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Loan service processing method and device based on machine learning and computer equipment

A business processing and machine learning technology, applied in the computer field, can solve problems such as failure to pass, user loss, and complex evaluation mechanism of lending institutions, and achieve the effect of improving loss and conversion rate

Active Publication Date: 2019-05-24
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Under normal circumstances, users can submit loan requests through loan-related applications (APPs). Since the credit status of each user is different and the evaluation mechanism of lending institutions is relatively complicated, it is likely that a user may apply for multiple times. The same loan product is repeatedly rejected, or although the loan application is approved, the user is not satisfied with the loan amount, loan time, interest rate, etc.
[0003] In the above situation, according to relevant regulations, users are not allowed to submit the same loan request repeatedly in a short period of time. Therefore, users can easily lose patience and give up submitting loan requests again or go to other loan platforms to submit loan requests, resulting in the loss of users, thus Problems that lead to unsatisfactory user conversion rates
[0004] In related technologies, there is no effective solution to the problem of unsatisfactory user conversion rate in the loan business.

Method used

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  • Loan service processing method and device based on machine learning and computer equipment
  • Loan service processing method and device based on machine learning and computer equipment
  • Loan service processing method and device based on machine learning and computer equipment

Examples

Experimental program
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Effect test

Embodiment 1

[0068] The machine learning-based loan business processing method provided by the present invention will be described below in conjunction with the accompanying drawings.

[0069] figure 1 It is an optional schematic flow chart of the machine learning-based loan business processing method of the present invention, such as figure 1 As shown, the method may include the following steps:

[0070] S01. Obtain any loan request of a user whose loan application fails.

[0071] Wherein, the loan request may include information such as the qualification information of the user who failed the loan application, the loan product information whose application failed, and the like.

[0072] In this embodiment, this solution can be applied to the application program (APP) related to the loan business, specifically, it can be applied to the conventional loan application process, and can also be applied to the promotion process of certain loan marketing activities, etc. . According to actua...

Embodiment 2

[0135] Based on the machine learning-based loan business processing method provided in the first embodiment above, this embodiment provides a machine learning-based loan business processing device, specifically, Figures 2 to 3 Shows an optional structural block diagram of the machine learning-based loan business processing device, the machine learning-based loan business processing device is divided into one or more program modules, and one or more program modules are stored in a storage medium , and executed by one or more processors to complete the present invention. The program module referred to in the present invention refers to a series of computer program instruction segments capable of completing specific functions, which is more suitable than the program itself to describe the execution process of the loan business processing device based on machine learning in the storage medium. The following description will specifically introduce this implementation Examples of t...

Embodiment 3

[0165] This embodiment also provides a computer device, such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a rack server, a blade server, a tower server, or a cabinet server (including an independent server, or A server cluster composed of multiple servers), etc. Such as Figure 4 As shown, the computer device 40 of this embodiment at least includes but is not limited to: a memory 41 and a processor 42 that can communicate with each other through a system bus, such as Figure 4 shown. It should be pointed out that, Figure 4 Only computer device 40 is shown having components 41-42, but it should be understood that implementing all of the illustrated components is not a requirement and that more or fewer components may instead be implemented.

[0166]In this embodiment, the memory 41 (that is, a readable storage medium) includes a flash memory, a hard disk, a multimedia card, a card-type memory (for example, SD or DX memory, etc.), random acce...

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PUM

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Abstract

The invention discloses a loan business processing method based on machine learning. The loan business processing method comprises the following steps: obtaining a loan request which comprises qualification information and loan product information which does not pass an application of any loan application; analyzing the qualification information of the user who does not pass the loan application based on a pre-trained credit investigation classification model at intervals of a preset time period to obtain a credit investigation score of the user who does not pass the loan application, and updating the preset evolution parameter information in the credit investigation classification model once at intervals of the preset time period; judging whether the credit investigation score of the userwho does not pass the loan application reaches a preset passing score threshold value of a loan product which does not pass the application or not; and if yes, sending a notification message relatedto the loan product which does not pass the application to the user who does not pass the loan application. The credit investigation degree classification model formed based on machine learning training is used for achieving intelligent analysis of the user credit investigation degree, the problem that the user conversion rate is not ideal in the loan service is solved, and the user conversion rate can be increased.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a machine learning-based loan business processing method, device, and computer equipment. Background technique [0002] With the rapid development of the economy, the loan business is becoming more and more popular. At present, the application mode of loan products is usually that users choose existing loan products according to their own needs, such as mortgage loans based on real estate, securities and other pledges, and credit loans based on income qualifications. Under normal circumstances, users can submit loan requests through loan-related applications (APPs). Since the credit status of each user is different and the evaluation mechanism of lending institutions is relatively complicated, it is likely that a user may apply for multiple times. The same loan product fails repeatedly, or, although the loan application is approved, the user is not satisfied with the l...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02G06K9/62
Inventor 郑如刚
Owner PING AN TECH (SHENZHEN) CO LTD