A credit card approval method and apparatus
By acquiring users' online time and plan information, and combining this with credit information to create supplementary credit granting data, the problem of overly strict credit card approval has been solved, the application success rate has been improved, and the growth of new credit card users has been promoted.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- CHINA CONSTRUCTION BANK
- Filing Date
- 2022-12-30
- Publication Date
- 2026-07-31
AI Technical Summary
The current credit card approval process is too strict, making it difficult for new users to apply and thus inhibiting the growth of new credit card users.
By obtaining information on applicants' online time and service plans, and combining this with their credit information, supplementary credit granting data is created as a reference for credit card approval, thereby lowering the application threshold.
It increased the success rate of credit card applications and boosted the growth of new credit card users.
Smart Images
Figure CN116109398B_ABST
Abstract
Description
Technical Field
[0001] This application relates to the field of data processing technology, and in particular to a method and apparatus for approving credit cards. Background Technology
[0002] Currently, to avoid credit card defaults and protect banks' interests, credit card approval processes are often overly stringent, making it difficult for new users to apply for credit cards and hindering the growth of new credit card users. Therefore, how to promote the growth of new credit card users has become a pressing technical problem that needs to be solved. Summary of the Invention
[0003] In view of the above problems, the purpose of this invention is to provide a credit card approval method and apparatus, so as to avoid credit card bad debts while promoting the growth of new credit card users. The specific solution is as follows:
[0004] In a first aspect, embodiments of this application disclose a credit card approval method, the approval method comprising:
[0005] Obtain the applicant's credit information, identity information, telephone information, and the bound identity information corresponding to the telephone information;
[0006] If the identity information of the applicant user is the same as the bound identity information, then obtain the user's network duration information and user package information corresponding to the telephone information;
[0007] Auxiliary credit granting data is determined based on the user's online duration information and user package information;
[0008] Based on the auxiliary credit granting data and the credit information, determine whether to issue a credit card to the applicant.
[0009] Optionally, determining the auxiliary credit granting data based on the network duration information and package information includes:
[0010] Establish a correspondence between online duration information and the first auxiliary credit granting data;
[0011] Based on the user's online time information and the correspondence between the online time information and the first auxiliary credit data, determine the second auxiliary credit data corresponding to the user's online time information;
[0012] Establish a correspondence between the package information and the third auxiliary credit data;
[0013] Based on the correspondence between the package information and the third auxiliary credit data, and the user package information, determine the fourth auxiliary credit data corresponding to the user package information;
[0014] The auxiliary credit data is determined based on the second auxiliary credit data corresponding to the user's online time information and the fourth auxiliary credit data corresponding to the user's package information.
[0015] Optionally, establishing the correspondence between the online duration information and the first auxiliary credit granting data includes:
[0016] The online duration information is divided into multiple intervals based on the online duration, resulting in multiple online duration information tiers.
[0017] Establish the correspondence between each online duration information level and the first auxiliary credit data.
[0018] Optionally, establishing the correspondence between the package information and the third auxiliary credit data includes:
[0019] The package information is divided into multiple ranges based on the monthly fee, resulting in multiple package information tiers;
[0020] Establish the correspondence between each package information tier and the third auxiliary credit data.
[0021] Optionally, determining the auxiliary credit data based on the second auxiliary credit data corresponding to the user's network duration information and the fourth auxiliary credit data corresponding to the user's package information includes:
[0022] Establish a correspondence table between the second auxiliary credit granting data, the fourth auxiliary credit granting data, and the auxiliary credit granting data;
[0023] Based on the correspondence table, determine the auxiliary credit data results corresponding to the second auxiliary credit data and the fourth auxiliary credit data;
[0024] The auxiliary credit granting data result is used as the auxiliary credit granting data.
[0025] Secondly, embodiments of this application disclose a credit card approval device, the device comprising:
[0026] The information acquisition unit is used to acquire the applicant user's credit information, identity information, telephone information, and the bound identity information corresponding to the telephone information;
[0027] The judgment unit is used to obtain the user's online time information and user package information corresponding to the telephone information if the identity information of the applicant user is the same as the bound identity information.
[0028] The determining unit is used to determine auxiliary credit granting data based on the user's online time information and user package information;
[0029] The output unit is used to determine whether to issue a credit card to the applicant user based on the auxiliary credit granting data and the credit information.
[0030] Optionally, the determining unit is specifically used for:
[0031] Establish a correspondence between online duration information and the first auxiliary credit granting data;
[0032] Based on the user's online time information and the correspondence between the online time information and the first auxiliary credit data, determine the second auxiliary credit data corresponding to the user's online time information;
[0033] Establish a correspondence between the package information and the third auxiliary credit data;
[0034] Based on the correspondence between the package information and the third auxiliary credit data, and the user package information, determine the fourth auxiliary credit data corresponding to the user package information;
[0035] The auxiliary credit data is determined based on the second auxiliary credit data corresponding to the user's online time information and the fourth auxiliary credit data corresponding to the user's package information.
[0036] Optionally, the determining unit is specifically used for:
[0037] The online duration information is divided into multiple intervals based on the online duration, resulting in multiple online duration information tiers.
[0038] Establish the correspondence between each online duration information level and the first auxiliary credit data.
[0039] Optionally, the determining unit is specifically used for:
[0040] The package information is divided into multiple ranges based on the monthly fee, resulting in multiple package information tiers;
[0041] Establish the correspondence between each package information tier and the third auxiliary credit data.
[0042] Thirdly, embodiments of this application disclose a computer-readable storage medium storing a computer program thereon, wherein the computer program, when executed by a processor, implements any of the above-described credit card approval methods.
[0043] Compared with the prior art, this application has the following advantages:
[0044] By obtaining information on the applicant's online time and service plan, supplementary credit data is determined based on this information. Taking into account both supplementary credit data and the applicant's credit history, a decision is made on whether to issue a credit card to the applicant. This incorporates the applicant's phone information as one of the reference points for successful credit card application, avoiding reliance solely on credit information as the sole criterion. This approach lowers the application threshold for credit cards to some extent, increases the success rate, and promotes the growth of new credit card users. Attached Figure Description
[0045] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of this application. For those skilled in the art, other drawings can be obtained based on the provided drawings without creative effort.
[0046] Figure 1 A flowchart illustrating a credit card approval method provided in this application embodiment;
[0047] Figure 2 This is a schematic diagram of the structure of a credit card approval device provided in an embodiment of this application. Detailed Implementation
[0048] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.
[0049] The terms “first,” “second,” “third,” “fourth,” etc. (if present) in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a particular order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments described herein can be implemented in a sequence other than that illustrated or described herein. Furthermore, the terms “comprising” and “having,” and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.
[0050] like Figure 1As shown in the embodiment of this application, a credit card approval method is disclosed, which includes:
[0051] S101: Obtain the applicant's credit information, identity information, telephone information, and the bound identity information corresponding to the telephone information.
[0052] The system retrieves the applicant's identity and telephone information from the information form provided. Based on the telephone information, it queries the telecommunications operator to determine the associated identity information. Then, it queries the user's credit report based on the identity information and uses the data in the credit report as the user's credit information. The telephone information refers to the phone number, and the identity information can include the ID card number, name, age, etc.
[0053] It should be noted that the information form filled out by the applicant can be either a paper form or an electronic form. If the information form is electronic, it can be directly uploaded to the database after the information is verified to be correct. If the information form is paper, the information in the paper form can be uploaded to the database through text recognition or manual input after verification to be correct.
[0054] S102: If the applicant's identity information is the same as the bound identity information, then obtain the user's network duration information and user package information corresponding to the telephone information.
[0055] Determine whether the identity information of the applicant filled in the information form is the same as the bound identity information obtained from the telecom operator. If they are the same, further obtain the network duration information and user package information corresponding to the telephone information from the telecom operator.
[0056] If they do not match, the phone information is determined to be incorrect. The applicant is reminded to modify the phone information, and the judgment process is re-executed after modification.
[0057] S103: Determine auxiliary credit data based on user network duration information and user package information.
[0058] In one optional embodiment, auxiliary credit granting data is determined based on network duration information and package information, including:
[0059] Establish a correspondence between online duration information and primary auxiliary credit data;
[0060] Based on the user's online duration information and the correspondence between the online duration information and the first auxiliary credit data, the second auxiliary credit data corresponding to the user's online duration information is determined;
[0061] Establish a correspondence between package information and third-party auxiliary credit data;
[0062] Based on the correspondence between the package information and the third auxiliary credit data, as well as the user's package information, determine the fourth auxiliary credit data corresponding to the user's package information;
[0063] The auxiliary credit data is determined based on the second auxiliary credit data corresponding to the user's online duration information and the fourth auxiliary credit data corresponding to the user's package information.
[0064] By pre-establishing the correspondence between network duration information and the first auxiliary credit data, as well as the correspondence between package information and the second auxiliary credit data, the corresponding third and fourth auxiliary credit data can be determined based on the user's network duration information and package information.
[0065] To make it easier to understand, the following example is provided:
[0066] Within 3 months 0 3-6 months 1 6 months or more 2
[0067] Table 1
[0068] Table 1 shows the pre-established correspondence between online duration information and the first auxiliary credit data. When the user's online duration information is 3-6 months, the first auxiliary credit data is 1, and 1 is used as the second auxiliary credit data corresponding to the user's online duration information.
[0069] It should be noted that the first auxiliary credit data can be expressed in various forms according to actual needs, such as percentage, weight, specific value, etc., and the first auxiliary credit data can also be negative.
[0070] In another optional embodiment, auxiliary credit granting data is determined based on network duration information and package information, including:
[0071] Establish a time-to-time correspondence table between network duration information and fifth auxiliary credit data for each telecommunications operator;
[0072] Determine the user's telecommunications operator corresponding to the telephone information, and determine the sixth auxiliary credit data corresponding to the user's network duration information based on the time correspondence table corresponding to the user's telecommunications operator and the user's network duration information.
[0073] Establish a table showing the correspondence between package information and the sixth auxiliary credit data for each telecom operator;
[0074] Based on the package correspondence table with the user's telecom operator and the user's package information, determine the seventh auxiliary credit data corresponding to the user's package information;
[0075] The auxiliary credit data is determined based on the sixth and seventh auxiliary credit data.
[0076] By setting different correspondences between network duration information, package information and auxiliary credit data according to different operators, the auxiliary credit data can be made more suitable for the user situation of each telecom operator.
[0077] To make it easier to understand, the following example is provided:
[0078]
[0079] Table 2
[0080]
[0081] Table 3
[0082] As shown in Tables 2 and 3, Table 2 shows the correspondence between the network duration of telecom operator A and the fifth auxiliary credit data, and Table 3 shows the correspondence between the network duration of telecom operator B and the fifth auxiliary credit data. The interval division of network duration for different telecom operators and the corresponding fifth auxiliary credit data can be selected according to actual needs.
[0083] In one optional embodiment, establishing the correspondence between online duration information and first auxiliary credit granting data includes:
[0084] Based on the duration of online activity, the online activity information is divided into multiple intervals to obtain multiple online activity information tiers.
[0085] Establish the correspondence between each online duration information level and the first auxiliary credit data.
[0086] The network duration information will be divided into multiple intervals, with each interval serving as a network duration information level, and corresponding auxiliary credit data will be established for each network duration information level.
[0087] As shown in Table 1 above, the online duration information includes three levels: "within 3 months", "3-6 months" and "more than 6 months", and the corresponding auxiliary credit data are "0", "1" and "2" respectively.
[0088] It should be noted that, in addition to establishing the correspondence between network duration information and the first auxiliary credit data, this classification method can also be used to establish a duration correspondence table between network duration information and the fifth auxiliary credit data for each telecom operator.
[0089] In one optional embodiment, establishing the correspondence between package information and third-party auxiliary credit data includes:
[0090] The package information is divided into multiple ranges based on the monthly fee, resulting in multiple package information tiers;
[0091] Establish the correspondence between each package information tier and the third-party auxiliary credit data.
[0092] The monthly rental information of the package is divided into multiple intervals, each interval is a monthly rental information tier, and corresponding auxiliary credit data is established for each monthly rental information tier.
[0093] It should be noted that, in addition to establishing the correspondence between package information and third auxiliary credit data, this classification method can also be used to establish a package correspondence table between package information and sixth auxiliary credit data for each telecom operator.
[0094] In one optional embodiment, auxiliary credit data is determined based on second auxiliary credit data corresponding to the user's online duration information and fourth auxiliary credit data corresponding to the user's package information, including:
[0095] Establish a correspondence table between the second auxiliary credit data, the fourth auxiliary credit data, and the auxiliary credit data;
[0096] Based on the correspondence table, determine the auxiliary credit data results corresponding to the second and fourth auxiliary credit data;
[0097] Use the results of the auxiliary credit granting data as the auxiliary credit granting data.
[0098] By establishing a correspondence table between the second and fourth auxiliary credit data and the auxiliary credit data, the auxiliary credit data can be directly determined from the correspondence table after obtaining the second and fourth auxiliary credit data.
[0099] To make it easier to understand, the following example is provided:
[0100] 0 0 0 0 1 0 1 0 1 2 2 5 2 3 6
[0101] Table 4
[0102] Table 4 shows the correspondence between the second and fourth auxiliary credit data and the auxiliary credit data. When both the second and fourth auxiliary credit data are 0, the auxiliary credit data result is 0, and 0 is taken as the auxiliary credit data corresponding to the applicant. When both the second and fourth auxiliary credit data are 2, the corresponding auxiliary credit data result is 5.
[0103] It should be noted that the relationship between the second and fourth auxiliary credit data and the auxiliary credit data results can be set according to actual needs, such as filling in or adding them based on sample patterns. The above is only an example and is not a limitation on the relationship between the second and fourth auxiliary credit data and the auxiliary credit data results. Furthermore, this method can be applied to determine auxiliary credit data based on the sixth and seventh auxiliary credit data.
[0104] S104: Based on supplementary credit data and credit information, determine whether to issue a credit card to the applicant.
[0105] By obtaining auxiliary credit data and credit information, it is determined whether the applicant meets the conditions for credit card issuance. If so, the credit card is issued.
[0106] It should be noted that, based on supplementary credit data and credit information, determining whether an applicant meets the conditions for credit card issuance can be done in several ways. Specifically, the supplementary credit data and the corresponding credit information values can be added together, and the result can be checked against a preset value. If the sum is greater than the preset value, the credit card can be issued. Alternatively, the supplementary credit data can be used to determine the conditions that the credit information must meet, and the credit card can be issued if the credit information meets the corresponding conditions. For example, when the supplementary credit data is at its highest value, the credit information only needs to meet the medium-risk requirement to be eligible for credit card issuance.
[0107] In an optional embodiment, the above-described credit card approval method further includes:
[0108] When an applicant meets the conditions for credit card issuance, the user's package information and online duration information will be used as reference information for the credit card issuance limit. When the user's package reaches the preset limit increase value and / or the user's online duration reaches the preset limit increase duration, the credit card issuance limit for the applicant will be increased.
[0109] When a user's credit limit is lower than the preset reduction amount, and / or the user's online time is lower than the preset reduction amount, the credit limit of the applicant's credit card will be reduced to avoid credit card bad debts causing significant losses to the credit card issuer.
[0110] By obtaining information on the applicant's online time and service plan, supplementary credit data is determined based on this information. Taking into account both supplementary credit data and the applicant's credit history, a decision is made on whether to issue a credit card to the applicant. This incorporates the applicant's phone information as one of the reference points for successful credit card application, avoiding reliance solely on credit information as the sole criterion. This approach lowers the application threshold for credit cards to some extent, increases the success rate, and promotes the growth of new credit card users.
[0111] like Figure 2 As shown, in another embodiment, this application provides a credit card approval device, the device comprising:
[0112] The information acquisition unit 201 is used to acquire the applicant's credit information, identity information, telephone information, and the bound identity information corresponding to the telephone information;
[0113] The judgment unit 202 is used to obtain the user's network duration information and user package information corresponding to the telephone information if the applicant's identity information is the same as the bound identity information;
[0114] The determining unit 203 is used to determine auxiliary credit data based on the user's online duration information and user package information;
[0115] Output unit 204 is used to determine whether to issue a credit card to the applicant user based on auxiliary credit granting data and credit information.
[0116] In an optional embodiment, the determining unit 203 is specifically used for:
[0117] Establish a correspondence between online duration information and primary auxiliary credit data;
[0118] Based on the user's online duration information and the correspondence between the online duration information and the first auxiliary credit data, the second auxiliary credit data corresponding to the user's online duration information is determined;
[0119] Establish a correspondence between package information and third-party auxiliary credit data;
[0120] Based on the correspondence between the package information and the third auxiliary credit data, as well as the user's package information, determine the fourth auxiliary credit data corresponding to the user's package information;
[0121] The auxiliary credit data is determined based on the second auxiliary credit data corresponding to the user's online duration information and the fourth auxiliary credit data corresponding to the user's package information.
[0122] In an optional embodiment, the determining unit 203 is specifically used for:
[0123] Based on the duration of online activity, the online activity information is divided into multiple intervals to obtain multiple online activity information tiers.
[0124] Establish the correspondence between each online duration information level and the first auxiliary credit data.
[0125] In an optional embodiment, the determining unit 203 is specifically used for:
[0126] The package information is divided into multiple ranges based on the monthly fee, resulting in multiple package information tiers;
[0127] Establish the correspondence between each package information tier and the third-party auxiliary credit data.
[0128] By obtaining information on the applicant's online time and service plan, supplementary credit data is determined based on this information. Taking into account both supplementary credit data and the applicant's credit history, a decision is made on whether to issue a credit card to the applicant. This incorporates the applicant's phone information as one of the reference points for successful credit card application, avoiding reliance solely on credit information as the sole criterion. This approach lowers the application threshold for credit cards to some extent, increases the success rate, and promotes the growth of new credit card users.
[0129] In another alternative embodiment, this application provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements any of the above-described credit card approval methods.
[0130] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.
[0131] Those skilled in the art will further recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of the various examples have been generally described in terms of functionality in the foregoing description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementations should not be considered beyond the scope of this invention.
[0132] The technical content provided by the present invention has been described in detail above. Specific examples have been used to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only for the purpose of helping to understand the method and core ideas of the present invention. At the same time, for those skilled in the art, there will be changes in the specific implementation methods and application scope based on the ideas of the present invention. Therefore, the content of this specification should not be construed as a limitation of the present invention.
Claims
1. A method of approving a credit card, characterized by, The approval method, applied to a bank's approval system, includes: Obtain the applicant's credit information, identity information, and telephone information; The telecom operator is consulted based on the telephone information to determine the bound identity information corresponding to the telephone information; If the identity information of the applicant user is the same as the bound identity information, then obtain the user's network duration information and user package information corresponding to the telephone information from the telecommunications operator; Auxiliary credit granting data is determined based on the user's online duration information and user package information; Based on the auxiliary credit granting data and the credit information, determine whether to issue a credit card to the applicant; wherein, determining whether to issue a credit card to the applicant based on the auxiliary credit granting data and the credit information includes: adding the values corresponding to the auxiliary credit granting data and the credit information, determining whether the added value is greater than a preset value, and if it is greater than the preset value, then issuing a credit card to the applicant; When the applicant meets the credit card issuance conditions, the user's online time information and user plan information are used as reference information for the credit card issuance limit. When the user plan reaches the preset limit increase value and / or the user's online time reaches the preset limit increase duration, the credit card issuance limit of the applicant is increased; when the user plan is lower than the preset limit reduction value and / or the user's online time is lower than the preset limit reduction value, the credit card issuance limit of the applicant is reduced.
2. The approval method of claim 1, wherein, The step of determining auxiliary credit data based on the user's online time information and user plan information includes: Establish a correspondence between online duration information and primary auxiliary credit data; Based on the user's online time information and the correspondence between the online time information and the first auxiliary credit data, determine the second auxiliary credit data corresponding to the user's online time information; Establish a correspondence between package information and third-party auxiliary credit data; Based on the correspondence between the package information and the third auxiliary credit data, and the user package information, determine the fourth auxiliary credit data corresponding to the user package information; The auxiliary credit data is determined based on the second auxiliary credit data corresponding to the user's online time information and the fourth auxiliary credit data corresponding to the user's package information.
3. The approval method of claim 2, wherein, The establishment of the correspondence between the online duration information and the first auxiliary credit data includes: The online duration information is divided into multiple intervals based on the online duration, resulting in multiple online duration information tiers. Establish the correspondence between each online duration information level and the first auxiliary credit data.
4. The approval method according to claim 2, characterized in that, The establishment of the correspondence between package information and third-party auxiliary credit data includes: The package information is divided into multiple ranges based on the monthly fee, resulting in multiple package information tiers; Establish the correspondence between each package information tier and the third auxiliary credit data.
5. The approval method of claim 2, wherein, The step of determining the auxiliary credit data based on the second auxiliary credit data corresponding to the user's online duration information and the fourth auxiliary credit data corresponding to the user's package information includes: Establish a correspondence table between the second auxiliary credit granting data, the fourth auxiliary credit granting data, and the auxiliary credit granting data; Based on the correspondence table, determine the auxiliary credit data results corresponding to the second auxiliary credit data and the fourth auxiliary credit data; The auxiliary credit granting data result is used as the auxiliary credit granting data.
6. An approval device for a credit card, characterized by The device, used in a bank approval system, includes: The information acquisition unit is used to acquire the applicant's credit information, identity information, and telephone information; and to query the telecommunications operator based on the telephone information to determine the bound identity information corresponding to the telephone information. The judgment unit is used to obtain user network duration information and user package information corresponding to the telephone information from the telecommunications operator if the identity information of the applicant user is the same as the bound identity information. The determining unit is used to determine auxiliary credit granting data based on the user's online time information and user package information; The output unit is used to determine whether to issue a credit card to the applicant user based on the auxiliary credit granting data and the credit information. The output unit is specifically used to add the auxiliary credit granting data to the value corresponding to the credit information, determine whether the added value is greater than a preset value, and if it is greater than the preset value, issue a credit card to the applicant user. The credit limit management unit is used to, when the applicant meets the credit card issuance conditions, use the user's online time information and user package information as reference information for the credit card issuance limit. When the user package reaches a preset increase value and / or the user's online time reaches a preset increase duration, the credit card issuance limit of the applicant is increased; when the user package is lower than a preset decrease value and / or the user's online time is lower than a preset decrease value, the credit card issuance limit of the applicant is decreased.
7. The approval device of claim 6, wherein, The determining unit is specifically used for: Establish a correspondence between online duration information and primary auxiliary credit data; Based on the user's online time information and the correspondence between the online time information and the first auxiliary credit data, determine the second auxiliary credit data corresponding to the user's online time information; Establish a correspondence between package information and third-party auxiliary credit data; Based on the correspondence between the package information and the third auxiliary credit data, and the user package information, determine the fourth auxiliary credit data corresponding to the user package information; The auxiliary credit data is determined based on the second auxiliary credit data corresponding to the user's online time information and the fourth auxiliary credit data corresponding to the user's package information.
8. The approval device of claim 7, wherein, The determining unit is specifically used for: The online duration information is divided into multiple intervals based on the online duration, resulting in multiple online duration information tiers. Establish the correspondence between each online duration information level and the first auxiliary credit data.
9. The approval device of claim 7, wherein, The determining unit is specifically used for: The package information is divided into multiple ranges based on the monthly fee, resulting in multiple package information tiers; Establish the correspondence between each package information tier and the third auxiliary credit data.
10. A computer-readable storage medium, characterized in that, A computer program product, wherein the computer program product stores a computer program, and the computer program is executed by a processor to implement the credit card approval method according to any one of claims 1 to 5.