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Credit line sharing method and device based on big data, terminal and storage medium

A credit limit and big data technology, applied in the field of big data analysis, can solve the problems of increasing the risk of bad debts of assets in the credit limit, not being able to guarantee the security, and not being able to guarantee the user's compliance, so as to improve the audit efficiency, reduce the risk of bad debts, The effect of reducing review time

Pending Publication Date: 2021-06-18
深圳季连科技有限公司
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  • Abstract
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Problems solved by technology

However, this invention is limited to the credit card limit, and there are too few aspects to consider, so it cannot guarantee that the user will abide by the contract, resulting in unguaranteed security and increasing the risk of credit card bad debts

Method used

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  • Credit line sharing method and device based on big data, terminal and storage medium
  • Credit line sharing method and device based on big data, terminal and storage medium
  • Credit line sharing method and device based on big data, terminal and storage medium

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Embodiment Construction

[0086] In order to more clearly understand the above objects, features and advantages of the present invention, the present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be noted that, in the case of no conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other.

[0087] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the technical field of the invention. The terms used herein in the description of the present invention are for the purpose of describing specific embodiments only, and are not intended to limit the present invention.

[0088] The big data-based credit sharing method provided by the embodiment of the present invention is executed by the terminal, and correspondingly, the big data-based credit sharing device runs in the terminal. ...

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Abstract

The invention relates to the technical field of big data analysis, and provides a credit line sharing method and device based on big data, a terminal and a storage medium, and the method comprises the steps: obtaining the user data and application line of an applicant in response to a line application instruction of the applicant; calculating a first comprehensive credit score based on the user data; calculating a risk score based on the user data and the first comprehensive credit score by using a long short-term memory network model; when it is determined that the risk score is greater than a preset risk score threshold, constructing a social network graph of the applicant; determining a plurality of target line sharing users based on the social network graph; and sending a line sharing application to the plurality of target line sharing users. According to the invention, the auditing efficiency of the line application can be improved, and the safety of credit is effectively guaranteed.

Description

technical field [0001] The present invention relates to the technical field of big data analysis, in particular to a method, device, terminal and storage medium for sharing credit lines based on big data. Background technique [0002] With the rapid development of China's credit market, the credit service market is also benefiting constantly. The credit service market refers to various economic organizations and intermediaries that specialize in credit products and consumption to ensure the smooth progress of market transactions. The technological innovation of Internet credit service enables the extension of credit service boundaries, assists basic credit services, and jointly improves the social credit system. Provide users with various service quotas based on credit scores, such as deposit mortgage quotas, book rental quotas, credit card quotas, etc., and the applications of quotas are becoming more and more extensive. At present, the user's credit service limit is regu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q50/00
CPCG06Q50/01G06Q40/03
Inventor 熊常春李海良王敬贵李国元刘昂吴江川李苗熊桥峰张富耕
Owner 深圳季连科技有限公司
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