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Credit service approval method, a storage medium and a server

A business and credit technology, applied in the financial field, can solve problems such as positioning information fraud, and achieve the effect of improving the accuracy rate, reducing the risk of borrowing, and reducing the possibility of fraud.

Pending Publication Date: 2019-02-12
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In view of this, the embodiment of the present invention provides a credit business approval method, storage medium and server, aiming to solve the problem that users can falsify location information to pass the risk control verification

Method used

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  • Credit service approval method, a storage medium and a server
  • Credit service approval method, a storage medium and a server
  • Credit service approval method, a storage medium and a server

Examples

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Embodiment Construction

[0023] Embodiments of the present invention provide a credit business approval method, storage medium and server, aiming to solve the problem that users can falsify location information to pass risk control verification.

[0024] In order to make the purpose, features and advantages of the present invention more obvious and understandable, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the following The described embodiments are only some, not all, embodiments of the present invention. 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.

[0025] see figure 1 , the first embodiment of a credit business approval method in the embodiment of the present inv...

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PUM

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Abstract

The invention relates to the field of financial technology, and provides a credit service approval method, a storage medium and a server. The approval method comprises the following steps of: when receiving a request for applying for credit service initiated by a mobile terminal, continuously collecting positioning information of the mobile terminal within a preset time period; constructing a mapcanvases by using canvas components; adding the positioning information to the map canvas to obtain a moving trajectory of the mobile terminal; if the movement trajectory meets preset conditions, passing the application of the credit service; if the movement trajectory does not meet the condition, rejecting the application for the credit service. The invention judges whether the application of thecredit service is passed or not through the collection of the massive positioning data and the analysis of the big data. Because the difficulty of falsifying the moving trajectory is far greater thanthat of falsifying the individual positioning information, it can effectively reduce the possibility of users' falsification, thereby improving the accuracy of risk control verification and reducingthe loan risk of banks.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a credit business approval method, storage medium and server. Background technique [0002] Credit business, also known as credit assets or loan business, is the main profit-making method of commercial banks. It recovers the principal and interest through lending, and obtains profits after deducting costs. Since the loan is out of the control of the bank, there is a greater risk of not being able to recover the principal and interest on time, so commercial banks have established strict risk control methods in the credit business approval process. For example, when a user applies for a credit service, the current location information of the user terminal is obtained and compared with the contact address filled in by the user to complete the risk control verification. However, if the user knows the above rules, he can falsify the location information by himself to pass the risk...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 肖伟平
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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