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Loan anti-fraud processing method, device and readable storage medium

A processing method and loan technology, applied in the field of financial risk, to achieve the effect of improving processing efficiency, improving verification efficiency, and controllable risk level

Inactive Publication Date: 2019-01-04
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] The main purpose of the present invention is to provide a loan anti-fraud processing method, device and computer-readable storage medium, aiming to solve the technical problems of various disadvantages existing in the anti-fraud risk management and control of the existing loan business

Method used

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  • Loan anti-fraud processing method, device and readable storage medium
  • Loan anti-fraud processing method, device and readable storage medium

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Embodiment Construction

[0035] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0036] refer to figure 1 , figure 1 It is a schematic flowchart of an embodiment of the loan anti-fraud processing method of the present invention. In this embodiment, the loan anti-fraud processing method includes the following steps:

[0037] Step S10, when there is a loan request, obtain multi-dimensional fraud determination data related to the loan request;

[0038] In this embodiment, when there is a loan request initiated online by the lender, multi-dimensional fraud determination data related to this loan request is first obtained for risk rating of this loan request.

[0039] Fraud determination data can specifically include data related to this loan, such as the amount of this loan and the basic information of the lender, such as age, historical borrowing times, etc., such as social data that can reflect t...

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Abstract

The invention discloses a loan anti-fraud processing method, which comprises the following steps: when a loan request exists, obtaining multi-dimensional fraud judgment data related to the loan request; when the loan request exists, obtaining multi-dimensional fraud judgment data related to the loan request; inputting the fraud determination data into a rule engine to perform a risk rating on theloan request and output a risk level; judging whether the risk level is within a specified risk level range; if so, one or more of the combined nuclear body means being used for fraud verification ofthe lender, the nuclear body result being outputted, and the lending decision being determined based on the nuclear body result; if not, a lending decision being determined based on the risk level. The invention also discloses a loan anti-fraud processing device and a computer-readable storage medium. The invention reduces the loan risk, improves the processing efficiency of the loan service and improves the user experience.

Description

technical field [0001] The invention relates to the technical field of financial risks, in particular to a loan anti-fraud processing method, device and computer-readable storage medium. Background technique [0002] With the continuous development of Internet finance, in order to solve the ultimate user experience for online users to quickly obtain financial loans, it is necessary to balance user experience and fraud risk control. Experience, and use fast nuclear body means to prevent. [0003] Financial loans usually require verification of users for fraud risk control. The existing loan business verification mode usually uses a single verification method to verify user loans. However, each verification method is not omnipotent and has certain limitations. There are great disadvantages: first, offline resources cannot be verified offline; second, the verification efficiency is low and cannot meet the needs of users for quick loan business; third, if high-risk and high-pr...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/40
CPCG06Q20/4016G06Q40/03
Inventor 陈政范增虎孙明堃黄国财
Owner WEBANK (CHINA)
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