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Questionnaire system for online instant credit assessment

A questionnaire and credit evaluation technology, applied in data processing applications, instruments, finance, etc., can solve problems such as trouble, lack of customer analysis, and inability to clearly understand the user's loan repayment ability, and achieve the effect of avoiding trouble

Inactive Publication Date: 2016-12-07
微额速达(集团)有限公司
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AI Technical Summary

Problems solved by technology

[0002] With the development of network technology, various network service technologies are competing to develop. Loan software, as one of the services popular among consumers, attracts all kinds of people. However, in many cases, we cannot clearly understand the user's repayment ability. Lack of analysis of customer pre-loan psychological behavior data, it is difficult to make correct decisions about their risks, resulting in a lot of unnecessary trouble

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  • Questionnaire system for online instant credit assessment

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Embodiment Construction

[0013] The present invention will be described in detail below in conjunction with specific embodiments. The following examples will help those skilled in the art to further understand the present invention, but do not limit the present invention in any form. It should be noted that those skilled in the art can make several modifications and improvements without departing from the concept of the present invention. These all belong to the protection scope of the present invention.

[0014] Such as figure 1 As shown, the questionnaire system that can be used for online instant credit assessment in the present invention includes a front-end page interaction module 1, a data collection module 2, a back-end data processing module 3, a risk feature extraction module 4, a scorecard model module 5, and a decision engine module 6 , the front-end page interaction module 1 is connected to the back-end data processing module 3, the back-end data processing module 3 is connected to the s...

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Abstract

The invention discloses a questionnaire system for online instant credit assessment. The questionnaire system includes a front page interaction module, a data collection module, a rear data processing module, a risk feature extraction module, a scoring card model module, and a decision engine module, the front page interaction module is connected with the rear data processing module, the rear data processing module is connected with the scoring card model module, the scoring card model module is connected with the decision engine module, the data collection module is connected with the front page interaction module and the rear data processing module, and the risk feature extraction module is connected with the rear data processing module and the scoring card model module. The questionnaire system can clearly know the repayment ability of the user, collect the data of the psychological behavior of the client before the loaning and make the appropriate analysis, make correct decision for the risk, and avoid many unnecessary troubles.

Description

technical field [0001] The invention relates to a questionnaire system, in particular to a questionnaire system which can be used for online instant credit evaluation. Background technique [0002] With the development of network technology, various network service technologies are competing to develop. Loan software, as one of the services popular among consumers, attracts all kinds of people. However, in many cases, we cannot clearly understand the user's repayment ability. Lack of analysis of customer pre-loan psychological behavior data makes it difficult to make correct decisions about their risks, resulting in many unnecessary troubles. Contents of the invention [0003] The technical problem to be solved by the present invention is to provide a questionnaire system that can be used for online real-time credit evaluation, which can clearly understand the user's repayment ability, collect the psychological behavior data of customers before lending and make appropriate...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李怡洲唐阳
Owner 微额速达(集团)有限公司
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