CN110111194A - Number appraisal procedure and device - Google Patents
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- CN110111194A CN110111194A CN201910258653.2A CN201910258653A CN110111194A CN 110111194 A CN110111194 A CN 110111194A CN 201910258653 A CN201910258653 A CN 201910258653A CN 110111194 A CN110111194 A CN 110111194A
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Abstract
The present invention relates to number appraisal procedure and devices.This method comprises: obtaining current number to be assessed；Current number to be assessed is matched with collection number library, determines the collection information of current number to be assessed；According to the collection information of current number to be assessed, current number to be assessed is assessed.According to the technical solution of the present invention, it can be according to the collection information of current number to be assessed, it carries out automatic to current number to be assessed and accurately assesses, to improve the discrimination of high risk borrower, this is also convenient for better discriminating between fine or not borrower, so that related personnel is understood whether borrower has loan repayment capacity, refund wish and whether be related to cheating, and then is also beneficial to improve Financial Risk Control.
Description
Technical field
The present invention relates to communicating tech field more particularly to number appraisal procedure and devices.
Background technique
Currently, the communication behavior data of the communication user of operator's record is comparatively excessively wide in range, it can not be to " good "
" bad " borrower carries out directly effective differentiation, i.e., can not be according to the coarse communication behavior data that operator records to borrower
It is assessed.
Summary of the invention
The embodiment of the invention provides number appraisal procedure and devices.The technical solution is as follows:
According to a first aspect of the embodiments of the present invention, a kind of number appraisal procedure is provided, comprising:
Obtain current number to be assessed；
The current number to be assessed is matched with collection number library, determines the collection of the current number to be assessed
Information；
According to the collection information of the current number to be assessed, the current number to be assessed is assessed.
In one embodiment, collection number library is pre-stored with each collection number and respectively by going through between collection number
History collection record；
It is described to match the current number to be assessed with collection number library, determine the current number to be assessed
Collection information, comprising:
The current number to be assessed and history collection record are matched, determine the current number to be assessed
Corresponding collection record；Or
Collection number library is pre-stored with each collection number；
It is described to match the current number to be assessed with collection number library, determine the current number to be assessed
Collection information, comprising:
The call detailed list of the current number to be assessed is matched with collection number library, determine it is described currently to
Assess the corresponding collection record of number；
Wherein, the corresponding collection record of the number currently to be assessed includes at least one of the following:
The type of number of the corresponding collection number of the current number to be assessed；
The number of the corresponding collection number of the current number to be assessed；
The duration of call between the corresponding collection number of the current number to be assessed；
Talk times between the corresponding collection number of the current number to be assessed；
The corresponding collection frequency of the current number to be assessed；
Call number of days interval between the corresponding collection number of the current number to be assessed；
Calling relationship between the corresponding collection number of the current number to be assessed.
In one embodiment, the collection information according to the current number to be assessed, to described current to be assessed
Number is assessed, comprising:
According to the collection information of the current number to be assessed, the credit rating of the current number to be assessed is commented
Estimate；
Export the credit rating of the current number to be assessed.
In one embodiment, described to match the current number to be assessed with collection number library, described in determination
The collection information of current number to be assessed, comprising:
The validity of the current number to be assessed is verified；
When being verified, the current number to be assessed is matched with collection number library, it is described current with determination
The collection information of number to be assessed.
In one embodiment, the method also includes:
When the validity of the current number to be assessed is not verified, the feedback of the current number to be assessed is exported
Status code.
According to a second aspect of the embodiments of the present invention, a kind of number assessment device is provided, comprising:
Module is obtained, for obtaining current number to be assessed；
Processing module, for the current number to be assessed to be matched with collection number library, determine it is described currently to
Assess the collection information of number；
Evaluation module, for the collection information according to the current number to be assessed, to the current number to be assessed into
Row assessment.
In one embodiment, collection number library is pre-stored with each collection number and respectively by going through between collection number
History collection record；
The processing module includes:
First processing submodule, for matching the current number to be assessed and history collection record, really
Determine the corresponding collection record of the number currently to be assessed；Or
Collection number library is pre-stored with each collection number；
The processing module includes:
Second processing submodule, for carrying out the call detailed list of the current number to be assessed and collection number library
Matching determines the corresponding collection record of the number currently to be assessed；
Wherein, the corresponding collection record of the number currently to be assessed includes at least one of the following:
The type of number of the corresponding collection number of the current number to be assessed；
The number of the corresponding collection number of the current number to be assessed；
The duration of call between the corresponding collection number of the current number to be assessed；
Talk times between the corresponding collection number of the current number to be assessed；
The corresponding collection frequency of the current number to be assessed；
Call number of days interval between the corresponding collection number of the current number to be assessed；
Calling relationship between the corresponding collection number of the current number to be assessed.
In one embodiment, the evaluation module includes:
Submodule is assessed, for the collection information according to the current number to be assessed, to the current number to be assessed
Credit rating assessed；
Output sub-module, for exporting the credit rating of the current number to be assessed.
In one embodiment, the processing module includes:
Submodule is verified, is verified for the validity to the current number to be assessed；
Third handles submodule, for when being verified, the current number to be assessed and collection number library to be carried out
Matching, with the collection information of the determination current number to be assessed.
In one embodiment, described device further include:
Output module, for when the validity of the current number to be assessed is not verified, export it is described currently to
Assess the feedback states code of number.
The technical solution that the embodiment of the present invention provides can include the following benefits:
When getting current number to be assessed, the current number to be assessed and collection number library can be carried out automatic
Match, to extract the collection information of current number to be assessed from collection number library, in this way, can be according to current number to be assessed
Collection information is carried out automatic and is accurately assessed to current number to be assessed, to improve the discrimination of high risk borrower, this
Convenient for better discriminating between fine or not borrower, make related personnel understand borrower whether have loan repayment capacity, refund wish and whether
It is related to cheating, and then is also beneficial to improve Financial Risk Control.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
It can the limitation present invention.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows and meets implementation of the invention
Example, and be used to explain the principle of the present invention together with specification.
Fig. 1 is a kind of flow chart of number appraisal procedure shown according to an exemplary embodiment.
Fig. 2 is the flow chart of another number appraisal procedure shown according to an exemplary embodiment.
Fig. 3 is the flow chart of another number appraisal procedure shown according to an exemplary embodiment.
Fig. 4 is a kind of block diagram of number assessment device shown according to an exemplary embodiment.
Fig. 5 is the block diagram of another number assessment device shown according to an exemplary embodiment.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistented with the present invention.On the contrary, they be only with it is such as appended
The example of device and method being described in detail in claims, some aspects of the invention are consistent.
In order to solve the above-mentioned technical problem, the embodiment of the invention provides a kind of number appraisal procedure, this method can be used for
In number appraisal procedure, system or device, and the corresponding executing subject of this method can be the clothes for being pre-stored with collection number library
Business device, and the server can be the third-party server for being able to carry out credit evaluation or carrier server etc., such as Fig. 1
It is shown, the method comprising the steps of S101 to step S103:
In step s101, current number to be assessed is obtained；
Current number to be assessed can be one or more numbers to be assessed, these current numbers to be assessed can be finance
The number that the mechanisms such as mechanism provide.
In step s 102, current number to be assessed is matched with collection number library, determines current number to be assessed
Collection information；
Record has a large amount of collection number and respectively by the message registration between collection number and in advance in collection number library
Each static fields or collection number library of definition, which only record, a large amount of collection number and each statistics word predetermined
Section.And collection Information Statistics efficiency can be improved in each static fields.
And above-mentioned collection number can be the number of major financial institution, or the personal number for urging money.
The number that collection number, that is, lender/creditor uses when urging account to borrower.
The number conversed with lender/creditor used by collection number, that is, borrower.
And current number to be assessed is also likely to be one or several by collection number.
In step s 103, according to the collection information of current number to be assessed, current number to be assessed is assessed.
When getting current number to be assessed, the current number to be assessed and collection number library can be carried out automatic
Match, to extract the collection information of current number to be assessed from collection number library, in this way, can be according to current number to be assessed
Collection information is carried out automatic and is accurately assessed to current number to be assessed, to improve the discrimination of high risk borrower, this
Convenient for better discriminating between fine or not borrower, make related personnel understand borrower whether have loan repayment capacity, refund wish and whether
It is related to cheating, and then is also beneficial to improve Financial Risk Control.
In one embodiment, collection number library is pre-stored with each collection number and is respectively urged by the history between collection number
Receive record；
Current number to be assessed is matched with collection number library, determines the collection information of current number to be assessed, packet
It includes:
Current number to be assessed and history collection record are matched, determine the corresponding collection note of current number to be assessed
Record；Or
Collection number library is pre-stored with each collection number；
The current number to be assessed is matched with collection number library, determines the collection of the current number to be assessed
Information, comprising:
The call detailed list of current number to be assessed is matched with collection number library, determines the current number to be assessed
Corresponding collection record；The call detailed list of current number to be assessed can be between the current number to be assessed and all numbers
The various records such as air time, talk times, call date, called record, caller record.
The acquisition modes of the call detailed list of current number to be assessed can be with:
Wish the call detailed list for obtaining a side oneself offer of collection information or third party through using number to be assessed
After user agrees to, the call detailed list of backup is obtained from websites such as communication operators using crawler technology.
Wherein, the corresponding collection record of current number to be assessed includes at least one of the following:
The currently type of number of the corresponding collection number of number to be assessed；
The type of number of collection number may include firmly believing that (i.e. 100% can be determined that number of collection number to collection number
Code) or doubtful collection number (having larger possibility is the number of collection number).
The currently number of the corresponding collection number of number to be assessed；
Currently the number of the corresponding collection number of number to be assessed refers to: with the collection number of borrower's call
Number.
The corresponding collection number of current number to be assessed is i.e.: the loan with the borrower's call for using the current number to be assessed
Used in money people (for urge borrower refund) number.
The duration of call between the corresponding collection number of current number to be assessed；
The duration of call can be the single duration of call, borrower and collection number between borrower and collection number it
Between average often lead to the duration of call.
Talk times between the corresponding collection number of current number to be assessed；
Talk times between the corresponding collection number of current number to be assessed can be works as in a time window
Total talk times between the corresponding collection number of preceding number to be assessed, the time window can be (D7), nearly 30 in the past 7 days
Day (D30), nearly 90 days (D90), entire period all the time.
The currently corresponding collection frequency of number to be assessed；
The collection frequency can be nearly 7 days current numbers to be assessed and firmly believe collection number between collection number, work as within nearly 7 days
Collection number etc. between preceding number to be assessed and doubtful collection number.
Call number of days interval between the corresponding collection number of current number to be assessed；
The call number of days interval is the interval for having call behavior between the corresponding collection number of current number to be assessed
Number of days, such as: current number the last time to be assessed with firmly believe what the call of collection number or the call of doubtful collection number were spaced
Number of days, current number to be assessed are conversed be spaced number of days with the call of collection number or doubtful collection number is firmly believed for the first time.
Calling relationship between the corresponding collection number of current number to be assessed, the calling relationship can be to use and be somebody's turn to do
It is caller or called relationship between the corresponding collection number of the borrower of current number to be assessed.
As shown in Fig. 2, in one embodiment, above-mentioned step S103 shown in FIG. 1, i.e., according to current number to be assessed
Collection information assesses current number to be assessed, may include step S201 and step S202:
In step s 201, according to the collection information of current number to be assessed, to the credit rating of current number to be assessed into
Row assessment；
In step S202, the credit rating of current number to be assessed is exported.
By the collection information of the current number to be assessed, the credit rating of current number to be assessed can be assessed, and
The automatic credit rating for exporting current number to be assessed, so that related personnel can fully understand borrowing using the current number to be assessed
Whether whether money people is credible, risky, consequently facilitating carrying out other measures later.
Above-mentioned steps S103 can be also performed as: the collection information of the current number to be assessed of output to target terminal, so that
Target terminal assesses the credit rating of current number to be assessed, and makes the credit of the current number to be assessed of target terminal output
Degree.Target terminal can be to provide terminal used in the mechanism for deserving preceding number to be assessed.
In one embodiment, current number to be assessed is matched with collection number library, is determined to be assessed number current
The collection information of code, comprising:
The validity of current number to be assessed is verified；
When being verified, current number to be assessed is matched with collection number library, it is to be assessed number current to determine
The collection information of code.
Carrying out validation verification to the current number to be assessed is exactly the length for verifying the current number to be assessed, place
Number section etc. can assess object to determine if to belong to；And when being verified, illustrate that the current number to be assessed belongs to
Object can be assessed, thus, it can be matched, to search out the collection information of current number to be assessed in collection number library.
In one embodiment, method further include:
When the validity of current number to be assessed is not verified, the feedback states code of current number to be assessed is exported.
When the validity of current number to be assessed is not verified, illustrate that the current number to be assessed is not belonging to assess
Object, thus, the feedback states code of current number to be assessed can be exported automatically, so that user can be appreciated that current number category to be assessed
In the number which kind of can not be evaluated.
Feedback states code may be used to indicate the current number to be assessed because why can not be verified, specifically: effectively
When the reason of property can not be verified difference, feedback states code is also different.
Wherein, the dimension classification recorded in collection number library can be as shown in table 1 below:
Table 1
It finally returns that name variable is composed of each dimension enumerated value, uses " _ " connection, example: firmly believe that collection is exhaled within nearly 7 days
Enter the talk times of 60s or more: D7_Sure_In_Over60_Calls
In addition to universal data, the application can also be according to the property pair for the mechanism and financial products that collection number is serviced
Collection number divided, such as bank's collection, consumption collection by stages.Specific classification and return value design see the table below 2 institutes
Show.
Table 2
Further, the following table 3 is to return the result list of fields:
Table 3
Technical solution of the present invention is further described below in conjunction with Fig. 3:
In step S301, it is passed to the call detailed list comprising the current number to be assessed, which works as in addition to record
Preceding number to be assessed also can recorde some communication informations of the current number to be assessed, such as: the current number to be assessed with
Which number has carried out communication, communication date, duration etc..
In step s 302, the detailed single validity of verifying.
In step S303, if being verified, current numbers match collection number library to be assessed is used.
In step s 304, if verifying does not pass through, feedback states code, wherein status code may be used to indicate verifying and not lead to
The reason of crossing.
In step S305, matching result is exported, that is, exports the current number to be assessed searched out from collection number library
Collection information.
In step S306, obtain matching result, the matching result can be according to collection information determine this currently to
The credit rating for assessing number, is also possible to above-mentioned status code.
The executing subject of step S306 and the executing subject of step S302 to step S305 can be the same main body or
Different subjects.
Finally, it should be clear that: those skilled in the art can according to actual needs carry out above-mentioned multiple embodiments certainly
By combining.
Corresponding above-mentioned number appraisal procedure provided in an embodiment of the present invention, the embodiment of the present invention also provide a kind of number assessment
Device, as shown in figure 4, the device includes:
Module 401 is obtained, for obtaining current number to be assessed；
Processing module 402 determines to be assessed number current for matching current number to be assessed with collection number library
The collection information of code；
Evaluation module 403 comments current number to be assessed for the collection information according to current number to be assessed
Estimate.
In one embodiment, collection number library is pre-stored with each collection number and is respectively urged by the history between collection number
Receive record；
Processing module includes:
First processing submodule, for current number to be assessed and history collection record to be matched, determine currently to
Assess the corresponding collection record of number；Or
Collection number library is pre-stored with each collection number；
Processing module includes:
Second processing submodule, for matching the call detailed list of current number to be assessed with collection number library, really
The corresponding collection record of settled preceding number to be assessed；
Wherein, the corresponding collection record of current number to be assessed includes at least one of the following:
The currently type of number of the corresponding collection number of number to be assessed；
The currently number of the corresponding collection number of number to be assessed；
The duration of call between the corresponding collection number of current number to be assessed；
Talk times between the corresponding collection number of current number to be assessed；
The currently corresponding collection frequency of number to be assessed；
Call number of days interval between the corresponding collection number of current number to be assessed；
Calling relationship between the corresponding collection number of current number to be assessed.
As shown in figure 5, in one embodiment, evaluation module 403 includes:
Submodule 4031 is assessed, for the collection information according to current number to be assessed, to the letter of current number to be assessed
Expenditure is assessed；
Output sub-module 4032, for exporting the credit rating of current number to be assessed.
In one embodiment, processing module includes:
Submodule is verified, is verified for the validity to current number to be assessed；
Second processing submodule, for when being verified, current number to be assessed to be matched with collection number library,
To determine the collection information of current number to be assessed.
In one embodiment, device further include:
Output module, for exporting current number to be assessed when the validity of current number to be assessed is not verified
Feedback states code.
Those skilled in the art will readily occur to of the invention its after considering specification and the invention invented here of practice
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the invention, these modifications, purposes or
The common knowledge in the art that person's adaptive change follows general principle of the invention and do not invent including the present invention
Or conventional techniques.The description and examples are only to be considered as illustrative, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be understood that the present invention is not limited to the precise structure already described above and shown in the accompanying drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present invention is limited only by the attached claims.
Claims (10)
1. a kind of number appraisal procedure characterized by comprising
Obtain current number to be assessed；
The current number to be assessed is matched with collection number library, determines the collection letter of the current number to be assessed
Breath；
According to the collection information of the current number to be assessed, the current number to be assessed is assessed.
2. the method according to claim 1, wherein
Collection number library is pre-stored with each collection number and is respectively recorded by the history collection between collection number；It is described by institute
It states current number to be assessed to be matched with collection number library, determines the collection information of the current number to be assessed, comprising:
The current number to be assessed and history collection record are matched, determine that the current number to be assessed is corresponding
Collection record；Or
Collection number library is pre-stored with each collection number；
It is described to match the current number to be assessed with collection number library, determine the collection of the current number to be assessed
Information, comprising:
The call detailed list of the current number to be assessed is matched with collection number library, is determined described current to be assessed
The corresponding collection record of number；
Wherein, the corresponding collection record of the number currently to be assessed includes at least one of the following:
The type of number of the corresponding collection number of the current number to be assessed；
The number of the corresponding collection number of the current number to be assessed；
The duration of call between the corresponding collection number of the current number to be assessed；
Talk times between the corresponding collection number of the current number to be assessed；
The corresponding collection frequency of the current number to be assessed；
Call number of days interval between the corresponding collection number of the current number to be assessed；
Calling relationship between the corresponding collection number of the current number to be assessed.
3. the method according to claim 1, wherein
The collection information according to the current number to be assessed, assesses the current number to be assessed, comprising:
According to the collection information of the current number to be assessed, the credit rating of the current number to be assessed is assessed；
Export the credit rating of the current number to be assessed.
4. according to the method in any one of claims 1 to 3, which is characterized in that described by the current number to be assessed
It is matched with collection number library, determines the collection information of the current number to be assessed, comprising:
The validity of the current number to be assessed is verified；
When being verified, the current number to be assessed is matched with collection number library, it is described current to be evaluated with determination
Estimate the collection information of number.
5. according to the method described in claim 4, it is characterized in that, the method also includes:
When the validity of the current number to be assessed is not verified, the feedback states of the current number to be assessed are exported
Code.
6. a kind of number assesses device characterized by comprising
Module is obtained, for obtaining current number to be assessed；
Processing module determines described current to be assessed for matching the current number to be assessed with collection number library
The collection information of number；
Evaluation module comments the current number to be assessed for the collection information according to the current number to be assessed
Estimate.
7. device according to claim 6, which is characterized in that
Collection number library is pre-stored with each collection number and is respectively recorded by the history collection between collection number；
The processing module includes:
First processing submodule determines institute for matching the current number to be assessed and history collection record
State the corresponding collection record of current number to be assessed；Or
Collection number library is pre-stored with each collection number；
The processing module includes:
A second processing submodule, for carrying out the call detailed list of the current number to be assessed and collection number library
Match, determines the corresponding collection record of the number currently to be assessed；
Wherein, the corresponding collection record of the number currently to be assessed includes at least one of the following:
The type of number of the corresponding collection number of the current number to be assessed；
The number of the corresponding collection number of the current number to be assessed；
The duration of call between the corresponding collection number of the current number to be assessed；
Talk times between the corresponding collection number of the current number to be assessed；
The corresponding collection frequency of the current number to be assessed；
Call number of days interval between the corresponding collection number of the current number to be assessed；
Calling relationship between the corresponding collection number of the current number to be assessed.
8. device according to claim 6, which is characterized in that
The evaluation module includes:
Submodule is assessed, for the collection information according to the current number to be assessed, to the letter of the current number to be assessed
Expenditure is assessed；
Output sub-module, for exporting the credit rating of the current number to be assessed.
9. the device according to any one of claim 6 to 8, which is characterized in that the processing module includes:
Submodule is verified, is verified for the validity to the current number to be assessed；
Third handles submodule, for when being verified, the current number to be assessed to be matched with collection number library,
With the collection information of the determination current number to be assessed.
10. device according to claim 9, which is characterized in that described device further include:
Output module, for exporting described current to be assessed when the validity of the current number to be assessed is not verified
The feedback states code of number.
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| CN201910258653.2A CN110111194A (en) | 2019-04-01 | 2019-04-01 | Number appraisal procedure and device |
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| CN201910258653.2A CN110111194A (en) | 2019-04-01 | 2019-04-01 | Number appraisal procedure and device |
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| KR20190002210A (en) * | 2017-06-29 | 2019-01-08 | 남영민 | The system which manages a loan product |
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| CN106384284A (en) * | 2016-09-07 | 2017-02-08 | 北京量科邦信息技术有限公司 | Method and system for improving credit checking efficiency through technology means |
| KR20190002210A (en) * | 2017-06-29 | 2019-01-08 | 남영민 | The system which manages a loan product |
| CN107688997A (en) * | 2017-08-23 | 2018-02-13 | 浙江天悦信息技术有限公司 | A kind of algorithm that micro- loan consumer's risk scoring is realized based on message registration |
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Application publication date: 20190809 |