Resource processing method and device based on credit investigation

Abstract

The embodiment of the invention provides a resource processing method and device based on credit investigation, and the method comprises the steps: carrying out the credit investigation data authorization of a first user and a second user in a process that the second user helps the first user to carry out resource application through credit investigation guarantee; and obtaining credit investigation data of the two users based on an authorization result, carrying out resource application detection, determining a target resource mechanism carrying out resource application under the condition that the detection is passed, and sending resource application data to the target resource mechanism to carry out resource application processing, so that resource application is realized through credit investigation guarantee between the users.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a credit-based resource processing method and apparatus. Background Technology

[0002] With the continuous development of Internet technology, users are paying more and more attention to credit, and the establishment and improvement of the credit system are also ongoing. Credit platforms that provide various credit services to users have emerged. Many credit platforms offer users various credit-based services such as credit leasing and credit borrowing. However, as more and more service providers offer credit-related services, the competition among them is becoming increasingly fierce. Exploring new service methods around credit has become a key focus for all service providers. Summary of the Invention

[0003] This specification provides one or more embodiments of a credit-based resource processing method, comprising: authorizing the credit data of the first user and the second user based on a second user selected by the first user through credit guarantee for a resource application; obtaining the first credit data of the first user and the second credit data of the second user based on the authorization result and performing resource application detection; if the detection passes, matching the resource application with candidate resource institutions accessed by the credit reporting platform to obtain a target resource institution; and sending the resource application data to the target resource institution for resource application processing.

[0004] This specification provides one or more embodiments of a credit-based resource processing apparatus, comprising: a data authorization module configured to authorize credit data of the first user and the second user for resource applications selected by a first user through credit guarantees; a resource application detection module configured to obtain the first credit data of the first user and the second credit data of the second user based on the authorization result and perform resource application detection; a matching module configured to, if the detection passes, match the resource application with candidate resource institutions accessed by the credit reporting platform to obtain a target resource institution; and a data sending module configured to send resource application data to the target resource institution for resource application processing.

[0005] This specification provides one or more embodiments of a credit-based resource processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: authorize the credit data of the first user and the second user based on a second user selected by the first user through a credit guarantee for a resource application; obtain the first credit data of the first user and the second credit data of the second user based on the authorization result and perform resource application detection; if the detection passes, match the resource application with candidate resource institutions accessed by the credit reporting platform to obtain a target resource institution; and send the resource application data to the target resource institution for resource application processing.

[0006] This specification provides one or more embodiments of a computer-readable storage medium for storing computer-executable instructions. When executed, these instructions implement the following process: Authorizing the credit data of the first user and the second user based on the second user selected by the first user through a credit guarantee for a resource application; obtaining the first credit data of the first user and the second credit data of the second user based on the authorization result and performing a resource application detection; if the detection passes, matching the resource application with candidate resource institutions accessed by the credit reporting platform to obtain a target resource institution; and sending the resource application data to the target resource institution for resource application processing. Attached Figure Description

[0007] To more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. Figure 1 A schematic diagram illustrating the implementation environment of a credit-based resource processing method provided in one or more embodiments of this specification; Figure 2 A flowchart illustrating a credit-based resource processing method provided for one or more embodiments of this specification; Figure 3 A flowchart illustrating a credit-based resource processing method for a lending scenario, provided in one or more embodiments of this specification. Figure 4 A schematic diagram illustrating an embodiment of a credit-based resource processing device provided for one or more embodiments of this specification; Figure 5 This is a schematic diagram of the structure of a credit-based resource processing device provided for one or more embodiments of this specification. Detailed Implementation

[0008] 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 with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0009] The credit-based resource processing method provided in one or more embodiments of this specification is applicable to the implementation environment of a credit reporting platform. (Refer to...) Figure 1 The implementation environment includes at least: The first user's first terminal 101, the second user's second terminal 102, and the credit reporting server 103 of the credit reporting platform; The first terminal 101 is used to interact with the credit reporting server 103 to exchange data on resource requests initiated by the first user through credit reporting guarantee. Specifically, this includes selecting a second user for credit reporting guarantee, authorizing credit reporting data, and signing agreements, among other resource request-related operations. The second terminal 102 is the user terminal of the second user who assists the first user in obtaining credit reporting guarantee. The second user can use the second terminal 102 to authorize credit reporting data and sign agreements, among other related operations. The first terminal 101 and the second terminal 102 can be mobile phones, personal computers, tablets, e-book readers, devices that interact with information based on VR (Virtual Reality) and AR (Augmented Reality), in-vehicle terminals, IoT devices, wearable smart devices, laptops, desktop computers, etc. The credit reporting server 103 is used to process resource applications initiated by the first user through credit guarantee, and to cooperate with resource agencies to process resource applications. The credit reporting server 103 can be a single server, a server cluster consisting of several servers, or one or more cloud servers in a cloud computing platform. In addition, the implementation environment may also include a resource server 104 of the resource agency, which is used to review resource applications and distribute resources.

[0010] In this implementation environment, the first user initiates a resource application through a credit guarantee via the first terminal 101 and selects a second user to provide the credit guarantee. Based on this, the credit server 103, in cooperation with the first terminal 101 and the second terminal 102, authorizes the credit data of the first and second users. Further, based on the authorization results of the first and second users, it obtains the first user's first credit data and the second user's second credit data and performs a resource application check. If the check passes, the resource application is matched with candidate resource institutions accessed by the credit platform to obtain the target resource institution, and the resource application data is sent to the target resource institution's server for processing. This achieves resource application through credit guarantees between users.

[0011] It should be noted that, considering that the primary credit data, secondary credit data, credit data, communication data, transaction data, utility payment data, traffic records, asset data, and other related data involved in this manual may, to some extent, constitute user privacy, authorization from the user must be obtained before collecting such data to ensure that the data collection operation complies with relevant data management regulations. For example, data authorization can be granted within the credit reporting sub-program, or a credit data authorization list can be sent to the user so that they can select the authorized items from the list.

[0012] This specification provides one or more embodiments of a credit-based resource processing method as follows: Reference Figure 2 The resource processing method based on credit scoring provided in this embodiment specifically includes steps S202 to S208.

[0013] Step S202: Authorize the credit data of the first user and the second user based on the second user selected by the first user through credit guarantee for resource application.

[0014] In this embodiment, the first user refers to the applicant user who applies for resources. Applying for resources means borrowing, lending, or borrowing resources from a resource institution based on creditworthiness. Specifically, in this embodiment, this is done by having other users provide credit guarantees for the first user. The second user refers to the guarantor user invited by the first user to provide credit guarantees. Credit guarantee refers to using credit data to assess the guarantor user's and applicant user's ability or willingness to repay resources, thereby providing resource borrowing, lending, or borrowing to the applicant user under the guarantor user's guarantee.

[0015] In the specific execution process, when the first user applies for resources, they can do so through the credit reporting sub-program of the credit reporting platform. Specifically, they can access the application and then further access the credit reporting sub-program of the credit reporting platform running within the application. Through the credit reporting sub-program, they can initiate a request or operation to apply for resources with credit guarantee. The credit reporting platform refers to a third-party credit reporting agency that has obtained credit reporting qualifications.

[0016] Subsequently, after the credit reporting platform (the server of the credit reporting platform) receives the request or operation submitted by the first user's first terminal to apply for resources through credit reporting guarantee, it can return the first user's application's associated user list to the first user's first terminal, so that the first user can select an associated user from the returned associated user list as a second user to help the first user with credit reporting guarantee. Correspondingly, the first user can select a second user from the associated user list of the application running the credit reporting subroutine of the credit reporting platform; wherein, the associated user list can be the first user's friend list in the application, or it can be an interactive user list composed of the first user's historical interactive users in the credit reporting subroutine; In addition, after the credit reporting platform (the credit reporting platform's server) receives a request or operation from the first user's first terminal to apply for resources through credit reporting guarantee, it can also open or display the user input interface of the credit reporting subprogram to the first user. Accordingly, the first user can select a second user by entering the second user's information through the user input interface of the credit reporting subprogram. Specifically, in the process of the first user selecting a second user by entering the second user's information through the user input interface, the first user can select a second user who will help the first user with credit reporting guarantee by entering the identity information of the second user.

[0017] In practice, after the first user selects the second user to help them apply for resources through credit guarantee, the credit data of the first user and / or the second user is authorized. Specifically, in the credit data authorization process, credit data authorization can be carried out by sending a credit data authorization list to the first user and / or the second user, and the first user and / or the second user selecting authorization items from the credit data authorization list.

[0018] Specifically, in one optional implementation of this embodiment, authorizing the credit data of the first user and / or the second user includes: Send a credit data authorization list to a first user and / or a second user, and receive a first authorization item selected by the first user in the credit data authorization list, and / or receive a second authorization item selected by the second user in the credit data authorization list.

[0019] Here, the first authorized item refers to one or more authorized items selected by the first user in the credit data authorization list, and the second authorized item refers to one or more authorized items selected by the second user in the credit data authorization list. When the first user selects the first authorized item and / or the second user selects the second authorized item, the credit data authorized by the first user can be obtained based on the first authorized item, that is, the credit data corresponding to the first authorized item authorized by the first user can be obtained. Similarly, the credit data authorized by the second user can be obtained based on the second authorized item, that is, the credit data corresponding to the second authorized item authorized by the second user can be obtained.

[0020] Specifically, the authorized items in the credit data authorization list include at least one of the following: credit data authorization, communication data authorization, transaction data authorization, utility payment data authorization, traffic record authorization, and asset data authorization.

[0021] In practical applications, when a first user invites a second user to apply for resources using credit guarantees, in order to increase the likelihood of a successful resource application, either the first or second user can only expand the scope of credit data authorization as much as possible. This may result in situations where the actual scope of credit data authorization granted by the first or second user far exceeds the required scope for the resource application, or where the actual scope of credit data authorization granted by the first or second user is insufficient to meet the resource application requirements. To address this, and to ensure that the actual scope of credit data authorization granted by the first or second user matches the resource application, resource application prediction can be performed during the credit data authorization process for both users. This allows for a clear display of the resource application admission probability, prompting both users to authorize an appropriate range of credit data.

[0022] Specifically, in one optional implementation of this embodiment, authorizing the credit data of the first user and / or the second user further includes: predicting resource applications based on the first authorization item and / or the second authorization item, obtaining the resource application admission probability, and displaying the resource application admission probability on the authorization page of the credit data authorization list.

[0023] In the process of predicting resource applications based on the first authorization item and / or the second authorization item, the resource application admission probability can be obtained by inputting the first authorization item and / or the second authorization item into a pre-trained resource application prediction model to predict the admission probability. Alternatively, the resource application admission probability can be obtained by inputting the resource application prediction text and the first authorization item and / or the second authorization item into a large language model to predict the admission probability.

[0024] In this scenario, authorizing the credit data of the first user and / or the second user includes: sending a credit data authorization list to the first user and / or the second user; inputting the authorization items selected by the first user and / or the second user into a resource application prediction model to predict the access probability and obtain the resource application access probability, which is then displayed in the credit data authorization list. Correspondingly, the subsequent acquisition of the first user's first credit data and / or the second user's second credit data based on the authorization results can be replaced by acquiring the first credit data based on the first authorization item selected by the first user in the credit data authorization list and / or acquiring the second credit data based on the second authorization item selected by the second user in the credit data authorization list. Here, the first authorization item can be an authorization item previously selected by the first user, or it can be another authorization item besides that selected by the first user in the credit data authorization list. Similarly, the second authorization item can be an authorization item previously selected by the second user, or it can be another authorization item besides that selected by the second user in the credit data authorization list.

[0025] It should be noted that, in addition to the resource application prediction based on the first and / or second authorization items provided above, resource application prediction can also be performed based on the application parameters of the resource application and the first and / or second authorization items. Specifically, the resource application admission probability can be obtained by inputting the application parameters of the resource application and the first and / or second authorization items into a pre-trained resource application prediction model. Alternatively, the resource application admission probability can be obtained by inputting the predicted resource application text, the application parameters of the resource application, and the first and / or second authorization items into a large language model. In this case, the authorization of credit data for the first user and / or the second user includes: sending a credit data authorization list to the first user and / or the second user, and inputting the application parameters and... The authorization items selected by the first user and / or the authorization items selected by the second user are input into the resource application prediction model to predict the access probability and obtain the resource application access probability, which is then displayed in the credit data authorization list. Alternatively, the resource application prediction text, application parameters, and the authorization items selected by the first user and / or the second user are input into the resource application prediction model to predict the access probability and obtain the resource application access probability, which is then displayed in the credit data authorization list. Accordingly, the subsequent acquisition of the first user's first credit data and / or the second user's second credit data based on the authorization results can be replaced by acquiring the first credit data based on the first authorization item selected by the first user in the credit data authorization list and / or acquiring the second credit data based on the second authorization item selected by the second user in the credit data authorization list.

[0026] Step S204: Based on the authorization result, obtain the first credit data of the first user and the second credit data of the second user, and perform resource request detection.

[0027] After authorizing the credit data of the first user and / or the second user, based on the authorization results of the authorization of the credit data of the first user and / or the authorization results of the authorization of the credit data of the second user, the first credit data of the first user and / or the second credit data of the second user are obtained, and resource application detection is performed based on the obtained first credit data and / or second credit data.

[0028] Specifically, in the process of obtaining the first user's first credit data, the first credit data can be obtained from a third-party data source corresponding to the first authorization item. Similarly, in the process of obtaining the second user's second credit data, the second credit data can be obtained from a third-party data source corresponding to the second authorization item. Specifically, in one optional implementation of this embodiment, obtaining the first user's first credit data and / or the second user's second credit data based on the authorization result includes: obtaining user data as the first credit data from a third-party data source corresponding to the first authorization item according to the first authorization item, and / or obtaining user data as the second credit data from a third-party data source corresponding to the second authorization item according to the second authorization item.

[0029] As described above, the authorized items in the credit data authorization list include at least one of the following: credit data authorization item, communication data authorization item, transaction data authorization item, utility payment data authorization item, traffic record authorization item, and asset data authorization item; based on this, the first credit data and / or the second credit data of the second user obtained include at least one of the following: credit data, communication data, transaction data, utility payment data, traffic record, and asset data.

[0030] In specific implementation, after obtaining the first credit data of the first user and / or the second credit data of the second user, resource application detection is performed based on the first credit data and / or the second credit data. Specifically, in the resource application detection process, credit scoring can be performed on the first credit data and / or the second credit data to obtain a first credit score and / or a second credit score. Resource application detection is performed by checking whether the first credit score and / or the second credit score meet the resource application conditions. Specifically, in an optional implementation method provided in this embodiment, resource application detection is implemented in the following way: The first credit data is input into the credit scoring model to obtain a first credit score, and the second credit data is input into the same model to obtain a second credit score. The system then checks whether the first and second credit scores meet the resource application requirements. If yes, the test is considered passed; otherwise, it is considered failed. The resource application requirements refer to the access conditions set by the credit reporting platform for resource applications using credit guarantees, or they can be access conditions set by the credit reporting platform based on the access configuration information of resource institutions.

[0031] Step S206: If the detection passes, the resource application is matched with the candidate resource institutions accessed by the credit reporting platform to obtain the target resource institution.

[0032] In this embodiment, if the resource application detection result is passed, the target resource institution is obtained by matching the resource application with the candidate resource institutions connected to the credit reporting platform. This determines the resource institution that invites the second user to provide credit guarantee for the resource application submitted by the first user. The candidate resource institutions connected to the credit reporting platform refer to resource institutions that have signed an agency operation agreement with the credit reporting platform. Based on the signed agency operation agreement, the credit reporting platform can help the resource institutions to perform corresponding processing interactions during the resource application processing.

[0033] In practice, during the matching process between resource applications and candidate resource institutions connected to the credit reporting platform, the matching strategy between resource applications and candidate resource institutions can be used to match the applications and select the candidate resource institution as the target resource institution from the successfully matched candidate resource institutions; alternatively, the matching strategy can be used to match resource applications and candidate resource institutions, and select the candidate resource institution as the target resource institution from the successfully matched candidate resource institutions.

[0034] Specifically, in one optional implementation of this embodiment, matching resource applications with candidate resource institutions accessed by the credit reporting platform to obtain target resource institutions includes: determining a matching strategy based on the user configuration of the candidate resource institutions, and performing matching processing between resource applications and candidate resource institutions according to the matching strategy; selecting a candidate resource institution as the target resource institution from at least one candidate resource institution obtained through the matching processing.

[0035] In the specific implementation process, when matching resource applications with candidate resource institutions connected to the credit reporting platform, the application parameters, user information, and / or credit data of the resource application can be matched with the institution matching parameters of the candidate resource institutions. The application parameters include the application amount, application period, and / or application cycle; the institution matching parameters include the remaining resource amount, the number of resource recipients, risk preference configuration, and / or service geographical location information. When selecting a candidate resource institution as the target resource institution from at least one candidate resource institution obtained through the matching process, the candidate resource institutions can be ranked according to the matching degree or matching score between the resource application and the candidate institution. Specifically, the ranking can be done from highest to lowest matching degree or matching score, and the candidate resource institution ranked first is selected as the target resource institution.

[0036] In one optional implementation of this embodiment, the matching process between resource applications and candidate resource institutions according to a matching strategy includes: The location information of the first user and the second user is matched with the location information of each candidate resource institution to obtain the location matching result, and / or the first credit score of the first user and the second credit score of the second user are matched with the risk preference configuration of each candidate resource institution to obtain the risk matching result; At least one candidate resource institution is identified from among the candidate resource institutions based on the location matching results and / or risk matching results.

[0037] It should be noted that, in addition to the above-mentioned method of matching resource applications with candidate resource institutions connected to the credit reporting platform to obtain target resource institutions, other methods can also be used to match resource applications with candidate resource institutions. For example, matching resource applications with candidate resource institutions connected to the credit reporting platform to obtain target resource institutions includes: matching the geographical location information of the first user and the second user with the geographical location information of each candidate resource institution to obtain a location matching result, and / or matching the first user's first credit score and the second user's second credit score with the risk preference configuration of each candidate resource institution to obtain a risk matching result; and determining at least one candidate resource institution among the candidate resource institutions based on the location matching result and / or the risk matching result. Alternatively, the resource application can be matched with candidate resource institutions connected to the credit reporting platform to obtain the target resource institution, including: matching the application amount of the resource application with the remaining resource amount and / or resource object amount of each candidate resource institution to obtain the resource matching result; and determining at least one candidate resource institution among the candidate resource institutions based on the resource matching result. Alternatively, the application parameters, user information, and / or credit data can be input into the matching model along with the institutional matching parameters of the candidate resource institutions to calculate the matching degree or matching score. Based on the matching degree or matching score, at least one candidate resource institution can be determined from among the candidate resource institutions.

[0038] In addition, new implementation methods can be obtained by combining the above-mentioned methods of matching resource applications with candidate resource institutions connected to the credit reporting platform to obtain target resource institutions. Alternatively, one or more operations of the above-mentioned methods of matching resource applications with candidate resource institutions connected to the credit reporting platform to obtain target resource institutions can be combined to obtain new implementation methods. For example, the geographical location information of the first user and the second user can be matched with the geographical location information of each candidate resource institution to obtain a location matching result, and the application amount of the resource application can be matched with the remaining resource amount and / or resource object amount of each candidate resource institution to obtain a resource matching result. At least one candidate resource institution can be determined from among the candidate resource institutions based on the location matching result and the resource matching result.

[0039] Step S208: Send resource application data to the target resource institution for resource application processing.

[0040] After identifying the target resource provider, resource application data is sent to the target resource provider for resource application processing. Specifically, during the resource application processing, the resource application is processed according to the access review results returned by the target resource provider. If the target resource provider returns that the access review is approved, an agreement is signed so that the target resource provider can allocate resources after the agreement is signed. Specifically, the resource application data includes primary credit data, secondary credit data, application parameters for the resource application, user information of the primary user, and / or user information of the secondary user.

[0041] Specifically, in one optional implementation of this embodiment, sending resource request data to the target resource institution for resource request processing includes: Send resource application data to the target resource organization so that the target resource organization can conduct resource access review based on the resource application data; If the target resource agency returns and passes the access review, an agreement will be signed between the credit reporting platform, the target resource agency, the first user, and the second user, so that resources can be distributed to the first user after the agreement is signed.

[0042] In practical applications, after sending resource application data to the target resource institution, there may be cases where the resource access review fails. To address this, and to improve the success rate of users applying for resources through credit guarantees, resource application data can be sent to other resource institutions for processing. Specifically, in one optional implementation of this embodiment, if the target resource institution returns a failure to pass the review, resource application data is sent to a second target resource institution for processing. The second target resource institution can be one of the at least one candidate resource institutions obtained by matching the resource application with candidate resource institutions connected to the credit reporting platform; that is, another candidate resource institution other than the target resource institution among the at least one candidate resource institutions.

[0043] In summary, the credit-based resource processing method provided in this embodiment, during the process of a second user assisting a first user in applying for resources through credit guarantees, authorizes the credit data of the first user and / or the second user based on the second user selected by the first user. In this process, credit data authorization can be performed by sending a credit data authorization list to the first user and / or the second user, and the first user and / or the second user selecting authorization items from the credit data authorization list, thereby improving the flexibility of credit data authorization. Furthermore, based on the authorization results of the first user's credit data authorization and / or the second user's credit data authorization, the system obtains the first user's first credit data and / or the second user's second credit data. Based on the obtained first and / or second credit data, a resource application check is performed. If the check passes, the resource application is matched with candidate resource institutions connected to the credit reporting platform to obtain the target resource institution. This determines the target resource institution for the resource application submitted by the first user inviting the second user to provide credit guarantee. Finally, the resource application data is sent to the target resource institution, and the corresponding resource application is processed based on the access review results returned by the target resource institution, thereby improving the user's interactive experience with resource applications.

[0044] The following example uses a credit-based resource processing method provided in this embodiment in a lending scenario as an illustration. Figure 3 The credit-based resource processing method provided in this embodiment will be further explained below. See [link to relevant documentation]. Figure 3 The credit-based resource processing method applied to lending scenarios includes the following steps.

[0045] Step S302: Determine the second user selected by the first user for loan approval through credit guarantee.

[0046] Step S304: Send the credit data authorization list to the first user and the second user.

[0047] Step S306: Receive the first authorization item and the second authorization item selected by the first user and the second user from the credit data authorization list.

[0048] After receiving the first and second authorization items selected by the first and second users, the system can also predict loan approval based on the first and second authorization items to obtain the loan approval probability, which can then be displayed on the authorization page of the credit data authorization list.

[0049] Step S308: Obtain first credit data from the third-party data source corresponding to the first authorization item, and obtain second credit data from the third-party data source corresponding to the second authorization item.

[0050] Step S310: Input the first credit data into the credit scoring model to obtain a first credit score, and input the second credit data into the credit scoring model to obtain a second credit score.

[0051] Step S312: Check whether the first credit score and the second credit score meet the conditions for lending. If so, confirm that the check has passed and proceed to steps S314 to S318. If not, no action is needed, or a loan failure notification can be generated.

[0052] Step S314: Match the loan with the candidate funding institutions connected to the credit reporting platform to obtain the target funding institution.

[0053] Step S316: Send loan data to the target funding institution and receive the review results returned by the target funding institution after conducting the loan review.

[0054] Step S318: If the review is approved, the credit reporting platform and the target funding institution sign an agreement with the first and second users so that the target funding institution can release funds to the first user after the agreement is signed.

[0055] It should be noted that any one or more steps in steps S302 to S318 can be combined with any one or more steps in steps S202 to S208 to form a new implementation method according to the needs of implementation and deployment. In addition, any one or more technical features in steps S302 to S318 can be selected and combined with any one or more technical features provided in steps S202 to S208 to form a new implementation method according to the actual deployment needs. Alternatively, any one or more technical features in steps S302 to S318 can be replaced with any one or more technical features provided in steps S202 to S208 to form a new implementation method according to the actual deployment needs. These will not be elaborated on here.

[0056] The following is an embodiment of a credit-based resource processing device provided in this specification: In the above embodiments, a credit-based resource processing method is provided, and correspondingly, a credit-based resource processing device is also provided, which will be described below with reference to the accompanying drawings.

[0057] Reference Figure 4 This illustration shows a schematic diagram of an embodiment of a credit-based resource processing device provided in this embodiment.

[0058] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0059] This embodiment provides a credit-based resource processing device, the device comprising: The data authorization module 402 is configured to authorize the credit data of the first user and the second user based on the second user selected by the first user through the resource application with credit guarantee. The resource application detection module 404 is configured to obtain the first credit data of the first user and the second credit data of the second user based on the authorization result and perform resource application detection. The matching module 406 is configured to, if the detection passes, match the resource application with the candidate resource institutions accessed by the credit reporting platform to obtain the target resource institution; The data sending module 408 is configured to send resource request data to the target resource organization for resource request processing.

[0060] For ease of description, the above devices are described by dividing them into various modules or units based on their functions. Of course, when implementing one or more of these specifications, the functions of each module or unit can be implemented in the same or different software and / or hardware, or a module that performs the same function can be implemented by a combination of multiple sub-modules or sub-units, etc. The device embodiments described above are merely illustrative. For example, the division of units is only a logical functional division; in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed.

[0061] The following is an example of a credit-based resource processing device provided in this specification: Corresponding to the credit-based resource processing method described above, and based on the same technical concept, one or more embodiments of this specification also provide a credit-based resource processing device, which is used to execute the credit-based resource processing method provided above. Figure 5 This is a schematic diagram of the structure of a credit-based resource processing device provided for one or more embodiments of this specification.

[0062] This embodiment provides a credit-based resource processing device, comprising: like Figure 5As shown, credit-based resource processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 501 and memory 502, with memory 502 storing one or more application programs or data. Memory 502 can be temporary or persistent storage. The application programs stored in memory 502 may include one or more modules (not shown), each module including a series of computer-executable instructions from the credit-based resource processing device. Furthermore, processor 501 may be configured to communicate with memory 502, executing the series of computer-executable instructions in memory 502 on the credit-based resource processing device. The credit-based resource processing device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input / output interfaces 505, one or more keyboards 506, etc.

[0063] In one specific embodiment, the credit-based resource 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-based resource processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following: Based on the second user selected by the first user through credit guarantee in the resource application, the credit data of the first user and the second user are authorized. Based on the authorization result, obtain the first credit data of the first user and the second credit data of the second user, and perform resource request detection; If the test is passed, the resource application will be matched with the candidate resource institutions connected to the credit reporting platform to obtain the target resource institution; Resource request data is sent to the target resource institution for resource request processing.

[0064] This specification provides an embodiment of a computer-readable storage medium as follows: Corresponding to the credit-based resource processing method described above, and based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0065] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed, implement the following process: Based on the second user selected by the first user through credit guarantee in the resource application, the credit data of the first user and the second user are authorized. Based on the authorization result, obtain the first credit data of the first user and the second credit data of the second user, and perform resource request detection; If the test is passed, the resource application will be matched with the candidate resource institutions connected to the credit reporting platform to obtain the target resource institution; Resource request data is sent to the target resource institution for resource request processing.

[0066] It should be noted that the embodiments of a computer-readable storage medium described in this specification and the embodiments of a credit-based resource processing method described in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0067] This specification provides an example of a computer program product as follows: Corresponding to the credit-based resource processing method described above, and based on the same technical concept, one or more embodiments of this specification also provide a computer program product.

[0068] A computer program product includes a computer program / instructions that, when executed by a processor, perform the following steps: Based on the second user selected by the first user through credit guarantee in the resource application, the credit data of the first user and the second user are authorized. Based on the authorization result, obtain the first credit data of the first user and the second credit data of the second user, and perform resource request detection; If the test is passed, the resource application will be matched with the candidate resource institutions connected to the credit reporting platform to obtain the target resource institution; Resource request data is sent to the target resource institution for resource request processing.

[0069] It should be noted that the embodiments of a computer program product described in this specification and the embodiments of a credit-based resource processing method described in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0070] The various embodiments in this specification are described in a progressive manner. The same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on describing the differences from other embodiments. For example, the device embodiment, equipment embodiment and computer-readable storage medium embodiment are all similar to the method embodiment, so the description is relatively simple. When reading the relevant content of the device embodiment, equipment embodiment and computer-readable storage medium embodiment, please refer to the description of the method embodiment.

[0071] While one or more embodiments of this specification provide method steps as described in the embodiments or flowcharts, it is understood that the order of steps listed in the embodiments or flowcharts is merely one possible execution order among many steps, and does not represent the only execution order. Therefore, when the claims involve method steps, any changes or adjustments to the order of such steps, or the parallelism between steps, are also within the scope of protection of the claims. This specification uses specific terms to describe embodiments of this specification. For example, "an embodiment," "one embodiment," and / or "some embodiments" refer to a particular feature, structure, or characteristic related to at least one embodiment of this specification. Therefore, it should be emphasized and noted that "an embodiment," "one embodiment," or "an alternative embodiment" mentioned twice or more in different locations in this specification do not necessarily refer to the same embodiment. Furthermore, without contradiction, those skilled in the art can combine and integrate the different embodiments or examples described in this specification, as well as the features of different embodiments or examples.

[0072] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0073] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must also be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as 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 should also understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0074] The controller can be implemented in any suitable manner. For example, it 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, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0075] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0076] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0077] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied 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.

[0078] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0079] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0080] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0081] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0082] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0083] Computer-readable media include both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. 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 memory (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, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0084] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising at least one…" does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0085] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0086] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A credit-based resource processing method, comprising: Based on the second user selected by the first user through credit guarantee in the resource application, the credit data of the first user and the second user are authorized. Based on the authorization result, obtain the first credit data of the first user and the second credit data of the second user, and perform resource request detection; If the test is passed, the resource application will be matched with the candidate resource institutions connected to the credit reporting platform to obtain the target resource institution; Resource request data is sent to the target resource institution for resource request processing.

2. The resource processing method based on credit information according to claim 1, wherein authorizing the credit information data of the first user and the second user includes: Send a credit data authorization list to the first user and the second user, and receive the first authorization item selected by the first user in the credit data authorization list, and the second authorization item selected by the second user in the credit data authorization list.

3. The resource processing method based on credit reporting according to claim 2, wherein obtaining the first credit data of the first user and the second credit data of the second user based on the authorization result includes: User data is obtained from the third-party data source corresponding to the first authorization item as the first credit data, and user data is obtained from the third-party data source corresponding to the second authorization item as the second credit data.

4. The resource processing method based on credit information according to claim 2, wherein authorizing the credit information data of the first user and the second user further includes: Based on the first authorization item and the second authorization item, a resource application prediction is performed to obtain the resource application admission probability, which is then displayed on the authorization page of the credit data authorization list.

5. The resource processing method based on credit reporting according to claim 4, wherein the resource application prediction based on the first authorization item and the second authorization item includes: The application parameters of the resource application, the first authorization item, and the second authorization item are input into the resource application prediction model to predict the admission probability and obtain the resource application admission probability.

6. The resource processing method based on credit reporting according to claim 1, wherein the first user selects the second user from the user list of the application running the credit reporting subroutine of the credit reporting platform; Alternatively, the first user may select the second user by entering the second user information through the user entry interface of the credit reporting subroutine.

7. The resource processing method based on credit reporting according to claim 1, wherein the resource application detection is implemented in the following manner: The first credit data is input into the credit scoring model to obtain a first credit score, and the second credit data is input into the credit scoring model to obtain a second credit score. Check whether the first credit score and the second credit score meet the resource application requirements. If so, the check is considered successful.

8. The resource processing method based on credit reporting according to claim 1, wherein matching the resource application with candidate resource institutions accessed by the credit reporting platform to obtain the target resource institution includes: A matching strategy is determined based on the user configuration of the candidate resource institutions, and the resource application is matched with the candidate resource institutions in accordance with the matching strategy. Select a candidate resource institution as the target resource institution from at least one candidate resource institution obtained through the matching process.

9. The resource processing method based on credit reporting according to claim 8, wherein the matching process of the resource application and the candidate resource institutions according to the matching strategy includes: The location matching results are obtained by matching the location information of the first user and the second user with the location information of each candidate resource institution. The risk matching result is obtained by matching the first credit score of the first user and the second credit score of the second user with the risk preference configuration of each candidate resource institution. Based on the location matching results and the risk matching results, at least one candidate resource institution is determined from among the candidate resource institutions.

10. The resource processing method based on credit reporting according to claim 1, wherein sending resource application data to the target resource institution for resource application processing includes: Send the resource application data to the target resource institution so that the target resource institution can conduct resource access review based on the resource application data; If the target resource institution returns an approval for access, the credit reporting platform and the target resource institution will sign an agreement with the first user and the second user, so that resources can be distributed to the first user after the agreement is signed.

11. The resource processing method based on credit reporting according to claim 10, further comprising, after sending the resource application data to the target resource institution: If the target resource agency returns that the access review has failed, the resource application data is sent to the second target resource agency for resource application processing.

12. A credit-based resource processing device, comprising: The data authorization module is configured to authorize the credit data of the first user and the second user based on the second user selected by the first user through credit guarantee in the resource application. The resource application detection module is configured to obtain the first credit data of the first user and the second credit data of the second user based on the authorization result and perform resource application detection. The matching module is configured to, if the detection passes, match the resource application with the candidate resource institutions accessed by the credit reporting platform to obtain the target resource institution; The data sending module is configured to send resource request data to the target resource institution for resource request processing.

13. A credit-based resource processing device, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: Based on the second user selected by the first user through credit guarantee in the resource application, the credit data of the first user and the second user are authorized. Based on the authorization result, obtain the first credit data of the first user and the second credit data of the second user, and perform resource request detection; If the test is passed, the resource application will be matched with the candidate resource institutions connected to the credit reporting platform to obtain the target resource institution; Resource request data is sent to the target resource institution for resource request processing.

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

Images