CN109214617A - A kind of internet financial risks qualitative assessment auditing system - Google Patents
A kind of internet financial risks qualitative assessment auditing system Download PDFInfo
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- CN109214617A CN109214617A CN201710515955.4A CN201710515955A CN109214617A CN 109214617 A CN109214617 A CN 109214617A CN 201710515955 A CN201710515955 A CN 201710515955A CN 109214617 A CN109214617 A CN 109214617A
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Abstract
The present invention provides in a kind of internet financial risks qualitative assessment auditing system, including the preceding auditing module of loan, loan and checks monitoring module after module and loan.The present invention has the beneficial effect that effective quantifying risk assessment audit can be carried out to targeted internet financial platform.
Description
Technical field
The present invention relates to internet financial technology fields, are quantitatively evaluated more particularly, to a kind of internet financial risks
Auditing system.
Background technique
Currently, the new industry combined with Internet technology also shows fastly with the development of network technology and universal
Fast momentum of development, the internet financial development especially occurred in recent years are even more rapid.Various internets finance along with this
Platform and internet financial system are also come into being, and are flourished.As the internet P2P financial platform, crowd raise financial platform, electric business
Small loan internet financial platform, supply chain finance internet financial platform etc., these platforms for optimize allocation of financial resource,
Allocation Efficiency is improved, solves the problems, such as that medium and small micro- Corporate finance is difficult, expensive and middle and low income casual household Asset Allocation problem of financing
All play certain positive effect.
But still, we can also recognize awakely, and loan creates income, and loan also brings risk.When occur not
When sharp situation, loan can be lost；Usually infrequent adverse events, that is, small probability event more holds once occurring
Easily cause big loss.Even if controlling the generation of loss as far as possible by design and with air controls measures such as guarantee, account controls,
But impossible to guard against, rough sledding at least will appear a certain amount of loss once occurring.Rapid Expansion, the gold for lacking professional ability
Melt business assessment audit system and form numerous risk assets in internet financial industry, due in internet financial platform
The phenomenon that control, audit system are lack of standardization, very different in the internet financial product of online spending, adulterate happens occasionally,
Discrimination knowledge of the common individual investor due to lacking profession, the internet financial product for being often concealed packaging are confused, from
And cause the loss of property.
In addition there are rubbish registration, identity to falsely use, the scenes such as abnormal of trading by the user at fund end, and at assets end, debt-credit is deposited
In bad debt-credit, credit deterioration, the not congruent scene of overdue information, there is marketing fraud, junk information, data in platform operation
The scenes such as crawl.Breakthrough industry is comfortable to be needed to innovate, and the space for needing to be won long-run development with the behave of system norms, this is just needed
The problem of carrying out legal compliance audit to internet financial business, eliminate information asymmetry, improve Allocation Efficiency.
Summary of the invention
The present invention in order to overcome the problems referred above or at least is partially solved the above problem, provides a kind of internet financial risks
Auditing system is quantitatively evaluated.
According to an aspect of the present invention, a kind of internet financial platform resource integration system is provided, comprising:
Including monitoring module after checking module in the preceding auditing module of loan, loan and borrow:
Auditing module before the loan utilizes big number for loan application link based on the interpersonal relationship of internet finance
According to technology, application material, bad credit record and multi-platform creditor-debtor entry information are integrated, effectively identify clique fraud and
Risk behavior is acted on behalf by mechanism；
Module is checked in the loan, based on the interpersonal relationship of internet finance, is not put for completion loan application but also
The review link of money, so that credit agency obtains borrower newly-increased bad credit record and multi-platform Shen after loan application
Please/liability information；Simultaneously by the anti-fraud model of dynamic on line, again identify that risk is acted on behalf in clique's fraud and mechanism；
Monitoring module after the loan, based on the interpersonal relationship of internet finance, for post-loan management link, for credit machine
Structure, by scanning the newly-increased risk of borrower, such as other platform loan applications, other platforms are overdue, law court breaks one's promise record, law court
Execute record, loans for supporting students are overdue, cell-phone number is deactivated, user often with address change and work address change, for credit agency
The information change of dynamic monitoring borrower, has found that it is likely that be unfavorable for the problem of loan is given back on time in time, and adjust and urge accordingly
Receive strategy.
Further, further includes:
Personal essential information verifies plate, for including analyzing credit machine from identity card, cell-phone number and the multiple dimensions of mailbox
The personal essential information that structure is submitted, the format exception and risk of discovery identity card, cell-phone number, mailbox.
Further, further includes:
Flame scans plate, is based on risk list big data, complete from the identity card of applicant, cell-phone number, mailbox, QQ
Whether orientation matching screens borrower once in public security organ, law court, bank, operator, school, credit agency and consumption gold
It is blend-out to show bad credit record, so that mechanism filters out high-quality target group.
Further, further includes:
Multi-platform debt detection plate can be screened effectively using internet cross industry groupcontrol mechanism in multiple platforms
It asks for a loan application or the High risk group borrowed money.
Further, further includes:
Identification clique cheats loan plate, advanced device-fingerprint technology, address matching technology and the dynamic being equipped with by system
Model is cheated, the mining analysis from a large amount of loan application materials is found out in the presence of the clique of mechanism of risk of cheating loan, and is reduced due in black
It is situated between or the clique that maliciously cheats loan causes economic loss.
Further, further includes:
Identification clique cheats loan plate, using fingerprint technique, address matching technology and dynamic fraud model, from loan application material
Mining analysis in material finds out the clique of mechanism in the presence of risk of cheating loan.
Further, further includes:
Credit deterioration monitors plate, and the borrower on current platform new overdue, lost contact, method is occurring with other platforms
When restraining economic dispute, early warning can be carried out to client in time.
Further, further includes:
It is repeatedly borrowed during refund in other platforms by means of newly also old monitoring plate as the borrower on customer platform
Application is borrowed, early warning can be carried out to client in time, customer platform need to reappraise the loan repayment capacity of borrower, increase to borrower's
Collection attention rate.
Further, further includes:
Guarantee to borrow preceding auditing module, loan by fingerprint equipment, agency's detection, address matching and geographical location identification technology
The safe operation of monitoring module after middle check module and loan.
Further,
The fingerprint equipment, establishes a globally unique device id Accurate Analysis and goes out one and set for each operation equipment
The operation behavior of standby upper all users, finds the association situation between multi-user, gradually depicts out the row of a user agent
For track；
Agency's detection, for promptly and accurately identifying whether active user uses proxy access website, while can obtain
Hide the real IP address after proxy server；
The address matching, the address risk list on real-time update line utilize address in conjunction with address risk list data
Fuzzy matching algorithm precisely matches home address, household register address and other kinds address, and mechanism is helped to find user
Submit the history record of bad behavior of address category information；
Geographical location identification, the geographical location letter including IP, base station, wifi, identity card, cell-phone number and bank card various dimensions
Breath, can be with the geographical location of the positioning web visitor of fast accurate, including city, longitude and latitude and network by geographical location library
Type information takes precautions against location-based fraud based on various dimensions cross validation.
The application proposes that a kind of internet financial risks is quantitatively evaluated checking method and system, scheme of the present invention and has
Enable to the beneficial effect that audit internet financial platform risk is quantitatively evaluated.
Detailed description of the invention
A kind of Fig. 1 general frame that auditing system is quantitatively evaluated in internet financial risks according to embodiments of the present invention is illustrated
Figure.
Specific embodiment
With reference to the accompanying drawings and examples, specific embodiments of the present invention will be described in further detail.Implement below
Example is not intended to limit the scope of the invention for illustrating the present invention.
Such as Fig. 1, in a specific embodiment of the invention, a kind of internet financial risks is shown, auditing system is quantitatively evaluated
General frame schematic diagram.Generally, monitoring module after including checking module in the preceding auditing module of loan, loan and borrow:
Auditing module before the loan utilizes big number for loan application link based on the interpersonal relationship of internet finance
According to technology, application material, bad credit record and multi-platform creditor-debtor entry information are integrated, effectively identify clique fraud and
Risk behavior is acted on behalf by mechanism；
Module is checked in the loan, based on the interpersonal relationship of internet finance, is not put for completion loan application but also
The review link of money, so that credit agency obtains borrower newly-increased bad credit record and multi-platform Shen after loan application
Please/liability information；Simultaneously by the anti-fraud model of dynamic on line, again identify that risk is acted on behalf in clique's fraud and mechanism；
Monitoring module after the loan, based on the interpersonal relationship of internet finance, for post-loan management link, for credit machine
Structure, by scanning the newly-increased risk of borrower, such as other platform loan applications, other platforms are overdue, law court breaks one's promise record, law court
Execute record, loans for supporting students are overdue, cell-phone number is deactivated, user often with address change and work address change, for credit agency
The information change of dynamic monitoring borrower, has found that it is likely that be unfavorable for the problem of loan is given back on time in time, and adjust and urge accordingly
Receive strategy.
On the basis of above-mentioned any specific embodiment of the invention, further includes:
Personal essential information verifies plate, for including analyzing credit machine from identity card, cell-phone number and the multiple dimensions of mailbox
The personal essential information that structure is submitted, the format exception and risk of discovery identity card, cell-phone number, mailbox.
On the basis of above-mentioned any specific embodiment of the invention, further includes:
Flame scans plate, is based on risk list big data, complete from the identity card of applicant, cell-phone number, mailbox, QQ
Whether orientation matching screens borrower once in public security organ, law court, bank, operator, school, credit agency and consumption gold
It is blend-out to show bad credit record, so that mechanism filters out high-quality target group.
On the basis of above-mentioned any specific embodiment of the invention, further includes:
Multi-platform debt detection plate can be screened effectively using internet cross industry groupcontrol mechanism in multiple platforms
It asks for a loan application or the High risk group borrowed money.
On the basis of above-mentioned any specific embodiment of the invention, further includes:
Identification clique cheats loan plate, advanced device-fingerprint technology, address matching technology and the dynamic being equipped with by system
Model is cheated, the mining analysis from a large amount of loan application materials is found out in the presence of the clique of mechanism of risk of cheating loan, and is reduced due in black
It is situated between or the clique that maliciously cheats loan causes economic loss.
On the basis of above-mentioned any specific embodiment of the invention, further includes:
Identification clique cheats loan plate, using fingerprint technique, address matching technology and dynamic fraud model, from loan application material
Mining analysis in material finds out the clique of mechanism in the presence of risk of cheating loan.
On the basis of above-mentioned any specific embodiment of the invention, further includes:
Credit deterioration monitors plate, and the borrower on current platform new overdue, lost contact, method is occurring with other platforms
When restraining economic dispute, early warning can be carried out to client in time.
On the basis of above-mentioned any specific embodiment of the invention, further includes:
It is repeatedly borrowed during refund in other platforms by means of newly also old monitoring plate as the borrower on customer platform
Application is borrowed, early warning can be carried out to client in time, customer platform need to reappraise the loan repayment capacity of borrower, increase to borrower's
Collection attention rate.
On the basis of above-mentioned any specific embodiment of the invention, further includes:
Guarantee to borrow preceding auditing module, loan by fingerprint equipment, agency's detection, address matching and geographical location identification technology
The safe operation of monitoring module after middle check module and loan.
On the basis of above-mentioned any specific embodiment of the invention:
The fingerprint equipment, establishes a globally unique device id Accurate Analysis and goes out one and set for each operation equipment
The operation behavior of standby upper all users, finds the association situation between multi-user, gradually depicts out the row of a user agent
For track；
Agency's detection, for promptly and accurately identifying whether active user uses proxy access website, while can obtain
Hide the real IP address after proxy server；
The address matching, the address risk list on real-time update line utilize address in conjunction with address risk list data
Fuzzy matching algorithm precisely matches home address, household register address and other kinds address, and mechanism is helped to find user
Submit the history record of bad behavior of address category information；
Geographical location identification, the geographical location letter including IP, base station, wifi, identity card, cell-phone number and bank card various dimensions
Breath, can be with the geographical location of the positioning web visitor of fast accurate, including city, longitude and latitude and network by geographical location library
Type information takes precautions against location-based fraud based on various dimensions cross validation.
Another specific embodiment according to the present invention, a kind of internet financial risks qualitative assessment auditing system, further
Include:
Specifically, guarantee to borrow former trial by technologies such as fingerprint equipment, agency's detection, address matching, geographical location identifications
The safe operation of monitoring module after checking module in core module, loan and borrowing.
The fingerprint equipment establishes a globally unique device id for the operation equipment of each, in conjunction with powerful
Analysis engine, Accurate Analysis go out the operation behavior of all users in an equipment, find the association situation between multi-user, by
Gradually depict out the action trail of a user agent.The device id is equivalent to the fingerprint of this equipment, no matter this equipment makes
With which kind of browser, which kind of application or where, can the unique identification equipment.By fingerprint equipment, it can be found that more
Association situation between user, gradually depicts out the action trail of a user agent.Pass through fingerprint equipment, it is easier to which discovery is used
The malicious act at family, the user agent and associated all users that accurate tracing and positioning risk generates, finds risk in time, controls
Risk processed reduces loss.Based on equipment dimension, cross-cutting trans-regional risk identification achievees the effect that groupcontrol.Support PC
Equipment and mobile device, plurality of application scenes are able to satisfy.Compared to traditional technology, identification is accurate.When obtaining fingerprint, do not need
User installs any system software or browser plug-in again, and the load time is short, and user's unaware does not influence user experience completely.
Agency's detection is an important component of network fraud detection.Malicious user is operated or is attacked net
When station, often hide oneself real IP address using agent skill group, act on behalf of detection technique and can find this in time
A little risks, accurately identify whether active user uses proxy access website, at the same can obtain hide it is true after proxy server
IP address.In most cases, malicious user or hacker can use agency in order not to allow the real IP address of oneself to expose
Technology hides the real IP address of oneself, to provide dummy location when carrying out malicious operation or attack website and keep away
Open the control in geographical location.Act on behalf of detection technique and can find these risks in time, accurately identify whether active user uses
Proxy access website.Also, acting on behalf of detection technique not is merely detection scanning proxy server, can also obtain and hide in agency service
Real IP address after device.Agency's detection includes active detecting and passive detection two ways, can identify the real IP of user
Address.Agency's detection can accurately detect a variety of agent ways, comprising: HTTP, SSH, SOCKSV4, SOCKSV5, VPN etc., VPN
It again may include PPTP and L2TP.Scanning rapidly, to user access be measured in real time, can accurate recording user access when
Agent Status.It will record Agent IP data, form global Agent IP list library abundant.
Address matching is provided based on magnanimity address similarity algorithm, it includes risk address matching, address various dimensions point
The plates such as analysis, prevention brush list.In conjunction with debt-credit scene, by addressing dimension, facilitate the history record of bad behavior for finding borrower, drop
The lending risk of low mechanism；In conjunction with anti-fraud scene, help to find clique's crime, while can effectively take precautions against ox, to subtract
The loss of few client.Wherein, risk address matching plate, the address risk list on real-time update line, in conjunction with magnanimity address wind
Dangerous list data carries out accurate to home address, household register address and other kinds address using address fuzzy matching algorithm
Match, mechanism discovery user is helped to submit the history record of bad behavior of address category information.Address multi dimensional analysis plate, with line magnanimity
Address date is to rely on, and in conjunction with address similarity algorithm, addressing dimension and other various dimensions is carried out comprehensive analysis, help mechanism
It was found that debt-credit and house property repeated mortgage are repeated, to reduce lending cost.Brush veneer block is taken precautions against, address Regularization can be effectively
The express delivery address that ox is deliberately obscured is normalized, so as to effectively take precautions against ox brush list, and further navigates to ox
Relevant information.
Geographical location identification, the geographical location including various dimensions such as IP, base station, wifi, identity card, cell-phone number and bank cards
Information, can be with the geographical location of the positioning web visitor of fast accurate, including city, longitude and latitude and net by geographical location library
The information such as network type are based on various dimensions cross validation, it might even be possible to be accurate to cell or office building.Pass through true geographical location
Identification can effectively take precautions against location-based fraud.
The internet finance lending quantifying risk based on commercial science culture in technical solution of the present invention assesses auditing system
Application method is assessed with online monitoring system based on distinctive lending quantifying risk and is realized, the lending quantifying risk assessment
It integratedy chain information and the information of supply chain can be supplied to third party financing in a secure manner puts down with online monitoring system
Platform (bank) is used as network financing by credit voucher, and third party financing platform is put according to obtained information of supply chain
Quantifying risk assessment is borrowed, and the management state of on-line monitoring real-time detection loan application enterprise can be passed through.
The lending quantifying risk assessment and online monitoring system, comprising: chain data interchange platform, third party financing are flat
Platform, service interaction terminal, the service interaction terminal have two or more, for passing through chain data interchange platform and other industry
Business interactive terminal carries out the service interaction terminal of chain data interaction；The service interaction terminal is also used to the third party financing
Platform sends loan application request, receives the customer information synchronization request that the chain data interchange platform is sent, and to described
Chain data interchange platform returns to confirmation customer information synchronizing indication；The chain data interchange platform, for receiving service interaction end
It holds the chain data sent and backs up to another service interaction terminal and to the chain data of forwarding the chain data forwarding；It is described
Third party financing platform, the loan application for receiving the service interaction terminal are requested, are sent out to the chain data interchange platform
Family synchronizing information of seing a visitor out request, and receive the customer information that the chain data interchange platform returns；It is also used to according to the confession
It is corresponding to obtain service interaction terminal according to preset accrediting amount computation model for the customer information for answering chain data interchange platform to return
The accrediting amount of user is for risk assessment of making loans.
In a wherein specific embodiment, the service interaction terminal, comprising:
ERP system, for new personalized documents to be sent to be stored in transmission file directory；
File poll obtains module, single for the new personalization to be periodically polled and read to transmission file directory
According to file；And/or the new personalized documents are polled and read for periodically docking receipts file directory, and
The new personalized documents are sent to the ERP system；
Format converting module, for the new personalized documents to be converted to the electronic certificate of EDI message format；
And/or for the electronic certificate of EDI message format to be converted to new personalized documents, and by the new individual character
Change documents and is stored in reception file directory；
First file security delivery module is pacified for carrying out anti-tamper safe protection treatment to the electronic certificate
All-electronin voucher, and, the safe electronic voucher is sent to the chain data interchange platform；
Loan application module receives the chain data for sending loan application request to the third party financing platform
The customer information synchronization request that switching plane is sent, and return to confirmation customer information to the chain data interchange platform and synchronize and refer to
It enables；
The chain data interchange platform, comprising:
Second file security delivery module, for receiving safe electronic voucher from the service interaction terminal, to the peace
All-electronin voucher is decrypted and obtains the electronic certificate of EDI message format；And/or for the electronic certificate into
The anti-tamper safe protection treatment of row, obtains safe electronic voucher, and the safe electronic voucher is sent to another business and is handed over
Mutual terminal；
Electronic certificate Routing Forward Module, for parsing the another described of the electronic certificate from the electronic certificate
The unique identities ID of service interaction terminal, and another institute is sent by the file security delivery module by the electronic certificate
State service interaction terminal；
User management module owns for storing and managing in the electronic certificate forwarded through electronic certificate Routing Forward Module
The user information of service interaction terminal；
Service management module, for backing up all electronic certificates forwarded through electronic certificate Routing Forward Module；
Chain data interaction module, the financing customer information synchronization request sent for receiving the bank financing platform, to
The service interaction terminal sends the financing customer information synchronization request, receives the confirmation that the service interaction terminal returns and melts
Customer information synchronic command is provided, and calls relevant backup supply chain number from user management module and service management module respectively
Customer information and the bank financing platform is returned to according to as financing.
In a wherein embodiment, the customer information is that include that corresponding service interaction terminal is relevant order
List, storage bill, evidence for payment, inventory document body original contents electronic certificate；
The third party financing platform is also used to judge that service interaction terminal corresponds to whether user meets lending requirement；If
It is then to return to loan application to the service interaction terminal and accept notice and to described in chain data interchange platform transmission periodically return
The request of the corresponding customer information of service interaction terminal；It is instructed if it is not, then returning to refusal to the service interaction terminal and making loans；With
And the lending risk of corresponding user is monitored according to the customer information periodically returned.
In some embodiments, the electronic certificate of the EDI message format includes heading and message body；The message
Body includes at least one document body, and each document body includes the keyword and the corresponding EDI of document body of document body corresponding types
The document body original contents of message format；The heading includes unique ID of the electronic certificate, to the current electronics
The document body quantity and each list that unique identities ID, the current electronic certificate for the service interaction terminal that voucher interacts include
According to the corresponding type of body.
In some embodiments, the format converting module is also used to extract document in new personalized documents
The keyword of body corresponding types；Document body original contents are converted to the document body original contents of EDI message format；By the list
Be formed as document body according to the keyword of body corresponding types and the document body original contents of EDI message format；Generating includes the electricity
The unique identities ID, current of unique ID of sub- voucher, the service interaction terminal that the current electronic certificate is interacted
The heading of document body quantity and the corresponding type of each document body that electronic certificate includes；By the heading and the document bodily form
As electronic certificate；
The format converting module is also used to parse the transmission electronic certificate from the heading of the electronic certificate
Service interaction terminal unique identities ID；Judgement needs the document body from the electronic certificate parsed in heading；
The keyword of the document body corresponding types parsed as needed finds the document body in the electronic certificate；According to the electricity
The corresponding EDI format specification of the sender of sub- voucher and the EDI format specification of recipient parse the document of recipient's needs
Body original contents.
In some embodiments, the format converting module is also used to extract in another new personalized documents
The keyword of document body corresponding types；Document body original contents are converted to the document body original contents of EDI message format；By institute
The document body original contents of the keyword and EDI message format of stating document body corresponding types are formed as another new document body；It will
The new document body and former document body merge into message body；Generate includes unique ID of the electronic certificate, to current
The document body that unique identities ID, the current electronic certificate for the new service interaction terminal that the electronic certificate interacts include
The heading of quantity and the corresponding type of each document body；The heading and the message bodily form are become into new electronic certificate.
The above embodiments merely illustrate the technical concept and features of the present invention, and its object is to allow person skilled in the art
Scholar cans understand the content of the present invention and implement it accordingly, and it is not intended to limit the scope of the present invention.It is all according to the present invention
Equivalent change or modification made by Spirit Essence, should be covered by the protection scope of the present invention.
The internet finance lending quantifying risk based on commercial science culture in technical solution of the present invention assesses auditing system
The information such as application material, bad credit record and multi-platform creditor-debtor entry are subject to by one beneficial effect with big data technology
Integration effectively identifies that contour risk behavior is acted on behalf in clique's fraud, mechanism, credit agency is helped to reduce risk, reduce monetary losses.
The internet finance lending quantifying risk based on commercial science culture in technical solution of the present invention assesses auditing system
Another beneficial effect again identifies that the risks such as clique's fraud, mechanism charg`e d'affaires, helps to believe by the anti-fraud model of dynamic on line
It borrows mechanism to avoid risk in time, reduces monetary losses.
The internet finance lending quantifying risk based on commercial science culture in technical solution of the present invention assesses auditing system
Another beneficial effect, help credit agency dynamic monitoring borrower information change, have found that it is likely that in time be unfavorable for loan by
When the problem of giving back, and adjust corresponding collection strategy, preferably solve bad credit hidden danger.
The internet finance lending quantifying risk based on commercial science culture in technical solution of the present invention assesses auditing system
The beneficial effect of application method is, based on the assessment of lending quantifying risk and online monitoring system, can integratedy chain information simultaneously
The information of supply chain is supplied to third party financing platform (bank) in a secure manner and is used as network financing by credit voucher, so that the
Tripartite's financing platform can carry out lending quantifying risk assessment according to obtained information of supply chain, and can be real-time by on-line monitoring
The management state of loan application enterprise is detected, reduces lending risk to the full extent.
Finally, the present processes are only preferable embodiment, it is not intended to limit the scope of the present invention.It is all
Within the spirit and principles in the present invention, any modification, equivalent replacement, improvement and so on should be included in protection of the invention
Within the scope of.
Claims (10)
1. auditing system is quantitatively evaluated in a kind of internet financial risks, which is characterized in that including being checked in the preceding auditing module of loan, loan
Monitoring module after module and loan:
Auditing module before the loan utilizes big data skill for loan application link based on the interpersonal relationship of internet finance
Art is integrated application material, bad credit record and multi-platform creditor-debtor entry information, effectively identifies clique's fraud and mechanism
Act on behalf risk behavior；
Module is checked in the loan, based on the interpersonal relationship of internet finance, for completing loan application but also do not make loans
Review link, so that credit agency obtains borrower newly-increased bad credit record and multi-platform application after loan application
And/or liability information；Simultaneously by the anti-fraud model of dynamic on line, again identify that risk is acted on behalf in clique's fraud and mechanism；
Monitoring module after the loan, for post-loan management link, is credit agency based on the interpersonal relationship of internet finance,
By scanning the newly-increased risk of borrower, such as other platform loan applications, other platforms are overdue, law court breaks one's promise record, law court held
Row record, loans for supporting students are overdue, cell-phone number is deactivated, user is often changed with address and work address changes, so that credit agency is dynamic
State monitors the information change of borrower, has found that it is likely that be unfavorable for the problem of loan is given back on time in time, and adjust corresponding collection
Strategy.
2. the system as claimed in claim 1, which is characterized in that further include:
Personal essential information verifies plate, for including analyzing credit agency from identity card, cell-phone number and the multiple dimensions of mailbox and mentioning
The personal essential information of friendship, the format exception and risk of discovery identity card, cell-phone number, mailbox.
3. the system as claimed in claim 1, which is characterized in that further include:
Flame scans plate, is based on risk list big data, comprehensive from the identity card of applicant, cell-phone number, mailbox, QQ
Matching, screens whether borrower once went out in public security organ, law court, bank, operator, school, credit agency and the consumer finance
Bad credit record is crossed, now so that mechanism filters out high-quality target group.
4. the system as claimed in claim 1, which is characterized in that further include:
Multi-platform debt detects plate, using internet cross industry groupcontrol mechanism, can effectively screen and propose in multiple platforms
Loan application or the High risk group borrowed money.
5. the system as claimed in claim 1, which is characterized in that further include:
Identification clique cheats loan plate, and advanced device-fingerprint technology, address matching technology and the dynamic being equipped with by system are cheated
Model, the mining analysis from a large amount of loan application materials are found out in the presence of the clique of mechanism of risk of cheating loan, reduce due to black intermediary or
The malice clique that cheats loan causes economic loss.
6. the system as claimed in claim 1, which is characterized in that further include:
Identification clique cheats loan plate, using fingerprint technique, address matching technology and dynamic fraud model, from loan application material
Mining analysis finds out the clique of mechanism in the presence of risk of cheating loan.
7. the system as claimed in claim 1, which is characterized in that further include:
Credit deterioration monitors plate, and the borrower on current platform new overdue, lost contact, law warp is occurring with other platforms
When Ji dispute, client can be given to carry out early warning in time.
8. the system as claimed in claim 1, which is characterized in that further include:
Debt-credit Shen is repeatedly carried out in other platforms during refund as the borrower on customer platform by means of newly also old monitoring plate
Please, early warning can be carried out to client in time, customer platform need to reappraise the loan repayment capacity of borrower, increase the collection to borrower
Attention rate.
9. the system as claimed in claim 1, which is characterized in that further include:
Guarantee to borrow preceding auditing module, multiple in loan by fingerprint equipment, agency's detection, address matching and geographical location identification technology
The safe operation of monitoring module after looking into module and borrowing.
10. the system as described in claim 1-9 is any, it is characterised in that:
The fingerprint equipment is established a globally unique device id Accurate Analysis for each operation equipment and is gone out in an equipment
All users operation behavior, find multi-user between association situation, gradually depict out the behavior rail an of user agent
Mark；
Agency's detection, for promptly and accurately identifying whether active user uses proxy access website, while can obtain and hide
Real IP address after proxy server；
The address matching, the address risk list on real-time update line are fuzzy using address in conjunction with address risk list data
Matching algorithm precisely matches home address, household register address and other kinds address, and mechanism discovery user is helped to submit
The history record of bad behavior of address category information；
Geographical location identification, the geographical location information including IP, base station, wifi, identity card, cell-phone number and bank card various dimensions,
It can be with the geographical location of the positioning web visitor of fast accurate, including city, longitude and latitude and network class by geographical location library
Type information takes precautions against location-based fraud based on various dimensions cross validation.
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| CN201710515955.4A CN109214617A (en) | 2017-06-29 | 2017-06-29 | A kind of internet financial risks qualitative assessment auditing system |
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| CN109711984A (en) * | 2019-01-23 | 2019-05-03 | 北京市天元网络技术股份有限公司 | Risk monitoring and control method and device before a kind of loan based on collection |
| CN110135995A (en) * | 2019-04-12 | 2019-08-16 | 平安信托有限责任公司 | Financing evaluation processing method, device, computer equipment and storage medium |
| CN110135971A (en) * | 2019-04-15 | 2019-08-16 | 上海良鑫网络科技有限公司 | Assessing credit risks System and method for based on weak variable data |
| CN110348711A (en) * | 2019-06-27 | 2019-10-18 | 上海淇馥信息技术有限公司 | A kind of case quality detecting method, device and electronic equipment based on mistake anticipation |
| CN110675252A (en) * | 2019-09-29 | 2020-01-10 | 北京市商汤科技开发有限公司 | Risk assessment method and device, electronic equipment and storage medium |
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| CN109711984A (en) * | 2019-01-23 | 2019-05-03 | 北京市天元网络技术股份有限公司 | Risk monitoring and control method and device before a kind of loan based on collection |
| CN110135995A (en) * | 2019-04-12 | 2019-08-16 | 平安信托有限责任公司 | Financing evaluation processing method, device, computer equipment and storage medium |
| CN110135971A (en) * | 2019-04-15 | 2019-08-16 | 上海良鑫网络科技有限公司 | Assessing credit risks System and method for based on weak variable data |
| CN110348711A (en) * | 2019-06-27 | 2019-10-18 | 上海淇馥信息技术有限公司 | A kind of case quality detecting method, device and electronic equipment based on mistake anticipation |
| CN110675252A (en) * | 2019-09-29 | 2020-01-10 | 北京市商汤科技开发有限公司 | Risk assessment method and device, electronic equipment and storage medium |
| CN111325622A (en) * | 2020-03-17 | 2020-06-23 | 上海万位数字技术有限公司 | Automobile finance risk identification system |
| CN112017059A (en) * | 2020-07-14 | 2020-12-01 | 北京淇瑀信息科技有限公司 | Hierarchical optimization risk control method and device and electronic equipment |
| CN111861730A (en) * | 2020-07-31 | 2020-10-30 | 重庆富民银行股份有限公司 | Risk report early warning system and method |
| CN112163860A (en) * | 2020-09-21 | 2021-01-01 | 中国建设银行股份有限公司 | Financial leasing service system |
| CN113129124A (en) * | 2021-03-09 | 2021-07-16 | 中国农业银行股份有限公司福建省分行 | Credit checking and monitoring device for pig breeding industry |
| CN113129124B (en) * | 2021-03-09 | 2023-02-28 | 中国农业银行股份有限公司福建省分行 | Credit checking and monitoring device for pig breeding industry |
| CN113177849A (en) * | 2021-04-07 | 2021-07-27 | 安徽科讯金服科技有限公司 | Tax integration online system based on government affair big data |
| CN113361981A (en) * | 2021-08-10 | 2021-09-07 | 连连（杭州）信息技术有限公司 | Service request processing method, device, equipment and medium |
| CN114254169A (en) * | 2021-12-07 | 2022-03-29 | 北京航聚信用管理有限公司 | Online query method and device for civil aviation value evaluation and electronic equipment |
| CN115860904A (en) * | 2022-11-14 | 2023-03-28 | 中科聚信信息技术（北京）有限公司 | Credit abnormal group mining method and device |
| CN116911986A (en) * | 2023-09-07 | 2023-10-20 | 连京恒创科技(北京)有限公司 | Business risk identification method and system |
| CN117710081A (en) * | 2023-11-29 | 2024-03-15 | 浙江孚临科技有限公司 | Information service processing system for financial risk control |
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