WO2017128373A1 - Information prompting method during lending resource matching, and recommending and prompting system - Google Patents
Information prompting method during lending resource matching, and recommending and prompting system Download PDFInfo
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- WO2017128373A1 WO2017128373A1 PCT/CN2016/072940 CN2016072940W WO2017128373A1 WO 2017128373 A1 WO2017128373 A1 WO 2017128373A1 CN 2016072940 W CN2016072940 W CN 2016072940W WO 2017128373 A1 WO2017128373 A1 WO 2017128373A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Definitions
- the invention belongs to the field of intelligent finance, and provides an information prompting method and a recommendation prompting system when matching loaning resources.
- the embodiment of the invention provides an information prompting method and a recommendation prompting system when matching the lending resources, and can match the fund balance of the user account with the account fund balance set by the financial institution, so that the system can timely find out whether the customer has sufficient funds. Carry out daily production and life, and then discover loan business opportunities in a timely manner, improve customer loan efficiency, achieve precise marketing, reduce financial institution marketing costs, and improve capital use efficiency. And by using the technology to push the patent information, the patent (application) right holder's rights are highlighted.
- the present invention is implemented as follows: a method for prompting information when matching a lending resource, comprising the following steps:
- the customer is deemed to be in compliance with the bank's lending conditions, and a message is issued to prompt the customer to lend;
- the embodiment of the invention further provides a recommendation prompting system, including:
- a recording unit for recording account asset amount information set by a financial institution and current account credit information of the customer
- a reading unit the input end is connected to the output end of the recording unit, and is configured to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
- the input end is connected to the output end of the reading unit, and is configured to determine whether the current loan demand of the customer exceeds a credit limit set by the organization;
- An information pushing unit the input end is connected to the output end of the determining unit, and is used for pushing patent information to the user;
- the control unit is connected to the output end of the judging unit. If the current loan demand of the customer does not exceed the credit limit set by the organization, the customer is deemed to be in compliance with the lending conditions of the bank, and the information indicating that the customer can lend to the customer is issued. If it is exceeded, it is considered that the customer is not suitable to lend to it, and recommend other high-risk lending resources to the client.
- the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
- FIG. 1 is a schematic flowchart of a method for prompting information when a lending resource is provided according to an embodiment of the present invention
- FIG. 2 is a schematic structural diagram of a recommendation prompting system according to an embodiment of the present invention.
- figure 1 It is a schematic flowchart of an information prompting method for matching a lending resource provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
- step S101 the credit line of the bank to the customer and the current loan demand information of the customer are recorded.
- step S102 the credit line of the bank to the customer and the current loan demand information of the customer are read.
- step S103 In judging whether the customer's current loan demand exceeds the credit limit set by the organization and pushing the patent information to the user; if the customer's current loan demand does not exceed the credit line set by the organization, the customer is deemed to be in compliance with the bank's lending conditions. , enter the steps S104, issuing a message indicating that the customer can be loaned; if it is exceeded, the customer is deemed not to be suitable for lending again, and proceeds to steps S10 and 5, and recommends other high-risk preference lending resources to the customer.
- the patent information includes, but is not limited to, the state of patent application of the technology, the patent application of the technology / Information on the right holder, the patent application number of the technology, the patent application date, and the like.
- the patent information is editable, and can be dynamically pushed to the user according to the authorization of the patent application: the patent is being applied for, the patent authorization has been obtained, and the like.
- the patent information is editable and can be based on patent application rights / The transfer of patent rights, dynamically pushed to the user: the current relevant rights holder of the patent.
- the pushing manner of the patent information may adopt a small frame display, a voice display, and the like, so that the user can perceive the push mode.
- the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
- FIG. 2 is a schematic structural diagram of a recommendation prompting system according to an embodiment of the present invention, where the recommended prompting system includes:
- the recording unit 21 is configured to record account asset quota information set by the financial institution and current account credit information of the customer;
- Reading unit 22 the input terminal and the recording unit 21 The output ends are connected to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
- Judging unit 23 the input terminal and the reading unit 22
- the output terminals are connected to determine whether the customer's current loan demand exceeds the credit limit set by the organization
- the information pushing unit 25 is connected to the output end of the determining unit 23 for pushing the patent information to the user;
- Control unit 24 the input terminal and the judging unit 23
- the output of the customer is connected. If the current loan demand of the customer does not exceed the credit line set by the organization, it is deemed that the customer meets the loan conditions of the bank, and the information indicating that the customer can lend the loan is issued; if it exceeds, the customer is deemed unsuitable. Loan it and recommend other high-risk lending resources to customers;
- the working principle is: the recording unit 21 records the account asset quota information set by the financial institution and the current account quota information of the customer; the reading unit 22 The account asset quota information set by the financial institution and the current account credit amount information of the customer are read; the determining unit 23 determines whether the current loan demand of the client exceeds the credit limit set by the institution, and the information pushing unit 25 Pushing patent information to users; control unit 24 When the customer's current loan demand does not exceed the credit line set by the organization, the company will issue a message indicating that the customer can lend the loan; when it exceeds, and recommend other high-risk preference lending resources to the customer.
- the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
Abstract
An information prompting method during lending resource matching, and a recommending and prompting system, relating to the field of intelligent finance services. The method comprises: recording the credit line of a customer in a bank and the current loan demands information of the customer (S101); reading the credit line of the customer in the bank and the current loan demands information of the customer (S102); determining whether the current loan demands of the customer exceed the credit line of the customer set by the bank, and pushing patent information to the customer (S103); if not, determining that the customer meets the lending conditions of the bank and sending prompt information of allowing to lend to a user (S104); and if yes, determining that the customer does not meet the lending conditions of the bank and recommending other lending resources with higher risk preferences to the customer (S105). The method can achieve diversified operation of a bank, increase revenues of intermediate business, reduce operation risks of the bank, and improve financial service level. Moreover, by pushing patent information after the use of the technology, the rights of the patentee (applicant) can be demonstrated.
Description
本发明属于智能金融 领域 ，提供了一种匹配放贷资源时的信息提示方法及推荐提示系统。 The invention belongs to the field of intelligent finance, and provides an information prompting method and a recommendation prompting system when matching loaning resources.
知识产权在现在的产品和服务中越来越重要，其中主要包括著作权（版权）、商标权和专利权，这三种权利都能为权利人带来巨大的经济价值。
Intellectual property is becoming more and more important in current products and services, including copyright (copyright), trademark and patent rights, all of which can bring enormous economic value to rights holders.
但与著作权、商标权不同的是，专利权的权利归属比较难以为用户所认识和辨别。比如：一个培训教材或者一部电影里面，会明确的将'版权归特定人所有'的字样告知给用户；商标也以其显著的字或图的特征，在与其他标样区别的同时，也代表着商标权人以及商标权人生产的相关产品。但专利则不然，除了如'滑动解锁'等有限几个专利外，用户很难看到某一技术就知道该技术的信息（即技术发明人、专利申请人等专利信息）。
However, unlike copyright and trademark rights, the ownership of patent rights is more difficult to recognize and discern. For example, in a training material or a movie, the words “copyright belongs to a specific person” will be clearly notified to the user; the trademark is also distinguished from other standards by its distinctive words or figures. Represents the related products produced by the trademark owner and the trademark owner. However, patents are not. In addition to a limited number of patents such as 'sliding and unlocking', it is difficult for users to see the information of a certain technology (ie, patent inventors, patent applicants, etc.).
这种情况所带来的严重后果是： The serious consequences of this situation are:
1 、专利权的保护难度大，一项好的技术出来后，马上就被复制； 1. The protection of patent rights is difficult. Once a good technology comes out, it will be copied immediately;
2
、专利权/申请人通过专利彰显自己的产品特色的效果差，因为用户也分不清楚某一技术与专利权/申请人的联系。 2
The patent/applicant's effect of showing its own product features through patents is poor, because the user is also unclear about the connection between a certain technology and the patent/applicant.
综上，为充分保护本人的另外一个专利申请（名为《 根据客户授信额度匹配推荐方法及智能推荐提示系统 》
），让该本人的专利申请价值最大化， 特提出一个解决办法。 In summary, in order to fully protect my other patent application (named "according to the customer credit line matching recommendation method and intelligent recommendation prompt system"
), to maximize the value of the patent application, and propose a solution.
本发明实施例提供了一种匹配放贷资源时的信息提示方法及推荐提示系统，能够通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现客户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升客户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率
， 并通过使用技术后推送专利信息，而彰显了专利（申请）权人的权益 。
The embodiment of the invention provides an information prompting method and a recommendation prompting system when matching the lending resources, and can match the fund balance of the user account with the account fund balance set by the financial institution, so that the system can timely find out whether the customer has sufficient funds. Carry out daily production and life, and then discover loan business opportunities in a timely manner, improve customer loan efficiency, achieve precise marketing, reduce financial institution marketing costs, and improve capital use efficiency.
And by using the technology to push the patent information, the patent (application) right holder's rights are highlighted.
本发明是这样实现的：一种匹配放贷资源时的信息提示方法，包括以下步骤： The present invention is implemented as follows: a method for prompting information when matching a lending resource, comprising the following steps:
记录银行对客户的授信额度和客户当前的贷款需求信息； Record the credit line of the bank to the customer and the current loan demand information of the customer;
读取银行对客户的授信额度和客户当前的贷款需求信息； Read the credit line of the bank to the customer and the current loan demand information of the customer;
判断客户当前贷款需求是否超过机构对其设定的信用额度，并向用户推送专利信息； Determine whether the customer's current loan demand exceeds the credit limit set by the organization and push the patent information to the user;
若否，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息； If not, the customer is deemed to be in compliance with the bank's lending conditions, and a message is issued to prompt the customer to lend;
若是，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。 If so, it is considered that the customer is not suitable to lend to it and recommend other high-risk lending resources to the client.
本发明实施例还提供了一种推荐提示系统，包括： The embodiment of the invention further provides a recommendation prompting system, including:
记录单元，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息； a recording unit for recording account asset amount information set by a financial institution and current account credit information of the customer;
读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息；
a reading unit, the input end is connected to the output end of the recording unit, and is configured to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
判断单元，该输入端与读取单元的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度；
a determining unit, the input end is connected to the output end of the reading unit, and is configured to determine whether the current loan demand of the customer exceeds a credit limit set by the organization;
信息推送单元，该输入端与判断单元的输出端连接，用于向用户推送专利信息； An information pushing unit, the input end is connected to the output end of the determining unit, and is used for pushing patent information to the user;
调控单元，该输入端与判断单元的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。
The control unit is connected to the output end of the judging unit. If the current loan demand of the customer does not exceed the credit limit set by the organization, the customer is deemed to be in compliance with the lending conditions of the bank, and the information indicating that the customer can lend to the customer is issued. If it is exceeded, it is considered that the customer is not suitable to lend to it, and recommend other high-risk lending resources to the client.
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平，并通过使用技术后推送专利信息，而彰显了专利（申请）权人的权益。
The invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
图 1 是本发明实施例提供的一种匹配放贷资源时的信息提示方法 的流程示意图 ； FIG. 1 is a schematic flowchart of a method for prompting information when a lending resource is provided according to an embodiment of the present invention;
图 2 是本发明实施例提供的推荐提示系统的结构示意图。 FIG. 2 is a schematic structural diagram of a recommendation prompting system according to an embodiment of the present invention.
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
图 1
是发明实施例提供的一种匹配放贷资源时的信息提示方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。 figure 1
It is a schematic flowchart of an information prompting method for matching a lending resource provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
在步骤 S101 中，记录银行对客户的授信额度和客户当前的贷款需求信息。 In step S101, the credit line of the bank to the customer and the current loan demand information of the customer are recorded.
在步骤 S102 中，读取银行对客户的授信额度和客户当前的贷款需求信息。 In step S102, the credit line of the bank to the customer and the current loan demand information of the customer are read.
在步骤 S103
中，判断客户当前贷款需求是否超过机构对其设定的信用额度，并向用户推送专利信息；若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，进入步骤
S104 ，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，进入步骤 S10,5 ，并向客户推荐其他高风险偏好的放贷资源。 In step S103
In judging whether the customer's current loan demand exceeds the credit limit set by the organization and pushing the patent information to the user; if the customer's current loan demand does not exceed the credit line set by the organization, the customer is deemed to be in compliance with the bank's lending conditions. , enter the steps
S104, issuing a message indicating that the customer can be loaned; if it is exceeded, the customer is deemed not to be suitable for lending again, and proceeds to steps S10 and 5, and recommends other high-risk preference lending resources to the customer.
所述专利信息包括但不限于：该技术的专利申请状态，该技术的专利申请 /
权利人、该技术的专利申请号、专利申请日等信息。 The patent information includes, but is not limited to, the state of patent application of the technology, the patent application of the technology /
Information on the right holder, the patent application number of the technology, the patent application date, and the like.
所述专利信息是可编辑的，可以根据专利申请的授权与否，向用户动态推送：正在申请专利、已获得专利授权等信息。
The patent information is editable, and can be dynamically pushed to the user according to the authorization of the patent application: the patent is being applied for, the patent authorization has been obtained, and the like.
所述专利信息是可编辑的，可以根据专利申请权 /
专利权的转让情况，向用户动态推送：该专利的当前相关的权利人。 The patent information is editable and can be based on patent application rights /
The transfer of patent rights, dynamically pushed to the user: the current relevant rights holder of the patent.
所述专利信息的推送方式，可以采取小框显示、语音显示等让用户能够感知的推送方式。 The pushing manner of the patent information may adopt a small frame display, a voice display, and the like, so that the user can perceive the push mode.
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平，并通过使用技术后推送专利信息，而彰显了专利（申请）权人的权益。
The invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
图 2 是本发明实施例提供的一种推荐提示系统的结构示意图，该推荐提示系统包括： FIG. 2 is a schematic structural diagram of a recommendation prompting system according to an embodiment of the present invention, where the recommended prompting system includes:
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，信息推送单元 25
，其中 The recording unit 21, the reading unit 22, the judging unit 23, the regulating unit 24, and the information pushing unit 25
,among them
记录单元 21 ，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息； The recording unit 21 is configured to record account asset quota information set by the financial institution and current account credit information of the customer;
读取单元 22 ，该输入端与记录单元 21
的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息； Reading unit 22, the input terminal and the recording unit 21
The output ends are connected to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
判断单元 23 ，该输入端与读取单元 22
的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度； Judging unit 23, the input terminal and the reading unit 22
The output terminals are connected to determine whether the customer's current loan demand exceeds the credit limit set by the organization;
信息推送单元 25 ，该输入端与判断单元 23 的输出端连接，用于向用户推送专利信息； The information pushing unit 25 is connected to the output end of the determining unit 23 for pushing the patent information to the user;
调控单元 24 ，该输入端与判断单元 23
的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源； Control unit 24, the input terminal and the judging unit 23
The output of the customer is connected. If the current loan demand of the customer does not exceed the credit line set by the organization, it is deemed that the customer meets the loan conditions of the bank, and the information indicating that the customer can lend the loan is issued; if it exceeds, the customer is deemed unsuitable. Loan it and recommend other high-risk lending resources to customers;
其工作原理是：记录单元 21 记录金融机构设定的账户资产额度信息和客户当前账户额度信息；读取单元 22
读取金融机构设定的账户资产额度信息和客户当前账户额度信息；判断单元 23 判断客户当前贷款需求是否超过机构对其设定的信用额度，同时，信息推送单元 25
向用户推送专利信息；调控单元 24
在客户当前贷款需求未超过机构对其设定的授信额度时，发出提示可以对客户进行放贷的信息；在超过时，并向客户推荐其他高风险偏好的放贷资源。 The working principle is: the recording unit 21 records the account asset quota information set by the financial institution and the current account quota information of the customer; the reading unit 22
The account asset quota information set by the financial institution and the current account credit amount information of the customer are read; the determining unit 23 determines whether the current loan demand of the client exceeds the credit limit set by the institution, and the information pushing unit 25
Pushing patent information to users; control unit 24
When the customer's current loan demand does not exceed the credit line set by the organization, the company will issue a message indicating that the customer can lend the loan; when it exceeds, and recommend other high-risk preference lending resources to the customer.
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平，并通过使用技术后推送专利信息，而彰显了专利（申请）权人的权益。
The invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve The level of financial services, and through the use of technology to push patent information, highlights the rights of patent (application) right holders.
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。
The above are only the preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the scope of the present invention. Inside.
Claims (2)
- 一种匹配放贷资源时的信息提示方法，其特征在于，所述方法包括如下步骤： An information prompting method for matching a lending resource, characterized in that the method comprises the following steps:记录银行对客户的授信额度和客户当前的贷款需求信息；Record the credit line of the bank to the customer and the current loan demand information of the customer;读取银行对客户的授信额度和客户当前的贷款需求信息；Read the credit line of the bank to the customer and the current loan demand information of the customer;判断客户当前贷款需求是否超过机构对其设定的信用额度，并向用户推送专利信息；Determine whether the customer's current loan demand exceeds the credit limit set by the organization and push the patent information to the user;若否，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；If not, the customer is deemed to be in compliance with the bank's lending conditions, and a message is issued to prompt the customer to lend;若是，视为客户不适合在对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。If so, it is considered that the customer is not suitable to lend to them and recommend other high-risk lending resources to the client.
- 一种推荐提示系统，其特征在于，所述推荐提示系统包括：A recommendation prompting system, characterized in that the recommendation prompting system comprises:记录单元，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息；a recording unit for recording account asset amount information set by a financial institution and current account credit information of the customer;读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息；a reading unit, the input end is connected to the output end of the recording unit, and is configured to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;判断单元，该输入端与读取单元的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度；a determining unit, the input end is connected to the output end of the reading unit, and is configured to determine whether the current loan demand of the customer exceeds a credit limit set by the organization;信息推送单元，该输入端与判断单元的输出端连接，用于向用户推送专利信息；An information pushing unit, the input end is connected to the output end of the determining unit, and is used for pushing patent information to the user;调控单元，该输入端与判断单元的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。The control unit is connected to the output end of the judging unit. If the current loan demand of the customer does not exceed the credit limit set by the organization, the customer is deemed to be in compliance with the lending conditions of the bank, and the information indicating that the customer can lend to the customer is issued. If it is exceeded, it is considered that the customer is not suitable to lend to it, and recommend other high-risk lending resources to the client.
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| Application Number | Priority Date | Filing Date | Title |
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| PCT/CN2016/072940 WO2017128373A1 (en) | 2016-01-30 | 2016-01-30 | Information prompting method during lending resource matching, and recommending and prompting system |
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| PCT/CN2016/072940 WO2017128373A1 (en) | 2016-01-30 | 2016-01-30 | Information prompting method during lending resource matching, and recommending and prompting system |
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