A method and apparatus for intelligently extend credit

Abstract

The invention discloses an intelligent credit granting method and device. Establishing a credit granting model according to the data category; Providing different credit granting processes according to different data of each user obtained; Based on the credit granting model, the credit granting operation is performed according to the credit granting request submitted by the user. The invention canmaximize the reduction of the operation and the complicated links needed by the user in the traditional credit granting process by customizing the credit granting process by the scenario and the personalized user. At that same time, the proces is simple enough and the scenario is clear enough so that the us can complete the credit granting proces sand the card opening activation almost without entering any unusual content and understand any financial knowledge. In addition, because of the scene and personalized credit granting, the wind control model has obtained a wider range of data sources, and it is easier for the wind control model itself and its intelligent identification module to be tempered and upgraded. Enable the platform to improve the overall level of wind control, reduce risk.

Description

technical field [0001] The invention relates to the field of Internet finance. More specifically, it relates to an intelligent credit granting method and device. Background technique [0002] In existing lending business scenarios, the ubiquitous credit granting process is usually a single fixed credit granting process or a credit granting process that requires users to identify and choose by themselves. For example, after passing simple personal information authentication, users need to enter a fixed process, such as authenticating bank card information, crawling credit reports, crawling bank or address book bills and other necessary steps (each platform is different) . After the user completes the information filling layer by layer, the platform can evaluate the information submitted by the user and issue a credit line for the user to use. Or further, the user is required to fill in and supplement the optional items according to the information he actually owns. Or jud...

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide an intelligent credit granting method and device. Through scene-based joint modeling, intelligent identification and distribution system of risk control system, and insensitive front-end interactive design, users can simply and smoothly complete the entire credit granting process without excessive In order to solve the problems of cumbersome user operations and high learning costs caused by a single and fixed credit granting process in the existing technology

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