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A credit account management method and system based on user privacy

A technology for account management and user privacy, which is applied in the credit account management method and system field based on user privacy, can solve the problems of personal privacy leakage and the inability to guarantee the safety of users' personal credit business, and achieve privacy assurance and management cost optimization Effect

Active Publication Date: 2022-06-21
阿尔法时刻科技(深圳)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In view of the defects in the prior art, the purpose of the embodiment of the present application is to provide a credit account management method and system based on user privacy, which solves the problem of direct management of the credit business of the user based on the credit platform in the prior art. Inevitably, there are human or non-human factors, which make the user's personal privacy leaked, and cannot guarantee the technical problems of the user's personal credit business security.

Method used

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  • A credit account management method and system based on user privacy
  • A credit account management method and system based on user privacy
  • A credit account management method and system based on user privacy

Examples

Experimental program
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Embodiment 1

[0027] like figure 1 As shown, the embodiment of the present application provides a credit account management method based on user privacy, wherein the method includes:

[0028] Step S100: obtaining a first set of users;

[0029] Step S200: obtaining the basic information and historical credit repayment record information of each user in the first user set;

[0030] Specifically, for the management of loan user privacy data, the entire process of establishing an account needs to be carried out in the platform intranet or in a confidential environment. factor, the user's personal privacy is leaked, in order to ensure that the user's credit privacy business is protected, in this embodiment of the application, a third-party encryption management can be performed on the user's credit privacy business. Further, the first user The set includes the set of users who provide credit to the credit platform or institution. The credit specifically includes credit activities such as bank ...

Embodiment 2

[0072] Based on the same inventive concept as the user privacy-based credit account management method in the foregoing embodiment, the present invention also provides a user privacy-based credit account management system, such as Figure 5 As shown, the system includes:

[0073] First obtaining unit 11: the first obtaining unit 11 is used to obtain the first set of users;

[0074] Second obtaining unit 12: the second obtaining unit 12 is configured to obtain the basic information and historical credit repayment record information of each user in the first user set;

[0075] Third obtaining unit 13: The third obtaining unit 13 is used to use the basic information and the historical credit repayment record information of each user as a storage unit;

[0076] The first storage unit 14: the first storage unit 14 is used to store each of the storage units in different devices correspondingly;

[0077] The first issuing unit 15: the first issuing unit 15 is configured to issue a c...

Embodiment 3

[0104] Reference below Image 6 to describe the electronic device of the embodiments of the present application.

[0105] Image 6 A schematic structural diagram of an electronic device according to an embodiment of the present application is shown.

[0106]Based on the inventive concept of a user privacy-based credit account management method implemented in the foregoing example, the present invention also provides a user privacy-based credit account management system, which stores a computer program, which is implemented when the program is executed by the processor. The steps of any method of a credit account management system based on user privacy described above.

[0107] Among them, in Image 6 In the bus architecture (represented by bus 300 ), bus 300 may include any number of interconnected buses and bridges, bus 300 will include one or more processors represented by processor 302 and various types of memory represented by memory 304 circuits are linked together. ...

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Abstract

The present invention discloses a credit account management method and system based on user privacy, wherein the method includes: obtaining a first user set; obtaining each user's basic information and historical credit repayment record information; The basic information and historical credit repayment record information are used as a storage unit; they are stored in different devices correspondingly; the credit account management model is issued to each device; the basic information and historical credit repayment record information of each user are input into the corresponding In the credit account management model in the device, the output information is obtained; the management cost value of each user is uploaded to the credit account management platform for management. It solves the technical problem that in the existing technology, when the credit platform directly manages the user's credit business, there are unavoidable human or non-human factors, which make the user's personal privacy leaked and cannot guarantee the safety of the user's personal credit business .

Description

technical field [0001] The present invention relates to the field of financial credit, and in particular, to a method and system for credit account management based on user privacy. Background technique [0002] For the management of loan users' privacy data, the entire process of establishing an account needs to be carried out in the platform's intranet or in a confidential environment, and identity verification is required when accessing; each account is established with its own privacy check code, and when external network personnel need to call When an account or an account is modified, a verification code needs to be entered for identification; changes in account information need to be recorded and stored to facilitate traceability in the event of an exception; account information needs to be stored locally and backed up in the cloud. [0003] However, in the process of realizing the technical solutions of the invention in the embodiments of the present application, the...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02G06F21/62
CPCG06F21/6245G06Q40/03
Inventor 袁瑞
Owner 阿尔法时刻科技(深圳)有限公司
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