CN109636570A - Risk analysis method, device, equipment and the readable storage medium storing program for executing of cell-phone number - Google Patents
Risk analysis method, device, equipment and the readable storage medium storing program for executing of cell-phone number Download PDFInfo
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Abstract
The present invention provides risk analysis method, device, equipment and the readable storage medium storing program for executing of a kind of cell-phone number, the application cell-phone number of loan application person is integrated and is associated with other information (information and other people information including loan application person) in a manner of " relationship ", is conducive to determine contacting between application cell-phone number and other information；And the processing logic for contaminating black (or dye ash) is combined to analyze and detect the risk of application cell-phone number, to which potential credit risk of fraud be effectively predicted in a manner of big data analysis, improve the accuracy of credit analysis, 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 analysis method of cell-phone number, device, equipment and readable
Storage medium.
Background technique
With the fast development of society and financial industry, credit operation is active in market.Credit agency is to loan application
It before person makes loans, needs to carry out air control analysis to loan application person, to determine its risk of fraud；In the analysis process, past
Toward the risk analysis of the cell-phone number for the person that can be related to loan application.Traditional cell-phone number risk analysis method is carried out to cell-phone number
Single user's checking judges the number person that whether belongs to loan application；But it is had ignored in this cell-phone number risk analysis method
Relevance between cell-phone number and other credit informations, to reduce the accuracy of credit risk analysis.
Summary of the invention
The main purpose of the present invention is to provide a kind of risk analysis method of cell-phone number, device, equipment and readable storages
Medium, it is intended to improve the accuracy of credit risk analysis.
To achieve the above object, the present invention provides a kind of risk analysis method of cell-phone number, the risk point of the cell-phone number
Analysis method includes:
In the credit request for receiving loan terminal transmission, the application that the credit requests corresponding credit applications person is obtained
Cell-phone number and base address；
Ownership place analysis is carried out to the application cell-phone number, obtains corresponding application cell-phone number ownership place, and according to default
Correlation rule and the application cell-phone number ownership place are established between the application cell-phone number and the base address to be associated with；
The social characteristics information of the application cell-phone number is obtained, and according to the social characteristics information in preset number library
Inquiry is matched with reference to cell-phone number with the application cell-phone number, to build between the application cell-phone number and the reference cell-phone number
Vertical association；
The relationship degree between the application cell-phone number and each related information is calculated according to preset relation degree formula, wherein described
Each related information includes the base address and described with reference to cell-phone number；
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 application cell-phone number is risk cell-phone number.
Optionally, described that ownership place analysis is carried out to the application cell-phone number, obtain corresponding application cell-phone number ownership place
The step of include:
The application cell-phone number is segmented according to preset mobile phone coding rule, network identification mark is obtained and area is compiled
Code；
Obtain corresponding default area code table according to the network identification mark, and according to the default area code table and
The area code determines the application cell-phone number ownership place of the application cell-phone number.
Optionally, the social characteristics information includes message registration,
It is described to be inquired in preset number library according to the social characteristics information and the matched reference of the application cell-phone number
Cell-phone number, to include: with reference to the step of foundation is associated between cell-phone number with described in the application cell-phone number
In the preset number library obtain refer to cell-phone number, and judge it is described application cell-phone number message registration with it is described
Whether it is greater than default call threshold value with reference to the call similarity of the message registration of cell-phone number；
If the call similarity is greater than default call threshold value, it is determined that the reference cell-phone number and the application cell-phone number
Matching, and establish and be associated between the application cell-phone number and the reference cell-phone number.
Optionally, the message registration of the judgement application cell-phone number and the message registration with reference to cell-phone number is logical
Talk about that the step of whether similarity is greater than default call threshold value includes:
Preset time period is obtained according to the message registration of the application cell-phone number and the message registration with reference to cell-phone number
Same calls number of objects, and judge whether the call similarity is greater than default call threshold according to the same calls number of objects
Value.
Optionally, if the relationship degree is greater than preset relation threshold value, it is determined that the application cell-phone number is risk hand
After the step of machine, further includes:
According to relationship degree treatment advice corresponding with the default review size relation output of threshold value.
Optionally, the basis presets correlation rule and the application cell-phone number ownership place in the application cell-phone number and institute
Stating the step of association is established between base address includes:
Determine it is described application cell-phone number ownership place and the base address between actual distance, and judge it is described really away from
From whether less than pre-determined distance threshold value；
If geographical location distance is less than pre-determined distance threshold value, the apply cell-phone number and the base address it
Between establish association.
Optionally, the preset relation degree formula are as follows:
Wherein, f is the relationship degree between the application cell-phone number and the related information；
M is the routing information quantity in the most short associated path between the application cell-phone number and the related information, institute
Stating routing information includes the application cell-phone 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。
In addition, to achieve the above object, the present invention also provides a kind of risk analysis device of cell-phone number, the cell-phone number
Risk analysis device includes:
Request receiving module, for obtaining the credit request pair in the credit request for receiving loan terminal transmission
The application cell-phone number and base address for the person that answers credit applications；
First relating module obtains corresponding application cell-phone number for carrying out ownership place analysis to the application cell-phone number
Ownership place, and according to default correlation rule and the application cell-phone number ownership place in the application cell-phone number and the base address
Between establish association；
Second relating module, for obtaining the social characteristics information of the application cell-phone number, and according to the social characteristics
Information is inquired in preset number library and the application cell-phone number is matched with reference to cell-phone number, in the application cell-phone number and institute
It states with reference to foundation association between cell-phone number；
Relationship degree computing module, for according to preset relation degree formula calculate the apply cell-phone number and each related information it
Between relationship degree, wherein each related information includes the base address and described with reference to cell-phone number；
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；
Cell-phone number determining module, if being greater than preset relation threshold value for the relationship degree, it is determined that the application cell-phone number
For risk cell-phone number.
In addition, to achieve the above object, the present invention also provides a kind of risk analysis equipment of cell-phone number, the credit network
Analytical equipment includes the risk point that processor, memory and being stored in can be executed on the memory and by the processor
Program is analysed, wherein realizing when the Risk analysis procedure is executed by the processor such as the step of above-mentioned risk analysis method.
In addition, to achieve the above object, the present invention also provides a kind of readable storage medium storing program for executing, being deposited on the readable storage medium storing program for executing
Risk analysis procedure is contained, wherein realizing the risk such as above-mentioned cell-phone number when the Risk analysis procedure is executed by processor
The step of analysis method.
The present invention is in a manner of " relationship " by the application cell-phone number of loan application person and other information (including loan application person
Information and other people information) integrate and be associated with, be conducive to determine contacting between application cell-phone number and other information；And
The risk of application cell-phone number is analyzed and detected in conjunction with the processing logic for contaminating black (or dye ash), thus with big data analysis
Mode potential credit risk of fraud is effectively predicted, improve credit analysis accuracy, can be more effectively right
Potential risk carries out early warning, 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 analysis equipment of cell-phone number involved in the embodiment of the present invention；
Fig. 2 is the flow diagram of the risk analysis method first embodiment of cell-phone 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 analysis device first embodiment of cell-phone 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 analysis method of cell-phone number be mainly used in the risk analysis equipment of cell-phone number,
The risk analysis equipment of the cell-phone number can be personal computer (personal computer, PC), laptop, service
The equipment having data processing function such as device.
Referring to Fig.1, Fig. 1 is that the hardware configuration of the risk analysis equipment of cell-phone number involved in the embodiment of the present invention shows
It is intended to.In the embodiment of the present invention, the risk analysis equipment of cell-phone 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 analysis procedure.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 analysis procedure stored in memory 1005, and execute sheet
The risk analysis method for the cell-phone number that inventive embodiments provide.
The embodiment of the invention provides a kind of risk analysis methods of cell-phone number.
It is the flow diagram of the risk analysis method first embodiment of cell-phone number of the present invention referring to Fig. 2, Fig. 2.
In the present embodiment, the risk analysis method of the cell-phone 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 application cell-phone number and base address of person；
With the fast development of society and financial industry, credit operation is active in market.Credit agency is to loan application
It before person makes loans, needs to carry out air control analysis to loan application person, to determine its risk of fraud；In the analysis process, past
Toward the risk analysis of the cell-phone number for the person that can be related to loan application.Traditional cell-phone number risk analysis method is carried out to cell-phone number
Single user's checking judges the number person that whether belongs to loan application；But it is had ignored in this cell-phone number risk analysis method
Relevance between cell-phone number and other credit informations, to reduce the accuracy of credit risk analysis.In this regard, the present embodiment
The middle risk analysis method for proposing a kind of cell-phone number, when carrying out credit risk analysis, in the cell-phone number of loan application person and its
Incidence relation is established between its information, to be associated analysis to the cell-phone number of loan application person, improves the standard of credit analysis
True property.
The risk analysis method of cell-phone number in the present embodiment is realized by the risk analysis equipment of cell-phone number, the mobile phone
Number risk analysis equipment be illustrated by taking server as an example.In the present embodiment, loan application person is needing to carry out credit applications
When, credit operation can be carried out on loan terminal (such as PC PC, laptop, mobile phone, tablet computer), loan is eventually
End then sends corresponding credit to server according to the operation of loan application person and requests.Server is receiving loan terminal transmission
Credit request when, first have to obtain loan application person application cell-phone number.Acquisition for this application cell-phone number can be clothes
Business device sends cell-phone number inquiry message to loan terminal when receiving credit request, so that loan application person is according to the mobile phone
Inquiry message the application cell-phone number of typing oneself and is sent to server in loan terminal；The person that can certainly be loan application
Application cell-phone number is directly entered when carrying out credit operation by loan terminal, is added to this application cell-phone number by loan terminal
It is sent to server together in credit request.
Server also will acquire loan application while according to the application cell-phone number of credit request credit applications person
Other essential informations of person, the person's unsolicited personal information when carrying out loan application that includes loan application further includes having
The environmental information that server detects.It include home address, work address, unit address, bank's account for personal information
Family, identity card, frequent contact etc., these personal information are also possible to loan application, and person is above being mentioned by loan terminal in network
Out when loan application, voluntarily typing to loan terminal, and be sent in server by loan terminal.For environmental information, then wrap
Include IP address (Internet Protocol Address, the Internet protocol of the address GPS of loan terminal, loan terminal
Location) etc.；These certain environmental informations may be after needing to obtain loan application the authorization of person server can just obtain.?
To loan application person essential information when, server will get corresponding base address according to these essential informations, such as
Identity card ownership place, home address, business address etc..
Step S20 carries out ownership place analysis to the application cell-phone number, obtains corresponding application cell-phone number ownership place, and
It is established between the application cell-phone number and the base address according to default correlation rule and the application cell-phone number ownership place
Association；
In the present embodiment, server will carry out application cell-phone number after the application cell-phone number for the person that gets loan application
Ownership place analysis, determine the corresponding apply cell-phone number ownership place of this application cell-phone number (or for mobile phone card with opening card, mobile phone card returns
Possession).Wherein, generally there is certain coding rule for cell-phone number, such as the cell-phone number in China is generally 11, and each section
Number there is different meanings again；If first 3 are network identification mark, the 4th to the 7th is area code, and the 8 to 11st is use
Family number is based on this coding rule, if getting first 7 (cell-phone numbers in China) of a certain phone number, Ji Kexiang
The determination the answered cell-phone number ownership place.
Specifically, cell-phone number coding rule can be previously stored in server, in the application hand for the person that gets loan application
When machine, segmentation cutting can be carried out to application cell-phone number according to the cell-phone number coding rule, get address feature therein
Segment, which includes network identification mark and area code (first 7 of such as cell-phone number), then according to address feature
The number (or character string) of segment determines corresponding cell-phone number ownership place with cell-phone number coding rule.It is worth explanation, for same
A area code may obtain different addresses if having corresponded to different network identification marks, such as
Two numbers of 1234567**** and 3214567****, although the area code of the two is identical, due to operator or number
The reason of management, due to network identification mark difference, area code rule is it can also happen that variation；Therefore to cell-phone number
When analyzing application cell-phone number, it is necessary first to obtain corresponding default area according to the network identification mark of application cell-phone number and compile
Code table, wherein record has the mapping relations between area code and ownership place in the default area code table；Then further according to this
Default area code table and the application cell-phone number ownership place for applying for the determining application cell-phone number of the area code of cell-phone number.
In the present embodiment, server is when determining the application cell-phone number ownership place of application cell-phone number, it will is closed based on default
Connection rule and application cell-phone number ownership place establish association between application cell-phone number and step S10 base address obtained, from
And connect other address informations of the application cell-phone number of loan application person and loan application person, form address information net
Network；In the address information network, the application cell-phone number of loan application person is also possible to regard as an address, and (application cell-phone number is returned
Possession location), two addresses are included at least in the address information network at this time, and (a cell-phone number home address is basic at least one
Address).And being associated with for application cell-phone number and base address, then it can be and established according to various ways.
Optionally, being associated with for application cell-phone number and base address can be by establishing apart from matched mode
Distance matching association.Specifically, server first by actual position corresponding to each base address of determination, then determines application hand
The actual distance of machine ownership place and base address；It, can be in application mobile phone when the actual distance is less than pre-determined distance threshold value
Distance matching is established number between the base address to be associated with.For example, for the application area a, the city Y, cell-phone number ownership place X province and job note
The true address distance in the area c, the city Y, bit address X province, the two is 1000 meters, is less than pre-determined distance threshold value 5000m, then can be in the two
Between establish distance matching association.It further, can also be according to true after two address factors establish distance matching association
The size of address distance defines its strength of association value, and for true address apart from smaller, strength of association value is bigger.By apart from matched
Interrelational form can will apply for that cell-phone number is associated with base address from the dimension of actual range, to carry out subsequent fraud point
Analysis.
Further, after establishing distance matching association, its strength of association can also be defined according to the size of actual distance
Value, actual distance is smaller, and strength of association value is bigger.It, can be from the dimension of actual distance by Shen by apart from matched interrelational form
Please cell-phone number be associated with the closer base address of actual distance, to carry out subsequent analysis.
Optionally, being associated with for application cell-phone number and base address, can also be and established by way of fuzzy matching
Fuzzy matching association, that is, calculate application cell-phone number address and base address between address text matches degree, if the address is literary
This matching degree is greater than pre-set text threshold value, can establish fuzzy matching between application cell-phone number and the base address and be associated with.Tool
Body, application cell-phone number address and base address are quantified as corresponding first ground respectively according to certain rule first by server
Location character group S1 and the second address character group S2, the form of address character group can be (saving, city, area), certain rule and ground
The form of location character group can also be configured according to the actual situation；When quantifying to complete, server is to the first address character group
S1 and the second address character group S2 carries out union operation and obtains all-character group S (without containing duplicate element in the all-character group)；
Then, server will be respectively according to each character of all-character group S in the first address character group S1 and the second address character group S2
The frequency of occurrences determines corresponding first frequency group SS1 and second frequency group SS2；Obtaining first frequency group SS1 and second frequency
When group SS2, first frequency group SS1 and second frequency group SS2 can be substituting in pre-set text matching formula and calculate application hand
Address text matches degree between machine address and base address, the pre-set text matching formula are as follows:
Wherein, sim (SS1, SS2) is the address text matches degree applied between cell-phone number address and base address, p the
The number of elements of one group of frequencies SS1 or second frequency group SS2；SS1i is i-th of element of the first frequency group SS1, SS2i institute
Stating second frequency group i-th of element of SS2,0 < i≤n, and i is integer.If the address text matches degree is greater than pre-set text threshold
Value can establish fuzzy matching between application cell-phone number and the base address and be associated with.Further, when application cell-phone number address
It is established after fuzzy matching is associated with base address, its strength of association value can also be defined according to the size of address text matches degree,
Address text matches degree is bigger, and strength of association value is bigger.By the interrelational form of fuzzy matching, can be incited somebody to action from the dimension of address text
Application cell-phone number is associated with base address, to carry out subsequent analysis.
It is worth noting that being associated with if application cell-phone number can not be established with any one base address, illustrate this application hand
Machine number has biggish information isolatism, can directly think to apply for that cell-phone number is suspicious at this time, and this application cell-phone number is true
It is set to risk cell-phone number.
Step S30 obtains the social characteristics information of the application cell-phone number, and according to the social characteristics information default
Inquiry and the application cell-phone number are matched with reference to cell-phone number in number library, to refer to mobile phone with described in the application cell-phone number
Association is established between number；
In the present embodiment, server will also be obtained and the associated social characteristics information of this application cell-phone number, social characteristics
Information includes the message registration of this application cell-phone number, short message record, address list (contact number) etc..And for the social characteristics
The acquisition of information can be server after the authorization for the person that obtains loan application, and by being mounted on, this application cell-phone number is corresponding to be moved
Feature in dynamic terminal obtains SDK (Software Development Kit, Software Development Kit) or other technologies, crawl
Related social characteristics information in mobile terminal；Certainly it can also be server after the authorization for the person that obtains loan application, from fortune
It seeks at quotient and obtains the social characteristics information of this application cell-phone number, such as loan application person carries out credit applications by loan terminal
When, application cell-phone number will be also provided together and cell-phone number acquisition of information key (such as password), server then can be with operators
Data system connection, and the social special of this application cell-phone number is obtained from the data system according to the cell-phone number acquisition of information key
Reference breath.
Server, will be according to the social characteristics information in preset number when obtaining the social characteristics information of application cell-phone number
Inquiry and application cell-phone number are matched with reference to cell-phone number in library, and apply for cell-phone number and be associated with reference to establishing between cell-phone number.Its
In, which includes the history number that history debt-credit event obtains, further includes having through crawler technology from network
The network number of acquisition；And for applying for the social characteristics information of cell-phone number, the person that can reflect loan application to a certain extent
Social characteristics, such as message registration, short message record and address list, that is, the social object for the person that reflects loan application.This implementation
Example in server inquiry with application cell-phone number it is matched refer to cell-phone number, be in order to search and loan application person (application mobile phone
Number) reference man's (referring to cell-phone number) with similar social characteristics.For example, social characteristics information by taking message registration as an example, is provided a loan
The application cell-phone number of applicant is A, and the corresponding message registration of application cell-phone number A integrates as A1, and server is obtained from preset number library
The reference cell-phone number arrived is B, is that the corresponding message registration of B integrates as B1 with reference to cell-phone number；Server will to message registration collection A1 and
Message registration integrates to be compared as B1, judges whether the call similarity of the two is greater than default call threshold value；If the call of the two
Similarity is greater than default call threshold value, then illustrates that the social characteristics of two numbers have certain similitude (relevance), at this time may be used
It is associated in application cell-phone number A and with reference to being established between cell-phone number B.It further, then can be with phase for message registration similarity
It is measured with conversation object number, same calls number of objects is bigger, and call similarity is higher；Certainly, server is by identical logical
It is statistics preset time period (such as one when words number of objects analysis message registration collection A1 and message registration integrate the call similarity as B1
Year in) same calls number of objects, the call similarity is judged according to the same calls number of objects of both preset time periods
Whether default call threshold value is greater than.Certainly, in practice, for different types of social characteristics information, similarity is corresponding
Similar threshold value can be set to different standards.
It is worth noting that the base address being directly linked in this present embodiment with application cell-phone number and with reference to hand
Machine number 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, such as
Work address in base address is associated with the unit entity (such as flat type, unit shareholder) of the address, in base address
Home address is associated with the cell information (such as cell room rate, residential property information) of the address, in another example with reference to cell-phone number with
This refers to the association such as number attribution, cell-phone number holder of cell-phone number；It is other with once connection information association for these
Information can be described as secondary related information for convenience of description, these secondary related informations can be regarded as and apply for that cell-phone number closes indirectly
Connection；Once connection information and secondary related information are referred to as related information, and application cell-phone number all has with related information to be associated with
System's (direct correlation or indirect association).The rest may be inferred, and application cell-phone number can also be with related information three times, four secondary association information etc.
It is associated, so that information association map (information association network) is established, to carry out subsequent wind to apply for cell-phone number as starting point
Danger analysis.
Step S40 calculates the relationship degree between the application cell-phone number and each related information according to preset relation degree formula,
Wherein each related information includes the base address and described with reference to cell-phone number；
In the present embodiment, in application cell-phone number and base address, establish with reference to cell-phone number and to be associated with after, server will be according to pre-
If relationship degree formula calculates the relationship degree between application cell-phone number and each related information, wherein these related informations include basically
Location and refer to cell-phone number.And for application cell-phone number and related information between relationship degree, then be considered as application cell-phone number with
Closely characterization is contacted between related information；Relationship degree is bigger, and the connection of the two is closer.Wherein preset relation degree formula are as follows:
Wherein f is the relationship degree applied between cell-phone number and related information；
M is the routing information quantity in the most short associated path applied between cell-phone number and related information, and routing information
Including the application cell-phone number and the related information, m >=2；It is worth noting that when applying for the letter of association associated by cell-phone number
Breath include once connection information, secondary related information, three times related information etc. whens, if calculate be once connection information and application
The relationship degree of cell-phone number, then m=2, if what is calculated is the relationship degree of secondary related information and application cell-phone number, m=3, according to this
Analogize；
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 server and preset, as being previously stored with information coefficient table in server, record has class each in information coefficient table
K corresponding to related information0Value, server can be inquired according to the information type for the related information to be calculated the information coefficient table from
And determine k0Value, such as the k of work address (base address)0Value is 12, with reference to the k of cell-phone number0Value is 15 etc.；
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, 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 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, with routing information
Information type is related, for example, home address relationship strength coefficient be greater than unit address relationship strength coefficient；
uiFor the corresponding decay factor coefficient of routing information each in most short associated path, 0 < ui≤ 1, with routing information
Information type it is related, such as the decay factor coefficient of home address is less than the decay factor coefficient of unit address, certain pass
Strength of association value when connection strength factor can also be associated with foundation is in relation to (the neighbor information of routing information and related information direction
Strength of association value it is bigger, decay factor coefficient is smaller).
Specifically, obtaining association letter first when carrying out calculating the degree of association of application cell-phone number and a certain related information
The pre-determined distance coefficient k of breath0With preset strength coefficient x0；Then the incidence relation according to application cell-phone number and the related information is true
Both fixed calculated relationship path, wherein selecting to close if having a plurality of relation path between application cell-phone number and the related information
Coefficient least one is used as calculated relationship path (i.e. most short relation path)；When determining calculated relationship path, will determine
All routing informations (including application cell-phone number and the related information) on the calculated relationship path, and according to calculated relationship path
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, application cell-phone number can be calculated
With the relationship degree of the related information.Server may be used also when calculating to apply for the relationship degree between cell-phone number and the related information
It generates corresponding information association figure and marks relationship degree, as shown in figure 3, related information includes home address (relationship degree in Fig. 3
73), unit address (relationship degree 80), with reference to cell-phone number (relationship degree 58).
It is default to judge whether the relationship degree is greater than when the home position factor belongs to blacklist because of the period of the day from 11 p.m. to 1 a.m by step S40
Relationship threshold；
In the present embodiment, server can pass through when obtaining the relationship degree between application cell-phone number and the related information
It contaminates black logic (or contaminating grey logic) and risk of fraud analysis is carried out to application cell-phone number.Specifically, when a certain related information belong to it is black
When list information (or the related information is confirmed as falseness), server will be between judgement application cell-phone number and the related information
Whether relationship degree is greater than preset threshold, that is, passes through the risk of close relation degree association analysis application cell-phone number between the two
Property.
Step S50, if the relationship degree is greater than preset relation threshold value, it is determined that the application cell-phone number is risk mobile phone
Number.
In the present embodiment, if the relationship degree between application cell-phone number and the blacklist related information is greater than preset threshold,
It is believed that application cell-phone number is also suspicious, and this application cell-phone number is determined as risk cell-phone number.
Further, when determining application cell-phone number is risk cell-phone number, server can also provide phase according to relationship degree
The treatment advice of pass.Such as default review threshold value is provided in server, wherein default review threshold value is greater than preset relation threshold value；
When determining that application cell-phone number is risk cell-phone number, (relationship degree between application cell-phone number and the blacklist related information is greater than pre-
If threshold value), will also it judge to apply whether the relationship degree between cell-phone number and the blacklist related information is greater than default review threshold value；
If the relationship degree is greater than default review threshold value, the suggestion that server makes loans output refusal；If the relationship degree is less than or equal to
Default review threshold value, then server will export the suggestion of manual review.In this way, credit risk analysis can improved
Accuracy while, reduce False Rate.
Further, server can also generate corresponding analysis after the risk to cell-phone number is analyzed
Report, the content of analysis report may include applying for cell-phone number and base address, establishing associated establishment process with reference to cell-phone number
(including calculating process), information association figure, relationship degree calculates and deterministic process etc., and for analysis, personnel are checked.
The present embodiment obtains the credit and requests corresponding credit applications in the credit request for receiving loan terminal transmission
The application cell-phone number and base address of person；Ownership place analysis is carried out to the application cell-phone number, obtains corresponding application cell-phone number
Ownership place, and according to default correlation rule and the application cell-phone number ownership place in the application cell-phone number and the base address
Between establish association；The social characteristics information of the application cell-phone number is obtained, and according to the social characteristics information at default number
Inquiry and the application cell-phone number are matched with reference to cell-phone number in code library, to refer to cell-phone number with described in the application cell-phone number
Between establish association；The relationship degree between the application cell-phone number and each related information is calculated according to preset relation degree formula,
Described in each related information include the base address and described with reference to cell-phone number；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
Application cell-phone number is risk cell-phone number.In the above manner, the present embodiment is in a manner of " relationship " by the application of loan application person
Cell-phone number is integrated and is associated with other information (information and other people information including loan application person), is conducive to determine Shen
It please be contacted between cell-phone number and other information；And combine the risk for contaminating the processing logic of black (or dye ash) to application cell-phone number
It is analyzed and is detected, so that potential credit risk of fraud be effectively predicted, improve the accuracy of credit analysis, energy
It is enough that early warning more effectively is carried out to potential risk, it can find as soon as possible and avoid risk and reduce loan bad credit rate.
In addition, the embodiment of the present invention also provides a kind of risk analysis device of cell-phone number.
It is the functional block diagram of the risk analysis device first embodiment of cell-phone number of the present invention referring to Fig. 4, Fig. 4.
In the present embodiment, the risk analysis device of the cell-phone number includes:
Request receiving module 10, for obtaining the credit request in the credit request for receiving loan terminal transmission
The application cell-phone number and base address of corresponding credit applications person；
First relating module 20 obtains corresponding application mobile phone for carrying out ownership place analysis to the application cell-phone number
Number ownership place, and according to default correlation rule and the application cell-phone number ownership place the application cell-phone number and it is described basically
Association is established between location；
Second relating module 30, for obtaining the social characteristics information of the application cell-phone number, and according to described social special
Reference breath in preset number library inquiry with the apply cell-phone number is matched refers to cell-phone number, in the application cell-phone number and
It is described to be associated with reference to foundation between cell-phone number；
Relationship degree computing module 40, for calculating the application cell-phone number and each related information according to preset relation degree formula
Between relationship degree, wherein each related information includes the base address and described with reference to cell-phone number；
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；
Cell-phone number determining module 60, if being greater than preset relation threshold value for the relationship degree, it is determined that the application mobile phone
Number be risk cell-phone number.
Wherein, each virtual functions module of the risk analysis device of above-mentioned cell-phone number is stored in the wind of cell-phone number shown in Fig. 1
It is functional for realizing the institute of Risk analysis procedure in the memory 1005 of dangerous analytical equipment；Each module is held by processor 1001
, it can be achieved that being integrated and being associated with application cell-phone number with much information when row, and combine the processing logic for contaminating black (or dye ash)
The function of risk analysis is carried out to application cell-phone number.
Further, first relating module 20 includes:
Cell-phone number segmenting unit is obtained for being segmented according to preset mobile phone coding rule to the application cell-phone number
Take network identification mark and area code；
Ownership place determination unit is used for according to the corresponding default area code table of network identification mark acquisition, and according to
The default area code table and the area code determine the application cell-phone number ownership place of the application cell-phone number.
Further, the social characteristics information includes message registration, and second relating module 30 includes:
Similarity judging unit refers to cell-phone number for obtaining in the preset number library, and judges the application hand
Whether the call similarity of the message registration of machine number and the message registration with reference to cell-phone number is greater than default call threshold value,
Cell-phone number associative cell, if being greater than default call threshold value for the call similarity, it is determined that described to refer to hand
Machine number is matched with the application cell-phone number, and is established and be associated between the application cell-phone number and the reference cell-phone number.
Further, the similarity judging unit is also used to according to the application message registration of cell-phone number and described
The same calls number of objects of preset time period is obtained with reference to the message registration of cell-phone number, and is sentenced according to the same calls number of objects
Whether the call similarity of breaking is greater than default call threshold value.
Further, the risk analysis device of the cell-phone number further include:
It is recommended that output module, for according to relationship degree processing corresponding with the default review size relation output of threshold value
It is recommended that.
Further, first relating module 20 further include:
Distance Judgment unit, for determine it is described application cell-phone number ownership place and the base address between it is true away from
From, and judge whether the actual distance is less than pre-determined distance threshold value；
Apart from associative cell, if being less than pre-determined distance threshold value for the geographical location distance, in the application mobile phone
It number establishes and to be associated between the base address.
Further, the preset relation degree formula are as follows:
Wherein, f is the relationship degree between the application cell-phone number and the related information；
M is the routing information quantity in the most short associated path between the application cell-phone number and the related information, institute
Stating routing information includes the application cell-phone 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 is realized and the risk of above-mentioned cell-phone number point in the risk analysis device of above-mentioned cell-phone number
Each step is corresponding in analysis embodiment of the method, 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 readable storage medium storing program for executing.
It is stored with Risk analysis procedure on readable storage medium storing program for executing of the present invention, wherein the Risk analysis procedure is held by processor
When row, realize as above-mentioned cell-phone number risk analysis method the step of.
Wherein, Risk analysis procedure, which is performed realized method, can refer to the risk analysis method of cell-phone number of the present invention
Each embodiment, 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 analysis method of cell-phone number, which is characterized in that the risk method of the cell-phone number includes:
In the credit request for receiving loan terminal transmission, the application mobile phone that the credit requests corresponding credit applications person is obtained
Number and base address；
Ownership place analysis is carried out to the application cell-phone number, obtains corresponding application cell-phone number ownership place, and according to default association
The regular and described application cell-phone number ownership place is established between the application cell-phone number and the base address and is associated with；
The social characteristics information of the application cell-phone number is obtained, and is inquired in preset number library according to the social characteristics information
It is matched with reference to cell-phone number with the application cell-phone number, it is closed with being established between the application cell-phone number and the reference cell-phone number
Connection；
The relationship degree between the application cell-phone number and each related information is calculated according to preset relation degree formula, wherein each pass
Connection information includes the base address and described with reference to cell-phone number；
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 application cell-phone number is risk cell-phone number.
2. the risk analysis method of cell-phone number as described in claim 1, which is characterized in that it is described to the application cell-phone number into
Row ownership place analysis, obtain corresponding application cell-phone number ownership place the step of include:
The application cell-phone number is segmented according to preset mobile phone coding rule, obtains network identification mark and area code；
Corresponding default area code table is obtained according to the network identification mark, and according to the default area code table and described
Area code determines the application cell-phone number ownership place of the application cell-phone number.
3. the risk analysis method of cell-phone number as described in claim 1, which is characterized in that the social characteristics information includes logical
Words record,
It is described inquired in preset number library according to the social characteristics information with the apply cell-phone number it is matched refer to mobile phone
Number, to include: with reference to the step of foundation is associated between cell-phone number with described in the application cell-phone number
It is obtained in the preset number library and refers to cell-phone number, and judge the message registration for applying for cell-phone number and the reference
Whether the call similarity of the message registration of cell-phone number is greater than default call threshold value；
If the call similarity is greater than default call threshold value, it is determined that the reference cell-phone number and the application cell-phone number
Match, and establishes and be associated between the application cell-phone number and the reference cell-phone number.
4. the risk analysis method of cell-phone number as claimed in claim 3, which is characterized in that the judgement application cell-phone number
Message registration and the call similarity of the message registration with reference to cell-phone number the step of whether being greater than default call threshold value packet
It includes:
The phase of preset time period is obtained according to the message registration of the application cell-phone number and the message registration with reference to cell-phone number
Judge whether the call similarity is greater than default call threshold value with conversation object number, and according to the same calls number of objects.
5. the risk analysis method of cell-phone number as described in claim 1, which is characterized in that if the relationship degree is greater than in advance
If relationship threshold, it is determined that after the step of application cell-phone number is risk cell-phone number, further includes:
According to relationship degree treatment advice corresponding with the default review size relation output of threshold value.
6. the risk analysis method of cell-phone number as described in claim 1, which is characterized in that the basis preset correlation rule and
The application cell-phone number ownership place establishes the step of being associated between the application cell-phone number and the base address
It determines the actual distance between the application cell-phone number ownership place and the base address, and judges that the actual distance is
It is no to be less than pre-determined distance threshold value；
If the geographical location distance is less than pre-determined distance threshold value, built between the application cell-phone number and the base address
Vertical association.
7. such as the risk analysis method of cell-phone number described in any one of claims 1 to 6, which is characterized in that the default pass
Degree of being formula are as follows:
Wherein, f is the relationship degree between the application cell-phone number and the related information；
M is the routing information quantity in the most short associated path between the application cell-phone number and the related information, the road
Diameter information includes the application cell-phone 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 analysis device of cell-phone number, which is characterized in that the risk analysis device of the cell-phone number includes:
Request receiving module, in the credit request for receiving loan terminal transmission, obtaining the corresponding letter of credit request
Borrow the application cell-phone number and base address of applicant；
First relating module obtains corresponding application cell-phone number ownership for carrying out ownership place analysis to the application cell-phone number
Ground, and according to default correlation rule and the application cell-phone number ownership place between the application cell-phone number and the base address
Establish association；
Second relating module, for obtaining the social characteristics information of the application cell-phone number, and according to the social characteristics information
Inquiry and the application cell-phone number are matched with reference to cell-phone number in preset number library, in the application cell-phone number and the ginseng
It examines and establishes association between cell-phone number；
Relationship degree computing module, for being calculated between the application cell-phone number and each related information according to preset relation degree formula
Relationship degree, wherein each related information includes the base address and described with reference to cell-phone number；
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；
Cell-phone number determining module, if being greater than preset relation threshold value for the relationship degree, it is determined that the application cell-phone number is wind
Dangerous cell-phone number.
9. a kind of risk analysis equipment of cell-phone number, which is characterized in that the risk analysis equipment of the cell-phone number include processor,
Memory and it is stored in the Risk analysis procedure that can be executed on the memory and by the processor, wherein the risk
When analysis program is executed by the processor, the risk analysis side of the cell-phone number as described in any one of claims 1 to 7 is realized
The step of method.
10. a kind of readable storage medium storing program for executing, which is characterized in that it is stored with Risk analysis procedure on the readable storage medium storing program for executing, wherein
When the Risk analysis procedure is executed by processor, the risk point of the cell-phone number as described in any one of claims 1 to 7 is realized
The step of analysis method.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811251412.7A CN109636570A (en) | 2018-10-25 | 2018-10-25 | Risk analysis method, device, equipment and the readable storage medium storing program for executing of cell-phone number |
| PCT/CN2018/122725 WO2020082557A1 (en) | 2018-10-25 | 2018-12-21 | Risk analysis method, apparatus, and device for mobile phone number, and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811251412.7A CN109636570A (en) | 2018-10-25 | 2018-10-25 | Risk analysis method, device, equipment and the readable storage medium storing program for executing of cell-phone number |
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| CN110335140A (en) * | 2019-06-27 | 2019-10-15 | 上海淇馥信息技术有限公司 | Method, apparatus, electronic equipment based on the black intermediary of social networks prediction loan |
| CN113643123A (en) * | 2021-08-23 | 2021-11-12 | 中国农业银行股份有限公司佛山分行 | Online account opening method and online account opening system for bank |
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| CN112785320B (en) * | 2021-02-01 | 2023-09-19 | 北京互金新融科技有限公司 | Credit risk determination method and device, storage medium and electronic equipment |
| CN117593140A (en) * | 2024-01-17 | 2024-02-23 | 亿海蓝（北京）数据技术股份公司 | Shipping insurance accumulated risk identification method and system, electronic equipment and storage medium |
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