Data processing method and payment platform

Abstract

The invention discloses a data processing method and a payment platform. The method is applied to the payment platform. The method comprises the steps of receiving a first request of a first user, wherein the first request is generated according to the first payment as the first user requirement; if that the first payment in the first request is unmatched with the second payment in the corresponding account of the first user is detected, generating a loan request of applying to the second user for loan according to the balance between the first payment and the second payment; extracting the first credit line according to the loan request; determining whether the first credit lint meets the first preset condition to obtain a determining result; extracting the first information of the validated user; obtaining the pre-adjusting limit of the first credit line according to the first credit value and / or the first information; verifying whether the loan request is passed according to the pre-adjusting limit; sending the verified load request to the second user.

Description

technical field [0001] The invention relates to communication technology, in particular to a data processing method and a payment platform. Background technique [0002] In the process of implementing the technical solutions of the embodiments of the present application, the inventors of the present application at least found the following technical problems in the related art: [0003] With the advent of 2G / 3G, even the 4G era, and WIFI hotspots everywhere, it marks the advent of the era of big data. In theory, all daily behaviors of users can be built with the help of mobile data networks provided by major operators. And WIFI, a wireless local area network, realizes various data processing through Internet technology. [0004] Taking data processing in a user’s life scene as an example, users can use various payment platforms to conduct various transactions in life services, such as shopping, recharging water and electricity / gas / network / cable TV fees, recharging game coin...

AI Technical Summary

Problems solved by technology

[0005] However, the network environment has advantages over the offline real world in terms of convenience for users' lives, but because the online network environment is a virtual world after all, it is difficult to evaluate users' credit status in a real and accurate manner. The existing technology is to use the user's own assets and behavior data to evaluate the user's credit situation. In order to be closer to reality and accuracy, a large amount of user data is required, and it can only be used when a large amount of user data is mined and analyzed. , the existing evaluation schemes using the user's own assets and behavior data are more restrictive, and it is also easy to forge data in an attempt to defraud credit

[0006] To sum up, the problem existing in the existing technology is: in the process of data mining and analysis processing, it is difficult to evaluate the loan amount due to the difficulty in evaluating the user's credit status in the network environment, so that it is impossible to use various payment platforms to provide life services. Quick payment service, providing users with cash loans with the best loan amount

[0007] In related technologies, there is no effective solution to this problem

Images