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Credit evaluation method and device, storage medium, computer equipment

A technology of credit evaluation and credit scoring, which is applied in the directions of calculation, data processing application, agreement authorization, etc. It can solve the problems of financial enterprise losses, lack of investigation of fraudulent gangs, etc., and achieve the effect of reducing bad debt rate and improving loan security

Active Publication Date: 2021-02-19
百融云创科技股份有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

There is no investigation of large-scale and professional group frauds, once financial companies encounter them, they will cause great losses

Method used

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  • Credit evaluation method and device, storage medium, computer equipment
  • Credit evaluation method and device, storage medium, computer equipment
  • Credit evaluation method and device, storage medium, computer equipment

Examples

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Embodiment Construction

[0027] Hereinafter, the present application will be described in detail with reference to the drawings and embodiments. It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined with each other.

[0028] In this embodiment, a credit evaluation method is provided, such as figure 1 As shown, the method includes:

[0029] Step 101, acquire the user's credit data and the user's application business.

[0030] When a user has a business application requirement, obtain the user's credit data and the user's application business. The user's credit data can include the user's identity information, income certificate, asset certificate, consumption information, credit information, etc., and the application business can include the user's Submitted loan amount.

[0031] Step 102, according to the credit data and anti-fraud rules, check the anti-fraud behavior of the user.

[0032] Use the obtaine...

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PUM

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Abstract

This application discloses a credit evaluation method and device, storage medium, and computer equipment. The method includes: obtaining the user's credit data and the user's application business; according to the credit data and anti-fraud rules, checking the user's anti-fraud behavior; if If the user passes through the investigation of fraudulent behavior, the user will be screened for gang fraud based on the credit data and the gang fraud model; if the user has passed the investigation of gang fraud, the user's pre-loan credit score will be calculated based on the credit data and the pre-loan credit scoring model; If the user's pre-loan credit score is greater than or equal to the preset lending score threshold corresponding to the application business, the loan will be issued according to the application business. This application checks large-scale and professional gang fraud, and then lends money based on the user's credit score, which improves the security of loan lending and helps reduce the bad debt rate.

Description

technical field [0001] The present application relates to the technical field of credit evaluation, in particular to a credit evaluation method and device, storage medium, and computer equipment. Background technique [0002] With the rapid development of Internet finance and the explosive growth of behavioral data accumulated on the Internet, relying on massive data, personal credit evaluation technology serving Internet financial services has emerged as the times require. This has positively contributed to increasing the approval efficiency of Internet finance and accelerating the construction of national inclusive finance. [0003] However, in the current credit evaluation process, anti-fraud is mainly aimed at fraud types such as identity fraud, false information, historical fraud, and agent fraud, through identity verification, information comparison, blacklist comparison, and agent characteristic analysis (monitoring) and other means Prevent and control. If there is ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02G06Q20/40
CPCG06Q20/403G06Q20/4016G06Q40/03
Inventor 张韶峰申宇峰季元
Owner 百融云创科技股份有限公司
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