关键字: 个人征信,接口规范,数据采集,报文 The collection and transmission system of the personal credit information
Abstract Personal Credit System is a important component of the social credit system. It’s used to combine and process the personal credit information and the personal basic information, as a result,the consumer’s fairly and overall credit image files will be creat-ed. so that the relevant organization can make the image as a referrence basis that c-onducts an activity. to provide a service understand personal reputation and the prestig-e condition for the bank and the society. This paper first describes the current situation and development trend of the perso-nal credit system, then conduct a feasibility and risk analysis focus on the developme-nt of the personal credit system, and then analyzes the personal credit system require-ments documents and personal credit data acquisition interface specification of the Peo-ple's Bank of China. And develop a design document with these requirements. This p-aper also described how to development a collection and transmission system of the personal credit information in commercial bank with J2EE technology and the popularOpen Source Java framework. The system involves many Interface Specification and s-afety knowledge, it can report the personal basic information and credit information tothe People's Bank of China by using the interface specification.
Keywords: personal credit information, the interface specification, data acquisition, report