CN109041050B - User credit investigation method, device, equipment and readable storage medium - Google Patents
User credit investigation method, device, equipment and readable storage medium Download PDFInfo
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- CN109041050B CN109041050B CN201810871578.2A CN201810871578A CN109041050B CN 109041050 B CN109041050 B CN 109041050B CN 201810871578 A CN201810871578 A CN 201810871578A CN 109041050 B CN109041050 B CN 109041050B
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/12—Detection or prevention of fraud
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W8/00—Network data management
- H04W8/18—Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data
Abstract
The invention provides a user credit investigation method, a device, equipment and a readable storage medium. The method of the invention obtains the use information of all SIM cards of enterprise users; calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels; if the credit investigation level of the enterprise user is poor, warning processing is carried out on the enterprise user, the credit investigation level of the enterprise user with abnormal use conditions of most SIM cards such as a bankcard or an illegal resale card can be marked as poor, warning processing is carried out on the enterprise user with the poor credit investigation level, and when the enterprise user applies for purchasing the SIM cards in batch, related technical personnel is prompted to carry out further examination on the enterprise user, so that the enterprise user is prevented from reselling the 'enterprise SIM card' to an individual user, the number of the individual users can be reduced, and the occurrence of criminal activities such as network fraud implementation, telecommunication fraud and the like of the individual user can be reduced.
Description
Technical Field
The present invention relates to the field of communications technologies, and in particular, to a method, an apparatus, a device, and a readable storage medium for user credit investigation.
Background
Due to the particularity of the users of the internet of things, operators aim at more enterprise users. The business volume of enterprise users is large, the number of the SIM cards purchased each time is large, and compared with individual users, the package amount made by an operator for the enterprise users is large, and the price is low. Some enterprise users with poor credit on the market sell the purchased SIM card to individual users for a second time.
However, since the SIM card sold to the enterprise user (referred to as "enterprise SIM card") has no personal real name registration, some bad enterprise users sell the purchased "enterprise SIM card" to the individual users, so that some individual users may avoid the real name system and implement criminal activities such as network fraud, telecommunication fraud, etc.
Disclosure of Invention
The invention provides a user credit investigation method, a device, equipment and a readable storage medium, which are used for solving the problem that some bad enterprise users sell purchased 'enterprise SIM cards' to individual users, so that some individual users avoid criminal activities such as real name system, network fraud, telecommunication fraud and the like.
One aspect of the present invention provides a method for user credit investigation, including:
acquiring the use information of all SIM cards of an enterprise user;
calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise a good credit, a good credit and a bad credit;
and if the credit investigation level of the enterprise user is poor, performing warning processing on the enterprise user.
Another aspect of the present invention provides a user credit investigation device, including:
the acquisition module is used for acquiring the use information of all SIM cards of the enterprise user;
the credit investigation calculation module is used for calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise a good level, a good level and a bad level;
and the processing module is used for carrying out warning processing on the enterprise user if the credit investigation level of the enterprise user is poor.
Another aspect of the present invention provides a user credit investigation device, including:
a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the method described above when executing the computer program.
Another aspect of the invention is to provide a computer-readable storage medium, in which a computer program is stored, which computer program, when being executed by a processor, is adapted to carry out the method as described above.
According to the user credit investigation method, the device, the equipment and the readable storage medium, the use information of all SIM cards of enterprise users is obtained; calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels; if the credit investigation level of the enterprise user is poor, warning processing is carried out on the enterprise user, the credit investigation level of the enterprise user with abnormal use conditions of most SIM cards such as a bankcard or an illegal resale card can be marked as poor, warning processing is carried out on the enterprise user with the poor credit investigation level, when the enterprise user applies for purchasing the SIM cards in batch, related technical personnel can be prompted to further examine the enterprise user, the enterprise user can be prevented from resale the enterprise SIM card to the individual user, the fact name system can be avoided for the individual user, and therefore the occurrence of criminal activities such as network fraud, telecommunication fraud and the like of the individual user can be reduced to a certain extent.
Drawings
Fig. 1 is a flowchart of a user credit investigation method according to an embodiment of the present invention;
fig. 2 is a flowchart of a user credit investigation method according to a second embodiment of the present invention;
fig. 3 is a schematic structural diagram of a user credit investigation device according to a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of a user credit investigation device according to a fifth embodiment of the present invention.
With the above figures, certain embodiments of the invention have been illustrated and described in more detail below. The drawings and the description are not intended to limit the scope of the inventive concept in any way, but rather to illustrate it by those skilled in the art with reference to specific embodiments.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present invention. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the invention, as detailed in the appended claims.
The terms "first", "second", etc. referred to in the present invention are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. In the description of the following examples, "plurality" means two or more unless specifically limited otherwise.
The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present invention will be described below with reference to the accompanying drawings.
Example one
Fig. 1 is a flowchart of a user credit investigation method according to an embodiment of the present invention. The embodiment of the invention provides a user credit investigation method aiming at the problem that some bad enterprise users sell purchased 'enterprise SIM cards' to individual users, so that some individual users avoid criminal activities such as real-name system, network fraud, telecommunication fraud and the like. The method provided by the embodiment of the invention can be applied to terminal equipment, the terminal equipment can be used as a server terminal to process the request of an enterprise user for purchasing the SIM card, in other embodiments, the method can also be applied to other equipment, and the embodiment takes the terminal equipment as an example for schematic illustration. As shown in fig. 1, the method comprises the following specific steps:
and step S101, obtaining the use information of all SIM cards of the enterprise user.
In this embodiment, the SIM card of the enterprise user refers to the SIM card that the enterprise user has purchased.
The using information of the SIM card at least comprises the service package information of the SIM card and the usage information of each month. The usage information may include usage of services such as short messages, voice, traffic, and the like.
Optionally, a big data technology may be adopted to obtain the use information of the SIM card in real time from the service system of the internet of things, or obtain the use information of the SIM card every preset time; and storing the acquired information into the HDFS, and subsequently determining credit investigation level of the enterprise user through spark and other data mining technologies. The preset time may be one day, several hours, or several days, and may be set by a technician according to actual needs, which is not specifically limited in this embodiment.
And S102, calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels.
According to the use information of all the SIM cards of the enterprise users, the SIM cards with abnormal use conditions of the SIM cards can be used as suspicious cards, and the credit investigation level of the enterprise users is set according to the proportion of the suspicious cards in the SIM cards of the enterprise users. And when the proportion of suspicious cards in the SIM cards of the enterprise users reaches a certain amount, the enterprise users are the enterprise users who take the cards or illegally resale the cards.
For example, the SIM cards whose usage amounts are all zero within 6 months from the date of card opening and the service packages used are the cheapest service packages may be taken as suspect cards; or, the SIM card with the usage amount exceeding the average usage amount of the SIM card of the industry of the enterprise user by more than 30% in the last month is taken as the suspicious card, and the like.
And step S103, if the credit investigation level of the enterprise user is poor, performing warning processing on the enterprise user.
Optionally, the warning processing may be performed on the enterprise user, and when it is determined that the credit investigation level of the enterprise user is poor, warning information may be sent in real time, so that a relevant technician is prompted to review the enterprise user.
Optionally, the enterprise user is subjected to warning processing, or the enterprise user may be marked, and when the enterprise user applies for purchasing a new SIM card, warning information is sent out to prompt related technical personnel to review the enterprise user, so as to prevent selling an SIM card that does not need real-name authentication to a bad enterprise user.
The embodiment of the invention obtains the use information of all SIM cards of enterprise users; calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels; if the credit investigation level of the enterprise user is poor, warning processing is carried out on the enterprise user, the credit investigation level of the enterprise user with abnormal use conditions of most SIM cards such as a bankcard or an illegal resale card can be marked as poor, warning processing is carried out on the enterprise user with the poor credit investigation level, when the enterprise user applies for purchasing the SIM cards in batch, related technical personnel can be prompted to further examine the enterprise user, the enterprise user can be prevented from resale the enterprise SIM card to the individual user, the fact name system can be avoided for the individual user, and therefore the occurrence of criminal activities such as network fraud, telecommunication fraud and the like of the individual user can be reduced to a certain extent.
Example two
Fig. 2 is a flowchart of a user credit investigation method according to a second embodiment of the present invention. On the basis of the first embodiment, in this embodiment, if the credit investigation level of the enterprise user is poor, performing warning processing on the enterprise user includes: when a request of an enterprise user for purchasing an SIM card is received, judging whether the credit investigation level of the enterprise user is poor; and if the credit investigation level of the enterprise user is poor, sending out warning information. As shown in fig. 2, the method comprises the following specific steps:
step S201, obtaining the use information of all SIM cards of the enterprise user.
In this embodiment, the SIM card of the enterprise user refers to the SIM card that the enterprise user has purchased.
The using information of the SIM card at least comprises the service package information of the SIM card and the usage information of each month. The usage information may include usage of services such as short messages, voice, traffic, and the like.
Optionally, a big data technology may be adopted to obtain the use information of the SIM card in real time from the service system of the internet of things, or obtain the use information of the SIM card every preset time; and storing the acquired information into the HDFS, and subsequently determining credit investigation level of the enterprise user through spark and other data mining technologies. The preset time may be one day, several hours, or several days, and may be set by a technician according to actual needs, which is not specifically limited in this embodiment.
Step S202, calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels.
In this embodiment, the credit investigation level of the enterprise user is calculated according to the usage information of all the SIM cards of the enterprise user, which may specifically be implemented in the following manner:
calculating the proportion of a first class of suspicious cards in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users, wherein the use information of the SIM cards comprises service package information and monthly use information, and the first class of suspicious cards refer to the SIM cards of which the monthly use information is zero and the price of the service package is lower than the preset price within a first preset time period; and if the proportion of the first type of suspicious card is greater than a first preset proportion, setting the credit investigation level of the enterprise user as a difference.
Specifically, the number of the first class of suspicious cards in the SIM cards of the enterprise user can be determined according to the usage information of all the SIM cards of the enterprise user, and the proportion of the first class of suspicious cards in the SIM cards of the enterprise user can be calculated according to the number of all the SIM cards of the enterprise user and the number of the first class of suspicious cards.
The first type of suspicious card is an SIM card, the usage information of each month in a first preset time period is zero, and the price of the service package is lower than a preset price; that is, the first type suspicious card is unused for a first preset time period after the enterprise user purchases, and the price of the business package is low, and the first type suspicious card can be regarded as the SIM card accumulated by the enterprise user.
The preset price may be a price between a price of a service package with a lowest price and a price of a service package with a second lowest price among currently available service packages, and at this time, the first type of suspicious card refers to a price of a service package in which usage information of each month is zero and the price of the service package is cheap in a first preset time period. The preset price may be set and changed by a technician according to actual needs, and the embodiment is not specifically limited herein.
The first preset time period may be 6 months from the date of card opening, and the first preset time period may be set and changed by a technician according to actual needs, and the embodiment is not specifically limited herein.
The first preset ratio may be 50%, 55%, or 60%, etc., and the first preset ratio may be set and changed by a technician according to actual needs, and the embodiment is not specifically limited herein.
For example, the SIM card in which the usage of services such as short messages, voice, and traffic is zero every month from the date of card opening in the SIM cards of the enterprise users for 6 months, and the currently used service package is the cheapest service package may be marked as the first type suspicious card. Further, if the percentage of the first class of suspicious cards in the SIM cards of the enterprise user is more than 50%, it indicates that the enterprise user accumulates a large number of unused SIM cards, and the credit investigation level of the enterprise user is set to be poor.
Optionally, calculating credit investigation level of the enterprise user according to the usage information of all SIM cards of the enterprise user, and may further include:
acquiring the monthly average usage amount of the SIM card in the industry to which the enterprise user belongs; calculating the proportion of a second type of suspicious card in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users and the monthly average usage of the SIM cards in the industry to which the enterprise users belong, wherein the use information of the SIM cards comprises the usage information of each month, and the second type of suspicious card is the SIM card of which the monthly average usage exceeds the monthly average usage of the SIM cards in the industry to which the enterprise users belong, and the value of the monthly average usage is larger than a preset threshold; and if the proportion of the second type of suspicious cards is greater than a second preset proportion, setting the credit investigation level of the enterprise user as a difference.
The average monthly usage amount of the SIM cards in the industry to which the enterprise user belongs is the average monthly usage amount of the SIM cards with the number larger than the first number in the industry to which the enterprise user belongs; or, the average monthly usage amount of the SIM cards in the industry to which the enterprise user belongs refers to an average of the average monthly usage amounts of all the SIM cards in the industry to which the enterprise user belongs. Wherein the first number can be set by a skilled person according to actual needs.
Specifically, the monthly average usage amount of the SIM card in the industry to which the enterprise user belongs may be obtained specifically by the following method:
the industry to which the enterprise user belongs can be determined according to the attribute information reserved during registration of the enterprise user or according to the related attribute information of the SIM card of the enterprise user; by adopting a big data technology, the use information of a large number of SIM cards in the industry of the enterprise user can be obtained, and the monthly average use amount of the SIM cards in the industry of the enterprise user is calculated.
Optionally, after calculating the proportion of the second type of suspicious card in the SIM card of the enterprise user, if the proportion of the second type of suspicious card is greater than a second preset proportion, the enterprise user may be marked as a suspicious enterprise; according to the characteristics of enterprise users in different industries, the differences between the enterprise user and other enterprise users in the same industry are compared by utilizing the characteristics of position information, URL information and the like; and if the characteristics of the enterprise user exceeding the fifth preset proportion are different from those of other enterprise users in the same industry, setting the credit investigation level of the enterprise user to be poor. The fifth preset ratio may be 50%, 55%, or 60%, etc., and the fifth preset ratio may be set and changed by a technician according to actual needs, which is not specifically limited in this embodiment
The second type of suspicious card is an SIM card of which the value of the average monthly usage exceeds the average monthly usage of the SIM card in the industry to which the enterprise user belongs and is larger than a preset threshold value; that is, the monthly average usage of the second type of suspect card is much greater than the monthly average usage of SIM cards in the same industry,
the second preset ratio may be 30%, 35%, 25%, or the like, and the second preset ratio may be set and changed by a technician according to actual needs, and the embodiment is not specifically limited herein.
Optionally, calculating credit investigation level of the enterprise user according to the usage information of all SIM cards of the enterprise user, and may further include:
calculating the proportion of active cards in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users, wherein the active cards refer to the SIM cards with the use amount information not equal to zero in a second preset time period; if the proportion of the active cards is greater than or equal to a third preset proportion and the proportion of the active cards is less than a fourth preset proportion, setting the credit investigation level of the enterprise user to be good; and if the proportion of the active cards is greater than or equal to the fourth preset proportion, setting the credit investigation level of the enterprise user as the optimum.
Optionally, after calculating the proportion of active cards in the SIM cards of the enterprise users, the credit investigation level of the enterprise users whose proportion of active cards is greater than or equal to a third preset proportion may be set to be good; and setting the credit investigation level of the enterprise users with the proportion of the active cards larger than or equal to a fourth preset proportion as an optimal value.
Optionally, if the proportion of the active cards is greater than or equal to a fourth preset proportion, an Average income Per User (ARPU) value of the total monthly consumption of the enterprise User and an Average income Per User of the total monthly consumption of the industry to which the enterprise User belongs may be obtained, and if the Average income Per User of the total monthly consumption of the enterprise User exceeds the Average income Per User of the total monthly consumption of the industry to which the enterprise User belongs, the credit investigation level of the enterprise User is set to be superior.
The second preset time period may be the last month, the last two weeks, the last several months, and the like, and the second preset time period may be set and changed by a technician according to actual needs, which is not specifically limited in this embodiment.
The third preset ratio may be 80%, 85%, or 90%, etc., and the third preset ratio may be set and changed by a technician according to actual needs, and the embodiment is not specifically limited herein.
The fourth preset proportion is greater than the third preset proportion. The fourth preset proportion may be 95%, etc., and the fourth preset proportion may be set and changed by a technician according to actual needs, and the embodiment is not specifically limited herein.
In this embodiment, a detailed process of calculating credit investigation levels of enterprise users is exemplarily described by taking one or more enterprise users as target objects. In other embodiments of the present invention, the first class of suspicious card or the second class of suspicious card may be searched based on a big data calculation method, and further, the enterprise user to which the first class of suspicious card or the second class of suspicious card belongs may be determined, so that the enterprise user to which the first class of suspicious card or the second class of suspicious card belongs may be used as a target object, and the credit investigation level of the target object is determined by the method provided in this embodiment.
In addition, in this embodiment, the credit investigation levels of the enterprise users can be further subdivided into three credit investigation levels, namely, good credit investigation level and bad credit investigation level.
Step S203, when the request of purchasing the SIM card of the enterprise user is received, judging whether the credit investigation level of the enterprise user is poor.
When applying for purchasing a new SIM card, the enterprise user sends a request for purchasing the SIM card to the terminal equipment. When the terminal equipment receives a request of purchasing an SIM card of an enterprise user, whether the credit investigation level of the enterprise user is poor is preferably judged.
If the credit investigation level of the enterprise user is poor, step S204 is executed to send out warning information to prompt relevant technicians to further review the enterprise user so as to prevent the SIM card from being sold to the enterprise user who finds out the credit investigation.
If the credit investigation level of the enterprise user is not poor, the existing process can be adopted to process the SIM card purchasing request of the enterprise user.
And step S204, if the credit investigation level of the enterprise user is poor, sending out warning information.
The warning information is used for prompting that the credit investigation level of the current enterprise user is poor so as to prompt related technical personnel to further examine the enterprise user and prevent the SIM card from being sold to the enterprise user with the poor credit investigation.
The embodiment of the invention obtains the use information of all SIM cards of enterprise users; calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels; if the credit investigation level of the enterprise user is poor, warning processing is carried out on the enterprise user, the credit investigation level of the enterprise user with abnormal use conditions of most SIM cards such as a bankcard or an illegal resale card can be marked as poor, warning processing is carried out on the enterprise user with the poor credit investigation level, when the enterprise user applies for purchasing the SIM cards in batch, related technical personnel can be prompted to further examine the enterprise user, the enterprise user can be prevented from reselling the 'enterprise SIM card' to an individual user, the fact that the individual user carries out criminal activities such as network fraud, telecommunication fraud and the like can be reduced to a certain extent.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a user credit investigation device according to a third embodiment of the present invention. The user credit investigation device provided by the embodiment of the invention can execute the processing flow provided by the user credit investigation method embodiment. As shown in fig. 3, the apparatus 30 includes: the system comprises an acquisition module 301, a credit investigation calculation module 302 and a processing module 303.
Specifically, the obtaining module 301 is configured to obtain usage information of all SIM cards of the enterprise user.
The credit investigation calculation module 302 is used for calculating credit investigation levels of the enterprise users according to the use information of all the SIM cards of the enterprise users, wherein the credit investigation levels at least comprise excellent, good and poor.
The processing module 303 is configured to perform warning processing for the enterprise user if the credit investigation level of the enterprise user is poor.
The apparatus provided in the embodiment of the present invention may be specifically configured to execute the method embodiment provided in the first embodiment, and specific functions are not described herein again.
The embodiment of the invention obtains the use information of all SIM cards of enterprise users; calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels; if the credit investigation level of the enterprise user is poor, warning processing is carried out on the enterprise user, the credit investigation level of the enterprise user with abnormal use conditions of most SIM cards such as a bankcard or an illegal resale card can be marked as poor, warning processing is carried out on the enterprise user with the poor credit investigation level, when the enterprise user applies for purchasing the SIM cards in batch, related technical personnel can be prompted to further examine the enterprise user, the enterprise user can be prevented from resale the enterprise SIM card to the individual user, the fact name system can be avoided for the individual user, and therefore the occurrence of criminal activities such as network fraud, telecommunication fraud and the like of the individual user can be reduced to a certain extent.
Example four
On the basis of the third embodiment, in this embodiment, the processing module is further configured to:
when a request of an enterprise user for purchasing an SIM card is received, judging whether the credit investigation level of the enterprise user is poor; and if the credit investigation level of the enterprise user is poor, sending out warning information.
Optionally, the credit investigation calculation module is further configured to:
calculating the proportion of a first class of suspicious cards in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users, wherein the use information of the SIM cards comprises service package information and monthly use information, and the first class of suspicious cards refer to the SIM cards of which the monthly use information is zero and the price of the service package is lower than the preset price within a first preset time period; and if the proportion of the first type of suspicious card is greater than a first preset proportion, setting the credit investigation level of the enterprise user as a difference.
Optionally, the credit investigation calculation module is further configured to:
acquiring the monthly average usage amount of the SIM card in the industry to which the enterprise user belongs; calculating the proportion of a second type of suspicious card in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users and the monthly average usage of the SIM cards in the industry to which the enterprise users belong, wherein the use information of the SIM cards comprises the usage information of each month, and the second type of suspicious card is the SIM card of which the monthly average usage exceeds the monthly average usage of the SIM cards in the industry to which the enterprise users belong, and the value of the monthly average usage is larger than a preset threshold; and if the proportion of the second type of suspicious cards is greater than a second preset proportion, setting the credit investigation level of the enterprise user as a difference.
Optionally, the credit investigation calculation module is further configured to:
calculating the proportion of active cards in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users, wherein the active cards refer to the SIM cards with the use amount information not equal to zero in a second preset time period; if the proportion of the active cards is greater than or equal to a third preset proportion and the proportion of the active cards is less than a fourth preset proportion, setting the credit investigation level of the enterprise user to be good; and if the proportion of the active cards is greater than or equal to a fourth preset proportion, setting the credit investigation level of the enterprise user as the optimal proportion, wherein the fourth preset proportion is greater than the third preset proportion.
The apparatus provided in the embodiment of the present invention may be specifically configured to execute the method embodiment provided in the second embodiment, and specific functions are not described herein again.
The embodiment of the invention obtains the use information of all SIM cards of enterprise users; calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels; if the credit investigation level of the enterprise user is poor, warning processing is carried out on the enterprise user, the credit investigation level of the enterprise user with abnormal use conditions of most SIM cards such as a bankcard or an illegal resale card can be marked as poor, warning processing is carried out on the enterprise user with the poor credit investigation level, when the enterprise user applies for purchasing the SIM cards in batch, related technical personnel can be prompted to further examine the enterprise user, the enterprise user can be prevented from reselling the 'enterprise SIM card' to an individual user, the fact that the individual user carries out criminal activities such as network fraud, telecommunication fraud and the like can be reduced to a certain extent.
EXAMPLE five
Fig. 4 is a schematic structural diagram of a user credit investigation device according to a fifth embodiment of the present invention. As shown in fig. 4, the user credit investigation equipment 40 includes: a processor 401, a memory 402, and computer programs stored on the memory 402 and executable by the processor 401.
The processor 401, when executing the computer program stored on the memory 402, implements the method provided by any of the method embodiments described above.
The embodiment of the invention obtains the use information of all SIM cards of enterprise users; calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise excellent credit investigation levels, good credit investigation levels and poor credit investigation levels; if the credit investigation level of the enterprise user is poor, warning processing is carried out on the enterprise user, the credit investigation level of the enterprise user with abnormal use conditions of most SIM cards such as a bankcard or an illegal resale card can be marked as poor, warning processing is carried out on the enterprise user with the poor credit investigation level, when the enterprise user applies for purchasing the SIM cards in batch, related technical personnel can be prompted to further examine the enterprise user, the enterprise user can be prevented from resale the enterprise SIM card to the individual user, the fact name system can be avoided for the individual user, and therefore the occurrence of criminal activities such as network fraud, telecommunication fraud and the like of the individual user can be reduced to a certain extent.
In addition, an embodiment of the present invention further provides a computer-readable storage medium, in which a computer program is stored, and when the computer program is executed by a processor, the computer program implements the method provided in any of the above method embodiments.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.
The integrated unit implemented in the form of a software functional unit may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute some steps of the methods according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
It is obvious to those skilled in the art that, for convenience and simplicity of description, the foregoing division of the functional modules is merely used as an example, and in practical applications, the above function distribution may be performed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to perform all or part of the above described functions. For the specific working process of the device described above, reference may be made to the corresponding process in the foregoing method embodiment, which is not described herein again.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.
Claims (8)
1. A method for user credit investigation, comprising:
acquiring the use information of all SIM cards of an enterprise user;
calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise a good credit, a good credit and a bad credit;
if the credit investigation level of the enterprise user is poor, warning processing is carried out on the enterprise user;
the calculating the credit investigation level of the enterprise user according to the use information of all SIM cards of the enterprise user comprises the following steps:
acquiring the monthly average usage amount of the SIM card in the industry to which the enterprise user belongs;
calculating the proportion of a second suspicious card in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users and the monthly average use amount of the SIM cards in the industry to which the enterprise users belong, wherein the use information of the SIM cards comprises the use amount information of each month, and the second suspicious card is the SIM card of which the monthly average use amount exceeds the monthly average use amount of the SIM cards in the industry to which the enterprise users belong, and the value of the monthly average use amount is larger than a preset threshold value;
and if the proportion of the second type of suspicious card is greater than a second preset proportion, setting the credit investigation level of the enterprise user as poor.
2. The method of claim 1, wherein the alerting the enterprise user if the credit assessment level of the enterprise user is poor comprises:
when a request of purchasing an SIM card of the enterprise user is received, judging whether the credit investigation level of the enterprise user is poor;
and if the credit investigation level of the enterprise user is poor, sending out warning information.
3. The method of claim 1, wherein the calculating the credit investigation level of the enterprise user according to the usage information of all the SIM cards of the enterprise user comprises:
calculating the proportion of active cards in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users, wherein the active cards refer to the SIM cards with the use amount information not equal to zero in a second preset time period;
if the proportion of the active cards is greater than or equal to a third preset proportion and the proportion of the active cards is smaller than a fourth preset proportion, setting the credit investigation level of the enterprise user to be good;
and if the proportion of the active cards is greater than or equal to the fourth preset proportion, setting the credit investigation level of the enterprise user as the optimal proportion, wherein the fourth preset proportion is greater than the third preset proportion.
4. A user credit investigation device, comprising:
the acquisition module is used for acquiring the use information of all SIM cards of the enterprise user;
the credit investigation calculation module is used for calculating credit investigation levels of the enterprise user according to the use information of all SIM cards of the enterprise user, wherein the credit investigation levels at least comprise a good level, a good level and a bad level;
the processing module is used for carrying out warning processing on the enterprise user if the credit investigation level of the enterprise user is poor;
the credit investigation calculation module is specifically used for acquiring the monthly average usage amount of the SIM card in the industry to which the enterprise user belongs; calculating the proportion of a second suspicious card in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users and the monthly average use amount of the SIM cards in the industry to which the enterprise users belong, wherein the use information of the SIM cards comprises the use amount information of each month, and the second suspicious card is the SIM card of which the monthly average use amount exceeds the monthly average use amount of the SIM cards in the industry to which the enterprise users belong, and the value of the monthly average use amount is larger than a preset threshold value;
and if the proportion of the second type of suspicious card is greater than a second preset proportion, setting the credit investigation level of the enterprise user as poor.
5. The apparatus of claim 4, wherein the processing module is further configured to:
when a request of purchasing an SIM card of the enterprise user is received, judging whether the credit investigation level of the enterprise user is poor;
and if the credit investigation level of the enterprise user is poor, sending out warning information.
6. The apparatus of claim 4, wherein the credit calculation module is further configured to:
calculating the proportion of active cards in the SIM cards of the enterprise users according to the use information of all the SIM cards of the enterprise users, wherein the active cards refer to the SIM cards with the use amount information not equal to zero in a second preset time period;
if the proportion of the active cards is greater than or equal to a third preset proportion and the proportion of the active cards is smaller than a fourth preset proportion, setting the credit investigation level of the enterprise user to be good;
and if the proportion of the active cards is greater than or equal to the fourth preset proportion, setting the credit investigation level of the enterprise user as the optimal proportion, wherein the fourth preset proportion is greater than the third preset proportion.
7. A user credit investigation device, comprising:
a memory, a processor, and a computer program stored on the memory and executable on the processor,
the processor, when executing the computer program, implements the method of any of claims 1-3.
8. A computer-readable storage medium, in which a computer program is stored,
the computer program, when executed by a processor, implementing the method of any one of claims 1-3.
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