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WO2017128375A1 - Procédé d'acquisition de données pendant une recommandation de ressources de prêt, et système intelligent de recommandation et d'invite - Google Patents

Procédé d'acquisition de données pendant une recommandation de ressources de prêt, et système intelligent de recommandation et d'invite Download PDF

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Publication number
WO2017128375A1
WO2017128375A1 PCT/CN2016/072942 CN2016072942W WO2017128375A1 WO 2017128375 A1 WO2017128375 A1 WO 2017128375A1 CN 2016072942 W CN2016072942 W CN 2016072942W WO 2017128375 A1 WO2017128375 A1 WO 2017128375A1
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WO
WIPO (PCT)
Prior art keywords
customer
lending
bank
credit
unit
Prior art date
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Ceased
Application number
PCT/CN2016/072942
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English (en)
Chinese (zh)
Inventor
何兰
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Individual
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Individual
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Priority to PCT/CN2016/072942 priority Critical patent/WO2017128375A1/fr
Publication of WO2017128375A1 publication Critical patent/WO2017128375A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • 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 data collection method and an intelligent recommendation prompting system for recommending lending resources.
  • the number of invention patents applied by OPPO in 2014 was 938, while the number of invention patents of Tencent in the same period was 1,447.
  • the inventions of the two companies about 80% of the total number of invention patents related to user experience and direct user operations.
  • similar patent applications, including other companies based on user experience are also of a large order of magnitude, such as Huawei.
  • the patent application process and the post-authorization maintenance process will generate human and financial costs: such as replying to review opinions, paying license fees, etc., for core technologies (such as CDMA underlying technology) or market identification.
  • core technologies such as CDMA underlying technology
  • market identification For relatively high-tech technologies (such as sliding unlocking), the related costs are negligible, and the investment in these technologies is worthwhile, but such technologies are a minority after all, and more technologies have been verified by the market. The user's pain points or itch points cannot be touched, and the patent investment in these technologies is likely to cause cost waste.
  • the embodiment of the invention provides a data collection method for recommending lending resources and an intelligent recommendation prompting system, which 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 client has sufficient funds.
  • the present invention is implemented as follows: a method for collecting data recommended by 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 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 exceeded, it is considered that the customer is not suitable for lending, and recommend other high-risk lending resources to the client;
  • the data sending unit has an input end connected to the output end of the regulating unit, and is configured to send the technical use data to the data collecting end preset by the manufacturer.
  • 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, at the same time, through the use of timely feedback after the use of technology, it is also convenient for manufacturers to collect relevant technology in a timely and effective manner.
  • FIG. 1 is a schematic flowchart of a data collection method for recommending a loan resource 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 data collection method recommended by the embodiment of the present invention. For 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. , issuing a message indicating that the customer can be loaned; if it is exceeded, it is deemed that the customer is not suitable to lend again, and proceeds to step S10, 5 And recommend other high-risk lending resources to customers, and send technical usage data to the data collection end preset by the manufacturer.
  • the technology uses data for the user to use the data of the technology, that is, the data generated when the method completes the first few steps, the data includes the number of times the user uses the technology (eg, the first time using the technology within a certain period of time) Technology); the specific time point of using the technology; the user's related operations before and after using the technology can help the technology provider to better evaluate the market value of the technology, and better improve the technical data according to the feedback.
  • 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, at the same time, through the use of timely feedback after the use of technology, it is also convenient for manufacturers to collect relevant technology in a timely and effective manner.
  • 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, the reading unit 22, the judging unit 23, the regulating unit 24, and the data transmitting unit 25 among them
  • 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 it and recommend other high-risk lending resources to customers;
  • Data transmitting unit 25 its input terminal and regulating unit 24
  • the output connection is used to send technical usage data to the data acquisition terminal preset by the manufacturer.
  • 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 current loan demand of the customer does not exceed the credit limit set by the organization, the information indicating that the customer can lend the loan is issued; when it exceeds, the other high-risk preference lending resources are recommended to the customer, and the data sending unit 25 Send technical usage data to the data acquisition terminal preset by the manufacturer.
  • 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, at the same time, through the use of timely feedback after the use of technology, it is also convenient for manufacturers to collect relevant technology in a timely and effective manner.

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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

La présente invention concerne le domaine de la finance intelligente, et concerne un procédé d'acquisition de données pendant une recommandation de ressources de prêt, et un système intelligent de recommandation et d'invite. 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 ce 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 tel est le cas, déterminer qu'il n'est pas approprié de prêter au client, recommander d'autres ressources de prêt de préférence de risque élevé au client, et envoyer des données d'utilisation de technologie à un terminal d'acquisition de données prédéfini par le fabricant. L'invention peut diminuer les risques d'une banque et améliorer les services financiers ; en outre, au moyen d'une rétroaction rapide après l'utilisation de la technologie, le fabricant peut également acquérir commodément et efficacement des informations d'utilisation de la technologie connexe dans le temps.
PCT/CN2016/072942 2016-01-30 2016-01-30 Procédé d'acquisition de données pendant une recommandation de ressources de prêt, et système intelligent de recommandation et d'invite Ceased WO2017128375A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072942 WO2017128375A1 (fr) 2016-01-30 2016-01-30 Procédé d'acquisition de données pendant une recommandation de ressources de prêt, et système intelligent de recommandation et d'invite

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072942 WO2017128375A1 (fr) 2016-01-30 2016-01-30 Procédé d'acquisition de données pendant une recommandation de ressources de prêt, et système intelligent de recommandation et d'invite

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WO2017128375A1 true WO2017128375A1 (fr) 2017-08-03

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109064310A (zh) * 2018-07-06 2018-12-21 美利车（北京）网络技术有限公司 一种资源获取方法及装置
CN111199493A (zh) * 2018-11-19 2020-05-26 国家电网有限公司客户服务中心 一种基于客户缴费信息及征信信息的欠费风险识别方法
CN113929925A (zh) * 2020-07-13 2022-01-14 中国石油化工股份有限公司 一种自组装纳米粒子复合材料及其制备方法和应用

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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
CN109064310A (zh) * 2018-07-06 2018-12-21 美利车（北京）网络技术有限公司 一种资源获取方法及装置
CN111199493A (zh) * 2018-11-19 2020-05-26 国家电网有限公司客户服务中心 一种基于客户缴费信息及征信信息的欠费风险识别方法
CN113929925A (zh) * 2020-07-13 2022-01-14 中国石油化工股份有限公司 一种自组装纳米粒子复合材料及其制备方法和应用
CN113929925B (zh) * 2020-07-13 2023-08-15 中国石油化工股份有限公司 一种自组装纳米粒子复合材料及其制备方法和应用

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