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A method, device and equipment for electronic lending

An electronic and loan technology, which is applied in the direction of electronic digital data processing, instruments, network data retrieval, etc., can solve the problems of low loan efficiency, achieve the effect of improving efficiency, improving user experience, and improving loan efficiency

Active Publication Date: 2021-05-25
SHENZHEN IBOX INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In view of this, the embodiment of the present invention provides a method, device and equipment for electronic lending to solve the problem of low loan efficiency in the prior art

Method used

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  • A method, device and equipment for electronic lending
  • A method, device and equipment for electronic lending
  • A method, device and equipment for electronic lending

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0022] figure 1 The implementation flow of the electronic lending method provided by Embodiment 1 of the present invention is shown. The electronic loan lending method in this embodiment is executed by a device that implements the electronic loan lending method described in the embodiment of the present invention, and the device includes but is not limited to a server. The execution subject of the user side is a mobile terminal, including but not limited to a tablet computer and a mobile phone, and the execution subject of the user side may also be a computer or a server, including but not limited to a desktop computer, a notebook computer, or a server cluster. The details are as follows:

[0023] In step S11, the basic information of the user and the key information of the user used to reflect the needs of the user are obtained.

[0024] The basic information is used to reflect the user's identity, contact information, loan fund disbursement account number, etc. Among them...

Embodiment 2

[0059] refer to figure 2 , figure 2 It is a schematic diagram of the implementation flow of the electronic lending method provided in Embodiment 2 of the present invention. The difference between this embodiment and Embodiment 1 is that this embodiment may further include S21 before step S11 of the above embodiment acquires the user's basic information and key user information for reflecting the user's needs. S22-S25 in this embodiment are the same as S11-S14 in Embodiment 1. For details, please refer to the relevant description of S11-S14 in Embodiment 1, and details are not repeated here. details as follows:

[0060] S21. Configure the information category of the key product information of each loan product.

[0061] In the embodiment of the present invention, the information categories of the key product information include but not limited to the range of loan amount, loan period, loan interest and favorable rating of loan products, and the first key product informatio...

Embodiment 3

[0084] refer to Figure 4 , Figure 4 It is a schematic diagram of the implementation flow of the electronic lending method provided in Embodiment 3 of the present invention. The difference between this embodiment and the first embodiment lies in: S32-S33, S36. S34 and S35 in this embodiment are the same as S13 and S14 in Embodiment 1. For details, please refer to the relevant description of S13 and S14 in Embodiment 1, and details are not repeated here. details as follows:

[0085] S32. Acquire a verification result of the user's identity.

[0086] The verification result can be obtained after the user enters the payment password, can also be obtained after the user enters the fingerprint, and can also be obtained after the user performs face recognition. Wherein, the payment password may be numbers and / or letters. The terminal first obtains the verification result of the user's identity, and then judges whether the verification can pass according to the verification res...

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Abstract

The present invention is applicable to the technical field of electronic finance, and provides a method, device and equipment for electronic lending, including: obtaining basic user information and user key information for reflecting the user's needs; according to the user key information, Feedback the preferred loan products that meet the needs of the user and the first product key information of each of the preferred loan products, the key information of the first product is different from the key information contained in the key information of the user; receiving A confirmation instruction of the preferred loan product selected by the user based on the first product key information; performing a lending operation based on the preferred loan product selected by the user, the basic information and the user key information. The method can improve loan efficiency.

Description

technical field [0001] The invention belongs to the technical field of electronic finance, and in particular relates to a method, device and equipment for electronic lending. Background technique [0002] With the continuous development of Internet technology, online shopping has attracted more and more users. Not only that, but in recent years, there has also been a loan model for online loans. [0003] The existing online loan method is: after the user has learned about different loan platforms, he determines a loan platform that best meets his needs, and then enters information such as the loan amount on the loan platform, and finally the user submits and confirms that the loan is successful. . [0004] It can be seen that the existing loan model requires users to learn about different loan platforms in various ways, and then determine a loan platform according to their own needs before lending, which greatly reduces the efficiency of user loans. Contents of the invent...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F16/9535G06F16/958G06Q40/02G06Q30/02G06Q30/06
CPCG06Q30/0201G06Q30/0631G06Q40/03
Inventor 赵媛向丹鞠晶超陈绮婷王激光许兵兵
Owner SHENZHEN IBOX INFORMATION TECH CO LTD