CN109711975A - A kind of debt-credit Risk Identification Method and device - Google Patents
A kind of debt-credit Risk Identification Method and device Download PDFInfo
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- CN109711975A CN109711975A CN201811424883.3A CN201811424883A CN109711975A CN 109711975 A CN109711975 A CN 109711975A CN 201811424883 A CN201811424883 A CN 201811424883A CN 109711975 A CN109711975 A CN 109711975A
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Abstract
The embodiment of the present application discloses a kind of debt-credit Risk Identification Method and device.This method comprises: first place name of the equipment according to acquisition, the first history debt-credit data are screened from a plurality of history debt-credit data, after filtering out the first history debt-credit data, the geographical location information in data, which is borrowed or lent money, according to the first history determines the first reference point, through the current geographical location information of computing terminal at a distance from the first reference point, the risk situation for the debit request initiated by terminal is determined.Using the embodiment of the present application, the risk situation that the debit request initiated by terminal is determined according to the current geographical location information of terminal can be realized.
Description
Technical field
This application involves field of computer technology more particularly to a kind of debt-credit Risk Identification Methods and device.
Background technique
Based on the safe early warning of geographical location information in internet industry, financial industry, which suffers from, to be widely applied.Such as
QQ can trigger the authentication of secondary identifying code in the different-place login seldom logged in.Using Alipay, what is infrequently paid
Area, which carries out delivery operation, can trigger stringenter SMS verification.In consumer finance industry, illegal arbitrage is very serious,
Criminal once succeeds, and brings economic loss directly to enterprise.
And in debt-credit field, most of user is first application loan, or the number of application loan is no more than 3
Secondary, system is difficult to by judging whether user in different-place login or screen risk feelings in the area that often pays
How condition is determined arbitrage or debt-credit risk using the geographical location information of user, is that those skilled in the art is studying
The technical issues of.
Summary of the invention
The embodiment of the present application discloses a kind of debt-credit Risk Identification Method and device, can only be borrowed or lent money using user issuing
Geographical location information when application determines debt-credit risk situation.
In a first aspect, the embodiment of the present application provides a kind of debt-credit Risk Identification Method, this method comprises:
Equipment obtains the first place name of input, the place that the first place name label terminal is presently in；
The equipment screens the first history debt-credit number according to first place name from a plurality of history debt-credit data
According to, wherein every history debt-credit data include place name and geographical location information in a plurality of history debt-credit data, described
The place name that first history is borrowed or lent money in data is identical as first place name；
The equipment borrows or lends money the geographical location information in data according to first history and determines the first reference point；
The equipment according to the terminal at a distance from first reference point, asked by the debt-credit that the terminal is initiated by determination
The risk situation asked.
In the above-mentioned methods, equipment is according to the first place name of acquisition, filters out from a plurality of history debt-credit data
After the first history debt-credit data with first place name, it is true that the geographical location information in data is borrowed or lent money according to first history
Fixed first reference point, first reference point can be regarded as the geographical location in the specific place of first place name mark, then
According to the current geographical location information of terminal at a distance from the first reference point, the risk feelings for the debit request initiated by terminal are determined
Condition；In other words, by calculate the current position of user and this first with reference to the specific place of point identification position between away from
From, come judge user whether the place debt-credit mode, realize according to the current geographical location information of terminal judge by
The risk situation for the debit request that terminal is initiated.
Based in a first aspect, in a kind of wherein optional implementation, the equipment according to first place name,
The first history debt-credit data are screened from a plurality of history debt-credit data, comprising:
The equipment screens the second history debt-credit number according to first place name from a plurality of history debt-credit data
According to the place name in the second history debt-credit data is identical as first place name；
The equipment determines the second reference according to the geographical location information in second history debt-credit data filtered out
Point；
The equipment filters out the first history debt-credit data from second history debt-credit data, wherein any one
Geographic position data in the first history debt-credit data is at a distance from second reference point, less than the second of preset ratio
History borrows or lends money the geographic position data of data to the distance of second reference point.
In this implementation, the second history debt-credit data are first filtered out from a plurality of history debt-credit data, then from the
The first history debt-credit data are filtered out in two history debt-credit data, can be rejected invalid data, be guaranteed the entrance of valid data, make
The result of subsequent judgement is more accurate.
Based in a first aspect, first reference point is first history in a kind of wherein optional implementation
The central point of the geographical location information in data is borrowed or lent money, or in the geographical location information in first history debt-credit data
One of target geographic position；Second reference point is the geographical location information in second history debt-credit data
Central point, or be one of target geographic position in the geographical location information in second history debt-credit data.
In this implementation, the first reference point is selected as to the geographical location information in the first history debt-credit data
Central point, can be in the case where the geographical location information in the first history debt-credit data be more dispersed, the smallest expression of error
The geographical location in the specific place of the first place name mark out；First reference point is selected as in the first history debt-credit data
One of target geographic position in geographical location information can borrow or lend money in data in the first history, find one of them most
Maximum probability can represent the geographical location in the specific place of the first place name mark；Second reference point is similarly.
Based in a first aspect, in a kind of wherein optional implementation, the equipment is according to the terminal and described the
The distance of one reference point determines the risk for the debit request initiated by the terminal, comprising:
If the proof of identification information received is that the first default loan certificate information for proving and receiving is second pre-
If proving, and pre-determined distance threshold value is less than at a distance from first reference point according to the terminal, it is determined that by the terminal
Risk is not present in the debit request of initiation.
This implementation according to proof of identification information, loan certificate information and terminal at a distance from the first reference point this
Three factors determine the risk situation for the debit request initiated by terminal jointly, improve the accuracy of risk assessment.
Based on the debt-credit that in a first aspect, in a kind of wherein optional implementation, the determination is initiated by the terminal
There is no after risk for request, further includes:
The equipment generates and saves a debt-credit data, the debt-credit data include first place name and
The current geographic position data of the terminal.
Second aspect, the embodiment of the present application provide a kind of debt-credit risk assessment device, comprising:
Acquiring unit, for obtaining the first place name of input, the first place name label terminal is presently in
Place；
First screening unit, for according to first place name, screening first to be gone through from a plurality of history debt-credit data
History borrows or lends money data, wherein every history debt-credit data include place name and geographical location in a plurality of history debt-credit data
Information, the place name that first history is borrowed or lent money in data are identical as first place name；
First determination unit determines the first reference for borrowing or lending money the geographical location information in data according to first history
Point；
Second determination unit, at a distance from first reference point, determination to be sent out by the terminal according to the terminal
The risk situation of the debit request risen.
Based on second aspect, in a kind of wherein optional implementation, first screening unit is specifically included:
Second screening subelement, for screening second from a plurality of history debt-credit data according to first place name
History borrows or lends money data, and the place name in the second history debt-credit data is identical as first place name；
Third determines subelement, for true according to the geographical location information in second history debt-credit data filtered out
Fixed second reference point；
Third screens subelement, for filtering out the first history debt-credit data from second history debt-credit data,
In, the geographic position data in any one of first history debt-credit data is less than pre- at a distance from second reference point
If the second history of ratio borrows or lends money the geographic position data of data to the distance of second reference point.
Based on second aspect, in a kind of wherein optional implementation, first reference point is first history
The central point of the geographical location information in data is borrowed or lent money, or in the geographical location information in first history debt-credit data
One of target geographic position；Second reference point is the geographical location information in second history debt-credit data
Central point, or be one of target geographic position in the geographical location information in second history debt-credit data.
Based on second aspect, in a kind of wherein optional implementation, if second determination unit is also used to receive
To proof of identification information be the first default loan certificate information for proving and receiving be second it is default prove, and according to institute
It states terminal and is less than pre-determined distance threshold value at a distance from first reference point, it is determined that the debit request initiated by the terminal is not
There are risks.
Based on second aspect, in a kind of wherein optional implementation, described device further include:
Storage unit is generated, for generating and saving a debt-credit data, the debt-credit data include described first
The current geographic position data of place name and the terminal.
It should be noted that the implementation of second aspect and corresponding beneficial effect are referred to first aspect and phase
The description in implementation is answered, details are not described herein again.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, will implement below to the application
Attached drawing needed in example or background technique is briefly described.
Fig. 1 is a kind of system architecture schematic diagram for borrowing or lending money methods of risk assessment provided by the embodiments of the present application；
Fig. 2 is a kind of flow diagram for borrowing or lending money methods of risk assessment provided by the embodiments of the present application；
Fig. 3 is a kind of schematic diagram of a scenario for borrowing or lending money methods of risk assessment provided by the embodiments of the present application；
Fig. 4 is the schematic diagram of a scenario of another debt-credit methods of risk assessment provided by the embodiments of the present application；
Fig. 5 is the schematic diagram of a scenario of another debt-credit methods of risk assessment provided by the embodiments of the present application；
Fig. 6 is a kind of structural schematic diagram for borrowing or lending money risk assessment device provided by the embodiments of the present application；
Fig. 7 is a kind of structural schematic diagram for borrowing or lending money risk assessment equipment provided by the embodiments of the present application.
Specific embodiment
It is described below in conjunction with attached drawing technical solutions in the embodiments of the present application.
Term " first ", " second ", " third " and " the 4th " in the description and claims of this application and attached drawing
Etc. being not use to describe a particular order for distinguishing different objects.In addition, term " includes " and " having " and they appoint
What is deformed, it is intended that is covered and non-exclusive is included.Such as contain the process, method, system, production of a series of steps or units
Product or equipment are not limited to listed step or unit, but optionally further comprising the step of not listing or unit, or
Optionally further comprising the other step or units intrinsic for these process, methods, product or equipment.
It should be appreciated that the term "and/or" used in present specification and the appended claims refer to it is associated
Any combination and all possible combinations of one or more of the item listed, and including these combinations.
In order to better understand a kind of debt-credit methods of risk assessment provided by the embodiments of the present application and debt-credit risk assessment dress
It sets, first the system architecture of the debt-credit methods of risk assessment of the embodiment of the present application is described below, this system architecture is at least
There are the following two kinds situations:
Situation one, this equipment can be a server in cloud, this server constitutes one with local terminal and is
System, refering to fig. 1, Fig. 1 are the system architecture schematic diagrams for the operation indicating method that this programme embodiment provides.As shown in Figure 1, system
Framework may include one or more servers (multiple servers may be constructed a server cluster), and one or more
Terminal (or equipment), in which:
Server can include but is not limited to background server, component server, data processing server etc., and server can
To be communicated by internet with multiple terminals.Server provides operation indicating service for terminal.It needs to run on server
There is corresponding server to provide corresponding operation prompt service, such as database service, data calculate, decision executes
Deng.
Terminal can be installed and run relevant application.It is corresponding with server using referring to, local clothes are provided for client
The program of business.Here, which may include but be not limited to: sending information (such as place name information) to server and connects
Receive information (such as risk evaluation result information) and the shared information etc. that server is sent.Terminal in this programme embodiment
It can include but is not limited to any electronic product based on intelligent operating system, keyboard, virtual key can be passed through with user
The input equipments such as disk, touch tablet, touch screen and voice-operated device carry out human-computer interaction, such as smart phone, tablet computer, a
People's computer etc..Wherein, intelligent operating system includes but is not limited to any by providing various mobile applications to mobile device come rich
The operating system of rich functions of the equipments, such as Android (AndroidTM)、iOSTM、Windows PhoneTMDeng.
Situation two, this equipment can be installed for a local terminal, terminal and run relevant application.We
Terminal in case embodiment can include but is not limited to any electronic product based on intelligent operating system, can be with user
Human-computer interaction is carried out by input equipments such as keyboard, dummy keyboard, touch tablet, touch screen and voice-operated devices, such as intelligently
Mobile phone, tablet computer, PC etc..Wherein, intelligent operating system includes but is not limited to any by providing to mobile device
Various mobile applications enrich the operating system of functions of the equipments, such as Android (AndroidTM)、iOSTM、Windows PhoneTM
Deng.
The debt-credit methods of risk assessment of the application is illustrated below with reference to Fig. 2, as shown in Fig. 2, it is real for the application
A kind of flow diagram of debt-credit methods of risk assessment of example offer is applied, this method can be realized based on above-mentioned framework, the party
Method can include but is not limited to following steps:
Step S201: equipment obtains the first place name of input.
Specifically, equipment obtains the first place name that user inputs at the terminal, which marks terminal
The place being presently in.Wherein, the embodiment of the present application provides two kinds of modes for obtaining the first place name of input: being directed to situation
One, after user inputs the first place name by keyboard, mouse, touch screen etc. on local terminal, by wired or wireless
Mode is sent on equipment (i.e. server)；For situation two, equipment (i.e. local terminal) directly acquires user and passes through keyboard, mouse
First place name of the inputs such as mark, touch screen.For example, when user is in a consumption place, and want application about
When the loan in this consumption place, user needs to input the title in this consumption place at the terminal, by way of situation one
The title in the consumption place is sent to server by the terminal, or the terminal directly acquires the consumption by way of situation two
The title in place.
Step S202: equipment is screened the first history from a plurality of history debt-credit data and is borrowed according to first place name
Borrow data.
Specifically, after equipment gets the first place name, according to first place name, data are borrowed or lent money from a plurality of history
The first history of middle screening borrows or lends money data, wherein a plurality of history debt-credit data are successfully applied in the database that equipment stores
The creditor-debtor entry of the user of loan is crossed, in other words, whenever there is user successfully to apply for loan, equipment will borrow or lend money the user
Related data in the process is saved in database, this has reference value for new lend-borrow action, wherein every is gone through
History borrows or lends money the personal information data of each user for successfully applying for loan of data record, geographical location letter locating at that time
The place name etc. inputted when breath, user's loan；In the embodiment of the present application, the first place name got according to equipment,
History debt-credit data of the screening with place name identical with first place name from a plurality of history debt-credit data, first
History debt-credit data include history debt-credit data, and in other words, it is that a plurality of history is borrowed or lent money in data that the first history, which borrows or lends money data,
Successfully applied for that the user of loan had input the creditor-debtor entry of first place name, it is possible to understand that the first history is borrowed or lent money in data
History debt-credit data item number can with more than one, be set forth below three kinds from a plurality of history debt-credit data in screen the first history
Borrow or lend money the mode of data:
Mode one, the first history borrows or lends money the item numbers of the history debt-credit data in data, and there is no limit if the debt-credit of certain history
Place name in data is identical as the first place name, then the first history debt-credit data include this history debt-credit data；Side
Formula two, the item number that the first history borrows or lends money the history debt-credit data in data is the numerical value limited, for example, if a plurality of go through
The place name that history is borrowed or lent money in data is identical as the first place name, can be according to the record time of a plurality of history debt-credit data
10 history debt-credit data therein are selected from the near to the distant as the first history borrows or lends money data；Mode three, the first history borrow or lend money number
The record time of history debt-credit data in is the time range of a restriction, for example, if a plurality of history borrows or lends money data
In place name it is identical as the first place name, when can choose that record time gap is current in a plurality of history debt-credit data
Between in two months history debt-credit data as the first history borrow or lend money data.
In a kind of wherein embodiment, after equipment gets the first place name, according to first place name, from more
The second history debt-credit data are screened in history debt-credit data, wherein the number that a plurality of history debt-credit data are stored from equipment
According to the creditor-debtor entry of other users in library, every history debt-credit data include place name, geography in a plurality of history debt-credit data
Location information and related data, the place name that the second history is borrowed or lent money in data is identical as the first place name, the second history
Debt-credit data may include more than one history debt-credit data, is described below three kinds and screens second from a plurality of history debt-credit data
The mode of history debt-credit data:
Mode one, the second history borrows or lends money the item numbers of the history debt-credit data in data, and there is no limit if the debt-credit of certain history
Place name in data is identical as the first place name, then the second history debt-credit data include this history debt-credit data；Side
Formula two, the item number that the second history borrows or lends money the history debt-credit data in data is the numerical value limited, for example, if a plurality of go through
The place name that history is borrowed or lent money in data is identical as the first place name, can be according to the record time of a plurality of history debt-credit data
10 history debt-credit data therein are selected from the near to the distant as the second history borrows or lends money data；Mode three, the second history borrow or lend money number
The record time of history debt-credit data in is the time range of a restriction, for example, if a plurality of history borrows or lends money data
In place name it is identical as the first place name, when can choose that record time gap is current in a plurality of history debt-credit data
Between in two months history debt-credit data as the second history borrow or lend money data.
After filtering out the second history debt-credit data, equipment is borrowed or lent money the geographical location information in data according to the second history and is determined
The mode of two kinds of second reference points of determination is described below in second reference point:
Mode one, the second reference point are the central point for the geographical location information that the second history is borrowed or lent money in data, for example,
The geographical location information that second history borrows or lends money each history debt-credit data in data may include longitude and latitude, if the second history
There are 10 history debt-credit data in debt-credit data, then the longitude of the second reference point is the geographical position that 10 history borrow or lend money data
The average value of the longitude of confidence breath, the latitude value of the second reference point are the latitude for the geographical location information that 10 history borrow or lend money data
The second reference point is determined by calculation out in the average value of degree；
Mode two, the second reference point is with borrowing or lending money one of target in the geographical location information in data for the second history
Manage position, for example, the geographical location information that the second history borrows or lends money each history debt-credit data in data may include longitude
And latitude, if there is 10 history debt-credit data in the second history debt-credit data, 10 history are determined in the calculating of pass-through mode one
The central point for borrowing or lending money the geographical location information in data, further according to each geographical location information in this 10 history debt-credit data
To the distance of the central point, determine that the nearest geographical location information of a distance to the central point is the second reference point, i.e., the
Two reference points are one in the geographical location information of this 10 history debt-credit data.
After equipment has determined the second reference point, the first history debt-credit data are filtered out from the second history debt-credit data,
In, any one first history borrows or lends money the geographic position data in data at a distance from the second reference point, less than preset ratio
Second history borrows or lends money the geographic position data of data to the distance of the second reference point.That is, equipment has determined the second reference
After point, the geographic position data of each history debt-credit data in the second history debt-credit data is calculated to the distance of the second reference point,
If some history borrows or lends money the geographical location information of data to the distance of the second reference point, the history than preset ratio borrows or lends money data
The distance of geographical location information to the second reference point is small, then the first history debt-credit data include this history debt-credit data.
For example, after equipment gets the first place name of user's input, according to first place name, from data
The second history debt-credit data are screened in a plurality of history debt-credit data in library, the second history borrows or lends money the place name and first in data
Place name is identical, as shown in figure 3, the second history debt-credit data filtered out include that 10 history borrow or lend money data, the second history
The geographical location information for borrowing or lending money data includes longitude and latitude, coordinate X-axis and Y-axis data is shown as in Fig. 3,10 geography
Point of the location information in reference axis is respectively (48,58) (47,52) (52,57) (39,60) (53,53) (54,55) (49,59)
(50,43) (43,56) (78,8), be calculated this 10 point the second reference point and each o'clock to the second reference point away from
The first history debt-credit data are obtained from, screening, preset ratio 10%, due to farthest one of the distance of the second reference point of distance
Point is (78,8), then the first history debt-credit data do not include point (78,8), and it includes other 9 history in data that the first history, which is borrowed or lent money,
Borrow or lend money data.
As can be seen that it is above-mentioned from a plurality of history debt-credit data in screen the first history debt-credit data during, can be
Primary screening directly filters out the first history debt-credit data from a plurality of history debt-credit data；It is also possible to postsearch screening, i.e.,
The second history debt-credit data are filtered out from a plurality of history debt-credit data, then are filtered out first from the second history debt-credit data and gone through
History borrows or lends money data；It should be understood that during screening the first history debt-credit data from a plurality of history debt-credit data, it can be with
Including screening process three times or more than three times.
Step S203: equipment borrows or lends money the geographical location information in data according to first history and determines the first reference point.
Specifically, after filtering out the first history debt-credit data, equipment borrows or lends money the geographical location in data according to the first history
Information determines the first reference point, and the mode of two kinds of first reference points of determination is described below:
Mode one, the first reference point are the central point for the geographical location information that the first history is borrowed or lent money in data, for example,
The geographical location information that first history borrows or lends money each history debt-credit data in data may include longitude and latitude, if the first history
There are 10 history debt-credit data in debt-credit data, then the longitude of the first reference point is the longitude that 10 history borrow or lend money data
Average value, the latitude value of the first reference point are the average value for the latitude that 10 history borrow or lend money data, are determined by calculation out the
One reference point；
Mode two, the first reference point is with borrowing or lending money one of target in the geographical location information in data for the first history
Manage position, for example, the geographical location information that the first history borrows or lends money each history debt-credit data in data may include longitude
And latitude, if there is 10 history debt-credit data in the first history debt-credit data, 10 history are determined in the calculating of pass-through mode one
The central point for borrowing or lending money the geographical location information in data, further according to each geographical location information in this 10 history debt-credit data
To the distance of the central point, determine that the nearest geographical location information of a distance to the central point is the first reference point, i.e., the
One reference point is one in the geographical location information of this 10 history debt-credit data.
Step S204: equipment at a distance from first reference point, is determined and is initiated by the terminal according to the terminal
The risk situation of debit request.
Specifically, after equipment has determined the first reference point, the current geographical location information of computing terminal to first reference
The distance of point, if the current geographical location information of terminal to first reference point distance less than pre-determined distance threshold value, it is determined that
There is no risks for the debit request initiated by the terminal；For example, as shown in figure 4, the point that arrow is pointed out is the first reference
Point, equipment obtain the current geographical location information of terminal, as shown in figure 5, the point that arrow is pointed out is the current geographical location of terminal
Information (32,50), calculates the distance of the point and the first reference point, if being less than pre-determined distance threshold value, it is determined that sent out by the terminal
Risk is not present in the debit request risen.
In a kind of wherein embodiment, after equipment has determined the first reference point, the current geographical location letter of computing terminal
Cease the distance of first reference point, and user's input for receiving of detection device proof of identification information (such as: name, body
Part card number, tow sides photo of identity card etc.) and loan certificate information (such as: Operation Agreement Letters, hospital affix one's seal),
If equipment detects that proof of identification information is authentic and valid proof information and detects that loan certificate information is authentic and valid
Proof, and the current geographical location information of terminal is less than pre-determined distance threshold value at a distance from the first reference point, it is determined that by institute
Risk is not present in the debit request for stating terminal initiation.
In a kind of wherein embodiment, the debit request initiated by terminal is determined there is no after risk, equipment generates
And a debt-credit data are saved, this debt-credit data includes the current geographic position data of the first place name and terminal.
In the method depicted in fig. 2, equipment is sieved from a plurality of history debt-credit data according to the first place name of acquisition
After selecting the first history debt-credit data for matching first place name, the geographical location in data is borrowed or lent money according to first history
Information determines the first reference point, which can be regarded as the geographical position in the specific place of first place name mark
It sets, further according to the current geographical location information of terminal at a distance from the first reference point, determines the debit request initiated by terminal
Risk situation；In other words, by calculate the current position of user and this first with reference to the specific place of point identification position it
Between distance, come judge user whether the place debt-credit mode, realize according to the current geographical location information of terminal come
Judge the risk situation for the debit request initiated by terminal.
It is above-mentioned to illustrate the method for the embodiment of the present application, for the ease of better implementing the above-mentioned of the embodiment of the present application
Correspondingly the device of the embodiment of the present application is provided below in scheme.
Fig. 6 is referred to, Fig. 6 is the structural schematic diagram of debt-credit risk assessment device provided by the embodiments of the present application, the device
It can be one or more servers of the above system framework in situation one, or the local terminal in situation two,
It can be the device (such as chip) in the server or the local terminal, debt-credit risk assessment device 60 may include: to obtain list
First 601, first screening unit 602, the first determination unit 603, the second determination unit 604, wherein
Acquiring unit 601, for obtaining the first place name of input, first place name label terminal is presently in
Place；
First screening unit 602, for according to first place name, screening first to be gone through from a plurality of history debt-credit data
History borrows or lends money data, wherein and every history debt-credit data include place name and geographical location information in a plurality of history debt-credit data,
The place name that first history is borrowed or lent money in data is identical as the first place name；
First determination unit 603 determines the first reference for borrowing or lending money the geographical location information in data according to the first history
Point；
Second determination unit 604, at a distance from the first reference point, determination to be asked by the debt-credit that terminal is initiated according to terminal
The risk situation asked.
In a kind of wherein embodiment, the first screening unit determines subelement including the second screening subelement 605, third
606 and third filtering unit 607, in which:
Second screening subelement 605, for according to the first place name, screening second to be gone through from a plurality of history debt-credit data
History borrows or lends money data, and the place name that the second history is borrowed or lent money in data is identical as the first place name；
Third determines subelement 606, for true according to the geographical location information in the second history debt-credit data filtered out
Fixed second reference point；
Third screens subelement 607, for filtering out the first history debt-credit data from the second history debt-credit data,
In, any one first history borrows or lends money the geographic position data in data at a distance from the second reference point, less than preset ratio
Second history borrows or lends money the geographic position data of data to the distance of the second reference point.
Wherein, the first reference point is the central point for the geographical location information that the first history is borrowed or lent money in data, or is first
History borrows or lends money one of target geographic position in the geographical location information in data；Second reference point is the debt-credit of the second history
The central point of geographical location information in data, or borrow or lend money for the second history in the geographical location information in data wherein one
A target geographic position.
In a wherein embodiment, the second determination unit, if the proof of identification information for being also used to receive is first
The default loan certificate information for proving and receiving is the second default proof, and small at a distance from the first reference point according to terminal
In pre-determined distance threshold value, it is determined that risk is not present by the debit request that terminal is initiated.
In the embodiment of the present application, which can also include:
Storage unit 608 is generated, for generating and saving a debt-credit data, this debt-credit data include the first place
The current geographic position data of title and terminal.
It should be noted that in the embodiment of the present application in device described in Fig. 6 the function of each functional unit and beneficial to effect
Fruit can be found in the associated description of step S201- step S204 in embodiment of the method described in above-mentioned Fig. 2, and details are not described herein again.
According to apparatus above figure, referring to FIG. 7, Fig. 7 is a kind of entity device knot of simplification provided by the embodiments of the present application
Structure schematic diagram.It is convenient to be easy to understand and illustrate, and Fig. 7 is borrowed or lent money in risk assessment equipment 70, may include following one or more groups
Part: memory 701, processor 702, communication equipment 703 and input-output apparatus 704.
Memory 701 may include one or more storage units, and each unit may include one or more memories,
Memory can be used for storing program and various data, and can in debt-credit 70 operational process high speed of risk assessment equipment, automatically
Complete the access of program or data.Information can be stored using the physical device of stable state there are two types of tools, it is described two steady
Determine state and is expressed as " 0 " and " 1 ".When debt-credit risk assessment equipment 70 shown in Fig. 7, the step of executing Fig. 2 the method
When, memory can be used to store user data, creditor-debtor entry and other related datas etc..
Communication equipment 703 is referred to as transceiver or transceiver etc., wherein may include wireless, wired for carrying out
Or the unit of other communication modes.Optionally, it is single that the device in 703 parts for realizing receive capabilities can be considered as to reception
Member will be considered as transmission unit for realizing the device of sending function, i.e. 703 parts include receiving unit and transmission unit.
Input-output apparatus 704 can provide interface between debt-credit 70 Peripheral component interface of risk assessment equipment, on
Stating peripheral components can be keyboard, mouse, display, button, similar installation etc..These buttons may include, but are not limited to: starting/
Close button, locking press button and reset button etc..In the embodiment of the present application, user can be defeated by input-output apparatus 704
Enter the relevant informations such as the first place name, proof of identification information and loan certificate information.
Processor 702, processor are referred to as processing unit, handle veneer, processing module, processing unit etc..Processing
Device can be central processing unit (central processing unit, CPU), network processing unit (network processor,
) or the combination of CPU and NP NP.When debt-credit risk assessment equipment 70 shown in Fig. 7, when executing the step of Fig. 2 the method, institute
The data that processor 702 calls the memory 701 are stated, following steps are executed:
The first place name of input is obtained by input equipment 704；
According to the first place name, the first history debt-credit data are screened from a plurality of history debt-credit data；
The geographical location information in data, which is borrowed or lent money, according to the first history determines the first reference point；
According to terminal at a distance from the first reference point, the risk situation for the debit request initiated by terminal is determined.
It should be noted that the execution step for borrowing or lending money processor 702 in risk assessment equipment 70 in the embodiment of the present application
It can refer to the specific implementation in above-mentioned each method embodiment in Fig. 2 embodiment, which is not described herein again.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, Ke Yitong
Computer program is crossed to instruct relevant hardware and complete, the program can be stored in computer-readable storage medium,
The program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.And storage medium above-mentioned includes: magnetic disk, light
Disk, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access Memory,
RAM) etc..
In this application, the unit as illustrated by the separation member may or may not be physically separate
, component shown as a unit may or may not be physical unit, it can and it is in one place, or can also
To be distributed over a plurality of network elements.Some or all of unit therein can be selected to realize this Shen according to the actual needs
Please example scheme purpose.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, is also possible to two or more units and is integrated in one unit.It is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the application
Portion or part steps.
The above, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, it is any
Those familiar with the art within the technical scope of the present application, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should all cover within the scope of protection of this application.Therefore, the protection scope of the application should be with right
It is required that protection scope subject to.
It should be understood that magnitude of the sequence numbers of the above procedures are not meant to execute suitable in the various embodiments of the application
Sequence it is successive, the execution of each process sequence should be determined by its function and internal logic, the implementation without coping with the embodiment of the present application
Process constitutes any restriction.Although the application is described in conjunction with each embodiment herein, however, being protected required by embodiment
During the application of shield, those skilled in the art are appreciated that and realize other variations of open embodiment.
Claims (10)
1. a kind of debt-credit Risk Identification Method characterized by comprising
Equipment obtains the first place name of input, the place that the first place name label terminal is presently in；
The equipment screens the first history debt-credit data according to first place name from a plurality of history debt-credit data,
In, every history debt-credit data include place name and geographical location information in a plurality of history debt-credit data, and described first
The place name that history is borrowed or lent money in data is identical as first place name；
The equipment borrows or lends money the geographical location information in data according to first history and determines the first reference point；
The equipment at a distance from first reference point, determines the debit request initiated by the terminal according to the terminal
Risk situation.
2. the method according to claim 1, wherein the equipment is according to first place name, from a plurality of
The first history debt-credit data are screened in history debt-credit data, comprising:
The equipment screens the second history debt-credit data, institute according to first place name from a plurality of history debt-credit data
The place name stated in the second history debt-credit data is identical as first place name；
The equipment determines the second reference point according to the geographical location information in second history debt-credit data filtered out；
The equipment filters out the first history debt-credit data from second history debt-credit data, wherein any one of
First history borrows or lends money the geographic position data in data at a distance from second reference point, less than the second history of preset ratio
The geographic position data of data is borrowed or lent money to the distance of second reference point.
3. according to the method described in claim 2, it is characterized in that, first reference point is that first history borrows or lends money data
In geographical location information central point, or borrow or lend money for first history in the geographical location information in data wherein one
A target geographic position；
Second reference point is the central point for the geographical location information that second history is borrowed or lent money in data, or is described the
Two history borrow or lend money one of target geographic position in the geographical location information in data.
4. method according to claim 1-3, which is characterized in that the equipment is according to the terminal and described the
The distance of one reference point determines the risk for the debit request initiated by the terminal, comprising:
If the proof of identification information received is that the first default loan certificate information for proving and receiving is the second default card
It is bright, and pre-determined distance threshold value is less than at a distance from first reference point according to the terminal, it is determined that it is initiated by the terminal
Debit request be not present risk.
5. according to the method described in claim 4, it is characterized in that, the debit request that the determination is initiated by the terminal is not deposited
After risk, further includes:
The equipment generates and saves a debt-credit data, and the debt-credit data include first place name and described
The current geographic position data of terminal.
6. a kind of debt-credit risk identification device characterized by comprising
Acquiring unit, for obtaining the first place name of input, the field that the first place name label terminal is presently in
Institute；
First screening unit, for screening the first history from a plurality of history debt-credit data and borrowing according to first place name
Borrow data, wherein every history debt-credit data include place name and geographical location information in a plurality of history debt-credit data,
Place name in the first history debt-credit data is identical as first place name；
First determination unit determines the first reference point for borrowing or lending money the geographical location information in data according to first history；
Second determination unit, at a distance from first reference point, determining and being initiated by the terminal according to the terminal
The risk situation of debit request.
7. device according to claim 6, which is characterized in that first screening unit includes:
Second screening subelement, for screening the second history from a plurality of history debt-credit data according to first place name
Data are borrowed or lent money, the place name in the second history debt-credit data is identical as first place name；
Third determines subelement, for determining the according to the geographical location information in second history debt-credit data filtered out
Two reference points；
Third screens subelement, for filtering out the first history debt-credit data from second history debt-credit data, wherein appoint
Geographic position data in the first history debt-credit data of meaning one is less than preset ratio at a distance from second reference point
The second history debt-credit data geographic position data to second reference point distance.
8. device according to claim 7, which is characterized in that first reference point is that first history borrows or lends money data
In geographical location information central point, or borrow or lend money for first history in the geographical location information in data wherein one
A geographical location；Second reference point is the central point for the geographical location information that second history is borrowed or lent money in data, or
One of geographical location in the geographical location information in data is borrowed or lent money for second history.
9. according to the described in any item devices of claim 6-8, which is characterized in that if second determination unit is also used to receive
To proof of identification information be the first default loan certificate information for proving and receiving be second it is default prove, and according to institute
It states terminal and is less than pre-determined distance threshold value at a distance from first reference point, it is determined that the debit request initiated by the terminal is not
There are risks.
10. device according to claim 9, which is characterized in that described device further include:
Storage unit is generated, for generating and saving a debt-credit data, the debt-credit data include first place
The current geographic position data of title and the terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811424883.3A CN109711975A (en) | 2018-11-27 | 2018-11-27 | A kind of debt-credit Risk Identification Method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811424883.3A CN109711975A (en) | 2018-11-27 | 2018-11-27 | A kind of debt-credit Risk Identification Method and device |
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| CN109711975A true CN109711975A (en) | 2019-05-03 |
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| CN201811424883.3A Withdrawn CN109711975A (en) | 2018-11-27 | 2018-11-27 | A kind of debt-credit Risk Identification Method and device |
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Application publication date: 20190503 |