The first is the data of the real-name registration system Registration System. After the fund applicant submits an application to the credit, the credit can submit the mobile phone number and identity information filled in by the applicant to the touchstone for verification. If the identity information of real-name registration system registered by the mobile phone number is consistent with the identity information filled in by the credit applicant, it can be used as a reference for lending; If it is inconsistent, there may be a risk of fraud and the credit will refuse to lend.
The second is geographic location data. After receiving the application for funds, you can give the credit to Touchstone to check the place where the applicant's mobile phone number is used and the work place that the applicant filled in during the application process. Just like the data in the real-name registration system, if they are consistent, the chances of lending will increase; if they are inconsistent, the credit will probably refuse to lend. Because credit generally does not have offices all over the country to verify this information, it is too expensive to check the location information yourself, which can reduce credit risk and save some operating costs.
The third is to combine the data of mobile operators and the data of credit mastery to jointly model and give credit ratings to fund applicants. If the fund applicant has no loan record, can't find the central bank's credit information, and the personal information provided, such as academic qualifications, is incomplete, the credit information can combine the information it has with the touchstone's mobile operator data, select variables, do data modeling, and decide whether to lend according to the rating of the data model.