CN109857492A - Loan transaction processing method, device, computer equipment and readable storage medium storing program for executing - Google Patents
Loan transaction processing method, device, computer equipment and readable storage medium storing program for executing Download PDFInfo
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- CN109857492A CN109857492A CN201811530750.4A CN201811530750A CN109857492A CN 109857492 A CN109857492 A CN 109857492A CN 201811530750 A CN201811530750 A CN 201811530750A CN 109857492 A CN109857492 A CN 109857492A
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Abstract
The present invention discloses a kind of loan transaction processing method, comprising: receives the loan requests that terminal is sent, includes application information in the loan requests；There is provided the loan limit display interface of Dynamically Announce, wherein include the wheel disc of number corresponding with preset maximum limit on lendings degree digit in the loan limit display interface, during Dynamically Announce, display number is recycled with preset revolving speed in each wheel disc；Corresponding final loan limit is determined according to the loan requests；The final loan limit is shown by the number of wheel disc in the loan limit display interface.The present invention can solve the problems, such as undesirable for user's conversion ratio in loan transaction in the prior art, the case where can improving customer churn, improve user's conversion ratio in loan transaction.
Description
Technical field
The present invention relates to field of computer technology, and in particular to a kind of loan transaction processing method, device, computer equipment
And readable storage medium storing program for executing.
Background technique
With economic fast development, loan transaction is also more more and more universal.Currently, loan user can by with loan industry
It is engaged in being operated in relevant APP to complete loan application, during loan application, for example can be uploaded and be applied by APP
Information etc. is inquired by lending agency based on the personal reference situation to user such as application information, then according to query result
To determine loan limit that the user can apply and inform user.In existing scheme, on the one hand, application information is related to various aspects
Content, user apply every time loan when require to repeatedly input application information, operating efficiency is lower；On the other hand, it is submitting
Before the loan limit that can apply after application information to determination, usually only display include such as " application, which is submitted, to be completed " or
The page of contents such as " in loan limit generations ", user can only bear with the generation of loan limit as a result, due to frequent at this time
There is a situation where that backstage reference query time is very long and causes period of reservation of number very long, user be easy to because lose patience and
It abandons waiting, causes customer churn, it is undesirable so as to cause user's conversion ratio.
In the related technology for the problem that operating efficiency is low and user's conversion ratio is undesirable in loan transaction, not yet mention at present
Effective solution scheme out.
Summary of the invention
The purpose of the present invention is to provide a kind of loan transaction processing method, device, computer equipment and readable storage mediums
Matter, and then the case where overcome above-mentioned problems of the prior art to a certain extent, customer churn can be improved, and then improve
User's conversion ratio.
The present invention is to solve above-mentioned technical problem by following technical proposals:
According to an aspect of the invention, there is provided a kind of loan transaction processing method, includes the following steps:
The loan requests that terminal is sent are received, include application information in the loan requests；
There is provided Dynamically Announce loan limit display interface, wherein include in the loan limit display interface with it is preset
Maximum limit on lendings degree digit corresponds to the wheel disc of number, during Dynamically Announce, with preset revolving speed circulation in each wheel disc
Display number；
Corresponding final loan limit is determined according to the loan requests；
The final loan limit is shown by the number of wheel disc described in the loan limit display interface.
Further, the method also includes: the operation interface for inputting application information is provided；
Receive the loan requests that terminal is sent, comprising:
After receiving key message by the operation interface, judge the key message whether there is in it has been suggested that
In the loan requests crossed or it whether there is information associated with key message, the key message includes name and/or body
Part card number；
If so, obtaining application information or information associated with key message it has been suggested that in the loan requests crossed
And it is loaded into the operation interface.
Further, the method also includes:
Reception is operated and is saved to the modification for the application information being loaded into the operation interface.
Further, the target loan product information selected in the loan requests including user；
Corresponding final loan limit is determined according to the loan requests, comprising:
It is inquired according to reference situation of the application information in the loan requests to user to obtain the reference of user
Scoring；
Judge whether the reference scoring of user reaches the corresponding preset access scoring of the target loan product；
If so, the amount of money according to corresponding to property intermediate item of the preset weight to user and target loan product
Preset minimum amount is weighted, and user's property intermediate item includes the assets of user, the income of user；
Corresponding final loan limit is determined according to calculated result.
Further, in the number by the final loan limit by wheel disc described in the loan limit display interface
After being shown, further includes:
Acquire the face image of user；
The user of satisfaction situation to determine to(for) final loan limit is analyzed the face image of user；
In user's situation unsatisfied for loan limit, judge whether user occurs practical withdraw deposit in preset number of days
Behavior；
If it is not, then recommending the loan product to match with application information to the user.
Further, the user of satisfaction feelings to determine to(for) final loan limit are analyzed the face image of user
Condition, comprising:
The face image of user is divided into multiple portions according to preset division rule；
Morphological analysis is carried out to each section and extracts corresponding feature；
It is a total vector value by the feature merger of multiple portions；
The vector value is compared with the mood vector value in preset mood vector library, with obtain with each preset mood to
The degree of approximation of magnitude；
The distribution situation of user emotion is determined according to degree of approximation result；
Determine user for the satisfaction situation of final loan limit according to the distribution situation of user emotion.
Further, in the number by the final loan limit by wheel disc described in the loan limit display interface
After being shown, further includes: send the prompt information of refund time and the repayment amount for informing each issue of user to terminal；
The method also includes:
In the case where pressing volume repayment of bank loans on time each issue of user, send to terminal for informing user in current loan
All issues are able to ascend the prompt information of loan limit after paying off.
To achieve the goals above, the present invention also provides a kind of loan transaction processing units, comprising:
Loan requests receiving module includes letter of application in the loan requests for receiving the loan requests of terminal transmission
Breath；
Loan limit display interface provides module, for providing the loan limit display interface of Dynamically Announce, wherein described
It include the wheel disc of number corresponding with preset maximum limit on lendings degree digit in loan limit display interface, in the process of Dynamically Announce
In, display number is recycled with preset revolving speed in each wheel disc；
Loan limit determining module, for determining corresponding final loan limit according to the loan requests；
Loan limit display module, for passing through the final loan limit described in the loan limit display interface
The number of wheel disc is shown.
Further, described device further include: operation interface provides module, for providing the operation for inputting application information
Interface；
Loan requests receiving module, comprising:
First judging unit, for judging the key message after receiving key message by the operation interface
With the presence or absence of in it has been suggested that in the loan requests crossed or whether there is information associated with key message, the key is believed
Breath includes name and/or ID card No.；
Information loading unit, for obtaining it has been suggested that mistake in the case where the judging result of the first judging unit, which is, is
Loan requests in application information or information associated with key message and be loaded into the operation interface.
Further, the loan requests receiving module, further includes:
Receiving unit is modified, the modification for the application information being loaded into the operation interface is operated and protected for receiving
It deposits.
Further, the target loan product information selected in the loan requests including user；
Loan limit determining module, comprising:
Query unit, for being inquired according to reference situation of the application information in the loan requests to user to obtain
Reference to user scores；
Second judgment unit, for judging it is corresponding preset whether the reference scoring of user reaches the target loan product
Access scoring；
Computing unit is when being, according to preset weight to the property of user for the judging result in second judgment unit
The preset minimum amount of the amount of money corresponding to intermediate item and target loan product is weighted, user's property class
Project includes the assets of user, the income of user；
Loan limit determination unit, for determining corresponding final loan limit according to calculated result.
Further, described device further include:
Acquisition module, for acquiring the face image of user；
Analysis module is analyzed for the face image to user to determine satisfaction of the user for final loan limit
Spend situation；
Judgment module, for judging user whether in preset number of days in user's situation unsatisfied for loan limit
It is interior that practical drawing behavior occurs；
When recommending module for the judging result in judgment module is no, recommend to match with application information to the user
Loan product.
Further, the analysis module, is specifically used for:
The face image of user is divided into multiple portions according to preset division rule；
Morphological analysis is carried out to each section and extracts corresponding feature；
It is a total vector value by the feature merger of multiple portions；
The vector value is compared with the mood vector value in preset mood vector library, with obtain with each preset mood to
The degree of approximation of magnitude；
The distribution situation of user emotion is determined according to degree of approximation result；
Determine user for the satisfaction situation of final loan limit according to the distribution situation of user emotion.
Further, described device further include: prompt information sending module, for sending to terminal for informing that user is every
The prompt information of refund time and the repayment amount of phase；
Based on this, the prompt information sending module, be also used to each issue of user on time by volume repayment of bank loans in the case where,
The prompt information that loan limit is able to ascend for informing user after all issues of current loan are paid off is sent to terminal.
To achieve the goals above, the present invention also provides a kind of computer equipments, including memory, processor and storage
On a memory and the computer program that can run on a processor, the processor realize the above method when executing described program
The step of.
To achieve the goals above, the present invention also provides a kind of computer readable storage medium, it is stored thereon with computer
Program, when described program is executed by processor the step of the realization above method.
Loan transaction processing method, device, computer equipment and readable storage medium storing program for executing provided by the invention can receive
After the loan requests including application information that terminal is sent, the wheel including number corresponding with preset maximum limit on lendings degree digit is provided
Disk and the loan limit display interface for capableing of Dynamically Announce, and followed during Dynamically Announce in each wheel disc with preset revolving speed
Ring display number, then can pass through loan limit display interface after determining corresponding final loan limit according to loan requests
The number of middle wheel disc is shown.It is changeable due to only being provided before loan limit generation in existing scheme by this scheme
More uninteresting display content and the interest and patience for making user lose waiting, cause user midway to cancel or turn to other loans
Money platform, and then the case where lead to customer churn, but by be similar in scene of game can Dynamically Announce loan limit it is aobvious
Show interface, user is made to drive the lower appearance for waiting one's own final loan limit can with this in interesting and curious psychology
The fluency that content is shown during promotion loan application, increases the interest of loan application process, so as to improve user's stream
The case where mistake, to improve user's conversion ratio in loan transaction.
Detailed description of the invention
Fig. 1 is a kind of optional flow diagram of loan transaction processing method according to an embodiment of the present invention；
Fig. 2 is a kind of optional program module schematic diagram of loan transaction processing unit according to an embodiment of the present invention；
Fig. 3 is the optional program module schematic diagram of another kind of loan transaction processing unit according to an embodiment of the present invention；
Fig. 4 is another optional program module schematic diagram of loan transaction processing unit according to an embodiment of the present invention；
Fig. 5 is a kind of optional hardware structure schematic diagram of computer equipment according to an embodiment of the present invention.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that described herein, specific examples are only used to explain the present invention, not
For limiting the present invention.Based on the embodiments of the present invention, those of ordinary skill in the art are not before making creative work
Every other embodiment obtained is put, shall fall within the protection scope of the present invention.
Embodiment one
Loan transaction processing method provided by the invention is illustrated with reference to the accompanying drawing.
Fig. 1 is a kind of optional flow diagram of loan transaction processing method of the present invention, as shown in Figure 1, this method can
With the following steps are included:
S01 receives the loan requests that terminal is sent.It wherein, include application information in loan requests.
In the present embodiment, this programme can be applied in application program (APP) relevant to loan transaction, can be applied to
During conventional loan application, it can also be applied in advertisement page relevant to particular loan marketing activity.According to practical need
It wants, in the mountable terminal for the personnel that handle that provide a loan (such as loan customer manager etc.) of the APP, is also mountable to the end of user
In end.
In practical applications, in order to guarantee bank, finance company etc. can for certain user loan application audit
It is more objective and accurate in process (including the inquiry of user's reference, loan limit determine etc.), it needs comprehensively extensive to understand user's
Essential information, financial asset information etc., therefore, the content that the application information in loan requests covers is relatively broad, can mainly wrap
Include essential information, such as the name including user, identification card number, native place, educational background, graduated school, work unit, marital status etc.
Information and financial asset information, for example information, housing loan information, credit card letter are produced including house property information, the vehicle under user name
Breath, fiduciary loan information, policy information etc..
In the present embodiment, it is possible to provide for inputting the operation interface of application information, can such as be wrapped in the operation interface
Multiple input frames are included, for inputting above-mentioned application information；In addition, may also include and proposed for determining in the operation interface
The option of operation (such as button for " application for credit " or " amount inquiry " button etc.) of loan requests, when user pass through it is more
After a input frame input application information, " application for credit " button or " amount inquiry " button are somebody's turn to do in triggering, that is, with
Family sends loan requests by terminal, at this point, server corresponding with the APP loan requests ready to receive sent to terminal,
And operation can be performed the next step according to the loan requests.
In an implementation mode, primarily directed to the user of first application loan, the use is not present in usual system
Any information at family, then user directly can input application information by aforesaid operations interface, and by proposing loan for determining
The option of operation of request proposes loan requests.
Under another implementation, primarily directed to the user of not first application loan, such as before certain user
Applied providing a loan (also being understood as being transmitted across loan requests by terminal), but because certain reason does not pass through audit, alternatively, certain
Before user when applying for loan, (it also is understood as inputting the mistake of application information by terminal during inputting application information
In journey), due to system crash, network failure etc., application information has merely entered a part and has been exited by force, and causes to work as
Situations such as preceding loan application operation is interrupted.
In the present embodiment, the key message in application information can be first set, usual name, ID card No. are most to mark
The information for knowing user identity, and in the aforesaid operations page, input frame corresponding with name, ID card No. is also usually located at head
Position or very forward position are wanted, people also can habitually input the information such as name, ID card No. at first.
Based on this, after receiving key message by aforesaid operations interface, namely receive user input name or
After person's ID card No. or name and ID card No., can first judge the key message whether there is in it has been suggested that cross
(under normal conditions, if the application information for including in the loan requests can all be protected it has been suggested that crossing loan requests in loan requests
It is stored in related system), alternatively, with the presence or absence of information associated with key message (before certain above-mentioned user
When applying for loan, during inputting application information, application information is merely entered due to system crash, network failure etc.
A part is exited by force, and current loan application is caused to operate the case where being interrupted, and in this case, usual user is
Part application information through inputting can be stored in related system in preset time, for example settable be saved in such cases
The part application information 30 days etc.).
If the determination result is YES, also with regard to when say, user input key message be present in it has been suggested that cross loan requests
In, or there is information associated with the key message that user inputs, then obtain the Shen it has been suggested that in the loan requests crossed
Please information or information associated with key message, the information that then will acquire be loaded into aforesaid operations interface.Certainly,
During loading, a step of information identification can be added, i.e., application information is loaded into the corresponding input frame of respective item
In.
In addition, after the completion of above-mentioned load operation, if user find the corresponding information load of certain project inaccuracy or
The corresponding information of certain project has occurred and that variation etc., needs to modify, then can directly carry out in the corresponding input field of these projects
Modification can save modified content after receiving modification operation by input field, and in replaceable system before
The related content of preservation.
Above-mentioned implementation, can user once inputted application information and again propose loan requests in the case where, by
System loads application information relevant to the user automatically, and user need to only check whether correct and execute a small amount of modification operation i.e.
Can, without repeatedly inputting many and diverse application information of content, with this, it can be more convenient user's operation, so that the operating procedure of user is more
For simplification, operating process is faster, to improve the operating efficiency of user.
S02 provides the loan limit display interface of Dynamically Announce.Wherein, include in the loan limit display interface in advance
The wheel disc that maximum limit on lendings degree digit corresponds to number is set to follow during Dynamically Announce in each wheel disc with preset revolving speed
Ring display number.
In the present embodiment, for example loan limit display interface can be provided the terminal with, and should after receiving loan requests
Loan limit display interface can Dynamically Announce, to attract user at the first time.
It may include the wheel disc of number corresponding with preset maximum limit on lendings degree digit in the loan limit display interface, such as in advance
Setting maximum limit on lendings degree is 1,000,000 (1000000), then may include 7 wheel discs in loan limit display interface；It is preset for another example
Maximum limit on lendings degree is 100,000 (100000), then may include 6 wheel discs in loan limit display interface, and so on.
Before the final loan limit of user determines, which can be with Dynamically Announce, Dynamically Announce
Mode can be similar to draw the Slot Machine of despot's formula, display number is recycled with preset revolving speed in each wheel disc.In the present embodiment, than
Number such as with the circulation display of preset revolving speed from 0 to 9, that is to say, that digital revolving speed is different in each wheel disc, such as can
It is 10 seconds that it is most short, which to be set as circulation time (this can be regarded as to a circulation) from 0 to 9, up to 60 seconds, and can be according to reality
Needing to set the revolving speed of each wheel disc, for example the revolving speed of 7 wheel discs from left to right is respectively set as 10 seconds ,/circulation, 20 seconds/is followed
Ring, 30 seconds/circulation, 15 seconds/circulation, 35 seconds/circulation, 40 seconds/circulation, 60 seconds/circulation.It then, can be in the final loan of user
After amount determines, which is shown by the number in wheel disc in loan limit display interface, so that user is timely
Know the final loan limit of oneself.
With this, the interest for making user lose waiting due to display content more uninteresting in existing scheme and resistance to can avoid
The heart causes user midway to cancel or turn to other loan platforms, and the case where lead to customer churn, but by being similar to game
In scene can Dynamically Announce loan limit display interface, make user interesting and curious psychology drive it is lower waiting to one's name
Final loan limit appearance, the fluency that content during loan application is shown can be promoted, increase loan application process
Interest the case where so as to improve customer churn, and then improves user's conversion ratio in loan transaction.
S03 determines corresponding final loan limit according to loan requests.
Wherein, it may also include the relevant information for the target loan product that user selectes in the application information of loan requests,
Such as the information such as name of product, amount, refund issue, each issue of refund minimum amount of target loan product.
In the present embodiment, the reference situation of user can be inquired to obtain according to the application information in loan requests
Reference to user scores.For example, can essential information to user and financial asset information inquire, such as include the surname of user
The essential information of name, ID card No., educational background, marital status etc., and including under user name house property information, vehicle produce information,
The financial asset information of credit information etc., it is, of course, also possible to combine the reference of inquiry with the intimate contact person of user social contact
Situation evaluates the corresponding reference scoring of the user with the assessment mode to score using existing reference.
For example, can inquire the loan account situation of user with the presence or absence of bad accounts (be otherwise denoted as 10 points, be, be denoted as 0 point),
The credit card account status of user is examined with the presence or absence of bad accounts (be otherwise denoted as 10 points, be, be denoted as 0 point), user nearly two months loans
Whether batch inquiry times, which are more than 4 times, (is otherwise denoted as 0 point, is, be denoted as score corresponding with actual inquiry times (as actually looked into
Asking number is 5 times, then is denoted as 5 points)), the homogeneity of user loan number whether be greater than 2 (be otherwise denoted as 0 point, be, be denoted as with
The corresponding score of actual number (such as actual homogeneity loan number is 4, then is denoted as 4 points)), etc., after obtaining above-mentioned score,
All score can be added to obtain the reference of the user and score.
Then, it can determine whether the reference scoring of the user reaches the corresponding preset access scoring (phase of target loan product
When in the access score that can apply for a certain loan product), in specific implementation, it can be preset corresponding to each loan product
Access scoring, if the reference scoring of user can reach the access scoring of certain loan product, which can apply for the loan
Money product, if the reference scoring of user cannot reach the access scoring of certain loan product, which cannot apply for that the loan produces
Product.
It, can when the reference scoring that judging result is the user reaches the corresponding preset access scoring of target loan product
The corresponding amount of money of property intermediate item of user and the preset minimum amount of target loan product are added according to preset weight
Power calculates, wherein user's property intermediate item may include the assets (including house property, vehicle production etc.) of user, the income of user.
For example, the preset minimum amount of target loan product, house property, vehicle can be produced, the weight of income (such as annual income)
It is respectively set to 0.9,0.05,0.03,0.02, if the preset minimum amount of loan product is 300,000, the house property of certain user is 300
Ten thousand, Che Chanwei 300,000, income be 400,000, then the result of weighted calculation be 30 × 0.9+300 × 0.05+30 × 0.03+40 ×
0.02=27+15+0.9+0.8=43.7 ten thousand.
Then, final loan limit corresponding with the user can be determined according to calculated result, also i.e. by the knot of weighted calculation
Fruit is determined as final loan limit corresponding with the user.
S04 shows final loan limit by the number of wheel disc in loan limit display interface.
For example, can be above-mentioned according to the corresponding amount of money adjustment of final loan limit after the final loan limit of user determines
Number in loan limit display interface in each wheel disc can give what one, each wheel disc slowly stopped operating in specific implementation
Time (in the present embodiment, for example may be set to 5 seconds etc.), and the final intuitive display of number for passing through wheel disc in a static manner
The final loan limit of user out, so that user knows the final loan limit of oneself in time and clearly.
In addition, in the present embodiment, by final loan limit by the number of wheel disc in loan limit display interface into
After row display, it can also be analyzed by the face image to user to know satisfaction of the user for final loan limit
Situation is spent, and carries out further traffic transformation in combination with the satisfaction situation of user.
In specific implementation, final loan limit can shown in a static manner by loan limit display interface
Later, by the face image of camera (such as camera in calling terminal etc.) acquisition user, then to collected use
The satisfaction situation that family face image is analyzed to determine user for final loan limit.
Specifically, multiple portions first can be divided into according to preset division rule for the face image of user, for example can will use
Family face is divided into multiple portions according to face, and carries out morphological analysis to extract corresponding feature, then to each part
It is again a total vector value by the feature merger for the multiple portions extracted.
For example, the content for face's each section morphological analysis can be preset, it may include:
Glabella distance (respectively corresponds glabella less than 40, between 40 to 70, greater than 70 away from narrow, glabella away from moderate, glabella
Away from width)；
Two spacing (respectively correspond that ocular hypotelorism, eye distance are moderate, eye distance is wide less than 40, between 40 to 70, greater than 70
It is wealthy)；
Eyes size (respectively corresponded less than 40, between 40 to 70, greater than 70 eye is small, eye is moderate, eye is big)；
Nose length (respectively corresponded less than 40, between 40 to 70, greater than 70 nose type is short, nose type is moderate, nose type is long)；
Mouth size (less than 40, respectively corresponds cherry mouth, Si Zikou, tiger's jaw) between 40 to 70, greater than 70；
Hair line height (respectively corresponded less than 40, between 40 to 70, greater than 70 stop it is short, on stop balance, on stop
It is rich and prosperous)；
Chin form (0,1,2 respectively represent chin is mellow and full, chin is upright, chin fine away), etc..
Based on this, morphological analysis is carried out to extract corresponding feature to face's each section, can be returned for correlation analysis program
The vector value corresponding with each section form returned, such as can include:
" glabella distance ": 93.18665974110783；
" two spacing ": 5.337739656740686；
" eyes size ": 66.07546293254734；
" nose length ": 35.4190897549892；
" mouth size ": 99.99999099576463；
" hair line height ": 51.818521119092686；
" chin form ": 1.
Then, the corresponding vector value of each section form of above-mentioned return can be added to obtain a total vector value, to make
For the corresponding total vector value of feature of face's each section, which is usually the high latitude vector value of 500 dimensions or so.
Next, total vector value can be compared with multiple mood vector values in preset mood vector library, with
The degree of approximation between total vector value and above-mentioned multiple mood vector values is obtained, for example, can wrap in preset mood vector library
Vector value corresponding to multiple preset moods is included, in the present embodiment, it may include 64 kinds of basic emotions, for example regret, is dejected,
Meaning, excitement etc., compare the obtained degree of approximation with each mood vector value as a result, for example, can for be 60% with the degree of approximation regretted,
It is 40% with the dejected degree of approximation, with the proud degree of approximation be 20%, is 10% etc. with the excited degree of approximation.
Then, the distribution situation of user emotion can be determined according to degree of approximation result, for example passes through the approximation in the example above
Degree, it can be seen that mood less satisfied in user emotion accounts for more ratios, satisfied mood accounts for less ratio.
Finally, can be determined user to the satisfaction situation of loan limit, such as basis according to the distribution situation of user emotion
The user emotion distribution situation determined in the example above, it may be determined that user is lower to the satisfaction of loan limit.
In the case where determining that user is satisfied for loan limit, then it may wait for the practical drawing behavior of user, and normal
Execute the subsequent operation such as make loans；In the case where determining user's situation unsatisfied for loan limit, then when may wait for preset
Between (in the present embodiment, for example may be configured as 3 days), and judge whether user occurs practical row of withdrawing deposit in the preset time
For.
If practical drawing behavior has occurred in user in the preset time, although can illustrate what user's less satisfaction provided
Final loan limit, but since certain considerations still decide to continue with loan, then it normally executes subsequent make loans etc. and operates；If
Practical drawing behavior does not occur in preset time for user, then can illustrate the dissatisfied final loan limit provided of user and put
It has abandoned and has this time provided a loan, in such cases, then can recommend other loan products to match with the application information of user to the user,
Such as the product in other loan platforms, as interest rate is relatively high and loan limit is relatively high loan product (it will be understood that
For subprime product).The specific way of recommendation, can according to the actual situation depending on, such as can by user terminal push wrap
The information of Related product is included, or can be by sending the short message, etc. including relevant product information to user mobile phone.
In addition, after recommending other loan products to user, it is subsequent can also (i.e. whether user real according to transformation result
Apply and used other loan products) channel recommendation expense etc. is collected to other loan platforms.
It with this, can be changed after informing the final loan limit of user in existing scheme it is not intended that user feedback, and cause to use
The higher situation of family turnover rate, but according to being analyzed collected user's face image to determine user for finally borrowing
The satisfaction situation of amount of money degree, and according to the satisfaction situation of user and practical drawing behavior whether can occur, decide whether into
The further traffic transformation of row, that is, it is lower in the satisfaction of user and in the case where practical drawing behavior does not occur, to user
Recommend other loan products for being more bonded user's actual conditions, the case where so as to improve customer churn, improves in loan transaction
User's conversion ratio.
It certainly, in practical applications, can also be into one in the lower situation of satisfaction of the user for final loan limit
Step analysis reason, than such as whether be the accuracy rate problem due to analyzing user's face image, and cause determining user for
The satisfaction situation of final loan limit is inaccurate, and in this case, then needs operation maintenance personnel to intervene, and optimization is for dividing
The model etc. of user's face image is analysed, to improve the customer churn situation as caused by internal system problem, and then reduces user
Turnover rate, improve the conversion ratio of user.
In the present embodiment, final loan limit is being shown by the number of wheel disc in loan limit display interface
Later, the prompt information of the refund time and repayment amount for informing each issue of user can be also sent to terminal (for example, prompt letter
The time of refund the latest that in breath may include each issue is monthly 15 days, and each issue of minimum repayment amount is 3000 yuan).
Based on this, in the case where pressing volume repayment of bank loans on time each issue of user, can send to terminal for informing that user exists
All issues of current loan are able to ascend the prompt information of loan limit after paying off, for example, the amount of current loan product is 3
Wan Yuan, each issue of time of refund the latest are monthly 15 days, and each issue of minimum repayment amount is 3000 yuan, totally 10 phase, then can with
Family all refund before monthly 15 days at least 3000 yuan in the case where, issue prompt information to the terminal of user, for example content can
It can promote user with this including " after 10 phases that were timely completed refund, loan limit can be promoted to 50,000 yuan " etc. and refund on time by volume
Enthusiasm, reduce loan bad credit probability.
It, can be in the loan requests including application information for receiving terminal transmission according to each embodiment of the present embodiment
Afterwards, the wheel disc including number corresponding with preset maximum limit on lendings degree digit is provided and is capable of the loan limit display circle of Dynamically Announce
Face, and number during Dynamically Announce in each wheel disc with the circulation display of preset revolving speed from 0 to 9, then can be in basis
Loan requests are shown after determining corresponding final loan limit by the number of wheel disc in loan limit display interface.Pass through
This scheme, it is changeable to use due to only providing more uninteresting display content before loan limit generation in existing scheme
Family loses the interest and patience of waiting, causes user midway to cancel or turn to other loan platforms, and then lead to customer churn
Situation, but by be similar to scene of game in can Dynamically Announce loan limit display interface, make user interesting and good
Odd psychology drives the lower appearance for waiting one's own final loan limit that can promote content during loan application with this
The fluency of display increases the interest of loan application process, the case where so as to improve customer churn, to improve loan transaction
In user's conversion ratio.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.
Embodiment two
The loan transaction processing method provided in one based on the above embodiment is provided in the present embodiment at a kind of loan transaction
Device is managed, specifically, Fig. 2 to 4 shows the optional structural block diagram of the loan transaction processing unit, loan transaction processing dress
It sets and is divided into one or more program modules, one or more program module is stored in storage medium, and by one
Or performed by multiple processors, to complete the present invention.The so-called program module of the present invention is refer to complete specific function one
Family computer program instruction section is more suitable for describing execution of the loan transaction processing unit in storage medium than program itself
Journey, the function of each program module of the present embodiment will specifically be introduced by being described below.
As shown in Fig. 2, the loan transaction processing unit 20 can include:
Loan requests receiving module 21 can be used for receiving the loan requests of terminal transmission, wherein include Shen in loan requests
It please information；
Loan limit display interface provides module 22, it is possible to provide the loan limit display interface of Dynamically Announce, wherein loan
It include the wheel disc of number corresponding with preset maximum limit on lendings degree digit in amount display interface, during Dynamically Announce,
Display number is recycled with preset revolving speed in each wheel disc；
Loan limit determining module 23 can be used for loan requests and determine corresponding final loan limit；
Loan limit display module 24 can be used for the number by final loan limit by wheel disc in loan limit display interface
Word is shown.
Further, which may also include that operation interface provides module, can be used for providing the behaviour for inputting application information
Make interface.
Based on this, loan requests receiving module 21 be may particularly include:
First judging unit, can be used for after receiving key message by operation interface, judge whether key message is deposited
It is it has been suggested that in the loan requests crossed or with the presence or absence of information associated with key message, wherein in key message
It may include name and/or ID card No.；
Information loading unit, can be used for the judging result of the first judging unit be in the case where, obtain it has been suggested that
The application information in loan requests or information associated with key message crossed simultaneously are loaded into operation interface.
In addition, loan requests receiving module 21, may also include that
Receiving unit is modified, can be used for receiving the modification for the application information being loaded into operation interface is operated and saved.
In specific implementation, it in loan requests may include user selectes target loan product information.
Based on this, shown referring to Fig. 3, loan limit determining module 23 be may particularly include:
Query unit 231, can be used for being inquired according to reference situation of the application information in loan requests to user with
Obtain the reference scoring of user；
It is corresponding pre- to can be used for judging whether the reference scoring of user reaches target loan product for second judgment unit 232
Set access scoring；
Computing unit 233, can be used for second judgment unit 232 judging result be when, according to preset weight to
The preset minimum amount of the amount of money corresponding to the property intermediate item at family and target loan product is weighted, wherein uses
Family property intermediate item includes the assets of user, the income of user；
Loan limit determination unit 234 can be used for determining corresponding final loan limit according to calculated result.
Further, referring to shown in Fig. 4, which may also include that
Acquisition module 31 can be used for acquiring the face image of user；
Analysis module 32 can be used for analyzing the face image of user to determine user for final loan limit
Satisfaction situation；
Whether judgment module 33 can be used in user's situation unsatisfied for loan limit, judges user preset
Practical drawing behavior occurs in number of days；
Recommending module 34 can be used for when the judging result of judgment module 33 is no, to user recommendation and application information
The loan product to match.
In specific implementation, analysis module 32 can be specifically used for:
The face image of user is divided into multiple portions according to preset division rule；
Morphological analysis is carried out to each section and extracts corresponding feature；
It is a total vector value by the feature merger of multiple portions；
The vector value is compared with the mood vector value in preset mood vector library, with obtain with each preset mood to
The degree of approximation of magnitude；
The distribution situation of user emotion is determined according to degree of approximation result；
Determine user for the satisfaction situation of final loan limit according to the distribution situation of user emotion.
In addition, the device may also include that prompt information sending module, can be used for sending to terminal for informing each issue of user
Refund time and repayment amount prompt information.
Based on this, prompt information sending module, it may also be used for: in the case where each issue of user presses volume repayment of bank loans on time,
The prompt information that loan limit is able to ascend for informing user after all issues of current loan are paid off is sent to terminal.
About the device in above-described embodiment, wherein each unit, module execute the concrete mode of operation related
It is described in detail in the embodiment of this method, no detailed explanation will be given here.
Each embodiment through this embodiment, can be in the loan requests including application information for receiving terminal transmission
Afterwards, the wheel disc including number corresponding with preset maximum limit on lendings degree digit is provided and is capable of the loan limit display circle of Dynamically Announce
Face, and display number is recycled with preset revolving speed in each wheel disc during Dynamically Announce, it then can be according to loan requests
It is shown after determining corresponding final loan limit by the number of wheel disc in loan limit display interface.By this scheme,
It is changeable due to only providing more uninteresting display content before loan limit generation in existing scheme user to be lost
The interest and patience of waiting cause user midway to cancel or turn to other loan platforms, and then the case where lead to customer churn, and
Be by be similar to scene of game in can Dynamically Announce loan limit display interface, make user in interesting and curious psychology
The lower appearance for waiting one's own final loan limit is driven, with this, the stream that content during loan application is shown can be promoted
Smooth property increases the interest of loan application process, the case where so as to improve customer churn, to improve the user in loan transaction
Conversion ratio.
Embodiment three
The present embodiment also provides a kind of computer equipment, can such as execute the smart phone, tablet computer, notebook of program
Computer, desktop computer, rack-mount server, blade server, tower server or Cabinet-type server are (including independent
Server cluster composed by server or multiple servers) etc..As shown in figure 5, the computer equipment 50 of the present embodiment to
It is few to include but is not limited to: memory 51, the processor 52 of connection can be in communication with each other by system bus, as shown in Figure 5.It needs to refer to
Out, Fig. 5 illustrates only the computer equipment 50 with component 51-52, it should be understood that being not required for implementing all
The component shown, the implementation that can be substituted is more or less component.
In the present embodiment, memory 51 (i.e. readable storage medium storing program for executing) includes flash memory, hard disk, multimedia card, card-type memory
(for example, SD or DX memory etc.), random access storage device (RAM), static random-access memory (SRAM), read-only memory
(ROM), electrically erasable programmable read-only memory (EEPROM), programmable read only memory (PROM), magnetic storage, magnetic
Disk, CD etc..In some embodiments, memory 51 can be the internal storage unit of computer equipment 50, such as the calculating
The hard disk or memory of machine equipment 50.In further embodiments, memory 51 is also possible to the external storage of computer equipment 50
The plug-in type hard disk being equipped in equipment, such as the computer equipment 50, intelligent memory card (Smart Media Card, SMC), peace
Digital (Secure Digital, SD) card, flash card (Flash Card) etc..Certainly, memory 51 can also both include meter
The internal storage unit for calculating machine equipment 50 also includes its External memory equipment.In the present embodiment, memory 51 is commonly used in storage
Be installed on the operating system and types of applications software of computer equipment 50, for example, embodiment two loan transaction processing unit journey
Sequence code etc..In addition, memory 51 can be also used for temporarily storing the Various types of data that has exported or will export.
Processor 52 can be in some embodiments central processing unit (Central Processing Unit, CPU),
Controller, microcontroller, microprocessor or other data processing chips.The processor 52 is commonly used in control computer equipment
50 overall operation.In the present embodiment, program code or processing data of the processor 52 for being stored in run memory 51,
Such as loan transaction processing unit etc..
Example IV
The present embodiment also provides a kind of computer readable storage medium, such as flash memory, hard disk, multimedia card, card-type memory
(for example, SD or DX memory etc.), random access storage device (RAM), static random-access memory (SRAM), read-only memory
(ROM), electrically erasable programmable read-only memory (EEPROM), programmable read only memory (PROM), magnetic storage, magnetic
Disk, CD, server, App are stored thereon with computer program, phase are realized when program is executed by processor using store etc.
Answer function.The computer readable storage medium of the present embodiment is used for loan transaction processing unit, realizes when being executed by processor real
Apply the loan transaction processing method of example one.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of loan transaction processing method, which comprises the steps of:
The loan requests that terminal is sent are received, include application information in the loan requests；
There is provided the loan limit display interface of Dynamically Announce, wherein include and preset maximum in the loan limit display interface
Loan limit digit corresponds to the wheel disc of number, during Dynamically Announce, is recycled and is shown with preset revolving speed in each wheel disc
Number；
Corresponding final loan limit is determined according to the loan requests；
The final loan limit is shown by the number of wheel disc described in the loan limit display interface.
2. loan transaction processing method according to claim 1, which is characterized in that further include: it provides for inputting application
The operation interface of information；
Receive the loan requests that terminal is sent, comprising:
After receiving key message by the operation interface, judge the key message whether there is in it has been suggested that cross
In loan requests or it whether there is information associated with key message, the key message includes name and/or identity card
Number；
If so, obtain it has been suggested that cross loan requests in application information or information associated with key message and add
It is downloaded in the operation interface.
3. loan transaction processing method according to claim 2, which is characterized in that further include:
Reception is operated and is saved to the modification for the application information being loaded into the operation interface.
4. loan transaction processing method according to claim 1, which is characterized in that include that user selects in the loan requests
Fixed target loan product information；
Corresponding final loan limit is determined according to the loan requests, comprising:
It is inquired according to reference situation of the application information in loan requests to user to obtain the scoring of the reference of user；
Judge whether the reference scoring of user reaches the corresponding preset access scoring of target loan product；
If so, the amount of money according to corresponding to property intermediate item of the preset weight to user and target loan product is preset
Minimum amount is weighted, and user's property intermediate item includes the assets of user, the income of user；
Corresponding final loan limit is determined according to calculated result.
5. loan transaction processing method according to claim 1, which is characterized in that pass through by the final loan limit
After the number of wheel disc described in the loan limit display interface is shown, further includes:
Acquire the face image of user；
The user of satisfaction situation to determine to(for) final loan limit is analyzed the face image of user；
In user's situation unsatisfied for loan limit, judge whether user occurs practical row of withdrawing deposit in preset number of days
For；
If it is not, then recommending the loan product to match with application information to the user.
6. loan transaction processing method according to claim 5, which is characterized in that the face image to user carries out
Analysis is to determine user for the satisfaction situation of final loan limit, comprising:
The face image of user is divided into multiple portions according to preset division rule；
Morphological analysis is carried out to each section and extracts corresponding feature；
It is a total vector value by the feature merger of multiple portions；
The vector value is compared with the mood vector value in preset mood vector library, it is close with each mood vector value to obtain
Like degree；
The distribution situation of user emotion is determined according to degree of approximation result；
Determine user for the satisfaction situation of final loan limit according to the distribution situation of user emotion.
7. loan transaction processing method according to claim 1, which is characterized in that pass through by the final loan limit
After the number of wheel disc described in the loan limit display interface is shown, further includes: send to terminal and used for informing
The prompt information of refund time and the repayment amount that each issue of family；
The method also includes:
In the case where pressing volume repayment of bank loans on time each issue of user, send to terminal for informing user in all of current loan
Issue is able to ascend the prompt information of loan limit after paying off.
8. a kind of loan transaction processing unit characterized by comprising
Loan requests receiving module includes application information in the loan requests for receiving the loan requests of terminal transmission；
Loan limit display interface provides module, for providing the loan limit display interface of Dynamically Announce, wherein the loan
It include the wheel disc of number corresponding with preset maximum limit on lendings degree digit in amount display interface, during Dynamically Announce,
Display number is recycled with preset revolving speed in each wheel disc；
Loan limit determining module, for determining corresponding final loan limit according to the loan requests；
Loan limit display module, for the final loan limit to be passed through wheel disc described in the loan limit display interface
Number shown.
9. a kind of computer equipment, the computer equipment include memory, processor and storage on a memory and can be
The computer program run on processor, which is characterized in that the processor realizes claim 1 to 7 when executing described program
The step of any one the method.
10. a kind of computer readable storage medium, is stored thereon with computer program, it is characterised in that: described program is processed
The step of any one of claim 1 to 7 the method is realized when device executes.
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|---|---|---|---|
| CN201811530750.4A CN109857492A (en) | 2018-12-14 | 2018-12-14 | Loan transaction processing method, device, computer equipment and readable storage medium storing program for executing |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811530750.4A CN109857492A (en) | 2018-12-14 | 2018-12-14 | Loan transaction processing method, device, computer equipment and readable storage medium storing program for executing |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201811530750.4A Pending CN109857492A (en) | 2018-12-14 | 2018-12-14 | Loan transaction processing method, device, computer equipment and readable storage medium storing program for executing |
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