CN108416670A - Credit matches folk prescription method and server - Google Patents
Credit matches folk prescription method and server Download PDFInfo
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- CN108416670A CN108416670A CN201810228333.8A CN201810228333A CN108416670A CN 108416670 A CN108416670 A CN 108416670A CN 201810228333 A CN201810228333 A CN 201810228333A CN 108416670 A CN108416670 A CN 108416670A
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- demand information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention discloses credits to match folk prescription method and server, wherein a kind of credit includes with folk prescription method：The selection target lending demand information in lending demand information set；Corresponding one or more target Loan Demand information are matched from Loan Demand information aggregate according to the target lending demand information；To corresponding first user equipment of the target lending demand information, and the corresponding second user equipment of each target Loan Demand information sends loan and negotiates notice.The demand for loan that borrower can be directed to is matched with the borrowing needs of lending agency, and then has saved the time of two-sided information screening, improves user experience.
Description
Technical field
The present invention relates to data interaction technology fields more particularly to credit to match folk prescription method and server.
Background technology
Nowadays domestic bank credit loan market is made a general survey of, overall development is swift and violent, not only user's demand for loan rapid development,
Lending instruction is equally in increasing trend simultaneously.One side is small individual demand for loan, another party be numerous lending agencies and
Product, ordinary loan people can have a huge information asymmetry when in face of so many mechanism, and this information asymmetry,
The loan of borrower can be allowed to handle, and process pain spot is innumerable, and not only borrower can not choose the loan product needed for oneself in time,
Lending agency equally can not be screened quickly and itself matched user.
Invention content
An embodiment of the present invention provides credits to match folk prescription method and server, can be directed to demand for loan and the loan of borrower
The borrowing needs of money mechanism are matched, and then have saved the time of two-sided information screening, improve user experience.
In a first aspect, the present invention provides a kind of credits to match folk prescription method, this method includes：
The selection target lending demand information in lending demand information set；
Corresponding one or more targets are matched from Loan Demand information aggregate according to the target lending demand information
Loan Demand information；
To corresponding first user equipment of the target lending demand information, and each target Loan Demand information corresponds to
Second user equipment send loan negotiate notice.
Second aspect, the present invention also provides a kind of credits to match folk prescription method, and this method includes：
Target Loan Demand information is determined in Loan Demand information aggregate；
One or more lending demand letters are matched from lending demand information set according to the target Loan Demand information
Breath；
Target lending demand information is determined from one or more lending demand informations that matching obtains；
To corresponding first user equipment of the target lending demand information and target Loan Demand information corresponding
Two user equipmenies send loan and negotiate notice.
The third aspect, the present invention provides a kind of credits to match single server, which includes：
Selecting unit, for the selection target lending demand information in lending demand information set；
Matching unit, for matching corresponding one from Loan Demand information aggregate according to the target lending demand information
A or multiple target Loan Demand information；
Transmission unit is used for corresponding first user equipment of the target lending demand information, and each target is borrowed
It borrows the corresponding second user equipment of demand information and sends loan negotiation notice.
Fourth aspect, the present invention also provides a kind of credits to match single server, which includes：
Selecting unit, for the selection target Loan Demand information in Loan Demand information aggregate；
Matching unit, for matching one or more from lending demand information set according to the target Loan Demand information
A lending demand information；
Determination unit, for determining target lending demand letter from one or more lending demand informations that matching obtains
Breath；
Transmission unit, for being needed to corresponding first user equipment of the target lending demand information and target debt-credit
It asks the corresponding second user equipment of information to send loan and negotiates notice.
As it can be seen that implementing the embodiment of the present invention, target lending demand information is matched into target from Loan Demand information aggregate
Target Loan Demand information is matched target lending demand information by Loan Demand information from lending demand information set.It can
Rapidly matching lending demand information and Loan Demand information, to improve debt-credit user and lending mechanism filter information efficiency,
Improve loan success rate.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
Obtain other attached drawings according to these attached drawings.
Fig. 1 is the schematic flow diagram that a kind of credit provided in an embodiment of the present invention matches folk prescription method；
Fig. 2 is the schematic flow diagram that another credit provided in an embodiment of the present invention matches folk prescription method；
Fig. 3 is a kind of schematic block diagram of server provided in an embodiment of the present invention；
Fig. 4 is the schematic block diagram of another server provided in an embodiment of the present invention；
Fig. 5 is the schematic block diagram of another server provided in an embodiment of the present invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other without creative efforts
Embodiment shall fall within the protection scope of the present invention.
It should be appreciated that ought use in this specification and in the appended claims, term " comprising " and "comprising" instruction
Described feature, entirety, step, operation, the presence of element and/or component, but one or more of the other feature, whole is not precluded
Body, step, operation, element, component and/or its presence or addition gathered.
It is also understood that the term used in this description of the invention is merely for the sake of the mesh for describing specific embodiment
And be not intended to limit the present invention.As description of the invention and it is used in the attached claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singulative, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and the appended claims is
Refer to any combinations and all possible combinations of one or more of associated item listed, and includes these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determination " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
The present embodiments relate to application scenarios in, including server, the first user equipment, second user set
It is standby.First user equipment is the equipment for needing the user's (lending agency) to make loans to use, and second user equipment needs are borrowed or lent money
The equipment that user uses, which is communicated with server respectively, to receive or send related data information.Wherein,
First user equipment and second user equipment can be Intelligent bracelet, smartwatch, portable digital player, smart mobile phone,
Palm PC, tablet computer, laptop or desktop computer etc..
In embodiments of the present invention, server is needed firstly the need of the Loan Demand information for receiving different user transmission with lending
Information is sought, to complete the matching to Loan Demand information and lending demand information.Wherein：
Loan Demand information is the related personal information that the user for needing to provide a loan uploads and related demand for loan, main use
In guarantee user identity authenticity and the exact demand for loan of offer.Further, the Loan Demand information includes user's surname
Name, contact method, ID card information, the amount of the loan, the length of maturity, assets information, common reserve fund information, social security information, professional body
Part, income information, the intended use of the loan, pattern of lending, loan interest rate range, real-name authentication information, region match information and matching
Spend at least one of threshold value.
Real-name authentication information is used for the authenticity of certification user identity, to evade the wind applied mechanically other people identity and cheated loan
Danger.The real-name authentication information is to pass through OCR (Optical Character Recognition, optical character identification) identity
Demonstrate,prove the subscriber identity information of the acquisitions such as automatic identification technology, face recognition technology.
Region match information is used to ensure the real reliability and data integrity for borrowing preceding credit address, while after ensureing loan
The accuracy and validity of collection, prosecution etc..The region match information is the work gone out by multinomial regional information comprehensive analysis
Make location, user's permanent residence and User Activity region.Wherein, multinomial regional information includes that identity card address, social security pay institute
Ground, telephone number location, movable and immovable property location, residence permit location, positioning device detection are paid in ground, common reserve fund
To be currently located ground.What positioning device detected is currently located ground：When user submits Loan Demand information, server passes through
Location technology obtains the current location of user's using terminal.The location technology can be satellite positioning tech, mobile communication base
Stand location technology, WIFI (Wireless Fidelity, Wireless Fidelity) assistant positioning system, AGPS (Assisted Global
Positioning System, assisted global satellite positioning) technology etc..
Lending demand information is the lending product information and related borrowing needs that the lending agency for the service of offering a loan uploads,
It is mainly used for describing the service object of lending agency requirement, to be matched with Loan Demand information.Further, described to put
Borrow demand information include lending name of product, service coverage area, the product age, lending amount, the length of maturity, the time of making loans,
Asset request, the requirement of common reserve fund amount, the requirement of the social security time limit, intended use of the loan requirement, pattern of lending, income requirement, Professional Demand,
At least one of product spectrum of interest rates, service charge and matching degree threshold value.
It should be noted that the matching degree threshold value that Loan Demand information is related to lending demand information is that two parties are each
From the requirement for being directed to matching degree accounting in matching process of setting.Server is to Loan Demand information and lending demand information
After matching, when the matching degree accounting detected is unsatisfactory for one of matching degree threshold value, server will again be matched without recognizing
The Loan Demand information that fixed matching is completed meets both sides with lending demand information and respectively requires, to carry out subsequent operation.
Referring to Fig. 1, it illustrates a kind of credits that first embodiment of the invention provides to match single method flow diagram.The present embodiment
Mainly it is applied to come for example, the server can wrap in the server comprising storage processing function with folk prescription method with the credit
Include Intelligent bracelet, smartwatch, portable digital player, smart mobile phone, palm PC, tablet computer, laptop, platform
Formula computer and distribution system services device etc..The credit matches folk prescription method, including：
Step 101：The selection target lending demand information in lending demand information set；
In embodiments of the present invention, server receives the lending demand information that each user (lending side) sends, and is deposited
Storage is in lending demand information set.When server needs target lending demand information, then from lending demand information set
Select target lending demand information.Wherein, selection rule can be time priority rule, be needed for example, server detection is made loans
The uplink time for seeking each lending demand information in information aggregate puts the earliest lending demand information of uplink time as target
Borrow demand information.It can also be random rule to select rule, i.e., server randomly selects lending from lending demand information set
Demand information, using as target lending demand information.It should be understood that above-mentioned example is used only as example, not being specifically to limit.
Step 103：According to the target lending demand information matched from Loan Demand information aggregate corresponding one or
Multiple target Loan Demand information；
In embodiments of the present invention, server receives the Loan Demand information that each user (debt-credit side) sends, and is deposited
Storage is in Loan Demand information aggregate.Server chooses ginseng according to target lending demand information from Loan Demand information aggregate
The matched target Loan Demand information of number.Wherein, in lending demand information and Loan Demand information there are one-to-one parameter,
Such as table 1.In the matching process, server matches corresponding parameter, sentences in the case that the parameter meets mutually
The fixed parameter successful match.For example, amount of making loans in target lending information is 150,000 yuan -20 ten thousand yuan, Loan Demand information
Middle loan limit is 170,000 yuan, then server judges the parameter successful match.For another example, income requires to be 8 in target lending information
Thousand yuan or more, income information is 7,000 yuan in Loan Demand information, then server judges the parameter it fails to match.
Table 1
| Lending demand information | Loan Demand information |
| It makes loans amount | The amount of the loan |
| Loan interest rate range | Product spectrum of interest rates |
| The length of maturity | The length of maturity |
| Asset request | Assets information |
| Income requires | Take in information |
| …… | …… |
Further, in target lending demand information and the matching process of a Loan Demand information, successful match
Parameter accounts for the ratio of total matched parameter, matching degree accounting as between the two.Optionally, each parameter setting has corresponding
Weighted value, different parameters are assigned different weighted values due to role difference in the matching process.For example,
The weighted value of first parameter " amount-amount of the loan of making loans " is 150%, the weight of the second parameter " asset request-assets information "
Value is 50%, and in the calculating of matching degree accounting, the weighted value of the parameter of successful match is added again divided by total matched parameter,
The as matching degree accounting of a lending demand information and a Loan Demand information.If above-mentioned two parameter is only existed,
In the case of only the first parameter successful match, matching degree accounting is 75%；In the case of only the second parameter successful match, matching
It is 25% to spend accounting, it is seen then that the higher parameter of weighted value is more important to matching process.In addition, both having met in the matching degree accounting
The matching degree threshold value that the side of lending is arranged in target lending demand information, and meet the matching that the side of debt-credit is arranged in Loan Demand information
In the case of spending threshold value, server judges successful match between the two.
Further, the influence according to parameter to credit operation, all parameters can be divided into different clock rates：
The amount of the loan, the length of maturity, loan interest rate range, lending amount, the length of maturity, product spectrum of interest rates, service charge etc. belong to letter
Basic information is borrowed, real-name authentication information, assets information, common reserve fund information, social security information, occupational identity, income information, assets are wanted
Ask, the requirement of common reserve fund amount, the requirement of the social security time limit, income requirements, Professional Demand etc. belong to assets reference information, region matching is believed
Breath, service coverage area or region require information etc. belong to regional information and other auxiliary informations.In the matching process,
One weighted value of each parameter setting can be directed to, or a weighted value is arranged in each category information.It is appreciated that
Be, in the matching process, both can individually parameter is directly matched one by one, can also first calculate each clock rate point
Value, is then matched with the score value of each clock rate.
It should be noted that lending demand information can carry out matched parameter with several Loan Demand information matches
Quantity or clock rate can be configured by lending root according to the professional ability of itself.
Optionally, server can select the Loan Demand of predetermined number to believe from the Loan Demand information of successful match
Breath, using as target Loan Demand information.It is understood that server priority selects the higher Loan Demand of matching degree accounting
Information is as target Loan Demand information.
In embodiments of the present invention, the matched process of parameter is related to region matching process.Wherein, on user (debt-credit side)
Include region match information in the Loan Demand information of biography, before the region match information is borrowed for the mechanism (lending side) that makes loans
Audit, the overdue collection of refunding, when further relating to prosecution venue and after winning a lawsuit property execution etc. factors consider.It is corresponding
Ground, the lending demand information that lending side uploads include region require information, the clothes of region require information description lending side
Business overlay area.It is understood that lending side the region can conveniently visit audit, it is overdue demand, legal prosecution, ruling
Execute etc..
Optionally, region matching does not reach as a parameter in parameter matching process in ordinary matches parameter difference degree
In the case of threshold value, preferentially using the higher Loan Demand information of region matching degree as target Loan Demand information.Here institute
The ordinary matches parameter said refers in addition to regional information, to carry out matched parameter by selection, is primarily referred to as credit base
Information and assets reference information, can also further comprise other auxiliary informations.For example, in loan limit, time limit, interest rate
In the case of all meeting mutually, the assets reference information such as assets, income of lender does not have apparent gap, and (i.e. its difference degree is not
Reach threshold value), server determines target Loan Demand information by comparing region matching degree.
Step 105：To corresponding first user equipment of the target lending demand information, and each target Loan Demand
The corresponding second user equipment of information sends loan and negotiates notice.
In embodiments of the present invention, loan negotiates notice for illustrating target lending demand information and target to two parties
Loan Demand information meets mutually, and notifies two parties that detail is contacted and negotiated.It should be noted that
One user equipment and second user equipment send the method that loan negotiates notice, can be by short message, mail, using push,
The modes such as phone contact, are not specifically limited herein.
As it can be seen that implementing the embodiment of the present invention, target lending demand information is matched into target from Loan Demand information aggregate
Loan Demand information.Lending demand information and Loan Demand information can be rapidly matched, to improve debt-credit user and make loans
Mechanism filter information efficiency improves loan success rate.
Referring to Fig. 2, it illustrates another credits that second embodiment of the invention provides to match single method flow diagram.This implementation
Example mainly is applied to come for example, the terminal can wrap in the server comprising storage processing function with the credit with folk prescription method
Include Intelligent bracelet, smartwatch, portable digital player, smart mobile phone, palm PC, tablet computer, laptop, platform
Formula computer and distribution system services device etc..The credit matches folk prescription method, including：
Step 201：Target Loan Demand information is determined in Loan Demand information aggregate；
In embodiments of the present invention, server receives the Loan Demand information that each user (debt-credit side) sends, and is deposited
Storage is in Loan Demand information aggregate.When server needs target Loan Demand information, then from Loan Demand information aggregate
Select target Loan Demand information.Wherein, selection rule can be time priority rule, for example, server detection debt-credit needs
The uplink time for seeking each Loan Demand information in information aggregate borrows the earliest Loan Demand information of uplink time as target
Borrow demand information.It can also be random rule to select rule, i.e., server randomly selects debt-credit from Loan Demand information aggregate
Demand information, using as target Loan Demand information.It should be understood that above-mentioned example is used only as example, not being specifically to limit.
Step 203：One or more is matched according to the target Loan Demand information from lending demand information set to put
Borrow demand information；
In embodiments of the present invention, server matched from lending demand information set the step of lending demand information with it is upper
One embodiment step 203 is similar, and main difference is that match party and the role for the side of being matched have carried out mutual conversion, another
Difference is that the present embodiment is not that matching obtains target lending demand information, but filters out one or more of successful match
A lending demand information, Similar content illustrate that details are not described herein.
Step 205：Target lending demand information is determined from one or more lending demand informations that matching obtains；
In embodiments of the present invention, server can be according to issuing time sequencing or matching degree accounting sequence
Determining target lending demand information, for example, server detects the uplink time of each lending demand information for matching and obtaining,
Using the earliest lending demand information of uplink time as target lending demand information.In addition, server can also be provided according to registration
Gold, air control ability etc. carry out comprehensive score to the user (lending mechanism) for uploading demand information, and the highest user that will score corresponds to
Lending demand information as target lending demand information.
Further, server can determine target lending demand information according to multiple dimensions.For example, matching obtains
Lending demand information in, there are the matching degree accountings of multiple housing loan demand informations to reach 100%.In this case, it services
Device according to issuing time sequencing using issuing time most lending demand information as target lending demand information.
It should be noted that if server is only matched to a lending from lending demand information set in step 203
Demand information, then server this lending demand information is directly determined as target lending demand information.
Step 207：To corresponding first user equipment of the target lending demand information and target Loan Demand information
Corresponding second user equipment sends loan and negotiates notice.
In embodiments of the present invention, loan negotiates notice for illustrating target lending demand information and target to two parties
Loan Demand information meets mutually, and notifies two parties that detail is contacted and negotiated.It should be noted that
One user equipment and second user equipment send the method that loan negotiates notice, can be by short message, mail, using push,
The modes such as phone contact, are not specifically limited herein.
Optionally, server to the first user equipment and second user equipment after sending negotiation notice, if receiving institute
The confirmation instruction for stating two side's user equipmenies, then close the target Loan Demand information and the target lending demand information
Connection reaches formal loan cooperation both to show.
Optionally, server to the first user equipment and second user equipment after sending negotiation notice, if when default
The interior confirmation instruction for not receiving the first user equipment and/or the confirmation of second user equipment instruction, then borrowing or lending money target need to
It asks information to be added to Loan Demand information aggregate again, and lending demand information is added to lending demand information collection again
It closes.It should be noted that not receiving both sides in server preset time confirms that instruction includes only receiving the confirmation instruction of a side
Or receive either party refusal instruction.In addition, server is by target Loan Demand information and target lending demand information weight
It is new to be added in respectively set, for being matched again to help user to find satisfied partner.
Optionally, lending demand information set can be contained in Loan Demand information aggregate matches in single pond, described with single
Pond includes at least one lending demand information and at least one Loan Demand information, and the list pond of matching is used to determine mesh in server
In the case of marking Loan Demand information, target lending demand information is matched.
As it can be seen that implementing the embodiment of the present invention, target Loan Demand information is matched into target from lending demand information set
Lending demand information.Lending demand information and Loan Demand information can be rapidly matched, to improve debt-credit user and make loans
Mechanism filter information efficiency improves loan success rate.
It should be noted that two realities that the identical implementation detail of thought is different based on first embodiment and second embodiment
Example is applied, the description of another embodiment can be referred in understanding process, is no longer described in detail.
Third embodiment of the invention provides a kind of server, which is used to execute the side described in aforementioned first embodiment
The unit of method.Specifically, it is a kind of schematic block diagram of server provided in an embodiment of the present invention referring to Fig. 3.The clothes of the present embodiment
Business device include：
Selecting unit 301, for the selection target lending demand information in lending demand information set；
Matching unit 302, for matching correspondence from Loan Demand information aggregate according to the target lending demand information
One or more target Loan Demand information；
Transmission unit 303 is used for corresponding first user equipment of the target lending demand information and each target
The corresponding second user equipment of Loan Demand information sends loan and negotiates notice.
In one example, matching unit 302 is specifically used for：According to matching degree accounting, from Loan Demand information aggregate
With the corresponding one or more target Loan Demand information of the target lending demand information, wherein the matching degree accounting is
The parameter of successful match accounts for the ratio of total match parameter.
In one example, the server further includes associative cell, for referring in the confirmation for receiving the first user equipment
In the case of enabling the confirmation instruction with second user equipment, by the target Loan Demand information and the second user equipment pair
The target lending demand information answered is associated.
Fourth embodiment of the invention provides another server, and the server is for executing described in aforementioned second embodiment
The unit of method.Specifically, it is a kind of schematic block diagram of server provided in an embodiment of the present invention referring to Fig. 3.The present embodiment
Server includes：
Selecting unit 401, for the selection target Loan Demand information in Loan Demand information aggregate；
Matching unit 402, for matching one from lending demand information set according to the target Loan Demand information
Or multiple lending demand informations；
Determination unit 403, for determining target lending demand from one or more lending demand informations that matching obtains
Information；
Transmission unit 404, for being borrowed or lent money to corresponding first user equipment of the target lending demand information and target
The corresponding second user equipment of demand information sends loan and negotiates notice.
In one example, determination unit 403 is specifically used for：It is high according to issuing time sequencing and/or matching degree accounting
Low sequence determines target lending demand information from one or more lending demand informations that matching obtains.
In one example, the server further includes associative cell, for referring in the confirmation for receiving the first user equipment
In the case of enabling the confirmation instruction with second user equipment, the target Loan Demand information and the target lending demand are believed
Breath is associated.
In one example, the server further includes adding device, for not receiving the first user in preset time
In the case of the confirmation instruction and/or the confirmation of second user equipment instruction of equipment, target Loan Demand information is added again
It is added to target lending demand information set again to Loan Demand information aggregate, and by target lending demand information.
In one example, the lending demand information set is contained in the Loan Demand information aggregate matches in single pond,
The list pond of matching includes at least one lending demand information and at least one Loan Demand information.
It should be noted that the server that 3rd embodiment provides and the server that fourth embodiment provides can be same
Server.
It is a kind of server schematic block diagram that another embodiment of the present invention provides referring to Fig. 5.This implementation as shown in Figure 5
Example in server may include：One or more processors 501；One or more input equipments 502, one or more output
Equipment 503 and memory 504.Above-mentioned processor 501, input equipment 502, output equipment 503 and memory 504 pass through bus
505 connections.Memory 502 is for storing computer program, and the computer program includes program instruction, and processor 501 is used for
Execute the program instruction that memory 502 stores.Wherein, processor 501 is configured for calling described program instruction execution：
The selection target lending demand information in lending demand information set；
Corresponding one or more targets are matched from Loan Demand information aggregate according to the target lending demand information
Loan Demand information；
To corresponding first user equipment of the target lending demand information, and each target Loan Demand information corresponds to
Second user equipment send loan negotiate notice；
Or/and
Target Loan Demand information is determined in Loan Demand information aggregate；
One or more lending demand letters are matched from lending demand information set according to the target Loan Demand information
Breath；
Target lending demand information is determined from one or more lending demand informations that matching obtains；
To corresponding first user equipment of the target lending demand information and target Loan Demand information corresponding
Two user equipmenies send loan and negotiate notice.
In one embodiment, processor 501 can call the application program being stored in memory 504, for execute with
Lower operation：According to matching degree accounting, it is one corresponding that the target lending demand information is matched from Loan Demand information aggregate
Or multiple target Loan Demand information, wherein the matching degree accounting is that the parameter of successful match accounts for the ratio of total match parameter.
In one embodiment, processor 501 may call upon the application program being stored in memory 504, for executing
It operates below：The confirmation that the first user equipment is received in input equipment 502 instructs and the confirmation instruction of second user equipment
In the case of, target Loan Demand information target lending demand information corresponding with the second user equipment is closed
Connection.
In one embodiment, processor 501 can execute operation：It is accounted for according to issuing time sequencing and/or matching degree
Compare so as to see who is superior sequence, and target lending demand information is determined from one or more lending demand informations that matching obtains.
In one embodiment, processor 501 can also execute operation：The first user equipment is received in input equipment 502
Confirmation instruction and the confirmation of second user equipment instruction in the case of, the target Loan Demand information is put with the target
Demand information is borrowed to be associated.
In one embodiment, operation can also be performed in processor 501：It is not received in 502 preset time of input equipment
In the case of the confirmation instruction and/or the confirmation of second user equipment instruction of first user equipment, by target Loan Demand information
Again it is added to Loan Demand information aggregate, and target lending demand information is added to target lending demand information collection again
It closes.
In one embodiment, the lending demand information set is contained in the Loan Demand information aggregate with single pond
In, the list pond of matching includes at least one lending demand information and at least one Loan Demand information.
It should be appreciated that in embodiments of the present invention, alleged processor 501 can be central processing unit (Central
Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), application-specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
It can also be any conventional processor etc. to manage device.
Input equipment 502 may include that Trackpad, fingerprint adopt sensor (finger print information and fingerprint for acquiring user
Directional information), microphone etc., output equipment 503 may include display (LCD etc.), loud speaker etc..
The memory 504 may include read-only memory and random access memory, and to processor 501 provide instruction and
Data.The a part of of memory 504 can also include nonvolatile RAM.For example, memory 504 can also be deposited
Store up the information of device type.
In the specific implementation, processor 501 described in the embodiment of the present invention, input equipment 502, output equipment 503 can
First embodiment of the credit provided in an embodiment of the present invention with folk prescription method and the realization method described in second embodiment are executed,
Also the realization method of server described in the embodiment of the present invention is can perform, details are not described herein.
A kind of computer readable storage medium, the computer-readable storage medium are provided in another embodiment of the invention
Matter is stored with computer program, and the computer program includes program instruction, and described program instruction is realized when being executed by processor
All or part of flow in above-described embodiment.
The computer readable storage medium can be the internal storage unit of the server described in aforementioned any embodiment,
Such as the hard disk or memory of server.The computer readable storage medium can also be that the external storage of the server is set
Plug-in type hard disk that is standby, such as being equipped on the server, intelligent memory card (Smart Media Card, SMC), secure digital
(Secure Digital, SD) blocks, flash card (Flash Card) etc..Further, the computer readable storage medium is also
Can both include the server internal storage unit and also including External memory equipment.The computer readable storage medium is used
In other programs and data needed for the storage computer program and the server.The computer readable storage medium
It can be also used for temporarily storing the data that has exported or will export.
Those of ordinary skill in the art may realize that lists described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, depend on the specific application and design constraint of technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
It is apparent to those skilled in the art that for convenience of description and succinctly, foregoing description is
The specific work process of system, server and unit, can refer to corresponding processes in the foregoing method embodiment, no longer superfluous herein
It states.
In several embodiments provided herein, it should be understood that disclosed system, server and method, it can
To realize by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
Division, only a kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple units or group
Part can be combined or can be integrated into another system, or some features can be ignored or not executed.In addition, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be the indirect coupling by some interfaces, device or unit
It closes or communicates to connect, can also be electricity, mechanical or other forms connections.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the embodiment of the present invention
Purpose.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, it can also
It is that each unit physically exists alone, can also be during two or more units are integrated in one unit.It is above-mentioned integrated
The form that hardware had both may be used in unit is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can be stored in a computer read/write memory medium.Based on this understanding, technical scheme of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the present invention
Portion or part steps.And storage medium above-mentioned includes：USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can store journey
The medium of sequence code.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection domain subject to.
Claims (10)
1. a kind of credit matches folk prescription method, which is characterized in that including：
The selection target lending demand information in lending demand information set；
Corresponding one or more target debt-credits are matched from Loan Demand information aggregate according to the target lending demand information
Demand information；
To corresponding first user equipment of the target lending demand information, and each target Loan Demand information corresponding the
Two user equipmenies send loan and negotiate notice.
2. according to the method described in claim 1, it is characterized in that, it is described according to the target lending demand information from debt-credit need
It asks and matches corresponding one or more target Loan Demand information in information aggregate, specifically include：
According to matching degree accounting, it is one or more corresponding that the target lending demand information is matched from Loan Demand information aggregate
A target Loan Demand information, wherein the matching degree accounting is that the parameter of successful match accounts for the ratio of total match parameter.
3. method according to claim 1 or 2, which is characterized in that the method further includes：
In the case where the confirmation instruction and the confirmation of second user equipment for receiving the first user equipment instruct, by the target
Loan Demand information target lending demand information corresponding with the second user equipment is associated.
4. a kind of credit matches folk prescription method, which is characterized in that including：
Target Loan Demand information is determined in Loan Demand information aggregate；
One or more lending demand informations are matched from lending demand information set according to the target Loan Demand information；
Target lending demand information is determined from one or more lending demand informations that matching obtains；
It is used to corresponding first user equipment of the target lending demand information and target Loan Demand information corresponding second
Family equipment sends loan and negotiates notice.
5. according to the method described in claim 4, it is characterized in that, the one or more lending demands letter obtained from matching
Target lending demand information is determined in breath, is specifically included：
According to issuing time sequencing and/or matching degree accounting sequence, one or more make loans obtained from matching needs
It asks and determines target lending demand information in information.
6. method according to claim 4 or 5, which is characterized in that the method further includes：
In the case where the confirmation instruction and the confirmation of second user equipment for receiving the first user equipment instruct, by the target
Loan Demand information is associated with the target lending demand information.
7. method according to claim 4 or 5, which is characterized in that the method further includes：
The feelings of the confirmation instruction of the first user equipment and/or the confirmation instruction of second user equipment are not received in preset time
Under condition, target Loan Demand information is added to Loan Demand information aggregate again, and again by target lending demand information
It is added to target lending demand information set.
8. according to the method described in claim 4, it is characterized in that, the lending demand information set is believed with the Loan Demand
It ceases set to be contained in in single pond, the list pond of matching includes at least one lending demand information and at least one Loan Demand letter
Breath.
9. a kind of credit matches single server, which is characterized in that including：
Selecting unit, for the selection target lending demand information in lending demand information set；
Matching unit, for according to the target lending demand information matched from Loan Demand information aggregate corresponding one or
Multiple target Loan Demand information；
Transmission unit is used for corresponding first user equipment of the target lending demand information, and each target debt-credit needs
It asks the corresponding second user equipment of information to send loan and negotiates notice.
10. a kind of credit matches single server, which is characterized in that including：
Selecting unit, for the selection target Loan Demand information in Loan Demand information aggregate；
Matching unit is put for matching one or more from lending demand information set according to the target Loan Demand information
Borrow demand information；
Determination unit, for determining target lending demand information from one or more lending demand informations that matching obtains；
Transmission unit, for believing to corresponding first user equipment of the target lending demand information and target Loan Demand
It ceases corresponding second user equipment and sends loan negotiation notice.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810228333.8A CN108416670A (en) | 2018-03-19 | 2018-03-19 | Credit matches folk prescription method and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810228333.8A CN108416670A (en) | 2018-03-19 | 2018-03-19 | Credit matches folk prescription method and server |
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| CN108416670A true CN108416670A (en) | 2018-08-17 |
Family
ID=63132999
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Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109191201A (en) * | 2018-08-28 | 2019-01-11 | 深圳市元征科技股份有限公司 | A kind of information matching method and relevant device |
| CN109389491A (en) * | 2018-09-27 | 2019-02-26 | 深圳壹账通智能科技有限公司 | Loan product screening technique, device, equipment and storage medium based on big data |
| CN109410040A (en) * | 2018-11-07 | 2019-03-01 | 杭州创金聚乾网络科技有限公司 | A kind of match method, device and the equipment of loan application and investment application |
| CN109447790A (en) * | 2018-11-09 | 2019-03-08 | 杭州创金聚乾网络科技有限公司 | A kind of matching process, device and the equipment of debit request and channels to fund |
| CN109544329A (en) * | 2018-10-09 | 2019-03-29 | 阿里巴巴集团控股有限公司 | Bring matching process, device and system together |
| CN109685641A (en) * | 2018-11-15 | 2019-04-26 | 深圳市佰仟金融服务有限公司 | A kind of information processing method and device |
| CN109816511A (en) * | 2018-12-14 | 2019-05-28 | 深圳壹账通智能科技有限公司 | Show method, apparatus, computer equipment and the storage medium of product |
| CN110473069A (en) * | 2019-08-15 | 2019-11-19 | 深圳乐信软件技术有限公司 | Order management method, device, server and storage medium |
| CN110689424A (en) * | 2019-09-06 | 2020-01-14 | 阿里巴巴集团控股有限公司 | Capital supply and demand matching method and system |
| WO2021242199A1 (en) * | 2020-05-27 | 2021-12-02 | Turkiye Garanti Bankasi Anonim Sirketi | A loan request system |
| CN114331670A (en) * | 2021-12-21 | 2022-04-12 | 上海数禾信息科技有限公司 | Method and device for determining fund scheduling scheme, computer equipment and storage medium |
| CN115730966A (en) * | 2022-11-15 | 2023-03-03 | 东方微银科技股份有限公司 | Intelligent product optimization method and system based on customer demands |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109191201A (en) * | 2018-08-28 | 2019-01-11 | 深圳市元征科技股份有限公司 | A kind of information matching method and relevant device |
| CN109389491A (en) * | 2018-09-27 | 2019-02-26 | 深圳壹账通智能科技有限公司 | Loan product screening technique, device, equipment and storage medium based on big data |
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| CN109544329A (en) * | 2018-10-09 | 2019-03-29 | 阿里巴巴集团控股有限公司 | Bring matching process, device and system together |
| CN109410040A (en) * | 2018-11-07 | 2019-03-01 | 杭州创金聚乾网络科技有限公司 | A kind of match method, device and the equipment of loan application and investment application |
| CN109447790A (en) * | 2018-11-09 | 2019-03-08 | 杭州创金聚乾网络科技有限公司 | A kind of matching process, device and the equipment of debit request and channels to fund |
| CN109685641A (en) * | 2018-11-15 | 2019-04-26 | 深圳市佰仟金融服务有限公司 | A kind of information processing method and device |
| CN109816511A (en) * | 2018-12-14 | 2019-05-28 | 深圳壹账通智能科技有限公司 | Show method, apparatus, computer equipment and the storage medium of product |
| CN110473069A (en) * | 2019-08-15 | 2019-11-19 | 深圳乐信软件技术有限公司 | Order management method, device, server and storage medium |
| CN110689424A (en) * | 2019-09-06 | 2020-01-14 | 阿里巴巴集团控股有限公司 | Capital supply and demand matching method and system |
| CN110689424B (en) * | 2019-09-06 | 2023-09-08 | 创新先进技术有限公司 | Funds supply and demand matching method and system |
| WO2021242199A1 (en) * | 2020-05-27 | 2021-12-02 | Turkiye Garanti Bankasi Anonim Sirketi | A loan request system |
| CN114331670A (en) * | 2021-12-21 | 2022-04-12 | 上海数禾信息科技有限公司 | Method and device for determining fund scheduling scheme, computer equipment and storage medium |
| CN114331670B (en) * | 2021-12-21 | 2024-01-23 | 上海数禾信息科技有限公司 | Method, device, computer equipment and storage medium for determining fund scheduling scheme |
| CN115730966A (en) * | 2022-11-15 | 2023-03-03 | 东方微银科技股份有限公司 | Intelligent product optimization method and system based on customer demands |
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