CN110738498A - Client risk identification method and device - Google Patents
Client risk identification method and device Download PDFInfo
- Publication number
- CN110738498A CN110738498A CN201810797215.9A CN201810797215A CN110738498A CN 110738498 A CN110738498 A CN 110738498A CN 201810797215 A CN201810797215 A CN 201810797215A CN 110738498 A CN110738498 A CN 110738498A
- Authority
- CN
- China
- Prior art keywords
- target
- client
- forbidden
- sanction
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 65
- 230000008569 process Effects 0.000 claims description 13
- 238000011156 evaluation Methods 0.000 claims description 4
- 238000007726 management method Methods 0.000 description 12
- 238000010586 diagram Methods 0.000 description 11
- 238000005516 engineering process Methods 0.000 description 8
- 238000004590 computer program Methods 0.000 description 6
- 230000000694 effects Effects 0.000 description 5
- 230000006870 function Effects 0.000 description 5
- 238000012545 processing Methods 0.000 description 5
- 230000008901 benefit Effects 0.000 description 3
- 238000011161 development Methods 0.000 description 3
- 230000003287 optical effect Effects 0.000 description 3
- 230000004048 modification Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000007306 turnover Effects 0.000 description 2
- 238000004458 analytical method Methods 0.000 description 1
- 238000013473 artificial intelligence Methods 0.000 description 1
- 230000006399 behavior Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 230000010365 information processing Effects 0.000 description 1
- 230000000977 initiatory effect Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000003058 natural language processing Methods 0.000 description 1
- 230000008520 organization Effects 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The client risk identification method and device provided by the invention are used for acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity; according to the pre-established sanction forbidden shipping list, whether the target customer is a high-risk transaction customer corresponding to the target commodity is determined, and the pre-established sanction forbidden shipping list provides more comprehensive sanction forbidden shipping information, so that a user can quickly identify whether the target customer is the high-risk transaction customer corresponding to the target commodity according to the sanction forbidden shipping list, and does not need to consume a large amount of labor cost and time cost to temporarily collect sanction forbidden shipping information related to the target commodity and the target customer, and therefore the efficiency and the comprehensiveness of customer risk identification are improved.
Description
Technical Field
The invention relates to the technical field of information processing, in particular to a client risk identification method and device.
Background
The internet era has accelerated global trade development, but due to political, economic, technical, and other differences and conflicts across countries, many national regions are beginning to implement sanctions and ban policies to prohibit the sale of specific goods to specific countries, businesses, or individuals. In order to circumvent legal sanctions and economic penalties, it becomes important how to quickly identify customer risks.
Conventional solutions typically include the enterprise's own legal and sales teams manually collecting sanctions, contraband merchandise information associated with a particular customer, or sanctions, contraband customer information associated with a particular merchandise from various sources and identifying customer risks therefrom. However, the conventional solution needs to consume a large amount of labor cost and time cost, and temporary manual collection is difficult to ensure the comprehensiveness of information, so that the risk identification of the client cannot be realized comprehensively and efficiently.
Therefore, there is an urgent need for effective customer risk identification schemes to achieve comprehensive and efficient customer risk identification.
Disclosure of Invention
In view of the above, the present invention has been developed to provide customer risk identification methods and apparatuses that overcome or at least partially address the above-mentioned problems.
In order to achieve the purpose, the invention provides the following technical scheme:
a method for identifying risk to a customer, the method comprising:
acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity;
determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list;
the sanction forbidden list is established according to sanction forbidden information on the global scale.
Preferably, the content of the sanctioned forbidden list comprises: sanction forbidden goods, sanction forbidden customers and sanction forbidden related customers; the sanctioned forbidden goods and the sanctioned forbidden customers have corresponding relations; the client related to sanction and forbidden is a client related to the sanction and forbidden client; wherein the determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list comprises:
when the information of the target commodity is matched with the target sanctioned forbidden commodity in the sanctioned forbidden commodity list and the information of the target customer is matched with a sanctioned forbidden customer corresponding to the target sanctioned forbidden commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
when the information of the target commodity is matched with the target sanctioned-prohibited commodity in the sanctioned-prohibited bill and the information of the target customer is matched with sanctioned-prohibited related customers associated with sanctioned-prohibited customers corresponding to the target sanctioned-prohibited commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
wherein the target sanctioned forbidden commodity is any sanctioned forbidden commodity in the sanctioned forbidden list.
Preferably, the process of establishing the sanction forbidden list comprises the following steps:
acquiring sanction forbidden information disclosed by the Internet; the sanction forbidden information comprises the sanction forbidden commodities and the sanction forbidden clients;
acquiring business information of the sanctioned client;
acquiring the sanction forbidden client related to the sanction forbidden client according to the business information of the sanction forbidden client;
and establishing the sanction prohibition list according to the sanction prohibition commodities, the sanction prohibition clients and the sanction prohibition related clients, the corresponding relation between the sanction prohibition commodities and the sanction prohibition clients and the incidence relation between the sanction prohibition clients and the sanction prohibition related clients.
Preferably, the acquiring the business information of the sanctioned client includes:
and acquiring the business information of the sanctioned forbidding client from a pre-established client information database.
Preferably, the method further comprises:
acquiring a client credit inquiry request; the client credit inquiry request comprises the information of the target client;
inquiring the operation state information of the target customer from a pre-established customer information database according to the information of the target customer;
determining the comprehensive credit score of the target client according to the operation state information of the target client;
and determining whether the target client is a high-risk transaction client or not according to the comprehensive credit score of the target client.
Preferably, after the obtaining the client credit inquiry request, the method further comprises:
acquiring information of a target related client according to the information of the target client; the target related client is a client associated with the target client;
inquiring the operation state information of the target related customer from a pre-established customer information database according to the information of the target related customer;
determining a comprehensive credit score of the target related customer according to the business state information of the target related customer;
and determining whether the target related customers are high-risk transaction customers or not according to the comprehensive credit scores of the target related customers.
a customer risk identification device, the device comprising:
the user request acquisition unit is used for acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity;
and the client risk identification unit is used for determining whether the target client is a high-risk transaction client corresponding to the target commodity according to a pre-established sanction forbidden list.
Preferably, the apparatus further comprises: a client credit evaluation unit;
the user request acquisition unit is also used for acquiring a client credit inquiry request; the client credit inquiry request comprises the information of the target client;
the client credit evaluation unit is used for inquiring the operation state information of the target client from a pre-established client information database according to the information of the target client; determining the comprehensive credit score of the target client according to the operation state information of the target client;
and the client risk identification unit is also used for determining whether the target client is a high-risk transaction client or not according to the comprehensive credit score of the target client.
storage medium comprising a stored program, wherein the program, when executed, controls a device on which the storage medium is located to perform the customer risk identification method as described above.
processor for running a program, wherein the program when running performs the customer risk identification method as described above.
By means of the technical scheme, the client risk identification method and the client risk identification device provided by the invention are used for acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity; according to the pre-established sanction forbidden shipping list, whether the target customer is a high-risk transaction customer corresponding to the target commodity is determined, and the pre-established sanction forbidden shipping list provides more comprehensive sanction forbidden shipping information, so that a user can quickly identify whether the target customer is the high-risk transaction customer corresponding to the target commodity according to the sanction forbidden shipping list, and does not need to consume a large amount of labor cost and time cost to temporarily collect sanction forbidden information related to the target commodity and the target customer, and the high efficiency and the comprehensiveness of customer risk identification are improved.
The above description is only an overview of the technical solutions of the present invention, and the present invention can be implemented in accordance with the content of the description in order to make the technical means of the present invention more clearly understood, and the detailed description of the present invention will be given below in order to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like parts are denoted by like reference numerals throughout the drawings. In the drawings:
fig. 1 is flowcharts of a customer risk identification method according to an embodiment of the present application;
fig. 2 is another flowcharts of the customer risk identification method according to the embodiment of the present application;
fig. 3 is a flowchart of a sanction forbidden list establishment process provided in the embodiment of the present application;
fig. 4 is another flowcharts of the customer risk identification method according to the embodiment of the present application;
fig. 5 is another flowcharts of the customer risk identification method according to the embodiment of the present application;
fig. 6 is a schematic view of kinds of structures of a client risk identification device provided in an embodiment of the present application;
fig. 7 is another kinds of schematic structural diagrams of the customer risk identification device according to the embodiment of the present application.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
With the development of information technology, by utilizing technologies such as cloud storage, big data, artificial intelligence and the like, sanction prohibition information and customer data can be collected and sorted from the global network range, and customer risk identification service is provided for global sales business. For example, a customer relationship management, CRM, system may be utilized to provide the customer risk identification service of the present invention to users.
Referring to fig. 1, fig. 1 is a flow chart of methods for identifying a risk of a customer according to an embodiment of the present disclosure.
As shown in fig. 1, the method includes:
s110: acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity.
Before selling a target commodity to a target customer, a user usually wants to know in advance whether the act of selling the target commodity to the target customer is illegal or not so as to avoid the risk of illegal transaction and avoid taking important legal responsibility and economic punishment.
According to the requirements of the user, a client risk identification request initiated by the user can be obtained, wherein the client risk identification request carries information of a target client and information of a target commodity, and then whether the target client is a high-risk transaction client corresponding to the target commodity is identified.
And selling the target commodity to a high-risk transaction client corresponding to the target commodity, and bearing the risk of illegal transaction.
Here, the commodity may be not only a physical commodity but also a service commodity.
S120: and determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list.
The sanction forbidden list is a list in which the correspondence between sanction forbidden goods and sanction forbidden clients, and between sanction forbidden goods and sanction forbidden clients, is recorded. The sanction forbidden customers corresponding to the sanction forbidden commodities are high-risk transaction customers corresponding to the sanction forbidden commodities.
And inquiring the target customer and the target commodity in the sanctioning prohibition list, so as to quickly determine whether the target customer is the sanctioning prohibition customer corresponding to the target commodity, and if the target customer is the sanctioning prohibition customer corresponding to the target commodity, determining whether the target customer is the high-risk transaction customer corresponding to the target commodity.
The sanction forbidden list is pre-established according to sanction forbidden information in the global range, and can be directly used in a pre-established mode without manually collecting related sanction forbidden information according to target commodities and target customers by enterprise legal affairs and sales teams, so that the efficiency of risk identification of the customers is improved.
In addition, compared with a mode of manually and temporarily collecting the sanction prohibition information related to the target commodity and the target customer, the sanction prohibition list established in advance can cover more comprehensive sanction prohibition information, and therefore the comprehensiveness of the customer risk identification is improved.
According to the client risk identification method provided by the embodiment, a client risk identification request is obtained; the client risk identification request comprises information of a target client and information of a target commodity; according to the pre-established sanction forbidden shipping list, whether the target customer is the high-risk transaction customer corresponding to the target commodity is determined, and the pre-established sanction forbidden shipping list provides more comprehensive sanction forbidden shipping information, so that a user can quickly identify whether the target customer is the high-risk transaction customer corresponding to the target commodity according to the sanction forbidden shipping list, and a large amount of labor cost and time cost are not required to be consumed to temporarily collect sanction forbidden information related to the target commodity and the target customer, and therefore the high efficiency and the comprehensiveness of customer risk identification are improved.
Referring to fig. 2, fig. 2 is another flowcharts of the customer risk identification method according to the embodiment of the present application.
In this embodiment, the content of the sanction prohibition list may include: sanction forbidden goods, sanction forbidden customers and sanction forbidden related customers; the sanctioned forbidden goods and the sanctioned forbidden clients have corresponding relations; the sanction-prohibited client is a client associated with the sanction-prohibited client.
As shown in fig. 2, the method includes:
s210: acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity.
The information of the target commodity may include: description, classification standard, classification code and other information of the target commodity; the information of the target customer may include: information such as name, address, tax receiving number and the like of the target client.
S220: and when the information of the target commodity is matched with the target sanctioning forbidden commodity in the sanctioning forbidden list and the information of the target customer is matched with the sanctioning forbidden customer corresponding to the target sanctioning forbidden commodity, determining that the target customer is the high-risk transaction customer corresponding to the target commodity.
For example, if the target product is "quantum calculator", the target customer is "X country a enterprise", and the sanctioned prohibited product "quantum calculator" is prohibited from being sold to the sanctioned prohibited customer "X country a enterprise" in the sanctioned prohibited list established in advance, it can be determined from this that the target customer "X country a enterprise" is a high-risk transaction customer whose target product is "quantum calculator", and if the "quantum calculator" is sold to "X country a enterprise", the transaction violation risk is assumed.
S230: and when the information of the target commodity is matched with the target sanctioning forbidden commodity in the sanctioning forbidden list and the information of the target customer is matched with sanctioning forbidden related customers associated with the sanctioning forbidden customers corresponding to the target sanctioning forbidden commodity, determining that the target customer is a high-risk trading customer corresponding to the target commodity.
For example, the target product is "quantum calculator", the target customer is "X nation a corporation", and the sanction prohibited product "quantum calculator" is prohibited from being sold to the sanction prohibited customer "B corporation" in the sanction prohibited list. Since the "enterprise B" invests the shares of the "enterprise X, nation a" or holds the shares of the "enterprise X, nation a" and becomes a sanction-related customer associated with the "enterprise B", it can be determined from this that the target customer "enterprise X, nation a" is a high-risk transaction customer whose target product is the "quantum calculator", and if the "quantum calculator" is sold to the "enterprise X, nation a", the risk of illegal transactions is borne.
Wherein the target sanctioned forbidden commodity is any sanctioned forbidden commodity in the sanctioned forbidden list.
The association relationship between the sanctioned forbidding client and the sanctioned forbidding client may include business relationships such as trading relationships, investment relationships, debt relationships, and the like.
the user initiating the client risk identification request may include a general user and a member user.
The CRM system inquires information such as description, classification standard, classification code and the like of a target commodity and information such as name, address, tax receiving number and the like of a target customer, judges whether the target commodity and the target customer are in a pre-established sanction forbidden list or not, and feeds back an inquiry result to the ordinary user.
The member user can also log in a CRM system through a website to submit a client risk identification request, the CRM system inquires information such as description, classification standard, classification code and the like of a target commodity and information such as name, address, tax receiving number and the like of a target client, judges whether the target commodity and the target client are in a pre-established sanction forbidden list, and feeds back an inquiry result and the incidence relation between the sanction forbidden client and a sanction forbidden related client to the member user in a graphical display mode so as to assist the member user in judging the client risk condition in steps.
According to the risk identification result of the client, the transaction illegal behavior can be effectively avoided, and the serious law sanction or economic punishment can be avoided.
According to the customer risk identification method provided by the embodiment, the sanctioned customers corresponding to the target sanctioned goods are determined as the high-risk transaction customers, and the sanctioned related customers associated with the sanctioned customers corresponding to the target sanctioned goods are determined as the high-risk transaction customers, so that the definition range of the high-risk transaction customers is effectively expanded, the comprehensiveness of the customer risk identification is improved, the early warning effect of the customer risk identification is improved, and the user can better avoid the transaction violation risk.
Aiming at the pre-established sanction forbidden list, the embodiment also provides a corresponding establishment process of the sanction forbidden list so as to provide a sanction forbidden list which is more comprehensive in information and more convenient and quicker to use, and improve the comprehensiveness and the efficiency of the risk identification of the client.
Referring to fig. 3, fig. 3 is a flowchart of a sanction forbidden list establishing process according to an embodiment of the present application.
As shown in fig. 3, the process of creating a sanction forbidden list includes:
s310: acquiring sanction forbidden information disclosed by the Internet; the sanction prohibition information includes the sanction prohibition commodity and the sanction prohibition client.
With the development of internet technology, massive data information is carried on the internet, wherein the massive data information also comprises sanction prohibition information of various regions in various countries in the world, and the information quantity is enough to meet the requirement of information comprehensiveness.
In addition, by using various technologies such as web crawler, ETL (Extract-Transform-Load), NoSQL (Not Only SQL, a non-relational database), and a knowledge map, it is possible to quickly and efficiently obtain comprehensive sanction prohibition information disclosed on the internet.
example, corresponding sanction and prohibition information can be obtained from the open network of each government, specifically, the information of the countries, enterprises and individuals, etc. of the commodities which are prohibited to trade is obtained by extracting and analyzing the web pages and attachments of the related websites of each government, thereby obtaining the comprehensive sanction and prohibition information.
, the sanction prohibition information may further include preconditions for allowing sanction prohibition customers to trade sanction prohibition merchandise.
For the sanctioned goods, the description of the goods can be used for matching the classification codes of the goods, so that a user can inquire the sanctioned goods through the classification codes of the goods and can also inquire the sanctioned goods through the description of the goods, and the convenience of goods inquiry is improved.
S320: acquiring business information of the sanctioned client;
, the business information of the sanctioned clients is obtained from a pre-established database of client information.
The sanction prohibition information generally only comprises name, address, telephone and other information of sanction prohibition clients, the client information database comprises more comprehensive client information, and business information of the sanction prohibition clients, such as legal persons, tax registration numbers and Dunbai numbers of sanction prohibition enterprises, tax identification numbers of legal persons and individuals and the like, can be acquired from a pre-established client information database through the name, address, telephone and other information of the sanction prohibition clients.
, the process of establishing the customer information database may include:
a1, obtaining enterprise public information from the department of industry and commerce , the department of stock exchange through web crawler technology, converting data into recognizable and retrievable information through natural language processing, and storing the information, wherein the information includes information of business registration address, legal person, tax identification number, telephone, stockholder composition, and the like.
a2, obtaining information of organization structure, high management members, enterprise frequent state and the like of the unmarked company by analyzing each enterprise official network.
a3, obtaining more desensitized business and personal information by co-operation with third parties (e.g., dungbai, arbiba, nauba, Amazon, etc.).
a4, and integrating public information of government and judicial department to obtain legal dispute information of enterprises and individuals.
By acquiring as much customer information as possible, a more comprehensive customer information database is established, and more comprehensive information service can be provided for customer risk identification.
S330: and acquiring the sanctioned forbidden client related to the sanctioned forbidden client according to the business information of the sanctioned forbidden client.
According to the business information of the sanctioning prohibition client, the incidence relation between the sanctioning prohibition client and other clients can be analyzed, and the sanctioning prohibition related client related to the sanctioning prohibition client is obtained. Wherein, the information of other clients can also be obtained from the client information database.
S340: and establishing the sanction forbidden delivery list according to the sanction forbidden delivery commodities, the sanction forbidden delivery customers and the sanction forbidden delivery related customers, the corresponding relation between the sanction forbidden delivery commodities and the sanction forbidden delivery customers, and the associated relation between the sanction forbidden delivery customers and the sanction forbidden delivery related customers.
, the sanction list may be as shown in Table 1 below:
TABLE 1 sanction ban List example
When the sanction prohibition information and the customer information are obtained, various technologies such as web crawlers, ETL, NoSQL, knowledge maps and the like can be used for obtaining data from the network, performing language analysis on web pages and attachments, converting the data into queryable formatted data through an ETL tool, and storing the connection information of corresponding data sources so as to facilitate a user to inquire the original data.
The establishment process of the sanction forbidden list provided by the embodiment acquires sanction forbidden information disclosed by the internet, wherein the sanction forbidden information comprises sanction forbidden commodities and sanction forbidden customers, acquires business information of the sanction forbidden customers, acquires sanction forbidden related customers related to the sanction forbidden customers according to the business information of the sanction forbidden customers, and establishes sets of sanction forbidden lists with comprehensive information and convenience and high efficiency in use according to the sanction forbidden commodities, the sanction forbidden customers, the corresponding relations of the sanction forbidden commodities and the sanction forbidden customers and the incidence relations of the sanction customers and the sanction forbidden customers, so that full information support is provided for customer risk identification, and the comprehensiveness and high efficiency of customer risk identification are improved.
Referring to fig. 4, fig. 4 is another flowcharts of the customer risk identification method according to the embodiment of the present application.
As shown in fig. 4, the method includes:
s410: acquiring a client credit inquiry request; the client credit inquiry request comprises the information of the target client.
The information of the target customer may include: name, address, tax payment number and other information of the target client.
S420: and inquiring the operation state information of the target customer from a pre-established customer information database according to the information of the target customer.
The operation state information can comprise at least items of asset liability rate, main operation profit rate, operation income increasing rate, receivable account turnover rate, cash self-sufficiency rate, whether the enterprise high management has illegal records or not, and whether the enterprise has purchasing contract disputes within a preset year or not.
S430: and determining the comprehensive credit score of the target customer according to the business state information of the target customer.
And scoring the credit status of the target client according to the operation state information of the target client to obtain the comprehensive credit score of the target client, thereby realizing comprehensive client credit management.
S440: and determining whether the target client is a high-risk transaction client or not according to the comprehensive credit score of the target client.
When the comprehensive credit score of the target customer is smaller than a preset credit score threshold value, the target customer can be determined to be a high-risk trading customer.
The customer risk identification method provided by the embodiment comprises the steps of obtaining a customer credit inquiry request, wherein the customer credit inquiry request comprises information of a target customer, inquiring operation state information of the target customer from a pre-established customer information database according to the information of the target customer, determining comprehensive credit score of the target customer according to the operation state information of the target customer, realizing customer credit management, and determining whether the target customer is a high-risk transaction customer according to the comprehensive credit score of the target customer, so that the comprehensiveness of customer risk identification is further improved by through the customer credit information, and the identification effect of the customer risk identification is improved.
Referring to fig. 5, fig. 5 is another flowcharts of the customer risk identification method according to the embodiment of the present application.
As shown in fig. 5, the method includes:
s510: acquiring a client credit inquiry request; the client credit inquiry request comprises the information of the target client;
s520: acquiring information of a target related client according to the information of the target client;
the target related customer is a customer associated with the target customer. The association relationship between the target related client and the target client may include business relationships such as trading relationships, investment relationships, claim relationships, and the like.
The information of the target related customer may include: name, address, tax number and the like of the target related client.
S530: and inquiring the operation state information of the target related customer from the pre-established customer information data according to the information of the target related customer.
The operation state information can comprise at least items of asset liability rate, main operation profit rate, operation income increasing rate, receivable account turnover rate, cash self-sufficiency rate, whether the enterprise high management has illegal records or not, and whether the enterprise has purchasing contract disputes within a preset year or not.
S540: and determining the comprehensive credit score of the target related customer according to the business state information of the target related customer.
And scoring the credit condition of the target related customer according to the business state information of the target related customer to obtain the comprehensive credit score of the target related customer, thereby realizing comprehensive customer credit management.
S550: and determining whether the target related customer is a high-risk transaction customer according to the comprehensive credit score of the target related customer.
And when the comprehensive credit score of the target related customer is smaller than a preset credit score threshold value, determining that the target related customer is a high-risk trading customer.
The client risk identification method provided by the embodiment comprises the steps of obtaining a client credit inquiry request, wherein the client credit inquiry request comprises information of a target client, obtaining information of a target related client according to the information of the target client, inquiring operation state information of the target related client from pre-established client information data according to the information of the target related client, determining a comprehensive credit score of the target related client according to the operation state information of the target related client, and determining whether the target related client is a high-risk transaction client according to the comprehensive credit score of the target related client, so that whether the target client is a high-risk transaction client or not can be determined, and whether a client related to the target client is a high-risk transaction client or not can be determined, and therefore is improved in the comprehensiveness of client risk identification and the identification effect of client risk identification.
The embodiment of the invention also provides a client risk identification device, which is used for implementing the client risk identification method provided by the embodiment of the invention, and the content of the client risk identification device described below can be correspondingly referred to with the content of the client risk identification method described above.
Referring to fig. 6, fig. 6 is a schematic structural diagram of types of customer risk identification devices according to an embodiment of the present application.
The customer risk identification device of this embodiment is used for implementing the customer risk identification method of the foregoing embodiment, and as shown in fig. 6, the device includes:
a user request acquisition unit 100, configured to acquire a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity;
and the client risk identification unit 200 is configured to determine whether the target client is a high-risk transaction client corresponding to the target commodity according to a pre-established sanction forbidden list.
, the content of the sanctioned-prohibited-transport list includes sanctioned-prohibited-transport commodities, sanctioned-prohibited-transport customers and sanctioned-prohibited-transport related customers, the sanctioned-prohibited-transport commodities and the sanctioned-prohibited customers have corresponding relations, the sanctioned-prohibited-transport related customers are customers related to the sanctioned-prohibited customers, and correspondingly, the customer risk identification unit 200 is specifically configured to:
when the information of the target commodity is matched with the target sanctioned forbidden commodity in the sanctioned forbidden commodity list and the information of the target customer is matched with a sanctioned forbidden customer corresponding to the target sanctioned forbidden commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
when the information of the target commodity is matched with the target sanctioned-prohibited commodity in the sanctioned-prohibited bill and the information of the target customer is matched with sanctioned-prohibited related customers associated with sanctioned-prohibited customers corresponding to the target sanctioned-prohibited commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
wherein the target sanctioned forbidden commodity is any sanctioned forbidden commodity in the sanctioned forbidden list.
The client risk identification device provided by the embodiment acquires a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity; according to the pre-established sanction forbidden shipping list, whether the target customer is a high-risk transaction customer corresponding to the target commodity is determined, the pre-established sanction forbidden shipping list provides more comprehensive sanction forbidden shipping information, so that a user can quickly identify whether the target customer is the high-risk transaction customer corresponding to the target commodity according to the sanction forbidden shipping list, and a large amount of labor cost and time cost are not required to be consumed to temporarily collect sanction forbidden shipping information related to the target commodity and the target customer, so that the high efficiency and the comprehensiveness of customer risk identification are improved.
Moreover, the customer risk identification device provided in this embodiment determines not only the sanctioned customers corresponding to the target sanctioned goods as high-risk transaction customers, but also the sanctioned-related customers associated with the sanctioned customers corresponding to the target sanctioned goods as high-risk transaction customers, so that the definition range of the high-risk transaction customers is effectively expanded, the comprehensiveness of the customer risk identification is improved, the early warning effect of the customer risk identification is improved, and the user can better avoid the risk of transaction violation.
Referring to fig. 7, fig. 7 is another structural schematic diagrams of the customer risk identification device according to the embodiment of the present application.
As shown in fig. 7, the apparatus includes, in addition to the user request acquiring unit 100 and the client risk identifying unit 200 in the foregoing embodiment, further includes: a sanction forbidden list establishing unit 300 and a client credit management unit 400.
, the sanction prohibition list establishing unit 300 is configured to:
acquiring sanction forbidden information disclosed by the Internet; the sanction forbidden information comprises the sanction forbidden commodities and the sanction forbidden clients; acquiring business information of the sanctioned client; acquiring the sanction forbidden related client associated with the sanction forbidden client according to the business information of the sanction forbidden client; and establishing the sanction prohibition list according to the sanction prohibition commodities, the sanction prohibition clients and the sanction prohibition related clients, the corresponding relation between the sanction prohibition commodities and the sanction prohibition clients and the incidence relation between the sanction prohibition clients and the sanction prohibition related clients.
, the obtaining the business information of the sanctioned clients includes obtaining the business information of the sanctioned clients from a pre-established client information database.
, the user request obtaining unit 100 is further configured to obtain a client credit query request, where the client credit query request includes information of the target client;
the client credit management unit 400 is configured to query the operation state information of the target client from a client information database established in advance according to the information of the target client; determining a comprehensive credit score of the target customer according to the operation state information of the target customer;
the client risk identification unit 200 is further configured to determine whether the target client is a high-risk transaction client according to the comprehensive credit score of the target client.
, the customer credit management unit 400 is further configured to obtain information of a target relevant customer according to the information of the target customer, query business status information of the target relevant customer from a pre-established customer information database according to the information of the target relevant customer, and determine a comprehensive credit score of the target relevant customer according to the business status information of the target relevant customer.
The client risk identification unit 200 is further configured to determine whether the target relevant client is a high-risk transaction client according to the comprehensive credit score of the target relevant client.
The client risk identification device provided by the embodiment acquires a client credit inquiry request, wherein the client credit inquiry request comprises information of a target client, acquires information of a target related client according to the information of the target client, inquires operation state information of the target client and the target related client from pre-established client information data according to the information of the target client and the target related client, determines comprehensive credit scores of the target client and the target related client according to the operation state information of the target client and the target related client, simultaneously realizes client credit management, determines whether the target client and the target related client are high-risk transaction clients according to the comprehensive credit scores of the target client and the target related client, can determine whether the target client is the high-risk transaction client, can also determine whether the client related to the target client is the high-risk transaction client, further improves the comprehensiveness of client risk identification, and improves the identification effect of client risk identification.
The client risk identification device provided by the embodiment of the present invention includes a processor and a memory, wherein the user request obtaining unit 100, the client risk identification unit 200, the sanction prohibition list establishing unit 300, the client credit management unit 400, and the like are all stored in the memory as program units, and the processor executes the program units stored in the memory to implement corresponding functions.
or more kernels can be set, and the technical problem that the client risk identification cannot be realized comprehensively and efficiently at present is solved by adjusting kernel parameters.
The memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), including at least memory chips.
An embodiment of the present invention provides storage media having a program stored thereon, where the program, when executed by a processor, implements the customer risk identification method.
The embodiment of the invention provides processors, wherein the processors are used for running a program, and the program executes the client risk identification method during running.
The embodiment of the invention provides kinds of equipment, the equipment comprises a processor, a memory and a program which is stored on the memory and can run on the processor, and the processor executes the program and realizes the following steps:
acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity;
determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list;
the sanction forbidden list is established according to sanction forbidden information on the global scale.
Preferably, the content of the sanctioned forbidden list comprises: sanction forbidden goods, sanction forbidden customers and sanction forbidden related customers; the sanctioned forbidden goods and the sanctioned forbidden customers have corresponding relations; the client related to sanction and forbidden is a client related to the sanction and forbidden client; wherein the determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list comprises:
when the information of the target commodity is matched with the target sanctioned forbidden commodity in the sanctioned forbidden commodity list and the information of the target customer is matched with a sanctioned forbidden customer corresponding to the target sanctioned forbidden commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
when the information of the target commodity is matched with the target sanctioned-prohibited commodity in the sanctioned-prohibited bill and the information of the target customer is matched with sanctioned-prohibited related customers associated with sanctioned-prohibited customers corresponding to the target sanctioned-prohibited commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
wherein the target sanctioned forbidden commodity is any sanctioned forbidden commodity in the sanctioned forbidden list.
Preferably, the process of establishing the sanction forbidden list comprises the following steps:
acquiring sanction forbidden information disclosed by the Internet; the sanction forbidden information comprises the sanction forbidden commodities and the sanction forbidden clients;
acquiring business information of the sanctioned client;
acquiring the sanction forbidden client related to the sanction forbidden client according to the business information of the sanction forbidden client;
and establishing the sanction prohibition list according to the sanction prohibition commodities, the sanction prohibition clients and the sanction prohibition related clients, the corresponding relation between the sanction prohibition commodities and the sanction prohibition clients and the incidence relation between the sanction prohibition clients and the sanction prohibition related clients.
Preferably, the acquiring the business information of the sanctioned client includes:
and acquiring the business information of the sanctioned forbidding client from a pre-established client information database.
Preferably, the method further comprises:
acquiring a client credit inquiry request; the client credit inquiry request comprises the information of the target client;
inquiring the operation state information of the target customer from a pre-established customer information database according to the information of the target customer;
determining the comprehensive credit score of the target client according to the operation state information of the target client;
and determining whether the target client is a high-risk transaction client or not according to the comprehensive credit score of the target client.
Preferably, after the obtaining the client credit inquiry request, the method further comprises:
acquiring information of a target related client according to the information of the target client; the target related client is a client associated with the target client;
inquiring the operation state information of the target related customer from a pre-established customer information database according to the information of the target related customer;
determining a comprehensive credit score of the target related customer according to the business state information of the target related customer;
and determining whether the target related customers are high-risk transaction customers or not according to the comprehensive credit scores of the target related customers.
The device herein may be a server, a PC, a PAD, a mobile phone, etc.
The present application further provides computer program product being adapted to perform a program for initializing the following method steps when executed on a data processing device:
acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity;
determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list;
the sanction forbidden list is established according to sanction forbidden information on the global scale.
Preferably, the content of the sanctioned forbidden list comprises: sanction forbidden goods, sanction forbidden customers and sanction forbidden related customers; the sanctioned forbidden goods and the sanctioned forbidden customers have corresponding relations; the client related to sanction and forbidden is a client related to the sanction and forbidden client; wherein the determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list comprises:
when the information of the target commodity is matched with the target sanctioned forbidden commodity in the sanctioned forbidden commodity list and the information of the target customer is matched with a sanctioned forbidden customer corresponding to the target sanctioned forbidden commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
when the information of the target commodity is matched with the target sanctioned-prohibited commodity in the sanctioned-prohibited bill and the information of the target customer is matched with sanctioned-prohibited related customers associated with sanctioned-prohibited customers corresponding to the target sanctioned-prohibited commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
wherein the target sanctioned forbidden commodity is any sanctioned forbidden commodity in the sanctioned forbidden list.
Preferably, the process of establishing the sanction forbidden list comprises the following steps:
acquiring sanction forbidden information disclosed by the Internet; the sanction forbidden information comprises the sanction forbidden commodities and the sanction forbidden clients;
acquiring business information of the sanctioned client;
acquiring the sanction forbidden client related to the sanction forbidden client according to the business information of the sanction forbidden client;
and establishing the sanction prohibition list according to the sanction prohibition commodities, the sanction prohibition clients and the sanction prohibition related clients, the corresponding relation between the sanction prohibition commodities and the sanction prohibition clients and the incidence relation between the sanction prohibition clients and the sanction prohibition related clients.
Preferably, the acquiring the business information of the sanctioned client includes:
and acquiring the business information of the sanctioned forbidding client from a pre-established client information database.
Preferably, the method further comprises:
acquiring a client credit inquiry request; the client credit inquiry request comprises the information of the target client;
inquiring the operation state information of the target customer from a pre-established customer information database according to the information of the target customer;
determining the comprehensive credit score of the target client according to the operation state information of the target client;
and determining whether the target client is a high-risk transaction client or not according to the comprehensive credit score of the target client.
Preferably, after the obtaining the client credit inquiry request, the method further comprises:
acquiring information of a target related client according to the information of the target client; the target related client is a client associated with the target client;
inquiring the operation state information of the target related customer from a pre-established customer information database according to the information of the target related customer;
determining a comprehensive credit score of the target related customer according to the business state information of the target related customer;
and determining whether the target related customers are high-risk transaction customers or not according to the comprehensive credit scores of the target related customers.
Moreover, the present application may take the form of a computer program product embodied on or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
It is to be understood that each flow and/or block in the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions which are provided to a processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flow diagram flow or flows and/or the block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In typical configurations, a computing device includes or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises the series of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
Moreover, the present application may take the form of a computer program product embodied on or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present application shall be included within the scope of the claims of the present application.
Claims (10)
1, A customer risk identification method, the method comprising:
acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity;
determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list;
the sanction forbidden list is established according to sanction forbidden information on the global scale.
2. The method of claim 1, wherein the contents of the sanctioned ban list comprise: sanction forbidden goods, sanction forbidden customers and sanction forbidden related customers; the sanctioned forbidden goods and the sanctioned forbidden customers have corresponding relations; the client related to sanction and forbidden is a client related to the sanction and forbidden client; wherein the determining whether the target customer is a high-risk transaction customer corresponding to the target commodity according to a pre-established sanction forbidden list comprises:
when the information of the target commodity is matched with the target sanctioned forbidden commodity in the sanctioned forbidden list and the information of the target customer is matched with the sanctioned forbidden customer corresponding to the target sanctioned forbidden commodity, determining that the target customer is a high-risk transaction customer corresponding to the target commodity;
when the information of the target commodity is matched with the target sanctioned forbidden commodity in the sanctioned forbidden commodity list and the information of the target customer is matched with sanctioned forbidden related customers associated with sanctioned forbidden customers corresponding to the target sanctioned forbidden commodity, determining that the target customer is a high-risk trading customer corresponding to the target commodity;
wherein the target sanctioned forbidden commodity is any sanctioned forbidden commodity in the sanctioned forbidden list.
3. The method of claim 1, wherein the sanction forbidden list creation process comprises:
acquiring sanction forbidden information disclosed by the Internet; the sanction forbidden information comprises the sanction forbidden commodities and the sanction forbidden clients;
acquiring business information of the sanctioned client;
acquiring the sanction forbidden client related to the sanction forbidden client according to the business information of the sanction forbidden client;
and establishing the sanction prohibition list according to the sanction prohibition commodities, the sanction prohibition clients and the sanction prohibition related clients, the corresponding relation between the sanction prohibition commodities and the sanction prohibition clients and the incidence relation between the sanction prohibition clients and the sanction prohibition related clients.
4. The method of claim 3, wherein said obtaining business information of the sanctioned client comprises:
and acquiring the business information of the sanctioned forbidding client from a pre-established client information database.
5. The method of claim 1, wherein the method further comprises:
acquiring a client credit inquiry request; the client credit inquiry request comprises the information of the target client;
inquiring the operation state information of the target customer from a pre-established customer information database according to the information of the target customer;
determining a comprehensive credit score of the target customer according to the business state information of the target customer;
and determining whether the target client is a high-risk transaction client or not according to the comprehensive credit score of the target client.
6. The method of claim 5, wherein after the obtaining the client credit query request, the method further comprises:
acquiring information of a target related client according to the information of the target client; the target related client is a client associated with the target client;
inquiring the operation state information of the target related customer from a pre-established customer information database according to the information of the target related customer;
determining a comprehensive credit score of the target related customer according to the business state information of the target related customer;
and determining whether the target related customers are high-risk transaction customers or not according to the comprehensive credit scores of the target related customers.
7, customer risk identification device, characterized in that it comprises:
the user request acquisition unit is used for acquiring a client risk identification request; the client risk identification request comprises information of a target client and information of a target commodity;
and the client risk identification unit is used for determining whether the target client is a high-risk transaction client corresponding to the target commodity according to a pre-established sanction forbidden list.
8. The apparatus of claim 7, wherein the apparatus further comprises: a client credit evaluation unit;
the user request acquisition unit is also used for acquiring a client credit inquiry request; the client credit inquiry request comprises the information of the target client;
the client credit evaluation unit is used for inquiring the operation state information of the target client from a pre-established client information database according to the information of the target client; determining a comprehensive credit score of the target customer according to the business state information of the target customer;
the client risk identification unit is further used for determining whether the target client is a high-risk transaction client or not according to the comprehensive credit score of the target client.
Storage medium, 9, , characterized in that the storage medium comprises a stored program, wherein the program when running controls the device on which the storage medium is located to execute the client risk identification method according to any of claims 1-6.
10, processor configured to run a program, wherein the program when running performs the method of identifying client risk of any of claims 1-6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810797215.9A CN110738498A (en) | 2018-07-19 | 2018-07-19 | Client risk identification method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810797215.9A CN110738498A (en) | 2018-07-19 | 2018-07-19 | Client risk identification method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110738498A true CN110738498A (en) | 2020-01-31 |
Family
ID=69234142
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810797215.9A Pending CN110738498A (en) | 2018-07-19 | 2018-07-19 | Client risk identification method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110738498A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111476508A (en) * | 2020-05-15 | 2020-07-31 | 支付宝(杭州)信息技术有限公司 | Risk identification method and system for target operation |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103577987A (en) * | 2012-07-20 | 2014-02-12 | 阿里巴巴集团控股有限公司 | Method and device for identifying risk users |
| CN107194767A (en) * | 2017-05-17 | 2017-09-22 | 深圳前海跨海侠跨境电子商务有限公司 | A kind of indicating risk method and system for being used to buy platform on behalf |
| CN107563614A (en) * | 2017-08-16 | 2018-01-09 | 北京金堤科技有限公司 | A kind of business risk appraisal procedure and device |
-
2018
- 2018-07-19 CN CN201810797215.9A patent/CN110738498A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103577987A (en) * | 2012-07-20 | 2014-02-12 | 阿里巴巴集团控股有限公司 | Method and device for identifying risk users |
| CN107194767A (en) * | 2017-05-17 | 2017-09-22 | 深圳前海跨海侠跨境电子商务有限公司 | A kind of indicating risk method and system for being used to buy platform on behalf |
| CN107563614A (en) * | 2017-08-16 | 2018-01-09 | 北京金堤科技有限公司 | A kind of business risk appraisal procedure and device |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111476508A (en) * | 2020-05-15 | 2020-07-31 | 支付宝(杭州)信息技术有限公司 | Risk identification method and system for target operation |
| CN111476508B (en) * | 2020-05-15 | 2022-05-17 | 支付宝(杭州)信息技术有限公司 | Risk identification method and system for target operation |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10546351B2 (en) | System and method for automatic generation of reports based on electronic documents | |
| Spilnyk et al. | Accounting and financial reporting system in the digital economy | |
| WO2015117548A1 (en) | Charging method and system for internet sales | |
| CN107958341A (en) | Risk Identification Method and device and electronic equipment | |
| US20190236127A1 (en) | Generating a modified evidencing electronic document including missing elements | |
| EP3245619A1 (en) | A system and method for consolidating expense records | |
| CN111145031B (en) | Insurance business customization method, device and system | |
| CN110969473A (en) | User label generation method and device | |
| CN110738498A (en) | Client risk identification method and device | |
| CN107180030B (en) | Method and device for generating relational data on network | |
| CN112200696A (en) | Real estate convenience service system based on internet | |
| JP6402397B1 (en) | Accounting device, accounting method, accounting program | |
| CN114398562B (en) | Shop data management method, device, equipment and storage medium | |
| Kalinić et al. | Factors influencing e-commerce development in Serbia | |
| US20160104105A1 (en) | Systems and Methods for Identifying Potential Shipments of Prohibited Goods from Merchants | |
| US20220405859A1 (en) | Recommendation system for recording a transaction | |
| CN110930103A (en) | Service ticket checking method and system, medium and computer system | |
| CN114596147A (en) | Data reconciliation method and device, computer equipment and storage medium | |
| US20140278752A1 (en) | System and method for identifying potential mergers and acquisitions | |
| US20160104173A1 (en) | Real-time economic indicator | |
| CN112650864A (en) | Data processing method and device, electronic equipment and storage medium | |
| US10592980B1 (en) | Systems methods and computer program products for identifying financial accounts utilized for business purposes | |
| US20180137578A1 (en) | System and method for prediction of deduction claim success based on an analysis of electronic documents | |
| Ukhalkar | Big Data and Analytics Use Cases for Banking and Financial Services Industry | |
| CN111753020A (en) | Method and device for establishing relational network model |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20200131 |