CN108470310A - Big data air control Model analysis system and method - Google Patents
Big data air control Model analysis system and method Download PDFInfo
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- CN108470310A CN108470310A CN201810198692.3A CN201810198692A CN108470310A CN 108470310 A CN108470310 A CN 108470310A CN 201810198692 A CN201810198692 A CN 201810198692A CN 108470310 A CN108470310 A CN 108470310A
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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
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Abstract
The invention discloses big data air control Model analysis system and methods, include the following steps, S1：The data acquisition module includes human image collecting wooden unit, sound acquisition module, finger print acquisition module, iris capturing module and essential information recording module, is used to the personal information of acquisition creditor；S2：The data analysis module S2 includes high in the clouds storage module, existing big data storage module, third party's data access module, housing loan module, vehicle loan module and row card data.The big data air control Model analysis system and method, the information of more creditors can be acquired, the identity of creditor is further confirmed, the case where avoiding fraud occurs, the repaying ability of creditor is evaluated and tested in terms of more, the data of creditor can be built into model simultaneously and with existing model compare makes the granting amount of money of loan more reasonable, avoids and provides the insolvent situation generation of the excessive creditor of the amount of money.
Description
Technical field
The present invention relates to big data air control model fields, specially big data air control Model analysis system and method.
Background technology
Big data air control, that is, big data risk control, refer to by with big data build model method to borrower into
Row risk control and indicating risk.From it is original artificially to carry out empirical formula air control to borrowing enterprise or borrower different, pass through acquisition
The big data air control that the indices of a large amount of borrowers or borrowing enterprise carry out data modeling is more scientific and effective, existing big number
According to air control model analysis, information collection it is not comprehensive enough, exist by cheated loan generate bad credit risk, while air control examination progress compared with
Cause the progress of making loans slack-off, and air control audit causes to be susceptible to and provides great Jin to the lower creditor of quality there are loophole slowly
The situation of volume loan occurs, and certain adverse effect is brought to actual use.
Invention content
(1) the technical issues of solving
In view of the deficiencies of the prior art, the present invention provides big data air control Model analysis system and method, the big datas
Air control Model analysis system and method, air control is tighter, can preferably avoid usurping the situation that other people personal information are cheated loan
Occur, more fully assess the information of creditor, carry out the more rational loan origination of the amount of money, while loan can be accelerated and made loans
Progress.
(2) technical solution
In order to achieve the above object, the present invention is achieved by the following technical programs：Big data air control Model analysis system
And method, include the following steps, it is characterised in that：
S1：The data acquisition module includes that human image collecting wooden unit, sound acquisition module, finger print acquisition module, iris are adopted
Collection module is used to acquire the personal information of creditor with essential information recording module；
S2：The data analysis module includes high in the clouds storage module, has big data storage module, third party's data access
Module, housing loan module, vehicle borrow module and row card data, the debt data for acquiring creditor；
S3：Described information feedback module is used to feed back to creditor into row information；
S4：The data reception module is for receiving the data after data analysis module is analyzed；
S5：The data processing module has been analyzed for handling the reception data analysis module S2 that data connection module receives
Data after finishing；
S6：The data that data processing module is handled well for being built into new model by the model construction module；
S7：The air control auditing module includes matching module, screening module, calculates module and data verification module；
S8：The loan origination module includes that loan module, loan after sale press for payment of module and information module.
Preferably, the fingerprint and iris number that finger print acquisition module is acquired with iris capturing module in the data acquisition module
According to all with unicity.
Preferably, the data acquired in data acquisition module can be uploaded high in the clouds storage module by the data analysis module
In, then the data of acquisition are compared with existing big data to verify identity, while can be from the consumption for the personnel that will provide a loan
It is taken out from third party's data access module, and the housing loan data of creditor, vehicle can borrow data and credit card number simultaneously
Comprehensive analysis is carried out according to all taking out.
Preferably, the data analyzed in data analysis module can be divided into two points by described information feedback module, portion feedback
To collected object, another is sent in data reception module, then is forwarded on data processing module.
Preferably, the model construction module can be according to the data that data processing module is handled well come by the data of creditor
It is built into new model.
Preferably, the air control auditing module model construction module can be established model and existing data model by
Carry out the matching into scale model with module, with after coordinating as scale model, screening module can screen model, selection
The creditor of better quality, accounting module can calculate the amount of money of offering loans after choosing creditor, using data core
Real module carries out data validation, has verified and has carried out loan origination by loan origination module after data.
(3) advantageous effect
The present invention provides big data air control Model analysis system and methods, have following advantageous effect：
(1), the big data air control Model analysis system and method are provided by more comprehensively collecting the personal of creditor
Material avoids the situation cheated loan and occurs ensure that the authenticity of creditor's identity.
(2), the big data air control Model analysis system and method, by by the personal information of creditor be built into model with
The model for having other loan personal data structures is compared, and to carry out safer amount of the loan granting, is reduced air control and is commented
The situation for having estimated caused by error bad credit caused by the lending amount of money is excessive occurs.
(3), the big data air control Model analysis system and method can more comprehensively recognize the repayment energy of creditor
Power, it is further to reduce the risk occurred after loan origination, while make loans speed of the quickening of Model Matching with frame.
Description of the drawings
Fig. 1 is the overall structure diagram of big data air control Model analysis system of the present invention and method；
Fig. 2 is big data air control Model analysis system of the present invention and secretary's acquisition module topology view of method；
Fig. 3 is big data air control Model analysis system of the present invention and the data analysis module topology view of method；
Fig. 4 is big data air control Model analysis system of the present invention and the air control auditing module topology view of method；
Fig. 5 is big data air control Model analysis system of the present invention and the loan origination modular structure view of method；
In figure：S1, data acquisition module；S2, data analysis module；S3, information feedback module；S4, data reception
Block；S5, data processing module；S6, model construction module；S7, air control examine module；S8, loan origination module.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
- 5 are please referred to Fig.1, the present invention provides a kind of technical solution：Big data air control Model analysis system and method, including
Following steps, it is characterised in that：
S1：Data acquisition module S1 includes human image collecting wooden unit, sound acquisition module, finger print acquisition module, iris capturing
Module and essential information recording module, are used to the personal information of acquisition creditor；
S2：Data analysis module S2 includes high in the clouds storage module, has big data storage module, third party's data access mould
Block, housing loan module, vehicle borrow module and row card data, are used to understand the repaying ability data of creditor；
S3：Information feedback module S3 is used to feed back to creditor into row information；
S4：Data reception module S4 is for receiving the data after data analysis module S2 is analyzed；
S5：Data processing module is used to handle the reception data analysis module S2 analyses that data connection module S4 is received and finishes
Data afterwards；
S6：Model construction module is used to the data processing module S5 data handled well being built into new model；
S7：Air control auditing module includes matching module, screening module, calculates module and data verification module；
S8：Loan origination module includes that loan module, loan after sale press for payment of module and information module.
The fingerprint and iris data of finger print acquisition module and the acquisition of iris capturing module all have in data acquisition module S1
Unicity；Data analysis module S2 can upload the data acquired in data acquisition module S1 in the storage module of high in the clouds, then will adopt
The data of collection are compared to verify identity with existing big data, while can be from the consumption for the personnel that will provide a loan from third number formulary
According to being taken out in AM access module, and can the housing loan data of creditor, vehicle borrow data simultaneously and credit card information all be transferred
Out carry out comprehensive analysis；The data analyzed in data analysis module S2 can be divided into two points by information feedback module S3, and one
Part feeds back to collected object, another is sent in data reception module S4, then is forwarded on data processing module S5；
The data of creditor can be built into new model by model construction module S6 according to the data that data processing module S5 is handled well；
Model construction module S6 can be established model and existing data model by matching module come into similar by air control auditing module S7
The matching of model, with after coordinating as scale model, screening module can screen model, select the loan of better quality
People, accounting module can calculate the amount of money of offering loans after choosing creditor, and data are carried out using data verification module
It verifies, has verified and loan origination is carried out by loan origination module S8 after data.
In conclusion the big data air control Model analysis system and method, the human image collecting mould in data acquisition module S1
Block is used for acquiring the portrait data of creditor, and finger print acquisition module is used for acquiring the fingerprint data of creditor, iris recognition module
For acquiring the iris data of creditor, sound acquisition module is used for acquiring the audio document of creditor, essential information typing mould
Block is used for the essential information of typing creditor, and wherein creditor's finger print information and iris information all has unicity, can be effective
Avoid the situation cheated loan from occurring, what data analysis module S2 was used for analyzing data acquisition module S1 acquisition arrives information, and information is anti-
The data that feedback module can analyze data analysis module S2 are divided to two parts, and portion feeds back to creditor, and portion is transmitted to data and connects
It receives on module S4, data processing module S5 can upload the data at data reception module S4 transmission a to high in the clouds storage module
In backed up, collected data are being compared with the data with existing stored in existing big data storage module, simultaneously
Also data can be accessed from third party's data access module to understand the consumption etc. of creditor, and can acquire creditor
Housing loan data, vehicle borrow data and credit card information etc., and structure on model construction module S6 is transferred to after these data are collected
New model is built, new model is matched by matching module with existing module data in air control examines module S7, when
The housing loan of creditor, vehicle are borrowed, and credit card repayment is more than half yearly wage flow horizontal mean of creditor with third party's spending amount summation
It when value, will not be made loans, when the housing loan of creditor, vehicle are borrowed, credit card repayment is equivalent to loan with third party's spending amount summation
When the half equal numerical value of yearly wage flow horizontal 80 percent of money people, whether there can be overdue record according to it, to carry out small amount lending,
When the housing loan of creditor, vehicle are borrowed, credit card repayment is equivalent to half yearly wage flow horizontal of creditor with third party's spending amount summation
When equal numerical value 60 percent, the people that can make a loan makes loans, housing loan, vehicle loan, credit card repayment and third party as creditor
When spending amount summation is equivalent to the half equal numerical value of yearly wage flow horizontal 40 percent of creditor, single-candidate in the people that can make a loan
The loan of degree, when the housing loan of creditor, vehicle are borrowed, credit card repayment is equivalent to creditor's half a year work with third party's spending amount summation
When providing flowing water mean values 20 percent, can make a loan people's large loan, the screening module meeting after the completion of Model Matching
The data of creditor is screened, the creditor of bad credit record can be excluded, and do not award lending, screened creditor
The loan how much amount of money is provided to creditor can be calculated by calculating module afterwards, and data verification module can further verify creditor
Information, verify it is errorless after, can loan origination be carried out by loan origination module S8, loan origination loan module after sale will be to borrow
Money people provides after-sale service, and loan presses for payment of the client that module can not refund to repayment date cut-off and carries out urging money.
It should be noted that herein, relational terms such as first and second and the like are used merely to a reality
Body or operation are distinguished with another entity or operation, are deposited without necessarily requiring or implying between these entities or operation
In any actual relationship or order or sequence.Moreover, the terms "include", "comprise" or its any other variant are intended to
Non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not only wanted including those
Element, but also include other elements that are not explicitly listed, or further include for this process, method, article or equipment
Intrinsic element.In the absence of more restrictions.By sentence " including one ... the element limited, it is not excluded that
There is also other identical elements in the process, method, article or apparatus that includes the element ", the electricity occurred in this article
Device element is electrically connected with extraneous main controller and 220V alternating currents, and main controller can be that computer etc. has played the routine of control
Know equipment.
It although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with
Understanding without departing from the principles and spirit of the present invention can carry out these embodiments a variety of variations, modification, replace
And modification, the scope of the present invention is defined by the appended.
Claims (6)
1. big data air control Model analysis system and method, big data air control Model analysis system and method, include the following steps,
It is characterized in that：
S1：The data acquisition module S1 includes human image collecting wooden unit, sound acquisition module, finger print acquisition module, iris capturing
Module and essential information recording module, are used to the personal information of acquisition creditor；
S2：The data analysis module S2 includes high in the clouds storage module, has big data storage module, third party's data access mould
Block, housing loan module, vehicle borrow module and row card data, are used to understand the repaying ability data of creditor；
S3：Described information feedback module S3 is used to feed back to creditor into row information；
S4：The data reception module S4 is for receiving the data after data analysis module S2 is analyzed；
S5：The data processing module is used to handle the reception data analysis module S2 analyses that data connection module S4 is received and finishes
Data afterwards；
S6：The model construction module is used to the data processing module S5 data handled well being built into new model；
S7：The air control auditing module includes matching module, screening module, calculates module and data verification module；
S8：The loan origination module includes that loan module, loan after sale press for payment of module and information module.
2. big data air control Model analysis system according to claim 1 and method, it is characterised in that：The data acquisition
The fingerprint and iris data of finger print acquisition module and the acquisition of iris capturing module all have unicity in module S1.
3. big data air control Model analysis system according to claim 1 and method, it is characterised in that：The data analysis
Module S2 can upload the data acquired in data acquisition module S1 in the storage module of high in the clouds, then by the data of acquisition and have big
Data are compared to verify identity, while can be transferred from third party's data access module from by the consumption for the personnel of providing a loan
Out, and can simultaneously the housing loan data of creditor, vehicle borrow data all taken out with credit card information carry out it is comprehensive
Analysis.
4. big data air control Model analysis system according to claim 1 and method, it is characterised in that：Described information is fed back
The data analyzed in data analysis module S2 can be divided into two points by module S3, and portion feeds back to collected object, another transmission
Into data reception module S4, then it is forwarded on data processing module S5.
5. big data air control Model analysis system according to claim 1 and method, it is characterised in that：The model construction
The data of creditor can be built into new model by module S6 according to the data that data processing module S5 is handled well.
6. big data air control Model analysis system according to claim 1 and method, it is characterised in that：The air control audit
Model construction module S6 can be established model and existing data model by matching module come into of scale model by module S7
Match, with after coordinating as scale model, screening module can screen model, select the creditor of better quality, selection
Module is calculated after good creditor to calculate the amount of money of offering loans, and data validation, core are carried out using data verification module
Loan origination is carried out by loan origination module S8 after real good data.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810198692.3A CN108470310A (en) | 2018-03-12 | 2018-03-12 | Big data air control Model analysis system and method |
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| CN201810198692.3A CN108470310A (en) | 2018-03-12 | 2018-03-12 | Big data air control Model analysis system and method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112733110A (en) * | 2020-11-23 | 2021-04-30 | 融钰四海(武汉)信息科技有限公司 | Enterprise client resource intelligent screening processing service platform |
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| CN107194803A (en) * | 2017-05-19 | 2017-09-22 | 南京工业大学 | P2P net loan borrower credit risk assessment device |
| CN107248114A (en) * | 2017-06-01 | 2017-10-13 | 世纪禾光科技发展（北京）有限公司 | Electric business loan administration method and system |
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2018
- 2018-03-12 CN CN201810198692.3A patent/CN108470310A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103150672A (en) * | 2013-04-09 | 2013-06-12 | 长沙钢为网络科技有限公司 | Bank quick credit granting system and method |
| CN106447434A (en) * | 2016-09-14 | 2017-02-22 | 全联征信有限公司 | Personal credit ecological platform |
| CN107194803A (en) * | 2017-05-19 | 2017-09-22 | 南京工业大学 | P2P net loan borrower credit risk assessment device |
| CN107248114A (en) * | 2017-06-01 | 2017-10-13 | 世纪禾光科技发展（北京）有限公司 | Electric business loan administration method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112733110A (en) * | 2020-11-23 | 2021-04-30 | 融钰四海(武汉)信息科技有限公司 | Enterprise client resource intelligent screening processing service platform |
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Application publication date: 20180831 |
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