Method and device for obtaining credit status

Abstract

The embodiment of the invention discloses a method and for obtaining a credit status, and the method is used for a credit investigation platform. The method comprises the steps: receiving first creditdata transmitted by a client of a target user, wherein the first credit data is used for describing the credit status of the target user; transmitting a verification request of the first credit datato the client of a target channel side, wherein the target channel side is a channel side which can verify the authenticity of the first credit data; and updating a credit report of the target user through the first credit data if verification success information, sent by the client of the target channel side, of the first credit data is received. In addition, the embodiment of the invention alsodiscloses a device for obtaining a credit report.

Description

technical field [0001] The invention relates to the field of information technology, in particular to a method and device for acquiring credit status. Background technique [0002] Recently, with the gradual integration of the Internet and finance, more and more users have begun to use credit services and other services related to the user's credit status more and more conveniently. For these services, the organization that provides the service needs to know the credit status of the user requesting the service, so as to avoid the business from facing excessive credit risks. In order for the service provider to understand the user's credit status, the credit agency can collect data related to the user's credit status from various channels such as the user, to analyze and form the user's credit report, and then provide it to the service provider for further information. Make the organization that provides the service understand the user's credit status. However, on the one h...

AI Technical Summary

Problems solved by technology

However, on the one hand, the data provided by users to credit agencies may be wrong data; on the other hand, the data collected by credit agencies from channels other than users is often inaccurate or incomplete, but users Errors are unavoidable when correcting these inaccurate or incomplete data. Therefore, it is often difficult for credit agencies to accurately collect data related to users' credit status, and thus cannot provide accurate credit reports.

In this way, organizations that provide services cannot know the true and credible credit status of users, so they may face excessive credit risks

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