Credit line determination method and device

A determination method and credit technology, applied in the field of credit limit determination method and device, can solve the problems of high loan risk and low reliability, and achieve the effect of increasing credit limit, reducing credit risk and improving user experience

Inactive Publication Date: 2017-09-29
SIMPLECREDIT MICRO LENDING CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For the credit platform, only based on personal information to determine whether to lend, the reliability is low, and the loan risk is high

Method used

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  • Credit line determination method and device
  • Credit line determination method and device
  • Credit line determination method and device

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Embodiment Construction

[0021] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. The components of the embodiments of the invention generally described and illustrated in the figures herein may be arranged and designed in a variety of different configurations.

[0022] Accordingly, the following detailed description of the embodiments of the invention provided in the accompanying drawings is not intended to limit the scope of the claimed invention, but merely represents selected embodiments of the invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art wi...

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Abstract

The invention provides a credit line determination method and device applied to a server. The method comprises the steps of: receiving a loan request of a user terminal; in response to the loan request, examining identity information, credit information and relation information respectively; and if the identity information, credit information and relation information pass the examination, determining the credit line of the loan request based on the credit information and the relation information. By adopting the method and the device, the credit line of a borrower can be improved, and the risk of a credit platform can be reduced.

Description

technical field [0001] The present invention relates to the technical field of e-commerce, in particular to a method and device for determining a credit line. Background technique [0002] With the rapid development of the economy, when people have insufficient funds, they can use loans to solve the problems caused by insufficient funds. In the existing loan business, users generally need to fill in personal information when submitting a loan application. After receiving the loan request, the loan platform generally verifies it based on the user's personal information, and finally grants the corresponding loan based on the personal information. However, for users of this loan method, if the required loan amount is higher than the loan amount given by the credit platform, the user experience will be reduced. For credit platforms, judging whether to lend based only on personal information has low reliability and high loan risk. Contents of the invention [0003] In view of...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 林坚诺
Owner SIMPLECREDIT MICRO LENDING CO LTD
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