Shulou(Shulou.com)05/31 Report--

What this article shares with you is about how to use the IP address to carry out financial anti-fraud. The editor thinks it is very practical, so I share it with you. I hope you can get something after reading this article.

In the traditional credit risk, fraud is a major risk factor. In some P2P network lending companies, the losses caused by malicious fraud account for 60% of the total bad debts. In addition, in terms of business fraud, the use of the underground industry to gain benefits also makes them lose a number of loyal customers.

For the problem of bad debts, it is often caused by the lack of risk control work, so the establishment of a risk control model supported by multi-dimensional data has become the best "weapon" to solve this problem. However, what we are going to talk about today is an indispensable part of this model: IP address verification, which also includes geographical location and real person verification.

Banks and financial platforms can use IP to ask and check the location of the user's IP address. Since IP asks about the most accurate range of location results to the street level, the bank or P2P network lending platform can rest assured to check whether the geographical location of the IP is consistent with the home address or company address provided by the user on the platform.

Then there is the verification of the human degree, and the IP application scenario technology also plays a role at this time. IP application scenario divides IP addresses into 17 different scenarios, including residential users, enterprise private lines, school units, data centers, and so on. If the IP address used by a user is found to be a data center, then there is reason to suspect that it is not being used by a real person, which is also a favorable basis for judging whether a user is at risk of fraud.

There are not few cases in which these two technologies are also tried out in the anti-fraud aspect of financial business. A financial company in Shanghai has launched a discount activity for users in first-tier cities. By using IP query and IP application scenarios, they conduct unified verification based on the geographical location of the user's IP and the location information submitted by the user, and at the same time verify the user's real person degree with the IP application scenario. Through a comprehensive analysis of the risk degree of visiting users, reduce the black industry to use machine flow arbitrage, so as to reduce their own losses.

Accurate customer IP address location and real person verification work can make the risk control model more perfect, take the "first step" of financial anti-fraud, contain it at the source, and better safeguard the interests of the enterprise.

The above is how to use the IP address to carry out financial anti-fraud, the editor believes that there are some knowledge points that we may see or use in our daily work. I hope you can learn more from this article. For more details, please follow the industry information channel.

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