CN107392451A - A kind of risk control system - Google Patents
A kind of risk control system Download PDFInfo
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- CN107392451A CN107392451A CN201710560506.1A CN201710560506A CN107392451A CN 107392451 A CN107392451 A CN 107392451A CN 201710560506 A CN201710560506 A CN 201710560506A CN 107392451 A CN107392451 A CN 107392451A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The present invention relates to the risk control system in borrowing process.Purpose is to provide a kind of risk control system that can carry out risk multistage prevention and control.Used technical scheme is：A kind of risk control system, including application information correction verification module, antifraud detection module, scorecard determination module and local information storage module.The processing step of risk control examination ＆ verification is as follows：Application information correction verification module verifies to application information.Scorecard determination module draws basic score according to application information and default logic rules model.Antifraud detection module calls the collage-credit data of main strategies service provider, and carries out antifraud detection to collage-credit data.Scorecard determination module draws extension scoring according to collage-credit data and default logic rules model.Scorecard determination module carries out aggregation process and feedback result to basic score and extension scoring.The present invention can realize the multistage risk prevention system in borrowing process, can greatly reduce the risk in borrowing process.
Description
Technical field
The present invention relates to the risk control system in borrowing process, is carried out more particularly to a kind of debt-credit risk to debtor
The risk control system of assessment.
Background technology
The debt-credit that debt-credit is broadly divided between citizen, is initiated between citizen and legal person, between legal person and legal person.As long as both sides
Party's hint expression can truly be assert effectively, also corresponding effective because being mortgaged caused by debt-credit, but interest rate must not exceed the people
Related interest rate as defined in bank.Debt-credit continues to develop as a kind of aboundresources, the flexible financing means of operation in market economy
The contradiction for greatly alleviating insufficient funds today, promote expanding economy.During debt-credit, the control to risk
It is the key factor that debt-credit is able to develop in a healthy way.
At present, artificial mode or half are mainly passed through for lender, that is, the risk control examination ＆ verification of loan applicant
Artificial mode is carried out.During risk is audited, excessive artificial participation can not effectively ensure the reasonability of debt-credit, deposit
In many hidden danger, such as：Auditor's carelessness, auditor's corruption and degeneration etc..Simultaneously as in the process of risk control examination ＆ verification
In, the scope of examination ＆ verification is wider, and the cycle that artificial and semi-artificial mode is audited is long, speed is slow, and usually a flow is got off needs
10 days first quarter moons even longer time, cause really to need the enterprise of financial support can not quickly take loan.Examined to improve
Core speed, reviewing authority either reduces examination ＆ verification project or carelessness is perfunctory to, and this causes the increase of the risk of debt-credit drastically again.Mesh
Before, risk control examination ＆ verification can be rapidly performed by by being badly in need of one kind, and and can ensures the comprehensive and risk control of accuracy of examination ＆ verification
System.
The content of the invention
It is an object of the invention to provide a kind of risk control system that multistage prevention and control can be carried out to risk.
For achieving the above object, the technical solution adopted in the present invention is：A kind of risk control system, including to by means of
Borrow application information correction verification module, antifraud detection module, scorecard determination module and sheet that applicant carries out risk control examination ＆ verification
Ground information storage module；The processing step of risk control examination ＆ verification is as follows：
(1) the application information correction verification module verifies to application information；Verification failure then risk control examination ＆ verification failure,
Verify and successfully then enter step (2)；
(2) scorecard determination module draws basic score according to application information and default logic rules model；Comment on basis
Divide too low then risk control examination ＆ verification failure, otherwise into step (3)；
(3) the antifraud detection module calls the collage-credit data of main strategies service provider, and collage-credit data is carried out
Antifraud detects, and detection failure then risk control examination ＆ verification failure, detects and successfully then enters step (4)；
(4) scorecard determination module draws extension scoring according to collage-credit data and default logic rules model；Extension is commented
Divide too low then risk control examination ＆ verification failure, otherwise into step (5)；
(5) scorecard determination module carries out aggregation process and feedback result, the feedback to basic score and extension scoring
As a result include pass through, refuse, three kinds of manual examination and verification.
Preferably, the application information correction verification module includes required field inspection submodule, blacklist checks submodule, reality
Name authentication check submodule, repeat to apply checking that submodule and current overdue situation verify submodule, and application information calibration mode
Any submodule block check failure then risk control examination ＆ verification failure in block.
Preferably, the required field checks that submodule includes identification card number verification unit, phone verification unit, applicant
Identity category verification unit, product category verification unit and operator's authorization conditions verification unit, and required field checks submodule
Any verification unit verification failure then risk control examination ＆ verification failure in block.
Preferably, the blacklist checks that submodule includes identity card blacklist verification unit, phone blacklist verification list
Member and enterprise's blacklist verification unit；The required field checks the verification knot of applicant's identity category verification unit in submodule
Fruit then triggers enterprise's blacklist verification unit for adult and verified, and does not otherwise trigger enterprise's blacklist verification unit；It is described black
List checks any verification unit verification failure then risk control examination ＆ verification failure in submodule.
Preferably, the real-name authentication checks that submodule is used to carry out real-name authentication to the identity information of loan applicant；
Real-name authentication checks that the processing step of submodule is as follows：
The information in local information storage module is inquired about to determine whether need according to the ID card information of applicant
Head portrait identification is carried out, then API Calls is initiated to real-name authentication provider if necessary to carry out head portrait identification, API is returned and tied
Fruit is verified；The record on record inquired about if it need not carry out head portrait identification in local information storage module；There is note on record
Record then directly verifies to record on record, then initiates API Calls to real-name authentication provider without record on record and API is returned
Result is returned to be verified.
Preferably, it is described to repeat to apply for that the processing step of inspection submodule is as follows：
According to the ID card information of applicant and phone information the information in local information storage module is inquired about with
Record on record is determined whether, has record on record then to be verified to record on record, then completes to repeat to apply without record on record
Detection；
The processing step that current overdue situation verifies submodule is as follows：
According to the ID card information of applicant and phone information the information in local information storage module is inquired about with
Record on record is determined whether, has record on record then to be verified to record on record, overdue situation is then completed without record on record
Detection.
Preferably, the processing step of the antifraud detection module is as follows：
Antifraud detection module checks in local information storage module the collage-credit data for whether having applicant, there is then direct root
Collage-credit data is detected according to default antifraud detected rule；Then the collage-credit data of main strategies service provider is not entered
Row API Calls, detected according to the collage-credit data that default antifraud detected rule returns to main strategies service provider, and
The collage-credit data of return is made into persistence processing into local information storage module.
Preferably, the collage-credit data that the antifraud detection module calls is at least from three main strategies service providers.
Beneficial effect of the present invention embodies a concentrated reflection of：
1st, overall calibration is carried out by the application information to applicant and reference information, and by the basis based on application information
Scoring and the extension of reference information scoring are included scorecard determination module and detected respectively, realize the multistage wind in borrowing process
Dangerous prevention and control, the risk in borrowing process can greatly be reduced.
2nd, audited with automation and replace traditional manual examination and verification, improved the efficiency of examination ＆ verification, reduce the risk of mistake, subtract
Lack the interference of human factor in borrowing process, improve out the integrated management level during debt-credit.
Brief description of the drawings
Fig. 1 is the total working FB(flow block) of the present invention；
Fig. 2 is the workflow block diagram of the present patent application information checking module；
Fig. 3 is the workflow block diagram that required field of the present invention checks submodule；
Fig. 4 is the workflow block diagram that blacklist of the present invention checks submodule；
Fig. 5 is the workflow block diagram that real-name authentication of the present invention checks submodule；
Fig. 6 is the workflow block diagram that the present invention repeats that application checks submodule and current overdue situation verifies submodule；
Fig. 7 is the system block diagram of antifraud detection module of the present invention；
Fig. 8 is the workflow block diagram of antifraud detection module of the present invention；
Fig. 9 is the system block diagram of scorecard determination module of the present invention；
Figure 10 is the workflow block diagram of scorecard determination module of the present invention.
Embodiment
A kind of risk control system with reference to shown in Fig. 1-10, as shown in figure 1, including carrying out risk control to loan applicant
Make application information correction verification module, antifraud detection module, scorecard determination module and the local information storage module of examination ＆ verification, application
The core component of information checking module, antifraud detection module, three big module of scorecard determination module as the present invention, by right
The scorecard rule that the inspection of applicant's information field, the API Calls of main strategies system including system define, to assess
Risk, avoid risk.
The application information correction verification module verifies to the application information of loan application people, as shown in Fig. 2 application information
Correction verification module mainly includes required field and checks that submodule, blacklist check that submodule, real-name authentication check submodule, repeat Shen
It please check that submodule and current overdue situation verify submodule.According to it is each loan the side of lending specific examination ＆ verification situation or
Select one or more of above multiple submodule, naturally it is also possible to set up other submodules.In application information correction verification module
During being verified, any submodule block check failure then risk control examination ＆ verification failure.Such as：Required field checks submodule
Verification failure, even if the success of other submodule complete verifications, also result in risk control examination ＆ verification failure.The verification of each submodule is suitable
Sequence can carry out certain adjustment according to demand.
As shown in figure 3, the required field checks that submodule includes identification card number verification unit, phone verification unit, Shen
Ask someone identity category verification unit, product category verification unit and operator's authorization conditions verification unit, and required field inspection
Any verification unit verification failure then risk control examination ＆ verification failure in submodule.Identification card number as applicant unique mark,
Phone number can not think sky as contact method at least.For different identity (such as：Student, adult), it is different
Product needs corresponding different rule set when carrying out the detection of scorecard determination module, therefore can not be sky；Operator authorizes
Situation is used in main strategies service provider API Calls, can not is sky, otherwise be will be unable to by required field inspection
The verification of submodule.
As shown in figure 4, the blacklist checks that submodule includes identity card blacklist verification unit, phone blacklist verifies
Unit and enterprise's blacklist verification unit；The required field checks the verification of applicant's identity category verification unit in submodule
As a result enterprise's blacklist verification unit is then triggered for adult to be verified, otherwise do not trigger enterprise's blacklist verification unit；It is described
Blacklist checks any verification unit verification failure then risk control examination ＆ verification failure in submodule.The foundation application of blacklist scanning
The ID card No. and phone number of people is retrieved, once hit blacklist, then risk control examination ＆ verification failure.If adult
The applicant of identity, the extra operation for using the left character string fuzzy matching enterprise blacklist of enterprise name is also needed, does hit results mark
Know, form is percents.
As shown in figure 5, the real-name authentication checks that the identity information progress real name that submodule is used for loan applicant is recognized
Card；Real-name authentication checks that the processing step of submodule is as follows：According to the ID card information of applicant to local information storage module
Interior information is inquired about to determine the need for carrying out head portrait identification, is then carried if necessary to carry out head portrait identification to real-name authentication
API Calls are initiated for business, API returning results are verified；Local information storage is inquired about if it need not carry out head portrait identification
Record on record in storing module；There is record on record then directly to be verified to record on record, then recognize without record on record to real name
Card provider initiates API Calls and API returning results is verified.
As shown in fig. 6, described repeat to apply for that the processing step of inspection submodule is as follows：According to the ID card information of applicant
The information in local information storage module is inquired about with phone information to determine whether record on record, have record on record then
Record on record is verified, then completes to repeat application detection without record on record；
The processing step that current overdue situation verifies submodule is as follows：According to the ID card information and phone information of applicant
Information in local information storage module is inquired about to determine whether record on record, have record on record then to record on record
Verified, then complete overdue situation without record on record and detect.
That is, it is for there is application record to repeat application to check that submodule and current overdue situation verify submodule
In the case of the inspection done, it is directly regular using the Data Matching of application record to repeat checking for application, the verification of overdue situation
Directly invoke system interface after borrowing.If without application record, repeat application and check that submodule and current overdue situation verify son
Module is no longer checked.
As shown in fig. 7, data of the antifraud detection module by API Calls Duo Jia main strategies service provider, according to being
The logic rules model that system defines, output result.The quantity of usual main strategies service provider is at least three, preferably
Four.Main strategies service provider is for example：With shield is scientific and technological, preceding extra large reference, calm whale number, poly- letter are vertical etc..With reference to shown in Fig. 7 and 8,
The processing step of the antifraud detection module is as follows：Antifraud detection module checks in local information storage module whether there is Shen
The collage-credit data asked someone, has, and directly collage-credit data is detected according to default antifraud detected rule；Not then to
The collage-credit data of tripartite's reference service provider carries out API Calls, according to default antifraud detected rule to main strategies service
The collage-credit data that business returns is detected, and the collage-credit data of return is made into persistence processing into local information storage module.
The present invention due to main strategies service provider API Calls when pay, therefore the data called every time will make it is local persistently
Change and preserve, when carrying out antifraud detection, first check the local data record for whether having persistence, judge whether to continue to use and held
The data changed long, on the contrary just initiate API request.
As shown in figure 9, scorecard determination module of the present invention mainly includes basic score determination module, extension scoring judges mould
Block.The basic score determination module of scorecard determination module and extension scoring determination module are separated to main process task flow by the present invention
It is central, the processing sequence of basic score determination module preferably between application information correction verification module and antifraud detection module, this
Allowing for basic score has minimum point of threshold value, if basic score is too low, then carries out antifraud detection just without any meaning
Justice.For the processing sequence of extension scoring determination module preferably after antifraud detection module, this allows for the defeated of extension scoring
Enter the API returned datas that data division relies on the offer of main strategies service provider.
The scorecard determination module of the present invention is assigned to different score values and weight, input application to the various information of applicant
Each data of person can calculate final score value, and risk is assessed with this.Scorecard determination module meets this by Drools frameworks
One functional requirement, the rule file recognizable by writing Drools frameworks, framework composition rule collection, injects Shen in rule set
Please person's data, rule automatically processes output result.
As shown in figure 1, the present invention is totally as follows in the processing step of risk control examination ＆ verification：
(1) the application information correction verification module verifies to application information；Verification failure then risk control examination ＆ verification failure,
Verify and successfully then enter step (2)；
(2) scorecard determination module draws basic score according to application information and default logic rules model；Comment on basis
Divide too low then risk control examination ＆ verification failure, otherwise into step (3)；
(3) the antifraud detection module calls the collage-credit data of main strategies service provider, and collage-credit data is carried out
Antifraud detects, and detection failure then risk control examination ＆ verification failure, detects and successfully then enters step (4)；
(4) scorecard determination module draws extension scoring according to collage-credit data and default logic rules model；Extension is commented
Divide too low then risk control examination ＆ verification failure, otherwise into step (5)；
(5) scorecard determination module carries out aggregation process and feedback result, the feedback to basic score and extension scoring
As a result include pass through, refuse, three kinds of manual examination and verification.
The present invention carries out overall calibration by the application information to applicant and reference information, and by based on application information
The extension scoring of basic score and reference information is included scorecard determination module and detected respectively, realizes more in borrowing process
Level risk prevention system, can greatly reduce the risk in borrowing process.Audited with automation and replace traditional manual examination and verification, improved
The efficiency of examination ＆ verification, the risk for reducing mistake, reduce the interference of human factor in borrowing process, during improving out debt-credit
Integrated management it is horizontal.
Claims (8)
1. a kind of risk control system, including the application information correction verification module of risk control examination ＆ verification is carried out to loan applicant, is prevented
Fraud detection module, scorecard determination module and local information storage module；The processing step of risk control examination ＆ verification is as follows：
(1) the application information correction verification module verifies to application information；Verification failure then risk control examination ＆ verification failure, verification
It is successful then enter step (2)；
(2) scorecard determination module draws basic score according to application information and default logic rules model；Basic score mistake
Low then risk control examination ＆ verification failure, otherwise into step (3)；
(3) the antifraud detection module calls the collage-credit data of main strategies service provider, and anti-take advantage of is carried out to collage-credit data
Swindleness detection, detection failure then risk control examination ＆ verification failure, detects and successfully then enters step (4)；
(4) scorecard determination module draws extension scoring according to collage-credit data and default logic rules model；Extension was scored
Low then risk control examination ＆ verification failure, otherwise into step (5)；
(5) scorecard determination module carries out aggregation process and feedback result, the feedback result to basic score and extension scoring
Including by, refusal, three kinds of manual examination and verification.
2. risk control system according to claim 1, it is characterised in that：The application information correction verification module includes filling out
Field checks that submodule, blacklist check that submodule, real-name authentication check submodule, repeat to apply checking submodule and currently exceed
Phase situation verifies submodule, and any submodule block check failure then risk control examination ＆ verification failure in application information correction verification module.
3. risk control system according to claim 2, it is characterised in that：The required field checks that submodule includes body
Part card verification unit, phone verification unit, applicant's identity category verification unit, product category verification unit and operator award
Power situation verification unit, and required field checks any verification unit verification failure then risk control examination ＆ verification failure in submodule.
4. risk control system according to claim 2, it is characterised in that：The blacklist checks that submodule includes identity
Demonstrate,prove blacklist verification unit, phone blacklist verification unit and enterprise's blacklist verification unit；The required field checks submodule
The check results of applicant's identity category verification unit then trigger enterprise's blacklist verification unit for adult and verified in block, no
Enterprise's blacklist verification unit is not triggered then；The blacklist checks any verification unit verification failure then risk control in submodule
System examination ＆ verification failure.
5. risk control system according to claim 2, it is characterised in that：The real-name authentication checks that submodule is used for pair
The identity information of loan applicant carries out real-name authentication；Real-name authentication checks that the processing step of submodule is as follows：
The information in local information storage module is inquired about according to the ID card information of applicant with determine the need for into
Wardrobe picture identifies, then initiates API Calls to real-name authentication provider if necessary to carry out head portrait identification, API returning results are entered
Row verification；The record on record inquired about if it need not carry out head portrait identification in local information storage module；There is record on record then
Directly record on record is verified, then initiates API Calls and return to API to tie to real-name authentication provider without record on record
Fruit is verified.
6. risk control system according to claim 2, it is characterised in that：The processing for repeating application and checking submodule
Step is as follows：
The information in local information storage module is inquired about according to the ID card information of applicant and phone information to determine
Whether there is record on record, there is record on record then to be verified to record on record, then complete to repeat application detection without record on record；
The processing step that current overdue situation verifies submodule is as follows：
The information in local information storage module is inquired about according to the ID card information of applicant and phone information to determine
Whether there is record on record, there is record on record then to be verified to record on record, then complete overdue situation without record on record and detect.
7. according to the risk control system described in any one in claim 1-6, it is characterised in that：The antifraud detects mould
The processing step of block is as follows：
Antifraud detection module checks in local information storage module the collage-credit data for whether having applicant, has then directly according to pre-
If antifraud detected rule collage-credit data is detected；Then the collage-credit data of main strategies service provider is not carried out
API Calls, detected according to the collage-credit data that default antifraud detected rule returns to main strategies service provider, and will
The collage-credit data of return makees persistence processing into local information storage module.
8. risk control system according to claim 7, it is characterised in that：The reference that the antifraud detection module calls
Data are at least from three main strategies service providers.
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Cited By (18)
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| CN108269186A (en) * | 2018-01-23 | 2018-07-10 | 平安好房（上海）电子商务有限公司 | User information verification method, device, equipment and readable storage medium storing program for executing |
| CN108366045A (en) * | 2018-01-02 | 2018-08-03 | 北京奇艺世纪科技有限公司 | A kind of setting method and device of air control scorecard |
| CN108364224A (en) * | 2018-01-12 | 2018-08-03 | 深圳壹账通智能科技有限公司 | Credit risk joint control method, apparatus, equipment and readable storage medium storing program for executing |
| CN108846737A (en) * | 2018-04-19 | 2018-11-20 | 长春市万易科技有限公司 | A kind of fraud measure and system |
| CN109146671A (en) * | 2018-08-28 | 2019-01-04 | 卫盈联信息技术（深圳）有限公司 | Air control method, apparatus and computer readable storage medium |
| CN109410031A (en) * | 2018-09-27 | 2019-03-01 | 苏宁消费金融有限公司 | The consumptive credit intelligence measures and procedures for the examination and approval and system |
| CN109472692A (en) * | 2018-10-31 | 2019-03-15 | 厦门市七星通联科技有限公司 | It is a kind of based on the anti-auditing system of task by stages cheated and method |
| CN109711973A (en) * | 2018-11-09 | 2019-05-03 | 深圳壹账通智能科技有限公司 | Methods of risk assessment and device, storage medium, computer equipment |
| CN109725884A (en) * | 2018-02-28 | 2019-05-07 | 平安好房（上海）电子商务有限公司 | Air control ' In System Reconfiguration Method, device, equipment and readable storage medium storing program for executing |
| CN109767317A (en) * | 2018-12-15 | 2019-05-17 | 深圳壹账通智能科技有限公司 | Loan checking method, device, equipment and medium based on membership grade evaluation |
| CN109816510A (en) * | 2018-12-14 | 2019-05-28 | 深圳壹账通智能科技有限公司 | Risk control method and device, storage medium, computer equipment |
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| CN112529429A (en) * | 2020-12-16 | 2021-03-19 | 平安科技（深圳）有限公司 | Customer information checking method and device, computer equipment and storage medium |
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| CN113596844A (en) * | 2021-07-29 | 2021-11-02 | 恒安嘉新（北京）科技股份公司 | Early warning method, device, medium and electronic equipment based on data information |
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