Data processing method, data processing device and computer readable storage medium
A technology of data processing and characteristic data, applied in the field of computer network, which can solve the problems of low entry threshold of P2P online lending, inability to stop and prevent in time, and inability to stop and prevent in time.
Active Publication Date: 2018-01-23
SANGFOR TECH INC
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Problems solved by technology
[0003] However, due to the low entry threshold and insufficient supervision of P2P online loans, borrowers who are unable to repay the loans often take online loans, such as college students and other groups, suicides of students who are unable to repay the loans frequently occur
[0004] Existing technologies are unable to identify and monitor users’ online lending behavior. For example, guardians or parents of students cannot know whether people who use consumer electronic products such as computers, tablets, and mobile terminals have incurred online loans on P2P online lending platforms. Institutions that provide online loan platforms or third-party regulators are unable to stop and prevent such borrowers who are not qualified for loans or are unable to repay loans in a timely manner. of borrowers make online loans
Method used
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[0039] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.
[0040] Please refer to figure 1 , figure 1 It is a method flowchart of a data processing method 100 for identifying online loan behavior in the first embodiment of the present invention, wherein the data processing method 100 includes the following steps:
[0041] Step S10, collect the preset user network behavior online data, the preset user network behavior includes the user's network behavior of visiting the credit website, and the user's visit to the online banking or online payment website within a preset time after visiting the credit website Internet behavior.
[0042] The user's online lending behavior is always closely related to some specific and collectable online behavior of the user. For example, the network behavior of a user visiting a credit website can be detected and collected by a web browser. Sp...
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The invention relates to a data processing method, a data processing device and a computer readable storage medium. The data processing method for identifying a peer-to-peer lending behavior comprisesthe following steps: collecting online data of a preset user network behavior; according to the collected online data of the preset user network behavior, acquiring feature data of the preset user network behavior; and determining whether the user makes a peer-to-peer lending behavior based on the feature data of the preset user network behavior. Therefore, a technical effect of identifying and monitoring the peer-to-peer lending behavior of the user at the data processing device like a computer or a mobile phone terminal is realized. In addition, the invention also provides a data processingdevice and a computer readable storage medium.
Description
technical field [0001] The present invention relates to the technical field of computer networks, in particular to a data processing method based on network behavior, a data processing device and a computer-readable storage medium. Background technique [0002] With the development of Internet technology, the Internet has been applied to various industries. For example, Internet finance has become one of the focuses of market competition among commercial and financial institutions in recent years. Among them, P2P (Peer-to-Peer) online lending is a major product of Internet finance. It is a private small-amount lending model that gathers small amounts of funds and lends them to people in need of funds. [0003] However, due to the low entry threshold and insufficient supervision of P2P online loans, borrowers who are unable to repay the loans often take online loans, such as college students and other groups, suicides of students who are unable to repay the loans frequently o...
Claims
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IPC IPC(8): G06Q40/02
Inventor 刘伯仲张斌赵伟健
Owner SANGFOR TECH INC