Credit loan mode method based on virtual quota and intelligent fund routing module
A technology of smart funds and funds, applied in the field of Internet credit, can solve problems such as unfavorable user retention and long time, and achieve the effect of reducing the difficulty of borrowing
Pending Publication Date: 2022-05-24
TIANYI ELECTRONICS COMMERCE
View PDF0 Cites 0 Cited by
- Summary
- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
Moreover, it takes too long for the system to interactively obtain the result from the funder, so it is necessary to notify the user of the loan result through an asynchronous SMS notification. If the loan fails, the user is less willing to return to the product again, which is not conducive to user retention. Need to re-borrow need to go through the whole process again
Method used
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View moreImage
Smart Image Click on the blue labels to locate them in the text.
Smart ImageViewing Examples
Examples
Experimental program
Comparison scheme
Effect test
Embodiment Construction
[0029] In order to make the technical means of the present invention to be implemented, the creation features, the attainment of the object and efficacy are easy to understand, the following in conjunction with specific embodiments, further elaborated on the present invention.
[0030] Reference Figure 1 , the present embodiment adopts the following technical solution: based on the virtual quota and intelligent capital routing module of the credit borrowing model method, comprising the following steps:
[0031] S1, identify the user, such as Figure 2 ：
[0032] The intelligent customer identification system filters eligible users based on policies
[0033] S2. Pre-open virtual quota:
[0034] The system pre-opens a virtual quota for eligible users, and users can skip the regular credit granting process, and they can apply for a loan without granting credit;
[0035] S3, intelligent fund routing module for the user virtual quota recommends multiple funding parties, such as Figure 3...
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More PUM
Login to View More Abstract
The invention discloses a credit loan loan mode method based on a virtual quota and an intelligent fund routing module. The credit loan loan mode method comprises the following steps: S1, user identification: an intelligent customer group identification system screens out users meeting conditions based on a strategy; s2, pre-opening the virtual quota: the system pre-opens the virtual quota for the user meeting the condition, and the user can skip a conventional credit granting process and can perform a loan application before credit granting; s3, the intelligent fund routing module recommends multiple fund parties for the user virtual quota; s4, the user confirms a trial result and submits a loan application; s5, the system carries out loan application based on the priority of the fund recommendation party; and S6, after obtaining a final loan submission result, the system asynchronously notifies the user through a short message. The credit granting process is skipped, meanwhile, the quota is always effective, the user can directly borrow money, and the money borrowing difficulty is reduced; a user only needs to initiate one-time submission to realize multiple times of loan application, and the system automatically submits for the user again when loan fails based on a serial mode.
Description
Technical field [0001] The present invention relates to the field of Internet credit, specifically to a credit borrowing model method based on a virtual quota and an intelligent capital routing module. Background [0002] Borrowing in the field of Internet credit refers to the user's behavior of using the amount of funds to lend to the funding party under the premise that the funding party has passed the credit. Borrowing generally requires the user to successfully extend credit in advance at a specific funding party, and the successful credit line will also expire, expire, etc., requiring the user to re-supplement the information, and the user cannot initiate the loan again after the loan failure under the amount, which increases the difficulty of the user's borrowing. [0003] At present, most of the products for the user's loan processing is to use a single amount corresponding to a single fund party, that is, the user's each loan application can only be submitted to one fundi...
Claims
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More Application Information
Patent Timeline
Login to View More Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/2457G06F16/9535
CPCG06F16/24578G06F16/9535G06Q40/03
Inventor 杜太顺
Owner TIANYI ELECTRONICS COMMERCE