User credit value evaluation method and related device

Abstract

The invention provides a user credit value evaluation method and a related device, and the method comprises the steps: a server firstly obtains a credit evaluation request from terminal equipment, the credit evaluation request carries a reference credit value and an application record, then obtains the transaction information of a target user in a target transaction market according to the credit evaluation request, and finally carries out the credit evaluation of the target user. On the basis of application types and transaction information in the application record, whether the reference credit value meets evaluation conditions is determined, the application types include passive application and active application, the active application refers to credit evaluation application based on recommendation of other users, and the passive application refers to credit evaluation application not recommended by other users; if yes, generating a credit value evaluation report of the target user in the target transaction market according to the reference credit value, and finally sending the credit value evaluation report to the terminal equipment. Therefore, the accuracy and efficiency of the financial service system for evaluating the credit value of the user can be improved.

Description

Technical Field

[0001] The present application belongs to the field of financial technology, and specifically relates to a user credit value assessment method and related devices. Background Art

[0002] Personal credit risk assessment refers to the process of personal credit business of banks. Through the analysis and calculation of customer-related information dimensions using analytical statistical techniques, the corresponding credit risk model is established to obtain the corresponding credit score, thereby achieving credit risk assessment of customers and predicting the possibility of default of loan applicants. In the context of vigorously developing online credit business, commercial banks are faced with the task of expanding credit business for lower-tier customers. Therefore, finding a comprehensive and effective credit assessment for individual customers has become an important direction to support the healthy development of personal credit business. How to improve the accuracy and efficiency of the financial service system in assessing the credit value of users is an urgent problem to be solved. Summary of the invention

[0003] The present application provides a user credit value assessment method and related devices, in order to improve the accuracy and efficiency of user credit value assessment by a financial service system.

[0004] In a first aspect, an embodiment of the present application provides a method for evaluating user credit value, which is applied to a server in a financial service system, wherein the financial service system also includes a terminal device that is communicatively connected to the server, and the method includes:

[0005] Obtaining a credit evaluation request from the terminal device, the credit evaluation request carrying a reference credit value and an application record, the reference credit value being used to characterize the market value of the target user's expected credit in the target transaction market;

[0006] Acquiring transaction information of the target user in the target transaction market according to the credit evaluation request;

[0007] Based on the application type in the application record and the transaction information, determining whether the reference credit value meets the evaluation conditions, the application type includes passive application and active application, the active application refers to a credit evaluation application based on the recommendation of other users, and the passive application refers to a credit evaluation application without the recommendation of other users;

[0008] If yes, generating a credit value assessment report of the target user in the target transaction market according to the reference credit value;

[0009] The credit value assessment report is sent to the terminal device.

[0010] In a second aspect, an embodiment of the present application provides a user credit value assessment device, which is applied to a server in a financial service system, wherein the financial service system also includes a terminal device that is communicatively connected to the server, and the device includes:

[0011] A first acquisition unit is used to acquire a credit evaluation request from the terminal device, the credit evaluation request carries a reference credit value and an application record, the reference credit value is used to represent the market value of the target user's expected credit in the target transaction market;

[0012] A second acquisition unit, configured to acquire transaction information of the target user in the target transaction market according to the credit evaluation request;

[0013] a determination unit, configured to determine whether the reference credit value satisfies an evaluation condition based on the application type in the application record and the transaction information, wherein the application type includes a passive application and an active application, wherein the active application refers to a credit evaluation application based on a recommendation of other users, and the passive application refers to a credit evaluation application without a recommendation of other users;

[0014] an evaluation unit, configured to generate a credit value evaluation report of the target user in the target transaction market according to the reference credit value;

[0015] A sending unit is used to send the credit value assessment report to the terminal device.

[0016] In a third aspect, an embodiment of the present application provides a server, comprising a processor, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the processor, and the program comprises instructions for executing the steps in the method described in the first aspect of the embodiment of the present application.

[0017] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium having a computer program / instruction stored thereon, which, when executed by a processor, implements the steps of the method described in the first aspect of the embodiment of the present application.

[0018] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program / instructions, which, when executed by a processor, implement the steps of the method described in the first aspect of the embodiment of the present application.

[0019] It can be seen that in the embodiment of the present application, the server first obtains a credit evaluation request from the terminal device, the credit evaluation request carries a reference credit value and an application record, the reference credit value is used to characterize the market value of the target user's expected credit in the target trading market, then, according to the credit evaluation request, obtains the transaction information of the target user in the target trading market, and then, based on the application type and the transaction information in the application record, determines whether the reference credit value meets the evaluation conditions, the application type includes passive application and active application, the active application refers to the credit evaluation application based on the recommendation of other users, and the passive application refers to the credit evaluation application without the recommendation of other users, if yes, then generates a credit value evaluation report of the target user in the target trading market according to the reference credit value, and finally, sends the credit value evaluation report to the terminal device. In this way, based on the application type of the credit evaluation request and the transaction information of the user in the trading market, the user's expected credit value is evaluated, and when the expected value meets the evaluation conditions, a credit value evaluation report is created based on the user's expected credit value, which can improve the accuracy and efficiency of the financial service system's evaluation of the user's credit value. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0021] Figure 1 It is a structural block diagram of a financial service system provided by an embodiment of the present application;

[0022] Figure 2 It is a flowchart of a method for evaluating user credit value provided by an embodiment of the present application;

[0023] Figure 3 This is a functional unit block diagram of a user credit value assessment device provided in an embodiment of the present application;

[0024] Figure 4 It is a functional unit composition block diagram of another user credit value assessment device provided by an embodiment of the present application;

[0025] Figure 5 It is a structural block diagram of a server provided in an embodiment of the present application. DETAILED DESCRIPTION

[0026] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0027] The terms "first", "second", etc. in the specification and claims of this application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but optionally includes steps or units that are not listed, or optionally includes other steps or units inherent to these processes, methods, products or devices.

[0028] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0029] First, the system architecture involved in the embodiments of the present application is introduced.

[0030] See also Figure 1 , Figure 1 is a structural block diagram of a financial service system provided by an embodiment of the present application. Figure 1As shown, the financial service system 10 includes a server 11 and a terminal device 12. The server 11 and the terminal device 12 are in communication connection. The server 11 obtains a credit evaluation request from the terminal device 12. The credit evaluation request carries a reference credit value and an application record. The reference credit value is used to characterize the market value of the target user's expected credit in the target transaction market; according to the credit evaluation request, the transaction information of the target user in the target transaction market is obtained; based on the application type and transaction information in the application record, it is determined whether the reference credit value meets the evaluation conditions. The application type includes passive application and active application. Active application refers to a credit evaluation application based on the recommendation of other users, and passive application refers to a credit evaluation application without the recommendation of other users; if so, a credit value evaluation report of the target user in the target transaction market is generated according to the reference credit value; and the credit value evaluation report is sent to the terminal device 12. Among them, the server 11 can be a server, or a server cluster composed of several servers, or a cloud computing service center, and the terminal device 12 can be a mobile terminal, a tablet computer, a laptop computer, etc.

[0031] Based on this, an embodiment of the present application provides a method for evaluating the credit value of a user, and the embodiment of the present application is described in detail below in conjunction with the accompanying drawings.

[0032] See also Figure 2 , Figure 2 is a flow chart of a method for evaluating user credit value provided by an embodiment of the present application, and the method is applied to Figure 1 The server 11 in the financial service system 10 shown in the figure, the financial service system 10 includes the server 11 and the terminal device 12, the server 11 and the terminal device 12 are connected in communication, such as Figure 2 As shown, the method includes the following steps 201-205:

[0033] Step 201: Obtain a credit assessment request from the terminal device.

[0034] The credit evaluation request carries a reference credit value and an application record. The reference credit value is used to characterize the market value of the target user's expected credit in the target trading market. The application record includes the application type of the credit evaluation request. The application type includes passive application and active application. Passive application refers to a credit evaluation application based on recommendations from other users, and active application refers to a credit evaluation application without recommendations from other users.

[0035] The credit evaluation request may be submitted by the target user himself or by the first user, and the first user is different from the target user. For example, the target user is a customer of the target application, the first user is a customer manager of the target application, and the first user provides customer service for the target user. The target application includes a user credit value evaluation function.

[0036] Optionally, the credit evaluation request may include part or all of the first identifier of the target user, the reference credit value, the application type of the credit evaluation request, the first form, and the recommender association information.

[0037] In a possible implementation, the credit evaluation request includes a reference credit value. The reference credit value may be obtained by performing the following operations on the terminal device:

[0038] Step A1: The terminal device obtains a first form uploaded by the target user. The first form may include a first filling column, and the first filling column is used to record the market value of the target user's own credit expected in the target transaction market.

[0039] The first form may be obtained by the target user scanning or photographing the first paper form through a terminal device. The first form may also be obtained by the target user filling in the first electronic form through a terminal device and uploading it. For example, if the content filled in the first filling column is 5000, the reference credit value is 5000.

[0040] Step A2: The terminal device identifies the content of the first fill-in column in the first form to obtain the reference credit value.

[0041] In a possible implementation, the credit evaluation request includes an application type of the credit evaluation request. The application type of the credit evaluation request may be obtained by performing the following operations on the terminal device:

[0042] Step B1: The terminal device obtains the recommended person related information.

[0043] The recommended person association information is used to characterize the person who recommends the target user to conduct credit assessment.

[0044] Optionally, the recommended person association information may be the information of the recommended person actively provided by the target user. Specifically, the recommended person association information may be a second form uploaded by the target user, wherein the second form may include a second fill-in column, and the second fill-in column is used to record the second identifier of the recommender who recommends the target person for credit assessment. Among them, the second identifier may be, but is not limited to, at least one of the ID number, mobile phone number, and serial number of the recommender. The serial number of the recommender is issued by the server after the recommender is authenticated. One recommender corresponds to one serial number, and different recommenders correspond to different serial numbers. Among them, the first form and the second form may be the same form, or the first form and the second form may be different forms, without specific limitation. Exemplarily, if the second fill-in column is used to fill in the mobile phone number of the recommender, the second identifier is the mobile phone number of the recommender, and if the second fill-in column is used to fill in the ID number of the recommender, the second identifier is the ID number of the recommender.

[0045] The second form may be obtained by the target user scanning or photographing the second paper form through the terminal device, etc. The second form may also be obtained by the target user filling in the second electronic form and uploading it through the terminal device.

[0046] Optionally, the recommended person association information may be the application path for the target user to apply for a credit assessment. The application path may be the target user clicking on a link or website shared by other users to jump to the credit assessment application interface, and submitting a credit assessment request through the credit assessment application interface. The application path may also be the target user logging into the target application by himself, entering the credit assessment application interface, and submitting a credit assessment request through the credit assessment application interface. The terminal device monitors the user behavior of the target user and records the application path.

[0047] Step B2: The terminal device determines the application type of the credit assessment request according to the recommendation person association information.

[0048] Optionally, when the recommended person association information is the second form mentioned above, the terminal device can first identify the content of the second fill-in column in the second form to obtain the second identifier, and then further determine whether the first identifier and the second identifier match. If the first identifier and the second identifier match, it is determined that the credit assessment request is an active application; if the first identifier and the second identifier do not match, it is determined that the credit assessment request is a passive application. The first identifier and the second identifier match, which means that the recommended person indicated by the second identifier and the target user indicated by the first identifier are the same person, and the first identifier and the second identifier do not match, which means that the recommended person indicated by the second identifier and the target user indicated by the first identifier are not the same person.

[0049] Case 1: The first identifier and the second identifier are the same identifier.

[0050] If the first identifier and the second identifier are the same, the credit assessment request is determined to be an active application; if the first identifier and the second identifier are different, the credit assessment request is determined to be a passive application. Exemplarily, if the first identifier and the second identifier are both ID numbers, the first identifier is ID number 1, the second identifier is ID number 2, and ID number 1 and ID number 2 are the same, the credit assessment request is determined to be an active application. Exemplarily, if the first identifier and the second identifier are both telephone numbers, the first identifier is telephone number 1, the second identifier is telephone number 2, and telephone number 1 and telephone number 2 are different, the credit assessment request is determined to be a passive application.

[0051] Case 2: The first identifier and the second identifier are not the same identifier.

[0052] Optionally, the terminal device may obtain a third identifier that matches the first identifier, and the third identifier and the second identifier are the same identifier. If the third identifier and the second identifier are the same, the credit assessment request is determined to be an active application. If the third identifier and the second identifier are different, the credit assessment request is determined to be a passive application. Exemplarily, if the first identifier is an ID number and the second identifier is a telephone number, the first identifier is ID number 1 and the second identifier is telephone number 1, first determine telephone number 2 that matches ID number 1, telephone number 1 and telephone number 2 are the same, then determine that the credit assessment request is an active application, and telephone number 1 and telephone number 2 are different, then determine that the credit assessment request is a passive application.

[0053] In the embodiment of the present application, two identifiers match means that the two identifiers indicate the same user, and two identifiers do not match means that the two identifiers indicate different users.

[0054] Optionally, the terminal device can obtain a fourth identifier that matches the second identifier, and the fourth identifier and the first identifier are the same identifier. If the fourth identifier and the first identifier are the same, the credit assessment request is determined to be an active application. If the fourth identifier and the first identifier are different, the credit assessment request is determined to be a passive application. Exemplarily, if the first identifier is an ID number and the second identifier is a telephone number, the first identifier is ID number 1 and the second identifier is telephone number 1, first determine the ID number 2 that matches telephone number 1, and if ID number 1 and ID number 2 are the same, then the credit assessment request is determined to be an active application. If ID number 1 and ID number 2 are different, then the credit assessment request is determined to be a passive application. It can be seen that the terminal device can determine the application type of the credit assessment request based on the information of the recommended person actively provided by the target person, thereby improving the efficiency and accuracy of the user's credit value assessment.

[0055] Optionally, when the recommended person association information is the above application path, the terminal device can determine that the credit assessment request is a passive application when the application path is that the target user jumps to the credit assessment application interface by clicking on a link or website shared by other users, and submits a credit assessment request through the credit assessment application interface, and determines that the credit assessment request is an active application when the application path is that the target user logs into the target application by himself, enters the credit assessment application interface, and submits a credit assessment request through the credit assessment application interface. It can be seen that the terminal device can determine the application type of the credit assessment request based on the application path of the target user's credit assessment application, thereby improving the efficiency and accuracy of the user's credit value assessment.

[0056] After receiving the credit evaluation request, the server may directly use the first identifier, the reference credit value, and the application type in the application record.

[0057] In a possible implementation, the credit assessment request includes the first form, and the server can identify the content of the first fill-in column in the first form to obtain the reference credit value. It can be seen that the terminal device obtains the information carrier of the reference credit value, such as the first form, and the server needs to analyze the reference credit value based on the information carrier.

[0058] In a possible implementation, the credit assessment request includes the above-mentioned recommended person association information, and the server can determine the application type of the credit assessment request based on the recommended person association information. The process of determining the application type by the server is the same as the process of determining the application type by the terminal device. Please refer to the description of the terminal device determining the application type of the credit assessment request based on the recommended person association information in the above-mentioned step B2, which will not be repeated here. It can be seen that the terminal device obtains the information carrier of the application type of the credit assessment request, such as the above-mentioned recommended person association information, and the server needs to analyze the application type based on the information carrier.

[0059] It should be noted that the aforementioned reference credit value and the aforementioned application type may both be obtained by the terminal device; the aforementioned reference credit value and the aforementioned application type may both be obtained by the server; the aforementioned reference credit value and the aforementioned application type may be obtained by one server and the other by the terminal device; specifically, the aforementioned reference credit value may be obtained by the server and the aforementioned application type may be obtained by the terminal device; specifically, the aforementioned reference credit value may be obtained by the terminal device and the aforementioned application type may be obtained by the server. There is no specific limitation on the acquisition subject of the aforementioned reference credit value and the aforementioned application type.

[0060] Step 202: Acquire the transaction information of the target user in the target transaction market according to the credit evaluation request.

[0061] In a possible implementation, the transaction information includes at least one of the following: economic strength information, user status information, digital currency borrowing application information, digital currency borrowing information, digital currency return information, digital currency quota information, and competitive product information. The economic strength information is used to characterize the wealth reserve and wealth acquisition ability of the target user. The user status information is used to characterize the digital currency quota status, digital currency borrowing status, and digital currency return status of the target user. The digital currency borrowing application information is used to characterize the motivation and process of the target user in applying to borrow digital currency. The digital currency borrowing information is used to characterize the digital currency borrowing behavior of the target user. The digital currency return information is used to characterize the digital currency return behavior of the target user. The digital currency quota information is used to characterize the target user's cognition of the digital currency quota in the target trading market; the competitive product information is used to characterize the digital currency quota that at least one second merchant is currently willing to lend to the target user, and the first merchant is different from the second merchant.

[0062] Among them, before classifying the transaction information based on the application type and the transaction information in the application record, the server can classify the transaction information according to the business function type to obtain economic strength information, user status information, digital currency borrowing application information, digital currency borrowing information, digital currency return information, digital currency quota information, and competitive product information.

[0063] In a specific implementation, the server may perform at least one of the following operations: filter out data representing the target user's wealth reserve and wealth acquisition ability from the transaction information to form economic strength information; filter out data representing the target user's digital currency quota status, digital currency borrowing status, and digital currency return status from the transaction information to form user status information; filter out data representing the target user's motivation and process for applying to borrow digital currency from the transaction information to form digital currency borrowing application information; filter out data representing the target user's digital currency borrowing behavior from the transaction information to form digital currency borrowing information; filter out data representing the target user's digital currency return behavior from the transaction information to form digital currency return information; filter out data representing the target user's cognition of the digital currency quota in the target trading market from the transaction information to form digital currency quota information; filter out data representing the digital currency quota that at least one second merchant is currently willing to lend to the target user from the transaction information to form competitive product information, and the first merchant is different from the second merchant.

[0064] It can be seen that in this example, the transaction information can be centralized, and the corresponding information can be found more conveniently and quickly in subsequent information applications, thereby improving the efficiency and accuracy of the above-mentioned financial service system in evaluating the user's credit value.

[0065] Step 203: Determine whether the reference credit value meets the evaluation condition based on the application type in the application record and the transaction information.

[0066] After step 203, if yes, step 204 is executed. Step 204 is to generate a credit value assessment report of the target user in the target transaction market according to the reference credit value.

[0067] Step 205: Send the credit value assessment report to the terminal device.

[0068] It can be seen that in the embodiment of the present application, the server first obtains a credit evaluation request from the terminal device, the credit evaluation request carries a reference credit value and an application record, the reference credit value is used to characterize the market value of the target user's expected credit in the target trading market, then, according to the credit evaluation request, obtains the transaction information of the target user in the target trading market, and then, based on the application type and the transaction information in the application record, determines whether the reference credit value meets the evaluation conditions, the application type includes passive application and active application, the active application refers to the credit evaluation application based on the recommendation of other users, and the passive application refers to the credit evaluation application without the recommendation of other users, if yes, then generates a credit value evaluation report of the target user in the target trading market according to the reference credit value, and finally, sends the credit value evaluation report to the terminal device. In this way, based on the application type of the credit evaluation request and the transaction information of the user in the trading market, the user's expected credit value is evaluated, and when the expected value meets the evaluation conditions, a credit value evaluation report is created based on the user's expected credit value, which can improve the accuracy and efficiency of the financial service system's evaluation of the user's credit value.

[0069] In a possible implementation, the implementation of determining whether the reference credit value meets the evaluation condition based on the application type in the application record and the transaction information may specifically include the following steps C1 to C6:

[0070] Step C1: If the application type is an active application, determine whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a first threshold.

[0071] The first threshold may be 70%, 80%, etc. The filled-in information content and the degree of completion are determined by the application type. The filled-in information content and degree of completion may be the same for different application types.

[0072] After step C1, if yes, execute step C2, which is to determine a first reference value based on the digital currency amount information.

[0073] The first reference value refers to the maximum digital currency value that the first merchant is willing to lend to the target user based on the digital currency limit of the target user.

[0074] In a specific implementation, the digital currency quota information includes at least one of the following: the n target quota values ​​closest to the current time, the m quota usage values ​​closest to the current time, n and m are positive integers, the target quota value refers to the highest digital currency value lent by the first merchant to the target user based on the request of the target user, and the quota usage value refers to the maximum value of the digital currency borrowed by the target user in a single quota borrowing cycle; the first reference value includes one of the following: the third reference value, the fourth reference value, the maximum value in the target object, the minimum value in the target object, the average value of the target object, and the weighted average value of the target object; the target object includes two objects, the third reference value and the fourth reference value; the third reference value includes one of the following: the maximum value of the n target quota values, the average value of the n target quota values, and the weighted average value of the n target quota values; the fourth reference value includes one of the following: the maximum value of the n quota usage values, the average value of the n quota usage values, and the weighted average value of the n quota usage values. The digital currency in the embodiment of the present application refers to the digitization of currency. Among them, digital currency includes Bitcoin.

[0075] Optionally, the digital currency quota information includes multiple target quota values ​​closest to the current time, and the first reference value is a weighted average of the multiple quota usage values. Specifically, the server obtains the evaluation score of each target quota value in the multiple target quota values, obtains multiple evaluation scores, and determines the sum of the multiple evaluation scores as the first reference value. The corresponding relationship between the first reference value and the multiple quota usage values ​​can be: Y = a1X1 + a2X2 + ... + a n X n , Y is the first reference value, X1 is the first target amount value before the current time, X2 is the second target amount value before the current time, X n is the nth target amount value before the current time, a1 is the weighting coefficient of the first target amount value, a2 is the weighting coefficient of the second target amount value, and a n is the weighted coefficient of the nth target amount value, a1>a2>…>a n , a1+a2+…+a n = 1. The weighting coefficient corresponding to the target credit value closer to the current time is larger, and the weighting coefficient corresponding to the target credit value farther from the current time is smaller, so that the determined first reference value is more consistent with the current situation of the target user.

[0076] For example, the digital currency limit information includes the four target limit values ​​closest to the current time, Y=0.4X1+0.3X2+0.2X3+0.1X4, and the four target limit values ​​of user A are as follows: X1 is 5000, X2 is 4300, X3 is 4800, and X4 is 6000, so the first reference value of user A is 4850.

[0077] After step C2, if the reference credit value is less than or equal to the first reference value, step C3 is executed. Step C3 is to determine whether the reference credit value satisfies the evaluation condition.

[0078] After step C2, if the reference credit value is greater than the first reference value, step C4 is executed, and step C4 is to determine a second reference value according to the economic strength information.

[0079] The second reference value refers to the highest digital currency value that the first merchant is willing to lend based on the economic strength of the target user.

[0080] In a possible implementation, the economic strength information includes a first quantified value of the target user's fixed assets in the target trading market, a second quantified value of the target user's current assets in the target trading market, and a third quantified value of the target user's average monthly residual wealth in the target trading market; determining the second reference value based on the economic strength information includes: calculating a first sum of the first quantified value and the second quantified value; determining a sixth reference value corresponding to the third quantified value based on a correspondence between the third quantified value and the target, the sixth reference value referring to the highest digital currency value that the first merchant is willing to lend to the target user based on the third quantified value, the target correspondence including a correspondence between the third quantified value and the sixth reference value; determining a second sum of the first sum and the sixth reference value as the second reference value.

[0081] Among them, the monthly average remaining wealth can be the monthly average of the remaining wealth of the target user in the past target time period, and the past target time period can be the past 5 months, 6 months, 12 months, etc. In the specific implementation, the past target time period can be set as needed. The corresponding relationship between the third value quantification amount and the monthly average remaining wealth of the target user can be set in advance according to actual needs, ensuring that the third value quantification amount can be determined based on the monthly average remaining wealth of the target user. The target corresponding relationship can be set in advance according to actual needs, ensuring that the sixth reference value can be determined based on the third value quantification amount.

[0082] It can be seen that in this example, by quantifying the value of fixed assets, current assets, and the user's average monthly residual wealth, the second reference value can be determined accurately and meticulously because the second reference value is the highest digital currency value that the merchant is willing to lend based on the economic strength of the target user, thereby avoiding the risk of merchants lending digital currency to target users.

[0083] After step C4, if the reference credit value is less than or equal to the second reference value, step C5 is executed. Step C5 is to determine whether the reference credit value satisfies the evaluation condition.

[0084] After step C4, if the reference credit value is greater than the second reference value, step C6 is executed. Step C6 is to determine whether the reference credit value satisfies the evaluation condition.

[0085] It can be seen that in the active application scenario, by analyzing the completeness of the application materials, the comparison results of the maximum digital currency value that the merchant is willing to lend to the target user based on the target user's digital currency limit and the reference credit value, and the comparison results of the maximum digital currency value that the merchant is willing to lend based on the target user's economic strength and the reference credit value, it is gradually determined whether the reference credit value meets the evaluation conditions, which is conducive to more conveniently and accurately determining whether the reference credit value meets the evaluation conditions.

[0086] In a possible implementation, after step C1, if not, the target user may be asked to complete the application materials until the degree of completion of the application materials is greater than or equal to the first threshold.

[0087] In a possible implementation, the implementation of determining whether the reference credit value meets the evaluation condition based on the application type in the application record and the transaction information may specifically include the following steps D1 to D6:

[0088] Step D1, if the application type is a passive application, determine whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a second threshold.

[0089] The second threshold value may be 60%, 50%, etc., and there is no specific limitation on the second threshold value. The second threshold value is smaller than the first threshold value.

[0090] After step D1, if yes, step D2 is executed, and step D2 is to determine a fifth reference value according to the competitive product information.

[0091] The fifth reference value includes: the average amount, the maximum amount, and the minimum amount that the at least one second merchant is currently willing to lend to the target user. The second merchant may be a competitor of the first merchant.

[0092] Exemplarily, the fifth reference value is the maximum amount that at least one second merchant is currently willing to lend to the target user, the first merchant is merchant A, the at least one second merchant includes merchant B, merchant C, merchant D, merchant B currently provides a credit limit of 5000 for user A, merchant C currently provides a credit limit of 6000 for user A, and merchant D currently provides a credit limit of 4000 for user A, then the fifth reference value is 6000. Using the maximum credit limit that other merchants can currently provide to the target user as the fifth reference value can attract the target user to conduct a credit limit borrowing transaction.

[0093] Exemplarily, the fifth reference value is the minimum amount that at least one second merchant is currently willing to lend to the target user, the first merchant is merchant A, the at least one second merchant includes merchant B, merchant C, merchant D, the maximum amount that merchant B currently provides for user A is 5000, the maximum amount that merchant C currently provides for user A is 6000, and the maximum amount that merchant D currently provides for user A is 4000, then the fifth reference value is 4000. Using the minimum amount that other merchants can currently provide for the target user as the fifth reference value can reduce the risk of lending to the target user.

[0094] After step D2, if the reference credit value is less than or equal to the fifth reference value, step D3 is executed. Step D3 is to determine whether the reference credit value satisfies the evaluation condition.

[0095] After step D2, if the reference credit value is greater than the fifth reference value, step D4 is executed, and step D4 is to determine a second reference value according to the economic strength information.

[0096] Step D4 is the same as step C4. Please refer to the above description of determining the second reference value based on the economic strength information in step C4, which will not be repeated here.

[0097] After step D4, if the reference credit value is less than or equal to the second reference value, step D5 is executed. Step D5 is to determine whether the reference credit value satisfies the evaluation condition.

[0098] After step D4, if the reference credit value is greater than the second reference value, step D6 is executed. Step D6 is to determine whether the reference credit value satisfies the evaluation condition.

[0099] It can be seen that in this example, in the passive application scenario, the standards for the completeness of the application materials are relatively relaxed, and on this basis, whether the reference credit value meets the evaluation conditions is first determined based on the competitive product information, and then determined based on the user's economic strength information. Whether the reference credit value meets the evaluation conditions is determined, which is conducive to more convenient and accurate determination of whether the reference credit value meets the evaluation conditions.

[0100] In one possible implementation, before determining that the reference credit value meets the evaluation condition, the method also includes: determining the number of overtimes and the duration of a single overtime of the target user based on the digital currency return information; if the number of overtimes is less than p, and the number of times the overtime duration is greater than the preset duration is less than q, then determining that the reference credit value meets the evaluation condition; if the number of overtimes is greater than or equal to p, or the number of times the overtime duration is greater than the preset duration is greater than or equal to q, then determining that the reference credit value does not meet the evaluation condition, and both p and q are positive integers.

[0101] Among them, p is greater than or equal to q, the preset duration can be 10 days, 30 days, 60 days, etc., and p, q, and the preset duration can be set according to actual needs.

[0102] For example, p is 5, q is 2, and the preset duration is 10 days. If user A has a total of 3 overdue times, and only one overdue time exceeds 10 days, it will be determined that the reference credit value meets the evaluation condition. If user A has a total of 5 overdue times, it will be determined that the reference credit value does not meet the evaluation condition. If user A has 3 overdue times exceeding 10 days, it will be determined that the reference credit value does not meet the evaluation condition.

[0103] It can be seen that determining whether the reference credit value meets the evaluation condition based on the number of overdue times and / or the duration of a single overdue time of the target user is conducive to further improving the quality of user credit evaluation.

[0104] In a possible implementation, after step D1, if not, the target user may be asked to complete the application materials until the degree of completion of the application materials is greater than or equal to the second threshold.

[0105] Consistent with the above-described embodiment, Figure 3 As shown, Figure 3 This is a functional unit block diagram of a user credit value assessment device provided by an embodiment of the present application. Figure 3 In the embodiment, the user credit value evaluation device 300 is applied to a server in a financial service system, and the financial service system further includes a terminal device that is connected to the server for communication. The user credit value evaluation device 300 includes:

[0106] The first acquisition unit 301 is used to acquire a credit evaluation request from the terminal device, the credit evaluation request carrying a reference credit value and an application record, the reference credit value being used to represent the market value of the target user's expected credit in the target transaction market;

[0107] A second acquisition unit 302 is used to acquire the transaction information of the target user in the target transaction market according to the credit evaluation request;

[0108] A determination unit 303 is used to determine whether the reference credit value meets the evaluation condition based on the application type in the application record and the transaction information, the application type including passive application and active application, the active application refers to a credit evaluation application based on the recommendation of other users, and the passive application refers to a credit evaluation application without the recommendation of other users;

[0109] An evaluation unit 304 is configured to generate a credit value evaluation report of the target user in the target transaction market according to the reference credit value;

[0110] The sending unit 305 is used to send the credit value assessment report to the terminal device.

[0111] In a possible implementation, the transaction information includes at least one of the following: economic strength information, user status information, digital currency borrowing application information, digital currency borrowing information, digital currency return information, digital currency quota information, and competitive product information. The economic strength information is used to characterize the wealth reserve and wealth acquisition ability of the target user. The user status information is used to characterize the digital currency quota status, digital currency borrowing status, and digital currency return status of the target user. The digital currency borrowing application information is used to characterize the motivation and process of the target user in applying to borrow digital currency. The digital currency borrowing information is used to characterize the digital currency borrowing behavior of the target user. The digital currency return information is used to characterize the digital currency return behavior of the target user. The digital currency quota information is used to characterize the target user's cognition of the digital currency quota in the target trading market; the competitive product information is used to characterize the digital currency quota that at least one second merchant is currently willing to lend to the target user, and the first merchant is different from the second merchant.

[0112] In a possible implementation, in terms of determining whether the reference credit value meets the evaluation conditions based on the application type and the transaction information in the application record, the determination unit 303 is specifically used to: if the application type is an active application, determine whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a first threshold; if so, determine a first reference value based on the digital currency limit information; the first reference value refers to the highest digital currency value that the first merchant is willing to lend to the target user based on the digital currency limit of the target user; if the reference credit value is less than or equal to the first reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the first reference value, determine a second reference value based on the economic strength information; the second reference value refers to the highest digital currency value that the first merchant is willing to lend based on the economic strength of the target user; if the reference credit value is less than or equal to the second reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the second reference value, determine that the reference credit value does not meet the evaluation conditions.

[0113] In a possible implementation, the digital currency quota information includes at least one of the following: n target quota values ​​closest to the current time, m quota usage values ​​closest to the current time, n and m are positive integers, the target quota value refers to the highest digital currency value lent by the first merchant to the target user based on the request of the target user, and the quota usage value refers to the maximum value of the digital currency borrowed cumulatively by the target user in a single quota borrowing cycle; the first reference value includes one of the following: a third reference value, a fourth reference value, a maximum value in the target object, a minimum value in the target object, an average value of the target object, and a weighted average value of the target object; the target object includes two objects, the third reference value and the fourth reference value; the third reference value includes one of the following: the maximum value of the n target quota values, the average value of the n target quota values, and the weighted average value of the n target quota values; the fourth reference value includes one of the following: the maximum value of the n quota usage values, the average value of the n quota usage values, and the weighted average value of the n quota usage values.

[0114] In one possible implementation, the determination unit 303 is also used to: if the application type is a passive application, determine whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a second threshold, and the second threshold is less than the first threshold; if so, determine a fifth reference value based on the competing product information, and the fifth reference value includes: the average amount, maximum amount, and minimum amount that the at least one second merchant is currently willing to lend to the target user; if the reference credit value is less than or equal to the fifth reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the fifth reference value, determine the second reference value based on the economic strength information; if the reference credit value is less than or equal to the second reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the second reference value, determine that the reference credit value does not meet the evaluation conditions.

[0115] In one possible implementation, the determination unit 303 is further used to: before determining that the reference credit value meets the evaluation condition, determine the number of overtimes and the duration of a single overtime of the target user based on the digital currency return information; if the number of overtimes is less than p, and the number of times the overtime duration is greater than the preset duration is less than q, then determine that the reference credit value meets the evaluation condition; if the number of overtimes is greater than or equal to p, or the number of times the overtime duration is greater than the preset duration is greater than or equal to q, then determine that the reference credit value does not meet the evaluation condition, and p and q are both positive integers.

[0116] In a possible implementation, the economic strength information includes a first quantified value of the target user's fixed assets in the target trading market, a second quantified value of the target user's current assets in the target trading market, and a third quantified value of the target user's average monthly residual wealth in the target trading market; in terms of determining the second reference value based on the economic strength information, the determination unit 303 is specifically used to: calculate a first sum of the first quantified value and the second quantified value; based on the correspondence between the third quantified value and the target, determine a sixth reference value corresponding to the third quantified value, the sixth reference value refers to the highest digital currency value that the first merchant is willing to lend to the target user based on the third quantified value, and the target correspondence includes the correspondence between the third quantified value and the sixth reference value; determine the second sum of the first sum and the sixth reference value as the second reference value.

[0117] It can be understood that since the method embodiment and the device embodiment are different presentation forms of the same technical concept, the content of the method embodiment part in this application should be synchronously adapted to the device embodiment part and will not be repeated here.

[0118] In the case of an integrated unit, such as Figure 4 As shown, Figure 4 This is a functional unit block diagram of another user credit value assessment device provided by an embodiment of the present application. Figure 4 In the embodiment, the user credit value assessment device 410 includes: a processing module 412 and a communication module 411.

[0119] The processing module 412 is used to obtain a credit evaluation request from the terminal device through the communication module 411, the credit evaluation request carries a reference credit value and an application record, the reference credit value is used to characterize the market value of the target user's expected credit in the target trading market; according to the credit evaluation request, obtain the transaction information of the target user in the target trading market; based on the application type and the transaction information in the application record, determine whether the reference credit value meets the evaluation conditions, the application type includes passive application and active application, the active application refers to a credit evaluation application based on the recommendation of other users, and the passive application refers to a credit evaluation application not recommended by other users; if so, generate a credit value evaluation report of the target user in the target trading market based on the reference credit value; and send the credit value evaluation report to the terminal device through the communication module 411.

[0120] In a possible implementation, the transaction information includes at least one of the following: economic strength information, user status information, digital currency borrowing application information, digital currency borrowing information, digital currency return information, digital currency quota information, and competitive product information. The economic strength information is used to characterize the wealth reserve and wealth acquisition ability of the target user. The user status information is used to characterize the digital currency quota status, digital currency borrowing status, and digital currency return status of the target user. The digital currency borrowing application information is used to characterize the motivation and process of the target user in applying to borrow digital currency. The digital currency borrowing information is used to characterize the digital currency borrowing behavior of the target user. The digital currency return information is used to characterize the digital currency return behavior of the target user. The digital currency quota information is used to characterize the target user's cognition of the digital currency quota in the target trading market; the competitive product information is used to characterize the digital currency quota that at least one second merchant is currently willing to lend to the target user, and the first merchant is different from the second merchant.

[0121] In a possible implementation, in terms of determining whether the reference credit value meets the evaluation conditions based on the application type and the transaction information in the application record, the processing module 412 is specifically used to: if the application type is an active application, determine whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a first threshold; if so, determine a first reference value based on the digital currency limit information; the first reference value refers to the highest digital currency value that the first merchant is willing to lend to the target user based on the digital currency limit of the target user; if the reference credit value is less than or equal to the first reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the first reference value, determine a second reference value based on the economic strength information; the second reference value refers to the highest digital currency value that the first merchant is willing to lend based on the economic strength of the target user; if the reference credit value is less than or equal to the second reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the second reference value, determine that the reference credit value does not meet the evaluation conditions.

[0122] In a possible implementation, the digital currency quota information includes at least one of the following: n target quota values ​​closest to the current time, m quota usage values ​​closest to the current time, n and m are positive integers, the target quota value refers to the highest digital currency value lent by the first merchant to the target user based on the request of the target user, and the quota usage value refers to the maximum value of the digital currency borrowed cumulatively by the target user in a single quota borrowing cycle; the first reference value includes one of the following: a third reference value, a fourth reference value, a maximum value in the target object, a minimum value in the target object, an average value of the target object, and a weighted average value of the target object; the target object includes two objects, the third reference value and the fourth reference value; the third reference value includes one of the following: the maximum value of the n target quota values, the average value of the n target quota values, and the weighted average value of the n target quota values; the fourth reference value includes one of the following: the maximum value of the n quota usage values, the average value of the n quota usage values, and the weighted average value of the n quota usage values.

[0123] In one possible implementation, the processing module 412 is also used to: if the application type is a passive application, determine whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a second threshold, and the second threshold is less than the first threshold; if so, determine a fifth reference value based on the competing product information, and the fifth reference value includes: the average amount, maximum amount, and minimum amount that the at least one second merchant is currently willing to lend to the target user; if the reference credit value is less than or equal to the fifth reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the fifth reference value, determine the second reference value based on the economic strength information; if the reference credit value is less than or equal to the second reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the second reference value, determine that the reference credit value does not meet the evaluation conditions.

[0124] In one possible implementation, the processing module 412 is also used to: before determining that the reference credit value meets the evaluation condition, determine the number of overdue times and the duration of a single overdue time of the target user based on the digital currency return information; if the number of overdue times is less than p, and the number of times the overdue duration is greater than the preset duration is less than q, then determine that the reference credit value meets the evaluation condition; if the number of overdue times is greater than or equal to p, or the number of times the overdue duration is greater than the preset duration is greater than or equal to q, then determine that the reference credit value does not meet the evaluation condition, and p and q are both positive integers.

[0125] In a possible implementation, the economic strength information includes a first quantified value of the target user's fixed assets in the target trading market, a second quantified value of the target user's current assets in the target trading market, and a third quantified value of the target user's average monthly residual wealth in the target trading market; in terms of determining the second reference value based on the economic strength information, the processing module 412 is specifically used to: calculate a first sum of the first quantified value and the second quantified value; based on the correspondence between the third quantified value and the target, determine a sixth reference value corresponding to the third quantified value, the sixth reference value refers to the highest digital currency value that the first merchant is willing to lend to the target user based on the third quantified value, and the target correspondence includes the correspondence between the third quantified value and the sixth reference value; determine the second sum of the first sum and the sixth reference value as the second reference value.

[0126] For example, the processing module 412 executes some steps in the first acquisition unit 301, the second acquisition unit 302, the determination unit 303, and the evaluation unit 304, and / or other processes for executing the technology described herein. The communication module 411 is used to support the interaction between the user credit value evaluation device 410 and other devices. Figure 4 As shown, the user credit value assessment device 410 may further include a storage module 413 , and the storage module 413 is used to store program codes and data of the user credit value assessment device 410 .

[0127] Among them, the processing module 412 can be a processor or a controller, for example, a central processing unit (CPU), a general processor, a digital signal processor (DSP), an ASIC, an FPGA or other programmable logic device, a transistor logic device, a hardware component or any combination thereof. It can implement or execute various exemplary logic blocks, modules and circuits described in conjunction with the disclosure of this application. The processor can also be a combination that implements a computing function, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, and the like. The communication module 411 can be a transceiver, an RF circuit or a communication interface, and the like. The storage module 413 can be a memory.

[0128] All relevant contents of each scenario involved in the above method embodiment can be referred to the functional description of the corresponding functional module, which will not be repeated here. Figure 2 The user credit value assessment method shown.

[0129] The above embodiments can be implemented in whole or in part by software, hardware, firmware or any other combination. When implemented using software, the above embodiments can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions or computer programs. When a computer instruction or computer program is loaded or executed on a computer, a process or function according to an embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. Computer instructions can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, computer instructions can be transmitted from one website site, computer, server or data center to another website site, computer, server or data center by wired or wireless means. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center containing one or more available media sets. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium. The semiconductor medium can be a solid-state hard disk.

[0130] Figure 5 is a structural block diagram of a server provided in an embodiment of the present application. Figure 5 As shown, the server 11 may include one or more of the following components: a processor 501, a memory 502 coupled to the processor 501, wherein the memory 502 may store one or more computer programs, and the one or more computer programs may be configured to implement the following operations when executed by one or more processors 501: obtaining a credit evaluation request from the terminal device, the credit evaluation request carrying a reference credit value and an application record, the reference credit value being used to characterize the market value of the target user's expected credit in the target trading market; obtaining the transaction information of the target user in the target trading market according to the credit evaluation request; determining whether the reference credit value meets the evaluation condition based on the application type and the transaction information in the application record, the application type including passive application and active application, the active application refers to a credit evaluation application based on the recommendation of other users, and the passive application refers to a credit evaluation application without the recommendation of other users; if yes, generating a credit value evaluation report of the target user in the target trading market according to the reference credit value; and sending the credit value evaluation report to the terminal device. The server 11 may be a server in the above-mentioned financial service system.

[0131] In a possible implementation, the transaction information includes at least one of the following: economic strength information, user status information, digital currency borrowing application information, digital currency borrowing information, digital currency return information, digital currency quota information, and competitive product information. The economic strength information is used to characterize the wealth reserve and wealth acquisition ability of the target user. The user status information is used to characterize the digital currency quota status, digital currency borrowing status, and digital currency return status of the target user. The digital currency borrowing application information is used to characterize the motivation and process of the target user in applying to borrow digital currency. The digital currency borrowing information is used to characterize the digital currency borrowing behavior of the target user. The digital currency return information is used to characterize the digital currency return behavior of the target user. The digital currency quota information is used to characterize the target user's cognition of the digital currency quota in the target trading market; the competitive product information is used to characterize the digital currency quota that at least one second merchant is currently willing to lend to the target user, and the first merchant is different from the second merchant.

[0132] In a possible implementation, in terms of determining whether the reference credit value meets the evaluation conditions based on the application type and the transaction information in the application record, one or more computer programs may be configured to implement the following operations when executed by one or more processors 501: if the application type is an active application, determine whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a first threshold; if so, determine a first reference value based on the digital currency limit information; the first reference value refers to the highest digital currency value that the first merchant is willing to lend to the target user based on the digital currency limit of the target user; if the reference credit value is less than or equal to the first reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the first reference value, determine a second reference value based on the economic strength information; the second reference value refers to the highest digital currency value that the first merchant is willing to lend based on the economic strength of the target user; if the reference credit value is less than or equal to the second reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the second reference value, determine that the reference credit value does not meet the evaluation conditions.

[0133] In a possible implementation, the digital currency quota information includes at least one of the following: n target quota values ​​closest to the current time, m quota usage values ​​closest to the current time, n and m are positive integers, the target quota value refers to the highest digital currency value lent by the first merchant to the target user based on the request of the target user, and the quota usage value refers to the maximum value of the digital currency borrowed cumulatively by the target user in a single quota borrowing cycle; the first reference value includes one of the following: a third reference value, a fourth reference value, a maximum value in the target object, a minimum value in the target object, an average value of the target object, and a weighted average value of the target object; the target object includes two objects, the third reference value and the fourth reference value; the third reference value includes one of the following: the maximum value of the n target quota values, the average value of the n target quota values, and the weighted average value of the n target quota values; the fourth reference value includes one of the following: the maximum value of the n quota usage values, the average value of the n quota usage values, and the weighted average value of the n quota usage values.

[0134] In one possible implementation, one or more computer programs may also be configured to implement the following operations when executed by one or more processors 501: if the application type is a passive application, determine whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a second threshold, and the second threshold is less than the first threshold; if so, determine a fifth reference value based on the competitive product information, and the fifth reference value includes: the average amount, maximum amount, and minimum amount that the at least one second merchant is currently willing to lend to the target user; if the reference credit value is less than or equal to the fifth reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the fifth reference value, determine the second reference value based on the economic strength information; if the reference credit value is less than or equal to the second reference value, determine that the reference credit value meets the evaluation conditions; if the reference credit value is greater than the second reference value, determine that the reference credit value does not meet the evaluation conditions.

[0135] In one possible implementation, one or more computer programs may also be configured to perform the following operations when executed by one or more processors 501: before determining that the reference credit value meets the evaluation condition, determine the number of overdue times and the duration of a single overdue time for the target user based on the digital currency return information; if the number of overdue times is less than p, and the number of times the overdue duration is greater than the preset duration is less than q, then determine that the reference credit value meets the evaluation condition; if the number of overdue times is greater than or equal to p, or the number of times the overdue duration is greater than the preset duration is greater than or equal to q, then determine that the reference credit value does not meet the evaluation condition, and p and q are both positive integers.

[0136] In one possible implementation, the economic strength information includes a first quantified value of the target user's fixed assets in the target trading market, a second quantified value of the target user's current assets in the target trading market, and a third quantified value of the target user's average monthly residual wealth in the target trading market; in terms of determining the second reference value based on the economic strength information, one or more computer programs can be configured to implement the following operations when executed by one or more processors 501: calculate a first sum of the first quantified value and the second quantified value; based on the correspondence between the third quantified value and the target, determine a sixth reference value corresponding to the third quantified value, the sixth reference value referring to the highest digital currency value that the first merchant is willing to lend to the target user based on the third quantified value, the target correspondence including the correspondence between the third quantified value and the sixth reference value; determine the second sum of the first sum and the sixth reference value as the second reference value.

[0137] The processor 501 may include one or more processing cores. The processor 501 uses various interfaces and lines to connect various parts of the entire server 11, and executes various functions and processes data of the server 11 by running or executing instructions, programs, code sets or instruction sets stored in the memory 502, and calling data stored in the memory 502. Optionally, the processor 501 can be implemented in at least one hardware form of digital signal processing (DSP), field-programmable gate array (FPGA), and programmable logic array (PLA). The processor 501 can integrate one or a combination of a central processing unit (CPU), a graphics processing unit (GPU), and a modem. Among them, the CPU mainly processes the operating system, passenger interface, and application programs; the GPU is responsible for rendering and drawing display content; and the modem is used to process wireless communications. It can be understood that the above-mentioned modem may not be integrated into the processor 501, but may be implemented separately through a communication chip.

[0138] The memory 502 may include a random access memory (RAM) or a read-only memory (ROM). The memory 502 may be used to store instructions, programs, codes, code sets or instruction sets. The memory 502 may include a program storage area and a data storage area, wherein the program storage area may store instructions for implementing an operating system, instructions for implementing at least one function (such as a touch function, a sound playback function, an image playback function, etc.), instructions for implementing the above-mentioned various method embodiments, etc. The data storage area may also store data created by the server 11 during use, etc.

[0139] It is understandable that the server 11 may include more or fewer structural elements than those in the above structural block diagram, for example, including a power module, physical buttons, a WiFi (Wireless Fidelity) module, a speaker, a Bluetooth module, a sensor, etc., which are not limited here.

[0140] An embodiment of the present application also provides a computer storage medium, on which a computer program / instruction is stored. When the computer program / instruction is executed by a processor, part or all of the steps of any method recorded in the above method embodiments are implemented.

[0141] An embodiment of the present application also provides a computer program product, including a computer program / instruction, which, when executed by a processor, implements the steps of the method described in the first aspect of the embodiment of the present application.

[0142] It should be understood that in the various embodiments of the present application, the size of the serial numbers of the above-mentioned processes does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present application.

[0143] In the several embodiments provided in the present application, it should be understood that the disclosed methods, devices and systems can be implemented in other ways. For example, the device embodiments described above are merely schematic; for example, the division of the units is only a logical function division, and there may be other division methods in actual implementation; for example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0144] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0145] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may be physically included separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of hardware plus software functional units.

[0146] The above-mentioned integrated unit implemented in the form of a software functional unit can be stored in a computer-readable storage medium. The above-mentioned software functional unit is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform some steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: a USB flash drive, a mobile hard disk, a magnetic disk, an optical disk, a volatile memory or a non-volatile memory. Among them, the non-volatile memory can be a read-only memory (ROM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM) or a flash memory. The volatile memory can be a random access memory (RAM), which is used as an external cache. By way of example but not limitation, many forms of random access memory (RAM) are available, such as static RAM (SRAM), dynamic random access memory (DRAM), synchronous DRAM (SDRAM), double data rate synchronous dynamic random access memory (DDRSDRAM), enhanced synchronous dynamic random access memory (ESDRAM), synchronous link DRAM (SLDRAM) and direct rambus RAM (DR RAM), etc., various media that can store program code.

[0147] Although the present invention is disclosed as above, the present invention is not limited thereto. Any person skilled in the art can easily think of changes or substitutions without departing from the spirit and scope of the present invention, and can make various changes and modifications, including the combination of the above-mentioned different functions and implementation steps, including software and hardware implementation methods, all of which are within the scope of protection of the present invention.

Claims

1. A method for evaluating user credit value, characterized in that: A server applied to a financial service system, wherein the financial service system further comprises a terminal device that is communicatively connected to the server, and the method comprises: Obtaining a credit evaluation request from the terminal device, the credit evaluation request carrying a reference credit value and an application record, the reference credit value being used to characterize the market value of the target user's expected credit in the target transaction market; Acquiring transaction information of the target user in the target transaction market according to the credit evaluation request; Based on the application type in the application record and the transaction information, determining whether the reference credit value meets the evaluation conditions, the application type includes passive application and active application, the active application refers to a credit evaluation application based on the recommendation of other users, and the passive application refers to a credit evaluation application without the recommendation of other users; If yes, generating a credit value assessment report of the target user in the target transaction market according to the reference credit value; The credit value assessment report is sent to the terminal device.

2. The method according to claim 1, characterized in that The transaction information includes at least one of the following: economic strength information, user status information, digital currency borrowing application information, digital currency borrowing information, digital currency return information, digital currency quota information, and competitive product information. The economic strength information is used to characterize the wealth reserve and wealth acquisition ability of the target user. The user status information is used to characterize the digital currency quota status, digital currency borrowing status, and digital currency return status of the target user. The digital currency borrowing application information is used to characterize the motivation and process of the target user's application for borrowing digital currency. The digital currency borrowing information is used to characterize the digital currency borrowing behavior of the target user. The digital currency return information is used to characterize the digital currency return behavior of the target user. The digital currency quota information is used to characterize the target user's cognition of the digital currency quota in the target trading market. The competing product information is used to characterize the amount of digital currency that at least one second merchant is currently willing to lend to the target user, and the first merchant is different from the second merchant.

3. The method according to claim 2, characterized in that The determining, based on the application type in the application record and the transaction information, whether the reference credit value satisfies an evaluation condition includes: If the application type is an active application, determining whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a first threshold; If yes, determining a first reference value according to the digital currency limit information; the first reference value refers to the highest digital currency value that the first merchant is willing to lend to the target user based on the digital currency limit of the target user; If the reference credit value is less than or equal to the first reference value, determining that the reference credit value satisfies the evaluation condition; If the reference credit value is greater than the first reference value, a second reference value is determined according to the economic strength information; the second reference value refers to the highest digital currency value that the first merchant is willing to lend based on the economic strength of the target user; If the reference credit value is less than or equal to the second reference value, determining that the reference credit value satisfies the evaluation condition; If the reference credit value is greater than the second reference value, it is determined that the reference credit value does not satisfy the evaluation condition.

4. The method according to claim 3, characterized in that The digital currency quota information includes at least one of the following: n target quota values ​​closest to the current time, and m quota usage values ​​closest to the current time, where n and m are positive integers, the target quota value refers to the highest digital currency value lent by the first merchant to the target user based on the request of the target user, and the quota usage value refers to the maximum value of digital currency borrowed by the target user in a single quota borrowing cycle; The first reference value includes one of the following: a third reference value, a fourth reference value, a maximum value in a target object, a minimum value in a target object, an average value of a target object, and a weighted average value of a target object; the target object includes two objects, the third reference value and the fourth reference value; The third reference value includes one of the following: a maximum value among the n target credit values, an average value of the n target credit values, or a weighted average value of the n target credit values; The fourth reference value includes one of the following: a maximum value among the n credit usage values, an average value of the n credit usage values, and a weighted average value of the n credit usage values.

5. The method according to claim 3, characterized in that: The method further comprises: If the application type is a passive application, determining whether the degree of completion of the application materials in the digital currency borrowing application information is greater than or equal to a second threshold, and the second threshold is less than the first threshold; If yes, determining a fifth reference value according to the competitive product information, the fifth reference value comprising: an average amount, a maximum amount, and a minimum amount that the at least one second merchant is currently willing to lend to the target user; If the reference credit value is less than or equal to the fifth reference value, determining that the reference credit value satisfies the evaluation condition; If the reference credit value is greater than the fifth reference value, determining a second reference value according to the economic strength information; If the reference credit value is less than or equal to the second reference value, determining that the reference credit value satisfies the evaluation condition; If the reference credit value is greater than the second reference value, it is determined that the reference credit value does not satisfy the evaluation condition.

6. The method according to claim 3, characterized in that Before determining that the reference credit value satisfies the evaluation condition, the method further includes: Determine the number of overdue times and the duration of a single overdue time for the target user according to the digital currency return information; If the number of overdue times is less than p, and the number of times the overdue duration is greater than the preset duration is less than q, it is determined that the reference credit value meets the evaluation condition; If the number of overdue times is greater than or equal to p, or the number of overdue durations greater than the preset duration is greater than or equal to q, it is determined that the reference credit value does not meet the evaluation condition, and both p and q are positive integers.

7. The method according to any one of claims 3 to 6, characterized in that: The economic strength information includes the first quantified value of the fixed assets of the target user in the target trading market, the second quantified value of the current assets of the target user in the target trading market, and the third quantified value of the average monthly remaining wealth of the target user in the target trading market; The determining the second reference value according to the economic strength information includes: Calculating a first sum of the first quantified value and the second quantified value; Based on the correspondence between the third quantified value and the target, determine a sixth reference value corresponding to the third quantified value, the sixth reference value being the highest digital currency value that the first merchant is willing to lend to the target user based on the third quantified value, and the target correspondence includes a correspondence between the third quantified value and the sixth reference value; A second sum of the first sum and the sixth reference value is determined as a second reference value.

8. A user credit value assessment device, characterized in that: A server applied to a financial service system, wherein the financial service system further comprises a terminal device communicating with the server, wherein the device comprises: A first acquisition unit is used to acquire a credit evaluation request from the terminal device, the credit evaluation request carries a reference credit value and an application record, the reference credit value is used to represent the market value of the target user's expected credit in the target transaction market; A second acquisition unit, configured to acquire transaction information of the target user in the target transaction market according to the credit evaluation request; a determination unit, configured to determine whether the reference credit value satisfies an evaluation condition based on the application type in the application record and the transaction information, wherein the application type includes a passive application and an active application, wherein the active application refers to a credit evaluation application based on a recommendation of other users, and the passive application refers to a credit evaluation application without a recommendation of other users; an evaluation unit, configured to generate a credit value evaluation report of the target user in the target transaction market according to the reference credit value; A sending unit is used to send the credit value assessment report to the terminal device.

9. A server, characterized in that: The method comprises a processor and a memory, wherein the memory is used to store one or more programs and is configured to be executed by the processor, wherein the programs include instructions for executing the steps in the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: A computer program for electronic data exchange is stored, wherein the computer program enables a computer to execute the method according to any one of claims 1 to 7.

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