CN109711969A - Campus credit methods, device, equipment and storage medium based on data analysis - Google Patents
Campus credit methods, device, equipment and storage medium based on data analysis Download PDFInfo
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- CN109711969A CN109711969A CN201810939024.1A CN201810939024A CN109711969A CN 109711969 A CN109711969 A CN 109711969A CN 201810939024 A CN201810939024 A CN 201810939024A CN 109711969 A CN109711969 A CN 109711969A
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- 238000011156 evaluation Methods 0.000 claims description 16
- 230000033228 biological regulation Effects 0.000 claims description 13
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- 238000004590 computer program Methods 0.000 claims description 12
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Abstract
The invention discloses a kind of campus credit methods based on data analysis, the following steps are included: receiving the application request of campus consumptive credit, obtain the application information for including in the application request, the corresponding student's credit information of the identity is obtained from default student's credit platform, and according to student's credit information, judge whether the corresponding application student of the identity meets the default credit terms of campus loan；If meeting, initial credit scheme is determined according to student's credit information；Each association finance account of the identity and its transaction record of each association finance account are obtained, and the initial credit scheme is adjusted according to the transaction record, credit is obtained and carries into execution a plan；It is carried into execution a plan determining target line of credit according to the credit.The invention also discloses a kind of campus credit device, equipment and storage mediums based on data analysis.The present invention is borrowed or lent money by data analysis around student group characteristic.
Description
Technical field
The present invention relates to network credit fields, more particularly to based on data analysis campus credit methods, device, equipment and
Storage medium.
Background technique
It is well known that most of revenue source of college student depends on parent, student will appear larger expenditure between school
The case where, the support of parent cannot be obtained in time sometimes, most of students carry out capital turnover by the way of debt-credit.
Group due to student as no stable income, under currently debt-credit review mechanism, student cannot be provided effectively
The social properties such as income proves, social security record, reference are reported audit material, do not borrow in face of the regular campus of campus student group
Product.Therefore, student can only select non-registered, illegal lending institution or individual to borrow or lend money, and such debt-credit mode is corresponding
Loan interest rate is high, process is irregular, and student is easy for being spoofed property loan and debt-ridden there are no out of school, and student is caused to exist
Be eager to look for a job during school and pay off debt, it is easy to occur that student is part-time cheated, or look for a job into multiple level marketing situations such as；How
For the population characteristic of campus student, realizing on line that campus is borrowed from technological layer becomes current technology urgently to be resolved and asks
Topic.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
The main purpose of the present invention is to provide the campus credit methods analyzed based on data, device, equipment and storages to be situated between
Matter, it is intended to be directed to campus student characteristic, realize the loan of convenient specification.
To achieve the above object, the present invention provides a kind of campus credit methods based on data analysis, described to be based on data
The campus credit methods of analysis the following steps are included:
The application request for receiving campus consumptive credit obtains the application information for including in the application request, wherein described
Application information includes: identity；
The corresponding student's credit information of the identity is obtained from default student's credit platform, and according to the student
Credit information, judges whether the corresponding application student of the identity meets the default credit terms of campus loan；
If the application student meets the default credit terms, initial credit is determined according to student's credit information
Scheme；
Obtain each association finance account of the identity and its transaction record of each association finance account, and root
The initial credit scheme is adjusted according to the transaction record, credit is obtained and carries into execution a plan；
It is carried into execution a plan determining target line of credit according to the credit, and presses the target credit line loan.
Optionally, the application request for receiving campus consumptive credit, obtains the letter of application for including in the application request
After the step of breath, comprising:
The application terminal of authorization prompt information to the identity is sent, to prompt the corresponding application of the application terminal
The inquiry operation of STUDENT AUTHORIZATION progress student's credit information；
It is described that the corresponding student's credit information of the identity is obtained from default student's credit platform, and according to described
Student's credit information judges the step of whether corresponding application student of the identity meets the default credit terms of campus loan,
Include:
The authorized order that the application terminal is sent is received, obtains the identity pair from default student's credit platform
The student's credit information answered；
Student's credit information is borrowed risk assessment rule with default campus to be compared, obtains risk evaluation result；
If the value-at-risk in the risk evaluation result is less than default value-at-risk, it is default to determine that the application student meets
Credit terms；
If the value-at-risk in the risk evaluation result is greater than or equal to default value-at-risk, the application student is determined not
Meet default credit terms.
Optionally, if the application student meets the default credit terms, according to student's credit information
The step of determining initial credit scheme, comprising:
If the application student meets the default credit terms, the credit etc. in student's credit information is obtained
Grade；
It obtains in default credit grade table with the matched credit scheme of the credit grade as initial credit scheme.
Optionally, the friendship of each association finance account for obtaining the identity and its each association finance account
Easily record, and the initial credit scheme is adjusted according to the transaction record, obtain the step of credit carries into execution a plan, comprising:
Each association finance account of the identity is obtained, and obtains each association finance account in preset time period
Transaction record；Wherein, transaction record includes: consumption information, Receiving information；
Every spending amount in the consumption information is added up, overall consumption amount is obtained, by the Receiving information
In every collection amount add up, obtain amount of always collecting money；
The ratio for determining total the gathering amount and the overall consumption amount, obtains the revenue and expenditure ratio of the application student,
And using revenue and expenditure ratio as regulation coefficient；
The credit data in the initial credit scheme are adjusted by the regulation coefficient, credit is formed and carries into execution a plan.
Optionally, described to be carried into execution a plan determining target line of credit according to the credit, and press the target line of credit
The step of making loans, comprising:
The credit middle maximum line of credit that carries into execution a plan is compared with the application amount in the application information；
If the maximum line of credit is greater than the application amount, using the application amount as target line of credit,
And press the target credit line loan；
If the maximum line of credit is less than the application amount, using the maximum line of credit as target line of credit
Degree, and press the target credit line loan.
Optionally, described to be carried into execution a plan determining target line of credit according to the credit, and press the target line of credit
After the step of making loans, comprising:
Judge whether each association finance account of the identity is arranged transaction abnormal prompt mode；
If each association finance account setting transaction abnormal prompt mode, obtains the friendship of each association finance account
Easily record, and the transaction record is compared with default abnormal determination rule；
If the transaction record meets default abnormal determination rule, from default student's credit platform described in inquiry
Apply for student's corresponding relationship people, and sends consumption abnormal prompt information to contact person's counterpart terminal.
Optionally, described to be carried into execution a plan determining target line of credit according to the credit, and press the target line of credit
After the step of making loans, further includes:
Judge whether each association finance account of the identity is arranged financial product recommendation pattern；
If financial product recommendation pattern is arranged in each association finance account, the account of each association finance account is obtained
Family remaining sum, and added up each account balance to obtain account overall balance；
The account overall balance is compared with preset threshold；
If the account overall balance is more than the preset threshold, obtain always remaining with the account in default financial product table
The matched financial product of volume carries out financial product recommendation as recommendation financial product.
In addition, to achieve the above object, it is described based on number the present invention also provides the campus credit device analyzed based on data
Include: according to the campus credit device of analysis
It receives and obtains module, the application for receiving campus consumptive credit is requested, and includes in the acquisition application request
Application information, wherein the application information includes: identity；
Judgment module is obtained, for obtaining the corresponding student's credit letter of the identity from default student's credit platform
Breath, and according to student's credit information, judge whether the corresponding application student of the identity meets the default letter of campus loan
Loan condition；
Scheme determining module is believed if meeting the default credit terms for the application student according to the student
Initial credit scheme is determined with information；
Project setting module, for obtaining each association finance account and its financial account of each association of the identity
The transaction record at family, and the initial credit scheme is adjusted according to the transaction record, it obtains credit and carries into execution a plan；
Amount determining module for being carried into execution a plan determining target line of credit according to the credit, and is believed by the target
Amount is borrowed to make loans.
In addition, to achieve the above object, the present invention also provides a kind of campuses based on data analysis based on data analysis
Credit equipment；
The campus credit equipment based on data analysis based on data analysis includes: memory, processor and storage
On the memory and the computer program that can run on the processor, in which:
The campus credit as described above based on data analysis is realized when the computer program is executed by the processor
The step of method.
In addition, to achieve the above object, the present invention also provides computer storage mediums；
Computer program, the realization when computer program is executed by processor are stored in the computer storage medium
Such as the step of the above-mentioned campus credit methods based on data analysis.
A kind of campus credit methods, device, equipment and storage medium based on data analysis that the embodiment of the present invention proposes,
The application request that campus consumptive credit is received by server obtains the application information for including in the application request, wherein institute
Stating application information includes: identity；The corresponding student's credit letter of the identity is obtained from default student's credit platform
Breath, and according to student's credit information, judge whether the corresponding application student of the identity meets the default letter of campus loan
Loan condition；If the application student meets the default credit terms, initial credit is determined according to student's credit information
Scheme；Obtain the identity each association finance account and its it is each it is described association finance account transaction record, and according to
The transaction record adjusts the initial credit scheme, obtains credit and carries into execution a plan；It is carried into execution a plan determining mesh according to the credit
Line of credit is marked, and presses the target credit line loan.Campus loan application person does not need to provide social property in the present invention
Material is audited, for server in the application request for receiving loan of arriving school, server obtains student's credit information, according to student's credit
Information carries out risk assessment to the credit of student group, under the premise of determining credit risk, realizes that campus is borrowed on line, effectively
The drawbacks of current campus is borrowed is evaded.
Detailed description of the invention
Fig. 1 is the apparatus structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram for the campus credit methods first embodiment analyzed the present invention is based on data；
Fig. 3 is the functional block diagram for one embodiment of campus credit device analyzed the present invention is based on data.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific 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.
As shown in Figure 1, the server that Fig. 1 is the hardware running environment that the embodiment of the present invention is related to (is called based on number
According to the campus credit equipment based on data analysis of analysis, wherein the campus credit based on data analysis based on data analysis
Equipment can be to be made of the campus credit device individually based on data analysis, is also possible to by other devices and based on data
The campus credit device of analysis combines to be formed) structural schematic diagram.
Server of the embodiment of the present invention refers to a management resource and provides the computer of service for user, is generally divided into file
Server, database server and apps server.The computer or computer system for running the above software are also referred to as
Server.For common PC (personal computer) personal computer, server is in stability, safety, property
Energy etc. requires higher；As shown in Figure 1, the server may include: processor 1001, such as central processing unit
(Central Processing Unit, CPU), network interface 1004, user interface 1003, memory 1005, communication bus
1002, hardware such as chipset, disk system, network etc..Wherein, communication bus 1002 is for realizing the connection between these components
Communication.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user
Interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include having for standard
Line interface, wireless interface (such as Wireless Fidelity WIreless-FIdelity, WIFI interface).Memory 1005 can be high speed with
Machine accesses memory (random access memory, RAM), is also possible to stable memory (non-volatile
), such as magnetic disk storage memory.Memory 1005 optionally can also be the storage dress independently of aforementioned processor 1001
It sets.
Optionally, server can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, sound
Frequency circuit, WiFi module；Input unit, than display screen, touch screen；Network interface can be blue in blanking wireless interface in addition to WiFi
Tooth, probe, 3G/4G/5G (digital representation of front be cellular mobile communication networks algebra.Which exactly indicate to be generation
Network.English alphabet G indicates generation) internet base station equipment etc..It will be understood by those skilled in the art that showing in Fig. 1
Server architecture out does not constitute the restriction to server, may include than illustrating more or fewer components, or combination
Certain components or different component layouts.
As shown in Figure 1, the computer software product, which is stored in a storage medium, (storage medium: is called computer storage
Medium, computer media, readable medium, readable storage medium storing program for executing, computer readable storage medium are directly medium etc., such as
RAM, magnetic disk, CD) in, including some instructions are used so that a terminal device (can be mobile phone, computer, server, sky
Adjust device or the network equipment etc.) method described in each embodiment of the present invention is executed, as a kind of depositing for computer storage medium
It may include operating system, network communication module, Subscriber Interface Module SIM and computer program in reservoir 1005.
In server shown in Fig. 1, network interface 1004 be mainly used for connect background data base, with background data base into
Row data communication；User interface 1003 is mainly used for connection client, and (client, is called user terminal or terminal, and the present invention is implemented
Example terminal can be also possible to mobile terminal with fixed terminal, wherein fixed terminal is such as " internet of things equipment ", with network savvy
Intelligent air condition, intelligent electric lamp, intelligent power etc.；Mobile terminal, such as the AR/VR equipment with network savvy, it is intelligent sound box, automatic
Driving, PC, the terminal having a display function such as smart phone, tablet computer, E-book reader, portable computer are set
It is standby, it can also configure gyro comprising sensor such as optical sensor, motion sensor and other sensors, mobile terminal in terminal
The other sensors such as instrument, barometer, hygrometer, thermometer, infrared sensor, details are not described herein), it is counted with client
According to communication；And processor 1001 can be used for calling the computer program stored in memory 1005, and execute the present invention or less
The step in the campus credit methods based on data analysis that embodiment provides.
It is described based on data point the present invention is based in the first embodiment of the campus credit methods of data analysis referring to Fig. 2
The campus credit methods of analysis include:
Before the step of the present embodiment executes, software developer in advance connects the data of server and student's credit platform
Mouth is docked, and server can get student's credit information on student's credit platform by data-interface, and according to
Raw credit information carries out the risk assessment of campus loan finally to determine whether to be made loans and its amount of making loans, specifically:
Step S10 receives the application request of campus consumptive credit, obtains the application information for including in the application request,
Wherein, the application information includes: identity.
The present embodiment middle school student trigger the application request of campus consumptive credit at the terminal, and application request is sent to by terminal
Server, the application request for the campus consumptive credit that server receiving terminal is sent, and obtain in the application request and include
Application information, wherein application information includes: applicant's title, application account, applies for amount, payback period and/or mode of repayment
Deng.
For example, User installs student's financial management software in advance in mobile phone (terminal), student is in student's finance pipe
It manages and inputs bank card or other card numbers with payment or money saving function on software, carry out student's financial management software
It is bound with student's finance account, student consumes and saves on student's financial management software, for example, parents of student will live
Expense, tuition fee, hotel expense etc. get to student's financial management software binding bank card on, student by student's financial management software from
The consumption expenditure is carried out on the bank card, when Sorry, your ticket has not enough value for the bank card, student can touch on student's financial management software
The application request of campus consumptive credit is sent out, student's financial management software corresponding server receives application request, and obtains application
Request corresponding application information.
In the present embodiment, User can carry out the application request of loan consumptive credit, that is, existing to be directed to student
Only student's loans for supporting students and Student Entrepreneurship are provided a loan, and increase campus consumptive credit in the present embodiment, so that the type that campus is borrowed
More, it is more to borrow corresponding people for campus.
After step slo, comprising:
Server sends the application terminal of authorization prompt information to the identity, to prompt the application terminal corresponding
Application STUDENT AUTHORIZATION carry out student's credit information inquiry operation.
In the present embodiment, when server receives application request, server needs to obtain the credit information of application student,
To carry out the risk assessment of campus loan, server sends the application terminal of authorization prompt information to the identity, with prompt
The inquiry operation applied for the corresponding application STUDENT AUTHORIZATION of terminal and carry out student's credit information, that is, server obtains student's use
Authorization query student's credit information at family, can not only guarantee privacy and the safety of student information in this way, but also can prevent from learning
Raw credit information is changed by unauthorized access or without authorization.
Step S20, obtains the corresponding student's credit information of the identity from default student's credit platform, and according to
Student's credit information, judges whether the corresponding application student of the identity meets the default credit terms of campus loan.
Server obtains the corresponding student's credit information of the identity from default student's credit platform, wherein pre-
If student's credit platform is the student information platform that server docks in advance, for example, learning the platforms such as letter net；Identity refers to can
With the identification information of unique identification pupilage, for example, pupilage card number, student name etc.；Student's credit information includes:
Student's essential information, student result data, archive of student information, student's rewards and punishments information, student loan information, student's credit card letter
Breath and other information, default student's credit platform is for carrying out student's basic information management, student result data management, Xue Shengdang
Case information management, student's rewards and punishments information management, student loan information management, the management of student's credit card information and other information pipe
Reason, that is, server inquires default student's credit platform, it is corresponding to obtain identity according to the identity in application information
Student's credit information.
After server gets student's credit information, server carries out student's credit according to student's credit information
Risk assessment, to judge whether the corresponding application student of the identity meets the default credit terms of campus loan, specifically, packet
It includes:
Step a1 receives the authorized order that the application terminal is sent, obtains the body from default student's credit platform
Part identifies corresponding student's credit information；
Student's credit information is borrowed risk assessment rule with default campus and is compared, obtained risk and comment by step a2
Estimate result；
Step a3 determines the application student if the value-at-risk in the risk evaluation result is less than default value-at-risk
Meet default credit terms；
Step a4 determines the Shen if the value-at-risk in the risk evaluation result is greater than or equal to default value-at-risk
Please student do not meet default credit terms.
That is, student's credit information that server will acquire is borrowed risk assessment rule with default campus and is compared, wind is obtained
Dangerous assessment result, wherein default campus borrows risk assessment rule and refers to that risk rule is borrowed in pre-set campus, presets campus and borrows
Risk assessment rule can be configured according to specific circumstances, for example, campus, which is arranged, according to the home background of student borrows risk
Assessment rule, or campus is arranged according to the consumption of student and borrows risk assessment rule；Server by student's credit information with
Default campus is borrowed risk assessment rule and is compared, and obtains risk evaluation result, and by risk evaluation result value-at-risk with
Default value-at-risk is compared, to judge whether this application student meets the default credit terms of campus loan；Wherein, risk is preset
Value refers to the risk critical value set in advance, can be with flexible setting；That is, being preset if the value-at-risk in the risk evaluation result is less than
Value-at-risk, then server determines that the application student meets default credit terms；If the value-at-risk in the risk evaluation result
More than or equal to default value-at-risk, then server determines that the application student does not meet default credit terms.
For example, given in the present embodiment campus borrow risk assessment rule: application student is currently in debt maximum amount do not surpass
Cross 30000；Default value-at-risk is 2；If applying, currently debt amount is 10000 to the student in student's credit information of student,
Server by the student in student's credit information currently debt amount be 10000 with the campus loan risk assessment rule compare
Right, obtained Risk Results risk value is 1, and server determines that application student meets default credit terms；If applying for student's
Currently debt amount is 30001 to student in student's credit information, and the student in student's credit information is currently in debt by server
Amount is borrowed risk assessment rule with the campus for 30001 and is compared, and obtained Risk Results risk value is 3, and server is sentenced
Surely application student cannot not meet defaultly credit terms, wherein default credit terms refer to that condition is borrowed in pre-set campus.
Server carries out the risk of campus loan according to student's credit information on default student's credit platform in the present embodiment
Assessment, and the risk evaluation result borrowed according to campus, determine whether application student meets default credit terms, in the present embodiment not
User is needed to provide the social properties audit materials such as income proves, social security record, reference are reported, but according to student's attribute
Characteristic correspond to campus borrow carry out risk assessment so that the operation of User is more convenient.
Further, after step S20, comprising:
If the application student does not meet the default credit terms, server acquisition does not meet default campus and borrows risk
The information of rule is assessed, and the information for meeting default campus loan risk assessment rule is generated into prompt information and is sent to application eventually
End, so that User understands concrete condition.
Step S30 is determined if the application student meets the default credit terms according to student's credit information
Initial credit scheme.
If the application student meets the default credit terms, that is, server, which determines, makes loans to application student, into
One step, server determines initial credit scheme according to student's credit information, wherein comprising initial in initial credit scheme
Credit amount, initial credit rate and/or credit payback period etc. credit data, the credit data in initial credit scheme are also
It is adjustable, specifically, giving a kind of side for determining initial credit scheme according to student's credit information in the present embodiment
Method:
Step b1 is obtained in student's credit information if the application student meets the default credit terms
Credit grade；
Step b2 is obtained in default credit grade table with the matched credit scheme of the credit grade as initial credit side
Case.
That is, server determines that application student meets the default credit terms, server is obtained in student's credit information
Credit grade is compared with default credit grade table for credit grade, server, and server obtains in default credit grade table
With the matched credit scheme of the credit grade as initial credit scheme, default credit grade table refers to pre-set credit
Grade table corresponding with credit scheme presets the corresponding credit scheme of a credit grade in credit grade table.
Determine that application student meets the default credit terms according in server in the present embodiment, then according to
Raw credit information determines initial credit scheme, to obtain final campus credit side's case based on the initial credit scheme, so that school
It is more reasonable that garden is borrowed.
Step S40 obtains the transaction of each association finance account and its each association finance account of the identity
Record, and the initial credit scheme is adjusted according to the transaction record, it obtains credit and carries into execution a plan.
Server obtains each association finance account of the identity and its transaction note of each association finance account
Record, for example, the User Identity that server is got are as follows: 530315xxxx xxxx0541, server obtain 530315xxxx
The whole bank cards of xxxx0541 under one's name, and obtain the transaction record of each bank card；For example, the expenditure information of each bank card
With income information；The expenditure information of each bank card is added up to obtain overall consumption amount by server, and by each bank card
Input information added up to obtain, obtain amount of always collecting money；Server determines total gathering amount and the overall consumption volume
The corresponding revenue and expenditure ratio of degree, and using revenue and expenditure ratio as regulation coefficient；Server adjusts the initial credit by regulation coefficient
Credit data in scheme form credit and carry into execution a plan.Server determines credit according to customer consumption information in the present embodiment
It carries into execution a plan, so that student's credit meets the demand of User.
Step S50 carries into execution a plan determining target line of credit according to the credit, and puts by the target line of credit
Money.
That is, server by the credit carry into execution a plan the application amount in middle maximum line of credit and the application information into
Row compares；If the maximum line of credit is greater than the application amount, (again using the application amount as target line of credit
It is final line of credit), and press the target credit line loan；If the maximum line of credit is less than the application amount,
Then using the maximum line of credit as target line of credit, and press the target credit line loan, that is, server will be final
The corresponding fund of line of credit is sent to the corresponding application account of application information.
Campus loan application person does not need to provide social property audit material in the present invention, and server is arrived school loan in reception
Application request when, server obtains student's credit information, carries out risk to the credit of student group according to student's credit information
Assessment realizes that campus is borrowed on line, has effectively evaded the drawbacks of current campus is borrowed under the premise of determining credit risk.
On the basis of first embodiment of the invention, the present embodiment is further provided, the present embodiment is that invention first is real
Apply the refinement of step S40 in example.
It is specifically illustrated in the present embodiment in the case where student does not take in or other assets proves, server determines
Student's credit scheme, specifically, the campus credit methods based on data analysis include:
Step S41, obtains each association finance account of the identity, and obtains each association finance account pre-
If the transaction record of period；
Server obtains each association finance account of the identity, and obtains each association finance account default
The transaction record of period；Preset time period refers to pre-set temporal information, for example, preset time period is set as one month
An or season；That is, server obtains the transaction record of season student each bank card under one's name, wherein transaction record
It include: consumption information, Receiving information；To be assessed according to the transaction record got the consumption of User.
Every spending amount in the consumption information is added up, obtains overall consumption amount by step S42, will be described
Every collection amount in Receiving information adds up, and obtains amount of always collecting money.
Server adds up every spending amount in the consumption information, obtains overall consumption amount, by the receipts
Every collection amount in money information adds up, and obtains amount of always collecting money, server is according to overall consumption amount and total receipt
Degree estimates the consumption of user.
Step S43 determines the ratio of total the gathering amount and the overall consumption amount, obtains the receipts of the application student
Branch ratio, and using revenue and expenditure ratio as regulation coefficient；
Server determines the ratio of total the gathering amount and the overall consumption amount, obtains the revenue and expenditure of the application student
Ratio, server is using revenue and expenditure ratio as regulation coefficient, that is, is adjusted in the present embodiment according to the revenue and expenditure ratio-dependent of application student
Coefficient can make determining campus credit scheme more reasonable.
Step S44 adjusts the credit data in the initial credit scheme by the regulation coefficient, forms the credit side of execution
Case.
Server is adjusted the credit data in the initial credit scheme by the regulation coefficient, forms the credit side of execution
Case, for example, 2200 yuan of the total income of User, 2000 yuan of revenue and expenditure ratios 1.1 of total expenditure, server is by 1.1 as adjustment system
It counts, initial credit amount is 10000 in the initial credit scheme of server, credit rate 6%, then server is according to adjustment
It is 10000 that number, which adjusts initial credit amount in initial credit schemes, credit rate 5%, obtains credit and carries into execution a plan middle credit
Amount is 11000, credit rate 5.4%.Server is determined credit according to customer consumption situation and holds in the present embodiment
Row scheme not only with the interests of guaranteed loan side but also can satisfy the demand for borrowing or lending money user.
On the basis of first embodiment of the invention, further provide the present invention is based on data analysis campus credit side
The second embodiment of method.
It can be prompted to parents of student when abnormal consumption occurs in user in the present embodiment, so that parents of student
The consumption of student is solved, specifically: the campus credit methods based on data analysis include:
Step S60, judges whether each association finance account of the identity is arranged transaction abnormal prompt mode.
Server judges whether each association finance account of the identity is arranged transaction abnormal prompt mode, that is, learns
Transaction abnormal prompt mode can be set in raw user, can be prompted being associated with the case where abnormal transaction occurs in finance account,
Wherein, abnormal transaction can refer to the transaction of wholesale degree, or the transaction or other situations that are repeated as many times.
Step S70, if each association finance account setting transaction abnormal prompt mode, obtains each association finance
The transaction record of account, and the transaction record is compared with default abnormal determination rule.
If each association finance account setting transaction abnormal prompt mode, server obtain the financial account of each association
The transaction record at family, wherein transaction record includes exchange hour, transaction limit and transaction count etc., and server is by the friendship
Easily record is compared with default abnormal determination rule, to judge whether it is abnormal transaction according to comparison result, wherein preset different
Normal decision rule is pre-set transaction abnormal determination rule, for example, transaction daily is then abnormal more than 10 times.
Step S80, if the transaction record meets default abnormal determination rule, from default student's credit platform
The application student corresponding relationship people is inquired, and sends consumption abnormal prompt information to contact person's counterpart terminal.
If the transaction record meets default abnormal determination rule, that is, transaction abnormal conditions, clothes occurs in user-association account
Business device then inquires the application student corresponding relationship people from default student's credit platform, and sends consumption abnormal prompt letter
It ceases to contact person's counterpart terminal.In the present embodiment when there is abnormal consumption, it is flat that server obtains default student's credit
The information such as platform Middle School Students ' Parents, and transaction exception information is sent to parents of student, so that parents of student accurately understands student and disappears
Take situation, when abnormal conditions occurs in student, parent can understand in time.
Further, the present invention is based on data analysis campus credit methods 3rd embodiment in, server according to
The consumption at family carries out financial product recommendation, and the campus credit methods based on data analysis include:
Step S90, judges whether each association finance account of the identity is arranged financial product recommendation pattern.
Server judges whether each association finance account of the identity is arranged financial product recommendation pattern, that is, uses
Financial product recommendation pattern can be arranged in association finance account in family, and server is made to send financial product to user terminal.
Step S100 obtains each association gold if financial product recommendation pattern is arranged in each association finance account
Melt the account balance of account, and is added up each account balance to obtain account overall balance.
If financial product recommendation pattern is arranged in each association finance account, server obtains the financial account of each association
The account balance at family, and added up each account balance to obtain account overall balance, that is, server is according to determining user's
Account overall balance, to recommend relevant finance product to user according to the account overall balance of User.
The account overall balance is compared by step S110 with preset threshold；If the account overall balance is more than described
Preset threshold is then obtained in default financial product table and is produced with the matched financial product of the account overall balance as recommendation finance
Product, and carry out financial product recommendation.
The account overall balance is compared by server with preset threshold, wherein preset threshold be it is pre-set most
Small critical value, for example, being set as 1000；If the account overall balance is more than the preset threshold, server is by account overall balance
Matching is compared with the purchase amount of each financial product in default financial product table, and server will be in default financial product table
Financial product corresponding with the matched purchase amount of account overall balance recommends the financial product as recommendation financial product
The user.
It should be noted that giving a kind of simple financial product way of recommendation in the present embodiment, produced in practical finance
When product are recommended, it can also be combined with other factors；The available user of server is respectively associated with finance in the present embodiment
The consumption information of account carries out the recommendation of financial product, can make student early recognize finance product, study financing is gone forward side by side
Row reasonable consumption.
In addition, the embodiment of the present invention also proposes a kind of campus credit device based on data analysis, the base with reference to Fig. 3
Include: in the campus credit device of data analysis
It receives and obtains module 10, the application for receiving campus consumptive credit is requested, and includes in the acquisition application request
Application information, wherein the application information includes: identity；
Judgment module 20 is obtained, for obtaining the corresponding student's credit of the identity from default student's credit platform
Information, and according to student's credit information, judge whether the corresponding application student of the identity meets the default of campus loan
Credit terms；
Scheme determining module 30, if meeting the default credit terms for the application student, according to the student
Credit information determines initial credit scheme；
Project setting module 40, each association finance account and its each association for obtaining the identity are financial
The transaction record of account, and the initial credit scheme is adjusted according to the transaction record, it obtains credit and carries into execution a plan；
Amount determining module 50 for carrying into execution a plan determining target line of credit according to the credit, and presses the target
Credit line loan.
Optionally, the campus credit device based on data analysis, comprising:
Cue module is authorized, for sending the application terminal of authorization prompt information to the identity, described in prompt
Apply for that the corresponding application STUDENT AUTHORIZATION of terminal carries out the inquiry operation of student's credit information；
The acquisition judgment module 20, comprising:
Acquiring unit is received, the authorized order sent for receiving the application terminal, from default student's credit platform
Obtain the corresponding student's credit information of the identity；
Information comparison unit is compared for student's credit information to be borrowed risk assessment rule with default campus,
Obtain risk evaluation result；
First judging unit determines institute if being less than default value-at-risk for the value-at-risk in the risk evaluation result
It states application student and meets default credit terms；
Second judging unit, if being greater than or equal to default value-at-risk for the value-at-risk in the risk evaluation result,
Determine that the application student does not meet default credit terms.
Optionally, scheme determining module 30, comprising:
Credit grade determination unit obtains if meeting the default credit terms for the application student
Credit grade in raw credit information；
Initial scheme determination unit, for obtain in default credit grade table with the matched credit scheme of the credit grade
As initial credit scheme.
Optionally, project setting module 40, comprising:
Transaction acquiring unit for obtaining each association finance account of the identity, and obtains each association gold
Melt account in the transaction record of preset time period；Wherein, transaction record includes: consumption information, Receiving information；
Data processing unit obtains overall consumption volume for every spending amount in the consumption information to add up
Degree, every collection amount in the Receiving information is added up, amount of always collecting money is obtained；
Regulation coefficient determination unit obtains institute for determining the ratio of total the gathering amount and the overall consumption amount
The revenue and expenditure ratio of application student is stated, and using revenue and expenditure ratio as regulation coefficient；
Project setting unit is formed for adjusting the credit data in the initial credit scheme by the regulation coefficient
Credit carries into execution a plan.
Optionally, amount determining module 50, comprising:
Amount comparing unit, the Shen for the credit to carry into execution a plan in middle maximum line of credit and the application information
Please amount be compared；
First determination unit, if being greater than the application amount for the maximum line of credit, by the application amount
As target line of credit, and press the target credit line loan；
Second determination unit, if being less than the application amount for the maximum line of credit, by the maximum credit
Amount presses the target credit line loan as target line of credit.
Optionally, the campus credit device based on data analysis, comprising:
Abnormal prompt module, for judging whether each association finance account of the identity is arranged transaction abnormal prompt
Mode；
Spending limit comparison module, if being obtained for each association finance account setting transaction abnormal prompt mode
The transaction record of each association finance account, and the transaction record is compared with default abnormal determination rule；
Sending module is prompted, if meeting default abnormal determination rule for the transaction record, from the default student
The application student corresponding relationship people is inquired in credit platform, and it is corresponding eventually to the contact person to send consumption abnormal prompt information
End.
Optionally, the campus credit device based on data analysis, further includes:
Recommended setting module is recommended for judging whether each association finance account of the identity is arranged financial product
Mode；
Overall balance determining module obtains each if financial product recommendation pattern is arranged for each association finance account
The account balance of the association finance account, and added up each account balance to obtain account overall balance；
Overall balance comparison module, for the account overall balance to be compared with preset threshold；
Product determining module obtains default financial product if being more than the preset threshold for the account overall balance
With the matched financial product of the account overall balance as recommendation financial product in table, and carry out financial product recommendation.
Wherein, the step of each Implement of Function Module of the campus credit device based on data analysis, can refer to base of the present invention
In each embodiment of the campus credit methods of data analysis, details are not described herein again.
In addition, the embodiment of the present invention also proposes a kind of computer storage medium.
Computer program, the realization when computer program is executed by processor are stored in the computer storage medium
Operation in campus credit methods provided by the above embodiment based on data analysis.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality
Body/operation/object is distinguished with another entity/operation/object, without necessarily requiring or implying these entity/operations/
There are any actual relationship or orders between object；The terms "include", "comprise" or its any other variant meaning
Covering non-exclusive inclusion, so that the process, method, article or the system that include a series of elements not only include that
A little elements, but also including other elements that are not explicitly listed, or further include for this process, method, article or
The intrinsic element of system.In the absence of more restrictions, the element limited by sentence "including a ...", is not arranged
Except there is also other identical elements in process, method, article or the system for including the element.
For device embodiment, since it is substantially similar to the method embodiment, related so describing fairly simple
Place illustrates referring to the part of embodiment of the method.The apparatus embodiments described above are merely exemplary, wherein making
It may or may not be physically separated for the unit of separate part description.In can selecting according to the actual needs
Some or all of the modules realize the purpose of the present invention program.Those of ordinary skill in the art are not making the creative labor
In the case where, it can it understands and implements.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of campus credit methods based on data analysis, which is characterized in that the campus credit side based on data analysis
Method the following steps are included:
The application request for receiving campus consumptive credit obtains the application information for including in the application request, wherein the application
Information includes: identity；
The corresponding student's credit information of the identity is obtained from default student's credit platform, and according to student's credit
Information, judges whether the corresponding application student of the identity meets the default credit terms of campus loan；
If the application student meets the default credit terms, initial credit side is determined according to student's credit information
Case；
Each association finance account of the identity and its transaction record of each association finance account are obtained, and according to institute
It states transaction record and adjusts the initial credit scheme, obtain credit and carry into execution a plan；
It is carried into execution a plan determining target line of credit according to the credit, and presses the target credit line loan.
2. the campus credit methods as described in claim 1 based on data analysis, which is characterized in that the reception campus consumption
After the step of application of credit is requested, and the application information for including in the application request is obtained, comprising:
The application terminal of authorization prompt information to the identity is sent, to prompt the corresponding application student of the application terminal
Authorization carries out the inquiry operation of student's credit information；
It is described that the corresponding student's credit information of the identity is obtained from default student's credit platform, and according to the student
Credit information judges the step of whether corresponding application student of the identity meets the default credit terms of campus loan, comprising:
The authorized order that the application terminal is sent is received, it is corresponding to obtain the identity from default student's credit platform
Student's credit information；
Student's credit information is borrowed risk assessment rule with default campus to be compared, obtains risk evaluation result；
If the value-at-risk in the risk evaluation result is less than default value-at-risk, determine that the application student meets default credit
Condition；
If the value-at-risk in the risk evaluation result is greater than or equal to default value-at-risk, determine that the application student does not meet
Default credit terms.
3. the campus credit methods as described in claim 1 based on data analysis, which is characterized in that if the application is learned
Raw the step of meeting the default credit terms, then initial credit scheme being determined according to student's credit information, comprising:
If the application student meets the default credit terms, the credit grade in student's credit information is obtained；
It obtains in default credit grade table with the matched credit scheme of the credit grade as initial credit scheme.
4. the campus credit methods as described in claim 1 based on data analysis, which is characterized in that described to obtain the identity
The transaction record of each association finance account of mark and its each association finance account, and institute is adjusted according to the transaction record
Initial credit scheme is stated, the step of credit carries into execution a plan is obtained, comprising:
Each association finance account of the identity is obtained, and obtains each association finance account in the friendship of preset time period
Easily record；Wherein, transaction record includes: consumption information, Receiving information；
Every spending amount in the consumption information is added up, overall consumption amount is obtained, it will be in the Receiving information
Every collection amount adds up, and obtains amount of always collecting money；
The ratio for determining total the gathering amount and the overall consumption amount, obtains the revenue and expenditure ratio of the application student, and will
Revenue and expenditure ratio is as regulation coefficient；
The credit data in the initial credit scheme are adjusted by the regulation coefficient, credit is formed and carries into execution a plan.
5. the campus credit methods as described in claim 1 based on data analysis, which is characterized in that described according to the credit
Carry into execution a plan determining target line of credit, and the step of pressing the target credit line loan, comprising:
The credit middle maximum line of credit that carries into execution a plan is compared with the application amount in the application information；
If the maximum line of credit is greater than the application amount, using the application amount as target line of credit, and press
The target credit line loan；
If the maximum line of credit is less than the application amount, using the maximum line of credit as target line of credit,
And press the target credit line loan.
6. the campus credit methods as described in claim 1 based on data analysis, which is characterized in that described according to the credit
Carry into execution a plan determining target line of credit, and after the step of pressing the target credit line loan, comprising:
Judge whether each association finance account of the identity is arranged transaction abnormal prompt mode；
If each association finance account setting transaction abnormal prompt mode, obtains the transaction note of each association finance account
Record, and the transaction record is compared with default abnormal determination rule；
If the transaction record meets default abnormal determination rule, the application is inquired from default student's credit platform
Student corresponding relationship people, and consumption abnormal prompt information is sent to contact person's counterpart terminal.
7. the campus credit methods as described in claim 1 based on data analysis, which is characterized in that described according to the credit
Carry into execution a plan determining target line of credit, and after the step of pressing the target credit line loan, further includes:
Judge whether each association finance account of the identity is arranged financial product recommendation pattern；
If financial product recommendation pattern is arranged in each association finance account, obtain more than each account for being associated with finance account
Volume, and added up each account balance to obtain account overall balance；
The account overall balance is compared with preset threshold；
If the account overall balance is more than the preset threshold, obtain in default financial product table with the account overall balance
The financial product matched carries out financial product recommendation as recommendation financial product.
8. a kind of campus credit device based on data analysis, which is characterized in that the campus credit dress based on data analysis
It sets and includes:
It receives and obtains module, the application for receiving campus consumptive credit is requested, and the application for including in the application request is obtained
Information, wherein the application information includes: identity；
Judgment module is obtained, for obtaining the corresponding student's credit information of the identity from default student's credit platform,
And according to student's credit information, judge whether the corresponding application student of the identity meets the default credit item of campus loan
Part；
Scheme determining module is believed if meeting the default credit terms for the application student according to student's credit
Breath determines initial credit scheme；
Project setting module, for obtaining each association finance account and its each association finance account of the identity
Transaction record, and the initial credit scheme is adjusted according to the transaction record, it obtains credit and carries into execution a plan；
Amount determining module for carrying into execution a plan determining target line of credit according to the credit, and presses the target line of credit
Degree is made loans.
9. a kind of campus credit equipment based on data analysis based on data analysis, which is characterized in that described based on data point
The campus credit equipment based on data analysis of analysis includes: memory, processor and is stored on the memory and can be in institute
State the computer program run on processor, in which:
When the computer program is executed by the processor realize as described in any one of claims 1 to 7 based on data
The step of campus credit methods of analysis.
10. a kind of computer storage medium, which is characterized in that be stored with computer program, institute in the computer storage medium
State the campus based on data analysis realized as described in any one of claims 1 to 7 when computer program is executed by processor
The step of credit methods.
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| CN201810939024.1A CN109711969A (en) | 2018-08-17 | 2018-08-17 | Campus credit methods, device, equipment and storage medium based on data analysis |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810939024.1A CN109711969A (en) | 2018-08-17 | 2018-08-17 | Campus credit methods, device, equipment and storage medium based on data analysis |
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|---|---|---|---|
| CN201810939024.1A Pending CN109711969A (en) | 2018-08-17 | 2018-08-17 | Campus credit methods, device, equipment and storage medium based on data analysis |
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| CN110348989A (en) * | 2019-06-19 | 2019-10-18 | 北京淇瑀信息科技有限公司 | Line of credit method of adjustment, device and electronic equipment based on APP |
| CN110517133A (en) * | 2019-07-17 | 2019-11-29 | 招联消费金融有限公司 | Interlock account lookup method, device, computer equipment and storage medium |
| CN110516942A (en) * | 2019-08-15 | 2019-11-29 | 平安普惠企业管理有限公司 | Resource application method, device, equipment and computer readable storage medium |
| CN110728568A (en) * | 2019-09-03 | 2020-01-24 | 福建省农村信用社联合社 | Credit credit line method and system for credit investigation blank client |
| CN111125753A (en) * | 2019-12-09 | 2020-05-08 | 支付宝(杭州)信息技术有限公司 | Credit data determination method and device |
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| CN112348517A (en) * | 2020-09-25 | 2021-02-09 | 北京淇瑀信息科技有限公司 | Financial account association method and device and electronic equipment |
| CN114331336A (en) * | 2021-12-21 | 2022-04-12 | 二十六度数字科技(广州)有限公司 | System design method for improving approval efficiency and automation degree |
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| CN113723522B (en) * | 2021-08-31 | 2023-06-16 | 平安科技（深圳）有限公司 | Abnormal user identification method and device, electronic equipment and storage medium |
| CN114331336A (en) * | 2021-12-21 | 2022-04-12 | 二十六度数字科技(广州)有限公司 | System design method for improving approval efficiency and automation degree |
| CN114331336B (en) * | 2021-12-21 | 2022-10-21 | 二十六度数字科技(广州)有限公司 | System design method for improving approval efficiency and automation degree |
| CN117541318A (en) * | 2024-01-09 | 2024-02-09 | 前海超级前台(深圳)信息技术有限公司 | Offline consumption intelligent evaluation and supervision method, system and medium |
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