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Fraudulent application judging method and device, and fraudulent application information collection method and device

A determination method and technology of a determination device, applied in electrical components, transmission systems, etc., can solve the problems of user application fraud and the inability of lenders to judge.

Active Publication Date: 2016-09-07
UNION MOBILE PAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Lenders cannot judge whether the user has such application fraud at the application stage
If the stolen person has a good credit record, it may even be possible to lend money to the stolen person

Method used

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  • Fraudulent application judging method and device, and fraudulent application information collection method and device
  • Fraudulent application judging method and device, and fraudulent application information collection method and device
  • Fraudulent application judging method and device, and fraudulent application information collection method and device

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Embodiment Construction

[0067] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, rather than all embodiments . Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0068] When applying for a loan, the user needs to provide identity information and the corresponding terminal identification. Users who steal other people's identity information and apply for online loans will provide the lender with their own terminal identification because they do not know the terminal identification of the stolen user. Since one identity information can only be loaned once in a short period of time, in order to increase...

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Abstract

The invention relates to the technical field of electronic finance, and discloses a fraudulent application judging method and device, and a fraudulent application information collection method and device. The judging method comprises that a first server receives an application request of a user, wherein a first user identifier and a first terminal identifier are contained in the application request; the first server determines whether the first terminal identifier uniquely corresponds to the first user identifier or not from first comparison relationships between the terminal identifiers and user identifiers according to the first terminal identifier; and the first server refuses the application request if the first terminal identifier corresponds to more than one user identifier. The method and the device are used for determining the user with a fraudulent behavior in an application stage specific to the condition that the user steals the identity information of others when the application is carried out.

Description

technical field [0001] The invention relates to the technical field of electronic finance, in particular to a method and device for judging fraudulent applications and collecting information. Background technique [0002] The bank receives the user's loan application, and before granting the loan to the user, the bank needs to review the user's credit situation, mainly to check whether the user has application fraud or credit fraud. Among them, application fraud is to judge whether the applicant's information is true, whether the information provided is intentionally forged, and whether the daily behavior has fraudulent characteristics, etc. For application fraud, banks generally judge whether the user's application is authentic by authenticating the user's personal identity information and cross-validating different data sources for the same information. [0003] With the rise of Internet finance, online loans have also achieved vigorous development. Similar to traditional...

Claims

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Application Information

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IPC IPC(8): H04L29/06H04L29/08
CPCH04L63/0807H04L67/60
Inventor 唐翌飞陈瑛绮吴锋海赵晓庆
Owner UNION MOBILE PAY
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