CN110659982A - Method and device for large-volume business credit granting and electronic equipment - Google Patents
Method and device for large-volume business credit granting and electronic equipment Download PDFInfo
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- CN110659982A CN110659982A CN201910921823.0A CN201910921823A CN110659982A CN 110659982 A CN110659982 A CN 110659982A CN 201910921823 A CN201910921823 A CN 201910921823A CN 110659982 A CN110659982 A CN 110659982A
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- 238000000034 method Methods 0.000 title claims abstract description 47
- 238000012797 qualification Methods 0.000 claims abstract description 135
- 238000011156 evaluation Methods 0.000 claims abstract description 59
- 230000008569 process Effects 0.000 claims abstract description 12
- 230000004913 activation Effects 0.000 claims description 12
- 238000012854 evaluation process Methods 0.000 claims description 12
- 230000006399 behavior Effects 0.000 claims description 11
- 238000012545 processing Methods 0.000 description 9
- 238000010586 diagram Methods 0.000 description 7
- 238000004590 computer program Methods 0.000 description 4
- 238000013475 authorization Methods 0.000 description 3
- 230000003287 optical effect Effects 0.000 description 3
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- 239000013307 optical fiber Substances 0.000 description 2
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- 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
Abstract
The method comprises the steps of carrying out pre-credit assessment on stock users in advance, integrating the stock users with large potential qualification to construct a large potential qualification user pool, judging whether the users are in the large potential qualification user pool or not after receiving a page request of an application user, and providing credit assessment processes of different initial assessment nodes for the application user according to a judgment result. And by judging whether the user is in the large-amount potential qualification user pool or not and providing credit granting evaluation flows of different initial evaluation nodes for the application user according to the judgment result, the application user in the large-amount potential qualification user pool can be evaluated by a simplified credit granting evaluation flow when applying for large-amount services.
Description
Technical Field
The application relates to the field of computer finance, in particular to a method and a device for large-volume business credit granting and electronic equipment.
Background
Due to the characteristic of large amount, the large-amount service needs to be more cautious when large-amount credit is granted, so that after the user applies for the large-amount service (such as loan), the user can be granted the credit through a complicated credit granting evaluation flow, and the mode has the characteristics of long approval period and poor user experience and still has a promotion space.
Disclosure of Invention
The embodiment of the specification provides a method, a device and electronic equipment for large-amount service credit granting, which are used for solving the problem that a credit granting evaluation flow is complex when a large-amount service is applied in the prior art.
An embodiment of the present specification provides a method for large-volume service credit granting, including:
the method for evaluating the credit reservation of the stock user comprises the following steps:
acquiring credit worthiness data of a plurality of stock users;
determining a large amount of potential qualification of the inventory user based on the credit worthiness data;
integrating the stock users with large amount of potential qualification to construct a large amount of potential qualification user pool;
the credit granting evaluation is carried out on the application users applying for the large amount of services, and comprises the following steps:
after receiving a page request of an application user, judging whether the user is in the high-volume potential qualification user pool or not, wherein the page request is a request for acquiring an application page;
and providing the credit granting evaluation flow of different initial evaluation nodes for the application user according to the judgment result.
Optionally, the providing, according to the determination result, a trust evaluation flow of different initial evaluation nodes for the application user includes:
if the application user is outside the large amount potential qualification user pool, providing a credit granting evaluation flow comprising a pre-credit granting node for the application user;
and if the application user is in the large-amount potential qualification user pool, providing a credit granting evaluation flow after a credit pre-granting node for the application user.
Optionally, the performing trust evaluation on an application user applying for a large amount of service further includes:
sending an activation invitation to the application user;
and receiving a page request generated when the application user triggers the activation invitation.
Optionally, the determining a large amount of potential qualification of the inventory user based on the credit worthiness data includes:
evaluating the large amount potential qualification of the stock user according to a large amount service access rule;
the integrating and constructing of the stock users with the large amount of potential qualification comprises the following steps:
adding the stock user with the large amount of potential qualification into a large amount of potential qualification user pool;
and evaluating the pre-granted credit limit for the inventory user in the large-amount potential qualification user pool.
Optionally, if the application user is in the large-amount potential qualification user pool, a credit granting evaluation process after providing a pre-credit granting node for the application user includes:
and prompting the pre-granted credit line corresponding to the application user in the large-amount potential qualification user pool to the application user.
Optionally, if the application user is in the large-amount potential qualification user pool, a credit granting evaluation process after providing a pre-credit granting node for the application user further includes:
identifying the blacklist risk and the multi-head loan risk of the application user according to the behavior data of the application user in a preset time period, and if the blacklist risk and the multi-head loan risk of the application user are both smaller than a threshold value, granting credit to the application user according to the pre-granted credit line corresponding to the application user.
Optionally, the evaluating the large amount of potential qualification of the stock user according to the large amount of business admission rules includes:
and evaluating the large potential qualification of the stock user according to the large service access rule and the behavior data of the stock user in a preset time period.
Optionally, the credit data of the inventory user comprises historical application data generated by the inventory user and three-party credit data of the inventory user.
An embodiment of the present specification further provides a device for large-scale service credit granting, including:
the user pool module is used for carrying out pre-credit assessment on the stock users and comprises the following steps:
acquiring credit worthiness data of a plurality of stock users;
determining a large amount of potential qualification of the inventory user based on the credit worthiness data;
integrating the stock users with large amount of potential qualification to construct a large amount of potential qualification user pool;
the credit application module is used for carrying out credit evaluation on an application user applying for a large amount of services, and comprises the following steps:
after receiving a page request of an application user, judging whether the user is in the high-volume potential qualification user pool or not, wherein the page request is a request for acquiring an application page;
and providing the credit granting evaluation flow of different initial evaluation nodes for the application user according to the judgment result.
Optionally, the providing, according to the determination result, a trust evaluation flow of different initial evaluation nodes for the application user includes:
if the application user is outside the large amount potential qualification user pool, providing a credit granting evaluation flow comprising a pre-credit granting node for the application user;
and if the application user is in the large-amount potential qualification user pool, providing a credit granting evaluation flow after a credit pre-granting node for the application user.
Optionally, the performing trust evaluation on an application user applying for a large amount of service further includes:
sending an activation invitation to the application user;
and receiving a page request generated when the application user triggers the activation invitation.
Optionally, the determining a large amount of potential qualification of the inventory user based on the credit worthiness data includes:
evaluating the large amount potential qualification of the stock user according to a large amount service access rule;
the integrating and constructing of the stock users with the large amount of potential qualification comprises the following steps:
adding the stock user with the large amount of potential qualification into a large amount of potential qualification user pool;
and evaluating the pre-granted credit limit for the inventory user in the large-amount potential qualification user pool.
Optionally, if the application user is in the large-amount potential qualification user pool, a credit granting evaluation process after providing a pre-credit granting node for the application user includes:
and prompting the pre-granted credit line corresponding to the application user in the large-amount potential qualification user pool to the application user.
Optionally, if the application user is in the large-amount potential qualification user pool, a credit granting evaluation process after providing a pre-credit granting node for the application user further includes:
identifying the blacklist risk and the multi-head loan risk of the application user according to the behavior data of the application user in a preset time period, and if the blacklist risk and the multi-head loan risk of the application user are both smaller than a threshold value, granting credit to the application user according to the pre-granted credit line corresponding to the application user.
Optionally, the evaluating the large amount of potential qualification of the stock user according to the large amount of business admission rules includes:
and evaluating the large potential qualification of the stock user according to the large service access rule and the behavior data of the stock user in a preset time period.
Optionally, the credit data of the inventory user comprises historical application data generated by the inventory user and three-party credit data of the inventory user.
An embodiment of the present specification further provides an electronic device, where the electronic device includes:
a processor; and the number of the first and second groups,
a memory storing computer executable instructions that, when executed, cause the processor to perform a method according to any of the above.
The present specification also provides a computer readable storage medium, wherein the computer readable storage medium stores one or more programs which, when executed by a processor, implement any of the above methods.
In various embodiments described in this specification, by determining whether the user is in the high-volume potential qualification user pool, and providing credit authorization evaluation flows of different initial evaluation nodes for the application user according to the determination result, the application user in the high-volume potential qualification user pool can be evaluated by a simplified credit authorization evaluation flow when applying for a high-volume service.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
fig. 1 is a schematic diagram illustrating a method for large-scale service trust provided by an embodiment of the present disclosure;
fig. 2 is a schematic structural diagram of an apparatus for large-scale service credit authorization provided in an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of an electronic device provided in an embodiment of the present disclosure.
Detailed Description
An embodiment of the present specification provides a method for large-volume service credit granting, including:
the method for evaluating the credit reservation of the stock user comprises the following steps:
acquiring credit worthiness data of a plurality of stock users;
determining a large amount of potential qualification of the inventory user based on the credit worthiness data;
integrating the stock users with large amount of potential qualification to construct a large amount of potential qualification user pool;
the credit granting evaluation is carried out on the application users applying for the large amount of services, and comprises the following steps:
after receiving a page request of an application user, judging whether the user is in the high-volume potential qualification user pool or not, wherein the page request is a request for acquiring an application page;
and providing the credit granting evaluation flow of different initial evaluation nodes for the application user according to the judgment result.
The method comprises the steps of evaluating the high-volume potential qualification of stock users in advance, integrating the stock users with the high-volume potential qualification to construct a high-volume potential qualification user pool, and enabling the users in the high-volume potential qualification user pool to have no need of repeatedly evaluating whether the users have the qualification of the high-volume business or not when applying for the high-volume business, so that a simplified flow can be directly provided for the users.
Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. The exemplary embodiments, however, may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. The same reference numerals denote the same or similar elements, components, or parts in the drawings, and thus their repetitive description will be omitted.
Features, structures, characteristics or other details described in a particular embodiment do not preclude the fact that the features, structures, characteristics or other details may be combined in a suitable manner in one or more other embodiments in accordance with the technical idea of the invention.
In describing particular embodiments, the present invention has been described with reference to features, structures, characteristics or other details that are within the purview of one skilled in the art to provide a thorough understanding of the embodiments. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific features, structures, characteristics, or other details.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The term "and/or" and/or "includes all combinations of any one or more of the associated listed items.
Fig. 1 is a schematic diagram of a method for large-scale service credit granting provided in an embodiment of the present specification, where the method may include:
s101: the method for evaluating the credit reservation of the stock user comprises the following steps:
acquiring credit worthiness data of a plurality of stock users;
determining a large amount of potential qualification of the inventory user based on the credit worthiness data.
The credit data of the inventory user can comprise historical application data generated by the inventory user and three-party credit data of the inventory user.
The historical application data is the business data between the business supplier of the large-amount business and the stock user, and the third-party credit data represents the business data of other business suppliers except the business supplier providing the large-amount business.
Because credit worthiness data of the stock user can reflect credit and asset conditions of the stock user to a certain extent, the credit worthiness data can be utilized, and the existing data can be utilized more efficiently.
And determining the large amount of potential qualification of the inventory user based on the qualification data, wherein users without the large amount of potential qualification can be excluded.
S102: and integrating the stock users with large potential qualification to construct a large potential qualification user pool.
The process of constructing the large-amount potential qualification user pool can comprise a process of storing the result of the pre-credit assessment, and after the data are stored, the application user can be judged at any time by inquiring the data.
On the basis of determining the large amount of potential qualification of the stock user based on the credit worthiness data, other large amount service admission rules can be further constructed, and whether the user is allowed to be granted large amount service is further judged.
Further, the credit which can be granted to the user with high potential qualification can be evaluated for the user with high potential qualification, so that the user can roughly estimate how much credit can be granted to the user when the user starts to apply for the credit and does not finish the evaluation process.
Thus, optionally, the determining a large amount of potential qualification of the inventory user based on the credit worthiness data may include:
evaluating the large amount potential qualification of the stock user according to a large amount service access rule;
the integrating and constructing of the stock users with the large amount of potential qualification comprises the following steps:
adding the stock user with the large amount of potential qualification into a large amount of potential qualification user pool;
and evaluating the pre-granted credit limit for the inventory user in the large-amount potential qualification user pool.
Optionally, the evaluating the large amount of potential qualification of the stock user according to the large amount of business admission rules includes:
and evaluating the large potential qualification of the stock user according to the large service access rule and the behavior data of the stock user in a preset time period.
The length of the preset time period may be set by itself, or may be set according to transaction frequencies of different users, which is not specifically described herein.
S103: the credit granting evaluation is carried out on the application users applying for the large amount of services, and comprises the following steps:
after receiving a page request of an application user, judging whether the user is in the high-volume potential qualification user pool or not, wherein the page request is a request for acquiring an application page;
and providing the credit granting evaluation flow of different initial evaluation nodes for the application user according to the judgment result.
Because the evaluation of the large-amount potential qualification is carried out on the stock users in advance and the large-amount potential qualification user pool is constructed, when the users in the large-amount potential qualification user pool apply for the large-amount service, the users do not need to repeatedly evaluate whether the users have the qualification of the large-amount service, a simplified flow can be directly provided for the users, and the flow including the evaluation of the large-amount potential qualification is provided for the users which are not in the large-amount potential qualification user pool.
In an embodiment of the present specification, the providing, according to the determination result, a trust evaluation flow of different initial evaluation nodes for the application user may include:
if the application user is outside the large amount potential qualification user pool, providing a credit granting evaluation flow comprising a pre-credit granting node for the application user;
and if the application user is in the large-amount potential qualification user pool, providing a credit granting evaluation flow after a credit pre-granting node for the application user.
In an embodiment of this specification, the performing trust evaluation on an application user who applies for a large amount of service may further include:
sending an activation invitation to the application user;
and receiving a page request generated when the application user triggers the activation invitation.
The application user is not limited to the user in the large-amount potential qualification user pool, but can include the user beyond the user hold, and the page address for applying the large-amount service is provided for the user by sending the activation invitation to the user, so that the user generates a page request when operating the activation invitation, and the application flow of the large-amount service is started.
In this embodiment of the present specification, if a pre-credit amount is evaluated for the stock user in the large-amount potential qualification user pool, optionally, if the applying user is in the large-amount potential qualification user pool, a credit evaluation process after providing a pre-credit node for the applying user may include:
and prompting the pre-granted credit line corresponding to the application user in the large-amount potential qualification user pool to the application user.
The method and the system have the advantages that the pre-granted credit limit pre-evaluated and granted in the high-volume potential qualification user pool is prompted to the application user, so that the service of the available credit limit can be known in the early stage of the high-volume service application process, the application process is continued or the application is finished, the situation that the application user refuses the applied credit limit after the application process is finished is avoided, the user satisfaction is improved, and the credit limit is guaranteed.
Considering that a certain time difference exists between the pre-credit evaluation and the credit evaluation of the application user applying for the large amount of business, and the user may generate new transactions, applying for loans and other behaviors in the period of time, and the risk of multi-head loans and other situations may occur in a short time.
Therefore, in this embodiment of the present specification, if the applying user is in the high-volume potential qualification user pool, the trust evaluation process after providing a pre-trust node for the applying user may further include:
identifying the blacklist risk and the multi-head loan risk of the application user according to the behavior data of the application user in a preset time period, and if the blacklist risk and the multi-head loan risk of the application user are both smaller than a threshold value, granting credit to the application user according to the pre-granted credit line corresponding to the application user.
Based on the same inventive concept, the embodiment of the specification further provides a device for large-scale service credit granting.
Fig. 2 is a schematic structural diagram of an apparatus for large-scale service credit granting provided in an embodiment of this specification, where the apparatus may include:
the user pool module 201 performs credit pre-granting evaluation on the stock users, including:
acquiring credit worthiness data of a plurality of stock users;
determining a large amount of potential qualification of the inventory user based on the credit worthiness data;
integrating the stock users with large amount of potential qualification to construct a large amount of potential qualification user pool;
the credit application module 202 performs credit evaluation on an application user applying for a large amount of services, and includes:
after receiving a page request of an application user, judging whether the user is in the high-volume potential qualification user pool or not, wherein the page request is a request for acquiring an application page;
and providing the credit granting evaluation flow of different initial evaluation nodes for the application user according to the judgment result.
The credit data of the inventory user can comprise historical application data generated by the inventory user and three-party credit data of the inventory user.
The historical application data is the business data between the business supplier of the large-amount business and the stock user, and the third-party credit data represents the business data of other business suppliers except the business supplier providing the large-amount business.
Because credit worthiness data of the stock user can reflect credit and asset conditions of the stock user to a certain extent, the credit worthiness data can be utilized, and the existing data can be utilized more efficiently.
And determining the large amount of potential qualification of the inventory user based on the qualification data, wherein users without the large amount of potential qualification can be excluded.
The process of constructing the large-amount potential qualification user pool can comprise a process of storing the result of the pre-credit assessment, and after the data are stored, the application user can be judged at any time by inquiring the data.
On the basis of determining the large amount of potential qualification of the stock user based on the credit worthiness data, other large amount service admission rules can be further constructed, and whether the user is allowed to be granted large amount service is further judged.
Further, the credit which can be granted to the user with high potential qualification can be evaluated for the user with high potential qualification, so that the user can roughly estimate how much credit can be granted to the user when the user starts to apply for the credit and does not finish the evaluation process.
Optionally, the providing, according to the determination result, a trust evaluation flow of different initial evaluation nodes for the application user includes:
if the application user is outside the large amount potential qualification user pool, providing a credit granting evaluation flow comprising a pre-credit granting node for the application user;
and if the application user is in the large-amount potential qualification user pool, providing a credit granting evaluation flow after a credit pre-granting node for the application user.
Optionally, the performing trust evaluation on an application user applying for a large amount of service further includes:
sending an activation invitation to the application user;
and receiving a page request generated when the application user triggers the activation invitation.
Optionally, the determining a large amount of potential qualification of the inventory user based on the credit worthiness data may include:
evaluating the large amount potential qualification of the stock user according to a large amount service access rule;
the integrating the stock users with the large amount of potential qualification to construct the large amount of potential qualification user pool may include:
adding the stock user with the large amount of potential qualification into a large amount of potential qualification user pool;
and evaluating the pre-granted credit limit for the inventory user in the large-amount potential qualification user pool.
The method and the system have the advantages that the pre-granted credit limit pre-evaluated and granted in the high-volume potential qualification user pool is prompted to the application user, so that the service of the available credit limit can be known in the early stage of the high-volume service application process, the application process is continued or the application is finished, the situation that the application user refuses the applied credit limit after the application process is finished is avoided, the user satisfaction is improved, and the credit limit is guaranteed.
Optionally, if the application user is in the large-amount potential qualification user pool, the credit granting evaluation process after providing the pre-credit granting node for the application user may include:
and prompting the pre-granted credit line corresponding to the application user in the large-amount potential qualification user pool to the application user.
Optionally, if the application user is in the large-amount potential qualification user pool, a credit granting evaluation process after providing a pre-credit granting node for the application user may further include:
identifying the blacklist risk and the multi-head loan risk of the application user according to the behavior data of the application user in a preset time period, and if the blacklist risk and the multi-head loan risk of the application user are both smaller than a threshold value, granting credit to the application user according to the pre-granted credit line corresponding to the application user.
Optionally, the evaluating the large amount of potential qualification of the stock user according to the large amount of business admission rules includes:
and evaluating the large potential qualification of the stock user according to the large service access rule and the behavior data of the stock user in a preset time period.
The device carries out the evaluation of the large-amount potential qualification by the stock user in advance, and integrates the stock user with the large-amount potential qualification to construct a large-amount potential qualification user pool, so that when the user in the large-amount potential qualification user pool applies for the large-amount service, the user does not need to repeatedly evaluate whether the user has the qualification of the large-amount service, and a simplified flow can be directly provided for the user.
Based on the same inventive concept, the embodiment of the specification further provides the electronic equipment.
In the following, embodiments of the electronic device of the present invention are described, which may be regarded as specific physical implementations for the above-described embodiments of the method and apparatus of the present invention. Details described in the embodiments of the electronic device of the invention should be considered supplementary to the embodiments of the method or apparatus described above; for details which are not disclosed in embodiments of the electronic device of the invention, reference may be made to the above-described embodiments of the method or the apparatus.
Fig. 3 is a schematic structural diagram of an electronic device provided in an embodiment of the present disclosure. An electronic device 300 according to this embodiment of the invention is described below with reference to fig. 3. The electronic device 300 shown in fig. 3 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 3, electronic device 300 is embodied in the form of a general purpose computing device. The components of electronic device 300 may include, but are not limited to: at least one processing unit 310, at least one memory unit 320, a bus 330 connecting the various system components (including the memory unit 320 and the processing unit 310), a display unit 340, and the like.
Wherein the storage unit stores program code executable by the processing unit 310 to cause the processing unit 310 to perform the steps according to various exemplary embodiments of the present invention described in the above-mentioned processing method section of the present specification. For example, the processing unit 310 may perform the steps as shown in fig. 1.
The storage unit 320 may include readable media in the form of volatile storage units, such as a random access memory unit (RAM)3201 and/or a cache storage unit 3202, and may further include a read only memory unit (ROM) 3203.
The storage unit 320 may also include a program/utility 3204 having a set (at least one) of program modules 3205, such program modules 3205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The electronic device 300 may also communicate with one or more external devices 400 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 300, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 300 to communicate with one or more other computing devices. Such communication may occur via an input/output (I/O) interface 350. Also, the electronic device 300 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the internet) via the network adapter 360. Network adapter 360 may communicate with other modules of electronic device 300 via bus 330. It should be appreciated that although not shown in FIG. 3, other hardware and/or software modules may be used in conjunction with electronic device 300, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments of the present invention described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a computer-readable storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to make a computing device (which can be a personal computer, a server, or a network device, etc.) execute the above-mentioned method according to the present invention. The computer program, when executed by a data processing apparatus, enables the computer readable medium to implement the above-described method of the invention, namely: such as the method shown in fig. 1.
The computer program may be stored on one or more computer readable media. The computer readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
In summary, the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that some or all of the functionality of some or all of the components in embodiments in accordance with the invention may be implemented in practice using a general purpose data processing device such as a microprocessor or a Digital Signal Processor (DSP). The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.
While the foregoing embodiments have described the objects, aspects and advantages of the present invention in further detail, it should be understood that the present invention is not inherently related to any particular computer, virtual machine or electronic device, and various general-purpose machines may be used to implement the present invention. The invention is not to be considered as limited to the specific embodiments thereof, but is to be understood as being modified in all respects, all changes and equivalents that come within the spirit and scope of the invention.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (10)
1. A method for large-scale service credit granting comprises the following steps:
the method for evaluating the credit reservation of the stock user comprises the following steps:
acquiring credit worthiness data of a plurality of stock users;
determining a large amount of potential qualification of the inventory user based on the credit worthiness data;
integrating the stock users with large amount of potential qualification to construct a large amount of potential qualification user pool;
the credit granting evaluation is carried out on the application users applying for the large amount of services, and comprises the following steps:
after receiving a page request of an application user, judging whether the user is in the high-volume potential qualification user pool or not, wherein the page request is a request for acquiring an application page;
and providing the credit granting evaluation flow of different initial evaluation nodes for the application user according to the judgment result.
2. The method according to claim 1, wherein the step of providing the trust evaluation process of different initial evaluation nodes for the application user according to the judgment result comprises:
if the application user is outside the large amount potential qualification user pool, providing a credit granting evaluation flow comprising a pre-credit granting node for the application user;
and if the application user is in the large-amount potential qualification user pool, providing a credit granting evaluation flow after a credit pre-granting node for the application user.
3. The method according to any one of claims 1-2, wherein the credit granting evaluation for the user applying for the large amount of service further comprises:
sending an activation invitation to the application user;
and receiving a page request generated when the application user triggers the activation invitation.
4. The method of any of claims 1-3, the determining a high volume potential qualification of the inventory user based on the credit worthiness data, comprising:
evaluating the large amount potential qualification of the stock user according to a large amount service access rule;
the integrating and constructing of the stock users with the large amount of potential qualification comprises the following steps:
adding the stock user with the large amount of potential qualification into a large amount of potential qualification user pool;
and evaluating the pre-granted credit limit for the inventory user in the large-amount potential qualification user pool.
5. The method according to any one of claims 1 to 4, wherein the process of credit assessment after providing a pre-credited node for the applying user if the applying user is in the high-volume potential qualification user pool comprises:
and prompting the pre-granted credit line corresponding to the application user in the large-amount potential qualification user pool to the application user.
6. The method according to any one of claims 1 to 5, wherein if the applying user is in the high-volume potential qualification user pool, a credit granting evaluation process after providing a pre-granting node for the applying user further comprises:
identifying the blacklist risk and the multi-head loan risk of the application user according to the behavior data of the application user in a preset time period, and if the blacklist risk and the multi-head loan risk of the application user are both smaller than a threshold value, granting credit to the application user according to the pre-granted credit line corresponding to the application user.
7. The method of any of claims 1-6, said evaluating said high volume potential qualification of said stock user according to high volume traffic admission rules, comprising:
and evaluating the large potential qualification of the stock user according to the large service access rule and the behavior data of the stock user in a preset time period.
8. A device for large-scale business credit granting comprises:
the user pool module is used for carrying out pre-credit assessment on the stock users and comprises the following steps:
acquiring credit worthiness data of a plurality of stock users;
determining a large amount of potential qualification of the inventory user based on the credit worthiness data;
integrating the stock users with large amount of potential qualification to construct a large amount of potential qualification user pool;
the credit application module is used for carrying out credit evaluation on an application user applying for a large amount of services, and comprises the following steps:
after receiving a page request of an application user, judging whether the user is in the high-volume potential qualification user pool or not, wherein the page request is a request for acquiring an application page;
and providing the credit granting evaluation flow of different initial evaluation nodes for the application user according to the judgment result.
9. An electronic device, wherein the electronic device comprises:
a processor; and the number of the first and second groups,
a memory storing computer-executable instructions that, when executed, cause the processor to perform the method of any of claims 1-7.
10. A computer readable storage medium, wherein the computer readable storage medium stores one or more programs which, when executed by a processor, implement the method of any of claims 1-7.
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| CN201910921823.0A CN110659982A (en) | 2019-09-27 | 2019-09-27 | Method and device for large-volume business credit granting and electronic equipment |
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| CN201910921823.0A CN110659982A (en) | 2019-09-27 | 2019-09-27 | Method and device for large-volume business credit granting and electronic equipment |
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Application publication date: 20200107 |