CN108335198A - Customer risk assessment method, device, equipment and computer readable storage medium - Google Patents
Customer risk assessment method, device, equipment and computer readable storage medium Download PDFInfo
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- CN108335198A CN108335198A CN201810131910.1A CN201810131910A CN108335198A CN 108335198 A CN108335198 A CN 108335198A CN 201810131910 A CN201810131910 A CN 201810131910A CN 108335198 A CN108335198 A CN 108335198A
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Abstract
The present invention discloses a kind of customer risk assessment method, device, equipment and computer readable storage medium, the method includes：When receiving the test and appraisal request transmitted by customer account, obtain and the corresponding customer account information of test and appraisal request；According to the corresponding customer account information of request of testing and assessing, the determining corresponding target test and appraisal examination question from default test and appraisal test item bank exports target test and appraisal examination question, to carry out customer risk test and appraisal to customer account counterpart terminal；It receives customer account to answer based on the test and appraisal transmitted by target test and appraisal examination question, and is answered according to test and appraisal and generate customer risk evaluating result.This programme sends test and appraisal request by customer account counterpart terminal and carries out customer risk test and appraisal, avoids testing and assessing at financial institution scene, saves the stand-by period of client and personnel's input of financial institution；In addition the target test and appraisal examination question for being used for customer risk test and appraisal is determined according to customer account information, is kept it more targeted, is improved the accuracy of customer risk evaluating result.
Description
Technical field
The invention mainly relates to financial air control systems technology fields, specifically, be related to a kind of customer risk assessment method,
Device, equipment and computer readable storage medium.
Background technology
Currently, with the development of financial institution's business, client such as buys finance product, Shen in financial institution's transacting business
When please provide a loan, it is required to carry out customer risk test and appraisal.But financial institution tests and assesses to the risk of client, needs client to finance
The sales counter scene of mechanism is tested and assessed, and when the customer quantity of test and appraisal is more, the queuing time of one side client is long, customer experience
It is poor, customer churn may be caused；On the other hand it needs the staff of more financial institution to test and assess customer risk, increases
The human cost of financial institution is added.
Invention content
The main object of the present invention is to provide a kind of customer risk assessment method, device, equipment and computer-readable storage
Medium, it is intended to solve customer risk test and appraisal in the prior art and be carried out at financial institution scene, cause client to wait until that the time is long, increase
The problem of financial institution's cost.
To achieve the above object, the present invention provides a kind of customer risk assessment method, the customer risk assessment method packet
Include following steps：
When receiving the test and appraisal request transmitted by customer account, obtain and the corresponding customer account information of test and appraisal request；
Corresponding customer account information is asked according to test and appraisal, corresponding target test and appraisal are determined from default test and appraisal test item bank
Examination question, to customer account counterpart terminal output target test and appraisal examination question, to carry out customer risk test and appraisal；
It receives customer account to answer based on the test and appraisal transmitted by target test and appraisal examination question, and is answered according to test and appraisal and generate client's wind
Dangerous evaluating result.
Preferably, the customer account that receives is answered based on the test and appraisal transmitted by target test and appraisal examination question, and according to testing and assessing back
Answering the step of generating customer risk evaluating result includes：
When the test and appraisal of each problem are answered in receiving customer account to target test and appraisal examination question, determine in customer account information
With information corresponding to each problem；
According to, with information corresponding to each problem, matching, generate to the test and appraisal of each problem answer in customer account information
Matching degree grade, and the scoring that each problem test and appraisal are answered is determined according to matching degree grade；
The scoring that each problem test and appraisal are answered in target test and appraisal examination question is integrated, client's wind of target test and appraisal examination question is generated
Dangerous evaluating result.
Preferably, the customer account that receives is answered based on the test and appraisal transmitted by target test and appraisal examination question, and according to testing and assessing back
Answering the step of generating customer risk evaluating result includes：
When the test and appraisal of each problem are answered in receiving customer account to target test and appraisal examination question, determine that the test and appraisal of each problem are returned
Answer spent each single Reaction time；
The default Reaction time of each single Reaction time and correspondence problem is compared, determines commenting for each problem test and appraisal answer
Point；
The scoring that each problem test and appraisal are answered in target test and appraisal examination question is integrated, client's wind of target test and appraisal examination question is generated
Dangerous evaluating result.
Preferably, the basis asks corresponding customer account information with test and appraisal, determining pair from default test and appraisal test item bank
Answer target test and appraisal examination question the step of include：
Determine the corresponding test and appraisal type of test and appraisal request, and determining corresponding with test and appraisal type from default test and appraisal test item bank
Each middle preset test and appraisal examination question；
Customer account information is matched one by one with each middle preset test and appraisal examination question, determines that customer account information and each centre are pre-
If testing and assessing the matched matching degree of examination question, and target test and appraisal examination question is determined according to the matching degree.
Preferably, include after described the step of answering generation customer risk evaluating result according to test and appraisal：
After answering generation evaluating result according to test and appraisal, monitor video captured in customer risk assessment process is called,
And the validity of customer risk evaluating result is veritified according to monitor video；
If the validity of customer risk evaluating result is veritified successfully, customer risk test and appraisal are completed；
If the validity of customer risk evaluating result veritifies failure, the prompt message of customer risk test and appraisal failure is exported.
Preferably, described when receiving the test and appraisal request transmitted by customer account, obtain client corresponding with test and appraisal request
The step of account information includes：
When receiving the test and appraisal request transmitted by customer account, prompt to input corresponding with customer account identity information into
Row verification；
When receiving identity information corresponding with customer account, by the note bound in the identity information and customer account
Volume identity information is matched；
After enrollment status information matches success bound in identity information and customer account, it is right with identity information institute to obtain
The customer account information answered.
Preferably, described when receiving the test and appraisal request transmitted by customer account, it obtains and the corresponding visitor of test and appraisal request
Include before the step of family account information：
When it is new registration account to detect customer account attribute, the display interface of customer risk test and appraisal is jumped to, to draw
It leads customer account and sends test and appraisal request, carry out customer risk test and appraisal；
Alternatively, when it is not carry out the registered account of customer risk test and appraisal to detect customer account, output carries out client
The prompt message of risk test and appraisal operation.
In addition, to achieve the above object, the present invention also proposes a kind of customer risk assessment device, the customer risk test and appraisal
Device includes：
Acquisition module, for when receiving the test and appraisal request transmitted by customer account, obtaining and testing and assessing corresponding to request
Customer account information；
Determining module is determined for asking corresponding customer account information according to test and appraisal from default test and appraisal test item bank
Corresponding target test and appraisal examination question, to customer account information counterpart terminal output target test and appraisal examination question, to carry out customer risk test and appraisal；
Generation module is answered for receiving customer account based on the test and appraisal transmitted by target test and appraisal examination question, and according to test and appraisal
It answers and generates customer risk evaluating result.
In addition, to achieve the above object, the present invention also proposes a kind of customer risk test and appraisal equipment, the customer risk test and appraisal
Equipment includes：Memory, processor, communication bus and the customer risk test and appraisal program being stored on the memory；
The communication bus is for realizing the connection communication between processor and memory；
The processor is for executing the customer risk test and appraisal program, to realize following steps：
When receiving the test and appraisal request transmitted by customer account, obtain and the corresponding customer account information of test and appraisal request；
Corresponding customer account information is asked according to test and appraisal, corresponding target test and appraisal are determined from default test and appraisal test item bank
Examination question, to customer account counterpart terminal output target test and appraisal examination question, to carry out customer risk test and appraisal；
It receives customer account to answer based on the test and appraisal transmitted by target test and appraisal examination question, and is answered according to test and appraisal and generate client's wind
Dangerous evaluating result.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Storage medium storage there are one either more than one program the one or more programs can by one or one with
On processor execute for：
When receiving the test and appraisal request transmitted by customer account, obtain and the corresponding customer account information of test and appraisal request；
Corresponding customer account information is asked according to test and appraisal, corresponding target test and appraisal are determined from default test and appraisal test item bank
Examination question, to customer account counterpart terminal output target test and appraisal examination question, to carry out customer risk test and appraisal；
It receives customer account to answer based on the test and appraisal transmitted by target test and appraisal examination question, and is answered according to test and appraisal and generate client's wind
Dangerous evaluating result.
The customer risk assessment method of the present embodiment, when receiving the test and appraisal request transmitted by customer account, by obtaining
It takes and the corresponding customer account information of test and appraisal request；And according to the customer account information corresponding with test and appraisal request is received, from
Corresponding target test and appraisal examination question is determined in each default test and appraisal test item bank；The target detection of this determination is inscribed to customer account information pair
Terminal is answered to export, so that customer account carries out customer risk test and appraisal；Receive target test and appraisal examination question institute of the customer account based on output
The test and appraisal of transmission are answered, and are answered according to this test and appraisal and are generated customer risk evaluating result.This programme passes through customer account counterpart terminal
It sends test and appraisal request and carries out customer risk test and appraisal, avoid client from testing and assessing at financial institution scene, save the queuing of client
The personnel of stand-by period and financial institution put into；In addition the target for being used for customer risk test and appraisal tests and assesses examination question according to customer account
Information determines, target test and appraisal examination question can be made more targeted, improve the accuracy of customer risk evaluating result.
Description of the drawings
Fig. 1 is the flow diagram of the customer risk assessment method first embodiment of the present invention；
Fig. 2 is the flow diagram of the customer risk assessment method second embodiment of the present invention；
Fig. 3 is the flow diagram of the customer risk assessment method 3rd embodiment of the present invention；
Fig. 4 is the high-level schematic functional block diagram of the customer risk assessment device first embodiment of the present invention；
Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of customer risk assessment method.
Fig. 1 is please referred to, Fig. 1 is the flow diagram of customer risk assessment method first embodiment of the present invention.In this implementation
In example, the customer risk assessment method includes：
Step S10 is obtained and the corresponding customer account of test and appraisal request when receiving the test and appraisal request transmitted by customer account
Family information；
The customer risk test and appraisal of the present invention are suitable for passing through VTM (Video Teller Machine, long-distance video teller
Machine) risk test and appraisal are carried out to the client of financial institution.The client for having business contact demand with financial institution registers in financial institution
Customer account, wherein business contact include purchase finance product, application loan, savings etc..When client handles purchase in financial institution
When buying the business such as finance product or application loan, financial institution needs to test and assess to the risk of this client.It manages money matters for purchase
The client of product, can be judged according to the obtained result of testing and assessing the risk classifications that client can bear for low-risk, risk or
High risk etc., with more accurately to lead referral finance product.And for the client of application loan, then it is obtained according to testing and assessing
As a result judge the subsequent loan repayment capacity of client, determine application loan qualification possessed by client.Specifically, financial institution is in various regions
Area arranges VTM, and client shows application progress client's wind by its Account Logon to VTM systems on the display interface of VTM systems
The virtual option nearly tested and assessed, client trigger test and appraisal request by way of clicking or double-clicking this virtual option.Because test and appraisal request by
Client logs in its account and triggers, to when receiving the test and appraisal request transmitted by customer account, get and this survey
Comment the corresponding customer account information of request.Wherein the step of acquisition customer account information, includes：
Step S11 prompts to input body corresponding with customer account when receiving the test and appraisal request transmitted by customer account
Part information is verified；
Understandably, customer account is by carry out malice risk test and appraisal in order to prevent, to when the customer account for receiving login
When test and appraisal transmitted by family are asked, input identity information corresponding with this login customer account is prompted, to ask sending out test and appraisal
Client identity verified.The mode wherein prompted can be shown in the display interfaces of VTM systems with talking with box form
Show, can also be to carry out output report in a manner of voice, is verified to prompt client to input identity information.
Step S12, when receiving identity information corresponding with customer account, by the identity information and customer account institute
The enrollment status information of binding is matched；
Further, client needs to bind its identity information when carrying out Account Registration, to when receiving and customer account
The corresponding identity information in family, when needing to carry out authentication, by the registration bound in the identity information received and customer account
Identity information is matched.The identity information received can be identity document information, the upper scannings equipped with identity document of VTM
Position either input unit, is put into scan position by identity document and is scanned reading identity card part information or passes through input
Device inputs identity document information, this reads or the identity document information of input is the body corresponding with customer account received
Part information.When receiving this with identity information corresponding to customer account, it is determined that with the note bound corresponding to customer account
Volume identity information, the two is matched, and judges whether received identity information is consistent with enrollment status information.In addition identity
Verification can also be carried out by way of identity document information and recognition of face, the facial image in reading identity card part information,
And the human face image information of the personnel just operated on VTM machines is scanned, by the face figure of the facial image of reading and scanning
As information is matched, judge whether the personnel operated are consistent with personnel in identity document information.
Step S13, after the enrollment status information matches success bound in identity information and customer account, acquisition and identity
Customer account information corresponding to information.
Further, when the identity information and enrollment status information received is consistent or the personnel operated and body
When personnel are consistent in part certificate information, then illustrate that the client identity for sending test and appraisal request is proved to be successful.In identity document information and
Enrollment status information matches success bound in customer account then obtains after determining that the client identity for sending test and appraisal request is normal
It takes and the customer account information corresponding to identity information.Customer account information includes client's essential information and client's Financial Information
Deng wherein client's essential information includes client age, gender, job category, length of service etc., and client's Financial Information includes client
It takes in flowing water, total assets, assets flowing water, debt, credit, have finance product/insurance products purchaser record, have finance product
Profit and loss situation etc.；To be tested and assessed to customer risk according to such customer account information.
Step S20 asks corresponding customer account information according to test and appraisal, and determination is corresponding from default test and appraisal test item bank
Target test and appraisal examination question, to customer account information counterpart terminal output target test and appraisal examination question, to carry out customer risk test and appraisal.
Understandably, in order to keep the specific aim that customer risk is tested and assessed stronger, financial system can be directed to different types of service
Different test and appraisal examination questions is set, finance services are such as provided with tri- sets of test and appraisal examination questions of A1, A2 and A3, are arranged for loan transaction
There are tri- sets of test and appraisal examination questions of B1, B2 and B3, this variety of different test and appraisal examination question that test and appraisal test item bank is collectively formed.And specifically used examination question
Which set test and appraisal examination question in library carries out customer risk test and appraisal, then is determined by type of service, type of service is tested and assessed in customer risk
When embodied with type of testing and assessing, such as finance services are presented as that test and appraisal type a, loan transaction are presented as test and appraisal type b.While class of testing and assessing
Type determines that is, client selects test and appraisal type triggering test and appraisal request by customer account when customer account triggers test and appraisal request.This
It is outer to consider for the different clients account with same test and appraisal type demand, because different clients account corresponds to different clients account
Information can make being directed to for test and appraisal examination question if carrying out customer risk test and appraisal using the same test and appraisal examination question of same test and appraisal type
Property is less strong.If customer account m and n are required to carry out the customer risk test and appraisal of test and appraisal type b, wherein customer account m is had
Customer account information in show that it has housing loan, and there is no housing loan in account information possessed by customer account.If testing and assessing class
The problem of test and appraisal examination question of type b is only a set of, and this set test and appraisal examination question includes about housing loan, if m, n are all made of this test and appraisal examination
Topic then needs to answer the information unrelated with its for n, and the specific aim for examination question of testing and assessing is weaker, reduces user experience.Thus
The different clients account information that the present embodiment is directed to same test and appraisal type demand is provided with more set test and appraisal examination questions, so as to basis and survey
The corresponding test and appraisal type of request and customer account information are commented, is determined from default test item bank and test and appraisal type and customer account
The corresponding target test and appraisal examination question of information, and the target of this determination test and appraisal examination question is subjected to output to customer account counterpart terminal and is shown
Show, so that client answers shown target test and appraisal examination question based on customer account, carries out customer risk test and appraisal.
Step S30 is received customer account and is answered based on the test and appraisal transmitted by target test and appraisal examination question, and answers life according to test and appraisal
At customer risk evaluating result.
After client answers shown target test and appraisal examination question based on customer account, test and appraisal are answered and are sent to
VTM systems.Comprising multiple tracks problem in target test and appraisal examination question, it can be real-time transmission after the completion of per pass problem is answered to send operation,
Can also be unified transmission after the completion of all problems are answered, it is without limitation.VTM systems receive this customer account and are based on mesh
The test and appraisal that mapping is had a try transmitted by topic are answered, and are answered according to the test and appraisal received and generated customer risk evaluating result.VTM systems
Each answer for each problem of every part of test and appraisal examination question in test and appraisal test item bank is both provided with score value, and each answer score value of each problem
It is all different, influence degree height of each answer to customer risk evaluating result for characterizing each problem.Such as in test and appraisal type
For loan transaction target test and assess examination question include client's overdue number the problem of, and as the option of its answer including 0 time, 1
~3 times, 3~5 times, 5 times or more, because the credit that the overdue number of client more multilist levies client is poorer, to answer 0 in this problem
The secondary higher score value of setting, and to 5 lower score values of arrangement above of answer, when the overdue number of client is more, this to be made to ask
The score of topic is less.To transmitted by client test and appraisal answer calculate score, by target test and assess examination question in each problem score into
Row is cumulative, obtains the total score of target test and appraisal examination question, total score of the VTM systems for the target test and appraisal examination question of different test and appraisal types
Different risk classifications are matched, as the target test and appraisal examination question score of loan transaction matches high risk type, score at 60 points or less
60~80/and it is risk type, score is low-risk type at 80 points or more.Obtaining customer account test and appraisal answer
Total score after, total score and risk classifications are matched, you can determine risk classifications, generate customer risk evaluating result.
The customer risk assessment method of the present embodiment, when receiving the test and appraisal request transmitted by customer account, by obtaining
It takes and the corresponding customer account information of test and appraisal request；And according to the customer account information corresponding with test and appraisal request is received, from
Corresponding target test and appraisal examination question is determined in each default test and appraisal test item bank；The target detection of this determination is inscribed to customer account information pair
Terminal is answered to export, so that customer account carries out customer risk test and appraisal；Receive target test and appraisal examination question institute of the customer account based on output
The test and appraisal of transmission are answered, and are answered according to this test and appraisal and are generated customer risk evaluating result.This programme passes through customer account counterpart terminal
It sends test and appraisal request and carries out customer risk test and appraisal, avoid client from testing and assessing at financial institution scene, save the queuing of client
The personnel of stand-by period and financial institution put into；In addition the target for being used for customer risk test and appraisal tests and assesses examination question according to customer account
Information determines, target test and appraisal examination question can be made more targeted, improve the accuracy of customer risk evaluating result.
Further, on the basis of customer risk assessment method first embodiment of the present invention, customer risk of the present invention is proposed
Assessment method second embodiment, in a second embodiment, the customer account that receives is based on the survey transmitted by target test and appraisal examination question
Answer is commented, and answers the step of generating customer risk evaluating result according to test and appraisal and includes：
Step S31 determines customer account when the test and appraisal of each problem are answered in receiving customer account to target test and appraisal examination question
In the information of family with information corresponding to each problem；
Understandably, client, may be to the letter of its own when being answered target test and appraisal examination question based on customer account
There is the phenomenon that forgeing, such as answer for overdue number problem in breath, data etc., the possible client number overdue to its is not
It is well aware of, to the phenomenon that arbitrarily answering occur.The present embodiment is provided with customer account in order to avoid the appearance of such phenomenon
Family information answers the mechanism checked to the test and appraisal of client.Customer account information is financial institution to present in customer account
The record of all kinds of operation behaviors and the essential information of client, have the characteristics that authenticity, thereby using customer account information pair
Test and appraisal are answered and are checked, and the scoring that test and appraisal are answered can be made more acurrate.It is each in receiving customer account to target test and appraisal examination question
When the test and appraisal of problem are answered, then the corresponding informance with each problem is determined from customer account information, with by corresponding informance to surveying
Answer is commented to be checked.
A step S32, according to, with information corresponding to each problem, answering the test and appraisal of each problem and carry out in customer account information
Match, generates matching degree grade, and the scoring that each problem test and appraisal are answered is determined according to matching degree grade；
With after the corresponding informance of each problem in determining customer account information, the test and appraisal of corresponding informance and each problem are answered
It is matched, generates the matching degree grade of each problem, matching degree grade is used to characterize the matching journey of test and appraisal answer and corresponding informance
Degree.If the problem of target test and appraisal examination question includes three age, occupation and monthly income problems, test and appraisal of the client to this three problems
It answers as 28, civilian and 4000；And in customer account information with the corresponding informance of this three problems be 28, civilian and
3800；The test and appraisal answer of the corresponding informance and three problems of three problems is matched, match grade is generated.Because of problem age
It is exactly matched with occupation, matching degree grade highest, and problem monthly income does not exactly match then, but be not much different, thus will
Its matching degree grade is determined as being only second to highest level.The phase that specific matching degree grade can be answered according to corresponding informance with test and appraisal
Poor percentage determines that percentage is bigger when differing, and illustrates to differ larger between corresponding informance is answered test and appraisal, can set matching degree
Grade is relatively low, and it is smaller to differ percentage, illustrates to differ smaller between corresponding informance is answered test and appraisal, can set matching degree grade
It is higher.The test and appraisal answer of each problem is both provided with the score value of its own, after generating matching degree grade, then according to this matching degree
Grade answers obtained score value to the test and appraisal of each problem and scores.As above-mentioned for three age, occupation and monthly income problems,
Score value wherein between the age 20~30 is that the score value between 5 points, 30~50 is 8 points, and the score value between 50~65 is 5 points；Duty
Industry be the score value of civilian be 3 points, the score value of civil servant is 10 points, researches and develops the score value of scientific and technical personnel is 8 points；Monthly income 3000~
Score value between 5000 is 3 points, 5000~10000 score value be 5 points, 10000~15000 score value is 10 points.Because of three
It is respectively 28, civilian and 4000 that the test and appraisal of problem, which are answered, then the score value corresponding to it is respectively 5 points, 3 points and 3 points.It is inciting somebody to action
Test and appraisal are answered and corresponding informance is when being matched, because the test and appraisal answer and corresponding informance of age and occupation exactly match, to
When scoring the score value obtained by it according to matching degree grade, 5 points and 3 points are remained as；And for monthly income, because of corresponding informance
It is inconsistent with test and appraisal answer, when scoring to its score value according to matching degree grade, then need to carry out reduction behaviour to its score value
Make, be such as reduced to 2 points by 3 points, the scoring for determining each problem test and appraisal answer according to matching degree grade is realized, so that test and appraisal were answered
Scoring is more accurate.
Step S33 integrates the scoring that each problem test and appraisal are answered in target test and appraisal examination question, generates target test and appraisal examination question
Customer risk evaluating result.
It further, will be in target test and appraisal examination question after determining the scoring that each problem test and appraisal are answered according to matching degree grade
The scoring synthesis that each problem test and appraisal are answered, carries out accumulation operations, and the obtained numerical value that adds up is obtained by target detection examination question
Total score.Obtained total score and risk classifications are matched, determine risk classifications, generates client's wind of target test and appraisal examination question
Dangerous evaluating result, if risk classifications are high risk type, then the customer risk evaluating result generated is high risk.
Further, on the basis of customer risk assessment method first embodiment of the present invention, customer risk of the present invention is proposed
Assessment method 3rd embodiment, in the third embodiment, the customer account that receives is based on the survey transmitted by target test and appraisal examination question
Answer is commented, and answers the step of generating customer risk evaluating result according to test and appraisal and includes：
Step S34 determines each problem when the test and appraisal of each problem are answered in receiving customer account to target test and appraisal examination question
Test and appraisal answer spent each single Reaction time；
Further, for client when being answered target test and appraisal examination question based on customer account, there are optimum ranges
Reaction time, if the test and appraisal response time to made by each problem is long or too short, there may be abnormal phenomenon.Target is surveyed
Comment examination question for customer risk test and assess, wherein the problem of should be related to customer information, if make test and appraisal answer overlong time,
Illustrate that it is unfamiliar with customer information, may be falsely used for other people and carry out customer risk test and appraisal；And if making the time that test and appraisal are answered
It is too short, have little time the content for running through problem, then explanation tests and assesses to customer risk more random, may be falsely used for other people and carry out malice survey
It comments.The present embodiment is provided with test and appraisal of the single Reaction time of each problem to client in order to avoid the appearance of such phenomenon
The corrected mechanism of score value of answer.When the test and appraisal of each problem are answered in receiving customer account to target test and appraisal examination question,
It determines that spent each single Reaction time is answered in the test and appraisal of each problem, that is, answers what each problem in target test and appraisal examination question was spent
Time, wherein single Reaction time is determined by the time interval between reception twice problem, and for first of problem, then by inciting somebody to action
Target test and appraisal output test paper is to customer account counterpart terminal and receives the time interval determination between test and appraisal answer.
The default Reaction time of each single Reaction time and correspondence problem is compared, determines that each problem is tested and assessed back by step S35
The scoring answered；
Further, in order to which the time length to each single Reaction time judges, each problem is previously provided with pre-
If Reaction time, Reaction time is preset as in view of comprehensive suitable for public reading topic time, think time and time of answering
It closes and determines.After spent each single Reaction time is answered in the test and appraisal for determining each problem, by each single Reaction time with it is corresponding
The default Reaction time of problem compares, and the scoring for determining the test and appraisal answer of each problem according to obtained result is compared.Work as list
When a Reaction time is within the scope of the default Reaction time of correspondence problem, then illustrate that Reaction time is normal, test and appraisal answer is divided
Value does not correct, and the scoring that each problem test and appraisal are answered is itself score value that test and appraisal are answered.And when single Reaction time is corresponding pre-
If outside Reaction time range, then illustrating Reaction time exception, then the score value answered test and appraisal according to comparing result being needed to carry out school
Just, the scoring that each problem test and appraisal are answered is determined.The size of correction can be according to the default answer of single Reaction time and correspondence problem
The difference percentage of time determines that percentage is bigger when differing, and illustrates phase between single Reaction time and its default Reaction time
Difference is larger, can set larger correction number, and it is smaller to differ percentage, illustrates single Reaction time and its default Reaction time
Between differ smaller, smaller correction number can be set.Such as tri- problems of k1, k2, k3, client, which tests and assesses, answers institute's score value
Respectively 8 points, 5 points and 10 points, and detect that the test and appraisal of k1 answer spent Reaction time within the scope of default Reaction time,
The test and appraisal of k2 answer spent Reaction time and are less than default Reaction time, and the test and appraisal of k3 are answered spent Reaction time and are more than
Default Reaction time is more, and answering score value to the test and appraisal of each problem according to this comparing result is corrected.The test and appraisal of k1 are answered
Score value is corrected to 8 points, i.e. its scoring is identical as script score value；It answers the scoring of k2 to score value and is corrected to 4 points, is i.e. its scoring is less than
Script score value；The Reaction time spent by test and appraisal answer because of k3 is more more than default Reaction time, and the scoring of k3 is answered
Score value is corrected to 7 points, i.e. its scoring is more less than script score value, realizes according to single Reaction time and its default Reaction time
Comparison determines the scoring that each problem test and appraisal are answered, so that the scoring that test and appraisal are answered is more accurate.
Step S36 integrates the scoring that each problem test and appraisal are answered in target test and appraisal examination question, generates target test and appraisal examination question
Customer risk evaluating result.
Further, determining what each problem test and appraisal were answered according to the comparison of single Reaction time and its default Reaction time
After scoring, the scoring that each problem test and appraisal are answered in target test and appraisal examination question is integrated, carries out accumulation operations, cumulative obtained numerical value
The as obtained total score of target detection examination question.Obtained total score and risk classifications are matched, determine risk classifications, it is raw
Be high risk type at the customer risk evaluating result of target test and appraisal examination question, such as risk classifications, then the customer risk test and appraisal generated
As a result it is high risk.
It should be noted that this third embodiment can be combined implementation with second embodiment, specifically, according to matching
After degree grade determines the scoring that the test and appraisal of each problem are answered, to this scoring further according to each problem Reaction time and correspondence problem it is pre-
If Reaction time comparing result carries out secondary scoring, it is corrected to scoring determined by matched degree grade, so as to test and assess back
The scoring answered is more accurate.
Further, in another embodiment of customer risk assessment method of the present invention, the basis and test and appraisal request institute are right
The step of answering customer account information, corresponding target test and appraisal examination question is determined from default test and appraisal test item bank include：
Step S21 determines the corresponding test and appraisal type of test and appraisal request, and is determined and test and appraisal class from default test and appraisal test item bank
The corresponding each middle preset test and appraisal examination question of type；
Further, the type of service for carrying out risk test and appraisal is needed to select to it in order to facilitate client, in VTM systems
Display interface be provided with embody type of service test and appraisal type option, such as the test and appraisal type of finance services and the survey of loan transaction
Comment type etc..Client can trigger test and appraisal request by selection test and appraisal type, thus when receiving test and appraisal request, you can determine
Corresponding test and appraisal type in this test and appraisal request.In order to test and assess to customer risk, set in advance for different test and appraisal types
More set test and appraisal examination questions are equipped with, each examination question of testing and assessing forms default test and appraisal test item bank, is determining the corresponding test and appraisal type of test and appraisal request
Afterwards, then each test and appraisal examination question corresponding with test and appraisal type is determined from default test and appraisal test item bank, this corresponding each test and appraisal examination question is made
For middle preset test and appraisal examination question.Middle preset tests and assesses examination question as the test and appraisal for carrying out customer risk test and appraisal to a certain test and appraisal type
Examination question, such as middle preset test and appraisal examination question p1, p2 and p3 of the type p that tests and assesses；Middle preset for the type q that tests and assesses, which is tested and assessed, to be tried
Inscribe q1, q2 and q3 etc..
Step S22 matches customer account information and each middle preset test and appraisal examination question one by one, determine customer account information with
Each middle preset test and appraisal matched matching degree of examination question, and target test and appraisal examination question is determined according to the matching degree.
Further, in order to keep each customer risk test and appraisal more targeted, each centre corresponding with test and appraisal type is being determined
After default test and appraisal examination question, customer account information is matched one by one with each middle preset test and appraisal examination question also, determines customer account information
The matching degree for the examination question scope of application of testing and assessing with each middle preset, this matching degree are that customer account information is tested and assessed with middle preset
The matched matching degree of examination question.When the test and assess matching degree of the scope of application of examination question of customer account information and middle preset more meets,
Then illustrate that matching degree is higher, the matching degree for working as the two accordingly is not met more, then illustrates that matching degree is lower.The matching degree of the two
Higher, then middle preset test and appraisal examination question is more accurate to the risk test and appraisal of client, to can be used this middle preset examination question as visitor
The target test and appraisal examination question of family account, i.e., determine target test and appraisal examination question, the accuracy higher for making customer risk test and assess according to matching degree.
Further, Fig. 2 is please referred to, in the base of the first, second or third embodiment of customer risk assessment method of the present invention
On plinth, customer risk assessment method fourth embodiment of the present invention is proposed, in the fourth embodiment, described answered according to test and appraisal generates
It is included after the step of customer risk evaluating result：
Step S40 calls prison captured in customer risk assessment process after answering generation evaluating result according to test and appraisal
Video is controlled, and the validity of customer risk evaluating result is veritified according to monitor video；
Understandably, in customer risk assessment process, it is understood that there may be the interference of extraneous factor influences customer risk test and appraisal
As a result, such as the extraneous answer for providing test and appraisal problem, tested and assessed the score of examination question with improving target so that the customer risk generated
Evaluating result is incorrect.In order to keep generated customer risk evaluating result authentic and valid, it is provided with monitoring device, is carrying out visitor
When the risk test and appraisal of family, shooting monitoring is carried out to customer risk assessment process.After generating customer risk evaluating result, this wind is called
Captured monitor video in dangerous assessment process, to carry out core to the validity of customer risk evaluating result according to this monitor video
Test, wherein veritify operation can be carried out by the operator attendance of financial institution, also can VTM systems veritify automatically.VTM systems are filled with monitoring
Communication connection is set, if being veritified by operator attendance, after generating customer risk evaluating result, operator attendance triggers call instruction, will
Monitor video calling is shown on the corresponding terminal interface of operator attendance, is checked in client's assessment process by operator attendance,
With the presence or absence of the interference of extraneous factor, such as talked with extraneous other staff, there are multiple personnel etc. at test and appraisal scene.If by VTM systems
System is automatic to be veritified, then after detecting that customer risk evaluating result generates, calls monitor video automatically, identified by image procossing
Technology, which determines, whether there is multiple personnel in video, or talk phenomenon etc. with extraneous other staff, that is, whether there is it is extraneous because
The interference of element is realized and is veritified to the validity of the customer risk evaluating result generated by monitor video.
Step S50 completes customer risk test and appraisal if the validity of customer risk evaluating result is veritified successfully；
Further, the validity of customer risk evaluating result is being veritified by monitor video, is determining that customer risk is surveyed
When the interference of extraneous factor being not present during commenting, then it can determine that the validity of customer risk evaluating result is veritified successfully.To
Complete customer risk test and appraisal, and this customer risk evaluating result be issued to each system of financial institution, financial institution it is each
When system subsequently has the demand tested and assessed to customer risk, this customer risk evaluating result issued can be used directly, avoid
The repetition customer risk assessment work of each system, improves business handling efficiency.
Step S60 exports carrying for customer risk test and appraisal failure if the validity of customer risk evaluating result veritifies failure
Show information.
Further, if being veritified to the validity of customer risk evaluating result by monitor video, client's wind is determined
There are when the interference of extraneous factor, then can determine that the validity of customer risk evaluating result is veritified to fail in dangerous assessment process.From
And the prompt message of customer risk test and appraisal failure is exported, prompt message can be text importing, picture is shown or the form of voice,
The reason of its content includes test and appraisal failure, if there are multiple personnel in assessment process, so that client knows survey according to prompt message
The reason of commenting unsuccessfully, customer risk test and appraisal are carried out again.
Further, Fig. 3 is please referred to, in customer risk assessment method first, second, third of the present invention or fourth embodiment
On the basis of, propose the 5th embodiment of customer risk assessment method of the present invention, it is in the 5th embodiment, described to receive client
When test and appraisal transmitted by account are asked, the step of the asking corresponding customer account information that obtain and test and assess includes before：
Step S70 jumps to display circle of customer risk test and appraisal when it is new registration account to detect customer account attribute
Face carries out customer risk test and appraisal to guide customer account to send test and appraisal request；
Further, this customer risk test and appraisal can be directed in financial institution's new registration account, and client passes through its new registration
Account Logon then jumps to customer risk to VTM systems when the customer account attribute for detecting that this is logged in is new registration account
The display interface of test and appraisal guides the customer account of this new registration to send test and appraisal request, carries out customer risk test and appraisal.
Alternatively, when it is not carry out the registered account of customer risk test and appraisal to detect customer account, output carries out client
The prompt message of risk test and appraisal operation.
Further, this customer risk test and appraisal can also be directed to the frequent customer in the registered account of financial institution, client
Pass through its Account Logon to VTM systems, when the customer account attribute for detecting that this is logged in is registered account, then further inspection
It surveys whether it has been carried out customer risk test and appraisal, if having carried out customer risk test and appraisal, is not processed.And it ought not yet carry out visitor
When the risk test and appraisal of family, then prompt message is exported, client is carried out to prompt this not yet to carry out the registered account of customer risk test and appraisal
Risk test and appraisal operation, this registered account then can carry out customer risk test and appraisal according to prompt message.
In addition, please referring to Fig. 4, the present invention provides a kind of customer risk assessment device, tests and assesses and fills in customer risk of the present invention
It sets in first embodiment, the customer risk assessment device includes：
Acquisition module 10, it is right with test and appraisal request institute for when receiving the test and appraisal request transmitted by customer account, obtaining
Answer customer account information；
Determining module 20, for asking corresponding customer account information according to test and appraisal, from default test and appraisal test item bank really
Fixed corresponding target test and appraisal examination question, to customer account information counterpart terminal output target test and appraisal examination question, to carry out customer risk survey
It comments；
Generation module 30 is answered for receiving customer account based on the test and appraisal transmitted by target test and appraisal examination question, and according to survey
Answer is commented to generate customer risk evaluating result.
Specifically, acquisition module 10 may include：
Prompting submodule, for when receiving the test and appraisal request transmitted by customer account, prompting input and customer account
Corresponding identity information is verified；
Matched sub-block, for when receiving identity information corresponding with customer account, by the identity information and visitor
Enrollment status information bound in the account of family is matched；
Acquisition submodule obtains after the enrollment status information matches success bound in identity information and customer account
It takes and the customer account information corresponding to identity information.
The customer risk assessment device of the present embodiment, when receiving the test and appraisal request transmitted by customer account, by obtaining
Modulus block 10 obtains and the corresponding customer account information of test and appraisal request；Then basis asks institute right to determining module 20 with test and appraisal are received
The customer account information answered determines corresponding target test and appraisal examination question from each default test and appraisal test item bank；And the target for determining this
Test question is exported to customer account information counterpart terminal, so that customer account carries out customer risk test and appraisal；Generation module 30 receives
Test and appraisal transmitted by target test and appraisal examination question of the customer account based on output are answered, and are answered according to this test and appraisal and are generated customer risk test and appraisal
As a result.This programme sends test and appraisal request by customer account counterpart terminal and carries out customer risk test and appraisal, avoids client in financial machine
Structure scene is tested and assessed, and the queue waiting time of client and personnel's input of financial institution are saved；In addition it is used for client's wind
The target test and appraisal examination question nearly tested and assessed is determined according to customer account information, and target test and appraisal examination question can be made more targeted, improve visitor
The accuracy of family risk evaluating result.
With reference to Fig. 5, Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
Customer risk of embodiment of the present invention test and appraisal equipment can be PC, can also be smart mobile phone, tablet computer, e-book
The terminal devices such as reader, pocket computer.
As shown in figure 5, customer risk test and appraisal equipment may include：Processor 1001, such as CPU, memory 1005 lead to
Believe bus 1002.Wherein, communication bus 1002 is for realizing the connection communication between processor 1001 and memory 1005.Storage
Device 1005 can be high-speed RAM memory, can also be stable memory (non-volatile memory), such as disk
Memory.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Optionally, customer risk test and appraisal equipment can also include user interface, network interface, camera, RF (Radio
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface may include display screen
(Display), input unit such as keyboard (Keyboard), optional user interface can also include wireline interface, the nothing of standard
Line interface.Network interface may include optionally standard wireline interface and wireless interface (such as WI-FI interface).
It will be understood by those skilled in the art that customer risk test and appraisal device structure shown in Fig. 5 is not constituted to client
The restriction of risk test and appraisal equipment may include either combining certain components or different than illustrating more or fewer components
Component is arranged.
As shown in figure 5, as may include that operating system, network are logical in a kind of memory 1005 of computer storage media
Believe module and customer risk test and appraisal program.Operating system is management and control customer risk test and appraisal device hardware and software resource
Program, support customer risk test and appraisal program and other softwares and/or program operation.Network communication module is for realizing depositing
Communication between each component in the inside of reservoir 1005, and test and assess with customer risk and communicated between other hardware and softwares in equipment.
In customer risk test and appraisal equipment shown in Fig. 5, processor 1001 is for executing the visitor stored in memory 1005
Family risk test and appraisal program, realizes the step in above-mentioned each embodiment of customer risk assessment method.
The present invention provides a kind of computer readable storage medium, the computer-readable recording medium storage there are one or
More than one program of person, the one or more programs can also be executed by one or more than one processor with
Step in the above-mentioned each embodiment of customer risk assessment method of realization.
It should also be noted that, herein, the terms "include", "comprise" or its any other variant are intended to non-
It is exclusive to include, so that process, method, article or device including a series of elements include not only those elements,
But also include other elements that are not explicitly listed, or further include solid by this process, method, article or device
Some elements.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including
There is also other identical elements in the process of the element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
The foregoing is merely the preferred embodiment of the present invention, are not intended to limit the scope of the invention, every at this
Under the design of invention, using equivalent structure transformation made by description of the invention and accompanying drawing content, or directly/it is used in it indirectly
His relevant technical field is included in the scope of patent protection of the present invention.
Claims (10)
1. a kind of customer risk assessment method, which is characterized in that the customer risk assessment method includes the following steps：
When receiving the test and appraisal request transmitted by customer account, obtain and the corresponding customer account information of test and appraisal request；
Corresponding customer account information is asked according to test and appraisal, corresponding target test and appraisal examination is determined from default test and appraisal test item bank
Topic, to customer account counterpart terminal output target test and appraisal examination question, to carry out customer risk test and appraisal；
It receives customer account to answer based on the test and appraisal transmitted by target test and appraisal examination question, and customer risk is generated according to test and appraisal answer and is surveyed
Comment result.
2. customer risk assessment method as described in claim 1, which is characterized in that the reception customer account is surveyed based on target
It comments the test and appraisal transmitted by examination question to answer, and answers the step of generating customer risk evaluating result according to test and appraisal and include：
When the test and appraisal of each problem are answered in receiving customer account to target test and appraisal examination question, determine in customer account information and each
Information corresponding to problem；
According to, with information corresponding to each problem, being matched to the test and appraisal of each problem answer in customer account information, generate matching
Grade is spent, and the scoring that each problem test and appraisal are answered is determined according to matching degree grade；
The scoring that each problem test and appraisal are answered in target test and appraisal examination question is integrated, the customer risk survey of target test and appraisal examination question is generated
Comment result.
3. customer risk assessment method as described in claim 1, which is characterized in that the reception customer account is surveyed based on target
It comments the test and appraisal transmitted by examination question to answer, and answers the step of generating customer risk evaluating result according to test and appraisal and include：
When the test and appraisal of each problem are answered in receiving customer account to target test and appraisal examination question, determine that institute is answered in the test and appraisal of each problem
Each single Reaction time expended；
The default Reaction time of each single Reaction time and correspondence problem is compared, determines the scoring that each problem test and appraisal are answered；
The scoring that each problem test and appraisal are answered in target test and appraisal examination question is integrated, the customer risk survey of target test and appraisal examination question is generated
Comment result.
4. customer risk assessment method as described in claim 1, which is characterized in that the basis asks corresponding visitor with test and appraisal
Family account information, the step of corresponding target test and appraisal examination question is determined from default test and appraisal test item bank include：
Determine the corresponding test and appraisal type of test and appraisal request, and from determined in default test and appraisal test item bank it is corresponding with type of testing and assessing it is each in
Between preset test and appraisal examination question；
Customer account information is matched one by one with each middle preset test and appraisal examination question, determines that customer account information is surveyed with each middle preset
The matched matching degree of examination question is commented, and target test and appraisal examination question is determined according to the matching degree.
5. customer risk assessment method according to any one of claims 1-4, which is characterized in that described to answer life according to test and appraisal
Include at after the step of customer risk evaluating result：
After answering generation evaluating result according to test and appraisal, monitor video captured in customer risk assessment process, and root are called
The validity of customer risk evaluating result is veritified according to monitor video；
If the validity of customer risk evaluating result is veritified successfully, customer risk test and appraisal are completed；
If the validity of customer risk evaluating result veritifies failure, the prompt message of customer risk test and appraisal failure is exported.
6. customer risk assessment method according to any one of claims 1-4, which is characterized in that described to receive customer account
When test and appraisal transmitted by family are asked, obtaining the step of asking corresponding customer account information with test and appraisal includes：
When receiving the test and appraisal request transmitted by customer account, input identity information corresponding with customer account is prompted to be tested
Card；
When receiving identity information corresponding with customer account, by the registration body bound in the identity information and customer account
Part information is matched；
After enrollment status information matches success bound in identity information and customer account, corresponding to acquisition and identity information
Customer account information.
7. customer risk assessment method as claimed in claim 6, which is characterized in that described to receive transmitted by customer account
Test and appraisal request when, the step of obtaining customer account information corresponding with test and appraisal request includes before：
When it is new registration account to detect customer account attribute, the display interface of customer risk test and appraisal is jumped to, to guide visitor
Family account sends test and appraisal request, carries out customer risk test and appraisal；
Alternatively, when it is not carry out the registered account of customer risk test and appraisal to detect customer account, output carries out customer risk
The prompt message of test and appraisal operation.
8. a kind of customer risk assessment device, which is characterized in that the customer risk assessment device includes：
Acquisition module, for when receiving the test and appraisal request transmitted by customer account, obtaining and the corresponding client of test and appraisal request
Account information；
Determining module is determined from default test and appraisal test item bank and is corresponded to for asking corresponding customer account information according to test and appraisal
Target test and assess examination question, to customer account information counterpart terminal output target test and assess examination question, to carry out customer risk test and appraisal；
Generation module is answered based on the test and appraisal transmitted by target test and appraisal examination question for receiving customer account, and is answered according to test and appraisal
Generate customer risk evaluating result.
The equipment 9. a kind of customer risk is tested and assessed, which is characterized in that the customer risk test and appraisal equipment includes：Memory, processor,
Communication bus and the customer risk test and appraisal program being stored on the memory；
The communication bus is for realizing the connection communication between processor and memory；
The processor is for executing the customer risk test and appraisal program, to realize as described in any one of claim 1-7
The step of customer risk assessment method.
10. a kind of computer readable storage medium, which is characterized in that the computer class is read to be stored with client's wind on storage medium
Danger test and appraisal program, the customer risk test and appraisal program are realized when being executed by processor as described in any one of claim 1-7
The step of customer risk assessment method.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810131910.1A CN108335198A (en) | 2018-02-07 | 2018-02-07 | Customer risk assessment method, device, equipment and computer readable storage medium |
| PCT/CN2018/082675 WO2019153486A1 (en) | 2018-02-07 | 2018-04-11 | Customer risk assessment method, apparatus and device, and computer-readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810131910.1A CN108335198A (en) | 2018-02-07 | 2018-02-07 | Customer risk assessment method, device, equipment and computer readable storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108335198A true CN108335198A (en) | 2018-07-27 |
Family
ID=62927436
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810131910.1A Pending CN108335198A (en) | 2018-02-07 | 2018-02-07 | Customer risk assessment method, device, equipment and computer readable storage medium |
Country Status (2)
| Country | Link |
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| CN (1) | CN108335198A (en) |
| WO (1) | WO2019153486A1 (en) |
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| CN110147998A (en) * | 2019-04-16 | 2019-08-20 | 深圳壹账通智能科技有限公司 | Client's networking processing method, device, computer equipment and storage medium |
| CN110189103A (en) * | 2019-05-29 | 2019-08-30 | 湖北消费金融股份有限公司 | Sign method and system in long-distance video face |
| CN110348006A (en) * | 2019-06-11 | 2019-10-18 | 平安科技（深圳）有限公司 | Generation method, device, computer equipment and its storage medium of problem information |
| CN110377505A (en) * | 2019-06-21 | 2019-10-25 | 深圳壹账通智能科技有限公司 | All standing test method, device, equipment and the storage medium of risk assessment option |
| CN111339859A (en) * | 2020-02-17 | 2020-06-26 | 出门问问信息科技有限公司 | Multi-modal risk control method and device and computer-readable storage medium |
| CN112381513A (en) * | 2020-11-13 | 2021-02-19 | 平安普惠企业管理有限公司 | Information approval method and device, electronic equipment and storage medium |
| CN112541738A (en) * | 2020-12-15 | 2021-03-23 | 平安科技（深圳）有限公司 | Examination and approval method, device, equipment and medium based on intelligent conversation technology |
| CN112541738B (en) * | 2020-12-15 | 2022-08-19 | 平安科技（深圳）有限公司 | Examination and approval method, device, equipment and medium based on intelligent conversation technology |
| CN113222482A (en) * | 2021-06-16 | 2021-08-06 | 中国银行股份有限公司 | Risk assessment method and device based on block chain |
| CN113450230A (en) * | 2021-07-12 | 2021-09-28 | 中国银行股份有限公司 | Financing risk assessment method and device, storage medium and electronic equipment |
| CN114372874A (en) * | 2022-01-12 | 2022-04-19 | 中国银行股份有限公司 | Loan amount calculation method and device |
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