CN115907957A - System and method for funds routing, and storage medium - Google Patents
System and method for funds routing, and storage medium Download PDFInfo
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- CN115907957A CN115907957A CN202211322563.3A CN202211322563A CN115907957A CN 115907957 A CN115907957 A CN 115907957A CN 202211322563 A CN202211322563 A CN 202211322563A CN 115907957 A CN115907957 A CN 115907957A
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Abstract
The invention discloses a system and a method for fund routing and a storage medium, relating to the field of information data correlation, wherein the system and the method are used for collecting personal information of a client and collecting data independently input by the loan client as service data; the third-party acquisition is used for acquiring data from a third-party database or a data interface as the service data; the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring data of a financial plan and data of a bank; predicting the amount, collecting the sale price and the staging amount of the store in which the staging is located based on the application scene, and analyzing to obtain the predicted amount of the store; and outputting a fund routing scheme, transmitting the allowed and provided fund, an allowed result, the credit amount granted by the fund, the credit rating and the staging willingness, outputting the fund routing scheme according to the data, grasping the basic information of the user through the real-time collection and the three-party data acquisition of the customer information, analyzing the customer from multiple angles, and accurately marking the customer.
Description
Technical Field
The present invention relates to the field of data correlation, and in particular to systems and methods for funds routing, and storage media.
Background
The existing new energy host factory and the dealer are fuzzy in concept whether a customer prepared for applying for staging can apply for financial loan, the existing new energy vehicles are mostly communicated with the sales vehicles in modes of online ordering and WeChat communication, the actual sales and the customer viscosity are not high, the customer is rarely known, and the actual demands of the customer are judged by the subjective consciousness of the customer. When a client applies for loan, it is a difficult problem to select a financial institution, so that the client can obtain the required amount and successfully complete loan while ensuring the maximum benefit, the client has different qualifications for each client, the user portrait rules may reach hundreds, how to abstract a uniform interface to complete the verification of various rules is a great problem, the client has less data volume, the data information is imperfect, and the bank wind control approval policy is imperfect, so that the model effect cannot reach the expectation.
Disclosure of Invention
It is an object of the present invention to provide a system and method for funds routing, and a storage medium, which address the problems set forth in the background above.
In order to achieve the purpose, the invention provides the following technical scheme: the fund routing system comprises an admission portrait module, a credit portrait module and a fund routing module;
the admission portrait module is used for screening out the admitted cooperative sponsor, the proper financial scheme and the distribution will;
the credit portrait module is used for establishing credit limit and credit score;
and the fund routing module is used for comparing the credit line and the staging amount of a plurality of institutions, giving an optimal distribution scheme and grading the credit line and the fund.
Preferably, the access portrait module is provided with a cooperative sponsor access unit and a screening unit according to financial schemes and distribution intentions, the credit portrait module is provided with a credit line unit and a credit scoring unit, and the fund routing module is provided with a credit line and staging amount comparison unit, an optimal scheme distribution unit, a credit scoring unit and a sponsor scoring unit.
Preferably, the credit granting portrait module is used for transmitting the fund, the admission result, the passing rate score and the installment interest of the credit granting tangential scheme, the fund routing module is used for transmitting the fund, the admission result, the fund grant rating, the fund score and the installment interest of the credit granting tangential scheme, and finally the fund routing module is used for outputting the result.
In addition, the invention also provides a method for fund routing, which is characterized in that: the method comprises the following steps:
the method comprises the following steps: the method comprises the following steps of collecting personal information of a client, wherein the personal information is used for collecting data which is independently input by the loan client and is used as business data;
step two: the third-party acquisition is used for acquiring data from a third-party database or a data interface as the service data;
step three: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring data of a data bank and a financial scheme;
step four: predicting the amount, collecting the sale price and the staging amount of the store in which the staging is based on the application scene, and analyzing to give the predicted amount of the store;
step five: and outputting a fund routing scheme, transmitting the allowed and authorized fund, the allowed result, the credit amount granted by the fund, the grade and the staging willingness of the fund, and outputting the fund routing scheme according to the data.
Preferably, the output result comprises the following steps:
s5.1: and executing optimal allocation to prepare a table according to the financial scheme of the sponsor which is satisfied by the quota.
S5.2: if the credit does not satisfy the credit, the scheme of the credit with the maximum credit is taken, and optimal allocation is executed to make a table.
S5.3: only conditionally passing parties, the party score =0.75 pass rate score +0.25 credit score, were tabulated for the largest scoring party in performing the optimal allocation.
S5.4: and (4) prompting information by the party who does not pass: the non-passing party suggests the whole money.
S5.5: and (3) information prompting is carried out on the financial scheme which passes the qualification but is not matched: without a matching financial scenario, it is recommended to modify the staging willingness.
Preferably, the technical scheme of the fund routing comprises a data source, index extraction and decision engine modeling, wherein the index extraction is to extract key indexes from an original data source, develop and store the indexes by using a python script, divide the indexes into different groups according to the difference of the data source sources, and finally extract an index configuration model on the decision engine by using the established indexes, wherein the index configuration model comprises a rule set, a score card, an AI model and four nodes for calculation.
Preferably, the index extraction index configuration model local model is used for obtaining the credit application types and is divided into several types, wherein the application types are =1, =2 and =9999 (application type =9999 end judgment), the application types =1 and =2 are judged by monthly supply, whether the monthly supply is larger than 0 to continue execution (the monthly supply is smaller than or equal to 0 to end judgment) is judged by a merchant white list, whether the determination of the white list accepts the basic business rule a or not is judged by the white list, whether the determination of the non-merchant white list accepts the data of the three parties B or not is judged by the white list of the merchant, after the determination of the white list of the merchant enters a rule set house property judgment (after the determination is rejected), the credit is granted for 50-200 ten thousand, and finally, the credit is calculated into several groups from 2 to 7: quota 1 is less than or equal to quota 2, quota 1 is greater than quota 2 and less than or equal to quota 3, quota 1 is greater than quota 3 and less than or equal to quota 4, quota 1 is greater than quota 5 and less than or equal to quota 6, and quota 1 is greater than quota 6 and less than or equal to quota 7.
Preferably, the model includes an industry end, an industry middle station and a rule engine, the industry middle station includes service authentication configuration according to a platform number, a configuration platform, a merchant number and a service scene, a sponsor website for configuring merchant number cooperation, a staging willingness field corresponding to a service type and a configuration financial scheme, the rule engine includes an admission rule for configuring a sponsor, a credit granting rule corresponding to a configuration sponsor and a service scene and a configuration fund routing model, and a specific embodiment refers to fig. 4.
In addition, the present invention also provides a storage medium of a fund routing system, comprising the computer readable storage medium storing a computer system, wherein the computer system realizes the steps of the fund routing method as described in the foregoing when being executed by a processor.
The readable storage medium may preferably be a computer storage medium or a communication medium, including any medium that facilitates transfer of a computer system from one place to another, the computer storage medium may be any available medium that can be accessed by a general purpose or special purpose computer, the readable storage medium coupled to the processor such that the processor can read information from, and write information to, the readable storage medium, which may also be part of the processor, and the processor and the readable storage medium may be located in an application specific integrated circuit.
In conclusion, the invention has the beneficial effects that:
1. the invention grasps the basic information of the user by the real-time collection and the three-party data acquisition of the client information, analyzes the client from multiple angles and marks the client accurately.
2. The invention provides a relatively universal method for marking credit agency management models, and has certain universality.
3. The fraud risk/credit risk judgment accuracy is rapidly improved under the drive of abundant data.
4. The invention avoids manual screening errors by automatically screening new energy host factories and dealers according to different customers under certain conditions of cooperative financial institutions.
5. The invention scores financial schemes of different financial institutions, and combines the existing budget portrait model according to the scoring and staging willingness to accurately judge the client.
6. The present invention maximizes the revenue for the dealer and host plant by being within the customer's accepted interest rate range.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a business flow diagram of the system and method for fund routing and the overall full-profile of a storage medium of the present invention;
FIG. 2 is a diagram of the output results of the business process of the present invention;
FIG. 3 is a technical solution diagram of the present invention;
FIG. 4 is a diagram of a technical solution model in FIG. 3;
fig. 5 is a table of the intelligent prediction of fig. 4 according to the present invention.
Detailed Description
All of the features disclosed in this specification, or all of the steps of any method or process so disclosed, may be combined in any combination, except combinations of features and/or steps that are mutually exclusive.
Any feature disclosed in this specification (including any accompanying claims, abstract and drawings), may be replaced by alternative features serving equivalent or similar purposes, unless expressly stated otherwise. That is, unless expressly stated otherwise, each feature is only an example of a generic series of equivalent or similar features.
The invention will now be described in detail with reference to fig. 1-5, wherein for ease of description the orientations described hereinafter are now defined as follows: the up, down, left, right, front, rear direction described below corresponds to the front, back, left, right, top, bottom direction of the view of fig. 1, fig. 1 is a front view of the apparatus of the present invention, and the direction shown in fig. 1 corresponds to the front, back, left, right, top, bottom direction of the apparatus of the present invention.
Referring to fig. 1-5, an embodiment of the present invention is shown: the fund routing system comprises an admission portrait module, a credit portrait module and a fund routing module;
the admission portrait module is used for screening out the admitted cooperative sponsor, the proper financial scheme and the distribution will;
the credit portrait module is used for establishing credit limit and credit score;
the fund routing module is used for comparing credit lines and installments of a plurality of institutions, giving an optimal distribution scheme and grading the credit lines and the installments;
in addition, in one embodiment, the access portrait module is provided with a cooperative sponsor access unit and a screening unit according to a financial scheme and a distribution wish, the credit portrait module is provided with a credit line unit and a credit scoring unit, and the fund routing module is provided with a credit line and staging amount comparison unit, an optimal scheme distribution unit, a credit scoring unit and a sponsor scoring unit.
In addition, in one embodiment, the credit image module is used for transmitting the grant, the admission result, the passing rate score and the installment amount of the credit cut scheme to the credit image module, the grant, the admission result, the grant approval, the grant score and the installment willingness of the credit cut scheme are transmitted to the fund routing module through the credit image module, and finally the result is output by fund routing.
In addition, the invention also provides a method for fund routing, which is characterized in that: the method comprises the following steps:
the method comprises the following steps: the method comprises the following steps of collecting personal information of a client, wherein the personal information is used for collecting data which is independently input by the loan client and is used as business data;
step two: the third-party acquisition is used for acquiring data from a third-party database or a data interface as the service data;
step three: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring data of a data bank and a financial scheme;
step four: predicting the amount, collecting the sale price and the staging amount of the store in which the staging is based on the application scene, and analyzing to give the predicted amount of the store;
step five: and outputting a fund routing scheme, transmitting the allowed and authorized fund, the allowed result, the credit amount granted by the fund, the grade and the staging willingness of the fund, and outputting the fund routing scheme according to the data.
Additionally, in one embodiment, the output results include the following:
s5.1: and executing optimal allocation to prepare a table according to the financial scheme of the sponsor which is satisfied by the quota.
S5.2: if the credit does not satisfy the credit, the scheme of the credit with the maximum credit is taken, and then the optimal allocation is executed to make a table.
S5.3: only conditionally passing parties, the party score =0.75 pass rate score +0.25 credit score, were tabulated for the largest scoring party in performing the optimal allocation.
S5.4: and (4) carrying out information prompt on the party who does not pass: the all-money is suggested by the party who does not pass.
S5.5: and (3) information prompting is carried out on the financial scheme which passes the qualification but is not matched: without a matching financial scenario, it is recommended to modify the staging willingness.
In addition, in one embodiment, the technical scheme of the fund routing comprises a data source, index extraction and decision engine modeling, wherein the index extraction is to extract key indexes from an original data source, develop and store the indexes by using a python script, divide the indexes into different groups according to different data source sources, and finally use a created index extraction index configuration model on the decision engine, wherein the model comprises a rule set, a score card, an AI model and four nodes for calculation.
In addition, in an embodiment, the local model of the index extraction index configuration model is obtained by obtaining credit granting application types and dividing the credit granting application types into several types, where the application type =1, the application type =2, and the application type =9999 (application type =9999 end determination), the application type =1 and the application type =2 are determined by monthly supply, whether continuous execution (end determination that monthly supply is less than or equal to 0) is performed by monthly supply more than 0 is determined by the white list of the merchant, whether the determination belonging to the white list accepts a basic service rule, whether the determination of the white list of the non-merchant accepts B three-party data, after acceptance, the determination of the white list of the non-merchant enters a rule set, after acceptance, a quota is granted for 50-200 ten thousand, and finally, the quota 2-7 calculation is divided into several groups: quota 1 is less than or equal to quota 2, quota 1 is greater than quota 2 and less than or equal to quota 3, quota 1 is greater than quota 3 and less than or equal to quota 4, quota 1 is greater than quota 5 and less than or equal to quota 6, and quota 1 is greater than quota 6 and less than or equal to quota 7.
In addition, in an embodiment, the model includes an industry end, an industry middle station, and a rule engine, the industry middle station includes service authentication configuration according to a platform number, a configuration platform, a merchant number, and a service scenario, a sponsor site configured with the merchant number in cooperation, an installment willingness field corresponding to a service type, and a configuration financial scheme, the rule engine includes an admission rule configured with the sponsor, a credit rule configured with the sponsor and a service scenario, and a configuration fund routing model, and a specific embodiment refers to fig. 4.
In addition, the present invention also provides a storage medium of a fund routing system, comprising the computer readable storage medium storing a computer system, wherein the computer system realizes the steps of the fund routing method as described in the foregoing when being executed by a processor.
In addition, in one embodiment, the readable storage medium may be a computer storage medium or a communication medium including any medium that facilitates transfer of a computer system from one place to another, the computer storage medium may be any available medium that can be accessed by a general purpose or special purpose computer, the readable storage medium coupled to the processor such that the processor can read information from, and write information to, the readable storage medium, which may also be part of the processor, and the processor and the readable storage medium may be located in an application specific integrated circuit.
The above description is only an embodiment of the invention, but the scope of the invention is not limited thereto, and any changes or substitutions that are not thought of through the inventive work should be included in the scope of the invention. Therefore, the protection scope of the invention should be subject to the protection scope defined by the claims.
Claims (10)
1. The fund routing system comprises an admission portrait module, a credit portrait module and a fund routing module, and is characterized in that:
the admission portrait module is used for screening out the admitted cooperative sponsor, the proper financial scheme and the distribution will;
the credit portrait module is used for establishing credit limit and credit score;
and the fund routing module is used for comparing the credit line and the staging amount of a plurality of institutions, giving an optimal distribution scheme and grading the credit line and the fund.
2. The system for funds routing of claim 1, wherein: the credit-giving portrait module is provided with a credit-giving unit and a credit-giving scoring unit, and the fund routing module is provided with a credit-giving amount and staged amount comparison unit, an optimal scheme distribution unit, a credit-giving scoring unit and a fund scoring unit.
3. The system and method of funds routing and storage medium of claim 2, wherein: the credit granting portrait module is used for transmitting the credit granting portrait module with the allowed parties, the allowed results, the passing rate scores and the staging amount, the credit granting portrait module is used for transmitting the credit granting portrait module with the allowed parties, the allowed results, the granted parties, the scores and the staging willingness to the fund routing module, and finally the fund routing module outputs the results.
4. A method of funds routing according to any of claims 1-3, characterized by: the method comprises the following steps:
the method comprises the following steps: the method comprises the following steps of collecting personal information of a client, wherein the personal information is used for collecting data which is independently input by the loan client and is used as business data;
step two: the third-party acquisition is used for acquiring data from a third-party database or a data interface as the service data;
step three: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring data of a data bank and a financial scheme;
step four: predicting the amount, collecting the sale price and the staging amount of the store in which the staging is located based on the application scene, and analyzing to obtain the predicted amount of the store;
step five: and outputting a fund routing scheme, transmitting the allowed and authorized fund, the allowed result, the credit amount granted by the fund, the grade and the staging willingness of the fund, and outputting the fund routing scheme according to the data.
5. The method of funds routing of claim 4, wherein: the output results include the following:
s5.1: and executing optimal allocation to make a tabulation according to the financial scheme of the resource with the quota satisfied.
S5.2: if the credit does not satisfy the credit, the scheme of the credit with the maximum credit is taken, and optimal allocation is executed to make a table.
S5.3: only conditionally passing parties, the party score =0.75 pass rate score +0.25 credit score, were tabulated for the largest scoring party in performing the optimal allocation.
S5.4: and (4) carrying out information prompt on the party who does not pass: the all-money is suggested by the party who does not pass.
S5.5: and (3) information prompting is carried out on the financial scheme which passes the qualification but is not matched: without a matching financial scenario, it is recommended to modify the staging willingness.
6. The method of funds routing of claim 5, wherein: the technical scheme of the fund routing comprises a data source, index extraction and decision engine modeling, wherein the index extraction is to extract key indexes from an original data source, develop and store the indexes by using a python script, divide the indexes into different groups according to different data source sources, and finally extract an index configuration model on the decision engine by using the established indexes, wherein the index configuration model comprises a rule set, a score card, an AI model and four nodes for calculation.
7. The method of funds routing as recited in claim 6, wherein: the index extraction index configuration model local model is characterized in that the credit application types are obtained and divided into several types, the application type =1, the application type =2 and the application type =9999 (application type =9999 end judgment), the application type =1 and the application type =2 are judged through monthly supply, whether monthly supply is larger than 0 to continue execution (monthly supply is smaller than or equal to 0 to end judgment) is judged for a merchant white list, whether the determination belonging to the white list accepts A basic service rules or not, whether the determination of a non-merchant white list accepts B three-party data or not is judged for entering a rule set house property (after the rejection is ended) after the acceptance, the quota is granted for 50-200 ten thousand, and finally, the quota is calculated into several groups from 2 to 7: quota 1 is less than or equal to quota 2, quota 1 is greater than quota 2 and less than or equal to quota 3, quota 1 is greater than quota 3 and less than or equal to quota 4, quota 1 is greater than quota 5 and less than or equal to quota 6, and quota 1 is greater than quota 6 and less than or equal to quota 7.
8. The method of funds routing of claim 7, wherein: the model comprises an industry end, an industry middle station and a rule engine, wherein the industry middle station comprises a platform, a merchant number and a business scene according to platform number business authentication configuration, a platform configuration, a merchant number and a business scene, a sponsor website for merchant number cooperation configuration, a staging willingness field corresponding to a business type and a financial scheme configuration, the rule engine comprises an admission rule for sponsor configuration, a credit granting rule corresponding to the sponsor configuration and the business scene configuration and a fund routing model configuration, and a specific implementation mode refers to fig. 4.
9. The storage medium of a funds routing system according to any one of claims 1-8, wherein: the computer readable storage medium stores a computer system which when executed by a processor implements the steps of the funds routing method as previously described.
10. The storage medium of the funds routing system of claim 9, wherein: readable storage media may be computer storage media or communication media including any medium that facilitates transfer of a computer system from one place to another, and may be any available medium that can be accessed by a general purpose or special purpose computer and that is coupled to a processor such that the processor can read information from, and write information to, the readable storage media, which may also be part of the processor, and the processor and the readable storage media may be located in an application specific integrated circuit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211322563.3A CN115907957A (en) | 2022-10-27 | 2022-10-27 | System and method for funds routing, and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211322563.3A CN115907957A (en) | 2022-10-27 | 2022-10-27 | System and method for funds routing, and storage medium |
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| Publication Number | Publication Date |
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| CN115907957A true CN115907957A (en) | 2023-04-04 |
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| CN202211322563.3A Pending CN115907957A (en) | 2022-10-27 | 2022-10-27 | System and method for funds routing, and storage medium |
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- 2022-10-27 CN CN202211322563.3A patent/CN115907957A/en active Pending
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