CN109325657A - A kind of measures and procedures for the examination and approval of credit operation, storage medium and server - Google Patents
A kind of measures and procedures for the examination and approval of credit operation, storage medium and server Download PDFInfo
- Publication number
- CN109325657A CN109325657A CN201810940534.0A CN201810940534A CN109325657A CN 109325657 A CN109325657 A CN 109325657A CN 201810940534 A CN201810940534 A CN 201810940534A CN 109325657 A CN109325657 A CN 109325657A
- Authority
- CN
- China
- Prior art keywords
- location information
- credit
- mobile terminal
- motion track
- address
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 35
- 239000004744 fabric Substances 0.000 claims description 3
- 238000012795 verification Methods 0.000 abstract description 11
- 238000005516 engineering process Methods 0.000 abstract description 3
- 238000007405 data analysis Methods 0.000 abstract 1
- 230000000875 corresponding effect Effects 0.000 description 15
- 230000006870 function Effects 0.000 description 4
- 230000002596 correlated effect Effects 0.000 description 3
- 238000010276 construction Methods 0.000 description 2
- 230000001276 controlling effect Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 238000010422 painting Methods 0.000 description 2
- 238000006243 chemical reaction Methods 0.000 description 1
- 230000010485 coping Effects 0.000 description 1
- 230000002354 daily effect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000003203 everyday effect Effects 0.000 description 1
- 238000009434 installation Methods 0.000 description 1
- 230000002045 lasting effect Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Human Resources & Organizations (AREA)
- Strategic Management (AREA)
- Economics (AREA)
- Entrepreneurship & Innovation (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Educational Administration (AREA)
- Tourism & Hospitality (AREA)
- Quality & Reliability (AREA)
- Operations Research (AREA)
- Game Theory and Decision Science (AREA)
- Technology Law (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The present invention relates to financial technology fields, propose the measures and procedures for the examination and approval, storage medium and the server of a kind of credit operation.The measures and procedures for the examination and approval include: the location information of mobile terminal described in continuous collecting in preset duration when receiving the request for the demand for credit business initiated by mobile terminal；Map canvas is constructed using canvas component；The location information is added in the map canvas, the motion track of the mobile terminal is obtained；If the motion track meets preset condition, pass through the application of the credit operation；If the motion track does not meet the condition, refuse the application of the credit operation.The present invention passes through the acquisition of magnanimity location data, in conjunction with big data analysis, to determine whether the application by credit operation.It plays tricks since the difficulty played tricks to motion track will be far longer than to single location information, therefore can be effectively reduced the possibility of playing tricks of user, to improve the accuracy rate of air control verification, reduce the debt-credit risk of bank.
Description
Technical field
The present invention relates to financial technology field more particularly to a kind of measures and procedures for the examination and approval of credit operation, storage medium and service
Device.
Background technique
Credit operation is also known as Credit Assets or loan transaction, withdraws principal and interest by making loans, and is deducting cost
After earn a profit, be the main profit means of business bank.Due to the control made loans departing from bank, principal and interest cannot be withdrawn on time
Risk it is larger, so business bank constructs stringent air control processing mode in the approval process of credit operation.For example,
When user's demand for credit business, the location information being presently in by obtaining user terminal, come the contact address filled in user
It is compared, to complete air control verification.However, can voluntarily play tricks if user knows above-mentioned rule location information to pass through
Air control verification, to gain loan by cheating, brings greater risk to bank.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of measures and procedures for the examination and approval of credit operation, storage medium and server, purport
Solving the problems, such as that user can voluntarily play tricks to verify by air control to location information.
The embodiment of the present invention in a first aspect, providing a kind of measures and procedures for the examination and approval of credit operation, comprising:
When receiving the request for the demand for credit business initiated by mobile terminal, the continuous collecting institute in preset duration
State the location information of mobile terminal；
Map canvas is constructed using canvas component；
The location information is added in the map canvas, the motion track of the mobile terminal is obtained；
If the motion track meets preset condition, pass through the application of the credit operation；
If the motion track does not meet the condition, refuse the application of the credit operation.
The second aspect of the embodiment of the present invention, provides a kind of computer readable storage medium, described computer-readable to deposit
Storage media is stored with computer-readable instruction, and such as the embodiment of the present invention is realized when the computer-readable instruction is executed by processor
First aspect propose credit operation the measures and procedures for the examination and approval the step of.
The third aspect of the embodiment of the present invention, provides a kind of server, including memory, processor and is stored in institute
The computer-readable instruction that can be run in memory and on the processor is stated, the processor executes described computer-readable
Following steps are realized when instruction:
When receiving the request for the demand for credit business initiated by mobile terminal, the continuous collecting institute in preset duration
State the location information of mobile terminal；
Map canvas is constructed using canvas component；
The location information is added in the map canvas, the motion track of the mobile terminal is obtained；
If the motion track meets preset condition, pass through the application of the credit operation；
If the motion track does not meet the condition, refuse the application of the credit operation.
Then the location information of held mobile terminal of continuous collecting user in preset duration of the embodiment of the present invention uses picture
Obtained location information, is converted to the motion track of user, finally again by cloth component construction map canvas in the map canvas
By judge the motion track whether meet preset condition complete air control verification.Due to being wanted to the difficulty that motion track is played tricks
It is far longer than and plays tricks to single location information, therefore the application can be effectively reduced the possibility of playing tricks of user, to improve wind
The accuracy rate for controlling verification, reduces the debt-credit risk of bank.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of flow chart of one embodiment of the measures and procedures for the examination and approval of credit operation provided in an embodiment of the present invention；
Fig. 2 is a kind of flow chart of second embodiment of the measures and procedures for the examination and approval of credit operation provided in an embodiment of the present invention；
Fig. 3 is a kind of structure chart of one embodiment of the examination & approval device of credit operation provided in an embodiment of the present invention；
Fig. 4 is a kind of schematic diagram of server provided in an embodiment of the present invention.
Specific embodiment
The embodiment of the invention provides a kind of measures and procedures for the examination and approval of credit operation, storage medium and servers, it is intended to solve to use
The problem of family can voluntarily play tricks to verify by air control to location information.
In order to make the invention's purpose, features and advantages of the invention more obvious and easy to understand, below in conjunction with the present invention
Attached drawing in embodiment, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that disclosed below
Embodiment be only a part of the embodiment of the present invention, and not all embodiment.Based on the embodiments of the present invention, this field
Those of ordinary skill's all other embodiment obtained without making creative work, belongs to protection of the present invention
Range.
Referring to Fig. 1, a kind of one embodiment of the measures and procedures for the examination and approval of credit operation includes: in the embodiment of the present invention
101, it when receiving the request for the demand for credit business initiated by mobile terminal, is persistently adopted in preset duration
Collect the location information of the mobile terminal；
When receiving the request for the demand for credit business initiated by mobile terminal, the continuous collecting institute in preset duration
State the location information of mobile terminal.Specifically, user can click demand for credit industry using the APP of service class on mobile terminals
Business, can also surf the Internet and open the related link of demand for credit business, to initiate the request of demand for credit business.Server is connecing
After receiving the request, the location information of mobile terminal described in meeting continuous collecting in preset duration.The preset duration can
Rationally it is arranged with the actual demand verified according to air control, for example can be set to one week or two weeks.Mobile terminal can pass through
GPS positioning device obtains the location information of itself, and the location information that then will acquire submits to server.
102, map canvas is constructed using canvas component；
After collecting the location information of mobile terminal, canvas component (such as canvas towards Html5) structure is used
Build map canvas.
103, the location information is added in the map canvas, obtains the motion track of the mobile terminal；
Collected location information is added in the map canvas, the motion track of the mobile terminal is obtained.Than
Such as, learn that user is moved to city B from city A according to location information, then it can be in the map canvas from city A to city B
Depict a motion track, and label time sequence.It is all location informations that will record acquisition time in fact that track, which is described,
It is inserted into an array, all anchor points in the array are then depicted on map, finally by adjacent node according to map
Existing path is connected by smoothed curve fills.
104, judge whether the motion track meets preset condition；
After the motion track for obtaining the mobile terminal, judge whether the motion track meets preset condition,
To determine whether the business application of the user can be verified by air control.The rule that the preset condition can be verified according to air control
Then rationally setting, can specifically include following various ways:
Mode one:
(1) the inhabitation address or business address of the user that presently described mobile terminal logs in are obtained；
(2) statistics is fallen into centered on the inhabitation address or business address, and radius is the range area of first distance
The quantity of the first location information in domain；
(3) if the ratio of number of the quantity of first location information and collected all location informations is greater than third threshold
Value, then determine that the motion track meets preset condition.
The inhabitation address or business address of the user that presently described mobile terminal logs in, the inhabitation address are obtained first
Or business address can be by the preparatory typing of the user, for example inserts in terminal APP oneself inhabitation address and job note
Bit address, and these address informations are uploaded to server.Then statistics is fallen into the inhabitation address or business address
Centered on, radius be first distance range areas in the first location information quantity, such as statistics fall into inhabitation address or
Have an area of the quantity of the location information in 5 kilometers in business address.If the quantity of the location information counted on and collected institute
There is the ratio of number of location information to be greater than third threshold value (such as 80%), then shows user's basic activity in inhabitation address or work
Near office address, so as to conclude that inhabitation address or the business address of user's typing are true, therefore the shifting is determined
Dynamic rail mark meets preset condition.
Mode two:
(1) the inhabitation address or business address of the user that presently described mobile terminal logs in are obtained；
(2) from search falls into the inhabitation address or business address and is in collected all location informations
The heart, radius are the second location information in the range areas of second distance；
(3) if the acquisition time of second location information is covered continuous X days, it is pre- to determine that the motion track meets
If condition, X is integer greater than 1.
In this mode, the location information includes corresponding acquisition time namely each collected location information
With corresponding acquisition time.With obtaining inhabitation address or the work unit for the user that presently described mobile terminal logs in first
Location, the inhabitation address or business address can be by the preparatory typings of the user.Then from collected all location informations
Search is fallen into centered on the inhabitation address or business address, and radius is fixed for second in the range areas of second distance
Position information, such as search fall into all location informations in 5 kilometers of inhabitation address or business address circumference.If these are positioned
The acquisition time of information, which is covered continuous X days, (for example can collect daily in continuous 10 days and fall into inhabitation address or work
The location information in 5 kilometers is had an area of in office address, shows to go to the inhabitation address or work unit in user continuous 10 days
Near address), then it can be concluded that the inhabitation address of user's typing substantially or business address be true, therefore determine the moving rail
Mark meets preset condition.
Mode three:
(1) the inhabitation address or business address of the user that presently described mobile terminal logs in are obtained；
(2) it searches for and is fallen into the inhabitation address or work unit from the location information in collected predetermined period
Centered on location, radius is the third location information in the range areas of third distance；
(3) user is determined according to the third location information and the corresponding acquisition time of the third location information
The number of the inhabitation address or business address is gone in the predetermined period；
(4) if the number is greater than the 4th threshold value, determine that the motion track meets preset condition.
In this mode, the location information equally includes corresponding acquisition time.It obtains first presently described mobile whole
The inhabitation address or business address of the user logged in are held, the inhabitation address or business address can be preparatory by the user
Typing.Then from the location information in collected predetermined period (such as in one week) search fall into the inhabitation address or
Centered on business address, radius is the third location information in the range areas of third distance, for example search falls into inhabitation
All location informations in 5 kilometers are had an area of in address or business address.Then according to the third location information and described
The corresponding acquisition time of third location information determines that the user goes to the inhabitation address or work in the predetermined period
The number of unit address, such as time corresponding to the third location information that searches in week age cover Monday to star
Every day in phase five can then determine without searching the third location information that acquisition time is Saturday and Sunday
It is 5 times that the user goes to the number of the inhabitation address or business address in week age.If the number is greater than
4th threshold value (such as 4 times), then can be concluded that the inhabitation address of user's typing substantially or business address is true, therefore determine institute
It states motion track and meets preset condition.
If the motion track meets preset condition, 105 are thened follow the steps；If the motion track does not meet the item
Part thens follow the steps 106.
105, pass through the application of the credit operation；
The motion track meets preset condition, shows that air control verification passes through, therefore passes through the application of the credit operation.
106, refuse the application of the credit operation.
The motion track does not meet preset condition, shows that air control verification does not pass through, therefore refuses the credit operation
Application.
Then the location information of held mobile terminal of continuous collecting user in preset duration of the embodiment of the present invention uses picture
Obtained location information, is converted to the motion track of user, finally again by cloth component construction map canvas in the map canvas
By judge the motion track whether meet preset condition complete air control verification.Due to being wanted to the difficulty that motion track is played tricks
It is far longer than and plays tricks to single location information, therefore the application can be effectively reduced the possibility of playing tricks of user, to improve wind
The accuracy rate for controlling verification, reduces the debt-credit risk of bank.
Referring to Fig. 2, a kind of second embodiment of the measures and procedures for the examination and approval of credit operation includes: in the embodiment of the present invention
201, when receiving the request for the demand for credit business initiated by mobile terminal, according to mesh in preset duration
Mark the location information of mobile terminal described in collection period continuous collecting；
When receiving the request for the demand for credit business initiated by mobile terminal, adopted in preset duration according to target
Collect the location information of mobile terminal described in period continuous collecting, such as described in the collection period continuous collecting in one week with 3 seconds
The location information of mobile terminal, i.e., the location information of acquisition in every 3 seconds.
Wherein, the target collection period can be determined by following steps:
(1) identity information for the user that presently described mobile terminal logs in is obtained；
(2) credit rating corresponding with the identity information is inquired from the credit index storehouse constructed in advance；
(3) the target collection period, the credit rating and target acquisition week are calculated according to the credit rating
Phase is positively correlated.
After terminal registering service APP, server can be inquired from database corresponding user according to its login account
Identity information.Then, then from the credit index storehouse constructed in advance inquire credit rating corresponding with the identity information.Finally,
The target collection period is calculated according to the credit rating, the credit rating and the target collection period are positively correlated,
The the i.e. described credit rating the high, and the target collection period being arranged is higher.Credit rating is higher, illustrates that the user plays tricks to location information
A possibility that it is lower, excessively need not continually acquire its location information at this time, therefore higher collection period is set.
Further, after the target collection period is calculated according to the credit rating, can also include:
(1) if the degree of fluctuation between multiple location informations that continuous acquisition arrives is less than first threshold, according to default ratio
Example improves the target collection period；
(2) if the degree of fluctuation between multiple location informations that continuous acquisition arrives is greater than second threshold, according to default ratio
Example reduces the target collection period, and the second threshold is greater than the first threshold.
In the collection process of location information, the fluctuation journey between multiple location informations that can also be arrived according to continuous acquisition
Degree adjusts collection period in real time.If the degree of fluctuation between multiple location informations that continuous acquisition arrives is less than first threshold, show
User is substantially at stationary state, need not frequently acquire location information at this time, therefore can improve the mesh according to preset ratio
Mark collection period.And if the degree of fluctuation between multiple location informations that continuous acquisition arrives is greater than second threshold, shows user
In lasting moving condition, the frequency of acquisition location information can be promoted at this time, i.e., reduce the target according to preset ratio
Collection period.
202, the location information is converted into address information；
After collecting location information, these location informations are converted into address information, also turn latitude and longitude information
It is changed to specific place name.The longitude and latitude of GPS positioning information is converted to specifically specifically, Baidu map API can be used
City, block name, for example some GPS positioning information (116 ° of 23 ' 17 〃 of east longitude, north latitude: 39 ° of 54 ' 27 〃) that will acquire turns
It is changed to " Beijing Tian'anmen Square ".
203, using canvas component map making painting canvas, and the address information is indicated in the map canvas；
In the present embodiment, using canvas component map making painting canvas.Specifically, according to the city, the street that are converted to
Area or building name draw a map canvas using canvas component, and describe in the map canvas and record user
Motion track.
Further, certain places relevant to business application can also be highlighted in the map canvas.For example,
The inhabitation address and business address of available user's input, then (change in the map canvas in a specified pattern
The size of color or icon, Dynamically Announce etc.) protrude the inhabitation address and business address.
204, the location information is added in the map canvas, obtains the motion track of the mobile terminal；
205, judge whether the motion track meets preset condition；
If the motion track meets preset condition, 206 are thened follow the steps；If the motion track does not meet the item
Part thens follow the steps 207.
206, pass through the application of the credit operation；
207, refuse the application of the credit operation.
Step 204-207 is identical as step 103-106, specifically can refer to the related description of step 103-106.
The embodiment of the present invention is determined in preset duration according to target collection period the held mobile terminal of continuous collecting user
Position information, then constructs map canvas using canvas component, obtained location information is converted to user in the map canvas
Motion track, finally again by judge the motion track whether meet preset condition complete air control verification.Due to shifting
The difficulty that dynamic rail mark is played tricks, which will be far longer than, plays tricks to single location information, therefore the application can be effectively reduced playing tricks for user
Possibility reduces the debt-credit risk of bank to improve the accuracy rate of air control verification.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Essentially describe a kind of measures and procedures for the examination and approval of credit operation above, below by the examination & approval device to a kind of credit operation into
Row detailed description.
Referring to Fig. 3, a kind of one embodiment of the examination & approval device of credit operation includes: in the embodiment of the present invention
Locating information acquisition module 301, for when the request for receiving the demand for credit business initiated by mobile terminal
When, the location information of mobile terminal described in continuous collecting in preset duration；
Map canvas constructs module 302, for constructing map canvas using canvas component；
Motion track constructs module 303 and obtains the shifting for the location information to be added in the map canvas
The motion track of dynamic terminal；
Business approval passes through the credit industry if meeting preset condition for the motion track by module 304
The application of business；
Business approval refuses module 305 and refuses the credit industry if not meeting the condition for the motion track
The application of business.
Further, the locating information acquisition module specifically can be used for:
According to the location information of mobile terminal described in target collection period continuous collecting in preset duration；
The examination & approval device of the credit operation can also include:
Identity information acquisition module, for obtaining the identity information for the user that presently described mobile terminal logs in；
Credit rating enquiry module, for inquiring letter corresponding with the identity information from the credit index storehouse constructed in advance
Expenditure；
Collection period computing module, for the target collection period, the credit to be calculated according to the credit rating
Degree and the target collection period are positively correlated.
Further, the examination & approval device of the credit operation can also include:
First collection period adjust module, if for continuous acquisition to multiple location informations between degree of fluctuation be less than
First threshold then improves the target collection period according to preset ratio；
Second collection period adjust module, if for continuous acquisition to multiple location informations between degree of fluctuation be greater than
Second threshold, then reduce the target collection period according to preset ratio, and the second threshold is greater than the first threshold.
Further, the map canvas building module may include:
Information conversion unit, for the location information to be converted to address information；
Map canvas drawing unit, for drawing the map canvas using canvas component, and in the map canvas
In indicate the address information.
Further, the examination & approval device of the credit operation can also include:
Address acquisition module, for obtaining inhabitation address or the work unit of the user that presently described mobile terminal logs in
Location；
Quantity statistics module is fallen into centered on the inhabitation address or business address for counting, radius the
The quantity of the first location information in the range areas of one distance；
First determination module, if for the quantity of first location information and the quantity of collected all location informations
The ratio between be greater than third threshold value, then determine that the motion track meets preset condition.
Further, the location information includes corresponding acquisition time, and the examination & approval device of the credit operation can be with
Include:
First location information search module is fallen into for searching for from collected all location informations with the residence
Centered on location or business address, radius is the second location information in the range areas of second distance；
Second determination module, if the acquisition time for second location information is covered continuous X days, described in judgement
Motion track meets preset condition, and X is the integer greater than 1.
Further, the location information includes corresponding acquisition time, and the examination & approval device of the credit operation can be with
Include:
Second location information search module is fallen into for searching for from the location information in collected predetermined period with institute
Centered on stating inhabitation address or business address, radius is the third location information in the range areas of third distance；
Number statistical module, when for according to the third location information and the corresponding acquisition of the third location information
Between determine that the user goes to the number of the inhabitation address or business address in the predetermined period；
It is preset to determine that the motion track meets if being greater than the 4th threshold value for the number for third determination module
Condition.
The embodiment of the present invention also provides a kind of computer readable storage medium, and the computer-readable recording medium storage has
Computer-readable instruction realizes any one letter indicated such as Fig. 1 or Fig. 2 when the computer-readable instruction is executed by processor
The step of measures and procedures for the examination and approval of loan business.
The embodiment of the present invention also provides a kind of server, including memory, processor and storage are in the memory
And the computer-readable instruction that can be run on the processor, the processor are realized when executing the computer-readable instruction
As Fig. 1 or Fig. 2 any one credit operation indicated the measures and procedures for the examination and approval the step of.
Fig. 4 is the schematic diagram for the server that one embodiment of the invention provides.As shown in figure 4, the server 4 of the embodiment wraps
It includes: processor 40, memory 41 and being stored in the computer that can be run in the memory 41 and on the processor 40
Readable instruction 42.The processor 40 realizes the examination & approval side of above-mentioned each credit operation when executing the computer-readable instruction 42
Step in method embodiment, such as step 101 shown in FIG. 1 is to 106.Alternatively, the processor 40 execute the computer can
The function of each module/unit in above-mentioned each Installation practice, such as the function of module 301 to 305 shown in Fig. 3 are realized when reading instruction 42
Energy.
Illustratively, the computer-readable instruction 42 can be divided into one or more module/units, one
Or multiple module/units are stored in the memory 41, and are executed by the processor 40, to complete the present invention.Institute
Stating one or more module/units can be the series of computation machine readable instruction section that can complete specific function, the instruction segment
For describing implementation procedure of the computer-readable instruction 42 in the server 4.
The server 4 can be desktop PC, notebook, palm PC and cloud server etc. and calculate equipment.
The server 4 may include, but be not limited only to, processor 40, memory 41.It will be understood by those skilled in the art that Fig. 4 is only
It is the example of server 4, does not constitute the restriction to server 4, may include than illustrating more or fewer components or group
Close certain components or different components, for example, the server 4 can also include input-output equipment, network access equipment,
Bus etc..
The processor 40 can be central processing unit (CentraL Processing Unit, CPU), can also be
Other general processors, digital signal processor (DigitaL SignaL Processor, DSP), specific integrated circuit
(AppLication Specific Integrated Circuit, ASIC), ready-made programmable gate array (FieLd-
ProgrammabLe Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 41 can be the internal storage unit of the server 4, such as the hard disk or memory of server 4.
The memory 41 is also possible to the External memory equipment of the server 4, such as the plug-in type being equipped on the server 4 is hard
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure DigitaL, SD) card, flash card
(FLash Card) etc..Further, the memory 41 can also both include the internal storage unit of the server 4 or wrap
Include External memory equipment.The memory 41 is for storing needed for the computer-readable instruction and the server other
Program and data.The memory 41 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the present invention
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-OnLy
Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey
The medium of sequence code.
The above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although referring to before
Stating embodiment, invention is explained in detail, those skilled in the art should understand that: it still can be to preceding
Technical solution documented by each embodiment is stated to modify or equivalent replacement of some of the technical features；And these
It modifies or replaces, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of measures and procedures for the examination and approval of credit operation characterized by comprising
When receiving the request for the demand for credit business initiated by mobile terminal, moved described in continuous collecting in preset duration
The location information of dynamic terminal；
Map canvas is constructed using canvas component；
The location information is added in the map canvas, the motion track of the mobile terminal is obtained；
If the motion track meets preset condition, pass through the application of the credit operation；
If the motion track does not meet the condition, refuse the application of the credit operation.
2. the measures and procedures for the examination and approval of credit operation according to claim 1, which is characterized in that described persistently to be adopted in preset duration
The location information for collecting the mobile terminal includes:
According to the location information of mobile terminal described in target collection period continuous collecting in preset duration；
Wherein, the target collection period is determined by following steps:
Obtain the identity information for the user that presently described mobile terminal logs in；
Credit rating corresponding with the identity information is inquired from the credit index storehouse constructed in advance；
The target collection period, the credit rating and the target collection period positive is calculated according to the credit rating
It closes.
3. the measures and procedures for the examination and approval of credit operation according to claim 2, which is characterized in that calculated according to the credit rating
To after the target collection period, further includes:
If the degree of fluctuation between multiple location informations that continuous acquisition arrives is less than first threshold, institute is improved according to preset ratio
State target collection period；
If the degree of fluctuation between multiple location informations that continuous acquisition arrives is greater than second threshold, institute is reduced according to preset ratio
Target collection period is stated, the second threshold is greater than the first threshold.
4. the measures and procedures for the examination and approval of credit operation according to claim 1, which is characterized in that described to use canvas component building ground
Picture cloth includes:
The location information is converted into address information；
The map canvas is drawn using canvas component, and indicates the address information in the map canvas.
5. the measures and procedures for the examination and approval of credit operation according to any one of claim 1 to 4, which is characterized in that the moving rail
Whether mark meets preset condition is determined by following steps:
Obtain the inhabitation address or business address of the user that presently described mobile terminal logs in；
Statistics is fallen into centered on the inhabitation address or business address, and radius is the in the range areas of first distance
The quantity of one location information；
If the ratio of number of the quantity of first location information and collected all location informations is greater than third threshold value, sentence
The fixed motion track meets preset condition.
6. the measures and procedures for the examination and approval of credit operation according to any one of claim 1 to 4, which is characterized in that the positioning letter
Breath includes corresponding acquisition time, and whether the motion track meets preset condition is determined by following steps:
Obtain the inhabitation address or business address of the user that presently described mobile terminal logs in；
It is fallen into centered on the inhabitation address or business address from search in collected all location informations, radius is
The second location information in the range areas of second distance；
If the acquisition time of second location information is covered continuous X days, determine that the motion track meets preset item
Part, X are the integer greater than 1.
7. the measures and procedures for the examination and approval of credit operation according to any one of claim 1 to 4, which is characterized in that the positioning letter
Breath includes corresponding acquisition time, and whether the motion track meets preset condition is determined by following steps:
Obtain the inhabitation address or business address of the user that presently described mobile terminal logs in；
From search falls into the inhabitation address or business address and is in the location information in collected predetermined period
The heart, radius are the third location information in the range areas of third distance；
Determine the user described according to the third location information and the corresponding acquisition time of the third location information
The number of the inhabitation address or business address is gone in predetermined period；
If the number is greater than the 4th threshold value, determine that the motion track meets preset condition.
8. a kind of computer readable storage medium, the computer-readable recording medium storage has computer-readable instruction, special
Sign is, the credit industry as described in any one of claims 1 to 7 is realized when the computer-readable instruction is executed by processor
The step of measures and procedures for the examination and approval of business.
9. a kind of server, including memory, processor and storage can transport in the memory and on the processor
Capable computer-readable instruction, which is characterized in that the processor realizes following steps when executing the computer-readable instruction:
When receiving the request for the demand for credit business initiated by mobile terminal, moved described in continuous collecting in preset duration
The location information of dynamic terminal；
Map canvas is constructed using canvas component；
The location information is added in the map canvas, the motion track of the mobile terminal is obtained；
If the motion track meets preset condition, pass through the application of the credit operation；
If the motion track does not meet the condition, refuse the application of the credit operation.
10. server according to claim 9, which is characterized in that described to be moved described in continuous collecting in preset duration
The location information of terminal includes:
According to the location information of mobile terminal described in target collection period continuous collecting in preset duration；
Wherein, the target collection period is determined by following steps:
Obtain the identity information for the user that presently described mobile terminal logs in；
Credit rating corresponding with the identity information is inquired from the credit index storehouse constructed in advance；
The target collection period, the credit rating and the target collection period positive is calculated according to the credit rating
It closes.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810940534.0A CN109325657A (en) | 2018-08-17 | 2018-08-17 | A kind of measures and procedures for the examination and approval of credit operation, storage medium and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810940534.0A CN109325657A (en) | 2018-08-17 | 2018-08-17 | A kind of measures and procedures for the examination and approval of credit operation, storage medium and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109325657A true CN109325657A (en) | 2019-02-12 |
Family
ID=65264555
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810940534.0A Pending CN109325657A (en) | 2018-08-17 | 2018-08-17 | A kind of measures and procedures for the examination and approval of credit operation, storage medium and server |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109325657A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110503546A (en) * | 2019-07-15 | 2019-11-26 | 平安普惠企业管理有限公司 | Location information antifraud method and relevant device based on information security |
| CN111738747A (en) * | 2020-06-24 | 2020-10-02 | 中诚信征信有限公司 | Method and device for anti-fraud decision |
| CN112163043A (en) * | 2020-09-27 | 2021-01-01 | 万汇互联(深圳)科技有限公司 | CopyTrade signal replication system |
| CN112651841A (en) * | 2020-12-18 | 2021-04-13 | 中国平安人寿保险股份有限公司 | Online business handling method and device, server and computer readable storage medium |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104599175A (en) * | 2015-02-05 | 2015-05-06 | 上海百筹金融信息服务有限公司 | Personal finance credit evaluation system based on big data |
| CN107578331A (en) * | 2017-09-19 | 2018-01-12 | 马上消费金融股份有限公司 | Method and system for monitoring risk after loan |
-
2018
- 2018-08-17 CN CN201810940534.0A patent/CN109325657A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104599175A (en) * | 2015-02-05 | 2015-05-06 | 上海百筹金融信息服务有限公司 | Personal finance credit evaluation system based on big data |
| CN107578331A (en) * | 2017-09-19 | 2018-01-12 | 马上消费金融股份有限公司 | Method and system for monitoring risk after loan |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110503546A (en) * | 2019-07-15 | 2019-11-26 | 平安普惠企业管理有限公司 | Location information antifraud method and relevant device based on information security |
| CN111738747A (en) * | 2020-06-24 | 2020-10-02 | 中诚信征信有限公司 | Method and device for anti-fraud decision |
| CN112163043A (en) * | 2020-09-27 | 2021-01-01 | 万汇互联(深圳)科技有限公司 | CopyTrade signal replication system |
| CN112651841A (en) * | 2020-12-18 | 2021-04-13 | 中国平安人寿保险股份有限公司 | Online business handling method and device, server and computer readable storage medium |
| CN112651841B (en) * | 2020-12-18 | 2024-04-19 | 中国平安人寿保险股份有限公司 | Online business handling method, online business handling device, server and computer readable storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20210174220A1 (en) | Prediction processing system and method of use and method of doing business | |
| Morabito | Big data and analytics | |
| CN109325657A (en) | A kind of measures and procedures for the examination and approval of credit operation, storage medium and server | |
| Mahajan et al. | Diffusion of new products: Empirical generalizations and managerial uses | |
| CN109285075A (en) | A kind of Claims Resolution methods of risk assessment, device and server | |
| US9098805B2 (en) | Prediction processing system and method of use and method of doing business | |
| Evers | Reflections on territorial cohesion and European spatial planning | |
| US8342928B1 (en) | Market-based simulation game and system | |
| Chopra | Innovative state: How new technologies can transform government | |
| Ni et al. | China urban competitiveness in industrialization: Based on the panel data of 25 cities in China from 1990 to 2009 | |
| CN110046174B (en) | population migration analysis method and system based on big data | |
| US20140351154A1 (en) | Episodic social networks | |
| Hungerland et al. | The digital economy | |
| WO2013091022A1 (en) | An improved computer based ballot system and process | |
| JP2020027650A (en) | Quiz system question, reply service providing method and system | |
| KR102223640B1 (en) | Cloud-based personalized contents subscription service providing system and method thereof | |
| Li et al. | Is the Chinese skyscraper boom excessive? | |
| CN106354719A (en) | Method for providing POI service , method and apparatus for POI data processing | |
| Santos et al. | Can recreational ecosystem services be inferred by integrating non-parametric scale estimators within a modelling framework? The birdwatching potential index as a case study | |
| CN110196951A (en) | User matching method and equipment | |
| CN117435819A (en) | Method, system and storage medium for recommending interest points through space-time dynamic perception | |
| O'neil et al. | Two futures: Australia at a critical moment | |
| Hasan | Modeling urban mobility dynamics using geo-location data | |
| Staley et al. | Knowledge towns: Colleges and universities as talent magnets | |
| WO2015035206A1 (en) | Prediction processing system and method of use and method of doing business |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20190212 |