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Information processing method, device, server, and computer-readable storage medium

An information processing method and computer program technology, applied in the Internet field, can solve problems such as high bad debt rate, inaccurate lending risk assessment, and increase the difficulty of accurate assessment of lending risk by online lending platforms

Active Publication Date: 2021-05-11
SIMPLECREDIT MICRO LENDING CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] In order to reduce the risk of lending when processing loan requests, the current online lending platform will conduct a risk assessment based on the relevant information filled in by the user to determine whether there is a risk in lending to the user, but this assessment method Relatively simple
If fraudulent loan gangs use stolen identity information to apply for loans, it will make it more difficult for online lending platforms to accurately assess the risk of lending, making it difficult to recover the loan
Therefore, the current online lending platform has the problem of inaccurate assessment of lending risk, resulting in a relatively high risk of lending and a high bad debt rate

Method used

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  • Information processing method, device, server, and computer-readable storage medium
  • Information processing method, device, server, and computer-readable storage medium
  • Information processing method, device, server, and computer-readable storage medium

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Embodiment Construction

[0038] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. 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.

[0039] In the embodiment of the present invention, the user equipment can be, for example, a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a mobile Internet device, or other terminal equipment that has a sending and receiving function and can install and deploy a communication application client.

[0040] see figure 1 , is a schematic flowchart of an information processing method provided by an embodiment of the present...

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Abstract

The embodiment of the present invention discloses an information processing method, device, server, and computer-readable storage medium, wherein the method includes: receiving a loan request sent by a user device, the loan request including voice information entered by the user; according to the loan request Acquiring feature information associated with the user, the feature information including first identity information and first voiceprint information extracted from the voice information; marking the loan request with a risk warning according to the feature information. By adopting the invention, the problem of inaccurate assessment of lending risk existing in the online loan platform can be solved, thereby reducing loan risk and bad debt rate.

Description

technical field [0001] The present invention relates to the technical field of the Internet, in particular to an information processing method, device, server and computer-readable storage medium. Background technique [0002] In order to reduce the risk of lending when processing loan requests, the current online lending platform will conduct a risk assessment based on the relevant information filled in by the user to determine whether there is a risk in lending to the user, but this assessment method relatively simple. If fraudulent loan gangs use stolen identity information to apply for loans, it will make it more difficult for the online lending platform to accurately assess the risk of lending, making it difficult to recover the loan. Therefore, the current online lending platform has the problem of inaccurate assessment of lending risk, resulting in a relatively high risk of lending and a high rate of bad debts. Contents of the invention [0003] Embodiments of the...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/06G06Q40/02G06F21/32G10L17/00
CPCG06F21/32G06Q10/0635G10L17/00G06Q40/03
Inventor 王凯宁田璐瑜
Owner SIMPLECREDIT MICRO LENDING CO LTD
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