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Information processing method, server, and computer storage medium

An information processing method and solution technology, applied in the field of data analysis, can solve the problems of bank losses, bad debts in the market, many bad debts, and the failure of resources to be given to users who really need it, and achieve the effect of improving accuracy.

Pending Publication Date: 2019-03-01
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, in the current process of reviewing the user's loan request by the staff of the financial institution, the staff needs to check a large amount of data information of the user to determine the risk of the loan transaction, and then confirm the information with the user, investigate and locate the user It is relatively difficult, and it is impossible to timely and effectively judge the intention behavior of users for loans, which leads to bad debts in the market, and ultimately leads to the failure of useful resources to the hands of users who really need them, which may cause losses to the bank and also to users who borrow loans. loss

Method used

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  • Information processing method, server, and computer storage medium
  • Information processing method, server, and computer storage medium
  • Information processing method, server, and computer storage medium

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Embodiment Construction

[0038] The following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of them. Reference herein to an "embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the present application. The occurrences of this phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is understood explicitly and implicitly by those skilled in the art that the embodiments described herein can be combined with other embodiments.

[0039] Based on the embodiments in this application, all other embodiments obtained by persons of ...

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Abstract

An embodiment of the present application discloses an information processing method, a server and a computer storage medium, which relate to data analysis of user behavior data and intelligent recommendation based on the analysis result. The method comprises the following steps: obtaining user behavior data of a loan user, wherein the user behavior data comprises historical loan data and browse record data; determining a loan recommendation scheme according to the historical loan data and the browsing record data; sending the loan recommendation scheme to the terminal equipment can timely andeffectively judge the intention behavior of the user loan, intelligently recommend the loan scheme, and improve the accuracy of resource allocation.

Description

technical field [0001] The present application relates to the field of data analysis, and in particular to an information processing method, server and computer storage medium. Background technique [0002] With the continuous development of the economy and the change of people's consumption concept, advanced consumption has become a consumption trend or proposition in this society. In the case of insufficient funds to purchase bulk commodities, the demand for loan business is also increasing. In some cases, users can use loans to solve problems caused by insufficient funds. [0003] In the existing loan business, after the user submits a loan request to the loan platform, the loan platform judges whether the loan request is approved based on the information submitted by the user. Loan Rate Calculates the interest on a loan. However, in the current process of reviewing the user's loan request by the staff of the financial institution, the staff needs to check a large amoun...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 肖建文
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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