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Online loan method, system and apparatus

A loan and user technology, applied in the field of information, can solve the problems of not being able to truly reflect the real credit status of users, increasing the processing burden of servers, and wasting network statistics resources, etc., to achieve the effect of reducing processing burden, safe and reliable loans, and accurate calculation results.

Inactive Publication Date: 2017-06-13
SHENZHEN NIC TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, this loan method only analyzes user credit through the user’s shopping data on the e-commerce platform, which wastes a lot of network statistics resources, and the calculation results are not accurate, which cannot truly reflect the real credit situation of the user. It is necessary to count a large amount of data and calculate the credit limit in real time according to the user type, which occupies a lot of bandwidth and increases the processing burden of the server

Method used

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  • Online loan method, system and apparatus
  • Online loan method, system and apparatus
  • Online loan method, system and apparatus

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0043] see figure 1 , propose the online loan method of the first embodiment of the present invention, described online loan method comprises the following steps:

[0044] S11. The fund management server acquires the user's credit information, and generates the user's loan information according to the credit information, the credit information at least including the user's electronic voucher transaction record information.

[0045] Since buyers and sellers use electronic voucher transactions involving fund management institutions (such as banks), the fund management management server can obtain electronic voucher issuance records and payment records when users are buyers, and electronic voucher receipt records and suspension of settlement records when users are sellers. At least one of the electronic voucher transaction record information such as payment records, and analyze the purchasing power and activity of users based on the issuance records and settlement records (for ex...

Embodiment 2

[0059] see figure 2 , propose the online lending method of the second embodiment of the present invention, described method comprises the following steps:

[0060] S21. The fund management server acquires the user's credit information, generates the user's loan information according to the credit information, and sends it to the online loan platform. The credit information includes at least the user's electronic voucher transaction record information.

[0061] Since buyers and sellers use electronic voucher transactions involving fund management institutions (such as banks), the fund management management server can obtain electronic voucher issuance records and payment records when users are buyers, and electronic voucher receipt records and suspension of settlement records when users are sellers. At least one of the electronic voucher transaction record information such as payment records, and analyze the purchasing power and activity of users based on the issuance records ...

Embodiment 3

[0077] see image 3 , the online loan system of the third embodiment of the present invention is proposed, the system includes a fund management server and a client, and the client can be a mobile terminal such as a mobile phone or a tablet or a terminal device such as a personal computer.

[0078] Fund management server: used to obtain the user's credit information, and generate the user's loan information according to the credit information. The credit information includes at least the user's electronic voucher transaction record information, and the loan information includes the user's loan amount, loan interest rate, and loanable amount. .

[0079] Further, the credit information may also include the user's deposit information (such as savings account information), repayment record information, credit record information, and the like.

[0080] Client: used to log in to the online loan platform through the user's account, and send a loan application to the fund management ...

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Abstract

The invention discloses an online loan method, system and device. The method includes the following steps: the fund management server acquires the user's credit information, and generates the user's loan information according to the credit information, and the credit information includes at least the user's electronic voucher transaction record information ; The client logs into the online loan platform through the user's account, and sends a loan application to the fund management server through the online loan platform; the fund management server reviews the loan application in real time according to the user's loan information, and when the review is passed, the loan is issued to the user, otherwise , refused to grant loans. The fund management server participates in the user interaction process in real time according to the electronic voucher transaction record information, and can fully and fully count the commercial credit information of both sides of the interaction, reducing the waste of network statistics resources, and the calculation results are more accurate, and at the same time expand the online loan method. The scope of application reduces the processing burden on the website.

Description

technical field [0001] The invention relates to the field of information technology, in particular to an online loan method, system and device. Background technique [0002] At present, the e-commerce platform launches online loan business, which counts the user's consumption behavior data through the e-commerce platform server, calculates the user's credit limit in real time, and gives the user the amount of funds for consumption. However, this loan method only analyzes user credit through the user's shopping data on the e-commerce platform, which wastes a lot of network statistical resources, and the calculation results are not accurate, and cannot truly reflect the real credit situation of the user. Real-time statistics of a large amount of data and calculation of credit lines are required according to user types, which takes up a lot of bandwidth and increases the processing burden of the server. Contents of the invention [0003] The main purpose of the present inven...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 张毅
Owner SHENZHEN NIC TECH CO LTD