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Financing application admission determination method and device

A technology for determining methods and units, applied in the field of big data, can solve the problems of large impact on financing access results, time-consuming and labor-intensive problems, and achieve the effects of improving the efficiency of access judgment, controlling financing risks, and reducing impact

Pending Publication Date: 2021-11-26
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The entire background investigation process is time-consuming and laborious, and the results of financing access are greatly affected by the subjective factors of the account manager

Method used

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  • Financing application admission determination method and device
  • Financing application admission determination method and device
  • Financing application admission determination method and device

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Embodiment Construction

[0070] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some, not all, embodiments of the application. 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.

[0071] It should be noted that the financing application admission determination method and device provided in this application can be used in the financial field, and can also be used in any field other than the financial field. The application field of the financing application admission determination method and device provided in this application No limit.

[0072] For an example, see figure 1 , in order to be able to judge whether to admit a travel financing request based on the travel finan...

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Abstract

The invention provides a financing application admission determination method and device, relates to the field of big data, and can also be used in the financial field. The method comprises the steps: determining the business travel order information of a business travel financing request according to the business travel financing request; determining historical order information of the travel financing request according to a historical financing request of the travel financing request; determining a financing admission amount of the travel financing request according to the travel order information and the historical order information; and according to the total amount of the travel financing request, the advance payment amount and the financing admission amount, determining whether the travel financing request is admitted. According to the application, whether the travel financing request is admitted or not can be judged according to the travel financing request and the historical financing request.

Description

technical field [0001] This application relates to the field of big data and can be used in the financial field, specifically a method and device for determining access to financing applications. Background technique [0002] With the rapid development of inclusive financing business, more and more small and micro enterprises have financing needs in business travel service scenarios. On the one hand, when small and micro enterprises purchase travel services from travel service providers (such as airlines providing transportation services and hotels providing accommodation services, etc.), they usually pay on credit first, and then pay according to the agreement after the service is completed. Unified payments are made on a daily basis (for example, at the end of a month or quarter, etc.). On the other hand, travel service providers hope to shorten the billing period as much as possible and receive payment for travel services in a timely manner. [0003] In this business sc...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 胡伟江杜卫林邵珏鑫褚德阳金亚东
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA