CN105243566A - Method and apparatus for evaluating credit of users through different mobile phone number information from operators - Google Patents
Method and apparatus for evaluating credit of users through different mobile phone number information from operators Download PDFInfo
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- CN105243566A CN105243566A CN201510710976.2A CN201510710976A CN105243566A CN 105243566 A CN105243566 A CN 105243566A CN 201510710976 A CN201510710976 A CN 201510710976A CN 105243566 A CN105243566 A CN 105243566A
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Abstract
The invention discloses a method and apparatus for evaluating credit of users through different mobile phone number information from operators, wherein the method for evaluating credit of users through different mobile phone number information from operators comprises the following steps of obtaining all mobile phone information of a user from communication operators to form a mobile phone number set; obtaining all communication detailed report information for some time past of all the mobile phone numbers in the mobile phone number set, and performing application cheating possibility judgment according to the obtained all communication detailed report information; obtaining all consumption detailed report information for some time past of all the mobile phone numbers in the mobile phone number set, and performing credit cheating possibility judgment according to the obtained all consumption detailed report information. By the comprehensive analysis of the communication information and the consumption records of all mobile phone numbers under a user's name in different operators, the credit evaluation on the user can be effectively preformed, so that the purpose of better evaluating the credit of users is realized.
Description
Technical field
The present invention relates to credit field, internet, particularly, relate to a kind of way and the device that utilize operator's different cell-phone number information evaluation user credit.
Background technology
When bank granting user provides a loan, need to audit the credit situation of user, mainly audit this user and whether there is application swindle and credit fraud.Application swindle judges that whether the data of this application people is true, and provide information whether to have intentional forgery, whether daily behavior has the situations such as swindle feature; Credit fraud is whether weigh the history credit of this user good, and whether whether income level can refund smoothly, dailyly have higher and stablize the level of consumption etc.For application swindle, general bank can be carried out the modes such as cross validation and be judged whether the application of this user is real by personally identifiable information authentication, same information different pieces of information source; For credit fraud, bank can carry out comprehensive descision by the information such as bank's flowing water, user's historical consume record of the reference report of acquisition applicant Central Bank, user.
Along with the rise of internet finance, provide a loan online, p2p also achieves flourish.Similar to traditional financial, internet also needs the judgement carrying out applying for swindle and credit fraud to creditor.But with traditional financial unlike, at large data age, user understands Unsolicited Grant lending agency improves individual credit line from the personal information of third-party institution's acquisition oneself, in this case, the data such as the operator of user, electric business or social activity can be gathered carry out comprehensive descision on subscriber authorisation basis, thus weigh the credit grade of this application people.
In large data reference direction, carrier data is a very important data source.For each application user, conventional cell-phone number is required information, and the history communication information of each user can reflect the social relationships of this people deeply, the level of consumption of life track and communication aspect, no matter swindle in prevention application, taking precautions against credit fraud aspect has very important effect.
The way of present use communication information assessment user credit is by analyzing the use record of this user mobile phone number in the past in a period of time and rule judges whether this user has the feature of application swindle; Judge the economic strength of this user according to the level of consumption of this cell-phone number every month simultaneously, thus judge that the probability of credit fraud occurs this user.
The existing mode judging application swindle mainly subscriber authorisation uses after operator's informaiton, apply for that the log of cell-phone number is weighed user and whether belonged to application swindle according to user, but weigh applicant whether belong to application swindle core be judge whether applicant has abnormal performance in communication, and be not only the cell-phone number that applicant fills in communication show whether normal; Same when anticipation user credit probability of cheating, should consider that the entirety of this application people in mobile communication is consumed and consumption composition, and not only consider the level of consumption of the cell-phone number that user applies for.Therefore existing method may cause following problem:
1, the cell-phone number log of this user application is good, but other cell-phone number log of this user is abnormal, has the feature of obviously application swindle, iff using cell-phone number as dimension, can cause erroneous judgement.
2, this user applies for that the monthly level of consumption of cell-phone number is on the low side, and the consumption proportion of voice, note, online is inharmonious, has the performance characteristic that credit grade is not high.But the monthly level of consumption of these other cell-phone numbers of user is higher, integrate the consumption that voice, note, online all have significant proportion, therefore all in all, the credit fraud risk of this user is controlled.
Summary of the invention
The object of the invention is to, for the problems referred to above, propose a kind of way and the device that utilize operator's different cell-phone number information evaluation user credit, to realize the advantage better assessed the credit of user.
For achieving the above object, the technical solution used in the present invention is:
Utilize a way for operator's different cell-phone number information evaluation user credit, comprise the following steps:
A, obtain all cellphone informations of user from common carrier, form cell-phone number set;
B, to obtain in cell-phone number set all cell-phone numbers detailed single information of all communications in a period of time in the past, and carry out the judgement of application probability of cheating according to the detailed single information of all communications obtained;
C, to obtain in cell-phone number set all cell-phone numbers detailed single information of all consumption in a period of time in the past, and carry out credit fraud probabilistic determination according to the detailed single information of all consumption obtained.
Preferably, obtain all cellphone informations of user from common carrier, form cell-phone number set and be specially:
Obtain cell-phone numbers all this user name according to the identity information that user fills in from operator, form cell-phone number set.
Preferably, described identity information comprises, identification card number, driver license number or passport No..
Preferably, to obtain in cell-phone number set all cell-phone numbers detailed single information of all communications in a period of time in the past, and carry out the judgement of application probability of cheating according to the detailed single information of all communications obtained and be specially:
Each cell-phone number is chosen from cell-phone number set, the communication in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, and the feature whether having application swindle is singly analyzed in detail according to communication, if the application cell-phone number that user fills in has good record, but its under one's name except the application cell-phone number filled in other cell-phone numbers have and obviously extremely use record, then there is the suspicion of application swindle in this user, needs to pay close attention to investigation.
Preferably, the detailed single information of described communication comprises, call, note and internet information.
Preferably, to obtain in cell-phone number set all cell-phone numbers detailed single information of all consumption in a period of time in the past, and carry out credit fraud probabilistic determination according to the detailed single information of all consumption obtained and be specially:
Each cell-phone number is chosen from cell-phone number set, the consumption in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, according to consumption total charge and the monthly consumption total charge situation of change of the user recorded in consumption in detail list, obtain consumption strength and the consumption stability indicator of user; Judge that user uses mobile phone whether to have abnormal behaviour according to voice, note and the online ratio accounted in overall consumption in consumption in detail list simultaneously.
Technical solution of the present invention also discloses a kind of device utilizing operator's different cell-phone number information evaluation user credit simultaneously, comprising:
Acquisition module: all cellphone informations obtaining user from common carrier, forms cell-phone number set;
Communication judge module: to obtain in cell-phone number set all cell-phone numbers detailed single information of all communications in a period of time in the past, and carry out the judgement of application probability of cheating according to the detailed single information of all communications obtained;
Consumption judge module: to obtain in cell-phone number set all cell-phone numbers detailed single information of all consumption in a period of time in the past, and carry out credit fraud probabilistic determination according to the detailed single information of all consumption obtained.
Preferably, all cellphone informations that described acquisition module obtains user from common carrier form cell-phone number set, are specially:
Obtain cell-phone numbers all this user name according to the identity information that user fills in from operator, form cell-phone number set;
Described identity information comprises, identification card number, driver license number or passport No..
Preferably, described communication judge module according to obtain the detailed single information of all communications carry out application probability of cheating judgement be specially:
Each cell-phone number is chosen from cell-phone number set, the communication in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, and the feature whether having application swindle is singly analyzed in detail according to communication, if the application cell-phone number that user fills in has good record, but its under one's name except the application cell-phone number filled in other cell-phone numbers have and obviously extremely use record, then there is the suspicion of application swindle in this user, needs to pay close attention to investigation.
Preferably, described consumption judge module carries out credit fraud probabilistic determination be specially according to the detailed single information of all consumption obtained:
Each cell-phone number is chosen from cell-phone number set, the consumption in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, according to consumption total charge and the monthly consumption total charge situation of change of the user recorded in consumption in detail list, obtain consumption strength and the consumption stability indicator of user; Judge that user uses mobile phone whether to have abnormal behaviour according to voice, note and the online ratio accounted in overall consumption in consumption in detail list simultaneously.
Technical scheme of the present invention has following beneficial effect:
Technical scheme of the present invention, the ID (identity number) card information of filling according to applicant obtains all cell-phone number information (comprising the cell-phone number that applicant fills in) under this user name from different operators (comprising movement, UNICOM, telecommunications), form a cell-phone number set.From cell-phone number set, choose any one cell-phone number, extract all communication details of this cell-phone number in the past in a period of time, judge whether this cell-phone number has the feature of application swindle; Then obtain historical consume record and the consumption details of all cell-phone numbers, and calculate the consumption proportion of voice, note and online respectively, obtain its level of consumption thus confirm the probability of credit fraud.By the comprehensive analysis to all cell-phone numbers communication information of different operators under user name and consumer record, more effectively credit evaluation can be carried out to applicant.Reach the object better credit of user assessed.
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
Accompanying drawing explanation
Fig. 1 is the process flow diagram utilizing the way of operator's different cell-phone number information evaluation user credit described in the embodiment of the present invention;
Fig. 2 is the theory diagram utilizing the device of operator's different cell-phone number information evaluation user credit described in the embodiment of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the preferred embodiments of the present invention are described, should be appreciated that preferred embodiment described herein is only for instruction and explanation of the present invention, is not intended to limit the present invention.
Now domestic operator is divided into movement, UNICOM, telecommunications, a lot of people has multiple phone number or has the phone number of different operators in same operator, jack per station may have different purposes, such as some number is in order to working relation, some number are mainly used to online, and some user also can handle other phone numbers and is used for doing bad purposes certainly.Consider foregoing, in the technical program, user is at online apply for loan and authorize lending agency to use operator's informaiton to after assessing oneself credit, the main dimension of operator's credit information of applicant makes from the cell-phone number that original user fills in the identity information that user fills in into, this identity information can be identification card number, driver license number or passport No. etc., lending agency can obtain all cell-phone numbers under this identification card number from three large operators, form a phone number collection, and obtain the detailed single information of all communications of this phone number and the detailed unirecord of charge of (such as 1 year) in the past period, comprehensive analysis is to judge the credit grade of user.As shown in Figure 1, concrete implementation procedure is as follows:
1) all cellphone informations of this user are obtained from three large operators:
Cell-phone numbers all this user name is obtained from operator, (be phoneList hereinafter referred to as this cell-phone number set) according to the identification card number that user fills in
2) obtain all cell-phone numbers a period of time (such as 1 year) interior detailed single information of all communications in the past, carry out application probability of cheating and judge:
From phoneList, choose each cell-phone number, in three large operators these cell-phone numbers of extraction in the past a period of time, the communication of (being exemplified as a year below) is single in detail, comprises the labors such as call, note, online, analyzes the feature whether it has application swindle.If the application cell-phone number that user fills in has good record, but its under one's name other cell-phone numbers have and obviously extremely use record, meet the feature of application swindle, so illustrate that this applicant needs to pay close attention to investigation.
3) obtain all cell-phone numbers a period of time (such as 1 year) interior detailed single information of all consumption in the past, carry out credit fraud probabilistic determination:
Each cell-phone number is chosen from phoneList, in three large operators these cell-phone numbers of extraction in the past a period of time, the consumption of (being exemplified as 1 year below) is single in detail, comprise the voice of every month, note, online cost, so just can obtain consumption total charge and voice, the note of this user, online total charge.According to consumption total charge and the monthly consumption total charge situation of change of user, consumption strength and the consumption stability indicator of user just can be obtained; Judge its voice, note simultaneously, online accounts for ratio in overall consumption to judge that applicant uses mobile phone whether to have abnormal behaviour.Only the consumption considering application cell-phone number by original and ratio make to consider consumption and the ratio of all cell-phone numbers of different operators under this application name into, the consuming capacity of this application people can be weighed better, thus judge the credit fraud probability of user more accurately.
As shown in Figure 2, a kind of device utilizing operator's different cell-phone number information evaluation user credit, comprising:
Acquisition module: all cellphone informations obtaining user from common carrier, forms cell-phone number set;
Communication judge module: to obtain in cell-phone number set all cell-phone numbers detailed single information of all communications in a period of time in the past, and carry out the judgement of application probability of cheating according to the detailed single information of all communications obtained;
Consumption judge module: to obtain in cell-phone number set all cell-phone numbers detailed single information of all consumption in a period of time in the past, and carry out credit fraud probabilistic determination according to the detailed single information of all consumption obtained.
Wherein, all cellphone informations that acquisition module obtains user from common carrier form cell-phone number set, are specially:
Obtain cell-phone numbers all this user name according to the identity information that user fills in from operator, form cell-phone number set;
Identity information comprises, identification card number, driver license number or passport No..
Communication judge module carries out application probability of cheating according to the detailed single information of all communications obtained and judges to be specially:
Each cell-phone number is chosen from cell-phone number set, the communication in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, and the feature whether having application swindle is singly analyzed in detail according to communication, if the application cell-phone number that user fills in has good record, but its under one's name except the application cell-phone number filled in other cell-phone numbers have and obviously extremely use record, then there is the suspicion of application swindle in this user, needs to pay close attention to investigation.
Preferably, described consumption judge module carries out credit fraud probabilistic determination be specially according to the detailed single information of all consumption obtained:
Each cell-phone number is chosen from cell-phone number set, the consumption in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, according to consumption total charge and the monthly consumption total charge situation of change of the user recorded in consumption in detail list, obtain consumption strength and the consumption stability indicator of user; Judge that user uses mobile phone whether to have abnormal behaviour according to voice, note and the online ratio accounted in overall consumption in consumption in detail list simultaneously.
Technical solution of the present invention is from considering to reduce the angle that application swindle and credit fraud occur, when using carrier data to judge that user applies for swindle, change original and judge that user applies for the log mode of cell-phone number, make all cell-phone numbers under inquiring user identity information into, record with consumption details single in detail in detail by analyzing all communications in the past period, better can reduce user and apply for swindle and credit fraud probability, thus better the credit of user be assessed.
Last it is noted that through the above description of the embodiments, those skilled in the art can be well understood to the mode that the present invention can add required general hardware platform by software and realize, hardware can certainly be passed through, but in a lot of situation, the former is better embodiment.Based on such understanding, technical scheme of the present invention can embody with the form of software product the part that prior art contributes in essence in other words, this computer software product is stored in a storage medium, comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform method described in each embodiment of the present invention.
Be only several specific embodiment of the present invention above, but the present invention is not limited thereto, the changes that any person skilled in the art can think of all should fall into protection scope of the present invention.
Claims (10)
1. utilize a way for operator's different cell-phone number information evaluation user credit, it is characterized in that, comprise the following steps:
A, obtain all cellphone informations of user from common carrier, form cell-phone number set;
B, to obtain in cell-phone number set all cell-phone numbers detailed single information of all communications in a period of time in the past, and carry out the judgement of application probability of cheating according to the detailed single information of all communications obtained;
C, to obtain in cell-phone number set all cell-phone numbers detailed single information of all consumption in a period of time in the past, and carry out credit fraud probabilistic determination according to the detailed single information of all consumption obtained.
2. the way utilizing operator's different cell-phone number information evaluation user credit according to claim 1, is characterized in that, obtain all cellphone informations of user from common carrier, forms cell-phone number set and is specially:
Obtain cell-phone numbers all this user name according to the identity information that user fills in from operator, form cell-phone number set.
3. the way utilizing operator's different cell-phone number information evaluation user credit according to claim 2, it is characterized in that, described identity information comprises, identification card number, driver license number or passport No..
4. the way utilizing operator's different cell-phone number information evaluation user credit according to claim 1, it is characterized in that, to obtain in cell-phone number set all cell-phone numbers detailed single information of all communications in a period of time in the past, and carry out the judgement of application probability of cheating according to the detailed single information of all communications obtained and be specially:
Each cell-phone number is chosen from cell-phone number set, the communication in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, and the feature whether having application swindle is singly analyzed in detail according to communication, if the application cell-phone number that user fills in has good record, but its under one's name except the application cell-phone number filled in other cell-phone numbers have and obviously extremely use record, then there is the suspicion of application swindle in this user, needs to pay close attention to investigation.
5. the way utilizing operator's different cell-phone number information evaluation user credit according to claim 4, it is characterized in that, the detailed single information of described communication comprises, call, note and internet information.
6. the way utilizing operator's different cell-phone number information evaluation user credit according to claim 1, it is characterized in that, to obtain in cell-phone number set all cell-phone numbers detailed single information of all consumption in a period of time in the past, and carry out credit fraud probabilistic determination according to the detailed single information of all consumption obtained and be specially:
Each cell-phone number is chosen from cell-phone number set, the consumption in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, according to consumption total charge and the monthly consumption total charge situation of change of the user recorded in consumption in detail list, obtain consumption strength and the consumption stability indicator of user; Judge that user uses mobile phone whether to have abnormal behaviour according to voice, note and the online ratio accounted in overall consumption in consumption in detail list simultaneously.
7. utilize a device for operator's different cell-phone number information evaluation user credit, it is characterized in that, comprising:
Acquisition module: all cellphone informations obtaining user from common carrier, forms cell-phone number set;
Communication judge module: to obtain in cell-phone number set all cell-phone numbers detailed single information of all communications in a period of time in the past, and carry out the judgement of application probability of cheating according to the detailed single information of all communications obtained;
Consumption judge module: to obtain in cell-phone number set all cell-phone numbers detailed single information of all consumption in a period of time in the past, and carry out credit fraud probabilistic determination according to the detailed single information of all consumption obtained.
8. the device utilizing operator's different cell-phone number information evaluation user credit according to claim 7, is characterized in that, all cellphone informations that described acquisition module obtains user from common carrier form cell-phone number set, are specially:
Obtain cell-phone numbers all this user name according to the identity information that user fills in from operator, form cell-phone number set;
Described identity information comprises, identification card number, driver license number or passport No..
9. the device utilizing operator's different cell-phone number information evaluation user credit according to claim 7, is characterized in that,
Described communication judge module carries out application probability of cheating according to the detailed single information of all communications obtained and judges to be specially:
Each cell-phone number is chosen from cell-phone number set, the communication in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, and the feature whether having application swindle is singly analyzed in detail according to communication, if the application cell-phone number that user fills in has good record, but its under one's name except the application cell-phone number filled in other cell-phone numbers have and obviously extremely use record, then there is the suspicion of application swindle in this user, needs to pay close attention to investigation.
10. the device utilizing operator's different cell-phone number information evaluation user credit according to claim 7, is characterized in that, described consumption judge module carries out credit fraud probabilistic determination according to the detailed single information of all consumption obtained and is specially:
Each cell-phone number is chosen from cell-phone number set, the consumption in the past in a period of time of the cell-phone number chosen is extracted single in detail from common carrier, according to consumption total charge and the monthly consumption total charge situation of change of the user recorded in consumption in detail list, obtain consumption strength and the consumption stability indicator of user; Judge that user uses mobile phone whether to have abnormal behaviour according to voice, note and the online ratio accounted in overall consumption in consumption in detail list simultaneously.
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| CN105844475A (en) * | 2016-03-17 | 2016-08-10 | 流量海科技成都有限公司 | Risk control method and risk control apparatus |
| WO2017202006A1 (en) * | 2016-05-25 | 2017-11-30 | 腾讯科技（深圳）有限公司 | Data processing method and device, and computer storage medium |
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| CN108270759A (en) * | 2017-01-03 | 2018-07-10 | 娄奥林 | A kind of method for detecting account number authenticity and validity |
| CN107220867A (en) * | 2017-04-20 | 2017-09-29 | 北京小度信息科技有限公司 | object control method and device |
| CN107563588A (en) * | 2017-07-25 | 2018-01-09 | 北京拓明科技有限公司 | A kind of acquisition methods of personal credit and acquisition system |
| CN109118058A (en) * | 2018-07-17 | 2019-01-01 | 中国联合网络通信集团有限公司 | A kind of reference method of big data |
| CN109041050A (en) * | 2018-08-02 | 2018-12-18 | 中国联合网络通信集团有限公司 | User's reference method, apparatus, equipment and readable storage medium storing program for executing |
| CN109041050B (en) * | 2018-08-02 | 2021-08-24 | 中国联合网络通信集团有限公司 | User credit investigation method, device, equipment and readable storage medium |
| CN109067640A (en) * | 2018-08-29 | 2018-12-21 | 中国联合网络通信集团有限公司 | The method and device of information push |
| CN109067640B (en) * | 2018-08-29 | 2021-02-26 | 中国联合网络通信集团有限公司 | Information pushing method and device |
| CN109636570A (en) * | 2018-10-25 | 2019-04-16 | 深圳壹账通智能科技有限公司 | Risk analysis method, device, equipment and the readable storage medium storing program for executing of cell-phone number |
| WO2020082557A1 (en) * | 2018-10-25 | 2020-04-30 | 深圳壹账通智能科技有限公司 | Risk analysis method, apparatus, and device for mobile phone number, and readable storage medium |
| CN110363439A (en) * | 2019-07-19 | 2019-10-22 | 山东浪潮人工智能研究院有限公司 | A kind of credit-graded approach based on consumer demographics' portrait |
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Application publication date: 20160113 |