CN110443693A - Data processing method, device, computer equipment and storage medium - Google Patents
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Abstract
The invention discloses a kind of data processing method, device, computer equipment and storage medium, method includes: to obtain the application primary data of specified applicant；Active address location information of the specified applicant within the specified period is obtained according to application primary data；Active address location information is parsed using preset address matching degree model, calculates address matching degree；Obtain the evaluation information of work unit；Obtain correlation evaluation information；It obtains and the matched request for data reliability assessment model of specified applicant；It is handled according to evaluation information and correlation evaluation information of the request for data reliability assessment model to address matching degree, work unit, obtains the reliability assessment data of specified applicant.The present invention objective reasonably can assess the confidence level of specified applicant, reduce reliability assessment cost, improve the safety of financial business operation.
Description
Technical field
The present invention relates to data processing field more particularly to a kind of data processing method, device, computer equipment and storages
Medium.
Background technique
Credit refers to the production of a kind of mutual trust for being attached between people, being formed between commodity transaction between unit
Relationship and social relationships.In modern society, personal credit is a personal important intangible asset.Especially in financial field,
Can the height of personal credit be the essential condition that obtain credit extension loan.
However, for financial institution, how reasonably to obtain personal accurate credit data, be still one urgently
Technical problem to be solved.There are mainly two types of the credit evaluation modes that current financial mechanism uses, and one is based on client's
Relation of trust that long-term cooperative relationship is set up and the credit for determining user, e.g., give be used for a long time credit card client it is higher
Line of credit；It is another then be the credit data that user is obtained by third party appraisal agency, such as sesame credit.However,
The assessment time of first way is long, is not suitable for and expands new client, the data constraint that the second way is got is more, cost
It is higher.
It is then desired to develop, a kind of new, assessment cycle is shorter, the stronger data processing method of objectivity, with reasonable
The confidence level (i.e. a kind of manifestation mode of credit) for assessing applicant, meets the needs of financial business operation.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide a kind of data processing method, device, computer equipment and
Storage medium reasonably assesses the confidence level of specified applicant with objective, reduces reliability assessment cost, improves finance
The safety of business operation.
A kind of data processing method, comprising:
The application primary data of specified applicant is obtained, the application primary data includes work address, work unit；
Active address location information of the specified applicant within the specified period is obtained according to the application primary data；
The active address location information is parsed using preset address matching degree model, calculates the place of working
The address matching degree of location and the active address location information；
The data to be estimated that the work unit is obtained to the first given network address use preset enterprise security model
The data to be estimated are handled, the evaluation information of the work unit is obtained；
The related information that the work unit is obtained to the second given network address is generated according to the related information and is associated with
Evaluation information；
It obtains and the specified matched request for data reliability assessment model of applicant；
According to the request for data reliability assessment model to the evaluation information of the address matching degree, the work unit
It is handled with correlation evaluation information, obtains the reliability assessment data of the specified applicant.
A kind of data processing equipment, comprising:
Request for data module is obtained, for obtaining the application primary data of specified applicant, the application initial data packets
Include work address, work unit；
Location information module is obtained, for obtaining the specified applicant in the specified period according to the application primary data
Interior active address location information；
Address matching degree computing module, for using preset address matching degree model to the active address location information
It is parsed, calculates the address matching degree of the work address Yu the active address location information；
Work unit's evaluation module, for obtaining the data to be estimated of the work unit to the first given network address,
The data to be estimated are handled using preset enterprise security model, obtain the evaluation information of the work unit；
Correlation evaluation module, for obtaining the related information of the work unit to the second given network address, according to institute
It states related information and generates correlation evaluation information；
Assessment models module is obtained, for obtaining and the specified matched request for data reliability assessment mould of applicant
Type；
Confidence level module is generated, is used for according to the request for data reliability assessment model to the address matching degree, institute
The evaluation information and correlation evaluation information for stating work unit are handled, and the reliability assessment number of the specified applicant is obtained
According to.
A kind of computer equipment, including memory, processor and storage are in the memory and can be in the processing
The computer program run on device, the processor realize above-mentioned data processing method when executing the computer program.
A kind of computer readable storage medium, the computer-readable recording medium storage have computer program, the meter
Calculation machine program realizes above-mentioned data processing method when being executed by processor.
Above-mentioned data processing method, device, computer equipment and storage medium, at the beginning of the application by obtaining specified applicant
Beginning data, the application primary data includes work address, work unit, to obtain the Shen that user (i.e. specified applicant) submits
It please data.Active address location information of the specified applicant within the specified period is obtained according to the application primary data,
The position data of applicant is specified with automatic acquisition.Using preset address matching degree model to the active address location information
It is parsed, calculates the address matching degree of the work address Yu the active address location information, to determine that nominator provides
Work address authenticity.The data to be estimated of the work unit are obtained to the first given network address, use is preset
Enterprise security model handles the data to be estimated, and obtains the evaluation information of the work unit, to obtain specified Shen
The reliability assessment data (evaluation information of i.e. above-mentioned work unit) of work unit where asking someone.To the second given network address
The enterprise's related information for obtaining the work unit, according to enterprise's related information generate correlation evaluation information, with obtain with
The reliability assessment data of associated enterprise, work unit where specified applicant, to judge specified Shen in terms of higher level
The confidence packets of the confidence level asked someone, acquisition have more referential.Obtaining can with the specified matched request for data of applicant
Reliability assessment models, to choose assessment data (the i.e. evaluation of address matching degree, work unit of the processing model of adaptation to acquisition
Information and correlation evaluation information) it is further processed.According to the request for data reliability assessment model to the address matching degree,
The evaluation information and correlation evaluation information of the work unit are handled, and the reliability assessment number of the specified applicant is obtained
According to the reliability assessment data can be used as the examination & approval foundation of the application behavior to specified applicant.The present invention objective can close
The confidence level of specified applicant is assessed on reason ground, reduces reliability assessment cost, improves the safety of financial business operation.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without any creative labor, can also be according to these attached drawings
Obtain other attached drawings.
Fig. 1 is an application environment schematic diagram of data processing method in one embodiment of the invention；
Fig. 2 is a flow diagram of data processing method in one embodiment of the invention；
Fig. 3 is a flow diagram of data processing method in one embodiment of the invention；
Fig. 4 is a flow diagram of data processing method in one embodiment of the invention；
Fig. 5 is a flow diagram of data processing method in one embodiment of the invention；
Fig. 6 is a flow diagram of data processing method in one embodiment of the invention；
Fig. 7 is a structural schematic diagram of data processing equipment in one embodiment of the invention；
Fig. 8 is a structural schematic diagram of data processing equipment in one embodiment of the invention；
Fig. 9 is a structural schematic diagram of data processing equipment in one embodiment of the invention；
Figure 10 is a schematic diagram of computer equipment in one embodiment of the invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Data processing method provided in this embodiment can be applicable in the application environment such as Fig. 1, wherein client passes through
Network is communicated with server-side.Wherein, client includes but is not limited to various personal computers, laptop, intelligent hand
Machine, tablet computer and portable wearable device.Server-side can use the either multiple server compositions of independent server
Server cluster is realized.
In one embodiment, as shown in Fig. 2, providing a kind of data processing method, the service in Fig. 1 is applied in this way
It is illustrated, includes the following steps: for end
S10, the application primary data for obtaining specified applicant, the application primary data includes work address, job note
Position.
In the present embodiment, specified applicant can be directed toward the borrower of financial institution's application loan.Apply for that primary data can
With the application materials that specified applicant is filled in when applying for loan, including but not limited to personal identity information, work letter
Cease (including work unit, seniority, position level etc.), the purposes borrowed money, personal credit record, revenue source, refund energy
Power and family income situation etc..Financial institution can provide dedicated application program to specified applicant, and specified applicant exists
Application primary data is filled in the application program, and is uploaded to server-side used in financial institution.
In application primary data, the work address that specified applicant fills in may include.As work address can be
" zero mound road of Shanghai City XX ".In some cases, work address can specified applicant common reserve fund pay ground or social security
Pay ground.If the work address (as referred to that social security is paid) in application primary data, can be believed based on the identity of specified applicant
Cease the work address that specified applicant is inquired and obtained to specified network site (such as social security referral web site).
S20, active address position of the specified applicant within the specified period is obtained according to the application primary data
Information.
S30, the active address location information is parsed using preset address matching degree model, calculates the work
Make the address matching degree of address Yu the active address location information.
The specified period can be set according to actual needs, such as be can be past one month, be also possible to auditing
A period of time in period, if Review Cycle is one week, then, the specified period can refer to the time before Review Cycle cut-off.One
In example, specified applicant on Monday (such as on 2 11st, 2019) has submitted application primary data, and Review Cycle is next Monday
(such as on 2 18th, 2019), then specifying the period may include Tuesday to Sunday (such as 12-17 days 2 months 2019).In some cases
Under, it such as may include all working in January, 2019 that the specified period, which also may include the working day in specified time length,
Day.In other cases, the specified period can also be the discrete days randomly selected, and such as may include the 5 of in January, 2019
3 working days in a working day and in March, 2019.
The active address location information of specified applicant can refer to be collected into from the client bound with specified applicant
Location information, i.e. LBS (location-based service) address, as where active address location information can specify applicant at some time point
Position.Client can be iOS device or Android device, can be obtained by api interface (application programming interface)
The active address location information of specified applicant.In this case, active address location information can refer to the GPS number of client
According to.In another case, it can also be obtained and the mobile phone by the phone number for specifying applicant to fill in network operator
The corresponding active address location information of number.Here, active address location information can refer to the mobile phone of communication base station record
The alive data of number.Further, it is also possible to by the IP address for the client access network for specifying applicant to use, client
The data such as the GPS information of first picture extract active address position data.
Preset address matching degree model can be used to carry out the work address and active address location information got
Processing obtains the address matching degree of work address and active address location information.Address matching degree model can be based on history
Personal credit data comprising location information, it is built-up using specific sorting algorithm.Sorting algorithm can select linear return
Return classification (LRC), rarefaction representation classification (SRC), principal component analysis (PCA), linear discriminant analysis (LDA), locality preserving projections
(LPP) and spectral clustering (SC) etc..When the personal credit data comprising location information to history are handled, can be based on
The factors such as position, industry, income, educational background, age, birthplace, age, the residence of individual subscriber construct data acquisition system, extract
Personal address Distribution dynamics under different factors.Then through the Fitting Calculation, the address of the weight factor comprising each factor is obtained
Matching degree model.
And for the active address location information got, it can be processed into the sequence indicated with key-value pair,
Such as:
{ time point 1: place 1；Time point 2: place 2；Time point 3: place 3；... time point n: place n }.
Then the work address in conjunction with specified applicant and identity information (including position, industry, income, educational background, year
The parameter value of the factors such as age, birthplace, age, residence), in input address matching degree model, obtain work address and active
The address matching degree of geographic location information.Since address matching degree is what the position data based on user generated, in some cases
Under, the address that also can reflect specified applicant is actively accustomed to.
In some cases, active address location information can be based on different acquisition sources, and these different are obtained
Source is fetched when calculating address matching is spent, the reference weight of distribution can be different.Use the GPS of picture first in client
Information determines the real work place of specified applicant, and calculates address matching degree based on the GPS information, the address matching
The reference weight of degree can be 20.And the IP address that the client by specifying applicant to use accesses network determines specified Shen
The real work place asked someone, and calculate address matching degree based on the IP address, the reference weight of the address matching degree can be with
It is 10.
S40, the data to be estimated that the work unit is obtained to the first given network address, use preset enterprise security
Model handles the data to be estimated, and obtains the evaluation information of the work unit.
In the present embodiment, the first given network address can be to provide website or the database of enterprise's data to be estimated.To
Estimation data include but is not limited to that registered capital, industry type, unit are averaged wages, company region.
Preset enterprise security model can be constructed based on existing user credit data.Based on user credit number
According in conjunction with the data to be estimated of the work unit where the user, formation training sample.Then select suitable algorithm to training
Sample is handled, the enterprise security model (i.e. preset enterprise security model) after being trained.For example, decision can be selected
Tree algorithm handles training sample.
In preset enterprise security model, the corresponding weight coefficient of each single item parameter of data to be estimated, each
The corresponding score value of the parameter value of parameter.In order to reduce the calculation amount of model, can by the parameter value of continuous type processing for from
Shape parameter is dissipated, multiple parameter values range, the corresponding score value of each range of parameter values are such as marked off.
Through preset enterprise security model treatment, corresponding evaluation letter can be generated based on the data to be estimated of work unit
Breath.In some instances, the evaluation information of work unit can be a score value.
S50, enterprise's related information that the work unit is obtained to the second given network address are associated with according to the enterprise
Information generates correlation evaluation information.
Here, the second given network address can be to provide website or the database of enterprise's associated data.Enterprise's association
Information refers to that there are the enterprises of incidence relation or senior enterprise leader with work unit.It is associated with specifically, existing with work unit
The enterprise of system can refer to parent company belonging to the work unit or subsidiary；There are the top managers of incidence relation with work unit
Including but not limited to legal representative's (if work unit is juridical-person tissue, for the responsible person of work unit), general manager, stock
East.Can there are associated enterprises or the level of senior enterprise leader with work unit determine according to actual needs, e.g., level can be set
It is set to 1-3.In one example, if level is set as 2, determine first level be 1 there are associated enterprises with work unit
Or senior enterprise leader, then determine level be 2 there are associated enterprise or senior enterprise leaders with the 1st level.Specifically, if work unit
With senior enterprise leader first, second exist be associated with, then obtain and the associated company information of senior enterprise leader first, second, such as with the associated enterprise of first
For tri- enterprises of A, B, C (work unit not comprising specified applicant), with the associated enterprise of second be C, D Liang Jia enterprise (does not wrap
Work unit containing specified applicant), then it include: first, second, enterprise A, enterprise in enterprise's related information that the 1st level is included
B, enterprise C, enterprise D.In the 2nd level, then obtain with any one in enterprise A, enterprise B, enterprise C, enterprise D there are associated enterprises
Industry is high-rise (not including first and second), and obtains and these senior enterprise leaders (any one family in addition to first and second in enterprise A, B, C, D
Senior enterprise leader) associated enterprise.
After getting enterprise's related information, preset correlation evaluation model can be used in enterprise's related information
Each enterprise or senior enterprise leader evaluation, obtain an evaluation of estimate, and the summation of statistical appraisal value, which is correlation evaluation letter
Breath.In some instances, valuation of enterprise part can be used similar to involved in step S30 involved in correlation evaluation model
Enterprise security model.In some cases, preset correlation evaluation model can be selected different algorithms to related information at
Reason, generates different correlation evaluation information, and e.g., (e.g., different levels, setting is or not the summation after can be average value, or weighting
Same weight).In some cases, correlation evaluation information can be expressed as one or a set of evaluation of estimate.
In one example, enterprise's related information includes 10 affiliated persons.Through preset correlation evaluation model to each pass
Connection people is handled, and is obtained 10 evaluations of estimate, is then calculated its summation, as correlation evaluation according to the 10 of acquisition evaluations of estimate
Information.
S60, it obtains and the specified matched request for data reliability assessment model of applicant.
Different request for data reliability assessment models can be matched based on the intended use of the loan of specified applicant.Request for data
Reliability assessment model can be built-up based on first user credit data.Such as, consumer application number can be divided into
According to the request for data reliability assessment model of reliability assessment model and investment type.In the application primary data to specified applicant
When being evaluated, the weight factor of related address matching degree, the evaluation information of work unit and correlation evaluation information is distributed
Be it is inconsistent, thus, for the same specified applicant when the intended use of the loan is inconsistent, the reliability assessment data of acquisition are not
Together.
S70, the evaluation according to the request for data reliability assessment model to the address matching degree, the work unit
Information and correlation evaluation information are handled, and the reliability assessment data of the specified applicant are obtained.
The present embodiment, can be used request for data reliability assessment model to get address matching degree, work unit
Evaluation information and correlation evaluation information handled, generate the reliability assessment data of specified applicant.Calculating confidence level
When assessing data, request for data reliability assessment model can be commented for address matching degree, the evaluation information of work unit and association
Different weight factors is arranged in valence information.The weight factor for including in credit risk coefficient computation model can be based on existing use
Family credit data is obtained through iterative calculation.When the updated user information data of use are to request for data reliability assessment mould
When type is updated, the weight factor of parameters can be changed correspondingly.
In one example, address matching degree is indicated with p, and the evaluation information of work unit is indicated with q, and correlation evaluation information is used
R indicates that the reliability assessment data of specified applicant are indicated with I.Following meter can be used in request for data reliability assessment model
Formula calculates the reliability assessment data of specified applicant:
I=α p+ β q+ γ r.
In above formula, α is the weight factor of p, and β is the weight factor of q, and γ is the weight factor of r.
Data processing method provided in an embodiment of the present invention, after tentative implementation, through calculating, reliability assessment data
Assessed cost decline 80%, the rate of violation of applicant falls 20% on a year-on-year basis.It can be seen that the confidence level that the embodiment of the present invention obtains
Assessment data have a distinct increment in terms of quality of evaluation compared to original assessment data.
In step S10-70, the application primary data of specified applicant is obtained, the application primary data includes place of working
Location, work unit, to obtain the request for data that user (i.e. specified applicant) submits.Institute is obtained according to the application primary data
Active address location information of the specified applicant within the specified period is stated, the position data of applicant is specified with automatic acquisition.Make
The active address location information is parsed with preset address matching degree model, calculates the work address and the work
The address matching degree of jump geographic location information, to determine the authenticity of the work address of nominator's offer.To the first specified network
Address obtains the data to be estimated of the work unit, using preset enterprise security model to the data to be estimated at
Reason, obtains the evaluation information of the work unit, to obtain the reliability assessment data of specified applicant place work unit (i.e.
The evaluation information of above-mentioned work unit).Enterprise's related information that the work unit is obtained to the second given network address, according to
Enterprise's related information generates correlation evaluation information, with obtain with associated enterprise, work unit where specified applicant can
Reliability assesses data, and to judge the confidence level of specified applicant in terms of higher level, the confidence packets of acquisition are more joined
The property examined.It obtains with the specified matched request for data reliability assessment model of applicant, the processing model pair being adapted to selection
The assessment data (i.e. address matching degree, the evaluation information of work unit and correlation evaluation information) of acquisition are further processed.According to
The request for data reliability assessment model believes the evaluation information and correlation evaluation of the address matching degree, the work unit
Breath is handled, and the reliability assessment data of the specified applicant are obtained, which can be used as to specified
The examination & approval foundation of the application behavior of applicant.
Optionally, as shown in figure 3, step S20 includes:
S201, the job information for obtaining the specified applicant；
S202, it chooses and the matched address extraction algorithm of the job information and the specified period；
S203, the position data that the specified applicant is collected according to the specified period；
S204, the position data is handled according to the address extraction algorithm, generates the active address information.
In the present embodiment, application primary data may include phone number, the job information, place of working of specified applicant
Location.Wherein, job information may include occupation and the academic title of specified applicant, if the job information of user's first may include: religion
Teacher, high title.
Different address extraction algorithms and specified period can be matched according to the occupational information of applicant.It can collect a large amount of
Geographic location information comprising user's job information, and collating sort is carried out by job information, form multiple geographic location informations
Set, each geographic location information set are corresponding with a kind of job information.It presets a variety of address extraction algorithms and the specified period is (every
Kind address extraction algorithm corresponding one or more specified periods), respectively to the geographic location information in the conjunction of address position information set
It is handled, generates corresponding active address location information to be assessed.Then again with sorting algorithm to it is each it is to be assessed actively
Location location information is parsed, and corresponding classification results are obtained.Choose the best address extraction algorithm of classification results and specified week
Phase as with the matched address extraction algorithm of occupational information and specified period.
In the suitable address extraction algorithm of determination and after the specified period, then specified application can be collected according to the specified period
The position data of people.For example, according to the requirement in specified period, the position data of applicant 8:00-20:00 on weekdays is collected.
After the position data for obtaining the specified period, address extraction algorithm can be used, position data is further processed,
Generate active address location information.In some instances, active address location information may include work occur in position data
The frequency of address.For example, it can be stated that in some day, if place occurs in the practical of specified applicant indicated in position data
Within the scope of one kilometer of work address, then the frequency that work address occurs in active address location information adds one, every one section
Time (e.g., can be 15 minutes) statistics is primary.
In step S201-S204, the job information of the specified applicant is obtained, to extract finger from application primary data
Determine the job information of applicant.Selection and the matched address extraction algorithm of the job information and the specified period, to obtain
The position data acquisition modes (specified period) and position data processing mode (address extraction algorithm) being adapted to specified applicant.
The position data of the specified applicant is collected, according to the specified period to obtain the position data of specified applicant.According to
The address extraction algorithm handles the position data, generates the active address information, the active address letter of acquisition
Breath is applicable in preset address matching degree model treatment.
Optionally, as shown in figure 4, step S40 includes:
S401, the data to be estimated that the work unit is obtained to the first given network address；
S402, it obtains and the matched enterprise security model of the work unit；
S403, it is evaluated according to be estimated data of the enterprise security model to the work unit, described in generation
The evaluation information of work unit.
In the present embodiment, application primary data has included the work unit of specified applicant.Here, if work unit is
Enterprise, then the data to be estimated of work unit may include the qualification information of the enterprise.Enterprise security model may include automatic
It inquires the process flow of the qualification information of work unit and judges what rule evaluated qualification information using preset qualification
Process flow.It, can be according to the title of work unit after the work unit that application primary data extracts specified applicant
Or mark inquires the qualification information of the work unit automatically.The qualification information of work unit includes but is not limited to registered capital, row
Industry type, unit are averaged wages, place region.For example, the work unit of Zhang San is " eating food factory very well ", inquired, is obtained
The place region of " eating food factory very well " is " Shenzhen City, Guangdong Province ", and registered capital is 200,000, and industry type is " food service industry ",
Unit be averaged wages be < 2 ten thousand.
Preset qualification, which judges rule, can be set the weight coefficient and score value of each parameter in qualification information.Such as table 1
Shown, the corresponding weight coefficient of each parameter, such as weight coefficient of " industry type " is 20%.It is judged using the qualification of table 1
Rule evaluates the qualification information of the work unit of Zhang San, can obtain the evaluation information q of the work unit are as follows:
Q=a4* 40%+b5* 20%+c1* 30%+d4* 20%.
Work unit's qualification of 1 one embodiment of table judges rule
In step S401-S403, the data to be estimated of the work unit are obtained, to the first given network address with automatic
Obtain the newest data to be estimated of work unit.Acquisition and the matched enterprise security model of the work unit, due to getting
Enterprise security model with work unit be it is matched, the accuracy by its treated result is also higher.According to the enterprise
Security model evaluates the data to be estimated of the work unit, generates the evaluation information of the work unit, to obtain
Newest, the preferable work unit of accuracy evaluation information.
Optionally, as shown in figure 5, step S50 includes:
S501, enterprise's related information that the work unit is obtained to the second given network address, enterprise's association letter
Breath includes the affiliated person of at least one；
S502, the reliability information that the affiliated person is inquired in specified credit risk list；
S503, by the preset correlation evaluation model of the information input of the affiliated person, generate the correlation evaluation information.
In the present embodiment, enterprise's related information may include the affiliated person of at least one.Affiliated person can refer to work unit
Senior executive or shareholder, can also refer to the business entity with business relationship there are investment relation.Some corporation information queries can be passed through
Platform gets enterprise's related information of work unit.In one example, enterprise's related information can indicate are as follows: affiliated person 1,
Affiliated person 2 ... ... affiliated person n }.
Specified credit risk list can be generated based on credit risk data on risk of fraud platform.In some cases
Under, specifying credit risk list may include credit risk blacklist, often borrow passenger train table etc..Correlation evaluation model can be associated with one
A or multiple specified credit risk lists.It can judge that the affiliated person in enterprise's related information whether there is in specified credit one by one
In Risk list.When being present in specified credit risk list, the number comprising affiliated person adds 1 in specified credit risk list；
When if it does not exist in specified credit risk list, then the number in credit risk list comprising affiliated person is specified to remain unchanged.
The correlation evaluation information of enterprise can be the adduction of the number of affiliated person.For example, being wrapped in specified credit risk list
The number of the affiliated person contained is 5, and specifying the score value of each affiliated person of credit risk list at this is 10, then correlation evaluation is believed
Breath r can be calculated as the following formula:
R=5*10=50.
In some cases, different affiliated persons can correspond to different score values.
In step S501-S503, enterprise's related information of the work unit is obtained to the second given network address, it is described
Enterprise's related information includes the affiliated person of at least one, to obtain multiple affiliated persons associated with work unit.In specified letter
With the reliability information for inquiring the affiliated person in Risk list, to obtain the reliability information of each affiliated person.By the pass
In the preset correlation evaluation model of information input for joining people, the correlation evaluation information is generated, to obtain in bigger dimension
There is the affiliated person's evaluation information contacted with work unit.
Optionally, as shown in fig. 6, after step S70, further includes:
S80, judge whether the reliability assessment data are in default confidence level section；
If S90, the reliability assessment data are not in default confidence level section, determine the specified applicant's
Confidence level is unqualified.
In the present embodiment, default confidence level section can be set according to actual needs.Different types of application, can be with
Corresponding different default confidence level section.Such as, in a credit applications, credit type is consumer loaning bill, credit amount 2
Ten thousand, default confidence level section can be set to less than 70；In another credit applications, credit type is housing loan loaning bill, credit gold
Volume is 1,000,000, and default credit risk threshold value can be set to less than 5.It should be noted that here, reliability assessment data
When higher, there are the probability of risk of fraud is higher by specified applicant.
If calculated reliability assessment data are not at default confidence level section, the confidence level of specified applicant is determined
It is unqualified, illustrate that there are risk of fraud by specified applicant.If the specified applicant, which can not provide other effective credits, to be proved,
Its loan application will be unable to pass through audit.
In step S80-S90, judge whether the reliability assessment data are in default confidence level section, it can with determination
Whether reliability assesses data qualified.If the reliability assessment data are not in default confidence level section, the finger is determined
The confidence level for determining applicant is unqualified, to obtain final assessment result.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
In one embodiment, a kind of credit data processing unit is provided, the credit data processing unit and above-described embodiment
Middle credit data processing method corresponds.As shown in fig. 7, the credit data processing unit includes obtaining request for data module
10, obtain location information module 20, address matching degree computing module 30, work unit's evaluation module 40, correlation evaluation module 50,
It obtains assessment models module 60 and generates confidence level module 70.Detailed description are as follows for each functional module:
Request for data module 10 is obtained, for obtaining the application primary data of specified applicant, the application primary data
Including work address, work unit；
Location information module 20 is obtained, for obtaining the specified applicant in specified week according to the application primary data
Active address location information in phase；
Address matching degree computing module 30, for being believed using preset address matching degree model the active address position
Breath is parsed, and the address matching degree of the work address Yu the active address location information is calculated；
Work unit's evaluation module 40, for obtaining the number to be estimated of the work unit to the first given network address
According to being handled using preset enterprise security model the data to be estimated, obtain the evaluation information of the work unit；
Correlation evaluation module 50, for obtaining the related information of the work unit to the second given network address, according to
The related information generates correlation evaluation information；
Assessment models module 60 is obtained, for obtaining and the specified matched request for data reliability assessment mould of applicant
Type；
Generate confidence level module 70, for according to the request for data reliability assessment model to the address matching degree,
The evaluation information and correlation evaluation information of the work unit are handled, and the reliability assessment number of the specified applicant is obtained
According to.
Optionally, as shown in figure 8, acquisition location information module 20 includes:
Job information unit 201 is obtained, for obtaining the job information of the specified applicant；
Selection and withdrawal algorithm unit 202, for choosing and the matched address extraction algorithm of the job information and the finger
Fixed cycle；
Location data element 203 is collected, for collecting the position data of the specified applicant according to the specified period；
Generate active address information unit 204, for according to the address extraction algorithm to the position data at
Reason, generates the active address information.
Optionally, as shown in figure 9, work unit's evaluation module 40 includes:
Obtain data cell 401 to be estimated, for the first given network address obtain the work unit wait estimate
Data；
Security model unit 402 is obtained, for obtaining and the matched enterprise security model of the work unit；
Work unit's evaluation unit 403, for the number to be estimated according to the enterprise security model to the work unit
According to being evaluated, the evaluation information of the work unit is generated.
Optionally, correlation evaluation module 50 includes:
Affiliated person's unit is obtained, for obtaining enterprise's related information of the work unit to the second given network address,
Enterprise's related information includes the affiliated person of at least one；
Association reliability information unit is obtained, for inquiring the credible of the affiliated person in specified enterprise's confidence level list
Spend information；
Correlation evaluation information unit is calculated, for the reliability information of the affiliated person to be inputted preset correlation evaluation mould
In type, the correlation evaluation information is generated.
Optionally, data processing equipment further include:
Interval judgement module, for judging whether the reliability assessment data are in default confidence level section；
It determines unqualified module, if being not in default confidence level section for the reliability assessment data, determines
The confidence level of the specified applicant is unqualified.
Specific about credit data processing unit limits the limit that may refer to above for credit data processing method
Fixed, details are not described herein.Modules in above-mentioned credit data processing unit can fully or partially through software, hardware and its
Combination is to realize.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with
It is stored in the memory in computer equipment in a software form, in order to which processor calls the above modules of execution corresponding
Operation.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 10.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment data involved in processing method for storing data.The network interface of the computer equipment be used for it is outer
The terminal in portion passes through network connection communication.To realize a kind of credit data processing side when the computer program is executed by processor
Method.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor perform the steps of when executing computer program
The application primary data of specified applicant is obtained, the application primary data includes work address, work unit；
Active address location information of the specified applicant within the specified period is obtained according to the application primary data；
The active address location information is parsed using preset address matching degree model, calculates the place of working
The address matching degree of location and the active address location information；
The data to be estimated that the work unit is obtained to the first given network address use preset enterprise security model
The data to be estimated are handled, the evaluation information of the work unit is obtained；
Enterprise's related information that the work unit is obtained to the second given network address, according to enterprise's related information
Generate correlation evaluation information；
It obtains and the specified matched request for data reliability assessment model of applicant；
According to the request for data reliability assessment model to the evaluation information of the address matching degree, the work unit
It is handled with correlation evaluation information, obtains the reliability assessment data of the specified applicant.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor
The application primary data of specified applicant is obtained, the application primary data includes work address, work unit；
Active address location information of the specified applicant within the specified period is obtained according to the application primary data；
The active address location information is parsed using preset address matching degree model, calculates the place of working
The address matching degree of location and the active address location information；
The data to be estimated that the work unit is obtained to the first given network address use preset enterprise security model
The data to be estimated are handled, the evaluation information of the work unit is obtained；
Enterprise's related information that the work unit is obtained to the second given network address, according to enterprise's related information
Generate correlation evaluation information；
It obtains and the specified matched request for data reliability assessment model of applicant；
According to the request for data reliability assessment model to the evaluation information of the address matching degree, the work unit
It is handled with correlation evaluation information, obtains the reliability assessment data of the specified applicant.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of data processing method characterized by comprising
The application primary data of specified applicant is obtained, the application primary data includes work address, work unit；
Active address location information of the specified applicant within the specified period is obtained according to the application primary data；
The active address location information is parsed using preset address matching degree model, calculate the work address with
The address matching degree of the active address location information；
The data to be estimated that the work unit is obtained to the first given network address, using preset enterprise security model to institute
It states data to be estimated to be handled, obtains the evaluation information of the work unit；
Enterprise's related information that the work unit is obtained to the second given network address is generated according to enterprise's related information
Correlation evaluation information；
It obtains and the specified matched request for data reliability assessment model of applicant；
Evaluation information and pass according to the request for data reliability assessment model to the address matching degree, the work unit
Connection evaluation information is handled, and the reliability assessment data of the specified applicant are obtained.
2. data processing method as described in claim 1, which is characterized in that described to obtain institute according to the application primary data
State active address location information of the specified applicant within the specified period, comprising:
Obtain the job information of the specified applicant；
It chooses and the matched address extraction algorithm of the job information and the specified period；
The position data of the specified applicant is collected according to the specified period；
The position data is handled according to the address extraction algorithm, generates the active address information.
3. data processing method as described in claim 1, which is characterized in that described to described in the acquisition of the first given network address
The data to be estimated of work unit are handled the data to be estimated using preset enterprise security model, described in acquisition
The evaluation information of work unit, comprising:
The data to be estimated of the work unit are obtained to the first given network address；
It obtains and the matched enterprise security model of the work unit；
It is evaluated according to be estimated data of the enterprise security model to the work unit, generates the work unit
Evaluation information.
4. data processing method as described in claim 1, which is characterized in that described to described in the acquisition of the second given network address
Enterprise's related information of work unit generates correlation evaluation information according to the related information, comprising:
Enterprise's related information of the work unit is obtained to the second given network address, enterprise's related information includes at least
One affiliated person；
The reliability information of the affiliated person is inquired in specified enterprise's confidence level list；
The reliability information of the affiliated person is inputted in preset correlation evaluation model, the correlation evaluation information is generated.
5. data processing method as described in claim 1, which is characterized in that described according to the request for data reliability assessment
Model handles the evaluation information and correlation evaluation information of the address matching degree, the work unit, obtains the finger
After the reliability assessment data for determining applicant, further includes:
Judge whether the reliability assessment data are in default confidence level section；
If the reliability assessment data are not in default confidence level section, the confidence level of the specified applicant is determined not
It is qualified.
6. a kind of data processing equipment characterized by comprising
Request for data module is obtained, for obtaining the application primary data of specified applicant, the application primary data includes work
Make address, work unit；
Location information module is obtained, for obtaining the specified applicant within the specified period according to the application primary data
Active address location information；
Address matching degree computing module, for being carried out using preset address matching degree model to the active address location information
Parsing, calculates the address matching degree of the work address Yu the active address location information；
Work unit's evaluation module is used for obtaining the data to be estimated of the work unit to the first given network address
Preset enterprise security model handles the data to be estimated, and obtains the evaluation information of the work unit；
Correlation evaluation module, for obtaining the related information of the work unit to the second given network address, according to the pass
Join information and generates correlation evaluation information；
Assessment models module is obtained, for obtaining and the specified matched request for data reliability assessment model of applicant；
Confidence level module is generated, is used for according to the request for data reliability assessment model to the address matching degree, the work
The evaluation information and correlation evaluation information of office are handled, and the reliability assessment data of the specified applicant are obtained.
7. data processing equipment as claimed in claim 6, which is characterized in that the acquisition location information module includes:
Job information unit is obtained, for obtaining the job information of the specified applicant；
Selection and withdrawal algorithm unit, for choosing and the matched address extraction algorithm of the job information and the specified period；
Location data element is collected, for collecting the position data of the specified applicant according to the specified period；
Active address information unit is generated, for being handled according to the address extraction algorithm the position data, is generated
The active address information.
8. data processing equipment as claimed in claim 6, which is characterized in that work unit's evaluation module includes:
Data cell to be estimated is obtained, for obtaining the data to be estimated of the work unit to the first given network address；
Security model unit is obtained, for obtaining and the matched enterprise security model of the work unit；
Work unit's evaluation unit, for being commented according to be estimated data of the enterprise security model to the work unit
Valence generates the evaluation information of the work unit.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
Any one of 5 data processing methods.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In realization data processing method as described in any one of claim 1 to 5 when the computer program is executed by processor.
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Cited By (1)
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| CN115794780A (en) * | 2023-02-15 | 2023-03-14 | 远江盛邦（北京）网络安全科技股份有限公司 | Method and device for collecting network space assets, electronic equipment and storage medium |
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