CN110620784A

CN110620784A - Credit-based interactive processing method and device

Info

Publication number: CN110620784A
Application number: CN201910936769.7A
Authority: CN
Inventors: 林晨; 覃伟; 沈晓东
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-09-29
Filing date: 2019-09-29
Publication date: 2019-12-27
Also published as: WO2021057139A1; TW202113716A

Abstract

The embodiment of the specification provides a credit-based interactive processing method and a device, wherein the credit-based interactive processing method comprises the following steps: acquiring an interaction request submitted by an interaction user aiming at a selected target user; acquiring credit information of the interactive user and the target user and a historical interactive record generated by interaction participation; constructing a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction records; calculating a credibility score of the interaction user for interacting with the target user based on the credit interaction relationship chain; and under the condition that the credibility score is larger than a credibility relation threshold value, carrying out interactive processing on the interactive request.

Description

Credit-based interactive processing method and device

Technical Field

The embodiment of the specification relates to the technical field of data processing, in particular to a credit-based interactive processing method. One or more embodiments of the present specification also relate to a credit-based interaction processing apparatus, a computing device, and a computer-readable storage medium.

Background

With the continuous development of internet technology, the application of social networking tools is becoming more and more widespread, in common social networking tools, the division of social relationships is often performed in ways of knowing or not knowing, being familiar or unfamiliar, being friends or not (strangers), and the like, meanwhile, the initiation of social behaviors also often uses whether the two parties are in mutual friend relationship as a criterion for determining whether to initiate social behaviors, the interaction mode among users is generally instant messaging messages, such as text messages, voice messages, video messages, internet phones, and the like, and the effectiveness of the interaction mode and the authenticity and safety of social activities cannot be guaranteed.

Disclosure of Invention

In view of the above, embodiments of the present specification provide a credit-based interaction processing method, a credit-based interaction processing apparatus, a computing device, and a computer-readable storage medium.

One embodiment of the present specification provides a credit-based interaction processing method, including:

acquiring an interaction request submitted by an interaction user aiming at a selected target user;

acquiring credit information of the interactive user and the target user and a historical interactive record generated by interaction participation;

constructing a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction records;

calculating a credibility score of the interaction user for interacting with the target user based on the credit interaction relationship chain;

and under the condition that the credibility score is larger than a credibility relation threshold value, carrying out interactive processing on the interactive request.

Optionally, the constructing a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction records includes:

constructing a first credit interaction relationship network of the interactive user, which is composed of each node corresponding to the credit information of the interactive user and each node corresponding to the historical interaction record of the interactive user, based on the communication relationship between the credit information of the interactive user and the historical interaction record of the interactive user; constructing a second credit interaction relationship network of the target user, which is composed of all nodes corresponding to the credit information of the target user and all nodes corresponding to the historical interaction records of the target user, based on the interaction relationship between the credit information of the target user and the historical interaction records of the target user;

and establishing a communication relation between a node corresponding to the interaction relation in the first credit interaction relation network and a node corresponding to the interaction relation in the second credit interaction relation network according to the interaction relation between the history interaction records of the interaction user and the history interaction records of the target user, and taking a target credit interaction relation network formed by the first credit interaction relation network and the second credit interaction relation network after the communication relation is established as the credit interaction relation chain.

Optionally, the calculating, based on the credit interaction relationship chain, a credibility score of the interaction user for interacting with the target user includes:

determining a credit interaction node pair with an interaction relationship in the credit interaction relationship chain and a credit node corresponding to the credit score of the target user;

and calculating the credibility score of the interaction user for interacting with the target user according to the credit score of the target user corresponding to the credit node, the credit weight corresponding to the credit node and the interaction weight of each credit interaction node on the interaction target under each interaction dimension, which corresponds to each interaction dimension.

Optionally, the credit-based interaction processing method includes:

under the condition that the credibility score is smaller than or equal to an unreliable relation threshold, judging whether the interaction trust rate of the target user is smaller than a preset interaction trust threshold;

if so, sending a risk prompt that the target user is an untrusted user to the terminal equipment of the interactive user submitting the interactive request;

the risk prompt carries the credibility score of the target user and the interaction credibility rate of the target user; the interaction trust ratio refers to a ratio of the number of interactions in which the target user participates and successfully completes the interaction to the total number of interactions in which the target user participates.

Optionally, after the step of obtaining the credit information of the interactive user and the target user and the step of participating in the historical interaction record generated by the interaction are executed, and before the step of performing the interaction processing on the interaction request is executed when the credibility score is greater than the credibility threshold, the method includes:

determining an interaction type to which the interaction request belongs;

inquiring the interaction record of the interaction type in the interaction record of the target user in the interaction state as a risk interaction record;

generating a risk interaction prompt of risk interaction of the target user, which is sent to the terminal equipment of the interaction user submitting the interaction request, based on the searched risk interaction record;

wherein the risk interaction reminder comprises the interaction type and the number of the risk interaction records.

searching a risk interaction record of the target user as an interaction target participating in interaction in a preset time interval in the historical interaction record of the target user;

and generating a risk interaction prompt of risk interaction of the target user, which is sent to the terminal equipment of the interaction user submitting the interaction request, based on the searched risk interaction record.

Optionally, when the reliability score is greater than the threshold of the trusted relationship, after the step of performing interactive processing on the interactive request is executed, the method includes:

and adding the target user into a trusted user list of the interactive user, and displaying the trusted user list to the target user by sending a display page carrying the trusted user list to the target user.

Optionally, after the step of sending the risk prompt that the target user is an untrusted user to the terminal device of the interactive user submitting the interaction request is executed, the method includes:

and adding the target user into an untrustworthy user list of the interactive user, and displaying the untrustworthy user list to the target user in a mode of sending a display page carrying the untrustworthy user list to the target user.

Optionally, the credit-based interaction processing method includes:

after a touch instruction aiming at any user identifier displayed on the display page is received, determining a viewed user corresponding to the user identifier triggered by the touch instruction;

and reading the user information, the credit information, the credibility score and the interaction information of the checked user, and displaying based on the display page.

Optionally, after receiving a touch instruction for any one user identifier displayed on the display page, after determining that a viewed user step corresponding to the user identifier triggered by the touch instruction is executed, the method includes:

displaying the credential types of the credit credentials of the viewed user and the access interfaces of the credit credentials of each credential type based on the display page;

after receiving an access application aiming at any one access interface, sending the access application to the checked user;

and if the checked user authorizes the access application, reading and displaying a credit voucher of the voucher type corresponding to the access interface.

One embodiment of the present specification provides a credit-based interaction processing apparatus, including:

the interaction request acquisition module is configured to acquire an interaction request submitted by an interaction user aiming at a selected target user;

the historical interaction record acquisition module is configured to acquire credit information of the interaction user and the target user and a historical interaction record generated by interaction participation;

a credit interaction relationship chain construction module configured to construct a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction records;

a credibility score calculation module configured to calculate a credibility score of the interaction user for interacting with the target user based on the credit interaction relationship chain;

and the interaction processing module is configured to perform interaction processing on the interaction request under the condition that the credibility score is greater than a credibility relation threshold.

One embodiment of the present specification provides a computing device comprising:

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

One embodiment of the present specification provides a computer-readable storage medium storing computer instructions that, when executed by a processor, perform the steps of the credit-based interaction processing method.

One embodiment of the specification realizes that starting from a target user for which an interaction request submitted by an interactive user is directed, on the basis of credit information of the interactive user and the target user and a historical interaction record generated by interaction participation, a credit interaction relation chain for representing the interaction relation and the credit relation between the interactive user and the target user is constructed, and the credibility score of the target user relative to the interactive user is calculated by means of the constructed credit interaction relation chain, so that the credit interaction relation chain is used as an evaluation of the credibility of the interaction between the interactive user and the target user, thereby reducing or even avoiding risks caused by the interaction between the interactive user and the target user with lower credibility, and ensuring the authenticity and safety of interaction activities among users.

Drawings

FIG. 1 is a flowchart of a credit-based interaction processing method provided by an embodiment of the present specification;

FIG. 2 is a diagram of a credit interaction network provided by an embodiment of the present specification;

FIG. 3 is a diagram illustrating a credit interaction relationship chain according to an embodiment of the present disclosure;

FIG. 4 is a diagram of a credit relationship display page provided by an embodiment of the present specification;

fig. 5 is a schematic diagram of a personal trusted information presentation page provided by an embodiment of the present specification;

FIG. 6 is a diagram illustrating an apparatus for processing credit-based interactions according to an embodiment of the present disclosure;

fig. 7 is a block diagram of a computing device according to an embodiment of the present specification.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

First, the noun terms to which one or more embodiments of the present invention relate are explained.

And (3) credit contract: two or more parties can agree on a certain interaction based on credit, and each party who agrees on agreement retains an agreed agreement data; for example, the agreement between the contracting party and the contracting party in the credit contract item on a certain credit contract under the constraint of credit, or the agreement between the users in the credit transaction item (for example, transaction scenario items such as 'first share and then pay', 'credit transfer' and the like) on a certain transaction under the constraint of credit;

wherein, the 'right' defines the right that one party enjoys, and can also be understood as the action that the other party needs to perform, such as the contracting party and the contracting party in the credit contract project performing the credit contract according to the contract, or the users performing the transaction according to the contract;

"liability" defines the liability of the breach that the breaching party needs to undertake, such as recording the breach incident in the breach party's credit, reducing the breach party's credit score, or making fines to the breach party, etc.;

a "benefit" defines a benefit or reward that a performing party can obtain, such as a user engaging in and performing a credit contract by agreement may boost his credit score by this action, or a user successfully performing a transaction by agreement may obtain a reward, etc.

One embodiment of the present specification provides a credit-based interaction processing method, a credit-based interaction processing apparatus, a computing device, and a computer-readable storage medium. The following detailed description and the explanation of the steps of the method are individually made with reference to the drawings of the embodiments provided in the present specification.

An embodiment of an interactive processing method based on credit provided in this specification is as follows:

referring to fig. 1, which shows a processing flow chart of a credit-based interaction processing method provided by an embodiment of the present specification, referring to fig. 2, which shows a schematic diagram of a credit interaction relationship network provided by an embodiment of the present specification, referring to fig. 3, which shows a schematic diagram of a credit interaction relationship network provided by an embodiment of the present specification, referring to fig. 4, which shows a schematic diagram of a credit relationship display page provided by an embodiment of the present specification, referring to fig. 5, which shows a schematic diagram of a personal credible information display page provided by an embodiment of the present specification.

Step S102, acquiring an interaction request submitted by an interaction user aiming at a selected target user.

The interactive user in this embodiment refers to a party initiating an interactive activity, that is, a user who makes an interactive request to interact with another party, and the other party is referred to as a target user. For example, the interactive users who participate in the public welfare activities by signing the credit agreement between the users are the offerors who make the offer requests of the public welfare activities, and the offerings that participate in the public welfare activities are the target users. For another example, the interactive users in credit interaction activities such as credit loan and credit transfer performed by the users in a credit agreement manner are users who make loan requests or transfer requests, and the loan object to which the loan requests are directed or the transfer object to which the transfer requests are directed is the target user.

The present embodiment takes a credit contract interaction activity and a credit transaction activity as an example, and describes an interaction processing procedure in the credit contract interaction activity and the credit transaction activity. It should be noted that the embodiments of the present application are not limited to the credit contract interaction activity and the credit transaction activity, and may also be a credit loan interaction activity using credit as a mortgage, or a credit borrowing interaction activity, and the like, which is not limited thereto.

In specific implementation, the step of obtaining the interaction request submitted by the interaction user for the target user is performed after the interaction user selects the target user, and on the basis, the interaction with the target user is initiated by submitting the interaction request. Specifically, after the interaction request submitted by the interaction user and the target user is acquired, the interaction credibility of the target user is evaluated through the following steps S104 to S110, and finally, whether to process the interaction initiated by the interaction user for the target user is determined on the basis of the evaluation of the interaction credibility.

For example, user a selects user B in his buddy list as the target user for the public interest activity interaction, and initiates the public interest activity interaction by initiating an offer request to establish a public interest activity credit contract for target user B. Or, the user A selects the user C in the friend list as a target user for carrying out credit transfer interaction, and initiates the credit transfer interaction by initiating an invitation request for establishing a credit transfer contract aiming at the target user C.

And step S104, acquiring credit information of the interactive user and the target user and a historical interactive record generated by interaction participation.

After receiving the interaction request of the interaction user interacting with the target user, evaluating the credibility of the interaction user with the target user, namely: and evaluating the interaction credibility of the target user relative to the interaction user. Specifically, in the evaluation process, firstly, the credit information of the interactive user and the historical interaction record generated by the interaction participation of the interactive user are obtained, the credit information of the target user and the historical interaction record generated by the interaction participation of the target user are obtained, and then, on the basis of obtaining the credit information of the interactive user and the credit information of the target user and the historical interaction record, the interactive credibility of the target user relative to the interactive user is evaluated.

For example, the credit information of the user a as the interactive user is acquired as the credit point (800 points) of the user a on a credit platform, and the historical interaction record generated by the past interaction participation of the user a is acquired: the system comprises a transfer interaction record A1 generated by carrying out transfer interaction with a user B in a credit transfer contract signing mode, a public interest interaction record A2 generated by carrying out public interest interaction with the user B in a public interest activity credit contract signing mode, a public interest interaction record A3 generated by carrying out public interest interaction with the user C in a public interest activity credit contract signing mode, and a loan interaction record A4 generated by carrying out loan interaction with the user D in a credit loan contract signing mode.

And acquiring credit information of the user B as a target user as a credit point (750 points) of the user B on a credit platform, and acquiring a historical interaction record generated by the past interaction participation of the user B: the system comprises a transfer interaction record B1 generated by transfer interaction with a user A in a credit transfer contract signing mode, a public service interaction record B2 generated by public service interaction with the user A in a public service activity credit contract signing mode, and a loan interaction record B3 generated by loan interaction with the user E in a credit loan contract signing mode.

And step S106, constructing a credit interaction relation chain based on the credit information of the interactive users and the target users and the historical interaction records.

The credit interaction relationship chain is obtained by connecting the credit interaction relationship networks of two or more users with interaction relationship according to the interaction relationship. In the scenario that the interactive user interacts with the target user by submitting the interaction request provided by this embodiment, the credit interaction relationship chain is obtained after the credit interaction relationship network of the interactive user is communicated with the credit interaction relationship network of the target user according to the interaction relationship between the two parties.

It should be noted that the number of the target users in this embodiment is one, and this is taken as an example for description. In addition, the user data of the target user may be two or more, that is: the interactive user interacts with two or more target users simultaneously by submitting the interactive request, the specific implementation process is similar to that of one target user, and the difference is that when interacting with a plurality of target users, a credit interaction relation chain between each target user and the interactive user needs to be constructed respectively, and the interactive credibility score of each target user relative to the interactive user is calculated respectively on the basis of the credit interaction relation chain.

The credit interaction relationship network is constructed by establishing a communication relationship among the communication of the nodes by taking a user as a core on the basis of the communication between the credit information of the user and the historical interaction records and on the basis of generating the node corresponding to each piece of credit information and generating the node corresponding to each piece of historical interaction records.

In an optional implementation manner provided by this embodiment, the credit interaction relationship chain between the interactive user and the target user is specifically constructed in the following manner:

(1) respectively constructing credit interactive relationship networks of the interactive users and the target users;

constructing a first credit interaction relationship network of the interactive user, which is composed of each node corresponding to the credit information of the interactive user and each node corresponding to the historical interaction record of the interactive user, based on the communication relationship between the credit information of the interactive user and the historical interaction record of the interactive user;

constructing a second credit interaction relationship network of the target user, which is composed of all nodes corresponding to the credit information of the target user and all nodes corresponding to the historical interaction records of the target user, based on the interaction relationship between the credit information of the target user and the historical interaction records of the target user;

(2) and constructing a credit interaction relationship chain of the interactive user and the target user on the basis of the credit interaction relationship network of the interactive user and the target user.

Establishing a communication relation between nodes of the two parties aiming at the nodes corresponding to the interaction relation in the first credit interaction relation network and the nodes corresponding to the interaction relation in the second credit interaction relation network according to the interaction relation between the history interaction records of the interaction user and the history interaction records of the target user, and taking the target credit interaction relation network as the credit interaction relation chain between the interaction user and the target user after obtaining the target credit interaction relation network consisting of the first credit interaction relation network and the second credit interaction relation network after establishing the communication relation.

Along the above example, on the basis of the above-mentioned credit information of the interactive user a and the historical interactive data generated by the past interaction participation of the interactive user a, a first credit interactive relationship network of the interactive user a is constructed and obtained as shown in fig. 2 (a); the node a is a node corresponding to the identity ID of the user A, the node a0 is a node corresponding to the credit score (800 cents) of the user A on a credit platform, the node a1 is a node corresponding to a transfer interaction record A1 generated by transfer interaction between the user A and the user B in a credit transfer contract signing manner, the node a2 is a node corresponding to a public interest interaction record A2 generated by public interest interaction between the user A and the user B in a public interest activity credit contract signing manner, the node A3 is a node corresponding to a public interest interaction record A3 generated by public interest interaction between the user A and the user C in a public interest activity credit contract signing manner, and the node a4 is a loan interaction record A4 generated by loan interaction between the user A and the user D in a credit loan contract signing manner;

and on the basis of the above-mentioned acquisition of the credit information of the interactive user B and the historical interactive data generated by the past participation interaction thereof, constructing and acquiring a second credit interaction relationship network of the target user B as shown in fig. 2(B), wherein the node B is a node corresponding to the identity ID of the user B, the node B0 is a node corresponding to the credit score (750 point) of the user B on a credit platform, the node B1 is a node corresponding to the transfer interaction record B1 generated by the transfer interaction between the user B and the user a in a manner of signing a credit transfer contract, the node B2 is a node corresponding to the commonweal interaction record B2 generated by the commonweal interaction between the user B and the user a in a manner of signing a credit activity contract, and the node B3 is a loan interaction record B3 generated by the loan interaction between the user B and the user E in a manner of signing a credit loan contract;

for the interactive user A and the target user B, the nodes with the interactive relationship in the credit interactive relationship network of the interactive user A and the target user B comprise two pairs, wherein the first pair is a node a1 corresponding to a transfer interactive record A1 with the transfer interactive relationship and a node B1 corresponding to a transfer interactive record B1, and the second pair is a node a2 corresponding to a public service interactive record A2 with the public service interactive relationship and a node B2 corresponding to a public service interactive record B2;

based on this, the link relationship between the node a1 and the node B1, and the link relationship between the node a2 and the node B2 are established, and after the link relationship is established, the credit interaction relationship chain between the interactive user a and the target user B, which is constructed based on the credit interaction relationship network of the interactive user a and the target user B, is obtained, as shown in fig. 3.

And step S108, calculating the credibility score of the interaction user for interacting with the target user based on the credit interaction relation chain.

The credibility score in this embodiment refers to a result score that quantifies the credibility of the user relative to other users by comprehensively evaluating the credit of the user with a plurality of interaction dimensions such as history, interaction types, interaction importance, interaction quality, interaction frequency and the like between the users on the basis of a credit score determined by the credit platform for credit evaluation of each user. It should be noted that each user has a uniqueness score with respect to another user, i.e., the trustworthiness score of another user when interacting with the user is unique.

In an optional implementation manner provided by this embodiment, the following manner is specifically adopted to calculate the interactive credibility score of the interactive user for the target user, that is: the credibility score of the target user relative to the interactive user is as follows:

(1) determining a credit interaction node pair with an interaction relationship in the credit interaction relationship chain and a credit node corresponding to the credit score of the target user;

(2) and calculating the credibility score of the interaction user for interacting with the target user according to the credit score of the target user corresponding to the credit node, the credit weight corresponding to the credit node and the interaction weight of each credit interaction node on the interaction target under each interaction dimension, which corresponds to each interaction dimension.

Still taking the interactive user a and the target user B as an example, as shown in fig. 3, the credit interaction node pair having an interaction relationship in the credit interaction relationship chain of the interactive user a and the target user B includes two pairs, the first pair is a credit interaction node pair a1-B1 formed by a node a1 corresponding to the transfer interaction record a1 having a transfer interaction relationship and a node B1 corresponding to the transfer interaction record B1, and the second pair is a credit interaction node pair a2-B2 formed by a node a2 corresponding to the public interest interaction record a2 having a public interest interaction relationship and a node B2 corresponding to the public interest interaction record B2;

meanwhile, the credit node corresponding to the credit score (750 points) of the target user B is node B0;

further, according to the credit weight omega 1 corresponding to the credit node b0 and the credit node, the interaction dimension of the credit interaction node pair a1-b1 is a transaction dimension, the interaction of the credit interaction node pair a1-b1 in the transaction dimension is marked as the amount of transfer funds (5000 yuan), and the interaction weight in the transaction dimension is omega 2; the interaction dimension of the credit interaction node pairs a2-b2 is a public welfare interaction dimension, the interaction mark of the credit interaction node pairs a2-b2 in the public welfare interaction dimension is public welfare participation duration (3h), and the interaction weight in the public welfare interaction dimension is omega 3;

accordingly, the credibility score of the target user B relative to the interactive user A is calculated as follows: credit score ω 1+ transfer funds amount ω 2+ commonweal participation duration ω 3 750 ω 1+5000 ω 2+3 ω 3.

And step S110, carrying out interactive processing on the interactive request under the condition that the credibility score is greater than a credibility relation threshold value.

After the interactive credibility score of the interactive user and the target user is obtained based on the calculation, the calculated credibility score is compared with a preset credibility relation threshold, and if the credibility score is greater than the credibility relation threshold, the credibility of the target user relative to the interactive user is high, so that the interactive user and the target user have low possibility of interaction or risk occurrence, and the interactive user can perform interactive processing on the interactive request submitted by the interactive user aiming at the target user.

For example, the user a selects the user B in the friend list as a target user for performing the public welfare activity interaction, initiates the public welfare activity interaction by initiating an offer request for establishing a public welfare activity credit contract for the target user B, and performs interaction processing on the public welfare activity, specifically, the user a sends an offer for inviting the target user B to sign the public welfare activity credit contract to the target user B, and after the target user B agrees to the offer, the user B and the target user B participate in the public welfare activity to achieve contract agreement.

Further, in order to perfect the management of the interactive user on the target user based on the interactive credibility, after the interactive request submitted by the interactive user for the target user is interactively processed, the target user with higher credibility in the interactive process is managed by adding the target user into a credible user list of the interactive user and displaying the credible user list to the target user in a mode of sending a display page carrying the credible user list to the target user, so that the interactive user can timely sense the target user with higher credibility in the interactive process, and the interaction between the interactive user and the target user with higher credibility is promoted.

In addition, if the credibility score of the interaction user for interacting with the target user is less than or equal to the credibility relation threshold, optionally, the credibility score is further compared with a preset incredible relation threshold, and if the credibility score is less than or equal to the incredible relation threshold, whether the interaction credibility rate of the target user is less than a preset interaction credibility threshold is judged;

if the target user is a non-credible user, sending a risk prompt that the target user is a non-credible user to a terminal device of the interactive user submitting the interaction request, wherein the risk prompt carries the credibility score of the target user and the interaction credibility of the target user, so as to prompt the interactive user that the credibility of the target user selected by the interactive user is low, and reduce the risk caused by interaction between the interactive user and the target user with low credibility;

if not, the target user is indicated that the interaction trust rate of the previous interaction participation of the target user is not lower than the reminding threshold value, and the processing is not required.

The interaction trust ratio refers to a ratio of the number of interactions in which the target user participates in and successfully completes the interaction to the total number of interactions in which the target user participates in the interaction, for example, the total number of interactions in which the target user B participates in the interaction is 100, where the number of interactions in which the interaction is successfully completed is 97, and the interaction trust ratio of the target user B is 97/100 ═ 97%.

Further, after the risk prompt that the target user is an untrusted user is sent to the terminal device of the interactive user submitting the interactive request, the target user is added to an untrusted user list of the interactive user, the target user with a low credibility (with a high untrusted degree) is managed, and the untrusted user list is displayed to the target user by sending a display page carrying the untrusted user list to the target user, so that the interactive user can timely perceive the target user with a low credibility, and the risk caused by interaction between the interactive user and the target user with a low credibility is reduced.

Further, for the trusted user recorded in the determined trusted user list or the untrusted user recorded in the untrusted user list, in order to further improve perception of trustworthiness of the trusted user in the trusted user list or perception of untrusted degree of the untrusted user in the untrusted user list, in an optional implementation manner provided in this embodiment, after receiving a touch instruction for any one user identifier displayed on the display page, a viewed user corresponding to the user identifier triggered by the touch instruction is determined, and user information, credit information, trustworthiness score, and interaction information of the viewed user are read and displayed based on the display page.

In addition, after a touch instruction aiming at any user identifier displayed on the display page is received, the credential type of the credit credential of the viewed user and the access interface of the credit credential of each credential type can be displayed on the basis of the display page, after an access application aiming at any one access interface is received, the access application is sent to the viewed user, and if the viewed user authorizes the access application, the credit credential of the credential type corresponding to the access interface is read and displayed.

As shown in fig. 4, the credit relationship display page of the user a is provided with a trusted relationship list and an untrusted relationship list, and when the trusted relationship list in the trusted relationship display page is in the display state shown in fig. 4, if the user a clicks the avatar of any trusted user (taking the user B as an example) in the trusted relationship list, the personal trusted information display page of the clicked user (the user B) is displayed, as shown in fig. 5;

if the user A wants to apply for one or more of the 3 credit vouchers of the user B, namely the house property certificate, the driving license and the deposit certificate, an access application can be sent to the user B by clicking an icon of the credit voucher, and the corresponding credit voucher is displayed for access and viewing after the user B authorizes the credit voucher.

In specific implementation, after the credit information and the historical interaction record of the interactive user and the target user are obtained in step S102, and before the interactive request is processed in step S110, in order to reduce a risk caused by interaction between the interactive user and a target user with a low credibility, in an optional implementation manner provided in this embodiment, whether a corresponding interaction risk exists in the interaction type of the target user is evaluated from an interaction type of the interaction request submitted by the interactive user, and a more targeted risk reminder is given to the interactive user when the interaction risk exists, so as to reduce the interaction risk of the interactive user, specifically, the following implementation is adopted:

1) determining an interaction type to which the interaction request belongs;

2) inquiring the interaction record of the interaction type in the interaction record of the target user in the interaction state as a risk interaction record;

3) generating a risk interaction prompt of risk interaction of the target user, which is sent to the terminal equipment of the interaction user submitting the interaction request, based on the searched risk interaction record;

For example, the interactive user a and the target user C perform a fund borrowing interaction to submit a corresponding interaction request, the interaction type to which the interaction request belongs is the fund borrowing interaction, whether the target user C signs a credit fund borrowing contract in a fulfillment state is inquired, if so, a prompt that the target user C currently has an unreturned credit fund borrowing contract is sent to a mobile terminal which submits the interaction request of the fund borrowing interaction of the interactive user a, so that the interactive user a is prompted that the current credit borrowing to the target user C may have risks, and therefore, the situation that an interactive object (the target user C) of the interactive user a has a plurality of unreturned credit fund borrowing contracts with multiple persons, and cannot be paid or not paid is avoided.

In addition, in a specific implementation, after the credit information and the historical interaction record of the interactive user and the target user are obtained in step S102, and before the interactive request is processed interactively in step S110, in order to reduce a risk caused by interaction between the interactive user and a target user with a low credibility, in an optional implementation manner provided in this embodiment, whether the target user has a corresponding interaction risk is evaluated from the historical interaction record of the target user, and a more targeted risk alert is given to the interactive user when the interaction risk exists, so as to reduce the interaction risk of the interactive user, specifically, the following manner is adopted:

1) searching a risk interaction record of the target user as an interaction target participating in interaction in a preset time interval in the historical interaction record of the target user;

2) and generating a risk interaction prompt of risk interaction of the target user, which is sent to the terminal equipment of the interaction user submitting the interaction request, based on the searched risk interaction record.

In summary, the credit-based interaction processing method starts from a target user for which an interaction request submitted by an interaction user is directed, constructs a credit interaction relation chain representing the interaction relation and the credit relation between the interaction user and the target user on the basis of credit information of the interaction user and the target user and a historical interaction record generated by interaction participation, and calculates the credibility score of the target user relative to the interaction user by means of the constructed credit interaction relation chain, so as to serve as an evaluation of the credibility degree of the interaction between the interaction user and the target user, thereby reducing or even avoiding the interaction risk caused by the interaction between the interaction user and the target user with lower credibility, and ensuring the authenticity and safety of interaction activities among users.

The embodiment of the credit-based interaction processing device provided by the specification is as follows:

in the above embodiments, a credit-based interaction processing method is provided, and correspondingly, a credit-based interaction processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of a credit-based interaction processing apparatus provided in this embodiment is shown.

Since the apparatus embodiments are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to the corresponding description of the method embodiments provided above for relevant portions. The device embodiments described below are merely illustrative.

This specification provides a credit-based interaction processing apparatus, comprising:

an interaction request obtaining module 602 configured to obtain an interaction request submitted by an interaction user for a selected target user;

a historical interaction record obtaining module 604, configured to obtain credit information of the interaction user and the target user and a historical interaction record generated by participating in interaction;

a credit interaction relationship chain construction module 606 configured to construct a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction records;

a credibility score calculating module 608 configured to calculate a credibility score of the interaction user for interacting with the target user based on the credit interaction relationship chain;

an interaction processing module 610 configured to perform interaction processing on the interaction request if the credibility score is greater than a credibility relation threshold.

Optionally, the credit interaction relationship chain building module 606 includes:

the credit interactive relationship network construction sub-module is configured to construct a first credit interactive relationship network of the interactive user, wherein the first credit interactive relationship network is composed of all nodes corresponding to the credit information of the interactive user and all nodes corresponding to the historical interactive records of the interactive user, and based on the communication relationship between the credit information of the interactive user and the historical interactive records of the interactive user; constructing a second credit interaction relationship network of the target user, which is composed of all nodes corresponding to the credit information of the target user and all nodes corresponding to the historical interaction records of the target user, based on the interaction relationship between the credit information of the target user and the historical interaction records of the target user;

and the credit interaction relationship chain construction sub-module is configured to establish a communication relationship between a node corresponding to the interaction relationship in the first credit interaction relationship network and a node corresponding to the interaction relationship in the second credit interaction relationship network according to the interaction relationship between the history interaction records of the interaction user and the history interaction records of the target user, and use a target credit interaction relationship network formed by the first credit interaction relationship network and the second credit interaction relationship network after the communication relationship is established as the credit interaction relationship chain.

Optionally, the confidence score calculating module 608 includes:

a credit interaction node pair determining submodule configured to determine a credit interaction node pair having an interaction relationship in the credit interaction relationship chain and a credit node corresponding to the credit score of the target user;

and the credibility score calculating submodule is configured to calculate the credibility score of the interaction user for interacting with the target user according to the credit score of the target user corresponding to the credit node and the credit weight corresponding to the credit node and the interaction weight of each credit interaction node corresponding to each interaction dimension of the interaction target under each interaction dimension.

Optionally, the credit-based interaction processing apparatus includes:

the credibility score judging module is configured to judge whether the interaction trust rate of the target user is smaller than a preset interaction trust threshold value or not under the condition that the credibility score is smaller than or equal to an unreliable relation threshold value; if so, sending a risk prompt that the target user is an untrusted user to the terminal equipment of the interactive user submitting the interactive request;

Optionally, the credit-based interaction processing apparatus includes:

the interaction type determining module is configured to determine an interaction type to which the interaction request belongs;

a risk interaction record query module configured to query the interaction record of the interaction type as a risk interaction record in the interaction records of the target user in the interaction state;

a risk interaction reminding sending module configured to generate a risk interaction reminding that the target user has risk interaction and is sent to the terminal device of the interaction user submitting the interaction request based on the found risk interaction record;

Optionally, the credit-based interaction processing apparatus includes:

the query module is configured to search a risk interaction record of the target user as an interaction target to participate in interaction within a preset time interval in the historical interaction record of the target user;

and the reminding module is configured to generate a risk interaction reminding of the risk interaction of the target user, which is sent to the terminal equipment of the interactive user submitting the interaction request, based on the searched risk interaction record.

Optionally, the credit-based interaction processing apparatus includes:

and the trusted user list display module is configured to add the target user into a trusted user list of the interactive user and display the trusted user list to the target user by sending a display page carrying the trusted user list to the target user.

Optionally, the credit-based interaction processing apparatus includes:

and the untrusted user list display module is configured to add the target user into the untrusted user list of the interactive user, and display the untrusted user list to the target user by sending a display page carrying the untrusted user list to the target user.

Optionally, the credit-based interaction processing apparatus includes:

the viewed user determining module is configured to determine a viewed user corresponding to the user identifier triggered by the touch instruction after receiving the touch instruction aiming at any one user identifier displayed on the display page;

and the display module is configured to read the user information, the credit information, the credibility score and the interaction information of the viewed user and display the user information, the credit information, the credibility score and the interaction information based on the display page.

Optionally, the credit-based interaction processing apparatus includes:

the access interface display module is configured to display the credential types of the credit credentials of the viewed user and the access interfaces of the credit credentials of each credential type on the basis of the display page;

the access application issuing module is configured to issue an access application to the checked user after receiving the access application for any one access interface;

and the credit voucher display module is configured to read and display the credit voucher of the voucher type corresponding to the access interface if the checked user authorizes the access application.

The credit-based interaction processing device provided by the present specification, through cooperation among the interaction request acquisition module 602, the historical interaction record acquisition module 604, the credit interaction relationship chain construction module 606, the credibility score calculation module 608, and the interaction processing module 610, starts from a target user for whom an interaction request submitted by an interaction user is directed, constructs a credit interaction relationship chain representing the interaction relationship and the credit relationship between the interaction user and the target user on the basis of credit information of the interaction user and a historical interaction record generated by interaction participation, and calculates a credibility score of the target user relative to the interaction user by means of the constructed credit interaction relationship chain, as an evaluation of the credibility degree of the interaction user interacting with the target user, therefore, the interaction risk caused by interaction between the interactive user and the target user with lower credibility is reduced or even avoided, and the authenticity and the safety of the interaction between the users are ensured.

The present specification provides an embodiment of a computing device as follows:

FIG. 7 is a block diagram illustrating a configuration of a computing device 700 provided according to one embodiment of the present description. The components of the computing device 700 include, but are not limited to, memory 710 and a processor 720. Processor 720 is coupled to memory 710 via bus 730, and database 750 is used to store data.

Computing device 700 also includes access device 740, access device 740 enabling computing device 700 to communicate via one or more networks 760. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 740 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 700, as well as other components not shown in FIG. 7, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 7 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 700 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 700 may also be a mobile or stationary server.

The present specification provides a computing device comprising a memory 710, a processor 720, and computer instructions stored on the memory and executable on the processor, the processor 720 for executing the computer executable instructions of:

Optionally, the processor 720 is further configured to execute the following computer-executable instructions:

Optionally, after the obtaining of the credit information of the interactive user and the target user and the execution of the historical interaction record instruction generated by participating in the interaction are performed, and before the performing of the interaction processing instruction on the interaction request is performed when the credibility score is greater than the credibility threshold, the processor 720 is further configured to execute the following computer-executable instructions:

determining an interaction type to which the interaction request belongs;

Optionally, after performing an interaction processing instruction on the interaction request when the reliability score is greater than the reliability relation threshold, the processor 720 is further configured to execute the following computer-executable instructions:

Optionally, after the step of sending the risk prompt that the target user is an untrusted user to the terminal device of the interactive user submitting the interaction request is executed, the processor 720 is further configured to execute the following computer-executable instructions:

Optionally, after receiving a touch instruction for any one user identifier displayed on the display page and determining that a viewed user instruction corresponding to the user identifier triggered by the touch instruction is executed, the processor 720 is further configured to execute the following computer-executable instructions:

This specification provides one example of a computer-readable storage medium, comprising:

one embodiment of the present specification provides a computer-readable storage medium storing computer instructions that, when executed by a processor, implement the steps of the credit-based interaction processing method.

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the above-mentioned credit-based interactive processing method belong to the same concept, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the above-mentioned credit-based interactive processing method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A credit-based interaction processing method comprises the following steps:

2. The credit-based interaction processing method of claim 1, wherein the building a credit interaction relationship chain based on the credit information of the interactive user and the target user and the historical interaction records comprises:

3. The credit-based interaction processing method of claim 2, wherein the calculating the credibility score of the interaction user for interacting with the target user based on the credit interaction relationship chain comprises:

4. The credit-based interaction processing method of claim 1, comprising:

5. The credit-based interaction processing method according to claim 1, wherein after the steps of obtaining the credit information of the interaction user and the target user and participating in the historical interaction record generated by interaction are executed, and before the step of performing interaction processing on the interaction request is executed if the credibility score is greater than the credibility threshold, the method comprises:

determining an interaction type to which the interaction request belongs;

6. The credit-based interaction processing method according to claim 1, wherein after the steps of obtaining the credit information of the interaction user and the target user and participating in the historical interaction record generated by interaction are executed, and before the step of performing interaction processing on the interaction request is executed if the credibility score is greater than the credibility threshold, the method comprises:

7. The credit-based interaction processing method of claim 1, wherein the performing of the interaction processing step on the interaction request in the case that the credibility score is greater than the credibility threshold value comprises:

8. The credit-based interaction processing method of claim 4, wherein after the step of sending a risk prompt that the target user is an untrusted user to the terminal device of the interaction user who submitted the interaction request is executed, the method comprises:

9. The credit-based interaction processing method of claim 7 or 8, comprising:

10. The credit-based interaction processing method according to claim 9, wherein after receiving the touch instruction for any one of the user identifiers displayed on the display page, determining that the viewed user step corresponding to the user identifier triggered by the touch instruction is executed, the method includes:

11. A credit-based interaction processing apparatus, comprising:

12. A computing device, comprising:

a memory and a processor;

13. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the credit-based interaction processing method of any one of claims 1 to 10.