CN112200655B - Application review method, device, electronic device and storage medium - Google Patents
Application review method, device, electronic device and storage medium Download PDFInfo
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- CN112200655B CN112200655B CN202010981159.1A CN202010981159A CN112200655B CN 112200655 B CN112200655 B CN 112200655B CN 202010981159 A CN202010981159 A CN 202010981159A CN 112200655 B CN112200655 B CN 112200655B
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Abstract
The embodiment of the invention discloses a method and a device for application auditing, electronic equipment and a storage medium. The method comprises the steps of determining personal auditing results of the applicant according to application information submitted by the applicant and applicant data in a knowledge graph, determining other members of a community to which the applicant belongs according to the knowledge graph, determining a community application state according to application information submitted by the other members, and determining the application results of the applicant according to the personal auditing results of the applicant and the community application state. By operating the technical scheme provided by the embodiment of the invention, the problem that the auditing is only carried out on the information of the single person of the applicant and the group fraud related to the single person application is difficult to find is solved, so that the accuracy of the application auditing is reduced, and the effects of improving the efficiency and accuracy of the application auditing are realized.
Description
Technical Field
The embodiment of the invention relates to a computer technology, in particular to a method and a device for application auditing, electronic equipment and a storage medium.
Background
With the development of economy, more and more people consume the credit card, so that the auditing of the credit card application is particularly important.
The current process of checking the credit card application is to receive the basic information filled by the applicant and then to check the information in different systems by manpower to judge whether the information of the applicant meets the application standard.
However, the information of the individual to be checked needs to enter a plurality of systems to check the information, so that the efficiency of application checking is reduced, and the current checking only aims at the information of the individual of the applicant, so that the group fraud related to the individual application is difficult to find, and the accuracy of application checking is reduced.
Disclosure of Invention
The embodiment of the invention provides a method, a device, electronic equipment and a storage medium for application auditing so as to achieve the effect of improving the efficiency and accuracy of application auditing.
In a first aspect, an embodiment of the present invention provides an application auditing method, where the method includes:
determining personal auditing results of the applicant according to application information submitted by the applicant and applicant data in a knowledge graph;
Determining other members of the community to which the applicant belongs according to the knowledge graph, and determining a community application state according to application information submitted by the other members;
And determining the application result of the applicant according to the personal auditing result and the group application state of the applicant.
In a second aspect, an embodiment of the present invention further provides an application auditing apparatus, where the apparatus includes:
The personal auditing result determining module is used for determining the personal auditing result of the applicant according to the application information submitted by the applicant and the applicant data in the knowledge graph;
The group application state determining module is used for determining other members of the group to which the applicant belongs according to the knowledge graph and determining the group application state according to application information submitted by the other members;
and the application result determining module is used for determining the application result of the applicant according to the personal audit result and the group application state of the applicant.
In a third aspect, an embodiment of the present invention further provides an electronic device, including:
one or more processors;
storage means for storing one or more programs,
The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the application auditing method as described above.
In a fourth aspect, embodiments of the present invention also provide a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements an application auditing method as described above.
The method and the device for verifying the application of the single person of the applicant in the embodiment of the invention solve the problem that the auditing is only carried out on the single person information of the applicant and the group fraud related to the single person application is difficult to discover, thereby reducing the accuracy of the application auditing and realizing the effects of improving the efficiency and the accuracy of the application auditing.
Drawings
FIG. 1 is a flowchart of a method for applying for auditing according to an embodiment of the present invention;
FIG. 2 is a flowchart of a method for applying for auditing according to a second embodiment of the present invention;
Fig. 3 is a schematic structural diagram of an application auditing device according to a third embodiment of the present invention;
Fig. 4 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present invention.
Detailed Description
The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting thereof. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.
Example 1
Fig. 1 is a flowchart of an application auditing method according to an embodiment of the present invention, where the embodiment is applicable to auditing whether application information submitted by an applicant is in a situation, and the method may be performed by an application auditing device according to an embodiment of the present invention, and the device may be implemented by software and/or hardware. Referring to fig. 1, the application auditing method provided in this embodiment includes:
Step 110, determining personal auditing results of the applicant according to application information submitted by the applicant and applicant data in a knowledge graph.
The application information submitted by the applicant can comprise basic information and application types of the applicant. The basic information of the applicant may include information such as the name of the applicant, an identification card number, and the like. The application type may be a credit card application or the like. The applicant data in the knowledge graph is data related to the applicant in the pre-constructed knowledge graph. And comparing the application information with the applicant data in the knowledge graph to determine whether the personal auditing result of the applicant is qualified.
In this embodiment, optionally, the applicant data includes:
And at least one of illegal list data, credit information data and personal data, wherein the illegal list data comprises blacklist data and gray list data.
The blacklist data is user data which is blacklisted in the actions of long-time overdue, frequent money-forcing, illegal cash registering and the like. The gray list data is data of users whose relatives are blacklist members in the second generation. The credit data may be a credit report of the user. The personal data may be name, identification card number, etc. data that the user submitted before performing other operations.
In this embodiment, optionally, acquiring the gray list data includes:
determining a first relative set according to the blacklist data and family relations in the knowledge graph;
Determining a second relative set according to the first relative set and family relations in the knowledge graph;
And obtaining the gray list data by performing a deduplication operation on the second relative set.
Wherein the first relative set is a set of immediate relative of the blacklisted user and the blacklisted user. The second user set is a set composed of the direct relative of the members in the first relative set obtained by the first relative set through the family relationship in the knowledge graph. And removing the repeated members in the second relative collection and the related data of the blacklist user to obtain gray list data. And acquiring the gray list data through the knowledge graph, so that the accuracy and the efficiency of acquiring the gray list data are improved, and the accuracy of acquiring the personal auditing result is improved.
In this embodiment, optionally, according to application information submitted by the applicant and applicant data in the knowledge graph, determining a personal audit result of the applicant includes at least one of the following:
judging whether the applicant is an illegal list member according to the applicant information and the illegal list data, if so, judging that the personal auditing result is unqualified;
Judging whether the credit data of the applicant meets the application qualification according to the applicant information and the credit data, if not, the personal auditing result is unqualified;
Judging whether the applicant information is false data or not according to the applicant information and the personal data, and if so, judging that the personal auditing result is unqualified.
Judging whether the applicant is an illegal list member according to the applicant information and the illegal list data. When the applicant is an illegal list member, the personal auditing result is unqualified.
And judging whether the credit investigation situation of the applicant meets the application qualification according to the applicant information and the credit investigation data. Illustratively, the personal audit result is unacceptable when the applicant has resulted in a poor record of credit because the loan or credit card was not paid on time.
Judging whether the applicant information has obvious variation compared with the personal data, such as sex change and the like according to the applicant information and the personal data, if the obvious difference exists, judging that the applicant information is false data, and if the personal auditing result is unqualified.
The personal auditing result of the applicant is determined according to at least one of the illegal list data, credit investigation data and personal data, the accuracy of determining the personal application result is improved, and meanwhile, the condition that the auditing efficiency is reduced due to the fact that the application information is manually checked with the applicant data in different systems is avoided by integrating the applicant data into a knowledge graph.
And 120, determining other members of the community to which the applicant belongs according to the knowledge graph, and determining the application state of the community according to application information submitted by the other members.
And determining other members of the community to which the applicant belongs according to the relation of the applicant in the knowledge graph.
In this embodiment, the applicant-related community may optionally include at least one of an applicant family community and an applicant company community.
The other members of the family group to which the applicant belongs are determined according to the family relationship of the applicant in the knowledge graph, or the other members of the company group to which the applicant belongs are determined according to the colleague relationship of the applicant in the knowledge graph.
And determining the group application state according to the application information submitted by other members. The group application state is an application state determined according to application conditions related to application types submitted by the applicant and submitted by group members.
In this embodiment, optionally, the determining the group application status according to the application information submitted by the other member includes:
Acquiring application information submitted by other members, wherein the application information submitted by the other members comprises application frequency and application time of the other members;
judging whether the application frequency is larger than a preset frequency and whether the application time is within a preset time range;
And if the application frequency is greater than the preset frequency and the application time is within the preset time range, determining that the application state of the group is abnormal.
If the application frequency is greater than the preset frequency and the application time is within the preset time range, the group application state is abnormal, and other conditions are normal.
And acquiring application information submitted by other members, wherein the application information submitted by the other members comprises application frequencies and application times of the other members, and judging the application frequencies and the application times of the other members in the company when the group is an applicant company group by way of example. When there are company members within a preset time range, for example, within seven days, the application frequency is greater than the preset frequency, for example, ten applications are submitted, the application state of the group is determined to be abnormal. The group information meeting the requirement that the application frequency is greater than the preset frequency and the application time is within the preset time range can be transmitted to the wind control department, and the wind control department can further determine whether the group application state is abnormal or not.
When the application object is a credit card, the illegal party is prevented from obtaining illegal benefits by establishing a wallet company and utilizing company staff to frequently apply for the credit card. Or avoid lawbreakers from frequently applying for credit cards in units of home to obtain illegal benefits.
And 130, determining the application result of the applicant according to the personal auditing result and the group application state of the applicant.
And jointly determining the final application result of the applicant according to the personal auditing result and the group application state of the applicant.
In this embodiment, optionally, determining the application result of the applicant according to the personal audit result and the group application state of the applicant includes:
if the personal auditing result of the applicant is qualified and the group application state is normal, the application result of the applicant is passing;
If the personal auditing result of the applicant is qualified and the group application state is abnormal, the application result of the applicant is passing and the group application condition is recorded;
If the personal auditing result of the applicant is unqualified and the group application state is normal, the application result of the applicant is failed and the personal application condition is recorded;
If the personal auditing result of the applicant is unqualified and the group application state is abnormal, the application result of the applicant is failed, and the personal application condition and the group application condition are recorded.
If the personal audit result of the applicant is qualified and the group application state is abnormal, the application result of the applicant is passed without influencing the application result of the applicant, but the group application condition is recorded into the risk data of the applicant for subsequent personal wind control analysis.
If the personal audit result of the applicant is unqualified and the group application state is normal, the application result of the applicant is failed, the applicant can be added into a blacklist, and the personal application condition is recorded into the related risk data of the group for subsequent group wind control analysis.
If the personal audit result of the applicant is unqualified and the group application state is abnormal, the application result of the applicant is failed, and the personal application condition and the group application condition are recorded. The applicant and company may be blacklisted and personal and community application conditions recorded into the associated risk data for subsequent community and personal wind control analysis. By jointly determining the application result of the applicant according to the personal auditing result and the group application state of the applicant, the group fraud prevention capability and the accuracy of the personal application auditing are improved.
According to the technical scheme, the personal auditing result of the applicant is determined according to the application information submitted by the applicant and the applicant data in the knowledge graph, other members of the community to which the applicant belongs are determined according to the knowledge graph, the community application state is determined according to the application information submitted by the other members, and the application result of the applicant is determined according to the personal auditing result of the applicant and the community application state, so that the problem that auditing is only conducted on single information of the applicant and community fraud related to single application is difficult to find is solved, the accuracy of application auditing is reduced, and the effects of improving the application auditing efficiency and accuracy are achieved.
Example two
Fig. 2 is a flowchart of a method for applying for auditing according to a second embodiment of the present invention, where the technical solution is described in addition to the process before determining the personal auditing result of the applicant. Compared with the scheme, the scheme is specifically optimized, and before the personal auditing result of the applicant is determined according to the application information submitted by the applicant and the applicant data in the knowledge graph, the scheme further comprises:
the method comprises the steps of extracting data from internal data of a service party and/or external data of the service party according to a first preset period to obtain a relation between entities;
And determining a knowledge graph according to the entity and the relation between the entities. Specifically, a flowchart of the application auditing method is shown in fig. 2:
step 210, extracting data from the internal data of the service side and/or the external data of the service side according to a first preset period to obtain the relationship between the entities.
The service side internal data is data available in the service side, such as a private-public client information table, a family relation table, a credit card product table, an internal blacklist information table and the like. The external data of the service party is data which cannot be acquired by the inside of the service party and needs to be acquired from the outside, such as credit investigation data, peer blacklist data and the like. The credit card product table may include card face information, credit information, currency information, and the like.
For example, the first preset period may be daily, and the service side internal data and/or the service side external data newly added in the current day may be extracted to obtain the entity and the relationship between the entities. Exemplary entities may be private customer entities, public customer entities, credit card entities, etc., and relationships between entities may be application relationships, family relationships, work relationships, etc.
And 220, determining a knowledge graph according to the entity and the relation between the entities.
The initial knowledge graph can be determined according to the first extracted entity and the relation between the entities, and then the data extraction is carried out according to the first preset period to obtain the relation between the current entity and the entities, and the initial knowledge graph is updated to determine the knowledge graph.
In this embodiment, optionally, determining the knowledge-graph according to the relationship between the entities includes:
Storing the entity and the relation between the entities to a first storage area;
Adding the relation between the entities in the first storage area to a second storage area according to a second preset period;
And determining a knowledge graph in the second storage area according to the relation between the entity and the entity in the second storage area.
The obtained relationship between the entities is stored in the first storage area, and the relationship between the entities is added to the second storage area every second preset period, for example, every day. The first storage area is used for temporarily storing the relationship between the entity which is acquired recently and the entity, separately recording the data which are acquired by the same entity at different times, and deleting the data after a certain period of time, for example, after one week, so as to avoid occupying excessive memory. The second storage area is used for storing all the entities and the relation between the entities, merging the data acquired at different time of the same entity, and generating a knowledge graph. The synchronization of the data is ensured, and useless data can be prevented from occupying the memory.
In this embodiment, optionally, the first storage area is a Hive data warehouse, and the second storage area is an Hbase database. Hive is a data warehouse tool based on Hadoop for data extraction, transformation, and loading, which is a mechanism that can store, query, and analyze large-scale data stored in Hadoop. HBase is a distributed, nematic, open source database. And through the combination of the Hive data warehouse and the Hbase database, the efficiency of acquiring data and storing data is improved.
Step 230, determining personal auditing results of the applicant according to the application information submitted by the applicant and the applicant data in the knowledge graph.
In this embodiment, optionally, determining, according to application information submitted by an applicant and applicant data in a knowledge graph, a personal audit result of the applicant includes:
determining an applicant data index according to application information submitted by an applicant;
acquiring the applicant data in a knowledge graph according to the applicant data index;
and determining the personal auditing result of the applicant according to the application information and the applicant data.
The method comprises the steps of determining applicant data to be acquired according to application information submitted by an applicant, acquiring corresponding applicant data in a knowledge graph from a designated storage area, such as the second storage area, according to an index of the applicant data, and determining personal auditing results of the applicant according to the application information and the applicant data. The problem that in the prior art, all data are stored in the database, so that the data are large in volume, the database is directly accessed during query, and the query efficiency is reduced is avoided, so that the data acquisition efficiency of the applicant is improved. It should be noted that, in this embodiment, when the data in the knowledge graph is obtained, the above scheme may be adopted, which is not limited to the applicant data.
In this embodiment, optionally, the applicant data index is stored in an elastomer search. The elastiscearch is a Lucene-based search server that provides a distributed multi-user capable full-text search engine that improves the stability, reliability and efficiency of applicant data searches.
And 240, determining other members of the community to which the applicant belongs according to the knowledge graph, and determining the application state of the community according to application information submitted by the other members.
Step 250, determining the application result of the applicant according to the personal auditing result and the group application state of the applicant.
According to the embodiment of the invention, the data extraction is carried out on the internal data of the service party and/or the external data of the service party according to the first preset period, so that the relation between the entities is obtained, the problem of multiple inquiry caused by the fact that the application information needs to be sequentially verified according to the information type in the prior art is solved, and the efficiency of application auditing is improved.
Example III
Fig. 3 is a schematic structural diagram of an application auditing device according to a third embodiment of the present invention. The device can be realized by hardware and/or software, and the application auditing method provided by any embodiment of the invention can be executed, and has the corresponding functional modules and beneficial effects of the execution method. As shown in fig. 3, the apparatus includes:
a personal audit result determining module 310, configured to determine a personal audit result of an applicant according to application information submitted by the applicant and applicant data in a knowledge graph;
the group application state determining module 320 is configured to determine other members of the group to which the applicant belongs according to the knowledge graph, and determine a group application state according to application information submitted by the other members;
the application result determining module 330 is configured to determine an application result of the applicant according to the personal audit result and the group application state of the applicant.
The method and the device for verifying the application of the single person of the applicant in the embodiment of the invention solve the problem that the auditing is only carried out on the single person information of the applicant and the group fraud related to the single person application is difficult to discover, thereby reducing the accuracy of the application auditing and realizing the effects of improving the efficiency and the accuracy of the application auditing.
On the basis of the above technical solutions, optionally, the personal audit result determining module includes:
The applicant data index determining unit is used for determining an applicant data index according to application information submitted by an applicant;
the applicant data acquisition unit is used for acquiring the applicant data in the knowledge graph according to the applicant data index;
and the personal auditing result determining unit is used for determining the personal auditing result of the applicant according to the application information and the applicant data.
On the basis of the above technical solutions, optionally, the group application state determining module includes:
The application information acquisition unit is used for acquiring application information submitted by the other members, wherein the application information submitted by the other members comprises application frequency and application time of the other members;
The application frequency and time judging unit is used for judging whether the application frequency is larger than a preset frequency and whether the application time is within a preset time range;
and the group application state determining unit is used for determining that the group application state is abnormal if the application frequency is greater than the preset frequency and the application time is within the preset time range.
On the basis of the above technical solutions, optionally, the application result determining module includes:
The first application result determining unit is used for determining that the application result of the applicant passes if the personal auditing result of the applicant is qualified and the group application state is normal;
The second application result determining unit is used for determining that the application result of the applicant passes and recording the application condition of the group if the personal audit result of the applicant is qualified and the application condition of the group is abnormal;
a third application result determining unit, configured to, if the personal audit result of the applicant is failed and the group application state is normal, fail the application result of the applicant, and record a personal application condition;
and the fourth application result determining unit is used for recording the personal application condition and the group application condition if the personal audit result of the applicant is unqualified and the group application state is abnormal and the application result of the applicant is failed.
On the basis of the above technical solutions, optionally, the apparatus further includes:
The entity relation acquisition module is used for acquiring the relation between the entities by extracting the data of the internal data of the service party and/or the external data of the service party according to a first preset period before the personal auditing result determination module;
And the knowledge graph determining module is used for determining a knowledge graph according to the entity and the relation between the entities.
On the basis of the above technical solutions, optionally, the knowledge graph determining module includes:
A first storage area storage unit configured to store the entity and a relationship between the entities to a first storage area;
a second storage area adding unit that adds the relationship between the entities in the first storage area to a second storage area according to a second preset period;
And the knowledge graph determining unit is used for determining the knowledge graph in the second storage area according to the relation between the entities in the second storage area.
Based on the above technical solutions, optionally, the first storage area is a Hive data warehouse, and the second storage area is an Hbase database.
On the basis of the above technical solutions, optionally, the applicant data includes:
And at least one of illegal list data, credit information data and personal data, wherein the illegal list data comprises blacklist data and gray list data.
On the basis of the above technical solutions, optionally, the personal audit result determining module includes at least one of the following:
the first personal auditing result determining unit is used for judging whether the applicant is an illegal list member according to the applicant information and the illegal list data, if so, the personal auditing result is unqualified;
The second personal auditing result determining unit is used for judging whether the credit investigation data of the applicant meets the application qualification according to the applicant information and the credit investigation data, and if not, the personal auditing result is unqualified;
And the third personal auditing result determining unit is used for judging whether the applicant information is false data according to the applicant information and the personal data, and if so, the personal auditing result is unqualified.
On the basis of the above technical solutions, optionally, the gray list data acquisition module includes:
a first relative set determining unit, configured to determine a first relative set according to the blacklist data and family relationships in the knowledge graph;
A second relative set determining unit, configured to determine a second relative set according to the first relative set and family relationships in the knowledge graph;
The gray list data acquisition unit is used for acquiring the gray list data by performing duplication removal operation on the second relative collection.
On the basis of the technical schemes, optionally, the applicant related communities include at least one of an applicant family community and an applicant company community.
On the basis of the technical solutions, optionally, the applicant data index is stored in an elastic search.
Example IV
Fig. 4 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present invention, where, as shown in fig. 4, the electronic device includes a processor 40, a memory 41, an input device 42 and an output device 43, where the number of the processors 40 in the electronic device may be one or more, and in fig. 4, one processor 40 is taken as an example, and the processor 40, the memory 41, the input device 42 and the output device 43 in the electronic device may be connected by a bus or other manners, and in fig. 4, the connection is taken as an example by a bus.
The memory 41 is a computer readable storage medium, and may be used to store a software program, a computer executable program, and a module, such as a program instruction/module corresponding to the application auditing method in the embodiment of the present invention. The processor 40 executes various functional applications of the electronic device and data processing by executing software programs, instructions and modules stored in the memory 41, i.e., implements the application auditing method described above.
The memory 71 may mainly include a storage program area which may store an operating system, application programs required for at least one function, and a storage data area which may store data created according to the use of the terminal, etc. In addition, memory 71 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid-state storage device. In some examples, memory 71 may further include memory remotely located relative to processor 70, which may be connected to the electronic device via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
Example five
A fifth embodiment of the present invention also provides a storage medium containing computer-executable instructions, which when executed by a computer processor, are for performing a method of application auditing, the method comprising:
determining personal auditing results of the applicant according to application information submitted by the applicant and applicant data in a knowledge graph;
Determining other members of the community to which the applicant belongs according to the knowledge graph, and determining a community application state according to application information submitted by the other members;
And determining the application result of the applicant according to the personal auditing result and the group application state of the applicant.
Of course, the storage medium containing the computer executable instructions provided in the embodiments of the present invention is not limited to the method operations described above, and may also perform the related operations in the application auditing method provided in any embodiment of the present invention.
From the above description of embodiments, it will be clear to a person skilled in the art that the present invention may be implemented by means of software and necessary general purpose hardware, but of course also by means of hardware, although in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a FLASH Memory (FLASH), a hard disk, or an optical disk of a computer, etc., and include several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments of the present invention.
It should be noted that, in the embodiment of the application auditing device, each unit and module included are only divided according to the functional logic, but not limited to the above division, so long as the corresponding functions can be implemented, and in addition, specific names of each functional unit are only for convenience of distinguishing each other, and are not used for limiting the protection scope of the present invention.
Note that the above is only a preferred embodiment of the present invention and the technical principle applied. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.
Claims (13)
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| CN110297912A (en) * | 2019-05-20 | 2019-10-01 | 平安科技（深圳）有限公司 | Cheat recognition methods, device, equipment and computer readable storage medium |
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| CN110895758B (en) * | 2019-12-02 | 2023-05-02 | 中国银行股份有限公司 | Screening method, device and system for credit card account with cheating transaction |
| CN110930246A (en) * | 2019-12-04 | 2020-03-27 | 深圳市新国都金服技术有限公司 | Credit anti-fraud identification method and device, computer equipment and computer-readable storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109191281A (en) * | 2018-08-21 | 2019-01-11 | 重庆富民银行股份有限公司 | A kind of group's fraud identifying system of knowledge based map |
| CN110297912A (en) * | 2019-05-20 | 2019-10-01 | 平安科技（深圳）有限公司 | Cheat recognition methods, device, equipment and computer readable storage medium |
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