WO2020082557A1

WO2020082557A1 - Risk analysis method, apparatus, and device for mobile phone number, and readable storage medium

Info

Publication number: WO2020082557A1
Application number: PCT/CN2018/122725
Authority: WO
Inventors: 向纯玉
Original assignee: 深圳壹账通智能科技有限公司
Priority date: 2018-10-25
Filing date: 2018-12-21
Publication date: 2020-04-30
Also published as: CN109636570A

Abstract

A risk analysis method, apparatus, and device for a mobile phone number, and a readable storage medium. An application mobile phone number of a loan applicant is integrated and associated with other information (comprising information of the loan applicant and information of other people) in a "relation" form, and this is conducive to determining the connection between the application mobile phone number and the other information; the risk of the application mobile phone number is analyzed and detected in combination with blacklisting (or greylisting) processing logic. Thus, potential credit fraud risks are effectively predicted by means of big data analysis, the credit analysis accuracy is improved, early warning can be provided for potential risks more effectively, risks can be discovered as early as possible and avoided, and the bad loan ratio of loans can be reduced.

Description

手机号的风险分析方法、装置、设备及可读存储介质Mobile phone number risk analysis method, device, equipment and readable storage medium

本申请要求于2018年10月25日提交中国专利局、申请号为201811251412.7、发明名称为“手机号的风险分析方法、装置、设备及可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。This application requires the priority of the Chinese patent application submitted to the China Patent Office on October 25, 2018, with the application number 201811251412.7 and the invention name "mobile phone number risk analysis method, device, equipment and readable storage medium", all of which The contents are incorporated in this application by reference.

技术领域Technical field

本申请涉及大数据领域，尤其涉及一种手机号的风险分析方法、装置、设备及可读存储介质。This application relates to the field of big data, and in particular, to a mobile phone number risk analysis method, device, equipment, and readable storage medium.

背景技术Background technique

随着社会和金融行业的快速发展，信贷业务活跃于市场。信贷机构在向贷款申请者进行放款前，需要对贷款申请者进行风控分析，以确定其欺诈风险性；在分析过程中，往往会涉及贷款申请者的手机号的风险分析。传统的手机号风险分析方法，是对手机号进行单一的用户验证，判断该号码是否属于贷款申请者；但在这种手机号风险分析方法忽略了手机号与其它信贷信息之间的关联性，从而降低了信贷风险分析的准确性。With the rapid development of the social and financial industries, credit business is active in the market. Credit institutions need to conduct risk control analysis on loan applicants before making loans to loan applicants to determine their fraud risk; in the analysis process, they often involve risk analysis of loan applicants ’mobile phone numbers. The traditional mobile phone number risk analysis method is to perform a single user verification on the mobile phone number to determine whether the number belongs to the loan applicant; but this mobile phone number risk analysis method ignores the correlation between the mobile phone number and other credit information, This reduces the accuracy of credit risk analysis.

发明内容Summary of the invention

本申请的主要目的在于提供一种手机号的风险分析方法、装置、设备及可读存储介质，旨在提高信贷风险分析的准确性。The main purpose of this application is to provide a risk analysis method, device, equipment and readable storage medium for mobile phone numbers, aiming to improve the accuracy of credit risk analysis.

为实现上述目的，本申请提供一种手机号的风险分析方法，所述手机号的风险分析方法包括：To achieve the above purpose, the present application provides a risk analysis method for a mobile phone number. The risk analysis method for a mobile phone number includes:

在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；When receiving the credit request sent by the loan terminal, obtain the application mobile phone number and basic address of the credit applicant corresponding to the credit request;

对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；Performing attribution analysis on the application mobile phone number, obtaining the corresponding application mobile phone number attribution, and establishing an association between the application mobile phone number and the basic address according to a preset association rule and the application mobile phone number attribution;

获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；Obtain the social feature information of the application mobile phone number, and query the reference mobile phone number matching the application mobile phone number in the preset number database according to the social characteristic information, so that the application mobile phone number and the reference mobile phone number Establish an association between

根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；Calculating the relationship between the application mobile phone number and the associated information according to a preset relationship degree formula, where the associated information includes the basic address and the reference mobile phone number;

当所述关联信息属于黑名单信息时，判断所述关系度是否大于预设关系阈值；When the associated information belongs to blacklist information, determine whether the relationship degree is greater than a preset relationship threshold;

若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。If the relationship degree is greater than a preset relationship threshold, it is determined that the application mobile phone number is a risk mobile phone number.

此外，为实现上述目的，本申请还提供一种手机号的风险分析装置，所述手机号的风险分析装置包括：In addition, to achieve the above purpose, the present application also provides a mobile phone number risk analysis device, the mobile phone number risk analysis device includes:

请求接收模块，用于在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；The request receiving module is used to obtain the application mobile phone number and basic address of the credit applicant corresponding to the credit request when the credit request sent by the loan terminal is received;

第一关联模块，用于对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；The first association module is used to analyze the attribution of the application mobile phone number, obtain the corresponding attribution location of the application mobile phone number, and according to the preset association rule and the attribution location of the application mobile phone number in the application mobile phone number and the Establish an association between basic addresses;

第二关联模块，用于获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；The second association module is used to obtain the social characteristic information of the application mobile phone number, and query the reference mobile phone number matching the application mobile phone number in the preset number database according to the social characteristic information, in order to apply for the mobile phone Establish an association between the number and the reference mobile phone number;

关系度计算模块，用于根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；A relationship degree calculation module, configured to calculate the relationship degree between the application mobile phone number and each associated information according to a preset relationship degree formula, wherein each associated information includes the basic address and the reference mobile phone number;

关系度判断模块，用于当所述关联信息属于黑名单信息时，判断所述关系度是否大于预设关系阈值；The relationship degree determination module is used to determine whether the relationship degree is greater than a preset relationship threshold when the associated information belongs to blacklist information;

手机号确定模块，用于若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。The mobile phone number determination module is configured to determine that the application mobile phone number is a risk mobile phone number if the degree of relationship is greater than a preset relationship threshold.

此外，为实现上述目的，本申请还提供一种手机号的风险分析设备，所述信贷网络分析设备包括处理器、存储器、以及存储在所述存储器上并可被所述处理器执行的计算机可读指令，其中所述计算机可读指令被所述处理器执行时，实现如上述的风险分析方法的步骤。In addition, in order to achieve the above object, the present application also provides a risk analysis device for a mobile phone number. The credit network analysis device includes a processor, a memory, and a computer that is stored on the memory and can be executed by the processor. Read instructions, where the computer-readable instructions are executed by the processor to implement the steps of the risk analysis method as described above.

此外，为实现上述目的，本申请还提供一种可读存储介质，所述可读存储介质上存储有计算机可读指令，其中所述计算机可读指令被处理器执行时，实现如上述的手机号的风险分析方法的步骤。In addition, in order to achieve the above object, the present application also provides a readable storage medium that stores computer readable instructions, where the computer readable instructions are executed by a processor to implement the mobile phone as described above No. steps of the risk analysis method.

本申请以“关系”的方式将贷款申请者的申请手机号与其它信息(包括贷款申请者的信息和他人的信息)进行整合和关联，有利于确定申请手机号与其它信息之间的联系；并结合染黑(或染灰)的处理逻辑对申请手机号的风险性进行分析和检测，从而以大数据分析的方式对潜在信贷欺诈风险进行了有效预测，提高了信贷分析的准确性，能够更有效地对潜在风险进行预警，可尽早地发现并规避风险和降低贷款坏账率。This application integrates and associates the loan applicant ’s mobile phone number with other information (including loan applicant ’s information and others ’information) in a“ relationship ”manner, which is conducive to determining the connection between the applicant ’s mobile phone number and other information; Combined with the black (or gray) processing logic to analyze and detect the risk of applying for mobile phone numbers, in order to effectively predict the potential credit fraud risk in the form of big data analysis, improve the accuracy of credit analysis, can More effective early warning of potential risks can detect and avoid risks as early as possible and reduce the loan bad debt rate.

附图说明BRIEF DESCRIPTION

图1为本申请实施例方案中涉及的手机号的风险分析设备的硬件结构示意图；FIG. 1 is a schematic diagram of the hardware structure of a risk analysis device for a mobile phone number involved in an embodiment of the present application;

图2为本申请手机号的风险分析方法第一实施例的流程示意图；2 is a schematic flowchart of a first embodiment of a risk analysis method for a mobile phone number of the application;

图3为图2所示实施例涉及的信息关联示意图；3 is a schematic diagram of information association involved in the embodiment shown in FIG. 2;

图4为本申请手机号的风险分析装置第一实施例的功能模块示意图。4 is a schematic diagram of functional modules of a first embodiment of a risk analysis device for a mobile phone number of the present application.

本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。The implementation, functional characteristics and advantages of the present application will be further described in conjunction with the embodiments and with reference to the drawings.

具体实施方式detailed description

应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。It should be understood that the specific embodiments described herein are only used to explain the present application, and are not used to limit the present application.

本申请实施例涉及的手机号的风险分析方法主要应用于手机号的风险分析设备，该手机号的风险分析设备可以是个人计算机(personal computer，PC)、笔记本电脑、服务器等具有数据处理功能的设备。The risk analysis method of the mobile phone number involved in the embodiments of the present application is mainly applied to the risk analysis equipment of the mobile phone number, and the risk analysis equipment of the mobile phone number may be a personal computer (personal computer (PC), laptop computer, server, etc. with data processing functions) device.

参照图1，图1为本申请实施例方案中涉及的手机号的风险分析设备的硬件结构示意图。本申请实施例中，手机号的风险分析设备可以包括处理器1001(例如中央处理器Central Processing Unit，CPU)，通信总线1002，用户接口1003，网络接口1004，存储器1005。其中，通信总线1002用于实现这些组件之间的连接通信；用户接口1003可以包括显示屏(Display)、输入单元比如键盘(Keyboard)；网络接口1004可选的可以包括标准的有线接口、无线接口(如无线保真WIreless-FIdelity，WI-FI接口)；存储器1005可以是高速随机存取存储器(random access memory，RAM)，也可以是稳定的存储器(non-volatile memory)，例如磁盘存储器，存储器1005可选的还可以是独立于前述处理器1001的存储装置。本领域技术人员可以理解，图1中示出的硬件结构并不构成对本申请的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。Referring to FIG. 1, FIG. 1 is a schematic diagram of a hardware structure of a risk analysis device for a mobile phone number involved in an embodiment of the present application. In the embodiment of the present application, the risk analysis device of the mobile phone number may include a processor 1001 (for example, a central processing unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Among them, the communication bus 1002 is used to realize the connection and communication between these components; the user interface 1003 may include a display (Display), an input unit such as a keyboard (Keyboard); the network interface 1004 may optionally include a standard wired interface, a wireless interface (Such as wireless fidelity WIreless-FIdelity, WI-FI interface); the memory 1005 can be a high-speed random access memory (random access memory, RAM), or a stable memory (non-volatile memory), such as disk memory, memory 1005 may optionally be a storage device independent of the foregoing processor 1001. Those skilled in the art may understand that the hardware structure shown in FIG. 1 does not constitute a limitation on the present application, and may include more or less components than those illustrated, or combine certain components, or arrange different components.

继续参照图1，图1中作为一种计算机可读存储介质的存储器1005可以包括操作***、网络通信模块以及计算机可读指令。在图1中，网络通信模块可用于连接贷款终端，与贷款终端进行数据通信；而处理器1001可以调用存储器1005中存储的计算机可读指令，并执行本申请实施例提供的手机号的风险分析方法。With continued reference to FIG. 1, the memory 1005 in FIG. 1 as a computer-readable storage medium may include an operating system, a network communication module, and computer-readable instructions. In FIG. 1, the network communication module can be used to connect the loan terminal and perform data communication with the loan terminal; and the processor 1001 can call the computer-readable instructions stored in the memory 1005 and perform the risk analysis of the mobile phone number provided in the embodiment of the present application method.

本申请实施例提供了一种手机号的风险分析方法。The embodiment of the present application provides a risk analysis method of a mobile phone number.

参照图2，图2为本申请手机号的风险分析方法第一实施例的流程示意图。Referring to FIG. 2, FIG. 2 is a schematic flowchart of a first embodiment of a risk analysis method for a mobile phone number of the present application.

本实施例中，所述手机号的风险分析方法包括以下步骤：In this embodiment, the risk analysis method of the mobile phone number includes the following steps:

步骤S10，在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；Step S10: When receiving the credit request sent by the loan terminal, obtain the application mobile phone number and basic address of the credit applicant corresponding to the credit request;

随着社会和金融行业的快速发展，信贷业务活跃于市场。信贷机构在向贷款申请者进行放款前，需要对贷款申请者进行风控分析，以确定其欺诈风险性；在分析过程中，往往会涉及贷款申请者的手机号的风险分析。传统的手机号风险分析方法，是对手机号进行单一的用户验证，判断该号码是否属于贷款申请者；但在这种手机号风险分析方法忽略了手机号与其它信贷信息之间的关联性，从而降低了信贷风险分析的准确性。对此，本实施例中提出一种手机号的风险分析方法，在进行信贷风险分析时，在贷款申请者的手机号与其它信息之间建立关联关系，从而对贷款申请者的手机号进行关联分析，提高信贷分析的准确性。With the rapid development of the social and financial industries, credit business is active in the market. Credit institutions need to conduct risk control analysis on loan applicants before making loans to loan applicants to determine their fraud risk; in the analysis process, they often involve risk analysis of loan applicants ’mobile phone numbers. The traditional mobile phone number risk analysis method is to perform a single user verification on the mobile phone number to determine whether the number belongs to the loan applicant; but this mobile phone number risk analysis method ignores the correlation between the mobile phone number and other credit information, This reduces the accuracy of credit risk analysis. In response to this, a risk analysis method for mobile phone numbers is proposed in this embodiment. When performing credit risk analysis, an association relationship is established between the loan applicant ’s mobile phone number and other information, thereby associating the loan applicant ’s mobile phone number Analysis to improve the accuracy of credit analysis.

本实施例中的手机号的风险分析方法是由手机号的风险分析设备实现的，该手机号的风险分析设备以服务器为例进行说明。本实施例中，贷款申请者在需要进行信贷申请时，可在贷款终端(如个人电脑PC、笔记本电脑、手机、平板电脑等)上进行信贷操作，贷款终端则根据贷款申请者的操作向服务器发送对应的信贷请求。服务器在接收到贷款终端发送的信贷请求时，首先要获取贷款申请者的申请手机号。对于该申请手机号的获取，可以是服务器在接收到该信贷请求时向贷款终端发送手机号询问信息，以使贷款申请者根据该手机询问信息在贷款终端中录入自己的申请手机号并发送至服务器；当然也可以是贷款申请者在通过贷款终端进行信贷操作时直接录入申请手机号，由贷款终端将该申请手机号添加至信贷请求中一起发送至服务器。The risk analysis method of the mobile phone number in this embodiment is implemented by the risk analysis device of the mobile phone number, and the risk analysis device of the mobile phone number is described by taking a server as an example. In this embodiment, a loan applicant can perform a credit operation on a loan terminal (such as a personal computer PC, notebook computer, mobile phone, tablet computer, etc.) when it needs to apply for a credit, and the loan terminal sends a request to the server according to the operation of the loan applicant Send the corresponding credit request. When the server receives the credit request sent by the loan terminal, it must first obtain the mobile phone number of the loan applicant. For obtaining the mobile phone number for the application, the server may send the mobile phone number inquiry information to the loan terminal when receiving the credit request, so that the loan applicant may enter his own mobile phone number in the loan terminal according to the mobile phone inquiry information and send it to Of course, it can also be that the loan applicant directly inputs the application mobile phone number when the credit operation is performed through the loan terminal, and the loan terminal adds the application mobile phone number to the credit request and sends it to the server together.

服务器在根据信贷请求获取信贷申请者的申请手机号的同时，还将获取贷款申请者的其它基本信息，包括有贷款申请者在进行贷款申请时主动提供的个人信息，还包括有服务器检测到的环境信息。对于个人信息，包括有家庭地址、工作地址、单位地址、银行账户、身份证、常用联系人等，这些个人信息也可以是贷款申请者在通过贷款终端在网络上提出贷款申请时，自行录入至贷款终端，并由贷款终端发送至服务器中。对于环境信息，则包括有贷款终端的GPS地址、贷款终端的IP地址(Internet Protocol Address，互联网协议地址)等；当然这些环境信息可能是需要得到贷款申请者的授权后服务器才可进行获取。在得到贷款申请者的基本信息时，服务器将会根据这些基本信息获取到对应的基本地址，例如身份证归属地，家庭地址，工作单位地址等。While obtaining the mobile phone number of the credit applicant according to the credit request, the server will also obtain other basic information of the loan applicant, including personal information provided by the loan applicant when making the loan application, as well as the information detected by the server Environmental information. For personal information, including home address, work address, work address, bank account, ID card, frequently used contacts, etc., these personal information can also be the loan applicant's self-entry to The loan terminal is sent to the server by the loan terminal. For environmental information, it includes the GPS address of the loan terminal and the IP address (Internet Protocol Address) of the loan terminal. Of course, these environmental information may only be obtained by the server after obtaining authorization from the loan applicant. When obtaining the basic information of the loan applicant, the server will obtain the corresponding basic address according to the basic information, such as the ID card attribution place, family address, work unit address, etc.

步骤S20，对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；In step S20, the attribution of the application mobile phone number is analyzed to obtain the corresponding application mobile phone number attribution, and the application mobile phone number attribution is between the application mobile phone number and the basic address according to a preset association rule and the application mobile phone number attribution Establish association

本实施例中，服务器在获取到贷款申请者的申请手机号后，将对申请手机号进行归属地分析，确定该申请手机号对应的申请手机号归属地(或称为手机卡开卡地、手机卡归属地)。其中，对于手机号一般具有一定的编码规则，例如我国的手机号一般为11位，而各段的号码又具有不同的含义；如前3位为网络识别号，第4至第7位为地区编码，第8到11位为用户号码，基于这一编码规则，若获取到某一手机号码的前7位(我国的一个手机号)，即可相应的确定该手机号归属地。In this embodiment, after obtaining the application mobile phone number of the loan applicant, the server will analyze the attribution of the application mobile phone number, and determine the application mobile phone number corresponding to the application mobile phone number. Mobile phone card attribution). Among them, mobile phone numbers generally have certain coding rules, for example, China's mobile phone number is generally 11 digits, and the numbers of each segment have different meanings; for example, the first 3 digits are network identification numbers, and the 4th to 7th digits are regions Code, the 8th to 11th digits are user numbers. Based on this coding rule, if the first 7 digits of a mobile phone number (a mobile phone number in China) are obtained, the mobile phone number can be determined accordingly.

具体的，服务器中可预先存储有手机号编码规则，在获取到贷款申请者的申请手机号时，即可根据该手机号编码规则对申请手机号进行分段切分，获取到其中的地址特征片段，该地址特征片段包括网络识别号和地区编码(如手机号的前7位)，然后根据地址特征片段的号码(或字符串)和手机号编码规则确定对应手机号归属地。值得说明的，对于同一个地区编码，若对应了不同的网络识别号，则可能会得出不同的地址，例如对于1234567****和3214567****的两个号码，虽然两者的地区编码相同，但由于运营商或号码管理的原因，由于网络识别号不同，因此其地区编码规则也可能发生变化；因此在对手机号对申请手机号进行分析时，首先需要根据申请手机号的网络识别号获取对应的预设地区编码表，其中该预设地区编码表中记录有地区编码与归属地之间的映射关系；然后再根据该预设地区编码表和申请手机号的地区编码确定申请手机号的申请手机号归属地。Specifically, the mobile phone number coding rule may be pre-stored in the server. When the loan applicant's application mobile phone number is obtained, the application mobile phone number may be segmented according to the mobile phone number coding rule to obtain the address characteristics therein Fragment, the address feature segment includes the network identification number and area code (such as the first 7 digits of the mobile phone number), and then determines the corresponding mobile phone number attribution according to the address feature segment number (or character string) and the mobile phone number encoding rules. It is worth noting that for the same area code, if it corresponds to different network identification numbers, different addresses may be obtained, for example, for the two numbers of 1234567 **** and 3214567 ****, although the two The area codes are the same, but due to operator or number management reasons, due to different network identification numbers, the area code rules may also change; therefore, when analyzing the mobile phone number for the application mobile phone number, first need to The network identification number obtains the corresponding preset area code table, in which the mapping relationship between the area code and the attribution is recorded in the preset area code table; then it is determined according to the preset area code table and the area code of the application mobile phone number Where to apply for a mobile phone number?

本实施例中，服务器在确定申请手机号的申请手机号归属地时，将会基于预设关联规则和申请手机号归属地在申请手机号和步骤S10所获得的基本地址之间建立关联，从而将贷款申请者的申请手机号与贷款申请者的其它地址信息联系起来，形成地址关联网络；在该地址关联网络中，贷款申请者的申请手机号也可以是看作一个地址(申请手机号归属地址)，此时该地址关联网络中至少包括两个地址(一个手机号归属地址和至少一个基本地址)。而对于申请手机号与基本地址的关联，则可以是根据多种方式建立的。In this embodiment, when determining the attribution location of the application mobile phone number, the server will establish an association between the application mobile phone number and the basic address obtained in step S10 based on the preset association rule and the application mobile phone number attribution location, thereby Link the loan applicant's mobile phone number with other address information of the loan applicant to form an address-associated network; in this address-linked network, the loan applicant's mobile phone number can also be regarded as an address (the application mobile phone number belongs to Address), at this time, the address associated network includes at least two addresses (a mobile phone number home address and at least one basic address). The association between the application mobile phone number and the basic address can be established in various ways.

可选地，对于申请手机号与基本地址的关联，可以是通过距离匹配的方式建立的距离匹配关联。具体的，服务器首先将确定各基本地址所对应的真实位置，然后确定申请手机号归属地与基本地址的真实距离；当该真实距离小于预设距离阈值时，即可在申请手机号与该基本地址之间建立距离匹配关联。例如，对于申请手机号归属地X省Y市a区和工作单位地址X省Y市c区，两者的真实地址距离为1000米，小于预设距离阈值5000米，则可在两者之间建立距离匹配关联。进一步的，当两个地址因子建立距离匹配关联后，还可以根据真实地址距离的大小定义其关联强度值，真实地址距离越小，关联强度值越大。通过距离匹配的关联方式，可从实际距离的维度将申请手机号与基本地址进行关联，以进行后续的欺诈分析。Optionally, for the association of the application mobile phone number and the basic address, it may be a distance matching association established by way of distance matching. Specifically, the server will first determine the real location corresponding to each basic address, and then determine the real distance between the application mobile phone number attribution and the basic address; when the real distance is less than the preset distance threshold, you can apply for the mobile phone number and the basic address Establish a distance matching association between addresses. For example, for the mobile phone number attribution area X province Y city a district and work unit address X province Y city c district, the real address distance between the two is 1000 meters, less than the preset distance threshold of 5000 meters, you can Establish a distance matching association. Further, after the two address factors establish a distance matching association, the association strength value can also be defined according to the size of the real address distance. The smaller the real address distance, the larger the association strength value. Through the association method of distance matching, the application mobile phone number can be associated with the basic address from the dimension of actual distance for subsequent fraud analysis.

进一步的，当建立距离匹配关联后，还可以根据真实距离的大小定义其关联强度值，真实距离越小，关联强度值越大。通过距离匹配的关联方式，可从真实距离的维度将申请手机号与真实距离较近的基本地址进行关联，以进行后续分析。Further, after the distance matching association is established, its association strength value can also be defined according to the size of the real distance. The smaller the real distance, the larger the association strength value. Through the distance matching association method, the application mobile phone number can be associated with the basic address that is closer to the true distance from the dimension of true distance for subsequent analysis.

可选地，对于申请手机号与基本地址的关联，还可以是通过模糊匹配的方式建立的模糊匹配关联，即计算申请手机号地址与基本地址之间的地址文本匹配度，若该地址文本匹配度大于预设文本阈值，即可在申请手机号与该基本地址之间建立模糊匹配关联。具体的，服务器首先根据一定的规则分别将申请手机号地址和基本地址量化为对应的第一地址字符组S1和第二地址字符组S2，地址字符组的形式可以为(省，市，区)，当然该规则和地址字符组的形式也可以根据实际情况进行设置；在量化完成时，服务器对第一地址字符组S1和第二地址字符组S2进行并集运算得到全字符组S(该全字符组中不含有重复的元素)；随后，服务器将分别根据全字符组S的各字符在第一地址字符组S1和第二地址字符组S2中出现频率、确定对应的第一频率组SS1和第二频率组SS2；在得到第一频率组SS1和第二频率组SS2时，即可将第一频率组SS1和第二频率组SS2代入至预设文本匹配公式中计算申请手机号地址与基本地址之间的地址文本匹配度，该预设文本匹配公式为：Optionally, for the association between the application mobile phone number and the basic address, it may also be a fuzzy matching association established by means of fuzzy matching, that is, calculating the matching degree of the address text between the application mobile phone number address and the basic address, if the address text matches If the degree is greater than the preset text threshold, a fuzzy matching association can be established between the application mobile phone number and the basic address. Specifically, the server first quantizes the application mobile phone number address and basic address into the corresponding first address character group S1 and second address character group S2 according to certain rules, and the form of the address character group may be (province, city, district) Of course, the rule and the form of the address character group can also be set according to the actual situation; when the quantization is completed, the server performs a union operation on the first address character group S1 and the second address character group S2 to obtain the full character group S (the full The character group does not contain duplicate elements); then, the server will determine the corresponding first frequency group SS1 and the corresponding frequency group S1 and S2 in the first address character group S1 and the second address character group S2 The second frequency group SS2; when the first frequency group SS1 and the second frequency group SS2 are obtained, the first frequency group SS1 and the second frequency group SS2 can be substituted into the preset text matching formula to calculate the application phone number address and basic The matching degree of address text between addresses. The preset text matching formula is:

其中，sim(SS1,SS2)为申请手机号地址与基本地址之间的地址文本匹配度，p为第一频率组SS1或第二频率组SS2的元素数量；SS1i为所述第一频率组SS1第i个元素，SS2i所述第二频率组SS2第i个元素，0＜i≤p，且i为整数。若该地址文本匹配度大于预设文本阈值，即可在申请手机号与该基本地址之间建立模糊匹配关联。进一步的，当申请手机号地址与基本地址建立模糊匹配关联后，还可以根据地址文本匹配度的大小定义其关联强度值，地址文本匹配度越大，关联强度值越大。通过模糊匹配的关联方式，可从地址文本的维度将申请手机号与基本地址进行关联，以进行后续分析。Among them, sim (SS1, SS2) is the address text matching degree between the application mobile phone number address and the basic address, p is the number of elements of the first frequency group SS1 or the second frequency group SS2; SS1i is the first frequency group SS1 The i-th element, the i-th element of the second frequency group SS2 of SS2i, 0 <i≤p, and i is an integer. If the matching degree of the address text is greater than the preset text threshold, a fuzzy matching association can be established between the application mobile phone number and the basic address. Further, after the application of the mobile phone number address and the base address establish a fuzzy matching association, the association strength value can also be defined according to the size of the address text matching degree. The greater the address text matching degree, the greater the association strength value. Through the fuzzy matching association method, the application mobile phone number can be associated with the basic address from the dimension of the address text for subsequent analysis.

值得说明的是，若申请手机号无法与任何一个基本地址建立关联，说明该申请手机号具有较大的信息孤立性，此时可直接认为申请手机号是可疑的，并将该申请手机号确定为风险手机号。It is worth noting that if the application mobile phone number cannot be associated with any basic address, it means that the application mobile phone number has greater information isolation. At this time, the application mobile phone number can be directly considered suspicious and the application mobile phone number is determined. Mobile phone number for risk.

步骤S30，获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；Step S30: Obtain the social characteristic information of the application mobile phone number, and query the reference mobile phone number matching the application mobile phone number in the preset number database according to the social characteristic information, so that the application mobile phone number and the Establish an association between reference phone numbers;

本实施例中，服务器还将要获取与该申请手机号关联的社交特征信息，社交特征信息包括该申请手机号的通话记录、短信记录、通信录(联系人号码)等。而对于该社交特征信息的获得，可以是服务器在得到贷款申请者的授权后，通过安装在该申请手机号对应移动终端中的特征获取SDK(Software Development Kit，软件开发工具包)或其它技术、抓取移动终端中的相关社交特征信息；当然还可以是服务器在得到贷款申请者的授权后，从运营商处获取该申请手机号的社交特征信息，例如贷款申请者通过贷款终端进行信贷申请时，还将一同提供申请手机号和手机号信息获取密钥(如密码等)，服务器则可与运营商的数据***连接，并根据该手机号信息获取密钥从该数据***中获取该申请手机号的社交特征信息。In this embodiment, the server will also obtain social feature information associated with the application mobile phone number, and the social feature information includes the call record, short message record, and contact list (contact number) of the application mobile phone number. For obtaining the social feature information, the server may obtain the SDK (Software Development Kit) or other technologies through the features installed in the mobile terminal corresponding to the application mobile phone number after obtaining authorization from the loan applicant. Grab the relevant social feature information in the mobile terminal; of course, the server can obtain the social feature information of the application mobile phone number from the operator after obtaining the authorization of the loan applicant, for example, when the loan applicant applies for a credit through the loan terminal , Will also provide the application mobile phone number and mobile phone number information to obtain the key (such as password, etc.), the server can be connected to the operator's data system, and according to the mobile phone number information to obtain the key to obtain the application mobile phone from the data system Social information of the number.

服务器在得到申请手机号的社交特征信息时，将根据该社交特征信息在预设号码库中查询与申请手机号匹配的参考手机号，并申请手机号与参考手机号之间建立关联。其中，该预设号码库，包括有历史借贷事件获得的历史号码，还包括有通过爬虫技术从网络上获取的网络号码；而对于申请手机号的社交特征信息，可在一定程度上反映了贷款申请者的社交特征，如通话记录、短信记录和通信录等，即反映了贷款申请者的社交对象。本实施例中服务器查询与申请手机号匹配的参考手机号，即是为了查找与贷款申请者(申请手机号)具有相似社交特征的参考人(参考手机号)。例如，社交特征信息以通话记录为例，贷款申请者的申请手机号为A，申请手机号A对应的通话记录集为A1，服务器从预设号码库获取到的参考手机号为B，参考手机号为B对应的通话记录集为B1；服务器将对通话记录集A1和通话记录集为B1进行比对，判断两者的通话相似度是否大于预设通话阈值；若两者的通话相似度大于预设通话阈值，则说明两个号码的社交特征具有一定相似性(关联性)，此时可在申请手机号A和参考手机号B之间建立关联。进一步的，对于通话记录相似度，则可以以相同通话对象数来衡量，相同通话对象数越大，通话相似度越高；当然，服务器在通过相同通话对象数分析通话记录集A1和通话记录集为B1的通话相似度时，是统计预设时间段(如一年内)的相同通话对象数，根据该预设时间段两者的相同通话对象数判断所述通话相似度是否大于预设通话阈值。当然，在实际中，对于不同类型的社交特征信息，其相似度对应的相似阈值可以设置为不同的标准。When the server obtains the social feature information of the application mobile phone number, it will query the reference mobile phone number matching the application mobile phone number in the preset number database according to the social feature information, and establish an association between the application mobile phone number and the reference mobile phone number. Among them, the preset number database includes historical numbers obtained from historical loan events, and also includes network numbers obtained from the Internet through crawler technology; and social feature information for applying for mobile phone numbers can reflect loans to a certain extent Applicants' social characteristics, such as call records, SMS records, and address books, reflect the social objects of loan applicants. In this embodiment, the server queries the reference mobile phone number that matches the application mobile phone number, that is, to find a reference person (reference mobile phone number) with similar social characteristics as the loan applicant (application mobile phone number). For example, the social feature information uses call records as an example, the loan applicant's application phone number is A, the application phone number A corresponds to the call record set is A1, the reference phone number obtained by the server from the preset number database is B, the reference phone The call record set corresponding to number B is B1; the server will compare the call record set A1 and the call record set B1 to determine whether the call similarity between the two is greater than the preset call threshold; if the call similarity between the two is greater than The preset call threshold indicates that the social characteristics of the two numbers have a certain similarity (association). At this time, an association can be established between the application mobile phone number A and the reference mobile phone number B. Further, the similarity of call records can be measured by the number of the same call objects. The larger the number of the same call objects, the higher the call similarity; of course, the server is analyzing the call record set A1 and the call record set through the same number of call objects When the call similarity is B1, the number of the same call objects in a preset time period (such as within one year) is counted, and whether the call similarity is greater than a preset call threshold is determined according to the number of the same call objects in the preset time period. Of course, in practice, for different types of social feature information, the similarity threshold corresponding to the similarity may be set to different standards.

值得说明的是，对于本实施例中与申请手机号进行直接关联的基本地址和参考手机号，可称为一次关联信息；而对于一次关联信息，还可能会与其它的信息具有关联，例如基本地址中的工作地址与该地址的单位实体(如单位类型、单位股东等)关联，基本地址中家庭地址与该地址的小区信息(如小区房价、小区物业信息等)关联，又例如参考手机号与该参考手机号的号码归属地、手机号持有人等关联；对于这些与一次关联信息关联的其它信息，为描述方便，可称为二次关联信息，这些二次关联信息可看作与申请手机号间接关联；一次关联信息与二次关联信息统称为关联信息，申请手机号与关联信息均具有关联关系(直接关联或间接关联)。依此类推，申请手机号还可以与三次关联信息、四次关联信息等进行关联，从而以申请手机号为起点，建立信息关联图谱(信息关联网络)，以进行后续的风险分析。It is worth noting that, in this embodiment, the basic address and reference mobile phone number that are directly associated with the application mobile phone number can be referred to as primary association information; and for the primary association information, it may also be associated with other information, such as basic The working address in the address is associated with the unit entity of the address (such as unit type, unit shareholder, etc.), and the home address in the basic address is associated with the cell information of the address (such as cell price, cell property information, etc.), and for example, refer to the mobile phone number It is associated with the number attribution of the reference mobile phone number, the mobile phone number holder, etc .; for other information associated with the primary associated information, for the convenience of description, it can be referred to as secondary associated information. These secondary associated information can be regarded as associated with Apply for indirect association of mobile phone number; primary association information and secondary association information are collectively referred to as association information. Both the application of mobile phone number and association information have association relationship (direct association or indirect association). By analogy, the application for mobile phone number can also be associated with three times of associated information, four times of associated information, etc., so as to establish an information association map (information association network) from the application of mobile phone number for subsequent risk analysis.

步骤S40，根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；Step S40: Calculate the relationship between the applied mobile phone number and the associated information according to a preset relationship degree formula, where the associated information includes the basic address and the reference mobile phone number;

本实施例中，在申请手机号与基本地址、参考手机号建立关联后，服务器将根据预设关系度公式计算申请手机号与各关联信息之间的关系度，其中这些关联信息包括基本地址和参考手机号。而对于申请手机号与关联信息之间的关系度，则可看作是申请手机号与关联信息之间联系紧密的表征；关系度越大，两者的联系越紧密。其中预设关系度公式为：In this embodiment, after the application mobile phone number is associated with the basic address and the reference mobile phone number, the server will calculate the relationship between the application mobile phone number and the associated information according to a preset relationship degree formula, where the association information includes the basic address and Reference mobile phone number. The relationship between the application mobile phone number and the associated information can be regarded as a representation of the close connection between the application mobile phone number and the associated information; the greater the relationship, the closer the connection between the two. The formula of the preset relationship degree is:

其中f为申请手机号与关联信息之间的关系度；Where f is the degree of relationship between the application mobile phone number and related information;

m为申请手机号与关联信息之间的最短关联路径上的路径信息数量，且路径信息包括所述申请手机号和所述关联信息，m≥2；值得说明的是，当申请手机号所关联的关联信息包括一次关联信息、二次关联信息、三次关联信息等时，若计算的是一次关联信息与申请手机号的关系度，则m＝2，若计算的是二次关联信息与申请手机号的关系度，则m＝3，依此类推；m is the number of path information on the shortest associated path between the application mobile phone number and the associated information, and the path information includes the application mobile phone number and the associated information, m ≥ 2; it is worth noting that when the application mobile phone number is associated When the associated information includes primary associated information, secondary associated information, tertiary associated information, etc., if the relationship between the primary associated information and the applied mobile phone number is calculated, m = 2, if the secondary associated information and the applied mobile phone are calculated The relationship of the number, then m = 3, and so on;

k ₀为与关联信息的信息类型对应的预设距离系数，0＜k ₀；对于各类关联信息的k ₀，可以是服务器中预先设置，如服务器中预先存储有信息系数表，信息系数表中记录有类各关联信息所对应的k ₀值，服务器可根据要计算的关联信息的信息类型查询该信息系数表从而确定出k ₀值，例如工作地址(基本地址)的k ₀值为12，参考手机号的k ₀值为15等； k ₀ is the preset distance coefficient corresponding to the information type of the associated information, 0 <k ₀ ; for all types of associated information, k ₀ can be preset in the server, such as the information coefficient table and the information coefficient table stored in the server in advance k ₀ values are recorded for each class corresponding to the association information, the server may query the coefficient information table according to the type of information associated with the information to be calculated to determine the value of k _0, for example, work address (base address) of the value of k ₀ 12 , The k ₀ value of the reference mobile phone number is 15, etc .;

x ₀为与关联信息的信息类型对应的预设强度系数，0＜x ₀；对于上述的信息系数表，还记录有类各关联信息所对应的x ₀值，服务器可根据要计算的关联信息的信息类型查询该信息系数表从而确定出x ₀值； x ₀ is the preset intensity coefficient corresponding to the information type of the related information, 0 <x ₀ ; for the above information coefficient table, the x ₀ value corresponding to each type of related information is also recorded, and the server can calculate the related information according to Query the information coefficient table to determine the x ₀ value;

k _i为最短关联路径上各路径信息各自对应的关联距离系数，0＜k _i，k _i可根据路径信息与关联信息之间的最短关联路径的关联距离d _i(即最短关系链中的关系数)与预设关联距离公式确定，且在预设关联距离公式中k _i与d _i呈负相关的关系，d _i越大，k _i越小；当然预设关联距离公式可以是根据实际情况进行设置，例如k _i＝d _i ^-1； k _i is the correlation distance coefficient corresponding to each path information on the shortest correlation path, 0 <k _i , k _i can be based on the correlation distance d _i (that is, the relationship in the shortest relationship chain) of the shortest correlation path between the path information and the correlation information Number) is determined with the preset correlation distance formula, and in the preset correlation distance formula, k _i and d _{i have} a negative correlation. The greater d _i is, the smaller k _{i is} ; of course, the preset correlation distance formula can be based on the actual situation Make settings, for example, k _i = d _i ^-1 ;

x _i为最短关联路径上各路径信息各自对应的关系强度系数，0＜x _i，与路径信息的信息类型有关，例如家庭地址的关系强度系数大于单位地址的关系强度系数； x _i is the relationship strength coefficient corresponding to each path information on the shortest associated path, 0 <x _i , which is related to the information type of the path information, for example, the relationship strength coefficient of the home address is greater than the relationship strength coefficient of the unit address;

u _i为最短关联路径上各路径信息各自对应的衰减因子系数，0＜u _i≤1，与路径信息的信息类型有关，例如家庭地址的衰减因子系数小于单位地址的衰减因子系数，当然该关联强度系数还可以与建立关联时的关联强度值有关(路径信息与关联信息方向的相邻信息的关联强度值越大，衰减因子系数越小)。 u _i is the attenuation factor coefficient corresponding to each path information on the shortest associated path, 0 <u _i ≤1, which is related to the information type of the path information, for example, the attenuation factor coefficient of the home address is less than the attenuation factor coefficient of the unit address, of course, the association The strength coefficient may also be related to the strength value of the association when the association is established (the greater the strength value of the association between the path information and the adjacent information in the direction of the association information, the smaller the attenuation factor coefficient).

具体的，在进行计算申请手机号与某一关联信息的关联度时，首先获取该关联信息的预设距离系数k ₀和预设强度系数x ₀；然后根据申请手机号与该关联信息的关联关系确定两者的计算关系路径，其中若申请手机号与该关联信息之间有多条关系路径，则选择关系数最少的一条作为计算关系路径(即最短关系路径)；在确定计算关系路径时，将要确定该计算关系路径上的所有路径信息(包括申请手机号与该关联信息)，并根据计算关系路径的关联距离、各路径信息的信息类型、关联强度等确定各路径信息对应的关联距离系数k _i、衰减因子系数u _i和关联强度系数x _i，再将各参数代入至上述公式中，即可计算出申请手机号与该关联信息的关系度。服务器在计算得申请手机号与该关联信息之间的关系度时，还可生成对应的信息关联图并标注关系度，如图3所示，图3中关联信息包括家庭地址(关系度73)、单位地址(关系度80)、参考手机号(关系度58)。 Specifically, when calculating the degree of association between the application mobile phone number and certain associated information, first obtain the preset distance coefficient k ₀ and the preset intensity coefficient x _{0 of} the associated information; then according to the association of the application mobile phone number and the associated information The relationship determines the calculation relationship path between the two. If there are multiple relationship paths between the application mobile phone number and the associated information, the one with the least number of relationships is selected as the calculation relationship path (that is, the shortest relationship path); when determining the calculation relationship path , To determine all the path information (including the application phone number and the associated information) on the calculated relationship path, and determine the related distance corresponding to each path information according to the related distance of the calculated relationship path, the information type of each path information, and the relationship strength The coefficient k _i , the attenuation factor coefficient u _i and the correlation strength coefficient x _i , and then substituting each parameter into the above formula, the degree of relationship between the application mobile phone number and the correlation information can be calculated. When the server calculates the relationship between the application mobile phone number and the associated information, it can also generate a corresponding information association map and mark the relationship, as shown in FIG. 3, the associated information in FIG. 3 includes the home address (the relationship 73) , Unit address (relationship 80), reference mobile phone number (relationship 58).

步骤S40，当所述基本位置因子属于黑名单因子时，判断所述关系度是否大于预设关系阈值；Step S40, when the basic location factor belongs to a blacklist factor, determine whether the relationship degree is greater than a preset relationship threshold;

本实施例中，服务器在得到申请手机号与该关联信息之间的关系度时，即可通过染黑逻辑(或染灰逻辑)对申请手机号进行欺诈风险分析。具体的，当某一关联信息属于黑名单信息(或者该关联信息确认为虚假)时，服务器将判断申请手机号与该关联信息之间的关系度是否大于预设阈值，即通过两者之间的关系紧密程度关联分析申请手机号的风险性。In this embodiment, when obtaining the degree of relationship between the application mobile phone number and the associated information, the server can perform fraud risk analysis on the application mobile phone number through black-staining logic (or gray-staining logic). Specifically, when a piece of related information belongs to blacklist information (or the related information is confirmed to be false), the server will determine whether the relationship between the application mobile phone number and the related information is greater than a preset threshold, that is, through the two The degree of close relationship is related to the analysis of the risk of applying for a mobile phone number.

步骤S50，若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。Step S50, if the relationship degree is greater than a preset relationship threshold, it is determined that the application mobile phone number is a risk mobile phone number.

本实施例中，若申请手机号与该黑名单关联信息之间的关系度大于预设阈值，则可认为申请手机号也是可疑的，并将该申请手机号确定为风险手机号。In this embodiment, if the relationship between the application mobile phone number and the blacklist associated information is greater than a preset threshold, the application mobile phone number may be considered suspicious and the application mobile phone number is determined to be a risky mobile phone number.

进一步的，在确定申请手机号为风险手机号时，服务器还可以根据关系度给出相关的处理建议。例如服务器中设置有预设复核阈值，其中预设复核阈值大于预设关系阈值；当确定申请手机号为风险手机号时(申请手机号与该黑名单关联信息之间的关系度大于预设阈值)，还将判断申请手机号与该黑名单关联信息之间的关系度是否大于预设复核阈值；若该关系度大于预设复核阈值，则服务器将输出拒绝放款的建议；若该关系度小于或等于预设复核阈值，则服务器将输出人工复核的建议。通过这样的方式，可在提高信贷风险分析的准确性的同时，降低误判率。Further, when it is determined that the application mobile phone number is a risk mobile phone number, the server may also give related processing suggestions according to the relationship degree. For example, a preset review threshold is set in the server, where the preset review threshold is greater than the preset relationship threshold; when the application mobile phone number is determined to be a risk mobile phone number (the relationship between the application mobile phone number and the blacklist associated information is greater than the preset threshold ), Will also determine whether the relationship between the application mobile phone number and the blacklist-related information is greater than the preset review threshold; if the relationship is greater than the preset review threshold, the server will output a proposal to reject the loan; if the relationship is less than Or equal to the preset review threshold, the server will output the manual review recommendations. In this way, the accuracy of credit risk analysis can be improved while reducing the rate of misjudgment.

再进一步的，服务器在对手机号的风险性进行分析之后，还可以生成对应的分析报告，分析报告的内容可以包括申请手机号与基本地址、参考手机号建立关联的建立过程(包括计算过程)、信息关联图、关系度计算和判断过程等，以供分析人员查看。Further, after analyzing the risk of the mobile phone number, the server can also generate a corresponding analysis report, and the content of the analysis report can include the establishment process (including the calculation process) of applying for the mobile phone number and the basic address and referring to the mobile phone number. , Information correlation diagram, relationship calculation and judgment process, etc., for the analyst to view.

本实施例在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；当所述关联信息属于黑名单信息时，判断所述关系度是否大于预设关系阈值；若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。通过以上方式，本实施例以“关系”的方式将贷款申请者的申请手机号与其它信息(包括贷款申请者的信息和他人的信息)进行整合和关联，有利于确定申请手机号与其它信息之间的联系；并结合染黑(或染灰)的处理逻辑对申请手机号的风险性进行分析和检测，从而对潜在信贷欺诈风险进行了有效预测，提高了信贷分析的准确性，能够更有效地对潜在风险进行预警，可尽早地发现并规避风险和降低贷款坏账率。In this embodiment, when the credit request sent by the loan terminal is received, the application mobile phone number and basic address of the credit applicant corresponding to the credit request are obtained; the attribution analysis of the application mobile phone number is performed to obtain the corresponding application mobile phone number attribution place And establish an association between the application mobile phone number and the basic address according to the preset association rule and the application mobile phone number attribution; obtain the social feature information of the application mobile phone number, and according to the social feature information in Query a reference mobile phone number matching the application mobile phone number in the preset number database to establish an association between the application mobile phone number and the reference mobile phone number; calculate the application mobile phone number and each according to a preset relationship degree formula The degree of relationship between related information, wherein the related information includes the basic address and the reference mobile phone number; when the related information belongs to blacklist information, it is determined whether the degree of relationship is greater than a preset relationship threshold; if If the relationship degree is greater than a preset relationship threshold, it is determined that the application mobile phone number is a risk mobile phone number. In the above manner, this embodiment integrates and associates the loan applicant ’s mobile phone number with other information (including loan applicant ’s information and other people ’s information) in a “relationship” manner, which is conducive to determining the application phone number and other information The connection between them; combined with the black (or gray) processing logic to analyze and detect the risk of applying for mobile phone numbers, so as to effectively predict the potential credit fraud risk, improve the accuracy of credit analysis, and improve Effective early warning of potential risks can detect and avoid risks as early as possible and reduce the loan bad debt rate.

此外，本申请实施例还提供一种手机号的风险分析装置。In addition, the embodiments of the present application also provide a risk analysis device for a mobile phone number.

参照图4，图4为本申请手机号的风险分析装置第一实施例的功能模块示意图。Referring to FIG. 4, FIG. 4 is a schematic diagram of functional modules of a first embodiment of a risk analysis device for a mobile phone number of the present application.

本实施例中，所述手机号的风险分析装置包括：In this embodiment, the risk analysis device of the mobile phone number includes:

请求接收模块10，用于在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；The request receiving module 10 is used to obtain the application mobile phone number and basic address of the credit applicant corresponding to the credit request when receiving the credit request sent by the loan terminal;

第一关联模块20，用于对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；The first association module 20 is configured to analyze the attribution of the application mobile phone number, obtain the corresponding attribution location of the application mobile phone number, and according to the preset association rule and the attribution location of the application mobile phone number in the application mobile phone number and location Establish an association between the basic addresses;

第二关联模块30，用于获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；The second association module 30 is configured to obtain the social feature information of the application mobile phone number, and query the reference mobile phone number matching the application mobile phone number in a preset number database according to the social feature information to apply in the application Establish an association between the mobile phone number and the reference mobile phone number;

关系度计算模块40，用于根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；The relationship degree calculation module 40 is configured to calculate the relationship degree between the application mobile phone number and the associated information according to a preset relationship degree formula, where the associated information includes the basic address and the reference mobile phone number;

关系度判断模块50，用于当所述关联信息属于黑名单信息时，判断所述关系度是否大于预设关系阈值；The relationship degree determination module 50 is configured to determine whether the relationship degree is greater than a preset relationship threshold when the associated information belongs to blacklist information;

手机号确定模块60，用于若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。The mobile phone number determination module 60 is configured to determine that the application mobile phone number is a risk mobile phone number if the relationship degree is greater than a preset relationship threshold.

其中，上述手机号的风险分析装置的各虚拟功能模块存储于图1所示手机号的风险分析设备的存储器1005中，用于实现计算机可读指令的所有功能；各模块被处理器1001执行时，可实现将申请手机号与多种信息进行整合和关联，并结合染黑(或染灰)的处理逻辑对申请手机号进行风险分析的功能。Wherein, each virtual function module of the above-mentioned mobile phone number risk analysis device is stored in the memory 1005 of the mobile phone number risk analysis device shown in FIG. 1 and is used to implement all functions of computer-readable instructions; when each module is executed by the processor 1001 It can realize the function of integrating and correlating the application mobile phone number with a variety of information, and combining with the black (or gray) processing logic to carry out risk analysis on the application mobile phone number.

进一步的，所述第一关联模块20包括：Further, the first association module 20 includes:

手机号分段单元，用于根据预设手机号编码规则对所述申请手机号进行分段，获取网络识别号和地区编码；The mobile phone number segmentation unit is used to segment the application mobile phone number according to the preset mobile phone number coding rules to obtain the network identification number and area code;

归属地确定单元，用于根据所述网络识别号获取对应的预设地区编码表，并根据所述预设地区编码表和所述地区编码确定所述申请手机号的申请手机号归属地。The attribution location determining unit is configured to acquire a corresponding preset area code table according to the network identification number, and determine the attribution location of the application mobile phone number applying for the mobile phone number according to the preset area code table and the area code.

进一步的，所述社交特征信息包括通话记录，所述第二关联模块30包括：Further, the social feature information includes call records, and the second association module 30 includes:

相似度判断单元，用于在所述预设号码库中获取参考手机号，并判断所述申请手机号的通话记录与所述参考手机号的通话记录的通话相似度是否大于预设通话阈值，A similarity judgment unit, configured to obtain a reference mobile phone number in the preset number database, and determine whether the call similarity between the call record of the application mobile phone number and the call record of the reference mobile phone number is greater than a preset call threshold,

手机号关联单元，用于若所述通话相似度大于预设通话阈值，则确定所述参考手机号与所述申请手机号匹配，并在所述申请手机号与所述参考手机号之间建立关联。A mobile phone number association unit, used to determine that the reference mobile phone number matches the application mobile phone number if the call similarity is greater than a preset call threshold, and establish between the application mobile phone number and the reference mobile phone number Associated.

进一步的，所述相似度判断单元，还用于根据所述申请手机号的通话记录和所述参考手机号的通话记录获取预设时间段的相同通话对象数，并根据所述相同通话对象数判断所述通话相似度是否大于预设通话阈值。Further, the similarity judgment unit is further used to obtain the number of the same call objects in the preset time period based on the call record of the application mobile phone number and the call record of the reference mobile phone number, and according to the number of the same call objects Determine whether the call similarity is greater than a preset call threshold.

进一步的，所述手机号的风险分析装置还包括：Further, the risk analysis device of the mobile phone number further includes:

建议输出模块，用于根据所述关系度与预设复核阈值的大小关系输出对应的处理建议。The suggestion output module is configured to output corresponding processing suggestions according to the relationship between the relationship degree and the preset review threshold.

进一步的，所述第一关联模块20还包括：Further, the first association module 20 further includes:

距离判断单元，用于确定所述申请手机号归属地与所述基本地址之间的真实距离，并判断所述真实距离是否小于预设距离阈值；A distance judgment unit, configured to determine the real distance between the attribution of the application mobile phone number and the basic address, and judge whether the real distance is less than a preset distance threshold;

距离关联单元，用于若所述地理位置距离小于预设距离阈值，则在所述申请手机号与所述基本地址之间建立关联。The distance association unit is used to establish an association between the application mobile phone number and the basic address if the geographic location distance is less than a preset distance threshold.

进一步的，所述预设关系度公式为：Further, the preset relationship degree formula is:

其中，f为所述申请手机号与所述关联信息之间的关系度；Where f is the degree of relationship between the application mobile phone number and the associated information;

m为所述申请手机号与所述关联信息之间的最短关联路径上的路径信息数量，所述路径信息包括所述申请手机号和所述关联信息，所述m≥2；m is the number of path information on the shortest associated path between the application mobile phone number and the association information, the path information includes the application mobile phone number and the association information, and m≥2;

k ₀为与所述关联信息的信息类型对应的预设距离系数，0＜k ₀； k ₀ is a preset distance coefficient corresponding to the information type of the associated information, 0 <k ₀ ;

x ₀为与所述关联信息的信息类型对应的预设强度系数，0＜x ₀； x ₀ is a preset intensity coefficient corresponding to the information type of the associated information, 0 <x ₀ ;

k _i为所述路径信息各自对应的关联距离系数，0＜k _i； k _i is the correlation distance coefficient corresponding to each of the path information, 0 <k _i ;

u _i为所述路径信息各自对应的衰减因子系数，0＜u _i≤1； u _i is the attenuation factor coefficient corresponding to the path information, 0 <u _i ≤1;

x _i为所述路径信息各自对应的关联强度系数，0＜x _i。 x _i is the correlation strength coefficient corresponding to each of the path information, 0 <x _i .

其中，上述手机号的风险分析装置中各个模块的功能实现与上述手机号的风险分析方法实施例中各步骤相对应，其功能和实现过程在此处不再一一赘述。Wherein, the function realization of each module in the above-mentioned mobile phone number risk analysis device corresponds to each step in the above-mentioned mobile phone number risk analysis method embodiment, and its function and implementation process will not be repeated here one by one.

此外，本申请实施例还提供一种可读存储介质，所述可读存储介质可以为非易失性可读存储介质。In addition, an embodiment of the present application further provides a readable storage medium, and the readable storage medium may be a non-volatile readable storage medium.

本申请可读存储介质上存储有计算机可读指令，其中所述计算机可读指令被处理器执行时，实现如上述的手机号的风险分析方法的步骤。Computer readable instructions are stored on the readable storage medium of the present application, wherein when the computer readable instructions are executed by the processor, the steps of the risk analysis method of the mobile phone number as described above are implemented.

其中，计算机可读指令被执行时所实现的方法可参照本申请手机号的风险分析方法的各个实施例，此处不再赘述。For the method implemented when the computer-readable instructions are executed, reference may be made to the embodiments of the risk analysis method of the mobile phone number of the present application, which will not be repeated here.

上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。The sequence numbers of the above embodiments of the present application are for description only, and do not represent the advantages and disadvantages of the embodiments.

通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。Through the description of the above embodiments, those skilled in the art can clearly understand that the methods in the above embodiments can be implemented by means of software plus a necessary general hardware platform, and of course, can also be implemented by hardware, but in many cases the former is better Implementation. Based on this understanding, the technical solution of the present application can be embodied in the form of a software product in essence or part that contributes to the existing technology, and the computer software product is stored in a storage medium (such as ROM / RAM) as described above , Magnetic disks, optical disks), including several instructions to enable a terminal device (which may be a mobile phone, computer, server, air conditioner, or network device, etc.) to perform the method described in each embodiment of the present application.

以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。The above are only the preferred embodiments of the present application, and do not limit the patent scope of the present application. Any equivalent structure or equivalent process transformation made by using the description and drawings of this application, or directly or indirectly used in other related technical fields , The same reason is included in the scope of patent protection of this application.

Claims

一种手机号的风险分析方法，其特征在于，所述手机号的风险方法包括：A mobile phone number risk analysis method, characterized in that the mobile phone number risk method includes:

在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；When receiving the credit request sent by the loan terminal, obtain the application mobile phone number and basic address of the credit applicant corresponding to the credit request;

对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；Performing attribution analysis on the application mobile phone number, obtaining the corresponding application mobile phone number attribution, and establishing an association between the application mobile phone number and the basic address according to a preset association rule and the application mobile phone number attribution;

获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；Obtain the social feature information of the application mobile phone number, and query the reference mobile phone number matching the application mobile phone number in the preset number database according to the social characteristic information, so that the application mobile phone number and the reference mobile phone number Establish an association between

根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；Calculating the relationship between the application mobile phone number and the associated information according to a preset relationship degree formula, where the associated information includes the basic address and the reference mobile phone number;

当所述关联信息属于黑名单信息时，判断所述关系度是否大于预设关系阈值；When the associated information belongs to blacklist information, determine whether the relationship degree is greater than a preset relationship threshold;

若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。If the relationship degree is greater than a preset relationship threshold, it is determined that the application mobile phone number is a risk mobile phone number.
如权利要求1所述的手机号的风险分析方法，其特征在于，所述对所述申请手机号进行归属地分析，获取对应的申请手机号归属地的步骤包括：The risk analysis method of a mobile phone number according to claim 1, wherein the step of performing attribution analysis on the application mobile phone number to obtain the corresponding attribution location of the application mobile phone number comprises:

根据预设手机号编码规则对所述申请手机号进行分段，获取网络识别号和地区编码；Segment the application mobile phone number according to the preset mobile phone number coding rules to obtain the network identification number and area code;

根据所述网络识别号获取对应的预设地区编码表，并根据所述预设地区编码表和所述地区编码确定所述申请手机号的申请手机号归属地。Obtain the corresponding preset area code table according to the network identification number, and determine the attribution place of the application mobile phone number applying for the mobile phone number according to the preset area code table and the area code.
如权利要求1所述的手机号的风险分析方法，其特征在于，所述社交特征信息包括通话记录，The risk analysis method of a mobile phone number according to claim 1, wherein the social characteristic information includes call records,

所述根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联的步骤包括：The step of querying the reference phone number matching the application phone number in the preset number database according to the social feature information to establish an association between the application phone number and the reference phone number includes:

在所述预设号码库中获取参考手机号，并判断所述申请手机号的通话记录与所述参考手机号的通话记录的通话相似度是否大于预设通话阈值；Obtaining a reference mobile phone number from the preset number database, and determining whether the call similarity between the call record of the application mobile phone number and the call record of the reference mobile phone number is greater than a preset call threshold;

若所述通话相似度大于预设通话阈值，则确定所述参考手机号与所述申请手机号匹配，并在所述申请手机号与所述参考手机号之间建立关联。If the call similarity is greater than a preset call threshold, it is determined that the reference mobile phone number matches the application mobile phone number, and an association is established between the application mobile phone number and the reference mobile phone number.
如权利要求3所述的手机号的风险分析方法，其特征在于，所述判断所述申请手机号的通话记录与所述参考手机号的通话记录的通话相似度是否大于预设通话阈值的步骤包括：The method for risk analysis of a mobile phone number according to claim 3, wherein the step of determining whether the call similarity between the call record of the application mobile phone number and the call record of the reference mobile phone number is greater than a preset call threshold include:

根据所述申请手机号的通话记录和所述参考手机号的通话记录获取预设时间段的相同通话对象数，并根据所述相同通话对象数判断所述通话相似度是否大于预设通话阈值。Obtain the number of the same call object in the preset time period according to the call record of the application mobile phone number and the call record of the reference mobile phone number, and determine whether the call similarity is greater than a preset call threshold according to the same call object number.
如权利要求1所述的手机号的风险分析方法，其特征在于，所述若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号的步骤之后，还包括：The risk analysis method for a mobile phone number according to claim 1, wherein after the step of determining that the application mobile phone number is a risk mobile phone number if the relationship degree is greater than a preset relationship threshold, the method further comprises:

根据所述关系度与预设复核阈值的大小关系输出对应的处理建议。The corresponding processing suggestions are output according to the relationship between the relationship degree and the preset review threshold.
如权利要求1所述的手机号的风险分析方法，其特征在于，所述根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联的步骤包括：The risk analysis method of a mobile phone number according to claim 1, wherein the step of establishing an association between the application mobile phone number and the basic address according to a preset association rule and the application mobile phone number attribution include:

确定所述申请手机号归属地与所述基本地址之间的真实距离，并判断所述真实距离是否小于预设距离阈值；Determine the true distance between the home address of the application mobile phone number and the basic address, and determine whether the true distance is less than a preset distance threshold;

若所述地理位置距离小于预设距离阈值，则在所述申请手机号与所述基本地址之间建立关联。If the geographic location distance is less than a preset distance threshold, an association is established between the application mobile phone number and the basic address.
如权利要求1所述的手机号的风险分析方法，其特征在于，所述预设关系度公式为：The risk analysis method of a mobile phone number according to claim 1, wherein the preset relationship degree formula is:

其中，f为所述申请手机号与所述关联信息之间的关系度；Where f is the degree of relationship between the application mobile phone number and the associated information;

m为所述申请手机号与所述关联信息之间的最短关联路径上的路径信息数量，所述路径信息包括所述申请手机号和所述关联信息，所述m≥2；m is the number of path information on the shortest associated path between the application mobile phone number and the association information, the path information includes the application mobile phone number and the association information, and m≥2;

k ₀为与所述关联信息的信息类型对应的预设距离系数，0＜k ₀； k ₀ is a preset distance coefficient corresponding to the information type of the associated information, 0 <k ₀ ;

x ₀为与所述关联信息的信息类型对应的预设强度系数，0＜x ₀； x ₀ is a preset intensity coefficient corresponding to the information type of the associated information, 0 <x ₀ ;

k _i为所述路径信息各自对应的关联距离系数，0＜k _i； k _i is the correlation distance coefficient corresponding to each of the path information, 0 <k _i ;

u _i为所述路径信息各自对应的衰减因子系数，0＜u _i≤1； u _i is the attenuation factor coefficient corresponding to the path information, 0 <u _i ≤1;

x _i为所述路径信息各自对应的关联强度系数，0＜x _i。 x _i is the correlation strength coefficient corresponding to each of the path information, 0 <x _i .
一种手机号的风险分析装置，其特征在于，所述手机号的风险分析装置包括：A mobile phone number risk analysis device, characterized in that the mobile phone number risk analysis device includes:

请求接收模块，用于在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；The request receiving module is used to obtain the application mobile phone number and basic address of the credit applicant corresponding to the credit request when the credit request sent by the loan terminal is received;

第一关联模块，用于对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；The first association module is used to analyze the attribution of the application mobile phone number, obtain the corresponding attribution location of the application mobile phone number, and according to the preset association rule and the attribution location of the application mobile phone number in the application mobile phone number and the Establish an association between basic addresses;

第二关联模块，用于获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；The second association module is used to obtain the social characteristic information of the application mobile phone number, and query the reference mobile phone number matching the application mobile phone number in the preset number database according to the social characteristic information, in order to apply for the mobile phone Establish an association between the number and the reference mobile phone number;

关系度计算模块，用于根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；A relationship degree calculation module, configured to calculate the relationship degree between the application mobile phone number and each associated information according to a preset relationship degree formula, wherein each associated information includes the basic address and the reference mobile phone number;

关系度判断模块，用于当所述关联信息属于黑名单信息时，判断所述关系度是否大于预设关系阈值；The relationship degree determination module is used to determine whether the relationship degree is greater than a preset relationship threshold when the associated information belongs to blacklist information;

手机号确定模块，用于若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。The mobile phone number determination module is configured to determine that the application mobile phone number is a risk mobile phone number if the degree of relationship is greater than a preset relationship threshold.
如权利要求8所述的手机号的风险分析装置，其特征在于，所述第一关联模块包括：The risk analysis device for a mobile phone number according to claim 8, wherein the first association module comprises:

手机号分段单元，用于根据预设手机号编码规则对所述申请手机号进行分段，获取网络识别号和地区编码；The mobile phone number segmentation unit is used to segment the application mobile phone number according to the preset mobile phone number coding rules to obtain the network identification number and area code;

归属地确定单元，用于根据所述网络识别号获取对应的预设地区编码表，并根据所述预设地区编码表和所述地区编码确定所述申请手机号的申请手机号归属地。The attribution location determining unit is configured to obtain a corresponding preset area code table according to the network identification number, and determine the attribution location of the application mobile phone number applying for the mobile phone number according to the preset area code table and the area code.
如权利要求8所述的手机号的风险分析装置，其特征在于，所述社交特征信息包括通话记录，所述第二关联模块包括：The risk analysis device for a mobile phone number according to claim 8, wherein the social characteristic information includes a call record, and the second association module includes:

相似度判断单元，用于在所述预设号码库中获取参考手机号，并判断所述申请手机号的通话记录与所述参考手机号的通话记录的通话相似度是否大于预设通话阈值，A similarity judgment unit, configured to obtain a reference mobile phone number in the preset number database, and determine whether the call similarity between the call record of the application mobile phone number and the call record of the reference mobile phone number is greater than a preset call threshold,

手机号关联单元，用于若所述通话相似度大于预设通话阈值，则确定所述参考手机号与所述申请手机号匹配，并在所述申请手机号与所述参考手机号之间建立关联。A mobile phone number association unit, used to determine that the reference mobile phone number matches the application mobile phone number if the call similarity is greater than a preset call threshold, and establish between the application mobile phone number and the reference mobile phone number Associated.
如权利要求10所述的手机号的风险分析装置，其特征在于，所述相似度判断单元，还用于根据所述申请手机号的通话记录和所述参考手机号的通话记录获取预设时间段的相同通话对象数，并根据所述相同通话对象数判断所述通话相似度是否大于预设通话阈值。The risk analysis device for a mobile phone number according to claim 10, wherein the similarity judgment unit is further used to obtain a preset time based on the call record of the application mobile phone number and the call record of the reference mobile phone number The number of the same call objects of the segment, and determine whether the call similarity is greater than a preset call threshold according to the number of the same call objects.
如权利要求8所述的手机号的风险分析装置，其特征在于，所述手机号的风险分析装置还包括：The mobile phone number risk analysis device according to claim 8, wherein the mobile phone number risk analysis device further comprises:

建议输出模块，用于根据所述关系度与预设复核阈值的大小关系输出对应的处理建议。The suggestion output module is configured to output corresponding processing suggestions according to the relationship between the relationship degree and the preset review threshold.
如权利要求8所述的手机号的风险分析装置，其特征在于，所述第一关联模块还包括：The risk analysis device for a mobile phone number according to claim 8, wherein the first association module further comprises:

距离判断单元，用于确定所述申请手机号归属地与所述基本地址之间的真实距离，并判断所述真实距离是否小于预设距离阈值；A distance judgment unit, configured to determine the real distance between the attribution of the application mobile phone number and the basic address, and judge whether the real distance is less than a preset distance threshold;

距离关联单元，用于若所述地理位置距离小于预设距离阈值，则在所述申请手机号与所述基本地址之间建立关联。The distance association unit is used to establish an association between the application mobile phone number and the basic address if the geographic location distance is less than a preset distance threshold.
如权利要求8所述的手机号的风险分析装置，其特征在于，所述预设关系度公式为：The risk analysis device for a mobile phone number according to claim 8, wherein the preset relationship degree formula is:

其中，f为所述申请手机号与所述关联信息之间的关系度；Where f is the degree of relationship between the application mobile phone number and the associated information;

m为所述申请手机号与所述关联信息之间的最短关联路径上的路径信息数量，所述路径信息包括所述申请手机号和所述关联信息，所述m≥2；m is the number of path information on the shortest associated path between the application mobile phone number and the association information, the path information includes the application mobile phone number and the association information, and m≥2;

k ₀为与所述关联信息的信息类型对应的预设距离系数，0＜k ₀； k ₀ is a preset distance coefficient corresponding to the information type of the associated information, 0 <k ₀ ;

x ₀为与所述关联信息的信息类型对应的预设强度系数，0＜x ₀； x ₀ is a preset intensity coefficient corresponding to the information type of the associated information, 0 <x ₀ ;

k _i为所述路径信息各自对应的关联距离系数，0＜k _i； k _i is the correlation distance coefficient corresponding to each of the path information, 0 <k _i ;

u _i为所述路径信息各自对应的衰减因子系数，0＜u _i≤1； u _i is the attenuation factor coefficient corresponding to the path information, 0 <u _i ≤1;

x _i为所述路径信息各自对应的关联强度系数，0＜x _i。 x _i is the correlation strength coefficient corresponding to each of the path information, 0 <x _i .
一种手机号的风险分析设备，其特征在于，所述手机号的风险分析设备包括处理器、存储器、以及存储在所述存储器上并可被所述处理器执行的计算机可读指令，其中所述计算机可读指令被所述处理器执行时，实现如下步骤：A mobile phone number risk analysis device, characterized in that the mobile phone number risk analysis device includes a processor, a memory, and computer readable instructions stored on the memory and executable by the processor, wherein When the computer-readable instructions are executed by the processor, the following steps are implemented:

在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；When receiving the credit request sent by the loan terminal, obtain the application mobile phone number and basic address of the credit applicant corresponding to the credit request;

对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；Performing attribution analysis on the application mobile phone number, obtaining the corresponding application mobile phone number attribution, and establishing an association between the application mobile phone number and the basic address according to a preset association rule and the application mobile phone number attribution;

获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；Obtain the social feature information of the application mobile phone number, and query the reference mobile phone number matching the application mobile phone number in the preset number database according to the social characteristic information, so that the application mobile phone number and the reference mobile phone number Establish an association between

根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；Calculating the relationship between the application mobile phone number and the associated information according to a preset relationship degree formula, where the associated information includes the basic address and the reference mobile phone number;

当所述关联信息属于黑名单信息时，判断所述关系度是否大于预设关系阈值；When the associated information belongs to blacklist information, determine whether the relationship degree is greater than a preset relationship threshold;

若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。If the relationship degree is greater than a preset relationship threshold, it is determined that the application mobile phone number is a risk mobile phone number.
如权利要求15所述的手机号的风险分析设备，其特征在于，所述对所述申请手机号进行归属地分析，获取对应的申请手机号归属地的步骤包括：The risk analysis device for a mobile phone number according to claim 15, wherein the step of performing attribution analysis on the application mobile phone number and obtaining a corresponding application mobile phone number attribution step includes:

根据预设手机号编码规则对所述申请手机号进行分段，获取网络识别号和地区编码；Segment the application mobile phone number according to the preset mobile phone number coding rules to obtain the network identification number and area code;

根据所述网络识别号获取对应的预设地区编码表，并根据所述预设地区编码表和所述地区编码确定所述申请手机号的申请手机号归属地。Obtain the corresponding preset area code table according to the network identification number, and determine the attribution place of the application mobile phone number applying for the mobile phone number according to the preset area code table and the area code.
如权利要求15所述的手机号的风险分析设备，其特征在于，所述社交特征信息包括通话记录，The risk analysis device for a mobile phone number according to claim 15, wherein the social characteristic information includes call records,

所述根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联的步骤包括：The step of querying the reference phone number matching the application phone number in the preset number database according to the social feature information to establish an association between the application phone number and the reference phone number includes:

在所述预设号码库中获取参考手机号，并判断所述申请手机号的通话记录与所述参考手机号的通话记录的通话相似度是否大于预设通话阈值；Obtaining a reference mobile phone number from the preset number database, and determining whether the call similarity between the call record of the application mobile phone number and the call record of the reference mobile phone number is greater than a preset call threshold;

若所述通话相似度大于预设通话阈值，则确定所述参考手机号与所述申请手机号匹配，并在所述申请手机号与所述参考手机号之间建立关联。If the call similarity is greater than a preset call threshold, it is determined that the reference mobile phone number matches the application mobile phone number, and an association is established between the application mobile phone number and the reference mobile phone number.
一种可读存储介质，其特征在于，所述可读存储介质上存储有计算机可读指令，其中所述计算机可读指令被处理器执行时，实现如下步骤：A readable storage medium is characterized in that computer readable instructions are stored on the readable storage medium, wherein when the computer readable instructions are executed by a processor, the following steps are implemented:

在接收到贷款终端发送的信贷请求时，获取所述信贷请求对应信贷申请者的申请手机号和基本地址；When receiving the credit request sent by the loan terminal, obtain the application mobile phone number and basic address of the credit applicant corresponding to the credit request;

对所述申请手机号进行归属地分析，获取对应的申请手机号归属地，并根据预设关联规则和所述申请手机号归属地在所述申请手机号与所述基本地址之间建立关联；Performing attribution analysis on the application mobile phone number, obtaining the corresponding application mobile phone number attribution, and establishing an association between the application mobile phone number and the basic address according to a preset association rule and the application mobile phone number attribution;

获取所述申请手机号的社交特征信息，并根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联；Obtain the social feature information of the application mobile phone number, and query the reference mobile phone number matching the application mobile phone number in the preset number database according to the social characteristic information, so that the application mobile phone number and the reference mobile phone number Establish an association between

根据预设关系度公式计算所述申请手机号与各关联信息之间的关系度，其中所述各关联信息包括所述基本地址和所述参考手机号；Calculating the relationship between the application mobile phone number and the associated information according to a preset relationship degree formula, where the associated information includes the basic address and the reference mobile phone number;

当所述关联信息属于黑名单信息时，判断所述关系度是否大于预设关系阈值；When the associated information belongs to blacklist information, determine whether the relationship degree is greater than a preset relationship threshold;

若所述关系度大于预设关系阈值，则确定所述申请手机号为风险手机号。If the relationship degree is greater than a preset relationship threshold, it is determined that the application mobile phone number is a risk mobile phone number.
如权利要求18所述的可读存储介质，其特征在于，所述对所述申请手机号进行归属地分析，获取对应的申请手机号归属地的步骤包括：The readable storage medium according to claim 18, wherein the step of performing attribution analysis on the application mobile phone number to obtain a corresponding application mobile phone number attribution step includes:

根据预设手机号编码规则对所述申请手机号进行分段，获取网络识别号和地区编码；Segment the application mobile phone number according to the preset mobile phone number coding rules to obtain the network identification number and area code;

根据所述网络识别号获取对应的预设地区编码表，并根据所述预设地区编码表和所述地区编码确定所述申请手机号的申请手机号归属地。Obtain the corresponding preset area code table according to the network identification number, and determine the attribution place of the application mobile phone number applying for the mobile phone number according to the preset area code table and the area code.
如权利要求18所述的可读存储介质，其特征在于，所述社交特征信息包括通话记录，The readable storage medium of claim 18, wherein the social characteristic information includes call records,

所述根据所述社交特征信息在预设号码库中查询与所述申请手机号匹配的参考手机号，以在所述申请手机号与所述参考手机号之间建立关联的步骤包括：The step of querying the reference phone number matching the application phone number in the preset number database according to the social feature information to establish an association between the application phone number and the reference phone number includes:

在所述预设号码库中获取参考手机号，并判断所述申请手机号的通话记录与所述参考手机号的通话记录的通话相似度是否大于预设通话阈值；Obtaining a reference mobile phone number from the preset number database, and determining whether the call similarity between the call record of the application mobile phone number and the call record of the reference mobile phone number is greater than a preset call threshold;

若所述通话相似度大于预设通话阈值，则确定所述参考手机号与所述申请手机号匹配，并在所述申请手机号与所述参考手机号之间建立关联。If the call similarity is greater than a preset call threshold, it is determined that the reference mobile phone number matches the application mobile phone number, and an association is established between the application mobile phone number and the reference mobile phone number.