CN113327161A - Intelligent wind control decision system for credit business - Google Patents
Intelligent wind control decision system for credit business Download PDFInfo
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Abstract
The invention discloses an intelligent wind control decision system for credit business, which comprises a user information input module, an information checking module, a wind evaluation grade determination module, a credit upper limit calculation module, a multi-party feedback module, a mass search module and a blacklist module, wherein the output end of the user information input module is connected with the input end of the information checking module, the output end of the information checking module is connected with an authenticity judgment unit, and the output end of the authenticity judgment unit is respectively connected with the input ends of the wind evaluation grade determination module and the mass search module. The credit investigation system automatically judges credit investigation information of a user applying for loan, checks, calculates and tracks the information for multiple times, lists unqualified users in a blacklist, updates the information for the users in the blacklist in real time, systematically measures and calculates the risk level, provides a basis for the users and the loan party, improves credit decision efficiency, and is suitable for popularization and use.
Description
Technical Field
The invention relates to the technical field of credit wind control decision, in particular to an intelligent wind control decision system for credit business.
Background
The credit business is also called credit property or loan business, is the most important property business of the commercial bank, withdraws principal and interest through paying, deducts cost and obtains profit, so the credit is the main profit making means of the commercial bank. Because the loan is released from the control of the bank, the risk that the interest cannot be recovered on time is large, so a strict loan system is established for the credit on the basis of complying with the contract law and the general rules of loan, and the main contents are as follows: the method comprises the steps of establishing a loan relationship, applying for a loan, surveying before the loan, approving and issuing the loan, checking after the loan, withdrawing and extending the loan, and sanctioning the credit. The risk decision system is a network anti-fraud product, can help numerous small and medium-sized websites without a wind control system or with low fraud prevention capability to establish a fraud prevention barrier, quickly improves the fraud prevention capability, and resists network fraud behaviors from the internet. And further, the method helps the vast middle and small station owners to reduce the loss caused by fraud, improves the user experience, and enhances the competitiveness of the website. With the high-speed development of social economy, traditional small credit institutions and internet small credit companies can start from different scenes, flexible financial services are provided, and small credit business internetization is realized through real-time credit granting, real-time loan payment, pre-credit risk assessment, pre-credit risk management and post-credit risk early warning; in the process of applying for credit, the steps of data authenticity verification, credit evaluation, decision making and the like are generally carried out; the existing credit application mainly depends on manual review, the efficiency is low, the review content is relatively limited, the review information is incomplete, and the credit risk is large; therefore, we propose an intelligent wind control decision system for credit business to solve the above problems.
Disclosure of Invention
The existing credit application based on the background technology mainly depends on manual auditing, is low in efficiency, limited in auditing content, incomplete in auditing information, and causes the problems of large credit risk and the like.
The invention provides an intelligent wind control decision system for credit business, which comprises a user information input module, an information checking module, a wind evaluation grade measuring module, a credit upper limit calculating module, a multi-party feedback module, a mass searching module and a blacklist module, the output end of the user information input module is connected with the input end of the information checking module, the output end of the information checking module is connected with an authenticity judging unit, the output end of the authenticity judging unit is respectively connected with the input ends of the wind evaluation grade measuring module and the mass searching module, the output end of the wind evaluation grade measuring module is connected with the input end of the credit upper limit calculating module, the output end of the credit upper limit calculating module is connected with the input end of the multiparty feedback module, and the output end of the blacklist module is also connected with the input end of the authenticity judging unit.
Preferably, the input end of the user information input module is further connected with the output end of the multiparty feedback module, the input end of the user information input module is further connected with a synchronous tracking unit, and the synchronous tracking unit is used for tracking personal information input by a user.
Preferably, the synchronous tracking unit uploads the personal information of the user to the information checking module synchronously, and the information checking module searches through the internet and uploads the correspondingly searched information and the information input by the user to the authenticity judging unit synchronously.
Preferably, the authenticity judgment unit is configured to match and correspond information input by a user and information searched by the internet, and if the information is the same, the authenticity is judged, and if the information is different, the authenticity is judged.
Preferably, if the information is the same, the judgment is true, and the personal information input by the user is uploaded to the wind evaluation grade determination module, the wind evaluation grade determination module further comprises a capital approval unit and a repayment capacity calculation unit, the capital approval unit is used for approving the assets under the personal name of the user, the repayment capacity calculation unit is used for measuring and calculating the repayment capacity of the user, and the measurement and calculation is carried out according to the current bill transaction condition of the source user.
Preferably, the multi-party feedback module is used for synchronously transmitting the result obtained by calculating the upper limit of the loan amount to the user party and the loan party, and the user information entry module is operated through a touch display screen.
Preferably, the information is judged to be false if the information is different, real personal information of the user is uploaded to the mass searching module, and the mass searching module searches all information of the user through the internet and lists the user in the blacklist module.
Preferably, the blacklist module includes an information tracking unit, a real-time updating unit, a credit investigation unit and a blacklist decapsulation unit, the information tracking unit, the real-time updating unit and the credit investigation unit are sequentially connected, the credit investigation unit is used for judging updated user information, an output end of the credit investigation unit is respectively connected with input ends of the blacklist decapsulation unit and the information tracking unit, and an output end of the blacklist decapsulation unit is connected with an input end of the authenticity judgment unit.
In the invention, the personal information input by the user is tracked through the synchronous tracking unit; the synchronous tracking unit is used for tracking personal information input by a user, if the information is the same, the personal information is judged to be true and the personal information input by the user is uploaded to the evaluation grade determination module, the capital approval unit is used for approving assets under the personal name of the user, the repayment capacity calculation unit is used for measuring and calculating the repayment capacity of the user, and the repayment capacity calculation unit is used for measuring and calculating the current bill transaction condition of the source user; if the information is different, the information is judged to be false, real personal information of the user is uploaded to the mass searching module, and the mass searching module searches all information of the user through the Internet and lists the user in the blacklist module; tracking and auditing unqualified user information for multiple times through a blacklist module, and updating the user information in time; the system automatically judges the credit investigation information of the loan application user, checks, calculates and tracks the information for multiple times, lists the unqualified user in a blacklist, updates the information of the user in the blacklist in real time, measures and calculates the risk level, provides a basis for the user and the loan party, improves the credit decision efficiency, and is suitable for popularization and use.
Drawings
FIG. 1 is a schematic block diagram of an intelligent wind control decision system for credit business proposed by the present invention;
FIG. 2 is a partial block diagram of an intelligent wind control decision system for credit business according to the present invention;
fig. 3 is a partial structural block diagram of an intelligent wind control decision system for credit business according to the present invention.
Detailed Description
The present invention will be further illustrated with reference to the following specific examples.
Examples
Referring to fig. 1-3, an intelligent wind control decision system for credit business comprises a user information input module, an information checking module, a wind evaluation grade determination module, a credit upper limit calculation module, a multi-party feedback module, a mass search module and a blacklist module, wherein the output end of the user information input module is connected with the input end of the information checking module, the output end of the information checking module is connected with an authenticity judgment unit, the output end of the authenticity judgment unit is respectively connected with the input ends of the wind evaluation grade determination module and the mass search module, the output end of the wind evaluation grade determination module is connected with the input end of the credit upper limit calculation module, the output end of the credit upper limit calculation module is connected with the input end of the multi-party feedback module, and the output end of the blacklist module is also connected with the input end of the authenticity judgment unit.
In this embodiment, the input end of the user information input module is further connected with the output end of the multiparty feedback module, the input end of the user information input module is further connected with a synchronous tracking unit, and the synchronous tracking unit is used for tracking personal information input by a user; the synchronous tracking unit synchronously uploads the personal information of the user to the information checking module, the information checking module searches through the Internet and synchronously uploads the correspondingly searched information and the information input by the user to the reality judging unit; the authenticity judging unit is used for matching and corresponding information input by a user and information searched by the Internet, if the information is the same, the authenticity is judged, and if the information is different, the authenticity is judged; if the information is the same, the judgment is true, and the personal information input by the user is uploaded to a wind evaluation grade determination module, the wind evaluation grade determination module further comprises a capital approval unit and a repayment capacity calculation unit, the capital approval unit is used for approving the assets under the personal name of the user, the repayment capacity calculation unit is used for measuring and calculating the repayment capacity of the user, and the measurement and calculation are carried out according to the current bill transaction condition of the source user; the multi-party feedback module is used for synchronously transmitting the result obtained by calculating the upper limit of the loan amount to the user party and the loan party, and the user information input module is operated through the touch display screen; if the information is different, the information is judged to be false, real personal information of the user is uploaded to the mass searching module, and the mass searching module searches all information of the user through the Internet and lists the user in the blacklist module; the blacklist module comprises an information tracking unit, a real-time updating unit, a credit investigation unit and a blacklist decapsulation unit, the information tracking unit, the real-time updating unit and the credit investigation unit are sequentially connected, the credit investigation unit is used for judging updated user information, the output end of the credit investigation unit is respectively connected with the input ends of the blacklist decapsulation unit and the information tracking unit, and the output end of the blacklist decapsulation unit is connected with the input end of the authenticity judgment unit.
In the embodiment, the personal information input by the user is tracked through the synchronous tracking unit; the synchronous tracking unit is used for tracking personal information input by a user, if the information is the same, the personal information is judged to be true and the personal information input by the user is uploaded to the evaluation grade determination module, the capital approval unit is used for approving assets under the personal name of the user, the repayment capacity calculation unit is used for measuring and calculating the repayment capacity of the user, and the repayment capacity calculation unit is used for measuring and calculating the current bill transaction condition of the source user; if the information is different, the information is judged to be false, real personal information of the user is uploaded to the mass searching module, and the mass searching module searches all information of the user through the Internet and lists the user in the blacklist module; and tracking and checking the unqualified user information for multiple times through the blacklist module, updating the user information in time, deblocking the blacklist user through the credit investigation and approval unit through the blacklist deblocking unit, and transmitting the blacklist information which is successfully checked to the authenticity judgment unit for approval.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.
Claims (8)
1. An intelligent wind control decision system for credit business comprises a user information input module, an information checking module, a wind evaluation grade measuring module, a credit upper limit calculating module, a multi-party feedback module, a mass searching module and a blacklist module, it is characterized in that the output end of the user information input module is connected with the input end of the information checking module, the output end of the information checking module is connected with an authenticity judging unit, the output end of the authenticity judging unit is respectively connected with the input ends of the wind evaluation grade measuring module and the mass searching module, the output end of the wind evaluation grade measuring module is connected with the input end of the credit upper limit calculating module, the output end of the credit upper limit calculating module is connected with the input end of the multiparty feedback module, and the output end of the blacklist module is also connected with the input end of the authenticity judging unit.
2. The intelligent wind control decision system for credit business according to claim 1, wherein the input end of the user information input module is further connected with the output end of the multiparty feedback module, the input end of the user information input module is further connected with a synchronous tracking unit, and the synchronous tracking unit is used for tracking personal information input by a user.
3. The intelligent wind control decision system for credit business according to claim 2, wherein the synchronous tracking unit synchronously uploads the personal information of the user to the information checking module, and the information checking module searches through the internet and synchronously uploads the corresponding searched information and the information personally input by the user to the reality judging unit.
4. The intelligent wind control decision system for credit business according to claim 3, wherein the authenticity judgment unit is used for matching and corresponding the information personally input by the user and the information searched by the internet, if the information is the same, the judgment is true, and if the information is different, the judgment is false.
5. The intelligent pneumatic decision system for credit business as claimed in claim 4, wherein if the information is the same, the judgment is true and the personal information entered by the user is uploaded to the wind rating determination module, the wind rating determination module further comprises a capital approval unit and a repayment capacity calculation unit, the capital approval unit is used for approving the personal property under the name of the user, the repayment capacity calculation unit is used for measuring and calculating the repayment capacity of the user according to the transaction condition of the past bill of the source user.
6. The intelligent wind-controlled decision-making system for credit business according to claim 1, wherein the multi-party feedback module is used for synchronously transmitting the result obtained by the calculation of the upper limit of the loan amount to the user party and the lending party, and the user information entry module is operated by a touch-type display screen.
7. The intelligent wind control decision system for credit business according to claim 4, wherein if the information is different, the information is judged to be false, and the real personal information of the user is uploaded to the mass search module, and the mass search module searches all information of the user through the internet and lists the user in the blacklist module.
8. The intelligent wind control decision system for credit business according to claim 1, wherein the blacklist module comprises an information tracking unit, a real-time updating unit, a credit investigation unit and a blacklist decapsulation unit, the information tracking unit, the real-time updating unit and the credit investigation unit are connected in sequence, the credit investigation unit is used for determining updated user information, the output end of the credit investigation unit is connected with the input ends of the blacklist decapsulation unit and the information tracking unit, respectively, and the output end of the blacklist decapsulation unit is connected with the input end of the authenticity determination unit.
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| CN202110704899.5A CN113327161A (en) | 2021-06-24 | 2021-06-24 | Intelligent wind control decision system for credit business |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116308736A (en) * | 2023-02-15 | 2023-06-23 | 广州市花都万穗小额贷款股份有限公司 | Loan money early warning management system |
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| CN116308736A (en) * | 2023-02-15 | 2023-06-23 | 广州市花都万穗小额贷款股份有限公司 | Loan money early warning management system |
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