CN109325846A - The data computing system and method for network credit scoring - Google Patents
The data computing system and method for network credit scoring Download PDFInfo
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- CN109325846A CN109325846A CN201811054994.XA CN201811054994A CN109325846A CN 109325846 A CN109325846 A CN 109325846A CN 201811054994 A CN201811054994 A CN 201811054994A CN 109325846 A CN109325846 A CN 109325846A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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Abstract
This application discloses the data computing systems and method of a kind of network credit scoring, it is characterised in that the available balance that operation end determines adjustment user is appraised through comparison and be posed to the credit for providing user.The data computing system of the network credit scoring of the application includes that operation end and credit appraise through comparison end.Operation end transmission input data or credit data generate credit data according to credit data；Data processing module is connected to data transmission module, data memory module and computing module, data transmission module transmits input data and credit data, input data is carried out standardized format and outputting standard data by data processing module, normal data is sent to data memory module and computing module by data processing module, data store the course data of mould storage user, course data are that normal data of the user in each time combines, computing module determines Xin Ping group according to current normal data and course data, computing module selects credit data according to Xin Ping group and credit data is sent to operation end.
Description
Technical field
This application involves the computing system of credit line and methods, and in particular to a kind of data calculating of network credit scoring
System and method for.
Background technique
With the rise of internet, the fast development of online trading is also driven.It especially also needs to guarantee in process of exchange
The credit of user is appraised through comparison.If the credit of user appraises through comparison height, the operation end for being responsible for transaction can give the credit of great number to user
Amount, to carry out the consumption of great number using family.Conversely, operation end will will limit the credit line of user.If restricted user
When workable credit balance is zero, then end of operating can force to stop the transaction program of this user.
Though current bank or other financial units are provided with user and can pay the service of amount in advance.But financial unit can not be from
The amount upper limit that this user can bear is estimated in the previous credit appraisal of user.That therefore pays amount in advance makes loans this for battalion
To award the how many facility extent of user for fortune end in real time is to have the difficulty on realizing.
Summary of the invention
Technical problems to be solved in this application are to provide a kind of data computing system of network credit scoring, feature
It is that the available balance that operation end determines adjustment user is appraised through comparison and be posed to the credit for providing user.
It to solve the above-mentioned problems, include operation end this application discloses a kind of data computing system of network credit scoring
End is appraised through comparison with credit.The input data of end offer user of operating or reception credit data, operation end generate use according to credit data
The corresponding credit data in family；Credit appraises through comparison end network connection in operation end, and there is data transmission module, data to deposit at credit comparation and assessment end
Storage module, data processing module and computing module, data processing module are connected to data transmission module, data memory module and meter
Module is calculated, data transmission module is used for transmission input data and credit data, and input data is carried out format by data processing module
It standardizes and normal data is sent to data memory module and computing module, data by outputting standard data, data processing module
Storage mould is used to store the course data of user, and course data are that these normal datas of user in each time combine, and calculates mould
Root tuber determines the Xin Ping group of user according to current normal data and course data, and computing module selects credit according to Xin Ping group
Credit data is simultaneously sent to operation end by data.
To solve the above-mentioned problems, the application more discloses a kind of method for computing data of network credit scoring, the application number
According to calculation method the following steps are included: receiving the input data of user by operation end；Input data is sent to credit comparation and assessment end,
And outputting standard data to be used for input data standardization；Credit appraises through comparison the course number that end generates user according to normal data
According to；The Xin Ping group of user is determined according to current normal data and course data；Xin Ping group selection according to user is corresponding
Credit data, and be sent to operation end；End operate according to the credit data generation corresponding credit data of user.
Compared with prior art, the application can be obtained including following technical effect:
1) the application compared with prior art supplement processing with money, the application can for user different cycles and supplement process with money
Corresponding credit data are generated, so that the available more elastic avail of user.
2) the credit comparation and assessment end of the application separately provides the relevent information of the transaction course of user, and is all types of for remittance abroad
Chart watches the relative recording of transaction with benefit operation end or user.
Certainly, any product for implementing the application must be not necessarily required to reach simultaneously above all technical effects.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present application, constitutes part of this application, this Shen
Illustrative embodiments and their description please are not constituted an undue limitation on the present application for explaining the application.
Fig. 1 is system architecture diagram of the invention.
Fig. 2A is the transmission schematic diagram of period 1 of the invention.
Fig. 2 B is the transmission schematic diagram of second round of the invention.
Fig. 3 is operation workflow schematic diagram of the invention.
Fig. 4 is the grouping schematic diagram of Xin Ping group of the invention.
Specific embodiment
It please cooperate accompanying drawings and embodiments that presently filed embodiment is described in detail below, how the application is applied whereby
Technological means solves technical problem and reaches the realization process of technical effect to fully understand and implement.
The data computing system of the network credit scoring of the application include operation end 110, network file switching equipment 120 with
Credit appraises through comparison end 130, and please refers to the 1st figure.Network file switching equipment 120 is connected to the network operation end 110 respectively and comments with credit
Than end 130.Operation end 110, which can be but be not limited to financial unit, is also possible to trader.
Operation end 110 includes first processing module 111, the first input module 112, the first output module 113 and the first net
Network module 114.First processing module 111 is electrically connected at the first input module 112, the first output module 113 and first network
Module 114.First input module 112 is used to receive the input data 141 of user.First input module 112 can by keyboard, take the photograph
As module or other man-machine interfaces (human machine interaction) are realized.First output module 113 is for playing letter
With data 142.First network module 114 is connected to network file switching equipment 120, and first network module 114 is used for transmission defeated
Enter data 141 and credit data 142.
The input data 141 is proposed the application requirement supplementing requirement with money with supplementing with money by user, such as: user name is filled
It is worth time, recharge amount, desensitization index or User Status etc..For convenience of the available gold explained before therefore supplementing with money in this application
The amount of money after volume is defined as first amount of money, supplements with money be the amount of money that second amount of money, this recharge amount, user can pay in advance is credit
Data.When operation end 110 receives after supplementing requirement with money of user, operator will issue input data 141.
Network file switching equipment 120 is connected at least one operation end 110 by Ethernet.Network file switching equipment
120 can be by ftp server (File Transfer Protocol, abbreviation FTP) or cloud server (cloud
) etc. server mechanism are realized.Network file switching equipment 120, which can be, to be independently arranged outside, and credit comparation and assessment can also be built into
In end 130.In this application to clearly describe overall architecture, therefore by the independent explanation of network file switching equipment 120.
After network file switching equipment 120 obtains input data 141, network file switching equipment 120 can keep in input number
According to 141.Network file switching equipment 120 every after the period 1, network file switching equipment 120 will send it is all
The input data 141 obtained in period 1, as shown in 2A figure.In other words, network file switching equipment 120 was at first week
The input data 141 received before phase cut-off can all be kept in.When the time reaching the period 1, network file switching equipment
Collected input data 141 is sent to credit comparation and assessment end 130 by 120.Such as: operation end 110A and operation end 110B respectively at
Different input data 141a, b, c, d, e are sent in period 1.Network file switching equipment 120 is sending input data
After 141, network file switching equipment 120 will empty the cache the input data 141 in space, to defeated between secondary time period 1
Enter data 141.
In addition, network file switching equipment 120 can also receive the more credit data from credit comparation and assessment end 130.Often
When by second round, network file switching equipment 120 will be by collected credit data forwarding to operation end 110, such as
Shown in 2B figure.After network file switching equipment 120 sends credit data, network file switching equipment 120 can also empty the cache
Space, to the secondary time received credit data of second round institute.
Credit comparation and assessment end 130 can be computer, server or cloud server and realize.It includes number that credit, which appraises through comparison end 130,
According to transmission module 131, data processing module 132, data memory module 133 and computing module 134.131 net of data transmission module
Road is connected to network file switching equipment 120.
Data processing module 132 is electrically connected at data transmission module 131, data memory module 133 and computing module
134.Input data 141 is carried out standardized format and outputting standard data by data processing module 132.The specification of normal data can
To be realized by extensible making type language (Extensible Markup Language, XML).Credit appraises through comparison end 130 can be with
Multiple and different operation ends 110 is connected, data format used by each operation end 110 is different.Therefore data processing
Module 132 is by 141 standardization of input data, so that respectively same format can be presented in the input data 141 at operation end 110
Normal data.
Data storage mould is used to store the course data of each user, and the course data are each user in different time
Normal data.At least recorded in the course data: the operation end 110 in source, user's information, time stab with supplement with money it is front/rear
The amount of money etc..Computing module 134 determines the Xin Ping group of user according to current normal data and course data, and the application
Computing module 134 calculates credit data 142 with formula 1:
Wherein, i is to supplement number with money, and BA is first amount of money, and AA is second amount of money, and min () is to be minimized function.Calculate mould
The calculating supplementing variation carry out credit data 142 of the block 134 for user in a cycle period.Cycle period can be with
It, week, the moon or season.If cycle period as unit of the moon, is operated, end 110 will readjust later user's each month
Credit data.
In addition, in addition computing module 134 can carry out the output of report for the course data of user.It sends out at operation end 110
After requiring out the access of user, credit appraise through comparison end 130 can according to consult the variation of desired time section, recharge amount with
The course of credit data generates corresponding output report.Credit appraises through comparison end 130 and output report is sent to operation end 110, for
User's inquiry.
For the overall operation process for further illustrating the application, please also cooperate shown in the 3rd figure.The network credit of the application is commented
Point method for computing data the following steps are included:
S310: the input data of user is received by operation end；
S320: input data is sent to network file switching equipment；
S330: network file switching equipment is commented all obtained input datas are sent to credit after the period 1
Outputting standard data are used for than end, and to input data standardization；
S340: credit appraises through comparison the course data that end generates user according to normal data；
S350: credit appraises through comparison the Xin Ping group that end determines user according to current normal data and course data；
S360: credit appraises through comparison end and selects corresponding credit data according to the Xin Ping group of user, and is sent to operation end；With
And
S370: operation end generates the corresponding credit data of user according to credit data.
Firstly, the correlation of this transaction will be recorded in application requirement when user requires to the sending application of operation end 110
Input data 141, such as: the data such as this recharge amount, spending amount, User Status change, trading activity.If input
When data 141 are wrong, then other than it may require that operation end 110 and retransmit, credit appraises through comparison end 130 at credit comparation and assessment end 130
Determine whether that stored data have damage.When the storing data at credit comparation and assessment end 130 is damaged, then credit appraises through comparison end
130 can with rollback data, ignore the data or terminate this requirement.
Input data 141 is sent to network file switching equipment 120 by network by operation end 110.It is handed in network file
In the period 1 of exchange device 120, network file switching equipment 120 can keep in all received input datas 141.Work as network
For exchange files equipment 120 after the period 1, network file switching equipment 120 will be the input data 141 of all collections
It is sent to credit comparation and assessment end 130.
After credit appraises through comparison the reception of end 130 input data 141, credit comparation and assessment end 130 is standardized place to input data 141
It manages and generates corresponding normal data.User is at least recorded in normal data, operation end 110, is supplemented the preceding amount of money with money, is supplemented the rear amount of money with money
With spending amount etc..Credit appraises through comparison end 130 and is determined the normal data already present course number is added according to the use course of user
According to or newly-increased course data relevant treatment.Course data are stored in data memory module 133 by credit comparation and assessment end 130.Letter
The Xin Ping group score of user is calculated according to current normal data and course data with comparation and assessment end 130.Credit appraises through comparison 130, end
Xin Ping group and the credit data of user are determined according to score calculated, as shown in Fig. 4.
Then, credit appraises through comparison end 130 and credit data 142 is sent to network file switching equipment 120.Network file exchange
All data being collected into every can be sent to operation end 110 after second round by equipment 120.End 110 operate according to credit
The credit data of the generation user of data 142.In addition, operation end 110 can also appraise through comparison end 130 to credit issues user in specific week
The query requirement of the transaction course of period.Such as: the summary table of monthly entering an item of expenditure in the accounts of user is asked at operation end 110 to credit comparation and assessment end 130
Or user supplements balance chart etc. with money.
For that can understand the group for illustrating how previously described normal data and course data determine that the credit of user is appraised through comparison,
It is example as explanation using following table.The example and numerical value lifted are not intended to be limited to this.There are 10 ID in table 1, respectively
Represent 10 users.Each user has two attributes of A, B.The attribute can correspond to normal data above and go through
Number of passes evidence.It is that user is divided into six Ge Xinping groups in this example.
| ID | Attribute A | Attribute B |
| 1 | 1.0 | 20.0 |
| 2 | 1.0 | 20.0 |
| 3 | 1.2 | 30.0 |
| 4 | 1.5 | 30.0 |
| 5 | 1.6 | 50.0 |
| 6 | 1.7 | 50.0 |
| 7 | 1.8 | 100.0 |
| 8 | 2.0 | 50.0 |
| 9 | 2.0 | 100.0 |
| 10 | 3.0 | 50.0 |
1. user of table and affiliated attribute
Group away from calculation be that maxima and minima is selected from the group of selected taking-up, and except upper set group
Number.Group please refers to following formula away from formula:
Group_distance is group away from GMaxFor maximum value in group, GMinFor minimum value in group, GN is group number.Letter
Divide six groups of the following table 2 to attribute A group according to formula 2 with comparation and assessment end 130.
| A1 groups | Group away from | Meet each ID of group |
| 1 | 1-1.4 | 1、2、3 |
| 2 | 1.4-1.8 | 4、5、6 |
| 3 | 1.8-2.2 | 7、8、9 |
| 4 | 2.2-2.6 | Nothing |
| 5 | 2.6-3 | Nothing |
| 6 | 3 | 10 |
2 attribute A's of table divides group's schematic table
Respectively indicated from left to right in table 2: the group of A1 group, A1 group through excessive group away from fall within group away from original
ID.For table 2 group away from calculating are as follows: group is away from=(3-1) (6-1).Therefore group is away from be 0.4, and the numerical value of the ID of minimum value for "
1".So the 1st group of A1 groups rise, initial point be respectively " 1 ", " 1.4 ".Credit comparation and assessment end 130 compares each ID of former table 1 and will fall within
Group away from ID be included in A1 crowds of first point of groups.It similarly, is also in this way, and to B Attribute transposition for groupings other in A1 groups
Processing for B1 groups is also same, and the following table 3 divides group's schematic table for attribute B's.
| B1 groups | Group away from | Meet each ID of group |
| 1 | 20-33.33 | 1、2、3、4 |
| 2 | 33.33-46.66 | Nothing |
| 3 | 46.66-59.99 | 5、6、8、10 |
| 4 | 59.99-73.32 | Nothing |
| 5 | 73.32-86.65 | Nothing |
| 6 | 86.65 | 7、9 |
3 attribute B's of table divides group's schematic table
The A1 corresponding to each ID after grouping and B1 are grouped as follows shown in table 4:
| ID | A1 | B1 | Amalgamation result G |
| 1 | 1 | 1 | 2 |
| 2 | 1 | 1 | 2 |
| 3 | 1 | 1 | 2 |
| 4 | 2 | 1 | 3 |
| 5 | 2 | 3 | 5 |
| 6 | 2 | 3 | 5 |
| 7 | 3 | 6 | 9 |
| 8 | 3 | 3 | 6 |
| 9 | 3 | 6 | 9 |
| 10 | 6 | 3 | 9 |
The schematic table of table 4. packet data and amalgamation result
Credit comparation and assessment end 13 merges A1 with B1, and exporting is new amalgamation result, as shown in 4 right-hand column of table.It is obtaining
After two crowds of amalgamation result G, the processing of group is once divided again amalgamation result at credit comparation and assessment end 130.Similarly, G groups are taken
Its group away from and be divided into six groups, group result please refers to shown in table 5.
| G groups | Group away from | Meet each ID of group |
| 1 | 2-3.4 | 1、2、3、4 |
| 2 | 3.4-4.8 | Nothing |
| 3 | 4.8-6.2 | 5、6、8 |
| 4 | 6.2-7.6 | Nothing |
| 5 | 7.6-9 | Nothing |
| 6 | 9 | 7、9、10 |
Biao5.Xin Ping group schematic table
After generating Xin Ping group, credit comparation and assessment end 130 can be performed corresponding processing according to Xin Ping group.If operating end
110 provide more user properties, then each attribute can be grouped and be merged according to foregoing manner by credit comparation and assessment end 130,
And finally obtain the result attribute for meeting user.
The data computing system and method for the network credit scoring of the application can provide operation end 110 in real time to user
Front/rear it can calculate corresponding credit data with the respective handling for the amount that can be overdrawed, especially user and feed back to battalion supplementing with money
Transport end 110.
The method flow of the System Operation of the application describes to correspond to, and shortcoming refers to the narration of above method process,
No longer repeat one by one.Above description shows and describes several preferred embodiments of the present application, but as before, it should be understood that the application
Be not limited to forms disclosed herein, should not be regarded as an exclusion of other examples, and can be used for various other combinations,
Modification and environment, and can be carried out in this paper invented the scope of the idea by the above teachings or related fields of technology or knowledge
Change.And changes and modifications made by those skilled in the art do not depart from spirit and scope, then it all should be in the application institute
In attached scope of protection of the claims.
Claims (10)
1. a kind of data computing system of network credit scoring, the credit for providing user, which is appraised through comparison and is posed to operation end, determines that adjustment is used
The available balance at family, which is characterized in that the data computing system of the network credit scoring includes:
One operation end provides the input data of user or receives a credit data, and the operation end is according to the credit data
Generate the corresponding credit data of user；And
One credit appraises through comparison end, and network connection has a data transmission module, a data in the operation end, credit comparation and assessment end
Memory module, a data processing module and a computing module, the data processing module are connected to the data transmission module, institute
Data memory module and the computing module are stated, the data transmission module is used for transmission the input data and the credit number
According to the input data is carried out standardized format and exports a normal data, the data processing by the data processing module
The normal data is sent to the data memory module and the computing module by module, and the data storage mould is for storing
The course data of user, the course data are the combination of user's these normal datas described in each time, the calculating mould
Root tuber determines the Xin Ping group of user according to the current normal data and the course data, and the computing module is according to institute
Shu Xinping group selects the credit data and the credit data is sent to the operation end.
2. the data computing system of the network credit scoring such as claim 1, which is characterized in that further include network file exchange
Equipment, network file switching equipment network is connected to the operation end and the credit appraises through comparison end, and the network file is handed over
Exchange device is for keeping in the input data and the credit data.
3. the data computing system of the network credit scoring such as claim 1, which is characterized in that the data processing module is examined
The normal data and the course data, the normal data of the data processing module rollback mistake or the course number
According to, ignore mistake the normal data or the course data, terminate mistake the normal data or the course data.
4. the data computing system of the network credit scoring such as claim 1, which is characterized in that the Xin Ping group divides at group
Reason isGroup_distance is group away from GMaxFor maximum value in group, GMinFor
Minimum value in group, GN are group number.
5. the data computing system of the network credit scoring such as claim 4, which is characterized in that the input data includes user
One first amount of money before supplementing with money with supplement with money after one second amount of money, the credit data is
Wherein i is to supplement number with money, and BA is first amount of money, and AA is second amount of money.
6. the data computing system of the network credit scoring such as claim 1, which is characterized in that the operation termination obtains user's
One supplements requirement with money, and the operation end sends the input data to credit comparation and assessment end, and obtains the credit data.
7. a kind of method for computing data of network credit scoring, the credit for providing user is appraised through comparison and submits to operation end for determining
The use amount of user, which is characterized in that the method for computing data of the network credit scoring the following steps are included:
The input data of user is received by an operation end；
The input data is sent to credit comparation and assessment end, and to the input data standardization for exporting a standard
Data；
The credit comparation and assessment end generates the course data of user according to the normal data；
The Xin Ping group of user is determined according to the current normal data and the course data；
The Xin Ping group according to user selects a corresponding credit data, and is sent to the operation end；And
The operation end generates the corresponding credit data of user according to the credit data.
8. the method for computing data of the network credit scoring such as claim 7, which is characterized in that the input data is sent to institute
Credit comparation and assessment end is stated to further include:
The input data is cached in a network file switching equipment by the operation end；And
The input data is sent to the credit and appraises through comparison end by the network file switching equipment after the period 1.
9. the method for computing data of the network credit scoring such as claim 8, which is characterized in that send the credit data and more wrap
It includes:
The credit data are sent to the network file switching equipment by credit comparation and assessment end；And
The network file switching equipment passes through second round, and the credit data are sent to the operation end.
10. the method for computing data of the network credit scoring such as claim 7, which is characterized in that after generating the course data
It further includes:
If the normal data and the course data are abnormal, the credit appraises through comparison end for the standard of rollback mistake
Data or the course data.
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| CN108198067A (en) * | 2017-12-04 | 2018-06-22 | 屠雪祥 | Loan limit automatic evaluation system and loan limit method for automatically evaluating |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103123712A (en) * | 2011-11-17 | 2013-05-29 | 阿里巴巴集团控股有限公司 | Method and system for monitoring network behavior data |
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| CN107862602A (en) * | 2017-11-23 | 2018-03-30 | 安趣盈（上海）投资咨询有限公司 | It is a kind of based on various dimensions index calculate, self study and divide group model apply credit decision-making technique and system |
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