WO2017128392A1 - Procédé de transfert d'informations lors d'une mise en correspondance d'un montant de prêt avec un montant de fonds, et système d'indication de prêt - Google Patents

Procédé de transfert d'informations lors d'une mise en correspondance d'un montant de prêt avec un montant de fonds, et système d'indication de prêt Download PDF

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Publication number
WO2017128392A1
WO2017128392A1 PCT/CN2016/072962 CN2016072962W WO2017128392A1 WO 2017128392 A1 WO2017128392 A1 WO 2017128392A1 CN 2016072962 W CN2016072962 W CN 2016072962W WO 2017128392 A1 WO2017128392 A1 WO 2017128392A1
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WO
WIPO (PCT)
Prior art keywords
user
information
loan
account
quota
Prior art date
Application number
PCT/CN2016/072962
Other languages
English (en)
Chinese (zh)
Inventor
杨钰
Original Assignee
杨钰
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 杨钰 filed Critical 杨钰
Priority to PCT/CN2016/072962 priority Critical patent/WO2017128392A1/fr
Publication of WO2017128392A1 publication Critical patent/WO2017128392A1/fr

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Classifications

    • 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

Definitions

  • the invention belongs to the field of intelligent finance, and provides an information pushing method and a loan prompting system when the fund amount is matched with the loan.
  • the embodiment of the invention provides an information pushing method and a loan prompting system when the fund amount is matched with the loan, and can match the balance of the account of the user account with the account fund balance set by the financial institution, so that the system can timely find out whether the user has sufficient. Funding for daily production and life, and then timely discovering loan business opportunities, improving user loan efficiency, achieving precise marketing, reducing the marketing costs of financial institutions, improving the efficiency of capital use, and pushing patent information after using technology, and highlighting the patent (application) right holder rights and interests.
  • the present invention is implemented as follows: a method for pushing information when a fund amount matches a loan, comprising the following steps:
  • the embodiment of the invention further provides a loan prompting system, comprising:
  • a recording unit configured to record account asset amount information set by a financial institution and current account credit information of the user
  • a reading unit the input end is connected to the output end of the recording unit, and is configured to read account asset quota information set by the financial institution and current account credit information of the user;
  • a judging unit wherein the input end is connected to the output end of the reading unit, and is configured to determine whether the current account quota of the user is lower than a set account asset quota;
  • control unit the input end is connected with the output end of the judging unit, and if the current account quota is lower than the set account asset quota, issuing a message prompting the user to recommend the loan product;
  • the information pushing unit has an input end connected to the output end of the regulating unit for pushing patent information to the user.
  • the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions, improve the efficiency of capital use, and use patents to push patent information to highlight the rights of patent (application) right holders.
  • FIG. 1 is a schematic flow chart of a method for pushing information when a fund amount matching loan is provided in an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a loan prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of a method for pushing information of a fund amount matching loan 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 account asset quota information set by the financial institution and the current account credit amount information of the user are recorded.
  • step S102 the account asset quota information set by the financial institution and the current account credit amount information of the user are read;
  • step S103 it is determined whether the current account quota of the user is lower than the set account asset quota; if not, proceeding to step S104 It is considered that the user funds are sufficient for their own use, and no information is provided for prompting the user to recommend the loan product; through this setting, the user can be effectively screened, and users who do not need funds are excluded from the target of promotion, and the precision of the financial institution is realized. Marketing, in addition, can reduce harassment for users who do not have such demand, reduce marketing expenses, and increase marketing revenue; if so, enter the steps S105: Send a message prompting the user to recommend the loan product, and push the patent information to the user.
  • 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 enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions, improve the efficiency of capital use, and use patents to push patent information to highlight the rights of patent (application) right holders.
  • FIG. 2 is a schematic structural diagram of a loan prompting system according to an embodiment of the present invention, where the loan 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 user;
  • 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 quota information of the user;
  • Judging unit 23 the input terminal and the reading unit 22 The output ends are connected to determine whether the current account quota of the user is lower than the set account asset amount;
  • Control unit 24 the input terminal and the judging unit 23 The output ends are connected, and if the current account quota is lower than the set account asset quota, a message prompting the user to recommend the loan product is issued;
  • the information pushing unit 25 is connected to the output end of the regulating unit 24 for pushing patent information to the user.
  • 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 user; the reading unit 22 Reading the account asset quota information set by the financial institution and the current account credit amount information of the user; the determining unit 23 determines whether the current account quota of the user is lower than the set account asset quota; the control unit 24 When the current account quota is lower than the set account asset amount, the information prompting the user to make a loan product recommendation is issued, and at the same time, the information pushing unit 25 pushes the patent information to the user.
  • the invention enables the system to timely discover whether the user has sufficient funds for daily production and life, thereby discovering the loan business opportunities in time, improving the user loan efficiency, and achieving accurate marketing. Reduce the marketing costs of financial institutions, improve the efficiency of capital use, and use patents to push patent information to highlight the rights of patent (application) right holders.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de transfert d'informations lors d'une mise en correspondance d'un montant de prêt avec un montant de fonds, et un système d'indication de prêt. Le procédé consiste à : enregistrer des informations de montant d'actifs de compte définies par une institution financière et des informations de montant de compte utilisateur courant (S101); déterminer si le montant de compte utilisateur courant est inférieur à un montant d'actifs de compte prédéfini (S103); si ce n'est pas le cas, déterminer que les fonds sont suffisants pour que l'utilisateur les utilise, et ne pas indiquer à l'utilisateur une recommandation d'un produit de prêt (S104); et si tel est le cas, fournir à l'utilisateur des informations de recommandation de produits de prêt, et transférer, à l'utilisateur, des informations de brevet (S105). Le procédé peut augmenter l'efficacité de prêt d'un utilisateur, mettre en œuvre une commercialisation précise, réduire les coûts de commercialisation d'une institution financière, et augmenter l'efficacité de rotation de fonds, assurant le droit d'un cessionnaire (demandeur) de brevet en transférer des informations de brevets lors de l'utilisation de la technologie.
PCT/CN2016/072962 2016-01-30 2016-01-30 Procédé de transfert d'informations lors d'une mise en correspondance d'un montant de prêt avec un montant de fonds, et système d'indication de prêt WO2017128392A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072962 WO2017128392A1 (fr) 2016-01-30 2016-01-30 Procédé de transfert d'informations lors d'une mise en correspondance d'un montant de prêt avec un montant de fonds, et système d'indication de prêt

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072962 WO2017128392A1 (fr) 2016-01-30 2016-01-30 Procédé de transfert d'informations lors d'une mise en correspondance d'un montant de prêt avec un montant de fonds, et système d'indication de prêt

Publications (1)

Publication Number Publication Date
WO2017128392A1 true WO2017128392A1 (fr) 2017-08-03

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PCT/CN2016/072962 WO2017128392A1 (fr) 2016-01-30 2016-01-30 Procédé de transfert d'informations lors d'une mise en correspondance d'un montant de prêt avec un montant de fonds, et système d'indication de prêt

Country Status (1)

Country Link
WO (1) WO2017128392A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109685595A (zh) * 2018-08-21 2019-04-26 平安普惠企业管理有限公司 基于数据分析的推送方法、装置、移动终端及存储介质

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103236022A (zh) * 2013-04-26 2013-08-07 孔庆发 基于网上交易的网上信贷方法及其数据处理系统
CN103295156A (zh) * 2013-01-17 2013-09-11 厦门蓝象网络科技有限公司 一种网络借贷平台
CN104361463A (zh) * 2014-11-21 2015-02-18 上海财安金融服务股份有限公司 一种中小企业网络融资系统和方法
CN104866484A (zh) * 2014-02-21 2015-08-26 阿里巴巴集团控股有限公司 一种数据处理方法和装置

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103295156A (zh) * 2013-01-17 2013-09-11 厦门蓝象网络科技有限公司 一种网络借贷平台
CN103236022A (zh) * 2013-04-26 2013-08-07 孔庆发 基于网上交易的网上信贷方法及其数据处理系统
CN104866484A (zh) * 2014-02-21 2015-08-26 阿里巴巴集团控股有限公司 一种数据处理方法和装置
CN104361463A (zh) * 2014-11-21 2015-02-18 上海财安金融服务股份有限公司 一种中小企业网络融资系统和方法

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109685595A (zh) * 2018-08-21 2019-04-26 平安普惠企业管理有限公司 基于数据分析的推送方法、装置、移动终端及存储介质

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