阅读说明：本技术 一种基于互联网账户的个人用户风险评估方法及系统 (Individual user risk assessment method and system based on Internet account ) 是由 黄颖 于 2021-07-16 设计创作，主要内容包括：本发明公开了一种基于互联网账户的个人用户风险评估方法,包括：S1、通过数据库中的数据对比确认个人用户信息,并在内存空间中建立确认后的个人用户信息的存储单元；S2、通过处理器向个人用户发送风险评估页面链接；S3、由处理器判断个人用户是否在风险评估页面链接授权,如果是,进入步骤S4,如果否,重复步骤S1；S4、授权后从所述内存中的个人用户信息的存储单元中获取绑定的个人信息,接收绑定的个人信息的结果反馈；S5、网页将后台根据接收到的信息结果反馈对个人用户进行信誉度的判定结果和信誉度等级进行显示；S6、判定为高分点危险用户处理器通过网络自动向相关部门发出预警。(The invention discloses an Internet account-based individual user risk assessment method, which comprises the following steps: s1, confirming the personal user information through data comparison in the database, and establishing a storage unit of the confirmed personal user information in the memory space; s2, sending a risk assessment page link to the individual user through the processor; s3, judging whether the individual user is authorized in the risk assessment page link by the processor, if so, entering the step S4, and if not, repeating the step S1; s4, obtaining the bound personal information from the storage unit of the personal user information in the memory after authorization, and receiving result feedback of the bound personal information; s5, the web page feeds back the judgment result of the credibility and the credibility grade of the individual user to the background according to the received information result to be displayed; and S6, the processor of the user who judges the high-branch-point danger automatically sends out early warning to relevant departments through the network.)

1. An internet account based personal user risk assessment method, the method comprising:

s1, confirming the personal user information through data comparison in the database, and establishing a storage unit of the confirmed personal user information in the memory space;

s2, sending a risk assessment page link to the individual user through the processor;

s3, judging whether the individual user is authorized in the risk assessment page link by the processor, if so, entering the step S4, and if not, repeating the step S1;

s4, obtaining the bound personal information from the storage unit of the personal user information in the memory after authorization, and receiving result feedback of the bound personal information;

s5, the web page feeds back the judgment result of the credibility and the credibility grade of the individual user to the background according to the received information result to be displayed;

and S6, the processor of the user who judges the high-branch-point danger automatically sends out early warning to relevant departments through the network.

2. The method of claim 1, wherein the personal users include but are not limited to applet buddies and online virtual buddies.

3. The method for risk assessment of an individual user based on an internet account as claimed in claim 1, wherein step S4 comprises:

and acquiring personal information bound by the other party in a full selection or single selection mode.

4. An individual user risk assessment system based on an internet account is characterized by comprising a transaction platform module, an applicant information acquisition module, an authorization information judgment module, a user credit rating module and a default processing module, wherein:

the transaction platform module is used for establishing digital user information by using a block chain technology and inputting fusion information of a user and the Internet of things;

an applicant information collection module for identifying individual user information for obtaining information relating to a plurality of users from one or more sources;

the authorization information judgment module is used for acquiring personal information bound by the other party after authorization and receiving result feedback of the bound information;

a user credit rating module for rating a user credit based on an associated score in a personality trait of the user;

and the default processing module is used for processing users who are not authorized in the risk assessment page link, carrying out default processing on individual users with low reputation degree grades, and automatically sending early warning to related departments for users judged to be high-score dangerous.

Technical Field

The invention relates to the field of individual user risk assessment, in particular to an individual user risk assessment method and system based on an internet account.

Background

The credibility of the users is very important in time, various defects caused by the credibility exist on various trading platforms, and great trouble is brought to buyers and sellers because the credibility of the other party cannot be confirmed in trading, but no mature technology can solve the problem of the credibility of the personal users from a system and a reliable information evaluation mechanism does not exist at present. Therefore, there is a need for a method and a system for evaluating personal user risk based on an internet account, which can evaluate the credit level of an applicant, collect a lot of information of the applicant, including personal information, platform transaction information, evaluation information for transactions, and the like, and connect with a payment bank, a bank, and the like to verify the reputation of the applicant and perform rating. The efficiency and the accuracy of credit audit are improved, and a great effect is also played on risk control.

Disclosure of Invention

Aiming at the problems, the invention provides the individual user risk assessment method and system based on the Internet account, which can verify the credibility of the applicant and carry out rating, improve the efficiency and accuracy of credit verification and play a great role in risk control.

In order to achieve the technical problem, the invention provides an individual user risk assessment method based on an internet account, which comprises the following steps:

s1, confirming the personal user information through data comparison in the database, and establishing a storage unit of the confirmed personal user information in the memory space;

s2, sending a risk assessment page link to the individual user through the processor;

s3, judging whether the individual user is authorized in the risk assessment page link by the processor, if so, entering the step S4, and if not, repeating the step S1;

s4, obtaining the bound personal information from the storage unit of the personal user information in the memory after authorization, and receiving result feedback of the bound personal information;

s5, the web page feeds back the judgment result of the credibility and the credibility grade of the individual user to the background according to the received information result to be displayed;

and S6, the processor of the user who judges the high-branch-point danger automatically sends out early warning to relevant departments through the network.

In the technical scheme, computer/intelligent mobile phone equipment are connected with each other through the Internet to form the distributed computer network of point-to-point communication; and forming a block chain system with the block chain common chain program; computer/smartphone devices or the blockchain system node devices; an AI (Internet of things) block chain application software development tool program, a life growth experience behavior and event expert system digital quantization model application program, a life growth traceability application program and an individual reputation evaluation application program are arranged on the block chain system node equipment; the block chain technology is used for quantifying the growth experience of the human life and establishing the digital human life, so that the human and the Internet of things are fused, the human life is traced to the source and the block chain credit is evaluated, and the block chain technology has great practical value and social significance. Information relating to a plurality of users is obtained from one or more sources. The information is obtained for at least one type of online activity. Converting the information into personality traits of one or more of the plurality of users. Estimating a personality trait of each of the plurality of users based at least in part on the information related to the user. Each person's personality trait is associated with at least one score. Estimating, with respect to personality traits of one or more persons of a user, reputations of the user included in the plurality of users based on at least one score associated with each of the personality traits of one or more persons of the user and at least one score associated with the personality traits of one or more persons of the plurality of users.

In a further aspect, the individual users include, but are not limited to, applet buddies and online virtual buddies.

In the technical scheme, for the credit rating evaluation of the applicant, the system collects a large amount of information of the applicant, including personal information, platform transaction information, evaluation information aiming at transaction and the like, and is connected with a payment bank, a bank and the like to verify the credit degree of the applicant and perform rating. The efficiency and the accuracy of credit audit are improved, and a great effect is also played on risk control.

In a further aspect, step S4 includes:

and acquiring personal information bound by the other party in a full selection or single selection mode.

In the technical scheme, only useful personal information is extracted.

The invention also provides an Internet account-based personal user risk assessment system, which comprises a transaction platform module, an applicant information acquisition module, an authorization information judgment module, a user credit rating module and a default processing module, wherein:

the transaction platform module is used for establishing digital user information by using a block chain technology and inputting fusion information of a user and the Internet of things;

an applicant information collection module for identifying individual user information for obtaining information relating to a plurality of users from one or more sources;

the authorization information judgment module is used for acquiring personal information bound by the other party after authorization and receiving result feedback of the bound information;

a user credit rating module for rating a user credit based on an associated score in a personality trait of the user;

and the default processing module is used for processing users who are not authorized in the risk assessment page link, carrying out default processing on individual users with low reputation degree grades, and automatically sending early warning to related departments for users judged to be high-score dangerous.

The invention has the beneficial effects that:

1. verifying the reputation of the applicant by using the applet and the webpage and rating;

2. the efficiency and the accuracy of credit auditing are improved, and a great effect is also played on risk control;

3. and (4) automatically sending early warning to relevant departments by the dangerous users at the high branch point, and establishing reliable user confidence.

Drawings

FIG. 1 is a flow chart of a method for risk assessment of an individual user based on an Internet account according to an embodiment of the present invention;

fig. 2 is a schematic structural diagram of an internet account-based personal user risk assessment system according to an embodiment of the present invention.

Description of reference numerals:

10. a trading platform module; 11. an applicant information acquisition module; 12. an authorization information judgment module; 13. A user credit rating module; 14. and a default handling module.

Detailed Description

The embodiments of the present invention will be further described with reference to the accompanying drawings.

Example (b):

as shown in fig. 1, an internet account-based personal user risk assessment method and system can verify the reputation of an applicant and perform rating, improve the efficiency and accuracy of credit auditing, and play a great role in risk control.

In order to achieve the technical problem, the invention provides an individual user risk assessment method based on an internet account, which comprises the following steps:

s1, confirming the personal user information through data comparison in the database, and establishing a storage unit of the confirmed personal user information in the memory space;

s2, sending a risk assessment page link to the individual user through the processor;

s3, judging whether the individual user is authorized in the risk assessment page link by the processor, if so, entering the step S4, and if not, repeating the step S1;

s4, obtaining the bound personal information from the storage unit of the personal user information in the memory after authorization, and receiving result feedback of the bound personal information;

s5, the web page feeds back the judgment result of the credibility and the credibility grade of the individual user to the background according to the received information result to be displayed;

and S6, the processor of the user who judges the high-branch-point danger automatically sends out early warning to relevant departments through the network.

In this embodiment, the computer/smartphone devices are connected to each other via the internet to form the distributed computer network for peer-to-peer communication; and forming a block chain system with the block chain common chain program; computer/smartphone devices or the blockchain system node devices; an AI (Internet of things) block chain application software development tool program, a life growth experience behavior and event expert system digital quantization model application program, a life growth traceability application program and an individual reputation evaluation application program are arranged on the block chain system node equipment; the block chain technology is used for quantifying the growth experience of the human life and establishing the digital human life, so that the human and the Internet of things are fused, the human life is traced to the source and the block chain credit is evaluated, and the block chain technology has great practical value and social significance. Information relating to a plurality of users is obtained from one or more sources. The information is obtained for at least one type of online activity. Converting the information into personality traits of one or more of the plurality of users. Estimating a personality trait of each of the plurality of users based at least in part on the information related to the user. Each person's personality trait is associated with at least one score. Estimating, with respect to personality traits of one or more persons of a user, reputations of the user included in the plurality of users based on at least one score associated with each of the personality traits of one or more persons of the user and at least one score associated with the personality traits of one or more persons of the plurality of users.

In another embodiment, the individual users include, but are not limited to, applet buddies and online virtual buddies.

In the embodiment, for the credit rating evaluation of the applicant, the system collects a large amount of information of the applicant, including personal information, platform transaction information, evaluation information for transaction and the like, and is connected with a payment bank, a bank and the like to verify the credibility of the applicant and perform rating. The efficiency and the accuracy of credit audit are improved, and a great effect is also played on risk control.

In another embodiment, step S4 includes:

and acquiring personal information bound by the other party in a full selection or single selection mode.

In the present embodiment, only useful personal information is extracted.

The invention also provides an internet account-based personal user risk assessment system, as shown in fig. 2, comprising a transaction platform module, an applicant information acquisition module, an authorization information judgment module, a user credit rating module and a default processing module, wherein:

the transaction platform module is used for establishing digital user information by using a block chain technology and inputting fusion information of a user and the Internet of things;

an applicant information collection module for identifying individual user information for obtaining information relating to a plurality of users from one or more sources;

the authorization information judgment module is used for acquiring personal information bound by the other party after authorization and receiving result feedback of the bound information;

a user credit rating module for rating a user credit based on an associated score in a personality trait of the user;

and the default processing module is used for processing users who are not authorized in the risk assessment page link, carrying out default processing on individual users with low reputation degree grades, and automatically sending early warning to related departments for users judged to be high-score dangerous.

The above examples only express the specific embodiments of the present invention, and the description thereof is more specific and detailed, but not to be construed as limiting the scope of the present invention. It should be noted that, for those skilled in the art, various changes and modifications can be made without departing from the spirit of the present invention, and these changes and modifications are within the scope of the present invention.