface, a query reason matrix mapping module, and a pre-mapping result forwarding module;

[0039] The business system initiates a credit inquiry application to the preprocessor through the pre-inquiry interface;

[0040] The query reason matrix mapping module sorts out the credit inquiry scenarios and query subject types, establishes a matrix mapping relationship table of the query reasons corresponding to the query scenarios and query subject types, imports the matrix mapping table relationship and makes it effective;

[0041] The pre-processor queries the matrix mapping relationship table according to the credit inquiry application, generates a pre-mapping result and forwards the pre-mapping result to the mid-processor, wherein the pre-mapping result includes the inquiry reason;

[0042] The central processor takes snapshot records of the credit inquiry application and the pre-mapping results, and forwards the credit inquiry application and the pre-mapping results to the credit inquiry system;

[0043] The credit inquiry system receives the credit inquiry application and the pre-mapping results through the credit inquiry interface and obtains the credit report.

[0044] The method sets a pre-processor and a mid-processor between the business system and the credit inquiry system, so that the credit inquiry application of the business system is received by the pre-query interface, then processed by matrix mapping, and finally forwarded to the credit inquiry system through the pre-mapping result, avoiding the operational risks and system defects caused by manual selection or system hard coding implementation.

[0045] Preferably, the system further comprises a post-processor;

[0046] The intermediate processor classifies the pre-mapping results, and when the pre-mapping result is a successful mapping, forwards the credit inquiry application and the pre-mapping result to the credit inquiry system, and when the pre-mapping result is a failed mapping, forwards the warning information to the post-processor;

[0047] The post-processor issues a message alarm based on the warning information.

[0048] This improvement can obtain query errors in real time and issue early warnings to ensure the accuracy of credit query results.

[0049] Preferably, the system further comprises a post-processor; the business system further sends the original transaction data of each system collected by it to the mid-processor;

[0050] The pre-mapping result generated by the pre-processor also includes the matrix mapping version number;

[0051] The central processor matches the matrix mapping format according to the matrix mapping version number and counts the snapshot records and original transaction data;

[0052] When the counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates an exception record, generates a specific transaction record corresponding to the inconsistent counts, and sends an early warning message to the post-processor;

[0053] The post-processor issues a message alarm based on the warning information.

[0054] This improvement saves snapshots of the query subject type and query scenario, which can verify errors in query reasons in real time and issue early warnings, thereby reducing system complexity, releasing product flexibility, improving the iterative research and development efficiency of financial products related to credit information collection, and ensuring the information security of the credit query subject and the accuracy of the results.

[0055] More preferably, the central processor matches the matrix mapping format according to the matrix mapping version number, and counts the snapshot records and the original transaction data by time period;

[0056] When the classification counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates a specific flow record corresponding to the inconsistent classification counts and sends segmented warning information to the post-processor;

[0057] The post-processor issues message alarms and / or initiates manual handling functions based on the segmented warning information.

[0058] This improvement enables the system to automatically generate segmented warning information when a large amount of warning information is generated, making it easier to split and analyze the warning information, troubleshoot warning problems and conduct timely manual intervention.

[0059] Preferably, the parameters of the credit inquiry application include: request serial number, inquiry identity, inquiry subject type, inquiry scenario and / or inquiry system code. BRIEF DESCRIPTION OF THE DRAWINGS

[0060] Figure 1 This is a structural diagram of a People's Bank of China credit inquiry reason mapping verification system of the present invention.

[0061] Figure 2 This is a structural diagram of another PBC credit inquiry reason mapping verification system of the present invention.

[0062] Figure 3 for Figure 2 A flow chart of a verification method of the People's Bank of China credit inquiry reason mapping verification system

[0063] Figure 4 A matrix mapping relationship table of a people's bank credit inquiry reason mapping verification system of the present invention DETAILED DESCRIPTION

[0064] In order to clearly describe the system and method for verifying the reason mapping of a credit inquiry of the People's Bank of China according to the present invention, further explanation will be given in conjunction with the accompanying drawings.

[0065] like Figure 1 The People's Bank of China credit inquiry reason mapping verification system shown includes: a business system, a pre-processor, a mid-processor, and a credit inquiry system, wherein:

[0066] The preprocessor includes: a prequery interface, a query reason matrix mapping module, and a pre-mapping result forwarding module;

[0067] The business system initiates a credit inquiry application to the preprocessor through the pre-inquiry interface;

[0068] The query reason matrix mapping module sorts out the credit inquiry scenarios and query subject types, establishes a matrix mapping relationship table of the query reasons corresponding to the query scenarios and query subject types, imports the matrix mapping table relationship and makes it effective;

[0069] The pre-processor queries the matrix mapping relationship table according to the credit inquiry application, generates a pre-mapping result and forwards the pre-mapping result to the mid-processor, wherein the pre-mapping result includes the inquiry reason;

[0070] The central processor records the credit inquiry application and the pre-mapping result in a snapshot, and forwards the credit inquiry application and the pre-mapping result to the credit inquiry system;

[0071] The credit inquiry system receives the credit inquiry application and the pre-mapping results through the credit inquiry interface and obtains the credit report.

[0072] The system sets a pre-processor and a mid-processor between the business system and the credit inquiry system, so that the credit inquiry application of the business system is received by the pre-query interface, then processed by matrix mapping, and finally forwarded to the credit inquiry system through the pre-mapping result, avoiding the operational risks and system defects caused by manual selection or system hard-coding implementation.

[0073] like Figure 2 The system for mapping and verifying the reason for credit inquiry of the People's Bank of China shown in the figure includes: a business system, a pre-processor, a mid-processor, a credit inquiry system, and also includes a post-processor, wherein:

[0074] The preprocessor includes: a prequery interface, a query reason matrix mapping module, and a pre-mapping result forwarding module;

[0075] The business system initiates a credit inquiry application to the pre-processor through the pre-query interface. The business system also sends the original transaction data collected by each system to the mid-processor.

[0076] The query reason matrix mapping module sorts out the credit inquiry scenarios and query subject types, establishes a matrix mapping relationship table of the query reasons corresponding to the query scenarios and query subject types, imports the matrix mapping table relationship and makes it effective;

[0077] The pre-processor queries the matrix mapping relationship table according to the credit inquiry application, generates a pre-mapping result and forwards the pre-mapping result to the mid-processor. The pre-mapping result includes the inquiry reason and the matrix mapping version number.

[0078] The central processor classifies and snapshots the credit inquiry application and pre-mapping results, matches the matrix mapping format according to the matrix mapping version number, and counts the snapshot records and original transaction data by time period;

[0079] When the pre-mapping result is a successful mapping, the credit inquiry application and the pre-mapping result are forwarded to the credit inquiry system; when the pre-mapping result is a failed mapping, the warning information is forwarded to the post-processor;

[0080] When the counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates specific transaction records corresponding to the inconsistent classification counts and sends segmented warning information to the post-processor;

[0081] The post-processor issues message alarms and / or initiates manual handling functions based on the segmented warning information.

[0082] The parameters of the credit inquiry application include but are not limited to: request serial number, inquiry identity, inquiry subject type, inquiry scenario and / or inquiry system code.

[0083] This improvement saves snapshots of the query subject type and query scenario, and can verify the error of the query cause in real time and issue warnings, thereby reducing system complexity, releasing product flexibility, improving the efficiency of iterative research and development of financial products related to credit collection, and ensuring the information security of the credit query subject and the accuracy of the results. This improvement enables the system to automatically generate segmented warning information when a large amount of warning information is generated, making it easier to split and analyze the warning information, troubleshoot warning problems, and intervene manually in a timely manner.

[0084] like Figure 3 Shown Figure 2 A flow chart of a verification method of a People's Bank of China credit inquiry reason mapping verification system is shown.

[0085] The preprocessor includes: a prequery interface, a query reason matrix mapping module, and a pre-mapping result forwarding module.

[0086] The business system initiates a credit inquiry application to the front-end processor through the front-end query interface. The business system also sends the original transaction data collected by each system to the mid-end processor; the parameters of the credit inquiry application include the request serial number, inquiry identity, inquiry subject type, inquiry scenario and inquiry system code.

[0087] The query reason matrix mapping module organizes and obtains credit inquiry scenarios and inquiry subject types, and establishes a matrix mapping relationship table of inquiry reasons corresponding to the inquiry scenarios and inquiry subject types.

[0088] like Figure 4 The matrix mapping relationship table shown.

[0089] In the query reason matrix mapping relationship table, X is the bank's existing query scenario, and Y is the query subject type. A dedicated person fills in the query reason in the matrix mapping list. When certain query subject types do not appear in certain query scenarios, the query reason is filled in with 9999.

[0090] Import the matrix mapping relationship table into the preprocessor, and when the operation takes effect, a new version number such as 1.0.2 is generated.

[0091] The pre-processor receives a query application initiated by the business system. For example, the credit query scenario is scenario one, the query subject type is subject type 1, and the query matrix mapping relationship table is queried to obtain the unique query reason 01. The query reason 01 and the matrix mapping version number 1.0.2 are used as the pre-mapping results and the pre-mapping results and identity identifiers are forwarded to the mid-processor.

[0092] When the pre-mapping result is a successful mapping, the central processor classifies and snapshots the credit inquiry application and the pre-mapping result. The snapshot record is a snapshot of the transaction record of the query request serial number, query identity, query subject type, query scenario, query reason, matrix mapping version number and query system code before the pre-mapping result is forwarded; the matrix mapping format is matched according to the matrix mapping version number, and the snapshot records and original transaction data are counted by time period; the credit inquiry application and the pre-mapping result are forwarded to the credit inquiry system to obtain a credit inquiry report, and the credit inquiry report is returned to the business system to complete the transaction.

[0093] When the pre-mapping result is a mapping failure, for example, the credit inquiry scenario is scenario three, the inquiry subject type is subject type 6, the query matrix mapping relationship table cannot match the mapping result, and a 9999 response code is obtained, indicating that there may be unmapped query scenarios and subject types. The credit inquiry application and the pre-mapping result are stopped from being forwarded to the credit inquiry system, and an early warning record is generated; and segmented early warning information is sent to the post-processor.

[0094] When the counts of the generated snapshot and the original transaction data are inconsistent, the central processor generates a specific log record corresponding to the inconsistent classification counts, which includes the abnormal serial number, abnormal system code and abnormal type. The abnormal types include query reason mismatch, query scenario inconsistency, query subject type inconsistency, transaction snapshot missing, etc., and sends segmented warning information to the post-processor;

[0095] The post-processor warns and displays the warning information and provides warning disposal functions; the generated warning messages can be assembled in the credit inquiry system back-end management platform for display and disposal. Operators can query abnormal flow, abnormal source and abnormal cause in real time based on the warning information, and shut down transactions of related systems according to the abnormality until the abnormality is eliminated.

[0096] The People's Bank of China credit inquiry reason mapping verification method described in the present invention, the deployment and calling relationship of the pre-processor, mid-processor and post-processor between the business system and the credit inquiry system, and the separate deployment of the device of the present invention between the business system and the credit inquiry system avoid intrusion into the existing business system and credit inquiry system functions.

[0097] The pre-processor includes the pre-query interface, query reason mapping and pre-mapping result forwarding functions. The pre-query interface is used to access the business system request, and the request content includes the serial number, the query person's identity, the query subject type, the query scenario, and the query system code; the core of the query reason mapping function is to map the query reason matrix with the query scenario and query subject type obtained in advance. The mapping matrix supports import, and a new version number is generated after the import takes effect. The old mapping matrix records are archived and saved according to the version number for subsequent warning problem tracking; according to the query scenario and query subject type in the request, after obtaining the query reason according to the query reason mapping matrix, the mid-processor is called with the help of the mapping result forwarding function to complete the credit inquiry application.

[0098] The central processor includes snapshot record, snapshot count, real-time warning, and segmented warning functions. The snapshot record is to store the snapshot information of the serial number, query identity, query subject type, query scenario, query reason, matrix mapping version number, and query system code when the transaction is forwarded; then, based on the snapshot information, the record with the query reason of "9999" is used to generate a real-time transaction warning; the snapshot count supports counting and statistics of snapshot records and transaction data summary records by time period according to the matrix mapping version number matching matrix mapping format; the segmented warning matches the abnormal records that are inconsistent with the snapshot count and the original transaction count, and supports tracing back the specific abnormal flow according to the inconsistent abnormal records, so as to facilitate the operator to locate the specific cause of the error.

[0099] The post-processor realizes the functions of receiving and manually handling the alarm information of real-time and segmented warnings. After receiving the warning information, it can be sent to the configured mobile phone text messages and mailboxes; after receiving the warning information, the operator can view and analyze the real-time warning and segmented warning information with the post-processor, including abnormal classification, flow records and abnormal attribution system, and the warning will be lifted after completing the warning investigation and handling.

Claims

1. A method for verifying the reason mapping of a credit inquiry of the People's Bank of China, characterized in that: include: The process of generating and verifying the reason for the credit inquiry; The process of generating the credit inquiry reason includes: 1) Organize and obtain credit inquiry scenarios and inquiry subject types; 2) Establish a matrix mapping relationship table between query scenarios and query subject types and query reasons; 3) The matrix mapping table is imported into the preprocessor and takes effect; The verification process for the reason for the credit inquiry includes: 4) The business system initiates a credit inquiry application to the preprocessor through the pre-inquiry interface; 5) The pre-processor queries the query reason matrix mapping table to generate the pre-mapping result and then forwards the pre-mapping result to the mid-processor. The pre-mapping result includes the query reason. 6) The central processor takes snapshots of the credit inquiry application and the pre-mapping results, and forwards the credit inquiry application and the pre-mapping results to the credit inquiry system; 7) The credit inquiry system receives the credit inquiry application and the pre-mapping results through the credit inquiry interface and obtains the credit report.

2. A method for verifying the reason mapping of a credit inquiry by the People's Bank of China as claimed in claim 1, characterized in that: The verification process of the credit inquiry reason also includes: The mid-processor classifies the pre-mapping results. When the pre-mapping result is a successful mapping, the mid-processor forwards the credit inquiry application and the pre-mapping result to the credit inquiry system. When the pre-mapping result is a failed mapping, the mid-processor forwards the warning information to the post-processor. The post-processor issues a message alarm based on the warning information.

3. A method for verifying the reason mapping of a credit inquiry by the People's Bank of China as claimed in claim 1, characterized in that: The verification process of the credit inquiry reason also includes: The business system sends the original transaction data collected from each system to the central processor; The pre-mapping result generated by the pre-processor also includes the matrix mapping version number; The central processor matches the matrix mapping format according to the matrix mapping version number, and counts the snapshot records and original transaction data by time period; When the classification counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates an exception record, generates a specific flow record corresponding to the inconsistent classification counts, and sends segmented warning information to the post-processor; The post-processor issues message alarms based on the segmented warning information.

4. A method for verifying the reason mapping of a credit inquiry by the People's Bank of China as claimed in claim 3, characterized in that: The central processor matches the matrix mapping format according to the matrix mapping version number, and counts the snapshot records and original transaction data by time period; When the classification counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates a specific flow record corresponding to the inconsistent classification counts and sends segmented warning information to the post-processor; The post-processor issues message alarms and / or initiates manual handling functions based on the segmented warning information.

5. A method for verifying the reason mapping of a credit inquiry of the People's Bank of China as claimed in any one of claims 1 to 4, characterized in that: The parameters of the credit inquiry application include: request serial number, inquiry identity, inquiry subject type, inquiry scenario and / or inquiry system code.

6. A People's Bank of China credit inquiry reason mapping verification system, characterized in that: include: Business system, pre-processor, mid-processor, credit inquiry system, among which, The preprocessor includes: a prequery interface, a query reason matrix mapping module, and a pre-mapping result forwarding module; The business system initiates a credit inquiry application to the preprocessor through the pre-inquiry interface; The query reason matrix mapping module sorts out the credit inquiry scenarios and query subject types, establishes a matrix mapping relationship table of the query reasons corresponding to the query scenarios and query subject types, imports the matrix mapping table relationship and makes it effective; The pre-processor queries the matrix mapping relationship table according to the credit inquiry application, generates a pre-mapping result and forwards the pre-mapping result to the mid-processor, wherein the pre-mapping result includes the inquiry reason; The central processor takes snapshot records of the credit inquiry application and the pre-mapping results, and forwards the credit inquiry application and the pre-mapping results to the credit inquiry system; The credit inquiry system receives the credit inquiry application and the pre-mapping results through the credit inquiry interface and obtains the credit report.

7. A People's Bank of China credit inquiry reason mapping verification system as claimed in claim 6, characterized in that: Also includes postprocessor; The intermediate processor classifies the pre-mapping results, and when the pre-mapping result is a successful mapping, forwards the credit inquiry application and the pre-mapping result to the credit inquiry system, and when the pre-mapping result is a failed mapping, forwards the warning information to the post-processor; The post-processor issues a message alarm based on the warning information.

8. A People's Bank of China credit inquiry reason mapping verification system as claimed in claim 6, characterized in that: Also includes postprocessor; The business system also sends the original transaction data collected by each system to the central processor; The pre-mapping result generated by the pre-processor also includes the matrix mapping version number; The central processor matches the matrix mapping format according to the matrix mapping version number and counts the snapshot records and original transaction data; When the counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates an exception record, generates a specific transaction record corresponding to the inconsistent counts, and sends an early warning message to the post-processor; The post-processor issues a message alarm based on the warning information.

9. A People's Bank of China credit inquiry reason mapping verification system as claimed in claim 8, characterized in that: The central processor matches the matrix mapping format according to the matrix mapping version number, and counts the snapshot records and original transaction data by time period; When the classification counts of the generated snapshot and the original transaction data are inconsistent, the mid-processor generates a specific flow record corresponding to the inconsistent classification counts and sends segmented warning information to the post-processor; The post-processor issues message alarms and / or initiates manual handling functions based on the segmented warning information.

10. A People's Bank of China credit inquiry reason mapping verification system as claimed in any one of claims 6 to 9, characterized in that: The parameters of the credit inquiry application include: request serial number, inquiry identity, inquiry subject type, inquiry scenario and / or inquiry system code.

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