风险评估、信用评估

通过身份证和姓名信息，查询用户风险指数。适用于特殊场景的风险人员排查；通过身份证，查询用户在银联体系内的交易、转账、消费、评分等信息，适用于营销圈人，或贷前/贷中/贷后、反欺诈、信用评估等；通过身份信息，在多方互金持牌公司构造特征字典，应用联邦模型输出个人风险评估，适用于综合信用评估、定额、提额等

Query user risk index using ID card and full name information, which is applicable to risk personnel screening in special scenarios; Query user transaction, transfer, consumption, credit scoring and other information within the UnionPay system via ID card, which is suitable for marketing audience targeting, pre-loan, in-loan, post-loan, anti-fraud, credit assessment and other scenarios; Construct feature dictionaries across multiple licensed internet financial institutions with identity information, and apply federated models to output individual risk assessments, applicable to comprehensive credit assessment, quota setting, credit limit increase and other use cases.