CN114881725A - Credit business data processing method and device, electronic equipment and storage medium - Google Patents
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Abstract
The application provides a credit business data processing method, a credit business data processing device, electronic equipment and a storage medium. The method comprises the following steps: receiving a credit request sent by a user side, wherein the credit request carries user information, request time and debit amount; acquiring a user label from a preset user classification system according to the user information; determining a target product group from a preset product routing system according to the user label; screening at least one target credit product from the target set of products based on the requested time and the debit amount; sending the at least one target credit product to the user side to enable the user to determine credit products that need to be transacted. Compared with the prior art, the method and the device have the advantages that the credit product of the user is controlled by distinguishing the types of the users and configuring the route of the credit product in the credit service, the loan risk can be controlled, the credit product meeting the requirements can be provided for the user, and accordingly user experience is improved.
Description
Technical Field
The application relates to the technical field of credit data processing, in particular to a credit business data processing method and device, electronic equipment and a computer readable storage medium.
Background
Along with the development of economy and society, the credit industry is getting larger and larger, and various credits are widely appeared in the lives of people.
Currently, credit business is rapidly developed by means of mobile internet technology, and the mode of the credit business is that credit products of a plurality of sponsors are generally centralized on the same credit service platform, and the platform matches some credit products to users according to a certain strategy according to credit applications, but certain credit borrowing risks often exist. Therefore, how to control the loan risk and provide the credit product meeting the demand for the user is a technical problem which needs to be solved urgently in the field.
Disclosure of Invention
The application aims to provide a credit business data processing method and device, electronic equipment and a computer readable storage medium.
A first aspect of the present application provides a credit service data processing method, including:
receiving a credit request sent by a user side, wherein the credit request carries user information, request time and debit amount;
responding to the credit request, and acquiring a user tag from a preset user classification system according to the user information;
determining a target product group from a preset product routing system according to the user tag, wherein the target product group comprises all credit products corresponding to the user tag, and each credit product comprises a borrowing limit, a repayment period number, a borrowing time, a loan time period, preferential information, a cost interest rate, an annual interest rate and a priority;
screening at least one target credit product from the target set of products based on the requested time and the debit amount;
sending the at least one target credit product to the user side to enable the user to determine credit products needing to be transacted from the at least one target credit product displayed at the user side.
In one possible implementation, said screening at least one target credit product from said target set of products based on said requested time and said debit amount comprises:
screening all credit products from the target product group whose debit amount meets the debit limit;
and screening out at least one target credit product with the request time according with the loan time period from all credit products with the loan amount according with the loan limit.
In one possible implementation, the sending the at least one target credit product to the user side to enable the user to determine credit products needing to be transacted from the at least one target credit product displayed at the user side includes:
and sending the at least one prioritized target credit product to the user side, so that the user determines credit products needing to be transacted from the at least one prioritized target credit product displayed by the user side.
In one possible implementation, the method further includes:
obtaining repayment interest corresponding to each target credit product according to the borrowing amount and the repayment period number, the borrowing duration, the preferential information, the cost interest rate and the annual interest rate of each target credit product;
and sending the repayment interest corresponding to each target credit product to a user side so as to display the repayment interest of each target credit product to the user through the user side.
A second aspect of the present application provides a credit service data processing apparatus, including:
the credit request carries user information, request time and borrowing amount;
the classification module is used for responding to the credit request and acquiring a user label from a preset user classification system according to the user information;
the routing module is used for determining a target product group from a preset product routing system according to the user tag, wherein the target product group comprises all credit products corresponding to the user tag, and each credit product comprises a borrowing limit, a repayment period number, a borrowing duration, a loan time period, preference information, a cost interest rate, an annual interest rate and a priority;
a screening module for screening at least one target credit product from said target set of products based on said requested time and said debit amount;
and the sending module is used for sending the at least one target credit product to the user side so that the user determines the credit products needing to be transacted from the at least one target credit product displayed on the user side.
In a possible implementation manner, the screening module is specifically configured to:
screening all credit products from the target product group whose borrowing amount meets the borrowing limit;
and screening out at least one target credit product with the request time according with the loan time period from all credit products with the loan amount according with the loan limit.
In a possible implementation manner, the sending module is specifically configured to:
and sending the at least one prioritized target credit product to the user side, so that the user determines credit products needing to be transacted from the at least one prioritized target credit product displayed by the user side.
In a possible implementation manner, the sending module is further configured to:
obtaining repayment interest corresponding to each target credit product according to the borrowing amount and the repayment period number, the borrowing duration, the preferential information, the cost interest rate and the annual interest rate of each target credit product;
and sending the repayment interest corresponding to each target credit product to a user side so as to display the repayment interest of each target credit product to the user through the user side.
A third aspect of the present application provides an electronic device comprising: the credit business data processing method comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes when running the computer program to realize the credit business data processing method of the first aspect of the application.
A fourth aspect of the present application provides a computer-readable storage medium having computer-readable instructions stored thereon, the computer-readable instructions being executable by a processor to implement the credit service data processing method of the first aspect of the present application.
The credit service data processing method, the credit service data processing device, the electronic equipment and the storage medium receive a credit request sent by a user side, wherein the credit request carries user information, request time and debit amount; responding to the credit request, and acquiring a user label from a preset user classification system according to the user information; determining a target product group from a preset product routing system according to the user tag, wherein the target product group comprises all credit products corresponding to the user tag; screening at least one target credit product from the target set of products based on the requested time and the debit amount; sending the at least one target credit product to the user side to enable the user to determine credit products needing to be transacted from the at least one target credit product displayed at the user side. Compared with the prior art, the method and the device have the advantages that the credit product of the user is controlled by distinguishing the types of the users and configuring the route of the credit product in the credit service, the loan risk can be controlled, the credit product meeting the requirements can be provided for the user, and accordingly user experience is improved.
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Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the application. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a flow diagram illustrating a credit business data processing method provided by the present application;
FIG. 1A is a schematic diagram illustrating a product routing configuration model provided herein;
FIG. 2 is a schematic diagram of a credit service data processing apparatus provided in the present application;
fig. 3 is a schematic structural diagram of an electronic device provided in the present application;
fig. 4 shows a schematic structural diagram of a computer-readable storage medium provided in the present application.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
It is to be noted that, unless otherwise specified, technical or scientific terms used herein shall have the ordinary meaning as understood by those skilled in the art to which this application belongs.
In addition, the terms "first" and "second", etc. are used to distinguish different objects, rather than to describe a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
The embodiment of the application provides a credit service data processing method and device, an electronic device and a computer readable storage medium, which are described below with reference to the accompanying drawings.
Fig. 1 is a flowchart illustrating a credit service data processing method according to an embodiment of the present application, and as shown in fig. 1, the method specifically includes the following steps:
s101, receiving a credit request sent by a user side, wherein the credit request carries user information, request time and debit amount.
The execution main body of the embodiment may be a credit business transaction platform (hereinafter referred to as "platform"), and the user may transact various credit products of various sponsors on the platform through the user side.
In this embodiment, when the user needs to transact the credit service, the user sends a credit request to the platform through the user side, where the request carries user information, request time, and debit amount. The user information may include asset information of vehicles, real estate and the like owned by the user, user side identification (indicating credit request source information), personal information of the user such as academic calendar, occupation, age and the like, and related credit information such as historical credit records and credit reports of the user. The requested time and the amount of the loan, for example, the requested time of a credit request submitted in Zhang three is 10:00 am and the amount of the loan is 8000 RMB.
S102, responding to the credit request, and acquiring a user tag from a preset user classification system according to the user information;
in this embodiment, the user classification system is pre-established according to the user information, and the establishment process is as follows: the method comprises the steps of collecting user information, for example, collecting asset information such as the number of vehicles owned by a user in a logistics business scene, personal information such as the academic calendar, the occupation and the age of the user, and related credit information such as historical credit records and credit reports of the user. And performing label division on the user through the user information. Different tag groups are set for the user. For example, tag a group (good quality user), tag B group (good quality user), tag C group (normal user), tag D group (bad quality user), and the like. Thus, a corresponding user tag may be derived from the user classification system, the user tag representing the user's credit level.
S103, determining a target product group from a preset product routing system according to the user label, wherein the target product group comprises all credit products corresponding to the user label, and each credit product comprises a borrowing quota, a repayment period number, a borrowing duration, a loan time period, preferential information, a cost interest rate, an annual interest rate and a priority;
in this embodiment, the product routing system is preconfigured for credit products of various sponsors according to the user tags, and the configuration items include: borrowing quota configuration, repayment period number and borrowing duration configuration, display time period configuration, preferential information configuration, priority configuration, annual interest rate and cost interest rate configuration and the like, please refer to the following table 1, and the configuration process is as follows:
1. different credit product groups are configured according to the user label types, for example, the users in the label A group are high-quality users, and the users in the label A group can be configured with product groups of large-amount borrowing products and multi-period borrowing products. Therefore, the amount control and the borrowing period control of the user borrowing products of different credit levels are ensured, the overdue or bad account behavior of the large-amount borrowing bill is reduced, the interest rate cost of the user borrowing bill can be reduced for the credit products of the credit users with high quality, and the virtuous circle of fund circulation of the users and credit companies (sponsoring parties) is improved.
2. Different credit products are classified in the credit product group according to the level of the borrowing amount submitted by the user, namely, the borrowing limit of the credit products is configured, and the products in the product group can control the display of the product group list according to the borrowing amount requested by the user. For example, the product list with lower rate is displayed when the borrowed amount is more than or equal to 1 ten thousand yuan.
3. The configuration is to display different credit products according to the credit request time of the user, that is to say to configure the display time period of the credit products. Since the credit products may be docked with different payers, the loan times are also divided differently, and therefore the display of the credit products needs to be controlled by different request times.
4. Different credit products are displayed according to the preferential marketing scheme, namely, the preferential information of the credit products is configured. In order to attract the user's motivation to transact the credit product, the user may be issued coupons or configured with reduced rate coupons in the marketing system. The configuration preferentially shows rate preferential products for the user, improves the user borrowing enthusiasm and simultaneously reduces the rate of using credit products by the user.
5. The credit product priority configuration scheme comprises a priority fund party configuration, a priority product term and borrowing term configuration, a priority product interest configuration, a priority borrowing product placing channel configuration and the like.
Table 1: product routing configuration corresponding to label A group in product routing system
Thus, the credit product groups to which the user tags correspond may be obtained from the product routing system.
In this embodiment, the product routing system is established based on the product routing configuration model, and the configuration parameters in the configuration items corresponding to different user tags are set correspondingly, and the configuration parameters corresponding to the user tags are input into the product routing configuration model, so that the credit product group corresponding to the user tags can be obtained quickly.
The product routing configuration model is obtained by training based on a machine learning method, for example, an Artificial Neural Network (ANN) is utilized to train the product routing configuration model, N data corresponding to a user label, such as a borrowing limit, a borrowing period, a product display time period, product discount information, a product priority, a cost interest rate, and the like, are used as the neuron number of an input layer, and the neuron number is used for inputting the N data to obtain the product routing configuration model
The number of neurons in the hidden layer is calculated through a matrix of the hidden layer, and quantitative data are output, and the number of neurons in the output layer is 1 and is a numerical value between 0 and 100. The model is repeatedly trained to realize a correction process, wherein the correction process comprises the correction of a calculation method, a structure and parameter adjustment, and the like, and the product is obtainedAfter the product route configuration model is trained, the fast matching of credit products requested by different users can be realized, and a product route configuration result is obtained, as shown in fig. 1A.
The method can effectively improve the personalized matching of the credit product and the accuracy of the risk control of the credit product by using the machine learning method.
S104, screening out at least one target credit product from the target product group according to the request time and the borrowing amount;
in this embodiment, after the target product group corresponding to the user tag is obtained in step S103, at least one target credit product meeting the condition is screened from the target product group according to the request time and the borrowing amount of the user.
Specifically, step S104 includes: screening all credit products from the target product group whose debit amount meets the debit limit; and screening out at least one target credit product with the request time according with the loan time period from all credit products with the loan amount according with the loan limit.
For example, the user Zhang III belongs to the tag A group, the request time submitted by Zhang III is 10:00 in the morning, the debit amount is 8000 Yuan, the product 4, the product 5, the product 6 and the product 7 can be matched according to the table 1, and the product 6, the product 4, the product 5 and the product 7 are sorted according to the priority.
S105, transmitting the at least one target credit product to the user side so that the user can determine credit products needing to be transacted from the at least one target credit product displayed on the user side;
in this embodiment, the product information of the matched target credit product is sent to the user side for display, the user determines the credit product to be transacted from the matched target credit product, and sends a confirmation transaction request to the platform after the determination is completed, and the platform transacts the relevant credit product for the user.
In order to facilitate the user to determine the credit product to be transacted and enhance the user experience, in some embodiments of the present application, the step S105 may be implemented as: and sending the at least one prioritized target credit product to the user side, so that the user determines credit products needing to be transacted from the at least one prioritized target credit product displayed by the user side. For example, the information of the products 6, 4, 5 and 7 sorted according to the priority is sent to the user side, and the user side also displays the information according to the priority, so that the user can conveniently select credit products meeting the requirements.
In order to facilitate the user in determining credit products to be transacted and to enhance the user experience, in further embodiments of the present application, the method further comprises the steps of:
obtaining repayment interest corresponding to each target credit product according to the borrowing amount and the repayment period number, the borrowing duration, the preferential information, the cost interest rate and the annual interest rate of each target credit product;
and sending the repayment interest corresponding to each target credit product to a user side so as to display the repayment interest of each target credit product to the user through the user side.
In this embodiment, assuming that the annual interest rate of the credit product to the customer is unified to be 20%, the repayment interest is calculated for the matched products 4, 5, 6 and 7:
if the user selects product 4:
the repayment period number is 1, the borrowing time is 30 days, the cost interest of the product is 8000 x 0.08/12 to 53.33 yuan, the repayment interest is 8000 x 0.2/12 to 133.33 yuan under the condition that the user does not have the benefit, the use benefit is 8000 x 0.2/12 to 0.8 to 106.66, the repayment interest (106.66) to the cost interest (53.33) to 53.33 yuan under the condition that the user has the benefit, and the collection interest (133.33) to the cost interest (53.33) to 80 yuan under the condition that the user does not have the benefit;
if the user selects product 5:
the repayment period number is 1, the borrowing time is 30 days, the cost interest of the product is 8000 x 0.10/12 to 66.66 yuan, the repayment interest of the customer is 8000 x 0.2/12 to 133.33 under the condition of no benefit, and the interest is collected (133.33) -the cost interest (66.66) to 66.67 yuan;
if the user selects product 6:
the repayment period number is 1, the borrowing time is 45 days, the cost interest of the product is 8000 x 0.08/360 x 45-1-80 yuan, the repayment interest of the customer is 8000 x 0.2/360 x 45-200 yuan under the condition of no benefit, and the interest (200) is collected-the cost interest (80) is 120 yuan; using the special offer 8000 x 0.2/360 x 45 x 0.8 ═ 160 yuan, and when the user has the special offer, repayment interest (160) — cost interest (80) ═ 80 yuan;
if product 7 is selected:
the repayment period is 3 days, the borrowing time is 90 days, and because the user occupies the principal fund for a long time, the corresponding interest generation is increased along with the increase of the borrowing days, and the risk level is correspondingly improved. The term product is suitable for borrowing by users with relatively good quality, and the periodic repayment can be used for a large amount of borrowing.
Comparing the product 4, the product 5, the product 6 and the product 7, it is found that in the same borrowing amount, the borrowing period is longer, the product preferential strength of the fund is greater for the user, and the credit interest obtained is also improved when the loan time of the fund is longer. And through the product priority configuration, the user can preferentially select credit products with higher preferential degree, and credit products with higher profit are also provided for the sponsor. Therefore, the method and the device can realize personalized matching of the credit products of the users and risk control of the credit products, and can fully ensure the profits of the users and the payers to be maximized.
The credit service data processing method provided by this embodiment receives a credit request sent by a user side, where the credit request carries user information, request time, and a debit amount; responding to the credit request, and acquiring a user tag from a preset user classification system according to the user information; determining a target product group from a preset product routing system according to the user tag, wherein the target product group comprises all credit products corresponding to the user tag; screening at least one target credit product from the target set of products based on the requested time and the debit amount; sending the at least one target credit product to the user side to enable the user to determine credit products needing to be transacted from the at least one target credit product displayed at the user side. Compared with the prior art, the method and the device have the advantages that the credit product of the user is controlled by distinguishing the types of the users and configuring the route of the credit product in the credit service, the loan risk can be controlled, the credit product meeting the requirements can be provided for the user, and accordingly user experience is improved.
In the above embodiment, a credit business data processing method is provided, and correspondingly, the application also provides a credit business data processing device. The credit service data processing apparatus provided in the embodiment of the present application may implement the above-mentioned credit service data processing method, and the credit service data processing apparatus may be implemented by software, hardware, or a combination of software and hardware. For example, the credit service data processing arrangement may comprise integrated or separate functional modules or units to perform the corresponding steps in the methods described above. Referring to fig. 2, a schematic diagram of a credit service data processing apparatus according to an embodiment of the present application is shown. Since the apparatus embodiments are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for relevant points. The device embodiments described below are merely illustrative.
As shown in fig. 2, the credit service data processing apparatus 10 may include:
the credit management system comprises a receiving module 101, a credit management module and a credit management module, wherein the receiving module 101 is used for receiving a credit request sent by a user side, and the credit request carries user information, request time and debit amount;
the classification module 102 is used for responding to the credit request and acquiring a user tag from a preset user classification system according to the user information;
the routing module 103 is configured to determine a target product group from a preset product routing system according to the user tag, where the target product group includes all credit products corresponding to the user tag, and each credit product includes a borrowing limit, a repayment period, a borrowing duration, a loan time period, offer information, a cost interest rate, an annual interest rate, and a priority;
a screening module 104 for screening at least one target credit product from said target set of products based on said requested time and said debit amount;
a sending module 105, configured to send the at least one target credit product to the user side, so that the user determines a credit product to be transacted from the at least one target credit product displayed on the user side.
In a possible implementation manner, the screening module 104 is specifically configured to:
screening all credit products from the target product group whose debit amount meets the debit limit;
and screening out at least one target credit product with the request time according with the loan time period from all credit products with the loan amount according with the loan limit.
In a possible implementation manner, the sending module 105 is specifically configured to:
and sending the at least one prioritized target credit product to the user side, so that the user determines credit products needing to be transacted from the at least one prioritized target credit product displayed by the user side.
In a possible implementation manner, the sending module 105 is further configured to:
obtaining repayment interest corresponding to each target credit product according to the borrowing amount and the repayment period number, the borrowing duration, the preferential information, the cost interest rate and the annual interest rate of each target credit product;
and sending the repayment interest corresponding to each target credit product to a user side so as to display the repayment interest of each target credit product to the user through the user side.
The credit business data processing device provided by the embodiment of the application and the credit business data processing method provided by the embodiment of the application have the same inventive concept and have the same beneficial effects as the method adopted, operated or realized by the device.
The embodiment of the present application further provides an electronic device corresponding to the credit service data processing method provided in the foregoing embodiment, where the electronic device may be a mobile phone, a notebook computer, a tablet computer, a desktop computer, or the like, so as to execute the credit service data processing method.
Please refer to fig. 3, which illustrates a schematic diagram of an electronic device according to some embodiments of the present application. As shown in fig. 3, the electronic device 20 includes: the system comprises a processor 200, a memory 201, a bus 202 and a communication interface 203, wherein the processor 200, the communication interface 203 and the memory 201 are connected through the bus 202; the memory 201 stores a computer program that can be executed on the processor 200, and the processor 200 executes the credit business data processing method provided by any one of the previous embodiments of the present application when executing the computer program.
The Memory 201 may include a high-speed Random Access Memory (RAM) and may further include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory. The communication connection between the network element of the system and at least one other network element is realized through at least one communication interface 203 (which may be wired or wireless), and the internet, a wide area network, a local network, a metropolitan area network, and the like can be used.
The processor 200 may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware or instructions in the form of software in the processor 200. The Processor 200 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; but may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components. The various methods, steps, and logic blocks disclosed in the embodiments of the present application may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present application may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in the memory 201, and the processor 200 reads the information in the memory 201 and completes the steps of the method in combination with the hardware thereof.
The electronic device provided by the embodiment of the application and the credit business data processing method provided by the embodiment of the application have the same inventive concept and have the same beneficial effects as the method adopted, operated or realized by the electronic device.
The embodiment of the present application further provides a computer-readable storage medium corresponding to the credit business data processing method provided in the foregoing embodiment, please refer to fig. 4, which illustrates a computer-readable storage medium, which is an optical disc 30, and a computer program (i.e., a program product) is stored thereon, and when the computer program is executed by a processor, the computer program will execute the credit business data processing method provided in any of the foregoing embodiments.
It should be noted that examples of the computer-readable storage medium may also include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory, or other optical and magnetic storage media, which are not described in detail herein.
The computer-readable storage medium provided by the above-mentioned embodiment of the present application and the credit business data processing method provided by the embodiment of the present application have the same beneficial effects as the method adopted, operated or implemented by the application program stored in the computer-readable storage medium.
Finally, it should be noted that: the above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present disclosure, and the present disclosure should be construed as being covered by the claims and the specification.
Claims (10)
1. A credit service data processing method, comprising:
receiving a credit request sent by a user side, wherein the credit request carries user information, request time and debit amount;
responding to the credit request, and acquiring a user tag from a preset user classification system according to the user information;
determining a target product group from a preset product routing system according to the user tag, wherein the target product group comprises all credit products corresponding to the user tag, and each credit product comprises a borrowing limit, a repayment period number, a borrowing time, a loan time period, preferential information, a cost interest rate, an annual interest rate and a priority;
screening at least one target credit product from said target group of products based on said requested time and said debit amount;
sending the at least one target credit product to the user side to enable the user to determine credit products needing to be transacted from the at least one target credit product displayed at the user side.
2. The method according to claim 1, wherein said screening at least one target credit product from said target set of products based on said requested time and said debit amount comprises:
screening all credit products from the target product group whose debit amount meets the debit limit;
and screening out at least one target credit product with the request time according with the loan time period from all credit products with the loan amount according with the loan limit.
3. The method according to claim 1, wherein the sending the at least one target credit product to the user end for the user to determine credit products needing to be transacted from the at least one target credit product displayed at the user end comprises:
and sending the at least one prioritized target credit product to the user side, so that the user determines credit products needing to be transacted from the at least one prioritized target credit product displayed by the user side.
4. The method of claim 1, further comprising:
obtaining repayment interest corresponding to each target credit product according to the borrowing amount and the repayment period number, the borrowing duration, the preferential information, the cost interest rate and the annual interest rate of each target credit product;
and sending the repayment interest corresponding to each target credit product to a user side so as to display the repayment interest of each target credit product to the user through the user side.
5. A credit transaction data processing apparatus, comprising:
the credit request carries user information, request time and borrowing amount;
the classification module is used for responding to the credit request and acquiring a user label from a preset user classification system according to the user information;
the routing module is used for determining a target product group from a preset product routing system according to the user tag, wherein the target product group comprises all credit products corresponding to the user tag, and each credit product comprises a borrowing limit, a repayment period number, a borrowing duration, a loan time period, preference information, a cost interest rate, an annual interest rate and a priority;
a screening module for screening at least one target credit product from said target set of products based on said requested time and said debit amount;
and the sending module is used for sending the at least one target credit product to the user side so that the user determines the credit products needing to be transacted from the at least one target credit product displayed on the user side.
6. The apparatus of claim 5, wherein the screening module is specifically configured to:
screening all credit products from the target product group whose debit amount meets the debit limit;
and screening out at least one target credit product with the request time according with the loan time period from all credit products with the loan amount according with the loan limit.
7. The apparatus of claim 5, wherein the sending module is specifically configured to:
and sending the at least one prioritized target credit product to the user side, so that the user determines credit products needing to be transacted from the at least one prioritized target credit product displayed by the user side.
8. The apparatus of claim 5, wherein the sending module is further configured to:
obtaining repayment interest corresponding to each target credit product according to the borrowing amount and the repayment period number, the borrowing duration, the preferential information, the cost interest rate and the annual interest rate of each target credit product;
and sending the repayment interest corresponding to each target credit product to a user side so as to display the repayment interest of each target credit product to the user through the user side.
9. An electronic device, comprising: memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor executes the computer program to implement the method according to any of claims 1 to 4.
10. A computer-readable storage medium having computer-readable instructions stored thereon, the computer-readable instructions being executable by a processor to implement the method of any one of claims 1 to 4.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210426647.5A CN114881725A (en) | 2022-04-22 | 2022-04-22 | Credit business data processing method and device, electronic equipment and storage medium |
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| CN202210426647.5A CN114881725A (en) | 2022-04-22 | 2022-04-22 | Credit business data processing method and device, electronic equipment and storage medium |
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Application publication date: 20220809 |