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Method and system for dynamically obtaining user rating grade information and customizing staging service

A user rating and user information technology, applied in the financial field, can solve problems such as loss of user volume, inability to update user rating level information, and low user activity

Inactive Publication Date: 2019-01-25
新疆特易数科信息技术有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] At present, an online loan model of installment payment is proposed in e-commerce, which mainly obtains the corresponding installment amount and interest based on the user's credit score. information to change the user’s user rating level information in a timely manner, and it is impossible to update the user’s rating level information in real time, so that the installment loan service plan formulated by the enterprise for the user cannot satisfy the user, resulting in low user activity and excessive loss potential of users

Method used

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  • Method and system for dynamically obtaining user rating grade information and customizing staging service
  • Method and system for dynamically obtaining user rating grade information and customizing staging service
  • Method and system for dynamically obtaining user rating grade information and customizing staging service

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[0044] In order to explain the present invention more clearly, the present invention will be further described below in conjunction with preferred embodiments and drawings. Similar components in the drawings are denoted by the same reference numerals. Those skilled in the art should understand that the content described below is illustrative rather than restrictive, and should not limit the protection scope of the present invention.

[0045] figure 1 It is a method for dynamically obtaining user rating level information proposed for an embodiment of the present invention, such as figure 1 As shown, the method includes the following steps:

[0046] S101. The first terminal sends installment request information to the server.

[0047] Specifically, the first terminal may be a client. In this embodiment, the client may send installment request information to the server. The installment request information may include the user's basic information, such as: user name, user certificate nu...

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Abstract

The invention discloses a method and system for dynamically acquiring user rating grade information and customizing staging service. The method for dynamically acquiring user rating grade informationcomprises the following steps: a first terminal sends staging request information to a server; a second terminal sends a staging request information to a server; the server calls user information based on the staging request information; and the server sends the user information to the second terminal. The invention can dynamically obtain the user rating grade information of the user in real timeand make a pricing staging service scheme for the user according to the user rating grade information.

Description

Technical field [0001] The invention relates to the field of financial technology, in particular to a method and system for dynamically acquiring user rating information and customizing installment services. Background technique [0002] With the development of the Internet and the maturity of encryption technologies such as digital signatures, e-commerce has flourished worldwide, with a large number of successful examples of mature e-commerce-based operations such as Amazon and Alibaba. [0003] At present, an online lending model with installment payments is proposed in e-commerce, which is mainly based on the user's user credit score to obtain the corresponding installment amount and interest. However, some common online lending models in the market cannot be based on the user's behavior status. Information comes to change the user’s user rating level information in a timely manner, and it is impossible to update the user rating level information in real time. This makes the ins...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/26G06Q20/40
CPCG06Q20/26G06Q20/4037
Inventor 黄波涛卢孟观
Owner 新疆特易数科信息技术有限公司