CN109949150A - A kind of user's credit method, apparatus, server and storage medium based on scene - Google Patents
A kind of user's credit method, apparatus, server and storage medium based on scene Download PDFInfo
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- CN109949150A CN109949150A CN201910238181.4A CN201910238181A CN109949150A CN 109949150 A CN109949150 A CN 109949150A CN 201910238181 A CN201910238181 A CN 201910238181A CN 109949150 A CN109949150 A CN 109949150A
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- 238000004590 computer program Methods 0.000 claims description 3
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Abstract
The embodiment of the invention discloses a kind of user's credit method, apparatus, server and storage medium based on scene.Wherein, method includes: the scene marked where user when user enters credit process, and determines scene identity；And display with scene corresponding user information User Interface determining according to the scene identity；The user information that user inputs in the user information User Interface is obtained, and determines risk assessment strategies packet corresponding with the scene identity；Risk assessment is carried out to the user information by the risk assessment strategies packet, to complete the credit process of user.The embodiment of the present invention, which is solved, establishes multiple credit process structures, the high problem of O&M cost for the client under different scenes；The client under the framework of a credit process for different channels may be implemented, personalized credit line plan is provided, precisely assesses consumer's risk, while can reduce credit process maintenance cost.
Description
Technical field
The present embodiments relate to Internet technology more particularly to a kind of user's credit method, apparatus based on scene, clothes
Business device and storage medium.
Background technique
With the development of New Media Technology, internet finance to obtain visiting field scape more and more diversified, for example, can be more
Application platform launch advertisement, so that the user of each application platform is become the new client of internet financing corporation, and then promote to strike a bargain
The financial business such as loan or financing.It is before user handles the business such as loan, to need to each client in internet financing corporation
Credit is carried out, i.e., assesses the risk status of user by guiding user to submit personal information, and according to the risk status of user
Authorize certain loan limit.Different obtains under the scape of visiting field, user property and scene feature is based on, for the credit line plan of user
The requirement of variantization.For example, being mainly the application platform of 16-22 years old young group, the income of these users in user crowd
It is horizontal relatively low, the refund of wholesale can not be paid within a certain period of time, then needs to obtain the more detailed individual of these users
Data information completes risk assessment；In some application platforms for selling high-end commodity, user is mostly booming income crowd, then right
When such crowd carries out risk assessment, then relatively little of personal information information is needed.
Currently, generally using two schemes during carrying out credit to user in the industry: scheme obtains visiting field scape first is that ignoring
Difference, it is unified to use a set of credit line plan；Scheme customizes different credit processes second is that obtain visiting field scape for main respectively
Framework is to realize the credit line plan of otherness.
But scheme one has ignored the different information for obtaining objective channel, coarse to the risk evaluation result of user, accuracy is not
It is high.Although scheme two can efficiently use the different different informations for obtaining objective channel, due to needing to safeguard more set credit frameworks, maintenance
Higher cost.
Summary of the invention
The embodiment of the present invention provides a kind of user's credit method, apparatus, server and storage medium based on scene, with reality
Client under the framework of a present credit process for different channels provides personalized credit line plan, reduces the maintenance of credit process
Cost.
In a first aspect, the embodiment of the invention provides a kind of user's credit method based on scene, this method comprises:
The scene where user is marked when user enters credit process, and determines scene identity；
And display with scene corresponding user information User Interface determining according to the scene identity；
The user information that user inputs in the user information User Interface is obtained, and determination is corresponding with the scene identity
Risk assessment strategies packet；
Risk assessment is carried out to the user information by the risk assessment strategies packet, to complete the credit of user
Journey.
Optionally, the method also includes:
According to the scene identity, guidance information corresponding with the scene is shown, wherein the guidance information includes being
The benefit information that user provides.
Optionally, the scene where marking user when user enters credit process, and before determining scene identity, institute
State method further include:
According to the user of each scene composition, historical risk performance and objective mode is obtained as each scene configuration user information
Fill substance and corresponding risk assessment strategies packet.
Optionally, in the case where different scenes identify corresponding scene, user's fill message in the user information User Interface
Content includes the one or more of following information:
ID card information, emergency contact, deposit card authentication information, Card Verification information, based on location-based service permission,
Address list permission and short message permission.
Optionally, the risk assessment strategies packet includes policy name, strategy mark and multiple polices nodes；Wherein, institute
It includes regular in the assessment of multiple dimensions to user for stating multiple polices nodes.
Optionally, the assessment rule of the multiple dimension includes:
Whether the user for determining that the user for entering credit process and user information indicate according to user information is the same use
Family；Or
The user whether user belongs in list of breaking one's promise is determined according to user information；Or
The income level of the user is assessed according to user information.
Optionally, the scene includes scene under scene and line on line；Wherein, scene is included in multiple applications on the line
The advertisement that platform is launched, scene includes obtaining customer resources by business personnel under the line.
Second aspect, the embodiment of the invention also provides a kind of user's credit device based on scene, the device include:
Scene determining module for the scene where the label user when user enters credit process, and determines scene mark
Know；
Interface display module fills in boundary for and display with scene corresponding user information determining according to the scene identity
Face；
Assessment strategy determining module, the user information inputted for obtaining user in the user information User Interface, and
Determine risk assessment strategies packet corresponding with the scene identity；
Credit module is assessed, for carrying out risk assessment to the information that user inputs by the risk assessment strategies packet,
To complete the credit process of user.
Optionally, user's credit device based on scene further include:
Guidance information display module, for showing guidance information corresponding with the scene according to the scene identity,
In, the guidance information includes the benefit information provided for user.
Optionally, user's credit device based on scene further include:
Credit line plan configuration module for the scene where marking user when user enters credit process, and determines
Before scene identity, objective mode is showed and obtained as each scene configuration use according to the user of each scene composition, historical risk
Family information solicitation content and corresponding risk assessment strategies packet.
Optionally, in the case where different scenes identify corresponding scene, user's fill message in the user information User Interface
Content includes the one or more of following information:
ID card information, emergency contact, deposit card authentication information, Card Verification information, based on location-based service permission,
Address list permission and short message permission.
Optionally, the risk assessment strategies packet includes policy name, strategy mark and multiple polices nodes；Wherein, institute
It includes regular in the assessment of multiple dimensions to user for stating multiple polices nodes.
Optionally, the assessment rule of the multiple dimension includes:
Whether the user for determining that the user for entering credit process and user information indicate according to user information is the same use
Family；Or
The user whether user belongs in list of breaking one's promise is determined according to user information；Or
The income level of the user is assessed according to user information.
Optionally, the scene includes scene under scene and line on line；Wherein, scene is included in multiple applications on the line
The advertisement that platform is launched, scene includes obtaining customer resources by business personnel under the line.
The third aspect, the embodiment of the invention also provides a kind of server, which includes:
One or more processors；
Storage device, for storing one or more programs；
When one or more of programs are executed by one or more of processors, so that one or more of processing
Device realizes any user's credit method based on scene in the embodiment of the present invention.
Fourth aspect, the embodiment of the invention also provides a kind of computer readable storage mediums, are stored thereon with computer
Program realizes user's credit method based on scene as described in any in inventive embodiments when the program is executed by processor.
The embodiment of the present invention enters the scene of the user of credit process simultaneously under the framework of a credit process, through label
It determines scene identity, and then the personal letter that user needs the personal information filled in and fills in user is determined according to scene identity
Breath carries out the strategy of risk assessment, completes the credit to user using credit line plan corresponding with scene identity and assesses, solves
For the client under different scenes establish multiple credit process structures, the high problem of O&M cost；It may be implemented to award at one
Client under the framework of letter flow journey for different channels provides personalized credit line plan, precisely assesses consumer's risk, while can
Reduce credit process maintenance cost.
Detailed description of the invention
Fig. 1 is the flow chart of user's credit method based on scene in the embodiment of the present invention one；
Fig. 2 is the structural schematic diagram of user's credit device based on scene in the embodiment of the present invention two；
Fig. 3 is the structural schematic diagram of the server in the embodiment of the present invention three.
Specific embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining the present invention rather than limiting the invention.It also should be noted that in order to just
Only the parts related to the present invention are shown in description, attached drawing rather than entire infrastructure.
Embodiment one
Fig. 1 is the flow chart for user's credit method based on scene that the embodiment of the present invention one provides, and the present embodiment can fit
The case where for assessing in internet financial service user, this method can be real by user's credit device based on scene
It is existing, it can specifically be implemented by the software and/or hardware in electronic equipment, wherein electronic equipment includes mobile phone, notebook
Computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (tablet computer), PMP (portable media player)
Deng.
As shown in Figure 1, user's credit method based on scene specifically includes:
S110, the scene when user enters credit process where label user, and determine scene identity.
Wherein, scene, that is, user where user enters the channel of credit process, which includes on line under channel and line
Channel.Specifically, channel includes the financial product advertisement launched in major application platform on line, application platform includes that video is answered
With, music application, shopping application and financial service platform etc..User using it is each in application, corresponding application interface can be with
The financial product advertisement showed in a manner of the picture of switching at runtime, pop-up or label etc. is seen, when user is by clicking or sliding
When the modes such as dynamic operate financial product advertisement, credit process can be entered.Illustratively, user sees in trill APP
It sees short-sighted frequency, and clicks the financial product advertisement in video clip pop-up, that is, enter in credit process, at this time background service
Device can to enter credit process user be marked, to indicate that the user comes from the user of trill APP, so as to it is true
The scene identity of the fixed scene.Further, channel includes that business personnel obtains customer resources under user's line, as customer manager exists
A new client is obtained under line, needs to carry out risk assessment to user, which can be supplied to client one two
The credit process inlet for tieing up code or other forms, when the scanning input two dimensional code or by other means into credit process
When, what background server can be issued according to user, which enter credit process, requests to determine that the user be client under line, can also be into
The determination of one step is the client of who business personnel, so as to which the user is marked, determines that the user carrys out line end
Scape, and determine scene identity.
S120, and display with scene corresponding user information User Interface determining according to the scene identity.
Wherein, in user information User Interface, the information content for needing user to fill in is previously according under different scenes
What the characteristic of user group was configured.For example, selling in platform in bargain goods, the level of consumption of user group is told somebody what one's real intentions are, instead
The income level for mirroring the user group is lower, if the wind for user group releasing large loan is for financial product company
Danger is higher, it is to be understood that the more detailed information of the user group is such as recognized including ID card information, emergency contact, deposit card
Information, Card Verification information are demonstrate,proved, based on the information including location-based service permission, address list permission and short message permission, to obtain
It takes and user is accurately assessed, determine final loan limit.It is sold in platform in luxury goods, user group is mostly high receives
Enter crowd, financial product company also more wishes that the user group buys its financial product, then in user information User Interface
In, the information content for needing user to fill in is then more relatively fewer, only includes: such as that ID card information, emergency contact save
Card authentication information.
Specifically, in the case where different scenes identify corresponding scene, user's fill message content in user information User Interface
Including the one or more of following information: ID card information, emergency contact, deposit card authentication information, Card Verification information,
Based on location-based service permission, address list permission and short message permission.It can be according to the user of each scene composition and history wind
User's fill message content in the information configurations user information User Interfaces such as danger performance.After scene identity has been determined, Ji Kegen
It is matched to user information User Interface under the scene according to scene identity, and by the page presentation to user.
S130, the user information that user inputs in the user information User Interface, and the determining and scene mark are obtained
Know corresponding risk assessment strategies packet.
Specifically, server can the day after tomorrow after user inputs information according to the prompt of user information User Interface
Risk assessment is carried out to the information of user.So also to be obtained according to scene identity while getting the information that user fills in
Take risk assessment strategies packet corresponding with the scene.Wherein, risk assessment strategies packet is also the user previously according to each scene
Composition, historical risk show and obtain what objective mode was configured, when a scene has user to enter credit process, directly adjust
With.
Risk assessment strategies packet includes policy name, strategy mark and multiple polices nodes；Wherein, multiple polices node packets
It includes regular in the assessment of multiple dimensions to user.The assessment rule of multiple dimensions includes: to be determined to enter credit according to user information
Whether the user that the user of process and user information indicate is the same user；Or determine whether the user belongs to according to user information
User in list of breaking one's promise；Or the income level of the user is assessed according to user information.It i.e. can by risk assessment strategies packet
With many aspects comprehensive descision user such as the whether true, credit worthiness of client and income level, consuming capacity from user information
Degree of risk.
S140, risk assessment is carried out to the user information by the risk assessment strategies packet, to complete awarding for user
Letter process.
Risk assessment is carried out to user information using risk assessment strategies packet corresponding with scene identity, and then can be true
Determine the value-at-risk of user, and can determination can be issued to the loan limit of user, to complete credit process.Further,
The risk evaluation result of user can be shown in terminal interface, inform its amount that can provide a loan of user, can also show and provide a loan
Relevant prompt information, such as loan interest and mode of repayment content.
Preferably, guidance information corresponding with scene can also be shown, wherein the guidance information according to scene identity
Including the benefit information provided for user.Guidance information is also to be respectively configured according to user group's feature of different scenes
Content provides for different client crowds to the more attractive benefit information of relatively each user group, so as to improve
The conversion ratio of user.The technical solution of the present embodiment enters credit process under the framework of a credit process, by marking
The scene of user simultaneously determines scene identity, and then according to scene identity determines personal information that user needs to fill in and to user
The personal information filled in carries out the strategy of risk assessment, is awarded using credit line plan corresponding with scene identity completion to user
Letter assessment, solves and establishes multiple credit process structures, the high problem of O&M cost for the client under different scenes；It can be real
Client under the framework of a present credit process for different channels provides personalized credit line plan, precisely assesses user's wind
Danger, while can reduce credit process maintenance cost.
Embodiment two
Fig. 2 is a kind of structural schematic diagram for user's credit device based on scene that inventive embodiments two provide, this implementation
Example is applicable to the case where assessing in internet financial service user.
As shown in Fig. 2, the user's credit device based on scene provided in the embodiment of the present invention includes scene determining module
210, interface display module 220, assessment strategy determining module 230 and assessment credit module 240.
Wherein, scene determining module 210, for the scene where the label user when user enters credit process, and really
Determine scene identity；Interface display module 220, for and display with scene corresponding user information determining according to the scene identity
User Interface；Assessment strategy determining module 230, the user's letter inputted for obtaining user in the user information User Interface
Breath, and determine risk assessment strategies packet corresponding with the scene identity；Credit module 240 is assessed, for passing through the risk
Assessment strategy packet carries out risk assessment to the information that user inputs, to complete the credit process of user.
The technical solution of the present embodiment is under the framework of a credit process, by marking into the user's of credit process
Scene simultaneously determines scene identity, and then determines that user needs the personal information filled in and fills in user according to scene identity
Personal information carries out the strategy of risk assessment, is commented using credit line plan corresponding with scene identity completion the credit of user
Estimate, solves and establish multiple credit process structures, the high problem of O&M cost for the client under different scenes；It may be implemented
Client under the framework of one credit process for different channels provides personalized credit line plan, precisely assesses consumer's risk, together
When can reduce credit process maintenance cost.
Optionally, user's credit device based on scene further include:
Guidance information display module, for showing guidance information corresponding with the scene according to the scene identity,
In, the guidance information includes the benefit information provided for user.
Optionally, user's credit device based on scene further include:
Credit line plan configuration module for the scene where marking user when user enters credit process, and determines
Before scene identity, objective mode is showed and obtained as each scene configuration use according to the user of each scene composition, historical risk
Family information solicitation content and corresponding risk assessment strategies packet.
Optionally, in the case where different scenes identify corresponding scene, user's fill message in the user information User Interface
Content includes the one or more of following information:
ID card information, emergency contact, deposit card authentication information, Card Verification information, based on location-based service permission,
Address list permission and short message permission.
Optionally, the risk assessment strategies packet includes policy name, strategy mark and multiple polices nodes；Wherein, institute
It includes regular in the assessment of multiple dimensions to user for stating multiple polices nodes.
Optionally, the assessment rule of the multiple dimension includes:
Whether the user for determining that the user for entering credit process and user information indicate according to user information is the same use
Family；Or
The user whether user belongs in list of breaking one's promise is determined according to user information；Or
The income level of the user is assessed according to user information.
Optionally, the scene includes scene under scene and line on line；Wherein, scene is included in multiple applications on the line
The advertisement that platform is launched, scene includes obtaining customer resources by business personnel under the line.
User's credit device based on scene provided by the embodiment of the present invention can be performed any embodiment of that present invention and be mentioned
The user's credit method based on scene supplied, has the corresponding functional module of execution method and beneficial effect.
Embodiment three
Fig. 3 is the structural schematic diagram of the server in the embodiment of the present invention three.Fig. 3, which is shown, to be suitable for being used to realizing the present invention
The block diagram of the exemplary servers 312 of embodiment.The server 312 that Fig. 3 is shown is only an example, should not be to the present invention
The function and use scope of embodiment bring any restrictions.As shown in figure 3, the table in the form of universal computing device of server 312
It is existing.The component of server 312 can include but is not limited to: one or more processor or processing unit 316, system storage
Device 328 connects the bus 318 of different system components (including system storage 328 and processing unit 316).
Bus 318 indicates one of a few class bus structures or a variety of, including memory bus or Memory Controller,
Peripheral bus, graphics acceleration port, processor or the local bus using any bus structures in a variety of bus structures.It lifts
For example, these architectures include but is not limited to industry standard architecture (ISA) bus, microchannel architecture (MAC)
Bus, enhanced isa bus, Video Electronics Standards Association (VESA) local bus and peripheral component interconnection (PCI) bus.
Server 312 typically comprises a variety of computer system readable media.These media can be it is any being capable of bedding and clothing
The usable medium that business device 312 accesses, including volatile and non-volatile media, moveable and immovable medium.
System storage 328 may include the computer system readable media of form of volatile memory, such as deposit at random
Access to memory (RAM) 330 and/or cache memory 332.Server 312 may further include it is other it is removable/can not
Mobile, volatile/non-volatile computer system storage medium.Only as an example, storage system 334 can be used for reading and writing not
Movably, non-volatile magnetic media (Fig. 3 do not show, commonly referred to as " hard disk drive ").It, can be with although being not shown in Fig. 3
The disc driver for reading and writing to removable non-volatile magnetic disk (such as " floppy disk ") is provided, and non-volatile to moving
The CD drive of CD (such as CD-ROM, DVD-ROM or other optical mediums) read-write.In these cases, each driving
Device can be connected by one or more data media interfaces with bus 318.Memory 328 may include at least one program
Product, the program product have one group of (for example, at least one) program module, these program modules are configured to perform the present invention
The function of each embodiment.
Program/utility 340 with one group of (at least one) program module 342, can store in such as memory
In 328, such program module 342 includes but is not limited to operating system, one or more application program, other program modules
And program data, it may include the realization of network environment in each of these examples or certain combination.Program module 342
Usually execute the function and/or method in embodiment described in the invention.
Server 312 can also be with one or more external equipments 314 (such as keyboard, sensing equipment, display 324 etc.)
Communication, can also be enabled a user to one or more equipment interact with the server 312 communicate, and/or with make the clothes
Any equipment (such as network interface card, modem etc.) that business device 312 can be communicated with one or more of the other calculating equipment
Communication.This communication can be carried out by input/output (I/O) interface 322.Also, server 312 can also be suitable by network
Orchestration 320 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network, such as because of spy
Net) communication.As shown, network adapter 320 is communicated by bus 318 with other modules of server 312.It should be understood that
Although being not shown in Fig. 3, other hardware and/or software module can be used in conjunction with server 312, including but not limited to: micro- generation
Code, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and data backup are deposited
Storage system etc..
Processing unit 316 by the program that is stored in system storage 328 of operation, thereby executing various function application with
And data processing, such as realize user's credit method based on scene provided by the embodiment of the present invention, this method specifically includes that
The scene where user is marked when user enters credit process, and determines scene identity；
And display with scene corresponding user information User Interface determining according to the scene identity；
The user information that user inputs in the user information User Interface is obtained, and determination is corresponding with the scene identity
Risk assessment strategies packet；
Risk assessment is carried out to the user information by the risk assessment strategies packet, to complete the credit of user
Journey.
Example IV
The embodiment of the present invention four additionally provides a kind of computer readable storage medium, is stored thereon with computer program, should
Realize that user's credit method as provided by the embodiment of the present invention based on scene, this method are main when program is executed by processor
Include:
The scene where user is marked when user enters credit process, and determines scene identity；
And display with scene corresponding user information User Interface determining according to the scene identity；
The user information that user inputs in the user information User Interface is obtained, and determination is corresponding with the scene identity
Risk assessment strategies packet；
Risk assessment is carried out to the user information by the risk assessment strategies packet, to complete the credit of user
Journey.
The computer storage medium of the embodiment of the present invention, can be using any of one or more computer-readable media
Combination.Computer-readable medium can be computer-readable signal media or computer readable storage medium.It is computer-readable
Storage medium for example may be-but not limited to-the system of electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor, device or
Device, or any above combination.The more specific example (non exhaustive list) of computer readable storage medium includes: tool
There are electrical connection, the portable computer diskette, hard disk, random access memory (RAM), read-only memory of one or more conducting wires
(ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-
ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.In this document, computer-readable storage
Medium can be any tangible medium for including or store program, which can be commanded execution system, device or device
Using or it is in connection.
Computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.
The program code for including on computer-readable medium can transmit with any suitable medium, including --- but it is unlimited
In wireless, electric wire, optical cable, RF etc. or above-mentioned any appropriate combination.
The computer for executing operation of the present invention can be write with one or more programming languages or combinations thereof
Program code, described program design language include object oriented program language-such as Java, Smalltalk, C++,
Further include conventional procedural programming language-such as " C " language or similar programming language.Program code can be with
It fully executes, partly execute on the user computer on the user computer, being executed as an independent software package, portion
Divide and partially executes or executed on a remote computer or server completely on the remote computer on the user computer.?
Be related in the situation of remote computer, remote computer can pass through the network of any kind --- including local area network (LAN) or
Wide area network (WAN)-be connected to subscriber computer, or, it may be connected to outer computer (such as mentioned using Internet service
It is connected for quotient by internet).
Note that the above is only a better embodiment of the present invention and the applied technical principle.It will be appreciated by those skilled in the art that
The invention is not limited to the specific embodiments described herein, be able to carry out for a person skilled in the art it is various it is apparent variation,
It readjusts and substitutes without departing from protection scope of the present invention.Therefore, although being carried out by above embodiments to the present invention
It is described in further detail, but the present invention is not limited to the above embodiments only, without departing from the inventive concept, also
It may include more other equivalent embodiments, and the scope of the invention is determined by the scope of the appended claims.
Claims (10)
1. a kind of user's credit method based on scene characterized by comprising
The scene where user is marked when user enters credit process, and determines scene identity；
And display with scene corresponding user information User Interface determining according to the scene identity；
The user information that user inputs in the user information User Interface is obtained, and determines wind corresponding with the scene identity
Dangerous assessment strategy packet；
Risk assessment is carried out to the user information by the risk assessment strategies packet, to complete the credit process of user.
2. the method according to claim 1, wherein the method also includes:
According to the scene identity, guidance information corresponding with the scene is shown, wherein the guidance information includes for user
The benefit information of offer.
3. the method according to claim 1, wherein where marking user when user enters credit process
Scene, and before determining scene identity, the method also includes:
Showing and obtain objective mode according to the user of each scene composition, historical risk is that each scene configuration user information is filled in
Content and corresponding risk assessment strategies packet.
4. according to the method described in claim 3, it is characterized in that, in the case where different scenes identify corresponding scene, the user
User's fill message content includes the one or more of following information in information solicitation interface:
ID card information, deposit card authentication information, Card Verification information, is based on location-based service permission, communication at emergency contact
Record permission and short message permission.
5. according to the method described in claim 3, it is characterized in that, the risk assessment strategies packet includes policy name, strategy
Mark and multiple polices nodes；Wherein, the multiple polices node includes regular in the assessment of multiple dimensions to user.
6. according to the method described in claim 5, it is characterized in that, the assessment rule of the multiple dimension includes:
Whether the user for determining that the user for entering credit process and user information indicate according to user information is the same user；Or
The user whether user belongs in list of breaking one's promise is determined according to user information；Or
The income level of the user is assessed according to user information.
7. any method in -6 according to claim 1, which is characterized in that the scene includes scene and line end on line
Scape；Wherein, scene includes the advertisement launched in multiple application platforms on the line, and scene includes passing through business personnel under the line
Obtain customer resources.
8. a kind of user's credit device based on scene characterized by comprising
Scene determining module for the scene where the label user when user enters credit process, and determines scene identity；
Interface display module, for and display with scene corresponding user information User Interface determining according to the scene identity；
Assessment strategy determining module, the user information inputted for obtaining user in the user information User Interface, and determine
Risk assessment strategies packet corresponding with the scene identity；
Credit module is assessed, for carrying out risk assessment to the information that user inputs by the risk assessment strategies packet, with complete
At the credit process of user.
9. a kind of server, which is characterized in that the server includes:
One or more processors；
Storage device, for storing one or more programs；
When one or more of programs are executed by one or more of processors, so that one or more of processors are real
Now user's credit method based on scene as described in any in claim 1-7.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is by processor
User's credit method based on scene as described in any in claim 1-7 is realized when execution.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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| CN111209930A (en) * | 2019-12-20 | 2020-05-29 | 上海淇玥信息技术有限公司 | Method and device for generating credit granting strategy and electronic equipment |
| CN112633619A (en) * | 2019-10-08 | 2021-04-09 | 阿里巴巴集团控股有限公司 | Risk assessment method and device |
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