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Processing method and system for fighting against illegal fraud based on loan application association relationship

An association relationship and loan technology, applied in the field of illegal fundraising analysis and processing, can solve problems such as single monitoring content, illegal fraudulent loans are not easily identified, illegal frauds affecting social stability, etc. The effect of small investigation work

Pending Publication Date: 2021-06-29
北京宸信征信有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] At present, illegal fraud has become a prominent problem that intensifies conflicts and affects social stability. It is a typical economic crime and has serious social harm. However, how to identify suspected illegal fraudulent loans from normal loans is still a difficult problem
At present, the method of identifying suspected illegal and fraudulent loans is mainly through monitoring the specific operation behavior of the account, such as the method mentioned in the invention patent with application number 201910138922.1. Although this method can identify certain illegal and fraudulent loans, the monitoring content is single. Many illegal and fraudulent loans are not easy to be identified, especially family-style fraudulent loans are more concealed

Method used

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  • Processing method and system for fighting against illegal fraud based on loan application association relationship
  • Processing method and system for fighting against illegal fraud based on loan application association relationship
  • Processing method and system for fighting against illegal fraud based on loan application association relationship

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Experimental program
Comparison scheme
Effect test

Embodiment approach

[0105] According to a preferred implementation manner of the present invention, step S232 may also include the following sub-steps:

[0106] S2321, using the REPLACE function in the database in combination with the TRANSLATE function to remove garbled characters and spaces in the string;

[0107] S2322. Correlate and match the loan applicant with the "loan applicant" field in the information data of other financial institutions. If a match is found, it indicates that the loan applicant has loan characteristics, and a loan application is associated.

[0108] In a preferred embodiment, step S233 includes the following sub-steps:

[0109] S2331. Use the REPLACE function and the TRANSLATE function in the database to remove garbled characters and spaces in the character strings of "person" and "person ID" in the main relative table of the loan application;

[0110] S2332. The person and personnel ID of the secondary relatives who use the loan application are associated and matched...

Embodiment 1

[0182] The method described in the present invention was operated on a certain financial loan platform in early June 2019, and the loan application of a certain financial loan platform was screened for illegal fraud, and after screening the bank statement, the information of the loan applicant was obtained, as shown in Table 1 :

[0183] Table I

[0184]

[0185] After matching with the information of other financial institutions, loan applications with criminal records and suspected illegal fraud are screened out, as shown in Table 2:

[0186] Table II

[0187]

[0188] After matching with the information of other financial institutions, the suspected illegal and fraudulent loan applications without real estate are screened out, as shown in Table 3

[0189] Table three

[0190]

[0191] Similarly, according to whether the loan applicant is an adult within 6 months and whether the loan applicant has continuously paid social security for less than 6 months, the susp...

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Abstract

The invention provides a method for fighting against illegal fraud based on a loan application association relationship, and the method comprises the steps of screening a bank account list, obtaining information of a loan applicant, obtaining suspected illegal fraud loan and associated loan application information, reconfirming a suspected illegal fraud loan application cluster, obtaining a highly suspected illegal fraud loan application cluster, and arranging output information. The method and the system for fighting against illegal fraud through the loan application association relationship have the advantages of high working effect, wide practical use and the like.

Description

technical field [0001] The invention relates to a method for combating illegal fraud, in particular to a method for combating illegal fraud based on loan application correlation, and belongs to the field of illegal fund-raising analysis and processing. Background technique [0002] Illegal fraud refers to the crime of defrauding loans and loan fraud. [0003] Illegal fraud has brought great harm to both society and the masses. On the one hand, illegal fraud damages the interests of participants and causes them to suffer economic losses. Illegal fraud criminals often squander, transfer or illegally occupy the funds after obtaining loans by deceptive means, resulting in the non-refundable loan. On the other hand, illegal fraud seriously disrupts the normal economic and financial order of the society, which can easily lead to social risks, social instability, and seriously affect social harmony. [0004] Illegal fraud is often large-scale, with many participants, low cash pa...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q20/40
CPCG06Q20/4016G06Q40/03
Inventor 金昊
Owner 北京宸信征信有限公司