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Risk detection method, device, apparatus, and readable storage medium for credit information

A risk detection and credit technology, applied in the fields of instruments, finance, data processing applications, etc., can solve the problems of reducing the accuracy of credit risk analysis, ignoring the correlation between certificates and other credit information, and single verification of credit numbers. Reduce audit workload, detect and circumvent, and improve accuracy

Active Publication Date: 2019-04-16
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The traditional analysis method only conducts a single verification of the credit number, which ignores the correlation between the certificate and other credit information, thereby reducing the accuracy of credit risk analysis

Method used

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  • Risk detection method, device, apparatus, and readable storage medium for credit information
  • Risk detection method, device, apparatus, and readable storage medium for credit information
  • Risk detection method, device, apparatus, and readable storage medium for credit information

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Embodiment Construction

[0023] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0024] The credit information risk detection method that the embodiment of the present invention relates to is mainly applied to the risk detection equipment of credit information, and the risk detection equipment of this credit information can be personal computer (personal computer, PC), notebook computer, server etc. have data processing function equipment.

[0025] refer to figure 1 , figure 1 It is a schematic diagram of the hardware structure of the credit information risk detection device involved in the solution of the embodiment of the present invention. In the embodiment of the present invention, the credit information risk detection 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. Wh...

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Abstract

The invention provides a risk detection method, a device, an apparatus and a readable storage medium for credit information, which can intelligently identify a signal number type provided by a loan applicant through a preset model, thereby facilitating the loan applicant to provide loan data and reducing the examination workload of a risk control personnel. At the same time, integrating and associating loan applicant's credit number with other information in the way of relationship is helpful to determine the relationship between credit number and other information. And the method analyzes anddetects the risk of credit number according to the processing logic of black dyeing (or gray dyeing), Thus, the potential credit fraud risk is effectively predicted in the way of big data analysis, the accuracy of credit analysis is improved, the potential risk can be more effectively warned, the risk can be discovered and avoided as soon as possible, and the bad debt ratio of loan can be reduced.

Description

technical field [0001] The invention relates to the field of financial credit, in particular to a credit information risk detection method, device, equipment and readable storage medium. Background technique [0002] With the rapid development of society and financial industry, credit business is active in the market. Credit institutions need to conduct risk control analysis on loan applicants before lending to determine their fraud risk; in the process of risk control analysis, loan applicants are often involved in providing various credit numbers, such as ID number, mobile phone number , mailbox number, etc., and credit institutions analyze these credit numbers to determine their fraud risk. The traditional analysis method only conducts a single verification of the credit number, which ignores the correlation between the certificate and other credit information, thereby reducing the accuracy of credit risk analysis. Contents of the invention [0003] The main purpose o...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03Y02D30/70
Inventor 向纯玉
Owner PING AN TECH (SHENZHEN) CO LTD
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