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Credit service product delivery method and device and electronic equipment

A credit and product technology, applied in the field of credit service products, can solve problems such as difficult merchants to bring customer traffic, users lack of continuous maintenance of credit service product entrances, and inability to intuitively experience the life cycle of contract performance, etc.

Active Publication Date: 2020-01-10
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the existing credit application scenarios, users lack the entrance to continuously maintain credit service products, and cannot intuitively feel their own performance life cycle, which makes users have little desire to use credit service products, and it is difficult to bring customers to merchants that provide credit service products flow

Method used

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  • Credit service product delivery method and device and electronic equipment
  • Credit service product delivery method and device and electronic equipment
  • Credit service product delivery method and device and electronic equipment

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Embodiment Construction

[0056] In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in conjunction with specific embodiments of the present application and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0057] In order to provide users with an entrance that can continuously maintain credit service products, so that users can intuitively feel their own performance life cycle, the embodiments of this specification provide a new method, device and equipment for launching credit service products. In order to clearly understand the application scenarios o...

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Abstract

The embodiment of the invention discloses a credit service product delivery method and device and electronic equipment, and the method can comprise the steps: obtaining a credit evaluation index valueof a target user, wherein the credit evaluation index value is determined based on the performance data formed by the use of a historical credit service product by the target user; determining a target credit service product pre-released by a target merchant based on the credit evaluation index value; based on a preset electronic contract template, generating an electronic contract for releasingthe target credit service product, the electronic contract including rights and interests provided by the target credit service product and performance behaviors needing to be executed after the target user enjoys the rights and interests; and launching the electronic contract to a client where the target user is located.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a method, device and electronic equipment for delivering credit service products. Background technique [0002] With the maturity of the user credit evaluation system built around user performance data, there are more and more scenarios for providing credit services to users based on the user's credit evaluation index value, for example, the credit evaluation index value (such as credit score) is higher than a certain level Users can enjoy the benefits of first experience and then payment on an e-commerce platform, or they can enjoy the convenience of taking a taxi first and paying later on an online car-hailing platform. Among them, the scenarios in which credit services are provided to users based on the user's credit evaluation index value can be collectively referred to as credit application scenarios. When a user uses credit services in different credit applicat...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06
CPCG06Q30/0609
Inventor 林飞
Owner ADVANCED NEW TECH CO LTD
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