Intelligent credit system and method based on invoice data
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A technology of invoices and data, applied in the credit field, can solve the problems of providing loans to customers who cannot demand, long-term and other problems, and achieve the effect of improving efficiency and improving security.
Pending Publication Date: 2022-04-29
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It can be seen from the above that in the acceptance stage and investigation stage of the traditional credit business processing method, users need to submit relevant materials and investigate the user's qualifications, which will take a long time and cannot provide loans to customers in need in a short period of time. Therefore, it cannot meet people's demand for loan business in the digital age
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Embodiment 1
[0110] Such as figure 1 As shown, the smart credit system based on invoice data includes:
[0111] Tax control equipment interface, used to access tax control equipment;
[0112] The user login module is used to receive the login information input by the user, and verify the login information after accessing the tax control equipment;
[0113] The invoice data acquisition module is used to log in to the value-added tax invoice comprehensive service platform after the login information is verified, and obtain and save the invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;
[0114] The data processing module is used to deduplicate and clean the invoice data to obtain the target specification invoice data;
[0115] A qualification evaluation module, configured to judge whether the user has loan qualifications based on the target specification invoice data, and push the target specification invoice data if the user has loan qu...
Embodiment 2
[0132] Such as figure 2 As shown, the smart credit method based on invoice data includes:
[0133] Step 1: Receive the login information input by the user, and verify the login information after the user accesses the tax control device through the tax control device interface;
[0134] Step 2: Log in to the VAT invoice comprehensive service platform after the login information is verified, and obtain and save the invoice data corresponding to the user from the VAT invoice comprehensive service platform;
[0135] Step 3: Deduplicate and clean up the invoice data to obtain target specification invoice data;
[0136] Step 4: Determine whether the user is eligible for a loan based on the invoice data of the target specification, and if the user is eligible for a loan, push the invoice data of the target specification;
[0137] Step 5: Evaluate the user's loanable amount based on the received target specification invoice data, recommend at least one credit product that meets the...
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Abstract
The invention discloses an intelligent credit system and method based on invoice data. The intelligent credit system based on the invoice data comprises a tax control equipment interface, a user login module, an invoice data acquisition module, a data processing module, a qualification evaluation module and an intelligent credit module. According to the intelligent credit system, the tax control equipment is accessed through the tax control equipment interface, the login information input by the user is received through the user login module, and the login information is verified, so that the safety of the intelligent credit system is effectively improved; the invoice data acquisition module acquires and stores the invoice data corresponding to the user from the value-added tax invoice comprehensive service platform, and the intelligent credit module evaluates the loan amount of the user and recommends a credit product satisfying the loan amount to the user, that is, the loan amount of the user can be evaluated based on the invoice data. The process is very convenient and efficient, so that the loan efficiency of the user is effectively improved technically.
Description
technical field [0001] The invention belongs to the field of credit, and more specifically relates to an intelligent credit system and method based on invoice data. Background technique [0002] With the development of credit business, more and more customers are handling credit business. Therefore, how to safely and efficiently handle credit business for customers in need has triggered the exploration of many financial institutions. [0003] In the traditional way of handling credit business, the first stage is the acceptance stage, in which the customer applies for credit to the financial institution. At this stage, the acceptance staff conducts qualification examination on the customer, requires the customer to submit relevant materials, and conducts a preliminary review of the information submitted by the customer. , The second stage is the investigation stage. After accepting the customer's application, it will enter the investigation and evaluation stage after the prel...
Claims
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Application Information
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