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Loan information reviewing method, loan information reviewing device, and equipment

A technology for loaning and expanding information, applied in the field of data processing, which can solve the problems of falsehood, reduce the progress of loan review, and increase labor costs.

Inactive Publication Date: 2017-12-05
SIMPLECREDIT MICRO LENDING CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, there may be false information in the information provided by users, which will cause the problem that the loan information review is not reasonable and accurate.
In addition, with the increase of loan business, this offline review method will not only increase labor costs, but also slow down the progress of loan review

Method used

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  • Loan information reviewing method, loan information reviewing device, and equipment
  • Loan information reviewing method, loan information reviewing device, and equipment
  • Loan information reviewing method, loan information reviewing device, and equipment

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Embodiment Construction

[0041] 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.

[0042] 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.

[0043] Such as figure 1 Shown is an applic...

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PUM

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Abstract

The invention provides a loan information reviewing method, a loan information reviewing device, and equipment. The loan information reviewing method comprises steps that basic information of a user is acquired, and is reviewed according to a first preset rule; when a reviewing result is suspended, expansion information associated with the user is acquired; the basic information and the expansion information are graded according to a second preset rule, and then the information score of the user is acquired, and therefore whether the information score reaches a set value is determined; when the information score reaches the set value, the loan reviewing of the user is passed; and when the information score does not reach the set value, the loan reviewing of the user is denied. The rationality and the accuracy of the loan information reviewing are effectively guaranteed, and labor costs are reduced, and the efficiency of the loan information reviewing is improved.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a loan information review method, device and equipment. Background technique [0002] The current online loan model is generally reviewed based on the basic information provided by the user. The basic information includes name, ID number, work unit, industry, income, home address, housing type, and contact information. The results are generally divided into two situations: "passed" and "pending". Normally, a loan application that enters the "pending" state will go through a manual process, and the user will be informed to provide more information for verification, so as to realize the information verification of the user offline. However, there may be false information in the information provided by the user, which will cause the problem that the loan information review is not reasonable and accurate enough. In addition, with the increase of loan business, this ...

Claims

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Application Information

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