Credit Granting Processing Method, Device, Electronic Device and Storage Medium

Abstract

This application relates to the field of communication technologies, and particularly to a credit-granting processing method, apparatus, electronic device, and storage medium. The method includes: determining the type of evaluation data and the device corresponding to the type according to the region where the user to be credit-granted is located; further, obtaining the user's evaluation data from the corresponding device, and determining the credit-granting method and / or credit limit of the user according to the evaluation data. In this way, different evaluation rules can be selected for users in different regions to evaluate the credit level of users, and then corresponding credit degrees can be granted to users based on different credit-granting methods for different credit levels, improving the accuracy and flexibility of granting credit degrees, enhancing the user experience, and also enabling timely recovery of the fees owed by users.

Description

Technical Field

[0001] This application relates to the field of communication technologies, and in particular, to a credit granting processing method, apparatus, electronic device, and storage medium. Background Art

[0002] With the development of communication technologies, the number of mobile phone users has increased sharply. For mobile phone users, mobile communication operators usually adopt a method of consuming first and paying later, which makes the problem of user arrears increasingly prominent. To solve the arrears problem, mobile communication enterprises have gradually started to establish user credit management and provide a relatively fixed credit limit to mobile users to reduce the user arrears rate.

[0003] In the prior art, historical data such as user recharge records, suspension / resumption records, transfer / withdrawal records, consumption records, and billing records can be extracted, and after data cleaning and conversion, they are input into a mathematical model to obtain the credit rating of each user. Further, when it is determined that the credit rating of each user meets the credit granting criteria, a fixed credit limit is granted to the user.

[0004] However, using the above method to grant a fixed credit limit to users has poor accuracy, great limitations, poor flexibility, and affects the user experience. Summary of the Invention

[0005] This application provides a credit granting processing method, apparatus, electronic device, and storage medium, which can improve the accuracy of granting user credit limits, have different evaluation rules for different regions, and improve flexibility and user experience.

[0006] In a first aspect, this application provides a credit granting processing method, and the method includes:

[0007] Determine the type of evaluation data and the device corresponding to the type according to the region where the user to be granted credit is located;

[0008] Obtain the evaluation data of the user from the corresponding device, and determine the credit granting method and / or credit limit of the user according to the evaluation data.

[0009] Optionally, there is at least one type of evaluation data corresponding to the user; determining the credit granting method and / or credit limit of the user according to the evaluation data includes:

[0010] Calculate the sum of the products of the evaluation data and their respective proportionality coefficients to obtain the user score of the user;

[0011] Based on the user score, look up the corresponding credit level in a preset lookup table, and determine the credit granting method and / or credit limit corresponding to the user based on the credit level.

[0012] Optionally, determining the credit granting method and / or credit limit corresponding to the user based on the credit rating includes:

[0013] Judging whether the user belongs to an up-graded user or a down-graded user based on the size of the credit rating;

[0014] If it is determined that the user is an up-graded user, obtain the pre-determined credit granting method for the region; and search for the corresponding credit limit in the pre-set look-up table based on the credit rating, and perform up-grading processing based on the credit granting method;

[0015] If it is determined that the user is a down-graded user, search for the corresponding credit limit in the pre-set look-up table based on the credit rating, and perform down-grading processing.

[0016] Optionally, the credit granting method includes an active granting mode and an application granting mode. Performing up-grading processing based on the credit granting method includes:

[0017] If the credit granting method is the active granting mode, adjust the user's credit limit to the found credit limit based on a preset condition, and send a message reminder to the user; the message reminder includes the found credit limit, the credit duration, and the credit cancellation method;

[0018] If the credit granting method is the application granting mode, send an inquiry message to the user to ask whether the user needs to adjust the credit limit to the found credit limit, and adjust the user's credit limit based on the information replied by the user.

[0019] Optionally, the active granting mode includes a batch active credit granting method and a low balance trigger credit granting method; adjusting the user's credit limit to the found credit limit based on a preset condition includes:

[0020] If the credit granting method is the batch active credit granting method, adjust the user's credit limit to the found credit limit at a preset cycle;

[0021] If the credit granting method is the low balance trigger credit granting method, obtain the user's balance information, and when it is determined that the user's balance information is greater than a preset threshold, adjust the user's credit limit to the found credit limit.

[0022] Optionally, determining the credit granting method and / or credit limit of the user according to the evaluation data includes:

[0023] Determine the credit granting method and / or credit limit of the user according to the user's credit information and the evaluation data.

[0024] Optionally, the method further includes:

[0025] Obtain the rules formulated by the area administrator for the area, and display the rules for the operation and maintenance personnel to review;

[0026] In response to the operation of passing the review, store the rules for determining the type of evaluation data and the devices corresponding to the type.

[0027] In a second aspect, the present application further provides a credit granting processing device, and the device includes:

[0028] A determination module, configured to determine the type of evaluation data and the devices corresponding to the type according to the area where the user to be granted credit is located;

[0029] A processing module, configured to obtain the evaluation data of the user from the corresponding device, and determine the credit granting method and / or credit limit of the user according to the evaluation data.

[0030] In a third aspect, the present application further provides an electronic device, including: a processor, a memory, and a computer program; wherein, the computer program is stored in the memory and is configured to be executed by the processor, and the computer program includes instructions for executing the credit granting processing method according to any one of the first aspect.

[0031] In a fourth aspect, the present application further provides a computer-readable storage medium, and the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the credit granting processing method according to any one of the first aspect.

[0032] In summary, the present application provides a credit granting processing method, device, electronic device, and storage medium. The method can determine the type of evaluation data and the devices corresponding to the type according to the area where the user to be granted credit is located; further, obtain the evaluation data of the user from the corresponding device, and determine the credit granting method and / or credit limit of the user according to the evaluation data. In this way, different evaluation rules can be selected for users in different areas to evaluate the credit level of users, and then corresponding credit degrees can be granted to users based on different credit granting methods for different credit levels, improving the accuracy and flexibility of granting credit degrees, enhancing the user experience, and also being able to recover the fees owed by users in a timely manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] The drawings here are incorporated into the specification and constitute a part of this specification, showing embodiments consistent with the present application, and are used together with the specification to explain the principles of the present application.

[0034] Figure 1 It is a schematic diagram of an application scenario provided by an embodiment of the present application;

[0035] Figure 2 Schematic flow chart of a credit granting processing method provided by an embodiment of the present application;

[0036] Figure 3 Schematic block diagram of an evaluation data type provided by an embodiment of the present application;

[0037] Figure 4 Schematic flow chart of a process for determining evaluation data and user credit information provided by an embodiment of the present application;

[0038] Figure 5 Schematic flow chart of a specific credit granting processing method provided by an embodiment of the present application;

[0039] Figure 6 Schematic structural diagram of a credit granting processing device provided by an embodiment of the present application;

[0040] Figure 7 Schematic structural diagram of an electronic device provided by an embodiment of the present application.

[0041] Through the above-mentioned drawings, specific embodiments of the present application have been shown, and more detailed descriptions will be provided hereinafter. These drawings and textual descriptions are not intended to limit the scope of the concept of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. Specific Embodiments

[0042] Here, the exemplary embodiments will be described in detail, and the examples are shown in the drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. On the contrary, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0043] To facilitate a clear description of the technical solutions of the embodiments of the present application, in the embodiments of the present application, terms such as "first" and "second" are used to distinguish the same items or similar items with basically the same functions and roles. For example, the first device and the second device are only used to distinguish different devices and do not limit their sequence. Those skilled in the art can understand that the terms "first" and "second" do not limit the quantity and execution order, and the terms "first" and "second" do not necessarily limit to being different.

[0044] It should be noted that, in this application, words such as "exemplary" or "for example" are used to indicate examples, illustrations or descriptions. Any embodiment or design described as "exemplary" or "for example" in this application should not be interpreted as being more preferred or more advantageous than other embodiments or designs. Specifically, the use of words such as "exemplary" or "for example" is intended to present related concepts in a specific way.

[0045] In the present application, "at least one" means one or more, and "plurality" means two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone, where A and B can be singular or plural. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b, or c can mean: a, b, c, ab, ac, bc, or abc, where a, b, c can be single or multiple.

[0046] The embodiments of the present application are introduced below with reference to the accompanying drawings. Figure 1 This is a schematic diagram of an application scenario provided in an embodiment of the present application. A credit processing method provided in the present application can be applied to the following examples: Figure 1 The application scenario shown. The application scenario includes: a first terminal device 101, a second terminal device 102, a third terminal device 103, a credit processing system 104, a base station 1 and a server in the coverage area of ​​base station 1, a base station 2 and a server in the coverage area of ​​base station 2; wherein base station 1 is located in a specific area, and base station 2 is located in another specific area, for example, base station 1 is located in area A of province, base station 2 is located in area B of province, the first terminal device 101 and the second terminal device 102 are located in the coverage area of ​​base station 1, and the third terminal device 103 is located in the coverage area of ​​base station 2.

[0047] Specifically, the credit processing system 104 can obtain signaling data, positioning information, basic user information, credit limit, number of overdue suspensions and other user data related to the first terminal device 101 and the second terminal device 102 sent by the base station 1 and the server within the coverage area of ​​the base station 1. Furthermore, the above data is processed based on the evaluation rules formulated by the management personnel within the province A area to determine the credit ratings of the first terminal device 101 and the second terminal device 102, and the corresponding credit ratings are granted based on the corresponding credit ratings of the first terminal device 101 and the second terminal device 102.

[0048] Correspondingly, the credit granting processing system 104 can also obtain relevant user data of the third terminal device 103 sent by the base station 2 and the servers within the coverage area of the base station 2, and process the user data based on the evaluation rules formulated by the management personnel within the scope of Region B of Province, determine the credit rating of the third terminal device 103, and grant the corresponding credit limit to the third terminal device 103.

[0049] It should be noted that the evaluation rules formulated within the scope of Region A of Province and the evaluation rules formulated within the scope of Region B of Province can be the same or different, depending on the actual situation of each region. The evaluation rules are used to determine the type of user data to be selected, the method of calculating the credit limit and / or the way of selecting the granted credit limit, etc.

[0050] It can be understood that there can be multiple base stations within the scope of each region, and there can be multiple terminal devices within the coverage area of each base station. The embodiments of the present application do not specifically limit the number of base stations within the scope of each region and the number of terminal devices within the coverage area of each base station. The above numbers of terminal devices and base stations are only for illustrative purposes.

[0051] Optionally, the above base station can be a base transceiver station (BTS) and / or a base station controller in Global System of Mobile communication (GSM) or Code Division Multiple Access (CDMA), or a NodeB (NB) and / or a Radio Network Controller (RNC) in Wideband Code Division Multiple Access (WCDMA), or an Evolutional Node B (eNB or eNodeB) in Long Term Evolution (LTE), or a relay station or an access point, or a base station (gNB) in the future fifth-generation mobile communication technology (5G) network, etc. The present application does not limit this here.

[0052] The above terminal device can be a wireless terminal or a wired terminal. A wireless terminal can be a device that provides voice and / or other service data connectivity to users, a handheld device with wireless connection capabilities, or other processing devices connected to a wireless modem. A wireless terminal can communicate with one or more core network devices via a Radio Access Network (RAN). A wireless terminal can be a mobile terminal, such as a mobile phone (or "cellular" phone) and a computer with a mobile terminal. For example, it can be a portable, pocket-sized, handheld, computer-integrated, or vehicle-mounted mobile device that exchanges voice and / or data with the wireless access network. For another example, a wireless terminal can also be a Personal Communication Service (PCS) phone, a cordless phone, a Session Initiation Protocol (SIP) phone, a Wireless Local Loop (WLL) station, a Personal Digital Assistant (PDA), and other devices. A wireless terminal can also be referred to as a system, a subscriber unit, a subscriber station, a mobile station, a mobile, a remote station, a remote terminal, an access terminal, a user terminal, a user agent, a user device or user equipment, which is not limited herein. Optionally, the above terminal device can also be a smart watch, a tablet computer, and other devices.

[0053] In the prior art, historical data such as the user's recharge record, suspension / resumption record, transfer / withdrawal record, consumption record, and billing record can be extracted, and after data cleaning and conversion, it is input into a mathematical model to obtain the credit rating of each user. Further, when the credit rating of each user meets the credit granting standard, a fixed credit limit is granted to the user.

[0054] However, using the above method to grant a fixed credit limit to users has poor accuracy, great limitations, poor flexibility, and affects the user experience.

[0055] Therefore, the present application provides a credit granting processing method, which can determine the evaluation rules corresponding to the area where the user to be granted credit is located, and based on the evaluation rules, evaluate multiple factors for predicting the user's repeated performance ability and consumption ability according to big data analysis, and grant the user corresponding credit based on the prediction results, thereby improving the accuracy and flexibility of granting credit to the user and reducing the user's arrears rate.

[0056] The technical solution of the present application will be described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below with reference to the accompanying drawings.

[0057] Exemplarily, Figure 2 is a schematic flowchart of a credit granting processing method provided by an embodiment of the present application; as Figure 2 shown, the method may include:

[0058] S201. Determine the type of evaluation data and the device corresponding to the type according to the area where the user to be granted credit is located.

[0059] In the embodiment of the present application, the evaluation data may refer to the data used to evaluate the user's repeated performance ability and consumption ability, such as specific data like 5 times of shutdown, 2 times of overdue payment, credit rating level 2, credit score 100 points, model 1 corresponding to the terminal device brand, etc. The type of evaluation data refers to the type corresponding to the evaluation data. For example, the type corresponding to 5 times of shutdown is the number of shutdowns, the type corresponding to 2 times of overdue payment is the number of overdue payments, the type corresponding to credit rating level 2 is the credit rating, the type corresponding to credit score 100 points is the credit score, and the type corresponding to model 1 corresponding to the terminal device brand is the brand, etc.; the device corresponding to the type refers to the device from which the evaluation data and the type of evaluation data come. For example, mobile phone signaling data and location information come from the base station, user information such as the number of shutdowns, the number of overdue payments, the credit rating, and the credit score can come from the operator platform, and the communication circle can come from the network server, etc.

[0060] Specifically, Figure 3 is a schematic block diagram of a type of evaluation data provided by an embodiment of the present application, as Figure 3As shown, the evaluation data types (i.e., rule support factors) may include product type, collection, users exempt from credit score processing, users on the red list, cities, contract types, Average Revenue Per User (ARPU), number of outages, length of stay on the network, star rating, customer type, credit score, number of active days, credit level, social circle, number of overdue arrears, fixed credit limit, brand, etc. The evaluation data types may also include other data used to characterize the user's repeated performance ability and consumption ability, which are not listed one by one here.

[0061] Exemplarily, in Figure 1 the application scenario, the credit granting processing system 104 may respectively determine the types of evaluation data required to evaluate the credit levels corresponding to the first terminal device 101, the second terminal device 102, and the third terminal device 103, and the devices corresponding to each type, based on the provincial A area where the first terminal device 101 and the second terminal device 102 are located and the provincial B area where the third terminal device 103 is located. Among them, the provincial A area and the provincial B area correspond to different evaluation rules, and different types of evaluation data are selected based on the evaluation rules.

[0062] S202. Obtain the evaluation data of the user from the corresponding device, and determine the credit granting method and / or credit limit of the user according to the evaluation data.

[0063] In the embodiments of the present application, the credit granting method may refer to the method of determining the credit limit granted to the user according to the basic situation of each region and customer, including the active granting mode and the application granting mode. Among them, the active granting mode may select two methods: batch active credit granting and real-time low balance trigger credit granting. According to the rules corresponding to different regions, a new fixed credit limit is granted to the user, and the user is sent a text message reminder. The user can reply to the text message to cancel the credit granting. The application granting mode refers to the method of first sending a text message to the user and then granting a fixed credit limit after the user replies to the text message.

[0064] Among them, the real-time low balance trigger method refers to real-time monitoring of the user's balance information, and granting a certain credit limit to users whose balance reaches a certain threshold; the batch active credit granting method refers to batch credit granting to users at fixed intervals. It can be understood that the credit limits of both credit granting methods have a certain validity period and do not take effect permanently.

[0065] The credit limit may refer to the credit limit granted to the user, which is a stock management indicator for short-term credit granting services approved for the customer, used to meet the consumption needs of the user, reduce the impact caused by the user's failure to pay in time, and delay the user's outage.

[0066] Exemplarily, in Figure 1In the application scenario, the credit granting processing system 104 can obtain the evaluation data of the first terminal device 101 and the second terminal device 102 from devices such as the base station 1 and the operator or network platform, and obtain the evaluation data of the third terminal device 103 from devices such as the base station 2 and the operator or network platform. Further, according to the above evaluation data, determine the credit granting methods and credit limits of the first terminal device 101, the second terminal device 102, and the third terminal device 103. For example, it can be determined that the credit granting method of the first terminal device 101 is the real-time low balance trigger method, and the credit limit is 20 yuan; the credit granting method of the second terminal device 102 is the application-granting mode, and the credit limit is 50 yuan; the credit granting method of the third terminal device 103 is the batch active credit granting method, and the credit limit is 30 yuan.

[0067] It should be noted that the credit granting methods and credit limits selected for the above terminal devices are only illustrative examples. In this application, the credit granting method of the user can also be determined according to the evaluation data. However, the fixed credit limit corresponding to each credit granting method can also be determined according to the evaluation data for the user's credit limit. However, the unified credit granting method corresponding to each credit limit can also be determined according to the evaluation data for the user's credit granting method and credit limit. The two depend on different situations, and the embodiments of this application do not make specific limitations on this.

[0068] Therefore, the credit granting method provided by the embodiments of this application can select different evaluation rules for users in different regions to evaluate the credit levels of users, and then grant corresponding credit degrees to users based on different credit granting methods for different credit levels, improving the accuracy and flexibility of granting credit degrees, enhancing the user experience, and also being able to recover the fees owed by users in a timely manner.

[0069] Optionally, there is at least one type of evaluation data corresponding to the user; determining the credit granting method and / or credit limit of the user according to the evaluation data includes:

[0070] Calculate the sum of the products of the evaluation data and their respective proportionality coefficients to obtain the user score of the user;

[0071] Based on the user score, look up the corresponding credit level in the preset lookup table, and determine the credit granting method and / or credit limit corresponding to the user based on the credit level.

[0072] In the embodiments of the present application, the preset lookup table may refer to a table used to store the relationship between user ratings, credit levels, and corresponding credit limits. In this preset lookup table, each user rating range has a corresponding credit level and credit limit. The length range of each user rating range is not specifically limited in the embodiments of the present application. For example, the credit level corresponding to the user rating range [1, 100] is level 1, and the credit level corresponding to [100, 200] is level 2, and so on. The interval length is 100. The credit level corresponding to each user rating range is determined, and each credit level has a corresponding credit limit. The specific value of this credit limit is not specifically limited in the embodiments of the present application.

[0073] Among them, the credit level may refer to the level category divided for the user's credit based on the user credit evaluation result (i.e., the user rating), which reflects the high or low level of the user's credit.

[0074] It should be noted that each evaluation data has its own corresponding proportional coefficient. This proportional coefficient can be determined by the system according to experience or set artificially. The embodiments of the present application do not make specific limitations on this.

[0075] Exemplarily, in Figure 1 the application scenario of, taking the first terminal device 101 as an example, the credit granting processing system 104 can calculate the sum of the products of the evaluation data of the first terminal device 101 obtained from devices such as the base station 1 and the operator or network platform and their respective corresponding proportional coefficients to obtain the user rating of the first terminal device 101. For example, the evaluation data corresponding to the first terminal device 101 includes 2 overdue arrears, credit level 2, and credit score 100 points. The proportional coefficient corresponding to the number of overdue arrears is 0.5, the proportional coefficient corresponding to the credit level is 0.3, and the proportional coefficient corresponding to the credit score is 0.2. The calculated user rating of the first terminal device 101 is 2*0.5 + 2*0.3 + 100*0.2 = 21.6. Further, based on the calculated user rating of 21.6 points, the corresponding credit level is found to be level 1 in the preset lookup table, and based on the credit level, it can be determined that the credit granting method corresponding to the first terminal device 101 is the real-time low balance trigger method, and the credit limit is 20 yuan.

[0076] It should be noted that the above selection of the evaluation data type, the credit granting method corresponding to the user, and the credit limit are only illustrative examples, and should be determined according to the actual situation in different regions. The embodiments of the present application do not make specific limitations on this.

[0077] Therefore, the present application can calculate the user credit score based on the evaluation data, and then determine the credit level, improving the calculation accuracy, and further improving the processing efficiency of determining the user's credit granting method and / or credit limit.

[0078] Optionally, determining the credit-granting method and / or credit limit corresponding to the user based on the credit rating includes:

[0079] Judging whether the user is an up-gradation user or a down-gradation user based on the magnitude of the credit rating;

[0080] If it is determined that the user is an up-gradation user, obtain the pre-determined credit-granting method for the region; and search for the corresponding credit limit in the pre-set look-up table based on the credit rating, and perform up-gradation processing based on the credit-granting method;

[0081] If it is determined that the user is a down-gradation user, search for the corresponding credit limit in the pre-set look-up table based on the credit rating, and perform down-gradation processing.

[0082] In the embodiments of the present application, an up-gradation user may refer to a user whose credit-granting method and / or credit limit needs to be adjusted due to the improvement of the user's credit rating, and a down-gradation user may refer to a user whose credit limit is directly adjusted due to the reduction of the user's credit rating.

[0083] In this step, judging whether the user is an up-gradation user or a down-gradation user based on the magnitude of the credit rating can be achieved by comparing whether the magnitude of the credit rating is within the interval where the up-gradation level is located or the interval where the down-gradation level is located. For example, if a user's credit rating is level 5 and is within the up-gradation interval [4, 10], it can be directly judged that the user is an up-gradation user.

[0084] Optionally, when judging whether the user is an up-gradation user or a down-gradation user based on the magnitude of the credit rating, it can also be determined by comparing whether the magnitude of the credit rating in the current period changes compared with the magnitude of the credit rating in the previous period, so as to judge whether the user is an up-gradation user or a down-gradation user. For example, if a user's credit rating is level 5 in the second quarter and the user's credit rating was level 4 in the first quarter, it can be judged that the user's level has risen and the user is an up-gradation user.

[0085] Exemplarily, in Figure 1In the application scenario, taking the first terminal device 101 as an example, the evaluation data corresponding to the first terminal device 101 includes 1 overdue payment, a credit rating of 5, and a credit score of 2000 points. The proportionality coefficient corresponding to the number of overdue payments is 0.5, the proportionality coefficient corresponding to the credit rating is 0.3, and the proportionality coefficient corresponding to the credit score is 0.2. The user score of the first terminal device 101 is calculated to be 402 points, and the corresponding credit rating is 4. Then it can be determined that this credit rating is within the promotion range [4, 10], so it is determined that the first terminal device 101 belongs to an upscaling user. Further, the pre-determined credit granting method within region A of the province is obtained as the application-based granting mode; and based on this credit rating of 4, the corresponding credit limit of 50 yuan is found in the pre-set lookup table. Further, the first terminal device 101 is processed for upscaling based on the application-based granting mode.

[0086] Optionally, taking the second terminal device 102 as an example, the evaluation data corresponding to the second terminal device 102 includes 5 overdue payments, a credit rating of 1, and a credit score of 100 points. The proportionality coefficient corresponding to the number of overdue payments is 0.5, the proportionality coefficient corresponding to the credit rating is 0.3, and the proportionality coefficient corresponding to the credit score is 0.2. The user score of the second terminal device 102 is calculated to be 22.8 points, and the corresponding credit rating is 1. Then it can be determined that this credit rating is within the downgrading range [1, 3], so it is determined that the second terminal device 102 belongs to a downgrading user. Further, the second terminal device 102 is directly processed for downgrading, which takes effect on the 1st day of the next month.

[0087] Therefore, the embodiments of the present application can divide users into upscaling users or downgrading users, and provide personalized services according to user value for different users, improving flexibility and thus enhancing user perception.

[0088] Optionally, the credit granting method includes an active granting mode and an application granting mode. The upscaling process based on the credit granting method includes:

[0089] If the credit granting method is the active granting mode, the credit limit of the user is adjusted to the found credit limit based on the preset conditions, and a message reminder is sent to the user; the message reminder includes the found credit limit, the credit granting duration, and the credit cancellation method;

[0090] If the credit granting method is the application granting mode, an inquiry message is sent to the user to ask whether the user needs to adjust the credit limit to the found credit limit, and the credit limit of the user is adjusted based on the information replied by the user.

[0091] In the embodiments of the present application, the preset conditions may refer to the time for granting the credit limit and the credit granting cycle set in different regions. For example, the preset condition is to grant the user the credit limit on January 1 of the next month, and the granting cycle is 3 months.

[0092] In this step, the message reminder may refer to the prompt message sent after adjusting the user's credit limit to remind the user that the credit limit has changed. The message reminder includes the found credit limit, the credit period, and the credit cancellation method. Among them, the found credit limit refers to the adjusted credit limit of the user, the credit period refers to the cycle for granting the adjusted credit limit to the user, and the credit cancellation method refers to the behavior by which the user can cancel the adjustment of the credit limit this time.

[0093] For example, a message reminder is sent to the user's terminal device, and the message reminder is "Since your credit rating has reached 5 stars, you are granted a credit limit of 50 yuan for a period of 3 months. Please confirm whether to cancel. The default for not replying is to confirm, and replying 'no' is to cancel", or the message reminder may also include two option buttons 'yes' and 'no'. If the user selects 'no', it is confirmed that the user cancels the behavior of granting the credit limit. Further, the credit processing system cancels the behavior of granting the credit limit this time. The specific content of the message reminder in the embodiments of the present application is not limited.

[0094] The inquiry message may refer to the inquiry message sent to ask the user whether to adjust the credit limit. Before sending the inquiry message, the credit processing system does not adjust the user's credit limit, but determines whether to adjust the credit limit based on the user's reply. Before sending the above message reminder, the user's credit limit has been adjusted.

[0095] For example, an inquiry message is sent to the user's terminal device, and the inquiry message is "Since your credit rating has reached 5 stars, you are granted a credit limit of 50 yuan for a period of 3 months. Please confirm whether to grant. Replying 'yes' is to confirm, and replying 'no' is to cancel". If the user selects 'yes', it is confirmed that the user agrees to adjust the credit limit. Further, the credit processing system adjusts the user's credit limit. The specific content of the inquiry message in the embodiments of the present application is not limited.

[0096] Exemplarily, in Figure 1In the application scenario, taking the third terminal device 103 as an example, if the credit granting processing system 104 determines that the credit granting method of the third terminal device 103 is the active granting mode, the credit limit of the third terminal device 103 can be adjusted to the found credit limit. For example, the credit rating corresponding to the third terminal device 103 is level 5, and the credit limit corresponding to this credit rating is found to be 50 yuan in the preset lookup table. Further, the credit limit of the third terminal device 103 is adjusted to 50 yuan for 3 months, which takes effect on the first day of the next month, and a message reminder is sent to the third terminal device 103; the message reminder is "Since your credit rating has reached 5 stars, you are granted a credit limit of 50 yuan for a period of 3 months. Please confirm whether to cancel. The default is to confirm if no reply is made, and to cancel if 'no' is replied", which is used to remind the user that the credit limit has changed.

[0097] Optionally, if the credit granting processing system 104 determines that the credit granting method of the third terminal device 103 is the application granting mode, and the credit rating corresponding to the third terminal device 103 is level 5, the credit limit corresponding to this credit rating can be first found to be 50 yuan in the preset lookup table. Further, an inquiry message is sent to the third terminal device 103 to inquire whether the third terminal device 103 needs to adjust the credit limit to 50 yuan. If the user replies "yes", the credit limit of the third terminal device 103 is adjusted to 50 yuan for 3 months, which takes effect on the first day of the next month.

[0098] It should be noted that the user can also consult the credit limit they own by sending other information, and the method provided in the embodiments of the present application can also reply. For the specific reply content, the embodiments of the present application do not limit this.

[0099] Therefore, the embodiments of the present application provide multiple credit granting methods, and also give the user the initiative, enabling the user to clearly know the credit limit they own and make adjustments, improving the user's participation and the flexibility of the system.

[0100] Optionally, the active granting mode includes a batch active credit granting method and a low balance trigger credit granting method; adjusting the credit limit of the user to the found credit limit based on a preset condition includes:

[0101] If the credit granting method is the batch active credit granting method, the credit limit of the user is adjusted to the found credit limit according to a preset cycle;

[0102] If the credit granting method is the low balance trigger credit granting method, the user balance information is obtained, and when it is determined that the user balance information is greater than a preset threshold, the credit limit of the user is adjusted to the found credit limit.

[0103] In the embodiments of the present application, the preset period may refer to the duration for granting a user a new credit limit. This preset period can be preset by the system in advance or can be modified manually. The embodiments of the present application do not limit the specific value of the preset period.

[0104] The balance information may refer to the remaining balance after settling the consumption of this month. For example, if the credit limit granted to the user this month is 50 yuan, the consumption this month is 29 yuan, and the user pays 10 yuan, then the balance information at this time is: 50 yuan - 29 yuan + 10 yuan = 31 yuan; the preset threshold may refer to the threshold set for determining whether the balance information can be used to deduct the next consumption again. As long as the balance information does not exceed the preset threshold, the credit granting processing system can quickly provide short-term credit to the user. For example, for a user with a monthly rent of 29 yuan, as long as the balance information is greater than 29 yuan, the credit granting processing system can provide short-term credit to the user.

[0105] Exemplarily, in Figure 1 the application scenario of, taking the third terminal device 103 as an example, if the credit granting processing system 104 determines that the credit granting method of the third terminal device 103 is the batch active credit granting method, then the credit limit of the third terminal device 103 can be adjusted to the found credit limit in a way that grants the third terminal device 103 for 3 months, and a message reminder is sent to the third terminal device 103 to remind the user that the credit limit has changed; if the credit granting processing system 104 determines that the credit granting method of the third terminal device 103 is the low balance trigger credit granting method, then the credit granting processing system 104 needs to first obtain the user balance information of the third terminal device 103. If it is determined that the user's balance information is 31 yuan, which is greater than the preset threshold of 29 yuan, the credit limit of the third terminal device 103 can be adjusted to the found credit limit.

[0106] Therefore, the method provided by the embodiments of the present application can select the corresponding credit granting method in consideration of the actual situation of the user, adjust the user's credit limit, keep track of the user's consumption ability and credit situation at any time, improve the processing efficiency, and reduce the occurrence of the situation where the arrears cannot be recovered.

[0107] Optionally, determining the credit granting method and / or credit limit of the user according to the evaluation data includes:

[0108] Determining the credit granting method and / or credit limit of the user according to the user credit information and the evaluation data.

[0109] In this step, historical data of the user can be obtained from multiple devices, and user credit information can be calculated based on a predefined algorithm. Among them, the historical data can refer to the data required for evaluating the user's credit score collected by the operator's original system. For example, the historical data can be the data owned by the operator's original system and the user behavior information collected using other network platforms. It covers a wide range of data information. The predefined algorithm refers to an algorithm used by the original system to dynamically evaluate the user's credit score by combining big data analysis of the user's communication behavior, online transactions, online behavior, online social networking, etc. For example, it can be a weighted algorithm, a neural network learning model, etc.

[0110] Among them, the identity characteristics can include information such as the user's subscribed product type, contract situation, collection, etc.; the behavior preferences can include information such as the monthly package fee and payment amount in the past 6 months, active days, etc.; the performance ability can include the arrears amount in the past 6 months, the number of overdue outages, etc.; the credit history mainly refers to the network access duration information; the network of contacts refers to the credit score situation of the top ten call contacts.

[0111] It can be understood that the user credit information refers to the user credit score calculated using a predefined algorithm, and the user credit score can be divided into multiple levels.

[0112] Exemplarily, Figure 4 FIG. is a schematic flowchart of a process for determining evaluation data and user credit information provided by an embodiment of the present application. As Figure 4 shown, historical data of the user can be obtained from multiple devices, and Zhaolian big data analysis can be performed, and user credit information can be calculated based on a predefined algorithm. Further, the historical data and the user credit information file are transferred to the data middle platform, and the Zhaolian data is combined with the production data by the data middle platform for secondary processing. For example, important indicators such as the user's outage times, user star level, active days, etc. in the historical data are reprocessed, and then combined with the user credit information to generate a file. Further, the credit granting processing system uses an interface to transfer the file to the production library, which is provided for the credit granting processing system to use when determining evaluation data based on the region where the user to be credit granted is located. In this way, the credit granting processing system can select the corresponding evaluation data and user credit information of the user from the production library based on the evaluation data type.

[0113] Preferably, calculating the user credit information based on a predefined algorithm includes:

[0114] Classifying the historical data based on different indicators of user behavior to obtain M feature data; the indicators are divided based on the user's online transaction behavior, credit history, and social circle information;

[0115] The sum of the products of the M feature data and their respective predetermined proportional coefficients is calculated to obtain the user credit information.

[0116] Wherein, M is a positive integer greater than 1, and the specific value of M is not limited in the embodiment of the present application.

[0117] In the embodiment of the present application, the indicator may refer to the basis for dividing historical data into different categories, which may be based on the user's online transaction behavior, credit history, and social circle information; the predetermined proportional coefficient may refer to the proportional coefficient corresponding to each characteristic data set by the original system, and the predetermined proportional coefficient may also be modified manually, and the embodiment of the present application does not specifically limit this.

[0118] In this step, online transaction behavior, credit history, and social circle information may refer to information on the user's identity traits, behavioral preferences, contract performance capabilities, credit history, personal connections, and other aspects. For example, identity trait information includes characteristic data corresponding to the user's ordered product types, contract status, collection, and other types.

[0119] For example, in Figure 1 In the application scenario, taking the first terminal device 101 as an example, the credit processing system 104 obtains the evaluation data from the base station 1 and the operator platform device based on the rules corresponding to the province A area. Furthermore, the credit processing system 104 can also classify all historical data from the base station 1 and the operator or network platform and other devices based on the user's network transaction behavior, credit history and social circle information. For example, the classification obtains 100 feature data such as user credit score, credit limit, number of overdue suspensions, star rating, etc.; further, the sum of the products of the 100 feature data and their respective predetermined proportional coefficients is calculated to obtain the user's credit information. Further, the credit processing system 104 uses the obtained evaluation data and user credit information to calculate the user's credit level, thereby determining the user's corresponding credit method and / or credit limit.

[0120] Therefore, the present application can be processed again based on the acquired user credit information, and used together with the evaluation data to determine the credit method and / or credit limit, thereby improving the accuracy of determining the credit method and / or credit limit.

[0121] Optionally, the method further includes:

[0122] Obtain the rules formulated by the regional administrator for the region, and display the rules for review by the operation and maintenance personnel;

[0123] In response to the operation being approved, the rule is stored for use in determining the type of evaluation data and the device corresponding to the type.

[0124] In this step, the rules formulated by the regional administrator for the region may refer to the rules for the types of evaluation data required to evaluate the user credit rating, abbreviated as evaluation rules. These evaluation rules are used to distinguish between users with upgraded and downgraded ratings and are composed of multiple combinations of evaluation data types.

[0125] Exemplarily, after the administrators in each different region formulate rules for their own regions, they can be displayed on the front-end page of the system for review by the operation and maintenance personnel, or the system can be selected for automatic review. In this way, the approved evaluation rules are stored in the database for use by the users in the region when evaluating the credit limit in the future, to determine the types of evaluation data and the devices corresponding to the types, and further determine the credit granting method and / or credit limit of the user.

[0126] Among them, the front-end page of the system can be displayed through multiple channels by calling each peripheral interface, mainly implemented through microservices and Java (a computer programming language) related technologies.

[0127] It can be understood that if there are no corresponding evaluation rules for a certain region, the historical data of the users in the region can be stored in the historical table without performing credit granting related work.

[0128] Therefore, the embodiment of the present application can also review the rules corresponding to each region, making the rules more reasonable, thereby improving the accuracy of processing.

[0129] It should be noted that the method provided by the present application can also display the corresponding data type interface or rule formulation interface to the operation and maintenance personnel for viewing and verifying the obtained data. If there are abnormalities in the data of each type, the operation and maintenance personnel can modify it, thereby updating the database. In this way, the data retrieved from the database when using the credit granting processing method is more accurate.

[0130] Correspondingly, the method provided by the present application can also interact with the user, that is, the user can upload, download, receive, send, and view the rules formulated for the region where the user is located, as well as the selected evaluation data through the terminal device, so that the user can understand the rules in real time and can also put forward suggestions, thereby enhancing the user perception.

[0131] Combined with the above embodiments, Figure 5 is a flowchart of a specific credit granting processing method provided by the embodiment of the present application. As Figure 5 shown, the execution method steps of the embodiment of the present application include:

[0132] Step A: Conduct credit control evaluation on the relevant data of the credit score (that is, determine the evaluation data according to the region where the user to be credit granted is located). Further, send the credit granting data (evaluation data) to the credit granting processing system for review and processing. If the review is passed, execute Step B; otherwise, end the execution process.

[0133] Step B: The credit granting processing system performs up - grading and down - grading processing on the credit data. Further, it selects the corresponding credit granting method (i.e., processing type). If the selected credit granting method is the application - granting mode, it sends a text message reminder to the user to ask whether the user needs to adjust the credit limit. The user can view the session information and reply to the text message based on the session information. The credit granting processing system adjusts the user's credit limit based on the user's reply information. If the selected credit granting method is the active - granting mode, it performs data processing, selects the corresponding processing type (i.e., batch active credit granting method or low - balance - triggered credit granting method), then adjusts the credit limit based on the selected processing type, and sends a text message reminder to the user to remind the user that the credit limit has changed.

[0134] It should be noted that different regions can freely select the credit limit upper - bound granting method. The system supports two modes: the active - granting mode and the user - application credit - granting mode, and these two modes are implemented through related technologies such as javascript, C++, sdfs file interfaces, and callbacks.

[0135] In the foregoing embodiments, the credit granting processing method provided by the embodiments of the present application has been introduced. In order to implement each function in the method provided by the embodiments of the present application, the electronic device as the execution subject may include a hardware structure and / or software module, and implement the above - mentioned functions in the form of a hardware structure, a software module, or a combination of a hardware structure and a software module. Whether a certain function among the above - mentioned functions is executed in the form of a hardware structure, a software module, or a combination of a hardware structure and a software module depends on the specific application and design constraints of the technical solution.

[0136] For example, Figure 6 is a schematic structural diagram of a credit granting processing device provided by an embodiment of the present application, as Figure 6 shown. The device includes: a determination module 610 and a processing module 620. Among them, the determination module 610 is used to determine the type of evaluation data and the device corresponding to the type according to the region where the user to be credit - granted is located;

[0137] The processing module 620 is used to obtain the evaluation data of the user from the corresponding device, and determine the credit - granting method and / or credit limit of the user according to the evaluation data.

[0138] Optionally, the processing module 620 includes a calculation unit and a search - determination unit;

[0139] Specifically, the calculation unit is used to calculate the sum of the products of the evaluation data and their respective proportionality coefficients to obtain the user score of the user;

[0140] The searching and determining unit is configured to search for a corresponding credit rating in a preset lookup table based on the user rating, and determine a credit granting method and / or a credit limit corresponding to the user based on the credit rating.

[0141] Optionally, the searching and determining unit includes a judging unit, a first processing unit, and a second processing unit;

[0142] Specifically, the judging unit is configured to judge whether the user belongs to an up-rating user or a down-rating user based on the size of the credit rating;

[0143] The first processing unit is configured to, when determining that the user is an up-rating user, obtain a credit granting method predetermined for the region; search for a corresponding credit limit in a preset lookup table based on the credit rating, and perform an up-rating process based on the credit granting method;

[0144] The second processing unit is configured to, when determining that the user is a down-rating user, search for a corresponding credit limit in a preset lookup table based on the credit rating, and perform a down-rating process.

[0145] Optionally, the credit granting method includes an active granting mode and an application-based granting mode, and the first processing unit includes an adjustment unit and an inquiry unit;

[0146] Specifically, the adjustment unit is configured to, when the credit granting method is the active granting mode, adjust the user's credit limit to the found credit limit based on a preset condition, and send a message reminder to the user; the message reminder includes the found credit limit, the credit granting duration, and the credit cancellation method;

[0147] The inquiry unit is configured to, when the credit granting method is the application-based granting mode, send an inquiry message to the user to inquire whether the user needs to adjust the credit limit to the found credit limit, and adjust the user's credit limit based on the information replied by the user.

[0148] Optionally, the active granting mode includes a batch active credit granting method and a low balance-triggered credit granting method; specifically, the adjustment unit is configured to:

[0149] If the credit granting method is the batch active credit granting method, adjust the user's credit limit to the found credit limit at a preset period;

[0150] If the credit granting method is the low balance-triggered credit granting method, obtain the user's balance information, and when determining that the user's balance information is greater than a preset threshold, adjust the user's credit limit to the found credit limit.

[0151] Optionally, the processing module 620 is configured to determine the credit-granting method and / or credit limit of the user according to the user credit information and the evaluation data.

[0152] Optionally, the apparatus further includes a display module; the display module is configured to:

[0153] Obtain the rules formulated by the area administrator for the area, and display the rules for the operation and maintenance personnel to review;

[0154] In response to the operation of passing the review, store the rules for determining the type of evaluation data and the devices corresponding to the type.

[0155] For the specific implementation principle and effect of the credit-granting processing apparatus provided in the embodiments of the present application, reference may be made to the relevant descriptions and effects corresponding to the above embodiments, and details are not elaborated herein.

[0156] The embodiments of the present application further provide a schematic structural diagram of an electronic device. Figure 7 For a schematic structural diagram of an electronic device provided in the embodiments of the present application, as Figure 7 shown, the electronic device may include: a processor 702 and a memory 701 communicatively connected to the processor; the memory 701 stores a computer program; the processor 702 executes the computer program stored in the memory 701, so that the processor 702 executes the method described in any one of the above embodiments.

[0157] Wherein, the memory 701 and the processor 702 may be connected through a bus 703.

[0158] The embodiments of the present application further provide a computer-readable storage medium storing computer program execution instructions, and when the computer execution instructions are executed by a processor, they are used to implement the method described in any one of the foregoing embodiments of the present application.

[0159] The embodiments of the present application further provide a chip for running instructions, and the chip is used to execute the method described in any one of the foregoing embodiments executed by an electronic device in any one of the foregoing embodiments of the present application.

[0160] The embodiments of the present application further provide a computer program product, and the program product includes a computer program, and when the computer program is executed by a processor, it can implement the method described in any one of the foregoing embodiments executed by an electronic device in any one of the foregoing embodiments of the present application.

[0161] In several embodiments provided by the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the division of modules is only a logical function division. In actual implementation, there may be other division methods. For example, multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the displayed or discussed couplings or direct couplings or communication connections to each other can be through some interfaces. The indirect couplings or communication connections of devices or modules can be in electrical, mechanical or other forms.

[0162] The modules described as separate components may or may not be physically separated. The components shown as modules may or may not be physical units, that is, they can be located in one place, or they can be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to implement the solution of this embodiment.

[0163] In addition, in each embodiment of the present application, the various functional modules can be integrated in a processing unit, or each module can exist physically alone, or two or more modules can be integrated in one unit. The units formed by the above modules can be implemented in the form of hardware, or in the form of a combination of hardware and software functional units.

[0164] The above integrated modules implemented in the form of software functional modules can be stored in a computer-readable storage medium. The above software functional modules are stored in a storage medium, including several instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to execute some steps of the methods described in each embodiment of the present application.

[0165] It should be understood that the above processor can be a central processing unit (Central Processing Unit, abbreviated as CPU), and can also be other general-purpose processors, digital signal processors (Digital Signal Processor, abbreviated as DSP), application specific integrated circuits (Application Specific Integrated Circuit, abbreviated as ASIC), etc. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in combination with the application can be directly implemented by the execution of the hardware processor, or can be implemented by the combination of the hardware and software modules in the processor.

[0166] The memory may include high-speed random access memory (RAM), and may also include non-volatile memory (NVM), such as at least one disk memory, and may also be a USB flash drive, a portable hard drive, a read-only memory, a magnetic disk, or an optical disc, etc.

[0167] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the buses in the drawings of this application are not limited to only one bus or one type of bus.

[0168] The above storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, a magnetic disk, or an optical disc. The storage medium can be any available medium accessible by a general-purpose or special-purpose computer.

[0169] An exemplary storage medium is coupled to the processor, enabling the processor to read information from the storage medium and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the storage medium can also exist as discrete components in an electronic device or a master control device.

[0170] As described above, it is only the specific implementation manner of the embodiments of the present application. However, the protection scope of the embodiments of the present application is not limited thereto. Any changes or substitutions within the technical scope disclosed in the embodiments of the present application should be covered within the protection scope of the embodiments of the present application. Therefore, the protection scope of the embodiments of the present application shall be subject to the protection scope of the claims.

Claims

1. A credit granting processing method, characterized in that, The method includes: Obtaining the rules formulated by the regional administrator for the region and displaying the rules for the operation and maintenance personnel to review; in response to the operation of passing the review, storing the rules, where the rules are used to determine the type of evaluation data and the devices corresponding to the data of the type; Determining the type of evaluation data and the devices corresponding to the type according to the rules of the region where the user to be credited is located; Obtaining the evaluation data of the user from the corresponding devices, determining the credit rating of the user according to the evaluation data, and determining the credit granting method and / or credit limit of the user based on the credit rating; the credit granting method is an active granting mode or an application granting mode; Determining the credit granting method and / or credit limit corresponding to the user based on the credit rating includes: Judging whether the user belongs to an up-graded user or a down-graded user based on the size of the credit rating; If it is determined that the user is an up-graded user, obtaining the pre-determined credit granting method of the region; and searching for the corresponding credit limit in the pre-set look-up table based on the credit rating, and performing up-gradation processing based on the credit granting method; If it is determined that the user is a down-graded user, searching for the corresponding credit limit in the pre-set look-up table based on the credit rating, and performing down-gradation processing; Performing up-gradation processing based on the credit granting method includes: If the credit granting method is an active granting mode, adjusting the credit limit of the user to the found credit limit based on a pre-set condition, and sending a message reminder to the user; the message reminder includes the found credit limit, the credit granting duration, and the credit cancellation method; If the credit granting method is an application granting mode, sending an inquiry message to the user to inquire whether the user needs to adjust the credit limit to the found credit limit, and adjusting the credit limit of the user based on the information replied by the user; The active granting mode includes a batch active credit granting method and a low balance trigger credit granting method; adjusting the credit limit of the user to the found credit limit based on a pre-set condition includes: If the credit granting method is a batch active credit granting method, adjusting the credit limit of the user to the found credit limit according to a pre-set cycle; If the credit granting method is a low balance trigger credit granting method, obtaining the balance information of the user, and when it is determined that the balance information of the user is greater than a pre-set threshold, adjusting the credit limit of the user to the found credit limit.

2. The method according to claim 1, characterized in that, There is at least one type of evaluation data corresponding to the user; determining the credit rating of the user according to the evaluation data, and determining the credit granting method and / or credit limit of the user based on the credit rating includes: Calculating the sum of the products of the evaluation data and their respective proportionality coefficients to obtain the user score of the user; Searching for the corresponding credit rating in the pre-set look-up table based on the user score, and determining the credit granting method and / or credit limit corresponding to the user based on the credit rating.

3. The method according to claim 1, characterized in that, Determining the credit granting method and / or credit limit of the user according to the evaluation data includes: Determining the credit granting method and / or credit limit of the user according to the user credit information and the evaluation data.

4. A credit granting processing device, characterized in that, The device includes: A display module is used to obtain the rules formulated by the regional administrator for the region and display the rules for review by the operation and maintenance personnel; in response to the operation of passing the review, the rules are stored, and the rules are used to determine the type of evaluation data and the device corresponding to the data of the type; A determination module, used to determine the type of evaluation data and the device corresponding to the type according to the rules of the area where the user to be granted credit is located; a processing module, configured to obtain the evaluation data of the user from the corresponding device, determine the credit rating of the user according to the evaluation data, and determine the credit granting method and / or credit limit of the user based on the credit rating, wherein the credit granting method is an active granting mode or an application granting mode, wherein the active granting mode includes a batch active credit granting mode and a low balance triggered credit granting mode; The processing module is specifically used to determine whether the user is an upgrade user or a downgrade user based on the size of the credit rating; if the user is determined to be an upgrade user, obtain the credit method predetermined in the area; and search for the corresponding credit limit in a preset lookup table based on the credit rating, and perform an upgrade process based on the credit method; if the user is determined to be a downgrade user, search for the corresponding credit limit in a preset lookup table based on the credit rating, and perform a downgrade process; The processing module is further specifically used for, if the credit granting mode is an active granting mode, adjusting the credit limit of the user to the found credit limit based on a preset condition, and sending a message reminder to the user; the message reminder includes the found credit limit, credit duration, and credit cancellation method; if the credit granting mode is an application granting mode, sending an inquiry message to the user to inquire whether the user needs to adjust the credit limit to the found credit limit, and adjusting the credit limit of the user based on the information replied by the user; The processing module is also specifically used to adjust the user's credit limit to the found credit limit according to a preset period if the credit granting method is a batch active credit granting method; if the credit granting method is a low balance triggered credit granting method, obtain the user's balance information, and when it is determined that the user's balance information is greater than a preset threshold, adjust the user's credit limit to the found credit limit.

5. An electronic device, characterized in that, include: A processor, a memory and a computer program; wherein the computer program is stored in the memory and is configured to be executed by the processor, and the computer program includes instructions for executing the credit processing method as described in any one of claims 1-3.

6. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the credit processing method according to any one of claims 1 to 3.

7. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, the credit processing method as described in any one of claims 1 to 3 is implemented.

Images