CN107748952A - Prestige checking method, device and storage medium based on consumer's risk control - Google Patents
Prestige checking method, device and storage medium based on consumer's risk control Download PDFInfo
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- CN107748952A CN107748952A CN201710937629.2A CN201710937629A CN107748952A CN 107748952 A CN107748952 A CN 107748952A CN 201710937629 A CN201710937629 A CN 201710937629A CN 107748952 A CN107748952 A CN 107748952A
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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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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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 invention discloses a kind of prestige checking method based on consumer's risk control, when the prestige for receiving terminal transmission audits request, send user profile inputting interface, obtain user profile, the synthesis reference that main strategies platform is calculated according to the user profile is obtained to score, when the comprehensive reference scoring is less than or equal to preset value, the invention also discloses a kind of prestige examination ＆ verification device and storage medium based on consumer's risk control for the notice that transmission prestige examination ＆ verification passes through.User's prestige situation is obtained by analysis of the main strategies platform to user profile, realizes the accurate judgement of user's prestige, reduces the payment collection risks in credit sale.
Description
Technical field
The present invention relates to credit technique field, more particularly to based on consumer's risk control prestige checking method, device and
Storage medium.
Background technology
With the rapid growth of China's economy, the national level of consumption also gradually steps up, consumption pattern also gradually variation.
In recent years, to meet the purchasing demand of consumer, many lending platforms are newly born.
The relatively low client of some prestige in huge credit customer colony inevitably be present, it is overdue for loan repayment
The client of money not also is even dragged, larger work load and economic loss are brought to the trade company for providing credit service.
At present in sales credit commodity, generally judged by client's Income situation, job specification, existing credit situation etc.
Whether it has repaying ability after consumption, with this come decide whether to client carry out credit sale.Undeniably still suffer from one
A little clients with repaying ability also slow not delivery money, therefore credit sale is carried out in the case where client's prestige can not be judged
Still suffer from larger payment collection risks.
The content of the invention
It is a primary object of the present invention to provide a kind of prestige checking method, device and the storage of consumer's risk control to be situated between
Matter, it is intended to which solving the problems, such as can not accurate judgement client's prestige during credit consumption.
To achieve the above object, the present invention provides a kind of prestige checking method of consumer's risk control, described based on consumption
The prestige checking method of risk control comprises the following steps：
When the prestige for receiving terminal transmission audits request, user profile inputting interface is sent, obtains user profile；
The synthesis reference that main strategies platform is calculated according to the user profile is obtained to score；
When the comprehensive reference scoring is less than or equal to preset value, the notice that prestige examination ＆ verification passes through is sent.
Preferably, it is described to obtain what the synthesis reference that main strategies platform is calculated according to the user profile scored
Step includes：
The prestige state of the user is audited using the default first default reference platform according to the user profile；
The prestige state is sent to the second default reference platform, obtains the second default reference platform according to the prestige
Feedback of status synthesis reference scoring.
Preferably, it is described transmission user profile inputting interface, obtain user profile the step of after, in addition to：
The history consumer record of user is obtained according to the user profile；
When time interval of the current point in time away from consumer behavior nearest in the history consumer record is default less than first
Between when being spaced, the credit for obtaining the nearest consumer behavior fulfils state；
When it is not problem state that the consumer credit, which fulfils state, the acquisition main strategies platform is performed according to
The synthesis reference scoring that user profile is calculated.
Preferably, it is described according to the user profile obtain user history consumer record the step of after, in addition to：
Time interval of the current point in time away from consumer behavior nearest in the history consumer record is more than or equal to default
During interval, the synthesis reference scoring for obtaining main strategies platform and being calculated according to the user profile is performed.
Preferably, it is described transmission user profile inputting interface, obtain user profile the step of after, in addition to：
When the data format of the user profile matches with preset data form, perform the acquisition main strategies and put down
The synthesis reference that platform is calculated according to the user profile scores.
Preferably, it is described transmission user profile inputting interface, obtain user profile the step of after, in addition to：
Control the terminal to initiate IVR interactive voice answerings and verify whether the user profile is correct；
When the user profile the result is correct, the acquisition main strategies platform is performed according to the history
The synthesis reference scoring that consumer record is calculated.
Preferably, after described the step of sending the notice that prestige examination ＆ verification passes through, in addition to：
When receiving the consumer requests of user's triggering, this consumer record is established；
This consumer record described in timing acquisition, when in this described consumer record in the presence of fund is not gone back, send user
The prompt message of discreditable behavior be present.
Preferably, after there is the step of prompt message of discreditable behavior in the transmission user, in addition to：
When not going back refund information corresponding to fund described in not received in the second prefixed time interval, the user is marked
It is designated as described problem state.
In addition, to achieve the above object, the present invention also provides a kind of prestige based on consumer's risk control and audits device, its
It is characterised by, the prestige examination ＆ verification device based on consumer's risk control includes：Memory, processor and it is stored in the storage
On device and the prestige review procedure that can run on the processor, the prestige review procedure is by real during the computing device
Now as described above based on consumer's risk control prestige checking method the step of.
In addition, to achieve the above object, the present invention also provides a kind of computer-readable recording medium, it is characterised in that institute
State and prestige review procedure is stored with computer-readable recording medium, realized such as when the prestige review procedure is executed by processor
Above the step of described prestige checking method based on consumer's risk control.
A kind of prestige checking method, device and the storage medium based on consumer's risk control that the embodiment of the present invention proposes,
After the prestige examination ＆ verification request of terminal transmission is received, corresponding user profile inputting interface is sent to the terminal, is intended to obtaining
The essential information of the user of prestige examination ＆ verification is carried out, the user is calculated by main strategies platform according to these essential informations
The scoring of synthesis reference, the prestige situation of the user is judged according to the size of comprehensive grading, when the synthesis reference of the user is commented
When point being less than or equal to preset value, illustrate that the prestige of the user audits the notice passed through with order, sending prestige.Pass through
Analysis of tripartite's reference platform to user profile obtains user's prestige situation, realizes the accurate judgement of user's prestige, reduces letter
Borrow the payment collection risks in sale.
Brief description of the drawings
Fig. 1 is the terminal structure schematic diagram for the hardware running environment that scheme of the embodiment of the present invention is related to；
Fig. 2 is the schematic flow sheet of prestige checking method first embodiment of the present invention based on consumer's risk control；
Fig. 3 be the present invention based on consumer's risk control prestige checking method second embodiment main strategies platform according to
The schematic flow sheet of comprehensive reference scoring is calculated in user profile；
Fig. 4 is the schematic flow sheet of prestige checking method 3rd embodiment of the present invention based on consumer's risk control；
Fig. 5 is the schematic flow sheet of prestige checking method fourth embodiment of the present invention based on consumer's risk control；
Fig. 6 is the schematic flow sheet of prestige checking method fiveth embodiment of the present invention based on consumer's risk control；
Fig. 7 is the schematic flow sheet of prestige checking method sixth embodiment of the present invention based on consumer's risk control；
Fig. 8 is the schematic flow sheet of prestige checking method seventh embodiment of the present invention based on consumer's risk control.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are：
When the prestige for receiving terminal transmission audits request, user profile inputting interface is sent, obtains user profile；
The synthesis reference that main strategies platform is calculated according to the user profile is obtained to score；
When the comprehensive reference scoring is less than or equal to preset value, the notice that prestige examination ＆ verification passes through is sent.
Because prior art by client's Income situation, job specification, existing credit situation etc. has judged that it is after consumption
It is no that there is repaying ability can not judge that credit sale is carried out in the case of client's prestige still suffers from larger payment collection risks.
The present invention provides a solution, after the prestige examination ＆ verification request of terminal transmission is received, is sent to the terminal
Corresponding user profile inputting interface, to obtain the essential information of the user of prestige examination ＆ verification to be carried out, according to these essential informations
The synthesis reference that the user is calculated by main strategies platform scores, and judges the user according to the size of comprehensive grading
Prestige situation, when the user synthesis reference scoring be less than or equal to preset value when, illustrate that the prestige of the user and situation are good
It is good, send the notice that prestige examination ＆ verification passes through.User's prestige situation is obtained by analysis of the main strategies platform to user profile,
The accurate judgement of user's prestige is realized, reduces the payment collection risks in credit sale.
As shown in figure 1, Fig. 1 is the terminal structure schematic diagram for the hardware running environment that scheme of the embodiment of the present invention is related to.
Terminal of the embodiment of the present invention can be PC or smart mobile phone, tablet personal computer, pocket computer etc. with defeated
Enter the terminal device of function.
As shown in figure 1, the terminal can include：Processor 1001, such as CPU, network interface 1004, user interface
1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is used to realize the connection communication between these components.
User interface 1003 can include display screen (Display), input block such as keyboard (Keyboard), optional user interface
1003 can also include wireline interface, the wave point of standard.Network interface 1004 can optionally connect including the wired of standard
Mouth, wave point (such as WI-FI interfaces).Memory 1005 can be high-speed RAM memory or stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
It will be understood by those skilled in the art that the restriction of the terminal structure shown in Fig. 1 not structure paired terminal, can be wrapped
Include than illustrating more or less parts, either combine some parts or different parts arrangement.
As shown in figure 1, it can lead to as in a kind of memory 1005 of computer-readable storage medium including operating system, network
Believe module, Subscriber Interface Module SIM and prestige review procedure.
In the terminal shown in Fig. 1, network interface 1004 is mainly used in connecting main strategies platform, with main strategies
Platform enters row data communication；User interface 1003 is mainly used in connecting client (user terminal), enters row data communication with client；
And processor 1001 can be used for calling the prestige review procedure stored in memory 1005, and perform following operate：
When the prestige for receiving terminal transmission audits request, user profile inputting interface is sent, obtains user profile；
The synthesis reference that main strategies platform is calculated according to the user profile is obtained to score；
When the comprehensive reference scoring is less than preset value, the notice that prestige examination ＆ verification passes through is sent.
Further, processor 1001 can call the prestige review procedure stored in memory 1005, also perform following
Operation：
The prestige state of the user is audited using the default first default reference platform according to the user profile；
The prestige state is sent to the second default reference platform, obtains the second default reference platform according to the prestige
Feedback of status synthesis reference scoring.
Further, processor 1001 can call the prestige review procedure stored in memory 1005, also perform following
Operation：
The history consumer record of user is obtained according to the user profile；
When time interval of the current point in time away from consumer behavior nearest in the history consumer record is default less than first
Between when being spaced, the credit for obtaining the nearest consumer behavior fulfils state；
When it is not problem state that the consumer credit, which fulfils state, the acquisition main strategies platform is performed according to
The synthesis reference scoring that user profile is calculated.
Further, processor 1001 can call the prestige review procedure stored in memory 1005, also perform following
Operation：
Time interval of the current point in time away from consumer behavior nearest in the history consumer record is more than or equal to default
During interval, the synthesis reference scoring for obtaining main strategies platform and being calculated according to the user profile is performed.
Further, processor 1001 can call the prestige review procedure stored in memory 1005, also perform following
Operation：
When the data format of the user profile matches with preset data form, perform the acquisition main strategies and put down
The synthesis reference that platform is calculated according to the user profile scores.
Further, processor 1001 can call the prestige review procedure stored in memory 1005, also perform following
Operation：
Control the terminal to initiate IVR interactive voice answerings and verify whether the user profile is correct；
When the user profile the result is correct, the acquisition main strategies platform is performed according to the history
The synthesis reference scoring that consumer record is calculated.
Further, processor 1001 can call the prestige review procedure stored in memory 1005, also perform following
Operation：
When receiving the consumer requests of user's triggering, this consumer record is established；
This consumer record described in timing acquisition, when in this described consumer record in the presence of fund is not gone back, send user
The prompt message of discreditable behavior be present.
Further, processor 1001 can call the prestige review procedure stored in memory 1005, also perform following
Operation：
When not going back refund information corresponding to fund described in not received in the second prefixed time interval, the user is marked
It is designated as described problem state.
Reference picture 2, prestige checking method first embodiment of the present invention based on consumer's risk control are described based on consumption wind
The prestige checking method nearly controlled includes：
Step S10, when the prestige for receiving terminal transmission audits request, user profile inputting interface is sent, obtains and uses
Family information.
User profile generally includes：The essential informations such as name, identification card number, cell-phone number, Bank Account Number.
When carrying out prestige examination ＆ verification, it is necessary to be evaluated according to the essential information of user, so user is firstly the need of transmission
The request of prestige examination ＆ verification, system with user information input interface are carried out, user carries out the input of essential information.
Step S20, obtain the synthesis reference that main strategies platform is calculated according to the user profile and score.
Used main strategies platform can be that reference platform has roc member reference, sesame credit, increased when prestige is audited
Letter is logical, believes honey jar reference or other reference platforms with shield reference and poly- stand.
When carrying out the examination ＆ verification of user's prestige, scored by the synthesis reference for calculating user, analyze score value to determine user
Prestige situation.The method that comprehensive reference scoring is calculated by main strategies platform, for example, being first sent to user profile
Roc member reference platform, whether it is the high-risk user of credit using roc member reference Platform Analysis user；When user is not the high-risk people of credit
During group, user profile is sent to sesame credit platform, obtain the sesame point of the user in sesame credit platform with
And Risk list information etc., to judge whether the user is excessive risk user；When the user is not excessive risk user, judge
Whether the logical reference business of increasing letter of user opens, if opening, believes that the synthesis reference that logical reference platform obtains user is commented by increasing
Point, if not opening, judge that user's colludes whether shield reference platform is opened, when user opens same shield reference platform, then lead to
Cross the synthesis reference scoring that same shield reference platform obtains user.
During user is calculated using the 3rd platform and integrates reference scoring, if user is the credit height of roc member reference
The position user either excessive risk user of sesame credit increases the logical reference business of letter and to collude shield reference not open-minded, all should
User's mark is refusal state, sends the notice that the examination ＆ verification of user's prestige does not pass through.
It can also carry out integrating reference scoring using other main strategies platforms, be not limited only to this programme.
Step S30, when the comprehensive reference scoring is less than or equal to preset value, send the notice that prestige examination ＆ verification passes through.
Usually, the threshold value of the synthesis credit scoring for validated user is allocated as with 70, when comprehensive credit scoring is less than or waits
When certain threshold value, you can it is effective credit customer to think the user.So obtaining the synthesis reference scoring of the user, work as synthesis
When reference scoring is less than or equal to predetermined threshold value, just user's prestige is audited and is sent to user by being compiled as announcement information.Hair
The mode for sending announcement information can be directly shown in terminal display interface prestige examination ＆ verification pass through information, can also to system
The mobile terminal of association sends announcement information, can also be transmitted by voice messaging message that user's prestige passes through, etc. other
Send the methods of information.
In the present embodiment after the prestige examination ＆ verification request of terminal transmission is received, send corresponding user to the terminal and believe
Inputting interface is ceased, to obtain the essential information of the user of prestige examination ＆ verification to be carried out, is levied according to these essential informations by third party
The synthesis reference scoring of the user is calculated in letter platform, and the prestige situation of the user is judged according to the size of comprehensive grading,
When the synthesis reference scoring of the user is less than or equal to preset value, the prestige for illustrating the user in order, sends prestige and examined
The notice that core passes through.User's prestige situation is obtained by analysis of the main strategies platform to user profile, realizes user's letter
The accurate judgement of reputation, reduce the payment collection risks in credit sale.
Reference picture 3, prestige checking method second embodiment of the present invention based on consumer's risk control are real based on above-mentioned first
Example is applied, the step S20 includes：
Step S21, the prestige of the user is audited using the default first default reference platform according to the user profile
State.
Such as the prestige for the user for submitting user profile can be audited by the reference such as roc member reference and sesame credit platform
State, i.e., whether it is people at highest risk and is recorded with the presence or absence of excessive risk.If bad (such as the high-risk people of roc member reference of prestige state
Group either sesame credit excessive risk user etc.), then prestige examination ＆ verification does not pass through；If prestige is in good condition, carry out comprehensive in next step
Close prestige scoring operation.
Step S22, the prestige state is sent to the second default reference platform, obtain the second default reference platform according to
The prestige feedback of status synthesis reference scoring.
An immediately upper example, after by the first default reference platform examination ＆ verification, the prestige of the user is in good condition, then uses
The either poly- vertical letter honey jar reference of the same shield reference that user opens carries out the synthesis reference scoring of user's prestige.If user is same
Shield reference and poly- vertical letter honey jar reference do not activate the service, then user's prestige examination ＆ verification does not pass through.
It can also carry out integrating reference scoring using other main strategies platforms, be not limited only to this programme.
In the present embodiment first using the prestige state of the first default reference platform examination ＆ verification user, if the prestige of user
State is bad, and the prestige auditing result of the user is not pass through；If the prestige of user is in good condition, prestige state is sent
To the second default reference platform.User is carried out using the second default reference platform to integrate reference scoring, and feedback score result.
Energy while the second default reference platform carries out integrating the workload of reference scoring is reduced by carrying out the examination ＆ verification of user's prestige step by step
Enough credit worthinesses for more accurately judging user.
Reference picture 4, prestige checking method 3rd embodiment of the present invention based on consumer's risk control, based on above-mentioned first or
Second embodiment, after the step S10, in addition to：
Step S40, the history consumer record of user is obtained according to the user profile.
Step S50, judge whether time interval of the current point in time away from consumer behavior nearest in history consumer record be small
In the first prefixed time interval.
The consumer record of the last time is inquired about in the history consumer record of user, obtains the last consumption away from current
Time interval, if time interval is more than certain value, the credit of the last consumer behavior fulfil state do not have compared with
Strong reference value, therefore directly carry out the synthesis reference scoring operation of main strategies platform；If time interval is in a timing
Between in interval, then the credit of the last consumer behavior, which fulfils state, has stronger reference value, can first pass through to
The judgement of state is fulfiled in the last consumer behavior in family, then decides whether to carry out the synthesis reference scoring of main strategies platform
Operation.
Step S60, if time interval of the current point in time away from consumer behavior nearest in history consumer record is less than first
During prefixed time interval, the credit for obtaining the nearest consumer behavior fulfils state.
The credit of consumer consumption behavior fulfils state and is generally divided into normal state and problem state.When user occur discreditable behavior,
I.e. to the payback period when not receiving the refund of user, carry out that manual intervention refunded presses for payment of, if by a timing
Between press for payment of after, user does not still pay debt, then marks the user as problem state；It is if certain after manual intervention is pressed for payment of
User is paid balance in time, then marks the user as normal state.
Step S70, judge that consumer credit fulfils whether state is problem state.
The consumer credit of the last consumer behavior of user fulfils state in history consumer record when being problem state, directly
Connect and the prestige examination ＆ verification of the user is determined as not by the way that the synthesis reference without carrying out main strategies platform again, which scores, to be operated.
If the consumer credit of the last consumer behavior of user fulfils state when be problem state, will be to user progress third party
The synthesis reference scoring operation of reference platform.
In the present embodiment, after the essential information of user is obtained, going through for user is obtained according to the essential information of user
History consumer record, learn that the last time interval of the consumer behavior away from current point in time of user is less than intervals
When, the credit of the last consumer behavior fulfils state has stronger reference value to prestige examination ＆ verification, if the credit is carried out
Row state is problem state, then is not by if the credit fulfils state not directly by the prestige auditing result output of the user
It is problem state, then the synthesis reference scoring operation of main strategies platform is carried out to the user.The efficiency of prestige examination ＆ verification is improved,
Strengthen the confidence level of prestige auditing result.
Reference picture 5, the present invention based on consumer's risk control prestige checking method fourth embodiment, based on above-mentioned first to
3rd embodiment, after the step S10, in addition to：
Step S80, judges whether the data format of the user profile matches with preset data form.
Data format refers to the call format of normal information, for example, address name form is Chinese character or is alphabetical composition,
Can not have that Chinese and English mixes and symbol etc. is present；Identification card number is that 18 bit digitals either 17 bit digitals add capital X group
Into；Cell-phone number forms for 11 bit digitals；Etc..
Step S20, when the data format of user profile matches with preset data form, obtain main strategies platform root
The synthesis reference being calculated according to the user profile scores.
Tentatively judge whether the data format of user basic information is correct, the 3rd is carried out to the user again after form is correct
The synthesis reference scoring operation of Fang Zhengxin platforms, avoids that due to user profile input error the corresponding prestige of user can not be obtained
Data, it is smoothed out providing safeguard for the prestige examination ＆ verification of user.
In the present embodiment, by checking the data format of user profile, again to the user after form is correct
The synthesis reference scoring operation of main strategies platform is carried out, avoids not obtaining user's due to user profile input error
Corresponding reputation data, it is smoothed out providing safeguard for the prestige examination ＆ verification of user.
Reference picture 6, the present invention based on consumer's risk control the embodiment of prestige checking method the 5th, based on above-mentioned first to
Fourth embodiment, after the step S10, in addition to：
Step S90, control the terminal to initiate IVR interactive voice answerings and verify whether the user profile is correct.
After the essential information for obtaining user, by sending IVR interactive voice answerings to the terminal of user-association, examine
The information such as the essential information of user, identity and the credit consumption to be carried out.By the way of the dynamic formula voice answer-back of family, information core
Real accuracy is higher.
Step S20, when the user profile verifies correct, obtain main strategies platform and calculated according to the user profile
Obtained synthesis reference scoring.
In the present embodiment, it is interactive by sending IVR to the terminal of user-association after the essential information for obtaining user
Voice answer-back, the information such as the essential information of user, identity and the credit consumption to be carried out are examined, in information authentication results for just
When true, then the synthesis reference scoring operation of main strategies platform is carried out to the user.By the way of the dynamic formula voice answer-back of family,
Improve the accuracy of information checked result.
Reference picture 7, the present invention based on consumer's risk control prestige checking method sixth embodiment, based on above-mentioned first to
5th embodiment, after the step S30, in addition to：
Step S100, when receiving the consumer requests of user's triggering, establish this consumer record.
After the prestige examination ＆ verification of user passes through, user can carry out credit consumption, when user sends consumer requests, system
This consumer record can be established, to record the credit consumption process all information, in the later stage, the user carries out it again
During his credit consumption, data is provided for the prestige review procedure of the user.
Step S110, this consumer record described in timing acquisition, when in this described consumer record in the presence of fund is not gone back,
Send the prompt message that user has discreditable behavior.
The phenomenon that the user that prestige examination ＆ verification passes through forgets to refund or other reasonses are not refunded in time is unavoidably had to deposit
Now just need credit sale businessman to carry out manual intervention and urge user to be refunded.Businessman knows that user is not timely in time
Refund particularly significant.
Information during the credit consumption in this consumer record of timing acquisition, if existed in this consumer record
When not going back fund, the prompt message that user has discreditable behavior is sent, businessman carries out manual intervention and urge user to refund, subtracts in time
Few loss.
In the present embodiment, when user sends consumer requests, system can establish this consumer record, to record this
Credit consumption process all information, when the later stage, the user carried out other credit consumptions again, for the user prestige audit
Program provides data.Meanwhile the information during the credit consumption in this consumer record of timing acquisition, if in this consumption
In the presence of the prompt message that user has discreditable behavior when not going back fund, is sent in record, businessman knows with by manually doing in time
It is pre- to urge user to refund, reduce loss.Help to carry out again quick and precisely reach auditing result during the examination ＆ verification of user's prestige,
The prompting of discreditable behavior, reduce the loss of businessman.
Reference picture 8, the present invention based on consumer's risk control the embodiment of prestige checking method the 7th, based on above-mentioned first to
Sixth embodiment, after the step S110, in addition to：
Step S120, do not received in the second prefixed time interval it is described when not going back refund information corresponding to fund, will
The user's mark is described problem state.
If not receiving the information that user pays debt also within a certain period of time, illustrate that the prestige of the user is present and ask
Topic, marks the user as problem state, when carrying out prestige examination ＆ verification to the user next time, judges the use by user profile
Family is marked as after problem state, directly transmits the information that the prestige examination ＆ verification of user does not pass through.Credit product is contributed to sell
The control of journey risk, reduce the property loss of businessman.
In the present embodiment, if not receiving the information that user pays debt also within a certain period of time, the user is illustrated
Prestige problem be present, mark the user as problem state, so as to next time to the user carry out prestige examination ＆ verification when, by using
Family information judges that the user is marked as after problem state, directly transmits the information that the prestige examination ＆ verification of user does not pass through.Improve
The efficiency of user's prestige examination ＆ verification, there is provided accurate prestige auditing result, contribute to credit trade company to control marketing risk.
In addition, the present invention also proposes a kind of device of the prestige examination ＆ verification based on consumer's risk control, based on consumer's risk control
The prestige examination ＆ verification device of system includes：Memory, processor and it is stored on the memory and can runs on the processor
Prestige review procedure, when prestige review procedure is executed by processor realize as described above based on consumer's risk control prestige
The step of checking method.
In addition, the present invention also proposes a kind of computer-readable recording medium, letter is stored with computer-readable recording medium
Review procedure is praised, the prestige examination ＆ verification based on consumer's risk control as described above is realized when prestige review procedure is executed by processor
The step of method
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or system including a series of elements not only include those key elements, and
And also include the other element being not expressly set out, or also include for this process, method, article or system institute inherently
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Other identical element also be present in the process of key element, method, article or system.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone,
Computer, server, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
- A kind of 1. prestige checking method based on consumer's risk control, it is characterised in that the letter based on consumer's risk control Reputation checking method comprises the following steps：When the prestige for receiving terminal transmission audits request, user profile inputting interface is sent, obtains user profile；The synthesis reference that main strategies platform is calculated according to the user profile is obtained to score；When the comprehensive reference scoring is less than or equal to preset value, the notice that prestige examination ＆ verification passes through is sent.
- 2. the prestige checking method as claimed in claim 1 based on consumer's risk control, it is characterised in that described to obtain the 3rd The step of synthesis reference scoring that Fang Zhengxin platforms are calculated according to the user profile, includes：The prestige state of the user is audited using the default first default reference platform according to the user profile；The prestige state is sent to the second default reference platform, obtains the second default reference platform according to the prestige state Feedback integration reference scores.
- 3. the prestige checking method as claimed in claim 1 based on consumer's risk control, it is characterised in that the transmission user Information input interface, obtain user profile the step of after, in addition to：The history consumer record of user is obtained according to the user profile；Time interval of the current point in time away from consumer behavior nearest in the history consumer record is less than between the first preset time Every when, the credit for obtaining the nearest consumer behavior fulfils state；When it is not problem state that the consumer credit, which fulfils state, the acquisition main strategies platform is performed according to the user The synthesis reference scoring that information is calculated.
- 4. the prestige checking method as claimed in claim 3 based on consumer's risk control, it is characterised in that described in the basis After user profile obtains the step of history consumer record of user, in addition to：Time interval of the current point in time away from consumer behavior nearest in the history consumer record is more than or equal to predetermined interval When, perform the synthesis reference scoring for obtaining main strategies platform and being calculated according to the user profile.
- 5. the prestige checking method as claimed in claim 1 based on consumer's risk control, it is characterised in that the transmission user Information input interface, obtain user profile the step of after, in addition to：When the data format of the user profile matches with preset data form, the acquisition main strategies platform root is performed The synthesis reference being calculated according to the user profile scores.
- 6. the prestige checking method as claimed in claim 1 based on consumer's risk control, it is characterised in that the transmission user Information input interface, obtain user profile the step of after, in addition to：Control the terminal to initiate IVR interactive voice answerings and verify whether the user profile is correct；When the user profile the result is correct, performs the acquisition main strategies platform and consumed according to the history Record the synthesis reference scoring being calculated.
- 7. the prestige checking method based on consumer's risk control as described in claim 1-6 is any, it is characterised in that the hair After the step of notice that reputation of delivering letters examination ＆ verification passes through, in addition to：When receiving the consumer requests of user's triggering, this consumer record is established；This consumer record described in timing acquisition, when existing in this described consumer record, when not going back fund, transmission user is present The prompt message of discreditable behavior.
- 8. the prestige checking method as claimed in claim 7 based on consumer's risk control, it is characterised in that the transmission user After the step of prompt message of discreditable behavior being present, in addition to：When not going back refund information corresponding to fund described in not received in the second prefixed time interval, it is by the user's mark Described problem state.
- 9. a kind of prestige based on consumer's risk control audits device, it is characterised in that the letter based on consumer's risk control Reputation examination ＆ verification device includes：Memory, processor and it is stored in the prestige that can be run on the memory and on the processor Review procedure, the prestige review procedure is by base of the realization as any one of claim 1 to 8 during the computing device In consumer's risk control prestige checking method the step of.
- 10. a kind of computer-readable recording medium, it is characterised in that be stored with prestige on the computer-readable recording medium and examine Core program, when the prestige review procedure is executed by processor realize as any one of claim 1 to 8 based on consumption The step of prestige checking method of risk control.
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| CN108665364A (en) * | 2018-05-11 | 2018-10-16 | 深圳市买买提信息科技有限公司 | Sell bill of lading checking method and terminal device |
| CN108900466A (en) * | 2018-05-30 | 2018-11-27 | 北京五八信息技术有限公司 | Prevent processing method, device, server and the storage medium of fallacious message |
| CN109447783A (en) * | 2018-09-21 | 2019-03-08 | 深圳市买买提信息科技有限公司 | Credit method, apparatus, terminal device and storage medium |
| CN109816510A (en) * | 2018-12-14 | 2019-05-28 | 深圳壹账通智能科技有限公司 | Risk control method and device, storage medium, computer equipment |
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| CN110322251A (en) * | 2019-05-22 | 2019-10-11 | 平安普惠企业管理有限公司 | E-commerce platform authentication method, device, computer equipment and storage medium |
| CN111327609A (en) * | 2020-02-14 | 2020-06-23 | 北京奇艺世纪科技有限公司 | Data auditing method and device |
| CN113793152A (en) * | 2021-07-16 | 2021-12-14 | 数字驱动(福州)科技有限责任公司 | Individual user risk assessment method and system based on Internet account |
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