A credit processing method based on multi-factor dynamic adjustment

CN117808577BActive Publication Date: 2025-04-15HANGYIN CONSUMER FINANCE CO LTD
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Patent Information

Application Number
CN202410232671.4
Authority / Receiving Office
CN · China
Patent Type
Patents(China)
Current Assignee / Owner
Filing Date
2024-03-01
Publication Date
2025-04-15
Estimated Expiration
2044-03-01

AI Technical Summary

Technical Problem

Existing customer revenue data relies on the user's own settings, making it difficult for its credibility to meet the requirements, which in turn affects the accuracy of credit processing and risk control.

Method used

By determining the correlation between credit application information and income information, and combining the information similarity and income information distribution of similar users, the credit processing process is dynamically adjusted to improve the credibility of income information.

Benefits of technology

It has achieved the credibility of income information of credit applicants from multiple angles, and improved the accuracy of credit line assessment and the effectiveness of risk control.

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Abstract

The present invention provides a credit processing method based on multi-factor dynamic adjustment, which belongs to the field of credit management technology, and specifically includes: determining the correlation between different information items of credit application information and income information, and determining information similarity and similar users in combination with different information items of the credit application user and similar situations of other credit application users, determining different types of credit limit adjustment factors through the analysis results of the credit application information, and determining the credit limit of the credit application user in combination with the credibility of the income information and the income information, thereby further reducing the processing risk of the credit application.
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Citation Information

Patent Citations

  • Credit limit management system, methods and readable storage media

    CN112651826B

  • Multi-influence-factor small and micro enterprise credit line decision-making method and device

    CN112766734A

  • User credit line determination method and related device

    CN113240513A