CN111953794A - Group cheating and lending early warning method and device - Google Patents
Group cheating and lending early warning method and device Download PDFInfo
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- CN111953794A CN111953794A CN202010842388.5A CN202010842388A CN111953794A CN 111953794 A CN111953794 A CN 111953794A CN 202010842388 A CN202010842388 A CN 202010842388A CN 111953794 A CN111953794 A CN 111953794A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/54—Presence management, e.g. monitoring or registration for receipt of user log-on information, or the connection status of the users
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- 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
- G06Q40/03—Credit; Loans; Processing thereof
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
- H04L69/18—Multiprotocol handlers, e.g. single devices capable of handling multiple protocols
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W84/00—Network topologies
- H04W84/18—Self-organising networks, e.g. ad-hoc networks or sensor networks
Abstract
The invention provides a group cheating credit early warning method and a group cheating credit early warning device, wherein the method comprises the steps of starting an equipment scanning service when a network credit APP of a mobile equipment end is started; the equipment scanning service establishes a local area network multicast network; when a new network credit APP of the mobile equipment terminal is started in the local area network, sending a udp data packet to the local area network multicast network; the network credit APP of the mobile equipment end which is on line receives the udp data packet, and reports the udp data packet to the background server; the background server counts the online number of the APP credited in the same local area network according to the received udp data packet; and when the online quantity of the network credit APPs in the same local area network is greater than a preset early warning value, sending early warning to a network credit management platform to inform network credit management personnel of risks. The invention has the beneficial effects that: the method can effectively carry out early warning on the group cheating loan and reduce the loss of the group cheating loan to the platform.
Description
Technical Field
The invention relates to a cheating and lending early warning method and a cheating and lending early warning device, in particular to a group cheating and lending early warning method and a group cheating and lending early warning device.
Background
The Internet loan means that all steps of loan application can be completed without leaving a home by virtue of the advantages of the Internet, and the loan application can be completed efficiently on the Internet by knowing application conditions of various loans, preparing application materials and submitting loan applications.
However, many network credit fraud exists, and a great loss is caused to a network credit platform. The cheating loan behavior generally has the characteristic of group committing, loan requests are submitted to a network loan platform in batches through a network loan APP, the submitted personal identity information is fake information, and loans are cheated by utilizing the loopholes audited by the network loan platform; the fraud mode causes huge loss to the network loan platform due to the fact that the submitted loan application amount is large and the network loan platform is slightly careless, so that a method for avoiding the fraudulent loan behavior of the group partner is needed.
Disclosure of Invention
The technical problem to be solved by the invention is as follows: provides a group cheating loan early warning method and a group cheating loan early warning device, and aims to prevent group cheating loan behaviors.
In order to solve the technical problems, the invention adopts the technical scheme that: a group cheat loan early warning method comprises the following steps,
s10, when a network credit APP of the mobile equipment end is started, starting equipment scanning service;
s20, the equipment scanning service creates a local area network multicast network;
s30, when a network credit APP of a new mobile equipment end is started in the local area network, sending a udp data packet to the local area network multicast network;
s40, the network credit APP of the mobile equipment end which is on line receives the udp data packet, and reports the udp data packet to the background server;
s50, the background server calculates the online quantity of the APP credited in the same local area network according to the received udp data packet;
and S60, when the online quantity of the network credit APPs in the same local area network is larger than a preset early warning value, sending early warning to a network credit management platform to inform network credit management personnel of the risk.
Further, the step S40 specifically includes,
and the network loan APP of the mobile equipment end which is on line receives the udp data packet, judges whether the data meets the agreement requirements of both parties or not through the prefix of the udp data packet, and reports the udp data packet to the background server if the data meets the agreement requirements of both parties.
Further, the udp packet includes an identifier of one byte, a packet type of one byte, and data information of two bytes.
Further, the data information includes a mobile phone number, an MAC address of the wifi currently connected, a name of the wifi currently connected, and a system type of the mobile device currently connected.
Further, the IP address of the local area network multicast network is: 224.0.0.1, port 9527, packet prefix 0x01, data request code 0x11, data response code 0x22, the maximum number of search devices is limited to within 50.
The invention also provides a group cheating loan early warning device, which comprises,
the APP starting module is used for starting an equipment scanning service when a network credit APP of the mobile equipment terminal is started;
the multicast network creating module is used for creating a local area network multicast network by the equipment scanning service;
the udp data packet sending module is used for sending the udp data packet to the local area network multicast network when a network credit APP of a new mobile equipment end is started in the local area network;
the udp data packet reporting module is used for receiving the udp data packet by the network credit APP of the online mobile equipment terminal and reporting the udp data packet to the background server;
the udp data packet counting module is used for counting the online number of the APP credited in the same local area network according to the received udp data packet by the background server;
and the risk early warning module is used for sending early warning to the network credit management platform when the online quantity of the network credit APPs in the same local area network is greater than a preset early warning value so as to inform the network credit management personnel of the risk.
Further, the udp packet reporting module is specifically configured to,
and the network loan APP of the mobile equipment end which is on line receives the udp data packet, judges whether the data meets the agreement requirements of both parties or not through the prefix of the udp data packet, and reports the udp data packet to the background server if the data meets the agreement requirements of both parties.
Further, the udp packet includes an identifier of one byte, a packet type of one byte, and data information of two bytes.
Further, the data information includes a mobile phone number, an MAC address of the wifi currently connected, a name of the wifi currently connected, and a system type of the mobile device currently connected.
Further, the IP address of the local area network multicast network is: 224.0.0.1, port 9527, packet prefix 0x01, data request code 0x11, data response code 0x22, the maximum number of search devices is limited to within 50.
The invention has the beneficial effects that: the WIFI is utilized to establish a local area network multicast network, so that data sharing between mobile equipment ends is realized; when a new network credit APP of the mobile equipment end is started in the local area network, sending a udp data packet to the local area network multicast network, receiving the udp data packet by the network credit APP of the mobile equipment end which is on line, reporting the udp data packet to a background server, counting the on-line quantity of the network credit APPs according to the quantity of the udp data packets by the background server, and sending an early warning to a network credit management platform when the on-line quantity of the network credit APPs is greater than a preset early warning value so as to inform the risk of a network credit manager and reduce the loss of the network credit platform; the situation that the user manually modifies the MAC address or modifies some mobile phone information to carry out team credit swiping in the same place is avoided.
Drawings
The following detailed description of the invention refers to the accompanying drawings.
FIG. 1 is a flow chart of a group cheating loan early warning method according to an embodiment of the present invention;
FIG. 2 is a block diagram of a group cheating loan early warning device according to an embodiment of the present invention;
FIG. 3 is a schematic block diagram of a computer apparatus of an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. 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 invention.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As shown in fig. 1, the first embodiment of the present invention is: a group cheat loan early warning method comprises the following steps,
s10, when a network credit APP of the mobile equipment end is started, starting equipment scanning service;
s20, the equipment scanning service creates a local area network multicast network; the IP address of the local area network multicast network is as follows: 224.0.0.1, port 9527, packet prefix 0x01, data request code 0x11, data response code 0x22, the maximum number of search devices is limited to within 50.
S30, when a network credit APP of a new mobile equipment end is started in the local area network, sending a udp data packet to the local area network multicast network; the udp data packet comprises an identifier of one byte, a message type of one byte and data information of two bytes; the data information comprises a mobile phone number, an MAC address of the current wifi, a name of the current wifi and a system type of the current mobile equipment.
S40, the network credit APP of the mobile equipment end which is on line receives the udp data packet, and reports the udp data packet to the background server;
s50, the background server calculates the online quantity of the APP credited in the same local area network according to the received udp data packet;
and S60, when the online quantity of the network credit APPs in the same local area network is larger than a preset early warning value, sending early warning to a network credit management platform to inform network credit management personnel of the risk.
In an embodiment, the step S40 specifically includes,
and the network loan APP of the mobile equipment end which is on line receives the udp data packet, judges whether the data meets the agreement requirements of both parties or not through the prefix of the udp data packet, and reports the udp data packet to the background server if the data meets the agreement requirements of both parties.
The beneficial effect of this embodiment lies in: because a main characteristic of group loan swiping is that a loan application is submitted in batch through a network loan APP by using a mobile equipment end in the same place, and because of auditing network loan, small internet loan is generally judged and audited automatically by a system, but group loan swiping has a relatively large probability of cheating system audit and cheating loan, and the embodiment uses WIFI connected with the mobile equipment end to establish a local area network multicast network, thereby realizing data sharing between the mobile equipment ends; when a new network loan APP of a mobile equipment end in a local area network is started, sending a udp data packet to a local area network multicast network, receiving the udp data packet by the network loan APP of the mobile equipment end which is on line, reporting the udp data packet to a background server, counting the on-line quantity of the network loan APP by the background server according to the quantity of the udp data packet, sending an early warning to a network loan management platform when the on-line quantity of the network loan APP is greater than a preset early warning value so as to inform the network loan management personnel of the risk, and manually auditing the batch of loans at the moment so as to prevent a user from applying for cheating loans in batch and reduce the loss of the network loan platform; the situation that the user manually modifies the MAC address or modifies some mobile phone information to carry out team credit swiping in the same place is avoided.
As shown in fig. 2, the second embodiment of the present invention is: a group cheat loan early warning device comprises,
the APP starting module 10 is used for starting an equipment scanning service when a network credit APP at a mobile equipment end is started;
a multicast network creation module 20, configured to create a local area network multicast network for the device scanning service; the IP address of the local area network multicast network is as follows: 224.0.0.1, port 9527, packet prefix 0x01, data request code 0x11, data response code 0x22, the maximum number of search devices is limited to within 50.
The udp data packet sending module 30 is configured to send an udp data packet to the lan multicast network when a network credit APP of a new mobile device is started in the lan; the udp data packet comprises an identifier of one byte, a message type of one byte and data information of two bytes; the data information comprises a mobile phone number, an MAC address of the current wifi, a name of the current wifi and a system type of the current mobile equipment.
The udp data packet reporting module 40 is configured to receive an udp data packet by a network credit APP of the online mobile device, and report the udp data packet to a background server;
the udp data packet counting module 50 is configured to count, by the background server, the online number of APPs credited in the same local area network according to the received udp data packet;
and the risk early warning module 60 is used for sending early warning to the network credit management platform when the online quantity of the network credit APPs in the same local area network is greater than a preset early warning value so as to inform the network credit management personnel of the risk.
In an embodiment, the udp packet reporting module 40 is specifically configured to,
and the network loan APP of the mobile equipment end which is on line receives the udp data packet, judges whether the data meets the agreement requirements of both parties or not through the prefix of the udp data packet, and reports the udp data packet to the background server if the data meets the agreement requirements of both parties.
It should be noted that, as will be clear to those skilled in the art, the detailed implementation process of the group fraud loan early warning apparatus and each unit may refer to the corresponding description in the foregoing method embodiment, and for convenience and brevity of description, no further description is provided herein.
The group fraud early warning apparatus may be implemented in the form of a computer program that can be run on a computer device as shown in fig. 3.
Referring to fig. 3, fig. 3 is a schematic block diagram of a computer device according to an embodiment of the present application. The computer device 500 may be a terminal or a server, where the terminal may be an electronic device with a communication function, such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a personal digital assistant, and a wearable device. The server may be an independent server or a server cluster composed of a plurality of servers.
Referring to fig. 3, the computer device 500 includes a processor 502, memory, and a network interface 505 connected by a system bus 501, where the memory may include a non-volatile storage medium 503 and an internal memory 504.
The non-volatile storage medium 503 may store an operating system 5031 and a computer program 5032. The computer programs 5032 include program instructions that, when executed, cause the processor 502 to perform a group fraud early warning method.
The processor 502 is used to provide computing and control capabilities to support the operation of the overall computer device 500.
The internal memory 504 provides an environment for the operation of the computer program 5032 in the non-volatile storage medium 503, and when executed by the processor 502, the computer program 5032 causes the processor 502 to perform a group fraud warning method.
The network interface 505 is used for network communication with other devices. Those skilled in the art will appreciate that the configuration shown in fig. 3 is a block diagram of only a portion of the configuration associated with the present application and does not constitute a limitation of the computer device 500 to which the present application may be applied, and that a particular computer device 500 may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
The processor 502 is configured to run a computer program 5032 stored in the memory to implement the group fraud early warning method as described above.
It should be understood that in the embodiment of the present Application, the Processor 502 may be a Central Processing Unit (CPU), and the Processor 502 may also be other general-purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. Wherein a general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
It will be understood by those skilled in the art that all or part of the flow of the method implementing the above embodiments may be implemented by a computer program instructing associated hardware. The computer program includes program instructions, and the computer program may be stored in a storage medium, which is a computer-readable storage medium. The program instructions are executed by at least one processor in the computer system to implement the flow steps of the embodiments of the method described above.
Accordingly, the present invention also provides a storage medium. The storage medium may be a computer-readable storage medium. The storage medium stores a computer program, wherein the computer program comprises program instructions. The program instructions, when executed by the processor, cause the processor to perform the group fraud alert method as described above.
The storage medium may be a usb disk, a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, or an optical disk, which can store various computer readable storage media.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative. For example, the division of each unit is only one logic function division, and there may be another division manner in actual implementation. For example, various elements or components may be combined or may be integrated into another system, or some features may be omitted, or not implemented.
The steps in the method of the embodiment of the invention can be sequentially adjusted, combined and deleted according to actual needs. The units in the device of the embodiment of the invention can be merged, divided and deleted according to actual needs. In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a storage medium. Based on such understanding, the technical solution of the present invention essentially or partially contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a terminal, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention.
While the invention has been described with reference to specific embodiments, the invention is not limited thereto, and various equivalent modifications and substitutions can be easily made by those skilled in the art within the technical scope of the invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A group cheat loan early warning method is characterized in that: comprises the following steps of (a) carrying out,
s10, when a network credit APP of the mobile equipment end is started, starting equipment scanning service;
s20, the equipment scanning service creates a local area network multicast network;
s30, when a network credit APP of a new mobile equipment end is started in the local area network, sending a udp data packet to the local area network multicast network;
s40, the network credit APP of the mobile equipment end which is on line receives the udp data packet, and reports the udp data packet to the background server;
s50, the background server calculates the online quantity of the APP credited in the same local area network according to the received udp data packet;
and S60, when the online quantity of the network credit APPs in the same local area network is larger than a preset early warning value, sending early warning to a network credit management platform to inform network credit management personnel of the risk.
2. The group fraud credit warning method of claim 1, wherein: the step S40 specifically includes the steps of,
and the network loan APP of the mobile equipment end which is on line receives the udp data packet, judges whether the data meets the agreement requirements of both parties or not through the prefix of the udp data packet, and reports the udp data packet to the background server if the data meets the agreement requirements of both parties.
3. The group fraud credit warning method of claim 2, wherein: the udp packet includes an identifier of one byte, a packet type of one byte, and data information of two bytes.
4. The group fraud credit warning method of claim 3, wherein: the data information comprises a mobile phone number, an MAC address of the current wifi, a name of the current wifi and a system type of the current mobile equipment.
5. The group fraud credit warning method of claim 1, wherein: the IP address of the local area network multicast network is as follows: 224.0.0.1, port 9527, packet prefix 0x01, data request code 0x11, data response code 0x22, the maximum number of search devices is limited to within 50.
6. A group cheat loan early warning device is characterized in that: comprises the steps of (a) preparing a mixture of a plurality of raw materials,
the APP starting module is used for starting an equipment scanning service when a network credit APP of the mobile equipment terminal is started;
the multicast network creating module is used for creating a local area network multicast network by the equipment scanning service;
the udp data packet sending module is used for sending the udp data packet to the local area network multicast network when a network credit APP of a new mobile equipment end is started in the local area network;
the udp data packet reporting module is used for receiving the udp data packet by the network credit APP of the online mobile equipment terminal and reporting the udp data packet to the background server;
the udp data packet counting module is used for counting the online number of the APP credited in the same local area network according to the received udp data packet by the background server;
and the risk early warning module is used for sending early warning to the network credit management platform when the online quantity of the network credit APPs in the same local area network is greater than a preset early warning value so as to inform the network credit management personnel of the risk.
7. The group fraud credit warning apparatus of claim 6, wherein: the udp packet reporting module is specifically configured to,
and the network loan APP of the mobile equipment end which is on line receives the udp data packet, judges whether the data meets the agreement requirements of both parties or not through the prefix of the udp data packet, and reports the udp data packet to the background server if the data meets the agreement requirements of both parties.
8. The group fraud credit warning apparatus of claim 7, wherein: the udp packet includes an identifier of one byte, a packet type of one byte, and data information of two bytes.
9. The group fraud credit warning apparatus of claim 8, wherein: the data information comprises a mobile phone number, an MAC address of the current wifi, a name of the current wifi and a system type of the current mobile equipment.
10. The group fraud credit warning apparatus of claim 6, wherein: the IP address of the local area network multicast network is as follows: 224.0.0.1, port 9527, packet prefix 0x01, data request code 0x11, data response code 0x22, the maximum number of search devices is limited to within 50.
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Application publication date: 20201117 |