Credit interaction processing method and device

Abstract

The embodiment of the invention provides a credit interaction processing method and device, and the method comprises the steps: obtaining a credit behavior record and a credit score of a credit service participating user in a credit interaction processing process, the credit behavior record and the credit score are input into a credit decision model for credit interaction type decision making, a credit deviation score and a credit interaction type are obtained, and then credit interaction tasks of participating users are determined according to the credit deviation score and the credit interaction type; and finally, under the condition that a credit interaction identifier generated based on the credit behavior record is obtained, credit interaction processing is performed based on the credit interaction identifier and the credit interaction task, so that targeted credit interaction is performed in the credit service from the credit behavior of the participating user.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a credit interaction processing method and device. Background Art

[0002] With the continuous development and promotion of the Internet and information technology, emerging service models such as online payment and online bill payment have begun to be widely used. In this case, personal credit assessment, as an effective link to measure the individual credit status of users, has gradually received widespread attention and has been widely used in various fields. By analyzing the user's credit behavior data to understand the user's credit status, credit-related products and services can be provided to users. With the popularization of big data analysis technology, the ability to collect and process massive data is getting stronger and stronger. Service providers providing credit services have begun to continuously explore how to improve user experience and service quality in credit services. Summary of the Invention

[0003] One or more embodiments of this specification provide a credit interaction processing method, comprising: obtaining a credit behavior record and a credit score of a user participating in a credit service; inputting the credit behavior record and the credit score into a credit decision model to determine a credit interaction type, thereby obtaining a credit bias score and a credit interaction type; determining a credit interaction task for the participating user based on the credit bias score and the credit interaction type; obtaining a credit interaction identifier generated based on the credit behavior record, and performing credit interaction processing based on the credit interaction identifier and the credit interaction task.

[0004] One or more embodiments of this specification provide a credit interaction processing device, comprising: a data acquisition module, configured to acquire the credit behavior records and credit scores of participating users of a credit service; a type decision module, configured to input the credit behavior records and the credit scores into a credit decision model to make a credit interaction type decision, and obtain a credit deviation score and a credit interaction type; a task determination module, configured to determine the credit interaction task of the participating user based on the credit deviation score and the credit interaction type; and a credit interaction processing module, configured to acquire a credit interaction identifier generated based on the credit behavior record, and perform credit interaction processing based on the credit interaction identifier and the credit interaction task.

[0005] One or more embodiments of this specification provide a credit interaction processing device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein when executed, the computer-executable instructions cause the processor to: obtain a credit behavior record and a credit score of a user participating in a credit service; input the credit behavior record and the credit score into a credit decision model to determine a credit interaction type, thereby obtaining a credit deviation score and a credit interaction type; determine a credit interaction task for the participating user based on the credit deviation score and the credit interaction type; obtain a credit interaction identifier generated based on the credit behavior record, and perform credit interaction processing based on the credit interaction identifier and the credit interaction task.

[0006] One or more embodiments of this specification provide a computer-readable storage medium for storing computer-executable instructions that, when executed, implement the following process: obtaining a credit behavior record and credit score of a user participating in a credit service; inputting the credit behavior record and credit score into a credit decision model to determine a credit interaction type, thereby obtaining a credit bias score and a credit interaction type; determining a credit interaction task for the participating user based on the credit bias score and the credit interaction type; obtaining a credit interaction identifier generated based on the credit behavior record, and performing credit interaction processing based on the credit interaction identifier and the credit interaction task. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] In order to more clearly illustrate one or more embodiments of this specification or technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or descriptions of the prior art. Obviously, the drawings described below are only some embodiments described in this specification. Those skilled in the art can derive other drawings based on these drawings without inventive effort. In order to more clearly illustrate one or more embodiments of this specification or technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or descriptions of the prior art. Obviously, the drawings described below are only some embodiments described in this specification. Those skilled in the art can derive other drawings based on these drawings without inventive effort. Figure 1 A schematic diagram of an implementation environment for a credit interaction processing method provided in one or more embodiments of this specification; Figure 2 A flowchart of a credit interaction processing method provided in one or more embodiments of this specification; Figure 3 A schematic diagram of a credit service homepage provided in one or more embodiments of this specification; Figure 4 A schematic diagram of an interactive list page provided in one or more embodiments of this specification; Figure 5 A processing sequence diagram of a credit interaction processing method applied to a first credit interaction processing scenario provided by one or more embodiments of this specification; Figure 6 A processing sequence diagram of a credit interaction processing method applied to a second credit interaction processing scenario provided by one or more embodiments of this specification; Figure 7 A schematic diagram of an embodiment of a credit interaction processing device provided in one or more embodiments of this specification; Figure 8 A schematic diagram of the structure of a credit interaction processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0008] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this document.

[0009] The credit interaction processing method provided in one or more embodiments of this specification can be applied to the implementation environment of credit interaction processing. Figure 1 , the implementation environment includes at least: Server 101 and user terminal 102; The server 101 is used to cooperate with the user terminal 102 to perform credit interaction processing. The server 101 can also use the credit decision model 101-1 to determine the credit interaction type, obtain the credit deviation score and the credit interaction type, and then determine the credit interaction task of the participating user based on the credit deviation score and the credit interaction type and perform the credit interaction processing. The server 101 can be a single server, a server cluster composed of multiple servers, or one or more cloud servers in a cloud computing platform. The server 101 may run a credit decision model 101-1, which may make a credit interaction type decision based on the credit behavior records and credit scores of participating users of the credit service input by the server 101, and output a credit deviation score and a credit interaction type; The user terminal 102 can be used to cooperate with the server 101 to perform credit interaction processing. The user terminal 102 can display the credit interaction identifier during the credit interaction processing and submit a trigger instruction of the participating user for the credit interaction identifier to the server 101, so that the server 101 can perform credit interaction processing; the user terminal 102 can specifically be a mobile phone, a personal computer, a tablet computer, an e-book reader, a device based on VR (Virtual Reality) for information interaction, a vehicle-mounted terminal, an IoT device, a wearable smart device, a laptop computer, a desktop computer, etc.

[0010] In this implementation environment, during the credit interaction processing, the server 101 first obtains the credit behavior records and credit scores of the participating users of the credit service, and inputs the credit behavior records and credit scores into the credit decision model 101-1. The credit decision model 101-1 makes a credit interaction type decision based on the credit behavior records and credit scores input by the server 101 and outputs a credit deviation score and a credit interaction type. Then, the server 101 determines the credit interaction task of the participating user based on the credit deviation score and the credit interaction type output by the credit decision model 101-1. When a credit interaction identifier generated based on the credit behavior record is obtained, the server 101 can cooperate with the user terminal 102 to display the credit interaction identifier on the credit service homepage of the participating user. After the participating user triggers the credit interaction identifier, the credit interaction processing is performed based on the trigger instruction submitted by the user terminal 102, the credit interaction identifier and the credit interaction task, so as to perform targeted credit interaction in the credit service based on the credit behavior of the participating user.

[0011] It should be noted that, considering that the credit behavior records, credit scores, benchmark credit data, intra-domain credit data, extra-domain transaction data and other related data of participating users involved in this specification may belong to the privacy of participating users to a certain extent, therefore, if you want to collect the credit behavior records, credit scores, benchmark credit data, intra-domain credit data, extra-domain transaction data and other related data of participating users, you can obtain the authorization of the participating users before collecting the data, so that the operation of collecting data complies with relevant data management regulations. For example, the data authorization of the participating users can be carried out in the process of obtaining the credit behavior records, credit scores and other related data of the participating users, and the data authorization can also be carried out during the first visit of the participating users to the credit service; the specific method of data authorization can be to send an authorization reminder to the participating users, and the participating users can obtain data collection authorization after confirming the reminder through instructions, or the method of data authorization can also be to obtain data collection authorization by signing a data authorization agreement.

[0012] One or more embodiments of a credit interaction processing method provided in this specification are as follows: Reference Figure 2 The credit interaction processing method provided in this embodiment specifically includes steps S202 to S208.

[0013] Step S202: Obtain the credit behavior records and credit scores of users participating in the credit service.

[0014] The credit service described in this embodiment refers to a service that performs credit assessment or credit management based on the credit behavior of participating users or the credit behavior data of participating users. Specifically, the credit service can be a service running based on an application, or the credit service can also be a service subroutine integrated into the application. Participating users can call the credit service subroutine within the application to participate in the credit service, or the credit service can also be a service embedded in the host program, for example, the credit service can be a service embedded in the host program in the form of a plug-in or interface.

[0015] Wherein, credit behavior refers to credit-related behavior or tasks participated in by participating users, for example, credit behavior can be payment behavior or fee payment behavior completed by participating users based on the application program providing credit services, the subroutine of the application program, or the host program; the credit behavior record refers to the behavior data generated by participating users in the process of performing credit behavior based on the application program providing credit services, the subroutine of the application program, or the host program, for example, the credit behavior record can include the behavior type data, behavior occurrence time data, or behavior completion status data of the payment behavior or fee payment behavior performed by the user; The credit score refers to the quantitative credit value obtained by conducting a credit assessment on the credit behavior performed by the participating user. The credit score can be used to reflect the credit level of the participating user; the credit score can include the credit score of the participating user in this credit interaction cycle, the credit benchmark score (benchmark credit data) of the participating user and the credit score of the participating user in the previous credit interaction cycle; wherein, the credit benchmark score can be the initial credit score generated when the participating user first authorizes the credit service, or it can also be the basic credit reference score determined by the application providing the credit service, the subroutine of the application or the host program based on the basic information of the participating user; the credit score of the participating user in the previous credit interaction cycle refers to the credit score of the participating user at the end of the previous credit interaction cycle, and does not include the credit score affected by the credit interaction tasks performed by the participating user in the current credit interaction cycle.

[0016] During specific implementation, in order to provide a data basis for the subsequent credit interaction processing process, the credit behavior records and credit scores of the participating users of the credit service are obtained; specifically, the credit behavior records of the participating users obtained may include the behavioral data generated by the participating users in the process of executing credit behaviors based on the application program providing the credit service, the subroutine of the application program, or the host program, and the credit score obtained may be the credit score of the participating users during this credit interaction cycle.

[0017] In addition, in order to further improve the accuracy and comprehensiveness of the analysis and evaluation of the credit status of participating users in the subsequent processing process, in addition to obtaining the credit behavior records of participating users and the credit scores of participating users in this credit interaction cycle, the credit scores of participating users in the previous credit interaction cycle and the credit benchmark scores of participating users can also be obtained.

[0018] Step S204: Input the credit behavior record and the credit score into a credit decision model to make a credit interaction type decision, and obtain a credit deviation score and a credit interaction type.

[0019] The credit decision model described in this embodiment is used to evaluate the degree of deviation of the current credit status of the participating user from the target credit status and determine the corresponding credit interaction type based on the credit behavior record and credit score of the participating user; specifically, the credit decision model can be a model constructed based on a deep learning algorithm for making credit interaction type decisions, for example, the credit decision model can be a model constructed based on a convolutional neural network for making credit interaction type decisions, or the credit decision model can also be a model constructed based on a multi-layer neural network for making credit interaction type decisions, etc.; the input of the credit decision model is the obtained credit behavior record and credit score of the participating user of the credit service, and the output is the credit deviation score and the credit interaction type.

[0020] The credit interaction type decision made by the credit decision model refers to the process of analyzing and calculating the credit behavior record and current credit score of the participating user through a specific algorithm model, such as analyzing and calculating through the credit decision model to determine the type of credit interaction in which the participating user participates and give a corresponding credit deviation score; the credit deviation score refers to the difference between the participating user's current credit score and the target credit score, where the participating user's current credit score is also the participating user's actual credit score, and the participating user's target credit score is also the participating user's expected credit score. The credit deviation score can be used to measure the degree of deviation of the participating user's current credit status from the target status; The credit interaction type refers to the type of credit interaction determined based on the credit status of the participating users. The credit interaction type may include a first credit interaction type and a second credit interaction type, wherein the first credit interaction type may be a credit interaction type under a score increase mode. In this case, the first credit interaction type may be referred to as a score increase type or a score increase interaction type. Participating users need to complete credit interaction tasks under the first credit interaction type to improve their credit scores; the second credit interaction type may be a credit interaction type under a score preservation mode. In this case, the second credit interaction type may be referred to as a score maintenance type or a score preservation interaction type. Participating users need to complete credit interaction tasks under the second credit interaction type to maintain their existing credit scores.

[0021] In specific implementation, when obtaining the credit behavior records and credit scores of participating users of the credit service as mentioned above, in order to evaluate the credit status of the participating users and determine the credit interaction type of the participating users during the credit interaction cycle, the credit behavior records and credit scores are input into the credit decision model so that the credit decision model makes a credit interaction type decision and obtains the credit deviation score and credit interaction type output by the credit decision model.

[0022] In practical applications, in order to enable the credit decision model to conduct a more comprehensive and detailed analysis and evaluation of the credit deviation scores and credit interaction types of participating users, thereby improving the accuracy of the credit decision model in making credit interaction type decisions, the credit score input into the credit decision model can include not only the credit score of the participating user in this credit interaction cycle, but also the credit score of the participating user in the previous credit interaction cycle and the credit benchmark score of the participating user. That is, the input of the credit decision model can be any one, any two, any three or all four of the credit behavior record of the participating user, the credit score of the participating user in this credit interaction cycle, the credit score of the participating user in the previous credit interaction cycle and the credit benchmark score of the participating user.

[0023] It should be noted that, in addition to the above-mentioned input of credit behavior records and credit scores into the credit decision model for credit interaction type decision to obtain credit deviation scores and credit interaction types, credit behavior records and credit scores can also be input into the credit decision model for credit interaction type decision to obtain credit deviation scores or any one of credit interaction types. Based on this, the input of the credit decision model can be any one, any two, any three or all four of the participating user's credit behavior records, the participating user's credit scores in this credit interaction cycle, the participating user's credit scores in the previous credit interaction cycle and the participating user's credit benchmark scores. The output of the credit decision model can be any one or both of the credit deviation scores or credit interaction types. This embodiment will not be repeated here.

[0024] Step S206: Determine the credit interaction task of the participating user according to the credit deviation score and the credit interaction type.

[0025] During specific implementation, in order to provide targeted credit interaction tasks to participating users so that participating users can maintain or improve their credit scores by performing credit interaction tasks, after obtaining the credit deviation score and credit interaction type output by the credit decision model, the credit interaction tasks of the participating users are further determined based on the credit deviation score and credit interaction type.

[0026] Among them, credit interaction tasks refer to interactive tasks performed by participating users to improve or maintain the credit scores of participating users. Specific credit interaction tasks can be interactive tasks determined based on the credit deviation scores and credit interaction types of participating users. For example, credit interaction tasks can be bill payment tasks, repayment tasks, transaction tasks, or other interactive tasks used to prove or improve the personal credit of participating users.

[0027] During the specific implementation process, when the above-mentioned credit interaction type can be the first credit interaction type and the second credit interaction type, accordingly, here, in the process of determining the credit interaction task of the participating user based on the credit deviation score and the credit interaction type, the first credit interaction task of the participating user is determined based on the credit deviation score and the first credit interaction type, or the second credit interaction task of the participating user is determined based on the credit deviation score and the second credit interaction type.

[0028] Among them, the first credit interaction task can be a credit interaction task corresponding to the first credit interaction type, that is, the first credit interaction task can be a score increase task, such as the participating users improve their credit scores by completing the first credit interaction task; the second credit interaction task can be a credit interaction task corresponding to the second credit interaction type, that is, the second credit interaction task can be a score maintenance task, such as the participating users maintain their existing credit scores by completing the second credit interaction task.

[0029] It should be noted that after the credit behavior record and credit score are input into the credit decision model to determine the credit interaction type and obtain the credit deviation score and credit interaction type, the above-mentioned implementation method of determining the credit interaction tasks of participating users based on the credit deviation score and credit interaction type can also be performed by the credit decision model; in this case, the processing of determining the credit deviation score and credit interaction type based on the credit behavior record and credit score, and further determining the credit interaction tasks of participating users based on the credit deviation score and credit interaction type can be replaced by: inputting the credit behavior record and credit score into the credit decision model to determine the credit interaction type and obtain the credit deviation score, credit interaction type, and credit interaction tasks of participating users, that is, the implementation process of inputting the credit behavior record and credit score into the credit decision model to determine the credit interaction type and obtain the credit deviation score and credit interaction type through step S204 and step S206 constitutes a new implementation method; In addition, the implementation process of the new implementation method composed of step S204 and step S206 can be improved to obtain a new implementation method. For example, the credit behavior record and credit score are input into the credit decision model to make a credit interaction type decision to obtain a credit deviation score and credit interaction tasks of participating users; for another example, the credit behavior record and credit score are input into the credit decision model to make a credit interaction type decision to obtain a credit interaction type and credit interaction tasks of participating users; for another example, the credit behavior record and credit score are input into the credit decision model to make a credit interaction type decision to obtain credit interaction tasks of participating users; this embodiment does not limit this.

[0030] Step S208: obtaining a credit interaction identifier generated based on the credit behavior record, and performing credit interaction processing based on the credit interaction identifier and the credit interaction task.

[0031] During specific implementation, during the credit interaction processing, a credit interaction identifier generated based on the behavior record of the participating user is first obtained, and then the credit interaction identifier is associated with the credit interaction task of the participating user determined above, so as to display the credit interaction identifier and credit interaction task on the page where the credit interaction processing is performed, thereby enabling the participating user to perform credit interaction processing by triggering the credit interaction identifier.

[0032] During the specific implementation process, participating users can conduct credit interaction processing by triggering the credit interaction identifier. Based on this, according to the different data sources of the credit data, the following provides two methods for generating credit interaction identifiers, and specifically explains the two generation methods respectively.

[0033] Generation method 1: Specifically, in the process of generating a credit interaction identifier, in order to provide a targeted credit interaction identifier to the participating user so that the participating user can obtain and perform adapted credit interaction tasks, the credit data of the participating user may be analyzed to generate the credit interaction identifier. For example, the credit interaction identifier may be generated based on any one, any two, or all three of the participating user's in-domain credit data, benchmark credit data, or the participating user's credit score in the previous credit interaction cycle. In an optional implementation provided in this embodiment, the credit interaction identifier is generated in the following manner: Based on the domain credit data received by the credit service, the domain credit data and the benchmark credit data of participating users are input into the credit decision model to calculate the credit interaction progress and obtain the credit interaction value; Generate a credit interaction identifier based on the data label of the credit data in the domain and the credit interaction value.

[0034] Among them, domain credit data refers to the relevant data on the credit behavior of participating users generated or recorded within the application providing credit services, the subroutine of the application or the host program. The domain credit data may include credit data within the credit interaction period corresponding to the credit interaction type. For example, the domain credit data may include the transaction records or payment records of the participating users; the benchmark credit data refers to the initial credit score generated when the participating user first authorizes the credit service, or it may be the basic credit score determined by the application providing credit services based on the basic information of the participating user.

[0035] In the process of generating a credit interaction identifier, the credit data within the domain is first received through the credit service, and then the credit data within the domain and the benchmark credit data of the participating users are input into the credit decision model to calculate the credit interaction progress and obtain the credit interaction value. Finally, the credit interaction identifier is generated based on the data label of the credit data within the domain and the credit interaction value.

[0036] For example, for credit data within the domain, or service data whose data traffic parameters are less than the data traffic threshold, the credit data within the domain or service data with smaller data traffic and the benchmark credit data of the participating users can be input into the credit decision model, so that the credit decision model can calculate the credit interaction progress and generate a credit interaction identifier based on the data label and the credit interaction value. Accordingly, the credit interaction identifier output by the credit decision model can be obtained.

[0037] It should be noted that in the process of obtaining the credit interaction value, in addition to the above-mentioned implementation method of inputting the domain credit data and the benchmark credit data of the participating users into the credit decision model to calculate the credit interaction progress to obtain the credit interaction value, the domain credit data, the benchmark credit data of the participating users, or any one, any two, or all three of the credit scores of the participating users in the previous credit interaction cycle can also be input into the credit decision model to calculate the credit interaction progress to obtain the credit interaction value.

[0038] In addition, it should be noted that in the implementation process of the above-mentioned method for generating the credit interaction identifier, in addition to inputting the in-domain credit data and the benchmark credit data of the participating users into the credit decision model to calculate the credit interaction progress to obtain the credit interaction value, and generating the credit interaction identifier based on the data label and credit interaction value of the in-domain credit data, when the data flow parameter of the out-of-domain transaction data provided below is less than the data flow threshold, the out-of-domain transaction data can also be input into the credit decision model so that the credit decision model outputs the credit interaction identifier.

[0039] Generation method 2: Specifically, in the process of generating a credit interaction identifier, when faced with transaction data or payment data with a large data flow, the transaction data or payment data may be first obtained from a database. After the transaction data or payment data is obtained, the obtained transaction data or payment data is input into a credit decision model to generate a credit interaction identifier. In an optional implementation provided by this embodiment, before obtaining a credit interaction identifier generated based on a credit behavior record and performing credit interaction processing based on the credit interaction identifier and the credit interaction task, the following is further included: Obtain the extraterritorial transaction data of participating users from the trading platform, input the extraterritorial transaction data and the benchmark credit data of participating users into the credit decision model to calculate the credit interaction progress and obtain the credit interaction value; Generate a credit interaction identifier based on the data label of the off-domain transaction data and the credit interaction value.

[0040] Among them, extraterritorial transaction data refers to relevant data of other transaction platforms or services in which participating users participate. For example, extraterritorial transaction data can be relevant data generated by the credit behavior of participating users based on a third-party payment platform.

[0041] In the process of generating a credit interaction identifier, the off-domain transaction data of the participating users is first obtained from the trading platform, and then the off-domain transaction data and the benchmark credit data of the participating users are input into the credit decision model to calculate the credit interaction progress and obtain the credit interaction value. Finally, the credit interaction identifier is generated based on the data label of the off-domain credit data and the credit interaction value.

[0042] For example, for off-domain transaction data, or payment data with data flow greater than a data flow threshold, the off-domain transaction data or payment data with larger data flow can be first obtained from a database or trading platform. After obtaining the off-domain transaction data or payment data with larger data flow, the off-domain transaction data or payment data with larger data flow and the benchmark credit data of the participating users are input into the credit decision model, so that the credit decision model calculates the credit interaction progress and generates a credit interaction identifier based on the data label and the credit interaction value. Accordingly, the credit interaction identifier output by the credit decision model can be obtained.

[0043] It should be noted that in the process of obtaining the credit interaction value, in addition to the above-mentioned implementation method of inputting the off-domain credit data and the benchmark credit data of the participating users into the credit decision model to calculate the credit interaction progress to obtain the credit interaction value, the off-domain credit data, the benchmark credit data of the participating users or the credit scores of the participating users in the previous credit interaction cycle can also be input into the credit decision model to calculate the credit interaction progress to obtain the credit interaction value.

[0044] In addition, it should be noted that in addition to the above-mentioned method of determining the generation method of the credit interaction identifier based on the data source of the credit data, the generation method of the credit interaction identifier can also be divided according to the traffic parameters of the data source of the credit data. For example, if the traffic parameter of the credit data is less than the data traffic threshold, the generation method of the credit interaction identifier is determined to be generation method one; if the traffic parameter of the credit data is greater than the data traffic threshold, the generation method of the credit interaction identifier is determined to be generation method two; in addition, the generation method of the credit interaction identifier can also be divided according to the data source of the credit data and the traffic parameters of the data source of the credit data.

[0045] In this embodiment, specifically, during the credit interaction process, in order to display to participating users the credit interaction tasks that the participating users have completed or the credit interaction tasks that the participating users have not completed and are currently executable, a credit interaction identifier and / or a task interaction identifier of the credit interaction task may be displayed on the credit service homepage, so that the participating users can perform the credit interaction process. In an optional implementation provided in this embodiment, performing the credit interaction process based on the credit interaction identifier and the credit interaction task includes: Display the credit interaction logo and / or task interaction logo of the credit interaction task on the participating user's credit service homepage; According to the target interaction identifier triggered by the participating user in the credit interaction identifier and / or the task interaction identifier, the credit interaction processing corresponding to the target interaction identifier is performed.

[0046] Among them, the credit interaction identifier refers to the identifier that represents the credit interaction task that the participating user has completed; the task interaction identifier refers to the identifier that represents the credit interaction task that the participating user has not completed and is currently executable.

[0047] Specifically, in the process of credit interaction processing based on the credit interaction identifier and the credit interaction task, when the participating user visits the credit service homepage, the credit interaction identifier and the task interaction identifier of the credit interaction task can be displayed on the participating user's credit service homepage first. If the participating user triggers the target interaction identifier in the credit interaction identifier, the corresponding credit interaction processing is performed based on the target interaction identifier in the credit interaction identifier; if the participating user triggers the target interaction identifier in the task interaction identifier, the corresponding credit interaction processing is performed based on the target interaction identifier in the task interaction identifier.

[0048] Based on the displayed credit interaction identifier, if the participating user triggers the target interaction identifier in the credit interaction identifier, that is, if the target interaction identifier is the credit interaction identifier, the interaction progress of the interaction progress component is updated based on the interaction value corresponding to the credit interaction identifier. In an optional implementation provided by this embodiment, credit interaction processing corresponding to the target interaction identifier includes: After detecting the trigger instruction of the credit interaction identifier, updating the interaction progress of the interaction progress component based on the interaction value corresponding to the credit interaction identifier; Close the display of the credit interaction logo on the credit service homepage.

[0049] Among them, if the target interaction identifier triggered by the participating user during the credit interaction processing is a credit interaction identifier, after the trigger instruction of the credit interaction identifier is detected, the interaction progress of the interaction progress component is updated according to the interaction value corresponding to the credit interaction identifier; at the same time, in order to enable the participating users to avoid repeated operations and to enable the participating users to pay attention to the unfinished credit interaction tasks in the future, after the participating users trigger the credit interaction identifier, the display of the credit interaction identifier on the credit service homepage is closed, such as removing or hiding the credit interaction identifier displayed on the credit service homepage.

[0050] For example, if an engaged user triggers Figure 3 The credit interaction mark 301 shown on the homepage of the credit service is updated based on the interaction value "+1%" corresponding to the credit interaction mark, and after the participating user triggers the credit interaction mark 301, Figure 3 The credit service homepage shown has the credit interaction logo 301 removed or hidden.

[0051] Optionally, the credit service homepage displays the interaction progress component corresponding to the credit interaction type. Continuing with the above example, if the credit interaction type is the first credit interaction type, the interaction progress component corresponding to the first credit interaction type can be displayed on the credit service homepage, for example Figure 3 The interactive progress component 302 is shown on the homepage of the credit service, and the associated area of ​​the interactive progress component 302 can be rendered with the words "This is a week of score increase, and the score will increase by 1-5 points next Monday if the progress is full"; if the credit interaction type is the second credit interaction type, the interactive progress component corresponding to the second credit interaction type can be displayed on the homepage of the credit service, for example, the associated area of ​​the interactive progress component can be rendered with the words "This is a week of score maintenance, and the score will not decrease next Monday if the progress is full".

[0052] In addition, based on the displayed task interaction identifier, if the participating user triggers the target interaction identifier in the task interaction identifier, that is, if the target interaction identifier is the task interaction identifier, the user is redirected to the task page of the corresponding credit interaction task based on the task interaction identifier; in an optional implementation provided by this embodiment, performing credit interaction processing corresponding to the target interaction identifier includes: If it is detected that the triggered target interaction identifier is a task interaction identifier, jump to the task page of the credit interaction task to which the task interaction identifier belongs to perform task execution processing.

[0053] Optionally, the task interaction identifier is no longer displayed on the credit service homepage after the credit interaction task is completed, and the credit interaction identifier generated after the credit interaction task is completed is displayed on the credit service homepage.

[0054] For example, if an engaged user triggers Figure 3 The task interaction identifier 303 shown on the credit service homepage is detected as the task interaction identifier. When it is detected that the triggered target interaction identifier is the task interaction identifier, it jumps to the task page of the credit interaction task to which the task interaction identifier 303 belongs. The participating users can complete the credit interaction task to which the task interaction identifier belongs based on the task instructions or steps provided on the task page; after the participating users complete the credit interaction task, they can cancel the display of the task interaction identifier on the credit service homepage, and display the credit interaction identifier generated after the credit interaction task is completed on the credit service homepage. Based on this, the participating users can trigger the credit interaction identifier, and accordingly, based on the participating users' triggering instructions for the credit interaction identifier, the interaction progress of the interaction progress component can be updated based on the interaction value corresponding to the credit interaction identifier.

[0055] In actual applications, when a participating user triggers the target interaction identifier in the task interaction identifier to conduct credit interaction processing, in addition to the above-mentioned display and closing processing of the task interaction identifier on the credit service homepage and the display of the credit interaction identifier generated after the credit interaction task is completed on the credit service homepage, the sub-identifier of the credit interaction identifier can also be displayed on the secondary page of the credit service to enable the participating user to conduct credit interaction processing based on the sub-identifier of the credit interaction identifier; In an optional implementation provided by this embodiment, after jumping to the task page of the credit interaction task to which the task interaction identifier belongs to perform task execution processing, the method further includes: If it is detected that the task status of the credit interaction task is completed, a credit interaction ID of the credit interaction task is generated to be displayed on the credit service homepage, and a credit interaction sub-ID is displayed on the interaction list page of the participating users; After the credit interaction sub-identifier is triggered, the interaction progress of the interaction progress component is updated based on the credit interaction value corresponding to the credit interaction sub-identifier and the progress update is displayed.

[0056] For example, in the process of participating users performing credit interaction processing corresponding to the target interaction identifier, after the participating users trigger the target interaction identifier in the task interaction identifier and jump to the task page of the credit interaction task to which the task interaction identifier belongs, if it is detected that the task status of the credit interaction task is completed, a credit interaction identifier of the credit interaction task is generated and the credit interaction identifier is displayed on the credit service homepage of the participating users; at the same time, in order to facilitate the participating users to manage the credit interaction tasks, Figure 4 The credit interaction sub-identifier 401 is displayed in the interaction list page shown. When the participating user triggers the credit interaction sub-identifier 401, the interaction progress of the interaction progress component can be updated based on the credit interaction value "+4%" corresponding to the credit interaction sub-identifier, and the progress update can be displayed.

[0057] Optionally, after the interaction progress of the interaction progress component meets the interaction condition, the credit score is adjusted according to the credit adjustment policy corresponding to the credit interaction type.

[0058] Among them, the credit adjustment strategy refers to the strategy for adjusting the credit scores of participating users. The specific credit adjustment strategy refers to the strategy for adjusting the credit scores of participating users according to the credit adjustment strategy corresponding to the credit interaction type, the credit behavior record in the current credit interaction cycle, or the interaction progress, any one, any two, or all three of the credit interaction type of the participating users.

[0059] Specifically, after the interaction progress of the interaction progress component satisfies the interaction conditions, the credit score may be adjusted according to the credit adjustment policy corresponding to the credit interaction type. For example, if the credit interaction type is the first credit interaction type, the credit score may be increased according to the credit adjustment policy after the interaction progress of the interaction progress component satisfies the interaction conditions. If the credit interaction type is the second credit interaction type, the credit score may be maintained unchanged according to the credit adjustment policy after the interaction progress of the interaction progress component satisfies the interaction conditions.

[0060] During the specific implementation process, in the process of adjusting the credit score according to the credit adjustment strategy corresponding to the credit interaction type, the credit score of the participating user can be determined based on the credit interaction type of the participating user and / or the interaction progress of the credit interaction task of the participating user within the credit interaction cycle; an optional implementation method provided by this embodiment, adjusting the credit score according to the credit adjustment strategy corresponding to the credit interaction type includes: after the credit interaction cycle corresponding to the credit interaction type expires, generating a calculation task for calculating the credit score.

[0061] Optionally, the calculation task includes: calculating an adjustment score based on the credit behavior record of the participating user and the interaction progress of the interaction progress component, and adjusting the credit score according to the adjustment score.

[0062] Specifically, when a participating user completes a credit interaction task and advances the interaction progress of the interaction progress component within a credit interaction cycle, after the credit interaction cycle expires, the adjustment score of the participating user's credit within the credit interaction cycle is calculated, and the credit score is adjusted based on the adjustment score.

[0063] For example, in the case where the credit interaction type is a score growth interaction type, if the interaction progress of the participating user interaction progress component meets the interaction conditions, such as the participating user completes all credit interaction tasks and the interaction progress reaches the full amount, the adjustment score is calculated, and the credit score of the participating user is increased according to the adjustment score; if the interaction progress of the participating user interaction progress component has not reached the full amount, the adjustment score is calculated, and the credit score of the participating user is slightly increased or maintained unchanged according to the adjustment score; in the case where the credit interaction type is a score maintenance interaction type, if the participating user completes all credit interaction tasks and the interaction progress reaches the full amount, the adjustment score is calculated, and the credit score of the participating user is maintained unchanged based on the adjustment score; if the interaction progress of the participating user interaction progress component has not reached the full amount, the adjustment score is calculated, and the credit score of the participating user is lowered according to the adjustment score.

[0064] Furthermore, after the credit interaction period corresponding to the credit interaction type expires, a task call can be performed; in an optional implementation provided by this embodiment, the credit score is adjusted according to the credit adjustment strategy corresponding to the credit interaction type, and it also includes: task scheduling and execution of the calculation task after the credit interaction period corresponding to the credit interaction type expires.

[0065] Specifically, after the credit interaction period corresponding to the credit interaction type expires, and after the calculation task for calculating the credit score is generated, the calculation task can also be added to the task scheduling queue to wait for execution. That is, during the credit interaction processing, the credit scores of participating users are not updated in real time, but the credit score calculation task is executed after the credit interaction period expires to improve the accuracy and consistency of the credit score update. Thereafter, after the credit interaction period expires, the credit score can be adjusted based on the calculation task so that the participating users can obtain the updated credit score.

[0066] It should be noted that, in the process of adjusting the credit score according to the credit adjustment strategy corresponding to the credit interaction type provided above, the implementation process of generating the calculation task for calculating the credit score and the implementation process of scheduling and executing the calculation task provided above can also be combined to form a new implementation method. Based on this, an optional implementation method provided by this embodiment, adjusting the credit score according to the credit adjustment strategy corresponding to the credit interaction type, also includes: after the credit interaction period corresponding to the credit interaction type expires, generating a calculation task for calculating the credit score and scheduling the execution of the task.

[0067] In addition to the aforementioned method of generating a calculation task for calculating a credit score after the credit interaction period corresponding to the credit interaction type expires and scheduling the task for execution, another optional implementation provided by this embodiment further includes adjusting the credit score according to the credit adjustment policy corresponding to the credit interaction type: If a credit service access instruction of a participating user is detected after the credit interaction period corresponding to the credit interaction type expires, the interaction progress of the interaction progress component is checked to see whether it meets the interaction conditions. If so, the credit score is maintained; if not, the credit score is adjusted.

[0068] For example, when the credit interaction type is a score maintenance interaction type, after the credit interaction cycle expires, the credit score adjustment task for adjusting the credit score can be arranged in a batch and executed sequentially. During this process, if a credit service access instruction of the participating user is detected, such as the participating user accessing the credit service to view the credit score, the status of the interaction progress component of the participating user can be detected first to determine whether the interaction progress of the interaction progress component meets the interaction conditions. If so, the credit score adjustment task of the participating user is called out from the waiting sequence and the credit score adjustment task is processed to maintain the credit score of the participating user; if not, the credit score adjustment task of the participating user is called out from the waiting sequence and the credit score adjustment task is processed to update the credit score of the participating user, such as adjusting the credit score downward.

[0069] It should be noted that the two implementation methods provided above for adjusting the credit score according to the credit adjustment strategy corresponding to the credit interaction type can also be combined in actual applications according to actual processing needs. For example, in the case where the credit interaction type is the first credit interaction type, a calculation task for calculating the credit score is generated after the credit interaction period corresponding to the credit interaction type expires. If a credit service access instruction of the participating user is detected, the interaction progress of the interaction progress component is detected to see whether it meets the interaction conditions. If so, the credit score is adjusted; if not, the credit score is maintained. For another example, in the case where the credit interaction type is the second credit interaction type, a calculation task for calculating the credit score is generated after the credit interaction period corresponding to the credit interaction type expires and the task is scheduled for execution.

[0070] In addition, it should be noted that after the interaction progress of the interaction progress component meets the interaction conditions, in addition to adjusting the credit score according to the credit adjustment strategy corresponding to the credit interaction type provided above, the credit score can also be adjusted according to the credit adjustment strategy corresponding to the participating user level type; for example, the participating users can be divided into primary level, intermediate level or advanced level according to the credit performance of the participating users, credit service activity or other factors related to the credit service. Different credit adjustment strategies or different credit score adjustment algorithms can be determined for participating users of different levels, or for participating users in different credit score ranges, and the credit score can be adjusted based on the credit adjustment strategy or credit score adjustment algorithm corresponding to the user level type; in addition, after the interaction progress of the interaction progress component meets the interaction conditions, the credit score can also be adjusted according to the credit adjustment strategy jointly determined by the credit interaction type and the participating user level type; this embodiment will not be repeated here.

[0071] In actual applications, during the credit interaction process based on the credit interaction identifier and credit interaction task, there may be cases where the participating user has performed the credit interaction task but has not triggered the credit interaction identifier. In this case, in order to improve the fairness and accuracy of the credit score assessment of the participating user, the credit record corresponding to the credit interaction identifier that the participating user has not triggered can be added to the participating user's baseline credit data; In an optional implementation provided by this embodiment, after obtaining a credit interaction identifier generated based on the credit behavior record and performing credit interaction processing based on the credit interaction identifier and the credit interaction task, the method further includes: If no trigger instruction of the credit interaction identifier is detected before the expiration of the credit interaction period corresponding to the credit interaction type, the credit interaction identifier is deregistered; The credit record corresponding to the credit interaction identifier is added to the participating user's baseline credit data for use in credit score update.

[0072] Specifically, during the credit interaction process of a participating user within the credit interaction cycle, if the participating user completes the credit interaction task to which the credit interaction identifier belongs, but the participating user fails to trigger the credit interaction identifier within the credit interaction cycle, that is, the trigger instruction of the credit interaction identifier is not detected before the expiration of the credit interaction cycle, the credit interaction identifier will be cancelled, and the credit record corresponding to the cancelled credit interaction identifier will be added to the participating user's benchmark credit data to update the participating user's credit score.

[0073] In summary, one or more credit interaction processing methods provided in this embodiment, during the process of credit interaction processing, first, in order to provide a data basis for the subsequent credit interaction processing process, the credit behavior records and credit scores of the participating users of the credit service are obtained; then, in order to evaluate the credit status of the participating users and determine the credit interaction type of the participating users within the credit interaction cycle, the credit behavior records and credit scores are input into the credit decision model to make a credit interaction type decision, and a credit deviation score and a credit interaction type are obtained; thereafter, in order to provide targeted credit interaction tasks to the participating users so that the participating users can maintain or improve their credit scores by performing credit interaction tasks, In the case of the credit deviation score and credit interaction type output by the credit decision model, the credit interaction task of the participating user is further determined based on the credit deviation score and the credit interaction type; finally, a credit interaction identifier generated based on the behavior record of the participating user is obtained, and then the credit interaction identifier is associated with the credit interaction task of the participating user determined above, so as to display the credit interaction identifier and the credit interaction task on the page where the credit interaction processing is performed, so that the participating user can perform credit interaction processing by triggering the credit interaction identifier, thereby performing targeted credit interaction in the credit service based on the credit behavior of the participating user, while improving the accuracy of the credit interaction processing and the immediacy of the credit score update of the participating user.

[0074] The following uses the credit interaction processing method provided in this embodiment as an example of an application in the first credit interaction processing scenario. Figure 5 , for further explanation of the credit interaction processing method provided in this embodiment, see Figure 5 , a credit interaction processing method applied to the first credit interaction processing scenario specifically includes the following steps.

[0075] Step S502: Obtain the credit behavior records and credit scores of users participating in the credit service.

[0076] Step S504: input the credit behavior record and the credit score into the credit decision model to make a credit interaction type decision to obtain a credit deviation score and a credit interaction type.

[0077] Step S506: Determine the credit interaction task of the participating user according to the credit deviation score and the credit interaction type.

[0078] Step S508: Based on the domain credit data received by the credit service, the domain credit data and the benchmark credit data of the participating users are input into the credit decision model to calculate the credit interaction progress and obtain the credit interaction value.

[0079] Step S510: Generate a credit interaction identifier based on the data label of the credit data in the domain and the credit interaction value.

[0080] Step S512: Display the credit interaction identifier and the task interaction identifier of the credit interaction task on the participating user's credit service homepage.

[0081] Step S514: after detecting the trigger instruction of the credit interaction identifier, updating the interaction progress of the interaction progress component based on the interaction value corresponding to the credit interaction identifier.

[0082] Step S516: Close the display of the credit interaction logo on the credit service homepage.

[0083] Step S518: After the credit interaction period corresponding to the credit interaction type expires, a calculation task for calculating the credit score is generated and the task is scheduled for execution.

[0084] Optionally, the calculation task includes: calculating an adjustment score based on the credit behavior record of the participating user and the interaction progress of the interaction progress component, and adjusting the credit score according to the adjustment score.

[0085] After step S518 is executed, if the trigger instruction of the credit interaction identifier is not detected before the expiration of the credit interaction period corresponding to the credit interaction type, the credit interaction identifier is cancelled, and the credit record corresponding to the credit interaction identifier is added to the benchmark credit data of the participating user for credit score update.

[0086] It should be noted that any one of steps S502 to S518 or any combination of multiple steps can be combined with any one of steps S202 to S208 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or multiple technical features can be selected from steps S502 to S518 and combined with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method; or, any one or multiple technical features in steps S502 to S518 can be replaced with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method according to the needs of actual deployment, which will not be repeated here.

[0087] The following uses the credit interaction processing method provided in this embodiment as an example in the second credit interaction processing scenario. Figure 6 , for further explanation of the credit interaction processing method provided in this embodiment, see Figure 6 The credit interaction processing method applied to the second credit interaction processing scenario specifically includes the following steps.

[0088] Step S602: Obtain the credit behavior records and credit scores of users participating in the credit service within the application.

[0089] Step S604: input the credit behavior record and the credit score into the credit decision model to make a credit interaction type decision to obtain a credit deviation score and a credit interaction type.

[0090] Step S606: Determine the credit interaction task of the participating user according to the credit deviation score and the credit interaction type.

[0091] Step S608: Obtain the off-domain transaction data of the participating users in the application from the transaction platform, input the off-domain transaction data and the benchmark credit data of the participating users into the credit decision model to calculate the credit interaction progress and obtain the credit interaction value.

[0092] Step S610: Generate a credit interaction identifier based on the data tag of the off-domain transaction data and the credit interaction value.

[0093] Step S612: Display the credit interaction identifier and the task interaction identifier of the credit interaction task on the participating user's credit service homepage.

[0094] Step S614: If it is detected that the triggered target interaction identifier is a task interaction identifier, jump to the task page of the credit interaction task to which the task interaction identifier belongs to perform task execution processing.

[0095] Step S616: If it is detected that the task status of the credit interaction task is completed, a credit interaction identifier of the credit interaction task is generated to be displayed on the credit service homepage, and a credit interaction sub-identifier is displayed on the interaction list page of the participating users.

[0096] Step S618: After the credit interaction sub-identifier is triggered, the interaction progress of the interaction progress component is updated based on the credit interaction value corresponding to the credit interaction sub-identifier and the progress update is displayed.

[0097] Step S620: If a credit service access instruction of a participating user is detected after the credit interaction period corresponding to the credit interaction type expires, the interaction progress of the interaction progress component is checked to see whether it meets the interaction condition; if so, step S622 is executed.

[0098] Step S622: Maintain the credit score of the participating user.

[0099] After step S622 is executed, if the trigger instruction of the credit interaction identifier is not detected before the expiration of the credit interaction period corresponding to the credit interaction type, the credit interaction identifier is cancelled, and the credit record corresponding to the credit interaction identifier is added to the benchmark credit data of the participating user for credit score update.

[0100] It should be noted that any one of steps S602 to S622 or any combination of multiple steps can be combined with any one of steps S202 to S208 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or multiple technical features can be selected from steps S602 to S622 and combined with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method; or, any one or multiple technical features in steps S602 to S622 can be replaced with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method according to the needs of actual deployment, which will not be repeated here.

[0101] An embodiment of a credit interaction processing device provided in this specification is as follows: In the above embodiment, a credit interaction processing method is provided, and correspondingly, a credit interaction processing device is also provided, which will be described below with reference to the accompanying drawings.

[0102] Reference Figure 7 , which shows a schematic diagram of an embodiment of a credit interaction processing device provided by this embodiment.

[0103] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0104] This embodiment provides a credit interaction processing device, including: The data acquisition module 702 is configured to obtain the credit behavior records and credit scores of users participating in the credit service; Type decision module 704, configured to input the credit behavior record and the credit score into a credit decision model to make a credit interaction type decision, and obtain a credit deviation score and a credit interaction type; A task determination module 706 is configured to determine a credit interaction task for the participating user based on the credit deviation score and the credit interaction type; The credit interaction processing module 708 is configured to obtain a credit interaction identifier generated based on the credit behavior record, and perform credit interaction processing based on the credit interaction identifier and the credit interaction task.

[0105] An embodiment of a credit interaction processing device provided in this specification is as follows: Corresponding to the credit interaction processing method described above, based on the same technical concept, one or more embodiments of this specification further provide a credit interaction processing device, which is used to execute the credit interaction processing method provided above. Figure 8 A schematic diagram of the structure of a credit interaction process provided in one or more embodiments of this specification.

[0106] This embodiment provides a credit interaction processing device, including: like Figure 8 As shown, the credit interaction processing device may vary significantly due to different configurations or performance. It may include one or more processors 801 and memory 802. Memory 802 may store one or more applications or data. Memory 802 may be either transient or persistent storage. Applications stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for the credit interaction processing device. Furthermore, processor 801 may be configured to communicate with memory 802 to execute the series of computer-executable instructions in memory 802 on the credit interaction processing device. The credit interaction processing device may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input / output interfaces 805, one or more keyboards 806, and the like.

[0107] In a specific embodiment, a credit interaction processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the credit interaction processing device, and the one or more programs are configured to be executed by one or more processors, including computer-executable instructions for performing the following: Obtain credit behavior records and credit scores of users participating in the credit service; Inputting the credit behavior record and the credit score into a credit decision model to determine the credit interaction type, thereby obtaining a credit deviation score and a credit interaction type; determining a credit interaction task for the participating user according to the credit deviation score and the credit interaction type; A credit interaction identifier generated based on the credit behavior record is obtained, and credit interaction processing is performed based on the credit interaction identifier and the credit interaction task.

[0108] An embodiment of a computer-readable storage medium provided in this specification is as follows: Corresponding to the credit interaction processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0109] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions. When the computer-executable instructions are executed, the following process is implemented: Obtain credit behavior records and credit scores of users participating in the credit service; Inputting the credit behavior record and the credit score into a credit decision model to determine the credit interaction type, thereby obtaining a credit deviation score and a credit interaction type; determining a credit interaction task for the participating user according to the credit deviation score and the credit interaction type; A credit interaction identifier generated based on the credit behavior record is obtained, and credit interaction processing is performed based on the credit interaction identifier and the credit interaction task.

[0110] It should be noted that the embodiment of a computer-readable storage medium in this specification and the embodiment of a credit interaction processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0111] An embodiment of a computer program product provided in this specification is as follows: Corresponding to the credit interaction processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer program product.

[0112] A computer program product comprising a computer program / instructions, which, when executed by a processor, implements the following steps: Obtain credit behavior records and credit scores of users participating in the credit service; Inputting the credit behavior record and the credit score into a credit decision model to determine the credit interaction type, thereby obtaining a credit deviation score and a credit interaction type; determining a credit interaction task for the participating user according to the credit deviation score and the credit interaction type; A credit interaction identifier generated based on the credit behavior record is obtained, and credit interaction processing is performed based on the credit interaction identifier and the credit interaction task.

[0113] It should be noted that the embodiment of a computer program product in this specification and the embodiment of a credit interaction processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0114] The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiments, equipment embodiments, computer-readable storage medium embodiments, and computer program product embodiments are similar to the method embodiments, so the description is relatively simple. For relevant content in the device embodiments, equipment embodiments, computer-readable storage medium embodiments, and computer program product embodiments, please refer to the partial description of the method embodiments.

[0115] The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0116] In the 1930s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures like diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using physical hardware modules. For example, a programmable logic device (PLD), such as a field programmable gate array (FPGA), is an integrated circuit whose logical function is determined by user programming. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly performed using software called a "logic compiler." This is similar to the software compilers used during program development. Before compilation, the original code must be written in a specific programming language, called a Hardware Description Language (HDL). There are many types of HDL, including ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that simply by programming a method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0117] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the memory control logic. Those skilled in the art will also appreciate that, in addition to implementing the controller purely in computer-readable program code, the controller can also be implemented in the form of logic gates, switches, an application-specific integrated circuit, a programmable logic controller, an embedded microcontroller, etc. by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the means for implementing the various functions included therein can also be considered as structures within the hardware component. Alternatively, the means for implementing the various functions can be considered both a software module implementing the method and a structure within the hardware component.

[0118] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or entities, or by products having certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0119] For the convenience of description, the above devices are described as being divided into various units according to their functions. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0120] Those skilled in the art will appreciate that one or more embodiments of this specification may be provided as a method, system, or computer program product. Thus, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, this specification may take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0121] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0122] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0123] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0124] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0125] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0126] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can be implemented using any method or technology for information storage. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer-readable storage media include, but are not limited to, phase-change RAM (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media such as modulated data signals and carrier waves.

[0127] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus comprising a series of elements includes not only those elements but also other elements not explicitly listed, or elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprising at least one ..." does not exclude the presence of additional identical elements in the process, method, commodity, or apparatus comprising the element.

[0128] One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. One or more embodiments of this specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0129] The foregoing description is merely an example of the present invention and is not intended to limit the present invention. Persons skilled in the art will readily appreciate that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention are intended to be included within the scope of the claims herein.

Claims

1. A credit interaction processing method, comprising: Obtain credit behavior records and credit scores of users participating in the credit service; Inputting the credit behavior record and the credit score into a credit decision model to determine the credit interaction type, thereby obtaining a credit deviation score and a credit interaction type; determining a credit interaction task for the participating user according to the credit deviation score and the credit interaction type; A credit interaction identifier generated based on the credit behavior record is obtained, and credit interaction processing is performed based on the credit interaction identifier and the credit interaction task.

2. The credit interaction processing method according to claim 1, wherein the credit interaction processing based on the credit interaction identifier and the credit interaction task comprises: Displaying the credit interaction identifier and the task interaction identifier of the credit interaction task on the credit service homepage of the participating user; According to the target interaction identifier triggered by the participating user in the credit interaction identifier and the task interaction identifier, a credit interaction process corresponding to the target interaction identifier is performed.

3. The credit interaction processing method according to claim 2, wherein the performing of the credit interaction processing corresponding to the target interaction identifier comprises: After detecting the trigger instruction of the credit interaction identifier, updating the interaction progress of the interaction progress component based on the interaction value corresponding to the credit interaction identifier; Perform a display closing process of the credit interaction logo on the credit service homepage.

4. The credit interaction processing method according to claim 2, wherein the performing of the credit interaction processing corresponding to the target interaction identifier comprises: If it is detected that the triggered target interaction identifier is a task interaction identifier, jump to the task page of the credit interaction task to which the task interaction identifier belongs to perform task execution processing; The task interaction identifier is cancelled from display on the credit service homepage after the credit interaction task is completed, and the credit interaction identifier generated after the credit interaction task is completed is displayed on the credit service homepage.

5. The credit interaction processing method according to claim 4, after jumping to the task page of the credit interaction task to which the task interaction identifier belongs to perform the task execution processing operation, further comprising: If it is detected that the task status of the credit interaction task is completed, a credit interaction identifier of the credit interaction task is generated to be displayed on the credit service homepage, and a credit interaction sub-identifier is displayed on the interaction list page of the participating users; After the credit interaction sub-identifier is triggered, the interaction progress of the interaction progress component is updated based on the credit interaction value corresponding to the credit interaction sub-identifier and the progress update is displayed.

6. The credit interaction processing method according to claim 2, wherein the credit service homepage displays an interaction progress component corresponding to the credit interaction type; in, After the interaction progress of the interaction progress component meets the interaction condition, the credit score is adjusted according to the credit adjustment policy corresponding to the credit interaction type.

7. The credit interaction processing method according to claim 6, wherein adjusting the credit score according to the credit adjustment policy corresponding to the credit interaction type comprises: After the credit interaction period corresponding to the credit interaction type expires, generating a calculation task for calculating the credit score and scheduling the task for execution; The calculation task includes: calculating an adjustment score according to the credit behavior record of the participating user and the interaction progress of the interaction progress component, and adjusting the credit score according to the adjustment score.

8. The credit interaction processing method according to claim 6, wherein adjusting the credit score according to the credit adjustment policy corresponding to the credit interaction type comprises: If a credit service access instruction of the participating user is detected after the credit interaction period corresponding to the credit interaction type expires, whether the interaction progress of the interaction progress component meets the interaction condition is detected, and if so, the credit score is maintained.

9. The credit interaction processing method according to claim 1, wherein the credit interaction identifier is generated in the following manner: Based on the intra-domain credit data received by the credit service, the intra-domain credit data and the benchmark credit data of the participating users are input into a credit decision model to calculate the credit interaction progress and obtain a credit interaction value; The credit interaction identifier is generated according to the data tag of the credit data in the domain and the credit interaction value.

10. The credit interaction processing method according to claim 1, before the step of obtaining a credit interaction identifier generated based on the credit behavior record and performing a credit interaction processing based on the credit interaction identifier and the credit interaction task, further comprising: Obtaining the extraterritorial transaction data of the participating user from the trading platform, inputting the extraterritorial transaction data and the benchmark credit data of the participating user into the credit decision model to calculate the credit interaction progress and obtain the credit interaction value; The credit interaction identifier is generated according to the data tag of the off-domain transaction data and the credit interaction value.

11. The credit interaction processing method according to claim 1, further comprising: after the steps of obtaining a credit interaction identifier generated based on the credit behavior record and performing a credit interaction processing based on the credit interaction identifier and the credit interaction task; If no trigger instruction of the credit interaction identifier is detected before the credit interaction period corresponding to the credit interaction type expires, canceling the credit interaction identifier; The credit record corresponding to the credit interaction identifier is added to the benchmark credit data of the participating user for updating the credit score.

12. A credit interaction processing device, comprising: A data acquisition module configured to obtain credit behavior records and credit scores of users participating in the credit service; a type decision module configured to input the credit behavior record and the credit score into a credit decision model to make a credit interaction type decision, and obtain a credit deviation score and a credit interaction type; a task determination module, configured to determine the credit interaction task of the participating user according to the credit deviation score and the credit interaction type; The credit interaction processing module is configured to obtain a credit interaction identifier generated based on the credit behavior record, and perform credit interaction processing based on the credit interaction identifier and the credit interaction task.

13. A credit interaction processing device, comprising: processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: Obtain credit behavior records and credit scores of users participating in the credit service; Inputting the credit behavior record and the credit score into a credit decision model to determine the credit interaction type, thereby obtaining a credit deviation score and a credit interaction type; determining a credit interaction task for the participating user according to the credit deviation score and the credit interaction type; A credit interaction identifier generated based on the credit behavior record is obtained, and credit interaction processing is performed based on the credit interaction identifier and the credit interaction task.

14. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 when executed.

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