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Data processing method, device and server

A data processing device and data processing technology, applied in the field of data processing, can solve the problems of inaccurateness, single risk assessment method, and great risk of online lending platform lending, and achieve the effect of reducing risks

Active Publication Date: 2019-07-16
SIMPLECREDIT MICRO LENDING CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the above-mentioned risk assessment method is relatively simple and not precise enough.
For example, if a user obtains the real information of other users through some channels and swipes orders on the online loan platform, it will be difficult for the online loan platform to judge whether the user has committed fraudulent behavior based on the information submitted by the user, so that the online loan platform will continue to lend money. there is a great risk

Method used

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  • Data processing method, device and server
  • Data processing method, device and server
  • Data processing method, device and server

Examples

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Embodiment Construction

[0021] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention.

[0022] The embodiment of the invention discloses a data processing method, a device and a server, which are used to determine whether a client has an order-swiping behavior, so as to effectively reduce the risk of online lending.

[0023] Among them, the data processing method provided by the embodiment of the present invention can be implemented by a server (for example, a risk control server, a loan approval server, etc.), and the server can also be an online loan server with both risk control and loan approval functions. The client in the embodiment of the present invention may be a smart phone (such as an Android phone, an iOS phone, a Windows Phone phone, etc.), a tablet computer, a mobile Internet device (Mobile Internet Devices, MID), a computer, etc., a terminal configured wit...

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Abstract

The embodiment of the present invention discloses a data processing method, device, and server, wherein the method includes: after the server establishes a communication connection with the first client, acquiring network information of the network connected to the first client; The network information determines the number of second clients that are connected to the same network as the first client and establish a communication connection with the server; if the number of the second clients is greater than or equal to a preset number threshold, the The server rejects the online loan request sent by the first client and / or the second client. Through the embodiment of the present invention, it can be determined whether there is a bill swiping behavior at the client end, thereby effectively reducing the risk of online loan lending.

Description

Technical field [0001] The present invention relates to the field of data processing technology, in particular to data processing methods, devices and servers. Background technique [0002] Currently, online lending platforms need to conduct risk assessments (also called anti-fraud warnings) on users before lending, and generally judge whether users have fraudulent behaviors based on the authenticity of the information filled in by users. The online lending platform can verify the authenticity of the information by calling the database and other means after the user submits the information. If the information is not true, the user may have fraudulent behavior, and there will be risks in lending. However, the above risk assessment method is relatively simple and not precise enough. For example, if a user obtains the real information of other users through some channels and swipes orders on the online lending platform, it is difficult for the online lending platform to determine w...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04L29/06H04L29/08G06Q40/02
CPCH04L63/102H04L67/14G06Q40/03
Inventor 李源
Owner SIMPLECREDIT MICRO LENDING CO LTD
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