CN107220890A - Line of credit determines method and device - Google Patents
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- CN107220890A CN107220890A CN201710379429.XA CN201710379429A CN107220890A CN 107220890 A CN107220890 A CN 107220890A CN 201710379429 A CN201710379429 A CN 201710379429A CN 107220890 A CN107220890 A CN 107220890A
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- 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
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Abstract
The present invention provides a kind of line of credit and determines method and device, applied to server.Method includes：Receive the loan requests of user terminal；Loan requests are responded, identity information, credit information and relation information are audited respectively；Pass through if identity information, credit information and relation information are audited, the line of credit of loan requests is determined based on credit information and relation information.By above-mentioned design, the line of credit of creditor can either be improved, the risk of lending platforms can be reduced again.
Description
Technical field
The present invention relates to technical field of electronic commerce, method and device is determined in particular to a kind of line of credit.
Background technology
As economic develops rapidly, people can solve to ask caused by insufficient funds in insufficient funds by providing a loan
Topic.In existing loan transaction, user generally requires when submitting loan application and fills in personal information, and loan platform is connecing
Receive after loan requests, the personal information for being also generally basede on user is verified, corresponding loan is finally provided according to personal information.
But this pattern of lending is for a user, loan limit if desired is higher than the loan limit that lending platforms are provided, and can reduce use
Experience at family.For lending platforms, loan is determined whether only according to personal information, reliability is low, and credit risk is big.
The content of the invention
In view of this, method and device is determined it is an object of the invention to provide a kind of line of credit, to improve above-mentioned ask
Topic.
In order to achieve the above object, the present invention is adopted the following technical scheme that：
The embodiment of the present invention provides a kind of line of credit and determines method, and applied to server, methods described includes：
The loan requests that user terminal is sent are received, the loan requests include the respective identity information of at least two users
Relation information between credit information, and at least two user；
The loan requests are responded, the identity information, the credit information and the relation information are carried out respectively
Examination ＆ verification；
If the identity information, the credit information and the relation information are audited and passed through, based on the credit
Information and the relation information determine the line of credit of the loan requests.
Another embodiment of the present invention also provides a kind of line of credit determining device, and applied to server, described device includes：
Receiving module, the loan requests for receiving user terminal transmission, the loan requests include at least two use
Relation information between the respective identity information in family and credit information, and at least two user；
First auditing module, for responding the loan requests, respectively to the identity information, the credit information and
The relation information is audited；
Determining module, for the identity information, the credit information and the relation information audit by when,
The line of credit of the loan requests is determined based on the credit information and the relation information.
Another embodiment of the present invention also provides a kind of server, and the server includes memory, processor and is stored in
On the memory and the computer program that can run on the processor, described in the computing device during computer program
Realize that the line of credit that the present invention is provided determines method.
Relative to prior art, the invention has the advantages that：
The embodiment of the present invention provides a kind of line of credit and determines method and device.Server receives the loan that user terminal is sent
Money is asked, and loan requests include the respective identity information of at least two users, between credit information, and at least two users
Relation information.Server is audited to identity information, credit information and relation information respectively, and is examined in all information
Core by when, the line of credit of loan requests is determined based on credit information and relation information.By above-mentioned design, it can both carry
High line of credit, to improve Consumer's Experience, can reduce the credit risk of lending platforms again.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be attached to what is used required in embodiment
Figure is briefly described, it will be appreciated that the following drawings illustrate only certain embodiments of the present invention, therefore is not construed as pair
The restriction of scope, for those of ordinary skill in the art, on the premise of not paying creative work, can also be according to this
A little accompanying drawings obtain other related accompanying drawings.
Fig. 1 is that a kind of server provided in an embodiment of the present invention and user terminal interact schematic diagram；
Fig. 2 is a kind of block diagram of server provided in an embodiment of the present invention；
Fig. 3 is the schematic flow sheet that a kind of line of credit provided in an embodiment of the present invention determines method；
Fig. 4 is a kind of functional block diagram of line of credit determining device provided in an embodiment of the present invention.
Embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
A part of embodiment of the present invention, rather than whole embodiments.The present invention implementation being generally described and illustrated herein in the accompanying drawings
The component of example can be arranged and designed with a variety of configurations.
Therefore, the detailed description of embodiments of the invention below to providing in the accompanying drawings is not intended to limit claimed
The scope of the present invention, but be merely representative of the present invention selected embodiment.Based on the embodiment in the present invention, this area is common
The every other embodiment that technical staff is obtained under the premise of creative work is not made, belongs to the model that the present invention is protected
Enclose.
It should be noted that：Similar label and letter represents similar terms in following accompanying drawing, therefore, once a certain Xiang Yi
It is defined in individual accompanying drawing, then it further need not be defined and explained in subsequent accompanying drawing.
As shown in figure 1, being that a kind of server 100 that present pre-ferred embodiments are provided shows with interacting for user terminal 200
It is intended to.Server 100 is communicated by network 300 with least one user terminal 200 (two are shown in Fig. 1), to carry out data
Communication or interaction.Wherein, network 300 can be cable network or wireless network.Server 100 can be independent server,
Can also be into integrating server by multiple independent server groups.User terminal 200 may be, but not limited to, smart mobile phone,
PC personal computer, PC), tablet personal computer, Intelligent worn device, personal digital assistant (personal
Digital assistant, PDA), mobile internet surfing equipment (mobile Internet device, MID) etc..
In embodiments of the present invention, at least one application program (APP) is installed, for example, loan in user terminal 200
APP.At least one application program is corresponding with server 100, provides the user financial service, for example, storage individual subscriber
Data, appraisal procedure (e.g., credit evaluation model, amount assessment models etc.) and credit evaluation etc. is carried out to user.User terminal
200 operation for responding user, so as to generate corresponding with the operation request or instruction.
As shown in Fig. 2 Fig. 2 is the block diagram of server 100 shown in Fig. 1.Server 100 include memory 110,
Processor 120 and communication unit 130.
Directly or indirectly it is electrically connected between memory 110, processor 120 and each element of communication unit 130, to realize
The transmission or interaction of data.For example, these elements can realize electricity by one or more communication bus or signal wire each other
Property connection.Memory 110 includes the line of credit determining device 400 of software or firmware (firmware) form.Processor 120
The executable module stored for performing in memory 110, such as the software function mould included by line of credit determining device 400
Block and computer program etc..
Wherein, memory 110 may be, but not limited to, random access memory (Random Access Memory,
RAM), read-only storage (Read Only Memory, ROM), programmable read only memory (Programmable Read-Only
Memory, PROM), erasable read-only memory (Erasable Programmable Read-Only Memory, EPROM),
Electricallyerasable ROM (EEROM) (Electric Erasable Programmable Read-Only Memory, EEPROM) etc..
Processor 120 can be a kind of IC chip, the disposal ability with signal.Processor 120 can be logical
With processor, including central processing unit (Central Processing Unit, abbreviation CPU), network processing unit (Network
Processor, abbreviation NP) etc..It can also be digital signal processor (DSP), application specific integrated circuit (ASIC), field-programmable
Gate array (FPGA) or other PLDs, discrete gate or transistor logic, discrete hardware components.Can be with
Realize or perform disclosed each method, step and the logic diagram in the embodiment of the present invention.General processor can be micro- place
It can also be any conventional processor etc. to manage device or the processor.
Communication unit 130 is used for the communication connection set up by network 300 between server 100 and user terminal 200, and
For passing through the transceiving data of network 300.
It is appreciated that structure shown in Fig. 2 is only signal.Server 100 can also include more more or less than shown in Fig. 2
Component, or with the configuration different from shown in Fig. 2.Wherein, each component shown in Fig. 2 can be using hardware, software or its combination
Realize.
In embodiments of the present invention, included by user terminal 200 annexation between component and each component and service
Device 100 is similar, and here is omitted.
As shown in figure 3, Fig. 3 determines the flow signal of method for a kind of line of credit applied to server 100 shown in Fig. 2
Figure, the idiographic flow and step shown in Fig. 3 will be described in detail below.
101st, server 100 receives the loan requests that user terminal 200 is sent.
Wherein, the loan requests include the respective identity information of at least two users and credit information, and this is at least
Relation information between two users.
In embodiments of the present invention, the corresponding loan user of a loan requests can have two or more.For example, when one
When the corresponding user that provides a loan of individual loan requests is two, the relation information that the loan requests include is used to describe two loan use
Relation (such as father and son, mothers and sons, man and wife) between family.In another example, when the corresponding loan user of a loan requests is three,
The relation information that the loan requests include is used to describe the relation (such as common relationship) between three loan users.
During implementation, user can be inputted or be uploaded the respective identity information of at least two users and letter by user terminal 200
Borrow the relation information between information, and at least two user.The operation generation that user terminal 200 can respond user includes being somebody's turn to do
The loan requests of identity information, the credit information and the relation information are sent to server 100.
As a kind of embodiment, the loan APP in user terminal 200 can respond user's operation and show loan application circle
Face, the loan application interface can include identity information input frame, credit information input frame, relation information input frame and " confirm
Label option of submission application " etc..When user clicks on the label option of " confirming to submit application ", user terminal 200 can be automatic
Whether detection user inputs every terms of information, if in the presence of the item of information (e.g., not inputting relation information) not inputted, user terminal 200
It can continue to input in loan application interface prompt user.If in the absence of the item of information not inputted, user terminal 200 can generate bag
The loan requests of the every terms of information of user's input are included, and the loan requests are sent to server 100.
102nd, the response of server 100 loan requests, are examined identity information, credit information and relation information respectively
Core.
Alternatively, in the present embodiment, the identity information of user can include the ID card information of the user, the user and hold
Photo of identity card etc..As a kind of embodiment, the identity information of user can be audited in the following manner.
Server 100 can obtain the identity information of user from the database of public security system etc., and the identity got is believed
Cease the identity information for inputting or uploading with the user to be contrasted, if both match, it is determined that the identity information of the user is examined
Core passes through.
Alternatively, as a kind of embodiment, the credit information of user can be audited in the following manner.
Server 100 can be according to the identity information of user directly from external data base (such as banking data base, credit information number
According to storehouse etc.) the actual credit information of the user is obtained, and the actual credit information got and the user are inputted or uploaded
Credit information is contrasted, if both match, and can determine that the credit information examination ＆ verification of the user passes through.
As another embodiment, in the case that server 100 can also be authorized obtaining user, the number authorized from user
The actual credit information of the user, and the credit that the actual credit information got and the user are inputted or uploaded are obtained according to storehouse
Information is contrasted, if both matchings, can determine that the credit information examination ＆ verification of the user passes through.
In addition, user can also input the credit information of oneself, or input credit information acquiring way by user terminal 200
(such as contact method, accounts information), so that lending platforms are verified.
Pass through above-mentioned design, it can be ensured that application loan at least two subscriber identity informations and credit information it is reliable
Property, so as to reduce the credit risk of lending platforms.
In the present embodiment, the relation information between at least two users may include the relation between at least two user
Prove information.Alternatively, in step 102, relation information is audited, can be realized in the following way.
Server 100 judges that the relation in relation information proves whether information can recognize that.If not can recognize that, it is determined that the pass
It is that signal auditing does not pass through.If recognizable, the relation in the relation information of verifying proves information, and proves information in the relation
In the case of being verified, determine that relation information examination ＆ verification passes through.
In the present embodiment, the type of relation information can include marital relations, parent child relationship (e.g., set membership, mothers and sons
Relation etc.), collaterals' relation (e.g., cousin's relation etc.) etc..Relation proves that information can include residence booklet information and/or at least
Two users hold group photo of marriage certificate etc..
Alternatively, the mode that information is verified, which can have a variety of, to be proved to relation.
For example, server 100 can obtain the residence booklet information of at least two users from corresponding external data base, it will obtain
The residence booklet information that the residence booklet information got is inputted or uploaded with user is contrasted, if both match, it is determined that this is extremely
The relation of few two users proves that information is verified.
In another example, server 100 can obtain the residence booklet information of at least two users from corresponding external data base, and
The identity information of each user is obtained from external data base according to the residence booklet information of at least two user.Then, will be from
The residence booklet information that the residence booklet information obtained in external data base is inputted or uploaded with user carries out first and compared, and will get
Each user identity information and user input or the identity information that uploads second compare, if first compares and each
Second comparison succeeds, it is determined that the relation of at least two user proves that information is verified.
In another example, when relation proof information, which includes at least two users, holds the group photo of marriage certificate, relation proves information
It can be verified in the following way.
First, the marriage certificate region and non-marriage certificate region in the identification of server 100 group photo, and obtain the marriage certificate respectively
The second image in the first image and the non-marriage certificate region in region.
Wherein, the first image is head portrait of two users in marriage certificate region, and the second image is two users in non-knot
Head portrait in wedding card region.
Then, server 100 determines the similarity of the first image and the second image got, and is reached in the similarity
In the case of similarity threshold, the relation that determines proves that information is verified.
Wherein, it is determined that the first image and the second image similarity when, should determine each user in marriage certificate respectively
The similarity between the head portrait of head portrait and the user in non-marriage certificate region in region.Reached in each similarity similar
In the case of spending threshold value (e.g., 85%, 90% etc.), the relation that determines proves that information is verified.
If in the presence of the similarity of not up to similarity threshold, or exist in default similarity it is interval (e.g., 60%~
85%) similarity, it may be determined that relation proves that Information Authentication does not pass through, and then determine that including the relation proves the relation letter of information
Breath examination ＆ verification does not pass through.
In embodiments of the present invention, it may include a relationship type option, user on the loan application interface that loan APP is provided
Corresponding relationship type can directly be chosen.During implementation, server 100 can detect the relationship type option of user's selection and then determination
The type of relation information.When the type for detecting relation information is marital relations, server 100 can be according to the method described above to closing
System proves that processing is identified in the group photo in information, and then proves that information is verified to the relation.
In actual applications, if the relation information of at least two users has falseness, at least two user is common
The reliability of incurred obligation is relatively low, if lending platforms still are based on the relation information and determine that line of credit can undertake greater risk.
Pass through above-mentioned design, it can be ensured that the authenticity of relation between at least two users, and then reduce the credit risk of lending platforms.
Alternatively, in the present embodiment, when the relation information between at least two users audits obstructed out-of-date, server
100 can point out user to provide new relation information or the new relation information acquiring way of prompting user's offer.
For example, when relation information audits obstructed out-of-date, a pagefile (e.g., html file) can be transmitted extremely in server 100
User terminal 200 is shown.The pagefile may include prompt messages such as " please resubmit relation information ", and " again
The option-tag such as submission ", " other pattern verifications ".When user can voluntarily provide new relation information, it can directly select " again
The option-tag of submission " is simultaneously uploaded again.When user can not voluntarily provide new relation information, " other verification sides can be chosen
The option-tag of formula ".When user chooses the option-tag of " other pattern verifications ", server 100 can eject a display page
To point out user to input corresponding contact method or accounts information, subsequently to be verified.
Pass through if the 103, identity information, credit information and relation information are audited, server 100 is based on credit information
And relation information determines the line of credit of loan requests.
Alternatively, after identity information, credit information and relation information are audited and passed through, line of credit determines method
It can also comprise the following steps.
Server 100 is based on credit information and relation information judges whether loan requests pass through, and in the loan requests
In the case of, the operation for the line of credit that the loan requests are determined based on credit information and relation information is performed.
Alternatively, whether server 100 is based on credit information and relation information and judges loan requests by can be by such as
Under type is realized.
First, server 100 determines the respective personal credit scoring of at least two users respectively based on credit information.
In the present embodiment, the credit information of user may include credit information, income information and the liability information of the user
Deng, wherein, credit information may include that social security common reserve fund pays information, credit card information, debt refund information and whether is black
Name single user etc..As a kind of embodiment, the personal credit scoring of user can be calculated by following calculating formula：
Personal credit scoring=F [f1 (income)+f2 (debt)]+f3 (credit)
Wherein, F, f1, f2 and f3 represent credit scoring function, can be set according to the actual requirements.
Then, server 100 based on relation information and at least two users personal credit scoring determine this at least two
The joint credit scoring of individual user.
In the present embodiment, it is determined that jointly the mode of credit scoring can have a variety of.For example, at least two use can be chosen
Family personal credit scoring in minimum value as at least two user joint credit scoring.In another example, can be by least
The average value of the personal credit scoring of two users as at least two user joint credit scoring.
Finally, server 100 judges whether joint credit scoring reaches default scoring, if reaching default scoring, it is determined that
Loan requests pass through.
Wherein, default scoring can flexibly be set according to the actual requirements.When the joint credit scoring of at least two users
When not up to presetting scoring, show that the credit of at least two user does not reach the credit standard of lending platforms setting, can refuse
Loan.
Alternatively, in step 103, the line of credit of loan requests is determined based on credit information and relation information, can be led to
Cross in the following manner realization.
Server 100 is based on credit information and joint credit scoring, and believes according to the relation between at least two users
The corresponding line of credit of type of breath determines that rule determines the line of credit of loan requests.
Alternatively, can record in server 100 has different types of relation information to determine rule from different lines of credit
Between relation.
As a kind of embodiment, the line of credit of loan requests can be by based on credit information and joint credit scoring
Calculating formula calculate obtain.Operation function in the calculating formula can be adjusted to the pass between at least two users by server 100
It is the corresponding operation function of type of information.
For example, server 100 can calculate the line of credit for obtaining loan requests according to following calculating formula.
Joint line of credit=q1*p1 (income and-be in debt and)+p2 (joint credit scoring)
Wherein, take in and be the income sum of at least two users, debt and the debt sum at least two users.
P1, p2 and q1 are operation function.In the present embodiment, operation function can be that an operation expression or one are default
Concrete numerical value, such as q1 can be 80%.Wherein, p1, p2 and q1 can be according to the classes of the relation information between at least two users
Type is determined.That is, server 100 can go out corresponding p1, p2 according to the type search of the relation information between at least two users
And q1 expression formula or ratio value, and expression formula or the ratio value that p1, p2 and q1 correspondence are adjusted to find out.
In the present embodiment, the relation information of at least two users can also include the relation time limit of at least two user
(e.g., marriage time limit etc.), shared amount of assets etc..Server 100 can also be according at least two users relationship type, relation
The time limit and there is shared amount of assets selection line of credit to determine rule.
In this way, server 100 can be based at least two users credit information (e.g., income and, be in debt and, joint letter use
Scoring etc.) determine the joint line of credit of at least two user.The line of credit determined by the above method is typically larger than
The line of credit that personal user can apply, and then improve Consumer's Experience.
In addition, the relationship type between user is different, the reliability of shared debt is also different.Set by above-mentioned
Meter, server 100 can determine the line of credit of at least two user according to the relationship type between at least two users,
That is, lending platforms are supplied to the reliability phase of the line of credit and at least two users shared debt of at least two users
Matching.It so, it is possible to reduce the credit risk of lending platforms.
As shown in figure 4, the embodiment of the present invention also provides a kind of line of credit determining device 400, applied to the clothes shown in Fig. 2
Business device 100.Line of credit determining device 400 includes receiving module 410, the first auditing module 420 and determining module 430.
Wherein, receiving module 410 is used for the loan requests for receiving the transmission of user terminal 200.
In the present embodiment, the loan requests include the respective identity information of at least two users and credit information, with
And the relation information between at least two user.The description as described in receiving module 410 is specifically referred to step as shown in Fig. 3
101 detailed description, that is, step 101 can be performed by receiving module 410.
First auditing module 420 is used to respond loan requests, and identity information, credit information and relation information are entered respectively
Row examination ＆ verification.
In the present embodiment, the description as described in the first auditing module 420 is specifically referred to step 102 as shown in Fig. 3
It is described in detail, that is, step 102 can be performed by the first auditing module 420.
Alternatively, the concrete mode that the first auditing module 420 is audited to relation information is：
Judging the relation in relation information proves whether information can recognize that, if not can recognize that, it is determined that the relation information is examined
Core does not pass through, if recognizable, verifies that the relation proves information, and in the case where the relation information is verified, it is determined that should
Relation information examination ＆ verification passes through.
Alternatively, in the present embodiment, the type of relation information can include marital relations, and relation proves that information can be wrapped
Include the group photo that at least two users hold marriage certificate.The checking relation of first auditing module 420 proves that the concrete mode of information is：
Marriage certificate region and non-marriage certificate region in identification group photo, and the first figure in the marriage certificate region is obtained respectively
The second image in picture and the non-marriage certificate region.The similarity of first image and second image is determined, and it is similar at this
In the case that degree reaches similarity threshold, determine that the relation proves that information is verified.
Determining module 430 be used for identity information, credit information and relation information audit by when, based on credit letter
Breath and relation information determine the line of credit of loan requests.
In the present embodiment, the description as described in determining module 430 specifically refers to retouching in detail to step 103 shown in Fig. 3
State, that is, step 103 can be performed by determining module 430.
Alternatively, in the present embodiment, determining module 430 determines loan requests based on credit information and relation information
The concrete mode of line of credit is：
Based on credit information and joint credit scoring, and according to the type pair of the relation information between at least two users
The line of credit answered determines that rule determines the line of credit of loan requests.
Alternatively, referring again to Fig. 4, line of credit determining device 400 can also include the second auditing module 440.
In the present embodiment, the second auditing module 440 is used to judge loan requests based on credit information and relation information
Whether pass through, and in loan requests in the case of, trigger the determining module 430 and perform based on credit information and relation
Information determines the operation of the line of credit of loan requests.
The description as described in the second auditing module 440, specifically refers to the detailed description to correlation step in the above.Can
Selection of land, the second auditing module 440 may include to assess submodule 441 and judging submodule 442.
Wherein, assessing submodule 441 is used to determine the respective personal credit of at least two users respectively based on credit information
Scoring, is additionally operable to the personal credit scoring based on relation information and at least two users and determines that at least two user's is joint
Credit scoring.
Judging submodule 442 is used to judge whether the joint credit scoring of at least two user reaches default scoring, if
Reach default scoring, it is determined that the loan requests of at least two user pass through.
In summary, the present invention provides a kind of line of credit and determines method and device.Server 100 receives user terminal
200 loan requests sent, loan requests include the respective identity information of at least two users, credit information, and at least
Relation information between two users.Server 100 is audited to identity information, credit information and relation information respectively,
And all signal auditings by when, the line of credit of loan requests is determined based on credit information and relation information.Pass through
Above-mentioned design, can both improve the line of credit of user, to improve Consumer's Experience, and the credit wind of lending platforms can be reduced again
Danger.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the invention, for the skill of this area
For art personnel, the present invention can have various modifications and variations.Within the spirit and principles of the invention, that is made any repaiies
Change, equivalent substitution, improvement etc., should be included in the scope of the protection.
Claims (12)
1. a kind of line of credit determines method, it is characterised in that applied to server, methods described includes：
The loan requests that user terminal is sent are received, the loan requests include the respective identity information of at least two users and letter
Borrow the relation information between information, and at least two user；
The loan requests are responded, the identity information, the credit information and the relation information are audited respectively；
If the identity information, the credit information and the relation information are audited and passed through, based on the credit information
And the relation information determines the line of credit of the loan requests.
2. according to the method described in claim 1, it is characterised in that if the identity information, the credit information and
After the relation information examination ＆ verification passes through, methods described also includes：
Judge whether the loan requests pass through based on the credit information and the relation information, and in the loan requests
In the case of, the line of credit of the loan requests is determined described in execution based on the credit information and the relation information
The operation of degree.
3. method according to claim 2, it is characterised in that described to be based on the credit information and the relation information
Judge whether the loan requests pass through, including：
The respective personal credit scoring of at least two user is determined based on the credit information respectively；
Personal credit scoring based on the relation information and at least two user determines at least two user's
Joint credit scoring；
Judge whether the joint credit scoring reaches default scoring, if reaching default scoring, it is determined that the loan requests are led to
Cross.
4. method according to claim 3, it is characterised in that described to be based on the credit information and the relation information
The line of credit of the loan requests is determined, including：
Based on the credit information and the joint credit scoring, and according to the relation information between at least two user
The corresponding line of credit of type determine that rule determines the line of credit of the loan requests.
5. the method according to any one of Claims 1 to 4, it is characterised in that the relation information includes described at least two
The relation of individual user proves information；The relation information is audited, including：
Judging the relation in the relation information proves whether information can recognize that；
If not can recognize that, it is determined that the relation information examination ＆ verification does not pass through；
If recognizable, verify that the relation proves information, and in the case where the relation proves that information is verified, it is determined that
The relation information examination ＆ verification passes through.
6. method according to claim 5, it is characterised in that the type of the relation information includes marital relations, described
Relation proves that information includes the group photo that at least two user holds marriage certificate；The checking relation proves information, including：
Recognize the marriage certificate region and non-marriage certificate region in the group photo；
The first image in the marriage certificate region and the second image in the non-marriage certificate region are obtained respectively；
Determine the similarity of described first image and second image；
In the case where the similarity reaches similarity threshold, determine that the relation proves that information is verified.
7. a kind of line of credit determining device, it is characterised in that applied to server, described device includes：
Receiving module, the loan requests for receiving user terminal transmission, it is each that the loan requests include at least two users
From identity information and credit information, and the relation information between at least two user；
First auditing module, for responding the loan requests, respectively to the identity information, the credit information and described
Relation information is audited；
Determining module, for the identity information, the credit information and the relation information audit by when, be based on
The credit information and the relation information determine the line of credit of the loan requests.
8. device according to claim 7, it is characterised in that described device also includes：
Second auditing module, for judging whether the loan requests lead to based on the credit information and the relation information
Cross, and in the loan requests in the case of, trigger the determining module perform it is described based on the credit information and
The relation information determines the operation of the line of credit of the loan requests.
9. device according to claim 8, it is characterised in that second auditing module includes：
Submodule is assessed, for determining that the respective personal credit of at least two users is commented respectively based on the credit information
Point；
The assessment submodule, is additionally operable to the personal credit scoring based on the relation information and at least two user true
The joint credit scoring of fixed at least two user；
Judging submodule, for judging whether the joint credit scoring reaches default scoring, if reaching default scoring, it is determined that
The loan requests pass through.
10. device according to claim 9, it is characterised in that the determining module is based on the credit information and institute
State relation information and determine that the concrete mode of the line of credit of the loan requests is：
Based on the credit information and the joint credit scoring, and according to the relation information between at least two user
The corresponding line of credit of type determine that rule determines the line of credit of the loan requests.
11. the device according to any one of claim 7~10, it is characterised in that the relation information include it is described at least
The relation of two users proves information；The concrete mode that first auditing module is audited to the relation information is：
Judging the relation in the relation information proves whether information can recognize that, if not can recognize that, it is determined that the relation information
Examination ＆ verification does not pass through, if recognizable, verifies that the relation proves information, and prove the situation that information is verified in the relation
Under, determine that the relation information examination ＆ verification passes through.
12. device according to claim 11, it is characterised in that the type of the relation information includes marital relations, institute
Stating relation proves that information includes the group photo that at least two user holds marriage certificate；First auditing module verifies the relation
Prove information concrete mode be：
Recognize the marriage certificate region and non-marriage certificate region in the group photo；
The first image in the marriage certificate region and the second image in the non-marriage certificate region are obtained respectively；
Determine the similarity of described first image and second image；
In the case where the similarity reaches similarity threshold, determine that the relation proves that information is verified.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710379429.XA CN107220890A (en) | 2017-05-25 | 2017-05-25 | Line of credit determines method and device |
| PCT/CN2018/085562 WO2018214716A1 (en) | 2017-05-25 | 2018-05-04 | Method and apparatus for determining line of credit, server and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710379429.XA CN107220890A (en) | 2017-05-25 | 2017-05-25 | Line of credit determines method and device |
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| CN107220890A true CN107220890A (en) | 2017-09-29 |
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| CN201710379429.XA Pending CN107220890A (en) | 2017-05-25 | 2017-05-25 | Line of credit determines method and device |
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| WO (1) | WO2018214716A1 (en) |
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