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WO2017128393A1 - 根据账户资金额度匹配贷款推荐方法及贷款提示系统 - Google Patents

根据账户资金额度匹配贷款推荐方法及贷款提示系统 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
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account
user
loan
quota
financial institution
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French (fr)
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杨钰
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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

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

一种根据账户资金额度匹配贷款推荐方法及贷款提示系统，所述方法包括：记录金融机构设定的账户资产额度信息和用户当前账户额度信息（S101）；读取金融机构设定的账户资产额度信息和用户当前账户额度信息（S102）；判断用户当前账户额度是否低于设定的账户资产额度（S103）；若否，视为用户资金足够自身使用，不发出提示对用户进行贷款产品推荐的信息（S104）；若是，发出提示对用户进行贷款产品推荐的信息（S105）。所述方法及系统属于智能金融领域，通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率。

Description

根据账户资金额度匹配贷款推荐方法及贷款提示系统 技术领域
本发明属于智能金融 领域 ，提供了一种根据账户资金额度匹配贷款推荐方法及贷款提示系统。
背景技术
伴随着人们生活水平的提高，对于资金的使用也更加大胆和灵活，原先是“先积累再消费”的生活理念逐渐发生改变，人们开始学会理财，关注如何使用资金做好投资，做好经营，更好的享受生活，但是现在经济下行期，各行各业收入逐渐减少，经常捉襟见肘，为了保证有足够的资金进行投资运作、经营，或更好的享受生活，提高生活品质，可以适当进行消费借贷或投资借贷，但是因为金融机构服务不到位，经常是用户在出现资金周转困难的情况下，要主动去找银行等金融机构去申请贷款，而且还要查询不同的贷款利率，额度，期限，不仅非常繁琐，而且浪费时间。
从银行的角度看，现在经济下行期，原本各家银行都将用户营销的重点放在央企、国企、地方龙头企业等用户身上，但是伴随着金融市场体系的逐渐完善，多层次资本市场的逐渐健全，同业竞争之间日趋激烈，为实现差异化竞争，各家银行开始下沉业务重心，大力发展小微企业和零售用户，这些用户群体量大，需求各异，且资金使用点各不相同，单独跟踪并进行针对性营销压力较大，成本很高。
综上，需要对既有金融服务系统进行适当的改造，该发明通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率。
 技术问题
本发明实施例提供了一种根据账户资金额度匹配贷款推荐方法及贷款提示系统，能够通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率。
技术解决方案
本发明是这样实现的：一种根据账户资金额度匹配贷款推荐方法，包括以下步骤：
记录金融机构设定的账户资产额度信息和用户当前账户额度信息；
读取金融机构设定的账户资产额度信息和用户当前账户额度信息；
判断用户当前账户额度是否低于设定的账户资产额度；
若否，视为用户资金足够自身使用，不发出提示对用户进行贷款产品推荐的信息；
若是，发出提示对用户进行贷款产品推荐的信息。
本发明实施例还提供了一种贷款提示系统，包括：
记录单元，用于记录金融机构设定的账户资产额度信息和用户当前账户额度信息；
读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和用户当前账户额度信息；
判断单元，该输入端与读取单元的输出端相连接，用于判断用户当前账户额度是否低于设定的账户资产额度；
调控单元，该输入端与判断单元的输出端相连接，若当前账户额度低于设定的账户资产额度时，发出提示对用户进行贷款产品推荐的信息。
 有益效果
该发明通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率。
附图说明
图 1 是本发明实施例提供的一种根据账户资金额度匹配贷款推荐方法 的流程示意图 ；
图 2 是本发明实施例提供的贷款提示系统的结构示意图。
 本发明的实施方式
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
图 1 是发明实施例提供的一种根据账户资金额度匹配贷款推荐方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。
在步骤 S101 中，记录金融机构设定的账户资产额度信息和用户当前账户额度信息。
在步骤 S102 中，读取金融机构设定的账户资产额度信息和用户当前账户额度信息；
在步骤 S103 中，判断用户当前账户额度是否低于设定的账户资产额度；若否，进入步骤 S104 ，视为用户资金足够自身使用，不发出提示对用户进行贷款产品推荐的信息；通过这一设置，可以有效的筛选用户，将不需要资金的用户排除在推介对象之外，实现金融机构的精准营销，此外，还可以减少对没有此类需求用户的骚扰，降低营销费用，提高营销收益；若是，进入步骤 S105 ，发出提示对用户进行贷款产品推荐的信息。
该发明通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率。
图 2 是本发明实施例提供的一种贷款提示系统的结构示意图，该贷款提示系统包括：
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，其中
记录单元 21 ，用于记录金融机构设定的账户资产额度信息和用户当前账户额度信息；
读取单元 22 ，该输入端与记录单元 21 的输出端相连接，用于读取金融机构设定的账户资产额度信息和用户当前账户额度信息；
判断单元 23 ，该输入端与读取单元 22 的输出端相连接，用于判断用户当前账户额度是否低于设定的账户资产额度；
调控单元 24 ，该输入端与判断单元 23 的输出端相连接，若当前账户额度低于设定的账户资产额度时，发出提示对用户进行贷款产品推荐的信息。
其工作原理是：记录单元 21 记录金融机构设定的账户资产额度信息和用户当前账户额度信息；读取单元 22 读取金融机构设定的账户资产额度信息和用户当前账户额度信息；判断单元 23 判断用户当前账户额度是否低于设定的账户资产额度；调控单元 24 在当前账户额度低于设定的账户资产额度时，发出提示对用户进行贷款产品推荐的信息。
该发明通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率。
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。

Claims (2)

  1. 一种根据账户资金额度匹配贷款推荐方法，其特征在于，所述方法包括如下步骤：
    记录金融机构设定的账户资产额度信息和用户当前账户额度信息；
    读取金融机构设定的账户资产额度信息和用户当前账户额度信息；
    判断用户当前账户额度是否低于设定的账户资产额度；
    若否，视为用户资金足够自身使用，不发出提示对用户进行贷款产品推荐的信息；
    若是，发出提示对用户进行贷款产品推荐的信息。
  2. 一种贷款提示系统，其特征在于，所述贷款提示系统包括：
    记录单元，用于记录金融机构设定的账户资产额度信息和用户当前账户额度信息；
    读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和用户当前账户额度信息；
    判断单元，该输入端与读取单元的输出端相连接，用于判断用户当前账户额度是否低于设定的账户资产额度；
    调控单元，该输入端与判断单元的输出端相连接，若当前账户额度低于设定的账户资产额度时，发出提示对用户进行贷款产品推荐的信息。
PCT/CN2016/072963 2016-01-30 2016-01-30 根据账户资金额度匹配贷款推荐方法及贷款提示系统 Ceased WO2017128393A1 (zh)

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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
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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

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* 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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