Internet financial blacklist system based on big data and application method thereof

A blacklist and Internet technology, applied in the field of Internet financial blacklist system, can solve the problem that the Internet financial blacklist system cannot respond to service requests quickly, and achieve the effect of improving the overall efficiency and accuracy, and reducing the bad debt rate.

Inactive Publication Date: 2019-01-08
杭州排列科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In order to overcome the deficiencies of the prior art, the purpose of the present invention is to provide a big data-based Internet financial blacklist system and its application method, aiming to solve the problem that the existing Internet financial blacklist system cannot quickly respond to service requests

Method used

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  • Internet financial blacklist system based on big data and application method thereof
  • Internet financial blacklist system based on big data and application method thereof

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specific Embodiment 1

[0049] Such as figure 1 As shown, the embodiment of the present invention provides a big data-based Internet financial blacklist system, including an offline data index module, an online data query module and a search server, wherein: the offline data index module includes sequentially connected data crawling units, The data integration unit and the data index unit; the online data query module includes a service server; the data index unit and the service server are respectively connected to the search server. The data crawling unit crawls the user blacklist data; the data integration unit obtains the user blacklist data, cleans and processes the data, and sends the processed data to the data index unit; the data index unit sends the data according to the data integration unit in the Create or update the data index on the search server; after receiving the service request, the business server queries the processed and indexed user blacklist data on the search server, makes an...

specific Embodiment 2

[0064] like figure 2 As shown, the embodiment of the present invention provides an application method of a big data-based Internet financial blacklist system, including:

[0065] Offline data indexing step S101, the data crawling unit crawls user blacklist data; the data integration unit acquires user blacklist data, cleans and processes the data, and sends the processed data to the data index unit; the data index unit The data sent by the integration unit establishes or updates the data index on the search server;

[0066] In the online data query step S102, after receiving the service request, the service server queries the processed and indexed user blacklist data on the search server, makes an evaluation based on the query result, and returns the evaluation result to the user.

[0067] The embodiment of the present invention uses the offline data indexing module to process a large amount of Internet financial blacklist data offline, extracts features and performs efficie...

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Abstract

The invention discloses an Internet financial blacklist system based on big data and an application method thereof. A massive amount of Internet financial blacklist data is processed offline by an offline data indexing module, and features are extracted and indexed efficiently. When the service request is received, the related blacklist data of the user to be granted credit is queried in real timeby the online data query module. The online data query module directly utilizes the results generated by the offline service to evaluate and calculate the service data in real time and give a quick response. Data crawling and indexing can be resource intensive, and it takes a long time to clean the data. The invention can directly inquire the processed and indexed data for the service request, quickly make the evaluation, and return the result to the customer, thus greatly reducing the bad debt rate, and improving the overall efficiency and accuracy of the financial risk control.

Description

technical field [0001] The invention relates to the technical fields of big data, data analysis and data mining, and in particular to an Internet financial blacklist system based on big data and an application method thereof. Background technique [0002] In the Internet age, using big data technology, data analysis and data mining and other technologies can collect user data more effectively and cheaply, so as to evaluate the credit level of individuals or enterprises more accurately and improve the efficiency of risk management. There are many sources of blacklist data, often with completely different data formats, and the update frequency is also inconsistent; the data volume of the blacklist is very large, and the data structure is complicated; due to the loose nature of the blacklist data, the blacklist system generally also has a structure In a loose system, different data sources are too different, the degree of correlation is not high, and seamless integration is rel...

Claims

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Application Information

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IPC IPC(8): G06F16/953G06Q40/02
CPCG06Q40/03
Inventor 骆海燕
Owner 杭州排列科技有限公司
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