CN106600414A - Service processing method and device - Google Patents
Service processing method and device Download PDFInfo
- Publication number
- CN106600414A CN106600414A CN201510680456.1A CN201510680456A CN106600414A CN 106600414 A CN106600414 A CN 106600414A CN 201510680456 A CN201510680456 A CN 201510680456A CN 106600414 A CN106600414 A CN 106600414A
- Authority
- CN
- China
- Prior art keywords
- information
- data
- account
- approval
- target service
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q40/08—Insurance
-
- 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
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
- G06Q30/0637—Approvals
Abstract
The invention provides a service processing method and device. The method comprises that account information of a target service object is obtained; related approval data is obtained according to the account information; whether the target service object satisfies an insuring standard is determined according to the approval data; and if the target service object satisfies the insuring standard, related insuring operations are executed. Via an approval scheme of a guarantee fund insurance, approval data related to the target service object is obtained in real time on the basis of big data, a user needs not to submit related materials to obtain an approval result before applying for insuring the guarantee fund, the insurance approval cost is reduced, and user experience is improved greatly. A guarantee fund insurance service can be provided for target service objects that satisfy the guarantee fund insuring standard but not get the insurance, and the insurance conversion rate of an e-commerce platform is improved.
Description
Technical field
The application is related to networking technology area, more particularly to a kind of method and device for business processing.
Background technology
With Internet era arrival, Internet service development advances by leaps and bounds, people can by interconnection
Net realizes increasing business operation, such as：Dealing commodity, taking out insurances etc..In correlation technique,
When user will be insured by the Internet, generally require user and submit related examination ＆ verification material to online, with
Audited for insurance company, and provide insurance related business by rear line in examination ＆ verification.However,
In such implementation, user generally requires the various msu message of entry item, and provides correlation
Testimonial material, and Review Cycle is longer, experiences poor for a user.
The content of the invention
In view of this, the application provides a kind of method and device for business processing.
Specifically, the application is achieved by the following technical solution：
A kind of method for processing business, methods described includes：
Obtain the account information of target service object；
Related approval data are obtained according to the account information；
Judge whether the target service object meets taking out insurances standard according to the approval data；
If the target service object meets taking out insurances standard, the associative operation of taking out insurances is performed.
A kind of business processing device, described device includes：
Account acquiring unit, obtains the account information of target service object；
Data capture unit, according to the account information related approval data are obtained；
Insure judging unit, judge whether the target service object meets insurance according to the approval data
Insure standard；
Insure performance element, when the target service object meets taking out insurances standard, perform insurance and throw
The associative operation of guarantor.
By above description as can be seen that the guarantee fund danger core that the application is provided protects scheme, can be based on big number
The related of target service object is obtained when factually and checks and approves data, submit to the associated materials just can be without the need for user
User's application is insured, and guarantee fund danger is front to determine auditing result, reduces core guaranteed cost, and drastically increases
The experience of user.Meanwhile, nearly insure standard but the target service not yet insured for meeting guarantee fund
Object can also push guarantee fund danger business, so as to improve electric business platform insurance conversion ratio.
Description of the drawings
Fig. 1 is a kind of schematic flow sheet of the Business Processing shown in the exemplary embodiment of the application one.
Fig. 2 is that the one kind shown in the exemplary embodiment of the application one judges whether target service object meets guarantor
The schematic flow sheet of the dangerous standard of insuring of card gold.
Fig. 3 is that a kind of structure for business processing device shown in the exemplary embodiment of the application one is shown
It is intended to.
Fig. 4 is a kind of structural representation of the business processing device shown in the exemplary embodiment of the application one.
Specific embodiment
Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following
When description is related to accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represent same or analogous
Key element.Embodiment described in following exemplary embodiment does not represent the institute consistent with the application
There is embodiment.Conversely, they are only with described in detail in such as appended claims, the application
The example of the consistent apparatus and method of a little aspects.
It is, only merely for the purpose of description specific embodiment, and to be not intended to be limiting in term used in this application
The application." one kind ", " institute of the singulative used in the application and appended claims
State " and " being somebody's turn to do " be also intended to include most forms, unless context clearly shows that other implications.Should also
Work as understanding, term "and/or" used herein is referred to and associated lists item comprising one or more
Purpose any or all may combination.
It will be appreciated that though may describe various using term first, second, third, etc. in the application
Information, but these information should not necessarily be limited by these terms.These terms only be used for by same type of information that
This is distinguished.For example, in the case of without departing from the application scope, the first information can also be referred to as
Two information, similarly, the second information can also be referred to as the first information.Depending on linguistic context, as in this institute
Use word " if " can be construed to " and ... when " or " when ... when " or " response
In it is determined that ".
Fig. 1 is a kind of schematic flow sheet of the method for processing business shown in the exemplary embodiment of the application one.
Fig. 1 is refer to, the method for processing business can be used in server, including following steps：
Step 101, obtains the account information of target service object.
In the present embodiment, server check and approve target service object whether meet taking out insurances standard when (with
Lower abbreviation：Core is protected), can first obtain the account information of target service object, the account information can be with
Including：Account title, account ID etc. are capable of the information of unique mark account.The target service object
Can include all in the user account of server registration, which includes not yet place insurance business
User account, also includes the user account of place insurance business.Such as：Server can be based on
The account information of all registered user accounts of big data technical limit spacing.
Step 102, according to the account information related approval data are obtained.
In the present embodiment, server can obtain related approval number according to the account information for getting
According to, the related data for checking and approving data for needed for core guarantor, such as：Server can be based on big data skill
Art obtains the corresponding newest related approval data of the account information.
Wherein, the related data of checking and approving can be advance according to the specific category of insurance business by developer
It is configured, such as：The data of checking and approving can generally include the credit history number of target service object
According to the data of multiple dimensions such as, account related data.In practical implementations, or it is different types of
Target service object arranges different related approval data, and the application is not particularly limited to this.
Step 103, judges whether the target service object meets taking out insurances according to the approval data
Standard.
Based on abovementioned steps 102, server can first determine after the related approval data are got
Each is checked and approved, and data are corresponding to check and approve parameter and its weight, and then the approval parameter is weighted
The approval score value of the target service object, and by judging whether the approval score value meets default bar
Part is determining whether the target service object meets taking out insurances standard.
Step 104, if the target service object meets taking out insurances standard, performs taking out insurances
Associative operation.
Based on the judged result of abovementioned steps 103, when the target service object meets taking out insurances standard
When, the associative operation of taking out insurances can be performed, such as：To the target service Object Push not yet insured
Insurance business etc..
By above description as can be seen that the application can be based on big data technology according to target service object
Account information is that target service object acquisition is related checks and approves data, and according to approval data determination
When target service object meets taking out insurances standard, the associative operation of taking out insurances is performed, and then can be
Determine whether target service object meets taking out insurances standard before target service object application place insurance business,
Solve the problems, such as that Review Cycle is long, meanwhile, whole process is submitted to without the need for user and provides material, is carried significantly
The experience of user is risen.
The application is described with reference to specific application scenarios realizes process.
In the present embodiment, illustrate so that insurance business is for guarantee fund danger as an example.The guarantee fund is nearly
To a kind of insurance business that the seller during the Internet commodity transaction provides.Specifically, based on the Internet
The characteristic such as commodity transaction is invisible, to guarantee the interests of consumer, third party transaction platform generally requires to sell
Family pays a guarantee fund when shop is opened up, so as to when there is dispute, it is possible to use guarantee fund offsets
Expense person is compensated.However, in the related, seller needs payment paid up guarantee fund, for some
Specific experience classification, it is ensured that the amount of gold is higher, improves the experience cost of seller, or even can affect
The business progress of seller.To solve the above problems, credit assurance gold danger business operation and give birth to, insurance company
Can be when approval seller meets taking out insurances standard, for the guarantee fund that seller provides certain accrediting amount.
During guarantee fund nearly implements, the core for whether meeting seller the standard of insuring of guarantee fund danger protects process
It is particularly important, follow-up insurance benefits risk and recovery success rate will be directly affected.
In the present embodiment, judge whether target service object meets guarantee fund and nearly insure the process of standard
Journey is as shown in Fig. 2 may comprise steps of：
Step 201, obtains the account information of target service object.
In the present embodiment, the target service object can include all registered user accounts, with
As a example by Taobao, server can pass through all user accounts of default mandate interface acquisition Taobao
Account information, such as：Account ID.
Step 202, according to the account information account type of the target service object is determined.
Based on abovementioned steps 201, account information of the server in all user accounts for getting Taobao
Afterwards, the account type of concerned account numbers can be judged according to the account information.The account type can be wrapped
Include：New seller and storage seller.
Wherein, new seller's correspondence not yet opens up the user account in shop, i.e., new seller is in commodity transaction
During current business role be only buyer, but future may become seller, that is to say, that it is described
New seller's future may buy guarantee fund danger, be the target service object of guarantee fund danger.The storage is sold
Family's correspondence has opened up the user account in shop, i.e. current business angle of the storage seller during commodity transaction
Color is seller, it is of course also possible to be buyer, the storage seller may have purchased guarantee fund danger,
Future may may proceed to buy (continuation of insurance), and the storage seller is likely to also not buy guarantee fund danger,
Future may select purchase, therefore, the storage seller is also the target service object of guarantee fund danger.
Step 203, obtains related approval data corresponding to the account type.
Based on abovementioned steps 202, it is determined that can be described after the account type of Taobao's user account
User account obtains the corresponding related approval data of its account type.
Specifically, in this step, when the account type is new seller, with the account type pair
The related data of checking and approving answered can include：First user data, the first credit history data, the first account
Related data.
Wherein, the first user data can include：The age information of user, regional information, individual
Characteristic information, personally identifiable information etc..Specifically, the age information of the user is usually user account
The age of registrant.The regional information can be the information of account registered place, or user's is normal
Guard station location etc..Personal characteristics's information can reflect the personal characteristics of user, such as：Jing often buys coloured silk
Ticket, the user of network game have higher risk partiality, and server can obtain user's purchase lottery ticket, network game
The information such as frequency.The personally identifiable information can include：User account be whether real-name authentication and
Real-name authentication duration etc..
The first credit history data can include：The credit information of user, user's going through as buyer
Credit information for the user that history trading activity information is associated with user etc..Specifically, the user
Credit information can be the information of user's history loan, such as：Repayment situation, violation of agreement etc..It is described
Historical trading behavioural information can be user as trading activity information during buyer, such as：Wash sale
Ratio, transaction preference etc..The credit information of the association user can be other use strongly connected with user
The credit information at family, such as：Promise breaking information of user good friend etc..
The first account related data can include：The safety information of user account, the work of user account
Jerk information etc..Specifically, the safety information of the user account can include logging in the safety letter of environment
Breath, such as：Device identification, IP address of User logs in equipment etc. can reflect the letter for logging in environmental risk
Breath.The liveness information of the user account can include：The usage frequency of user account, user account
The quantity and account relating business of binding bank card enlivens information, such as：With Taobao account relating
Alipay business enlivens information etc..
In this step, when the account type is storage seller, phase corresponding with the account type
Closing approval data can include：Second user data, the second credit history data, operation data,
Second account related data.
Wherein, the second user data can include：Regional information, operation category information, seller shop
Paving related physical information etc..Specifically, the regional information can be the registered place in seller shop.It is described
Seller shop related physical information can include：The star in seller shop, scoring, storekeeper's age, run a shop
Duration etc..
The second credit history data can include：Finance does not enter information, credit promise breaking information etc..Tool
Body ground, the finance does not enter information can include Taobao's blacklist, Alipay blacklist, insurance fraud blacklist
Deng.The credit promise breaking information can include：Freight charges danger rate of being in danger, guarantee fund danger rate of being in danger, disobey
About probability etc..
The operation data include：Transaction Information, related punishment information in preset time period etc..
Transaction Information in the preset time period can include effective dealing money in preset time period, default
What guarantee fund compensated in the reimbursement rate, preset time period in the time period recovers different in rate, preset time period
Normal ratio of exchange etc..The related punishment information can include：Infringement punishment number of times etc..
The second account related data can include：Account number safety information etc..Second account is related
Account number safety information in data and the account number safety information in the first account related data can with identical,
This is no longer going to repeat them for the application.
In this step, server can be based on big data technology from the related server for checking and approving data of storage
Or obtain in data base and newest related check and approve data.
In the present embodiment, experience behavior, account physical attribute, the gold of target service object can be passed through
Melt multiple dimensions such as attribute, social network relationships and determine that core protects result, substantially increase the standard that core protects result
True property.
Step 204, determines that each checks and approves the corresponding approval parameter of data and weight.
Based on abovementioned steps 203, after the corresponding related approval data of account type are got, in this step
In rapid, it may be determined that each is checked and approved, and data are corresponding to check and approve parameter and weight.
In the present embodiment, for the approval data of each dimension, can be determined according to default model should
Check and approve the corresponding approval parameter of data.
In one example, it is assumed that account type is new seller, when it is age information to check and approve data, clothes
Business device is after age of user is got, and the mapping table that can pass through to search the default age with check and approve parameter is true
The corresponding approval parameter of dating, such as：When the age being 30, it is 1 to check and approve parameter, is 40 when the age
When, it is 2 etc. to check and approve parameter.
In another example, it is assumed that account type is storage seller, believe to manage classification when data are checked and approved
During breath, can pass through to search and manage classification and manage the corresponding approval of classification with the mapping table determination for checking and approving parameter
Parameter, such as：When it is clothing to manage classification, it is 3 to check and approve parameter, when it is food to manage classification,
It is 6 etc. to check and approve parameter.
It is preset time period when data are checked and approved in another example, it is assumed that account type is storage seller
During interior Transaction Information, effective dealing money, reimbursement rate, guarantee fund that can be in the Transaction Information
That what is compensated recovers the data such as rate, and with reference to related mathematical model corresponding approval parameter is calculated.
Determine that other corresponding processes for checking and approving parameter of approval data are similar with aforesaid way, the application is to this
No longer repeat one by one.It should be noted that the exemplary only explanation of foregoing description, does not represent true
Data.
In the present embodiment, server is also based on logistic regression coefficient and information value
The analysis of (Information Value, IV) determines that in real time each checks and approves the corresponding newest weight of data.
Step 205, the core of target service object according to the approval parameter and the weight calculation
Quasi- score value.
In the present embodiment, the approval score value of target service object can be calculated by way of weighting.Plus
Weighing formula can be：S=W1×X1+W2×X2+…+Wi×Xi, wherein, S represents target service
The approval score value of object, XiRepresent i-th and check and approve the corresponding approval parameter of data, WiRepresent i-th approval
The corresponding weight of data, the maximum occurrences of i are to check and approve the number of dimensions of data.
Step 206, when the approval score value meets default condition, determines the target service object
Meet taking out insurances standard.
Based on abovementioned steps 205, after the approval score value of target service object is calculated, it can be determined that
Whether the approval score value meets default condition, when the approval score value meets default condition, can
Insured standard with determining that the target service object meets insured amount, when the approval score value be unsatisfactory for it is pre-
If condition when, it may be determined that the target service object does not meet insured amount and insures standard.Wherein,
The default condition can be configured by developer, such as：More than or equal to first threshold or little
In equal to Second Threshold etc., specifically can be configured according to determination method for parameter is checked and approved, the application couple
This is not particularly limited.
Step 207, the associative operation that performance bonding is nearly insured.
Based on abovementioned steps 206, it is determined that target service object meet guarantee fund nearly insure standard when, can
The associative operation nearly insured with performance bonding, such as：To the target industry for not yet adding guarantee fund danger business
Business of business Object Push guarantee fund danger etc..
By above description as can be seen that the guarantee fund danger core that the application is provided protects scheme, can be based on big number
The related of target service object is obtained when factually and checks and approves data, submit to the associated materials just can be without the need for user
User's application is insured, and guarantee fund danger is front to determine auditing result, reduces core guaranteed cost, and drastically increases
The experience of user.Meanwhile, nearly insure standard but the target service not yet insured for meeting guarantee fund
Object can also push guarantee fund danger business, so as to improve electric business platform insurance conversion ratio.
It is corresponding with the embodiment of aforementioned method for processing business, present invention also provides business processing device
Embodiment.
The embodiment of the application business processing device can be using on the server.Device embodiment can lead to
Cross software realization, it is also possible to realize by way of hardware or software and hardware combining.As a example by implemented in software,
It is by non-volatile memories by the processor of its place server as the device on a logical meaning
Corresponding computer program instructions read what operation in internal memory was formed in device.From for hardware view, such as
It is a kind of hardware structure diagram of the application business processing device place server, except Fig. 3 shown in Fig. 3
Outside shown processor, internal memory, network interface and nonvolatile memory, device in embodiment
The server at place can also include other hardware, to this not generally according to the actual functional capability of the server
Repeat again.
Fig. 4 is a kind of structural representation of the business processing device shown in the exemplary embodiment of the application one.
Fig. 4 is refer to, the business processing device 300 can be applied in the server shown in aforementioned Fig. 3
In, include：Account acquiring unit 301, data capture unit 302, insure judging unit 303 and
Insure performance element 304.
Wherein, the account acquiring unit 301, obtains the account information of target service object；
The data capture unit 302, according to the account information related approval data are obtained；
Whether the judging unit 303 of insuring, the target service object is judged according to the approval data
Meet taking out insurances standard；
The performance element 304 of insuring, when the target service object meets taking out insurances standard, holds
The associative operation of row taking out insurances.
Optionally, the judging unit 303 of insuring, specifically determines that each is checked and approved corresponding approval of data and joins
Number and weight；
The approval score value of target service object according to the approval parameter and the weight calculation；
When the approval score value meets default condition, determine that the target service object meets insurance and throws
Guarantor's standard.
Optionally, the judging unit 303 of insuring, is specifically based on logistic regression coefficient and information value
Determine that each checks and approves the corresponding weight of data.
Optionally, the data capture unit 302, with specific reference to the account information target is determined
The account type of business object；
Obtain related approval data corresponding to the account type.
Optionally, when the account type is new seller, related approval corresponding to the account type
Data include：First user data, the first credit history data, the first account related data；
When the account type is storage seller, related approval packet corresponding to the account type
Include：Second user data, the second credit history data, operation data, the second account related data.
Optionally, the first user data include：Age information, regional information, personal characteristics's information,
Personally identifiable information；
The first credit history data include：Credit information, historical trading behavioural information, association user
Credit information；
The first account related data includes：Account number safety information, account liveness information；
The second user data include：Regional information, operation category information, seller shop related physical
Information；
The second credit history data include：Finance does not enter information, credit promise breaking information；
The operation data include：Transaction Information, related punishment information in preset time period；
The second account related data includes：Account number safety information.
Optionally, the performance element 304 of insuring, specifically to the target service Object Push not yet insured
Insurance business.
The function of unit and effect realizes that process specifically refers in said method correspondence in said apparatus
Step realizes process, will not be described here.
For device embodiment, because it corresponds essentially to embodiment of the method, so related part ginseng
See the part explanation of embodiment of the method.Device embodiment described above is only schematic,
It is wherein described as separating component explanation unit can be or may not be it is physically separate, make
Can be for the part that unit shows or may not be physical location, you can with positioned at a place,
Or can also be distributed on multiple NEs.Can select according to the actual needs part therein or
Person's whole module is realizing the purpose of application scheme.Those of ordinary skill in the art are not paying creativeness
In the case of work, you can to understand and implement.
The preferred embodiment of the application is the foregoing is only, it is all at this not to limit the application
Within the spirit and principle of application, any modification, equivalent substitution and improvements done etc. should be included in
Within the scope of the application protection.
Claims (14)
1. a kind of method for processing business, it is characterised in that methods described includes：
Obtain the account information of target service object；
Related approval data are obtained according to the account information；
Judge whether the target service object meets taking out insurances standard according to the approval data；
If the target service object meets taking out insurances standard, the associative operation of taking out insurances is performed.
2. method according to claim 1, it is characterised in that described to be sentenced according to the approval data
Whether the target service object that breaks meets taking out insurances standard, including：
Determine that each checks and approves the corresponding approval parameter of data and weight；
The approval score value of target service object according to the approval parameter and the weight calculation；
When the approval score value meets default condition, determine that the target service object meets insurance and throws
Guarantor's standard.
3. method according to claim 2, it is characterised in that the determination each check and approve data pair
The weight answered, including：
Logic-based regression coefficient and information value determine that each checks and approves the corresponding weight of data.
4. method according to claim 1, it is characterised in that described to be obtained according to the account information
Related approval data are taken, including：
The account type of the target service object is determined according to the account information；
Obtain related approval data corresponding to the account type.
5. method according to claim 4, it is characterised in that
When the account type is new seller, related approval data corresponding to the account type include：
First user data, the first credit history data, the first account related data；
When the account type is storage seller, related approval packet corresponding to the account type
Include：Second user data, the second credit history data, operation data, the second account related data.
6. method according to claim 5, it is characterised in that
The first user data include：Age information, regional information, personal characteristics's information, the individual person
Part information；
The first credit history data include：Credit information, historical trading behavioural information, association user
Credit information；
The first account related data includes：Account number safety information, account liveness information；
The second user data include：Regional information, operation category information, seller shop related physical
Information；
The second credit history data include：Finance does not enter information, credit promise breaking information；
The operation data include：Transaction Information, related punishment information in preset time period；
The second account related data includes：Account number safety information.
7. method according to claim 1, it is characterised in that the correlation of the execution taking out insurances
Operation, including：
To the target service Object Push insurance business not yet insured.
8. a kind of business processing device, it is characterised in that described device includes：
Account acquiring unit, obtains the account information of target service object；
Data capture unit, according to the account information related approval data are obtained；
Insure judging unit, judge whether the target service object meets insurance according to the approval data
Insure standard；
Insure performance element, when the target service object meets taking out insurances standard, perform insurance and throw
The associative operation of guarantor.
9. device according to claim 8, it is characterised in that
The judging unit of insuring, specifically determines that each checks and approves the corresponding approval parameter of data and weight；
The approval score value of target service object according to the approval parameter and the weight calculation；
When the approval score value meets default condition, determine that the target service object meets insurance and throws
Guarantor's standard.
10. device according to claim 9, it is characterised in that
The judging unit of insuring, is specifically based on logistic regression coefficient and information value determines each approval
The corresponding weight of data.
11. devices according to claim 8, it is characterised in that
The data capture unit, with specific reference to the account information account of the target service object is determined
Number type；
Obtain related approval data corresponding to the account type.
12. devices according to claim 11, it is characterised in that
When the account type is new seller, related approval data corresponding to the account type include：
First user data, the first credit history data, the first account related data；
When the account type is storage seller, related approval packet corresponding to the account type
Include：Second user data, the second credit history data, operation data, the second account related data.
13. devices according to claim 12, it is characterised in that
The first user data include：Age information, regional information, personal characteristics's information, the individual person
Part information；
The first credit history data include：Credit information, historical trading behavioural information, association user
Credit information；
The first account related data includes：Account number safety information, account liveness information；
The second user data include：Regional information, operation category information, seller shop related physical
Information；
The second credit history data include：Finance does not enter information, credit promise breaking information；
The operation data include：Transaction Information, related punishment information in preset time period；
The second account related data includes：Account number safety information.
14. devices according to claim 8, it is characterised in that
The performance element of insuring, specifically to the target service Object Push insurance business not yet insured.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510680456.1A CN106600414A (en) | 2015-10-19 | 2015-10-19 | Service processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510680456.1A CN106600414A (en) | 2015-10-19 | 2015-10-19 | Service processing method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106600414A true CN106600414A (en) | 2017-04-26 |
Family
ID=58555051
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510680456.1A Pending CN106600414A (en) | 2015-10-19 | 2015-10-19 | Service processing method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106600414A (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108038597A (en) * | 2017-11-30 | 2018-05-15 | 平安养老保险股份有限公司 | Insurance risk control method, device, computer equipment and storage medium |
| CN109118375A (en) * | 2018-08-13 | 2019-01-01 | 泰康保险集团股份有限公司 | It insures processing method, device, medium and electronic equipment |
| CN109636578A (en) * | 2018-10-25 | 2019-04-16 | 平安科技（深圳）有限公司 | Risk checking method, device, equipment and the readable storage medium storing program for executing of credit information |
| CN109670974A (en) * | 2018-12-14 | 2019-04-23 | 中国平安人寿保险股份有限公司 | A kind of risk monitoring and control method and device, electric terminal |
| CN109726883A (en) * | 2018-03-29 | 2019-05-07 | 中国平安财产保险股份有限公司 | A kind of risk management and control method of insurance business, device, equipment and storage medium |
| WO2019196544A1 (en) * | 2018-04-12 | 2019-10-17 | 阿里巴巴集团控股有限公司 | Service risk control method and apparatus |
| CN110706117A (en) * | 2019-08-22 | 2020-01-17 | 中国平安财产保险股份有限公司 | Business processing method, device, computer device and storage medium |
| CN111210227A (en) * | 2018-11-22 | 2020-05-29 | 重庆小雨点小额贷款有限公司 | Data processing method and device, server and computer readable storage medium |
| CN111681004A (en) * | 2020-04-24 | 2020-09-18 | 厦门美柚股份有限公司 | Business wind control method and system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101546415A (en) * | 2008-03-11 | 2009-09-30 | 霍尼韦尔国际公司 | Method and system for mitigating risk in issuing insurance |
| CN102713960A (en) * | 2009-08-17 | 2012-10-03 | 大都会人寿保险公司 | Online system and method of insurance underwriting |
| CN103886503A (en) * | 2012-12-19 | 2014-06-25 | 中保保险经纪人股份有限公司 | Travel insurance fast insuring device and method |
| CN104834983A (en) * | 2014-12-25 | 2015-08-12 | 平安科技（深圳）有限公司 | Business data processing method and device |
-
2015
- 2015-10-19 CN CN201510680456.1A patent/CN106600414A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101546415A (en) * | 2008-03-11 | 2009-09-30 | 霍尼韦尔国际公司 | Method and system for mitigating risk in issuing insurance |
| CN102713960A (en) * | 2009-08-17 | 2012-10-03 | 大都会人寿保险公司 | Online system and method of insurance underwriting |
| CN103886503A (en) * | 2012-12-19 | 2014-06-25 | 中保保险经纪人股份有限公司 | Travel insurance fast insuring device and method |
| CN104834983A (en) * | 2014-12-25 | 2015-08-12 | 平安科技（深圳）有限公司 | Business data processing method and device |
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108038597A (en) * | 2017-11-30 | 2018-05-15 | 平安养老保险股份有限公司 | Insurance risk control method, device, computer equipment and storage medium |
| CN109726883A (en) * | 2018-03-29 | 2019-05-07 | 中国平安财产保险股份有限公司 | A kind of risk management and control method of insurance business, device, equipment and storage medium |
| CN109726883B (en) * | 2018-03-29 | 2023-04-28 | 中国平安财产保险股份有限公司 | Risk management and control method, device and equipment for insurance business and storage medium |
| WO2019196544A1 (en) * | 2018-04-12 | 2019-10-17 | 阿里巴巴集团控股有限公司 | Service risk control method and apparatus |
| CN109118375A (en) * | 2018-08-13 | 2019-01-01 | 泰康保险集团股份有限公司 | It insures processing method, device, medium and electronic equipment |
| CN109118375B (en) * | 2018-08-13 | 2021-10-08 | 泰康保险集团股份有限公司 | Application processing method, device, medium and electronic equipment |
| CN109636578A (en) * | 2018-10-25 | 2019-04-16 | 平安科技（深圳）有限公司 | Risk checking method, device, equipment and the readable storage medium storing program for executing of credit information |
| CN111210227A (en) * | 2018-11-22 | 2020-05-29 | 重庆小雨点小额贷款有限公司 | Data processing method and device, server and computer readable storage medium |
| CN109670974A (en) * | 2018-12-14 | 2019-04-23 | 中国平安人寿保险股份有限公司 | A kind of risk monitoring and control method and device, electric terminal |
| CN110706117A (en) * | 2019-08-22 | 2020-01-17 | 中国平安财产保险股份有限公司 | Business processing method, device, computer device and storage medium |
| CN111681004A (en) * | 2020-04-24 | 2020-09-18 | 厦门美柚股份有限公司 | Business wind control method and system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106600414A (en) | Service processing method and device | |
| AU2021200523B2 (en) | Systems and methods for dynamically detecting and preventing consumer fraud | |
| JP5889300B2 (en) | Method and system for reliability assessment of online trading users | |
| CN107918738A (en) | Regulation management user interface | |
| WO2012076908A1 (en) | Internet transaction analysis system and method | |
| JP2021513169A (en) | Fraud prevention devices and methods | |
| KR102481231B1 (en) | Blockchain based copyright transaction service support system | |
| JP2002269349A (en) | Transaction execution system and its method, and recording medium for recording transaction execution program operated on computer | |
| US20080319801A1 (en) | Warranted Retail Transaction | |
| JP2008021141A (en) | Purchase order receiving system and purchase order receiving method | |
| CA3159499A1 (en) | System, method and apparatus for creating, testing and disseminating fraud rules | |
| Jung et al. | Dynamics of Dark Web financial marketplaces: An exploratory study of underground fraud and scam business | |
| KR102552114B1 (en) | Commodity trading system and method thereof | |
| Schuppli et al. | Piercing the digital veil: A case study for a DAO legal framework under Swiss law | |
| KR20210097946A (en) | Transaction Brokerage System Based on Block Chain | |
| KR102571009B1 (en) | Digital asset trading platform provision system | |
| Li et al. | Research on Chinese C2C e-business institutional trust mechanism: case study on Taobao and Ebay (cn) | |
| Mundra et al. | Online Hybrid model for online fraud prevention and detection | |
| Cunha et al. | Are cryptocurrencies a good investment? | |
| CN106157045A (en) | Method based on logistics data identification wash sale, device and server | |
| Barczentewicz et al. | Blockchain Transaction Ordering as Market Manipulation | |
| Malviya | Blockchain for commercial real estate | |
| Jailani et al. | Agent-Based Auction E-Marketplace with Value Added Services and Islamic Shariah Compliance | |
| KR20210034993A (en) | Apparatus and method for managing | |
| Bonsu | An Economic Analysis of Consumer Right Protection in E-Commerce: Testing Efficiency Using the Principles of Contract Law |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170426 |
|
| RJ01 | Rejection of invention patent application after publication |