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Client credit limit measuring and calculating method and system

A technology of credit line and customer, applied in the field of data processing, can solve the problem of inaccurate loan limit of customers

Inactive Publication Date: 2019-10-18
AGRICULTURAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The above two methods, because only part of the customer-related information can be obtained, such as the customer's provident fund, social security, taxation and other information cannot be obtained, which will lead to inaccurate approved customer loan amount

Method used

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  • Client credit limit measuring and calculating method and system
  • Client credit limit measuring and calculating method and system
  • Client credit limit measuring and calculating method and system

Examples

Experimental program
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Embodiment Construction

[0046] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0047] The inventor of the present application discovered in the process of implementing the application scheme that the bank can connect with external systems (that is, systems of third-party institutions such as provident fund center systems, social security center systems, and taxation data systems outside the bank), provided that the client authorizes and agrees Under this system, the bank can obtain the customer's provident fun...

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Abstract

The invention discloses a client credit limit measuring and calculating method and device. A head office server acquires authorization information for inquiring direct connection data sent by a service affiliation bank terminal; the head office server issues a direct connection data query instruction to a first-level branch server corresponding to the service affiliation bank terminal; the first-level branch server executes the direct connection data query instruction to generate a direct connection data query result, wherein the direct connection data query result comprises an accumulation fund query result, a social insurance query result, a tax query result and a branch characteristic query result; the first-level branch server sends the direct connection data query result to the head office server; and the head office server receives the direct connection data query result sent by the first-level branch server, and calculates the credit line of the client according to the direct connection data query result. Based on the method and the device, information such as accumulation fund, social security and taxation of the client can be acquired, and the loan quota of the client canbe calculated more accurately according to the information.

Description

technical field [0001] This application relates to the technical field of data processing, and more specifically, relates to a method and system for measuring and calculating customer credit lines. Background technique [0002] In recent years, the fast-growing Internet finance industry has strongly promoted the pace of banking business model and product innovation. Countries have also introduced policies to encourage banks to increase support for personal consumption financing through the establishment of consumer finance companies, innovative financial products and service methods, and strive to improve the level of inclusive finance. In order to comply with the development trend of Internet finance and national policies, more and more banks have launched Internet consumer credit products (such as online quick loans). [0003] In the process of issuing Internet consumer credit products, it is necessary to measure the customer's credit line. Before calculating the customer...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/953
CPCG06F16/953G06Q40/03
Inventor 王新宝刘煜东左猛周晟焘汪鲁阳翟伟画
Owner AGRICULTURAL BANK OF CHINA
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