Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Credit assessment method and apparatus

A credit evaluation and credit technology, applied in the field of data processing, can solve the problems of long consumption and low credit evaluation efficiency.

Inactive Publication Date: 2017-06-27
SHANDONG INSPUR CLOUD SERVICE INFORMATION TECH CO LTD
View PDF3 Cites 14 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] For the current method of credit evaluation, the data resources used for credit evaluation are distributed on different data carriers. When credit evaluation is required, it takes a long time to obtain relevant data resources from each data carrier. Resulting in less efficient credit assessment

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Credit assessment method and apparatus
  • Credit assessment method and apparatus
  • Credit assessment method and apparatus

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0044] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work belong to the protection of the present invention. scope.

[0045] Such as figure 1 As shown, the embodiment of the present invention provides a method for credit evaluation, which may include the following steps:

[0046] Step 101: collecting credit data from at least two data carriers, and storing the credit data in a preset credit database;

[0047] Step 102: For any credit reference object, read the credit...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention provides a credit assessment method and apparatus. The method comprises: acquiring credit data from at least two data carriers and storing the credit data in a preset credit database; for any credit investigation object, reading the credit data of the credit investigation object from the credit database; performing credit assessment on the credit investigation object by using a preset assessment model based on the read credit data to form and store a corresponding credit assessment report; determining a credit investigation object to be queried according to an externally input credit query request; and reading and outputting the credit assessment report of the credit investigation object to be queried. The apparatus comprises an acquisition unit, an assessment unit, a receiving unit and an output unit. The method and apparatus can improve the efficiency of credit assessment.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a credit evaluation method and device. Background technique [0002] Credit evaluation refers to the market behavior in which credit evaluation agencies use expert judgment or data analysis methods to comprehensively evaluate the ability and credibility of individuals and companies to perform various commitments and express them in simple and clear symbols or documents to meet social needs. Credit evaluation is widely used in lending behavior, corporate financing, etc., and plays an important role in the market economy. [0003] At present, when evaluating the credit of an individual or an enterprise, data resources are obtained from various data carriers, and the credit of the individual or enterprise is evaluated based on the obtained data resources. [0004] For the current method of credit evaluation, the data resources used for credit evaluation are distributed on d...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F17/30
CPCG06F16/2315G06F16/2358G06F16/2365G06Q40/03
Inventor 唐旋崔乐乐王传超谢传家毛立花
Owner SHANDONG INSPUR CLOUD SERVICE INFORMATION TECH CO LTD
Features
  • Generate Ideas
  • Intellectual Property
  • Life Sciences
  • Materials
  • Tech Scout
Why Patsnap Eureka
  • Unparalleled Data Quality
  • Higher Quality Content
  • 60% Fewer Hallucinations
Social media
Patsnap Eureka Blog
Learn More

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2025 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com