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WO2017128373A1 - Procédé de suggestion d'information pendant la mise en correspondance de ressources de prêt, et système de recommandation et de suggestion - Google Patents

Procédé de suggestion d'information pendant la mise en correspondance de ressources de prêt, et système de recommandation et de suggestion Download PDF

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Publication number
WO2017128373A1
WO2017128373A1 PCT/CN2016/072940 CN2016072940W WO2017128373A1 WO 2017128373 A1 WO2017128373 A1 WO 2017128373A1 CN 2016072940 W CN2016072940 W CN 2016072940W WO 2017128373 A1 WO2017128373 A1 WO 2017128373A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
information
bank
lending
unit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2016/072940
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English (en)
Chinese (zh)
Inventor
何兰
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to PCT/CN2016/072940 priority Critical patent/WO2017128373A1/fr
Publication of WO2017128373A1 publication Critical patent/WO2017128373A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the invention belongs to the field of intelligent finance, and provides an information prompting method and a recommendation prompting system when matching loaning resources.
  • the embodiment of the invention provides an information prompting method and a recommendation prompting system when matching the lending resources, and can match the fund balance of the user account with the account fund balance set by the financial institution, so that the system can timely find out whether the customer has sufficient funds. Carry out daily production and life, and then discover loan business opportunities in a timely manner, improve customer loan efficiency, achieve precise marketing, reduce financial institution marketing costs, and improve capital use efficiency. And by using the technology to push the patent information, the patent (application) right holder's rights are highlighted.
  • the present invention is implemented as follows: a method for prompting information when matching a lending resource, comprising the following steps:
  • the customer is deemed to be in compliance with the bank's lending conditions, and a message is issued to prompt the customer to lend;
  • the embodiment of the invention further provides a recommendation prompting system, including:
  • a recording unit for recording account asset amount information set by a financial institution and current account credit information of the customer
  • a reading unit the input end is connected to the output end of the recording unit, and is configured to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
  • the input end is connected to the output end of the reading unit, and is configured to determine whether the current loan demand of the customer exceeds a credit limit set by the organization;
  • An information pushing unit the input end is connected to the output end of the determining unit, and is used for pushing patent information to the user;
  • the control unit is connected to the output end of the judging unit. If the current loan demand of the customer does not exceed the credit limit set by the organization, the customer is deemed to be in compliance with the lending conditions of the bank, and the information indicating that the customer can lend to the customer is issued. If it is exceeded, it is considered that the customer is not suitable to lend to it, and recommend other high-risk lending resources to the client.
  • the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
  • FIG. 1 is a schematic flowchart of a method for prompting information when a lending resource is provided according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a recommendation prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of an information prompting method for matching a lending resource provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
  • step S101 the credit line of the bank to the customer and the current loan demand information of the customer are recorded.
  • step S102 the credit line of the bank to the customer and the current loan demand information of the customer are read.
  • step S103 In judging whether the customer's current loan demand exceeds the credit limit set by the organization and pushing the patent information to the user; if the customer's current loan demand does not exceed the credit line set by the organization, the customer is deemed to be in compliance with the bank's lending conditions. , enter the steps S104, issuing a message indicating that the customer can be loaned; if it is exceeded, the customer is deemed not to be suitable for lending again, and proceeds to steps S10 and 5, and recommends other high-risk preference lending resources to the customer.
  • the patent information includes, but is not limited to, the state of patent application of the technology, the patent application of the technology / Information on the right holder, the patent application number of the technology, the patent application date, and the like.
  • the patent information is editable, and can be dynamically pushed to the user according to the authorization of the patent application: the patent is being applied for, the patent authorization has been obtained, and the like.
  • the patent information is editable and can be based on patent application rights / The transfer of patent rights, dynamically pushed to the user: the current relevant rights holder of the patent.
  • the pushing manner of the patent information may adopt a small frame display, a voice display, and the like, so that the user can perceive the push mode.
  • the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
  • FIG. 2 is a schematic structural diagram of a recommendation prompting system according to an embodiment of the present invention, where the recommended prompting system includes:
  • the recording unit 21 is configured to record account asset quota information set by the financial institution and current account credit information of the customer;
  • Reading unit 22 the input terminal and the recording unit 21 The output ends are connected to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
  • Judging unit 23 the input terminal and the reading unit 22
  • the output terminals are connected to determine whether the customer's current loan demand exceeds the credit limit set by the organization
  • the information pushing unit 25 is connected to the output end of the determining unit 23 for pushing the patent information to the user;
  • Control unit 24 the input terminal and the judging unit 23
  • the output of the customer is connected. If the current loan demand of the customer does not exceed the credit line set by the organization, it is deemed that the customer meets the loan conditions of the bank, and the information indicating that the customer can lend the loan is issued; if it exceeds, the customer is deemed unsuitable. Loan it and recommend other high-risk lending resources to customers;
  • the working principle is: the recording unit 21 records the account asset quota information set by the financial institution and the current account quota information of the customer; the reading unit 22 The account asset quota information set by the financial institution and the current account credit amount information of the customer are read; the determining unit 23 determines whether the current loan demand of the client exceeds the credit limit set by the institution, and the information pushing unit 25 Pushing patent information to users; control unit 24 When the customer's current loan demand does not exceed the credit line set by the organization, the company will issue a message indicating that the customer can lend the loan; when it exceeds, and recommend other high-risk preference lending resources to the customer.
  • the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de suggestion d'information pendant la mise en correspondance de ressources de prêt, et un système de recommandation et de suggestion, concernant le domaine des services financiers intelligents. Le procédé consiste à : enregistrer la ligne de crédit d'un client dans une banque, et les informations de demandes de prêt en cours du client (S101); lire la ligne de crédit du client dans la banque et les informations de demandes de prêt en cours du client (S102); déterminer si les demandes de prêt en cours du client dépassent la ligne de crédit du client établie par la banque, et pousser des informations de brevet au client (S103); si non, déterminer que le client remplit les conditions de prêt de la banque et envoyer des informations de suggestion permettant de prêter à un utilisateur (S104); et si oui, déterminer que le client ne satisfait pas les conditions de prêt de la banque et recommander d'autres ressources de prêt au client avec des préférences présentant un risque supérieur (S105). Le procédé permet d'obtenir une opération diversifiée d'une banque, d'augmenter ses recettes d'affaires intermédiaires, de réduire les risques de fonctionnement de la banque et d'améliorer son niveau de services financiers. De plus, en poussant des informations de brevet après l'utilisation de la technologie, les droits du titulaire du brevet (déposant) peuvent être démontrés.
PCT/CN2016/072940 2016-01-30 2016-01-30 Procédé de suggestion d'information pendant la mise en correspondance de ressources de prêt, et système de recommandation et de suggestion Ceased WO2017128373A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072940 WO2017128373A1 (fr) 2016-01-30 2016-01-30 Procédé de suggestion d'information pendant la mise en correspondance de ressources de prêt, et système de recommandation et de suggestion

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072940 WO2017128373A1 (fr) 2016-01-30 2016-01-30 Procédé de suggestion d'information pendant la mise en correspondance de ressources de prêt, et système de recommandation et de suggestion

Publications (1)

Publication Number Publication Date
WO2017128373A1 true WO2017128373A1 (fr) 2017-08-03

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/072940 Ceased WO2017128373A1 (fr) 2016-01-30 2016-01-30 Procédé de suggestion d'information pendant la mise en correspondance de ressources de prêt, et système de recommandation et de suggestion

Country Status (1)

Country Link
WO (1) WO2017128373A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108805694A (zh) * 2018-05-24 2018-11-13 平安普惠企业管理有限公司 信贷咨询服务方法、装置、设备及计算机可读存储介质

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101567071A (zh) * 2008-04-21 2009-10-28 阿里巴巴集团控股有限公司 一种网上交易系统和银行系统的数据交互处理方法及装置
CN102693508A (zh) * 2012-05-11 2012-09-26 杭州商友全球网信息技术有限公司 一种用于银行申贷管理的数据处理方法
US20130138552A1 (en) * 2011-11-28 2013-05-30 Rawllin International Inc. Unified charging and credit system
CN103782318A (zh) * 2011-05-18 2014-05-07 信用公司 用于产生信贷反馈环的系统和方法
CN103942717A (zh) * 2014-04-03 2014-07-23 中企永联数据交换技术（北京）有限公司 互联网金融放贷风险定量评估与在线监控的系统及方法
CN104361463A (zh) * 2014-11-21 2015-02-18 上海财安金融服务股份有限公司 一种中小企业网络融资系统和方法
CN105260934A (zh) * 2015-11-11 2016-01-20 中国建设银行股份有限公司 一种信用额度的计算方法和系统

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101567071A (zh) * 2008-04-21 2009-10-28 阿里巴巴集团控股有限公司 一种网上交易系统和银行系统的数据交互处理方法及装置
CN103782318A (zh) * 2011-05-18 2014-05-07 信用公司 用于产生信贷反馈环的系统和方法
US20130138552A1 (en) * 2011-11-28 2013-05-30 Rawllin International Inc. Unified charging and credit system
CN102693508A (zh) * 2012-05-11 2012-09-26 杭州商友全球网信息技术有限公司 一种用于银行申贷管理的数据处理方法
CN103942717A (zh) * 2014-04-03 2014-07-23 中企永联数据交换技术（北京）有限公司 互联网金融放贷风险定量评估与在线监控的系统及方法
CN104361463A (zh) * 2014-11-21 2015-02-18 上海财安金融服务股份有限公司 一种中小企业网络融资系统和方法
CN105260934A (zh) * 2015-11-11 2016-01-20 中国建设银行股份有限公司 一种信用额度的计算方法和系统

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108805694A (zh) * 2018-05-24 2018-11-13 平安普惠企业管理有限公司 信贷咨询服务方法、装置、设备及计算机可读存储介质
CN108805694B (zh) * 2018-05-24 2023-11-17 广州金翰网络科技有限公司 信贷咨询服务方法、装置、设备及计算机可读存储介质

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