WO2020029387A1

WO2020029387A1 - Wechat-based method and system for making appointment for face-to-face signature for loans, and device and storage medium

Info

Publication number: WO2020029387A1
Application number: PCT/CN2018/106692
Authority: WO
Inventors: 闫保行
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-08-08
Filing date: 2018-09-20
Publication date: 2020-02-13
Also published as: CN109165758A

Abstract

A WeChat-based method and system for making an appointment for a face-to-face signature for loans, and a computer device and a storage medium. The method comprises: a server acquiring a face-to-face signature request initiated by a user by means of a client side (S101); the server determining, based on service logic, whether a client is qualified to make an appointment for a face-to-face signature, and if so, collecting face-to-face signature information required during face-to-face signature according to the request, and the client side sending the collected face-to-face signature information to the server (S102); a positioning module of the client side searching for, after the client authorizes position information, outlets within a specified radius by means of determining the current position of the client and displaying the specific distances of the outlets, and displaying an estimated time of arrival at the outlets in conjunction with the distances and means of transportation (S103); respectively calculating the average processing time of a face-to-face signature service for loans in different periods of time; and the client side receiving the face-to-face signature information, outlets selected by the client and the periods of time, and completing a face-to-face signature appointment process (S105). The method is convenient to use, improves working efficiency of a face-to-face signature, facilitates a client in selecting suitable face-to-face signature outlets and improves satisfaction to the client.

Description

WeChat-based loan face book appointment method, system, equipment and storage medium

This application claims the priority of a Chinese patent application filed on August 08, 2018, with application number 201810894307.9, and the invention name is "WeChat-based loan face-booking reservation method, system, equipment, and storage medium", its entire content Incorporated by reference in this application.

Technical field

The present application relates to the field of information technology, and in particular, to a WeChat-based loan face-booking appointment method, system, computer equipment, and storage medium.

Background technique

Face-to-face signing refers to the process of the borrower (together with the co-payer or guarantor) to bring the original legal and valid documents, the seal and the cost of the loan to the loan bank to pay the cost of the loan and to interview and sign the loan. One of the missing processes. For the traditional loan system, if you want to notify the customer to make an appointment, you need to explain to the customer in detail several addresses that are closer to the customer, and then the customer often needs to use other map apps to enter and query for more appropriate addresses. The whole process is tedious, time-consuming and labor-intensive. During the process, customers also tend to lose patience, leading to the loss of quality customers. Moreover, this method is not flexible and is not conducive to the back-end agents to introduce and sell related products to customers.

Summary of the invention

Based on this, it is necessary to provide a WeChat-based loan face appointment booking method, system, computer equipment, and storage medium to address the disadvantages of the current loan face appointment booking method.

A WeChat-based loan appointment booking method includes:

The server obtains the interview request initiated by the user through the client;

The server judges whether the client is qualified for face-to-face appointments based on business logic, and if so, collects face-to-face information required during the face-to-face process through the client according to the face-to-face request, and the client sends the collected face-to-face information To the server;

The positioning module provided on the client searches for outlets within a specified radius by locating the customer's current location after displaying the authorized location information of the customer, and displays the specific distance of the outlets, and displays the estimated arrival required to reach the outlets in combination with the distance and traffic mode time;

The outlets divide the time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the density of demand for the loan face-to-face business in different time periods or to reserve loan face-to-face business in different time periods according to the type of customers. Demand density

The client receives the face-to-face information, the network and time period selected by the client, and completes the face-to-face appointment booking process.

A WeChat-based loan face-booking appointment system. The WeChat-based loan face-booking appointment system includes:

An acquisition module, configured to enable a server to acquire a face-to-face request initiated by a user through a client;

The judging module is configured to enable the server to judge whether the client has a qualified face-to-face appointment based on business logic, and if so, collect the face-to-face information required by the client through the client according to the face-to-face request, and the client will collect the face-to-face signature Information is sent to the server;

The positioning module is configured to enable the positioning module provided on the client to search for a network point within a specified radius by locating the customer's current location and display the specific distance of the network point after displaying the authorized location information of the customer, and display the distance to the network point based on the distance and traffic mode. Required estimated time of arrival;

The calculation module is configured to make the outlets divide the time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the demand density or different requirements for the loan face-to-face business in different time periods according to the type of customers. Demand density of appointment loan face-to-face business during the time period;

The receiving module is configured to enable the client to receive face-to-face information, a network point and time period selected by the client, and complete a face-to-face appointment booking process.

A computer device includes a memory and a processor. The memory stores computer-readable instructions. When the computer-readable instructions are executed by the processor, the processor causes the processor to perform the WeChat-based loan face-booking appointment method. A step of.

A storage medium storing computer-readable instructions, when the computer-readable instructions are executed by one or more processors, cause the one or more processors to execute the steps of the WeChat-based loan face book appointment method.

WeChat-based loan face-to-face appointment booking method, system, computer equipment, and storage medium, obtains the face-to-face request initiated by the user through the client through the server, and the server determines whether the client has the qualification for face-to-face appointment based on business logic, and if so, passes the client through the request according to the request Collect the face signing information required during the face signing process, and the client sends the collected face signing information to the server. The positioning module set in the client's device searches for the specified radius by locating the customer's current position after the customer authorizes it to obtain the customer's current position information Within the network and display the specific distance of the network, combined with the distance and traffic mode to display the estimated arrival time required to reach the network, the network divides time into different time periods, the server calculates the loan face-to-face business at different times The average processing time of the segment, and according to the type of customer, calculate the density of demand for applying for loan face-to-face business in different time periods or the density of demand for booking loan-to-face business in different time periods. The types of customers in this application include ordinary customers and VIP customers, which are portraits of customers based on the total deposits of the customers in the bank or the total deposits of recent months or the credit information of the customers. This application uses the above scheme to identify the type of customer, receive face-to-face information, the customer's selected outlets, and the time period, complete the face-to-face appointment booking process, be convenient to use, improve the efficiency of face-to-face, and help customers choose the right face-to-face outlets and increase customer satisfaction.

BRIEF DESCRIPTION OF THE DRAWINGS

Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the detailed description of the preferred embodiments below. The drawings are only for the purpose of illustrating preferred embodiments and are not to be considered as limiting the present application.

FIG. 1 is a flowchart of a WeChat-based loan face-booking appointment method according to an embodiment; FIG.

2 is a structural block diagram of a WeChat-based loan face-booking reservation system according to an embodiment;

Figure 3 is a block diagram of the internal structure of a computer device in an embodiment.

detailed description

In order to make the purpose, technical solution, and advantages of the present application clearer, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the application, and are not used to limit the application.

Those skilled in the art will understand that, unless specifically stated otherwise, the singular forms "a", "an", "the" and "the" may include plural forms. It should be further understood that the word "comprising" used in the specification of the present application refers to the presence of the described features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, Integers, steps, operations, elements, components, and / or groups thereof.

As a better embodiment, as shown in FIG. 1, a WeChat-based loan face-booking appointment method includes the following steps:

Step S101: The server obtains a face-to-face request initiated by a user through a client;

This technical solution addresses the problems of customers' difficulty in selecting a suitable address for face-to-face interviews, and the inefficient work of guiding customers to face-to-face interviews. It provides a method for making appointments for all face-to-face outlets around the area. The method is to bind the agent by associating the mobile phone number. Under the guidance of the agent, the customer enters the appointment interview menu configured by the WeChat public. After the customer who can reserve the appointment chooses the appropriate city, all the outlets in the city and each outlet are displayed through the positioning function. The distance to the customer's current location, supplemented by the corresponding Baidu map link. After the customer compares and filters, select the appropriate outlet to inform the agent, and then make an appointment for the appropriate time. The agent will arrange the reception staff to cooperate with the interview at the corresponding time. Save time, make customers more convenient, and increase customer favorability.

Obtain a face-to-face request initiated by the user through the client, collect the face-to-face information required during the face-to-face process, and send the face-to-face information to the server. The face-to-face information includes, but is not limited to, the main lender, co-lender, main lender's spouse, and The name, age and ID number of the co-lender's spouse, etc.

The bank's server pre-sets a request entrance for customers to remotely send appointment booking requests. The customer uses a remote terminal tool such as a mobile phone to access the menu homepage through the WeChat client. After paying attention to the system's public account, click to enter the registration homepage, enter the mobile phone number to register, and send Request for appointment. According to whether the mobile phone number entered by the customer has a registered history in the system to determine whether the agent is bound or not, and then preset different operating steps, if the customer has previously bound the agent, the agent receives the appointment interview After the request, the customer is guided to directly enter the appointment interview menu configured by the WeChat public by sending a short message; if the customer is not bound to the agent, the page will remind the customer to enter the mobile phone number to register, and after successful registration, enter the appointment interview menu under the guidance of the agent. If it succeeds, a failed interface will pop up, and the appointment appointment cannot be performed.

In step S102, the server determines whether the client has the qualification for face-to-face appointment based on the business logic, and if so, collects the face-to-face information required during the face-to-face process through the client according to the face-to-face request, and the client will collect the face-to-face information Sending to the server;

The customer who successfully binds the agent enters the appointment interview menu under the guidance of the agent. The system preset by the background server determines whether the customer is eligible for the appointment interview based on the business logic in the loan. By checking the customer's current loan status and the customer's application Various materials submitted during the loan and the basic personal information of the customer are retrieved, and the judgment results are fed back to the agent in a timely manner.

The business logic refers to the logic for judging whether the customer meets the loan conditions. In this technical solution, the customer's current loan status, the customer's personal basic information, and various materials submitted by the customer when applying for a loan can be met in person. The status indicates that the previous processes have been successfully passed.

Step S103: The positioning module provided on the client searches for outlets within a specified radius by locating the customer's current location and displays the specific distance of the outlets after the authorized location information of the customer, and displays the distance required to reach the outlets in combination with the distance and traffic mode Expected arrival time

The positioning module of the mobile terminal obtains the location information of the client user through the telecommunication mobile operator's radio communication network such as GSM network, CDMA network or external positioning methods such as GPS. After the customer authorizes the location information, it searches for the specified radius by locating the customer's current location. And display the specific distances of these outlets, and display the estimated time of arrival to these outlets in combination with distance and transportation methods, including but not limited to walking, taxi, etc.

In step S104, the network divides the time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the density of demand for the loan face-to-face business in different time periods or the appointments in different time periods according to the type of customers. Demand density of loan face-to-face business;

The outlets divide the time into different time periods, and calculate the average processing time of the loan face-to-face business in different time periods, and calculate the density of demand for the loan face-to-face business in different time periods or the density of demand for the appointment of loan face-to-face business in different time periods according to the type of customers. . In the process of data preprocessing, outlets divide time into different time periods, such as 9:00 to 10:00, 10:00 to 11:00, ..., 16:00 to 17:00, and so on. The standard for the time segmentation of business transactions is based on the start time of business transactions. For example, the business that starts at 9:50 and ends at 10:05. This business should be included in the time period from 9:00 to 10:00. If the customer is an ordinary customer or a VIP customer, the outlets separately calculate the average processing time of the loan face-to-face business in different time periods and the density of demand for processing a certain business in different time periods.

In step S105, the client receives the face-to-face information, the network point and time period selected by the client, and completes the face-to-face appointment booking process.

Receive the face-to-face information, the customer's selected network and time period, and complete the face-to-face appointment booking process. The encrypted face-to-face information including identity information, contract information, and loan application forms are encrypted. The encryption algorithm can be 3DES (Triple DES, DES-based symmetric algorithm), DES (Data Encryption Standard, symmetric algorithm), asymmetric encryption algorithm, and IDEA (International Data Encryption Algorithm).

In one embodiment, the outlets divide the time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the demand density or different requirements for the loan face-to-face business in different time periods according to the type of customers. The demand density of appointment loan face-to-face business during the time period further includes:

If the customer is a VIP customer, you can choose to enter the network, radius, or processing time of the loan face signing service in the client; if the customer chooses to enter the network point of the loan face signing business, the server will make appointments at different times according to the network point Compare the density of demand for the loan face-to-face business and recommend the best time period for customers; if the customer chooses to enter the radius of the face-to-face loan business, the server will estimate the arrival time through different transportation methods based on the radius and The three input items of estimated arrival time, the average processing time of the loan face-to-face business at different time periods, and the demand density of the appointment loan face-to-face business at different time periods establish a model and derive a score, and use this score to evaluate the recommendations of different outlets to handle the business. The lower the score, the higher the recommendation level. If the customer chooses to enter the time for the loan face-to-face business, the default radius value is 3km. According to the distance of each outlet within 3km, the estimated arrival time is determined by different transportation methods and the estimated arrival time. Time, loan face signing business The three input items, the average processing time in this time period and the demand density of booking loan face-to-face business in this time period, build a model and obtain a score. The score is used to evaluate the degree of recommendation of different outlets to handle the business. The lower the score, the lower the degree of recommendation. The higher. For example, the client, Mr. Wang, wants to apply for a face-to-face loan for personal home loan at outlet 2. Mr. Wang has authorized the client to access the function of the current location. Mr. Wang entered the user name, card number, and password on the client, and optionally entered the second site. The client performs a customer portrait based on the customer's input information and personal credit information. It is known that Mr. Wang's card has a balance of more than two million in the past six months, and the credit information indicates that Mr. Wang is a shareholder of a large company. The customer portrait results are VIP customers. After authorization, the positioning module searches for this network point by locating Mr. Wang's current location with a distance of 800m. The historical data of the outlets are divided according to 4 time periods, which are 10:00 to 11:00, 11:00 to 12:00, 14:00 to 15:00, and 15:00 to 16:00. The demand densities for appointments for consulting and wealth management products during this time period are: 5, 3, 2, and 4, respectively. As a result, it can be seen that the demand density of the appointment for the face-to-face loan business between 14:00 and 15:00 is the lowest, and the highest degree of recommendation is the recommendation result. Mr. Wang completed the appointment based on the recommendation result.

In one embodiment, the customer types include ordinary customers and VIP customers.

Bank customer types generally include ordinary customers and VIP customers, and can be further subdivided. The specific classification criteria can be divided according to deposits, credits, etc.

In one embodiment, the type of the customer is to identify the type of the customer based on the total amount of the customer's deposit in the bank or the total amount of deposit in recent months or the customer's credit data.

The customer enters the username, password, and loan face-to-face information on the client. The client identifies and classifies the customer based on the customer's total deposit in the bank or the total deposit in recent months or the customer's credit data. The types include ordinary customers and VIP customers.

In one embodiment, the calculation formula of the score is: score = estimated time of arrival + average time for loan face-to-face business in a certain period of time X demand density for loan face-to-face business in a certain period, the estimated time of arrival, loan The unit of the average processing time for the face-to-face business in a certain period is minutes.

If the customer chooses to enter the radius of the business they want to handle, the estimated arrival time is determined by different transportation methods based on the radius and distance, and the average arrival time of the loan face-to-face business in different time periods based on the estimated arrival time, and the process of the loan face-to-face business in different time periods. The three input items of demand density establish a model and derive a score. The score is used to evaluate the degree of recommendation of different outlets to handle the business. The lower the score, the higher the degree of recommendation. The calculation formula for this score is: score = estimated arrival time + average time for loan face-off business in a certain time period X density of demand for loan face-off business for a certain period of time, estimated arrival time, average time for loan face-off business in a certain period of time The unit of time is minutes. For example, the first branch is 3km away from the customer, and the estimated time of arrival is 3 minutes by car. The average time for the face-to-face loan application is 10 minutes, and the density of demand in the current period is 5 people. The second branch is 500m away from the customer and walks for 8 minutes. The average time for business processing is 12 minutes, and the current demand density is 10 people. The scores of outlet 1 and outlet 2 are: score (outlet 1) = 3 + 10 * 5 = 53, and score (outlet 2) = 8+ 12 * 10 = 128.

As shown in FIG. 2, in one embodiment, a WeChat-based loan face-booking appointment reservation system is provided. The WeChat-based loan face-booking appointment reservation system includes:

The judging module is configured to enable the server to judge whether the client is qualified for the face-to-face appointment based on the business logic, and if so, collect the face-to-face information required during the face-to-face process through the client according to the face-to-face request, and the client will collect all the face-to-face information Send the face-to-face signature information to the server;

Based on the above embodiment, in a preferred embodiment, the calculation module is further configured that if the customer is a VIP customer, the client can choose to enter the outlet, radius or processing time of the loan face-to-face business in the client; if the customer chooses Enter the outlet where you want to apply for the loan face-to-face business, the server will compare the demand density of the loan face-to-face business for booking at different time periods, and recommend the best time period for the customer. If the customer chooses to enter the face-to-face loan business, Radius, the server will estimate the arrival time through different modes of transportation according to the radius distance, and according to the estimated arrival time, the average processing time of the loan face-to-face business in different time periods, and the demand density of booking loan face-to-face business in different time periods. Item to build a model and get a score. The score is used to evaluate the degree of recommendation of different outlets for the business. The lower the score, the higher the degree of recommendation. If the customer chooses to enter the time for the loan face-to-face business, the default radius value is 3km. According to the distance of each network point within 3km, communication Estimate the arrival time of different modes of transportation, and build a model and obtain a score based on the three input items: estimated arrival time, the average processing time of the loan face-to-face business during that time period, and the demand density of the appointment loan face-to-face business during the time period. The score evaluates the degree of recommendation of different outlets to handle the business. The lower the score, the higher the degree of recommendation.

In one embodiment, as shown in FIG. 3, a computer device is proposed. The computer device includes a processor, a nonvolatile storage medium, a memory, and a network interface connected through a system bus. Among them, the non-volatile storage medium of the computer device stores an operating system, a database, and computer-readable instructions, and a database may store control information sequences; a processor of the computer device is used to provide computing and control capabilities to support the entire computer device. Operation of the computer device; computer-readable instructions may be stored in the memory of the computer device, and when the computer-readable instructions are executed by the processor, the processor may cause the processor to perform the steps of the WeChat-based loan face-booking appointment method in the foregoing embodiments. .

In one embodiment, a storage medium storing computer-readable instructions is provided. When the computer-readable instructions are executed by one or more processors, the one or more processors are caused to execute all the steps in the foregoing embodiments. Describes the steps of the WeChat-based loan appointment booking method.

A person of ordinary skill in the art may understand that all or part of the steps in the various methods of the foregoing embodiments may be implemented by a program instructing related hardware. The program may be stored in a computer-readable storage medium. The storage medium may include: Read-only memory (ROM, Read Only Memory), random access memory (RAM, Random Access Memory), magnetic disks or optical disks, etc.

The technical features of the embodiments described above can be arbitrarily combined. In order to simplify the description, all possible combinations of the technical features in the above embodiments have not been described. However, as long as there is no contradiction in the combination of these technical features, It should be considered as the scope described in this specification.

The above-mentioned embodiments only express some exemplary embodiments of the present application, and their descriptions are more specific and detailed, but cannot be understood as a limitation on the scope of the patent of the present application. It should be noted that, for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can be made, which all belong to the protection scope of the present application. Therefore, the protection scope of this application patent shall be subject to the appended claims.

Claims

A WeChat-based loan appointment booking method includes:

The server obtains the interview request initiated by the user through the client;

The server judges whether the client is qualified for face-to-face appointments based on business logic, and if so, collects face-to-face information required during the face-to-face process through the client according to the face-to-face request, and the client sends the collected face-to-face information To the server;

The positioning module provided on the client searches for outlets within a specified radius by locating the customer's current location after displaying the authorized location information of the customer, and displays the specific distance of the outlets, and displays the estimated arrival required to reach the outlets in combination with the distance and traffic mode time;

The outlets divide the time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the density of demand for the loan face-to-face business in different time periods or to reserve the loan face-to-face business in different time periods according to the type of customers. Demand density

The client receives the face-to-face information, the network and time period selected by the client, and completes the face-to-face appointment booking process.
The WeChat-based loan face signing appointment method according to claim 1, wherein the outlets divide the time into different time periods, and the server calculates the average processing time of the loan face signing business in different time periods, and calculates different according to the type of customer The density of demand for loan face-to-face business during the time period or the demand density of appointment loan for face-to-face business at different time periods further includes:

If the customer is a VIP customer, you can choose to enter the network, radius, or processing time of the loan face-to-face business in the client;

If the customer chooses to enter the outlets that want to apply for the loan face-to-face business, the server will make a comparison according to the demand density of the outlets for the loan face-to-face business at different time periods, and recommend the best time period for customers;

If the customer chooses to enter the radius of the face-to-face loan business, the server will estimate the arrival time by different transportation methods based on the radius distance, and make an appointment for the loan based on the estimated arrival time, the average application time of the face-to-face loan business in different time periods, and different time periods. The three input items of the demand density of the face-to-face business establish a model and obtain a score. The score is used to evaluate the degree of recommendation of different outlets to handle the business. The lower the score, the higher the degree of recommendation;

If the customer chooses to enter the time when they want to apply for the loan face-to-face business, the default radius value is 3km. Based on the distance of each branch within 3km, the estimated arrival time is determined by different transportation methods. The three input items, average transaction time and demand density of the appointment loan face-to-face business during this time period, establish a model and obtain a score. The score is used to evaluate the degree of recommendation of different outlets for the business. The lower the score, the higher the degree of recommendation.
The WeChat-based loan face-booking appointment method according to claim 1, wherein the customer types include ordinary customers and VIP customers.
The WeChat-based loan face-booking appointment method according to claim 1, wherein the customer type is a portrait of the customer based on the customer's total deposit in the bank or the total deposit in recent months or the customer's credit information, Identify the type of customer.
The WeChat-based loan face signing appointment method according to claim 2, wherein the calculation formula of the score is: score = estimated arrival time + average time of loan face signing business in a certain period of time X handling the face signing of a loan in a certain period of time The unit of the demand density is the minute of the estimated arrival time and the average processing time of the loan face-to-face business in a certain period of time.
A WeChat-based loan interview booking system includes:

An acquisition module, configured to enable a server to acquire a face-to-face request initiated by a user through a client;

The judging module is configured to enable the server to judge whether the client is qualified for the face-to-face appointment based on the business logic, and if so, collect the face-to-face information required during the face-to-face process through the client according to the face-to-face request, and the client will collect all the face-to-face information Send the face-to-face signature information to the server;

The positioning module is configured to enable the positioning module provided on the client to search for a network point within a specified radius by locating the customer's current location and display the specific distance of the network point after displaying the authorized location information of the customer, and display the distance to the network point based on the distance and traffic mode. Required estimated time of arrival;

The calculation module is configured to make the outlets divide the time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the demand density or different requirements for the loan face-to-face business in different time periods according to the type of customers. Demand density of appointment loan face-to-face business during the time period;

The receiving module is configured to enable the client to receive face-to-face information, a network point and time period selected by the client, and complete a face-to-face appointment booking process.
The WeChat-based loan face-booking reservation system according to claim 6, wherein the calculation module is further configured to select a network, radius, or processing time of the client who wants to apply for the loan face-booking service if the customer is a VIP customer ; If the customer chooses to enter the outlets that want to apply for the loan face signing business, the server will compare according to the demand density of the outlets for the loan face signing business at different time periods, and recommend the best time period for the customers; if the customers choose to enter the hopes, For the radius of the face-to-face loan business, the server will estimate the arrival time by different transportation methods according to the radius distance, and according to the estimated arrival time, the average processing time of the face-to-face loan business in different time periods, and the density of demand for the appointment of face-to-face loan business. These three inputs are used to build a model and obtain a score. The score is used to evaluate the degree of recommendation of different outlets for the business. The lower the score, the higher the degree of recommendation. If the customer chooses to enter the time for the loan face-to-face business, the default radius. Value is 3km, based on within 3km The distance of outlets, the estimated arrival time by different transportation methods, and the model is obtained by the three input items of estimated arrival time, the average processing time of the loan face-to-face business during the time period, and the demand density of the appointment loan face-to-face business during the time period. A score is used to evaluate the degree of recommendation of different outlets to handle the business. The lower the score, the higher the degree of recommendation.
The WeChat-based loan face-booking appointment system according to claim 6, wherein the customer types include ordinary customers and VIP customers.
The WeChat-based loan face-booking appointment system according to claim 6, wherein the customer type is a portrait of the customer based on the customer's total deposit in the bank or the total deposit in recent months or the customer's credit information, Identify the type of customer.
The WeChat-based loan face-booking reservation system according to claim 7, wherein the calculation formula of the score is: score = estimated arrival time + average time for loan face-booking business in a certain period of time X to handle the loan face-to-face business The unit of the demand density is the minute of the estimated arrival time and the average processing time of the loan face-to-face business in a certain period of time.
A computer device includes a memory and a processor. The memory stores computer-readable instructions. When the computer-readable instructions are executed by the processor, the processor causes the processor to perform the following steps:

The server obtains the interview request initiated by the user through the client;

The server judges whether the client is qualified for face-to-face appointments based on business logic, and if so, collects face-to-face information required during the face-to-face process through the client according to the face-to-face request, and the client sends the collected face-to-face information To the server;

The positioning module provided on the client searches for outlets within a specified radius by locating the customer's current location after displaying the authorized location information of the customer, and displays the specific distance of the outlets, and displays the estimated arrival required to reach the outlets in combination with the distance and traffic mode time;

The outlets divide the time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the density of demand for the loan face-to-face business in different time periods or to reserve the loan face-to-face business in different time periods according to the type of customers. Demand density

The client receives the face-to-face information, the network and time period selected by the client, and completes the face-to-face appointment booking process.
The computer equipment according to claim 11, wherein the outlets divide time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the processing of different time periods according to the type of customers. When the demand density of the loan face-to-face business or the appointment density of the loan face-to-face business is reserved at different time periods, the processor is further caused to perform the following steps:

If the customer is a VIP customer, you can choose to enter the network, radius, or processing time of the loan face-to-face business in the client;

If the customer chooses to enter the outlets that want to apply for the loan face-to-face business, the server will compare according to the demand density of the outlets for booking the loan face-to-face business in different time periods, and recommend the best time period for customers;

If the customer chooses to enter the radius of the face-to-face loan business, the server will estimate the arrival time by different transportation methods based on the radius distance, and make an appointment for the loan based on the estimated arrival time, the average application time of the face-to-face loan business in different time periods, and different time periods The three input items of the demand density of the face-to-face business establish a model and obtain a score. The score is used to evaluate the degree of recommendation of different outlets to handle the business. The lower the score, the higher the degree of recommendation;

If the customer chooses to enter the time when they want to apply for the loan face-to-face business, the default radius value is 3km. Based on the distance of each branch within 3km, the estimated arrival time is determined by different transportation methods. The three input items, average transaction time and demand density of the appointment loan face-to-face business during this time period, establish a model and obtain a score. The score is used to evaluate the degree of recommendation of different outlets for the business. The lower the score, the higher the degree of recommendation.
A computer device according to claim 11, wherein said customer types include ordinary customers and VIP customers.
A computer device according to claim 11, wherein the customer type is to identify the customer based on the customer's portrait of the customer's total deposit in the bank or the total deposit in recent months or the customer's credit data. Types of.
The computer equipment according to claim 11, wherein the calculation formula of the score is: score = estimated arrival time + average time for loan face-to-face business in a certain period of time X demand density for handling face-to-face loan in a certain period of time The unit of the estimated arrival time and the average processing time of the loan face-to-face business in a certain period of time is minutes.
A storage medium storing computer-readable instructions, wherein when the computer-readable instructions are executed by one or more processors, the one or more processors execute the following steps:

The server obtains the interview request initiated by the user through the client;

The server judges whether the client is qualified for face-to-face appointments based on business logic, and if so, collects face-to-face information required during the face-to-face process through the client according to the face-to-face request, and the client sends the collected face-to-face information To the server;

The positioning module provided on the client searches for outlets within a specified radius by locating the customer's current location after displaying the authorized location information of the customer, and displays the specific distance of the outlets, and displays the estimated arrival required to reach the outlets in combination with the distance and traffic mode time;

The outlets divide the time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and calculates the density of demand for the loan face-to-face business in different time periods or to reserve the loan face-to-face business in different time periods according to the type of customers. Demand density

The client receives the face-to-face information, the network and time period selected by the client, and completes the face-to-face appointment booking process.
The storage medium storing computer-readable instructions according to claim 16, wherein the outlets divide time into different time periods, and the server calculates the average processing time of the loan face-to-face business in different time periods, and according to the customer Type, calculating the density of demand for handling the loan face-to-face business in different time periods or the density of demand for booking loan-to-face business in different time periods, further causing the processor to perform the following steps:

If the customer is a VIP customer, you can choose to enter the network, radius, or processing time of the loan face-to-face business in the client;

If the customer chooses to enter the outlets that want to apply for the loan face-to-face business, the server will compare according to the demand density of the outlets for the loan face-to-face business at different time periods, and recommend the best time period for customers;

If the customer chooses to enter the radius of the face-to-face loan business, the server will estimate the arrival time by different transportation methods based on the radius distance, and make an appointment for the loan based on the estimated arrival time, the average application time of the face-to-face loan business in different time periods, and different time periods The three input items of the demand density of the face-to-face business establish a model and obtain a score. The score is used to evaluate the degree of recommendation of different outlets to handle the business. The lower the score, the higher the degree of recommendation;

If the customer chooses to enter the time when they want to apply for the loan face-to-face business, the default radius value is 3km. Based on the distance of each branch within 3km, the estimated arrival time is determined by different transportation methods. The three input items, average transaction time and demand density of the appointment loan face-to-face business during this time period, establish a model and obtain a score. The score is used to evaluate the degree of recommendation of different outlets for the business. The lower the score, the higher the degree of recommendation.
The storage medium storing computer-readable instructions according to claim 16, wherein the customer types include ordinary customers and VIP customers.
The storage medium storing computer-readable instructions according to claim 16, wherein the customer type is based on the customer's total deposit in the bank or the total deposit in recent months or the customer's credit data to the customer Perform a portrait to identify the type of customer.
The storage medium storing computer-readable instructions according to claim 16, wherein the calculation formula of the score is: score = estimated arrival time + average time for processing the loan face-to-face business in a certain time period X a certain time period The density of demand for the face-to-face loan business, the unit of the estimated arrival time and the average processing time for the face-to-face loan business in a certain period is minutes.