CN118172070A - Risk control system for mobile phone leasing service - Google Patents

Risk control system for mobile phone leasing service Download PDF

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CN118172070A
CN118172070A CN202410305215.8A CN202410305215A CN118172070A CN 118172070 A CN118172070 A CN 118172070A CN 202410305215 A CN202410305215 A CN 202410305215A CN 118172070 A CN118172070 A CN 118172070A
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risk
risk index
lease
leasing
user
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游俊辉
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Shenzhen Rent Enjoy Life Technology Co ltd
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Shenzhen Rent Enjoy Life Technology Co ltd
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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
    • G06Q30/00—Commerce
    • G06Q30/018—Certifying business or products
    • G06Q30/0185—Product, service or business identity fraud
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0645—Rental transactions; Leasing transactions

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Abstract

The invention relates to the technical field of financial risk control, in particular to a risk control system of a mobile phone leasing service, which comprises an information verification module, a risk assessment module and a database module, wherein the information verification module is used for verifying identity information of a user, the risk assessment module comprises a data acquisition unit and a risk index determination unit, the data acquisition unit is used for acquiring credit information of the user, the risk index determination unit is used for calculating a risk index of the user, the database module is used for storing a sensitive communication address and a sensitive keyword, the decision module comprises a leasing judgment unit and a risk control unit, the leasing judgment unit is used for determining whether a user leases or not and a leasing period, the risk control unit is used for acquiring a communication address corresponding to a browsing record in a preset period of the user, comparing the communication address with the sensitive communication address to mark the acquired communication address to terminate the leasing or correct the risk index, and adjusting the preset period according to the corrected risk index or redetermining the leasing period. The invention effectively reduces the risk of leasing the mobile phone.

Description

Risk control system for mobile phone leasing service
Technical Field
The invention relates to the technical field of financial risk control, in particular to a risk control system for a mobile phone leasing service.
Background
The new mobile phones are high in price and quick in updating iteration, the 'mobile phone leases' meet the demands of young people, new market economy trends are formed, and each network leasing platform is generated.
Chinese patent publication No.: CN109472626B discloses an intelligent financial risk control method and system for mobile phone leasing service, the method comprises: data cleaning and feature engineering are carried out on the data of the new orders and the historical orders, and basic features and graph model construction data of each order are obtained; constructing an abnormal graph by adopting graph model construction data of a historical order, and extracting graph characteristics; obtaining isomorphic diagrams from the heterogeneous diagrams, and obtaining diagram embedding characteristics; inputting the basic features, the graph features and the graph embedded features of the historical order into a depth factor decomposition machine model for training; placing the graph model construction data of the new order into the heterogram and extracting graph features and graph embedding features of the new order; three features of the new order are input into a depth factor decomposition machine model for detection, and if the output label is fraudulent, an alarm is sent out.
However, in the prior art, when a user applies for a mobile phone rental, whether the user passes the application is often judged through verification of user identity information, and the rental risk is not monitored in time in the use process of the renting mobile phone, so that the enterprise generates loss.
Disclosure of Invention
Therefore, the invention provides a risk control system for a mobile phone leasing service, which is used for solving the problem that in the prior art, leasing risks are not monitored in time in the use process of leasing mobile phones, so that enterprises generate losses.
In order to achieve the above object, the present invention provides a risk control system for a mobile phone leasing service, including:
the information verification module is used for verifying the identity information of the user;
The risk assessment module is connected with the information verification module and comprises a data acquisition unit and a risk index determination unit which are connected with each other;
the data acquisition unit is used for acquiring credit information of the user passing identity information verification, wherein the credit information comprises sesame credit values and performance records, and the performance records comprise the last month performance number and the last year overdue record number;
The risk index determining unit is used for calculating a risk index of the user according to the credit information;
The database module is used for storing the sensitive communication address and the sensitive keyword;
the decision module is respectively connected with the database module and the risk assessment module and comprises a lease decision unit and a risk control unit which are mutually connected;
The lease judging unit is used for determining whether lease is carried out according to the risk index, if yes, lease period is determined according to the risk index;
The risk control unit is used for acquiring communication addresses corresponding to browsing records in a preset period of a user, comparing the acquired communication addresses with the sensitive communication addresses to mark the acquired communication addresses, counting the number of the marked communication addresses to terminate leasing or correct the risk index, and adjusting the preset period of the browsing records of the user according to the comparison result of the corrected risk index and the risk index threshold value, or acquiring search keywords in the marked communication addresses to judge to terminate leasing or redetermine the leasing period.
Further, the risk index determination unit calculates a risk index of the user according to the following formula, and sets:
Wherein F is a risk index, A is a sesame credit score of a user, A0 is a preset sesame credit standard value, B is a latest month of the user, B0 is a preset number of times of expiration of the last year of the user, C0 is a preset number of times of expiration of the last year of the user.
Further, a risk index standard value is set in the lease determination unit, and the lease determination unit determines whether to lease or not and a lease period according to a comparison result of the risk index and the risk index standard value;
if the risk index is greater than or equal to a risk index standard value, the lease judging unit judges that the leasing is not leased;
If the risk index is smaller than the risk index standard value, the lease determination unit calculates lease determination parameters, and the lease determination unit is provided with a plurality of determination modes aiming at the lease based on the lease determination parameters, wherein the lease determined by each determination mode is different;
and the lease determining parameter is the difference value between the risk index and the risk index standard value.
Further, the risk control unit obtains the communication address corresponding to the browsing record in the preset period of the user, compares the obtained communication address with the sensitive communication address stored in the database module respectively, and marks the corresponding communication address if the similarity between the obtained communication address and any sensitive communication address is larger than a preset percentage.
Further, the risk control unit counts the number of communication addresses marked to determine whether to terminate leasing or correct the risk index;
If the number of the marked communication addresses is greater than or equal to a preset number threshold, the risk control unit judges that the risk of the user is high and terminates leasing;
If the number of the marked communication addresses is smaller than a preset number threshold, the risk control unit calculates the duty ratio of the marked communication addresses in the communication addresses corresponding to the browsing records in a preset period, and corrects the risk index according to the duty ratio.
Further, a preset duty ratio comparison value is set in the risk control unit, and the risk control unit selects a corresponding correction coefficient to correct the risk index according to the comparison result of the duty ratio and the preset duty ratio comparison value.
Further, a first risk index threshold value and a second risk index threshold value are preset in the risk control unit, and the risk control unit judges whether to terminate leasing according to a comparison result of the corrected risk index and the preset risk index threshold value;
If the corrected risk index is greater than or equal to the second risk index threshold, the risk control unit judges that the risk of the user is high and terminates leasing;
If the corrected risk index is greater than or equal to the first risk index threshold and smaller than the second risk index threshold, the risk control unit acquires the search keywords in the marked communication address to secondarily judge whether to terminate leasing;
If the corrected risk index is smaller than the first risk index threshold, the risk control unit calculates a preset period adjustment parameter according to the corrected risk index to adjust and acquire a preset period of the user browsing record.
Further, the risk control unit adjusts the preset period based on the preset period adjusting parameter, and the risk control unit is provided with a plurality of adjusting modes aiming at the preset period based on the preset period adjusting parameter, wherein the adjusting modes are different in adjusting amplitude of the preset period;
the preset period adjustment parameter is the difference value between the corrected risk index and the first risk index threshold value.
Further, under the condition that the search keywords in the marked communication address are acquired to secondarily judge whether to terminate leasing, the risk control unit respectively compares the acquired search keywords with the sensitive keywords stored in the database module to secondarily judge whether to terminate leasing;
if sensitive keywords exist in the search keywords, judging that the risk of the user is high, and ending leasing;
if no sensitive keyword exists in the search keywords, calculating a lease adjusting parameter according to the corrected risk index to adjust the lease, wherein the risk control unit is provided with a plurality of lease adjusting modes according to the lease adjusting parameter, and the lease adjusting modes have different lease adjusting amplitudes;
and the lease regulating parameter is the difference value between the corrected risk index and the second risk index threshold value.
Further, when calculating the similarity between the acquired communication address and the sensitive communication address, the risk control unit compares the acquired communication address with the characters of the sensitive communication address from left to right one by one, if the characters of the same position of the acquired communication address and the characters of the same position of the sensitive communication address are the same, marking is carried out, and the similarity between the acquired communication address and any sensitive communication address is the percentage of the marked characters in the corresponding acquired communication address.
Compared with the prior art, the method has the beneficial effects that the risk index of the user is calculated to evaluate the leasing risk of the user, the risk index is a characteristic parameter of the leasing risk of the user and is used for representing the leasing risk of the user, the risk index of the user is calculated according to the sesame credit score, the month and expiration number and the annual expiration record number, and the sesame credit score, the month and expiration number and the annual expiration record number are indexes for continuously reflecting the credit condition of the user for a long time, so that the leasing risk of the user can be objectively fed back through the three indexes.
Further, by calculating the risk index and presetting the risk index standard value, whether the mobile phone rents or not is determined according to the comparison result of the risk index and the risk index standard value, if the determined result is renting, the renting period is determined according to the risk index, so that the risk of mobile phone renting is reduced, and the possibility of loss of enterprises is reduced.
Further, the sensitive communication address is prestored in the database module, and the communication address corresponding to the browsing record of the user in the preset period is obtained in the process that the user uses the leased mobile phone, so that the use safety of the user is judged, and meanwhile, whether the leasing is stopped or the risk index is corrected is judged according to the number and the duty ratio of the marked communication addresses, so that the risk of leasing the mobile phone is further reduced, and the possibility of loss of enterprises is reduced.
Furthermore, the risk assessment frequency is improved for the user with the marked communication address by shortening the preset period for acquiring the user browsing record, the user can find out in time and terminate leasing in time when the user has high risk, so that the risk control efficiency is improved, the risk of leasing mobile phones is reduced, and the possibility of loss of enterprises is reduced.
Furthermore, the invention judges whether to terminate the leasing or not by searching the keywords for the second time, thereby improving the accuracy of risk control, and meanwhile, if judging that the leasing is not required to be terminated, the risk index is increased, and the leasing period is correspondingly reduced, so that the risk control efficiency is improved, the risk of leasing mobile phones is reduced, and the possibility of loss of enterprises is reduced.
Drawings
Fig. 1 is a block diagram of a risk control system for a mobile phone rental business according to an embodiment of the present invention;
FIG. 2 is a further block diagram of a risk control system for a mobile phone rental business according to an embodiment of the present invention;
FIG. 3 is a block diagram illustrating a risk assessment module in a risk control system for a mobile rental business according to an embodiment of the present invention;
Fig. 4 is a block diagram of a decision module in a risk control system for a mobile phone rental service according to an embodiment of the present invention.
Detailed Description
In order that the objects and advantages of the invention will become more apparent, the invention will be further described with reference to the following examples; it should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
Preferred embodiments of the present invention are described below with reference to the accompanying drawings. It should be understood by those skilled in the art that these embodiments are merely for explaining the technical principles of the present invention, and are not intended to limit the scope of the present invention.
It should be noted that, the data in this embodiment are obtained by comprehensively analyzing the historical regulation and control data and the corresponding data statistics in the risk control process of the last mobile phone leasing service according to the statistical result by the risk control system of the mobile phone leasing service; it can be understood by those skilled in the art that the risk control system for a mobile phone leasing service according to the present invention may select the value with the highest duty ratio as the preset standard parameter according to the data distribution in a determination manner of the parameter, so long as the condition that the present invention can clearly define different specific conditions in the single item determination process through the obtained value is satisfied.
Referring to fig. 1 to 4, the risk control system for a mobile phone leasing service according to the present invention includes:
the information verification module is used for verifying the identity information of the user;
The risk assessment module is connected with the information verification module and comprises a data acquisition unit and a risk index determination unit which are connected with each other;
the data acquisition unit is used for acquiring credit information of the user passing identity information verification, wherein the credit information comprises sesame credit values and performance records, and the performance records comprise the last month performance number and the last year overdue record number;
The risk index determining unit is used for calculating a risk index of the user according to the credit information;
The database module is used for storing the sensitive communication address and the sensitive keyword;
the decision module is respectively connected with the database module and the risk assessment module and comprises a lease decision unit and a risk control unit which are mutually connected;
The lease judging unit is used for determining whether lease is carried out according to the risk index, if yes, lease period is determined according to the risk index;
The risk control unit is used for acquiring communication addresses corresponding to browsing records in a preset period of a user, comparing the acquired communication addresses with the sensitive communication addresses to mark the acquired communication addresses, counting the number of the marked communication addresses to terminate leasing or correct the risk index, and adjusting the preset period of the browsing records of the user according to the comparison result of the corrected risk index and the risk index threshold value, or acquiring search keywords in the marked communication addresses to judge to terminate leasing or redetermine the leasing period.
In this embodiment, the authentication includes one or more of authentication of identification card information, authentication of face information of payment device, authentication of four elements of bank card, or other information that can be used for authentication, and the authentication of four elements of bank card includes, but is not limited to, a bank card number, a real name, an identification card number, and a bank reserved mobile phone number.
Specifically, the risk index determination unit calculates the risk index F of the user according to the following formula, and sets:
Wherein F is a risk index, A is a sesame credit score of a user, A0 is a preset sesame credit standard value, B is a latest month of the user, B0 is a preset number of times of expiration of the last year of the user, C0 is a preset number of times of expiration of the last year of the user.
According to the invention, the risk index of the user is calculated to evaluate the leasing risk of the user, wherein the risk index is a characteristic parameter of the leasing risk of the user and is used for representing the leasing risk of the user.
Specifically, a risk index standard value is set in the lease determination unit, and the lease determination unit determines whether to lease or not and a lease period according to a comparison result of the risk index and the risk index standard value;
if the risk index is greater than or equal to a risk index standard value, the lease judging unit judges that the leasing is not leased;
If the risk index is smaller than the risk index standard value, the lease determination unit calculates lease determination parameters, and the lease determination unit is provided with a plurality of determination modes aiming at the lease based on the lease determination parameters, wherein the lease determined by each determination mode is different;
and the lease determining parameter is the difference value between the risk index and the risk index standard value.
Specifically, a first preset lease comparison parameter and a second preset lease comparison parameter are set in the lease determination unit, the first preset lease comparison parameter is smaller than the second preset lease comparison parameter, and the lease determination unit is used for comparing the lease determination parameter with the first preset lease comparison parameter and the second preset lease comparison parameter respectively to determine the lease, wherein:
If the lease determining parameter is smaller than the first preset lease comparison parameter, the lease judging unit selects a first preset lease determining coefficient alpha 1 to determine the lease, and sets the lease M=M0×α1;
if the lease determining parameter is greater than or equal to the first preset lease comparing parameter and less than the second preset lease comparing parameter, the lease judging unit selects a second preset lease determining coefficient alpha 2 to determine the lease, and sets the lease M=M0×alpha 2;
If the lease determining parameter is greater than or equal to the second preset lease comparing parameter, the lease judging unit selects a third preset lease determining coefficient alpha 3 to determine the lease, and sets the lease M=M0×alpha 3;
Wherein, 0.8 < α1 < α2 < α3 < 1, preferably α3=0.95, α2=0.9, α1=0.85, M0 is a preset lease basic value, and M0 can be set and adjusted according to actual needs.
Specifically, when determining the standard value of the risk index, selecting a lease record for completing a mobile phone lease contract at least 1000 times, calculating a corresponding 1000 times of risk index, constructing a risk index data set, taking the risk index as a random variable, and subjecting the random variable to a probability density function, so that a normal distribution curve can be constructed according to the probability density function, determining a 95% confidence interval of the normal distribution curve, calculating the average value of the risk index in the 95% confidence interval as the standard value of the risk index, constructing the probability density function, and constructing the normal distribution curve based on the probability density function as a common technical means in statistics, which will not be repeated here.
It can be understood by those skilled in the art that when the first preset lease comparison parameter and the second preset lease comparison parameter are determined, a lease determination parameter data set is constructed by the same method, a normal distribution curve is constructed by taking the lease determination parameter as a random variable, the lease determination parameter corresponding to the midpoint of the interval of the 95% confidence interval is determined as the first preset lease comparison parameter, and the lease determination parameter corresponding to the lower limit of the interval of the 95% confidence interval is determined as the first preset lease comparison parameter.
It will be appreciated by those skilled in the art that in this embodiment, each preset comparison parameter may be obtained by the above-mentioned method of constructing a normal distribution curve.
According to the invention, by calculating the risk index and presetting the risk index standard value, whether the mobile phone rents or not is determined according to the comparison result of the risk index and the risk index standard value, if the determined result is renting, the renting period is determined according to the risk index, so that the risk of mobile phone renting is reduced, and the possibility of loss of enterprises is reduced.
Specifically, the risk control unit obtains the communication address corresponding to the browsing record in the preset period of the user, compares the obtained communication address with the sensitive communication address stored in the database module respectively, and marks the corresponding communication address if the similarity between the obtained communication address and any sensitive communication address is greater than a preset percentage.
In this embodiment, the preset percentage can be set according to actual needs, and is preferably 50% -80%.
Specifically, the risk control unit counts the number of communication addresses marked to determine whether to terminate leasing or correct the risk index;
If the number of the marked communication addresses is greater than or equal to a preset number threshold, the risk control unit judges that the risk of the user is high and terminates leasing;
If the number of the marked communication addresses is smaller than a preset number threshold, the risk control unit calculates the duty ratio of the marked communication addresses in the communication addresses corresponding to the browsing records in a preset period, and corrects the risk index according to the duty ratio.
In this embodiment, the preset number threshold corresponding to the number of the marked communication addresses may be set according to actual needs, and in this embodiment, the value of the preset number threshold is preferably 80-100.
Specifically, a preset duty ratio comparison value is set in the risk control unit, and the risk control unit selects a corresponding correction coefficient to correct the risk index according to the comparison result of the duty ratio and the preset duty ratio comparison value.
Specifically, a first preset duty ratio comparison value and a second preset duty ratio comparison value are set in the risk control unit, the first preset duty ratio comparison value is smaller than the second preset duty ratio comparison value, the risk control unit compares the duty ratio with the first preset duty ratio comparison value and the second preset duty ratio comparison value respectively to select corresponding correction coefficients to correct the risk index, wherein:
If the duty ratio is smaller than a first preset duty ratio comparison value, the risk control unit corrects the risk index by using a first risk index correction coefficient beta 1, and sets a corrected risk index F1=Fxβ1;
if the duty ratio is greater than or equal to the first preset duty ratio comparison value and less than the second preset duty ratio comparison value, the risk control unit corrects the risk index by using a second risk index correction coefficient beta 2, and the corrected risk index f1=f×β2 is set;
If the duty ratio is greater than or equal to a second preset duty ratio comparison value, the risk control unit corrects the risk index by using a third risk index correction coefficient beta 3, and sets a corrected risk index F1=Fxβ3;
wherein 1.1 < β1 < β2 < β3 < 1.4, preferably β3=1.35, β2=1.2, β1=1.15.
If the number of the marked communication addresses is 0, the risk index does not need to be corrected.
According to the invention, the sensitive communication address is prestored in the database module, and the communication address corresponding to the user browsing record in the preset period is acquired in the process that the user uses the leased mobile phone, so that the use safety of the user is judged, and meanwhile, whether the leasing is stopped or the risk index is corrected is judged according to the number and the duty ratio of the marked communication addresses, so that the risk of leasing the mobile phone is further reduced, and the possibility of loss of enterprises is reduced.
Specifically, a first risk index threshold value and a second risk index threshold value are preset in the risk control unit, and the risk control unit judges whether to terminate leasing according to a comparison result of the corrected risk index and the preset risk index threshold value;
If the corrected risk index is greater than or equal to the second risk index threshold, the risk control unit judges that the risk of the user is high and terminates leasing;
If the corrected risk index is greater than or equal to the first risk index threshold and smaller than the second risk index threshold, the risk control unit acquires the search keywords in the marked communication address to secondarily judge whether to terminate leasing;
If the corrected risk index is smaller than the first risk index threshold, the risk control unit calculates a preset period adjustment parameter according to the corrected risk index to adjust and acquire a preset period of the user browsing record.
The first risk index threshold is less than the second risk index threshold.
Specifically, the risk control unit adjusts the preset period based on the preset period adjusting parameter, and the risk control unit is provided with a plurality of adjusting modes aiming at the preset period based on the preset period adjusting parameter, wherein the adjusting modes are different in adjusting amplitude of the preset period;
the preset period adjustment parameter is the difference value between the corrected risk index and the first risk index threshold value.
Specifically, a first preset period comparison parameter and a second preset period comparison parameter are set in the risk control unit, the first preset period comparison parameter is smaller than the second preset period comparison parameter, and the risk control unit respectively compares the preset period adjustment parameter with the first preset period comparison parameter and the second preset period comparison parameter to adjust the preset period, wherein:
If the preset period adjustment parameter is smaller than the first preset period comparison parameter, the risk control unit adjusts and acquires a preset period of the user browsing record by using a first preset period adjustment coefficient e1, and the adjusted preset period M' =M0×e1 is set;
If the preset period adjustment parameter is greater than or equal to the first preset period comparison parameter and less than the second preset period comparison parameter, the risk control unit adjusts and acquires the preset period of the user browsing record by using a second preset period adjustment coefficient e2, and the adjusted preset period M' =M0×e2 is set;
if the preset period adjustment parameter is greater than or equal to the second preset period comparison parameter, the risk control unit selects a third preset period adjustment coefficient e3 to adjust and acquire a preset period of the user browsing record, and the adjusted preset period M' =m0×e3 is set;
Wherein 0.92 < e1 < e2 < e3 < 1, preferably e1=0.94, e2=0.96, e3=0.98, M0 is the initial preset period.
According to the risk assessment method and the risk assessment device, the preset period for acquiring the user browsing records is shortened, so that the risk assessment frequency is improved for the user with the marked communication address, the user can find out in time when the user has high risk, and lease is terminated in time, so that the risk control efficiency is improved, the risk of mobile phone lease is reduced, and the possibility of loss of enterprises is reduced.
Specifically, under the condition that search keywords in the marked communication address are acquired to secondarily judge whether to terminate leasing, the risk control unit respectively compares the acquired search keywords with sensitive keywords stored in the database module to secondarily judge whether to terminate leasing;
if sensitive keywords exist in the search keywords, judging that the risk of the user is high, and ending leasing;
if no sensitive keyword exists in the search keywords, calculating a lease adjusting parameter according to the corrected risk index to adjust the lease, wherein the risk control unit is provided with a plurality of lease adjusting modes according to the lease adjusting parameter, and the lease adjusting modes have different lease adjusting amplitudes;
and the lease regulating parameter is the difference value between the corrected risk index and the second risk index threshold value.
Specifically, a first preset lease adjusting parameter contrast value and a second preset lease adjusting parameter contrast value are set in the risk control unit, the first preset lease adjusting parameter contrast value is smaller than the second preset lease adjusting parameter contrast value, and the risk control unit respectively compares the lease adjusting parameter with the first preset lease adjusting parameter contrast value and the second preset lease adjusting parameter contrast value to adjust the lease, wherein:
If the lease adjusting parameter is smaller than a first preset lease adjusting parameter comparison value, the risk control unit selects a first preset lease adjusting coefficient gamma 1 to adjust the lease, and sets the adjusted lease M1=Mxgamma 1;
If the lease adjusting parameter is greater than or equal to the first preset lease adjusting parameter contrast value and less than the second preset lease adjusting parameter contrast value, the risk control unit adjusts the lease by using a second preset lease adjusting coefficient gamma 2, and the adjusted lease m1=mxgamma 2 is set;
If the lease adjusting parameter is greater than or equal to a second preset lease adjusting parameter comparison value, the risk control unit selects a third preset lease adjusting coefficient gamma 3 to adjust the lease, and the adjusted lease m1=mxgamma 3 is set;
Wherein 0.7 < γ1< γ2 < γ3 < 0.95, preferably γ1=0.76, γ2=0.84, γ3=0.92, m is a lease determined according to the risk index.
According to the invention, whether the lease is terminated is secondarily judged through the search keywords, so that the accuracy of risk control is improved, and meanwhile, if the lease is judged not to be terminated, the lease period is correspondingly reduced due to the increase of the risk index, so that the risk control efficiency is improved, the risk of mobile phone lease is reduced, and the possibility of loss of enterprises is reduced.
Specifically, when calculating the similarity between the acquired communication address and the sensitive communication address, the risk control unit compares the acquired communication address with the characters of the sensitive communication address from left to right one by one, if the characters of the same position of the acquired communication address and the characters of the same position of the sensitive communication address are the same, marking is performed, and the similarity between the acquired communication address and any sensitive communication address is the percentage of the marked characters in the corresponding acquired communication address.
Specifically, the risk control system for the mobile phone leasing service of the embodiment may further include a pre-notification module, where the risk control unit determines that the leasing is terminated, and sends the leasing terminating information to the user.
Thus far, the technical solution of the present invention has been described in connection with the preferred embodiments shown in the drawings, but it is easily understood by those skilled in the art that the scope of protection of the present invention is not limited to these specific embodiments. Equivalent modifications and substitutions for related technical features may be made by those skilled in the art without departing from the principles of the present invention, and such modifications and substitutions will be within the scope of the present invention.
The foregoing description is only of the preferred embodiments of the invention and is not intended to limit the invention; various modifications and variations of the present invention will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (10)

1. A risk control system for a cell phone rental business, comprising:
the information verification module is used for verifying the identity information of the user;
The risk assessment module is connected with the information verification module and comprises a data acquisition unit and a risk index determination unit which are connected with each other;
the data acquisition unit is used for acquiring credit information of the user passing identity information verification, wherein the credit information comprises sesame credit values and performance records, and the performance records comprise the last month performance number and the last year overdue record number;
The risk index determining unit is used for calculating a risk index of the user according to the credit information;
The database module is used for storing the sensitive communication address and the sensitive keyword;
the decision module is respectively connected with the database module and the risk assessment module and comprises a lease decision unit and a risk control unit which are mutually connected;
The lease judging unit is used for determining whether lease is carried out according to the risk index, if yes, lease period is determined according to the risk index;
The risk control unit is used for acquiring communication addresses corresponding to browsing records in a preset period of a user, comparing the acquired communication addresses with the sensitive communication addresses to mark the acquired communication addresses, counting the number of the marked communication addresses to terminate leasing or correct the risk index, and adjusting the preset period of the browsing records of the user according to the comparison result of the corrected risk index and the risk index threshold value, or acquiring search keywords in the marked communication addresses to judge to terminate leasing or redetermine the leasing period.
2. The risk control system of a mobile rental business according to claim 1, wherein the risk index determining unit calculates a risk index of a user according to the following formula, sets:
Wherein F is a risk index, A is a sesame credit score of a user, A0 is a preset sesame credit standard value, B is a latest month of the user, B0 is a preset number of times of expiration of the last year of the user, C0 is a preset number of times of expiration of the last year of the user.
3. The risk control system of a mobile phone leasing service according to claim 2, wherein a risk index standard value is set in the leasing judging unit, and the leasing judging unit determines whether to lease or not and a lease period according to a comparison result of the risk index and the risk index standard value;
if the risk index is greater than or equal to a risk index standard value, the lease judging unit judges that the leasing is not leased;
If the risk index is smaller than the risk index standard value, the lease determination unit calculates lease determination parameters, and the lease determination unit is provided with a plurality of determination modes aiming at the lease based on the lease determination parameters, wherein the lease determined by each determination mode is different;
And the lease determining parameter is the difference value between the risk index and the risk index standard value.
4. The risk control system of the mobile phone leasing service according to claim 3, wherein the risk control unit obtains a communication address corresponding to a browsing record in a preset period of a user, compares the obtained communication address with a sensitive communication address stored in the database module, and marks the corresponding communication address if the similarity between the obtained communication address and any sensitive communication address is greater than a preset percentage.
5. The risk control system of claim 4, wherein the risk control unit counts the number of communication addresses marked to determine whether to terminate leasing or correct the risk index;
If the number of the marked communication addresses is greater than or equal to a preset number threshold, the risk control unit judges that the risk of the user is high and terminates leasing;
If the number of the marked communication addresses is smaller than a preset number threshold, the risk control unit calculates the duty ratio of the marked communication addresses in the communication addresses corresponding to the browsing records in a preset period, and corrects the risk index according to the duty ratio.
6. The risk control system of the mobile phone leasing service according to claim 5, wherein a preset duty ratio comparison value is set in the risk control unit, and the risk control unit selects a corresponding correction coefficient according to the comparison result of the duty ratio and the preset duty ratio comparison value to correct the risk index.
7. The risk control system of the mobile phone leasing service according to claim 6, wherein a first risk index threshold and a second risk index threshold are preset in the risk control unit, and the risk control unit judges whether to terminate leasing according to a comparison result of the corrected risk index and the preset risk index threshold;
If the corrected risk index is greater than or equal to the second risk index threshold, the risk control unit judges that the risk of the user is high and terminates leasing;
If the corrected risk index is greater than or equal to the first risk index threshold and smaller than the second risk index threshold, the risk control unit acquires the search keywords in the marked communication address to secondarily judge whether to terminate leasing;
If the corrected risk index is smaller than the first risk index threshold, the risk control unit calculates a preset period adjustment parameter according to the corrected risk index to adjust and acquire a preset period of the user browsing record.
8. The risk control system of a mobile phone leasing service according to claim 7, wherein the risk control unit adjusts the preset period based on the preset period adjustment parameter, and the risk control unit is provided with a plurality of adjustment modes aiming at the preset period based on the preset period adjustment parameter, wherein the adjustment modes are different in adjustment amplitude of the preset period;
the preset period adjustment parameter is the difference value between the corrected risk index and the first risk index threshold value.
9. The risk control system of claim 7, wherein in case of acquiring a search keyword in a marked communication address to secondarily determine whether to terminate a rental, the risk control unit compares the acquired search keyword with sensitive keywords stored in the database module, respectively, to secondarily determine whether to terminate a rental;
if sensitive keywords exist in the search keywords, judging that the risk of the user is high, and ending leasing;
if no sensitive keyword exists in the search keywords, calculating a lease adjusting parameter according to the corrected risk index to adjust the lease, wherein the risk control unit is provided with a plurality of lease adjusting modes according to the lease adjusting parameter, and the lease adjusting modes have different lease adjusting amplitudes;
and the lease regulating parameter is the difference value between the corrected risk index and the second risk index threshold value.
10. The risk control system of claim 4, wherein the risk control unit compares the acquired communication address with the characters of the sensitive communication address from left to right one by one when calculating the similarity between the acquired communication address and the sensitive communication address, marks the acquired communication address if the characters of the same position of the acquired communication address and the sensitive communication address are the same, and the similarity between the acquired communication address and any sensitive communication address is the percentage of the marked characters in the corresponding acquired communication address.
CN202410305215.8A 2024-03-18 2024-03-18 Risk control system for mobile phone leasing service Pending CN118172070A (en)

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