Loan fraud mode identification method and device

A pattern recognition and loan technology, applied in the field of big data processing

Pending Publication Date: 2022-04-12
深圳微众信用科技股份有限公司
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  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, fraudulent behaviors are common around us, and frauds in the financial industry are endless. With the continuous development of Internet finance, many financial behaviors have been carried out online, and financial loans are also one of them. More fraudulent behaviors are generated. Therefore, while ensuring the ultimate user experience for online users to quickly obtain financial loans, the prevention and control of fraud risks has become a top priority, and the existing methods for identifying fraudulent behaviors have not The specific application of loan behavior, the fraud detection of loan behavior is a technical problem that needs to be solved urgently

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  • Loan fraud mode identification method and device
  • Loan fraud mode identification method and device

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Embodiment Construction

[0024] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiment of the application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiment of the application. Obviously, the described embodiment is only It is a part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of this application.

[0025] The terms "first", "second" and the like in the specification and claims of the present application and the above drawings are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "include" and "have", as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method...

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Abstract

The embodiment of the invention provides a loan fraud mode recognition method and device, and the method comprises the steps: obtaining application information of user equipment, enabling a target object to apply for obtaining loan guarantee through the application information, carrying out the loan guarantee verification of the target object, and carrying out the recognition of a loan fraud mode when the target object is determined to be a potential risk object according to the loan guarantee verification. The risk-related information of the target object is obtained, the risk-related information is input into the fraud evaluation model, the fraud type of the risk-related information is obtained, the fraud identity of the target object is determined according to the fraud type, and the fraud identity comprises a non-fraud user, a suspected fraud user and a fraud user. By the adoption of the method, the reliability of fraud recognition is improved through double fraud recognition, so that fraud behaviors can be prevented in the loan application stage, losses caused by the fraud behaviors are reduced, and the economic order of the market is further maintained.

Description

technical field [0001] The application belongs to the technical field of big data processing, and specifically relates to a loan fraud pattern recognition method and device. Background technique [0002] At present, fraudulent behaviors are common around us, and frauds in the financial industry are endless. With the continuous development of Internet finance, many financial behaviors have been carried out online, and financial loans are also one of them. More fraudulent behaviors are generated. Therefore, while ensuring the ultimate user experience for online users to quickly obtain financial loans, the prevention and control of fraud risks has become a top priority, and the existing methods for identifying fraudulent behaviors have not The specific application of loan behavior and the fraud detection of loan behavior is a technical problem that needs to be solved urgently. Contents of the invention [0003] The embodiment of the present application provides a method and ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q30/00
Inventor 许卫欧阳张鹏赵彦晖耿心伟曾源
Owner 深圳微众信用科技股份有限公司
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