CN110033357A - Credit product recommended method and system - Google Patents
Credit product recommended method and system Download PDFInfo
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- CN110033357A CN110033357A CN201910346753.0A CN201910346753A CN110033357A CN 110033357 A CN110033357 A CN 110033357A CN 201910346753 A CN201910346753 A CN 201910346753A CN 110033357 A CN110033357 A CN 110033357A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0631—Item recommendations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention provides a kind of credit product recommended method and system.This method comprises: obtaining the credit request of user；The credit information is matched with the credit product library being locally pre-stored, to obtain target credit product and credit terms corresponding with the target credit product；Judge whether the identity information meets the credit terms；If so, recommending the target credit product to the user.The present invention is by carrying out matched design with the credit product library being locally pre-stored for the credit information, to carry out accurately condition matching automatically according to the demand for loan of user, each loan product is understood without user, and then effectively raise the business efficiency of credit operation, and by judging whether the identity information meets the design of the credit terms, judge whether corresponding creditor can provide a loan to target loan product with effective, the accuracy of credit is effectively raised, energy recommended user targetedly carries out the loan requests of credit product.
Description
Technical field
The present invention relates to credit technique field more particularly to a kind of credit product recommended methods and system.
Background technique
Currently, with the business high speed development of Deposits in Eastern Coastal China urban, emerged in large numbers large quantities of individual operator and
Entrepreneur, good business environment promote flourishing for bank credit management (such as provide a loan, refund business), and gradually at
For the main business resource of more and more banks.In the prior art, the major way of credit operation is realized are as follows: firstly, by user
Prepare sufficient material to consult to bank bussiness hall and business personnel, and submits material；Then bank's examination & approval, examination & approval are waited
Process takes around multiple workaday times, and time delay is longer；Subsequently, user carries out loan agreement label after examining successfully
About equal formalities, and carry out capital turnover；Finally, user refunds according to the mode of repayment of selection, and after refund, go
Lending bank carries out withdrawing the formalities such as mortgage material.
Thousands of kinds of credit products currently on the market, each credit product have different condition requirements to borrower,
And the condition of each borrower is also different, borrower, which lacks, requires cognition and judgement, existing skill to the condition of credit product
It needs to be carried out the selection of credit product in art by borrower oneself, and then leads to the business inefficiency of credit operation, Bu Nengzhen
The introduction and recommendation that credit product is carried out to borrower to property, reduces user experience.
Summary of the invention
It can targetedly propose that credit product is recommended according to user information the technical problem to be solved by the present invention is to provide a kind of
Credit product recommended method and system.
In order to solve the above technical problems, credit product recommended method provided by the invention, which comprises
The credit request of user is obtained, the credit request includes identity information and credit information；
The credit information is matched with locally pre-stored credit product library, with obtain target credit product and with
The corresponding credit terms of the target credit product；
Judge whether the identity information meets the credit terms；
If so, recommending the target credit product to the user.
Preferably, described to judge that the step of whether identity information meets the credit terms includes:
The identification parameters stored in the identity information are obtained, the identification parameters are household register information, age information, occupation
Information, house property information, automobile information, policy information, reference report information, liability information, credit card information, lawsuit letter
Breath, sesame divide information, net to borrow one of information and personalized lending information or a variety of combinations；
Judge whether the identification parameters are all satisfied corresponding credit terms；
If so, determining that the identity information meets the credit terms.
Preferably, described the step of being matched the credit information with the credit product library being locally pre-stored, includes:
Obtain the amount of the loan and loan types stored in the credit information, the loan mode include the loan time,
Loan interest and mode of repayment；
It is matched according to the amount of the loan and the loan types with the credit product library, to obtain the target
Credit product and the credit terms.
Preferably, it is described the target credit product is recommended include: to the step of user
Obtain the corresponding lender information of the target credit product, the lender information include finance company's information,
Credit manager's information, consulting telephone and name of product；
The lender information is sent to the user.
Preferably, it is described the target credit product is recommended include: to the step of user
When the quantity of the target credit product is multiple, each letter in the target credit product is inquired respectively
The corresponding credit evaluation point of loan company；
The target credit product is ranked up according to credit evaluation point, and according to ranking results to the user
It is shown.
Compared with the relevant technologies, credit product recommended method provided by the invention has the following beneficial effects: the present invention
Embodiment is by carrying out matched design with the credit product library being locally pre-stored for the credit information, according to the loan of user
Money demand carries out accurately condition matching automatically, understands without user each loan product, and then effectively raise
The business efficiency of credit operation, and by judging whether the identity information meets the design of the credit terms, effectively to sentence
Whether disconnected corresponding creditor can provide a loan to target loan product, effectively raise the accuracy of credit, can recommended user
Targetedly carry out the loan requests of credit product.
The another object of the embodiment of the present invention is to provide a kind of credit product recommender system, the system comprises:
Credit information matching module, the credit for obtaining user are requested, and the credit request includes identity information and loan
Money information matches the credit information with locally pre-stored credit product library, with obtain target credit product and with
The corresponding credit terms of the target credit product；
Credit terms judgment module, for judging whether the identity information meets the credit terms；If so, by institute
Target credit product is stated to recommend to the user.
Preferably, the credit terms judgment module is also used to:
The identification parameters stored in the identity information are obtained, the identification parameters are household register information, age information, occupation
Information, house property information, automobile information, policy information, reference report information, liability information, credit card information, lawsuit letter
Breath, sesame divide information, net to borrow one of information and personalized lending information or a variety of combinations；
Judge whether the identification parameters are all satisfied corresponding credit terms；
If so, determining that the identity information meets the credit terms.
Detailed description of the invention
Fig. 1 is the flow chart for the credit product recommended method that first embodiment of the invention provides；
Fig. 2 is the flow chart for the credit product recommended method that second embodiment of the invention provides；
Fig. 3 is the structural schematic diagram for the credit product recommender system that third embodiment of the invention provides；
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 the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Embodiment one
Referring to Fig. 1, be the flow chart for the credit product recommended method that first embodiment of the invention provides, comprising steps of
Step S10 obtains the credit request of user；
Wherein, the credit request includes identity information and credit information, specifically, the identity information and the loan
Information is obtained by the way of data input, and in the step when completing to be directed to the typing of the identity information, simultaneously
The detection of the identity information is carried out, to detect whether the identity information is real information；
Step S20 matches the credit information, with the credit product library being locally pre-stored to obtain target credit
Product and credit terms corresponding with the target credit product；
Wherein, be stored with multiple credit products in the credit product library, include in each credit product product introduction,
Finance company's information, credit manager's information and corresponding credit terms, the credit terms are for judging whether borrower meets letter
It borrows and requires, it, then cannot be by the loan requests of the credit product, when user's satisfaction pair when user does not meet corresponding credit terms
When the credit terms answered, then it can pass through the loan requests of the credit product after the audit and verifying of user's completion data；
Step S30, judges whether the identity information meets the credit terms；
Wherein, multiple credit parameters are equipped in the credit terms, which includes household register, age, occupation, room
The related detailed rules and regulations such as production, automobile, declaration form, reference report, debt, credit card, lawsuit, sesame point, net loan, personalized lending are wanted
It asks, system carries out the matching of the credit parameter automatically, to determine whether the identity information meets the credit terms；
When the judging result of step S30, which is, is, step S40 is executed；
Step S40 recommends the target credit product to the user；
Wherein, recommend the mode of the target loan product can be for image display recommendation, text importing is recommended, short message pushes away
It recommends or the modes such as voice recommendation, in the step, by the way that the target credit product to be recommended to the design of the user, effectively
The accuracy of credit is improved, energy recommended user targetedly carries out the loan requests of credit product；
In the present embodiment, by the way that the credit information is carried out matched design with the credit product library being locally pre-stored,
To carry out accurately condition matching automatically according to the demand for loan of user, each loan product is understood without user, into
And the business efficiency of credit operation is effectively raised, and by judging whether the identity information meets the credit terms
Design judges whether corresponding creditor can provide a loan to target loan product with effective, effectively raises the accurate of credit
Property, energy recommended user targetedly carries out the loan requests of credit product.
Embodiment two
Referring to Fig. 2, be the flow chart for the credit product recommended method that second embodiment of the invention provides, comprising steps of
Step S11 obtains the credit request of user；
Wherein, wherein the credit request includes identity information and credit information, specifically, the identity information and institute
It states credit information to be obtained by the way of data input, and when the typing for completing to be directed to the identity information in the step
When, while the detection of the identity information is carried out, to detect whether the identity information is real information；
Step S21 obtains the amount of the loan and loan types stored in the credit information；
Wherein, the loan mode includes loan time, loan interest and mode of repayment etc., under the amount of the loan includes
The limit amount of money and/or the upper limit amount of money, the amount of the loan are stored in the credit information by the way of numerical value, the loan class
Type is stored in the credit information by the way of number or text；
Step S31 is matched according to the amount of the loan and the loan types with the credit product library, to obtain
The target credit product and the credit terms；
Step S41 obtains the identification parameters stored in the identity information, judges whether the identification parameters are all satisfied pair
Answer credit terms；
Wherein, be stored with multiple credit products in the credit product library, include in each credit product product introduction,
Finance company's information, credit manager's information and corresponding credit terms, the credit terms are for judging whether borrower meets letter
It borrows and requires, it, then cannot be by the loan requests of the credit product, when user's satisfaction pair when user does not meet corresponding credit terms
When the credit terms answered, then it can pass through the loan requests of the credit product after the audit and verifying of user's completion data；
Specifically, the identification parameters are household register information, age information, occupational information, house property information, automobile information, guarantor
Single information, reference report information, liability information, credit card information, lawsuit information, sesame divide information, net to borrow information and the people
Between one of loan information or a variety of combinations；
When the judging result of step S41, which is, is, step S51 is executed；
Step S51 determines that the identity information meets the credit terms, and the target credit product is recommended to described
User；
Wherein, it is described the target credit product is recommended include: to the step of user
Obtain the corresponding lender information of the target credit product, the lender information include finance company's information,
Credit manager's information, consulting telephone and name of product；
The lender information is sent to the user.
Preferably, described to recommend to the step of user to wrap by the target credit product in the present embodiment
It includes:
When the quantity of the target credit product is multiple, each letter in the target credit product is inquired respectively
The corresponding credit evaluation point of loan company；
The target credit product is ranked up according to credit evaluation point, and according to ranking results to the user
It is shown；
In the present embodiment, by the way that the credit information is carried out matched design with the credit product library being locally pre-stored,
To carry out accurately condition matching automatically according to the demand for loan of user, each loan product is understood without user, into
And the business efficiency of credit operation is effectively raised, and by judging whether the identity information meets the credit terms
Design judges whether corresponding creditor can provide a loan to target loan product with effective, effectively raises the accurate of credit
Property, energy recommended user targetedly carries out the loan requests of credit product；
Wherein, recommend the mode of the target loan product can be for image display recommendation, text importing is recommended, short message pushes away
It recommends or the modes such as voice recommendation, in the step, by the way that the target credit product to be recommended to the design of the user, effectively
The accuracy of credit is improved, energy recommended user targetedly carries out the loan requests of credit product；
In the present embodiment, by the way that the credit information is carried out matched design with the credit product library being locally pre-stored,
To carry out accurately condition matching automatically according to the demand for loan of user, each loan product is understood without user, into
And the business efficiency of credit operation is effectively raised, and by judging whether the identity information meets the credit terms
Design judges whether corresponding creditor can provide a loan to target loan product with effective, effectively raises the accurate of credit
Property, energy recommended user targetedly carries out the loan requests of credit product.
Embodiment three
Referring to Fig. 3, being the structural schematic diagram for the credit product recommender system 100 that third embodiment of the invention provides, packet
It includes: credit information matching module 10 and credit terms judgment module 11, in which:
Credit information matching module 10, the credit for obtaining user are requested, credit request include identity information and
Credit information matches the credit information with locally pre-stored credit product library, with obtain target credit product and
Credit terms corresponding with the target credit product；
Specifically, the credit information matching module 10 is also used to: obtaining the amount of the loan stored in the credit information
And loan types, the loan mode include loan time, loan interest and mode of repayment；According to the amount of the loan and described
Loan types are matched with the credit product library, to obtain the target credit product and the credit terms.
Credit terms judgment module 11, for judging whether the identity information meets the credit terms；If so, will
The target credit product is recommended to the user.
Preferably, the credit terms judgment module 11 is also used to: the identification parameters stored in the identity information are obtained,
The identification parameters are household register information, age information, occupational information, house property information, automobile information, policy information, reference report
Information, liability information, credit card information, lawsuit information, sesame divide information, net to borrow one in information and personalized lending information
Kind or a variety of combinations；Judge whether the identification parameters are all satisfied corresponding credit terms；If so, determining the identity information
Meet the credit terms.
It should be understood that the credit terms judgment module 11 is also used to: obtaining the corresponding loan of the target credit product
Money side's information, the lender information include finance company's information, credit manager's information, consulting telephone and name of product；By institute
It states lender information and is sent to the user.
Further, the credit terms judgment module 11 is also used to: when the quantity of the target credit product is more
When a, the corresponding credit evaluation point of each finance company in the target credit product is inquired respectively；According to the credit
Evaluation point is ranked up the target credit product, and is shown according to ranking results to the user.
In the present embodiment, by the way that the credit information is carried out matched design with the credit product library being locally pre-stored,
To carry out accurately condition matching automatically according to the demand for loan of user, each loan product is understood without user, into
And the business efficiency of credit operation is effectively raised, and by judging whether the identity information meets the credit terms
Design judges whether corresponding creditor can provide a loan to target loan product with effective, effectively raises the accurate of credit
Property, energy recommended user targetedly carries out the loan requests of credit product.
The present embodiment also provides a kind of credit product recommendation apparatus, including storage equipment and processor, the storage are set
It is ready for use on storage computer program, the processor runs the computer program so that the credit product recommends dress to execute
The credit product recommended method stated.
The present embodiment additionally provides a kind of storage medium, is stored thereon with above-mentioned credit product and recommends meter used in dress
Calculation machine program, the program when being executed, include the following steps:
The credit request of user is obtained, the credit request includes identity information and credit information；
The credit information is matched with locally pre-stored credit product library, with obtain target credit product and with
The corresponding credit terms of the target credit product；
Judge whether the identity information meets the credit terms；
If so, recommending the target credit product to the user.The storage medium, such as: ROM/RAM, magnetic
Dish, CD etc..
It is apparent to those skilled in the art that for convenience and simplicity of description, only with above-mentioned each function
The division progress of unit, module can according to need and for example, in practical application by above-mentioned function distribution by different function
Energy unit or module are completed, i.e., the internal structure of storage device is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit,
It can be each unit to physically exist alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Made any modifications, equivalent replacements, and improvements etc., should all be included in the protection scope of the present invention within mind and principle.
Claims (10)
1. a kind of credit product recommended method, which is characterized in that the described method includes:
The credit request of user is obtained, the credit request includes identity information and credit information；
The credit information is matched with locally pre-stored credit product library, with obtain target credit product and with it is described
The corresponding credit terms of target credit product；
Judge whether the identity information meets the credit terms；
If so, recommending the target credit product to the user.
2. credit product recommended method according to claim 1, which is characterized in that described whether to judge the identity information
The step of meeting the credit terms include:
The identification parameters stored in the identity information are obtained, the identification parameters are household register information, age information, occupation letter
Breath, house property information, automobile information, policy information, reference report information, liability information, credit card information, lawsuit information,
Sesame divides information, net to borrow one of information and personalized lending information or a variety of combinations；
Judge whether the identification parameters are all satisfied corresponding credit terms；
If so, determining that the identity information meets the credit terms.
3. credit product recommended method according to claim 1, which is characterized in that described by the credit information and local
The step of pre-stored credit product library is matched include:
The amount of the loan and loan types stored in the credit information is obtained, the loan mode includes loan time, loan
Interest and mode of repayment；
It is matched according to the amount of the loan and the loan types with the credit product library, to obtain the target credit
Product and the credit terms.
4. credit product recommended method according to claim 1, which is characterized in that described to push away the target credit product
It recommends to the step of user and includes:
The corresponding lender information of the target credit product is obtained, the lender information includes finance company's information, credit
Manager information, consulting telephone and name of product；
The lender information is sent to the user.
5. credit product recommended method according to claim 4, which is characterized in that described to push away the target credit product
It recommends to the step of user and includes:
When the quantity of the target credit product is multiple, it is public that each credit in the target credit product is inquired respectively
Take charge of corresponding credit evaluation point；
The target credit product is ranked up according to credit evaluation point, and the user is carried out according to ranking results
Display.
6. a kind of credit product recommender system, which is characterized in that the system comprises:
Credit information matching module, the credit for obtaining user are requested, and the credit request includes identity information and loan letter
Breath, by the credit information with locally be pre-stored credit product library match, with obtain target credit product and with it is described
The corresponding credit terms of target credit product；
Credit terms judgment module, for judging whether the identity information meets the credit terms；If so, by the mesh
Mark credit product is recommended to the user.
7. credit product recommender system according to claim 6, which is characterized in that the credit terms judgment module is also used
In:
The identification parameters stored in the identity information are obtained, the identification parameters are household register information, age information, occupation letter
Breath, house property information, automobile information, policy information, reference report information, liability information, credit card information, lawsuit information,
Sesame divides information, net to borrow one of information and personalized lending information or a variety of combinations；
Judge whether the identification parameters are all satisfied corresponding credit terms；
If so, determining that the identity information meets the credit terms.
8. credit product recommender system according to claim 6, which is characterized in that the credit information matching module is also used
In:
The amount of the loan and loan types stored in the credit information is obtained, the loan mode includes loan time, loan
Interest and mode of repayment；
It is matched according to the amount of the loan and the loan types with the credit product library, to obtain the target credit
Product and the credit terms.
9. credit product recommender system according to claim 6, which is characterized in that the credit terms judgment module is also used
In:
The corresponding lender information of the target credit product is obtained, the lender information includes finance company's information, credit
Manager information, consulting telephone and name of product；
The lender information is sent to the user.
10. credit product recommender system according to claim 9, which is characterized in that the credit terms judgment module is also
For:
When the quantity of the target credit product is multiple, it is public that each credit in the target credit product is inquired respectively
Take charge of corresponding credit evaluation point；
The target credit product is ranked up according to credit evaluation point, and the user is carried out according to ranking results
Display.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910346753.0A CN110033357A (en) | 2019-04-27 | 2019-04-27 | Credit product recommended method and system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910346753.0A CN110033357A (en) | 2019-04-27 | 2019-04-27 | Credit product recommended method and system |
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| CN201910346753.0A Pending CN110033357A (en) | 2019-04-27 | 2019-04-27 | Credit product recommended method and system |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110490727A (en) * | 2019-07-29 | 2019-11-22 | 招联消费金融有限公司 | Information-pushing method, device, equipment and storage medium |
| CN112328886A (en) * | 2020-11-16 | 2021-02-05 | 深圳壹账通智能科技有限公司 | Block chain-based credit recommendation method, equipment and storage medium |
| CN113256401A (en) * | 2021-05-26 | 2021-08-13 | 中科柏诚科技（北京）股份有限公司 | Method, device, server and storage medium for intercepting user outside pre-loan domain |
| CN114387091A (en) * | 2022-01-19 | 2022-04-22 | 中国农业银行股份有限公司 | Remote credit method, device, electronic equipment and storage medium |
| CN118172145A (en) * | 2024-05-13 | 2024-06-11 | 北京大学 | Credit product recommendation method, credit product recommendation device, storage medium and electronic equipment |
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| CN107784577A (en) * | 2017-10-26 | 2018-03-09 | 广州市触通软件科技股份有限公司 | A kind of credit product distribution and recommendation method and the system for realizing this method |
| CN108510384A (en) * | 2018-03-13 | 2018-09-07 | 四川享宇金信金融服务外包有限公司 | Loan product recommends method and device |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107784577A (en) * | 2017-10-26 | 2018-03-09 | 广州市触通软件科技股份有限公司 | A kind of credit product distribution and recommendation method and the system for realizing this method |
| CN108510384A (en) * | 2018-03-13 | 2018-09-07 | 四川享宇金信金融服务外包有限公司 | Loan product recommends method and device |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110490727A (en) * | 2019-07-29 | 2019-11-22 | 招联消费金融有限公司 | Information-pushing method, device, equipment and storage medium |
| CN112328886A (en) * | 2020-11-16 | 2021-02-05 | 深圳壹账通智能科技有限公司 | Block chain-based credit recommendation method, equipment and storage medium |
| WO2022100382A1 (en) * | 2020-11-16 | 2022-05-19 | 深圳壹账通智能科技有限公司 | Blockchain-based credit loan recommendation method, and devices and storage medium |
| CN113256401A (en) * | 2021-05-26 | 2021-08-13 | 中科柏诚科技（北京）股份有限公司 | Method, device, server and storage medium for intercepting user outside pre-loan domain |
| CN114387091A (en) * | 2022-01-19 | 2022-04-22 | 中国农业银行股份有限公司 | Remote credit method, device, electronic equipment and storage medium |
| CN118172145A (en) * | 2024-05-13 | 2024-06-11 | 北京大学 | Credit product recommendation method, credit product recommendation device, storage medium and electronic equipment |
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