1. A method for risk control of credit, comprising:

receiving a login or registration request containing user information sent by a user side, analyzing the user information, and completing the login of the user side or guiding the user side to complete the registration operation;

after the user side logs in, data verification is carried out on the user identity information, and the user side is controlled to jump to a corresponding interface according to a data verification result;

performing data interaction with the Internet, performing data capture on the credit information of the user, and performing pre-credit evaluation on the credit of the user through the captured data;

judging and analyzing the assessment information before the user loan, intelligently calculating the loan limit of the user, generating limit data through data conversion processing, and simultaneously feeding back the limit data to the user side;

receiving a loan application submitted by a user side, and uploading the loan application to a loan processing platform after data analysis and user identity verification are performed;

feeding back the loan application processing result of the loan processing platform to the user side to complete the loan application process;

and when the specified repayment date is reached, sending repayment prompt information to the user side, intelligently judging whether the user repays, evaluating credit of the user after loan, and updating data of corresponding loan information of the user.

2. The method as claimed in claim 1, wherein the receiving a login or registration request including user information from the user end, analyzing the user information, and completing the login or directing the user end to complete the login comprises:

receiving user information which is input by a user side and contains a user account and a user password, and judging whether a user is registered or not according to the user information;

if so, and the user information is correct, executing a user login instruction; if not, prompting that the user is not registered, and guiding the user to execute a user login instruction after the user is registered.

3. The method as claimed in claim 1, wherein the step of performing data verification on the user identification information and controlling the user side to jump to the corresponding interface according to the data verification result comprises:

verifying the integrity of user identity information, wherein the user identity information comprises a user name, an identity card number and a user work history;

if the user identity information is incomplete, prompting the user to complete the identity information, and controlling the user side to jump to a user identity information supplement interface; after the user identity information is completely supplemented, uploading the user identity information to a cloud database, and generating storage data for storage through data conversion processing;

and if the user identity information is complete, skipping to the loan interface.

4. The method as claimed in claim 1, wherein the pre-loan assessment of the credit of the user based on the captured data comprises:

the method comprises the steps that data interaction is carried out through the internet, and credit information of corresponding users is captured on a data sharing platform of each bank;

according to the captured user credit information, the user credit degree is evaluated by combining the set first threshold value and the second threshold value; if the credit information of the user is larger than a first threshold value, the evaluation result is high credit degree and marked as A; if the user credit information is between the first threshold value and the second threshold value, the evaluation result is the middle credit degree which is marked as B; if the user credit information is less than the second threshold, the evaluation result is low credit, and the label is C.

5. The method as claimed in claim 1 or 4, wherein the step of performing the judgment analysis on the pre-loan assessment information of the user comprises:

judging whether the user is the lowest credit rating or not according to the assessment information before the user is credited, and if so, prompting that the user cannot credit due to too low credit rating;

and if the credit degree is not the lowest level, capturing the debit and credit record, the consumption times and each consumption proportion of the user through the Internet, and evaluating the economic condition, the consumption capacity and the repayment capacity of the user according to the collected information.

6. The method as claimed in claim 1, wherein the receiving the loan application submitted by the client, performing data analysis and user identity verification, and uploading the loan application to the loan processing platform comprises:

receiving a loan application submitted by a user side, and judging whether information in the loan application is completely filled;

if the user loan reason and the loan amount are complete, analyzing the user loan reason and the loan amount, and providing an optimized loan scheme for the user according to the user loan reason; if the loan application is not complete, reminding the user to perfect the information in the loan application;

after the information in the loan application is completely filled, sending confirmation information whether the loan is needed to a user side, and judging and analyzing the identity of the user; if the information for determining the loan fed back by the user side is received, collecting the face information and the fingerprint information of the user, comparing the face information and the fingerprint information with the face information and the fingerprint information of the user stored in the database, uploading a loan application if the comparison result is consistent, and judging the position if the comparison result is inconsistent, and sending the position and warning information to a social account number related to the user; and if the information which is fed back by the user side and does not need to be loaned is received, stopping uploading the loan application.

7. The method as claimed in claim 1, wherein the step of evaluating credit of the user after loan and updating data of corresponding loan information of the user comprises:

judging whether the user pays on a specified date, if so, marking as a, and if not, marking as b;

when the mark is a, calculating that the user does not return the loan, updating the loan information of the user, collecting loan records, consumption records and consumption proportions after the user loans, re-evaluating the credit degree of the user, and sending an evaluation result to a cloud database for storage;

when the mark is b, updating the loan information of the user, and marking n times of non-repayment, wherein n is a natural number and is increased in sequence; and when n is larger than 3, collecting the loan records, the consumption records and the consumption proportion after the user is loaned, re-evaluating the user credit, and sending the evaluation result to the cloud database for storage.

8. A credit risk control system, comprising:

the user login registration module is used for receiving a login or registration request containing user information sent by a user side, analyzing the user information, and completing the login of the user side or guiding the user side to complete the registration operation;

the user information perfecting module is used for carrying out data verification on the user identity information after the user side logs in, and controlling the user side to jump to a corresponding interface according to a data verification result;

the system comprises a user credit pre-credit evaluation module, a pre-credit evaluation module and a pre-credit evaluation module, wherein the user credit pre-credit evaluation module is used for performing data interaction with the Internet, performing data capture on user credit information and performing pre-credit evaluation on the user credit through the captured data;

the loan amount calculation module is used for judging and analyzing the assessment information before the user loan, intelligently calculating the loan amount of the user, generating quota data through data conversion processing and simultaneously feeding back the quota data to the user side;

the loan application submitting module receives a loan application submitted by the user side, and uploads the loan application to the loan processing platform after data analysis;

the loan application result feedback module feeds back the loan application processing result of the loan processing platform to the user side to complete the loan application process;

and the loan information synchronization module is used for sending repayment prompt information to the user side when the specified repayment date is reached, intelligently judging whether the user repays, evaluating credit of the user after loan and updating data of corresponding loan information of the user.

9. A processing device, comprising: one or more processors; a memory for storing one or more programs;

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-7.

10. A readable storage medium, storing a computer program, characterized in that the computer program, when executed by a processor, implements the method according to any of claims 1 to 7.

Background

The loan is a credit activity form of lending the money and capital according to the conditions of a certain interest rate and having to be returned, etc., the general loan refers to the general term of lending capital such as loan, cash, overdraft, etc., the bank puts in the centralized money and money capital through the way of loan, can meet the demand of the society for expanding the reproduction to supplement capital, promote the development of economy, meanwhile, the bank can also obtain the interest income of loan from this, increase the accumulation of the bank oneself, in China, still apply the paid use principle of loan, promote the enterprise to improve the management, and regard the bank credit as the important way of allocating capital, also as the important economic lever of regulating and managing economy, nowadays, with the improvement of people's living standard, the loan form is more and more the coming months, the loan risk is revealed gradually; therefore, it becomes important to develop a method and system for risk control of credit loan;

through retrieval, the Chinese patent number CN109190917A discloses a risk control method and a system for credit loan, which can avoid the occurrence of events such as overdue loan and bad account, but can not judge whether a user borrows or not for the user, thus easily causing other people to use user certificates to apply for loan and endangering the property of other people; in addition, the conventional risk control method and system for credit loan cannot guarantee that the user can pay on time, and events such as overdue loan and bad account are easy to occur.

Disclosure of Invention

The invention aims to provide a risk control method, a system, equipment and a storage medium for credit loan, which can effectively avoid the event that others falsify user certificates to apply for loan, thereby protecting the property safety of users; and prompt the user to pay in time, so as to avoid the credit loss of the user.

The purpose of the invention is realized by the following technical scheme:

a method for risk control of credit, comprising:

receiving a login or registration request containing user information sent by a user side, analyzing the user information, and completing the login of the user side or guiding the user side to complete the registration operation;

after the user side logs in, data verification is carried out on the user identity information, and the user side is controlled to jump to a corresponding interface according to a data verification result;

performing data interaction with the Internet, performing data capture on the credit information of the user, and performing pre-credit evaluation on the credit of the user through the captured data;

judging and analyzing the assessment information before the user loan, intelligently calculating the loan limit of the user, generating limit data through data conversion processing, and simultaneously feeding back the limit data to the user side;

receiving a loan application submitted by a user side, and uploading the loan application to a loan processing platform after data analysis and user identity verification are performed;

feeding back the loan application processing result of the loan processing platform to the user side to complete the loan application process;

and when the specified repayment date is reached, sending repayment prompt information to the user side, intelligently judging whether the user repays, evaluating credit of the user after loan, and updating data of corresponding loan information of the user.

A credit risk control system, the system comprising:

the user login registration module is used for receiving a login or registration request containing user information sent by a user side, analyzing the user information, and completing the login of the user side or guiding the user side to complete the registration operation;

the user information perfecting module is used for carrying out data verification on the user identity information after the user side logs in, and controlling the user side to jump to a corresponding interface according to a data verification result;

the system comprises a user credit pre-credit evaluation module, a pre-credit evaluation module and a pre-credit evaluation module, wherein the user credit pre-credit evaluation module is used for performing data interaction with the Internet, performing data capture on user credit information and performing pre-credit evaluation on the user credit through the captured data;

the loan amount calculation module is used for judging and analyzing the assessment information before the user loan, intelligently calculating the loan amount of the user, generating quota data through data conversion processing and simultaneously feeding back the quota data to the user side;

the loan application submitting module receives a loan application submitted by the user side, and uploads the loan application to the loan processing platform after data analysis;

the loan application result feedback module feeds back the loan application processing result of the loan processing platform to the user side to complete the loan application process;

and the loan information synchronization module is used for sending repayment prompt information to the user side when the specified repayment date is reached, intelligently judging whether the user repays, evaluating credit of the user after loan and updating data of corresponding loan information of the user.

A processing device, comprising: one or more processors; a memory for storing one or more programs;

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the aforementioned methods.

A readable storage medium, storing a computer program, characterized in that the computer program realizes the aforementioned method when executed by a processor.

According to the technical scheme provided by the invention, the identity secondary verification can be carried out when the user loan application is analyzed, the user loan is ensured, the user is prevented from using the user certificate to carry out loan, the property safety of the user is protected, and the safety of the invention is improved; the user is prompted to pay in time after successful loan, so that the condition that the user forgets to pay is effectively reduced, and various losses caused by the reduction of the credit of the user can be avoided.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on the drawings without creative efforts.

FIG. 1 is a flow chart of a method for risk control of credit offered by an embodiment of the present invention;

fig. 2 is a schematic diagram of a risk control system for credit according to an embodiment of the present invention.

Fig. 3 is a schematic diagram of a processing apparatus according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention are clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.

The terms that may be used herein are first described as follows:

the terms "comprising," "including," "containing," "having," or other similar terms of meaning should be construed as non-exclusive inclusions. For example: including a feature (e.g., material, component, ingredient, carrier, formulation, material, dimension, part, component, mechanism, device, process, procedure, method, reaction condition, processing condition, parameter, algorithm, signal, data, product, or article of manufacture), is to be construed as including not only the particular feature explicitly listed but also other features not explicitly listed as such which are known in the art.

The following describes a method for controlling the risk of credit provided by the present invention in detail. Details which are not described in detail in the embodiments of the invention belong to the prior art which is known to the person skilled in the art. Those not specifically mentioned in the examples of the present invention were carried out according to the conventional conditions in the art or conditions suggested by the manufacturer.

As shown in fig. 1, a method for controlling the risk of credit loan comprises the following steps:

step 1, receiving a login or registration request containing user information sent by a user side, analyzing the user information, and completing the login of the user side or guiding the user side to complete the registration operation.

Preferred embodiments of this step include:

1) and receiving user information which is input by the user side and contains a user account and a user password, and judging whether the user is registered according to the user information.

2) If the user information is correct, executing a user login instruction.

3) If not, prompting the user that the user is not registered, and guiding the user to execute a user login instruction after the user is registered (for example, prompting the user to 'new user, please register account number', and the user starts to register the account number).

For example, the user side mainly refers to a device on the user side, for example, a device such as a smart terminal or a PC.

And 2, after the user side logs in, performing data verification on the user identity information, and controlling the user side to jump to a corresponding interface according to a data verification result.

Preferred embodiments of this step include:

1) and checking the integrity of the user identity information, wherein the user identity information comprises a user name, an identity card number and a user work history.

2) If the user identity information is incomplete, prompting the user to complete the identity information, and controlling the user side to jump to a user identity information supplement interface; after the user identity information is completely supplemented, the user identity information is uploaded to a cloud database, and storage data is generated through data conversion processing and stored.

3) And if the user identity information is complete, skipping to the loan interface.

And 3, performing data interaction with the Internet, performing data capture on the user credit information, and performing pre-credit evaluation on the user credit through the captured data.

Preferred embodiments of this step include:

1) the method comprises the steps that data interaction is carried out through the internet, and credit information of corresponding users is captured on a data sharing platform of each bank;

2) according to the captured user credit information, the user credit degree is evaluated by combining the set first threshold value and the second threshold value; if the credit information of the user is larger than a first threshold value, the evaluation result is high credit degree and marked as A; if the user credit information is between the first threshold value and the second threshold value, the evaluation result is the middle credit degree which is marked as B; if the user credit information is less than the second threshold, the evaluation result is low credit, and the label is C.

And 4, judging and analyzing the assessment information before the user loan, intelligently calculating the loan limit of the user, generating limit data through data conversion processing, and feeding back the limit data to the user side.

In the embodiment of the present invention, the determining and analyzing the user pre-loan evaluation information includes:

1) it is determined from the user pre-credit rating information whether the user is at a lowest level of credit (i.e., the low credit noted as C in step 3 above).

2) If yes, the user is prompted that the credit level is too low to loan.

That is, if the credit rating is low (marked as C), the loan cannot be made.

3) If the credit rating is not the lowest level (namely, the high and medium credit rating marked as A, B in the step 3), the user loan record, the consumption times and the consumption proportion are captured through the internet, and the economic condition, the consumption capability and the repayment capability of the user are evaluated according to the collected information; and calculating the loan amount of the user according to the evaluation result.

And 5, receiving the loan application submitted by the user side, and uploading the loan application to a loan processing platform after data analysis and user identity verification are performed.

The preferred embodiment of this step is as follows:

1) and receiving a loan application submitted by the user side, and judging whether the information in the loan application is completely filled.

2) And if the user loan reason is complete, analyzing the user loan reason and the loan amount, and providing an optimized loan scheme for the user according to the user loan reason.

3) If not, the user is prompted to refine the information in the loan application.

4) And after the information in the loan application is completely filled, sending confirmation information whether the loan is needed to the user side, and judging and analyzing the identity of the user.

4.1) if the information for determining the loan fed back by the user side is received, collecting the face information and the fingerprint information of the user, comparing the face information and the fingerprint information with the face information and the fingerprint information of the user stored in the database, if the comparison result is consistent, uploading the loan application, if the comparison result is inconsistent, judging the position, and sending the position and the warning information to the user-related social account.

4.2) if the information which is fed back by the user side and does not need the loan is received, stopping uploading the loan application.

And 6, feeding back the loan application processing result of the loan processing platform to the user side to complete the loan application process.

And 7, when the specified repayment date is reached, sending repayment prompt information to the user side, intelligently judging whether the user repays, evaluating credit of the user after loan, and updating data of corresponding loan information of the user.

In the embodiment of the present invention, the evaluating the credit rating of the user after the credit rating is performed, and the updating the data of the corresponding loan information of the user includes:

judging whether the user pays on a specified date, if so, marking as a, and if not, marking as b;

when the mark is a, calculating that the user does not return the loan, updating the loan information of the user, collecting loan records, consumption records and consumption proportions after the user loans, re-evaluating the credit degree of the user, and sending an evaluation result to a cloud database for storage;

when the mark is b, updating the loan information of the user, and marking n times of non-repayment, wherein n is a natural number and is increased in sequence; and when n is larger than 3, collecting the loan records, the consumption records and the consumption proportion after the user is loaned, re-evaluating the user credit, and sending the evaluation result to the cloud database for storage.

Compared with the prior art, the invention has the beneficial effects that:

1. the user fills in a loan application through the equipment, the loan application is uploaded to the loan platform, the loan platform starts to detect whether the loan application information of the user is complete or not, secondary confirmation is carried out on the user, the face information and the fingerprint information of the user are collected, the collected face information and the fingerprint information are compared with the corresponding face information and the fingerprint information stored in the database, secondary verification can be carried out on the identity of the user, the user loan is guaranteed, other people are prevented from using user certificates to loan, the property safety of the user is protected, and the safety of the invention is improved.

2. Whether the user repays can be intelligently judged, the loan information of the user is updated, the user information is evaluated again, the evaluation result is uploaded to a cloud database to be stored, if the user does not repay for many times, the position of the user is located, the user information starts to be fed back to relevant departments, the condition that the user loan is not still is effectively reduced, and the occurrence of events such as overdue loan, bad account and the like is avoided.

Another embodiment of the present invention further provides a system for controlling risk of credit loan, which is mainly used for implementing the method provided in the foregoing embodiment, as shown in fig. 2, the system mainly includes:

the user login registration module is used for receiving a login or registration request containing user information sent by a user side, analyzing the user information, and completing the login of the user side or guiding the user side to complete the registration operation;

the user information perfecting module is used for carrying out data verification on the user identity information after the user side logs in, and controlling the user side to jump to a corresponding interface according to a data verification result;

the system comprises a user credit pre-credit evaluation module, a pre-credit evaluation module and a pre-credit evaluation module, wherein the user credit pre-credit evaluation module is used for performing data interaction with the Internet, performing data capture on user credit information and performing pre-credit evaluation on the user credit through the captured data;

the loan amount calculation module is used for judging and analyzing the assessment information before the user loan, intelligently calculating the loan amount of the user, generating quota data through data conversion processing and simultaneously feeding back the quota data to the user side;

the loan application submitting module receives a loan application submitted by the user side, and uploads the loan application to the loan processing platform after data analysis;

the loan application result feedback module feeds back the loan application processing result of the loan processing platform to the user side to complete the loan application process;

and the loan information synchronization module is used for sending repayment prompt information to the user side when the specified repayment date is reached, intelligently judging whether the user repays, evaluating credit of the user after loan and updating data of corresponding loan information of the user.

Another embodiment of the present invention further provides a processing apparatus, as shown in fig. 3, which mainly includes: one or more processors; a memory for storing one or more programs; wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the methods provided by the foregoing embodiments.

Further, the processing device further comprises at least one input device and at least one output device; in the processing device, a processor, a memory, an input device and an output device are connected through a bus.

In the embodiment of the present invention, the specific types of the memory, the input device, and the output device are not limited; for example:

the input device can be a touch screen, an image acquisition device, a physical button or a mouse and the like;

the output device may be a display terminal;

the Memory may be a Random Access Memory (RAM) or a non-volatile Memory (non-volatile Memory), such as a disk Memory.

Another embodiment of the present invention further provides a readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the computer program implements the method provided by the foregoing embodiment.

The readable storage medium in the embodiment of the present invention may be provided in the foregoing processing device as a computer readable storage medium, for example, as a memory in the processing device. The readable storage medium may be various media that can store program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, or an optical disk.

The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.