Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Risk assessment method and device, storage medium and computer equipment

A technology of risk assessment and storage media, applied in the field of data processing, can solve problems such as low efficiency and slow review cycle, and achieve the effect of improving assessment efficiency and reducing business loss

Pending Publication Date: 2019-05-03
ONE CONNECT SMART TECH CO LTD SHENZHEN
View PDF0 Cites 4 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, in the loan business review process of credit companies, the applicant's identity information, residence information, work information, property information, credit information, etc. are usually reviewed according to the loan business application standards. The review cycle is slow and inefficient. How to improve audit efficiency on the premise of ensuring audit accuracy has become a key issue facing credit companies

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Risk assessment method and device, storage medium and computer equipment
  • Risk assessment method and device, storage medium and computer equipment
  • Risk assessment method and device, storage medium and computer equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0024] Hereinafter, the present application will be described in detail with reference to the drawings and embodiments. It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined with each other.

[0025] In this embodiment, a risk assessment method is provided, such as figure 1 As shown, the method includes:

[0026] Step 101, receiving the risk assessment request sent by the requesting party, the risk assessment request includes the identity of the person to be assessed and the application business code.

[0027] The server receives the risk assessment request from the requesting party, where the requesting party can be a credit company server. After the credit company conducts a preliminary risk assessment on the customer, it generates a risk based on the identity of the customer to be assessed and the business code of the business applied by the customer. The evaluation request is se...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention discloses a risk assessment method and device, a storage medium and computer equipment, and the method comprises the steps: receiving a risk assessment request sent by a requester, the risk assessment request comprising an identity identifier of a person to be assessed and an application service code; if the blacklist information of the person to be assessed is found from the sharedblacklist database according to the identity identifier of the person to be assessed, determining application conditions corresponding to the application service codes according to the application service codes, the shared blacklist database comprising blacklist information provided by a plurality of requesters; if it is judged that the person to be evaluated meets the application condition according to the blacklist information, evaluation passing information is sent to the requester; and if it is judged that the person to be evaluated does not meet the application condition according to theblacklist information, evaluation rejection information is sent to the requester. According to the method, the multi-party shared blacklist database is used for risk assessment of the person to be assessed, the service application assessment efficiency is improved, and the service bad account risk is reduced.

Description

technical field [0001] The present application relates to the technical field of data processing, in particular to a risk assessment method and device, storage medium, and computer equipment. Background technique [0002] As a resource-rich and flexible means of financing, borrowing has greatly alleviated the contradiction of insufficient funds and promoted economic development in today's continuous development of the market economy. In the process of lending, risk control is the key factor for the healthy development of lending. [0003] At present, in the loan business review process of credit companies, the applicant's identity information, residence information, work information, property information, credit information, etc. are usually reviewed according to the loan business application standards. The review cycle is slow and inefficient. How to improve audit efficiency on the premise of ensuring audit accuracy has become a key issue for credit companies. Contents o...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q40/02
Inventor 王俊涛
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com