Data processing method, data processing device, and computer-readable storage medium
A technology of data processing and feature data, applied in the field of computer networks, can solve problems such as inability to stop and prevent in time, insufficient supervision, and low entry threshold for P2P online lending
Active Publication Date: 2021-09-17
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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Data processing method, data processing device, and computer-readable storage medium. The invention discloses a data processing method for identifying online lending behaviors, comprising the following steps: collecting preset online data of user network behaviors; obtaining preset users according to the collected preset online data of user network behaviors The characteristic data of network behavior; according to the preset characteristic data of the user's network behavior, it is judged whether the user has an online loan behavior. It has achieved the technical effect that the user's online lending behavior can be identified and monitored on data processing devices such as computers and mobile terminals. The invention also provides a data processing device 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