CN109636568A - Risk checking method, device, equipment and the storage medium of telephone number - Google Patents
Risk checking method, device, equipment and the storage medium of telephone number Download PDFInfo
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- CN109636568A CN109636568A CN201811248852.7A CN201811248852A CN109636568A CN 109636568 A CN109636568 A CN 109636568A CN 201811248852 A CN201811248852 A CN 201811248852A CN 109636568 A CN109636568 A CN 109636568A
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- 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
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Abstract
The present invention provides risk checking method, device, equipment and the storage medium of a kind of telephone number, the company telephone number of loan application person is integrated and is associated with other information (information and history credit information including loan application person) in a manner of " relationship ", is conducive to determine contacting between company telephone number and other information；And the processing logic for contaminating black (or dye ash) is combined to analyze and detect the risk of company telephone number, to which potential credit risk of fraud be effectively predicted based on big data association analysis processing mode, improve the accuracy of credit risk detection, early warning more effectively can be carried out to potential risk, can find as soon as possible and avoid risk and reduce loan bad credit rate.
Description
Technical field
The present invention relates to big data field more particularly to a kind of risk checking method of telephone number, device, equipment and deposit
Storage media.
Background technique
With the fast development of society and financial industry, credit operation is active in market.Credit agency is to loan application
Before person makes loans, may require that loan application, person provides relevant data information, to carry out risk inspection according to these data informations
It surveys, determines its risk of fraud；And in the data information that credit agency is audited, it include company telephone number.Traditional
Detection method is when auditing company telephone number, to the true of firm telephone information usually by way of call-on back by phone
Reality is verified, but has ignored the relevance between firm telephone and other credit informations in this method, increases risk
Misdetection rate, to reduce the accuracy of firm telephone risk supervision.
Summary of the invention
The main purpose of the present invention is to provide a kind of risk checking method of telephone number, device, equipment and readable deposit
Storage media, it is intended to improve the accuracy of credit risk detection.
To achieve the above object, the present invention provides a kind of risk checking method of telephone number, the wind of the telephone number
Dangerous detection method includes:
In the credit request for receiving loan terminal transmission, the company that the credit requests corresponding credit applications person is obtained
The base address of telephone number and the credit applications person；
It is inquired to obtain indirect taking-over market according to the company telephone number, and includes according to the indirect taking-over market
Indirect CompanyAddress, the base address and default correlation rule, between the company telephone number and the base address
Establish association；
It is inquired in default credit record storehouse according to the indirect taking-over market and the indirect taking-over market is matched goes through
History credit part, and establish and be associated between the company telephone number and the history credit part；
The relationship degree between the company telephone number and each related information is calculated according to preset relation degree formula, wherein institute
Stating each related information includes the base address and the history credit part；
When the related information belongs to black list information, judge whether the relationship degree is greater than preset relation threshold value；
If the relationship degree is greater than preset relation threshold value, it is determined that the company telephone number is risk number.
In addition, to achieve the above object, the present invention also provides a kind of risk supervision device of telephone number, the phone numbers
Code risk supervision device include:
Request receiving module, for obtaining the credit request pair in the credit request for receiving loan terminal transmission
The answer credit applications company telephone number of person and the base address of the credit applications person；
First relating module obtains indirect taking-over market for inquiring according to the company telephone number, and according to described
Indirect CompanyAddress, the base address and default correlation rule that indirect taking-over market includes, in the company telephone number
It establishes and is associated between the base address；
Second relating module is used to be inquired in default credit record storehouse according to the indirect taking-over market and described indirect
The matched history credit part of taking-over market, and establish and be associated between the company telephone number and the history credit part；
Relationship degree computing module, for calculating the company telephone number and each related information according to preset relation degree formula
Between relationship degree, wherein each related information includes the base address and the history credit part；
Relationship degree judgment module, for whether judging the relationship degree when the related information belongs to black list information
Greater than preset relation threshold value；
Number determining module, if being greater than preset relation threshold value for the relationship degree, it is determined that the company telephone number
For risk number.
In addition, to achieve the above object, the present invention also provides a kind of risk supervision equipment of telephone number, the phone numbers
The risk supervision equipment of code includes processor, memory and is stored on the memory and can be executed by the processor
Risk supervision program realize such as above-mentioned telephone number wherein when the risk supervision program is executed by the processor
The step of risk checking method.
In addition, to achieve the above object, the present invention also provides a kind of storage medium, being stored on the storage medium risky
Program is detected, wherein realizing the risk supervision side such as above-mentioned telephone number when the risk supervision program is executed by processor
The step of method.
The present invention is in a manner of " relationship " by the company telephone number of loan application person and other information (including loan application
The information of person and history credit information) it integrates and is associated with, be conducive to determine between company telephone number and other information
Connection；And the processing logic for contaminating black (or dye ash) is combined to analyze and detect the risk of company telephone number, thus base
Potential credit risk of fraud is effectively predicted in big data association analysis processing mode, improves credit risk detection
Accuracy more effectively can carry out early warning to potential risk, can find as soon as possible and avoid risk and reduce loan bad credit rate.
Detailed description of the invention
Fig. 1 is the hardware structural diagram of the risk supervision equipment of telephone number involved in the embodiment of the present invention；
Fig. 2 is the flow diagram of the risk checking method first embodiment of telephone number of the present invention；
Fig. 3 is the information association schematic diagram that embodiment illustrated in fig. 2 is related to；
Fig. 4 is the functional block diagram of the risk supervision device first embodiment of telephone number of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present embodiments relate to the risk checking method of telephone number be mainly used in the risk supervision of telephone number
Equipment, the risk supervision equipment of the telephone number can be personal computer (personal computer, PC), notebook electricity
The equipment having data processing function such as brain, server.
Referring to Fig.1, Fig. 1 is the hardware configuration of the risk supervision equipment of telephone number involved in the embodiment of the present invention
Schematic diagram.In the embodiment of the present invention, the risk supervision equipment of telephone number may include (such as the central processing unit of processor 1001
Central Processing Unit, CPU), communication bus 1002, user interface 1003, network interface 1004, memory
1005.Wherein, communication bus 1002 is for realizing the connection communication between these components；User interface 1003 may include display
Shield (Display), input unit such as keyboard (Keyboard)；Network interface 1004 optionally may include that the wired of standard connects
Mouth, wireless interface (such as Wireless Fidelity WIreless-FIdelity, WI-FI interface)；Memory 1005 can be high speed and deposit at random
Access to memory (random access memory, RAM), is also possible to stable memory (non-volatile memory),
Such as magnetic disk storage, memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.This field
Technical staff is appreciated that hardware configuration shown in Fig. 1 and does not constitute a limitation of the invention, and may include more than illustrating
Or less component, perhaps combine certain components or different component layouts.
With continued reference to Fig. 1, the memory 1005 in Fig. 1 as a kind of computer readable storage medium may include operation system
System, network communication module and risk supervision program.In Fig. 1, network communication module can be used for connecting loan terminal, with loan
Terminal carries out data communication；And processor 1001 can call the risk supervision program stored in memory 1005, and execute sheet
The risk checking method for the telephone number that inventive embodiments provide.
The embodiment of the invention provides a kind of risk checking methods of telephone number.
It is the flow diagram of the risk checking method first embodiment of telephone number of the present invention referring to Fig. 2, Fig. 2.
In the present embodiment, the risk checking method of the telephone number the following steps are included:
Step S10 obtains the credit and requests corresponding credit applications in the credit request for receiving loan terminal transmission
The base address of the company telephone number of person and the credit applications person；
With the fast development of society and financial industry, credit operation is active in market.Credit agency is to loan application
Before person makes loans, may require that loan application, person provides relevant data information, to carry out air control point according to these data informations
Analysis, determines its risk of fraud；And in the data information that credit agency is audited, it include company telephone number.Traditional
Method is when auditing company telephone number, to the authenticity of firm telephone information usually by way of call-on back by phone
It is verified, but has ignored the relevance between firm telephone and other credit informations in this analysis method, to reduce
The accuracy of firm telephone analysis.In this regard, proposing a kind of risk checking method of telephone number in the present embodiment, it is based on big data
Potential credit risk of fraud is effectively predicted in association analysis processing mode, improves the accuracy of credit risk detection,
Early warning more effectively can be carried out to potential risk, can find as soon as possible and avoid risk and reduce loan bad credit rate.
The risk checking method of telephone number in the present embodiment is realized by the risk supervision equipment of telephone number, should
The risk supervision equipment of telephone number is illustrated by taking Analysis server as an example.In the present embodiment, loan application person need into
When row credit applications, credit can be carried out on loan terminal (such as PC PC, laptop, mobile phone, tablet computer)
Operation, loan terminal then send corresponding credit to Analysis server according to the operation of loan application person and request.Analysis server
In the credit request for receiving loan terminal transmission, the company's electricity for obtaining the place company (enterprise) of loan application person is first had to
Talk about number, the said firm's telephone number is that loan application person provides, such as can be Analysis server and ask receiving the credit
Firm telephone inquiry message is sent to loan terminal when asking, so that loan application person is providing a loan according to the said firm's telephone questionnaire information
The company telephone number that is manually entered in terminal is simultaneously sent to Analysis server；The person that can certainly be loan application is passing through loan
Money terminal carries out directly being manually entered company telephone number when credit operation, is added to the said firm's telephone number by loan terminal
It is sent to Analysis server together in credit request.
In the present embodiment, Analysis server is according to the same of the company telephone number of credit request credit applications person
When, the other essential informations for the person that also will acquire loan application, including loan application, person actively provides when carrying out loan application
Personal information, further include the environmental information for thering is Analysis server to detect.It include home address, work for personal information
Make address, unit address, bank account, cell-phone number, frequent contact etc., these personal information are also possible to loan application, and person exists
Through loan terminal when proposing loan application on network, voluntarily typing to loan terminal, and analysis is sent to by loan terminal
In server.It then include the IP address (Internet of the address GPS of loan terminal, loan terminal for environmental information
Protocol Address, Internet protocol address) etc.；These certain environmental informations may be to need to obtain loan application person's
Authorization post analysis server can just be obtained.In the essential information for the person that obtains loan application, Analysis server will basis
These essential informations get corresponding base address, such as home address, work address, IP address institute possession etc..
Step S20 inquires to obtain indirect taking-over market according to the company telephone number, and special according to the indirect company
Indirect CompanyAddress, the base address and default correlation rule that sign includes, in the company telephone number and described basic
Association is established between address；
Under normal circumstances, company telephone number provided by loan application person is the public affairs for being corresponding with a necessary being
Department, the said firm have a series of taking-over market information, including Business Name, CompanyAddress, company's type, method roster, stock
Eastern list etc.；In this regard, in the company telephone number for the person that gets loan application, Analysis server will to company telephone number into
Row Query with determine its corresponding taking-over market information；And the taking-over market for being inquired according to company telephone number
Information is illustrated for convenience of description in subsequent descriptions with " indirect taking-over market ".
Wherein, for the process of indirect taking-over market inquiry, it can analyze server and pass through crawler technology or other means
Known taking-over market information is crawled from relevant webpage, and pre-establishes known taking-over market library (known taking-over market library
In include the contents such as the corresponding address of Business Name and the said firm, phone, type), then Analysis server is further according to step
The company telephone number that S10 is got inquires matched indirect taking-over market.Specifically, Analysis server can be on network
Yellow page sites, encyclopaedia services sites etc. send feature acquisition request (Request), wait server in station response；If website
Server energy normal response will return to a request to Analysis Service and reply (Response), and reply includes that known company is special
Sign；If Analysis Service is replied in the request that the preset time has received website return, can reply to obtain according to the request
Know taking-over market, and forms known taking-over market library；Analysis server in the company telephone number for the person that gets loan application,
Can according to the said firm's telephone number query the known taking-over market library, find the known public affairs of telephone number having the same
Department, and the known taking-over market information of the known company is obtained as indirect taking-over market.It is worth noting that Analysis server
When crawling known taking-over market from yellow page sites (or encyclopaedia website etc.), the request that yellow page sites are returned is replied, time
Multiple format may include multiple types, such as hypertext markup language html, Json character string, binary data (such as picture) class
Type；Analysis server is when obtaining request reply, it is necessary first to and request is replied and is parsed accordingly, it is therein to obtain
Known taking-over market.Specifically, resolution rules corresponding to different reply types can be preset in Analysis server, such as
For html format, it can be and parsed by way of regular expression and/or web analysis library；For Json format,
It can be then converted into Json object parsing, such as parsed by eval function or by JSON.parse () method；
For binary data, then it can be and directly stored (or carrying out other processing).It is of course also possible to be Analysis server
It is connect with industrial and commercial administration system, when obtaining company telephone number, directly sends phone home inquiry to industrial and commercial administration system and ask
It asks, to inquire the corresponding Business Name of the said firm's telephone number, CompanyAddress, company's type etc..
In the present embodiment, the obtained indirect taking-over market of Analysis server includes indirect CompanyAddress, the indirect public affairs
Department address can be regarded as an address properties of company telephone number；Analysis server will be based on default association rule at this time
Then, the base address that obtains in the indirect CompanyAddress and step S10 is built between company telephone number and base address
Vertical association, so that the company telephone number that loan application person provides and other address informations that loan application person provides contacted
Come, forms address information network；In the address information network, the company telephone number of loan application person is also possible to regard one as
A address (indirect CompanyAddress), included at least in the address information network at this time two addresses (an indirect CompanyAddress with
At least one base address).And being associated with for company telephone number and base address, then it can be and established according to various ways
's.
Optionally, being associated with for company telephone number and base address, can be by establishing apart from matched mode
Distance match association.Specifically, then Analysis server determines first by actual position corresponding to each base address of determination
The actual distance of indirect CompanyAddress and base address corresponding to company telephone number；When the actual distance is less than pre-determined distance
When threshold value, distance matching can be established between company telephone number and the base address and is associated with.For example, according to firm telephone number
The indirect CompanyAddress that code inquiry obtains is the area a, the city Y, X province, and the business address that loan application person directly provides is that X saves Y
The area c, city, the two true address distance be 1000 meters, be less than pre-determined distance threshold value 5000m, then can establish therebetween away from
It is associated with from matching.It, can be from the dimension of actual range by company telephone number and base address by apart from matched interrelational form
It is associated, to carry out subsequent fraud analysis.
Optionally, being associated with for company telephone number and base address, can also be through address text fuzzy matching
Mode establish fuzzy matching association, that is, calculate the address text matches degree between indirect CompanyAddress and base address, if
The address text matches degree is greater than preset address threshold value, and fuzzy can be established between company telephone number and the base address
With association.Specifically, Analysis server first respectively quantifies indirect CompanyAddress and base address according to certain quantizing rule
Form for corresponding first address character group D1 and the second address character group D2, address character group can be (saving, city, area),
The form of certain rule and address character group can also be configured according to the actual situation；When quantifying to complete, Analysis Service
Device carries out union operation to the first address character group D1 and the second address character group D2 and obtains all-character group D (in the all-character group
Without containing duplicate element)；Then, Analysis server will be respectively according to each character of all-character group D in the first address character group
The frequency of occurrences in D1 and the second address character group D2 determines corresponding first address frequency group DD1 and the second address frequency group
DD2；It, can be by the first address frequency group DD1 and when obtaining the first address frequency group DD1 and the second address frequency group DD2
Double-address group of frequencies DD2 is substituting to the address text calculated between indirect CompanyAddress and base address in preset address matching formula
This matching degree, the preset address matching formula are as follows:
Wherein, address text matches of the sim (DD1, DD2) between the indirect CompanyAddress and the base address
Degree；N is the number of elements of the first address frequency group DD1 or described second address frequency group DD2；DD1i is first ground
Location i-th of element of group of frequencies DD1, second address frequency group i-th of element of DD2 described in DD2i, 0 < i≤n, and i are integer.If
The address text matches degree is greater than preset address threshold value, and fuzzy can be established between company telephone number and the base address
With association.It, can be similar to address text by company telephone number from the dimension of address text by the interrelational form of fuzzy matching
Base address be associated, to carry out subsequent analysis.
It is worth noting that being associated with if company telephone number can not be established with any one base address, illustrate the said firm
Telephone number has biggish information isolatism, can directly think that company telephone number is suspicious at this time, and the said firm is electric
Words number is determined as risk number.
Step S30 is inquired in default credit record storehouse and the indirect taking-over market according to the indirect taking-over market
Matched history credit part, and establish and be associated between the firm telephone and the history credit part；
In the present embodiment, while being associated with company telephone number with base address foundation, Analysis server can also root
Preset credit record is inquired according to the resulting indirect taking-over market (including indirect Business Name, indirect CompanyAddress) of step S20
Library, to determine whether that once someone's data of providing a loan using the indirect taking-over market as history carried out credit applications；If so, then analyzing
Server will obtain history credit part corresponding with the indirect taking-over market, may also comprise in the history credit part including electricity
Talk about the history credit informations such as number, bank's card number, address (including a variety of addresses), certificate number.For example, Analysis server is according to loan
Money applicant this (in March, 18) applies for that provided company telephone number, the indirect Business Name of inquiry are the city Y, X province ZL quotient
Trade Co., Ltd；For the indirect Business Name, Analysis server inquired in credit record storehouse once someone in March, 17 with
Identical Business Name carries out credit applications (the loan application person being likely to be twice is the employee for belonging to same company), this
When Analysis server will acquire the history credit part in the March, 17, and between the said firm's telephone number and history credit part
Establish association.
Further, Analysis server, can during inquiring the history credit part of wind wind according to indirect taking-over market
To be to be inquired according to a variety of indirect taking-over markets, such as pass through indirect CompanyAddress, indirect shareholder, indirect company
Title etc..And for different types of indirect taking-over market, matching rule can also be different；Such as indirect CompanyAddress
Matching, can be and carry out by the way of the matching of the distance described in the above-mentioned steps S20 and/or address text fuzzy matching；
For indirect shareholder, can be using name accurately matched mode carry out (i.e. the company of loan application person have it is identical
Shareholder)；Matching for indirect Business Name can be using accurate matching (i.e. Business Name is completely the same) or name
The mode of text fuzzy matching is claimed to carry out.
Further, for the name text fuzzy matching of Business Name, rule and the address text mould in step S20
Paste matching has similarity.Specifically, Analysis server is first according to certain Business Name quantizing rule by indirect company
Title and history Business Name (Business Name of history credit part) are quantified as corresponding first title character group S1 and second place
Claiming character group S2, the form for name character group is (administrative region, keyword, industry attribute, company's form), such as
The city Y ZL commerce and trade Co., Ltd, X province is then quantified as (city Y, X province, ZL, commerce and trade, Co., Ltd), and SZ hardware factory, the city Y, X province is then measured
It turns to (city Y, X province, SZ, hardware, factory), the form of certain the said firm's title quantizing rule and character group can also be according to practical feelings
Condition is configured；When quantifying to complete, Analysis server carries out simultaneously the first title character group S1 and the second title character group S2
Set operation obtains full name character group S (without containing duplicate element in the full name character group)；Then, Analysis server will divide
Not according to each character of full name character group S in the first title character group S1 and the second title character group S2 the frequency of occurrences, really
Fixed corresponding first title group of frequencies SS1 and the second title group of frequencies SS2；Obtaining the first title group of frequencies SS1 and second place
When claiming group of frequencies SS2, the first title group of frequencies SS1 and the second title group of frequencies SS2 can be substituting to preset name text
With the name text matching degree for calculating two titles in formula, the preset name text matches formula are as follows:
Sim (SS1, SS2) is the name text matching degree between two titles in above formula, and p is the first title group of frequencies SS1
Or second title group of frequencies SS2 number of elements；SS1i is i-th of element of the first title group of frequencies SS1, the described in SS2i
Two title group of frequencies i-th of element of SS2,0 < i≤n, and i are integer.In the name text matching degree that two titles are calculated
When, it can be by name text matching degree and a preset title threshold value comparison；If the name text matching degree is greater than the preset name
Threshold value, then two name-matches.
Certainly, in practice, different matching rules can also be set according to the actual situation.
It is worth noting that the base address and history that are directly linked in this present embodiment with company telephone number
Credit part can be described as once connection information；And for once connection information, it is also possible to can have with other information and be associated with, example
Work address in such as base address is associated with, base address with the unit entity (such as flat type, unit shareholder) of the address
Middle home address is associated with the cell information (such as cell room rate, residential property information) of the address, in another example history credit part
It is associated with the repayment situation of the history credit part, creditor etc.；For the other information of these and once connection information association, it is
Description is convenient, can be described as secondary related information, these secondary related informations can be regarded as and company telephone number indirect association；Once
Related information and secondary related information are referred to as related information, and it is (straight that company telephone number and related information all have incidence relation
Connect association or indirect association).The rest may be inferred, company telephone number can also with related information three times, four secondary association information etc. into
Row association, so that information association map (information association network) is established, to carry out subsequent wind using company telephone number as starting point
Danger analysis.
Step S40 calculates the relationship between the company telephone number and each related information according to preset relation degree formula
Degree, wherein each related information includes the base address and the history credit part；
In the present embodiment, after company telephone number is associated with base address, the foundation of history credit part, Analysis server will
According to the relationship degree between preset relation degree formula Computer Corp.'s telephone number and each related information, wherein these related information packets
Include base address and history credit part.And for the relationship degree between company telephone number and related information, then it is considered as public affairs
Close characterization is contacted between department's telephone number and related information；Relationship degree is bigger, and the connection of the two is closer.It wherein presets and closes
Degree of being formula are as follows:
Wherein relationship degree of the f between company telephone number and related information；
M in the most short associated path between company telephone number and related information routing information quantity (or for close
Two endpoints of the information content on tethers, relation chain are respectively company telephone number and related information), it can be according to firm telephone
Incidence relation between number and related information determines, and routing information includes company telephone number and related information, m >=2；Value
It must illustrate, the related information associated by the company telephone number includes once connection information, secondary related information, closes three times
Whens joining information etc., if that calculate is the relationship degree of once connection information and company telephone number, m=2, if what is calculated is secondary
The relationship degree of related information and company telephone number, then m=3, and so on；
k0For pre-determined distance coefficient corresponding with the information type of related information, 0 < k0；For the k of all kinds of related informations0,
It can be in Analysis server and preset, as being previously stored with information coefficient table in Analysis server, remember in information coefficient table
Record has k corresponding to each related information of class0Value, Analysis server can be inquired according to the information type for the related information to be calculated should
Information coefficient table is so that it is determined that k out0Value；
x0For preset strength coefficient corresponding with the information type of related information, 0 < x0；For above-mentioned information coefficient table,
Also record has x corresponding to each related information of class0Value, Analysis server can be looked into according to the information type for the related information to be calculated
The information coefficient table is ask so that it is determined that x out0Value；
kiFor the corresponding correlation distance coefficient of routing information each in most short associated path, 0 < ki；kiIt can be according to path
The correlation distance d of most short associated path between information and related informationi(the relationship number in i.e. most short relation chain) and default pass
Join range formula to determine, and the k in default correlation distance formulaiWith diNegatively correlated relationship, diIt is bigger, kiIt is smaller；Certainly pre-
It is configured according to the actual situation if correlation distance formula can be, such as ki=di -1；
xiFor the corresponding relationship strength coefficient of routing information each in most short associated path, 0 < xi；xiWith routing information
Information type it is related, such as home address relationship strength coefficient be greater than unit address relationship strength coefficient；For above-mentioned
Information coefficient table, also record have x corresponding to each routing information of classiValue, Analysis server can be believed according to the path to be calculated
The information type of breath inquires the information coefficient table so that it is determined that x outiValue；
uiFor the corresponding decay factor coefficient of routing information each in most short associated path, 0 < ui≤1；, uiWith path
The information type of information is related, for example, home address decay factor coefficient be less than unit address decay factor coefficient；For
Above-mentioned information coefficient table, also record have x corresponding to each routing information of classiValue, Analysis server can be according to the road to be calculated
The information type of diameter information inquires the information coefficient table so that it is determined that x outiValue.
Specifically, in the degree of association of Computer Corp.'s telephone number and a certain related information, first according to the pass to be calculated
The information type query information coefficient table for joining information, obtains the pre-determined distance coefficient k of the related information0With preset strength coefficient x0；
Then the calculated relationship path that the two is determined according to the incidence relation of company telephone number and the related information, wherein if company is electric
There is a plurality of relation path between words number and the related information, then choice relation number least one is used as calculated relationship path
(i.e. most short relation path)；When determining calculated relationship path, all routing informations on the calculated relationship path will be determined
(including company telephone number and the related information), and according to all routing informations in calculated relationship path respectively with related information
Correlation distance, each routing information information type, strength of association etc. determine the corresponding correlation distance coefficient k of each routing informationi、
Decay factor coefficient uiWith strength of association coefficient xi, then each parameter is substituting in above-mentioned formula, firm telephone number can be calculated
The relationship degree of code and the related information.Analysis server is calculating to obtain relationship degree between company telephone number and the related information
When, it also produces corresponding information association figure and marks relationship degree, as shown in figure 3, related information includes home address in Fig. 3
(relationship degree 73), mobile phone ownership place (relationship degree 80), history credit part 20173xx (relationship degree 58).
Step S40 judges whether the relationship degree is greater than preset relation when the related information belongs to black list information
Threshold value；
In the present embodiment, Analysis server is when obtaining the relationship degree between company telephone number and the related information, i.e.,
Risk of fraud analysis can be carried out to company telephone number by contaminating black logic (or contaminating grey logic).Specifically, when a certain association is believed
When breath belongs to black list information (or the related information is confirmed as falseness), if mobile phone ownership place is that (fraud is more in blacklist region
Send out area), history credit part it is overdue etc., Analysis server is by the relationship degree between judgement letter company telephone number and the related information
Whether it is greater than preset threshold, that is, passes through the risk of close relation degree association analysis company telephone number between the two.
Step S50, if the relationship degree is greater than preset relation threshold value, it is determined that the company telephone number is risk number
Code.
In the present embodiment, if the relationship degree between company telephone number and the blacklist related information is greater than preset threshold,
Then it is believed that company telephone number is also suspicious, and the said firm's telephone number is determined as risk number.
Further, when determining company telephone number is risk number, Analysis server can also be given according to relationship degree
Relevant treatment advice out.Such as default review threshold value is provided in Analysis server, wherein default review threshold value is greater than default
Relationship threshold；When determining that company telephone number is risk number (between company telephone number and the blacklist related information
Relationship degree is greater than preset threshold), will also judge whether the relationship degree between company telephone number and the blacklist related information is big
In default review threshold value；If the relationship degree is greater than default review threshold value, the suggestion that Analysis server makes loans output refusal；If
The relationship degree is less than or equal to default review threshold value, then Analysis server will export the suggestion of manual review.Side in this way
Formula can reduce False Rate while improving the accuracy of credit risk analysis.
Further, Analysis server can also generate after the risk to company telephone number is analyzed
Corresponding analysis report, the content of analysis report may include that company telephone number and base address, history credit part are established and closed
Establishment process (including calculating process), information association figure, relationship degree calculating and deterministic process of connection etc., for analysis, personnel are looked into
It sees.
In the credit request for receiving loan terminal transmission, the company that the credit requests corresponding credit applications person is obtained
The base address of telephone number and the credit applications person；It is inquired to obtain indirect taking-over market according to the company telephone number,
And according to the indirect taking-over market include indirect CompanyAddress, the base address and default correlation rule, in the public affairs
It establishes and is associated between department's telephone number and the base address；It is looked into default credit record storehouse according to the indirect taking-over market
Inquiry and the indirect matched history credit part of taking-over market, and between the company telephone number and the history credit part
Establish association；The relationship degree between the company telephone number and each related information is calculated according to preset relation degree formula, wherein
Each related information includes the base address and the history credit part；When the related information belongs to black list information
When, judge whether the relationship degree is greater than preset relation threshold value；If the relationship degree is greater than preset relation threshold value, it is determined that described
Company telephone number is risk number.In the above manner, what the present embodiment was provided loan application person in a manner of " relationship "
Company telephone number is integrated and is associated with other information (information and history credit information including loan application person), favorably
In determining contacting between company telephone number and other information；And combine the processing logic for contaminating black (or dye ash) to firm telephone
The risk of number is analyzed and is detected, thus based on big data association analysis processing mode to potential credit risk of fraud into
It has gone and has been effectively predicted, improved the accuracy of credit risk detection, early warning more effectively can have been carried out to potential risk, it can be as early as possible
Ground finds and avoids risk and reduce loan bad credit rate.
In addition, the embodiment of the present invention also provides a kind of risk supervision device of telephone number.
It is the functional block diagram of the risk supervision device first embodiment of telephone number of the present invention referring to Fig. 4, Fig. 4.
In the present embodiment, the risk supervision device of the telephone number includes:
Request receiving module 10, for obtaining the credit request in the credit request for receiving loan terminal transmission
The company telephone number of corresponding credit applications person and the base address of the credit applications person；
First relating module 20 obtains indirect taking-over market for inquiring according to the company telephone number, and according to institute
State indirect CompanyAddress, the base address and default correlation rule that indirect taking-over market includes, in the firm telephone number
Code is associated with establishing between the base address；
Second relating module 30, between inquiring in default credit record storehouse according to the indirect taking-over market and is described
The matched history credit part of taking-over market is connect, and establishes and is associated between the company telephone number and the history credit part；
Relationship degree computing module 40, for calculating the company telephone number and each association letter according to preset relation degree formula
Relationship degree between breath, wherein each related information includes the base address and the history credit part；
Relationship degree judgment module 50, for when the related information belongs to black list information, judging that the relationship degree is
It is no to be greater than preset relation threshold value；
Number determining module 60, if being greater than preset relation threshold value for the relationship degree, it is determined that the firm telephone number
Code is risk number.
Wherein, each virtual functions module of the risk supervision device of above-mentioned telephone number is stored in telephone number shown in Fig. 1
Risk supervision equipment memory 1005 in, for realizing risk supervision program institute it is functional；Each module is by processor
, it can be achieved that being integrated and being associated with company telephone number with much information when 1001 execution, and combines and contaminate black (or dye ash)
Handle the function that logic carries out risk analysis to company telephone number.
Further, the risk supervision device of the telephone number further include:
Receiving module is replied, for sending feature acquisition request to the default yellow page sites, and receives the default Huang
The request that page website returns is replied；
Feature database forms module, and the reply format for being replied according to the request obtains corresponding resolution rules, and root
Request reply is parsed according to the resolution rules, obtains known taking-over market, to form known taking-over market library；
First relating module 20 includes:
Feature obtains module, for according to the company telephone number inquiry known taking-over market library, acquisition and institute
State the matched indirect taking-over market of company telephone number.
Further, first relating module 20 further include:
Distance Judgment unit, for determining the actual distance between the indirect CompanyAddress and the base address, and
Judge whether the actual distance is less than pre-determined distance threshold value；
First associative cell, if being less than pre-determined distance threshold value for the actual distance, in the company telephone number
It establishes and is associated between the base address.
Further, first relating module 20 further include:
Matching degree computing unit, for calculating the indirect CompanyAddress and described basic based on preset address matching rule
The address text matches degree of address；
Matching degree judging unit, for judging whether the address text matches degree is greater than preset address threshold value；
Second associative cell, if being greater than the preset address threshold value for the address text matches degree, in the public affairs
It establishes and is associated between department's telephone number and the base address.
Further, the matching degree computing unit is specifically used for based on default quantizing rule respectively by the indirect public affairs
Department address and the base address are quantified as corresponding first address character group D1 and the second address character group D2, and to described the
One address character group D1 and the second address character group D2 carries out union operation, obtains corresponding full address character group D；According to
Each address character is respectively in the first address character group D1 and the second address character group D2 in the full address character group D
The frequency of occurrences determines the first address character group D1 corresponding first address frequency group DD1 and the second address character group D2 corresponding the
Double-address group of frequencies DD2；According to preset address matching degree formula, the first address frequency group DD1 and second address frequency
Rate group DD2 calculates the address text matches degree between the indirect CompanyAddress and the base address, the preset address
With degree formula are as follows:
Wherein, address text matches of the sim (DD1, DD2) between the indirect CompanyAddress and the base address
Degree；
N is the number of elements of the first address frequency group DD1 or described second address frequency group DD2；
DD1i is i-th of element of the first address frequency group DD1, the second i-th yuan of address frequency group DD2 described in DD2i
Element, 0 < i≤n, and i are integer.
Further, the risk supervision device of the telephone number further include:
It is recommended that output module, for being built according to relationship degree processing corresponding with the default review size relation output of threshold value
View, wherein the default threshold value that meets is greater than the preset relation threshold value.
Further, the preset relation degree formula are as follows:
Wherein, relationship degree of the f between the company telephone number and the related information；
Routing information quantity of the m in the most short associated path between the company telephone number and the related information,
The routing information includes the company telephone number and the related information, m >=2；
k0For pre-determined distance coefficient corresponding with the information type of the related information, 0 < k0；
x0For preset strength coefficient corresponding with the information type of the related information, 0 < x0；
kiFor the corresponding correlation distance coefficient of the routing information, 0 < ki；
uiFor the corresponding decay factor coefficient of the routing information, 0 < ui≤1；
xiFor the corresponding strength of association coefficient of the routing information, 0 < xi。
Wherein, the function of modules realizes the wind with above-mentioned telephone number in the risk supervision device of above-mentioned telephone number
Each step is corresponding in dangerous detection method embodiment, and function and realization process no longer repeat one by one here.
In addition, the embodiment of the present invention also provides a kind of storage medium.
Risk supervision program is stored on storage medium of the present invention, wherein the risk supervision program is executed by processor
When, realize as above-mentioned telephone number risk checking method the step of.
Wherein, risk supervision program, which is performed realized method, can refer to the risk supervision side of telephone number of the present invention
Each embodiment of method, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of risk checking method of telephone number, which is characterized in that the risk checking method of the telephone number includes:
In the credit request for receiving loan terminal transmission, the firm telephone that the credit requests corresponding credit applications person is obtained
The base address of number and the credit applications person；
Inquire to obtain indirect taking-over market according to the company telephone number, and according to the indirect taking-over market include it is indirect
CompanyAddress, the base address and default correlation rule are established between the company telephone number and the base address
Association；
It is inquired in default credit record storehouse according to the indirect taking-over market and is believed with the indirect matched history of taking-over market
Part is borrowed, and establishes and is associated between the company telephone number and the history credit part；
The relationship degree between the company telephone number and each related information is calculated according to preset relation degree formula, wherein described each
Related information includes the base address and the history credit part；
When the related information belongs to black list information, judge whether the relationship degree is greater than preset relation threshold value；
If the relationship degree is greater than preset relation threshold value, it is determined that the company telephone number is risk number.
2. the risk checking method of telephone number as described in claim 1, which is characterized in that described according to the firm telephone
Number inquiry obtained before the step of indirect taking-over market, further includes:
Feature acquisition request is sent to the default yellow page sites, and receives the request that the default yellow page sites return and replys；
Corresponding resolution rules are obtained according to the reply format that the request is replied, and according to the resolution rules to the request
Reply is parsed, and known taking-over market is obtained, to form known taking-over market library；
It is described the step of obtaining indirect taking-over market is inquired according to the company telephone number to include:
According to the company telephone number inquiry known taking-over market library, obtain and the company telephone number it is matched between
Connect taking-over market.
3. the risk checking method of telephone number as described in claim 1, which is characterized in that described according to the firm telephone
Number inquiry obtains indirect taking-over market, and include according to the indirect taking-over market indirect CompanyAddress, it is described basically
Location and default correlation rule establish the step of being associated between the company telephone number and the base address and include:
It determines the actual distance between the indirect CompanyAddress and the base address, and judges whether the actual distance is small
In pre-determined distance threshold value；
If the actual distance is less than pre-determined distance threshold value, established between the company telephone number and the base address
Association.
4. the risk checking method of telephone number as described in claim 1, which is characterized in that described according to the firm telephone
Number inquiry obtains indirect taking-over market, and include according to the indirect taking-over market indirect CompanyAddress, it is described basically
Location and default correlation rule establish the step of being associated between the company telephone number and the base address and include:
The address text matches degree of the indirect CompanyAddress Yu the base address is calculated based on preset address matching rule；
Judge whether the address text matches degree is greater than preset address threshold value；
If the address text matches degree be greater than the preset address threshold value, the company telephone number and it is described basically
Association is established between location.
5. the risk checking method of telephone number as claimed in claim 4, which is characterized in that described to be matched based on preset address
The step of address text matches that rule calculates the indirect CompanyAddress and the base address are spent include:
The indirect CompanyAddress and the base address are quantified as corresponding first address respectively based on default quantizing rule
Character group D1 and the second address character group D2, and the first address character group D1 and the second address character group D2 is carried out
Union operation obtains corresponding full address character group D；
According to each address character in the full address character group D respectively in the first address character group D1 and the second address character
It organizes the frequency of occurrences in D2, determine the corresponding first address frequency group DD1 of the first address character group D1 and the second address character group
D2 corresponds to the second address frequency group DD2；
Institute is calculated according to preset address matching degree formula, the first address frequency group DD1 and the second address frequency group DD2
State the address text matches degree between indirect CompanyAddress and the base address, the preset address matching degree formula are as follows:
Wherein, address text matches degree of the sim (DD1, DD2) between the indirect CompanyAddress and the base address；
N is the number of elements of the first address frequency group DD1 or described second address frequency group DD2；
DD1i is i-th of element of the first address frequency group DD1, second address frequency group i-th of element of DD2 described in DD2i, 0
< i≤n, and i is integer.
6. the risk checking method of telephone number as described in claim 1, which is characterized in that if the relationship degree is greater than
Preset relation threshold value, it is determined that after the step of company telephone number is risk number, further includes:
According to relationship degree treatment advice corresponding with the default review size relation output of threshold value, wherein described preset meets
Threshold value is greater than the preset relation threshold value.
7. such as the risk checking method of telephone number described in any one of claims 1 to 6, which is characterized in that described default
Relationship degree formula are as follows:
Wherein, relationship degree of the f between the company telephone number and the related information；
Routing information quantity of the m in the most short associated path between the company telephone number and the related information, it is described
Routing information includes the company telephone number and the related information, m >=2；
k0For pre-determined distance coefficient corresponding with the information type of the related information, 0 < k0；
x0For preset strength coefficient corresponding with the information type of the related information, 0 < x0；
kiFor the corresponding correlation distance coefficient of the routing information, 0 < ki；
uiFor the corresponding decay factor coefficient of the routing information, 0 < ui≤1；
xiFor the corresponding strength of association coefficient of the routing information, 0 < xi。
8. a kind of risk supervision device of telephone number, which is characterized in that the risk supervision device of the telephone number includes:
Request receiving module, in the credit request for receiving loan terminal transmission, obtaining the corresponding letter of credit request
Borrow the company telephone number of applicant and the base address of the credit applications person；
First relating module obtains indirect taking-over market for inquiring according to the company telephone number, and according to described indirect
Indirect CompanyAddress, the base address and default correlation rule that taking-over market includes, in the company telephone number and institute
It states and establishes association between base address；
Second relating module, for being inquired in default credit record storehouse according to the indirect taking-over market and the indirect company
The history credit part of characteristic matching, and establish and be associated between the company telephone number and the history credit part；
Relationship degree computing module, for being calculated between the company telephone number and each related information according to preset relation degree formula
Relationship degree, wherein each related information includes the base address and the history credit part；
Relationship degree judgment module, for judging whether the relationship degree is greater than when the related information belongs to black list information
Preset relation threshold value；
Number determining module, if being greater than preset relation threshold value for the relationship degree, it is determined that the company telephone number is wind
Dangerous number.
9. a kind of risk supervision equipment of telephone number, which is characterized in that the risk supervision equipment of the telephone number includes place
It manages device, memory and is stored in the risk supervision program that can be executed on the memory and by the processor, wherein described
When risk supervision program is executed by the processor, the risk of the telephone number as described in any one of claims 1 to 7 is realized
The step of detection method.
10. a kind of storage medium, which is characterized in that risk supervision program is stored on the storage medium, wherein the risk
When detection program is executed by processor, the risk checking method of the telephone number as described in any one of claims 1 to 7 is realized
The step of.
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