CN109214914A - A kind of loan information checking method and device based on communication open platform - Google Patents
A kind of loan information checking method and device based on communication open platform Download PDFInfo
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- CN109214914A CN109214914A CN201810972670.8A CN201810972670A CN109214914A CN 109214914 A CN109214914 A CN 109214914A CN 201810972670 A CN201810972670 A CN 201810972670A CN 109214914 A CN109214914 A CN 109214914A
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- phone number
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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
Embodiment of the invention discloses a kind of loan information checking methods and device based on communication open platform, user of this method to application loan, after identity information, phone number and the bank card information to the user are verified, user's portrait is carried out according to the short message that user receives, the label of the user to be drawn a portrait by user whether there is multiple debt-credit to the user in the recent period and judge.Automatically the audit that essential information is carried out to user, improves the accuracy of review efficiency and audit.User's short message has reacted the practical lend-borrow action of user, carries out the user tag that user draws a portrait by the short message based on user and audits to user with the presence or absence of multiple debt-credit, auditing result has reacted the recent practical lend-borrow action of user.Short message portrait combination is carried out by the audit to user basic information and according to the short message of user, review efficiency is not only increased, also improves the confidence level to loan information audit.
Description
Technical field
The present embodiments relate to automation debt-credit audit and big data technical fields, more particularly, to one kind based on communication
The loan information checking method and device of open platform.
Background technique
Net, which borrows platform, to provide petty load for individual, however, the threshold that many net loan platforms provide petty load is low,
For example, many net loan platforms require nothing more than user and submit identity card that can handle loan.However, being only difficult by identity card to loaning bill
The authenticity of people's identity information is accurately veritified, so borrowing platform in net, it is easy to appear personation identity registration account applications
The thing of loan.
Net is caused to borrow the identity money that the main reason for personation identity registration account application loan occurs in platform includes: creditor
Matter, which examines, uses manual examination and verification, and business personnel can actively discharge water to hit the target, and lead to do not have largely qualified personnel to pass through
Audit causes to repeat credit, " by providing a loan ", cheat loan, the risks such as platform bad credit；Net borrows the loaning bill between platform to same borrower
Information realizes data sharing not yet, this same borrower may occurs in more platforms while borrow money, and is not only easy induction
Overconsumption, more terrified is that excessive debt amount once goes wrong will be than more serious.
During realizing the embodiment of the present invention, inventor has found that existing net is borrowed platform and carried out to the information of debtor
On the other hand manual examination and verification, low efficiency and easy repetition credit since data are not shared, can not analyze the actual debt-credit of user
Behavior.
Summary of the invention
Platform is borrowed the invention solves existing net, and manual examination and verification, low efficiency and easy repetition are carried out to the information of debtor
Credit, on the other hand, since data are not shared, the problem of user's actual lend-borrow action can not be analyzed.
Against the above technical problems, the embodiment provides a kind of loan informations based on communication open platform to examine
Kernel method, comprising:
After receiving the solicited message that user applies for loan, the identity information, phone number and bank of the user are obtained
Card information verifies the identity information, the phone number and the bank card information；
If being verified to the identity information, the phone number and the bank card information, obtain by the hand
The short message that the corresponding terminal of machine number receives carries out user's picture to the user according to the short message for corresponding to the phone number
Picture obtains label related with the debt-credit historical information of the user；
According to the related label of debt-credit historical information with the user judge the user in the set time period whether
There are multiple creditor-debtor entries, if so, applying for that loan audit does not pass through to the user.
The embodiment provides a kind of loan informations based on communication open platform to audit device, comprising:
Authentication module obtains identity information, the hand of the user after receiving the solicited message that user's application is provided a loan
Machine number and bank card information verify the identity information, the phone number and the bank card information；
Tag generation module, if logical for being verified to the identity information, the phone number and the bank card information
It crosses, then obtains the short message received by the corresponding terminal of the phone number, according to the short message pair for corresponding to the phone number
The user carries out user's portrait, obtains label related with the debt-credit historical information of the user；
Auditing module, for judging that the user is setting according to label related with the debt-credit historical information of the user
It whether there is multiple creditor-debtor entry in period, if so, applying for that loan audit does not pass through to the user.
Present embodiments provide a kind of electronic equipment, comprising:
At least one processor, at least one processor, communication interface and bus；Wherein,
The processor, memory, communication interface complete mutual communication by the bus；
The communication interface is for the information transmission between the electronic equipment and the communication equipment of terminal；
The memory is stored with the program instruction that can be executed by the processor, and the processor calls described program to refer to
Enable the method being able to carry out corresponding to any description above.
Present embodiments provide a kind of non-transient computer readable storage medium, the non-transient computer readable storage medium
Matter stores computer instruction, and the computer instruction makes the computer execute method described in any of the above item.
The embodiment provides a kind of loan information checking method and device based on communication open platform, the party
Method to application loan user, after identity information, phone number and the bank card information to the user are verified, according to
The short message that family receives carries out user's portrait, and the label of the user to be drawn a portrait by user whether there is the user more in the recent period
Debt-credit is judged again.Automatically the audit that essential information is carried out to user, improves the accuracy of review efficiency and audit.User
Short message has reacted the practical lend-borrow action of user, by short message based on user carry out user tag that user draws a portrait to
Family is audited with the presence or absence of multiple debt-credit, and auditing result has reacted the recent practical lend-borrow action of user.It will be basic to user
The audit of information and according to the short message of user carry out short message portrait combine, not only increase review efficiency, also improve to debt-credit
The confidence level of signal auditing.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is this hair
Bright some embodiments for those of ordinary skill in the art without creative efforts, can be with root
Other attached drawings are obtained according to these attached drawings.
Fig. 1 is a kind of stream of loan information checking method based on communication open platform provided by one embodiment of the present invention
Journey schematic diagram；
Fig. 2 is being trained to the model for being handled to obtain label by short message for another embodiment of the present invention offer
The schematic diagram of process；
Fig. 3 is the flow diagram audited to the information of user that another embodiment of the present invention provides；
Fig. 4 is that a kind of loan information based on communication open platform that another embodiment of the present invention provides audits device
Structural block diagram；
Fig. 5 is the structural block diagram for the electronic equipment that another embodiment of the present invention provides.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
Fig. 1 is a kind of process signal of loan information checking method based on communication open platform provided in this embodiment
Figure, referring to Fig. 1, this method comprises:
101: after receiving the solicited message that user applies for loan, obtain the identity information of the user, phone number and
Bank card information verifies the identity information, the phone number and the bank card information；
102: if being verified to the identity information, the phone number and the bank card information, obtaining by institute
The short message that the corresponding terminal of phone number receives is stated, the user is used according to the short message for corresponding to the phone number
Family portrait, obtains label related with the debt-credit historical information of the user；
103: the user is judged in the set time period according to the related label of debt-credit historical information with the user
With the presence or absence of multiple creditor-debtor entry, if so, applying for that loan audit does not pass through to the user.
Method provided in this embodiment usually by server, terminal or is exclusively used in the audit audited to loan information
Equipment executes, and the present embodiment is not particularly limited this.The method that usual network loan platform provides through this embodiment is to borrowing
People is borrowed to audit.Specifically, when user needs to provide a loan in a certain network loan platform application, then to loan platform offer
Identity information, phone number and bank card information, basic letter of the information which provides according to user to user
Breath is audited, and the case where assuming another's name to provide a loan appearance is prevented.It is audited when to above-mentioned identity information, phone number and bank card information
By rear, user's portrait is carried out according to the short message of user, the label of characterization user's lend-borrow action is obtained, user is determined according to label
With the presence or absence of multiple debt-credit, prevent from causing economic loss to the user's loan for thering is bad debt-credit to attempt.
User's portrait is a label taking out according to information such as user's social property, living habit and consumer behaviors
The user model of change.The core work for constructing user's portrait is to label " " to user, and label is by user information
The highly refined signature identification of analysis.User's portrait in the present embodiment " is pasted based on the received short message of user for user
Label ", these tag reactants lend-borrow action of user remember user with the presence or absence of multiple creditor-debtor entry by these labels
Record.
A kind of loan information checking method based on communication open platform is present embodiments provided, this method provides a loan to application
User received according to user short after identity information, phone number and the bank card information to the user are verified
Letter carries out user's portrait, and the label of the user to be drawn a portrait by user whether there is multiple debt-credit to the user in the recent period and sentence
It is disconnected.Automatically the audit that essential information is carried out to user, improves the accuracy of review efficiency and audit.User's short message has reacted use
The practical lend-borrow action at family, the user tag drawn a portrait by the short message progress user based on user is to user with the presence or absence of more
Debt-credit is audited again, and auditing result has reacted the recent practical lend-borrow action of user.By to user basic information audit and
According to the short message of user carry out short message portrait combine, not only increase review efficiency, also improve to loan information audit can
Reliability.
Further, on the basis of the above embodiments, the acquisition is received by the corresponding terminal of the phone number
Short message, user's portrait is carried out to the user according to the short message for corresponding to the phone number, obtains borrowing with the user
Borrow the related label of historical information, comprising:
The short message received by the corresponding terminal of the phone number is obtained to extract each short message from the short message
At least one predetermined keyword of setting, if the predetermined keyword extracted in the short message meets the keyword combobar of setting
Part, then the short message is debt-credit short message；
Count all debt-credit short messages received in the set period of time by the corresponding terminal of the phone number
Item number generates as the number that the user borrows or lends money in the set period of time and marks the user in the setting time
First label of debt-credit number in section, and determine what the user borrowed or lent money every time according to the short message content of each debt-credit short message
Loan platform, debt-credit short message identical to loan platform mark same second label.
Predetermined keyword is the word being manually set, for example, the predetermined keyword of setting includes the title (example of loan platform
Such as, XX borrows or lends money net or XX bank), identifying code, the corresponding business of short message content (for example, debt-credit or repay) etc..Keyword
Combination condition is that the short message being manually set includes multiple keywords of setting simultaneously, then the short message meets keyword combobar
Part.For example, the short message meets keyword combination condition if a certain short message includes the title and identifying code of loan platform simultaneously,
To borrow or lend money short message.
Extracting for predetermined keyword can be by model realization trained in advance (for example, the model is mentioned in advance with several
It has taken the short message of predetermined keyword as training sample, convolutional neural networks has been trained).Set period of time is usual
For current point in time forward a period of time, for example, set period of time is current point in time forward three months.In order to enable mentioning
The label taken reflects the recent lend-borrow action of user, only analyzes borrowing for user by debt-credit short message received in set period of time
Loan behavior.
When carrying out user's portrait according to the short message of user, the cell-phone number with the user is usually obtained from enterprise communication platform
The corresponding all short messages of code, extract predetermined keyword for each short message, will meet the short message of keyword combination condition as
Borrow or lend money short message.To the debt-credit short message received in set period of time, debt-credit number is counted, is stamped for user " in setting time
First label of debt-credit X times in section ".
Further, the short message content according to each debt-credit short message determines that the debt-credit that the user borrows or lends money every time is flat
Platform, debt-credit short message identical to loan platform mark same second label, comprising: flat according to the debt-credit in each debt-credit short message
The identical short message of the title of loan platform is stamped identical second label by the title of platform.
A kind of loan information checking method based on communication open platform is present embodiments provided, the default pass of extraction is passed through
Keyword determines debt-credit short message, then user is extracted from debt-credit short message in the lend-borrow action spy of set period of time by labelling
Sign whether there is multiple creditor-debtor entry convenient for analyzing user according to label.
Further, on the basis of the various embodiments described above, the basis is related with the debt-credit historical information of the user
Label judge the user in the set time period and whether there is multiple creditor-debtor entry, if so, applying borrowing to the user
Money audit does not pass through, comprising:
If judging that the user borrows or lends money number in the set period of time and is greater than or equal in advance according to first label
If borrowing or lending money number, then judge whether the quantity of the type of second label is greater than or equal to default number of species, if so, institute
Stating user, there are multiple creditor-debtor entries in the set period of time, apply for that loan audit does not pass through to the user, otherwise, institute
Stating user, there is no multiple creditor-debtor entries in the set period of time, apply for that loan audit passes through to the user；
If judging that the user borrows or lends money number in the set period of time and is less than described preset according to first label
Number is borrowed or lent money, then multiple creditor-debtor entry is not present in the user in the set period of time, applies for that loan is examined to the user
Core passes through.
Such as it is recorded, it is specified that having within a preset period of time by N kind or borrow money more than N kind loan platform, then the user
There are multiple creditor-debtor entries.So, presetting debt-credit number can be set to N, and default number of species are set as N.If the first label
Label user borrows or lends money number less than N in the set time period, then multiple creditor-debtor entry is not present in the user.If the first label marks
User borrows or lends money number more than or equal to N in the set time period, then needs to do further judgement according to the second label.For example, statistics
The second label of M kind is shared out, if M is less than N, which is not present multiple creditor-debtor entry, if M is more than or equal to N, the use
There are multiple creditor-debtor entries at family.
A kind of loan information checking method based on communication open platform is present embodiments provided, the first label and the are passed through
Two labels can whether there is multiple creditor-debtor entry to user and quickly be judged, review efficiency with higher.
Further, on the basis of the various embodiments described above, the short message content according to each debt-credit short message is true
The loan platform that the fixed user borrows or lends money every time, debt-credit short message identical to loan platform mark same second label, comprising:
The debt-credit short message is classified according to loan platform by the disaggregated model of machine learning training, to loan platform phase
Same debt-credit short message marks same second label；
Wherein, the disaggregated model is with several titles according to the loan platform in short message content, by loan platform
The identical short message of title marks the short message of same label to be trained to obtain as training sample.
The disaggregated model is by above-mentioned training sample to SVM (support vector machines), random forest or GBDT (gradient
Decline tree) it is trained to obtain, or by being trained to obtain to Bayes, decision tree or KNN algorithm.
A kind of loan information checking method based on communication open platform is present embodiments provided, trained classification is passed through
Algorithm can quickly carry out the label of the second label, improve the review efficiency of multiple creditor-debtor entry.
Specifically, short-message users portrait is then by data statistic analysis, to refine attribute tags to SMS classified.
Fig. 2 is the schematic diagram that process is trained to the model for being handled to obtain label by short message, referring to fig. 2, the training of model
It can be illustrated in conjunction with the several steps for the process for carrying out user's portrait below by way of short message, user's portrait is carried out by short message
Process include:
Step S11: note data is carried out at text analyzing, including digital processing, time-triggered protocol, entity identifier and participle
Reason (for example, the redundancy in short message is removed, redundancy is punctuate or certain class text).At training is to short message
When the model of reason, text source is the short message as training sample.
Step S12: to S11 treated data, carrying out Feature Engineering, including feature extraction, weight calculation, keyword are plucked
It wants, specific information extracts.
Step S13: to S12 treated characteristic, classified using machine learning algorithm, main application method has
SVM, random forest and GBDT.
Step S14: the data generated according to S13 are made into key-value pair form, using statistical analysis technique, to each mobile phone
User generates corresponding label.
Step S15: since mobile phone user's data have privacy, first data are taken off information sharing platform is added
It is quick, it is ensured that user data privacy.
It will be appreciated that can also realize information sharing (for example, being provided by other access platforms otherwise；Mutually
Networking crawler capturing；Bought at a low price from other platforms), by the inquiry request of integration access mechanism, information sharing platform can be with
Some identity ID is got in the application record of certain time, to take precautions against the multiple debt-credit of applicant.Meanwhile certain information are total
Enjoying platform also requires access mechanism to provide it the more information about applicant, such as home address, work unit, connection
People's phone etc..By the integration to these information, information sharing platform can suggest a huge related network, excavate group
Property the contour Risk Content of fraud.The advantage of use information shared platform is it can be seen that whether applicant has multiple debt-credit to remember
Record, the present embodiment are not introduced one by one.
Further, on the basis of the various embodiments described above, the identity information for obtaining the user, phone number and
Bank card information verifies the identity information, the phone number and the bank card information, comprising:
The identity information, phone number and bank card information for obtaining the user, according to the name in the identity information
And certificate information, judge it is pre-stored there are in the lists of persons of multiple lend-borrow action whether there is the user, if so,
The verifying of the identity information, the phone number and the bank card information is not passed through；
If the user is not present in the lists of persons, the of pre-stored phone number and identity information is obtained
One mapping relations judge the hand by first mapping relations by the name, certificate information and telephone number of the user
Whether machine number is the currently used phone number of the user, if it is not, then to the identity information, the phone number and
The bank card information verifying does not pass through；
If the phone number is the currently used phone number of the user, pre-stored bank card letter is obtained
Second mapping relations of breath, phone number and identity information, by the name of the user, certificate information, telephone number and bank
Card information judges whether the corresponding bank card of the bank card information belongs to the user by second mapping relations
Bank card, if it is not, not passing through to the verifying of the identity information, the phone number and the bank card information then；
If the corresponding bank card of the bank card information is the bank card for belonging to the user, to the identity information,
The phone number and the bank card information are verified；
Wherein, the certificate information is the ID card No. or passport number of the user.
Identity information generally includes name and certificate information.It is pre-stored that there are the lists of persons examples of multiple lend-borrow action
The blacklist with bad creditor-debtor entry of bank's offer in this way, tool bull debt-credit list or obtained according to big data analysis
There is the staff list of bad creditor-debtor entry.The subscriber phone number that first mapping relations can be bank or communication common carrier provides
The data of information.Second mapping relations are usually the bank card of the user provided by bank and the phone number for binding the bank card
Data.
As shown in figure 3, usually verifying name, certificate information and telephone number is referred to as " three elements verifying ", verifying name,
Certificate information, telephone number and bank card information are referred to as " verifying of four elements ".
A kind of loan information checking method based on communication open platform is present embodiments provided, automation is provided and carries out
The method of " verifying of four elements ", is manually audited so that no longer passing through to the verifying of userspersonal information, improves audit effect
Rate and accuracy.
Further, on the basis of the various embodiments described above, if the phone number is that the user is currently used
Phone number, then obtain the second mapping relations of pre-stored bank card information, phone number and identity information, comprising:
If the phone number is the currently used phone number of the user, the user in the certificate information is obtained
Photo as target user's photo, and obtains the pre-stored reference certificate image corresponding to the certificate information, obtains institute
It states referring to the reference user picture in certificate image；
Judge target user's photo and it is described referring to user picture whether be same people photo, if so, described
Certificate information is real docu-ment information, obtains the second mapping of pre-stored bank card information, phone number and identity information
Otherwise relationship does not pass through the verifying of the identity information, the phone number and the bank card information.
Pre-stored can be network loan platform referring to certificate image and acquire in advance corresponding to the certificate information
User certificate photograph, be also possible to by public security system provide interface obtain user certificate photograph, the present embodiment
This is not particularly limited.The algorithm of image procossing can be passed through to target user's photo and referring to the comparison judgement of user picture
Realize, for example, by OCR picture recognition technology judge target user's photo and referring to user picture whether be same people photograph
Piece.
A kind of loan information checking method based on communication open platform is present embodiments provided, is provided by comparison user
Certificate photograph and test with pre-stored certificate photograph to the certificate authenticity that user provides, further prevented use
The behavior that family is borrowed or lent money by false papers.
Further, on the basis of the various embodiments described above, judgement target user's photo and the reference are used
Family photo whether be same people photo, if so, the certificate information be real docu-ment information, obtain pre-stored bank
Second mapping relations of card information, phone number and identity information, comprising:
Judge target user's photo and it is described referring to user picture whether be same people photo, if so, obtain
The facial image of the user judges whether the user is the people referring in user picture according to the facial image,
If so, being that described user itself applies providing a loan, the of pre-stored bank card information, phone number and identity information is obtained
Otherwise two mapping relations do not pass through the verifying of the identity information, the phone number and the bank card information.
The facial image for obtaining the user takes pictures user by camera to obtain facial image.According to face figure
As judging whether the user is to realize referring to the people in user picture by face recognition technology.
Present embodiments provide a kind of loan information checking method based on communication open platform, the inspection of real-time perfoming face
It surveys, ensure that the user of debt-credit is me, fully ensured that the authenticity of information.
Specifically, when auditing to the essential information of user, name, cell-phone number, identity card that user is passed to are received
Number, bank's card number, identity card picture, online real-time face video data.Big data and artificial intelligence technology are introduced, user is passed
The information entered carries out three elements, four factor authentications, OCR picture recognition and recognition of face, finally returns that the information of user.Fig. 3
For the flow diagram that the information provided in this embodiment to user is audited, referring to Fig. 3, which includes:
Step S21: incoming name and identification card number judge whether there is in blacklist and bull debt-credit list, exist then
List is returned to, there is no then enter S22；
Step S22: incoming name, identification card number and cell-phone number carry out three elements verifying, and verifying does not pass through, then return to hand
Machine number is inconsistent with personal information, is verified the human face photo for returning to the screening line that public security department provides, and enter S23；
Step S23: the human face photo that S22 is returned is compared into the identity card human face photo that user provides, and online real-time
Face video data, carrying out recognition of face, (this step uses OCR picture recognition, Face datection, face verification and In vivo detection skill
Art), verifying does not pass through, then it is inconsistent with true man to return to identity card, is verified then into S24；
Step S24: incoming name, identification card number, cell-phone number and bank card carry out four factor authentications, and verifying does not pass through, returns
It is inconsistent with bank card information to return personal information, is verified, it is consistent with bank card information to return to personal information.
By above four steps, the identity qualification of creditor can be removed using manual examination and verification, improve efficiency and
Human factor is avoided to influence.Loan information checking method set all masters provided in this embodiment based on communication open platform
Blacklist, bull debt-credit list and the communication big data of stream, using user's Portrait brand technology, in conjunction with artificial intelligence technology (OCR identification
And recognition of face) and big data technology, it realizes Data Share System, while automatic review mechanism is used to identity information, that is, drops
Low net borrows the labor intensity of working platform personnel, improves the accuracy of user's audit, and can reduce the operation of loan platform
Risk.This method is netted using the model on " small front end, big backstage " and borrows platform, be automatically performed the review process to user, Ji Nengti
High efficiency, and cost can be reduced, help, which is netted, borrows platform examination user, and it is horizontal to improve air control for less Default Probability.
Fig. 4 shows a kind of loan information audit device based on communication open platform of the embodiment of the present invention offer
Structural block diagram, referring to fig. 4, the loan information audit device provided in this embodiment based on communication open platform includes authentication module
401, tag generation module 402 and auditing module 403, wherein
Authentication module 401 obtains the identity letter of the user after receiving the solicited message that user's application is provided a loan
Breath, phone number and bank card information, verify the identity information, the phone number and the bank card information；
Tag generation module 402, if for being verified to the identity information, the phone number and the bank card information
Pass through, then obtain the short message received by the corresponding terminal of the phone number, according to the short message for corresponding to the phone number
User's portrait is carried out to the user, obtains label related with the debt-credit historical information of the user；
Auditing module 403, for judging that the user exists according to label related with the debt-credit historical information of the user
It whether there is multiple creditor-debtor entry in set period of time, if so, applying for that loan audit does not pass through to the user.
Loan information audit device provided in this embodiment based on communication open platform is mentioned suitable for above-described embodiment
The loan information checking method based on communication open platform supplied, details are not described herein.
The embodiment provides a kind of loan informations based on communication open platform to audit device, and the device is to Shen
The user that please be provided a loan receives after identity information, phone number and the bank card information to the user are verified according to user
The short message arrived carries out user's portrait, and the label of the user to be drawn a portrait by user whether there is multiple debt-credit to the user in the recent period
Judged.Automatically the audit that essential information is carried out to user, improves the accuracy of review efficiency and audit.User's short message is anti-
The practical lend-borrow action for having answered user, by short message based on user carry out user tag that user draws a portrait to user whether
There are multiple debt-credits to be audited, and auditing result has reacted the recent practical lend-borrow action of user.It will be to user basic information
It audits and short message portrait is carried out according to the short message of user and combine, not only increase review efficiency, also improve and loan information is examined
The confidence level of core.
Fig. 5 is the structural block diagram for showing electronic equipment provided in this embodiment.
Referring to Fig. 5, the electronic equipment includes: processor (processor) 501, memory (memory) 502, communication
Interface (Communications Interface) 503 and bus 504；
Wherein,
The processor 501, memory 502, communication interface 503 complete mutual communication by the bus 504；
The communication interface 503 is passed for the information between the electronic equipment and terminal or the communication equipment of server
It is defeated；
The processor 501 is used to call the program instruction in the memory 502, to execute above-mentioned each method embodiment
Provided method, for example, receive user apply loan solicited message after, obtain the user identity information,
Phone number and bank card information verify the identity information, the phone number and the bank card information；If right
The identity information, the phone number and the bank card information are verified, then are obtained corresponding by the phone number
The short message that terminal receives carries out user's portrait to the user according to the short message for corresponding to the phone number, obtains and institute
State the related label of debt-credit historical information of user；Described in label judgement related according to the debt-credit historical information with the user
User whether there is multiple creditor-debtor entry in the set time period, if so, applying for that loan audit does not pass through to the user.
The present embodiment provides a kind of non-transient computer readable storage medium, the non-transient computer readable storage medium
Computer instruction is stored, the computer instruction makes the computer execute method provided by above-mentioned each method embodiment, example
It such as include: after receiving the solicited message that user applies for loan, to obtain the identity information, phone number and bank card of the user
Information verifies the identity information, the phone number and the bank card information；If to the identity information, institute
It states phone number and the bank card information is verified, then acquisition is received short by the corresponding terminal of the phone number
Letter carries out user's portrait to the user according to the short message for corresponding to the phone number, obtains going through with the debt-credit of the user
The information-related label of history；Judge the user in setting time according to the related label of debt-credit historical information with the user
It whether there is multiple creditor-debtor entry in section, if so, applying for that loan audit does not pass through to the user.
The present embodiment discloses a kind of computer program product, and the computer program product includes being stored in non-transient calculating
Computer program on machine readable storage medium storing program for executing, the computer program include program instruction, when described program instruction is calculated
When machine executes, computer is able to carry out method provided by above-mentioned each method embodiment, it may for example comprise: receive user's application
After the solicited message of loan, obtain the identity information, phone number and bank card information of the user, to the identity information,
The phone number and the bank card information are verified；If to the identity information, the phone number and the bank
Card information is verified, then obtains the short message received by the corresponding terminal of the phone number, according to corresponding to the mobile phone
The short message of number carries out user's portrait to the user, obtains label related with the debt-credit historical information of the user；According to
Label related with the debt-credit historical information of the user judges the user in the set time period and whether there is multiple debt-credit
Record, if so, applying for that loan audit does not pass through to the user.
Those of ordinary skill in the art will appreciate that: realize that all or part of the steps of above method embodiment can pass through
The relevant hardware of program instruction is completed, and program above-mentioned can be stored in a computer readable storage medium, the program
When being executed, step including the steps of the foregoing method embodiments is executed；And storage medium above-mentioned includes: ROM, RAM, magnetic disk or light
The various media that can store program code such as disk.
The embodiments such as electronic equipment described above are only schematical, wherein it is described as illustrated by the separation member
Unit may or may not be physically separated, and component shown as a unit may or may not be object
Manage unit, it can it is in one place, or may be distributed over multiple network units.It can select according to the actual needs
Some or all of the modules therein is selected to achieve the purpose of the solution of this embodiment.Those of ordinary skill in the art are not paying wound
In the case where the labour for the property made, it can understand and implement.
Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can
It realizes by means of software and necessary general hardware platform, naturally it is also possible to pass through hardware.Based on this understanding, on
Stating technical solution, substantially the part that contributes to existing technology can be embodied in the form of software products in other words, should
Computer software product may be stored in a computer readable storage medium, such as ROM/RAM, magnetic disk, CD, including several fingers
It enables and using so that a computer equipment (can be personal computer, server or the network equipment etc.) executes each implementation
Method described in certain parts of example or embodiment.
Finally, it should be noted that the above various embodiments is only to illustrate the technical solution of the embodiment of the present invention, rather than it is right
It is limited；Although the embodiment of the present invention is described in detail referring to foregoing embodiments, the ordinary skill of this field
Personnel are it is understood that it is still possible to modify the technical solutions described in the foregoing embodiments, or to part
Or all technical features are equivalently replaced；And these are modified or replaceed, it does not separate the essence of the corresponding technical solution
The range of each embodiment technical solution of the embodiment of the present invention.
Claims (10)
1. a kind of loan information checking method based on communication open platform characterized by comprising
After receiving the solicited message that user applies for loan, identity information, phone number and the bank card letter of the user is obtained
Breath, verifies the identity information, the phone number and the bank card information；
If being verified to the identity information, the phone number and the bank card information, obtain by the cell-phone number
The short message that the corresponding terminal of code receives carries out user's portrait to the user according to the short message for corresponding to the phone number,
Obtain label related with the debt-credit historical information of the user；
Judging the user in the set time period according to the related label of debt-credit historical information with the user whether there is
Multiple creditor-debtor entry, if so, applying for that loan audit does not pass through to the user.
2. the method according to claim 1, wherein described obtain is received by the corresponding terminal of the phone number
The short message arrived carries out user's portrait to the user according to the short message for corresponding to the phone number, obtains with the user's
Borrow or lend money the related label of historical information, comprising:
The short message received by the corresponding terminal of the phone number is obtained, to each short message, setting is extracted from the short message
At least one predetermined keyword, if the predetermined keyword extracted in the short message meets the keyword combination condition of setting,
The short message is debt-credit short message；
The item number of all debt-credit short messages received in the set period of time by the corresponding terminal of the phone number is counted,
As the number that the user borrows or lends money in the set period of time, generates and the user is marked to borrow in the set period of time
The first label of number is borrowed, and determines that the debt-credit that the user borrows or lends money every time is flat according to the short message content of each debt-credit short message
Platform, debt-credit short message identical to loan platform mark same second label.
3. according to the method described in claim 2, it is characterized in that, the basis is related with the debt-credit historical information of the user
Label judge the user in the set time period and whether there is multiple creditor-debtor entry, if so, applying borrowing to the user
Money audit does not pass through, comprising:
If judging that the user borrows or lends money number in the set period of time and is greater than or equal to default borrow according to first label
Number is borrowed, then judges whether the quantity of the type of second label is greater than or equal to default number of species, if so, the use
There are multiple creditor-debtor entries in the set period of time at family, apply for that loan audit does not pass through to the user, otherwise, the use
Multiple creditor-debtor entry is not present in family in the set period of time, applies for that loan audit passes through to the user；
If judging that the user borrows or lends money number less than the default debt-credit in the set period of time according to first label
Number, then multiple creditor-debtor entry is not present in the user in the set period of time, applies for that loan audit is logical to the user
It crosses.
4. according to the method described in claim 2, it is characterized in that, the short message content according to each debt-credit short message is true
The loan platform that the fixed user borrows or lends money every time, debt-credit short message identical to loan platform mark same second label, comprising:
The debt-credit short message is classified according to loan platform by the disaggregated model of machine learning training, it is identical to loan platform
It borrows or lends money short message and marks same second label；
Wherein, the disaggregated model is with several titles according to the loan platform in short message content, by the title of loan platform
Identical short message marks the short message of same label to be trained to obtain as training sample.
5. the method according to claim 1, wherein identity information, the phone number for obtaining the user
And bank card information, the identity information, the phone number and the bank card information are verified, comprising:
The identity information, phone number and bank card information for obtaining the user, according to the name and card in the identity information
Part information, judge it is pre-stored there are in the lists of persons of multiple lend-borrow action whether there is the user, if so, to institute
Identity information, the phone number and bank card information verifying is stated not pass through；
If the user is not present in the lists of persons, obtain pre-stored phone number and identity information first is reflected
Relationship is penetrated, by the name, certificate information and telephone number of the user, judges the cell-phone number by first mapping relations
Whether code is the currently used phone number of the user, if it is not, then to the identity information, the phone number and described
Bank card information verifying does not pass through；
If the phone number is the currently used phone number of the user, pre-stored bank card information, hand are obtained
Second mapping relations of machine number and identity information are believed by the name of the user, certificate information, telephone number and bank card
Breath, judges whether the corresponding bank card of the bank card information is the bank for belonging to the user by second mapping relations
Card, if it is not, not passing through to the verifying of the identity information, the phone number and the bank card information then；
If the corresponding bank card of the bank card information is the bank card for belonging to the user, to the identity information, described
Phone number and the bank card information are verified；
Wherein, the certificate information is the ID card No. or passport number of the user.
6. if according to the method described in claim 5, it is characterized in that, the phone number is that the user is currently used
Phone number, then obtain the second mapping relations of pre-stored bank card information, phone number and identity information, comprising:
If the phone number is the currently used phone number of the user, the user obtained in the certificate information is shone
Piece as target user's photo, and obtains the pre-stored reference certificate image corresponding to the certificate information, obtains described
Referring to the reference user picture in certificate image；
Judge target user's photo and it is described referring to user picture whether be same people photo, if so, the certificate
Information is real docu-ment information, obtains the second mapping relations of pre-stored bank card information, phone number and identity information,
Otherwise, the verifying of the identity information, the phone number and the bank card information is not passed through.
7. according to the method described in claim 6, it is characterized in that, judgement target user's photo and the reference are used
Family photo whether be same people photo, if so, the certificate information be real docu-ment information, obtain pre-stored bank
Second mapping relations of card information, phone number and identity information, comprising:
Judge target user's photo and it is described referring to user picture whether be same people photo, if so, obtain described in
The facial image of user judges whether the user is the people referring in user picture according to the facial image, if so,
It is then that described user itself applies providing a loan, obtain pre-stored bank card information, phone number and identity information second is reflected
Relationship is penetrated, otherwise, the verifying of the identity information, the phone number and the bank card information is not passed through.
8. a kind of loan information based on communication open platform audits device characterized by comprising
Authentication module obtains identity information, the cell-phone number of the user after receiving the solicited message that user's application is provided a loan
Code and bank card information, verify the identity information, the phone number and the bank card information；
Tag generation module, if for being verified to the identity information, the phone number and the bank card information,
The short message received by the corresponding terminal of the phone number is obtained, according to the short message corresponding to the phone number to the use
Family carries out user's portrait, obtains label related with the debt-credit historical information of the user；
Auditing module, for judging the user in setting time according to label related with the debt-credit historical information of the user
It whether there is multiple creditor-debtor entry in section, if so, applying for that loan audit does not pass through to the user.
9. a kind of electronic equipment characterized by comprising
At least one processor, at least one processor, communication interface and bus；Wherein,
The processor, memory, communication interface complete mutual communication by the bus；
The communication interface is for the information transmission between the electronic equipment and the communication equipment of terminal；
The memory is stored with the program instruction that can be executed by the processor, and the processor calls described program to instruct energy
Enough methods executed as described in any one of claims 1 to 7.
10. a kind of non-transient computer readable storage medium, which is characterized in that the non-transient computer readable storage medium is deposited
Computer instruction is stored up, the computer instruction makes the computer execute method as described in any one of claim 1 to 7.
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| CN201810972670.8A CN109214914A (en) | 2018-08-24 | 2018-08-24 | A kind of loan information checking method and device based on communication open platform |
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| CN201810972670.8A CN109214914A (en) | 2018-08-24 | 2018-08-24 | A kind of loan information checking method and device based on communication open platform |
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| CN110264342A (en) * | 2019-06-19 | 2019-09-20 | 深圳前海微众银行股份有限公司 | A kind of business audit method and device based on machine learning |
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| CN112184419A (en) * | 2020-09-27 | 2021-01-05 | 中国建设银行股份有限公司 | Method and device for providing service for customer |
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