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WO2017128391A1 - Procédé de transmission de données relatives à une technologie de recommandation de produits de prêt, et système d'indication de prêt - Google Patents

Procédé de transmission de données relatives à une technologie de recommandation de produits de prêt, et système d'indication de prêt Download PDF

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Publication number
WO2017128391A1
WO2017128391A1 PCT/CN2016/072961 CN2016072961W WO2017128391A1 WO 2017128391 A1 WO2017128391 A1 WO 2017128391A1 CN 2016072961 W CN2016072961 W CN 2016072961W WO 2017128391 A1 WO2017128391 A1 WO 2017128391A1
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WO
WIPO (PCT)
Prior art keywords
user
loan
account
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/CN2016/072961
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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/CN2016/072961 priority Critical patent/WO2017128391A1/fr
Publication of WO2017128391A1 publication Critical patent/WO2017128391A1/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 a data sending method and a loan prompting system for a loan product recommendation technology.
  • 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 sending method and a loan prompting system for a loan product recommendation technology, which can enable the system to timely find out whether the user has sufficient funds by matching the balance of the user account funds with the account fund balance set by the financial institution. Carry out daily production and life, and then timely discover loan business opportunities, improve user loan efficiency, achieve precise marketing, reduce financial institution marketing costs, improve capital use efficiency, and at the same time, timely feedback through the use of technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner. Usage.
  • the present invention is implemented as follows: a method for transmitting data of a loan product recommendation technique, comprising 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;
  • control unit the input end is connected with 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 data sending unit is connected to the output end of the regulating unit, and is configured to send the technical usage data to the data collecting end preset by the manufacturer.
  • 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. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner.
  • FIG. 1 is a schematic flowchart of a data sending method of a loan product recommendation technology 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 data sending method of a loan product recommendation technology 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, and send the technical use 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 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. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner.
  • 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, 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 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;
  • Data transmitting unit 25 the input terminal and the 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 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, the information for prompting the user to recommend the loan product is issued, and at the same time, the data sending unit 25 sends the technical use data to the data collection terminal preset by the manufacturer.
  • 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. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies 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

L'invention concerne un procédé de transmission de données relatives à la technologie de recommandation de produits de prêt, 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) ; 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 des informations de recommandation de produits de prêt, et transmettre, à un terminal d'acquisition de données prédéfini par un fabricant, des données d'utilisation de technologie (S105). Le procédé peut augmenter une efficacité de provision de prêt d'utilisateur, mettre en œuvre une commercialisation précise, réduire les coûts de commercialisation d'une institution financière, augmenter l'efficacité de rotation de fonds, et aider un fabricant à acquérir de manière opportune et efficace les conditions d'utilisation de la technologie associée au moyen d'une rétroaction rapide lors de l'utilisation de la technologie.
PCT/CN2016/072961 2016-01-30 2016-01-30 Procédé de transmission de données relatives à une technologie de recommandation de produits de prêt, et système d'indication de prêt Ceased WO2017128391A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072961 WO2017128391A1 (fr) 2016-01-30 2016-01-30 Procédé de transmission de données relatives à une technologie de recommandation de produits de prêt, et système d'indication de prêt

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072961 WO2017128391A1 (fr) 2016-01-30 2016-01-30 Procédé de transmission de données relatives à une technologie de recommandation de produits de prêt, et système d'indication de prêt

Publications (1)

Publication Number Publication Date
WO2017128391A1 true WO2017128391A1 (fr) 2017-08-03

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PCT/CN2016/072961 Ceased WO2017128391A1 (fr) 2016-01-30 2016-01-30 Procédé de transmission de données relatives à une technologie de recommandation de produits de prêt, et système d'indication de prêt

Country Status (1)

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WO (1) WO2017128391A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109816511A (zh) * 2018-12-14 2019-05-28 深圳壹账通智能科技有限公司 显示产品的方法、装置、计算机设备及存储介质
CN110443715A (zh) * 2019-06-27 2019-11-12 平安科技（深圳）有限公司 基金产品推荐方法、装置、设备及计算机可读存储介质

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101908179A (zh) * 2010-08-17 2010-12-08 中国建设银行股份有限公司 跨行资金账户归集管理方法
CN102999866A (zh) * 2012-12-10 2013-03-27 中国民生银行股份有限公司 资金归集方法和系统
CN102999865A (zh) * 2012-11-16 2013-03-27 惠州Tcl移动通信有限公司 管理存款的方法以及装置
CN104025134A (zh) * 2011-12-28 2014-09-03 乐天株式会社 电子货币管理装置、电子货币管理方法、电子货币管理程序、以及存储该程序的计算机可读取的存储介质

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101908179A (zh) * 2010-08-17 2010-12-08 中国建设银行股份有限公司 跨行资金账户归集管理方法
CN104025134A (zh) * 2011-12-28 2014-09-03 乐天株式会社 电子货币管理装置、电子货币管理方法、电子货币管理程序、以及存储该程序的计算机可读取的存储介质
CN102999865A (zh) * 2012-11-16 2013-03-27 惠州Tcl移动通信有限公司 管理存款的方法以及装置
CN102999866A (zh) * 2012-12-10 2013-03-27 中国民生银行股份有限公司 资金归集方法和系统

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109816511A (zh) * 2018-12-14 2019-05-28 深圳壹账通智能科技有限公司 显示产品的方法、装置、计算机设备及存储介质
CN110443715A (zh) * 2019-06-27 2019-11-12 平安科技（深圳）有限公司 基金产品推荐方法、装置、设备及计算机可读存储介质
CN110443715B (zh) * 2019-06-27 2023-06-06 平安科技（深圳）有限公司 基金产品推荐方法、装置、设备及计算机可读存储介质

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