Unlock instant, AI-driven research and patent intelligence for your innovation.

Big data-based intelligent network loan management system

A management system and big data technology, applied in the Internet field, can solve the problems of cumbersome loan application, long waiting time, and difficulty in loan approval, and achieve the effect of streamlining the loan application process, reducing labor costs, and speeding up the approval efficiency

Pending Publication Date: 2021-04-30
重庆银行股份有限公司
View PDF6 Cites 3 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide a smart online loan management system based on big data, which solves the problems of difficulty in loan approval, long waiting time, and cumbersome loan applications in the process of applying for loans for existing small and medium-sized enterprises

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Big data-based intelligent network loan management system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment

[0042] A smart online loan management system based on big data, basically as figure 1 Shown: including client, client and server, said client includes computer and smart tablet, which is applied to the background staff of the smart online loan management system. The client includes smart phones and smart tablets, which are applied to small and medium-sized enterprises and individual users. Both the client and the client communicate with the server, and the server includes:

[0043] Business acceptance module: used to obtain customer application information from the client. The customer application information includes the applied product information and customer profile information. The customer profile information includes customer identity information and company operating information. Product information is based on the type of collateral Classification, such as credit mortgage, vehicle mortgage, house mortgage, etc. In this embodiment, when the business acceptance module...

Embodiment 2

[0058] The difference between Embodiment 2 and Embodiment 1 is that the smart online loan management system based on big data also includes the following modules:

[0059] Repayment reminder module: used to set the repayment reminder date according to the loan information, compare and judge whether the current time meets the repayment reminder date, if so, generate repayment reminder information, and send the repayment reminder information to the client.

[0060] Overdue reminder module: used to set the overdue warning date according to the loan information, compare and judge whether the current time meets the overdue warning date, if so, generate overdue warning information, and send the overdue warning information to the client; the overdue warning date is later than Repayment reminder date.

[0061] Repayment information acquisition module: used to obtain the repayment information of the client;

[0062] Repayment analysis module: used to detect and analyze whether the rep...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention relates to the technical field of the Internet, in particular to a big data-based intelligent network loan management system, which comprises a user side, a client side and a server, and is characterized in that the server comprises: a service acceptance module used for obtaining client application information from the client side; the data arrangement module that is used for storing the client application information, performing classified arrangement and storage according to the type of the client data information, and storing an electronic contract template corresponding to the product information; the approval module that is used for selecting an approval execution module to approve the client application information according to a preset strategy; the contract signing module that is used for obtaining an electronic signed contract subjected to signature authentication from the client after the approval of the approval module is passed; and the lending auditing module that is used for auditing the electronic contract according to the client application information, and generating loan information if the auditing is passed. According to the invention, the problems of difficult passing of loan approval, long waiting time and tedious loan application in the existing loan application process of small and medium-sized enterprises are solved.

Description

technical field [0001] The invention relates to the technical field of the Internet, in particular to a big data-based smart online loan management system. Background technique [0002] With the continuous development of my country's overall economic level and the introduction of relevant policies to support the real economy, small and medium-sized enterprises have become an indispensable force for social and economic development. Small and medium-sized enterprises occupy a large market share, have innovative spirit but are weak in their own strength, but most of them are in the stage of entrepreneurship or development, and the problems of expensive and difficult financing widely exist. [0003] Among them, the biggest factor leading to the suspension of work, business, and production is undoubtedly the financial problem. If the financial problem cannot be solved, it is impossible for the enterprise to return to normal production and sales. Therefore, how to deal with the p...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/10G06Q40/04G06F16/28G06F16/2458
CPCG06Q10/103G06Q40/04G06F16/285G06F16/2462G06Q40/03
Inventor 宋浩宋洋喻晓畅佘科
Owner 重庆银行股份有限公司