A method for collecting authorized information and related products

Abstract

The present application provides a method for collecting authorized obtainable information and related products, wherein the implementation of the method includes: receiving loan application information from a target user, the loan application information includes authorized obtainable information; matching the authorized obtainable information with each information template in a plurality of information templates to obtain information matching results; if the information matching result is a match failure, analyzing the information matching result, determining to supplement the authorized obtainable information to obtain updated authorized obtainable information; matching the updated authorized obtainable information with each information template to obtain a new information matching result; if the new information matching result is a match success, performing a loan risk assessment on the target user based on the updated authorized obtainable information. The method of the embodiment of the present application is adopted to form a standardized process for the collection process corresponding to the authorized obtainable information in the loan application information.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method for collecting authorized information and related products. Background Art

[0002] With the rapid development of social economy and the continuous improvement of productivity, market operations are becoming increasingly active. In order to promote further economic development and meet the capital needs of various business entities in the market to expand productivity, the number of loan guarantees subject to repayment and interest payment has also shown explosive growth.

[0003] Since the approval of loan application information is a crucial decision-making node in the loan business process, the collection of loan application information before loan approval is also particularly important. At present, there are a large number of financial institutions in the market, and the types of loan business are increasing. Correspondingly, the workflow of loan application information collection is also different. At the same time, if there is no unified work standard for loan application information collection, it will be detrimental to the loan risk control of financial institutions and the privacy information security of loan users. Summary of the invention

[0004] The embodiments of the present application provide a method for collecting authorized information and related products. By implementing the embodiments of the present application, the collection process corresponding to the authorized information in the loan application information forms a standardized process.

[0005] In a first aspect, an embodiment of the present application provides a method for collecting authorized obtainable information, the method comprising:

[0006] Receiving loan application information from a target user, the loan application information including authorized access information;

[0007] Matching the authorized obtainable information with each of the multiple information templates to obtain information matching results between the authorized obtainable information and each information template, wherein the information template includes multiple evaluation information for evaluating the loan risk of the user;

[0008] If the information matching result is that the authorized obtainable information fails to match each information template, the information matching result is analyzed to determine the supplementary authorized obtainable information;

[0009] Receiving supplementary authorized obtainable information from the target user, and obtaining updated authorized obtainable information according to the supplementary authorized obtainable information;

[0010] Match the updated authorized obtainable information with each information template respectively to obtain a new information matching result;

[0011] If the new information matching result is that the updated authorized obtainable information successfully matches any information template, a loan risk assessment is performed on the target user based on the updated authorized obtainable information.

[0012] In a second aspect, an embodiment of the present application provides an authorized obtainable information collection device, the device comprising:

[0013] A receiving unit, configured to receive loan application information from a target user, wherein the loan application information includes authorization-available information;

[0014] A first matching unit, used to match the authorized obtainable information with each information template in a plurality of information templates respectively, to obtain an information matching result between the authorized obtainable information and each information template, wherein the information template includes a plurality of evaluation information for evaluating the loan risk of the user;

[0015] an analyzing unit, configured to analyze the information matching result and determine supplementary authorized obtainable information if the information matching result is that the authorized obtainable information fails to match each information template;

[0016] An updating unit, configured to receive the supplementary authorized obtainable information from the target user, and obtain updated authorized obtainable information according to the supplementary authorized obtainable information;

[0017] A second matching unit is used to match the updated authorized obtainable information with each information template respectively to obtain a new information matching result;

[0018] The evaluation unit is used to perform a loan risk evaluation on the target user based on the authorized obtainable information if the information matching result is that the authorized obtainable information successfully matches any information template.

[0019] In a third aspect, an embodiment of the present application provides an electronic device, comprising a processor, a memory, and computer execution instructions stored in the memory and executable on the processor, wherein when the computer execution instructions are executed, the electronic device executes part or all of the steps described in any method of the first aspect of the embodiment of the present application.

[0020] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer instructions are stored. When the computer instructions are executed on a communication device, the communication device executes part or all of the steps described in any method of the first aspect of the embodiment of the present application.

[0021] In a fifth aspect, an embodiment of the present application provides a computer program product, wherein the computer program product includes a computer program, and the computer program is operable to cause a computer to execute some or all of the steps described in any method of the first aspect of the embodiment of the present application. The computer program product can be a software installation package.

[0022] It can be seen that in the embodiment of the present application, the loan application information from the target user is received, and the loan application information includes authorized obtainable information; the authorized obtainable information is matched with each information template in multiple information templates respectively, and the information matching result between the authorized obtainable information and each information template is obtained, and the information template includes multiple evaluation information for evaluating the user's loan risk; if the information matching result is that the authorized obtainable information fails to match each information template, the information matching result is analyzed to determine the supplementary authorized obtainable information; the supplementary authorized obtainable information from the target user is received, and the updated authorized obtainable information is obtained according to the supplementary authorized obtainable information; the updated authorized obtainable information is matched with each information template respectively to obtain a new information matching result; if the new information matching result is that the updated authorized obtainable information successfully matches any information template, the target user is evaluated for loan risk based on the updated authorized obtainable information. The method of the embodiment of the present application is adopted, so that the collection process corresponding to the authorized obtainable information in the loan application information forms a standardized process, which improves the efficiency of the information collection process and ensures the privacy information security of the loan user. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0024] Figure 1 This is an example schematic diagram of a loan application information collection system;

[0025] Figure 2 It is a flowchart of a method for collecting authorized obtainable information provided in an embodiment of the present application;

[0026] Figure 3 This is an example schematic diagram of an information template provided in an embodiment of the present application;

[0027] Figure 4 This is an example schematic diagram of a method for collecting authorized obtainable information provided in an embodiment of the present application;

[0028] Figure 5This is an example schematic diagram of a method for collecting authorized obtainable information provided in an embodiment of the present application;

[0029] Figure 6 This is an example schematic diagram of a method for collecting authorized obtainable information provided in an embodiment of the present application;

[0030] Figure 7 It is a structural diagram of an authorized information acquisition device provided in an embodiment of the present application;

[0031] Figure 8 It is a schematic diagram of the server structure of the hardware operating environment of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0032] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0033] The terms "first", "second", etc. in the specification and claims of this application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps is not limited to the listed steps, but optionally includes steps that are not listed, or optionally includes other steps inherent to these processes, methods, products or devices.

[0034] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0035] The application scenarios involved in the embodiments of the present application are introduced below with reference to the accompanying drawings.

[0036] Figure 1 This is an example diagram of a loan application information collection system. Figure 1 As shown, the first end of the system is connected to the user terminal, and the second end is connected to the financial institution terminal.

[0037] The user terminal refers to a role that has a loan demand and, after receiving an information template from a loan application information collection system, submits its own loan application information to a financial institution terminal according to the information template. The information template includes multiple evaluation information for evaluating the user's loan risk.

[0038] Among them, the loan application information collection system is used to send information templates to user terminals, receive loan application information from user terminals, and send loan application information to financial institution terminals;

[0039] Among them, the financial institution terminal refers to the role that receives the loan application information from the user terminal from the loan application information collection system and conducts loan risk assessment on the user based on the loan application information.

[0040] It can be seen that in the process of collecting loan application information by the above system, since there is only one information template including multiple evaluation information, the loan application information collection system only requires that the collected user information must fully cover the information template, or the more user information collected, the better. It can be seen that the above process cannot reduce the workload of users submitting loan application information and financial institutions collecting loan approval information.

[0041] Based on this, the present application embodiment provides a method for collecting authorized information. Figure 2 , Figure 2 is a flowchart of a method for collecting authorized information provided in an embodiment of the present application, such as Figure 2 As shown, the method comprises the following steps:

[0042] 101: Receive loan application information from a target user, where the loan application information includes authorization-accessible information.

[0043] Among them, the target users can be individuals, enterprises, individual businesses or other forms of business entities.

[0044] Among them, authorized information refers to information that the target user authorizes and agrees to be obtained by the financial institution.

[0045] Before receiving the target user's authorized information, the target user's authorization operation is required. The authorization operation is used to indicate that the target user agrees that the contracted financial institution will obtain its authorized information for processing loan business. In specific implementation, the target user and the financial institution may sign an authorization agreement to agree on the collection scope of the authorized information, and in actual collection, the financial institution will strictly follow the provisions of relevant laws and regulations such as the "Data Security Law" and the "Cybersecurity Law", strictly restrict the collection scope, and not involve the collection of prohibited information.

[0046] For example, when the target user is an individual, the authorized information to be obtained may be a personal credit report; when the target user is an enterprise, the authorized information to be obtained may be an enterprise invoice; when the target user is an individual business owner, the authorized information to be obtained may be an administrative violation record.

[0047] Among them, loan application information, in addition to information that can be obtained with authorization, can also include public information that can be obtained without authorization, such as public execution information in judicial data, lists of dishonest defaulters, and other public information.

[0048] 102: Match the authorized obtainable information with each information template in the multiple information templates respectively to obtain information matching results between the authorized obtainable information and each information template, where the information template includes multiple evaluation information for evaluating the user's loan risk.

[0049] The authorized obtainable information is matched with each information template in the multiple information templates respectively. In a specific implementation, it is determined whether the authorized obtainable information has missing information for each information template.

[0050] For example, see Figure 3 , Figure 3 is an example schematic diagram of an information template provided in an embodiment of the present application, such as Figure 3 As shown, there is an information target applicable to the corporate entity type. The information template includes information modules such as income tax information, intellectual property information, etc. The information module of income tax information includes information groups such as R&D expense information, period expense information, etc. The information group of R&D expense information includes evaluation information 1 (which can be internal R&D expense input information) and evaluation information 2 (which can be external R&D expense input information). The information group of period expense information includes evaluation information 3 (which can be research expenses), evaluation information 4 (technology transfer fees), evaluation information 5 (which can be asset depreciation and amortization expenses)... and so on. The information module of intellectual property information includes information groups such as patent information, trademark information, copyright information, etc. The information group of patent information includes evaluation information 6 (which can be the number of patents applied for), evaluation information 7 (which can be the number of patents acquired)... and so on.

[0051] It should be noted that if Figure 3 The information template shown is only an example of an information template. In a specific application, the information template may also exist in the form of information modules of other contents or other styles, which is not limited here.

[0052] In a specific implementation, the authorized accessible information is matched with each information template in a plurality of information templates respectively, and each information template can be made to read the content corresponding to the title of the evaluation information in the authorized accessible information according to the title of each evaluation information in the plurality of evaluation information included in itself to achieve the matching between the information. For example, the information template includes the evaluation information "R&D expenses", and the information template searches the authorized accessible information according to the title of the evaluation information "R&D expenses", and finds that the "R&D expenses" in the authorized accessible information is 5,000,000 yuan, then reads the information content of 5,000,000 yuan into the evaluation information "R&D expenses" in the information template, and thus determines that the evaluation information "R&D expenses" in the authorized accessible information matches the information template successfully.

[0053] 103: If the information matching result is that the authorized obtainable information fails to match each information template, the information matching result is analyzed to determine supplementary authorized obtainable information.

[0054] The authorized obtainable information fails to match each information template, that is, for each information template, the obtained authorized obtainable information is incomplete, and the target user needs to provide supplementary information.

[0055] Among them, supplementary authorized obtainable information means that in order to successfully match the authorized obtainable information with any information template, the target user is required to provide supplementary information; in a specific implementation, the supplementary authorized obtainable information can be determined based on the information template with the least amount of missing information, or can be determined based on the missing information content of each information template.

[0056] 104: Receive supplementary authorized obtainable information from the target user, and obtain updated authorized obtainable information according to the supplementary authorized obtainable information.

[0057] The updated authorized obtainable information is obtained by concatenating the authorized obtainable information with the supplementary authorized obtainable information.

[0058] 105: Match the updated authorized obtainable information with each information template respectively to obtain a new information matching result.

[0059] The updated authorized obtainable information is matched with each information template respectively. In a specific implementation, it is determined whether the updated authorized obtainable information still has missing information for each information template.

[0060] 106: If the new information matching result is that the updated authorized obtainable information successfully matches any information template, a loan risk assessment is performed on the target user based on the updated authorized obtainable information.

[0061] For example, a method for collecting authorized information provided in an embodiment of the present application is applied to a server of a financial institution. Figure 4 , Figure 4 is an example schematic diagram of a method for collecting authorized information provided in an embodiment of the present application, such as Figure 4 As shown, the target user has a loan demand, so he fills in the loan application information on the target user terminal ①, and the target user terminal ② submits the loan application information to the financial institution server. After receiving the loan application information of the target user, the financial institution server matches the authorized obtainable information (including evaluation information 1-8) with each of the multiple information templates stored in the financial institution server, and obtains the information matching result between the authorized obtainable information and each information template. After matching, the information matching result obtained by the financial institution server is that the authorized obtainable information fails to match each information template, then the information matching result is analyzed, and it is determined that evaluation information 9 and evaluation information 10 are required to make the authorized obtainable information match a certain information template successfully, that is, the supplementary authorized obtainable information is evaluation information 9 and evaluation information 10. The financial institution server sends an information supplement notification to the target user ③, so that the target user fills in the supplementary authorized obtainable information on the target user terminal ④, and uses the target user terminal to submit the supplementary authorized obtainable information including evaluation information 9 and evaluation information 10 to the financial institution server ⑤. The financial institution server splices the authorized obtainable information and the supplementary authorized obtainable information to obtain updated authorized obtainable information (including evaluation information 1-10), and matches the updated authorized obtainable information with each information template again to obtain a new information matching result. When the new information matching result is that the updated authorized obtainable information successfully matches a certain information template, the financial institution server performs a loan risk assessment on the target user corresponding to the target user terminal based on the updated authorized obtainable information. After completing the loan risk assessment, the financial institution server ⑥ outputs the loan risk assessment result to the financial institution personnel terminal. After receiving the loan risk assessment result from the financial institution personnel terminal ⑦, the financial institution personnel decide whether to grant a loan to the target user based on the loan risk assessment result ⑧.

[0062] It can be seen that in the embodiment of the present application, the loan application information from the target user is received, and the loan application information includes authorized obtainable information; the authorized obtainable information is matched with each information template in multiple information templates respectively, and the information matching result between the authorized obtainable information and each information template is obtained, and the information template includes multiple evaluation information for evaluating the user's loan risk; if the information matching result is that the authorized obtainable information fails to match each information template, the information matching result is analyzed to determine the supplementary authorized obtainable information; the supplementary authorized obtainable information from the target user is received, and the updated authorized obtainable information is obtained according to the supplementary authorized obtainable information; the updated authorized obtainable information is matched with each information template respectively to obtain a new information matching result; if the new information matching result is that the updated authorized obtainable information successfully matches any information template, the target user is evaluated for loan risk based on the updated authorized obtainable information. The method of the embodiment of the present application is adopted, so that the collection process corresponding to the authorized obtainable information in the loan application information forms a standardized process, which improves the efficiency of the information collection process and ensures the privacy information security of the loan user.

[0063] In a possible example, the above analysis of the information matching results determines that the supplementary authorization can obtain information, including:

[0064] Determine, according to the information matching result, at least one missing information corresponding to each information template, where the missing information is information that needs to be obtained in order for the information matching result to successfully match the information template;

[0065] According to at least one missing information corresponding to each information template, a plurality of missing information groups are obtained, wherein each missing information group in the plurality of missing information groups corresponds to each information template in a one-to-one manner;

[0066] Determine a target missing information group, where the target missing information group is the missing information group that contains the least number of missing information items among the multiple missing information groups;

[0067] At least one missing information included in the target missing information group is determined to be supplementary authorized retrievable information.

[0068] Exemplarily, information template 1 includes evaluation information 1-5, information template 2 includes evaluation information 6-10, and the updated authorized accessible information includes evaluation information 3-7. According to the information matching result between the updated authorized accessible information and information template 1-2, it can be determined that missing information group 1 corresponding to information template 1 contains evaluation information 1-2, and missing information group 2 corresponding to information template 2 contains evaluation information 8-10. It can be seen that the number of missing information items in missing information group 1 is 2, and the number of missing information items in missing information group 2 is 3. Obviously, the missing information group 1 contains the least number of missing information items among the two missing information groups. Therefore, missing information group 1 is determined to be the target missing information group, and the evaluation information 1-2 included in missing information group 1 is determined to be the supplementary authorized accessible information.

[0069] It can be seen that in the embodiment of the present application, when analyzing the information matching results and determining the supplementary authorized obtainable information, at least one missing information corresponding to each information template is determined based on the information matching results, and multiple missing information groups are obtained, and then the missing information group containing the least number of missing information is determined as the target missing information group, and finally at least one missing information included in the target missing information group is determined as the supplementary authorized obtainable information. Therefore, when the authorized obtainable information fails to match each information template, the target user only needs to provide the supplementary authorized obtainable information with the minimum amount of information, which reduces the difficulty of the target user in providing the authorized obtainable information and is also conducive to protecting the privacy information security of the target user.

[0070] In a possible example, the above analysis of the information matching results determines that the supplementary authorization can obtain information, including:

[0071] Determine, according to the information matching result, at least one missing information corresponding to each information template, where the missing information is information that needs to be obtained in order for the information matching result to successfully match the information template;

[0072] According to at least one missing information corresponding to each information template, a plurality of missing information groups are obtained, wherein each missing information group in the plurality of missing information groups corresponds to each information template in a one-to-one manner;

[0073] Sending multiple missing information groups to a target user, and determining a target missing information group that the target user is willing to supplement;

[0074] At least one missing information included in the target missing information group is determined to be supplementary authorized retrievable information.

[0075] Exemplarily, based on the above exemplary embodiments, missing information group 1 corresponding to information template 1 contains evaluation information 1-2, and missing information group 2 corresponding to information template 2 contains evaluation information 8-10. Both missing information group 1 and missing information group 2 are sent to the target user, and the target user chooses the missing information he is willing to supplement according to his own situation. If it is determined that the target missing information group that the target user is willing to supplement is missing information group 1, then the evaluation information 1-2 included in missing information group 1 is determined as supplementary authorized information.

[0076] It can be seen that in the embodiment of the present application, when analyzing the information matching results and determining the supplementary authorized obtainable information, at least one missing information corresponding to each information template is determined based on the information matching results, and multiple missing information groups are obtained. After sending the multiple missing information groups to the target user, the missing information group that the target user is willing to supplement is determined as the target missing information group, and finally at least one missing information included in the target missing information group is determined as the supplementary authorized obtainable information. Therefore, when the authorized obtainable information fails to match each information template, the target user can choose a group of information that he is willing or able to supplement, which makes it more convenient for the target user to provide the authorized obtainable information, and also improves the efficiency and executability of the information collection work.

[0077] In a possible example, the method further includes:

[0078] Determine the subject type of the target user, which includes individual subject type, enterprise subject type, and individual business subject type;

[0079] If the subject type is an individual subject type, multiple information templates are generated based on the individual credit assessment information;

[0080] If the subject type is an enterprise subject type, multiple information templates are generated based on the enterprise credit assessment information;

[0081] If the subject type is a self-employed business entity type, multiple information templates are generated based on the self-employed business credit assessment information.

[0082] Among them, personal credit assessment information may include personal credit reports, personal salary statements, personal car and house conditions and other credit assessment information related to the individual.

[0083] Among them, enterprise credit assessment information may include enterprise credit reports, enterprise invoice data information, enterprise intellectual property data and other credit assessment information related to the enterprise.

[0084] Among them, the credit assessment information of individual industrial and commercial households may include intellectual property data, equipment data information and other credit assessment information related to the individual households.

[0085] It can be seen that in the embodiment of the present application, by determining the subject type of the target user, and then generating multiple information templates based on the credit assessment information corresponding to the subject type, even when facing different loan subject types, it is possible to collect information that can be authorized to be obtained in different ranges in a targeted manner according to different subject types, thereby successfully completing loan business for different loan subject types.

[0086] In a possible example, the method further includes:

[0087] Generate multiple information templates based on the loan amount submitted by the target user.

[0088] In specific implementations, usually, the higher the loan amount, the higher the loan risk, and the stricter the financial institution's approval of loan application information will be. Therefore, multiple information templates are generated based on the loan amount submitted by the target user. The higher the loan amount, the more evaluation information included in the information template, and vice versa.

[0089] In a specific implementation, multiple information templates can also be generated based on the loan amount submitted by the target user and the subject type of the target user. For example, if the loan amount is higher than the preset amount and the subject type is a corporate subject type, the generated information template will cover the corporate credit assessment information more comprehensively. In other words, corporate users who meet the above conditions need to provide more comprehensive credit assessment information.

[0090] For example, see Figure 5 , Figure 5 is an example schematic diagram of a method for collecting authorized information provided in an embodiment of the present application, such as Figure 5 As shown, assuming that the loan amount is divided into three loan amount levels according to the amount range, and loan amount levels 1-3 are obtained, and the user's subject type includes an individual subject type, an enterprise subject type, and an individual business owner subject type, then multiple information templates are generated, which can be, information template 1 is generated according to the individual subject type and loan amount level 1, information template 2 is generated according to the individual subject type and loan amount level 2, information template 3 is generated according to the individual subject type and loan amount level 3... information template 4 is generated according to the enterprise subject type and loan amount level 1, information template 5 is generated according to the individual business owner enterprise subject type and loan amount level 2... information template 9 is generated according to the individual business owner enterprise subject type and loan amount level 3, thereby completing the generation of different templates according to the user's subject type and loan amount, as shown in Table 1. Table 1 is the generation basis corresponding to each information template in the multiple information templates provided in the embodiment of the present application. As shown in Table 1, the multiple information templates generated by the method of the embodiment of the present application can adapt to loan businesses with different subject types and different loan amounts.

[0091]

[0092] Table 1

[0093] Based on the above exemplary embodiment, it is assumed that the larger the loan amount, the higher the corresponding loan amount level, that is, loan amount level 2 is higher than loan amount level 1. For information template 4 and information template 5, which are both applicable to the type of enterprise entity, since the loan amount level of information template 5 is higher than the loan amount level of information template 4, the evaluation information included in information template 5 will be more comprehensive or more rigorous than that of information template 4. In a specific implementation, the evaluation information included in information template 4 may be "the tax data of the enterprise in the past 1 year", while the evaluation information included in information template 5 may be "the tax data of the enterprise in the past 3 years"; or the evaluation information included in information template 4 may be "the sales invoice data of the enterprise", while the evaluation information included in information template 5 may be "the sales invoice data and purchase invoice data of the enterprise".

[0094] It can be seen that in the embodiment of the present application, multiple information templates are generated according to the loan amounts submitted by the target users, so that even when faced with loan amounts of different amounts, it is possible to collect information that can be authorized to be obtained in different ranges in a targeted manner according to different loan amounts, thereby successfully completing loan business with different loan amounts.

[0095] In a possible example, the method further includes:

[0096] Acquire multiple loan risk assessment models, where the multiple loan risk assessment models are used to assess the user's loan risk based on multiple assessment information included in multiple information templates, and the multiple loan risk assessment models correspond to the multiple information templates one by one;

[0097] Obtaining a linear regression equation corresponding to each loan risk assessment model, wherein the linear regression equation includes a plurality of regression coefficients and a plurality of assessment information, and the plurality of regression coefficients and the plurality of assessment information correspond one to one;

[0098] Determine the information importance level of each assessment information in the information template corresponding to each loan risk assessment model according to multiple regression coefficients, and the information importance level of the assessment information is positively correlated with the numerical value of the regression coefficient;

[0099] Grouping the evaluation information in the multiple information templates according to the information importance level of each evaluation information in the multiple information templates to obtain multiple level information groups, each level information group in the multiple level information groups includes at least two evaluation information of the same information importance level;

[0100] Determine a replaceable information group among the plurality of level information groups, wherein the correlation between at least two evaluation information of the same information importance level included in the replaceable information group is higher than a preset threshold;

[0101] Redetermine the information matching result based on the alternative information group.

[0102] In a possible example, the above-mentioned information matching result is a successful match including that the authorized obtainable information successfully matches all or part of the evaluation information in the information template;

[0103] The above-mentioned redetermining of the information matching result based on the replaceable information group includes:

[0104] If the authorized obtainable information successfully matches any of the evaluation information in the replaceable information group, it is determined that the authorized obtainable information successfully matches all of the evaluation information in the replaceable information group;

[0105] The information matching result is re-determined based on the successful matching of the authorized accessible information with all the evaluated information in the replaceable information group.

[0106] Among them, multiple loan risk assessment models are used to output the user's loan risk value according to the input multiple assessment information. In a specific implementation, since the multiple assessment information included in each of the multiple information templates is different, the multiple regression coefficients correspond to the multiple assessment information one by one.

[0107] Exemplarily, if the loan risk assessment model is used to output the user's loan risk value based on multiple input assessment information, and the number of regression coefficients and assessment information is N, then the specific implementation form of the linear regression equation corresponding to the loan risk assessment model can be: loan risk value = regression coefficient 1*assessment information 1+regression coefficient 2*assessment information 2...regression coefficient N*assessment information N.

[0108] Among them, the information importance level of each assessment information in the information template corresponding to each loan risk assessment model is determined according to multiple regression coefficients. In a specific implementation, the information importance level of each assessment information can be determined according to the numerical range of the size of each regression coefficient corresponding to each assessment information.

[0109] Exemplarily, assuming that the information importance levels include level one, level two and level three, the higher the level, the higher the information importance, and the numerical range of the regression coefficient is 0 to 1, then the information importance level of each assessment information in the information template corresponding to each loan risk assessment model is determined according to multiple regression coefficients. In a specific implementation, the information importance level of the assessment information with a corresponding regression coefficient of 0 to 0.33 can be determined as level one, the information importance level of the assessment information with a corresponding regression coefficient of 0.34 to 0.66 can be determined as level two, and the information importance level of the assessment information with a corresponding regression coefficient of 0.67 to 1 can be determined as level three, thereby completing the determination of the information importance level of each assessment information.

[0110] Among them, determining the replaceable information groups among multiple level information groups is, in a specific implementation, determined based on whether the correlation between the evaluation information of the same information importance level is higher than a preset threshold. Furthermore, analyzing the correlation between the evaluation information of the same information importance level can be achieved by evaluating the information relevance, information duplication or whether there is derivability between the information.

[0111] For example, the "period expense information" in the enterprise's income tax data includes research expenses, technology transfer fees, asset depreciation and amortization expenses, etc., while the "R&D expense information" in the enterprise's income tax data includes internal R&D expense input and external R&D expense input. It can be seen that both "period expense information" and "R&D expense information" include relevant information about R&D expenses. There is a certain degree of information duplication between "period expense information" and "R&D expense information". Therefore, it is determined that the correlation between the two is higher than the preset threshold, that is, "period expense information" and "R&D expense information" are determined as replaceable information groups. Therefore, when the target user's authorized accessible information includes "period expense information", it is determined that the authorized accessible information can also be successfully matched with the "R&D expense information".

[0112] In another exemplary embodiment, it is assumed that there are evaluation information A, evaluation information B and evaluation information C, wherein evaluation information A can be derived from evaluation information B and evaluation information C, that is, evaluation information A = evaluation information B + evaluation information C, therefore, it is determined that the correlation between "evaluation information A" and "evaluation information B and evaluation information C" is higher than the preset threshold, that is, "evaluation information A" and "evaluation information B and evaluation information C" are determined as replaceable information groups. Thus, when the authorized obtainable information of the target user includes "evaluation information A", it is determined that the authorized obtainable information can also be successfully matched with "evaluation information B and evaluation information C".

[0113] As another example, see Figure 6 , Figure 6is an example schematic diagram of a method for collecting authorized information provided in an embodiment of the present application, such as Figure 6 As shown, it is assumed that there are three information templates, namely information template 1, information template 2 and information template 3, wherein information template 1 includes evaluation information 1-3, namely three evaluation information, information template 2 includes evaluation information 4-6, namely three evaluation information, information template 3 includes evaluation information 7-9, namely three evaluation information, and the information importance levels of evaluation information 1, evaluation information 4 and evaluation information 7 are the same, and the replaceable information group includes evaluation information 1, evaluation information 4 and evaluation information 7 which are replaceable with each other. If the authorized accessible information in the target user's loan application information includes evaluation information 1, evaluation information 5 and evaluation information 6, it can be seen that the information matching result is that the authorized accessible information fails to match with information templates 1-3, and the authorized accessible information can be successfully matched with each other only if evaluation information 4 is missing for information template 2. At this time, since evaluation information 1 and evaluation information 4 are both in the replaceable information group, that is, evaluation information 1 and evaluation information 4 are replaceable with each other. Therefore, evaluation information 1 is used to replace evaluation information 4 in information template 2, and the information matching result is re-determined as the authorized accessible information including evaluation information 1, evaluation information 5 and evaluation information 6 successfully matches with information template 2.

[0114] It can be seen that in the embodiment of the present application, by determining the information importance level of each evaluation information to obtain multiple level information groups, and then determining the replaceable information groups in the multiple level information groups, when the authorized obtainable information successfully matches any evaluation information in the replaceable information group, it is determined that the authorized obtainable information successfully matches all the evaluation information in the replaceable information group, and finally the information matching result is re-determined according to the situation that the authorized obtainable information successfully matches all the evaluation information in the replaceable information group. Using the method of the embodiment of the present application, the replaceable information group is determined in the level information group of the same information importance level, so that the evaluation information with the same information importance level and a correlation higher than the preset threshold can replace each other for the information template, thereby making the matching between the authorized obtainable information and the information template more flexible, and also to a certain extent reducing the difficulty of the target user in providing the authorized obtainable information.

[0115] With the above Figure 2 For details on the embodiments shown in the drawings, please refer to Figure 7 , Figure 7 is a schematic diagram of the structure of an authorized information acquisition device provided in an embodiment of the present application, such as Figure 7 As shown:

[0116] An authorized information acquisition device, the device comprising:

[0117] 201: A receiving unit, configured to receive loan application information from a target user, wherein the loan application information includes authorized acquisition information.

[0118] 202: A first matching unit is used to match the authorized obtainable information with each information template in a plurality of information templates to obtain information matching results between the authorized obtainable information and each information template, wherein the information template includes a plurality of evaluation information for evaluating the loan risk of the user.

[0119] 203: An analyzing unit, configured to analyze the information matching result and determine supplementary authorized obtainable information if the information matching result is that the authorized obtainable information fails to match each information template.

[0120] 204: An updating unit, configured to receive the supplementary authorized obtainable information from the target user, and obtain updated authorized obtainable information according to the supplementary authorized obtainable information.

[0121] 205: A second matching unit is used to match the updated authorized obtainable information with each information template respectively to obtain a new information matching result.

[0122] 206: An evaluation unit, configured to perform a loan risk evaluation on the target user based on the updated authorized obtainable information if the new information matching result is that the updated authorized obtainable information successfully matches any information template.

[0123] It can be seen that in the device provided by the embodiment of the present application, the receiving unit receives the loan application information from the target user, and the loan application information includes the authorized obtainable information; the first matching unit matches the authorized obtainable information with each information template in the multiple information templates respectively, and obtains the information matching result between the authorized obtainable information and each information template, and the information template includes multiple evaluation information for evaluating the loan risk of the user; if the information matching result of the analysis unit is that the authorized obtainable information fails to match each information template, the information matching result is analyzed to determine the supplementary authorized obtainable information; the updating unit receives the supplementary authorized obtainable information from the target user, and obtains the updated authorized obtainable information according to the supplementary authorized obtainable information; the second matching unit matches the updated authorized obtainable information with each information template respectively, and obtains a new information matching result; if the new information matching result of the evaluation unit is that the updated authorized obtainable information successfully matches any information template, the target user is evaluated for loan risk based on the updated authorized obtainable information. The device of the embodiment of the present application is adopted, so that the collection process corresponding to the authorized obtainable information in the loan application information forms a standardized process, which improves the efficiency of the information collection process and ensures the privacy information security of the loan user.

[0124] Specifically, the embodiments of the present application can divide the authorized information acquisition device into functional units according to the above method examples. For example, each functional unit can be divided according to each function, or two or more functions can be integrated into one processing unit. The above integrated unit can be implemented in the form of hardware or in the form of software functional units. It should be noted that the division of units in the embodiments of the present application is schematic and is only a logical functional division. There may be other division methods in actual implementation.

[0125] With the above Figure 2 The embodiment shown is consistent with the embodiment shown in the figure. The embodiment of the present application provides an electronic device. Figure 8 , Figure 8 is a schematic diagram of a server structure of a hardware operating environment of an electronic device provided by an embodiment of the present application, such as Figure 8 As shown, the electronic device includes a processor, a memory, and computer-executable instructions stored in the memory and executable on the processor. When the computer-executable instructions are executed, the electronic device executes instructions including the steps of any authorized information acquisition method.

[0126] Among them, the processor is CPU (Central Processing Unit).

[0127] Among them, the memory, optionally, the memory can be a high-speed RAM memory, or a stable memory, such as a disk memory.

[0128] Those skilled in the art will understand that Figure 8 The structure of the server shown in the figure does not constitute a limitation thereof, and may include more or less components than shown in the figure, or combine certain components, or arrange the components differently.

[0129] like Figure 8As shown, the memory may include an operating system, a network communication module, and computer execution instructions that are authorized to obtain information collection methods. The operating system is used to manage and control server hardware and software resources and support the operation of computer execution instructions. The network communication module is used to realize communication between components inside the memory, as well as communication with other hardware and software inside the server. Communication can use any communication standard or protocol, including but not limited to GSM (Global System of Mobile communication), GPRS (General Packet Radio Service), CDMA2000 (Code Division Multiple Access 2000), WCDMA (Wideband Code Division Multiple Access), TD-SCDMA (Time Division-Synchronous Code Division Multiple Access), etc.

[0130] exist Figure 8 In the server shown, the processor is used to execute computer-executable instructions for personnel management stored in the memory to implement the following steps: receiving loan application information from a target user, the loan application information including authorized obtainable information; matching the authorized obtainable information with each information template in a plurality of information templates to obtain information matching results between the authorized obtainable information and each information template, the information template including a plurality of assessment information for assessing the user's loan risk; if the information matching result is that the authorized obtainable information fails to match each information template, analyzing the information matching result to determine supplementary authorized obtainable information; receiving supplementary authorized obtainable information from the target user, and obtaining updated authorized obtainable information based on the supplementary authorized obtainable information; matching the updated authorized obtainable information with each information template to obtain a new information matching result; if the new information matching result is that the updated authorized obtainable information successfully matches any information template, performing a loan risk assessment on the target user based on the updated authorized obtainable information.

[0131] The specific implementation of the server involved in this application can be found in the various embodiments of the above-mentioned authorization-obtainable information collection method, which will not be repeated here.

[0132] The embodiment of the present application provides a computer-readable storage medium, in which a computer instruction is stored. When the computer instruction is executed on a communication device, the communication device performs the following steps: receiving loan application information from a target user, the loan application information includes authorized obtainable information; matching the authorized obtainable information with each information template in a plurality of information templates to obtain information matching results between the authorized obtainable information and each information template, the information template including a plurality of evaluation information for evaluating the user's loan risk; if the information matching result is that the authorized obtainable information fails to match each information template, the information matching result is analyzed to determine supplementary authorized obtainable information; receiving supplementary authorized obtainable information from the target user, and obtaining updated authorized obtainable information according to the supplementary authorized obtainable information; matching the updated authorized obtainable information with each information template to obtain a new information matching result; if the new information matching result is that the updated authorized obtainable information successfully matches any information template, the target user is evaluated for loan risk based on the updated authorized obtainable information. The above-mentioned computer includes an electronic device.

[0133] Among them, electronic terminal devices include mobile phones, tablet computers, personal digital assistants, wearable devices, etc.

[0134] Among them, the computer-readable storage medium can be an internal storage unit of the electronic device described in the above embodiment, such as a hard disk or memory of the electronic device. The computer-readable storage medium can also be an external storage device of the above electronic device, such as a plug-in hard disk equipped on the electronic device, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. Further, the computer-readable storage medium can also include both an internal storage unit of the electronic device and an external storage device. The computer-readable storage medium is used to store computer-executable instructions and other computer-executable instructions and data required by the electronic device. The computer-readable storage medium can also be used to temporarily store data that has been output or is to be output.

[0135] The specific implementation of the computer-readable storage medium involved in this application can be found in the various embodiments of the authorized information collection method, which will not be described in detail here.

[0136] An embodiment of the present application provides a computer program product, wherein the computer program product includes a computer program, and the computer program can be operated to enable a computer to perform part or all of the steps of any one of the authorization methods recorded in the above method embodiments to obtain information collection. The computer program product can be a software installation package.

[0137] It should be noted that, for the sake of simplicity, for any of the embodiments of the aforementioned authorized information collection method, they are all expressed as a series of action combinations, but those skilled in the art should be aware that this application is not limited by the order of the actions described, because according to this application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all preferred embodiments, and the actions involved are not necessarily required by this application.

[0138] The embodiments of the present application are introduced in detail above. Specific examples are used in this article to illustrate the principles and implementation methods of the present application's authorized information collection method and related products. The description of the above embodiments is only used to help understand the method of the present application and its core idea. At the same time, for a general technician in this field, according to the idea of ​​the present application's authorized information collection method and related products, there will be changes in the specific implementation method and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

[0139] The present application is described with reference to the flowcharts and / or block diagrams of the methods, hardware products, and computer program products of the embodiments of the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of the processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0140] Although the present application is described herein in conjunction with various embodiments, in the process of implementing the claimed application, those skilled in the art may understand and implement other variations of the disclosed embodiments by viewing the drawings, the disclosure, and the appended claims. In the claims, the word "comprising" does not exclude other components or steps, and "a" or "one" does not exclude multiple situations. Certain measures are recorded in different dependent claims, but this does not mean that these measures cannot be combined to produce good results.

[0141] Obviously, those skilled in the art can make various changes and modifications to the authorized information acquisition method and related products provided by this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is also intended to include these modifications and variations.

Claims

1. A method for collecting authorized obtainable information, characterized in that: The method comprises: Receiving loan application information from a target user, wherein the loan application information includes authorization-to-obtain information; Matching the authorized obtainable information with each of a plurality of information templates respectively to obtain an information matching result between the authorized obtainable information and each of the information templates, wherein the information template includes a plurality of evaluation information for evaluating the loan risk of the user; If the information matching result is that the authorized obtainable information fails to match each of the information templates, the information matching result is analyzed to determine the supplementary authorized obtainable information, including: Determine, according to the information matching result, at least one missing information corresponding to each information template, where the missing information is information that needs to be obtained in order for the information matching result to successfully match the information template; According to the at least one missing information corresponding to each information template, a plurality of missing information groups are obtained, wherein each missing information group in the plurality of missing information groups corresponds to each information template in a one-to-one manner; Determine a target missing information group, where the target missing information group is the missing information group with the least number of missing information items among the multiple missing information groups, or send the multiple missing information groups to the target user, and determine a target missing information group that the target user is willing to supplement; Determining that at least one missing information included in the target missing information group is the supplementary authorized retrievable information; Receiving supplementary authorized obtainable information from the target user, and obtaining updated authorized obtainable information according to the supplementary authorized obtainable information; Matching the updated authorized obtainable information with each information template respectively to obtain a new information matching result; If the new information matching result is that the updated authorized obtainable information successfully matches any of the information templates, a loan risk assessment is performed on the target user based on the updated authorized obtainable information, including: obtaining multiple loan risk assessment models, the multiple loan risk assessment models are used to perform loan risk assessment on the user based on multiple assessment information included in the multiple information templates, and the multiple loan risk assessment models correspond to the multiple information templates one by one; The method further comprises: Obtaining a linear regression equation corresponding to each loan risk assessment model, wherein the linear regression equation includes a plurality of regression coefficients and the plurality of assessment information, and the plurality of regression coefficients and the plurality of assessment information correspond to each other in a one-to-one manner; Determining the information importance level of each assessment information in the information template corresponding to each loan risk assessment model according to the multiple regression coefficients, wherein the information importance level of the assessment information is positively correlated with the numerical value of the regression coefficient; Grouping the evaluation information in the multiple information templates according to the information importance level of each evaluation information in the multiple information templates to obtain multiple level information groups, each level information group in the multiple level information groups includes at least two evaluation information of the same information importance level; Determine a replaceable information group among the plurality of level information groups, wherein the correlation between the at least two evaluation information of the same information importance level included in the replaceable information group is higher than a preset threshold; The information matching result is re-determined according to the replaceable information group.

2. The method according to claim 1, characterized in that The method further comprises: Determine the subject type of the target user, the subject type includes individual subject type, enterprise subject type, and individual business subject type; If the subject type is the individual subject type, generating the multiple information templates according to the individual credit evaluation information; If the subject type is the enterprise subject type, generating the multiple information templates according to the enterprise credit evaluation information; If the subject type is the self-employed business entity type, the multiple information templates are generated according to the self-employed business credit assessment information.

3. The method according to claim 1 or 2, characterized in that: The method further comprises: The multiple information templates are generated according to the loan amounts submitted by the target users.

4. The method according to claim 1, characterized in that: The information matching result is a successful match, which includes a successful match between the authorized obtainable information and all or part of the evaluation information in the information template; The re-determining the information matching result according to the replaceable information group includes: If the authorized accessible information successfully matches any evaluation information in the alternative information group, it is determined that the authorized accessible information successfully matches all evaluation information in the alternative information group; the information matching result is re-determined based on the successful matching of the authorized accessible information with all evaluation information in the alternative information group.

5. An authorized information collection device, characterized in that: The device comprises: A receiving unit, configured to receive loan application information from a target user, wherein the loan application information includes authorization-available information; A first matching unit, configured to match the authorized obtainable information with each of a plurality of information templates to obtain an information matching result between the authorized obtainable information and each of the information templates, wherein the information templates include a plurality of evaluation information for evaluating the loan risk of the user; an analysis unit, for analyzing the information matching result and determining supplementary authorized obtainable information if the information matching result is that the authorized obtainable information fails to match each of the information templates, including: determining at least one missing information corresponding to each of the information templates according to the information matching result, wherein the missing information is information that needs to be obtained in order for the information matching result to successfully match the information template; obtaining multiple missing information groups according to the at least one missing information corresponding to each of the information templates, wherein each missing information group in the multiple missing information groups corresponds one-to-one to each of the information templates; determining a target missing information group, wherein the target missing information group is the missing information group containing the least number of missing information items among the multiple missing information groups, or sending the multiple missing information groups to the target user, and determining a target missing information group that the target user is willing to supplement; determining at least one missing information included in the target missing information group as the supplementary authorized obtainable information; an updating unit, configured to receive the supplementary authorized obtainable information from the target user, and obtain updated authorized obtainable information according to the supplementary authorized obtainable information; A second matching unit, used to match the updated authorized obtainable information with each of the information templates respectively to obtain a new information matching result; An evaluation unit, configured to, if the new information matching result is that the updated authorized obtainable information successfully matches any of the information templates, perform a loan risk evaluation on the target user based on the updated authorized obtainable information, including: obtaining a plurality of loan risk evaluation models, the plurality of loan risk evaluation models being used to perform a loan risk evaluation on the user based on a plurality of evaluation information included in the plurality of information templates, the plurality of loan risk evaluation models corresponding one-to-one to the plurality of information templates; The second matching unit is further used to: obtain a linear regression equation corresponding to each loan risk assessment model, wherein the linear regression equation includes a plurality of regression coefficients and the plurality of assessment information, and the plurality of regression coefficients and the plurality of assessment information correspond one to one; Determining the information importance level of each assessment information in the information template corresponding to each loan risk assessment model according to the multiple regression coefficients, wherein the information importance level of the assessment information is positively correlated with the numerical value of the regression coefficient; Grouping the evaluation information in the multiple information templates according to the information importance level of each evaluation information in the multiple information templates to obtain multiple level information groups, each level information group in the multiple level information groups includes at least two evaluation information of the same information importance level; Determine a replaceable information group among the plurality of level information groups, wherein the correlation between the at least two evaluation information of the same information importance level included in the replaceable information group is higher than a preset threshold; The information matching result is re-determined according to the replaceable information group.

6. An electronic device, characterized in that: The electronic device comprises a processor, a memory, and computer-executable instructions stored in the memory and executable on the processor. When the computer-executable instructions are executed, the electronic device executes the method according to any one of claims 1 to 4.

7. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and when the computer instructions are executed on the communication device, the communication device executes the method according to any one of claims 1 to 4.

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