A lending and borrowing information verification method and a device based on a communication open platform
An open platform, identity information technology, applied in instrumentation, finance, data processing applications, etc., can solve the problems of easy repeated credit granting, non-sharing of data, manual review by borrowers, etc.
Inactive Publication Date: 2019-01-15
XIAMEN JIWEI TECH CO LTD
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Problems solved by technology
[0005] The present invention solves the problem that the existing online lending platform manually checks the borrower's information, which is inefficient and easy to repeat credit granting. On the other hand, because the data is not shared, it is impossible to analyze the actual lending behavior of the user.
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[0027] In order to make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be described clearly and completely in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of the embodiments of the present invention, not all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.
[0028] figure 1 It is a schematic flow diagram of a method for reviewing loan information based on an open communication platform provided in this embodiment, see figure 1 , The method includes:
[0029] 101: After receiving the user's request information for applying for a loan, obtain the user's identity information, mobile phone numb...
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The embodiment of the invention discloses a debit and credit information verification method and a debit and credit information verification device based on a communication open platform, after verifying the identity information, the mobile phone number and the bank card information of the user applying for loan, the method carries out user portrait according to the short message received by the user, and judges whether the user has multiple debits and credits in the near future according to the user label obtained from the user portrait. Automatically audits the basic information of users, which improves the efficiency and accuracy of auditing. User SMS reflects the actual borrowing and lending behavior of users, and the user tag obtained from user portrait based on user's SMS is used toreview whether users have multiple borrowing and lending behaviors, and the results of the review reflect the actual borrowing and lending behavior of users in the near future. Combining the examination and approval of user's basic information with the drawing of short message according to user's short message not only improves the examination and approval efficiency but also improves the credibility of the examination and approval of loan information.
Description
Technical field [0001] The embodiments of the present invention relate to the technical fields of automated lending review and big data, and in particular to a method and device for reviewing lending information based on an open communication platform. Background technique [0002] Online loan platforms can provide small loans to individuals. However, many online loan platforms have a low threshold for providing small loans. For example, many online loan platforms only require users to submit ID cards to apply for loans. However, it is difficult to accurately verify the authenticity of the borrower's identity information only through the ID card. Therefore, it is easy to apply for loans with fake identity registered accounts on online loan platforms. [0003] The main reasons for the fake identity registered account application on the online lending platform include: the borrower’s identity qualification review uses manual review, and the business personnel will actively release wa...
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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 陈龙华陈婷婷陈连增
Owner XIAMEN JIWEI TECH CO LTD