Credit report generation method and device, equipment, storage medium and program product

Abstract

The invention provides a credit report generation method and device, equipment, a storage medium and a program product, and relates to the technical field of finance or other technologies. The method comprises the following steps: acquiring correction credit investigation information corresponding to a target user, wherein the correction credit investigation information comprises corrected first credit investigation data corresponding to at least one type of data items; for the first credit investigation data corresponding to the data items of each type, determining a message data format corresponding to the data items of the type, and adjusting the first credit investigation data into second credit investigation data conforming to the message data format; and according to the second credit investigation data corresponding to each type of data item, generating a credit investigation message corresponding to the correction credit investigation information. According to the method, the first credit investigation data can be adjusted into the second credit investigation data conforming to the message data format, so that the credit investigation message corresponding to the credit investigation information can be corrected through the second credit investigation data, namely, the credit investigation message corresponding to the historical credit investigation data can be generated, and the user experience is improved.

Description

Technical Field

[0001] This application relates to the financial or other technical fields, and in particular to a method, apparatus, device, storage medium, and program product for generating credit information messages. Background Technology

[0002] Credit data has wide applications in both financial and non-financial sectors. For example, when approving a user's credit card application, credit card issuers can obtain the user's credit data from credit reporting agencies and refer to this data to determine the credit card amount, etc.

[0003] In related technologies, when a user has objections to credit data, they can send a credit reporting message to the credit reporting agency through the credit reporting system to correct the credit data; the credit reporting agency receives the credit reporting message and corrects the user's credit data.

[0004] However, the inventors discovered at least the following technical problems in the existing technology: Since the credit reporting system has been upgraded from the first-generation credit reporting system to the second-generation credit reporting system, and the technology stacks of the first-generation credit reporting system and the second-generation credit reporting system are different, some historical credit data cannot be sent as credit reports through the second-generation credit reporting system, thus reducing the user experience. Summary of the Invention

[0005] This application provides a method, apparatus, device, storage medium, and program product for generating credit information messages, which can generate credit information messages corresponding to historical credit information data, thereby improving the user experience.

[0006] Firstly, this application provides a method for generating credit reporting messages, including:

[0007] Obtain corrected credit information corresponding to the target user, wherein the corrected credit information includes corrected first credit data corresponding to at least one type of data item;

[0008] For each type of data item corresponding to the first credit data, determine the message data format corresponding to the data item of that type, and adjust the first credit data to the second credit data that conforms to the message data format;

[0009] Based on the second credit data corresponding to each of the data items of each type, a credit report message corresponding to the corrected credit information is generated.

[0010] Secondly, this application provides an apparatus for generating credit reporting messages, comprising:

[0011] The acquisition module is used to acquire the corrected credit information corresponding to the target user, wherein the corrected credit information includes the first corrected credit data corresponding to at least one type of data item.

[0012] The determination module is used to determine the message data format corresponding to the first credit data for each type of data item, and adjust the first credit data to second credit data that conforms to the message data format;

[0013] The generation module is used to generate a credit report corresponding to the credit information based on the second credit data corresponding to each of the data items of the various types.

[0014] Thirdly, this application provides an electronic device, including: a memory and a processor;

[0015] The memory stores the instructions that the computer executes;

[0016] The processor executes computer execution instructions stored in memory, causing the processor to perform the implementation method described in the first aspect above.

[0017] Fourthly, this application provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the embodiments described in the first aspect above.

[0018] Fifthly, this application provides a computer program product, including a computer program that, when executed by a processor, is used to implement the embodiments described in the first aspect above.

[0019] This application provides a method, apparatus, device, storage medium, and program product for generating credit information messages. The method includes: acquiring corrected credit information corresponding to a target user, wherein the corrected credit information includes corrected first credit data corresponding to at least one type of data item; determining the message data format corresponding to the first credit data for each type of data item, and adjusting the first credit data to second credit data conforming to the message data format; and generating a credit information message corresponding to the corrected credit information based on the second credit data corresponding to each type of data item. In this embodiment, since the first credit data can be adjusted to second credit data conforming to the message data format, and thus the credit information message corresponding to the corrected credit information can be generated through the second credit data, and since the first credit data is historical credit data, this method can generate credit information messages corresponding to historical credit data, thereby improving the user experience. Attached Figure Description

[0020] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0021] Figure 1A schematic diagram illustrating an application scenario of a method for generating credit reports according to an embodiment of this application;

[0022] Figure 2 The flowchart of a method for generating a credit report message provided in this application embodiment Figure 1 ;

[0023] Figure 3 A schematic diagram of a method for generating a credit report message provided in this application embodiment. Figure 1 ;

[0024] Figure 4 A schematic diagram of a method for generating a credit report message provided in this application embodiment. Figure 2 ;

[0025] Figure 5 A schematic diagram of a method for generating a credit report message provided in this application embodiment. Figure 3 ;

[0026] Figure 6 A schematic diagram of a method for generating a credit report message provided in this application embodiment. Figure 4 ;

[0027] Figure 7 A schematic diagram of a credit reporting message generation device provided in an embodiment of this application;

[0028] Figure 8 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application.

[0029] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0030] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0031] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of the relevant data all comply with the relevant laws, regulations, and standards of the relevant countries and regions, have taken necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation portals for users to choose to authorize or refuse.

[0032] Furthermore, the technical solution involved in this application, which involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.) and the use of artificial intelligence technology for automated decision-making, and makes decisions that have a significant impact on personal rights based on the results of automated decision-making, provides users with corresponding operation entry points for users to choose to agree to or reject the results of automated decision-making; if the user chooses to reject, the process will proceed to the expert decision-making process.

[0033] It should be noted that the credit reporting message generation method, apparatus, equipment, storage medium and program product provided in this application can be used in the financial field, or in any field other than the financial field. The application field of the credit reporting message generation method, apparatus, equipment, storage medium and program product in this application is not limited.

[0034] Credit data has wide applications in both financial and non-financial sectors. For example, when approving a user's credit card application, credit card issuers can obtain the user's credit data from credit reporting agencies and refer to this data to determine the credit card amount, etc.

[0035] In related technologies, when a user has objections to their credit data, they can send a correction message to the credit reporting agency through the credit reporting system. The credit reporting agency receives the message and corrects the user's credit data. Currently, the credit reporting system has been upgraded from the first-generation system to the second-generation system. Some interfaces from the first-generation system are still retained to meet the needs of all branches of the bank for viewing, correcting, deleting, and supplementing historical credit data. However, because the credit reporting system has been upgraded from the first-generation to the second-generation system, and the technology stacks of the two systems are different, historical credit data cannot be sent through the second-generation system, thus reducing the user experience.

[0036] Therefore, how to generate credit reports corresponding to historical credit data in order to improve user experience is a technical problem that urgently needs to be solved.

[0037] To solve the above-mentioned technical problems, the inventor's technical concept is as follows: a message generation scheme based on historical credit information data of the second-generation credit reporting system is provided, which realizes the integration of the first and second-generation credit reporting systems and provides the function of handling objections to historical credit reporting data.

[0038] Accordingly, the specific steps may include: First, obtaining the corrected credit information corresponding to the target user, which includes corrected first credit data corresponding to at least one type of data item. Then, for each type of data item corresponding to the first credit data, determining the message data format corresponding to that type of data item, and adjusting the first credit data to second credit data conforming to the message data format. Finally, generating a credit report message corresponding to the corrected credit information based on the second credit data corresponding to each type of data item.

[0039] In this technical solution, since the first credit data can be adjusted to the second credit data that conforms to the message data format, and the credit message corresponding to the credit information can be corrected through the second credit data, the user experience is improved. The first credit data is historical credit data, that is, this method can generate credit messages corresponding to historical credit data.

[0040] Figure 1 This is a schematic diagram illustrating an application scenario of a method for generating credit reporting messages provided in an embodiment of this application. For example... Figure 1 As shown, terminal 101 and server 102 are connected via a network. In application scenarios where there are objections to credit data in credit reporting agencies, users can send a request to modify their credit information to server 102 through terminal 101. Server 102 obtains the user's corresponding corrected credit information, generates a corresponding credit reporting message using the credit reporting message generation method provided in this application, and sends the credit reporting message to the credit reporting agency. The credit reporting agency then modifies the user's credit data in its basic database, thereby realizing the function of handling objections to credit data.

[0041] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will now be described with reference to the accompanying drawings.

[0042] Figure 2 The flowchart of a method for generating a credit report message provided in this application embodiment Figure 1 ,like Figure 2 As shown, the method includes:

[0043] S201. Obtain the corrected credit information corresponding to the target user. The corrected credit information includes the corrected first credit data corresponding to at least one type of data item.

[0044] In this embodiment of the application, the target user can be a user who has objections to their credit information. Accordingly, obtaining the corrected credit information corresponding to the target user includes: in response to receiving a modification request for the target user's credit information, determining whether the credit data corresponding to each data item in the target user's credit information has been modified; extracting the credit data corresponding to at least one modified data item to obtain the corrected credit information corresponding to the target user.

[0045] Optionally, the credit data corresponding to each data item in the target user's credit information includes: credit data corresponding to basic information items, credit data corresponding to identity information items, credit data corresponding to occupational information items, credit data corresponding to residential address items, credit data corresponding to guarantee information items, and credit data corresponding to special transaction items.

[0046] For example, such as Figure 3 As shown, a target user can query their credit information and initiate a correction request through the client. Specifically, the target user can select the "Basic Segment," "Identity Information Segment," "Occupation Information Segment," "Residential Address Segment," "Guarantee Information Segment," and "Special Transaction Segment" tabs in the credit information to make corrections and submit a modification request for their credit information. The corrected information for each segment is stored in the corresponding correction table. At this point, the server receives the modification request for the target user's credit information.

[0047] In some embodiments, such as Figure 4 As shown, obtaining the corrected credit information corresponding to the target user may include the following steps (1) to (3):

[0048] (1) Determine whether the “basic segment”, “identity information segment”, “occupation information segment”, “residential address segment”, “guarantee information segment” and “special transaction segment” are modified for the first time. If they have been modified in the past, the process ends directly. If it is the first time to modify, take the correction data that has not yet been processed according to the correction date.

[0049] (2) The basic segment correction table is the main table. Based on the "credit identification code", the identity information segment correction table, occupation information segment correction table, residential address segment correction table, guarantee information segment correction table and special transaction segment correction table are respectively linked. Among them, the guarantee information segment has a one-to-many relationship between the credit identification code and guarantee information, which needs to be concatenated into one line for processing.

[0050] (3) Insert the association results from step (2) into the data table to be reported. Add segment label information to the associated segments and leave the unassociated segments empty. For example, the information in each segment table can be: basic segment label A, identity information segment label B, occupational information segment C, residential address segment D, guarantee information segment E, and special transaction segment G.

[0051] S202. For the first credit data corresponding to each type of data item, determine the message data format corresponding to the data item of the type, and adjust the first credit data to the second credit data that conforms to the message data format.

[0052] In this embodiment of the application, this step may include the following steps (A) to (C):

[0053] (A) For the first credit data corresponding to each type of data item, determine the number of message bytes corresponding to the data item of that type.

[0054] The number of bytes in the message corresponding to each type of data item conforms to the data item filling rules and message organization specifications of the data acquisition interface.

[0055] Optionally, the specifications for data item entry rules and message organization include:

[0056] I. Data Item Definition:

[0057] (1) Identifier: refers to the unique identifier of the data element corresponding to the data item in the data element directory.

[0058] (2) Data item name: The name of the data item to be collected, such as financial institution code, name, document type, etc.

[0059] (3) Types: The credit reporting system uses three data types, as defined in the table below.

[0060]

[0061] (4) Length: The length of the data item, in bytes.

[0062] (5) Location: refers to the start and end addresses of the data item.

[0063] (6) Status: refers to the filling status of the data item in the segment.

[0064] “M” indicates that the data item must be submitted.

[0065] “O” indicates that the data item can be submitted or not. If the data item is not submitted, it must be filled with a half-width space.

[0066] II. Data Item Entry Rules

[0067] (1) Data items of type AN or ANC are left-aligned, and if the number of digits is insufficient, they are padded with half-width spaces on the right. Data items of type N are right-aligned and padded with 0s on the left. (2) All data items cannot be empty; if they cannot be filled, they are filled with spaces. Spaces uniformly refer to the characters corresponding to ASCII code 0X20. (3) For ANC type data items, spaces before and within the data item, as well as other characters outside the encoding range, must be removed. (4) The length of each data item refers to the number of bytes.

[0068] III. Message Body Organization Structure

[0069]

[0070] Note: 1. Number of occurrences: refers to the number of times each information segment appears in an account record. "0:1" means it does not appear or appears once, "0:n" means it may not appear or may appear multiple times, and "1:1" means it appears exactly once.

[0071] 2. Status: Refers to the existence status of each information segment in an account record. "M" indicates mandatory, meaning that the segment must exist in the account record; "C" indicates conditional, meaning that the segment must exist in the account record if the condition is met, and may or may not appear if the condition is not met.

[0072] The following examples illustrate the message data formats corresponding to the basic segment, identity information segment, occupation information segment, residential address segment, guarantee information segment, and special transaction segment:

[0073] (1) Message data format corresponding to the basic segment data item

[0074]

[0075]

[0076] (2) Message data format corresponding to the identity information segment data item

[0077]

[0078] (3) Message data format corresponding to the occupational information segment data item

[0079]

[0080] (4) Message data format corresponding to the residential address data item

[0081]

[0082] (5) Message data format corresponding to the data item in the guarantee information segment

[0083]

[0084] (6) Message data format corresponding to special transaction segment data items

[0085]

[0086] (B) Call the message padding model to obtain the number of bytes and characters of the first credit data.

[0087] Optionally, such as Figure 5 As shown, the message padding model is called using a custom message padding function. This custom message padding function has two input parameters: a data item (field) and a length (total). After padding the data items in each segment to the required length, it outputs the data item with the padded length. Furthermore, the custom message padding function can also calculate the total message length.

[0088] For example, a custom message padding function is used to determine the byte value A1 of the first credit data and the character value A2 of the data item storage.

[0089] (C) Adjust the first credit data to conform to the second credit data that meets the requirements of the message byte size, based on the number of bytes and characters of the first credit data and the number of message bytes corresponding to the data item of the type.

[0090] Optionally, this step may include:

[0091] (1) Determine the number of Chinese characters and English characters in the first credit data based on the number of bytes and characters in the first credit data.

[0092] Optionally, the first credit data byte value A1 and the data item stored character value A2, where the number of Chinese characters in the first credit data occupies 3 bytes. In this case, the number of Chinese characters B in the data item is calculated by rounding down according to the formula (A1-A2) / 2; the number of English characters in the data item is calculated according to the formula (A2-B).

[0093] (2) Determine the number of bytes in the message corresponding to the first credit data based on the number of Chinese characters and the number of English characters.

[0094] Optionally, the number of Chinese characters in the first credit information data in the message occupies 2 bytes. In this case, the number of bytes in the message corresponding to the first credit information data can be determined according to the formula B*2+(A2-B).

[0095] (3) Adjust the first credit data to the second credit data that conforms to the message byte size according to the message byte size corresponding to the first credit data and the message byte size corresponding to the data item of the type.

[0096] Optionally, this step may include: if the number of bytes corresponding to the first credit data is less than the number of bytes corresponding to the data item of that type, then adjust the number of bytes corresponding to the first credit data to be equal to the number of bytes corresponding to the data item of that type, to obtain second credit data that conforms to the byte size; if the number of bytes corresponding to the first credit data is equal to the number of bytes corresponding to the data item of that type, then determine the first credit data as second credit data that conforms to the byte size; if the number of bytes corresponding to the first credit data is greater than the number of bytes corresponding to the data item of that type, then truncate the first credit data, adjust the number of bytes corresponding to the truncated first credit data to be equal to the number of bytes corresponding to the data item of that type, to obtain second credit data that conforms to the byte size.

[0097] For example, when the two are equal, the field (i.e., the first credit data) is returned directly; when the calculated value is less than the length of the total number of bits (i.e., the number of bytes in the message corresponding to the data item of this type), the field is padded with spaces on the right according to the total length of the total; when the calculated value is greater than the length of the total number of bits, the field is truncated according to the length value of the total / 2 rounded down, and then the "truncated characters" are padded with spaces on the right according to the total length of the total.

[0098] It should be noted that when the data type of the first credit data is AN or ANC, it is left-aligned, and the custom message padding function is directly called to adjust the first credit data to the second credit data that conforms to the message byte size. When the data type of the first credit data is N, it is right-aligned, so it is first padded with 0s on the left before the custom message padding function is called to adjust the first credit data to the second credit data that conforms to the message byte size.

[0099] S203. Generate a credit report message corresponding to the correction of credit information based on the second credit report data corresponding to each type of data item.

[0100] In some embodiments, such as Figure 6 As shown, this step includes: adding the second credit data corresponding to each type of data item to the processing and reporting interface table, retrieving data from the processing and reporting interface table, generating a text file including message name, message header and message body information; and then processing the text file into a credit message in standard message format.

[0101] This application provides a method for generating credit information messages: First, obtain corrected credit information corresponding to the target user. The corrected credit information includes corrected first credit data corresponding to at least one type of data item. Then, for the first credit data corresponding to each type of data item, determine the message data format corresponding to the data item, and adjust the first credit data to second credit data conforming to the message data format. Finally, generate a credit information message corresponding to the corrected credit information based on the second credit data corresponding to each type of data item. In this embodiment, since the first credit data can be adjusted to second credit data conforming to the message data format, and thus the credit information message corresponding to the corrected credit information can be generated through the second credit data, and since the first credit data is historical credit data, this method can generate credit information messages corresponding to historical credit data, thereby improving the user experience.

[0102] Figure 7 A schematic diagram of the structure of a credit reporting message generation device provided in this application embodiment. Figure 1 ,like Figure 7 As shown, the device includes:

[0103] The acquisition module 701 is used to acquire the corrected credit information corresponding to the target user. The corrected credit information includes the first corrected credit data corresponding to at least one type of data item.

[0104] The determination module 702 is used to determine the message data format corresponding to the first credit data for each type of data item, and adjust the first credit data to the second credit data that conforms to the message data format.

[0105] The generation module 703 is used to generate credit information messages corresponding to credit information based on the second credit information data corresponding to each type of data item.

[0106] In one possible implementation, the acquisition module 701 acquires the corrected credit information corresponding to the target user, including: in response to receiving a modification request for the credit information of the target user, determining whether the credit data corresponding to each data item in the credit information of the target user has been modified; extracting the credit data corresponding to at least one modified data item to obtain the corrected credit information corresponding to the target user.

[0107] In one possible implementation, the credit data corresponding to each data item in the target user's credit information includes: credit data corresponding to basic information items, credit data corresponding to identity information items, credit data corresponding to occupational information items, credit data corresponding to residential address items, credit data corresponding to guarantee information items, and credit data corresponding to special transaction items.

[0108] In one possible implementation, the determining module 702 determines the message data format corresponding to the first credit data for each type of data item, and adjusts the first credit data to second credit data that conforms to the message data format. This includes: determining the number of message bytes corresponding to the first credit data for each type of data item; calling a message padding model to obtain the number of bytes and characters of the first credit data; and adjusting the first credit data to second credit data that conforms to the message byte format based on the number of bytes and characters of the first credit data and the number of message bytes corresponding to the type of data item.

[0109] In one possible implementation, the determining module 702 adjusts the first credit data to second credit data that conforms to the message byte size based on the byte length and character count of the first credit data and the message byte length corresponding to the data item of the type. This includes: determining the number of Chinese characters and English characters in the first credit data based on the byte length and character count of the first credit data; determining the message byte length corresponding to the first credit data based on the number of Chinese characters and English characters; and adjusting the first credit data to second credit data that conforms to the message byte size based on the message byte length corresponding to the first credit data and the message byte length corresponding to the data item of the type.

[0110] In one possible implementation, the determining module 702 adjusts the first credit data to second credit data that conforms to the specified message byte length based on the message byte length of the first credit data and the message byte length of the data item of the type. This includes: if the message byte length of the first credit data is less than the message byte length of the data item of the type, then the message byte length of the first credit data is adjusted to be equal to the message byte length of the data item of the type, to obtain second credit data that conforms to the specified message byte length; if the message byte length of the first credit data is equal to the message byte length of the data item of the type, then the first credit data is determined to be second credit data that conforms to the specified message byte length; if the message byte length of the first credit data is greater than the message byte length of the data item of the type, then the first credit data is truncated, and the message byte length of the truncated first credit data is adjusted to be equal to the message byte length of the data item of the type, to obtain second credit data that conforms to the specified message byte length.

[0111] The present application provides a credit reporting message generation device that can adjust first credit reporting data into second credit reporting data that conforms to the message data format. In this way, the credit reporting message corresponding to the credit reporting information can be corrected through the second credit reporting data. The first credit reporting data is historical credit reporting data, that is, the method can generate credit reporting messages corresponding to historical credit reporting data, thus improving the user experience.

[0112] Figure 8This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Figure 8 As shown, the electronic device 800 provided in this embodiment includes at least one processor 801 and a memory 802. Optionally, the device 800 further includes a communication component 803. The processor 801, memory 802, and communication component 803 are connected via a bus 804.

[0113] In a specific implementation, at least one processor 801 executes computer execution instructions stored in memory 802, causing at least one processor 801 to perform the above-described method.

[0114] The specific implementation process of processor 801 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0115] In the above embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0116] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.

[0117] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0118] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0119] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described method.

[0120] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0121] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the device.

[0122] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that this application is not limited to the described order of actions, as some steps may be performed in other orders or simultaneously according to this application. Furthermore, those skilled in the art should also understand that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily essential to this application.

[0123] It should be further noted that although the steps in the flowchart are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowchart may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the sub-steps or stages of other steps.

[0124] It should be noted that the terms "first," "second," etc., in the claims, specification, and accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that embodiments of the invention described herein can be implemented, for example, in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, products, or apparatus.

[0125] It should be understood that the above-described device embodiments are merely illustrative, and the device of this application can also be implemented in other ways. For example, the division of units / modules in the above embodiments is only a logical functional division, and there may be other division methods in actual implementation. For example, multiple units, modules, or components may be combined, or integrated into another system, or some features may be ignored or not executed.

[0126] Furthermore, unless otherwise specified, the functional units / modules in the various embodiments of this application can be integrated into one unit / module, or each unit / module can exist physically separately, or two or more units / modules can be integrated together. The integrated units / modules described above can be implemented in hardware or as software program modules.

[0127] When integrated units / modules are implemented in hardware, the hardware can be digital circuits, analog circuits, etc. The physical implementation of the hardware structure includes, but is not limited to, transistors, memristors, etc. Unless otherwise specified, the processor can be any suitable hardware processor, such as a CPU, GPU, FPGA, DSP, and ASIC, etc. Unless otherwise specified, the storage unit can be any suitable magnetic or magneto-optical storage medium, such as Resistive Random Access Memory (RRAM), Dynamic Random Access Memory (DRAM), Static Random Access Memory (SRAM), Enhanced Dynamic Random Access Memory (EDRAM), High-Bandwidth Memory (HBM), Hybrid Memory Cube (HMC), etc.

[0128] If the integrated unit / module is implemented as a software program module and sold or used as an independent product, it can be stored in a computer-readable storage device (CMD). Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a memory and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this application. The aforementioned memory includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0129] In the above embodiments, the descriptions of each embodiment have their own emphasis. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments. The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as the combination of these technical features does not contradict each other, it should be considered within the scope of this specification.

[0130] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.

[0131] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. A method for generating credit reporting messages, characterized in that, The method includes: Obtain corrected credit information corresponding to the target user, wherein the corrected credit information includes corrected first credit data corresponding to at least one type of data item; For each type of data item corresponding to the first credit data, determine the message data format corresponding to the data item of that type, and adjust the first credit data to the second credit data that conforms to the message data format; Based on the second credit data corresponding to each of the data items of each type, a credit report message corresponding to the corrected credit information is generated.

2. The generation method according to claim 1, characterized in that, The process of obtaining the corrected credit information corresponding to the target user includes: In response to receiving a request to modify the credit information of a target user, determine whether the credit data corresponding to each data item in the credit information of the target user has been modified; Extract the credit data corresponding to at least one modified data item to obtain the corrected credit information for the target user.

3. The generation method according to claim 2, characterized in that, The credit data corresponding to each data item in the target user's credit information includes: credit data corresponding to basic information items, credit data corresponding to identity information items, credit data corresponding to occupation information items, credit data corresponding to residential address items, credit data corresponding to guarantee information items, and credit data corresponding to special transaction items.

4. The generation method according to claim 1, characterized in that, The step of determining the message data format corresponding to the first credit data for each type of data item, and adjusting the first credit data to second credit data conforming to the message data format, includes: For each type of data item, the first credit data is used to determine the number of message bytes corresponding to that type of data item; The message padding model is invoked to obtain the number of bytes and characters in the first credit data. Based on the number of bytes and characters in the first credit data and the number of bytes in the message corresponding to the data item of the type, the first credit data is adjusted to second credit data that conforms to the number of bytes in the message.

5. The generation method according to claim 4, characterized in that, The step of adjusting the first credit data to conform to the specified message byte length based on the byte length and character length of the first credit data and the message byte length corresponding to the data item of the specified type includes: Based on the number of bytes and the number of characters in the first credit data, determine the number of Chinese characters and the number of English characters in the first credit data; The number of message bytes corresponding to the first credit data is determined based on the number of Chinese characters and the number of English characters. Based on the number of message bytes corresponding to the first credit data and the number of message bytes corresponding to the data item of the aforementioned type, the first credit data is adjusted to second credit data that conforms to the specified message byte size.

6. The generation method according to claim 5, characterized in that, The step of adjusting the first credit data to second credit data conforming to the specified message byte length based on the message byte length corresponding to the first credit data and the message byte length corresponding to the data item of the specified type includes: If the number of bytes in the message corresponding to the first credit data is less than the number of bytes in the message corresponding to the data item of the type, then adjust the number of bytes in the message corresponding to the first credit data to be equal to the number of bytes in the message corresponding to the data item of the type, and obtain the second credit data that conforms to the number of bytes in the message; If the number of bytes in the message corresponding to the first credit data is equal to the number of bytes in the message corresponding to the data item of the aforementioned type, then the first credit data is determined to be the second credit data that conforms to the specified number of bytes in the message. If the number of bytes in the message corresponding to the first credit data is greater than the number of bytes in the message corresponding to the data item of the aforementioned type, then the first credit data is truncated, and the number of bytes in the message corresponding to the truncated first credit data is adjusted to be equal to the number of bytes in the message corresponding to the data item of the aforementioned type, thereby obtaining second credit data that conforms to the specified number of bytes.

7. A device for generating credit reporting messages, characterized in that, The device includes: The acquisition module is used to acquire the corrected credit information corresponding to the target user, wherein the corrected credit information includes the first corrected credit data corresponding to at least one type of data item. The determination module is used to determine the message data format corresponding to the first credit data for each type of data item, and adjust the first credit data to second credit data that conforms to the message data format; The generation module is used to generate a credit report corresponding to the credit information based on the second credit data corresponding to each of the data items of the various types.

8. An electronic device, characterized in that, The electronic device includes: a memory and a processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory, causing the processor to perform the credit report generation method as described in any one of claims 1-6.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the method for generating credit information messages as described in any one of claims 1-6.

10. A computer program product comprising a computer program that, when executed by a processor, implements the method for generating credit reporting messages as described in any one of claims 1-6.

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