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Loan request and fund channel matching method, device and equipment

A matching method and channel technology, which is applied in the field of matching loan requests and funding channels, can solve the problems of low matching efficiency and time-consuming, and achieve the effect of avoiding time-consuming and labor-intensive use and improving user experience

Inactive Publication Date: 2019-03-08
杭州创金聚乾网络科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The purpose of the present invention is to provide a matching method, device and equipment for lending requests and funding channels to solve the traditional matching method. It takes a long time to manually review loan applications and match funding channels for them, resulting in very high matching efficiency. low problem

Method used

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  • Loan request and fund channel matching method, device and equipment
  • Loan request and fund channel matching method, device and equipment
  • Loan request and fund channel matching method, device and equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0067] see figure 1 , embodiment one includes:

[0068] Step S101: Get a loan request.

[0069] The loan request in this embodiment is equivalent to the submitted loan application materials, which contain a lot of information related to the loan, such as: loan period, loan time, repayment method, loan amount, and so on.

[0070] Step S102: extract multiple loan conditions from the loan request.

[0071] The multiple lending conditions mentioned above are pre-set and used as criteria in the matching process. As for which lending conditions are specifically involved, it can be determined according to specific scenario requirements, which is not limited in this embodiment.

[0072] Step S103: Screening multiple funding channels that meet the multiple lending conditions from the pre-stored funding channels.

[0073] In this embodiment, multiple funding channels are pre-stored for matching with subsequently received loan requests. The funding channels mentioned here refer to ch...

Embodiment 2

[0079] Based on the above considerations, Embodiment 2 provides a two-way matching implementation, see figure 2 , embodiment two specifically includes:

[0080] Step S201: Get a loan request.

[0081] As a preferred implementation manner, step S201 may be performed in real time, that is to say, the loan request submitted by the user is obtained in real time and subsequently processed.

[0082] Step S202: extract multiple loan conditions from the loan request.

[0083] The loan conditions include any one or more of the following: lending method, repayment method, loan amount, and loan time.

[0084] Step S203: Determine the identification information of the user who initiates the loan request. And according to the identification information, the credit information of the user is obtained.

[0085] The user identification information refers to the information used to uniquely identify the user, which may specifically be an ID card. The above credit information includes inf...

Embodiment 3

[0095] see image 3 , Embodiment three specifically includes:

[0096] Step S301: Get a loan request.

[0097] Step S302: Determine whether a modification instruction of the first screening rule is received, if so, go to step S303, otherwise go to step S304.

[0098] Step S303: Modify the first filtering rule according to the modification instruction.

[0099] Specifically, in the third embodiment, the above filtering rules actually correspond to multiple filtering conditions, and modifying the filtering rules actually includes adding or deleting the filtering conditions, and also includes enabling or disabling the filtering rules themselves. For example, the above-mentioned first screening rule is a rule for screening funding channels based on multiple loan conditions, so after modifying the first screening rule, it actually changes which loans are specifically extracted from the loan request conditions, or in other words, the extraction process is performed according to t...

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PUM

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Abstract

The invention discloses a loan request and fund channel matching method. The method comprises the steps of obtaining a borrowing and lending request, extracting a plurality of borrowing and lending conditions from the borrowing and lending request, then screening a plurality of fund channels meeting the plurality of borrowing and lending conditions from pre-stored fund channels, finally determining an optimal fund channel in the plurality of fund channels according to a preset routing rule, and taking the optimal fund channel as a matching result. Therefore, the method can automatically matcha plurality of fund channels meeting a plurality of borrowing conditions for the borrowing and lending request, avoids the problem that manual matching wastes time and labor, can find an optimal fundchannel from the plurality of fund channels, and greatly improves the use experience of a user. In addition, the invention also provides a loan request and fund channel matching device and equipment,and the function of the loan request and fund channel matching device corresponds to that of the method.

Description

technical field [0001] The invention relates to the financial field, in particular to a method, device and equipment for matching loan requests and fund channels. Background technique [0002] At present, for a platform that accesses multiple funding channels, if a borrower submits a loan request to the platform, it will inevitably face the problem of selecting a funding channel from multiple funding channels, that is, it is necessary to match A suitable funding channel. Under normal circumstances, the matching process mainly refers to the borrowing conditions of both parties, such as the credit investigation requirements of the funding channel for the lender, the loan period requested by the lender, and the method of lending. The traditional matching method is to manually review and match after the lender submits the loan materials, but this method takes a long time, resulting in very low matching efficiency. Contents of the invention [0003] The purpose of the present...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 沈铖
Owner 杭州创金聚乾网络科技有限公司