Multi-cycle installment decision making method and system

Abstract

The invention provides a multi-cycle installment decision making method and a multi-cycle installment decision making system. The multi-cycle installment decision making method comprises the steps of: acquiring user credit investigation information of a target user according to an installment request input by a user end or an external trigger, wherein the user credit investigation information comprises anti-fraud information and credit information of the user; applying for anti-fraud scanning based on the anti-fraud information and a called anti-fraud model, so as to obtain risk rating information; applying for credit scanning based on the credit information and a called credit model, so as to obtain credit rating information; and matching the risk rating information with a risk requirement and matching the credit rating information with a credit requirement in installment decision making, so as to output matched installment decisions. The multi-cycle installment decision making method and the multi-cycle installment decision making system can extract effective user information for data processing through classifying and integrating a large amount of user information, and feed back installment decision making schemes timely and accurately.

Description

technical field [0001] The technical solution of the present invention belongs to the field of computer technology, and in particular relates to a method and system for multi-cycle staging decision-making. Background technique [0002] Installment payment options are usually jointly offered by banks and installment payment providers. Banks provide consumers with personal consumption loans equivalent to the amount of purchased goods, and consumers use the loans to pay suppliers for goods, while suppliers provide guarantees for consumers and assume irrevocable joint and several liability for debts. For some offline consumption, if the installment payment service is applicable, the third service provider, on behalf of both buyers and sellers, needs to sign a service agreement for the purchase of installment products with a third-party financial institution, and the third financial institution will pay the total consumption amount to the seller. And according to the installment...

AI Technical Summary

Problems solved by technology

This will not only increase the financial burden of the buyer, but at the same time, for those sellers who have not signed a service agreement with the third financial institution, it is impossible to increase revenue through installment services

[0003] Achieving staged decision-making risk assessment needs to deal with a large amount of different types of data, but there is no effective technical solution in the existing technology: it can classify and integrate user information on the basis of analyzing a large amount of user information, and then classify the classified data. Data processing of user information, and timely and accurate feedback of staged decision-making plans

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