Credit granting method based on travel trajectory, user terminal and server

A technology of travel trajectory and user terminal, applied in the field of credit, can solve the problems that the technical solution cannot achieve the original design purpose, and achieve the effect of reducing credit risk, ensuring stable operation, and reducing the possibility of fraud

Inactive Publication Date: 2019-01-18
新疆特易数科信息技术有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

For organized loan fraud gangs, if the borrower and the guarantor are false, the technical solution of this invention cannot achieve the original design purpose. Therefore, compared with controlling credit risk, using the real information of the user is a solution. The source of user credit review problems

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  • Credit granting method based on travel trajectory, user terminal and server
  • Credit granting method based on travel trajectory, user terminal and server
  • Credit granting method based on travel trajectory, user terminal and server

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Embodiment Construction

[0033] In order to illustrate the present invention more clearly, the present invention will be further described below in conjunction with preferred embodiments and accompanying drawings. Similar parts in the figures are denoted by the same reference numerals. Those skilled in the art should understand that the content specifically described below is illustrative rather than restrictive, and should not limit the protection scope of the present invention.

[0034] Such as figure 1 Shown is the scene architecture based on user travel trajectory crediting involved in the present invention, including a user terminal 100 , a server 200 and a travel trajectory platform 300 . Wherein the user terminal 100 may be a computer, a tablet computer or a smart phone.

[0035] Such as figure 2As shown, an embodiment of the present invention provides a credit granting method based on user travel trajectories, including: the user terminal logs in to the server in response to the user's ope...

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Abstract

The invention discloses a credit granting method based on a user travel trajectory, a user terminal and a server. The credit granting method comprises the following steps: the user terminal logs on aserver in response to an operation of the user; the user terminal selects according to a plurality of travel trajectory platform lists provided by the server in response to an operation of the user, at least one travel trajectory platform is authorized to be logged in by the server, so that the server grasps the basic information of the user from the log-in travel trajectory platform, and performsdata processing according to the basic information to determine the credit rating and credit line of the user. The embodiment provided by the invention can solve the problem that the credit institution cannot verify the work information filled in by the user, effectively reduce the possibility of user fraud, and according to the user travel trajectory, can more accurately grasp the true information of users, can reduce credit institutions due to user credit information problems caused by credit risk, to ensure the stable operation of credit institutions.

Description

technical field [0001] The invention relates to the field of credit, in particular to a credit granting method based on a travel trajectory, a user terminal and a server. Background technique [0002] In recent years, the development of Internet technology has created a new round of financial revolution, and it is flourishing under the background of the country's policy of developing inclusive finance. However, excessive growth also contains great blindness, and it is accompanied by Increasing credit risk. The credit risks existing in the operation of credit institutions mainly include credit risk, operational risk and market risk. Credit risk refers to the failure of loan users to repay debts according to the time stipulated in the contract, or even user default and fraudulent loans. The review is the top priority of credit risk control, and the authenticity of loan user materials in the review process becomes a key factor in the review. Traditionally, the loan user’s rev...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 黄波涛卢孟观
Owner 新疆特易数科信息技术有限公司
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