Credit line calculation method and device, equipment and storage medium

Abstract

The invention relates to the technical field of privacy calculation, in particular to a credit line calculation method and device, equipment and a storage medium, and the method comprises the steps: obtaining a public key corresponding to a customer identification number provided by a data provider; determining a target certificate number, generating a random number sequence based on the target certificate number, and obtaining an encryption sequence based on the random number sequence and the public key; sending the encrypted sequence to the data provider, so that the data provider processes the encrypted sequence based on a private key corresponding to the public key and a client identification number to obtain a provider processing result; and calculating a credit line based on the provider processing result, the random number sequence and the target certificate number. According to the invention, the bank can realize effective information interaction with the third-party data platform while ensuring the privacy of customer information.

Description

Technical Field

[0001] This application relates to the field of privacy computing technology, and particularly to a method, device, equipment and storage medium for calculating credit limits. Background Art

[0002] Some customers of banks have the need for financing. For this reason, they need to apply for corresponding services to the bank, such as loan services. After receiving the customer's application, the bank needs to first evaluate the customer, and then calculate the credit limit that can be granted to the customer based on the evaluation result, that is, to realize the calculation of the credit limit for the customer.

[0003] During the process of the customer interacting with the data interface of the third-party data platform (such as local departments of agriculture and rural affairs, local agricultural insurance companies) through the three elements of the identity certificate provided by the customer (name, certificate type, certificate number), the third-party data platform will collect data characteristics related to the customer; during the process of testing the credit limit of the customer, obtain data characteristics related to the customer from the third-party data platform, and calculate the credit limit of the customer based on the data characteristics.

[0004] However, with the continuous introduction of laws related to personal information protection, the requirements of the government, banks, and third-party data platforms for customer information protection are becoming increasingly strict. When calculating the credit limit of customers, banks are difficult to directly obtain the plaintext data characteristics related to customers from the third-party data platform, resulting in banks being difficult to achieve effective information interaction with the third-party data platform while ensuring customer information privacy. Summary of the Invention

[0005] In order to facilitate banks to achieve effective information interaction with the third-party data platform while ensuring customer information privacy, this application provides a method, device, equipment and storage medium for calculating credit limits.

[0006] In a first aspect, this application provides a method for calculating a credit limit, including:

[0007] Obtain the public key corresponding to the customer's certificate number provided by the data provider;

[0008] Determine the target certificate number, generate a random number sequence based on the target certificate number, and obtain an encrypted sequence based on the random number sequence and the public key;

[0009] Send the encrypted sequence to the data provider, so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer's certificate number to obtain the provider processing result;

[0010] Calculate the credit limit based on the provider processing result, the random number sequence, and the target certificate number.

[0011] Through the above implementation, when both the data provider and the query party are conducting information interaction regarding customers, the information of customers in plaintext is not interacted. In this way, it is convenient for the bank to achieve effective information interaction with the third-party data platform while ensuring the privacy of customer information.

[0012] Preferably, generating the random number sequence based on the target identification number includes:

[0013] Processing the target identification number based on a preset pseudo-random number generation function to generate a random number sequence.

[0014] Through the above implementation, it is convenient to generate an encrypted sequence in an encrypted state based on the random number sequence and the public key subsequently, so that it is difficult for the data query party to know the specific customer identification number, thereby realizing the protection of customer privacy information.

[0015] Preferably, calculating the credit limit based on the provider processing result, the random number sequence, and the target identification number includes:

[0016] Performing a logical operation on the provider processing result and the random number sequence to obtain a query party processing result;

[0017] Calculating the credit limit based on the query party processing result and the target identification number.

[0018] Through the above implementation, by obtaining the query party processing result, it is convenient to calculate the credit limit based on the query party processing result and the target identification number subsequently.

[0019] Preferably, calculating the credit limit based on the query party processing result and the target identification number includes:

[0020] In response to the query party processing result being consistent with the target identification number, obtaining the customer label corresponding to the target identification number;

[0021] Inputting the customer label into a preset rating model for processing to obtain a rating score;

[0022] Determining the credit limit based on the rating score.

[0023] Through the above implementation, it is convenient to obtain the customer label and accurately calculate the credit limit matching the customer while protecting the customer privacy information.

[0024] In a second aspect, the present application provides a method for calculating a credit limit, including:

[0025] Sending the public key corresponding to the customer identification number to the query party, so that the query party determines the target identification number, generates a random number sequence based on the target identification number, and obtains an encrypted sequence based on the random number sequence and the public key;

[0026] Process the obtained encrypted sequence based on the private key corresponding to the customer identification number and the customer identification number corresponding to the private key to obtain the provider processing result;

[0027] Send the provider processing result to the querying party, so that the querying party calculates the credit limit based on the provider processing result, the random number sequence, and the target identification number.

[0028] Through the above implementation, when both the data provider and the querying party are performing information interaction related to the customer, they do not interact with the customer information in plaintext. In this way, it is convenient for the bank to achieve effective information interaction with the third-party data platform while ensuring the privacy of customer information.

[0029] Preferably, the process of processing the obtained encrypted sequence based on the private key corresponding to the customer identification number and the customer identification number corresponding to the private key to obtain the provider processing result includes:

[0030] Decrypt the obtained encrypted sequence based on the private key corresponding to the customer identification number to obtain the random number sequence;

[0031] Perform a logical operation on the customer identification number corresponding to the private key and the random number sequence to obtain the provider processing result.

[0032] Through the above implementation, the customer identification number can be encrypted and then sent to the querying party, which is convenient for protecting customer privacy information.

[0033] In a third aspect, the present application provides a credit limit calculation device, including:

[0034] A public key acquisition module, configured to acquire the public key corresponding to the customer identification number provided by the data provider;

[0035] A sequence calculation module, configured to determine the target identification number, generate a random number sequence based on the target identification number, and obtain an encrypted sequence based on the random number sequence and the public key;

[0036] A sequence sending module, configured to send the encrypted sequence to the data provider, so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer identification number to obtain the provider processing result;

[0037] A credit limit calculation module, configured to calculate the credit limit based on the provider processing result, the random number sequence, and the target identification number.

[0038] Through the above implementation, when both the data provider and the query party are conducting information interaction related to customers, they do not interact with the customer information in plain text. This facilitates the bank to ensure the privacy of customer information while also enabling effective information interaction with the third-party data platform.

[0039] Fourthly, the present application provides a credit limit calculation device, including:

[0040] A public key sending module, configured to send the public key corresponding to the customer ID number to the query party, so that the query party determines the target ID number, generates a random number sequence based on the target ID number, and obtains an encrypted sequence based on the random number sequence and the public key;

[0041] A result calculation module, configured to process the obtained encrypted sequence based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain the provider processing result;

[0042] A result sending module, configured to send the provider processing result to the query party, so that the query party calculates the credit limit based on the provider processing result, the random number sequence, and the target ID number.

[0043] Through the above implementation, when both the data provider and the query party are conducting information interaction related to customers, they do not interact with the customer information in plain text. This facilitates the bank to ensure the privacy of customer information while also enabling effective information interaction with the third-party data platform.

[0044] Fifthly, the present application provides a computer device. The computer device includes a memory and a processor. The memory stores a computer program, and when the processor executes the computer program, the steps in the above method are implemented.

[0045] Sixthly, the present application provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above method are implemented.

[0046] Seventhly, the present application further provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the steps in any of the above method embodiments are implemented.

[0047] The above-mentioned credit limit calculation method, device, equipment and storage medium obtain the public key corresponding to the customer ID number provided by the data provider; determine the target ID number, generate a random number sequence based on the target ID number, and obtain an encrypted sequence based on the random number sequence and the public key; send the encrypted sequence to the data provider so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer ID number to obtain the provider processing result; calculate the credit limit based on the provider processing result, the random number sequence and the target ID number; or send the public key corresponding to the customer ID number to the query party so that the query party determines the target ID number, generates a random number sequence based on the target ID number, and obtains an encrypted sequence based on the random number sequence and the public key; process the obtained encrypted sequence based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain the provider processing result; send the provider processing result to the query party so that the query party calculates the credit limit based on the provider processing result, the random number sequence and the target ID number. Through the above implementation, when both the data provider and the query party are performing information interaction related to the customer, they do not interact with the customer's information in plain text. In this way, it is convenient for the bank to ensure the privacy of the customer's information while realizing effective information interaction with the third-party data platform.

[0048] It should be understood that the content described in this part is not intended to identify the key or important features of the embodiments of the present application, nor is it used to limit the scope of the present application. Other features of the present application will become easily understood through the following description. Brief Description of the Drawings

[0049] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following will briefly introduce the drawings required for the embodiments. It should be understood that the following drawings only show some embodiments of the present invention, and therefore should not be regarded as limiting the scope. For those of ordinary skill in the art, without creative efforts, other related drawings can also be obtained based on these drawings.

[0050] Figure 1 It is a flowchart of a credit limit calculation method provided in an embodiment of the present application;

[0051] Figure 2 It is a flowchart of another credit limit calculation method provided in an embodiment of the present application;

[0052] Figure 3 It is a schematic structural diagram of a credit limit calculation device provided in an embodiment of the present application;

[0053] Figure 4It is a schematic structural diagram of another credit limit calculation device provided in the embodiments of the present application;

[0054] Figure 5 It is a schematic structural diagram of a computer device provided in the embodiments of the present application;

[0055] Figure 6 It is an internal structure diagram of a computer-readable storage medium provided in the embodiments of the present application. Detailed implementation manners

[0056] In order to make the objectives, technical solutions and advantages of the present disclosure clearer, the present disclosure will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present disclosure, and are not used to limit the present disclosure.

[0057] It should be noted that the terms "first", "second", etc. in the specification and claims of this article and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily need to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, device, product or equipment including a series of steps or units does not necessarily need to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products or equipment.

[0058] In this article, the term "and / or" is only a correlation relationship describing associated objects, indicating that three relationships can exist. For example, A and / or B can represent: A exists alone, A and B exist simultaneously, and B exists alone. In addition, the character " / " in this article generally represents an "or" relationship between the associated objects before and after.

[0059] Embodiment 1

[0060] Figure 1 It is a flowchart of a credit limit calculation method provided in Embodiment 1 of the present application. Refer to Figure 1 , this method can be executed by a device that executes this method, and this device can be implemented in a software and / or hardware manner. This method includes:

[0061] S110. Obtain the public key corresponding to the customer ID number provided by the data provider.

[0062] It should be noted that in this embodiment, the query party is used as the execution subject to execute the method provided in this embodiment.

[0063] Among them, when a bank calculates the credit limit for a customer, it needs to obtain data related to the customer's credit from a third-party data platform; for example, the third-party data platform includes local departments of agriculture and rural affairs, local agricultural insurance companies, etc.; at this time, the third-party data platform acts as the data provider, and the bank acts as the querying party; in the historical information interaction with the customer, the third-party data platform collects and stores data related to the customer's credit; in this embodiment, the data related to the customer's credit includes the customer's ID number and the customer label and public-private key pair corresponding to the customer's ID number, where the customer's ID number is the ID card number in this embodiment, and the public-private key pair includes a pair of public keys and private keys, and the pair of public keys and private keys in the public-private key pair correspond to each other; before the querying party calculates the customer's credit limit, the data provider sends all the public keys corresponding to the customer's ID numbers it stores to the querying party; the querying party obtains all the public keys corresponding to the customer's ID numbers sent by the data provider.

[0064] Specifically, the querying party obtains all the public keys corresponding to the customer's ID numbers sent by the data provider.

[0065] S120. Determine the target ID number, generate a random number sequence based on the target ID number, and obtain an encrypted sequence based on the random number sequence and the public key.

[0066] Among them, the target ID number is the customer's ID number of the customer for whom the credit limit needs to be calculated; if a customer needs to calculate the credit limit, it provides its own customer ID number to the querying party, and the querying party determines this customer ID number as the target ID number; subsequently, the querying party can perform corresponding encryption processing on the target ID number to generate a random number sequence corresponding to the target ID number; the querying party has obtained all the public keys of the customer ID numbers of all customers provided by the data provider, that is, the querying party also has the public key corresponding to the target ID number at this time, so the querying party can perform certain processing on the public key corresponding to the target ID number and the random number sequence to obtain an encrypted sequence, so as to further encrypt the already processed encrypted random number sequence; the encrypted sequence is subsequently used to be sent to the data provider; since the encrypted sequence is in an encrypted state, it is difficult for the data encrypting party to know the corresponding target ID number, thus facilitating the protection of the customer's privacy information.

[0067] Specifically, the querying party uses the customer ID number of the customer for whom the credit limit needs to be calculated as the target ID number, and then performs encryption processing on the target ID number to obtain a random number sequence; further, the querying party also obtains the public key of the target ID number and performs processing on the public key of the target ID number and the random number sequence to obtain an encrypted sequence.

[0068] S130. Send the encrypted sequence to the data provider so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer identification number to obtain the provider processing result.

[0069] Among them, the encrypted sequence is used to be sent by the querying party to the data provider; the data provider prestores the public key used to generate this encrypted sequence, and this public key has its corresponding private key, and the private key corresponding to this public key has its corresponding customer identification number; at the data provider, the private key corresponding to the public key and the customer identification number corresponding to this private key can process the encrypted sequence, and the provider processing result is the result obtained after processing the encrypted sequence.

[0070] Specifically, the querying party sends the encrypted sequence to the data provider. In this way, the data provider can perform certain processing on the encrypted sequence according to the private key corresponding to the public key used to generate this encrypted sequence and the customer identification number corresponding to this private key, so as to obtain the provider processing result.

[0071] S140. Calculate the credit limit based on the provider processing result, the random number sequence, and the target identification number.

[0072] Among them, after the data provider calculates the provider processing result, it will further send this provider processing result to the querying party; then, the querying party performs corresponding processing on the obtained provider processing result, random number sequence, and target identification number, so as to calculate the credit limit of the corresponding customer.

[0073] Specifically, the querying party receives the provider processing result sent by the data provider, and then further processes the obtained provider processing result, random number sequence, and target identification number, so as to obtain the credit limit of the corresponding customer.

[0074] It should be noted that in this embodiment, by obtaining the public key corresponding to the customer identification number provided by the data provider; determining the target identification number, generating a random number sequence based on the target identification number, obtaining an encrypted sequence based on the random number sequence and the public key; sending the encrypted sequence to the data provider so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer identification number to obtain the provider processing result; calculating the credit limit based on the provider processing result, the random number sequence, and the target identification number. Through the above implementation, when both the data provider and the querying party are performing information interaction related to customers, they do not interact with the customer information in plain text. In this way, it is convenient for the bank to ensure the privacy of customer information while realizing effective information interaction with the third-party data platform.

[0075] Embodiment 2

[0076] A credit limit calculation method provided in the second embodiment of the present application optimizes the "generating a random number sequence based on the target document number" in the first embodiment; it should be noted that for parts not described in detail in this embodiment, reference can be made to the descriptions of other embodiments. The method includes:

[0077] S210. Obtain the public key corresponding to the customer document number provided by the data provider.

[0078] S220. Determine the target document number, generate a random number sequence by processing the target document number based on a preset pseudo-random number generation function, and obtain an encrypted sequence based on the random number sequence and the public key.

[0079] Among them, the query party presets a pseudo-random number generation function, which is used to process the determined target document number to obtain a random number sequence in an encrypted state.

[0080] Specifically, the query party determines the target document number, then inputs the target document number into the preset pseudo-random number generation function for processing, and then the pseudo-random number generation function outputs a random number sequence; further, the query party processes the random number sequence and the public key to obtain an encrypted sequence.

[0081] It should be noted that obtaining the random number sequence in the above manner is convenient for generating an encrypted sequence in an encrypted state based on the random number sequence and the public key in the following, so that it is difficult for the data query party to know the specific customer document number, so as to protect the customer's privacy information.

[0082] S230. Send the encrypted sequence to the data provider so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer document number to obtain the provider processing result.

[0083] S240. Calculate the credit limit based on the provider processing result, the random number sequence, and the target document number.

[0084] Embodiment Three

[0085] A credit limit calculation method provided in the third embodiment of the present application optimizes the "calculating the credit limit based on the provider processing result, the random number sequence, and the target document number" in the first embodiment; it should be noted that for parts not described in detail in this embodiment, reference can be made to the descriptions of other embodiments. The method includes:

[0086] S310. Obtain the public key corresponding to the customer document number provided by the data provider.

[0087] S320. Determine the target document number, generate a random number sequence based on the target document number, and obtain an encrypted sequence based on the random number sequence and the public key.

[0088] S330. Send the encrypted sequence to the data provider so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer document number to obtain a provider processing result.

[0089] S341. Perform a logical operation on the provider processing result and the random number sequence to obtain a query party processing result.

[0090] Wherein, the provider processing result is a sequence of numbers, and the sequence length of the provider processing result is the same as the sequence length of the random number sequence; in this embodiment, the logical operation is specifically an exclusive OR operation, and in other embodiments, it is not specifically limited; the provider processing result is the result obtained after performing a logical operation on the provider processing result and the random number sequence.

[0091] Specifically, after the query party obtains the provider processing result, it further performs an exclusive OR operation on the provider processing result and the random number sequence to obtain the query party processing result.

[0092] S342. Calculate the credit limit based on the query party processing result and the target document number.

[0093] Wherein, the query party can calculate the credit limit of the corresponding customer through the query party processing result and the target document number.

[0094] Specifically, the query party calculates the credit limit of the corresponding customer through the query party processing result and the target document number.

[0095] Embodiment Four

[0096] A credit limit calculation method provided in Embodiment Four of the present application optimizes the "calculating the credit limit based on the query party processing result and the target document number" in Embodiment Three; it should be noted that for parts not detailed in this embodiment, reference can be made to the descriptions of other embodiments. The method includes:

[0097] S410. Obtain the public key corresponding to the customer document number provided by the data provider.

[0098] S420. Determine the target document number, generate a random number sequence based on the target document number, and obtain an encrypted sequence based on the random number sequence and the public key.

[0099] S430. Send the encrypted sequence to the data provider so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer document number to obtain a provider processing result.

[0100] S441. Perform a logical operation on the provider processing result and the random number sequence to obtain the querier processing result.

[0101] S4421. In response to the querier processing result being consistent with the target document number, obtain the customer label corresponding to the target document number.

[0102] Among them, when the data provider sends the provider processing result, it also simultaneously sends the customer label corresponding to the customer document number used to generate this provider processing result. After the querier calculates the corresponding querier processing result based on the provider processing result, further, it determines whether this querier processing result is consistent with the target document number. If it is consistent, it means that the customer label sent simultaneously with the provider processing result that generates this querier processing result is the customer label corresponding to the customer corresponding to the target document number. This customer label can be subsequently used to calculate the credit limit corresponding to the customer.

[0103] Specifically, after the querier calculates the querier processing result, further, it determines whether this querier processing result is consistent with the target document number. If it is consistent, it obtains the customer label sent simultaneously with the provider processing result as the customer label corresponding to the target document number.

[0104] S4422. Input the customer label into a preset rating model for processing to obtain a rating score.

[0105] Among them, the rating model is a preset model. This rating model is used to process the customer label input into it and then output the rating score corresponding to this customer label. The rating score is used to determine the size of the credit limit. If the rating score is low, the credit limit is also low; conversely, if the rating score is high, the credit limit is also high.

[0106] Specifically, input the customer label corresponding to the target document number into a preset rating model for processing, and the rating model outputs the rating score corresponding to this customer label.

[0107] S4423. Determine the credit limit based on the rating score.

[0108] Among them, each rating score is pre-matched with a corresponding credit limit. By calculating the rating score, the credit limit corresponding to this rating score can be determined.

[0109] Example Five

[0110] Figure 2 This is a flowchart of a credit limit calculation method provided by Embodiment Five of this application. Refer to Figure 2, this method can be executed by a device that executes this method. The device can be implemented in software and / or hardware. The method includes:

[0111] S510. Send the public key corresponding to the customer ID number to the querying party, so that the querying party determines the target ID number, generates a random number sequence based on the target ID number, and obtains an encrypted sequence based on the random number sequence and the public key.

[0112] It should be noted that in this embodiment, the data provider is used as the execution entity to execute the method provided in this embodiment.

[0113] Among them, when a bank calculates the credit limit for a customer, it needs to obtain data related to the customer's credit from a third-party data platform; for example, the third-party data platform includes local departments of agriculture and rural affairs, local agricultural insurance companies, etc.; at this time, the third-party data platform is the data provider, and the bank is the querying party; in the historical information interaction between the third-party data platform and the customer, data related to the customer's credit is collected and stored; in this embodiment, the data related to the customer's credit includes the customer ID number and the customer label and public-private key pair corresponding to the customer ID number. Among them, the customer ID number is the ID card number in this embodiment, and the public-private key pair includes a pair of public keys and private keys, and the pair of public keys and private keys in the public-private key pair correspond to each other; before the querying party calculates the credit limit of the customer, the data provider sends all the public keys corresponding to the customer ID numbers it stores to the querying party; the querying party obtains all the public keys corresponding to the customer ID numbers sent by the data provider.

[0114] In addition, the target ID number is the customer ID number of the customer for whom the credit limit needs to be calculated; if a customer needs to calculate the credit limit, they provide their customer ID number to the querying party, and the querying party determines this customer ID number as the target ID number; subsequently, the querying party can perform corresponding encryption processing on the target ID number to generate a random number sequence corresponding to the target ID number; the querying party has obtained the public keys of all customers' ID numbers provided by the data provider, that is, the querying party also has the public key corresponding to the target ID number at this time. Therefore, the querying party can perform certain processing on the public key corresponding to the target ID number and the random number sequence to obtain an encrypted sequence, so as to further encrypt the already processed encrypted random number sequence; the encrypted sequence is subsequently used to be sent to the data provider; since the encrypted sequence is in an encrypted state, it is difficult for the data encrypting party to know the corresponding target ID number, thus facilitating the protection of the customer's privacy information.

[0115] Specifically, the data provider sends all the public keys corresponding to the customer ID numbers it stores to the querying party, so that the querying party can determine the target ID number, generate a random number sequence based on the target ID number, and obtain an encrypted sequence based on the random number sequence and the public key. The specific implementation of how the querying party determines the target ID number, generates a random number sequence based on the target ID number, and obtains an encrypted sequence based on the random number sequence and the public key can be seen in the specific description of step S120 in Embodiment 1, which will not be elaborated here.

[0116] S520. Process the obtained encrypted sequence based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain the provider processing result.

[0117] Among them, the encrypted sequence is used to be sent by the querying party to the data provider. The data provider pre-stores the public key used to generate this encrypted sequence, and this public key has its corresponding private key, and the private key corresponding to this public key has its corresponding customer ID number. At the data provider, the private key corresponding to this public key and the customer ID number corresponding to this private key can process the encrypted sequence, and the provider processing result is the result obtained after processing the encrypted sequence.

[0118] Specifically, the querying party sends the encrypted sequence to the data provider. In this way, the data provider can perform certain processing on the encrypted sequence according to the private key corresponding to the public key used to generate this encrypted sequence and the customer ID number corresponding to this private key, so as to obtain the provider processing result.

[0119] S530. Send the provider processing result to the querying party, so that the querying party calculates the credit limit based on the provider processing result, the random number sequence, and the target ID number.

[0120] Among them, after the data provider calculates the provider processing result, it will further send this provider processing result to the querying party. Then, the querying party performs corresponding processing on the obtained provider processing result, random number sequence, and target ID number, so as to calculate the credit limit of the corresponding customer.

[0121] Specifically, the querying party receives the provider processing result sent by the data provider, and then further processes the obtained provider processing result, random number sequence, and target ID number, so as to obtain the credit limit of the corresponding customer.

[0122] It should be noted that in this embodiment, the public key corresponding to the customer ID number is sent to the querying party, so that the querying party can determine the target ID number, generate a random number sequence based on the target ID number, and obtain an encrypted sequence based on the random number sequence and the public key; the encrypted sequence obtained is processed based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain the provider processing result; the provider processing result is sent to the querying party, so that the querying party can calculate the credit limit based on the provider processing result, the random number sequence, and the target ID number. Through the above implementation, when both the data provider and the querying party are performing information interaction related to the customer, the information of the customer in plain text is not interacted. In this way, it is convenient for the bank to ensure the privacy of customer information while realizing effective information interaction with the third-party data platform.

[0123] Embodiment Six

[0124] A credit limit calculation method provided by Embodiment Six of this application optimizes the "processing the obtained encrypted sequence based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain the provider processing result" in Embodiment Five; it should be noted that for parts not detailed in this embodiment, reference can be made to the descriptions of other embodiments. The method includes:

[0125] S610. Send the public key corresponding to the customer ID number to the querying party, so that the querying party can determine the target ID number, generate a random number sequence based on the target ID number, and obtain an encrypted sequence based on the random number sequence and the public key.

[0126] S621. Decrypt the obtained encrypted sequence based on the private key corresponding to the customer ID number to obtain the random number sequence.

[0127] Among them, the private key corresponding to the customer ID number is used to decrypt the encrypted sequence, and the random number sequence is the result obtained after decrypting the encrypted sequence with the private key corresponding to the customer ID number.

[0128] Specifically, the data provider can use each stored private key to decrypt the received encrypted sequence respectively. If a certain private key can decrypt the encrypted sequence, then use this private key as the private key corresponding to the customer ID number; the private key corresponding to the customer ID number decrypts the encrypted sequence to obtain the random number sequence.

[0129] S622. Perform a logical operation based on the customer ID number corresponding to the private key and the random number sequence to obtain the provider processing result.

[0130] Among them, in this embodiment, the logical operation is specifically an exclusive OR operation. In other embodiments, it is not specifically limited. The result processed by the provider is the result obtained by performing a logical operation on the customer ID number corresponding to the private key and the random number sequence.

[0131] Specifically, perform an exclusive OR operation on the customer ID number corresponding to the private key and the random number sequence to obtain the result processed by the provider.

[0132] It should be noted that through the above method, the customer ID number can be encrypted and then sent to the query party, which is convenient for protecting the customer's privacy information.

[0133] S630. Send the result processed by the provider to the query party so that the query party calculates the credit limit based on the result processed by the provider, the random number sequence, and the target ID number.

[0134] It should be understood that although the steps in the flowcharts involved in the above-described embodiments are shown in sequence according to the arrows, these steps do not necessarily need to be executed in the order indicated by the arrows. Unless otherwise clearly stated in this article, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, at least some of the steps in the flowcharts involved in the above-described embodiments may include multiple steps or multiple stages. These steps or stages do not necessarily need to be executed at the same time, but can be executed at different times. The execution order of these steps or stages does not necessarily need to be sequential, but can be executed alternately or in turn with at least some of the steps or stages in other steps or other steps.

[0135] Embodiment Seven

[0136] Based on the same inventive concept, this embodiment also provides a credit limit calculation device for implementing the credit limit calculation method described in Embodiment 1 above. The implementation solutions provided by this device to solve problems are similar to those described in the above method. Therefore, the specific limitations in one or more embodiments of the credit limit calculation device provided below can refer to the limitations on the credit limit calculation method in the above text, and will not be repeated here.

[0137] In this embodiment, as Figure 3 shown, a credit limit calculation device is provided, including:

[0138] A public key acquisition module, configured to acquire the public key corresponding to the customer ID number provided by the data provider;

[0139] A sequence calculation module, configured to determine the target ID number, generate a random number sequence based on the target ID number, and obtain an encrypted sequence based on the random number sequence and the public key;

[0140] A sequence sending module, configured to send the encrypted sequence to the data provider, so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer ID number to obtain a provider processing result;

[0141] A quota calculation module, configured to calculate a credit quota based on the provider processing result, the random number sequence, and the target ID number.

[0142] Each module in the above credit quota calculation device can be implemented in whole or in part by software, hardware, and their combination. Each of the above modules can be embedded in or independent of a processor in a computer device in the form of hardware, or stored in a memory in the computer device in the form of software, so that the processor can call and execute the operations corresponding to each of the above modules.

[0143] It should be noted that when both the data provider and the query party in this embodiment are performing information interaction related to the customer, they do not interact with the customer information in plain text, which facilitates the bank to ensure the privacy of customer information while realizing effective information interaction with the third-party data platform.

[0144] In one embodiment, in terms of generating a random number sequence based on the target ID number, the sequence calculation module is specifically configured to:

[0145] Process the target ID number based on a preset pseudo-random number generation function to generate a random number sequence.

[0146] In one embodiment, in terms of calculating a credit quota based on the provider processing result, the random number sequence, and the target ID number, the quota calculation module is specifically configured to:

[0147] Perform a logical operation on the provider processing result and the random number sequence to obtain a query party processing result;

[0148] Calculate a credit quota based on the query party processing result and the target ID number.

[0149] In one embodiment, in terms of calculating a credit quota based on the query party processing result and the target ID number, the quota calculation module is specifically configured to:

[0150] In response to the query party processing result being consistent with the target ID number, obtain a customer label corresponding to the target ID number;

[0151] Input the customer label into a preset rating model for processing to obtain a rating score;

[0152] Determine a credit quota based on the rating score.

[0153] Embodiment Eight

[0154] Based on the same inventive concept, this embodiment also provides a credit limit calculation device for implementing the credit limit calculation method involved in the above-mentioned Embodiment 5. The solution provided by this device for solving problems is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the credit limit calculation device provided below can refer to the limitations on the credit limit calculation method in the above text, and will not be repeated here.

[0155] In this embodiment, as Figure 4 shown, a credit limit calculation device is provided, including:

[0156] A public key sending module, configured to send the public key corresponding to the customer ID number to the querying party, so that the querying party determines the target ID number, generates a random number sequence based on the target ID number, and obtains an encrypted sequence based on the random number sequence and the public key;

[0157] A result calculation module, configured to process the obtained encrypted sequence based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain the provider processing result;

[0158] A result sending module, configured to send the provider processing result to the querying party, so that the querying party calculates the credit limit based on the provider processing result, the random number sequence, and the target ID number.

[0159] Each module in the above-mentioned credit limit calculation device can be implemented in whole or in part by software, hardware, and their combination. The above-mentioned modules can be embedded in the processor in the computer device in hardware form or be independent of it, or can be stored in the memory in the computer device in software form, so as to facilitate the processor to call and execute the operations corresponding to the above-mentioned modules.

[0160] It should be noted that when both the data provider and the querying party in this embodiment are performing information interaction related to the customer, they do not interact with the customer information in plain text state. In this way, it is convenient for the bank to ensure the privacy of customer information while realizing effective information interaction with the third-party data platform.

[0161] In one embodiment, in terms of processing the obtained encrypted sequence based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain the provider processing result, the result calculation module is specifically configured to:

[0162] Decrypt the obtained encrypted sequence based on the private key corresponding to the customer ID number to obtain the random number sequence;

[0163] A provider processing result is obtained through performing a logical operation on the customer ID number corresponding to the private key and the random number sequence.

[0164] Embodiment Nine

[0165] In this embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as shown in Figure 5 The figure. The computer device includes a processor, a memory, and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store data. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, it implements a credit limit calculation method.

[0166] Those skilled in the art can understand that Figure 5 the structure shown in is only a block diagram of some structures related to the solution of the present disclosure, and does not constitute a limitation on the computer device to which the solution of the present disclosure is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have different component arrangements.

[0167] Embodiment Ten

[0168] In this embodiment, a computer-readable storage medium is provided. As shown in Figure X, a computer program is stored thereon. When the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0169] Embodiment Eleven

[0170] In this embodiment, a computer program product is provided, including a computer program. When the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0171] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in the present disclosure are all information and data that have been authorized by the user or fully authorized by all parties.

[0172] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, database, or other medium used in the embodiments provided by the present disclosure can include at least one of non-volatile and volatile memories. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the embodiments provided by the present disclosure can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided by the present disclosure can be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, data processing logics based on quantum computing, etc., without limitation.

[0173] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope described in this specification.

[0174] The above-described embodiments only represent several implementation manners of the present disclosure. The description thereof is relatively specific and detailed, but it should not be construed as a limitation on the patent scope of the present disclosure. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present disclosure, several modifications and improvements can still be made, and these all belong to the protection scope of the present disclosure. Therefore, the protection scope of the present disclosure should be subject to the appended claims.

Claims

1. A credit limit calculation method, characterized in that: include: Obtain the public key corresponding to the customer ID number provided by the data provider; Determine a target certificate number, generate a random number sequence based on the target certificate number, and obtain an encryption sequence based on the random number sequence and the public key; Sending the encrypted sequence to the data provider, so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer ID number to obtain a provider processing result; The credit limit is calculated based on the provider processing result, the random number sequence and the target certificate number.

2. The method according to claim 1, characterized in that The generating of a random number sequence based on the target certificate number comprises: The target certificate number is processed based on a preset pseudo-random number generation function to generate a random number sequence.

3. The method according to claim 1, characterized in that The calculating of the credit limit based on the processing result of the provider, the random number sequence and the target certificate number includes: Performing a logical operation on the processing result of the provider and the random number sequence to obtain the processing result of the query party; The credit limit is calculated based on the query processing result and the target certificate number.

4. The method according to claim 3, characterized in that The calculating of the credit limit based on the querying party processing result and the target certificate number includes: In response to the query processing result being consistent with the target certificate number, obtaining a customer tag corresponding to the target certificate number; Inputting the customer tag into a preset rating model for processing to obtain a rating score; A credit limit is determined based on the rating score.

5. A method for calculating a credit limit, characterized in that: Sending the public key corresponding to the client ID number to the querying party so that the querying party can determine the target ID number, generate a random number sequence based on the target ID number, and obtain an encryption sequence based on the random number sequence and the public key; The encrypted sequence is processed based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain a provider processing result; The processing result of the provider is sent to the querying party, so that the querying party calculates the credit limit based on the processing result of the provider, the random number sequence and the target certificate number.

6. The method according to claim 5, characterized in that The process of obtaining the encrypted sequence based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key to obtain the provider processing result includes: Decrypting the encrypted sequence obtained by the private key corresponding to the customer ID number to obtain the random number sequence; A logical operation is performed based on the customer ID number corresponding to the private key and the random number sequence to obtain a provider processing result.

7. A credit limit calculation device, characterized in that: The device comprises: A public key acquisition module is used to obtain the public key corresponding to the customer ID number provided by the data provider; A sequence calculation module, used to determine a target certificate number, generate a random number sequence based on the target certificate number, and obtain an encryption sequence based on the random number sequence and the public key; A sequence sending module, used for sending the encrypted sequence to the data provider, so that the data provider processes the encrypted sequence based on the private key corresponding to the public key and the customer ID number to obtain a provider processing result; A credit limit calculation module is used to calculate the credit limit based on the processing result of the provider, the random number sequence and the target certificate number.

8. A credit limit calculation device, characterized in that: The device comprises: A public key sending module, used to send the public key corresponding to the client's ID number to the querying party, so that the querying party can determine the target ID number, generate a random number sequence based on the target ID number, and obtain an encryption sequence based on the random number sequence and the public key; A result calculation module, used to obtain a provider processing result by processing the obtained encryption sequence based on the private key corresponding to the customer ID number and the customer ID number corresponding to the private key; The result sending module is used to send the processing result of the provider to the querying party, so that the querying party calculates the credit limit based on the processing result of the provider, the random number sequence and the target certificate number.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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