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Retail car second loan method and device based on car finance

A retail vehicle and financial technology, applied in finance, computer parts, instruments, etc., can solve the problem of low loan application efficiency and achieve the effect of simplifying customer operations

Pending Publication Date: 2021-06-01
一汽资本控股有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The purpose of the present invention is to solve the problem of low efficiency of traditional auto finance retail loan application, and propose a method and device based on auto finance retail car instant loan

Method used

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  • Retail car second loan method and device based on car finance
  • Retail car second loan method and device based on car finance
  • Retail car second loan method and device based on car finance

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Experimental program
Comparison scheme
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Embodiment 1

[0039] Such as figure 1 According to the embodiment of this application, it is a method based on auto finance retail car second loan, which is used in the terminal, such as figure 1 shown, including the following steps:

[0040] Step 101, obtain the structured application data and unstructured data of the customer, the structured application data of the customer includes: financing information and customer information, the unstructured data includes: the image data of the customer ID card, other financial institutions require the customer The application materials and authorization information provided;

[0041] Step 102, determining the customer's repayment ability and repayment willingness through the structured application data and unstructured data, and obtaining an approval conclusion through the repayment ability and repayment willingness;

[0042] Step 103, sending the approval conclusion to the client and signing an electronic contract with the client;

[0043] Step...

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PUM

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Abstract

The invention discloses a retail car second loan method and device based on car finance. The method comprises the following steps: acquiring structured application data and unstructured data of a customer; determining the repayment capability and the repayment willingness of the customer through the structured application data and the unstructured data, and obtaining an approval conclusion through the repayment capability and the repayment willingness; sending the approval conclusion to the client and signing an electronic contract with the client; and obtaining loan data provided by a client, performing loan approval through the loan data, and issuing an amount agreed by a contract to a specified account after the approval is passed. According to the invention, mature financial science and technology means are combined, client identity authentication is carried out through technologies such as face recognition, two elements, three elements and the like, and client operation is simplified; and the circulation of paper files is reduced by adopting an electronic authorization mode.

Description

technical field [0001] The invention discloses a method and device based on an auto finance retail car second loan method, belonging to the field of financial risk management and control. Background technique [0002] At present, in the current auto financing business, business personnel need to collect the customer's personal information and property information, and then submit this information to the account manager of a credit institution such as a bank to determine whether a loan can be obtained through a certain auto finance product. Traditional auto finance Retail loan application process: [0003] (1) Application acceptance: the customer signs the paper-based credit authorization letter, and the financial institution obtains the authorization to inquire about the customer's credit; the customer provides an image of the ID card to prove the customer's identity. [0004] (2) Approval: Financial institutions verify the customer's identity through telephone surveys, and...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06K9/34
CPCG06V30/153G06Q40/03
Inventor 梁栋成纪宏曾小辉卢海洋迟艳涛李凯曹晶王艺凝吴沫徐立行王震禹刘涛李双龙
Owner 一汽资本控股有限公司