CN111275542A - Loan request processing method, device and system - Google Patents
Loan request processing method, device and system Download PDFInfo
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Abstract
The invention discloses a loan request processing method, device and system, and relates to the technical field of computers. One embodiment of the method comprises: sending a loan request to a second party service end according to a first trigger operation of a user; wherein, the loan request comprises: information of the user; receiving the current credit line sent by the second party server; and displaying the current credit line so that the user can determine whether to open an account on a second party client according to the current credit line. The implementation method can avoid resource waste and improve the user experience.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a loan request processing method, device and system.
Background
A second party, such as a bank, credit agency, etc., may offer loan services to the user. To reduce the loss of the user's credit, the second party typically provides a loan to the user based on the current amount of credit.
In the prior art, the second party service end generally opens an account for the user according to the loan request, then determines the current credit line of the user, and feeds back the current credit line to the user.
However, in an actual application scenario, the current credit line may not meet the requirement of the user, and although an account is already opened for the user, the user does not use the account. Therefore, opening an account for the user before determining the current credit line of the user not only wastes resources, but also affects the user's experience.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method, an apparatus, and a system for processing a loan request, which can avoid resource waste and improve user experience.
In a first aspect, an embodiment of the present invention provides a method for processing a loan request, which is applied to a first-party client, and includes:
sending a loan request to a second party service end according to a first trigger operation of a user; wherein, the loan request comprises: information of the user;
receiving the current credit line sent by the second party server;
and displaying the current credit line so that the user can determine whether to open an account on a second party client according to the current credit line.
Preferably, the first and second electrodes are formed of a metal,
the method further comprises the following steps:
receiving a verification passing message sent by the second party server;
displaying the verification passing message;
sending a quota measuring request to the second party server according to a second trigger operation of the user; wherein, the quota measurement request comprises: current transaction information for the user.
In a second aspect, an embodiment of the present invention provides a method for processing a loan request, which is applied to a second party service end, and includes:
receiving a loan request sent by a first party client; wherein, the loan request comprises: information of the user;
determining the current credit line according to the information of the user;
and sending the current credit line to the first party client and the second party client so that the user determines whether to open an account on the second party client according to the current credit line displayed by the first party client.
Preferably, the first and second electrodes are formed of a metal,
the determining the current credit line according to the information of the user comprises the following steps:
verifying the user according to the information of the user;
if the verification is passed, sending a verification passing message to the first party client;
receiving a quota measuring request sent by the first party client; wherein, the quota measurement request comprises: current transaction information of the user;
and determining the current credit line according to the current transaction information.
Preferably, the first and second electrodes are formed of a metal,
the determining the current credit line according to the current transaction information comprises the following steps:
and determining whether the current transaction information meets the loan admission condition, and if so, determining the current credit line according to the current transaction information and a preset quota measuring model.
Preferably, the first and second electrodes are formed of a metal,
further comprising: determining credit information, historical credit line and historical transaction information of an enterprise to which the user belongs;
the quota measuring model is a linear regression model;
the step of determining the current credit line according to the current transaction information and a preset quota measuring model comprises the following steps:
training the linear regression model according to the historical credit line and the historical transaction information;
inputting the current transaction information into the trained linear regression model to obtain an initial quota;
and determining the current credit line according to the initial line and the credit information.
In a third aspect, an embodiment of the present invention provides a first-party client, including:
the sending module is configured to send a loan request to a second party service end according to a first trigger operation of a user; wherein, the loan request comprises: information of the user;
the receiving module is configured to receive the current credit line sent by the second party server;
and the display module is configured to display the current credit line so that the user can determine whether to open an account on a second party client according to the current credit line.
In a fourth aspect, an embodiment of the present invention provides a second party server, including:
the receiving module is configured to receive a loan request sent by a first party client; wherein, the loan request comprises: information of the user;
the determining module is configured to determine the current credit line according to the information of the user;
and the sending module is configured to send the current credit line to the first party client and the second party client so that the user can determine whether to open an account on the second party client according to the current credit line.
In a fifth aspect, an embodiment of the present invention provides a system for processing a loan request, including: the first-party client described in any of the above embodiments, the second-party server described in any of the above embodiments, and the second-party client.
In a sixth aspect, an embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a method as in any one of the embodiments described above.
In a seventh aspect, an embodiment of the present invention provides a computer-readable medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method according to any one of the above embodiments.
One embodiment of the above invention has the following advantages or benefits: the method can firstly determine the current credit line of the user according to the loan request, and the user can determine whether to open an account according to the current credit line. If the user thinks that the current credit line can not meet the self requirement, the user does not need to open an account. Therefore, the method can avoid resource waste and improve the user experience.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a flow chart of a method for processing a loan request applied to a first party client according to an embodiment of the invention;
fig. 2 is a flow chart of a processing method applied to a loan request of a second party service end according to an embodiment of the invention;
fig. 3 is a flow chart of a loan request processing method applied to a loan request processing system according to an embodiment of the invention;
FIG. 4 is a schematic diagram of a first party client according to an embodiment of the present invention;
FIG. 5 is a diagram of a second party server according to an embodiment of the present invention;
FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 7 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
The existing method generally opens an account for a user according to a loan request, then determines the current credit line of the user and feeds back the current credit line to the user. However, in an actual application scenario, the current credit line may not meet the requirement of the user, and although an account is already opened for the user, the user does not use the account. Therefore, opening an account for the user in advance not only wastes resources, but also affects the user experience.
As shown in fig. 1, an embodiment of the present invention provides a method for processing a loan request, applied to a first-party client, including:
step 101: and sending a loan request to a second party service end according to the first trigger operation of the user.
Wherein, the loan request comprises: information of the user.
The second party may be a loan institution such as a bank. The first party may be a platform, such as a telecommunications carrier, e-commerce platform, etc., having a cooperative relationship with the second party.
The first trigger operation may be a click, a slide, etc. For example, the first party client displays the identifier of 'applying for loan', and if the user clicks the identifier, the first party client sends a loan request to the second party server.
If the user applies for a loan on his/her own behalf, the user's information refers to the user's own information, and if the user applies for a loan on his/her behalf, the user's information refers to the information of a business. For example, if a user applies for a loan on behalf of a business to which the user belongs, the user's information may include: the business information, credit information, tax information, transaction information and the like of the enterprise to which the user belongs.
The second party server can determine the current credit line according to the information of the user.
Step 102: and receiving the current credit line sent by the second party server.
Step 103: and displaying the current credit line so that the user can determine whether to open an account on the second party client according to the current credit line.
The user can determine whether the current credit line displayed on the first party client meets the requirement of the user, and if so, the user can open an account on the second party client.
The method can firstly determine the current credit line of the user according to the loan request, and the user can determine whether to open an account according to the current credit line. If the user thinks that the current credit line can not meet the self requirement, the user does not need to open an account. Therefore, the method can avoid resource waste and improve the user experience.
In an actual application scenario, the second party server may directly determine the current credit line based on the information of the user, or may first verify the user according to the information of the user, and if the verification is passed, determine the current credit line of the user. It should be noted that the information for verification and for determining the current credit line may be the same or different. For example, the user may be verified based on the unified social credit code of the user, and the current credit line may be determined based on the credit information of the enterprise to which the user belongs; the user can also be verified based on the business information and the transaction information of the enterprise to which the user belongs, and the current credit line is determined based on the business information and the transaction information of the enterprise to which the user belongs.
In one embodiment of the present invention, the information of the user includes: business information of an enterprise to which the user belongs;
the method further comprises the following steps:
receiving a verification passing message sent by a second party server;
displaying the verification passing message;
sending a quota measuring request to a second party server according to a second trigger operation of the user; wherein, the quota measuring request comprises: current transaction information of the user;
the second party service side can verify whether the user has loan qualification, and specifically, the user can be verified based on information such as business information and unified social credit codes, so that the information provided by the first party client side to the second party service side is not limited to the business information. If the user is an individual, the second party server may authenticate the user based on the user's identification number, facial image, biometric information, and the like.
The second trigger operation is similar to the first trigger operation and can be a click action, a sliding action and the like. The current transaction information may include: the number of transactions, the time of transactions, etc. the user has on the first party client. And if the user considers that the current credit line can meet the self requirement, executing a second trigger operation aiming at the first party client, and if the current credit line cannot meet the self requirement, stopping the processing of the loan request without any processing by the user.
As shown in fig. 2, an embodiment of the present invention provides a method for processing a loan request, applied to a second party service end, including:
step 201: and receiving a loan request sent by the first party client.
Wherein, the loan request comprises: information of the user.
Step 202: and determining the current credit line according to the information of the user.
Step 203: and sending the current credit line to the first party client and the second party client so that the user can determine whether to open an account on the second party client according to the current credit line displayed by the first party client.
The method corresponds to the method applied to the first-party client, and reference may be made to the above embodiments.
By the method, the user can determine whether to open an account on the second party client according to the current credit limit without opening the account on the second party client. The method can improve the user experience and reduce the resource consumption.
In one embodiment of the present invention, the information of the user includes: business information of an enterprise to which the user belongs;
determining the current credit line according to the information of the user, comprising the following steps:
verifying the user according to the industrial and commercial information;
if the verification is passed, sending a verification passing message to the first party client;
receiving a quota measuring request sent by a first party client; wherein, the quota measuring request comprises: current transaction information of the user;
and determining the current credit line according to the current transaction information.
If the verification fails, the user is not qualified for a loan, and subsequent processing is not required. Therefore, users applying for loan can be screened by the method, the processing efficiency of loan requests is improved, and the resource consumption is reduced.
From the business information, the stakeholders of the business may be determined and a message may be sent to each stakeholder to authenticate the user.
In one embodiment of the present invention, determining the current credit line according to the current transaction information includes: and determining whether the current transaction information meets the loan admission condition, and if so, determining the current credit line according to the current transaction information and a preset quota measuring model.
The rating model may be a linear regression model, a scoring card model, or the like. To reduce the risk of credit, a credit limit may be determined based on the credit information, and if the initial amount exceeds the credit limit, the loan application will not be responded to. Or if the initial amount exceeds the credit limit, the credit limit can be used as the current credit limit.
The loan request can be screened based on the loan admission condition, and the loan request can be responded only if the current transaction information meets the loan admission condition.
In one embodiment of the invention, the method further comprises: determining credit information, historical credit line and historical transaction information of an enterprise to which the user belongs;
the quota measuring model is a linear regression model;
determining the current credit line according to the current transaction information and a preset quota measuring model, wherein the method comprises the following steps:
training a linear regression model according to the historical credit line and the historical transaction information;
inputting the current transaction information into a trained linear regression model to obtain an initial quota;
and determining the current credit line according to the initial line and the credit information.
Because the linear regression model can learn the incidence relation between the historical credit line and the historical transaction information, the current credit line obtained by the method can better meet the real requirements of users under the condition of not generating credit risk.
As shown in fig. 3, the embodiment of the present invention takes a system for processing a loan request, which is composed of a first party client, a second party server, and a second party client, as an example, and describes in detail a method for processing a loan request, where the method includes the following steps:
step 301: and the first party client sends a loan request to the second party server according to the first trigger operation of the user.
The first party client is a client provided by a telecom operator and can be installed in terminals such as a mobile phone of a user, the second party client is a client provided by a bank and can be installed in terminals such as a mobile phone of a user, and the second party server can be a background of the bank.
The loan request comprises: personal information of the user and business information of a business to which the user belongs.
The first party client displays two identifications of 'applying for loan' and 'measuring amount'. Clicking 'loan application' as a first trigger operation, and clicking 'quota measurement' as a second trigger operation.
Step 302: the second party service authenticates the user based on the loan request, and if the user is authenticated, step 303 is performed.
Step 303: and the second party server side sends a verification passing message to the first party client side.
And the second party server sends verification information to each shareholder of the enterprise according to the personal information and the industrial and commercial information, so that each shareholder determines whether the user is an actual controller of the enterprise or not according to the verification information, if the verification passing information of each shareholder is received, the verification is passed, and if not, the verification is not passed.
Step 304: and the first party client displays the verification passing message.
The first party client displays a verification passing message to remind the user that follow-up operation can be carried out.
Step 305: the first party client sends a quota measuring request to the second party server according to a second triggering operation of the user, wherein the quota measuring request comprises: current transaction information for the user.
Step 306: the second party service end determines whether the current transaction information meets the loan admission condition, and if so, the step 307 is executed.
Step 307: and the second party server determines the credit information, the historical credit line and the historical transaction information of the enterprise to which the user belongs.
The credit information may include credit records of the actual controller of the business at the people's bank, etc., the business' credit rating, etc.
The current transaction information is shown in table 1.
TABLE 1
The loan admission conditions comprise: the method comprises the following steps that the enterprise is not listed in a blacklist of a first party, the time of the enterprise staying on a platform of the first party is up to two years, no accident refund or default condition exists on the platform of the first party, the channel score of the enterprise on the platform of the first party is larger than a first threshold, the accumulated transaction number of the enterprise in the first party platform is not lower than a second threshold in the last 12 months, the income of the enterprise in the last 12 months is not lower than a third threshold, the rebate data of the enterprise in the last 12 months is 0, and the accumulated three rebate data in the last 12 months is 0.
Step 308: and the second party server trains a linear regression model according to the historical credit line and the historical transaction information.
Step 309: and the second party server inputs the current transaction information into the trained linear regression model to obtain an initial quota.
The linear regression model is shown in formula 1.
y＝k1α+k2β+k3γ+k4δ+k5θ+k6μ+k7ρ+ε (1)
α, gamma, delta, theta, mu and rho represent contents in historical transaction information, and specific meanings refer to table 1. epsilon is used for ensuring random variables, y is used for representing historical credit line, k1-k7 is used for representing coefficients of all variables, k1-k7 and the value of epsilon can be obtained through model training, and current transaction information is input into a trained linear regression model to obtain an initial credit line.
Step 310: and the second party server determines the current credit line according to the initial line and the credit information.
Step 311: and the second party server sends the current credit limit to the first party client and the second party client.
Step 312: the first party client displays the current credit line so that the user can determine whether to open an account on the second party client according to the current credit line.
As shown in fig. 4, an embodiment of the present invention provides a first-party client, including:
the sending module 401 is configured to send a loan request to a second party service end according to a first trigger operation of a user; wherein, the loan request comprises: information of the user;
a receiving module 402, configured to receive a current credit line sent by a second party server;
the display module 403 is configured to display the current credit line, so that the user determines whether to open an account on the second party client according to the current credit line.
In an embodiment of the present invention, the receiving module 402 is configured to receive a verification passing message sent by the second party server;
a presentation module 403 configured to present the verification-passed message;
a sending module 401 configured to send a quota measuring request to a second party server according to a second trigger operation of the user; wherein, the quota measuring request comprises: current transaction information of the user;
as shown in fig. 5, an embodiment of the present invention provides a second party server, including:
a receiving module 501 configured to receive a loan request sent by a first-party client; wherein, the loan request comprises: information of the user;
a determining module 502 configured to determine a current credit line according to the information of the user;
the sending module 503 is configured to send the current credit line to the first-party client and the second-party client, so that the user determines whether to open an account on the second-party client according to the current credit line.
In one embodiment of the present invention, the determining module 502 is configured to authenticate the user according to the information of the user; if the verification is passed, sending a verification passing message to the first party client; receiving a quota measuring request sent by a first party client; wherein, the quota measuring request comprises: current transaction information of the user; and determining the current credit line according to the current transaction information.
In an embodiment of the present invention, the determining module 502 is configured to determine whether the current transaction information meets the loan admission condition, and if so, determine the current credit line according to the current transaction information and a preset quota measuring model.
In an embodiment of the present invention, the determining module 502 is configured to determine credit information, historical credit line and historical transaction information of an enterprise to which the user belongs;
the quota measuring model is a linear regression model;
a determining module 502 configured to train a linear regression model according to the historical credit line and the historical transaction information; inputting the current transaction information into a trained linear regression model to obtain an initial quota; and determining the current credit line according to the initial line and the credit information.
The embodiment of the invention provides a system for processing a loan request, which comprises: the first-party client of any of the above embodiments, the second-party server and the second-party client of any of the above embodiments.
An embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a method as in any one of the embodiments described above.
Fig. 6 illustrates an exemplary system architecture 600 of a first party client or a second party server for processing a loan request to which embodiments of the invention may be applied.
As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604, and a server 605. The network 604 serves to provide a medium for communication links between the terminal devices 601, 602, 603 and the server 605. Network 604 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 601, 602, 603 to interact with the server 605 via the network 604 to receive or send messages or the like. The terminal devices 601, 602, 603 may have installed thereon various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 605 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 601, 602, 603. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the processing method of the loan request provided by the embodiment of the present invention is generally executed by the server 605, and accordingly, the first party client or the second party server is generally disposed in the server 605.
It should be understood that the number of terminal devices, networks, and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 7 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. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer 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 of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, 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. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer 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 computer readable signal medium may also be any computer readable medium that is not a computer 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 computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a sending module, an obtaining module, a determining module, and a first processing module. The names of these modules do not form a limitation on the modules themselves in some cases, and for example, the sending module may also be described as a "module sending a picture acquisition request to a connected server".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device.
The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
sending a loan request to a second party service end according to a first trigger operation of a user; wherein, the loan request comprises: information of the user;
receiving the current credit line sent by the second party server;
and displaying the current credit line so that the user can determine whether to open an account on a second party client according to the current credit line.
The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
receiving a loan request sent by a first party client; wherein, the loan request comprises: information of the user;
determining the current credit line according to the information of the user;
and sending the current credit line to the first party client and the second party client so that the user determines whether to open an account on the second party client according to the current credit line displayed by the first party client.
The technical scheme of the embodiment of the invention can firstly determine the current credit line of the user according to the loan request, and the user can determine whether to open an account according to the current credit line. If the user thinks that the current credit line can not meet the self requirement, the user does not need to open an account. Therefore, the method can avoid resource waste and improve the user experience.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (11)
1. A method for processing a loan request, applied to a first-party client, comprising:
sending a loan request to a second party service end according to a first trigger operation of a user; wherein, the loan request comprises: information of the user;
receiving the current credit line sent by the second party server;
and displaying the current credit line so that the user can determine whether to open an account on a second party client according to the current credit line.
2. The method of claim 1,
the method further comprises the following steps:
receiving a verification passing message sent by the second party server;
displaying the verification passing message;
sending a quota measuring request to the second party server according to a second trigger operation of the user; wherein, the quota measurement request comprises: current transaction information for the user.
3. A loan request processing method is applied to a second party service end and comprises the following steps:
receiving a loan request sent by a first party client; wherein, the loan request comprises: information of the user;
determining the current credit line according to the information of the user;
and sending the current credit line to the first party client and the second party client so that the user determines whether to open an account on the second party client according to the current credit line displayed by the first party client.
4. The method of claim 3,
the determining the current credit line according to the information of the user comprises the following steps:
verifying the user according to the information of the user;
if the verification is passed, sending a verification passing message to the first party client;
receiving a quota measuring request sent by the first party client; wherein, the quota measurement request comprises: current transaction information of the user;
and determining the current credit line according to the current transaction information.
5. The method of claim 4,
the determining the current credit line according to the current transaction information comprises the following steps:
and determining whether the current transaction information meets the loan admission condition, and if so, determining the current credit line according to the current transaction information and a preset quota measuring model.
6. The method of claim 5, further comprising: determining credit information, historical credit line and historical transaction information of an enterprise to which the user belongs;
the quota measuring model is a linear regression model;
the step of determining the current credit line according to the current transaction information and a preset quota measuring model comprises the following steps:
training the linear regression model according to the historical credit line and the historical transaction information;
inputting the current transaction information into the trained linear regression model to obtain an initial quota;
and determining the current credit line according to the initial line and the credit information.
7. A first-party client, comprising:
the sending module is configured to send a loan request to a second party service end according to a first trigger operation of a user; wherein, the loan request comprises: information of the user;
the receiving module is configured to receive the current credit line sent by the second party server;
and the display module is configured to display the current credit line so that the user can determine whether to open an account on a second party client according to the current credit line.
8. A second party server, comprising:
the receiving module is configured to receive a loan request sent by a first party client; wherein, the loan request comprises: information of the user;
the determining module is configured to determine the current credit line according to the information of the user;
and the sending module is configured to send the current credit line to the first party client and the second party client so that the user can determine whether to open an account on the second party client according to the current credit line.
9. A system for processing a loan request, comprising: the first party client of claim 7, the second party server of claim 8 and the second party client.
10. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-6.
11. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-6.
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| CN202010054413.3A CN111275542A (en) | 2020-01-17 | 2020-01-17 | Loan request processing method, device and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010054413.3A CN111275542A (en) | 2020-01-17 | 2020-01-17 | Loan request processing method, device and system |
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| CN202010054413.3A Pending CN111275542A (en) | 2020-01-17 | 2020-01-17 | Loan request processing method, device and system |
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Effective date of registration: 20220920 Address after: 25 Financial Street, Xicheng District, Beijing 100033 Applicant after: CHINA CONSTRUCTION BANK Corp. Address before: 25 Financial Street, Xicheng District, Beijing 100033 Applicant before: CHINA CONSTRUCTION BANK Corp. Applicant before: Jianxin Financial Science and Technology Co.,Ltd. |