WO2019019798A1 - Dispositif et procédé d'interrogation de produit de prêt, et support de stockage lisible par ordinateur - Google Patents

Dispositif et procédé d'interrogation de produit de prêt, et support de stockage lisible par ordinateur Download PDF

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Publication number
WO2019019798A1
WO2019019798A1 PCT/CN2018/089189 CN2018089189W WO2019019798A1 WO 2019019798 A1 WO2019019798 A1 WO 2019019798A1 CN 2018089189 W CN2018089189 W CN 2018089189W WO 2019019798 A1 WO2019019798 A1 WO 2019019798A1
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Prior art keywords
loan
user
loan product
product
success rate
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PCT/CN2018/089189
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English (en)
Chinese (zh)
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何兵
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平安科技（深圳）有限公司
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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
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • G06F16/9535—Search customisation based on user profiles and personalisation

Definitions

  • the present application relates to the field of electronic information technology, and in particular, to a device, a method, and a computer readable storage medium for querying a loan product.
  • the present application provides a query device, a method and a computer readable storage medium for a loan product, the main purpose of which is to solve the technical problem of low query efficiency of loan products in the prior art.
  • the present application provides a query device for a loan product, the device comprising: a memory, a processor, and a query program of the loan product stored on the memory and operable on the processor, the loan
  • the product's query program is executed by the processor, the following steps are implemented:
  • the present application further provides a method for querying a loan product, the method comprising:
  • the present application further provides a computer readable storage medium, where the query program of a loan product is stored, and the query program of the loan product is implemented by the processor as described above. The steps of the method of querying the loan product.
  • the query device, the method and the computer readable storage medium of the loan product provided by the application receive the query request of the loan product sent by the user, obtain the loan condition and user information selected by the user from the query request, and find the loan product database.
  • the loan product matching the loan condition, and then searching for the user between the user information and the user information of the user that is larger than a preset threshold from the loan user database, and searching the found user as a similar user, and calculating the loan product found above.
  • the eligible loan product is recommended to the user. In this way, the user only needs to select the loan condition and the user information, and the system can automatically find the matching loan according to the above loan condition.
  • Products, and according to the loan success rate of these products in the user database of the loan user recommend the loan products that meet the conditions for the user, and realize the targeted recommendation of the appropriate loan products for the users according to the actual situation of the users, saving the savings. Users find loan products Time, and in this way targeted recommendation, greatly enhancing the user's success rate loans.
  • FIG. 1 is a schematic diagram of a preferred embodiment of an inquiry device for a loan product of the present application
  • FIG. 2 is a flow chart of a first embodiment of a method for querying a loan product of the present application.
  • the application provides a query device for a loan product.
  • a schematic diagram of a preferred embodiment of a query device for a loan product of the present application is shown.
  • the query device of the loan product may be a PC (Personal Computer), or may be a terminal device such as a smart phone, a tablet computer, or a portable computer.
  • PC Personal Computer
  • terminal device such as a smart phone, a tablet computer, or a portable computer.
  • the inquiry device of the loan product includes a memory 11, a processor 12, a communication bus 13, and a network interface 14.
  • the memory 11 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (for example, SD or DX memory, etc.), a random access memory (RAM), and a static memory.
  • the memory 11 may in some embodiments be an internal storage unit of the inquiry device of the loan product, such as the hard disk or memory of the inquiry device of the loan product.
  • the memory 11 may also be an external storage device of the inquiry device of the loan product in other embodiments, such as a plug-in hard disk equipped with a query device of the loan product, a smart memory card (SMC), and a secure digital (Secure) Digital, SD) cards, flash cards, etc.
  • the memory 11 may also include an internal storage unit of the inquiry device of the loan product and an external storage device.
  • the memory 11 can be used not only for storing application software of a query device installed in a loan product and various types of data, such as codes of a query program of a loan product, but also for temporarily storing data that has been output or is to be output.
  • the processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor or other data processing chip for running program code or processing stored in the memory 11. Data, such as the query procedure for executing loan products.
  • CPU Central Processing Unit
  • controller microcontroller
  • microprocessor or other data processing chip for running program code or processing stored in the memory 11.
  • Data such as the query procedure for executing loan products.
  • Communication bus 13 is used to implement connection communication between these components.
  • the network interface 14 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface), and is typically used to establish a communication connection between the device and other electronic devices.
  • a standard wired interface such as a WI-FI interface
  • Figure 1 shows only the query device for the loan product with components 11-14 and the query program for the loan product, but it should be understood that not all of the illustrated components are required to be implemented, and that more or less may be implemented instead. Component.
  • the device may further include a user interface
  • the user interface may include a display
  • an input unit such as a keyboard
  • the optional user interface may further include a standard wired interface and a wireless interface.
  • the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch sensor, or the like.
  • the display may also be suitably referred to as a display screen or display unit for displaying information processed in the inquiry device of the loan product and a user interface for displaying the visualization.
  • the memory 11 as a computer storage medium may include an operating system and a query program of the loan product;
  • the network interface 14 is mainly used to connect the user terminal and perform data communication with the user terminal;
  • the device proposed in this embodiment may be a server, and the server establishes a communication connection with a client installed on the user terminal, the device is deployed with a loan product database and a loan user database, wherein the loan product database stores the loan provided by the loan institution.
  • Relevant data of products among which lending institutions include third-party lending institutions.
  • the relevant data of loan products include but are not limited to the following contents: loan institution, loan quota interval, loan interest rate interval, loan term interval, application process, application conditions, loan Agreement, etc.
  • the loan user database mainly stores purchases recorded after the loan product is inquired through the device and purchased after the loan is purchased, for example, the purchase is successful or the purchase fails, and the recommended amount of the loan product and the number of users who successfully purchase the loan product are recommended.
  • the data implementation provided by the above lending institution can be provided.
  • a loan information inquiry interface may be set in the client, the interface is provided with a loan condition input box and a user information input box, and the loan condition input box and the user information input box may also be set as a drop-down box, and the user may The information that matches the information of the user is selected, wherein the user information includes but is not limited to the following information items: name, identity information, gender, age, income, education, occupation, and total assets of the individual.
  • the above identity information may be information such as an identity card number that can be used to uniquely identify the user.
  • the loan conditions include the loan amount and the loan term. Generally, the loan amount and loan term entered by the user are specific values.
  • the query request for the loan product is generated and sent to the inquiry device of the loan product.
  • the querying device obtains the loan condition and the user information from the query request.
  • the eligible loan product is searched from the loan product database, wherein the loan amount and the term of the loan product in the database all contain a certain range of interval values, when searching for the loan product,
  • the loan product in the database is traversed, and the loan product range is selected to meet the loan amount selected by the user and the loan term interval meets the loan term selected by the user.
  • the found loan products are cached in the memory 11, for example, an ID for identification is set for each loan product, and the ID of the found loan product is cached in the memory 11.
  • a similar user of the user is looked up from the loan user database maintained in the device.
  • the loan user database maintained in the device.
  • the user in the loan user database is simply referred to as a historical user
  • the user who sends the query request is simply referred to as the requesting user.
  • each information item in the user information of the user is scored according to a preset scoring rule; and the user's score is calculated according to the score of each information item and the preset weight of each information item. Finding a similar user of the user from the loan user database based on the calculated score.
  • the device assigns different weights to each of the above information items in advance, and the weight is determined according to the effect of the information item on the success of the loan. The greater the effect, the greater the weight assigned to the information item, and all the information items. The sum of the weights is 1. For example, the weights for the above six information items, gender, age, education, occupation, income, and total assets are 0.1, 0.1, 0.1, 0.2, 0.2, and 0.3, respectively.
  • the interval is divided according to the possible values of the information item.
  • the gender is divided into ⁇ male, female ⁇
  • the age is divided into ⁇ 18 years old, 18 years old to 25 years old, 25 years old to 35 years old. 35 to 45 years old, 45 to 55 years old, 55 years old or older ⁇
  • education can be divided into ⁇ literate, junior high school and below, high school, university, graduate students and above ⁇ .
  • each information item is divided into a plurality of information item intervals, and each information item interval is scored.
  • the information item interval to which the information item belongs is determined, and the preset score corresponding to the information item interval is used as the user's score on the information item.
  • the following is a percentage system.
  • the education is divided into the above five information items.
  • the scores set for the five information items are: illiterate 30 points, junior high school and below 60 points, high school 70 points, and university 80 points. , graduate students and above 90 points. Assuming that the requested user's academic qualification is a university, the score on the information item of the academic qualification is 80 points.
  • the scores of the respective information items of the user information are respectively obtained in the above manner, and then the score of the user is calculated.
  • the total score S can be calculated according to the formula of the user:
  • the historical user stored in the loan user database also has a score calculated according to the above formula.
  • the historical user who has a difference from the score of the requesting user that is smaller than the preset difference is used as the requesting user. Similar users.
  • the information item section divided for each information item may be scored in advance according to the loan situation of the historical user. Moreover, as the number of historical users stored in the loan user database increases, the score of the information item interval can be dynamically adjusted.
  • the name and identity information (such as the ID number) cannot reflect the degree of similarity between the user information and the success rate of the user's application for the loan, and therefore is not used as a basis for finding similar users.
  • Method 2 determining an information item interval to which each information item of the user belongs
  • the filtered user is taken as a similar user of the user.
  • the information item section to which each information item belongs is determined according to the user information of the requesting user.
  • a historical user whose information item meets the above information item interval is searched from the database as a similar user of the requesting user.
  • the user information of the requesting user is: male is male, age is 32, education is master's degree, occupation is doctor, income is 10,000/year, and personal total assets are 100,000.
  • the information item sections to which the user information belongs are identified: the gender belongs to the interval ⁇ male ⁇ , the age belongs to the interval ⁇ 25 to 35 years old, and the education belongs to the interval ⁇ graduate and above ⁇ .
  • the qualified historical users are selected from the loan user database, and specifically, the information items are screened hierarchically according to each information item. Specifically, all historical users who meet the gender as the male are selected in the database, and then The users who are aged 25 to 35 are selected from the screening results, and so on, until the historical users who match the information items of the requesting user are selected.
  • the manner of obtaining the similar user of the requesting user is only for example. In other embodiments, other algorithms may be used to search for a similar user from the historical user as a similar user.
  • the number of applications of the loan products found in the loan product database and the number of successful purchases are counted; the recommended success rate of the loan products is calculated according to the number of applications and the number of successful purchases, and the success rate of the loan is the highest.
  • the loan product is recommended to the user.
  • the loan product A is recommended for the user and the user applies to the lending institution.
  • the number of users of the loan product A that is, the number of applications for it, and then count the number of users who apply for the loan product A and the final loan is successful, that is, the number of successful purchases, and the number of successful purchases in the number of applications is the loan.
  • the recommended success rate of Product A calculates the loan success rate of the loan product found in the loan product database.
  • recommending the loan product that meets the preset condition to the user may include: recommending the loan product with the highest loan success rate to the user, or selecting a plurality of loan products with a loan success rate greater than a preset threshold. It is recommended to the user, and the user chooses the most suitable one.
  • the lending institution that obtains the plurality of loan products is obtained, and it is determined whether, among the plurality of loan products, the lending institution belongs to the default lending institution.
  • the loan product if any, recommends the loan product belonging to the default lending institution to the user. If not, the plurality of loan products are recommended to the user, and the user selects according to the need.
  • the user may according to the loan success rate and collect related information displayed in the loan product, such as a loan institution, a loan amount interval, a loan interest rate interval, a loan term interval, Appropriate loan products are selected for the application process, application conditions, loan agreement, etc.
  • the user may initiate a loan application to the lending institution based on the platform provided by the third-party platform or the corresponding lending institution, and the lending institution will review the user's data and provide a corresponding loan interest rate. If the user's loan is successful, the result can be fed back to the device through the client, so that the device maintains the loan user database through the received loan result. Or the third party lending institution feeds back the loan result to the device after the user loan is successful, and the device updates the user loan result to the loan user database.
  • the query device for the loan product proposed in this embodiment receives the query request of the loan product sent by the user, obtains the loan condition and user information selected by the user from the query request, and finds the loan product matching the loan condition from the loan product database. And then, from the loan user database, look up the user between the user information and the user information of the user that is larger than a preset threshold, and use the found user as a similar user to calculate the loan of the above-mentioned found loan product among the similar users. Success rate, recommend eligible loan products to users. In this way, the user only needs to select loan conditions and user information, and the system can automatically find matching loan products according to the above loan conditions, and according to the loan user database.
  • the success rate of the loan for these products by the historical user loans for the user to recommend the loan products that meet the conditions for the successful loan, realizes the targeted recommendation of the appropriate loan products for the users according to the actual situation of the users, and saves the time for the users to find the loan products. And through this targeting The recommended way to greatly improve the user's success rate loans.
  • the processor is further configured to execute a query procedure of the loan product, after the step of searching for the loan product that meets the loan condition from the loan product provided by each lending institution of the loan product database, The following steps are also implemented:
  • the credit information is obtained.
  • the data is searched for the credit level of the user, and the loan product whose credit rating is higher than the credit rating of the user is filtered out, and the matched loan product is calculated according to the filtered loan product.
  • the success rate of the loan to a similar user for example, 10 matching loan products found, checked by the credit rating of the user's credit rating and the loan product, and the loan with the credit level mismatch is deleted.
  • the product assuming that there are only 3 remaining after filtering, then in the subsequent calculation of the loan success rate, it is only necessary to calculate the loan success rate of the three loan products among similar users.
  • the identity information of the user is obtained from the user information, and the information is queried from the credit database based on the identity information.
  • the loan amount in the loan condition is greater than a preset amount, and if so, obtaining the identity information of the user from the user information, based on the identity information from the credit information database.
  • the personal credit information of the user may not be checked to improve the user's loan success rate.
  • the query program of the loan product may also be divided into one or more modules, one or more modules are stored in the memory 11 and executed by one or more processors (this implementation) The example is executed by the processor 12) to complete the application.
  • a module referred to in this application refers to a series of computer program instruction segments capable of performing a specific function, and is more suitable than the program for describing the execution process of the message pushing device in the inquiry device of the loan product.
  • the query program of the loan product may be divided into an acquisition module, a first query module, a second query module, a calculation module, and a recommendation module, wherein the acquisition module is configured to receive a loan product sent by the user.
  • the query request, the loan condition and the user information are obtained from the query request;
  • the first query module is configured to search for a loan product that meets the loan condition from the loan product provided by each lending institution of the loan product database
  • the second query module is configured to search for a similar user of the user from the loan user database according to the user information, where the calculating module is configured to calculate a loan success rate of the matched loan product in the similar user that is found,
  • the recommendation module is configured to recommend the loan product whose loan success rate meets the preset condition to the user.
  • the present application also provides a method for querying a loan product.
  • FIG. 2 it is a flowchart of a first embodiment of a method for querying a loan product of the present application.
  • the method for querying the loan product includes:
  • Step S10 Receive a query request of the loan product sent by the user, and obtain loan conditions and user information from the query request.
  • Step S20 Find a loan product that meets the loan condition from the loan products provided by each loan institution of the loan product database;
  • Step S30 searching for a similar user of the user from the loan user database according to the user information
  • Step S40 Calculate the loan success rate of the matched loan product in the similar user that is found, and recommend the loan product whose loan success rate meets the preset condition to the user.
  • the method proposed in this embodiment may be executed by a server, and the server establishes a communication connection with a client installed on the user terminal, where the loan product database and the loan user database are deployed, wherein the loan product database stores the loan.
  • the loan institutions include third-party lending institutions.
  • the relevant data of loan products include but are not limited to the following contents: loan institutions, loan quota intervals, loan interest rate intervals, loan term intervals, application procedures, Application conditions, loan agreement, etc.
  • the loan user database mainly stores purchases recorded after the user queries the loan product through the server and purchases the loan, for example, the purchase success or the purchase failure, and counts the recommended amount of the loan product and the number of users who successfully purchase the loan product among the recommended users.
  • the data implementation provided by the above lending institution can be provided.
  • the user may set a loan information query interface in the client, the interface is provided with a loan condition input box and a user information input box, and the loan condition input box and the user information input box may also be set as a drop-down box, the user Information from which the user's information can be selected can be selected, wherein the user information includes, but is not limited to, the following information items: name, identity information, gender, age, income, education, occupation, and personal total assets.
  • the above identity information may be information such as an identity card number that can be used to uniquely identify the user.
  • the loan conditions include the loan amount and the loan term. Generally, the loan amount and loan term entered by the user are specific values.
  • the query request for the loan product is generated and sent to the inquiry method of the loan product.
  • the query method obtains the loan condition and the user information from the query request.
  • the eligible loan product is searched from the loan product database, wherein the loan amount and the term of the loan product in the database all contain a certain range of interval values, when searching for the loan product,
  • traverse the loan products in the database select the loan product that meets the loan quota selected by the user, the loan term interval meets the loan term selected by the user, and caches the found loan product, for example, for each loan product.
  • a loan product is set to identify the ID and cache the ID of the loan product found.
  • a similar user of the user is looked up from the loan user database maintained in the device.
  • the loan user database maintained in the device.
  • the user in the loan user database is simply referred to as a historical user
  • the user who sends the query request is simply referred to as the requesting user.
  • each information item in the user information of the user is scored according to a preset scoring rule; and the user's score is calculated according to the score of each information item and the preset weight of each information item. Finding a similar user of the user from the loan user database based on the calculated score.
  • the device assigns different weights to each of the above information items in advance, and the weight is determined according to the effect of the information item on the success of the loan. The greater the effect, the greater the weight assigned to the information item, and all the information items. The sum of the weights is 1. For example, the weights for the above six information items, gender, age, education, occupation, income, and total assets are 0.1, 0.1, 0.1, 0.2, 0.2, and 0.3, respectively.
  • the interval is divided according to the possible values of the information item.
  • the gender is divided into ⁇ male, female ⁇
  • the age is divided into ⁇ 18 years old, 18 years old to 25 years old, 25 years old to 35 years old. 35 to 45 years old, 45 to 55 years old, 55 years old or older ⁇
  • education can be divided into ⁇ literacy, junior high school and below, high school, university, graduate students and above ⁇ .
  • each information item is divided into a plurality of information item intervals, and each information item interval is scored.
  • the information item interval to which the information item belongs is determined, and the preset score corresponding to the information item interval is used as the user's score on the information item.
  • the following is a percentage system.
  • the education is divided into the above five information items.
  • the scores set for the five information items are: illiterate 30 points, junior high school and below 60 points, high school 70 points, and university 80 points. , graduate students and above 90 points. Assuming that the requested user's academic qualification is a university, the score on the information item of the academic qualification is 80 points.
  • the scores of the respective information items of the user information are respectively obtained in the above manner, and then the score of the user is calculated.
  • the total score S can be calculated according to the formula of the user:
  • the historical user stored in the loan user database also has a score calculated according to the above formula.
  • the historical user who has a difference from the score of the requesting user that is smaller than the preset difference is used as the requesting user. Similar users.
  • the information item section divided for each information item may be scored in advance according to the loan situation of the historical user. Moreover, as the number of historical users stored in the loan user database increases, the score of the information item interval can be dynamically adjusted.
  • the name and identity information (such as the ID number) cannot reflect the degree of similarity between the user information and the success rate of the user's application for the loan, and therefore is not used as a basis for finding similar users.
  • Method 2 determining an information item interval to which each information item of the user belongs
  • the filtered user is taken as a similar user of the user.
  • the information item section to which each information item belongs is determined according to the user information of the requesting user.
  • a historical user whose information item meets the above information item interval is searched from the database as a similar user of the requesting user.
  • the user information of the requesting user is: male is male, age is 32, education is master's degree, occupation is doctor, income is 10,000/year, and personal total assets are 100,000.
  • each information item section to which the user's information belongs is confirmed: the gender belongs to the interval ⁇ male ⁇ , the age belongs to the interval ⁇ 25 to 35 years old, and the education belongs to the interval ⁇ graduate and above ⁇ .
  • the qualified historical users are selected from the loan user database, and specifically, the information items are screened hierarchically according to each information item. Specifically, all historical users who meet the gender as the male are selected in the database, and then The users who are aged 25 to 35 are selected from the screening results, and so on, until the historical users who match the information items of the requesting user are selected.
  • the manner of obtaining the similar user of the requesting user is only for example. In other embodiments, other algorithms may be used to search for a similar user from the historical user as a similar user.
  • the number of applications of the loan products found in the loan product database and the number of successful purchases are counted; the recommended success rate of the loan products is calculated according to the number of applications and the number of successful purchases, and the success rate of the loan is the highest.
  • the loan product is recommended to the user.
  • the loan product A is recommended for the user and the user applies to the lending institution.
  • the number of users of the loan product A that is, the number of applications for it, and then count the number of users who apply for the loan product A and the final loan is successful, that is, the number of successful purchases, and the number of successful purchases in the number of applications is the loan.
  • the recommended success rate of Product A calculates the loan success rate of the loan product found in the loan product database.
  • recommending the loan product that meets the preset condition to the user may include: recommending the loan product with the highest loan success rate to the user, or selecting a plurality of loan products with a loan success rate greater than a preset threshold. It is recommended to the user, and the user chooses the most suitable one.
  • the lending institution that obtains the plurality of loan products is obtained, and it is determined whether, among the plurality of loan products, the lending institution belongs to the default lending institution.
  • the loan product if any, recommends the loan product belonging to the default lending institution to the user. If not, the plurality of loan products are recommended to the user, and the user selects according to the need.
  • the user may according to the loan success rate and collect related information displayed in the loan product, such as a loan institution, a loan amount interval, a loan interest rate interval, a loan term interval, Appropriate loan products are selected for the application process, application conditions, loan agreement, etc.
  • the user may initiate a loan application to the lending institution based on the platform provided by the third-party platform or the corresponding lending institution, and the lending institution will review the user's data and provide a corresponding loan interest rate. If the user's loan is successful, the result can be fed back to the server through the client, so that the server can maintain the loan user database through the received loan result. Or, after the user loan is successful, the third-party lending institution feeds back the loan result to the server, and the server updates the user loan result to the loan user database.
  • the query method for the loan product proposed in this embodiment receives the query request of the loan product sent by the user, obtains the loan condition and user information selected by the user from the query request, and finds the loan product matching the loan condition from the loan product database. And then, from the loan user database, look up the user between the user information and the user information of the user that is larger than a preset threshold, and use the found user as a similar user to calculate the loan of the above-mentioned found loan product among the similar users. Success rate, recommend eligible loan products to users. In this way, the user only needs to select loan conditions and user information, and the system can automatically find matching loan products according to the above loan conditions, and according to the loan user database.
  • step S20 the method further includes the following steps:
  • the credit information is obtained.
  • the data is searched for the credit level of the user, and the loan product whose credit rating is higher than the credit rating of the user is filtered out, and the matched loan product is calculated according to the filtered loan product.
  • the success rate of the loan among the similar users for example, 10 matching loan products found in step S20, and the credit level of the user's credit rating and the demand for the loan product are checked, and the credit level is deleted. For mismatched loan products, assuming only 3 remaining after filtering, then in the subsequent calculation of the loan success rate, it is only necessary to calculate the loan success rate of the three products among similar users.
  • the identity information of the user is obtained from the user information, and the information is queried from the credit database based on the identity information.
  • the step of querying the personal credit level of the user is performed, otherwise, step S30 is performed.
  • the personal credit information of the user may not be checked to improve the user's loan success rate.
  • the embodiment of the present application further provides a computer readable storage medium, where the query program of the loan product is stored on the computer readable storage medium, and the query program of the loan product is executed by the processor to:
  • a disk including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, or a network device, etc.

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Abstract

L'invention concerne un dispositif d'interrogation de produit de prêt. Le dispositif comprend une mémoire, un processeur et un programme d'interrogation de produit de prêt qui est stocké dans la mémoire et peut fonctionner sur le processeur. Le programme d'interrogation de produit de prêt met en œuvre les étapes suivantes lorsqu'il est exécuté par le processeur : recevoir une demande d'interrogation envoyée par un utilisateur et obtenir une condition de prêt et des informations d'utilisateur à partir de la demande d'interrogation; rechercher des produits de prêt fournis par des mécanismes de prêt de la base de données de produits de prêt pour un produit de prêt qui est conforme à la condition de prêt; rechercher une base de données d'utilisateurs de prêt pour un utilisateur similaire à l'utilisateur en fonction des informations d'utilisateur; et calculer un taux de réussite de prêt du produit de prêt correspondant pour les utilisateurs similaires et recommander le produit de prêt avec le taux de réussite de prêt satisfaisant une condition prédéfinie à l'utilisateur. La présente invention concerne en outre un procédé d'interrogation de produit de prêt et un support de stockage lisible par ordinateur, pour résoudre le problème technique de faible efficacité d'interrogation parmi des produits de prêt de l'état de la technique.
PCT/CN2018/089189 2017-07-25 2018-05-31 Dispositif et procédé d'interrogation de produit de prêt, et support de stockage lisible par ordinateur WO2019019798A1 (fr)

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