[go: up one dir, main page]

WO2017128374A1 - Procédé de recommandation sur la base du résultat de mise en correspondance de ligne de crédit d'un client, et système d'invite et de recommandation intelligent - Google Patents

Procédé de recommandation sur la base du résultat de mise en correspondance de ligne de crédit d'un client, et système d'invite et de recommandation intelligent Download PDF

Info

Publication number
WO2017128374A1
WO2017128374A1 PCT/CN2016/072941 CN2016072941W WO2017128374A1 WO 2017128374 A1 WO2017128374 A1 WO 2017128374A1 CN 2016072941 W CN2016072941 W CN 2016072941W WO 2017128374 A1 WO2017128374 A1 WO 2017128374A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
bank
credit
lending
loan demand
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/CN2016/072941
Other languages
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/CN2016/072941 priority Critical patent/WO2017128374A1/fr
Publication of WO2017128374A1 publication Critical patent/WO2017128374A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

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 a matching recommendation method and an intelligent recommendation prompting system according to the credit line of the customer.
  • the system can timely distinguish whether the customer belongs to the bank service, not to the bank.
  • the client When the client is serving, he or she will be recommended to other financial institutions in a timely manner. While helping customers meet their financing needs, they will improve the level of peer-to-peer cooperation, obtain service charges for referral customers in other financial institutions, and realize diversified operations of banks. Increase the proportion of income from intermediary business, reduce bank operation risks, and improve financial service levels.
  • the embodiment of the invention provides a matching recommendation method and an intelligent recommendation prompting system according to the credit line of the customer, which can match the balance of the account of the user account with the balance of the account fund 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 marketing costs of financial institutions, and improve capital use efficiency.
  • the present invention is implemented in such a way that a matching method is selected according to a customer credit line, including 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 an intelligent 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;
  • 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 Financial service level.
  • FIG. 1 is a schematic flowchart of a method for matching a recommendation according to a credit line of a customer according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of an intelligent recommendation prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of a matching recommendation method according to a customer credit line 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 the judgment, whether the current loan demand of the customer exceeds the credit limit set by the institution; if the current loan demand of the customer does not exceed the credit line set by the institution, the customer is deemed to meet the loan conditions of the bank, and the process proceeds to step S104.
  • the information indicating that the customer can be loaned is issued; if it is exceeded, it is deemed that the customer is not suitable for lending again, and steps S10 and 5 are entered, and other high-risk preference lending resources are recommended 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 Financial service level.
  • FIG. 2 is a schematic structural diagram of an intelligent recommendation prompting system according to an embodiment of the present invention, where the smart recommendation 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
  • 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 them 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 Reading the account asset quota information set by the financial institution and the current account credit amount information of the customer; the determining unit 23 determines whether the current loan demand of the client exceeds the credit limit set by the institution; the 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 Financial service level.

Landscapes

  • 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

La présente invention concerne le domaine de financement intelligent, et concerne un procédé de recommandation sur la base d'un résultat de mise en correspondance de ligne de crédit d'un client, et un système d'invite et de recommandation intelligent. Le procédé consiste à : enregistrer la ligne de crédit et les informations de demande de prêt en cours d'un client dans une banque ; déterminer si la demande de prêt en cours du client dépasse la ligne de crédit établie pour le client par une institution ; si tel n'est pas le cas, déterminer que les conditions de prêt de la banque au client sont satisfaites, et fournir des informations d'invite de prêt au client ; et si c'est le cas, déterminer qu'il n'est pas approprié de prêter au client, et recommander d'autres ressources de prêt de préférence de risque élevé au client. La présente invention permet d'améliorer une coopération entre banques tout en satisfaisant aux exigences de financement d'un client, de facturer entre d'autres institutions financières pour des services recommandés au client, de mettre en place une opération diversifiée d'une banque, d'améliorer le rapport de recettes de services intermédiaires, de réduire les risques de la banque et d'améliorer le niveau de services financiers.
PCT/CN2016/072941 2016-01-30 2016-01-30 Procédé de recommandation sur la base du résultat de mise en correspondance de ligne de crédit d'un client, et système d'invite et de recommandation intelligent Ceased WO2017128374A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072941 WO2017128374A1 (fr) 2016-01-30 2016-01-30 Procédé de recommandation sur la base du résultat de mise en correspondance de ligne de crédit d'un client, et système d'invite et de recommandation intelligent

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072941 WO2017128374A1 (fr) 2016-01-30 2016-01-30 Procédé de recommandation sur la base du résultat de mise en correspondance de ligne de crédit d'un client, et système d'invite et de recommandation intelligent

Publications (1)

Publication Number Publication Date
WO2017128374A1 true WO2017128374A1 (fr) 2017-08-03

Family

ID=59397210

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/072941 Ceased WO2017128374A1 (fr) 2016-01-30 2016-01-30 Procédé de recommandation sur la base du résultat de mise en correspondance de ligne de crédit d'un client, et système d'invite et de recommandation intelligent

Country Status (1)

Country Link
WO (1) WO2017128374A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109727113A (zh) * 2018-02-12 2019-05-07 平安普惠企业管理有限公司 资金池的充值管理方法、装置、设备和计算机存储介质
CN111260463A (zh) * 2020-01-16 2020-06-09 北京理房通支付科技有限公司 一种资金监管银行的选择方法及装置

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 (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109727113A (zh) * 2018-02-12 2019-05-07 平安普惠企业管理有限公司 资金池的充值管理方法、装置、设备和计算机存储介质
CN109727113B (zh) * 2018-02-12 2024-02-13 重庆柯利弗文化传媒有限公司 资金池的充值管理方法、装置、设备和计算机存储介质
CN111260463A (zh) * 2020-01-16 2020-06-09 北京理房通支付科技有限公司 一种资金监管银行的选择方法及装置
CN111260463B (zh) * 2020-01-16 2023-11-17 北京理房通支付科技有限公司 一种资金监管银行的选择方法及装置

Similar Documents

Publication Publication Date Title
Mishra et al. Application of blockchain in dealing with sustainability issues and challenges of financial sector
Chant Dangerous equations? How female‐headed households became the poorest of the poor: Causes, consequences and cautions
Takyi et al. Matrilineal family ties and marital dissolution in Ghana
Hu et al. Can investors on P2P lending platforms identify default risk?
Datta Transforming South–North relations? International migration and development
WO2017128374A1 (fr) Procédé de recommandation sur la base du résultat de mise en correspondance de ligne de crédit d'un client, et système d'invite et de recommandation intelligent
Gutierrez Mediated remittances: transnational economic contributions from second‐generation Filipino Americans
Wallace et al. Homelessness and financial exclusion: A literature review
Aidukaite et al. Lithuanian welfare system in times of recent crisis
Wang et al. Effects of social relations on family’s participation in commercial insurance—based on the perspective of strong and weak relations
WO2017128375A1 (fr) Procédé d'acquisition de données pendant une recommandation de ressources de prêt, et système intelligent de recommandation et d'invite
WO2017128392A1 (fr) Procédé de transfert d'informations lors d'une mise en correspondance d'un montant de prêt avec un montant de fonds, et système d'indication de prêt
WO2017128373A1 (fr) Procédé de suggestion d'information pendant la mise en correspondance de ressources de prêt, et système de recommandation et de suggestion
WO2017128393A1 (fr) Procédé de fourniture de recommandation de prêt correspondant sur la base d'un montant de fonds de compte, et système d'indication de prêt
Gupta et al. Costly tax enforcement and financial repression
WO2017128396A1 (fr) Procédé de gestion d'actifs sur la base d'un montant de fonds de compte, et système de notification d'investissement intelligent
Ma et al. Precarious employment, pension participation, and retirement deferment in China
Abbassi et al. Asymmetric Information at the Platform Level: The Case of Peer-To-Peer Lending
Sala The Japanese consumer finance market and its institutional changes since the 1980s
Zhao Analysis on the development direction of internet finance in rural China
Xiaoshu Research Status and Trend of Family Finance-Based on Visual Analysis of Journal Papers from CNKI and WOS
Yeboua Twin deficits phenomenon in the West African economic and monetary union countries: panel data analysis
Singh Connecting financial inclusion and ICTs to Women’s Empowerment
Dunga Unlocking Financial Inclusion in Malawi: A Comprehensive Socio-Economic Analysis
Xia A Study on Evolution Game of Accounts Receivable Pledge Financing in Supply Chain Finance Model

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 16887258

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205N DATED 16/01/2019)

122 Ep: pct application non-entry in european phase

Ref document number: 16887258

Country of ref document: EP

Kind code of ref document: A1