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Credit installment method and system based on big data

A big data and credit technology, applied in the field of credit staging methods and systems based on big data, can solve the problems that affect the economic benefits of operators, the inability to assess the risk of users' big data, and the influence of users, and achieve the effect of good market prospects.

Pending Publication Date: 2022-01-18
广东贤能数字科技有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

But for now, due to the inability of operators to carry out big data risk assessment on users, financial installment services are only provided to individual users who have never defaulted. On the one hand, it will affect the economic benefits of operators, and on the other hand, it will also cause Users in desperate need of funds are affected

Method used

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  • Credit installment method and system based on big data
  • Credit installment method and system based on big data
  • Credit installment method and system based on big data

Examples

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Embodiment Construction

[0026] Embodiments of the technical solutions of the present invention will be described in detail below in conjunction with the accompanying drawings. The following examples are only used to illustrate the technical solutions of the present invention more clearly, and therefore are only examples, rather than limiting the protection scope of the present invention.

[0027] It should be noted that, unless otherwise specified, the technical terms or scientific terms used in this application shall have the usual meanings understood by those skilled in the art to which the present invention belongs.

[0028] Such as figure 1 as shown in figure 1 As shown, a financial staging method based on big data includes the following steps:

[0029] S1: The operator obtains the customer's identity information according to the customer's financial installment business handling needs, conducts credit inquiry according to the customer's identity information, and judges whether the customer's c...

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Abstract

The invention discloses a credit installment method and system based on big data, and relates to the technical field of operator financial installment services. The method comprises the steps: obtaining the identity information of a customer, carrying out the credit query according to the identity information of the customer, judging whether the credit of the customer reaches a first set value, and if yes, generating a customer credit safety index; if not, screening the credit query information of the customer, performing big data analysis on the screened customer financial data, and summarizing to generate a visual customer financial record table; performing risk evaluation on the customer according to the visual customer financial record sheet to obtain a customer financial risk evaluation index, and judging whether the customer financial risk evaluation index is lower than a second set value; if not, refusing the transaction of the financial installment service of the customer; and if yes, generating a corresponding customer credit line according to the customer credit safety index and the customer financial risk evaluation index, and completing transaction of the customer financial installment service by an operator according to the customer credit line.

Description

technical field [0001] The invention relates to the technical field of carrier financial installment business, in particular to a credit installment method and system based on big data. Background technique [0002] Financial installment means that the user handles the financial business provided by the operator with personal credit, repays the loan or purchases the specified product in installments. In real life, with the continuous improvement of people's living standards, financial installment business has become a trend for more and more users. But for now, due to the inability of operators to carry out big data risk assessment on users, financial installment services are only provided to individual users who have never defaulted. On the one hand, it will affect the economic benefits of operators, and on the other hand, it will also cause Users in desperate need of funds were affected. Therefore, the present invention provides a credit staging method and system based o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06G06Q30/02G06N3/04G06N3/08
CPCG06Q10/0635G06Q30/0201G06N3/08G06N3/047G06Q40/03
Inventor 宋保军
Owner 广东贤能数字科技有限公司
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