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Scene-based user credit granting method and device, server and storage medium

A user information and user technology, applied in the Internet field, can solve the problems of high maintenance cost, ignoring the difference information of customer acquisition channels, and low accuracy, so as to achieve the effect of reducing maintenance cost and accurately evaluating user risks

Pending Publication Date: 2019-06-28
SHENZHEN LEXIN SOFTWARE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, Option 1 ignores the difference information of customer acquisition channels, and the risk assessment results for users are rough and the accuracy is not high
Although Option 2 can effectively use the differential information of different customer acquisition channels, due to the need to maintain multiple sets of credit granting structures, the maintenance cost is relatively high

Method used

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  • Scene-based user credit granting method and device, server and storage medium
  • Scene-based user credit granting method and device, server and storage medium
  • Scene-based user credit granting method and device, server and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0051] figure 1 The flow chart of the scenario-based user credit authorization method provided by Embodiment 1 of the present invention is applicable to the situation of evaluating users in Internet financial services. This method can be implemented by a scenario-based user credit authorization device, specifically through It can be implemented by software and / or hardware in an electronic device, wherein the electronic device includes a mobile phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player) and the like.

[0052] Such as figure 1 As shown, the scenario-based user credit authorization method specifically includes:

[0053] S110. When the user enters the credit authorization process, mark the scene where the user is located, and determine the scene identifier.

[0054]Among them, the scene where the user is located is the channel through which the user enters the credit ap...

Embodiment 2

[0065] figure 2 It is a schematic structural diagram of a scenario-based user credit authorization device provided by Embodiment 2 of the invention. This embodiment is applicable to the evaluation of users in Internet financial services.

[0066] Such as figure 2 As shown, the scenario-based user credit authorization device provided in the embodiment of the present invention includes a scenario determination module 210 , an interface display module 220 , an evaluation policy determination module 230 and an evaluation credit authorization module 240 .

[0067] Among them, the scene determination module 210 is used to mark the scene where the user is in when the user enters the credit authorization process, and determine the scene identification; the interface display module 220 is used to determine and display the user information filling interface corresponding to the scene according to the scene identification; The assessment policy determination module 230 is used to obta...

Embodiment 3

[0083] image 3 is a schematic structural diagram of the server in Embodiment 3 of the present invention. image 3 A block diagram of an exemplary server 312 suitable for implementing embodiments of the invention is shown. image 3 The displayed server 312 is only an example, and should not limit the functions and scope of use of this embodiment of the present invention. Such as image 3 As shown, server 312 takes the form of a general purpose computing device. Components of server 312 may include, but are not limited to: one or more processors or processing units 316 , system memory 328 , bus 318 connecting various system components including system memory 328 and processing unit 316 .

[0084] Bus 318 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus structures. These architectures include, by way of example, but ...

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PUM

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Abstract

The embodiment of the invention discloses a scene-based user credit granting method and device, a server and a storage medium. The method comprises the steps of marking a scene where a user is locatedwhen the user enters a credit granting process, and determining a scene identifier; determining and displaying a user information filling interface corresponding to the scene according to the scene identifier; obtaining user information input by a user in the user information filling interface, and determining a risk assessment strategy packet corresponding to the scene identifier; And performingrisk assessment on the user information through the risk assessment strategy packet to complete a credit granting process of the user. According to the embodiment of the invention, the problem that the operation and maintenance cost is high due to the fact that multiple credit granting process architectures are established for clients in different scenes is solved; According to the invention, a personalized credit granting scheme can be provided for clients of different channels under the architecture of one credit granting process, the user risk can be accurately evaluated, and the maintenance cost of the credit granting process can be reduced.

Description

technical field [0001] The embodiments of the present invention relate to Internet technologies, and in particular to a scenario-based user credit authorization method, device, server and storage medium. Background technique [0002] With the development of new media technology, the customer acquisition scenarios of Internet finance are becoming more and more diversified. For example, advertisements can be placed on more application platforms, so that users of each application platform become new customers of Internet finance companies, which in turn facilitates the transaction of loans Or financial services such as wealth management. Before Internet finance companies handle loans and other businesses for users, they need to grant credit to each customer, that is, to evaluate the risk status of users by guiding users to submit personal information, and grant a certain loan amount according to the risk status of users. In different customer acquisition scenarios, based on us...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 陈钰刘福密梁德斌
Owner SHENZHEN LEXIN SOFTWARE TECH CO LTD
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