Online credit checking method and device

Abstract

The invention discloses an online credit checking method and device, and belongs to the field of data processing. The online credit checking method and device are applied to user identity information and credit checking in the financial industry. The method comprises the steps that the user information of a user mobile terminal is acquired, wherein the user information comprises the position information, the contact person telephone number information, short messages and the communication number information; whether the user information is consistent with the information to be checked or not is judged, if yes, the information is endowed as a first variable, if not, the information is endowed as a second variable, and the probability of the first variable in a sample composed of the sum of the first variable and the second variable is calculated; whether the probability of the first variable is larger than a reference value or not is judged, and if yes, the information to be checked is the real information; similarly, whether the probability of the real information in the information submitted by a user in all the information is larger than a reference value or not is judged, and if yes, the credit conforms to the standard. By means of the online credit checking method and device, the accuracy of credit checking in a current credit checking system is effectively improved.

Description

technical field [0001] The invention relates to the field of data processing, in particular to an online credit checking method and device. Background technique [0002] With the development of social economy, some individuals have to borrow money from financial institutions to solve the problem of insufficient funds in order to make the normal operation of the project, which promotes the development of financial institutions' loan business and also increases the financial industry. The amount of credit review tasks. [0003] The current credit scoring system is mainly used in the review of user identity information and credit in the financial industry. The main evaluation method is to first obtain the user's basic information, and then review the authenticity of the user's basic information. If the user's basic information contains real information The probability of is greater than a certain value, then it is determined that the user's identity information is real informa...

AI Technical Summary

Problems solved by technology

[0004] The inventor found in the research that when the current credit scoring system used in the financial industry checks the authenticity of user identity information, such as whether the user's current residence information is correct, it is often confirmed through the certification documents submitted by the user, which is not only inefficient but also The accuracy is not high, and the authenticity of personal information cannot be better assessed

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