Note: Descriptions are shown in the official language in which they were submitted.
A CREDIT INVESTIGATION DATA REPORTING METHOD, APPARUTUS, SYSTEM, DEVICE
AND COMPUTER STORAGE MEDIUM
Field
[0001] The present disclosure relates to data processing technology field,
particularly to a credit
investigation data reporting method, apparatus, system, device and computer
storage medium.
Background
[0002] According to national "financial development and reform 'Twelve Five'
plan" pointed out, it
is clear that credit investigation is part of "financial legal system and
infrastructure construction", at the
same time, with the implementation requirements of Basel 3 and the further
improvement of credit risk
management technology and level, the credit investigation center's demand for
banking credit data
samples owned by the credit investigation system will increase day by day. The
request of improving
credit risk management technology and application system from financial
institutions, especially small
and medium-sized financial institutions, the integration of credit data into
the credit investigation
system puts forward higher requirements for it. To meet the reporting data
requirements of the credit
investigation system and to solve complex business logic interfaces, it is
particularly important for
financial institutions to build a professional credit investigation reporting
system.
[0003] The credit investigation reporting system (hereinafter referred to as
reporting system) is an
important hub for financial institutions to access personal and corporate
credit reporting database
system, providing a relatively simple interface to connect with the business
systems of various financial
institutions, the reporting system is mainly responsible for organizing and
generating message files and
feedback files of analyzing the personal and corporate credit investigation
system according to the
personal and corporate credit investigation system; It can also be operated as
an independent system of
financial institutions to provide system support for some financial
institutions that do not have own
independent business systems, at the same time, the reporting system can
customize other personalized
functions for each financial institution according to actual requests,
customizing other personalized
functions for various financial institutions. The second-generation credit
investigation data reporting:
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following the requirements of People's Bank of China's second-generation
credit investigation data
reporting's interface specification, reporting the banking institutions'
personal and corporate credit,
mortgage, security lending and security borrowing, disposal of non-performing
assets, letter of credit,
guarantees and other business information to the second-generation credit
information system of the
People's Bank of China in the form of standardized messages.
[0004] At present, due to the large number of internal business systems in
financial institutions, it is
often encountered that data inconsistencies between a plurality of systems,
data quality is not high and
data missing is serious, therefore, it creases the difficulty and cost of
credit investigation data reporting
of financial institutions, wastes system resources; meanwhile, because
customers have objections to the
checked credit investigation report, and complaints arise, the customer
satisfaction of financial
companies is often reduced.
Invention Content
[0005] To solve the problems in above-mentioned technical background, the
present invention
provides a credit investigation data reporting method, apparatus, system,
device and computer readable
storage medium, the data is preprocessed, in-depth processed and reported
according to the credit
reporting specifications, the unified data processing procedures and standard
interface is provided to
ensure data quality, improve the efficiency of credit investigation data
reporting, and improve user
experience and customer satisfaction.
[0006] The technical solutions are as following:
[0007] In one aspect, providing a credit investigation data reporting method,
the method comprising:
[0008] Data preprocessing subjective information data of credit investigation
to generate a reporting
data file, the data preprocessing includes at least business data extraction,
basic data verification, basic
data integration, reporting data processing, reporting data pre-verification
and reporting data file
generation;
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[0009] Performing in-depth processing on the reporting data file to generate a
reporting cyphertext;
[0010] Uploading the reporting cyphertext, generating a credit report
according to analysis of the
reported feedback result.
[0011] Preferably, data preprocessing subjective information data of credit
investigation to generate a
reporting data file, comprising:
[0012] Si, business data extraction: extracting subjective information data of
credit investigation from
each business system;
[0013] S2, basic data verification: performing preliminary verification of the
extracted subjective
information data of credit investigation including completeness and abnormal
conditions;
[0014] S3, basic data integration: merging the data after preliminary
verification and repairing missing
or abnormal data;
[0015] S4, reporting data processing: according to reporting requirements,
processing the data after
integration of basic data to generate reporting data;
[0016] S5, reporting data pre-verification: pre-verifying the reporting data
according to knowledge
library verification rule, if there is an abnormality, returning to step S4 to
reprocess and repeating
present step;
[0017] S6, reporting data file generation: generating correspondingly
reporting data file according to
the requirements of in-depth processing data.
[0018] Preferably, the subjective information data of credit investigation
comprises: basic information
of subjective information, loan transaction information, secured transaction
information, credit
agreement information and financial statement information.
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[0019] Performing in-depth processing on the reporting data file to generate a
reporting cyphertext,
comprising:
[0020] Reporting data file stock-in: loading and transmitting the reporting
data;
[0021] Verification of reporting data file stock-in: performing verification
on file format and code of
loaded data, if there is an abnormality, returning step S6 and cyclically
executing the present step;
[0022] Message verification and encryption: combining the knowledge library to
perform data logic
verification and performing compressed encryption operations to generate
reporting cyphertext with
encrypted format, if there is an abnormality, returning to the step S4 and
cyclically executing the present
step.
[0023] Preferably, the compressed encryption operations comprise:
[0024] Pressing reporting data files with txt or csv format to obtain a
compressed file with
correspondingly extension name text.zip or csv.zip;
[0025] Encrypting the compressed file with extension name text.zip or csv.zip
to obtain reporting
cyphertext with enc format.
[0026] Preferably, uploading the reporting cyphertext and generating a credit
report according to
analysis of the reported feedback result, comprising:
[0027] Uploading the reporting cyphertext;
[0028] Obtaining reported feedback result regularly, analyzing reported
feedback result and obtaining
analyzed situation of reported feedback result, if there is an abnormality,
returning to step S4 and
cyclically executing the present step.
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[0029] In the other aspect, a credit investigation data reporting apparatus,
comprising:
[0030] A data preprocessing module configured to data preprocess subjective
information data of
credit investigation to generate a reporting data file, the data preprocessing
includes at least business
data extraction, basic data verification, basic data integration, reporting
data processing, reporting data
pre-verification and reporting data file generation;
[0031] A reporting cyphertext generation module configured to perform in-depth
processing on the
reporting data file to generate a reporting cyphertext;
[0032] A cyphertext reporting module configured to upload the reporting
cyphertext, generating a
credit report according to analysis of the reported feedback result.
[0033] Preferably, the data preprocessing module is configured to:
[0034] Si, business data extraction: extracting subjective information data of
credit investigation from
each business system;
[0035] S2, basic data verification: performing preliminary verification of the
extracted subjective
information data of credit investigation including completeness and abnormal
conditions;
[0036] S3, basic data integration: merging the data after preliminary
verification and repairing missing
or abnormal data;
[0037] S4, reporting data processing: according to reporting requirements,
processing the data after
integration of basic data to generate reporting data;
[0038] S5, reporting data pre-verification: pre-verifying the reporting data
according to knowledge
library verification rule, if there is an abnormality, returning to step S4 to
reprocess and repeating
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present step;
[0039] S6, reporting data file generation: generating correspondingly
reporting data file according to
the requirements of in-depth processing data.
[0040] Preferably, the subjective information data of credit investigation
comprises: basic information
of subjective information, loan transaction information, secured transaction
information, credit
agreement information and financial statement information.
[0041] Preferably, the reporting cyphertext generation module is configured
to:
[0042] Reporting data file stock-in: loading and transmitting the reporting
data;
[0043] Verification of reporting data file stock-in: performing verification
on file format and code of
loaded data, if there is an abnormality, returning step S6 and cyclically
executing the present step;
[0044] Message verification and encryption: combining the knowledge library to
perform data logic
verification and performing compressed encryption operations to generate
reporting cyphertext with
encrypted format, if there is an abnormality, returning to the step S4 and
cyclically executing the present
step.
[0045] Preferably, the compressed encryption operations comprise:
[0046] Pressing reporting data files with bct or csv format to obtain a
compressed file with
correspondingly extension name text.zip or csv.zip;
[0047] Encrypting the compressed file with extension name text.zip or csv.zip
to obtain reporting
cyphertext with enc format.
[0048] Preferably, the cyphertext reporting module is configured to:
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[0049] Uploading the reporting cyphertext;
[0050] Obtaining reported feedback result regularly, analyzing reported
feedback result and obtaining
analyzed situation of reported feedback result, if there is an abnormality,
returning to step S4 and
cyclically executing the present step.
[0051] In the other aspect, providing a credit investigation data reporting
system , comprising a data
preprocessing system, an in-depth processing system and a credit investigation
reporting system, the
data preprocessing system is for: data preprocessing subjective information
data of credit investigation
to generate a reporting data file, the data preprocessing includes at least
business data extraction, basic
data verification, basic data integration, reporting data processing,
reporting data pre-verification and
reporting data file generation; the in-depth processing system is for:
performing in-depth processing on
the reporting data file to generate a reporting cyphertext; the credit
investigation reporting system is
for: uploading the reporting cyphertext, generating a credit report according
to analysis of the reported
feedback result.
[0052] Preferably, the data preprocessing system, comprising:
[0053] Si, business data extraction: extracting subjective information data of
credit investigation from
each business system;
[0054] S2, basic data verification: performing preliminary verification of the
extracted subjective
information data of credit investigation including completeness and abnormal
conditions;
[0055] S3, basic data integration: merging the data after preliminary
verification and repairing missing
or abnormal data;
[0056] S4, reporting data processing: according to reporting requirements,
processing the data after
integration of basic data to generate reporting data;
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[0057] S5, reporting data pre-verification: pre-verifying the reporting data
according to knowledge
library verification rule, if there is an abnormality, returning to step S4 to
reprocess and repeating
present step;
[0058] S6, reporting data file generation: generating correspondingly
reporting data file according to
the requirements of in-depth processing data.
[0059] Preferably, the subjective information data of credit investigation
comprises: basic information
of subjective information, loan transaction information, secured transaction
information, credit
agreement information and financial statement information.
[0060] Preferably, the reporting cyphertext generation module is configured
to:
[0061] Reporting data file stock-in: loading and transmitting the reporting
data;
[0062] Verification of reporting data file stock-in: performing verification
on file format and code of
loaded data, if there is an abnormality, returning step S6 and cyclically
executing the present step;
[0063] Message verification and encryption: combining the knowledge library to
perform data logic
verification and performing compressed encryption operations to generate
reporting cyphertext with
encrypted format, if there is an abnormality, returning to the step S4 and
cyclically executing the present
step.
[0064] Preferably, the compressed encryption operations comprise:
[0065] Pressing reporting data files with txt or csv format to obtain a
compressed file with
correspondingly extension name text.zip or csv.zip;
[0066] Encrypting the compressed file with extension name text.zip or csv.zip
to obtain reporting
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cyphertext with enc format.
[0067[ Preferably, the cyphertext reporting module is configured to:
[0068] Uploading the reporting cyphertext;
[0069] Obtaining reported feedback result regularly, analyzing reported
feedback result and obtaining
analyzed situation of reported feedback result, if there is an abnormality,
returning to step S4 and
cyclically executing the present step.
[0070] In the other aspect, providing a credit investigation data reporting
device, comprising:
[0071] A processor;
[0072] A memory for storing executable instructions of the processor;
[0073] Wherein, the processor is configured to execute any step of the credit
investigation data
reporting method in claim 1 to 6 through the executable instructions.
[0074] In the other aspect, providing a computer readable storage medium
stored with a computer
program configured to achieve any credit investigation data reporting method
in claim 1 to 6 when the
processor executes the computer.
[0075] The technical solution provided by the implementation of the present
invention has beneficial
effects:
[0076] Through the unified data access format and message output result
format, the unified logic
operation and data processing avoid the repeated research needs and
independent development of
various institutions, so the cost of the credit investigation reporting agency
is reduced, the accuracy and
timeliness of the credit investigation data reporting is improved, the
reporting data quality is improved,
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user experience and customer satisfaction are improved, and the occurrence of
customer complaints are
greatly reduced.
Drawing Description
[0077] In order to describe the technical solutions clearer in the
implementations of the present
application or the prior art, the following are drawings that need to be used
are briefly introduced.
Obviously, the drawings in the following description are only some
implementations of the application,
for those of ordinary skill in the art, without creative work, other drawings
can be obtained based on
these drawings.
[0078] Figure 1 is a process diagram of a credit investigation data reporting
method in the
implementation of the present invention;
[0079] Figure 2 is a structural diagram of a credit investigation data
reporting apparatus in the
implementation of the present invention;
[0080] Figure 3 is a structural diagram of a credit investigation data
reporting system in the
implementation of the present invention;
[0081] Figure 4 is a structural diagram of a credit investigation data
reporting device in the
implementation of the present invention;
[0082] Figure 5 is an overall technical architecture diagram of a credit
investigation data reporting
method, apparatus, system, device and computer readable storage medium in the
implementation of the
present invention;
[0083] Figure 6 is a data preprocessing diagram in Figure 5;
[0084] Figure 7 is a data in-depth processing diagram in Figure 5;
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[0085] Figure 8 is a credit investigation data reporting process diagram in
Figure 5;
[0086] Figure 9 is a schematic diagram of the trend of credit investigation
data reporting in the prior
art;
[0087] Figure 10 is a schematic diagram of the trend of credit investigation
data reporting in the
implementation of the present invention.
Specific implementation methods
[0088] In order to make clearer purpose, technical solutions and benefits of
the present invention, the
following will clearly and completely describe the technical solutions of the
implementations in the
present application with accompanying drawings, obviously the described
implementations are only a
part of the implementations in the present application. Based on the
implementations in the present
application, all other implementations obtained by those of ordinary skilled
in the art will fall in the
protection scope of the present application. What should be noted is that
"plurality" means more than
two in the present invention descriptions unless there are other certain
specific limitations.
[0089] The high-availability load balancing method, system and computer
readable storage medium
provided by the implementations of the present invention will be described in
detail below with
reference to specific implementations and drawings.
[0090] Base on current status of credit investigation data reporting
technology, the inventor further
studies the credit investigation reporting specifications issued by People's
Bank of China, different
reporting status of each financial institution and various stages in reporting
practice, which have found
that there are mainly the following problems: each financial institution have
bias in their understanding
of the specifications issued by the People's Bank of China for credit
investigation reporting; each
financial institution developed independently from data access to data
reporting with reference to the
specifications, the workload is large, the calibers vary widely, the quality
of the reported data is uneven;
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developers pay more attention to code writing, and do not pay more attention
to governance of source
data quality; the data reporting quality issues often lead to customer
complaints.
[0091] Therefore, in order to solve the above-mentioned problems, the
implementation of the present
invention provides a credit investigation data reporting solution which
unifies the data access format
and message output format, unifies logical calculation and data processing,
avoids repeated research
needs and independent development of each institution, thus reducing the cost
of credit investigation
reporting agency, improving the accuracy and timeliness of reporting credit
investigation data,
improving the quality of reporting data, improving user experience and
customer satisfaction, greatly
reducing the occurrence of customer complaints. Therefore, the method,
apparatus, system, device and
computer readable storage medium for reporting credit investigation data
provided by the
implementation of the present invention are applicable to each financial
institution business system or
data platform that involve credit investigation data reporting.
[0092] With reference to specific implementations and drawings, a credit
investigation data reporting
method, apparatus, system, device and computer readable storage medium
provided by the
implementations of the present invention are described as following.
[0093] Figure 1 is a process diagram of a credit investigation data reporting
method in the
implementation of the present invention. As shown in figure 1, the credit
investigation data reporting
method provided in the implementation of the present invention comprises
following steps:
[0094] 101, data preprocessing subjective information data of credit
investigation to generate a
reporting data file, the data preprocessing includes at least business data
extraction, basic data
verification, basic data integration, reporting data processing, reporting
data pre-verification and
reporting data file generation.
[0095] Preferably, the above step 101 further includes following sub steps:
[0096] Si, business data extraction: extracting subjective information data of
credit investigation from
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each business system;
[0097] S2, basic data verification: performing preliminary verification of the
extracted subjective
information data of credit investigation including completeness and abnormal
conditions;
[0098] S3, basic data integration: merging the data after preliminary
verification and repairing missing
or abnormal data;
[0099] S4, reporting data processing: according to reporting requirements,
processing the data after
integration of basic data to generate reporting data;
[0100] S5, reporting data pre-verification: pre-verifying the reporting data
according to knowledge
library verification rule, if there is an abnormality, returning to step S4 to
reprocess and repeating
present step;
[0101] S6, reporting data file generation: generating correspondingly
reporting data file according to
the requirements of in-depth processing data.
[0102] Preferably, the subjective information data of credit investigation
comprises: basic information
of subjective information, loan transaction information, secured transaction
information, credit
agreement information and financial statement information.
[0103] What should be noted is that, in the process of step 101, in addition
to the above-mentioned
method, without departing from the present invention, the process can also be
implemented in other
ways, and the implementation of the present invention does not limit the
specific way.
[0104] 102, performing in-depth processing on the reporting data file to
generate a reporting
cyphertext;
[0105] Preferably, the above step 102 further includes the following sub
steps:
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[0106] S7, reporting data file stock-in: loading and transmitting the
reporting data;
[0107] S8, verification of reporting data file stock-in: performing
verification on file format and code
of loaded data, if there is an abnormality, returning step S6 and cyclically
executing the present step;
[0108] S9, message verification and encryption: combining the knowledge
library to perform data
logic verification and performing compressed encryption operations to generate
reporting cyphertext
with encrypted format, if there is an abnormality, returning to the step S4
and cyclically executing the
present step.
[0109] Preferably, the compressed encryption operations comprise: pressing
reporting data files with
txt or csv format to obtain a compressed file with correspondingly extension
name text.zip or csv.zip;
encrypting the compressed file with extension name text.zip or csv.zip to
obtain reporting cyphertext
with enc format.
[0110] What should be noted is that, in the process of step 102, in addition
to the above-mentioned
method, without departing from the present invention, the process can also be
implemented in other
ways, and the implementation of the present invention does not limit the
specific way.
[0111] 103, uploading the reporting cyphertext, generating a credit report
according to analysis of the
reported feedback result.
[0112] S10, uploading the reporting cyphertext;
[0113] S11, obtaining reported feedback result regularly, analyzing reported
feedback result and
obtaining analyzed situation of reported feedback result, if there is an
abnormality, returning to step S4
and cyclically executing the present step.
[0114] What should be noted is that, in the process of step 102, in addition
to the above-mentioned
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method, without departing from the present invention, the process can also be
implemented in other
ways, and the implementation of the present invention does not limit the
specific way.
[0115] Figure 2 is a structural diagram of a credit investigation data
reporting apparatus in the
implementation of the present invention. As shown in figure 2, the credit
investigation data reporting
apparatus provided by the implementation of the present invention comprises a
data preprocessing
module 21, a reporting cyphertext generation module 22 and a cyphertext
reporting module.
[0116]
Wherein, the data preprocessing module is configured to data preprocess
subjective
information data of credit investigation to generate a reporting data file,
the data preprocessing includes
at least business data extraction, basic data verification, basic data
integration, reporting data
processing, reporting data pre-verification and reporting data file
generation; a reporting cyphertext
generation module 22 is configured to perform in-depth processing on the
reporting data file to generate
a reporting cyphertext; a cyphertext reporting module 23 is configured to
upload the reporting
cyphertext, generating a credit report according to analysis of the reported
feedback result.
[0117] A credit investigation data reporting system is also provided by the
implementation of the
present invention. Figure 3 is a structural diagram of a credit investigation
data reporting system in the
implementation of the present invention. As shown in figure 3, the credit
investigation data reporting
system provided by the implementation of the present invention comprises a
data preprocessing system
31, an in-depth processing system 32 and a credit investigation reporting
system 33, the data
preprocessing system 31 is for: data preprocessing subjective information data
of credit investigation
to generate a reporting data file, the data preprocessing includes at least
business data extraction, basic
data verification, basic data integration, reporting data processing,
reporting data pre-verification and
reporting data file generation; the in-depth processing system 32 is for:
performing in-depth processing
on the reporting data file to generate a reporting cyphertext; the credit
investigation reporting system
33 is for: uploading the reporting cyphertext, generating a credit report
according to analysis of the
reported feedback result.
[0118] A credit investigation data reporting device also provided by the
implementation of the present
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invention. Figure 4 is a structural diagram of a credit investigation data
reporting device in the
implementation of the present invention, the credit investigation data
reporting system provided by the
implementation of the present invention comprises a processor 41; a memory 42
for storing executable
instructions of the processor; wherein, the processor 41 is configured to
execute any step of the credit
investigation data reporting method in the above-mentioned solution through
the executable
instructions.
[0119] A computer readable storage medium is also provided in the
implementation of the present
invention, the computer readable storage medium stored with a computer program
configured to achieve
any credit investigation data reporting method in the above-mentioned solution
when the processor
executes the computer program.
[0120] In the following, combining with preferred implementation, the credit
investigation data
reporting method, apparatus, system, device and computer readable storage
medium's overall technical
architecture are further explained.
[0121] Figure 5 is an overall technical architecture diagram of a credit
investigation data reporting
method, apparatus, system, device and computer readable storage medium in the
implementation of the
present invention. Figure 6 is a data preprocessing diagram in Figure 5.
Figure 7 is a data in-depth
processing diagram in Figure 5. Figure 8 is a credit investigation data
reporting process diagram in
Figure 5. Figure 9 is a schematic diagram of the trend of credit investigation
data reporting in the prior
art. Figure 10 is a schematic diagram of the trend of credit investigation
data reporting in the
implementation of the present invention.
[0122] As shown in Figure 5 and Figure 6, the data preprocessing process is
mainly for data extraction
and conversion and data development, the specific technical achieving process
is as following:
[0123] Data reporting agencies need to extract relevant data from agencies'
internal business system
based on specific requirements in terms of the scope, content, time point,
format, form, verification
rules and error correction mechanism of credit data reporting, and the
conditions for credit investigation
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product inquiries, and use it as or processed into data items required by the
credit investigation system.
It mainly includes basic information of subjective information, loan
transaction information, secured
transaction information, credit agreement information, financial statement
information, etc.
[0124] According to the requirements of the second-generation credit
investigation system of
People's Bank of China for the types of reported business, establishing the
correspondingly entity
relationship, and refining the entities according to the data item
specification requirements, refining the
entities into specific tables in the data repository, at the same time,
establishing table structure with
specifications, mainly include: lender profile information table, loan
contract information table, loan
contract amount table, loan certificate table, loan repayment information
table, owing interest
information table, discounting information table, mortgage pledge information
table, guarantee
information table etc.
[0125] The core logic uses the loan card code applied by the lender from
People's Bank of China to
associate the lender's information with the loan contract information, loan
certification information,
repayment information and owing interest information, and writing HiveSQL
which is processed and
stored in the big data platform, data verification and continuous optimization
are used to improve data
reliability and develop data that meets People's Bank of China's credit
investigation specifications.
[0126] As shown in Figure 5 and Figure 7, the data in-depth processing process
mainly performs data
file processing, the specific technical process's achievement is as following:
[0127] In order to improve the quality of credit data reporting, after
generating the data reporting file,
which need to be formatted verification first. At the same time, in order to
facilitate the network
transmission of data report files and data feedback files and reduce the
network bandwidth occupied
during file transmission and the time consumed for file uploading and
downloading, before reporting
the data to the file, which need to be compressed processing. In addition, in
order to ensure the security
of data files in the network transmission process, which also need to encrypt
data file after pressurization,
and the data report files in enc format are obtained after encryption
processing. Similarly, after
downloading the feedback file in enc format, which needs to be decrypted and
decompressed to get the
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feedback file.
[0128] During the preprocessing, the prefix of the file name is always the
same, for example, for two
data reporting files with file names A.txt and B.csv, the file names obtained
after compression are
A.text.zip and B.csv.zip, and then the file names after encryption are A.enc
and B.enc respectively.
[0129] Specifically, format verification process, compression process and
encryption process are
achieved through the following methods:
[0130] 1, format verification function:
[0131] The format verification of the business data reporting file for the
credit data reporting, please
refer to the format verification rules related to the file format, file name,
file header, information record,
information section and data item in the "People's Bank of China Credit
Information System Data
Collection Specification".
[0132] 2, compression and decompression function and algorithm:
[0133] Compressing the data report file in txt or csv format to obtain a
compressed file with the
corresponding extension of txt.zip or csv.zip. The processing is mainly
divided into two steps:
[0134] (1) Compressing the data report file based on the LZ77 algorithm though
the "sliding window"
method;
[0135] (2) Using the Huffman coding method to compress the result of the
obtained data file.
[0136] Correspondingly, decompressing compressed files with the extension
txt.zip or csv.zip is also
divided into two steps:
[0137] (1) Using Huffman coding method to decompress the data report file;
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[0138] (2) Decompressing the obtained data file based on the LZ77 algorithm to
obtain the final
decompressed file.
[0139] The compression and decompression process can be implemented based on
the gzip
compression tool.
[0140] 3, encryption and decryption functions and algorithms:
[0141] Encrypting the compressed file with the extension txt.zip or csv.zip to
obtain the encrypted
file in enc format, the process is mainly divided into two steps:
[0142] (1) Using the symmetric key to encrypt the content of the compressed
data report file to obtain
the encrypted content;
[0143] (2) The fixed-length 10-character information " #.+Extension before the
compressed file
encryption + ft" ( such as "#. txt.zipe, "#.csv.zip#" ) is attached to the end
of the first step to obtain the
content generating enc encrypted file format.
[0144] Correspondingly, the decryption processing of the enc format feedback
file is also divided into
two steps :
[0145] (1) Analyzing the last 10 digits at the end of the file stream from the
enc format feedback
file (such as "#.txt.zipe , " #.csv.zip#") and remaining file stream
information;
[0146] (2) Using the symmetric secret key that has been applied to the credit
center to perform
description on the remaining file stream information parsed in the first step,
obtaining the compressed
data file, and matching the extension of the compressed file with the format
in the last 10 digits of the
file stream in the first step. ( If the last 10 digits of the file stream are
"#. txt.zip # ", the compressed file
extension is "txt.zip"; the last 10 digits of the file stream are "#.csv.zip#
", the compressed file
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extension is "csv.zip ").
[0147] As shown in Figure 8, in this implementation, the process of credit
investigation data reporting
is as following:
[0148] 1. Preprocessing system:
[0149] 1.1 Business data extraction: extracting loan transaction information,
customer information
and other data from each business system;
[0150] 1.2
Basic data verification: preliminary verification of the extracted loan
transaction
information, customer information, etc. Checking whether it is complete,
whether the data value is
abnormal, etc.;
[0151] 1.3 Basic data integration: the basic data merging and organizing,
repairing missing or
abnormal data;
[0152] 1.4 Reporting data processing: refer to the reporting specifications
and process the integrated
data into the reporting data;
[0153] 1.5 Pre-verification of reporting data: pre-verifying reporting data
according to the verification
rules in the knowledge library, and find out in advance if there is a problem,
if there is an abnormality,
it will be returned to 1.4 for data processing;
[0154] 1.6 Generation of reporting data file: providing correspondingly
reporting data file according
to the requirements of the credit investigation data in-deep processing
system;
[0155] 2. In-depth processing system:
[0156] 2.1 Reporting data file stock-in: loading the data file that needs to
be reported into the deep
Date recue / Date received 2021-12-13
processing system;
[0157] 2.2 Verification of reporting data file stock-in: verifying the loaded
data file format, code, etc.,
if there is an abnormality, then return to 1.6 to generation of reporting data
file;
[0158] 2.3 Generating messages: generating messages in the reporting format
(enc) in time series;
[0159] 2.4 Message verification: in the process of message generation, it is
necessary to perform data
logic verification combining with the knowledge library to meet the
requirement for correspondingly
production message, if there is an abnormality, then return to 1.4 for data
processing;
[0160] 2.5 Generate reporting cyphertext: generating report files, such as
encrypted messages such as
transaction information, customer information, and special transactions;
[0161] 3. Credit investigation reporting system:
[0162] 3.1 Credit investigation ciphertext reporting: loading the generated
encrypted message to the
credit investigation reporting system;
[0163] 3.2 Obtaining feedback results: the data loaded into the credit
investigation reporting system
regularly feeds back the reporting results;
[0164] 3.3 Analysis of feedback results: analyzing the feedback results, if
there is an abnormality,
then return to 1.4 to reporting data processing;
[0165] 3.4 Generating a credit investigation report: generating a credit
investigation report for
customer to inquire.
[0166] As shown in Figure 9 and Figure 10, after comparing the prior art and
the implementation of
the present invention, the credit investigation reporting solution is
improved, the conclusions reached
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are shown in the following table:
[0167]
Prior Art Present Invention
Labor Need a lot of labor, including request Only a small amount of
labor is required
analysis and data calculation, etc. to complete standard data
interface.
Risk Risk is difficult to control, demand Basically, no risk, just
to complete the
Management understanding and developer skills most primitive data preparation.
exist risks.
Lead-Time The delivery date is difficult to Can be delivered quickly.
guarantee.
[0168] All the above-mentioned optional technical solutions can be combined in
any way to form an
optional implementation of the present invention, which will not be repeated
here.
[0169] To sum up the above-mentioned, the implementation of the present
invention provides the
credit investigation data reporting method, apparatus, system, device and
computer readable storage
medium, comparing with prior art, which has the following beneficial effects:
[0170] Through the unified data access format and message output result
format, the unified logic
operation and data processing avoid the repeated research needs and
independent development of
various institutions, so the cost of the credit investigation reporting agency
is reduced, the accuracy and
timeliness of the credit investigation data reporting is improved, the
reporting data quality is improved,
user experience and customer satisfaction are improved, and the occurrence of
customer complaints are
greatly reduced.
[0171] What should be noted is when the credit investigation data reporting
apparatus and system
provided in the above implementations trigger the credit investigation data
reporting service, only the
dividing of the above-mentioned functional modules is used as an example, in
actual applications, the
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above-mentioned function allocation can be completed by different functional
modules according to
requirements, in other words, the internal structure of the apparatus and
system is divided into different
functional modules to complete all or part of the functions as described
above. In addition, the credit
investigation data reporting apparatus and system provided in the above-
mentioned implementation
belong to the same concept as the credit investigation data reporting method
implementation, for the
specific implementation process, please refer to the implementation which will
not be repeated here.
[0172] Those of ordinary skill in the art can understand that all or part of
the steps in the foregoing
implementations can be implemented by hardware, or by a program instructing
relevant hardware to be
completed. The program can be stored in a computer-readable storage medium.
The storage medium
mentioned can be a read-only memory, a magnetic disk or an optical disk, etc.
[173] The implementations of the present application are described with
reference to the flowcharts
and/or block diagrams of the method, device (system), and computer program
product according to the
implementations of the present application. It should be understood that each
process and/or block in
the flowchart and/or block diagram, and the combination of processes and/or
blocks in the flowchart
and/or block diagram can be implemented by computer program instructions.
These computer program
instructions can be provided to the processor of a general-purpose computer, a
special-purpose
computer, an embedded processor, or other programmable data processing device
to generate a machine,
so that the instructions executed by the processor of the computer or other
programmable data
processing device are caused to generate apparatus for implementing the
functions specified in one or
more processes in the flowchart and/or one block or more in the block diagram.
[0174] These computer program instructions can also be stored in a computer-
readable memory that
can direct a computer or other programmable data processing device to work in
a specific manner, so
that the instructions stored in the computer-readable memory produce
manufacture product including
the instruction apparatus, the instruction apparatus achieves the functions
specified in one process or a
plurality of processes in the flowchart and/or one block or multiple blocks in
the block diagram.
[0175] These computer program instructions can also be loaded on a computer or
other programmable
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data processing device, so that a series of operation steps are executed on
the computer or other
programmable device to produce computer-implemented processing, so as to the
instructions executed
on the computer or other programmable device provide steps for implementing
functions specified in a
flow or multiple flows in a flowchart and/or a block or multiple blocks in a
block diagram.
[0176] Although the preferred implementation in the implementations of the
present application have
been described, those skilled in the art can make additional changes and
modifications to these
implementations once they learn the basic creative concept. Therefore, the
appended claims are
intended to be interpreted as including the preferred implementations and all
changes and modifications
falling within the scope of the implementations of the present application.
[0177] Obviously, those skilled in the art can make various changes and
modifications to the present
invention without departing from the spirit and scope of the present
invention. In this way, if these
modifications and variations of the present invention fall within the scope of
the claims of the present
invention and equivalent technologies, the present invention is also intended
to include these
modifications and variations.
[0178] The above descriptions are only preferred implementations of the
present invention and are not
intended to limit the present invention. Any modification, equivalent
replacement, improvement, etc.
made within the spirit and principle of the present invention shall be
included in the protection of the
present invention.
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