CN110766275A - Data verification method and device, computer equipment and storage medium - Google Patents
Data verification method and device, computer equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a data verification method, a data verification device, computer equipment and a storage medium, and belongs to the field of finance. According to the method and the system, the standard application data and the credit investigation data of the application user are obtained by analyzing the loan application information of the application user, so that the data processing speed can be increased, the interference information can be filtered, and the guarantee is provided for the auditing accuracy; the credit investigation data and the standard application data loan application information of the application user are graded based on the grading model, and the grading score is calculated, so that a large amount of loan information is converted into grading score data, examination and approval are carried out according to the grading score, if the examination and approval fails, the information and the credit investigation data of the associated support of the application user can be further graded, examination and approval are carried out according to the examination and approval score of the associated support, the precision of examination and approval efficiency is improved, the fault tolerance rate is avoided being improved, the purpose of fast applying for the loan is realized, and the examination and approval effect is automatically examined and approved.
Description
Technical Field
The invention relates to the field of finance, in particular to a data verification method, a data verification device, computer equipment and a storage medium.
Background
With the development of the internet financial industry, the situation of performing financial service transactions through internet channels is more and more popular. It is particularly important for banks to be able to correctly assess the risk of lending and prevent financial fraud and other situations from occurring in the wind control work. The current loan auditing process is mainly that auditing of data is generally carried out by auditing specialists, and has the disadvantages of complex process, long auditing period, time consumption, labor consumption, poor accuracy and poor experience effect of users.
Disclosure of Invention
Aiming at the problems of tedious manual auditing process, time consumption and labor consumption in the existing loan auditing, the invention provides a data verification method, a device, computer equipment and a storage medium which can automatically audit application information and have short time and high efficiency.
In order to achieve the above object, the present invention provides a data verification method, including:
s1, a data verification server obtains loan application information of an application user sent by a client, analyzes the loan application information to obtain standard application data, and obtains credit investigation data of the application user from a preset credit investigation database according to the loan application information;
s2, the data verification server performs data verification on the standard application data and the credit investigation data; if the data passes the verification, generating verification passing information; if not, go to step S3;
s3, the data verification server sends a credit investigation correlation data request to the preset credit investigation database, and receives basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the information of the correlation support person;
s4, the data verification server evaluates basic data and credit investigation data of the associated support based on a data evaluation model to obtain evaluation data;
and S5, the data verification server matches the evaluation data with a preset threshold, and if the evaluation data meets the preset threshold, verification passing information is generated.
Preferably, in step S1, the step of acquiring, by the data verification server, loan application information of the application user sent by the client, analyzing the loan application information to acquire standard application data, and acquiring credit investigation data of the application user from a preset credit investigation database according to the loan application information includes:
s11, the data verification server obtains loan application information of the application user sent by a client, analyzes the loan application information to extract characteristic data, and converts the characteristic data into standard application data;
s12, detecting whether the standard application data has data loss and abnormality or not, and if yes, generating a message for reacquiring loan application information; if not, go to step S13;
and S13, the data verification server extracts the personal identification data in the standard application data, generates a credit investigation acquisition request carrying the personal identification data, sends the credit investigation request to the preset credit investigation database, and acquires the credit investigation information of the application user from the preset credit investigation database.
Preferably, the loan application information includes: applying for user information, property information, loan amount, loan term, loan purpose information, and loan product information.
Preferably, in step S2, the step of the data verification server performing data verification on the standard application data and the credit investigation data includes:
the data verification server extracts scoring data from credit investigation data and the standard application data of the application user respectively, and inputs the scoring data into a scoring model to calculate a scoring score;
the scoring model comprises: the loan payment system comprises personal information type scoring items, loan amount type scoring items and loan overdue type scoring items;
matching the score with a verification threshold value, and if the score is matched with the verification threshold value, generating verification passing information; if not, step S3 is executed.
Preferably, in step S3, the step of sending, by the data verification server, a credit investigation related data request to the preset credit investigation database, receiving the preset credit investigation database, and sending basic data and credit investigation data corresponding to the information of the related support person includes:
the data verification server extracts associated support person information from the standard application data, generates a credit investigation associated data request based on the associated support person information, sends the credit investigation associated data request to the preset credit investigation database, and receives basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the associated support person information.
Preferably, the step of extracting the relevant support person information from the standard application data by the data verification server includes:
s31, the data verification server identifies whether the application user has a spouse or not according to the standard application data of the application user and/or the credit investigation data of the application user, and if so, executes the step S32; if not, go to step S33;
s32, the data verification server takes the spouse information of the application user as the associated support information of the application user;
and S33, the data verification server sends a request for acquiring the information of the associated support person to the client, and acquires the information of the associated support person sent by the client.
Preferably, in step S4, the data verification server evaluates the basic data and the credit investigation data of the associated support based on the data evaluation model to obtain evaluation data, including:
the data verification server extracts scoring data from credit investigation data and basic data of the associated support person respectively, and inputs the scoring data into an evaluation model to calculate evaluation data;
the evaluation model includes: the loan payment system comprises a personal information type evaluation item, a loan amount type evaluation item and a loan overdue type evaluation item;
and adding the evaluation scores obtained by calculating all the evaluation items to obtain evaluation data.
To achieve the above object, the present invention provides a data verification apparatus, comprising: a data validation server, the data validation server comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring loan application information of an application user sent by a client, analyzing the loan application information to acquire standard application data, and acquiring credit investigation data of the application user from a preset credit investigation database according to the loan application information;
the verification unit is used for carrying out data verification on the standard application data and the credit investigation data; if the data passes the verification, generating verification passing information;
the acquisition unit is also used for sending a credit investigation associated data request to the preset credit investigation database when the data are not verified, and receiving basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the associated support information;
and the evaluation unit is used for evaluating the basic data and credit investigation data of the associated support based on the data evaluation model to obtain evaluation data, matching the evaluation data with a preset threshold value, and generating verification passing information if the evaluation data meets the preset threshold value.
To achieve the above object, the present invention provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the above method when executing the computer program.
To achieve the above object, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when being executed by a processor, carries out the steps of the above method.
According to the data verification method, the data verification device, the computer equipment and the storage medium, the standard application data and the credit investigation data of the application user are obtained by analyzing the loan application information of the application user, so that the data processing speed can be increased, the interference information can be filtered, and the guarantee is provided for the accuracy of examination and check; the credit investigation data and the standard application data loan application information of the application user are graded based on a preset grading model, so that a large amount of loan information is converted into grading scores, examination and approval are carried out according to the grading scores, if the examination and approval fails, the information of the associated support and the credit investigation data of the associated support can be further graded, evaluation is carried out according to the evaluation data of the associated support, the precision of examination and approval efficiency is improved, the fault tolerance rate is prevented from being improved, the purpose of applying for the loan rapidly is realized, the examination and approval effect is automatically examined and approved, the workload of examination and approval personnel is greatly saved, and the experience effect of the application user is improved.
Drawings
FIG. 1 is a flow chart of an embodiment of a data verification method according to the present invention;
FIG. 2 is a flow chart of another embodiment of a data verification method according to the present invention;
FIG. 3 is a block diagram of an embodiment of a data verification device according to the present invention;
fig. 4 is a schematic diagram of a hardware architecture of an embodiment of a computer device according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The data verification method, the data verification device, the computer equipment and the storage medium are suitable for the loan business fields of car loan, house renting loan and the like, and the data verification method capable of shortening the verification time and saving manpower is provided. According to the method and the system, the standard application data and the credit investigation data of the application user are obtained by analyzing the loan application information of the application user, so that the data processing speed can be increased, the interference information can be filtered, and the guarantee is provided for the auditing accuracy; the credit investigation data and the standard application data loan application information of the application user are graded based on a preset grading model, so that a large amount of loan information is converted into grading values, examination and approval are carried out according to the grading values, if the examination and approval fails, the information of a sponsor of the application user and the credit investigation data of the sponsor can be further graded, evaluation is carried out according to the evaluation data of the sponsor, the precision of examination and approval efficiency is improved, the fault tolerance rate is prevented from being improved, the purpose of applying for loans can be fast is achieved, the examination and approval effect is automatically examined and approved, the workload of examination and approval personnel is greatly saved, and the experience effect of the application user is improved.
Example one
Referring to fig. 1, a data verification method of the present embodiment is mainly applied to personal lending services such as car lending, house lending, and the like, and the method includes the following steps:
s1, a data verification server obtains loan application information of an application user sent by a client, analyzes the loan application information to obtain standard application data, and obtains credit investigation data of the application user from a preset credit investigation database according to the loan application information;
wherein the loan application information may include: applying for user information, property information, loan amount, loan term, loan purpose information, and loan product information. The application user information mainly comprises basic information such as name, gender, identification number, age and the like of an application user; the asset information mainly comprises bank deposit, house property, purchased fund, stock and the like; the loan purpose information mainly comprises personal car purchasing, decoration, traveling, foreign country purchasing, furniture purchasing, house purchasing and other information; the loan product information mainly comprises information such as the type of the installment loan, the amount of the installment repayment and the like. The standard application data is obtained by performing weight conversion on parameter independent variables in loan application information, and the result of Logistic regression can be directly converted into a summary table, namely the so-called standard application data.
The loan application information can be converted into the data type convenient for the grading model processing by analyzing the loan application information, so that the processing speed is improved.
Specifically, the step S1 may include:
s11, the data verification server obtains loan application information of the application user sent by a client, analyzes the loan application information to extract characteristic data, and converts the characteristic data into standard application data;
in this step, the application user can fill in loan application information through a mobile terminal (such as a mobile phone) or a professional terminal applying for loan, and upload the loan application information to the data verification server. Interference can be filtered out by converting the characteristic data into standard application data, so that guarantee is provided for subsequent auditing precision.
S12, detecting whether the standard application data has data loss and abnormality or not, and if yes, generating a message for reacquiring loan application information; if not, go to step S13;
wherein the missing data is the missing data in the data of the standard application data; and the abnormality is that the data in the standard application data is higher than or lower than a preset threshold value.
Abnormal data can be rapidly screened by detecting the standard application data, and the auditing speed is improved.
And S13, the data verification server extracts the personal identification data in the standard application data, generates a credit investigation acquisition request carrying the personal identification data, sends the credit investigation request to the preset credit investigation database, and acquires the credit investigation information of the application user from the preset credit investigation database.
The personal identification data can be the identification number of the application user, and the data verification server applies for credit investigation data query to the Chinese people bank credit investigation center according to the personal identification data so as to obtain the credit investigation data of the application user. Wherein, the credit investigation data mainly includes: personal basic information (such as identity information, spouse information, residence information, occupational information and the like), information summaries (such as credit prompts, overdue and default information summaries, credit and liability information summaries and the like), credit transaction information details (such as credit cards, repayment records and the like) and the like. The preset credit investigation database can be a credit investigation terminal for storing credit investigation information.
S2, the data verification server performs data verification on the standard application data and the credit investigation data; if the data passes the verification, generating verification passing information; if not, go to step S3;
further, step S2 may include:
the data verification server extracts scoring data from credit investigation data and the standard application data of the application user respectively, and inputs the scoring data into a scoring model to calculate a scoring score;
wherein the scoring model comprises: the loan payment system comprises personal information type scoring items, loan amount type scoring items and loan overdue type scoring items;
matching the score with a verification threshold value, and if the score is matched with the verification threshold value, generating verification passing information; if not, step S3 is executed.
In this embodiment, the scoring items in the scoring model may be scoring item models obtained by training a large amount of historical loan data (data that actually occurs and ends the loan) by using a neural network algorithm.
When personal information type scoring is carried out, corresponding data in loan application information uploaded by a standard application data application user needs to be matched according to the acquired credit investigation data, the application user information, the asset information and the corresponding information in the credit investigation data are matched to judge whether the information is consistent, if so, personal basic information in the application user information, the asset information and the credit investigation data is input into a scoring item model corresponding to personal information type scoring, the scoring item model scores based on the personal information of the user, and a scoring score is output.
When the loan amount type scoring is carried out, inputting the loan amount, the loan term, the loan purpose and the loan product into a scoring item model corresponding to the loan amount type scoring, scoring based on the loan data of the user by the scoring item model, and outputting a scoring score;
when the loan overdue class is graded, credit prompt data, overdue and default information summary data, credit granting and liability information summary and other data in the credit investigation data are input into a grading item model corresponding to the loan overdue class grading, grading is carried out by the grading item model based on the loan overdue data of the user, and grading scores are output.
By way of example and not limitation, when the personal information class score of the application user is 3 points, the loan amount class score is 2 points, and the loan overdue class score is 3 points, 8 points obtained by summing up the personal information class score, the loan amount class score and the loan overdue class score are taken as the audit score (the audit score is 10 points at most).
In this embodiment, taking the verification threshold of 7.5 points or more as an example, when the score is 8 points and is greater than 7.5 points, it indicates that the approval score of the applying user meets the loan condition, and the loan approval is passed; and on the contrary, when the audit score is less than or equal to 7.5 minutes, the audit score of the user is not in accordance with the loan condition, and a guarantee person needs to be provided.
S3, the data verification server sends a credit investigation correlation data request to the preset credit investigation database, and receives basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the information of the correlation support person;
in this step, associating the insurer may include: a lender (which may be multiple), and/or a guarantor.
Further, in step S3, the step of sending, by the data verification server, a credit investigation related data request to the preset credit investigation database, receiving the preset credit investigation database, and sending basic data and credit investigation data corresponding to the information of the associated support person includes:
the data verification server extracts associated support person information from the standard application data, generates a credit investigation associated data request based on the associated support person information, sends the credit investigation associated data request to the preset credit investigation database, and receives basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the associated support person information.
As shown in fig. 2, the step of extracting the relevant support person information from the standard application data by the data verification server includes:
s31, the data verification server identifies whether the application user has a spouse or not according to the standard application data of the application user and/or the credit investigation data of the application user, and if so, executes the step S32; if not, go to step S33;
s32, the data verification server takes the spouse information of the application user as the associated support information of the application user;
and S33, the data verification server sends a request for acquiring the information of the associated support person to the client, and acquires the information of the associated support person sent by the client.
When the application information of the application user does not meet the loan condition, the basic data and credit investigation data of the associated guarantee person can be obtained, and the fault tolerance rate of the audit is improved. It should be noted that: the basic data of the associated sponsor refers to the certification information of the common loan relationship between the associated sponsor and the application user and the personal information (such as identification number, photo, etc.) of the sponsor, or the information of the loan guarantor of which the sponsor is the applicant and the personal information (such as identification number, photo, etc.) of the sponsor. The credit investigation database (namely, the preset credit investigation database) is applied to a credit investigation center of the Chinese people bank for inquiry based on the personal information of the associated security personnel so as to obtain the credit investigation data of the security personnel.
S4, the data verification server evaluates basic data and credit investigation data of the associated support based on a data evaluation model to obtain evaluation data;
further, the step S4 may include:
the data verification server extracts scoring data from credit investigation data and basic data of the associated support person respectively, and inputs the scoring data into an evaluation model to calculate evaluation data;
the evaluation model includes: the loan payment system comprises a personal information type evaluation item, a loan amount type evaluation item and a loan overdue type evaluation item;
and adding the evaluation scores obtained by calculating all the evaluation items to obtain evaluation data.
In this embodiment, the scoring items in the assessment model may be assessment item models obtained by training a large amount of historical loan data (data that actually occurs and ends the loan) by using a neural network algorithm.
By way of example and not limitation, when the personal information class score of the associated security holder is 3 points, the loan amount class score is 2 points, and the loan overdue class score is 3 points, 8 points obtained by summing up the personal information class score, the loan amount class score and the loan overdue class score are the evaluation data score (the evaluation data score is 10 points at most).
And S5, the data verification server matches the evaluation data with a preset threshold, and if the evaluation data meets the preset threshold, verification passing information is generated.
In this embodiment, taking the preset threshold value of 7.5 points or more as an example, when the evaluation score is 8 points greater than 7.5 points, it indicates that the audit score of the associated sponsor meets the loan condition, and the loan audit of the applicant passes; and on the contrary, when the audit score is less than or equal to 7.5 minutes, the audit score of the associated sponsor is not in accordance with the loan condition, and the applicant needs to provide the information of other associated sponsors for re-audit.
In the embodiment, standard application data and credit investigation data of the application user are obtained by analyzing the loan application information of the application user, so that the data processing speed can be increased, interference information can be filtered, and the checking accuracy is guaranteed; the credit investigation data and the standard application data loan application information of the application user are graded based on a preset grading model, so that a large amount of loan information is converted into grading values, examination and approval are carried out according to the grading values, if the examination and approval fails, the information of a sponsor of the application user and the credit investigation data of the sponsor can be further graded, evaluation is carried out according to the evaluation data of the sponsor, the precision of examination and approval efficiency is improved, the fault tolerance rate is prevented from being improved, the purpose of applying for loans can be fast is achieved, the examination and approval effect is automatically examined and approved, the workload of examination and approval personnel is greatly saved, and the experience effect of the application user is improved.
Example two
Referring to fig. 3, a data verification apparatus 1 of the present embodiment includes: a data validation server, the data validation server comprising: an acquisition unit 11, a verification unit 12, and an evaluation unit 13; wherein:
the system comprises an acquisition unit 11, a credit investigation unit and a credit investigation unit, wherein the acquisition unit is used for acquiring loan application information of an application user sent by a client, analyzing the loan application information to acquire standard application data, and acquiring credit investigation data of the application user from a preset credit investigation database according to the loan application information;
specifically, receiving loan application information sent by a client and uploaded by the application user, analyzing the loan application information to extract characteristic data, and converting the characteristic data into standard application data; detecting whether the standard application data has data loss and abnormality; if yes, generating a message for reacquiring loan application information; if not, extracting the personal identification data in the standard application data, generating an acquisition credit investigation request carrying the personal identification data, sending the credit investigation request to a preset credit investigation database, and acquiring credit investigation information of the application user from the preset credit investigation database;
the verification unit 12 is configured to perform data verification on the standard application data and the credit investigation data; if the data passes the verification, generating verification passing information;
the verification unit 12 extracts scoring data from credit investigation data and standard application data of the application user, and inputs the scoring data into a scoring model to calculate a scoring score;
wherein the scoring model comprises: the loan payment system comprises personal information type scoring items, loan amount type scoring items and loan overdue type scoring items;
in this embodiment, the scoring items in the scoring model may be scoring item models obtained by training a large amount of historical loan data (data that actually occurs and ends the loan) by using a neural network algorithm.
When personal information type scoring is carried out, corresponding data in loan application information uploaded by a standard application data application user needs to be matched according to the acquired credit investigation data, the application user information, the asset information and the corresponding information in the credit investigation data are matched to judge whether the information is consistent, if so, personal basic information in the application user information, the asset information and the credit investigation data is input into a scoring item model corresponding to personal information type scoring, the scoring item model scores based on the personal information of the user, and a scoring score is output.
When the loan amount type scoring is carried out, inputting the loan amount, the loan term, the loan purpose and the loan product into a scoring item model corresponding to the loan amount type scoring, scoring based on the loan data of the user by the scoring item model, and outputting a scoring score;
when the loan overdue class is graded, credit prompt data, overdue and default information summary data, credit and liability information summary and other data in the credit investigation data are input into a grading model corresponding to the loan overdue class grading, grading is carried out by the grading model based on the loan overdue data of the user, and grading scores are output.
The obtaining unit 11 is further configured to send a credit investigation association data request to the preset credit investigation database when the data is not verified, and receive basic data and credit investigation data corresponding to the associated sponsor information sent by the preset credit investigation database;
in this step, associating the insurer may include: a lender (which may be multiple), and/or a guarantor.
The obtaining unit 11 extracts the associated support information from the standard application data, generates a credit investigation associated data request based on the associated support information, sends the credit investigation associated data request to the preset credit investigation database, and receives the basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the associated support information.
Further, the obtaining unit 11 identifies whether the applying user has a spouse according to the standard applying data loan application information of the applying user and/or the credit investigation data of the applying user, if so, the obtaining unit 11 takes the spouse of the applying user as an associated sponsor of the applying user, and obtains the credit investigation data of the associated sponsor according to the personal identification data in the associated sponsor information; if not, the obtaining unit 11 obtains the associated support person information, and obtains credit investigation data of the associated support person according to the personal identification data in the associated support person information.
The evaluation unit 13 is configured to evaluate basic data and credit investigation data of an associated sponsor based on a data evaluation model to obtain evaluation data, match the evaluation data with a preset threshold, and generate verification passing information if the evaluation data meets the preset threshold.
The evaluation unit 13 extracts scoring data from credit investigation data and basic data of the associated support person, and inputs the scoring data into an evaluation model to calculate evaluation data;
the evaluation model includes: the loan payment system comprises a personal information type evaluation item, a loan amount type evaluation item and a loan overdue type evaluation item;
and adding the evaluation scores obtained by calculating all the evaluation items to obtain evaluation data.
In this embodiment, the scoring items in the assessment model may be assessment item models obtained by training a large amount of historical loan data (data that actually occurs and ends the loan) by using a neural network algorithm.
Taking the preset threshold value of more than 7.5 minutes as an example, when the evaluation score is 8 minutes and is more than 7.5 minutes, the audit score of the associated sponsor is shown to be in accordance with the loan condition, and the loan audit of the applicant is passed; and on the contrary, when the audit score is less than or equal to 7.5 minutes, the audit score of the associated sponsor is not in accordance with the loan condition, and the applicant needs to provide the information of other associated sponsors for re-audit.
In the embodiment, standard application data and credit investigation data of the application user are obtained by analyzing the loan application information of the application user, so that the data processing speed can be increased, interference information can be filtered, and the checking accuracy is guaranteed; the credit investigation data and the standard application data loan application information of the application user are graded based on a preset grading model, so that a large amount of loan information is converted into grading values, examination and approval are carried out according to the grading values, if the examination and approval fails, the information of a sponsor of the application user and the credit investigation data of the sponsor can be further graded, evaluation is carried out according to the evaluation data of the sponsor, the precision of examination and approval efficiency is improved, the fault tolerance rate is prevented from being improved, the purpose of applying for loans can be fast is achieved, the examination and approval effect is automatically examined and approved, the workload of examination and approval personnel is greatly saved, and the experience effect of the application user is improved.
EXAMPLE III
In order to achieve the above object, the present invention further provides a computer device, where the computer device 2 includes a plurality of computer devices, components of the data verification apparatus 1 in the second embodiment may be distributed in different computer devices, and the computer device 2 may be a smart phone, a tablet computer, a notebook computer, a desktop computer, a rack-mounted server, a blade server, a tower server, or a rack-mounted server (including an independent server, or a server cluster formed by a plurality of servers) that executes a program, or the like. The computer device 2 of the present embodiment includes at least, but is not limited to: a memory 21, a processor 22, a network interface 23, and the data verification apparatus 1 (refer to fig. 4) that are communicably connected to each other through a system bus. It is noted that fig. 4 only shows the computer device 2 with components, but it is to be understood that not all of the shown components are required to be implemented, and that more or less components may be implemented instead.
In this embodiment, the memory 21 includes at least one type of computer-readable storage medium, which includes a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the storage 21 may be an internal storage unit of the computer device 2, such as a hard disk or a memory of the computer device 2. In other embodiments, the memory 21 may also be an external storage device of the computer device 2, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), or the like provided on the computer device 2. Of course, the memory 21 may also comprise both an internal storage unit of the computer device 2 and an external storage device thereof. In this embodiment, the memory 21 is generally used for storing an operating system installed in the computer device 2 and various application software, such as a program code of the data verification method in the first embodiment. Further, the memory 21 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 22 may be, in some embodiments, a Central Processing Unit (CPU) 22, a controller, a microcontroller, a microprocessor 22, or other data Processing chip. The processor 22 is generally configured to control the overall operation of the computer device 2, such as performing control and processing related to data interaction or communication with the computer device 2. In this embodiment, the processor 22 is configured to operate the program codes stored in the memory 21 or process data, for example, operate the data verification apparatus 1.
The network interface 23 may comprise a wireless network interface 23 or a wired network interface 23, the network interface 23 typically being used to establish a communication connection between the computer device 2 and other computer devices 2. For example, the network interface 23 is used to connect the computer device 2 to an external terminal through a network, establish a data transmission channel and a communication connection between the computer device 2 and the external terminal, and the like. The network may be a wireless or wired network such as an Intranet (Intranet), the Internet (Internet), a Global System of Mobile communication (GSM), Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network, Bluetooth (Bluetooth), Wi-Fi, and the like.
It is noted that fig. 4 only shows the computer device 2 with components 21-23, but it is to be understood that not all shown components are required to be implemented, and that more or less components may be implemented instead.
In this embodiment, the data verification apparatus 1 stored in the memory 21 may be further divided into one or more program modules, and the one or more program modules are stored in the memory 21 and executed by one or more processors 22 (in this embodiment, the processor 22) to complete the present invention.
Example four:
to achieve the above objects, the present invention also provides a computer-readable storage medium including a plurality of storage media such as a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application store, etc., on which a computer program is stored, which when executed by the processor 22 implements corresponding functions. The computer-readable storage medium of the present embodiment is used for storing the data verification apparatus 1, and when being executed by the processor 22, the computer-readable storage medium implements the data verification method of the first embodiment.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A method of data verification, the method comprising:
s1, a data verification server obtains loan application information of an application user sent by a client, analyzes the loan application information to obtain standard application data, and obtains credit investigation data of the application user from a preset credit investigation database according to the loan application information;
s2, the data verification server performs data verification on the standard application data and the credit investigation data; if the data passes the verification, generating verification passing information; if not, go to step S3;
s3, the data verification server sends a credit investigation correlation data request to the preset credit investigation database, and receives basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the information of the correlation support person;
s4, the data verification server evaluates basic data and credit investigation data of the associated support based on a data evaluation model to obtain evaluation data;
and S5, the data verification server matches the evaluation data with a preset threshold, and if the evaluation data meets the preset threshold, verification passing information is generated.
2. The data verification method according to claim 1, wherein in step S1, the step of the data verification server obtaining loan application information of the application user sent by the client, analyzing the loan application information to obtain standard application data, and obtaining credit investigation data of the application user from a preset credit investigation database according to the loan application information includes:
s11, the data verification server obtains loan application information of the application user sent by a client, analyzes the loan application information to extract characteristic data, and converts the characteristic data into standard application data;
s12, detecting whether the standard application data has data loss and abnormality or not, and if yes, generating a message for reacquiring loan application information; if not, go to step S13;
and S13, the data verification server extracts the personal identification data in the standard application data, generates a credit investigation acquisition request carrying the personal identification data, sends the credit investigation request to the preset credit investigation database, and acquires the credit investigation information of the application user from the preset credit investigation database.
3. The data verification method of claim 1, wherein the loan application information comprises: applying for user information, property information, loan amount, loan term, loan purpose information, and loan product information.
4. The data verification method according to claim 1, wherein in step S2, the step of performing, by the data verification server, data verification on the standard application data and the credit data includes:
the data verification server extracts scoring data from credit investigation data and the standard application data of the application user respectively, and inputs the scoring data into a scoring model to calculate a scoring score;
the scoring model comprises: the loan payment system comprises personal information type scoring items, loan amount type scoring items and loan overdue type scoring items;
matching the score with a verification threshold value, and if the score is matched with the verification threshold value, generating verification passing information; if not, step S3 is executed.
5. The data verification method according to claim 1, wherein in step S3, the step of sending a credit investigation related data request to the preset credit investigation database by the data verification server, and receiving the basic data and credit investigation data corresponding to the related support person information sent by the preset credit investigation database comprises:
the data verification server extracts associated support person information from the standard application data, generates a credit investigation associated data request based on the associated support person information, sends the credit investigation associated data request to the preset credit investigation database, and receives basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the associated support person information.
6. The data verification method of claim 5, wherein the step of the data verification server extracting the associated sponsor information from the standard application data comprises:
s31, the data verification server identifies whether the application user has a spouse or not according to the standard application data of the application user and/or the credit investigation data of the application user, and if so, executes the step S32; if not, go to step S33;
s32, the data verification server takes the spouse information of the application user as the associated support information of the application user;
and S33, the data verification server sends a request for acquiring the information of the associated support person to the client, and acquires the information of the associated support person sent by the client.
7. The data verification method according to claim 4, wherein in step S4, the data verification server evaluates basic data and credit investigation data of the associated support person based on a data evaluation model to obtain evaluation data, and the evaluation data comprises:
the data verification server extracts scoring data from credit investigation data and basic data of the associated support person respectively, and inputs the scoring data into an evaluation model to calculate evaluation data;
the evaluation model includes: the loan payment system comprises a personal information type evaluation item, a loan amount type evaluation item and a loan overdue type evaluation item;
and adding the evaluation scores obtained by calculating all the evaluation items to obtain evaluation data.
8. A data verification apparatus, comprising: a data validation server, the data validation server comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring loan application information of an application user sent by a client, analyzing the loan application information to acquire standard application data, and acquiring credit investigation data of the application user from a preset credit investigation database according to the loan application information;
the verification unit is used for carrying out data verification on the standard application data and the credit investigation data; if the data passes the verification, generating verification passing information;
the acquisition unit is also used for sending a credit investigation associated data request to the preset credit investigation database when the data are not verified, and receiving basic data and credit investigation data which are sent by the preset credit investigation database and correspond to the associated support information;
and the evaluation unit is used for evaluating the basic data and credit investigation data of the associated support based on the data evaluation model to obtain evaluation data, matching the evaluation data with a preset threshold value, and generating verification passing information if the evaluation data meets the preset threshold value.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method of any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium having stored thereon a computer program, characterized in that: the computer program when executed by a processor implements the steps of the method of any one of claims 1 to 7.
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| CN201910882521.7A CN110766275A (en) | 2019-09-18 | 2019-09-18 | Data verification method and device, computer equipment and storage medium |
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| CN201910882521.7A CN110766275A (en) | 2019-09-18 | 2019-09-18 | Data verification method and device, computer equipment and storage medium |
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