Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Information processing method and device

An information processing method and information judgment technology, applied in the field of computer information, can solve the problems of inflexible determination of loan interest rate and unfavorable attraction of high-quality users, and achieve the effect of reducing bad debt rate and capital risk

Inactive Publication Date: 2017-10-27
SIMPLECREDIT MICRO LENDING CO LTD
View PDF0 Cites 8 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, in the current loan platform, a loan business corresponds to a loan interest rate. Even if the interest rate may be adjusted after a period of time, the loan interest rate for all users is the same. The determination of the loan interest rate is not flexible enough, and it is not conducive to attracting high-quality users.

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Information processing method and device
  • Information processing method and device
  • Information processing method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0064]The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. 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. 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 those skilled in the art without making creative efforts belong to the protection scope of the present invention.

[0065] It should be noted that like numerals and lett...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention provides an information processing method and device. The method includes: receiving a loan request of a user, wherein the loan request includes loan information; judging, on the basis of the loan information, whether the loan request meets set loan standards; and if yes, lending money to the user, and determining a loan interest rate according to a credit score of the user. According to the method, the loan interest rate can be flexibly determined, high-quality users can be attracted, and thus fund risk and a rate of bad accounts can be reduced to a certain extent.

Description

technical field [0001] The present invention relates to the field of computer information technology, in particular to an information processing method and device. Background technique [0002] With the continuous development of the economy, users can use loans to solve the problems caused by insufficient funds when there is insufficient funds. In the existing loan business, after the user submits a loan request to the loan platform, the loan platform judges whether the loan request is approved based on the information submitted by the user. Calculate loan interest. [0003] However, in the current loan platform, a loan business corresponds to a loan interest rate. Even if the interest rate may be adjusted after a period of time, the loan interest rate for all users is the same. The determination of the loan interest rate is not flexible enough, and it is not conducive to attracting high-quality users. . Contents of the invention [0004] In order to overcome the above-...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 熊伟方
Owner SIMPLECREDIT MICRO LENDING CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com