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Risk monitoring method, device and apparatus based on internet credit

An Internet and risk technology, applied in the computer field, can solve problems such as the difficulty of effective monitoring in monitoring methods, and achieve the effect of improving the monitoring accuracy and expanding the monitoring scope.

Inactive Publication Date: 2018-06-05
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, with the development of Internet technology, the combination of traditional financial institutions and Internet technology is getting closer and closer. The characteristics of online, small, high-frequency, and decentralized Internet loans make it difficult for traditional monitoring methods to monitor effectively.

Method used

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  • Risk monitoring method, device and apparatus based on internet credit
  • Risk monitoring method, device and apparatus based on internet credit
  • Risk monitoring method, device and apparatus based on internet credit

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Embodiment Construction

[0032] In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in conjunction with specific embodiments of the present application and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0033] In one or more embodiments of this specification, such as figure 1 The execution logic diagram shown. figure 1 may at least include: a lender server, a borrowing account, and a related account associated with the borrowing account. in:

[0034] Lenders can usually be considered as institutions such as banks, financial platforms, and financia...

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PUM

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Abstract

The embodiment of the present invention discloses a risk monitoring method, device and apparatus based on internet credit. After a loaner loans a borrower, a server monitors that the fund in a loan account is transferred to different payee accounts, and identifies different the types of the different payee accounts and the relationship between the payee accounts to determine the purpose of the fund, and further to pre-estimate the risk of the borrowed money.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a risk monitoring method, device and equipment based on Internet credit. Background technique [0002] In the application scenario of traditional finance, financial institutions can provide credit services to users. In other words, financial institutions can provide users with loan needs with a specified amount of loans based on the user's application (that is, transfer the specified amount of loans to the user's account). In order to prevent loan users from using loans maliciously or illegally, financial institutions usually monitor the loan behavior of users and the use of funds. As a usual means, financial institutions usually implement the monitoring of loans in the form of entrusted payment. Specifically, financial institutions pay a designated amount of money to the transaction partner of the borrower who meets the agreed purpose. In addition, financial instit...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 甘利民陈凯
Owner ADVANCED NEW TECH CO LTD