CN109801156A - A kind of lending risk management and control method and lending risk management and control equipment - Google Patents
A kind of lending risk management and control method and lending risk management and control equipment Download PDFInfo
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- CN109801156A CN109801156A CN201811547703.0A CN201811547703A CN109801156A CN 109801156 A CN109801156 A CN 109801156A CN 201811547703 A CN201811547703 A CN 201811547703A CN 109801156 A CN109801156 A CN 109801156A
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Abstract
The present invention is suitable for field of computer technology, provides a kind of lending risk management and control method and lending risk management and control equipment, and lending risk management and control method includes: that result is paid a return visit in the lending obtained for each client；When it is lost contact that result is paid a return visit in the lending of any client, the identity information of lost contact client is obtained；The effective connection mode of the lost contact client is searched based on the identity information；When confirming that the effective connection mode belongs to the lost contact client, the contact information of the lost contact client is updated based on the effective connection mode.Above scheme, by the effective connection mode for obtaining lost contact client in time, it follows up in a manner of through effective connection to the fund state of client or weather, the credit risk hidden danger of client can be reduced, it can also prevent client from filling in invalid telephone number, and then reduce the risk that can not recover the loan of client's debt-credit.
Description
Technical field
The invention belongs to field of computer technology more particularly to a kind of lending risk management and control method and lending risk management and control to set
It is standby.
Background technique
It after lending, in order to control financial risks, needs periodically or non-periodically to pay a return visit debtor, to understand debt-credit
The case where people, to assess whether debtor has the ability repaid the loan.
In routinely paying a return visit, it usually will appear " lost contact " client；Wherein, " lost contact " client refers to the phone that debtor reserves
Number is spacing, or reserved telephone number can not contact person debtor the case where.
However, subsequent air control performance is higher, and during collection for paying a return visit the client that result is " lost contact ", it can not
Client is got in touch with, there is biggish credit risk and risk of fraud hidden danger, may cause the loan that can not recover client's debt-credit
It happens.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of lending risk management and control method and lending risk management and control equipment, with
It solves in the prior art because paying a return visit the client that result is " lost contact ", it, may with biggish credit risk and risk of fraud hidden danger
Lead to not the problem of recovering the loan of client's debt-credit.
The first aspect of the embodiment of the present invention provides a kind of lending risk management and control method, comprising:
Result is paid a return visit in the lending obtained for each client；
When it is lost contact that result is paid a return visit in the lending of any client, the identity information of lost contact client is obtained；
The effective connection mode of the lost contact client is searched based on the identity information；
When confirming that the effective connection mode belongs to the lost contact client, updated based on the effective connection mode described
The contact information of lost contact client.
The second aspect of the embodiment of the present invention provides a kind of lending risk management and control equipment, comprising:
First acquisition unit, for obtaining the lending return visit result for being directed to each client；
Second acquisition unit, for obtaining lost contact visitor when it is lost contact that result is paid a return visit in the lending of any client
The identity information at family；
Searching unit, for searching the effective connection mode of the lost contact client based on the identity information；
Updating unit, for being based on described effective when confirming that the effective connection mode belongs to the lost contact client
It is the contact information that mode updates the lost contact client.
The third aspect of the embodiment of the present invention provides a kind of lending risk management and control equipment: including memory, processor with
And the computer program that can be run in the memory and on the processor is stored, the processor executes the calculating
It is performed the steps of when machine program
Result is paid a return visit in the lending obtained for each client；
When it is lost contact that result is paid a return visit in the lending of any client, the identity information of lost contact client is obtained；
The effective connection mode of the lost contact client is searched based on the identity information；
When confirming that the effective connection mode belongs to the lost contact client, updated based on the effective connection mode described
The contact information of lost contact client.
The fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, and the computer program performs the steps of when being executed by processor
Result is paid a return visit in the lending obtained for each client；
When it is lost contact that result is paid a return visit in the lending of any client, the identity information of lost contact client is obtained；
The effective connection mode of the lost contact client is searched based on the identity information；
When confirming that the effective connection mode belongs to the lost contact client, updated based on the effective connection mode described
The contact information of lost contact client.
Existing beneficial effect is the embodiment of the present invention compared with prior art:
When it is lost contact that result is paid a return visit in the lending of any client, the identity information of lost contact client is obtained, and based on lost contact visitor
The identity information at family searches the effective connection mode of lost contact client, in the effective connection mode for finding lost contact client,
The contact method of lost contact client is updated based on the effective connection mode.By the effective connection side for obtaining lost contact client in time
Formula follows up to the fund state of client or weather in a manner of through effective connection, it is possible to reduce the credit wind of client
Dangerous hidden danger can also prevent client from filling in invalid telephone number, and then reduce the risk that can not recover the loan of client's debt-credit.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the implementation process schematic diagram for the lending risk management and control method that one embodiment of the invention provides；
Fig. 2 is the schematic diagram for the lending risk management and control equipment that one embodiment of the invention provides；
Fig. 3 be another embodiment of the present invention provides lending risk management and control equipment schematic diagram.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, the following is a description of specific embodiments.
Referring to Figure 1, Fig. 1 is the implementation process schematic diagram for the lending risk management and control method that one embodiment of the invention provides,
The executing subject of the lending risk management and control method of the present embodiment is lending risk management and control equipment, which can be with
For server, controller etc..Lending risk management and control method as shown in the figure can include:
S101: result is paid a return visit in the lending obtained for each client.
It, can periodically or non-periodically in order to control financial risks after certain financing corporation or bank offer loans to debtor
Debtor is paid a return visit.
The information of debtor to be paid a return visit can be sent to and attend a banquet by lending risk management and control equipment, be based on debt-credit to attend a banquet
The information of people carries out lending return visit, and the return visit result that will make loans feeds back to lending risk management and control equipment.For example, based on debtor's
The contact method outgoing call debtor for including in information, and when connecting, check the relevant information of debtor.
Result is paid a return visit in the lending for each loaning bill client that lending risk management and control equipment obtains feedback of attending a banquet.It makes loans and pays a return visit
It as a result include normal or lost contact.Make loans pay a return visit result be it is normal, identify attend a banquet can be reserved by client (debtor) connection
Mode gets in touch with the client.Make loans pay a return visit result be lost contact, mark attend a banquet can not be reserved by client (debtor) correspondent party
Formula gets in touch with the client.
Wherein, when it is lost contact that result is paid a return visit in the lending for certain client, determine the contact method failure that the user reserves
Or it is invalid.Specifically include following situations: reserved contact method is spacing, the corresponding owner of reserved contact method is not client
I, or reserved contact method is wrong.
S102: when it is lost contact that result is paid a return visit in the lending of any client, the identity information of lost contact client is obtained.
The client is identified as by lending risk management and control equipment when it is lost contact that result is paid a return visit in the lending for getting any client
Lost contact client obtains the identity information of lost contact client.Identity information is used to obtain the effective connection mode of lost contact client.Identity
Information includes at least ID card No., can also include name, telephone number, address etc..
Wherein, lending risk management and control equipment can be obtained according to the name of lost contact client or the loan of lost contact client number with
Associated identity information.
Alternatively, lending risk management and control equipment is when it is lost contact that result is paid a return visit in the lending for getting any client, notice is attended a banquet
Name, the telephone number of lost contact client are fed back, and obtains the telephone number associated ID card No. with lost contact client.?
Available and lost contact client associated ID card No. of name.
S103: the effective connection mode of the lost contact client is searched based on the identity information.
Since current phone number is all to use system of real name, lending risk management and control equipment can be to common carrier
Application obtains the permission of user information, to search the ID card No. with lost contact client from the corresponding server of common carrier
Associated phone number.When finding phone number associated with the ID card No. of lost contact client, this is got
Phone number is identified as the effective connection mode of lost contact client.
Alternatively, lending risk management and control equipment can crawl message registration from network data base, wherein message registration includes
Name and telephone number.
In one embodiment, S103 may include S1031: institute is crawled from network data base based on the identity information
State the effective connection mode of lost contact client.
Lending risk management and control equipment can crawl the Instant Messenger of the lost contact client enrollment based on the identity information of lost contact client
The account of application is believed, so that from the corresponding server of instant messaging application, the instant messaging for searching the lost contact client enrollment is answered
The corresponding chat record of account, and then search from chat record the effective connection mode of lost contact client；Or it obtains
With the personal information of the account relating of the instant messaging application of the lost contact client enrollment, lost contact client is searched from personal information
Effective connection mode.
The identity information (name, ID card No. etc.) that lending risk management and control equipment is also based on lost contact client crawls this
The member account of lost contact client enrollment, acquisition and the associated telephone number of the member account, based on the telephone number got, often
The telephone number of the enrollment time of a telephone number and the lost contact client reservation screens the effective connection side of the lost contact client
Formula.
Further, S1031 may include: that the lost contact client is crawled from network data base based on the identity information
Message registration；The effective connection mode of the lost contact client is obtained based on the message registration.
Lending risk management and control equipment can ID card No. and name based on lost contact client, using web crawlers technology
(Web crawler) crawls matched effective with the ID card No. and name from the corresponding server of common carrier
Contact method；Or it is crawled from network data base using web crawlers technology matched with the ID card No. and name
Message registration, the telephone number for including from message registration obtain effective contact method.
In another embodiment, S103 may include S1032~S1033, and S1031, S1032~S1033 are square side by side
Case selects an execution.S1032~S1033 is specific as follows:
S1032: the purchaser record of the lost contact client is crawled based on the identity information；The purchaser record includes purchase
The identity information of people.
Lending risk management and control equipment can ID card No. and name based on lost contact client, using web crawlers technology
(Web crawler) crawls the account of the online shopping application of the lost contact client enrollment from network data base.
It is corresponding that lending risk management and control equipment based on the account that online shopping is applied obtains the account from transaction data
Purchaser record；Purchaser record includes the identity information of purchaser.Specifically, the online shopping can be applied using corresponding service
The access authority of device, thus according to the account that the online shopping of the lost contact client enrollment is applied, from the database of server
The corresponding purchaser record of the account is obtained in transaction data, purchaser record includes the information of purchaser, for example, the surname of purchaser
Name, phone post goods address etc..
It is understood that further including purchaser in purchaser record when online shopping application belongs to sea and washes in a pan shopping application
ID card No..
In another embodiment, lending risk management and control equipment can name based on lost contact client, address, from network number
According to the purchaser record for crawling lost contact client in library；The ID card No. and name for being also based on lost contact client are washed in a pan from sea to be purchased
Object is using the purchaser record for crawling lost contact client in corresponding server.
S1033: the effective connection mode of the lost contact client is obtained based on the purchaser record.
Name of the lending risk management and control equipment based on lost contact client, ID card No., the name for including in purchaser record,
The information such as location, telephone number obtain the effective connection mode of lost contact client.
S104: when confirming that the effective connection mode belongs to the lost contact client, more based on the effective connection mode
The contact information of the new lost contact client.
When effective contact method is from the purchaser record nearest apart from current time, and purchaser's surname in purchaser record
When name, address are matched with the name of lost contact client and address, lending risk management and control equipment determines the effective connection side got
Formula belongs to lost contact client, and the contact information of lost contact client is updated based on the effective connection mode.For example, can will lose
The effective connection mode of connection client replaces the contact method of the lost contact client reservation, and lost contact client is deleted from lost contact list
It removes.
It is effective due to lost contact client when points account of the effective contact method from registration or instant messaging application
Contact method is acquired based on its identity information, therefore, it is possible to determine that the effective connection mode got belongs to lost contact visitor
Family.At this point, updating the contact information of lost contact client based on the effective connection mode.
It is understood that lending risk management and control equipment can be with base when lending risk management and control equipment has outer calling function
In effective connection mode outgoing call lost contact client, and in outgoing call success, the identity information based on lost contact client verifies lost contact client
Identity the correspondent party of lost contact client is updated based on effective connection mode when confirming the validity contact method and belonging to lost contact client
Formula information.
Further, when lending risk management and control equipment does not have outer calling function, in order to improve the effective of lost contact client
It is the accuracy of mode, S104 specifically includes S1041~S1042, specific as follows:
S1041: the identity information of the effective connection mode and its corresponding lost contact client is pushed to and is attended a banquet；It is described to have
Effect contact method checks client identity for described attend a banquet for the lost contact client described in outgoing call that attends a banquet, the identity information.
Lending risk management and control equipment, can be by the identity of lost contact client in the effective connection mode for getting lost contact client
Information and effective connection mode are pushed to and attend a banquet, and are based on effective connection mode outgoing call lost contact client to attend a banquet, and outside
When exhaling successfully, identity information based on lost contact client verifies the identity of lost contact client, and by the identification checkup result of lost contact client
Feed back to lending risk management and control equipment.
Being pushed to the identity information attended a banquet may include name, address, ID card No. etc..It attends a banquet and is put through effectively in confirmation
When the identity of the telephone number for including in contact method and its owner are consistent with the identity information of lost contact client, the phone number is determined
Code is the effective connection mode of lost contact client, returns to lending risk management and control equipment and belongs to this for identifying effective contact method
The identification checkup result of lost contact client.
It attends a banquet and puts through identity and the lost contact client of the telephone number for including in effective connection mode and its owner in confirmation
When identity information is not consistent, determining the telephone number not is the effective connection mode of the lost contact client, is set to lending risk management and control
It is standby to return to the identification checkup result for being not belonging to lost contact client for identifying effective contact method.Effective connection mode is to refer to
The telephone number put through.
S1042: when the identification checkup result for receiving the return of attending a banquet is that the effective connection mode belongs to the mistake
When joining client, the contact information of the lost contact client is updated based on the effective connection mode.
Lending risk management and control equipment is that effective connection mode belongs to lost contact in the identification checkup result for getting feedback of attending a banquet
When client, the contact information of lost contact client is updated based on the effective connection mode.
Above scheme obtains the identity information of lost contact client, and base when it is lost contact that result is paid a return visit in the lending of any client
The effective connection mode of lost contact client is searched in the identity information of lost contact client, in the effective connection for finding lost contact client
When mode, the contact method of lost contact client is updated based on the effective connection mode.By obtaining the effective of lost contact client in time
Contact method follows up to the fund state of client or weather in a manner of through effective connection, it is possible to reduce client's
Credit risk hidden danger can also prevent client from filling in invalid telephone number, and then reduce the loan that can not recover client's debt-credit
Risk.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Referring to Fig. 2, Fig. 2 is a kind of lending risk management and control equipment provided in an embodiment of the present invention, lending risk management and control is set
The standby each unit for including is used to execute each step in the corresponding embodiment of Fig. 1.Referring specifically in the corresponding embodiment of Fig. 1
Associated description.For ease of description, only the parts related to this embodiment are shown.Referring to fig. 2, lending risk management and control equipment 2
Include:
First acquisition unit 210, for obtaining the lending return visit result for being directed to each client；
Second acquisition unit 220, for obtaining lost contact when it is lost contact that result is paid a return visit in the lending of any client
The identity information of client；
Searching unit 230, for searching the effective connection mode of the lost contact client based on the identity information；
Updating unit 240, it is described effective for being based on when confirming that the effective connection mode belongs to the lost contact client
Contact method updates the contact information of the lost contact client.
Optionally, updating unit 240 is specifically used for: by the effective connection mode and its identity of corresponding lost contact client
Information, which is pushed to, attends a banquet；The effective connection mode is for the lost contact client described in outgoing call that attends a banquet, and the identity information is for described
It attends a banquet and checks client identity；When the identification checkup result for receiving the return of attending a banquet is described in the effective connection mode belongs to
When lost contact client, the contact information of the lost contact client is updated based on the effective connection mode.
Optionally, searching unit 230 is specifically used for: the lost contact is crawled from network data base based on the identity information
The effective connection mode of client.
Further, searching unit 230 is specifically used for: the purchase note of the lost contact client is crawled based on the identity information
Record；The purchaser record includes the identity information of purchaser；The effective of the lost contact client is obtained based on the purchaser record
It is mode.
Further, searching unit 230 is specifically used for: the mistake is crawled from network data base based on the identity information
Join the message registration of client；The effective connection mode of the lost contact client is obtained based on the message registration.
Fig. 3 is the schematic diagram of lending risk management and control equipment provided in an embodiment of the present invention.As shown in figure 3, the embodiment
Lending risk management and control equipment 3 includes: processor 30, memory 31 and is stored in the memory 31 and can be in the processing
The computer program 32 run on device 30, such as refund program.The realization when processor 30 executes the computer program 32
Step in above-mentioned each lending risk management and control method embodiment, such as step 101 shown in FIG. 1 is to 104.Alternatively, the place
Reason device 30 realizes the function of each unit in above-mentioned each Installation practice, such as mould shown in Fig. 2 when executing the computer program 32
The function of block 210 to 240.
Illustratively, the computer program 32 can be divided into one or more module/units, it is one or
Multiple units are stored in the memory 31, and are executed by the processor 30, to complete the present invention.It is one or more
A module/unit can be the series of computation machine program instruction section that can complete specific function, and the instruction segment is for describing institute
State implementation procedure of the computer program 32 in the lending risk management and control equipment 3.For example, the computer program 32 can be by
It is divided into first acquisition unit, second acquisition unit, searching unit and updating unit, each unit concrete function is as described above.
The lending risk management and control equipment 3 may include, but be not limited only to, processor 30, memory 31.Those skilled in the art
Member is appreciated that Fig. 3 is only the example of lending risk management and control equipment 3, does not constitute the restriction to lending risk management and control equipment 3,
It may include perhaps combining certain components or different components, such as lending risk pipe than illustrating more or fewer components
Controlling equipment 3 can also include input-output equipment, network access equipment, bus etc..
Alleged processor 30 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 31 can be the internal storage unit of the lending risk management and control equipment 3, such as lending risk pipe
Control the hard disk or memory of equipment 3.The memory 31 is also possible to the external storage lending wind of the lending risk management and control equipment 3
The plug-in type hard disk being equipped in dangerous management and control devices, such as lending risk management and control equipment 3, intelligent memory card (Smart Media
Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, described to deposit
Reservoir 31 can also both include the internal storage unit of lending risk management and control equipment 3 or set including external storage lending risk management and control
It is standby.The memory 31 is for other programs needed for storing the computer program and the lending risk management and control equipment 3
And data.The memory 31 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed lending risk management and control device and method, it can
To realize by another way.For example, lending risk management and control apparatus embodiments described above are only schematical, example
Such as, the division of the module or unit, only a kind of logical function partition, can there is other division side in actual implementation
Formula, such as multiple units or components can be combined or can be integrated into another system, or some features can be ignored, or not
It executes.Another point, shown or discussed mutual coupling or direct-coupling or communication connection can be to be connect by some
Mouthful, the INDIRECT COUPLING or communication connection of device or unit can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program code
Dish, CD, computer storage, read-only memory (Read-Only Memory, ROM), random access memory (Random
Access Memory, RAM), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the meter
The content that calculation machine readable medium includes can carry out increase and decrease appropriate according to the requirement made laws in jurisdiction with patent practice,
It such as does not include electric carrier signal and telecommunications according to legislation and patent practice, computer-readable medium in certain jurisdictions
Signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of lending risk management and control method characterized by comprising
Result is paid a return visit in the lending obtained for each client；
When it is lost contact that result is paid a return visit in the lending of any client, the identity information of lost contact client is obtained；
The effective connection mode of the lost contact client is searched based on the identity information；
When confirming that the effective connection mode belongs to the lost contact client, the lost contact is updated based on the effective connection mode
The contact information of client.
2. lending risk management and control method as described in claim 1, which is characterized in that described when the confirmation effective connection mode
When belonging to the lost contact client, the contact information of the lost contact client is updated based on the effective connection mode, comprising:
The identity information of the effective connection mode and its corresponding lost contact client is pushed to and is attended a banquet；The effective connection mode
For the lost contact client described in outgoing call that attends a banquet, the identity information checks client identity for described attend a banquet；
When the identification checkup result for receiving the return of attending a banquet is that the effective connection mode belongs to the lost contact client, base
The contact information of the lost contact client is updated in the effective connection mode.
3. lending risk management and control method as claimed in claim 1 or 2, which is characterized in that described to be looked into based on the identity information
The effective connection mode for looking for the lost contact client includes:
The effective connection mode of the lost contact client is crawled from network data base based on the identity information.
4. lending risk management and control method as claimed in claim 3, which is characterized in that described to be based on the identity information from network
The effective connection mode of the lost contact client is crawled in database, comprising:
The purchaser record of the lost contact client is crawled based on the identity information；The purchaser record includes the identity letter of purchaser
Breath；
The effective connection mode of the lost contact client is obtained based on the purchaser record.
5. lending risk management and control method as claimed in claim 3, which is characterized in that described to be based on the identity information from network
The effective connection mode of the lost contact client is crawled in database, comprising:
The message registration of the lost contact client is crawled from network data base based on the identity information；
The effective connection mode of the lost contact client is obtained based on the message registration.
6. a kind of lending risk management and control equipment characterized by comprising
First acquisition unit, for obtaining the lending return visit result for being directed to each client；
Second acquisition unit, for obtaining lost contact client's when it is lost contact that result is paid a return visit in the lending of any client
Identity information；
Searching unit, for searching the effective connection mode of the lost contact client based on the identity information；
Updating unit, for being based on the effective connection side when confirming that the effective connection mode belongs to the lost contact client
Formula updates the contact information of the lost contact client.
7. lending risk management and control equipment as claimed in claim 6, which is characterized in that the updating unit is specifically used for: by institute
The identity information for stating effective connection mode and its corresponding lost contact client, which is pushed to, attends a banquet；The effective connection mode is for attending a banquet
Lost contact client described in outgoing call, the identity information check client identity for described attend a banquet；When receiving the return of attending a banquet
When identification checkup result is that the effective connection mode belongs to the lost contact client, updated based on the effective connection mode described
The contact information of lost contact client.
8. lending risk management and control equipment as claimed in claims 6 or 7, which is characterized in that the searching unit is specifically used for: base
The effective connection mode of the lost contact client is crawled from network data base in the identity information.
9. a kind of lending risk management and control equipment, the lending risk management and control equipment includes memory, processor and is stored in institute
State the computer program that can be run in memory and on the processor, which is characterized in that the processor executes the meter
It realizes when calculation machine program such as the step of lending risk management and control method described in any one of claim 1 to 5.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In realization such as lending risk management and control method described in any one of claim 1 to 5 when the computer program is executed by processor
The step of.
Priority Applications (1)
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| CN110413654A (en) * | 2019-06-20 | 2019-11-05 | 平安科技（深圳）有限公司 | A kind of method, apparatus, computer equipment and the storage medium of determining client's trusted contacts information |
| CN110428342A (en) * | 2019-08-02 | 2019-11-08 | 腾讯科技（深圳）有限公司 | Data recovery method, server, customer side and storage medium |
| CN110991971A (en) * | 2019-12-12 | 2020-04-10 | 北京金山云网络技术有限公司 | Order execution method and device and electronic equipment |
| CN112817993A (en) * | 2021-01-30 | 2021-05-18 | 上海浦东发展银行股份有限公司 | Method and system for repairing lost customer information |
| CN113630642A (en) * | 2021-09-18 | 2021-11-09 | 广州品唯软件有限公司 | Information sending method and device |
| CN115002074A (en) * | 2021-04-27 | 2022-09-02 | 中移互联网有限公司 | Information acquisition method, device, equipment and storage medium |
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| CN110413654A (en) * | 2019-06-20 | 2019-11-05 | 平安科技（深圳）有限公司 | A kind of method, apparatus, computer equipment and the storage medium of determining client's trusted contacts information |
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| CN112817993B (en) * | 2021-01-30 | 2022-12-02 | 上海浦东发展银行股份有限公司 | Method and system for repairing information of lost customer |
| CN115002074A (en) * | 2021-04-27 | 2022-09-02 | 中移互联网有限公司 | Information acquisition method, device, equipment and storage medium |
| CN115002074B (en) * | 2021-04-27 | 2023-08-15 | 中移互联网有限公司 | Information acquisition method, device, equipment and storage medium |
| CN113630642A (en) * | 2021-09-18 | 2021-11-09 | 广州品唯软件有限公司 | Information sending method and device |
| CN113630642B (en) * | 2021-09-18 | 2024-06-11 | 广州品唯软件有限公司 | Information sending method and device |
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Application publication date: 20190524 |