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Credit eligibility assessment method and system for obtaining credit data online and storage medium

A data storage module and data technology, applied in data processing applications, instruments, finance, etc., can solve the problems of lenders leaking, personal information cannot be effectively protected, tampered with, forged, etc., to reduce workload and avoid being Effects of tampering and improving security

Inactive Publication Date: 2019-01-08
上海分壳信息技术股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] 2) Credit data submitted offline may be tampered with or forged;
[0006] 3) The information provided by the lender may be leaked to other irrelevant people and institutions, and personal information cannot be effectively protected

Method used

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  • Credit eligibility assessment method and system for obtaining credit data online and storage medium
  • Credit eligibility assessment method and system for obtaining credit data online and storage medium
  • Credit eligibility assessment method and system for obtaining credit data online and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0044] Such as figure 1 As shown, a loan qualification evaluation method for obtaining credit data online includes the following steps:

[0045] S01: In response to the lender's loan application, apply to the lender for access to their personal data; specifically:

[0046] Based on the personal data pre-entered by the lender;

[0047] Store personal data and generate public-private key pairs;

[0048] Distribute the public key to the lender, and store the lender's personal data confidentially through the private key;

[0049] After receiving the loan application from the lender, send a public key acquisition request to the lender.

[0050] In addition, the personal data here includes information such as the lender's mobile phone number, ID card, education level, marital status, monthly income, city of residence, occupation, household registration, type of loan application, amount, period, purpose, etc. Including: shopping website account number, social security account num...

Embodiment 2

[0084] The present embodiment provides a loan management system, the system includes: a loan institution operation module, a lender operation module, a loan management module, a data collection module, a data analysis module, a data storage module, and a secret key generation module; wherein:

[0085] The lending institution operation module, in response to the lender's loan application, applies to the lender for access to their personal data;

[0086] The data acquisition module and the loan institution operation module extract credit data from the lender's personal data after obtaining the access authority of the lender's personal data;

[0087] Data analysis module, based on credit data, formulate credit analysis decision report;

[0088] Loan management module, according to the credit analysis decision report, to determine whether the lender has the loan qualification;

[0089] The lender enters personal data into the data storage module through the lender operation modul...

Embodiment 3

[0091] This embodiment provides a storage medium, and a computer program is stored in the storage medium. When the computer program is executed by a processor, the steps of the loan qualification evaluation method provided in the first embodiment are implemented.

[0092] Those skilled in the art will understand that embodiments of the present invention may be provided as a method, system or computer program commodity. Accordingly, the present invention can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the invention may take the form of a computer program commodity embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

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PUM

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Abstract

The invention discloses a credit eligibility assessment method and system for obtaining credit data online and a storage medium. The method comprises the following steps: in response to a lending application of a lender, applying to a lender for access rights of personal data; after obtaining access to personal data of the lender, extracting credit data from personal data of the lender; making a credit analysis decision report according to the credit data; according to the credit analysis decision report, determining whether the lender is eligible for borrowing or not. In the implementation process, the invention not only can effectively screen out redundant data, reduce workload, but also effectively avoid the problem that credit data is tampered with, at the same time, the information provided by the lender can be effectively protected, and the safety of the lender's personal data is improved.

Description

technical field [0001] The present invention relates to the field of bank loans, in particular to a loan qualification evaluation method, system and storage medium for obtaining credit data online. Background technique [0002] In the unsecured credit lending industry, lending institutions need to conduct accurate credit evaluations on lenders, and only those who have passed the evaluation are eligible for loans. At present, the commonly used method is that the lender collects and sorts out personal credit-related data (mobile phone call list, bank statement, credit card application status, social security and provident fund payment status, e-commerce consumption records, etc.) and submits it to the lending institution for review. circumstances to decide whether to issue a loan. [0003] The main drawbacks of this approach are: [0004] 1) In addition to some necessary information for loan review, the information provided by the lender is often mixed with a lot of informat...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 孙迎晨金豪义蔡依凌
Owner 上海分壳信息技术股份有限公司
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