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Credit fraud analysis method, device and equipment and computer readable storage medium

An analysis method and credit technology, applied in the field of big data, can solve problems such as ignoring correlation and reducing the accuracy of credit fraud analysis, so as to achieve the effect of reducing bad debt rate, discovering and avoiding risks, and improving accuracy

Pending Publication Date: 2019-04-05
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

The traditional credit risk analysis method is to conduct a single analysis of each address information to determine its authenticity, while ignoring the correlation between addresses, thereby reducing the accuracy of credit fraud analysis

Method used

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  • Credit fraud analysis method, device and equipment and computer readable storage medium
  • Credit fraud analysis method, device and equipment and computer readable storage medium
  • Credit fraud analysis method, device and equipment and computer readable storage medium

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Embodiment Construction

[0051] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0052] The credit fraud analysis method involved in the embodiment of the present invention is mainly applied to a credit fraud analysis device, which may be a personal computer (personal computer, PC), a notebook computer, a server and other devices with data processing functions.

[0053] refer to figure 1 , figure 1It is a schematic diagram of the hardware structure of the credit fraud analysis device involved in the solution of the embodiment of the present invention. In the embodiment of the present invention, the credit fraud analysis device may include a processor 1001 (such as a central processing unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein, the communication bus 1002 is used to realize the connection and communication between these compon...

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Abstract

The invention provides a credit fraud analysis method. The invention discloses a device, equipment and a computer readable storage medium. integrating and associating multiple kinds of address information of the loan applicant in a relationmanner; the contact between the address information can be determined; the potential credit fraud risk is predicted by combining the processing logic of black (or grey) dyeing; Therefore, correlation risk detection is carried out on the loan terminal of the loan applicant in a big data analysis mode, the accuracy of credit analysis is improved, early warningcan be carried out on potential risks more effectively, the risks can be found and avoided as soon as possible, and the bad account rate is reduced.

Description

technical field [0001] The present invention relates to the field of big data, in particular to a credit fraud analysis method, device, equipment and computer-readable storage medium. Background technique [0002] With the rapid development of society and financial industry, credit business is active in the market. Before lending money to loan applicants, credit institutions need to analyze the information provided by the loan applicants to determine the risk of fraud; during the analysis process, the address analysis of loan applicants is often involved, such as home address, work address , GPS address, etc. The traditional credit risk analysis method is to conduct a single analysis of each address information to determine its authenticity, while ignoring the correlation between addresses, thereby reducing the accuracy of credit fraud analysis. Contents of the invention [0003] The main purpose of the present invention is to provide a credit fraud analysis method, devi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 向纯玉
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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