CN115049253A - Method and system for preventing and discovering campus credit occurrence - Google Patents
Method and system for preventing and discovering campus credit occurrence Download PDFInfo
- Publication number
- CN115049253A CN115049253A CN202210672445.9A CN202210672445A CN115049253A CN 115049253 A CN115049253 A CN 115049253A CN 202210672445 A CN202210672445 A CN 202210672445A CN 115049253 A CN115049253 A CN 115049253A
- Authority
- CN
- China
- Prior art keywords
- app
- unit
- campus
- credit
- loan
- 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 21
- 230000002265 prevention Effects 0.000 claims abstract description 17
- 238000012216 screening Methods 0.000 claims abstract description 15
- 238000012550 audit Methods 0.000 claims description 22
- 238000012545 processing Methods 0.000 claims description 12
- 210000000056 organ Anatomy 0.000 claims description 10
- 230000006399 behavior Effects 0.000 claims description 6
- 238000007789 sealing Methods 0.000 claims description 4
- 238000007689 inspection Methods 0.000 claims description 3
- 238000012795 verification Methods 0.000 claims description 3
- 230000001788 irregular Effects 0.000 description 8
- 230000009286 beneficial effect Effects 0.000 description 5
- 230000006378 damage Effects 0.000 description 5
- 238000012544 monitoring process Methods 0.000 description 4
- 206010010144 Completed suicide Diseases 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 230000001737 promoting effect Effects 0.000 description 2
- 230000007547 defect Effects 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000002349 favourable effect Effects 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003449 preventive 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/958—Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
-
- 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/18—Legal services
-
- 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/26—Government or public services
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Human Resources & Organizations (AREA)
- Theoretical Computer Science (AREA)
- Tourism & Hospitality (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Marketing (AREA)
- General Business, Economics & Management (AREA)
- General Health & Medical Sciences (AREA)
- Databases & Information Systems (AREA)
- Health & Medical Sciences (AREA)
- Primary Health Care (AREA)
- Development Economics (AREA)
- Educational Administration (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Operations Research (AREA)
- Quality & Reliability (AREA)
- Technology Law (AREA)
- Data Mining & Analysis (AREA)
- General Engineering & Computer Science (AREA)
- Alarm Systems (AREA)
Abstract
The invention discloses a method and a system for preventing and discovering campus credit occurrence, and relates to the technical field of campus credit prevention and control, in particular to a crowd side and a institution intervention unit, wherein the crowd side is connected with a campus credit APP check webpage, a law check unit is connected with a manual intervention unit, a user screening unit is connected with an information notification unit, an APP background data unit is also connected with an APP supervision unit, the APP supervision unit is connected with an aperiodic check unit, and the institution intervention unit is respectively connected with the aperiodic check unit and the APP background data unit. According to the method and the system for preventing and discovering the campus credit occurrence, the data in the APP background data unit can be detected through the manual intervention unit, student users are screened out based on the user screening unit, and the information notification unit notifies a student guardian in a telephone or short message mode, so that the campus credit can be discovered timely, and the students can be prevented from walking on an extreme road.
Description
Technical Field
The invention relates to the technical field of campus credit prevention and control, in particular to a method and a system for preventing and finding campus credit.
Background
The campus loan is the behavior of borrowing money from school students to various borrowing platforms, wherein the online loan is the most frequent, the online loan can be easily applied for loan only by submitting data on the school students through an APP network and paying a certain commission fee after auditing, but the school students are forced by the fact that loan and interest cannot be obtained due to weak economic sources, and the loan is spread by lenders and the reputation threat is damaged, so that great harm is caused to the school students.
The existing campus loan APP types are diversified, wherein bad campus loan APPs cannot be effectively supervised, and students cannot timely find that borrowing is carried out through the campus loan APPs, so that extreme phenomena such as student dropping and suicide occur after the students cannot repay, and healthy growth of the students is not facilitated.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a method and a system for preventing and discovering campus lending, which solve the problems that the conventional campus lending APP patterns proposed in the background technology are endless, the campus lending APP mixed with bad campus lending APP cannot be effectively supervised, students cannot timely borrow the campus lending APP, extreme phenomena such as losing check, suicide and the like occur after the school students cannot repay, and healthy growth of the students is not facilitated.
In order to achieve the purpose, the invention is realized by the following technical scheme: a system for preventing and discovering campus credit occurrence comprises a crowd terminal and a institution intervention unit, wherein the crowd terminal is connected with a campus credit APP check webpage, and the campus loan APP check webpage is connected with a law checking unit which is connected with a manual intervention unit, and the manual intervention unit is connected with an APP background data unit which is connected with a user screening unit, the user screening unit is connected with the information notification unit, the law auditing unit and the manual intervention unit are also connected with the processing notification unit, the APP background data unit is also connected with an APP supervision unit which is connected with the aperiodic check unit, the organ intervention unit is respectively connected with the aperiodic check unit and the APP background data unit, the masses end and the campus credit APP check webpage are also connected with the campus credit prevention propaganda unit.
Optionally, the crowd end is a crowd including people of all walks of life, and the crowd end is in wireless network connection with the campus credit APP check webpage through internet access equipment.
Optionally, the function of the campus loan APP check webpage is to collect the basic information of the campus loan APP uploaded by the masses, and the basic information includes the APP's own picture style, APP name and this APP loan protocol information.
Optionally, the law auditing unit compares the loan agreement of the APP with the national law as a comparison sample to detect whether illegal and illegal terms exist.
Optionally, the manual intervention unit is used for manually intervened in the campus loan APP software by a worker to deeply know whether a loan trap exists or not.
Optionally, the APP background data unit includes user basic information of the APP and a loan agreement signed by the user, where the user basic information includes user name, gender, age and occupation, and the loan agreement includes loan amount, repayment time and repayment interest rate.
Optionally, the user screening unit classifies the students and social people differently according to the ages and occupations of the users.
Optionally, the organ intervention unit includes a people judicial organ, a national financial supervision organ and an APP download propaganda platform.
A method for using a system for preventing and discovering campus credit occurrence comprises the following operation steps:
s1, uploading the basic information of the campus credit APP to a campus credit APP check webpage through various internet access devices by the masses;
s2, auditing the campus credit APP by a legal auditing unit by taking national laws as a reference;
s3, under the condition that the audit is correct, the campus loan APP software is manually intervened by a manual intervention unit for deep understanding;
s4, the manual intervention unit deeply understands the campus loan APP and detects the APP background data unit, the user screening unit screens out student users, and the information notification unit notifies the screened student users to a guardian so as to find and process in time;
s5, notifying the student user of the student guardian in a telephone or short message mode through an information notification unit;
s6, sending the audit result to the masses through the processing notification unit under the condition of no error of audit, namely no violation, and adding the campus credit APP to be checked into the APP supervision unit to realize supervision;
s7, under the condition of problem based on examination, namely illegal violation or loan trap arrangement, the agency intervention unit intervenes to seal and check the campus loan APP, and meanwhile, the APP is placed on and off the shelf of the downloading platform and the processing result is sent back to the masses;
s8, performing irregular audit on the background data of the APP software in the APP supervision unit through an irregular audit unit, and performing intervention and sealing audit on the APP with illegal behaviors by an organ intervention unit;
and S9, periodically promoting the campus credit prevention information in the campus credit APP check webpage and the crowd side through the campus credit prevention propaganda unit.
The invention provides a method and a system for preventing and discovering campus credit, which have the following beneficial effects:
1. according to the method and the system for preventing and discovering the campus credit occurrence, the crowd end is people including all walks of life, countless campus credit APPs on the market are uploaded to the campus credit APP check webpage for check by the strength of the people, and the method and the system are favorable for greatly improving the search monitoring range and the monitoring quality of the campus credit APPs.
2. According to the method and the system for preventing and discovering the campus credit occurrence, the law auditing unit and the manual intervention unit are matched to realize man-machine interaction, whether the APP has illegal terms can be audited, whether the APP has the loan trap can be detected, the APP is brought into the APP supervision unit or directly delivered to the office intervention unit to carry out sealing inspection and off-shelf on the APP based on the detection result, and the situation that the bad APP continuously damages benefits of other people is favorably avoided.
3. According to the method and the system for preventing and discovering the campus credit occurrence, the data in the APP background data unit can be detected through the manual intervention unit, student users are screened out based on the user screening unit, and the information notification unit notifies a student guardian in a telephone or short message mode, so that the campus credit can be discovered timely, and the students can be prevented from walking on an extreme road.
4. The method and the system for preventing and finding the campus credit occurrence add the campus credit APP to be checked into the APP supervision unit to realize supervision under the condition of error checking, namely, under the condition of no violation, and carry out unscheduled checking through the unscheduled checking unit, intervene and check the campus credit APP by the agency intervention unit for the APP with violation behaviors, thereby being beneficial to preventing the APP from being changed midway to damage the interests of others.
5. According to the method and the system for preventing and discovering the campus credit occurrence, the campus credit prevention propaganda unit periodically promotes the relevant content of the campus credit to the campus credit APP check-out webpage and the masses end in a short message and information recommendation mode so as to enhance the understanding and harmfulness of the masses to the campus credit and be beneficial to playing a prevention role.
Drawings
FIG. 1 is a schematic overall flow diagram of the present invention;
fig. 2 is a schematic diagram of a connection flow of an APP background data unit and an APP supervisory unit according to the present invention.
In the figure: 1. a people end; 2. a campus loan APP check web page; 3. a legal auditing unit; 4. a manual intervention unit; 5. an APP background data unit; 6. a user discriminating unit; 7. an information notification unit; 8. a processing notification unit; 9. an APP supervision unit; 10. an aperiodic check unit; 11. a organ intervention unit; 12. campus credit prevention propaganda unit.
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 only a part of the embodiments of the present invention, and not all of the embodiments.
In the description of the present invention, "a plurality" means two or more unless otherwise specified; the terms "upper", "lower", "left", "right", "inner", "outer", "front", "rear", "head", "tail", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, are only for convenience in describing and simplifying the description, and do not indicate or imply that the device or element referred to must have a particular orientation, be constructed in a particular orientation, and be operated, and thus, should not be construed as limiting the invention. Furthermore, the terms "first," "second," "third," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
In the description of the present invention, it should be noted that, unless explicitly stated or limited otherwise, the terms "connected" and "connected" are to be interpreted broadly, e.g., as being fixed or detachable or integrally connected; can be mechanically or electrically connected; may be directly connected or indirectly connected through an intermediate. The specific meanings of the above terms in the present invention can be understood in specific cases to those skilled in the art.
Referring to fig. 1 to 2, the present invention provides a technical solution: a system for preventing and discovering campus credit occurrence comprises a mass end 1 and an institution intervention unit 11, wherein the mass end 1 is connected with a campus credit APP check-out webpage 2, the campus loan APP check webpage 2 is connected with a law checking unit 3, the law checking unit 3 is connected with a manual intervention unit 4, the manual intervention unit 4 is connected with the APP background data unit 5, the APP background data unit 5 is connected with the user screening unit 6, the user screening unit 6 is connected with the information notification unit 7, the law auditing unit 3 and the manual intervention unit 4 are also connected with the processing notification unit 8, and APP backstage data unit 5 still is connected with APP supervision unit 9, and APP supervision unit 9 is connected with aperiodic check unit 10, and organ intervention unit 11 is connected with aperiodic check unit 10, APP backstage data unit 5 respectively, and masses' end 1, campus loan APP examine and ask webpage 2 still to be connected with campus loan prevention propaganda unit 12.
The crowd end 1 is a crowd including people of all walks of life, the crowd end 1 is in wireless network connection with the campus credit APP check webpage 2 through internet equipment, the crowd end 1 is a crowd including people of all walks of life, and the crowd end uploads the countless campus credit APP on the market to the campus credit APP check webpage 2 for inspection by the self-generated force of the people, so that the search monitoring range of the campus credit APP and the monitoring quality of the campus credit APP are greatly improved;
the campus loan APP check-out webpage 2 has the function of collecting basic information of the campus loan APP uploaded by a crowd terminal 1, wherein the basic information comprises an APP picture pattern, an APP name and the APP loan protocol information, and by collecting the APP picture pattern, the APP name and the APP loan protocol information, workers can conveniently and accurately find the corresponding APP in a downloading platform and conveniently check the APP;
the law auditing unit 3 compares the loan agreement of the APP by taking the national law as a comparison sample, detects whether illegal and illegal terms exist, and the national law adopts the twenty-sixth provision of a plurality of problems of applicable laws of the highest national court on the trial and administration folk loan case: the interest rate agreed by the lender does not exceed 24% of the annual interest rate, the lender requests the borrower to pay interest according to the agreed interest rate, the national court should support, the interest rate agreed by the lender exceeds 36% of the annual interest rate, the agreement on excess part of interest is invalid, the borrower requests the lender to return the paid interest rate of which the part exceeds 36% of the annual interest rate, the national court should support, the nineteenth and sixth items of the treaty law: the borrowing contract is a contract that a borrower borrows money from the borrower, returns the borrowed money due and pays interest, and the second hundred and fourteen contract law: the loan interest rate of a financial institution handling loan business is determined according to the upper and lower limits of the loan interest rate specified by the Chinese people's bank, whether the APP is legal in compliance or not can be preliminarily judged by auditing the loan agreement of the APP, the APP can be quickly audited by comparing the APP with laws, and the auditing process is simple and can be replaced by a program to improve the auditing efficiency;
the manual intervention unit 4 is used for manually intervened in campus loan APP software by workers to deeply know whether loan traps exist or not, the manual intervention unit 4 is used for manually deeply knowing the APP, and whether the loan traps exist in the APP can be judged through the experience of the workers, so that the bad APPs can be prevented from passing examination, and the property safety of people can be guaranteed;
the APP background data unit 5 comprises user basic information of the APP and a loan agreement signed by the user, wherein the user basic information comprises user name, gender, age and occupation, the loan agreement comprises loan amount, repayment time and repayment interest rate, the user screening unit 6 classifies students and social people differently through the user age and occupation, the data in the APP background data unit 5 can be detected through the manual intervention unit 4, the student users are screened out based on the user screening unit 6, and the student guardian is notified through the information notification unit 7 in a telephone or short message mode, so that the effect of finding out the students using campus loans in time is achieved, and the students are prevented from walking on extreme roads;
the institution intervention unit 11 comprises a civil judicial institution, a national financial supervision institution and an APP download propaganda platform, and related contents of campus credits are popularized to a campus credit APP check-out webpage 2 and a crowd terminal 1 by the campus credit prevention propaganda unit 12 in a short message and information recommendation mode periodically so as to enhance the understanding degree and the harmfulness of people to the campus credits and be beneficial to playing a prevention role;
under the condition that the audit is correct, namely, the campus credit APP to be checked is added into the APP supervision unit 9 to realize supervision under the condition that illegal violation does not exist, the irregular audit is carried out through the irregular verification unit 10, the campus credit APP is subjected to intervention and check through the agency intervention unit 11 for the APP with illegal violation, and the campus credit APP is favorably prevented from being transformed midway to damage interests of others.
The use method of the system for preventing and discovering campus credit occurrence comprises the following operation steps:
s1, the masses 1 uploads the basic information of the campus credit APP to a campus credit APP check webpage 2 through various internet access devices;
s2, verifying campus loan APP by a law verification unit 3 with national laws as a reference;
s3, under the condition that the audit is correct, the campus loan APP software is manually intervened by the manual intervention unit 4 for deep understanding;
s4, the manual intervention unit 4 deeply understands the campus loan APP and simultaneously detects the APP background data unit 5, the user screening unit 6 screens out student users, and the information notification unit 7 notifies the screened student users to a guardian so as to find and process in time;
s5, notifying the student user to the student guardian by telephone or short message through the information notification unit 7;
s6, sending the auditing result back to the crowd end 1 through the processing notification unit 8 under the condition of no error based on auditing, namely no violation, and adding the campus credit APP to be checked into the APP supervision unit 9 to realize supervision;
s7, based on the condition that the audit is problematic, namely illegal violation or loan traps are arranged, the institution intervention unit 11 intervenes to check the campus loan APP, and meanwhile, the APP is placed on and off the shelf of the downloading platform and sends the processing result back to the masses end 1;
s8, performing irregular audit on the background data of the APP software in the APP supervision unit 9 through the irregular audit unit 10, and performing intervention and sealing audit on the campus loan APP of the APP with illegal behaviors through the agency intervention unit 11;
and S9, periodically promoting the campus credit prevention information in the campus credit APP check-out webpage 2 and the crowd terminal 1 through the campus credit prevention propaganda unit 12.
In summary, the method and system for preventing and discovering campus credit occurrence are characterized in that when in use, the crowd terminal 1 uploads the basic information of the campus credit APP to the campus credit APP check web page 2 through various internet access devices, the campus credit APP basic information is compared and checked by the law check unit 3 based on the national law, then the manual intervention unit 4 deeply understands the campus credit APP and detects the APP background data unit 5 to judge whether a credit trap exists or not through the experience of staff, the user screening unit 6 screens out student users, then the check result is sent back to the crowd terminal 1 through the processing notification unit 8 under the condition of no violation of law based on check, the campus credit APP sent to the APP supervision unit 9 is added to realize supervision, and the APP with problem, namely the APP with the credit trap or violation of law, is checked, the campus credit APP is intervened and checked by an agency intervention unit 11, meanwhile, the APP is placed on and off the shelf on a downloading platform, a processing result is sent back to a crowd terminal 1, background data of APP software in an APP supervision unit 9 is subjected to irregular checking through an irregular checking unit 10, the campus credit APP is intervened and checked by the agency intervention unit 11 for the APP with illegal behaviors, accordingly, the APP is prevented from being changed midway to harm the benefits of other people, then, screened student users are notified to a student guardian through an information notification unit 7 in a telephone or short message mode, so that the campus credit application function of the students can be found timely, the students are prevented from walking on an extreme road, finally, related contents of the campus credit are popularized to a campus credit APP check webpage 2 and the crowd terminal 1 through a campus credit prevention propaganda unit 12 in a regular short message and information recommendation mode, and understanding and harmfulness of people to the campus credit are enhanced, thereby being beneficial to playing a preventive role.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be able to cover the technical scope of the present invention and the equivalent alternatives or modifications according to the technical solution and the inventive concept of the present invention within the technical scope of the present invention.
Claims (9)
1. A system for preventing and discovering campus credit occurrence comprises a crowd side (1) and a government intervention unit (11), and is characterized in that: masses' end (1) is connected with campus credit APP examine and evaluate webpage (2), and campus credit APP examine and evaluate webpage (2) and be connected with law audit unit (3), law audit unit (3) are connected with manual intervention unit (4), and manual intervention unit (4) are connected with APP backstage data unit (5), APP backstage data unit (5) are discriminated unit (6) with the user and are connected, unit (6) are discriminated to the user and are connected with information notification unit (7), law audit unit (3), manual intervention unit (4) still are connected with processing notification unit (8), and APP backstage data unit (5) still are connected with APP supervision unit (9), APP supervision unit (9) are connected with aperiodic audit unit (10), office intervention unit (11) respectively with aperiodic audit unit (10), The APP system comprises an APP background data unit (5) and a crowd end (1), and a campus credit APP check webpage (2) which is connected with a campus credit prevention propaganda unit (12).
2. The system for preventing and discovering campus credit occurrences as claimed in claim 1, wherein: the system is characterized in that the crowd end (1) is a people including all walks of life, and the crowd end (1) is in wireless network connection with the campus loan APP check webpage (2) through internet access equipment.
3. The system for preventing and discovering campus credit occurrences as claimed in claim 1, wherein: the campus loan APP check webpage (2) has the function of collecting basic information of the campus loan APP uploaded by the crowd terminal (1), and the basic information comprises an APP picture style, an APP name and the APP loan agreement information.
4. A system for preventing and discovering the occurrence of campus credits according to any one of claims 1-3, wherein: and the law auditing unit (3) compares the loan agreement of the APP by taking the national law as a comparison sample, and detects whether illegal and illegal terms exist.
5. The system for preventing and discovering campus credit occurrences as claimed in claim 1, wherein: the manual intervention unit (4) adopts workers to intervene in campus loan APP software to deeply know whether loan traps exist or not.
6. The system for preventing and discovering campus credit occurrences as claimed in claim 1, wherein: the APP background data unit (5) comprises APP user basic information and a loan agreement signed by a user, wherein the user basic information comprises user name, gender, age and occupation, and the loan agreement comprises loan amount, repayment time and repayment interest rate.
7. The system for preventing and discovering campus credit occurrences as recited in claim 1, wherein: the user screening unit (6) classifies students and social people differently according to the ages and occupations of users.
8. The system for preventing and discovering campus credit occurrences as recited in claim 1, wherein: the organ intervention unit (11) comprises a people judicial organ, a national financial supervision organ and an APP download propaganda platform.
9. The method of using a system for preventing and discovering the occurrence of campus credits according to any one of claims 1-8, wherein: the method comprises the following operation steps:
s1, the masses (1) uploads the basic information of the campus credit APP to a campus credit APP check webpage (2) through various internet access devices;
s2, verifying the campus credit APP by a law verification unit (3) with national laws as a reference;
s3, under the condition that the audit is correct, the campus loan APP software is manually intervened by the manual intervention unit (4) for deep understanding;
s4, the manual intervention unit (4) deeply understands the campus loan APP and detects the APP background data unit (5), the user screening unit (6) screens out student users, and the screened student users are notified to a guardian through the information notification unit (7) so as to be timely discovered and processed;
s5, informing the student user of the student guardian in a telephone or short message mode through the information informing unit (7);
s6, sending the auditing result back to the masses (1) through the processing notification unit (8) under the condition of no error based on auditing, namely under the condition of no violation, and adding the campus credit APP to be inspected into the APP supervision unit (9) to realize supervision;
s7, based on the condition that the audit is problematic, namely illegal violation or loan traps are arranged, a government intervention unit (11) intervenes to check the campus loan APP, and meanwhile, the APP is placed on and off the shelf on a downloading platform and sends the processing result back to the masses end (1);
s8, performing unscheduled audit on APP software background data in the APP supervision unit (9) through the unscheduled audit unit (10), and performing intervention and sealing inspection on the campus credit APP of the APP with illegal behaviors through the agency intervention unit (11);
s9, periodically popularizing the campus credit prevention information in the campus credit APP check webpage (2) and the crowd side (1) through the campus credit prevention propaganda unit (12).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210672445.9A CN115049253A (en) | 2022-06-14 | 2022-06-14 | Method and system for preventing and discovering campus credit occurrence |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210672445.9A CN115049253A (en) | 2022-06-14 | 2022-06-14 | Method and system for preventing and discovering campus credit occurrence |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115049253A true CN115049253A (en) | 2022-09-13 |
Family
ID=83162047
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210672445.9A Pending CN115049253A (en) | 2022-06-14 | 2022-06-14 | Method and system for preventing and discovering campus credit occurrence |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN115049253A (en) |
Citations (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103634283A (en) * | 2012-08-24 | 2014-03-12 | 腾讯科技（深圳）有限公司 | Feedback method of audit result and cloud server |
| CN105809535A (en) * | 2016-03-07 | 2016-07-27 | 浙江爱贷金融服务外包股份有限公司 | Credit risk control method and system |
| CN106776992A (en) * | 2016-12-06 | 2017-05-31 | 程在舒 | Personalized website links generation method and represents system |
| CN109711969A (en) * | 2018-08-17 | 2019-05-03 | 深圳壹账通智能科技有限公司 | Campus credit methods, device, equipment and storage medium based on data analysis |
| TW201928826A (en) * | 2017-12-26 | 2019-07-16 | 人因設計所股份有限公司 | Method of controlling page information system capable of determining the credibility of reporting information |
| CN112163784A (en) * | 2020-10-20 | 2021-01-01 | 成都中科大旗软件股份有限公司 | Application software management method and system |
| CN112214418A (en) * | 2020-12-04 | 2021-01-12 | 支付宝(杭州)信息技术有限公司 | Application compliance detection method and device and electronic equipment |
| CN112995342A (en) * | 2021-04-22 | 2021-06-18 | 航天神舟智慧系统技术有限公司 | Report monitoring method and system based on public security intranet and intranet transmission |
| CN113486361A (en) * | 2021-07-27 | 2021-10-08 | 中国银行股份有限公司 | Block chain-based APP management system and method |
| CN113704102A (en) * | 2021-08-24 | 2021-11-26 | 国家计算机网络与信息安全管理中心 | Application compliance detection method, device, equipment and medium |
-
2022
- 2022-06-14 CN CN202210672445.9A patent/CN115049253A/en active Pending
Patent Citations (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103634283A (en) * | 2012-08-24 | 2014-03-12 | 腾讯科技（深圳）有限公司 | Feedback method of audit result and cloud server |
| CN105809535A (en) * | 2016-03-07 | 2016-07-27 | 浙江爱贷金融服务外包股份有限公司 | Credit risk control method and system |
| CN106776992A (en) * | 2016-12-06 | 2017-05-31 | 程在舒 | Personalized website links generation method and represents system |
| TW201928826A (en) * | 2017-12-26 | 2019-07-16 | 人因設計所股份有限公司 | Method of controlling page information system capable of determining the credibility of reporting information |
| CN109711969A (en) * | 2018-08-17 | 2019-05-03 | 深圳壹账通智能科技有限公司 | Campus credit methods, device, equipment and storage medium based on data analysis |
| CN112163784A (en) * | 2020-10-20 | 2021-01-01 | 成都中科大旗软件股份有限公司 | Application software management method and system |
| CN112214418A (en) * | 2020-12-04 | 2021-01-12 | 支付宝(杭州)信息技术有限公司 | Application compliance detection method and device and electronic equipment |
| CN112995342A (en) * | 2021-04-22 | 2021-06-18 | 航天神舟智慧系统技术有限公司 | Report monitoring method and system based on public security intranet and intranet transmission |
| CN113486361A (en) * | 2021-07-27 | 2021-10-08 | 中国银行股份有限公司 | Block chain-based APP management system and method |
| CN113704102A (en) * | 2021-08-24 | 2021-11-26 | 国家计算机网络与信息安全管理中心 | Application compliance detection method, device, equipment and medium |
Non-Patent Citations (2)
| Title |
|---|
| "中国银监会、教育部、人力资源社会保障部关于进一步加强校园贷规范管理工作的通知，https://www.gov.cn/xinwen/2017-06/28/content_5206540.htm", 28 June 2017 (2017-06-28), pages 1 - 2 * |
| 张宜阳;侯海薇;: "当前校园贷存在问题的治理对策――以大学生信誉担保类型为例", 科技创新与生产力, no. 07, 10 July 2017 (2017-07-10), pages 1 - 2 * |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108416664B (en) | Risk assessment method and system implementation based on consumption credit scene | |
| US7689503B2 (en) | Predatory lending detection system and method therefor | |
| CN109615524B (en) | Money laundering crime group partner identification method, money laundering crime group partner identification device, computer equipment and storage medium | |
| US7720751B2 (en) | System and method of continuous assurance for internal control | |
| CN110689438A (en) | Enterprise financial risk scoring method and device, computer equipment and storage medium | |
| CN110766541A (en) | Loan risk assessment method, loan risk assessment device, loan risk assessment equipment and computer-readable storage medium | |
| CN106789844B (en) | Malicious user identification method and device | |
| US20120150786A1 (en) | Multidimensional risk-based detection | |
| CN110223183A (en) | Intelligent safety device, method and system | |
| Woods et al. | Towards integrating insurance data into information security investment decision making | |
| CN106548342A (en) | A kind of credible equipment determines method and device | |
| CN109658256A (en) | Risk control method, device, equipment and readable storage medium storing program for executing | |
| CN111709603A (en) | Service request processing method, device and system based on wind control | |
| CN112365341A (en) | Credit agency anti-fraud method, apparatus, device and storage medium | |
| Wang et al. | Does AI-based credit scoring improve financial inclusion? Evidence from online payday lending | |
| CN109636565A (en) | Processing method, device, equipment and the computer readable storage medium of risk data | |
| CN104915600A (en) | Android application security risk evaluating method and device | |
| CN113673870B (en) | Enterprise data analysis method and related components | |
| CN114820169A (en) | Data service processing system and method for financial business | |
| CN115049253A (en) | Method and system for preventing and discovering campus credit occurrence | |
| CN111612366A (en) | Channel quality evaluation method and device, electronic equipment and storage medium | |
| CN116258501A (en) | Electronic transaction data online supervision system and method based on big data | |
| CN116934131A (en) | Enterprise operation condition assessment method, device and equipment | |
| CN114880369A (en) | Risk credit granting method and system based on weak data technology | |
| CN111882330A (en) | Financial fraud prevention analysis method, device, equipment and storage medium |
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 |