CN115018638B - Method and device for determining service limit - Google Patents
Method and device for determining service limit Download PDFInfo
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- CN115018638B CN115018638B CN202210941277.9A CN202210941277A CN115018638B CN 115018638 B CN115018638 B CN 115018638B CN 202210941277 A CN202210941277 A CN 202210941277A CN 115018638 B CN115018638 B CN 115018638B
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Abstract
The application provides a service quota determining method and a device, wherein the service quota determining method comprises the following steps: when the target user meets the admission condition, acquiring the service data of the target user; performing first-stage accounting according to the service data to obtain first-stage accounting attributes; when the first credit stage attribute does not accord with a first expected credit threshold value input by a target user, performing second credit stage according to the service data and the first credit stage attribute to obtain a second credit stage attribute and an oasis attribute; and when the second quota stage attribute does not accord with a second expected quota threshold value input by the target user, performing three-stage quota according to the oasis attribute, the first quota stage attribute and the second quota stage attribute to determine the final service quota of the target user. Therefore, by implementing the implementation mode, the service quota can be automatically determined without manual participation, the influence of subjective factors is avoided, and the checking time is short, so that the service handling efficiency is favorably improved.
Description
Technical Field
The application relates to the technical field of data processing, in particular to a method and a device for determining a service quota.
Background
At present, the amount is a core module for client loan application, and on the premise of obtaining client authorization, the amount which the client can obtain to the maximum or whether the client can obtain the amount is measured in various ways while considering business risks. The existing method for determining the service credit limit usually determines the corresponding service credit limit by manually checking the user data. However, in practice, the existing method consumes manpower and material resources, the quota determination is influenced by subjective factors, and meanwhile, the quota checking process takes longer time, so that the business handling efficiency is reduced.
Disclosure of Invention
The embodiment of the application aims to provide a service quota determining method and device, which can automatically determine a service quota, do not need manual participation, avoid the influence of subjective factors, and have short quota checking time, thereby being beneficial to improving service handling efficiency.
A first aspect of the embodiments of the present application provides a method for determining a service quota, including:
when a target user meets an admission condition, acquiring service data of the target user;
performing first-stage quota according to the service data to obtain first-quota-stage attributes;
when the first quota stage attribute does not accord with a first expected quota threshold value input by the target user, performing second quota stage according to the service data and the first quota stage attribute to obtain a second quota stage attribute and an oasis attribute; the first quota stage attribute is that the first quota stage attribute does not accord with the first expected quota threshold or accords with the first expected quota threshold, and the oasis attribute is that screen capture data uploading by a user is feasible or screen capture data uploading by the user is infeasible;
when the second credit stage attribute does not accord with a second expected credit threshold value input by the target user, performing three-stage credit according to the oasis attribute, the first credit stage attribute and the second credit stage attribute to determine the final service credit of the target user; and the second credit stage attribute is that the second credit stage attribute does not meet the second expected credit threshold or meets the second expected credit threshold.
In the implementation process, the method can acquire the service data of the target user when the target user meets the admission condition; performing first-stage accounting according to the service data to obtain first-stage accounting attributes; then, when the first quota stage attribute is not in accordance with a first expected quota threshold value input by a target user, performing second quota stage according to the service data and the first quota stage attribute to obtain a second quota stage attribute and an oasis attribute; and further performing three-stage accounting according to the oasis attribute, the first credit stage attribute and the second credit stage attribute to determine the final service credit of the target user when the second credit stage attribute does not accord with a second expected credit threshold input by the target user. Therefore, by implementing the implementation mode, the service quota can be automatically determined without manual participation, the influence of subjective factors is avoided, and the checking time is short, so that the service handling efficiency is favorably improved.
Further, the method further comprises:
when an authorization instruction of a target user is received, acquiring basic information of the target user;
judging whether the target user meets the admission condition or not according to the basic information;
and if so, executing the acquisition of the service data of the target user.
Further, the performing the first-stage credit according to the service data to obtain a first-credit-stage attribute includes:
acquiring first-stage credit data and a first expected credit threshold value input by the target user according to the service data;
and analyzing the first credit stage attribute of the target user according to the first stage credit data and the first expected credit threshold.
Further, the performing second-stage quorum according to the service data and the first quorum stage attribute to obtain a second quorum stage attribute and an oasis attribute includes:
inquiring the two-stage credit data of the target user and a second expected credit threshold value input by the target user according to the first credit stage attribute and the service data;
and analyzing a second credit stage attribute and an oasis attribute of the target user according to the two-stage credit data and the second expected credit threshold.
Further, the determining the final service amount of the target user by performing three-stage accounting according to the oasis attribute, the first accounting stage attribute, and the second accounting stage attribute includes:
judging whether the oasis attribute meets a preset oasis requirement or not; the preset oasis requirement comprises that a user can upload screen capture data;
if yes, acquiring three-stage screenshot data uploaded by the target user; the three-stage screen capture data at least comprises public deposit inquiry screen capture data, personal tax inquiry screen capture data and annual deposit payment certificate screen capture data which are uploaded by a user;
and determining the final service quota of the target user according to the three-stage screen capturing data, the first quota stage attribute and the second quota stage attribute.
Further, the determining the final service amount of the target user according to the three-stage screen capture data, the first credit stage attribute and the second credit stage attribute includes:
determining a first core quota according to the first core stage attribute, and determining a second core quota according to the second core stage attribute;
identifying the three-stage screenshot data to obtain three-stage rating data, and analyzing the three-stage rating data to obtain a third rating limit of the target user;
and determining the maximum credit limit from the first credit limit, the second credit limit and the third credit limit according to a preset optimal selection algorithm to be used as a final service limit.
A second aspect of the embodiments of the present application provides a service quota determining apparatus, including:
an obtaining unit, configured to obtain service data of a target user when the target user meets an admission condition;
the first quota unit is used for performing first-stage quota according to the service data to obtain first quota stage attributes;
the second credit unit is used for carrying out second-stage credit according to the service data and the first credit stage attribute when the first credit stage attribute does not accord with a first expected credit threshold value input by the target user, so as to obtain a second credit stage attribute and an oasis attribute; the first quota stage attribute is not in accordance with the first expected quota threshold or is in accordance with the first expected quota threshold, and the oasis attribute is that the screen capturing data uploading of the user is feasible or the screen capturing data uploading of the user is infeasible;
a third quota unit, configured to perform three-stage quota according to the oasis attribute, the first quota stage attribute, and the second quota stage attribute when the second quota stage attribute does not meet a second expected quota threshold input by the target user, and determine a final service quota of the target user; and the second credit stage attribute is that the second credit stage attribute does not meet the second expected credit threshold or meets the second expected credit threshold.
In the implementation process, the service quota determining apparatus may obtain, by the obtaining unit, service data of a target user when the target user meets an admission condition; performing first-stage accounting according to the service data through a first accounting unit to obtain first-accounting-stage attributes; when the first credit stage attribute does not accord with a first expected credit threshold input by the target user, performing second credit stage checking according to the service data and the first credit stage attribute by using a second credit unit to obtain a second credit stage attribute and an oasis attribute; and then, when the second quota stage attribute does not meet a second expected quota threshold value input by the target user, a third quota unit performs three-stage quota according to the oasis attribute, the first quota stage attribute and the second quota stage attribute to determine a final service quota of the target user. Therefore, by implementing the implementation mode, the service quota can be automatically determined without manual participation, the influence of subjective factors is avoided, and the checking time is short, so that the service handling efficiency is favorably improved.
Further, the obtaining unit is further configured to obtain basic information of a target user when an authorization instruction of the target user is received;
the service amount determining device further comprises:
the judging unit is used for judging whether the target user accords with the admission condition or not according to the basic information; if yes, triggering the acquisition unit to acquire the service data of the target user.
Further, the first quota unit comprises:
the first acquiring subunit is used for acquiring first-stage credit data and a first expected credit threshold value input by the target user according to the service data;
and the first analysis subunit is used for analyzing the first credit stage attribute of the target user according to the first stage credit data and the first expected credit threshold.
Further, the second credit unit includes:
a second query subunit, configured to, when the first credit stage attribute does not meet a first expected credit threshold input by the target user, query, according to the first credit stage attribute and the service data, two-stage credit data of the target user and a second expected credit threshold input by the target user;
and the second analysis subunit is used for analyzing the second quota stage attribute and the oasis attribute of the target user according to the two-stage quota data and the second expected quota threshold value.
Further, the third quota unit comprises:
a third judging subunit, configured to, when the second quota stage attribute is not in accordance with a second expected quota threshold input by the target user, judge whether the oasis attribute is in accordance with a preset oasis requirement; the preset oasis requirement comprises that a user can upload screen capture data;
the third acquiring subunit is used for acquiring the three-stage screenshot data uploaded by the target user when the oasis attribute meets a preset oasis requirement; the three-stage screen capture data at least comprises public deposit inquiry screen capture data, personal tax inquiry screen capture data and annual deposit payment certificate screen capture data which are uploaded by a user;
and the third determining subunit is used for determining the final service quota of the target user according to the three-stage screen capture data, the first quota stage attribute and the second quota stage attribute.
Further, the third determining subunit includes:
the determining module is used for determining a first credit limit according to the first credit stage attribute and determining a second credit limit according to the second credit stage attribute;
the identification module is used for identifying the three-stage screen capture data to obtain three-stage credit data, and analyzing the three-stage credit data to obtain a third credit limit of the target user;
the determining module is further configured to determine a maximum core quota unit from the first core quota unit, the second core quota unit, and the third core quota unit according to a preset optimal selection algorithm, and serve as a final service quota unit.
A third aspect of the embodiments of the present application provides an electronic device, including a memory and a processor, where the memory is used to store a computer program, and the processor runs the computer program to enable the electronic device to execute the method for determining a business quota according to any one of the first aspect of the embodiments of the present application.
A fourth aspect of the embodiments of the present application provides a computer-readable storage medium, which stores computer program instructions, where the computer program instructions, when read and executed by a processor, perform the method for determining a service credit as described in any one of the first aspect of the embodiments of the present application.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments of the present application will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and that those skilled in the art can also obtain other related drawings based on the drawings without inventive efforts.
Fig. 1 is a schematic flow chart of a method for determining a service quota according to an embodiment of the present application;
FIG. 2 is a schematic flow chart of another method for determining a credit limit according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of a service quota determining apparatus according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of another service quota determining apparatus provided in the embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures. Meanwhile, in the description of the present application, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance.
Example 1
Referring to fig. 1, fig. 1 is a schematic flow chart of a method for determining a service quota according to an embodiment of the present application. The method for determining the service quota comprises the following steps:
s101, when the target user meets the admission condition, the service data of the target user is obtained.
In this embodiment, the service data is free data of the client, which can be automatically queried, such as data resources of a security policy, an agent, a surcharge, client AUM asset information, and a client expectation identifier.
S102, performing first-stage accounting according to the service data to obtain first-stage accounting attributes.
In the embodiment of the present application, the first credit phase attribute is not met with the first expected credit threshold or is met with the first expected credit threshold.
S103, when the first quota stage attribute is not in accordance with a first expected quota threshold value input by the target user, performing second quota stage according to the service data and the first quota stage attribute to obtain a second quota stage attribute and an oasis attribute.
In this embodiment, the second credit phase attribute is not in compliance with the second expected credit threshold or is in compliance with the second expected credit threshold.
In the embodiment of the application, the oasis attribute is that the user can upload the screenshot data or the user cannot upload the screenshot data.
In this embodiment, the Oasis network is the first global blockchain network with privacy protection function and expansibility.
And S104, when the second quota stage attribute does not accord with a second expected quota threshold value input by the target user, performing three-stage quota according to the oasis attribute, the first quota stage attribute and the second quota stage attribute to determine the final service quota of the target user.
In this embodiment, the method can integrate the checking out of the quota in each stage to obtain the final quota of the client, and the final quota supports recycling, so that the client can increase the quota at any time when having the loan demand.
In this embodiment, the final customer quota is:
Min（Max（W n ）,productLimit，riskLimit）。
in this embodiment, the method may further record data resources queried by the client at different stages, and cache the data resources as multiplexed data resources of the client. Each core phase supports the addition and replacement of data resources so that the phase core service improves the applicability. Meanwhile, in practice, the kernel model can be optimized, kernel data in different stages are recorded and serve as historical records of customers, and the historical records serve as input data of model optimization to optimize stage-type kernel service.
In this embodiment, the amount checking is a core step of the client loan application, and in the process, the amount that the client can obtain the maximum amount or whether the client can obtain the amount is measured in various ways while considering the business risk on the premise of obtaining the authorization of the client. The amount of credit available to the client is directly related to the client's loan will, and various banks are also continuously creating and optimizing credit services, including parallel credit and gradient credit. In practice, due to the difference of different client resources, such as the generation wage information of standard payroll clients, the public accumulation fund, the payment information of social security and the like; AUM asset information, tax information, etc. from the hiring person. The method makes a key problem on how to utilize the client resources to the maximum extent and quickly calculate the maximum amount which can be obtained by the client through the analysis of different resources of the client. The application aims to solve the problem and provides a business amount determining method, so that the method can be greatly applied to the bank personal loan business, and is favorable for improving the customer satisfaction, promoting the customer acquisition and helping the loan business increase.
In this embodiment, the traditional credit checking service has a single function and low customer conversion rate, and after the customer fills in personal information, the system can check out the credit as the maximum credit applied by the customer at this time, but the credit does not support recycling and cannot meet the credit requirements of the customer at different time intervals, so that bad experience is easily caused to the customer, and thus, the traditional single credit checking service faces more and more obvious challenges. Meanwhile, the access of the credit check service to an external data source is limited, a large number of clients with good qualification potential can not obtain the credit or obtain a lower credit, and because the credit cannot meet the requirement, the clients give up applying for loans, the client loan willingness is influenced, and meanwhile, the negative marketing of a client manager can be caused. Therefore, the method can effectively solve the problems and achieve the corresponding effect.
In this embodiment, the execution subject of the method may be a computing device such as a computer and a server, and is not limited in this embodiment.
In this embodiment, an execution subject of the method may also be an intelligent device such as a smart phone and a tablet computer, which is not limited in this embodiment.
It can be seen that, by implementing the method for determining the service quota described in this embodiment, the maximum quota of the client can be calculated preferentially according to the staged quota result, and the client is supported to perform quota increase according to the quota requirements at different time intervals. Therefore, the method can quickly identify the demand of the client amount, so that the method can be widely applied to personal loan service, and is favorable for improving the satisfaction degree of the client and promoting the increase of the loan service.
Example 2
Please refer to fig. 2, fig. 2 is a schematic flow chart of a method for determining a service credit according to an embodiment of the present application. The service quota determining method comprises the following steps:
s201, when an authorization instruction of a target user is received, acquiring basic information of the target user.
In this embodiment, the method is initiated by the client for authorization, and the basic information is inputted, and the expected quota threshold is selected, and then the system automatically checks whether the client is eligible for admission.
S202, judging whether the target user meets the admission condition or not according to the basic information, if so, executing a step S203; if not, the flow is ended.
In this embodiment, the method may extract basic information input by the client to identify whether the client is eligible for admission, if the client is eligible for admission, the method passes, and if the client is not eligible for admission, the method rejects.
S203, acquiring the service data of the target user.
S204, acquiring first-stage credit data and a first expected credit threshold value input by a target user according to the service data.
S205, analyzing the first credit stage attribute of the target user according to the first-stage credit data and the first expected credit threshold.
In this embodiment, the one-stage quota data at least includes a quota for one-stage core and upper and lower limits of quota for one-stage core.
S206, when the first credit stage attribute does not accord with a first expected credit threshold value input by the target user, inquiring two-stage credit data of the target user and a second expected credit threshold value input by the target user according to the first credit stage attribute and the service data.
And S207, analyzing a second credit stage attribute and an oasis attribute of the target user according to the two-stage credit data and a second expected credit threshold.
S208, when the second quota stage attribute does not accord with a second expected quota threshold value input by the target user, judging whether the oasis attribute accords with a preset oasis requirement, if so, executing a step S209; if not, the flow is ended.
In this embodiment, the preset oasis requirement includes that the user can upload screen capture data. The oasis attribute is that the user is feasible or infeasible to upload the screen capture data.
In the embodiment, when the oasis attribute is that the uploading of the screenshot data by the user is feasible, the oasis attribute meets the preset oasis requirement; and when the oasis attribute is that the screen capture data uploading by the user is not feasible, the oasis attribute does not meet the preset oasis requirement.
And S209, acquiring the three-stage screenshot data uploaded by the target user.
In this embodiment, the three-stage screenshot data at least includes the accumulated fund inquiry screenshot data, the personal tax inquiry screenshot data, the annuity payment certificate screenshot data, and the like uploaded by the user, and the embodiment of the present application is not limited thereto.
In this embodiment, the three-stage screenshot identifies three-stage credit data.
S210, determining the final service quota of the target user according to the three-stage screen capture data, the first quota stage attribute and the second quota stage attribute.
As an optional implementation manner, determining the final service amount of the target user according to the three-stage screenshot data, the first credit stage attribute, and the second credit stage attribute includes:
determining a first credit limit according to the first credit stage attribute, and determining a second credit limit according to the second credit stage attribute;
identifying the three-stage screenshot data to obtain three-stage rating data, and analyzing the three-stage rating data to obtain a third rating limit of the target user;
and determining the maximum credit limit from the first credit limit, the second credit limit and the third credit limit according to a preset optimal selection algorithm to be used as the final service limit.
For example, the method automatically queries the customer free data: data resources such as safety insurance policy, agent, surrogated wage, client AUM asset information and the like are checked; then, collecting first-stage credit data and expected credit threshold, automatically analyzing client credit stage attribute by the system, judging whether to inquire the client Jin Baoxin and the bank insurance charging data to perform second-stage credit, if the first-stage credit does not accord with the client expected credit threshold, judging that the credit stage attribute is that the client is unsatisfied with the first-stage credit result, and quickly switching to the second-stage credit; and then acquiring two-stage rating data and a client expected limit threshold value, automatically analyzing the client rating stage attribute by the system, analyzing the oasis attribute, judging whether to prompt the client to upload a public deposit, personal tax and annuity for three-stage rating by capturing a screen, and if the two-stage limit does not accord with the client expected limit threshold value, automatically analyzing the client oasis attribute by the system, prompting the client to upload the oasis screen and quickly switch to the three-stage rating, and keeping the client expected limit.
In practical application, different data resources of a client are inquired when the credit is checked at each stage, a client data source is used as a weighting coefficient, four of the base number, income multiple, client liability and income liability ratio of each type of resource are respectively extracted as input, and a credit model is used for solving the credit check amount w, namely solving:
after the quota w is calculated, the automatic analysis of the client quota stage attribute is supported, when a client expectation quota threshold value is input, the corresponding stage attribute and quota can be output, and whether the attribute is in accordance with the client expectation or not is judged.
In this embodiment, the execution subject of the method may be a computing device such as a computer and a server, and is not limited in this embodiment.
In this embodiment, an execution subject of the method may also be an intelligent device such as a smart phone and a tablet computer, which is not limited in this embodiment.
It can be seen that, by implementing the method for determining the service quota described in this embodiment, the maximum quota of the client can be calculated preferentially according to the staged quota result, and the client is supported to perform quota increase according to the quota requirements at different time intervals. Therefore, the method can quickly identify the demand of the client amount, so that the method can be widely applied to personal loan service, and is further beneficial to improving the satisfaction degree of the client and promoting the increase of the loan service.
Example 3
Please refer to fig. 3, fig. 3 is a schematic structural diagram of a service quota determining apparatus according to an embodiment of the present application. As shown in fig. 3, the service credit line determining device includes:
an obtaining unit 310, configured to obtain service data of a target user when the target user meets an admission condition;
a first credit unit 320, configured to perform a first-stage credit according to the service data to obtain a first credit stage attribute;
the second credit unit 330 is configured to perform second-stage credit according to the service data and the first credit stage attribute to obtain a second credit stage attribute and an oasis attribute when the first credit stage attribute does not meet a first expected credit threshold input by the target user;
the third credit unit 340 is configured to perform three-stage credit based on the oasis attribute, the first credit stage attribute, and the second credit stage attribute to determine the final service credit of the target user when the second credit stage attribute does not meet a second expected credit threshold input by the target user.
In this embodiment, for the explanation of the service amount determining device, reference may be made to the description in embodiment 1 or embodiment 2, and details of this embodiment are not repeated.
It can be seen that, the service quota determining apparatus described in this embodiment can calculate the maximum quota of the client based on the staged quota result, and support the client to perform quota increase based on the quota requirement in different time periods. Therefore, the device can quickly identify the requirement of the client amount, so that the device can be widely applied to personal loan service, and is favorable for improving the satisfaction degree of the client and promoting the increase of the loan service.
Example 4
Referring to fig. 4, fig. 4 is a schematic structural diagram of a service quota determining apparatus according to an embodiment of the present application. As shown in fig. 4, the service amount determining apparatus includes:
an obtaining unit 310, configured to obtain service data of a target user when the target user meets an admission condition;
a first credit unit 320, configured to perform a first-stage credit according to the service data to obtain a first credit stage attribute;
the second credit unit 330 is configured to perform second-stage credit according to the service data and the first credit stage attribute to obtain a second credit stage attribute and an oasis attribute when the first credit stage attribute does not meet a first expected credit threshold input by the target user;
and a third quota unit 340, configured to perform three-stage quota according to the oasis attribute, the first quota stage attribute, and the second quota stage attribute when the second quota stage attribute does not meet the second expected quota threshold input by the target user, and determine the final service quota of the target user.
As an optional implementation manner, the obtaining unit 310 is further configured to obtain basic information of the target user when an authorization instruction of the target user is received;
the service amount determining device further comprises:
a judging unit 350, configured to judge whether the target user meets an admission condition according to the basic information; if yes, the trigger acquiring unit 310 acquires the service data of the target user.
As an alternative embodiment, the first credit unit 320 includes:
a first obtaining subunit 321, configured to obtain, according to the service data, first-stage credit data and a first expected credit threshold input by the target user;
a first analyzing subunit 322, configured to analyze the first credit phase attribute of the target user according to the first phase credit data and the first expected credit threshold.
As an alternative embodiment, the second credit unit 330 includes:
the second query subunit 331, configured to query, when the first credit stage attribute does not meet the first expected credit threshold input by the target user, the second credit data of the target user and the second expected credit threshold input by the target user according to the first credit stage attribute and the service data;
and a second analysis subunit 332, configured to analyze the second quota phase attribute and the oasis attribute of the target user according to the two-phase quota data and the second expected quota threshold.
As an alternative embodiment, the third credit unit 340 includes:
a third determining subunit 341, configured to determine whether the oasis attribute meets the preset oasis requirement when the second quota stage attribute does not meet the second expected quota threshold input by the target user;
the third obtaining subunit 342 is configured to obtain three-stage screenshot data uploaded by the target user when the oasis attribute meets a preset oasis requirement;
the third determining subunit 343 is configured to determine the final service quota of the target user according to the three-stage screenshot data, the first quota stage attribute, and the second quota stage attribute.
As an alternative implementation, the third determining subunit 343 includes:
the determining module is used for determining a first core quota according to the first core stage attribute and determining a second core quota according to the second core stage attribute;
the identification module is used for identifying the three-stage screen capture data to obtain three-stage credit data, and analyzing the three-stage credit data to obtain a third credit limit of the target user;
the determining module is further used for determining the maximum credit limit from the first credit limit, the second credit limit and the third credit limit according to a preset optimal selection algorithm to serve as the final service limit.
In this embodiment, for the explanation of the service amount determining device, reference may be made to the description in embodiment 1 or embodiment 2, and details of this embodiment are not repeated.
It can be seen that, the service quota determining apparatus described in this embodiment can calculate the maximum quota of the client based on the staged quota result, and support the client to perform quota increase based on the quota requirement in different time periods. Therefore, the device can quickly identify the requirement of the client amount, so that the device can be widely applied to personal loan service, and is favorable for improving the satisfaction degree of the client and promoting the increase of the loan service.
The embodiment of the present application provides an electronic device, which includes a memory and a processor, where the memory is used to store a computer program, and the processor runs the computer program to make the electronic device execute the method for determining a business quota in embodiment 1 or embodiment 2 of the present application.
The embodiment of the present application provides a computer-readable storage medium, which stores computer program instructions, and when the computer program instructions are read and executed by a processor, the method for determining a service quota in embodiment 1 or embodiment 2 of the present application is executed.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method can be implemented in other ways. The apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present application. 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 and/or flowchart illustration, and combinations of blocks in the block diagrams and/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.
In addition, functional modules in the embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer-readable storage medium. Based on such understanding, the technical solution of the present application or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above description is only an example of the present application and is not intended to limit the scope of the present application, and various modifications and changes may be made to the present application by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application. It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present application, and shall be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.
Claims (8)
1. A method for determining a service quota, comprising:
when a target user meets an admission condition, acquiring service data of the target user;
performing first-stage accounting according to the service data to obtain first-stage accounting attributes;
when the first quota stage attribute does not meet a first expected quota threshold value input by the target user, performing second quota stage according to the service data and the first quota stage attribute to obtain a second quota stage attribute and an oasis attribute; the first quota stage attribute is that the first quota stage attribute does not accord with the first expected quota threshold or accords with the first expected quota threshold, and the oasis attribute is that screen capture data uploading by a user is feasible or screen capture data uploading by the user is infeasible;
when the second quota stage attribute does not accord with a second expected quota threshold value input by the target user, performing third quota stage according to the oasis attribute, the first quota stage attribute and the second quota stage attribute to determine the final service quota of the target user; wherein the second credit stage attribute is not in accordance with the second expected credit threshold or is in accordance with the second expected credit threshold;
wherein, the determining the final service amount of the target user by performing the third-stage accounting according to the oasis attribute, the first-accounting-stage attribute and the second-accounting-stage attribute comprises:
judging whether the oasis attribute meets a preset oasis requirement or not; the preset oasis requirement comprises that a user can upload screen capture data;
if yes, acquiring third-stage screen capture data uploaded by the target user; the third-stage screen capture data at least comprises accumulated fund query screen capture data, personal tax query screen capture data and annual fund payment certificate screen capture data which are uploaded by a user;
determining the final service amount of the target user according to the third-stage screen capture data, the first credit stage attribute and the second credit stage attribute;
wherein, the determining the final service amount of the target user according to the third-stage screen capturing data, the first credit stage attribute and the second credit stage attribute comprises:
determining a first core quota according to the first core stage attribute, and determining a second core quota according to the second core stage attribute;
identifying the third-stage screen capture data to obtain third-stage credit data, and analyzing the third-stage credit data to obtain a third credit limit of the target user;
and determining the maximum credit limit from the first credit limit, the second credit limit and the third credit limit according to a preset optimal selection algorithm to be used as a final service limit.
2. The method of determining the amount of service of claim 1, further comprising:
when an authorization instruction of a target user is received, acquiring basic information of the target user;
judging whether the target user meets the admission condition or not according to the basic information;
and if so, executing the acquisition of the service data of the target user.
3. The method of claim 1, wherein the performing a first-stage credit based on the service data to obtain a first-credit-stage attribute comprises:
acquiring first-stage credit data and a first expected credit threshold value input by the target user according to the service data;
and analyzing the first credit stage attribute of the target user according to the first stage credit data and the first expected credit threshold.
4. The method of claim 1, wherein the performing a second-stage credit based on the service data and the first-credit-stage attribute to obtain a second-credit-stage attribute and an oasis attribute comprises:
inquiring second-stage credit data of the target user and a second expected credit threshold value input by the target user according to the first credit stage attribute and the service data;
and analyzing a second credit stage attribute and an oasis attribute of the target user according to the second-stage credit data and the second expected credit threshold.
5. A service amount determining apparatus, characterized in that the service amount determining apparatus comprises:
an obtaining unit, configured to obtain service data of a target user when the target user meets an admission condition;
the first credit unit is used for carrying out first-stage credit according to the service data to obtain first-credit stage attributes;
the second credit unit is used for carrying out second-stage credit according to the service data and the first credit stage attribute when the first credit stage attribute does not accord with a first expected credit threshold value input by the target user, so as to obtain a second credit stage attribute and an oasis attribute; the first quota stage attribute is not in accordance with the first expected quota threshold or is in accordance with the first expected quota threshold, and the oasis attribute is that the screen capturing data uploading of the user is feasible or the screen capturing data uploading of the user is infeasible;
a third credit unit, configured to perform a third credit phase according to the oasis attribute, the first credit phase attribute, and the second credit phase attribute when the second credit phase attribute does not meet a second expected credit threshold input by the target user, and determine a final service credit of the target user; wherein the second credit stage attribute is not in accordance with the second expected credit threshold or is in accordance with the second expected credit threshold;
wherein the third quota unit comprises:
a third determining subunit, configured to determine whether the oasis attribute meets a preset oasis requirement when the second quota stage attribute does not meet a second expected quota threshold input by the target user; the preset oasis requirement comprises that a user can upload screen capture data;
the third acquiring subunit is configured to acquire third-stage screenshot data uploaded by the target user when the oasis attribute meets a preset oasis requirement; the third-stage screen capture data at least comprises public deposit inquiry screen capture data, personal tax inquiry screen capture data and annual deposit payment certificate screen capture data which are uploaded by a user;
a third determining subunit, configured to determine a final service amount of the target user according to the third-stage screen capture data, the first credit stage attribute, and the second credit stage attribute;
wherein the third determining subunit includes:
the determining module is used for determining a first credit limit according to the first credit stage attribute and determining a second credit limit according to the second credit stage attribute;
the identification module is used for identifying the third-stage screen capturing data to obtain third-stage credit data, and analyzing the third-stage credit data to obtain a third credit limit of the target user;
the determining module is further configured to determine a maximum amount of the first amount of the quota, the second amount of the quota, and the third amount of the quota according to a preset optimal selection algorithm, and the maximum amount of the quota is used as a final service quota.
6. The device for determining the service credit line according to claim 5, wherein the obtaining unit is further configured to obtain the basic information of the target subscriber when receiving an authorization instruction of the target subscriber;
the service amount determining device further comprises:
the judging unit is used for judging whether the target user accords with the admission condition or not according to the basic information; if yes, triggering the acquisition unit to acquire the service data of the target user.
7. An electronic device, characterized in that the electronic device comprises a memory for storing a computer program and a processor for operating the computer program to make the electronic device execute the method for determining the amount of service as claimed in any one of claims 1 to 4.
8. A readable storage medium, wherein computer program instructions are stored in the readable storage medium, and when the computer program instructions are read and executed by a processor, the computer program instructions perform the method for determining the traffic limit according to any one of claims 1 to 4.
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| CN110648223A (en) * | 2019-09-27 | 2020-01-03 | 上海淇玥信息技术有限公司 | Method and device for checking and giving large service amount and electronic equipment |
| CN113869996A (en) * | 2021-09-30 | 2021-12-31 | 平安银行股份有限公司 | Stepped credit analysis measuring and calculating method, device, equipment and medium |
| CA3141554A1 (en) * | 2020-12-09 | 2022-06-09 | 10353744 Canada Ltd. | User credit risk assessment method, device, computer equipment and storage medium |
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| KR20090002096A (en) * | 2007-06-05 | 2009-01-09 | 주식회사 신한은행 | System and method for supporting business loan classified by visible trade step and program recording medium |
| CN111798302A (en) * | 2020-06-29 | 2020-10-20 | 平安普惠企业管理有限公司 | Quota updating method and device based on micro service, electronic equipment and storage medium |
| CN114240598A (en) * | 2021-11-19 | 2022-03-25 | 中国建设银行股份有限公司 | Credit line model generation method, credit line determination method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110648223A (en) * | 2019-09-27 | 2020-01-03 | 上海淇玥信息技术有限公司 | Method and device for checking and giving large service amount and electronic equipment |
| CA3141554A1 (en) * | 2020-12-09 | 2022-06-09 | 10353744 Canada Ltd. | User credit risk assessment method, device, computer equipment and storage medium |
| CN113869996A (en) * | 2021-09-30 | 2021-12-31 | 平安银行股份有限公司 | Stepped credit analysis measuring and calculating method, device, equipment and medium |
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