WO2017128391A1 - Method of transmitting data relating to loan product recommendation technology, and loan indication system - Google Patents
Method of transmitting data relating to loan product recommendation technology, and loan indication system Download PDFInfo
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- WO2017128391A1 WO2017128391A1 PCT/CN2016/072961 CN2016072961W WO2017128391A1 WO 2017128391 A1 WO2017128391 A1 WO 2017128391A1 CN 2016072961 W CN2016072961 W CN 2016072961W WO 2017128391 A1 WO2017128391 A1 WO 2017128391A1
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- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- the invention belongs to the field of intelligent finance, and provides a data sending method and a loan prompting system for a loan product recommendation technology.
- the number of invention patents applied by OPPO in 2014 was 938, while the number of invention patents of Tencent in the same period was 1,447.
- the inventions of the two companies about 80% of the total number of invention patents related to user experience and direct user operations.
- similar patent applications, including other companies based on user experience are also of a large order of magnitude, such as Huawei.
- the patent application process and the post-authorization maintenance process will generate human and financial costs: such as replying to review opinions, paying license fees, etc., for core technologies (such as CDMA underlying technology) or market identification.
- core technologies such as CDMA underlying technology
- market identification For relatively high-tech technologies (such as sliding unlocking), the related costs are negligible, and the investment in these technologies is worthwhile, but such technologies are a minority after all, and more technologies have been verified by the market. The user's pain points or itch points cannot be touched, and the patent investment in these technologies is likely to cause cost waste.
- the embodiment of the invention provides a data sending method and a loan prompting system for a loan product recommendation technology, which can enable the system to timely find out whether the user has sufficient funds by matching the balance of the user account funds with the account fund balance set by the financial institution. Carry out daily production and life, and then timely discover loan business opportunities, improve user loan efficiency, achieve precise marketing, reduce financial institution marketing costs, improve capital use efficiency, and at the same time, timely feedback through the use of technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner. Usage.
- the present invention is implemented as follows: a method for transmitting data of a loan product recommendation technique, comprising the following steps:
- the embodiment of the invention further provides a loan prompting system, comprising:
- a recording unit configured to record account asset amount information set by a financial institution and current account credit information of the user
- a reading unit the input end is connected to the output end of the recording unit, and is configured to read account asset quota information set by the financial institution and current account credit information of the user;
- a judging unit wherein the input end is connected to the output end of the reading unit, and is configured to determine whether the current account quota of the user is lower than a set account asset quota;
- control unit the input end is connected with the output end of the judging unit, and if the current account quota is lower than the set account asset quota, issuing a message prompting the user to recommend the loan product;
- the data sending unit is connected to the output end of the regulating unit, and is configured to send the technical usage data to the data collecting end preset by the manufacturer.
- the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner.
- FIG. 1 is a schematic flowchart of a data sending method of a loan product recommendation technology according to an embodiment of the present invention
- FIG. 2 is a schematic structural diagram of a loan prompting system according to an embodiment of the present invention.
- figure 1 It is a schematic flowchart of a data sending method of a loan product recommendation technology provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
- step S101 the account asset quota information set by the financial institution and the current account credit amount information of the user are recorded.
- step S102 the account asset quota information set by the financial institution and the current account credit amount information of the user are read;
- step S103 it is determined whether the current account quota of the user is lower than the set account asset quota; if not, proceeding to step S104 It is considered that the user funds are sufficient for their own use, and no information is provided for prompting the user to recommend the loan product; through this setting, the user can be effectively screened, and users who do not need funds are excluded from the target of promotion, and the precision of the financial institution is realized. Marketing, in addition, can reduce harassment for users who do not have such demand, reduce marketing expenses, and increase marketing revenue; if so, enter the steps S105: Send a message prompting the user to recommend the loan product, and send the technical use data to the data collection end preset by the manufacturer.
- the technology uses data for the user to use the data of the technology, that is, the data generated when the method completes the first few steps, the data includes the number of times the user uses the technology (eg, the first time using the technology within a certain period of time) Technology); the specific time point of using the technology; the user's related operations before and after using the technology can help the technology provider to better evaluate the market value of the technology, and better improve the technical data according to the feedback.
- the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner.
- FIG. 2 is a schematic structural diagram of a loan prompting system according to an embodiment of the present invention, where the loan prompting system includes:
- the recording unit 21, the reading unit 22, the judging unit 23, the regulating unit 24, and the data transmitting unit 25 among them
- the recording unit 21 is configured to record account asset quota information set by the financial institution and current account credit information of the user;
- Reading unit 22 the input terminal and the recording unit 21
- the output ends are connected to read the account asset quota information set by the financial institution and the current account quota information of the user;
- Judging unit 23 the input terminal and the reading unit 22 The output ends are connected to determine whether the current account quota of the user is lower than the set account asset amount;
- Control unit 24 the input terminal and the judging unit 23 The output ends are connected, and if the current account quota is lower than the set account asset quota, a message prompting the user to recommend the loan product is issued;
- Data transmitting unit 25 the input terminal and the regulating unit 24
- the output connection is used to send technical usage data to the data acquisition terminal preset by the manufacturer.
- the working principle is: the recording unit 21 records the account asset quota information set by the financial institution and the current account quota information of the user; the reading unit 22 Reading the account asset quota information set by the financial institution and the current account credit amount information of the user; the determining unit 23 determines whether the current account quota of the user is lower than the set account asset quota; the control unit 24 When the current account quota is lower than the set account asset quota, the information for prompting the user to recommend the loan product is issued, and at the same time, the data sending unit 25 sends the technical use data to the data collection terminal preset by the manufacturer.
- the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner.
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Abstract
Provided are a method of transmitting data relating to loan product recommendation technology, and a loan indication system. The method comprises: recording account asset amount information as set by a financial institution and current user account amount information (S101); determining whether the current user account amount is less than a preset account asset amount (S103); if not, determining that there are sufficient funds for the user to use, and not indicating to the user a recommendation for a loan product (S104); and if so, providing to the user loan product recommendation information, and transmitting, to a data acquisition terminal preset by a manufacturer, technology usage data (S105). The method can increase user loan provision efficiency, implement precise marketing, reduce marketing costs of a financial institution, increase fund turnover efficiency, and facilitate a manufacturer to timely and effectively acquire the usage conditions of the related technology by means of rapid feedback upon using the technology.
Description
本发明属于智能金融 领域 ，提供了一种贷款产品推荐技术的数据发送方法及贷款提示系统。 The invention belongs to the field of intelligent finance, and provides a data sending method and a loan prompting system for a loan product recommendation technology.
现在企业申请的专利数量越来越多，而且将专利用在市场上、产品中的情形也越来越多。 Nowadays, the number of patents applied by enterprises is increasing, and the use of patents in the market and products is increasing.
根据国家知识产权的数据库显示，OPPO公司在2014年申请的发明专利数为938个，而同期的腾讯公司的发明专利数为1447个。这两家公司的发明中，有关于用户体验和用户直接操作相关的发明专利约占总数的80%左右。当然包括其他以用户体验为主的公司的类似专利申请也是具有很大的数量级，比如小米公司等。
According to the national intellectual property database, the number of invention patents applied by OPPO in 2014 was 938, while the number of invention patents of Tencent in the same period was 1,447. Among the inventions of the two companies, about 80% of the total number of invention patents related to user experience and direct user operations. Of course, similar patent applications, including other companies based on user experience, are also of a large order of magnitude, such as Xiaomi.
考虑到技术使用的同时，专利的申请过程和授权后的维护过程都会产生人力、财力上的成本：如答复审查意见、缴纳授权费等，对于核心技术（如：CDMA的底层技术）或市场认同度比较高的技术（如：滑动解锁）而言，那么相关成本就可以忽略不计，对于这些技术的投入是值得的，但这类技术毕竟是少数，更多的技术经过市场验证后，其实并不能触及用户的痛点或痒点，而对这些技术的专利投入，就容易造成成本的浪费。
Considering the use of technology, the patent application process and the post-authorization maintenance process will generate human and financial costs: such as replying to review opinions, paying license fees, etc., for core technologies (such as CDMA underlying technology) or market identification. For relatively high-tech technologies (such as sliding unlocking), the related costs are negligible, and the investment in these technologies is worthwhile, but such technologies are a minority after all, and more technologies have been verified by the market. The user's pain points or itch points cannot be touched, and the patent investment in these technologies is likely to cause cost waste.
所以需要有一种方法能够通过实在的数据，及时评估相关技术的市场接受度或价值，同时，为了使得本人的上一个申请《 根据账户资金额度匹配贷款推荐方法及贷款提示系统
》中的相关技术得到及时评估，特提出一种技术使用数据的采集/发送的方法。
Therefore, there is a need to have a way to timely assess the market acceptance or value of the relevant technology through the actual data, and at the same time, in order to make my last application "match the loan recommendation method and loan reminder system according to the account fund amount.
The related technology in the paper is evaluated in time, and a method for collecting/sending data using technology is proposed.
本发明实施例提供了一种贷款产品推荐技术的数据发送方法及贷款提示系统，能够通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率，同时，通过使用技术后的及时反馈，也方便厂家及时有效的采集相关技术的使用情况。
The embodiment of the invention provides a data sending method and a loan prompting system for a loan product recommendation technology, which can enable the system to timely find out whether the user has sufficient funds by matching the balance of the user account funds with the account fund balance set by the financial institution. Carry out daily production and life, and then timely discover loan business opportunities, improve user loan efficiency, achieve precise marketing, reduce financial institution marketing costs, improve capital use efficiency, and at the same time, timely feedback through the use of technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner. Usage.
本发明是这样实现的：一种贷款产品推荐技术的数据发送方法，包括以下步骤： The present invention is implemented as follows: a method for transmitting data of a loan product recommendation technique, comprising the following steps:
记录金融机构设定的账户资产额度信息和用户当前账户额度信息； Record the account asset quota information set by the financial institution and the current account quota information of the user;
读取金融机构设定的账户资产额度信息和用户当前账户额度信息； Reading the account asset quota information set by the financial institution and the current account quota information of the user;
判断用户当前账户额度是否低于设定的账户资产额度； Determine whether the current account quota of the user is lower than the set account asset amount;
若否，视为用户资金足够自身使用，不发出提示对用户进行贷款产品推荐的信息； If not, it is deemed that the user funds are sufficient for their own use, and no information is provided to prompt the user to recommend the loan product;
若是，发出提示对用户进行贷款产品推荐的信息，并向厂家预设的数据采集端发送技术使用数据。 If yes, issue a message prompting the user to recommend the loan product, and send the technical usage data to the data collection terminal preset by the manufacturer.
本发明实施例还提供了一种贷款提示系统，包括： The embodiment of the invention further provides a loan prompting system, comprising:
记录单元，用于记录金融机构设定的账户资产额度信息和用户当前账户额度信息； a recording unit, configured to record account asset amount information set by a financial institution and current account credit information of the user;
读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和用户当前账户额度信息；
a reading unit, the input end is connected to the output end of the recording unit, and is configured to read account asset quota information set by the financial institution and current account credit information of the user;
判断单元，该输入端与读取单元的输出端相连接，用于判断用户当前账户额度是否低于设定的账户资产额度；
a judging unit, wherein the input end is connected to the output end of the reading unit, and is configured to determine whether the current account quota of the user is lower than a set account asset quota;
调控单元，该输入端与判断单元的输出端相连接，若当前账户额度低于设定的账户资产额度时，发出提示对用户进行贷款产品推荐的信息；
a control unit, the input end is connected with the output end of the judging unit, and if the current account quota is lower than the set account asset quota, issuing a message prompting the user to recommend the loan product;
数据发送单元，该输入端与调控单元的输出端连接，用于向厂家预设的数据采集端发送技术使用数据。 The data sending unit is connected to the output end of the regulating unit, and is configured to send the technical usage data to the data collecting end preset by the manufacturer.
该发明通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率，同时，通过使用技术后的及时反馈，也方便厂家及时有效的采集相关技术的使用情况。
By matching the balance of the user account funds with the balance of the account funds set by the financial institution, the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner.
图 1 是本发明实施例提供的一种贷款产品推荐技术的数据发送方法 的流程示意图 ； 1 is a schematic flowchart of a data sending method of a loan product recommendation technology according to an embodiment of the present invention;
图 2 是本发明实施例提供的贷款提示系统的结构示意图。 FIG. 2 is a schematic structural diagram of a loan prompting system according to an embodiment of the present invention.
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
图 1
是发明实施例提供的一种贷款产品推荐技术的数据发送方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。 figure 1
It is a schematic flowchart of a data sending method of a loan product recommendation technology provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
在步骤 S101 中，记录金融机构设定的账户资产额度信息和用户当前账户额度信息。 In step S101, the account asset quota information set by the financial institution and the current account credit amount information of the user are recorded.
在步骤 S102 中，读取金融机构设定的账户资产额度信息和用户当前账户额度信息； In step S102, the account asset quota information set by the financial institution and the current account credit amount information of the user are read;
在步骤 S103 中，判断用户当前账户额度是否低于设定的账户资产额度；若否，进入步骤 S104
，视为用户资金足够自身使用，不发出提示对用户进行贷款产品推荐的信息；通过这一设置，可以有效的筛选用户，将不需要资金的用户排除在推介对象之外，实现金融机构的精准营销，此外，还可以减少对没有此类需求用户的骚扰，降低营销费用，提高营销收益；若是，进入步骤
S105 ，发出提示对用户进行贷款产品推荐的信息，并向厂家预设的数据采集端发送技术使用数据。 In step S103, it is determined whether the current account quota of the user is lower than the set account asset quota; if not, proceeding to step S104
It is considered that the user funds are sufficient for their own use, and no information is provided for prompting the user to recommend the loan product; through this setting, the user can be effectively screened, and users who do not need funds are excluded from the target of promotion, and the precision of the financial institution is realized. Marketing, in addition, can reduce harassment for users who do not have such demand, reduce marketing expenses, and increase marketing revenue; if so, enter the steps
S105: Send a message prompting the user to recommend the loan product, and send the technical use data to the data collection end preset by the manufacturer.
所述技术使用数据为用户使用该技术的数据，即所述方法走完前几个步骤时产生的数据，所述数据包括用户使用该技术的次数（如在一定时间内是第几次使用该技术）；使用该技术的具体时间点；使用该技术前后用户的相关操作等有助于技术提供方更好的评价技术的市场价值，并根据所述反馈更好的改进技术的数据。
The technology uses data for the user to use the data of the technology, that is, the data generated when the method completes the first few steps, the data includes the number of times the user uses the technology (eg, the first time using the technology within a certain period of time) Technology); the specific time point of using the technology; the user's related operations before and after using the technology can help the technology provider to better evaluate the market value of the technology, and better improve the technical data according to the feedback.
该发明通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率，同时，通过使用技术后的及时反馈，也方便厂家及时有效的采集相关技术的使用情况。
By matching the balance of the user account funds with the balance of the account funds set by the financial institution, the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner.
图 2 是本发明实施例提供的一种贷款提示系统的结构示意图，该贷款提示系统包括： 2 is a schematic structural diagram of a loan prompting system according to an embodiment of the present invention, where the loan prompting system includes:
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，数据发送单元 25
，其中 The recording unit 21, the reading unit 22, the judging unit 23, the regulating unit 24, and the data transmitting unit 25
,among them
记录单元 21 ，用于记录金融机构设定的账户资产额度信息和用户当前账户额度信息； The recording unit 21 is configured to record account asset quota information set by the financial institution and current account credit information of the user;
读取单元 22 ，该输入端与记录单元 21
的输出端相连接，用于读取金融机构设定的账户资产额度信息和用户当前账户额度信息； Reading unit 22, the input terminal and the recording unit 21
The output ends are connected to read the account asset quota information set by the financial institution and the current account quota information of the user;
判断单元 23 ，该输入端与读取单元 22
的输出端相连接，用于判断用户当前账户额度是否低于设定的账户资产额度； Judging unit 23, the input terminal and the reading unit 22
The output ends are connected to determine whether the current account quota of the user is lower than the set account asset amount;
调控单元 24 ，该输入端与判断单元 23
的输出端相连接，若当前账户额度低于设定的账户资产额度时，发出提示对用户进行贷款产品推荐的信息； Control unit 24, the input terminal and the judging unit 23
The output ends are connected, and if the current account quota is lower than the set account asset quota, a message prompting the user to recommend the loan product is issued;
数据发送单元 25 ，该输入端与调控单元 24
的输出端连接，用于向厂家预设的数据采集端发送技术使用数据。 Data transmitting unit 25, the input terminal and the regulating unit 24
The output connection is used to send technical usage data to the data acquisition terminal preset by the manufacturer.
其工作原理是：记录单元 21 记录金融机构设定的账户资产额度信息和用户当前账户额度信息；读取单元 22
读取金融机构设定的账户资产额度信息和用户当前账户额度信息；判断单元 23 判断用户当前账户额度是否低于设定的账户资产额度；调控单元 24
在当前账户额度低于设定的账户资产额度时，发出提示对用户进行贷款产品推荐的信息，同时，数据发送单元 25 向厂家预设的数据采集端发送技术使用数据。 The working principle is: the recording unit 21 records the account asset quota information set by the financial institution and the current account quota information of the user; the reading unit 22
Reading the account asset quota information set by the financial institution and the current account credit amount information of the user; the determining unit 23 determines whether the current account quota of the user is lower than the set account asset quota; the control unit 24
When the current account quota is lower than the set account asset quota, the information for prompting the user to recommend the loan product is issued, and at the same time, the data sending unit 25 sends the technical use data to the data collection terminal preset by the manufacturer.
该发明通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现用户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升用户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率，同时，通过使用技术后的及时反馈，也方便厂家及时有效的采集相关技术的使用情况。
By matching the balance of the user account funds with the balance of the account funds set by the financial institution, the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions and improve the efficiency of capital use. At the same time, through the timely feedback after using technology, it is also convenient for manufacturers to collect relevant technologies in a timely and effective manner.
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。
The above are only the preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the scope of the present invention. Inside.
Claims (2)
- 一种贷款产品推荐技术的数据发送方法，其特征在于，所述方法包括如下步骤： A data transmission method for a loan product recommendation technology, characterized in that the method comprises the following steps:记录金融机构设定的账户资产额度信息和用户当前账户额度信息；Record the account asset quota information set by the financial institution and the current account quota information of the user;读取金融机构设定的账户资产额度信息和用户当前账户额度信息；Reading the account asset quota information set by the financial institution and the current account quota information of the user;判断用户当前账户额度是否低于设定的账户资产额度；Determine whether the current account quota of the user is lower than the set account asset amount;若否，视为用户资金足够自身使用，不发出提示对用户进行贷款产品推荐的信息；If not, it is deemed that the user funds are sufficient for their own use, and no information is provided to prompt the user to recommend the loan product;若是，发出提示对用户进行贷款产品推荐的信息，并向厂家预设的数据采集端发送技术使用数据。If yes, issue a message prompting the user to recommend the loan product, and send the technical usage data to the data collection terminal preset by the manufacturer.
- 一种贷款提示系统，其特征在于，所述贷款提示系统包括：A loan prompting system, characterized in that the loan prompting system comprises:记录单元，用于记录金融机构设定的账户资产额度信息和用户当前账户额度信息；a recording unit, configured to record account asset amount information set by a financial institution and current account credit information of the user;读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和用户当前账户额度信息；a reading unit, the input end is connected to the output end of the recording unit, and is configured to read account asset quota information set by the financial institution and current account credit information of the user;判断单元，该输入端与读取单元的输出端相连接，用于判断用户当前账户额度是否低于设定的账户资产额度；a judging unit, wherein the input end is connected to the output end of the reading unit, and is configured to determine whether the current account quota of the user is lower than a set account asset quota;调控单元，该输入端与判断单元的输出端相连接，若当前账户额度低于设定的账户资产额度时，发出提示对用户进行贷款产品推荐的信息；a control unit, the input end is connected with the output end of the judging unit, and if the current account quota is lower than the set account asset quota, issuing a message prompting the user to recommend the loan product;数据发送单元，该输入端与调控单元的输出端连接，用于向厂家预设的数据采集端发送技术使用数据。The data sending unit is connected to the output end of the regulating unit, and is configured to send the technical usage data to the data collecting end preset by the manufacturer.
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