CN110675242A - Credit request processing method and device - Google Patents
Credit request processing method and device Download PDFInfo
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- CN110675242A CN110675242A CN201910807498.5A CN201910807498A CN110675242A CN 110675242 A CN110675242 A CN 110675242A CN 201910807498 A CN201910807498 A CN 201910807498A CN 110675242 A CN110675242 A CN 110675242A
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Abstract
The application discloses a credit request processing method and a credit request processing device, wherein the credit request processing method comprises the following steps: obtaining user information of a source user of the credit request; after the user information passes risk audit of the platform financial institution, determining a plurality of alternative cooperative financial institutions according to a cooperative financial institution allocation model; verifying according to the user information and the current state of each alternative cooperative financial institution; and processing the credit request by taking the verified cooperative financial institution and the platform financial institution as joint lenders. According to the credit request processing scheme, the users who pass the audit of the platform financial institution can obtain the loan in time, and the credit request processing efficiency of the users is improved; and moreover, the safety of loan fund loan of the cooperative financial institution is also ensured.
Description
Technical Field
The application relates to the technical field of computers, in particular to a credit request processing method and device.
Background
In the financial field, the initial operation of the internet platform deposits a large number of users, some users have credit requirements, the internet platform establishes a compliant financial institution (such as the Ali Small loan) for the purpose of serving the users, initially, the platform financial institution pays the clients as a single lender, along with the rapid development of the business, the platform financial institution and the bank (namely the cooperative financial institution) cooperate more and more closely, a joint loan mode is introduced, and the lenders in the loan business are changed from the original one into two or more.
For the user, he only needs to initiate a credit request to the internet platform, but the internet platform needs to determine how to allocate lenders, i.e., processing a single credit request may involve multi-party interactions, which present challenges to the processing of the credit request.
Disclosure of Invention
In view of the above, the present application is made to provide a credit request processing method and apparatus that overcomes or at least partially solves the above problems.
According to one aspect of the application, there is provided a credit request processing method, the method comprising:
obtaining user information of a source user of the credit request;
after the user information passes risk audit of the platform financial institution, determining a plurality of alternative cooperative financial institutions according to a cooperative financial institution allocation model;
verifying according to the user information and the current state of each alternative cooperative financial institution;
and processing the credit request by taking the verified cooperative financial institution and the platform financial institution as joint lenders.
According to another aspect of the application, there is provided a credit request processing apparatus, the apparatus comprising:
a user information obtaining unit, configured to obtain user information of a source user of the credit request;
the alternative unit is used for determining a plurality of alternative cooperative financial institutions according to the cooperative financial institution allocation model after the user information passes risk audit of the platform financial institution;
the verification unit is used for verifying according to the user information and the current state of each alternative cooperative financial institution;
and the processing unit is used for processing the credit request by taking the verified cooperative financial institution and the platform financial institution as joint lenders.
In accordance with yet another aspect of the present application, there is provided an electronic device including: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to perform a method as described in one aspect above.
According to yet another aspect of the application, there is provided a computer readable storage medium storing one or more programs which, when executed by a processor, implement a method as in the one aspect above.
According to the technical scheme, the user information of the user from which the credit request comes is obtained, after the user information passes risk audit of the platform financial institution, a plurality of alternative cooperative financial institutions are determined according to the cooperative financial institution allocation model, verification is performed according to the user information and the current state of each alternative cooperative financial institution, the verified cooperative financial institution and the platform financial institution serve as a joint loan party, and the credit request is processed, so that the credit requirement of a client is met to the maximum extent, the user passing audit of the platform financial institution can obtain a loan in time, and the credit request processing efficiency of the user is improved; in addition, the situation that the cooperative financial institution spends a large amount of time and cost to find the clients meeting the requirements is avoided, and the safety of loan fund loan of the cooperative financial institution is improved.
The foregoing description is only an overview of the technical solutions of the present application, and the present application can be implemented according to the content of the description in order to make the technical means of the present application more clearly understood, and the following detailed description of the present application is given in order to make the above and other objects, features, and advantages of the present application more clearly understandable.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the application. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 shows a flow diagram of a method of processing a credit request according to one embodiment of the present application;
FIG. 2 illustrates a block diagram of a credit request processing apparatus according to one embodiment of the present application;
FIG. 3 shows a schematic structural diagram of an electronic device according to an embodiment of the present application;
FIG. 4 shows a schematic structural diagram of a computer-readable storage medium according to an embodiment of the present application.
Detailed Description
Exemplary embodiments of the present application will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present application are shown in the drawings, it should be understood that the present application may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
FIG. 1 shows a flow diagram of a method of processing a credit request according to one embodiment of the present application; referring to fig. 1, the credit request processing method of the present embodiment includes the steps of:
step S101, user information of a source user of the credit request is obtained.
In particular, the credit request processing method may be implemented on an internet platform, such as one that provides a unified credit interface to a user through which the user may submit a credit request. The credit request may include information such as the loan amount, and the user's platform ID. It should be noted here that the user information obtained in this step may be information used for risk auditing, such as credit information, identity information, and the like, and the user information may be obtained directly from the credit request, or obtained by querying a user information database, and the like, where the user information may not be extracted from the credit request or not included in the credit request.
And S102, after the user information passes risk audit of the platform financial institution, determining a plurality of alternative cooperative financial institutions according to a cooperative financial institution allocation model.
Here, the platform financial institution refers to a financial institution provided under the internet platform, and is also a principal service party for joint loan and a fundamental guarantee for providing credit service. The cooperative financial institution allocation model can screen a plurality of cooperative financial institutions according to user information, the financial institutions and the Internet platform have business cooperative relations, but strategies such as risk audit, user preference and the like of the financial institutions are not consistent, and therefore determination can be carried out according to the characteristics of different financial institutions.
And step S103, verifying according to the user information and the current state of each alternative cooperative financial institution.
The determined alternative cooperating financial institutions are not necessarily able to provide services immediately, but rather it is often desirable for the user to obtain a payout in a short period of time based on a credit request. Thus, the verification in this step may be used to verify the availability of the financial institution; meanwhile, since the cooperation strategy of each financial institution is often only a coarse-grained screening mechanism, whether the user can pass the finer-grained screening is unknown, and the verification on the aspect can be realized during the specific application.
And step S104, taking the verified cooperative financial institution and the platform financial institution as joint lenders, and processing the credit request.
As shown in fig. 1, in the credit request processing method of this embodiment, the user information of the source user of the credit request is acquired, after the source user passes the review of the platform financial institution, a plurality of candidate cooperative financial institutions are determined according to the preset cooperative financial institution allocation model, the candidate financial institutions are verified based on the user information and the current state of each candidate cooperative financial institution, and the verified cooperative financial institutions and the platform financial institution are used together as a joint loan party to process the credit request. Therefore, on one hand, the credit request of the user is subjected to two steps of auditing by the platform financial institution and verifying by the alternative cooperative financial institution, so that the problem that the credit request processing efficiency of the user is influenced by the fact that the audit of the platform financial institution is passed and the audit of the alternative cooperative financial institution such as a bank is not passed is solved. On the other hand, the verification is carried out according to the user information and the current state of each alternative cooperative financial institution, and the alternative financial institutions passing the verification are used as joint lenders of the credit request of the current user to jointly fund, so that the time and labor cost for searching the clients meeting the requirements by the cooperative financial institutions such as banks are saved, and the safety of the credit funds of the cooperative financial institutions such as the banks is improved.
Consider one application scenario in which: the method comprises the steps that a user opens three ways through an internet platform for loan of 1000 yuan, after the internet platform receives a credit request of the user, user information of a source user of the credit request is obtained, the platform financial institution A is used for auditing the user opening three ways, if the user opening three ways are approved, the process of determining candidate cooperative financial institutions in a joint loan mode is entered, after a plurality of candidate cooperative financial institutions are determined, verification is conducted according to the user information and the current state of each candidate cooperative financial institution, the verified cooperative financial institutions and the platform financial institution serve as joint lenders, and the credit request of the user opening three ways is processed.
The reason why the joint loan mode is used is that the platform financial institution has limited funds and the loan of the platform financial institution is regulated by finance, if the platform financial institution is used as a lender alone to process the 1000-yuan loan request, the remaining loanable funds tend to be reduced, and if the platform financial institution and the cooperative financial institution are used as the lender together according to a preset loan proportion (for example, 2: 8), the platform financial institution can pay 200 yuan for the credit request of three-out for the user, and a cooperative financial institution pays 800 yuan, and for the platform financial institution, only 200 yuan meets the credit requirement of one user, so that the platform financial institution can serve more users with the remaining loanable funds.
It should be noted that the number of the cooperative financial institutions is not limited to one, and the number of the alternative cooperative financial institutions may be preset in practical application, which is not limited in this embodiment. Such as setting the number of alternative cooperating financial institutions to two. In the above example, for the credit request of the user for three, the internet platform is verified, it is determined that the two alternative cooperating financial institutions are B, C, respectively, and if the two alternative cooperating financial institutions are verified, the credit request is processed according to the preset funding ratio 2: 4: 4, the platform financial institution A pays 200 yuan, the cooperative financial institution B pays 400 yuan and the cooperative financial institution C pays 400 yuan, so that the verified cooperative financial institution B, C and the platform financial institution A loan the credit request of the user for three together, thereby being capable of serving the credit requirements of more users and saving the cost of the cooperative financial institution for searching the clients meeting the requirements.
In practice, the method of this embodiment requires not only the determination of the alternative cooperating financial institution, but also the verification of the alternative cooperating financial institution to verify the current availability of the cooperating financial institution and to match the lending requirements of the cooperating financial institution with the user information. In practice, each financial institution (mainly bank) cooperating with the platform financial institution has its own loan request, and even if the platform financial institution a approves, the same user may not approve the financial institution B, the financial institution C, the financial institution D and the like, or may have completely different results. For example, financial institution A may place money for a qualified user and financial institution B may not provide deposit support for a qualified user.
Since determining the alternative partner financial institution as the basis for verification is also key to the processing of the credit request of the application, several embodiments of determining the alternative partner financial institution will be described first.
In one embodiment, determining a number of alternative cooperating financial institutions based on the cooperating financial institution allocation model comprises: inputting the user information into the collaborative financial institution allocation model; and if one dimension feature in the user information falls into the designated distribution area of the target cooperative financial institution, taking the target cooperative financial institution as a candidate cooperative financial institution.
Specifically, standard user characteristic information meeting the risk auditing requirements of the cooperative financial institutions is acquired in advance, a cooperative financial institution allocation model is constructed and trained on the basis of the standard user characteristic information of each cooperative financial institution, and then the alternative cooperative financial institutions are determined by using the cooperative financial institution allocation model. For example, the standard user feature information is a user white list, and name information, unique identification information, region information, and the like of a user specified or favored by the financial institution are recorded in the user white list. The cooperative financial institution allocation model receives currently input user information, and judges whether a dimension characteristic (such as regional information) in the currently input user information falls into an appointed allocation area of a target cooperative financial institution, wherein the appointed allocation area comprises specific gender, occupation and an appointed income interval. If one dimension characteristic in the user information falls into a designated allocation region of the target cooperative financial institution, for example, the designated income interval is 1 ten thousand yuan to 2 ten thousand yuan of the monthly income, the monthly income of the user is 1 ten thousand 5 thousand yuan, and obviously falls into the designated allocation region, the target cooperative financial institution is taken as an alternative cooperative financial institution, and a plurality of alternative cooperative financial institutions can be determined according to the above mode. Several of these include one or more.
In one embodiment, the aforementioned determining a number of alternative cooperating financial institutions based on the cooperating financial institution allocation model comprises: and determining a plurality of alternative cooperative financial institutions according to at least one parameter of the preset priority level, the amount of the credited funds and the number of the credited users of each cooperative financial institution.
That is, in the embodiment of the present application, the alternative cooperating financial institutions may be determined according to one or more combinations of three control parameters, i.e., the preset priority level, the amount of the credited funds, and the number of the credited users of each cooperating financial institution.
For example, when candidate financial institutions are determined individually with a preset priority, the priority of each of the candidate financial institutions is preset in the cooperative financial institution allocation model. For example, the priority of the cooperative financial institution B is higher than that of the cooperative financial institution C, and subsequently, after receiving the input user information, the cooperative financial institution allocation model directly determines one or a preset number of cooperative financial institutions with high priority as alternative cooperative financial institutions according to the priority ranking.
For another example, the alternative partner financial institutions may be determined by a combination of the two parameters, i.e., the amount of funds credited and the number of users credited. Specifically, after the distribution model of the cooperative financial institutions in this embodiment receives the input user information, the cooperative financial institutions are ranked according to the obtained amounts of the credited funds of the respective cooperative financial institutions and the amounts of the credited users, the cooperative financial institutions with the smaller amounts of the credited funds are ranked in the front, the cooperative financial institutions with the larger amounts of the credited funds are ranked in the back, the amounts of the credited funds are the same, and the ranking of the respective cooperative financial institutions is further ranked according to the amounts of the credited users, and after the ranking of the respective cooperative financial institutions is obtained, a plurality of cooperative financial institutions with the top ranking are output as candidate cooperative financial institutions.
It should be noted that, in this way, the alternative cooperative financial institutions are determined by the combination of the two parameters of the amount of the credited funds and the amount of the credited users, the credit processing capability, the amount of the funds, and the amount of the users of the cooperative financial institutions are considered, so that the determined alternative cooperative financial institutions are prevented from being too concentrated, the probability of passing the verification of the cooperative financial institutions is increased, and the processing efficiency of the credit request of the users is further increased.
In one embodiment, determining a number of alternative cooperating financial institutions based on the cooperating financial institution allocation model comprises: inputting the user information into the cooperative financial institution allocation model, and calculating the basic scores of the user information by each cooperative financial institution according to the dimension characteristics in the user information; and determining a plurality of alternative cooperative financial institutions according to the basic scores.
Specifically, user information is input into a cooperative financial institution allocation model, and the basic scores of the user information by each cooperative financial institution are calculated according to dimension characteristics in the user information by using the cooperative financial institution allocation model, wherein the dimension characteristics in the user information comprise age characteristics, occupation characteristics, residence characteristics and credit characteristics. And calculating the basic score of the cooperative financial institution on the user information according to the four dimensional characteristics. For example, the cooperative financial institution B requires the age of the user to be 25-45, the profession is lawyer, the residence is beijing, and the credit characteristics are no credit default records, so that each dimension characteristic of the user currently input is correspondingly compared with each requirement of the cooperative financial institution B to obtain a score, and the four scores are added to obtain the basic score of each cooperative financial institution for the user information.
For example, the age of zhang san of the user is 30 years old, the occupation is lawyer, the place of residence is beijing, and the credit characteristics are no credit default records, then, through comparison, zhang san's age meets the age requirement and can be 9 points (full points 10), zhang san's occupation meets the occupation requirement and can be 10 points (full points 10), zhang san's place of residence meets the place of residence requirement and can be 10 points (full points 10), zhang san's credit characteristics meets the credit characteristics requirement and can be 10 points (full points 10), the scores of the user are added up and can be 39 points, and then the basic score of the target cooperative financial institution for the user information is 39 points. And calculating the basic scores of the cooperative financial institutions for the current user in the manner described above, and determining a plurality of alternative cooperative financial institutions according to the basic scores, for example, determining the cooperative financial institution corresponding to the basic score larger than a preset threshold as the alternative cooperative financial institution.
In practical application, the scoring rules can be configured in advance, so that the scores of the cooperative financial institutions on the user dimensional characteristics which meet or do not meet the requirements are calculated according to the scoring rules. The foregoing dimension features are only examples, and in practical applications, the dimension features of the user should be obtained according to requirements.
It should be noted that, when the basic score of each cooperative financial institution for the user information is calculated, if one dimension feature of the user information does not fall into the constraint interval of the corresponding dimension of the target cooperative financial institution, the basic score of the target cooperative financial institution for the user information is 0.
Following the above example, the user Liqu is 20 years old, professionally lawyer, resident in Beijing, and credit-feature is a record of no credit default. Through comparison, the age of lie four does not meet the requirement of the target cooperative financial institution B on the age of the user, so the basic score of the target cooperative financial institution on the user information is 0.
By calculating the basic scores of the user information of the cooperative financial institutions, the users who do not meet the requirements of the target cooperative financial institution are prevented from being allocated to the target cooperative financial institution, the condition that the platform financial institution audits the approved users and the cooperative financial institution fails is avoided, and the credit request processing efficiency of the users is improved.
After obtaining alternative cooperating financial institutions according to the foregoing alternative cooperating financial institution determining embodiment, the verifying according to the user information and the current state of each alternative cooperating financial institution in this embodiment includes: and sending the user information to each optional cooperative financial institution through a preset interface for risk auditing, and receiving corresponding auditing result data.
That is, after determining candidate cooperating financial institutions, for example, three candidate cooperating financial institutions, which are the cooperating financial institutions B, C, D, are obtained, the user information is sent to the candidate financial institution B, C, D through the preset interface, the candidate financial institution B, C, D performs an audit according to its credit risk audit request, for example, whether to accept the recommended user, the risk level of the user, whether to release the credit, and the like, and the candidate financial institution B, C, D returns corresponding audit result data after obtaining the audit result data.
In one embodiment of the present application, verifying based on the user information and the current status of each alternative cooperating financial institution comprises: if the partner financial institution does not currently satisfy the payout condition, the verification fails.
In consideration of the difference in factors such as the digestibility and the service period of each cooperative financial institution, for example, some financial institutions may provide 1000 ten thousand of credit fund support loans per day, some financial institutions may provide 5000 ten thousand of credit fund support loans per day, and different cooperative financial institutions have different support capabilities, in this embodiment, when verification is performed according to user information and the current state of each alternative cooperative financial institution, it is determined whether the cooperative financial institution currently satisfies a loan condition (for example, whether the current day loan limit of the cooperative financial institution is reached, or for example, some financial institutions do not support 24-hour service, then the loan cannot be made outside a preset time period), if the cooperative financial institution currently satisfies the loan condition, the verification is passed, and if the cooperative financial institution currently does not satisfy the loan condition, the verification fails.
And if the verification of each alternative cooperative financial institution fails, the platform financial institution is used as a unique loan party to process the credit request. As mentioned above, the platform financial institution is a financial institution under the internet platform, and also serves as a principal service party of the joint loan and a basic guarantee for providing credit service, after the alternative cooperating financial institutions are determined according to the method of the embodiment, the alternative cooperating financial institutions are verified, and if the verification result is: if each alternative partner financial institution fails to verify, that is, if none of the alternative partner financial institutions currently satisfies the loan condition, then, in the present embodiment, the platform financial institution serves as the only lender to process the credit request of the user in order to provide stable and consistent service to the user.
As can be seen from the above, in the credit request processing method of this embodiment, after receiving a credit request, user information of a user from which the credit request originates is obtained, and if the user information passes risk audit of a platform financial institution, a plurality of candidate cooperative financial institutions are determined according to a cooperative financial institution allocation model, and then verification is performed according to the user information and the current state of each candidate cooperative financial institution, and only the verified cooperative financial institution and the platform financial institution are used as a joint loan party to process the credit request. Therefore, on one hand, each received credit request is verified according to the user attribute and the differentiation requirements of each financial institution, the condition that the audit of the platform financial institution passes and the audit of the background cooperative financial institution fails is avoided, the processing efficiency of the credit request of the user is improved, the platform financial institution can conveniently serve more users, on the other hand, the cost of the cooperative financial institution for searching the clients meeting the requirements is saved, and the loan lending safety of the cooperative financial institution is improved.
The same technical idea as the above-mentioned credit request processing method, the present application embodiment further provides a credit request processing apparatus, and referring to fig. 2, the credit request processing apparatus 200 of the present embodiment includes:
a user information acquisition unit 201 for acquiring user information of a source user of the credit request;
an alternative unit 202, configured to determine, according to a cooperative financial institution allocation model, a plurality of alternative cooperative financial institutions after the user information passes risk audit of the platform financial institution;
a verification unit 203, configured to perform verification according to the user information and the current state of each alternative collaborative financial institution;
and the processing unit 204 is used for processing the credit request by taking the verified cooperative financial institution and the platform financial institution as joint lenders.
In an embodiment of the present application, the alternative unit 202 is specifically configured to input the user information into the collaborative financial institution allocation model; and if one dimension feature in the user information falls into the designated distribution area of the target cooperative financial institution, taking the target cooperative financial institution as a candidate cooperative financial institution.
In an embodiment of the present application, the candidate unit 202 is specifically configured to determine a plurality of candidate cooperating financial institutions according to at least one parameter of the preset priority level, the amount of the credited funds, and the number of the credited users of each cooperating financial institution.
In an embodiment of the application, the alternative unit 202 is specifically configured to input the user information into the collaborative financial institution allocation model, and calculate a base score of each collaborative financial institution for the user information according to each dimensional feature in the user information; and determining a plurality of alternative cooperative financial institutions according to the basic scores.
In an embodiment of the application, the alternative unit 202 is specifically configured to, if one dimension feature of the user information does not fall within a constraint interval of a corresponding dimension of a target cooperative financial institution, determine that a base score of the target cooperative financial institution for the user information is 0.
In an embodiment of the present application, the verification unit 203 is specifically configured to send the user information to each candidate cooperative financial institution through a preset interface for risk verification, and receive corresponding verification result data.
In an embodiment of the present application, the verification unit 203 is specifically configured to fail the verification if the partner financial institution does not currently satisfy the deposit condition.
In an embodiment of the application, the processing unit 204 is further configured to process the credit request with the platform financial institution as the only lender if the verification of each alternative cooperating financial institution fails.
It should be noted that, for the specific implementation of each apparatus embodiment, reference may be made to the specific implementation of the corresponding method embodiment, which is not described herein again.
In summary, according to the credit request processing technical scheme of the application, a credit request of an internet platform user is received, user information of a credit request source user is obtained, if the user information passes risk audit of a platform financial institution, a plurality of alternative cooperative financial institutions are determined according to a cooperative financial institution allocation model, verification is further performed according to the user information and the current state of each alternative cooperative financial institution, only the verified cooperative financial institution and the platform financial institution serve as a joint loan party, the credit request is processed, the credit request processing efficiency of the user credit request is improved, the platform financial institution can conveniently serve more users, and the loan lending safety of the cooperative financial institution is also guaranteed.
It should be noted that:
the algorithms and displays presented herein are not inherently related to any particular computer, virtual machine, or other apparatus. Various general purpose devices may be used with the teachings herein. The required structure for constructing such a device will be apparent from the description above. In addition, this application is not directed to any particular programming language. It will be appreciated that a variety of programming languages may be used to implement the teachings of the present application as described herein, and any descriptions of specific languages are provided above to disclose the best modes of the present application.
In the description provided herein, numerous specific details are set forth. However, it is understood that embodiments of the application may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.
Similarly, it should be appreciated that in the foregoing description of exemplary embodiments of the application, various features of the application are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the application and aiding in the understanding of one or more of the various inventive aspects. However, the disclosed method should not be interpreted as reflecting an intention that: this application is intended to cover such departures from the present disclosure as come within known or customary practice in the art to which this invention pertains. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing disclosed embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this application.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Furthermore, those skilled in the art will appreciate that while some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the application and form different embodiments. For example, in the following claims, any of the claimed embodiments may be used in any combination.
The various component embodiments of the present application may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that a microprocessor or Digital Signal Processor (DSP) may be used in practice to implement some or all of the functions of some or all of the components in the credit request processing apparatus according to embodiments of the present application. The present application may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present application may be stored on a computer readable medium or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.
For example, fig. 3 shows a schematic structural diagram of an electronic device according to an embodiment of the present application. The electronic device 300 comprises a processor 310 and a memory 320 arranged to store computer executable instructions (computer readable program code). The memory 320 may be an electronic memory such as a flash memory, an EEPROM (electrically erasable programmable read only memory), an EPROM, a hard disk, or a ROM. The memory 320 has a storage space 330 storing computer readable program code 331 for performing any of the method steps described above. For example, the storage space 330 for storing the computer readable program code may comprise respective computer readable program codes 331 for respectively implementing various steps in the above method. The computer readable program code 331 may be read from or written to one or more computer program products. These computer program products comprise a program code carrier such as a hard disk, a Compact Disc (CD), a memory card or a floppy disk. Such a computer program product is typically a computer readable storage medium such as described in fig. 4. FIG. 4 shows a schematic structural diagram of a computer-readable storage medium according to an embodiment of the present application. The computer readable storage medium 400 has stored thereon a computer readable program code 331 for performing the steps of the method according to the application, readable by a processor 310 of an electronic device 300, which computer readable program code 331, when executed by the electronic device 300, causes the electronic device 300 to perform the steps of the method described above, in particular the computer readable program code 331 stored on the computer readable storage medium may perform the method shown in any of the embodiments described above. The computer readable program code 331 may be compressed in a suitable form.
It should be noted that the above-mentioned embodiments illustrate rather than limit the application, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The application may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
Claims (11)
1. A method of credit request processing, the method comprising:
obtaining user information of a source user of the credit request;
after the user information passes risk audit of the platform financial institution, determining a plurality of alternative cooperative financial institutions according to a cooperative financial institution allocation model;
verifying according to the user information and the current state of each alternative cooperative financial institution;
and processing the credit request by taking the verified cooperative financial institution and the platform financial institution as joint lenders.
2. The method of claim 1, wherein determining a number of alternative cooperating financial institutions based on a cooperating financial institution allocation model comprises:
inputting the user information into the collaborative financial institution allocation model;
and if one dimension feature in the user information falls into the designated distribution area of the target cooperative financial institution, taking the target cooperative financial institution as a candidate cooperative financial institution.
3. The method of claim 1, wherein determining a number of alternative cooperating financial institutions based on a cooperating financial institution allocation model comprises:
and determining a plurality of alternative cooperative financial institutions according to at least one parameter of the preset priority level, the amount of the credited funds and the number of the credited users of each cooperative financial institution.
4. The method of claim 1, wherein determining a number of alternative cooperating financial institutions based on a cooperating financial institution allocation model comprises:
inputting the user information into the cooperative financial institution allocation model, and calculating the basic scores of the user information by each cooperative financial institution according to the dimension characteristics in the user information;
and determining a plurality of alternative cooperative financial institutions according to the basic scores.
5. The method of claim 4, wherein the calculating a base score for the user information for each cooperating financial institution comprises:
and if one dimension characteristic of the user information does not fall into the constraint interval of the corresponding dimension of the target cooperative financial institution, the basic score of the target cooperative financial institution on the user information is 0.
6. The method of claim 1, wherein the validating based on the user information and a current status of each alternative partner financial institution comprises:
and sending the user information to each optional cooperative financial institution through a preset interface for risk auditing, and receiving corresponding auditing result data.
7. The method of claim 1, wherein the validating based on the user information and a current status of each alternative partner financial institution comprises:
if the partner financial institution does not currently satisfy the payout condition, the verification fails.
8. The method of claim 1, further comprising:
and if the verification of each alternative cooperative financial institution fails, the platform financial institution is used as a unique loan party to process the credit request.
9. An apparatus for processing a credit request, the apparatus comprising:
a user information obtaining unit, configured to obtain user information of a source user of the credit request;
the alternative unit is used for determining a plurality of alternative cooperative financial institutions according to the cooperative financial institution allocation model after the user information passes risk audit of the platform financial institution;
the verification unit is used for verifying according to the user information and the current state of each alternative cooperative financial institution;
and the processing unit is used for processing the credit request by taking the verified cooperative financial institution and the platform financial institution as joint lenders.
10. An electronic device, comprising: a processor; and a memory arranged to store computer-executable instructions that, when executed, cause the processor to perform the method of any one of claims 1-8.
11. A computer readable storage medium, characterized in that the computer readable storage medium stores one or more programs which, when executed by a processor, implement the method of any of claims 1-8.
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