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WO2017128393A1 - Procédé de fourniture de recommandation de prêt correspondant sur la base d'un montant de fonds de compte, et système d'indication de prêt - Google Patents

Procédé de fourniture de recommandation de prêt correspondant sur la base d'un montant de fonds de compte, et système d'indication de prêt Download PDF

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Publication number
WO2017128393A1
WO2017128393A1 PCT/CN2016/072963 CN2016072963W WO2017128393A1 WO 2017128393 A1 WO2017128393 A1 WO 2017128393A1 CN 2016072963 W CN2016072963 W CN 2016072963W WO 2017128393 A1 WO2017128393 A1 WO 2017128393A1
Authority
WO
WIPO (PCT)
Prior art keywords
account
user
loan
quota
financial institution
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/CN2016/072963
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English (en)
Chinese (zh)
Inventor
杨钰
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/CN2016/072963 priority Critical patent/WO2017128393A1/fr
Publication of WO2017128393A1 publication Critical patent/WO2017128393A1/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

Definitions

  • the invention belongs to the field of intelligent finance, and provides a loan recommendation method and a loan reminding system according to the account fund amount.
  • the invention enables the system to timely discover whether the user has sufficient funds for daily production and life.
  • loan business opportunities in a timely manner, improve user loan efficiency, achieve precise marketing, reduce the marketing costs of financial institutions, and improve the efficiency of capital use.
  • the embodiment of the invention provides a loan recommendation method and a loan prompting system according to the account fund quota, 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 user has sufficient funds. Carry out daily production and life, and then discover loan business opportunities in a timely manner, improve user loan efficiency, achieve precise marketing, reduce marketing costs of financial institutions, and improve capital use efficiency.
  • a method for matching a loan according to an account fund amount includes the following steps:
  • the embodiment of the invention further provides a loan prompting system, comprising:
  • a recording unit configured to record account asset amount information set by a financial institution and current account credit information of the user
  • a reading unit the input end is connected to the output end of the recording unit, and is configured to read account asset quota information set by the financial institution and current account credit information of the user;
  • a judging unit wherein the input end is connected to the output end of the reading unit, and is configured to determine whether the current account quota of the user is lower than a set account asset quota;
  • the control unit is connected to the output end of the judging unit, and if the current account quota is lower than the set account asset quota, issuing a message prompting the user to recommend the loan product.
  • the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use.
  • FIG. 1 is a schematic flowchart of a method for matching a loan according to an account fund quota according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a loan prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of a method for matching a loan according to an account fund quota 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 account asset quota information set by the financial institution and the current account credit amount information of the user are recorded.
  • step S102 the account asset quota information set by the financial institution and the current account credit amount information of the user are read;
  • step S103 it is determined whether the current account quota of the user is lower than the set account asset quota; if not, proceeding to step S104 It is considered that the user funds are sufficient for their own use, and no information is provided for prompting the user to recommend the loan product; through this setting, the user can be effectively screened, and users who do not need funds are excluded from the target of promotion, and the precision of the financial institution is realized. Marketing, in addition, can reduce harassment for users who do not have such demand, reduce marketing expenses, and increase marketing revenue; if so, enter the steps S105: Send a message prompting the user to recommend the loan product.
  • the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use.
  • FIG. 2 is a schematic structural diagram of a loan prompting system according to an embodiment of the present invention, where the loan 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 user;
  • 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 quota information of the user;
  • Judging unit 23 the input terminal and the reading unit 22 The output ends are connected to determine whether the current account quota of the user is lower than the set account asset amount;
  • Control unit 24 the input terminal and the judging unit 23 The output ends are connected, and if the current account quota is lower than the set account asset quota, a message prompting the user to recommend the loan product is issued.
  • 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 user; the reading unit 22 Reading the account asset quota information set by the financial institution and the current account credit amount information of the user; the determining unit 23 determines whether the current account quota of the user is lower than the set account asset quota; the control unit 24 When the current account quota is lower than the set account asset quota, a message prompting the user to make a loan product recommendation is issued.
  • the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Finance (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 fourniture de recommandation de prêt correspondant sur la base d'un montant de fonds de compte, et un système d'indication de prêt. Le procédé consiste à : enregistrer des informations de montant d'actifs de compte définies par une institution financière et des informations de montant de compte utilisateur courant (S101); lire les informations de montant d'actifs de compte définies par l'institution financière et les informations de montant de compte utilisateur courant (S102); déterminer si le montant de compte utilisateur courant est inférieur à un montant d'actifs de compte prédéfini (S103); si ce n'est pas le cas, déterminer que les fonds sont suffisants pour que l'utilisateur les utilise, et ne pas indiquer à l'utilisateur une recommandation pour un produit de prêt (S104); et si tel est le cas, fournir à l'utilisateur les informations de recommandation de produit de prêt (S105). Le procédé et le système concernent le domaine de la finance intelligente. En faisant correspondre le solde d'un compte utilisateur avec le solde d'un fonds de compte établi par une institution financière, le système peut déterminer si l'utilisateur possède des fonds suffisants pour une opération quotidienne et une production, ce qui permet d'identifier rapidement une opportunité de prêt, d'augmenter l'efficacité de provision de prêt de l'utilisateur, d'implémenter une commercialisation précise, de réduire les coûts de commercialisation d'une institution financière, et d'augmenter l'efficacité de rotation de fonds.
PCT/CN2016/072963 2016-01-30 2016-01-30 Procédé de fourniture de recommandation de prêt correspondant sur la base d'un montant de fonds de compte, et système d'indication de prêt Ceased WO2017128393A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072963 WO2017128393A1 (fr) 2016-01-30 2016-01-30 Procédé de fourniture de recommandation de prêt correspondant sur la base d'un montant de fonds de compte, et système d'indication de prêt

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072963 WO2017128393A1 (fr) 2016-01-30 2016-01-30 Procédé de fourniture de recommandation de prêt correspondant sur la base d'un montant de fonds de compte, et système d'indication de prêt

Publications (1)

Publication Number Publication Date
WO2017128393A1 true WO2017128393A1 (fr) 2017-08-03

Family

ID=59397265

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/072963 Ceased WO2017128393A1 (fr) 2016-01-30 2016-01-30 Procédé de fourniture de recommandation de prêt correspondant sur la base d'un montant de fonds de compte, et système d'indication de prêt

Country Status (1)

Country Link
WO (1) WO2017128393A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116523624A (zh) * 2023-04-27 2023-08-01 深圳乐信软件技术有限公司 资金路由方法、系统、计算机设备及存储介质

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060173772A1 (en) * 2005-02-02 2006-08-03 Hayes John B Systems and methods for automated processing, handling, and facilitating a trade credit transaction
CN101512592A (zh) * 2006-10-27 2009-08-19 颇帕斯知识产权管理Ⅱ公司 基于位置的信用贷款
CN103236022A (zh) * 2013-04-26 2013-08-07 孔庆发 基于网上交易的网上信贷方法及其数据处理系统
CN103295156A (zh) * 2013-01-17 2013-09-11 厦门蓝象网络科技有限公司 一种网络借贷平台
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

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060173772A1 (en) * 2005-02-02 2006-08-03 Hayes John B Systems and methods for automated processing, handling, and facilitating a trade credit transaction
CN101512592A (zh) * 2006-10-27 2009-08-19 颇帕斯知识产权管理Ⅱ公司 基于位置的信用贷款
CN103295156A (zh) * 2013-01-17 2013-09-11 厦门蓝象网络科技有限公司 一种网络借贷平台
CN103236022A (zh) * 2013-04-26 2013-08-07 孔庆发 基于网上交易的网上信贷方法及其数据处理系统
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

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116523624A (zh) * 2023-04-27 2023-08-01 深圳乐信软件技术有限公司 资金路由方法、系统、计算机设备及存储介质

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