CN106384284A - Method and system for improving credit checking efficiency through technology means - Google Patents
Method and system for improving credit checking efficiency through technology means Download PDFInfo
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- CN106384284A CN106384284A CN201610808365.6A CN201610808365A CN106384284A CN 106384284 A CN106384284 A CN 106384284A CN 201610808365 A CN201610808365 A CN 201610808365A CN 106384284 A CN106384284 A CN 106384284A
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- letter
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- technological means
- examine
- associated person
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The present invention discloses a method for improving credit checking efficiency through the technology means. The effect can be achieved that the authorization users' contacts can be obtained even there is no authorization. The method comprises the steps: (1) a network front asks users to authorize operators; (2) the authorization is successful, and a reptile grabs data; (3) it is determined whether the grabbing is successful or not, if the grabbing is successful, the step (4) is executed, or else, the step (5) is executed; (4) the grabbed data relation is stored to a neo4j map database; (5) the neo4j map database outputs contact information; (6) it is determined whether the contact information matches an existing black list or not, if the contact information matches an existing black list, the step (7) is executed, or else, the step (8) is executed; (7), the user's credit checking request is rejected; and (8): the process is end. The present invention further provides a system for improving credit checking efficiency through the technology means.
Description
Technical field
The present invention relates to the technical field of the Internet finance, more particularly, to one kind improve letter examination ＆ verification by technological means imitating
The method of rate, and improve, by technological means, the system that review efficiency examined by letter.
Background technology
Credit reviews is the key link of bank credit risk control, as the optimal working condition of audit crew is exactly
The good risk of control, cuts down high for overdue rate, low for overdue rate is pushed to.But when really doing, it finds that
Thing is also not so simple, and one is risk is not so easy control, because of experience and limited in one's ability, have ignored
Hiding risk, leads to go wrong；Another is risk control and business development is one and complements each other but sometimes again mutual
The thing of contradiction, thinks that control risk is stricter, traffic pressure again can be very heavy.Based on this, automatization improves the careful efficiency of letter and is exactly
Be eager solve a problem.But letter improves in automatization, and the careful efficiency most important point is：Whether there is enough information.This
Wherein just include a bit, the associated person information of the person of being reviewed.If having several blacklists that are belonging in contact person, then examined
The probability that core person belongs to blacklist will be larger, so it is enough to be accomplished by contact person.
Content of the invention
For overcoming the defect of prior art, the technical problem to be solved in the present invention be there is provided one kind and carried by technological means
The method that review efficiency examined by high letter, even if it can reach with no authorized can also obtain the effect with the contact person of authorized user
Really.
The technical scheme is that：This method improving the careful review efficiency of letter by technological means, the method includes
Following steps：
(1) Website front-end requires user to authorize operator；
(2) authorize successfully, crawler capturing data；
(3) judge crawl whether success, be then execution step (4), otherwise execution step (5)；
(4) data relationship of crawl is stored neo4j chart database；
(5) neo4j chart database output associated person information；
(6) judge whether mate with existing blacklist in associated person information, be then execution step (7), otherwise execution step
(8)；
(7) request examined by the letter of refusal user；
(8) terminate.
The present invention authorizes mobile phone operators by user, gets message registration, then stores data into neo4j figure number
According to storehouse, judge whether to mate with existing blacklist in associated person information, be that the letter of then refusal user examines request, therefore, it is possible to reach
Even if the effect with the contact person of authorized user can also be obtained to no authorized.
Additionally provide a kind of system improving the careful review efficiency of letter by technological means, this system includes：
Website front-end, its configuration carrys out requirement user and authorizes operator；
Crawler capturing module, it configures and to capture data；
Neo4j chart database, it configures and to store the data relationship of crawl, and exports associated person information；
Auditing module examined by letter, and it is configured and to judge whether mated with existing blacklist in associated person information, is that then refusal is used
Request examined by the letter at family, otherwise terminates.
Brief description
Fig. 1 show and improves, by technological means, the flow chart that the method for review efficiency examined by letter according to the present invention.
Specific embodiment
As shown in figure 1, this improve the method that review efficiency examined by letter by technological means, the method comprises the following steps：
(1) Website front-end requires user to authorize operator；
(2) authorize successfully, crawler capturing data；
(3) judge crawl whether success, be then execution step (4), otherwise execution step (5)；
(4) data relationship of crawl is stored neo4j chart database；
(5) neo4j chart database output associated person information；
(6) judge whether mate with existing blacklist in associated person information, be then execution step (7), otherwise execution step
(8)；
(7) request examined by the letter of refusal user；
(8) terminate.
The present invention authorizes mobile phone operators by user, gets message registration, then stores data into neo4j figure number
According to storehouse, judge whether to mate with existing blacklist in associated person information, be that the letter of then refusal user examines request, therefore, it is possible to reach
Even if the effect with the contact person of authorized user can also be obtained to no authorized.
In addition, the associated person information of described step (5) includes name and cell-phone number.
In addition, the letter of the refusal user of described step (7) examines request for closing the file of submitting to a higher level for approval or revision of user.
In addition, the method executes without interruption, so that accumulation data.
It will appreciated by the skilled person that it is permissible for realizing all or part of step in above-described embodiment method
Instruct related hardware to complete by program, described program can be stored in a computer read/write memory medium,
Upon execution, including each step of above-described embodiment method, and described storage medium can be this program：ROM/RAM, magnetic
Dish, CD, storage card etc..Therefore, corresponding with the method for the present invention, the present invention also includes one kind simultaneously and passes through technological means
Improve the system that review efficiency examined by letter, this system is generally represented in the form of the functional module corresponding with each step of method.Make
With the system of the method, this system includes：
Website front-end, its configuration carrys out requirement user and authorizes operator；
Crawler capturing module, it configures and to capture data；
Neo4j chart database, it configures and to store the data relationship of crawl, and exports associated person information；
Auditing module examined by letter, and it is configured and to judge whether mated with existing blacklist in associated person information, is that then refusal is used
Request examined by the letter at family, otherwise terminates.
In addition, described associated person information includes name and cell-phone number.
In addition, auditing module examined by described letter is to close the file of submitting to a higher level for approval or revision of user.
Traditional method is to be authorized using operator, if capturing successfully, can only take the contact of the people specifically grabbing
People's information；If crawl is unsuccessful, just do not get associated person information.After neo4j, because relevant between each phone
System.If others authorized in the past, rang to the people of current crawl failure, that is, set up contact, then be just permissible
By neo4j, contact person before is found out.
The above, be only presently preferred embodiments of the present invention, and not the present invention is made with any pro forma restriction, every according to
Any simple modification, equivalent variations and modification above example made according to the technical spirit of the present invention, all still belongs to the present invention
The protection domain of technical scheme.
Claims (7)
1. a kind of by technological means improve letter examine review efficiency method it is characterised in that：The method comprises the following steps：
(1) Website front-end requires user to authorize operator；
(2) authorize successfully, crawler capturing data；
(3) judge crawl whether success, be then execution step (4), otherwise execution step (5)；
(4) data relationship of crawl is stored neo4j chart database；
(5) neo4j chart database output associated person information；
(6) judge whether mate with existing blacklist in associated person information, be then execution step (7), otherwise execution step (8)；
(7) request examined by the letter of refusal user；
(8) terminate.
2. according to claim 1 by technological means improve letter examine review efficiency method it is characterised in that：Described step
Suddenly the associated person information of (5) includes name and cell-phone number.
3. according to claim 2 by technological means improve letter examine review efficiency method it is characterised in that：Described step
Suddenly the letter of the refusal user of (7) examines request for closing the file of submitting to a higher level for approval or revision of user.
4. according to claim 3 by technological means improve letter examine review efficiency method it is characterised in that：The method
Execute without interruption, so that accumulation data.
5. a kind of by technological means improve letter examine review efficiency system it is characterised in that：This system includes：
Website front-end, its configuration carrys out requirement user and authorizes operator；
Crawler capturing module, it configures and to capture data；
Neo4j chart database, it configures and to store the data relationship of crawl, and exports associated person information；
Auditing module examined by letter, and it is configured and to judge whether mated with existing blacklist in associated person information,
It is the careful request of letter of then refusal user, otherwise terminate.
6. according to claim 5 by technological means improve letter examine review efficiency system it is characterised in that：Described
It is that people's information includes name and cell-phone number.
7. according to claim 6 by technological means improve letter examine review efficiency system it is characterised in that：Described letter
Careful auditing module is to close the file of submitting to a higher level for approval or revision of user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610808365.6A CN106384284A (en) | 2016-09-07 | 2016-09-07 | Method and system for improving credit checking efficiency through technology means |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610808365.6A CN106384284A (en) | 2016-09-07 | 2016-09-07 | Method and system for improving credit checking efficiency through technology means |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106384284A true CN106384284A (en) | 2017-02-08 |
Family
ID=57939106
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610808365.6A Pending CN106384284A (en) | 2016-09-07 | 2016-09-07 | Method and system for improving credit checking efficiency through technology means |
Country Status (1)
| Country | Link |
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| CN (1) | CN106384284A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107767020A (en) * | 2017-09-11 | 2018-03-06 | 深圳市买买提乐购金融服务有限公司 | Data processing method and data processing equipment |
| CN110111194A (en) * | 2019-04-01 | 2019-08-09 | 北京羽乐创新科技有限公司 | Number appraisal procedure and device |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463668A (en) * | 2014-10-24 | 2015-03-25 | 南京邦科威信息科技有限公司 | Online credit checking method and device |
| CN105701706A (en) * | 2016-01-28 | 2016-06-22 | 北京量科邦信息技术有限公司 | A method for determining the credit rating of a user according to credit standing of contact persons |
| CN105787794A (en) * | 2016-02-02 | 2016-07-20 | 成都市泰牛科技股份有限公司 | System and method based on consumption load service management mode |
-
2016
- 2016-09-07 CN CN201610808365.6A patent/CN106384284A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463668A (en) * | 2014-10-24 | 2015-03-25 | 南京邦科威信息科技有限公司 | Online credit checking method and device |
| CN105701706A (en) * | 2016-01-28 | 2016-06-22 | 北京量科邦信息技术有限公司 | A method for determining the credit rating of a user according to credit standing of contact persons |
| CN105787794A (en) * | 2016-02-02 | 2016-07-20 | 成都市泰牛科技股份有限公司 | System and method based on consumption load service management mode |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107767020A (en) * | 2017-09-11 | 2018-03-06 | 深圳市买买提乐购金融服务有限公司 | Data processing method and data processing equipment |
| CN110111194A (en) * | 2019-04-01 | 2019-08-09 | 北京羽乐创新科技有限公司 | Number appraisal procedure and device |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB03 | Change of inventor or designer information |
Inventor after: Zhao Yulong Inventor after: Wang Xuefei Inventor after: Yin Gongjing Inventor before: Zhou Hao Inventor before: Zhao Yulong Inventor before: Wang Xuefei Inventor before: Yin Gongjing |
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| CB03 | Change of inventor or designer information | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20200415 Address after: No. 10, Gaosi village, Guolou administrative village, wulikou Township, Taikang County, Zhoukou City, Henan Province Applicant after: Kang Nannan Address before: 100080 Haidian District Danleng street Beijing City No. 1 Internet Financial Center 11 1102 Applicant before: BEIJING LIANGKEBANG INFORMATION TECHNOLOGY Co.,Ltd. |
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| TA01 | Transfer of patent application right | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170208 |
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| RJ01 | Rejection of invention patent application after publication |