Method and system for matching funds by using credit investigation data

Abstract

This invention provides a method for matching funds using credit information, comprising: a fundraiser logging into the webpage of a credit rating generation server and authorizing the retrieval of credit information; the credit rating generation server redirecting the user's device to the website of a credit reporting center to verify their identity; uploading encrypted scoring data to the website and transmitting the data to the credit rating generation server; the credit rating generation server transmitting the encrypted data to a firewall device and then to an encryption / decryption device; the device generating a decryption command, and the firewall device decrypting the data and transmitting it to the encryption / decryption device; and then transmitting the data to the credit rating generation server; the server webpage displaying the fundraiser's credit rating and funding needs information. Thus, the method and system of this invention not only assist fundraisers in obtaining credit reports, converting them into credit ratings, and publicly publishing them to raise funds, but also achieve the effect of fully online electronic operation while ensuring the security and non-disclosure of personal information.

Description

Technical Field

[0001] This invention relates to a fund matching system, and more particularly to a method and system for matching funds using credit information, which can assist fundraisers in obtaining credit reports, converting them into credit ratings, and publicly publishing them to obtain fundraising. Background Technology

[0002] With the rapid development of network transmission, many online businesses have emerged, especially online fundraising activities. Many entrepreneurs, in order to raise their first capital, will offer products and services to investors at low prices through online fundraising.

[0003] Before launching a fundraising campaign, fundraisers typically require a credit report to reassure investors. Currently, obtaining a credit report usually requires the fundraiser to personally visit a credit reporting agency through a bank, fill out numerous application forms, and undergo multiple review processes before the agency receives the application. This process is not only time-consuming but also carries the risk of personal information leakage. Even after successfully obtaining the credit report, its credibility remains questionable, and the fundraiser's personal information is also displayed along with the report when it is publicly shown.

[0004] Therefore, how to solve the problems and deficiencies of the existing technology is the direction that the inventors of this invention and related manufacturers in this industry urgently need to research and improve. Summary of the Invention

[0005] The main objective of this invention is to provide a method and system for matching funds using credit information, which can assist fundraisers in obtaining credit reports, converting them into credit ratings, and publicly publishing them to raise funds.

[0006] The secondary objective of this invention is to provide a method and system for matching funds using credit information that can be operated online electronically and ensures the security of personal information from being leaked.

[0007] To achieve the above objectives, the specific technical solution of the present invention is as follows: A method for matching funds using credit information, characterized by: including A fundraiser uses a user device to log into a credit rating generation webpage of a credit rating generation server and authorizes the credit rating generation server to retrieve credit information. The credit rating generation server redirects the user's device browser to a credit reporting service website of a credit reporting center, where the credit reporting center website verifies the identity of the fundraiser. The credit reporting center uses a credit reporting encryption unit to generate encrypted scoring data based on the credit score file and ID number of the fundraiser. Fundraisers select a browser on the credit reporting service website to be redirected to the credit rating generation webpage and upload encrypted scoring data. The encrypted scoring data is then transmitted to the credit rating generation server on the credit rating generation webpage. The credit rating generation server transmits the encrypted rating data to a firewall device, and the firewall device transmits the encrypted rating data to an encryption / decryption device. The encryption / decryption device generates a decryption command to the firewall device, and the firewall device decrypts the encrypted score data and generates decrypted score data, which is then sent to the encryption / decryption device. The encryption / decryption device reads the decrypted scoring data and generates credit rating data and masked identity data, which are then sent to the firewall device. The firewall device then transmits the credit rating data and masked identity data to the credit rating generation server. The credit rating generation server then converts the credit rating data into a display matching rating data.

[0008] Furthermore, the fundraiser registers with the credit rating generation server and generates fundraiser registration information. The fundraiser logs into the credit rating generation server with the fundraiser registration information and provides the fundraiser with a certificate of natural person status or securities transaction certificate to the credit reference center. The credit reference center verifies the fundraiser's certificate information. The credit rating generation server integrates the fundraiser registration information and credit rating data to convert it into the display and matching rating data, and displays the display and matching rating data and a funding demand information on a matching webpage.

[0009] Furthermore, when the fundraiser authorizes the credit rating generation server to retrieve credit information, the fundraiser generates authorization information, and the credit rating generation server stores the authorization information.

[0010] Furthermore, the credit scoring decryption data includes the credit scoring file and the fundraiser's ID number, and the fundraiser can download the credit scoring file from the credit reference center's website.

[0011] Furthermore, the firewall device has a decryption unit that receives the decryption instruction and decrypts the encrypted scoring data to generate the decrypted scoring data. The encryption and decryption device also has a scoring file conversion unit and an identity data masking unit. The scoring file conversion unit reads the decrypted scoring data and generates the credit rating data, and the identity data masking unit reads the decrypted scoring data and generates the masked identity data.

[0012] A system for matching funds using credit information, characterized in that it includes: A user device, held by a fundraiser; A credit rating generation server has a credit rating generation webpage for user devices to browse. The user device's browser is redirected to a credit reporting service website of a credit reporting center, where the credit reporting center verifies the fundraiser. The credit reporting center generates encrypted scoring data based on the fundraiser's credit score file and ID number using a credit reporting encryption unit. The fundraiser selects to be redirected to the credit rating generation webpage on the credit reporting service website and uploads the encrypted scoring data. The encrypted scoring data is then transmitted to the credit rating generation server on the credit rating generation webpage. A firewall device is signal-connected to the credit rating generation server, and the credit rating generation server transmits the encrypted rating data to the firewall device; and An encryption / decryption device is signal-connected to the firewall device. The encryption / decryption device receives the encrypted scoring data and generates a decryption command to the firewall device. The firewall device decrypts the encrypted scoring data and generates decrypted scoring data to the encryption / decryption device. The encryption / decryption device reads the decrypted scoring data and generates credit rating data and masked identity data to the firewall device. The firewall device then transmits the credit rating data and masked identity data to a credit rating generation server. The credit rating generation server then converts the credit rating data into a matching rating data.

[0013] Furthermore, the fundraiser registers with the credit rating generation server and generates fundraiser registration information. The fundraiser logs into the credit rating generation server with the fundraiser registration information and provides the fundraiser with a certificate of natural person status or securities transaction certificate to the credit reference center. The credit reference center verifies the fundraiser's certificate information. The credit rating generation server integrates the fundraiser registration information and credit rating data to convert it into the display and matching rating data, and displays the display and matching rating data and a funding demand information on a matching webpage.

[0014] Furthermore, when the fundraiser authorizes the credit rating generation server to retrieve credit information, the fundraiser generates authorization information, and the credit rating generation server stores the authorization information.

[0015] Furthermore, the credit scoring decryption data includes a credit scoring profile and the fundraiser's ID number, which the fundraiser can download from the credit reference center's website.

[0016] Furthermore, the firewall device has a decryption unit that receives the decryption instruction and decrypts the encrypted scoring data to generate the decrypted scoring data. The encryption and decryption device also has a scoring file conversion unit and an identity data masking unit. The scoring file conversion unit reads the decrypted scoring data and generates the credit rating data, and the identity data masking unit reads the decrypted scoring data and generates the masked identity data.

[0017] Through the above design scheme, the present invention can bring the following beneficial effects: 1. It can assist fundraisers in obtaining credit reports and converting them into credit ratings, which can then be publicly published to attract funds; 2. It allows for online electronic operations and ensures the security of personal information without leakage. Attached Figure Description

[0018] The present invention will be further described below with reference to the accompanying drawings and specific embodiments:

[0019] Figure 1 The flowchart of the present invention is a method for matching funds using credit information.

[0020] Figure 2 This invention provides a system block diagram of a fund matching system that utilizes credit information.

[0021] Figure 3 This invention utilizes a credit information matching system to implement a block diagram. Figure 1 .

[0022] Figure 4 This invention utilizes a credit information matching system to implement a block diagram. Figure 2 .

[0023] Figure 5 This invention utilizes a credit information matching system to implement a block diagram. Figure 3 .

[0024] Figure 6 This invention utilizes a credit information matching system to implement a block diagram. Figure 4 .

[0025] Figure 7 This invention utilizes a credit information matching system to implement a block diagram. Figure 5 .

[0026] Figure 8 This invention utilizes a credit information matching system to implement a block diagram. Figure 6 .

[0027] Explanation of markings in the diagram: Steps S1 to S8; 1-User equipment; 11-Browser; 2-Credit rating generation server; 21-Credit rating generation webpage; 3-Credit reporting center; 31-Credit reporting service website; 32-Credit reporting encryption unit; 4-Firewall device; 41-Decryption unit; 5-Encryption / decryption device; 51-Score file conversion unit; 52-Identity data masking unit; 6-Matching server; 61-Matching webpage; CI-Certificate information; AD-Authorization information; SED-Score encryption information; DI-Decryption command; SDD-Score decryption information; CSD-Credit rating information; MRD-Display matching rating information; MID-Mask identity information; FND-Funding requirement information. Detailed Implementation

[0028] To better understand the purpose, structure, and function of this invention, the following detailed description of the method and system for matching funds using credit information, in conjunction with the accompanying drawings, is provided.

[0029] First, please refer to Figure 1 and Figure 2 The diagram shows a flowchart and system block diagram of the method for matching funds using credit information according to the present invention. As can be clearly seen from the diagram, the method for matching funds using credit information includes the following steps: S1: A fundraiser uses a user device 1 to log in to a credit rating generation webpage 21 of a credit rating generation server 2 and authorizes the credit rating generation server 2 to retrieve credit information. This method is primarily performed by a fundraiser using their user device 1 (e.g., a computer, mobile device). The fundraiser can be an individual or a company. Before logging in, the fundraiser needs to register on the credit rating generation server 2 by providing their own information. Therefore, the fundraiser will generate a credit rating on the credit rating generation server 2. The fundraiser's registration information is used to log in to the credit rating generation server 2 and operate the credit rating generation webpage 21. If the fundraiser is an individual, their registration information includes basic personal information. If the fundraiser is a company, their registration information includes basic company information such as company name and unified social credit code, as well as operational information such as company financial statements, bankbooks, and orders. After obtaining the fundraiser's registration information, the administrator of the credit rating generation server 2 will also search for the fundraiser's import and export data from the network platform or public documents, and the administrator of the credit rating generation server 2 will integrate the additional information found into the fundraiser's registration information.

[0030] For example Figure 3 As shown, after the fundraiser logs into the credit rating generation server 2 using their registration information and can operate the credit rating generation webpage 21, the credit rating generation server 2 will first require the fundraiser to provide identity verification information, such as personal basic information, company basic information, etc. Then, the credit rating generation webpage 21 will display an option for the fundraiser to agree to the access to credit information. If the fundraiser agrees, the fundraiser will generate an authorization data AD for the credit rating generation server 2. The authorization data AD can be the network IP address used by the fundraiser. The credit rating generation server 2 stores the authorization data AD, which can then be used as the basis for subsequent authorization records by the credit rating generation server 2.

[0031] S2: The credit rating generation server 2 redirects the user device 1's browser 11 to a credit reporting center 3's credit reporting service website 31, where the credit reporting center 3 verifies the identity of the fundraiser; such as Figure 4 As shown, the fundraiser needs to authorize the credit rating generation server 2 to retrieve credit information on the credit rating generation webpage 21. The credit rating generation server 2 then redirects the browser 11 of the user device 1 to a credit service website 31 of a credit reporting center 3. The fundraiser uses the user device 1 to provide the certificate information CI of its natural person certificate or securities transaction certificate to the credit reporting center 3, which then verifies the identity of the fundraiser's certificate information CI.

[0032] S3: The credit reporting center 3 generates a credit scoring encrypted data SED from the credit scoring file and ID number of the fundraiser using a credit reporting encryption unit 32; after the credit reporting center 3 verifies the identity of the fundraiser's credential information CI and confirms that it is correct, the credit reporting center 3 retrieves the fundraiser's credit scoring file, and the credit reporting center 3 encrypts the fundraiser's credit scoring file and ID number through a credit reporting encryption unit 32 to generate a credit scoring encrypted data SED.

[0033] S4: The fundraiser selects browser 11 on the credit reporting service website 31 to be redirected to the credit rating generation webpage 21 and uploads the encrypted score data SED. The encrypted score data SED is then transmitted to the credit rating generation server 2 on the credit rating generation webpage 21. Once the credit reporting center 3 has the encrypted score data SED, the credit reporting service website 31 will display information indicating that the score data is complete and offer the fundraiser the following options: redirect to the credit rating generation webpage 21 and upload the encrypted score data SED, or download the file. If the fundraiser chooses to redirect to the credit rating generation webpage 21 and upload the encrypted score data SED, the credit reporting service website 31 will redirect the user's device 1's browser 11 to the credit rating generation webpage 21. The credit rating generation webpage 21 will then allow the fundraiser to choose whether to agree to upload the encrypted score data SED. If the fundraiser agrees to upload, the encrypted score data SED is transmitted to the credit rating generation server 2. Figure 4 As shown.

[0034] When the credit reporting service website 31 has completed scoring information available for fundraisers to choose from, fundraisers can also choose to download the file, and can directly download the credit scoring file from the credit reporting service website 31 of the credit reporting center 3.

[0035] S5: The credit rating generation server 2 transmits the encrypted score data SED to a firewall device 4, and the firewall device 4 transmits the encrypted score data SED to an encryption / decryption device 5; as Figure 5 As shown, after receiving the encrypted score data SED, the credit rating generation server 2 transmits the encrypted score data SED to a firewall device 4, which then transmits the encrypted score data SED to an encryption / decryption device 5.

[0036] S6: The encryption / decryption device 5 generates a decryption command DI to the firewall device 4, and the firewall device 4 decrypts the score encryption data SED and generates score decryption data SDD to the encryption / decryption device 5; Figure 6 As shown, after receiving the encrypted credit score data SED, the encryption / decryption device 5 generates a decryption instruction DI for the firewall device 4. Upon receiving the decryption instruction DI, the firewall device 4 decrypts the encrypted credit score data SED and generates a decrypted credit score data SDD. The decrypted credit score data SDD includes the credit score profile and the fundraiser's ID number. The firewall device 4 then transmits the decrypted credit score data SDD to the encryption / decryption device 5.

[0037] S7: The encryption / decryption device 5 reads the score decryption data SDD and generates a credit rating data CSD and a masked identity data MID, which are then sent to the firewall device 4. The firewall device 4 then transmits the credit rating data CSD and the masked identity data MID to the credit rating generation server 2; Figure 7 As shown, after the encryption / decryption device 5 receives the score decryption data SDD, a score file conversion unit 51 of the encryption / decryption device 5 reads the score decryption data SDD and generates a credit rating data CSD. In addition, an identity data masking unit 52 of the encryption / decryption device 5 reads the score decryption data SDD and generates a masked identity data MID. After the credit rating data CSD and the masked identity data MID are generated, the encryption / decryption device 5 transmits the credit rating data CSD and the masked identity data MID to the firewall device 4. The firewall device 4 then transmits the credit rating data CSD and the masked identity data MID to the credit rating generation server 2.

[0038] S8: The credit rating generation server then converts the credit rating data (CSD) into a display and matching rating data (MRD); such as Figure 8 As shown, after the credit rating data (CSD) and the masked identity data (MID) are transmitted to the credit rating generation server 2, the credit rating generation server 2 integrates the fundraiser registration information and the credit rating data (CSD) and converts them into a display matching rating data (MRD). The credit rating generation server 2 then transmits the display matching rating data (MRD) and the masked identity data (MID) to a matching server 6. The matching server 6 can then display its display matching rating data (MRD) on a matching webpage 61. The display method of the display matching rating data (MRD) on the matching webpage 61 can include the fundraiser registration information and... Credit rating data (CSD) is publicly displayed, and the public information of the fundraiser can be either completely hidden, partially disclosed, or fully disclosed. The matching server 6 can also verify the identity of the fundraiser by comparing the masked identity data (MID). At the same time, the matching webpage 61 will also display a funding demand data (FND). The funding demand data (FND) can be generated by the fundraiser by inputting it on the credit rating generation webpage 21, or by the fundraiser directly inputting it to the matching server 6, so that the matching webpage 61 simultaneously displays the fundraiser's matching rating data (MRD) and funding demand data (FND).

[0039] Investors browsing the matching webpage 61 can then receive the matching rating data (MRD) and funding requirement data (FND) of the fundraiser on the matching webpage 61. Through the matching rating data (MRD), they can learn about the fundraiser's credit rating, company operating status, and the amount of funds required.

[0040] Therefore, the method and system for matching funds using credit information of the present invention can not only help fundraisers obtain credit reports and convert them into credit ratings and publish them to obtain funds, but also achieve the effect of operating entirely online and electronically and ensuring data security and non-leakage.

Claims

1. A method for matching funds using credit information, characterized in that: include A fundraiser uses a user device to log into a credit rating generation webpage, one of the credit rating generation servers, and authorizes the credit rating generation server to retrieve credit information. The credit rating generation server redirects the user's device browser to a credit reporting service website of a credit reporting center, where the credit reporting center website verifies the identity of the fundraiser. The credit reporting center uses a credit reporting encryption unit to generate encrypted scoring data based on the credit score file and ID number of the fundraiser. Fundraisers select a browser on the credit reporting service website to be redirected to the credit rating generation webpage and upload encrypted scoring data. The encrypted scoring data is then transmitted to the credit rating generation server on the credit rating generation webpage. The credit rating generation server transmits the encrypted rating data to a firewall device, and the firewall device transmits the encrypted rating data to an encryption / decryption device. The encryption / decryption device generates a decryption command to the firewall device, and the firewall device decrypts the encrypted score data and generates decrypted score data to the encryption / decryption device. The encryption / decryption device reads the decrypted scoring data and generates credit rating data and masked identity data, which are then sent to the firewall device. The firewall device then transmits the credit rating data and masked identity data to the credit rating generation server. The credit rating generation server then converts the credit rating data into a display matching rating data.

2. The method for matching funds by using credit investigation information according to claim 1, characterized in that: The fundraiser registers with the credit rating generation server and generates fundraiser registration information. The fundraiser logs into the credit rating generation server with the fundraiser registration information and provides the fundraiser with a certificate of natural person status or securities transaction certificate to the credit reference center. The credit reference center verifies the fundraiser's certificate information. The credit rating generation server integrates the fundraiser registration information and credit rating data to convert it into display and matching rating data, and displays the display and matching rating data and a funding demand information on a matching webpage.

3. The method for matching funds by using credit information according to claim 1, wherein: When a fundraiser authorizes a credit rating generation server to retrieve credit information, the fundraiser generates authorization information, and the credit rating generation server stores this authorization information.

4. The method for matching funds by using credit information according to claim 1, wherein: The decrypted scoring information includes the credit score file and the fundraiser's ID number, which the fundraiser can download from the credit reference center's website.

5. The method for matching funds by using credit information according to claim 1, wherein: The firewall device has a decryption unit that receives the decryption instruction and decrypts the encrypted scoring data to generate the decrypted scoring data. The encryption and decryption device also has a scoring file conversion unit and an identity data masking unit. The scoring file conversion unit reads the decrypted scoring data and generates the credit rating data, and the identity data masking unit reads the decrypted scoring data and generates the masked identity data.

6. A system for matching funds using credit information, characterized by: Including A user device, held by a fundraiser; A credit rating generation server has a credit rating generation webpage for user devices to browse. The user device's browser is redirected to a credit reporting service website of a credit reporting center, where the credit reporting center verifies the fundraiser. The credit reporting center generates encrypted scoring data based on the fundraiser's credit score file and ID number using a credit reporting encryption unit. The fundraiser selects to be redirected to the credit rating generation webpage on the credit reporting service website and uploads the encrypted scoring data. The encrypted scoring data is then transmitted to the credit rating generation server on the credit rating generation webpage. A firewall device is signal-connected to the credit rating generation server, and the credit rating generation server transmits the encrypted rating data to the firewall device; and An encryption / decryption device is signal-connected to the firewall device. The encryption / decryption device receives the encrypted scoring data and generates a decryption command to the firewall device. The firewall device decrypts the encrypted scoring data and generates decrypted scoring data to the encryption / decryption device. The encryption / decryption device reads the decrypted scoring data and generates credit rating data and masked identity data to the firewall device. The firewall device then transmits the credit rating data and masked identity data to a credit rating generation server. The credit rating generation server then converts the credit rating data into a matching rating data.

7. The credit investigation information based funds matching system according to claim 6, wherein: The fundraiser registers with the credit rating generation server and generates fundraiser registration information. The fundraiser logs into the credit rating generation server with the fundraiser registration information and provides the fundraiser with a certificate of natural person status or securities transaction certificate to the credit reference center. The credit reference center verifies the fundraiser's certificate information. The credit rating generation server integrates the fundraiser registration information and credit rating data to convert it into display and matching rating data, and displays the display and matching rating data and a funding demand information on a matching webpage.

8. The credit information matching system according to claim 6, characterized in that: When a fundraiser authorizes a credit rating generation server to retrieve credit information, the fundraiser generates authorization information, and the credit rating generation server stores this authorization information.

9. The credit information matching system according to claim 6, characterized in that: The credit scoring decryption information includes a credit score profile and the fundraiser's ID number, which the fundraiser can download from the credit reference center's website.

10. The credit information matching system according to claim 9, characterized in that: The firewall device has a decryption unit that receives the decryption instruction and decrypts the encrypted scoring data to generate the decrypted scoring data. The encryption and decryption device also has a scoring file conversion unit and an identity data masking unit. The scoring file conversion unit reads the decrypted scoring data and generates the credit rating data, and the identity data masking unit reads the decrypted scoring data and generates the masked identity data.

Images