Intelligent management method for loan quota of user

Abstract

The invention relates to the technical field of loan quota management, and discloses a user loan quota intelligent management method, which comprises the steps of setting a loan mode I and a loan mode II, obtaining a loan request and credit information of a user, rating the user, generating loan quotas of the two modes according to the rating, and when the user confirms loan, sending the loan quotas to the loan mode II; the first mode is selected to execute a first monitoring and processing strategy; the second selection mode executes a second monitoring and processing strategy based on the consumption behavior model of the user; if the two modes are selected at the same time, executing the two monitoring strategies, and judging whether to execute a third processing strategy; by acquiring the historical consumption record of the user and establishing the consumption behavior habit model of the user, the consumption preference and behavior mode of the user can be known more accurately, which is beneficial to monitoring the consumption behavior of the user, finding the abnormal consumption condition in time, preventing the loan amount of the user from being stolen, and ensuring the fund security of the user.

Description

Technical Field

[0001] The present invention relates to the technical field of loan amount management, and in particular to a method for intelligent management of user loan amounts. Background Art

[0002] With the development of Internet finance, personal loan business has become an increasingly common financial service. Under the traditional lending model, the management of loan amounts mainly relies on offline processes, involving manual review and fixed evaluation standards. This method is inefficient and lacks flexibility, making it difficult to quickly respond to the diverse needs of users. At the same time, due to the limitations of information acquisition and processing, the traditional lending model also has shortcomings in risk control.

[0003] With the development of big data and artificial intelligence technology, intelligent management of loan limits has become an important direction in the field of financial technology. Intelligent management systems can obtain and analyze users' credit information, consumption behavior and other data in an automated manner, thereby providing users with more accurate and personalized loan limit assessments.

[0004] In the prior art, there are some intelligent management systems that can automatically obtain users' credit information and perform simple credit limit assessments based on users' basic information. However, general intelligent management systems fail to fully consider users' personalized needs, which makes some users unable to obtain loan limits that match their actual needs during the actual borrowing process, affecting the user experience. In addition, the existing systems generally do not monitor and respond to users' abnormal behaviors when using loan limits in real time, and lack an effective follow-up processing mechanism.

[0005] To this end, this plan aims to propose a method that can generate personalized loan amounts based on the user's personalized needs and combined with the user's asset situation, while real-time monitoring of the user's consumption when using the loan amount to ensure the user's financial security. Summary of the invention

[0006] The present invention provides a method for intelligently managing user loan amounts, which helps solve the problems mentioned in the above background technology.

[0007] The present invention provides the following technical solution: a method for intelligent management of user loan amount, comprising:

[0008] Set up borrowing mode 1 and borrowing mode 2;

[0009] Get the loan amount request issued by the user;

[0010] Obtain user credit information based on user loan limit request;

[0011] Rating users based on their credit information;

[0012] Obtain user ratings, and generate loan mode one and loan mode two quotas based on the user ratings and the loan quota request issued by the user;

[0013] When the user confirms to borrow money, the user's selection result is obtained;

[0014] If the user selects borrowing mode 1, the first monitoring strategy is executed;

[0015] Determining whether to execute the first processing strategy according to the result of the first monitoring strategy;

[0016] If the user chooses loan mode 2, the user's historical consumption records are obtained, and a consumption behavior habit model of the user is formed based on the user's personal identity information and historical consumption records;

[0017] Executing a second monitoring strategy according to the consumption behavior habit model of the user;

[0018] Determining whether to execute the second processing strategy according to the result of the second monitoring strategy;

[0019] If the user selects both borrowing mode 1 and borrowing mode 2, the first monitoring strategy and the second monitoring strategy are executed on the user at the same time;

[0020] According to the results of the first detection strategy and the second monitoring strategy, determine whether to execute the third processing strategy.

[0021] Optionally, the setting of borrowing mode 1 and borrowing mode 2 includes:

[0022] When borrowing money, to obtain the user's loan amount;

[0023] Generate a loan amount with a fixed purpose according to the purpose of the user's loan amount;

[0024] The loan amount with fixed purpose is used as loan mode 1;

[0025] When borrowing money, obtain the user's credit information;

[0026] Generate an unlimited loan amount based on user credit information;

[0027] The unused loan amount is used as loan mode 2;

[0028] The step of obtaining the loan amount request issued by the user includes:

[0029] Obtain user identity information;

[0030] Obtain the purpose of the user's loan amount;

[0031] Get the user's expected loan amount.

[0032] Optionally, obtaining user credit information according to the user's loan amount request includes:

[0033] Obtain user's personal credit record information;

[0034] The step of rating the user based on the user's credit information includes:

[0035] Users with no default information in their personal credit records, no loan records or who have repaid all loans are assessed as first-level users;

[0036] For users who have no default information in their personal credit records but have a loan record with unpaid loans, they will be assessed as Level 2 users;

[0037] Users with default information in their personal credit records will be assessed as level three users.

[0038] Optionally, obtaining the user rating and generating the loan amount of the first loan mode and the loan amount of the second loan mode according to the user rating and the loan amount request issued by the user includes:

[0039] Get the loan amount request issued by the user, recorded as the requested amount;

[0040] Obtain the amount that can be cashed out of all the user's personal assets, which is recorded as the asset amount;

[0041] For first-level users, the requested amount and the asset amount are compared. If the requested amount is less than or equal to the asset amount, three amounts are provided for the user to choose from:

[0042] The first is to generate a loan mode-amount equal to the asset amount;

[0043] The second is to generate a loan mode two amount equal to the requested amount;

[0044] The third type is a user-defined loan mode 1 quota and a loan mode 2 quota, where the sum of the loan mode 1 quota and the loan mode 2 quota is less than the asset amount;

[0045] If the requested amount is greater than the asset amount, two amounts are provided for the user to choose from:

[0046] The first is to generate a loan mode one amount equal to the requested amount;

[0047] The second is to generate a loan mode II amount equal to the asset amount;

[0048] For secondary users, obtain the amount of loans that the user has not yet repaid and record it as the amount to be repaid;

[0049] Calculate the asset amount minus the amount to be repaid and record the result as the current amount;

[0050] Compare the requested amount with the current amount. If the requested amount is less than or equal to the current amount, three amounts are provided for the user to choose from:

[0051] The first is to generate a loan mode one amount equal to the existing amount;

[0052] The second is to generate a loan mode two amount equal to the requested amount;

[0053] The third type is a user-defined loan mode 1 quota and a loan mode 2 quota, where the sum of the loan mode 1 quota and the loan mode 2 quota is less than the existing amount;

[0054] If the requested amount is greater than the existing amount, two amounts are provided for the user to choose from:

[0055] The first is to generate a loan mode one amount equal to the requested amount;

[0056] The second is to generate a loan mode II amount equal to the existing amount;

[0057] For level 3 users, loan amount requests are rejected.

[0058] Optionally, if the user selects borrowing mode 1, executing the first monitoring strategy includes:

[0059] S1. Obtain the fixed purpose when the user selects the borrowing mode, and record it as the confirmed purpose;

[0060] S2. When the user uses the first credit limit of the loan mode, obtain the user's consumption purpose;

[0061] S3, comparing the user's consumption purpose with the confirmed purpose;

[0062] S4. If the user's consumption purpose is consistent with the confirmed purpose, it is recorded as normal operation;

[0063] S5. If the user's consumption purpose does not match the confirmed purpose, it will be recorded as an abnormal operation.

[0064] Optionally, judging whether to execute the first processing strategy according to the result of the first monitoring strategy includes:

[0065] When the first monitoring strategy detects that the user is operating abnormally;

[0066] Temporarily freeze the user's loan mode 1 limit;

[0067] Prompt the user to apply for unfreezing the frozen loan mode 1 quota and upload the reason for incorrectly using the loan mode 1 quota;

[0068] Determine whether the reason for the incorrect use of the loan mode 1 credit limit uploaded by the user complies with the unfreezing regulations;

[0069] If the compound unfreezing regulations are met, the temporary frozen loan mode 1 amount will be unfrozen and the temporary freeze will be recorded;

[0070] When the number of temporary freezes reaches the upper limit, the amount of the user's loan mode 1 limit will be halved;

[0071] If the user does not upload the reason for incorrectly using the amount of loan mode 1, or the reason uploaded by the user for incorrectly using the amount of loan mode 1 does not comply with the unfreezing regulations, the unfreezing will not be performed.

[0072] Optionally, executing the second monitoring strategy according to the consumption behavior habit model of the user includes:

[0073] S6. Take 10% of the user's loan amount in mode 2 as the limit amount;

[0074] S7. Every time the user uses the second credit limit of the loan mode to make a purchase, the user's consumption amount and consumption purpose are obtained;

[0075] S8. Compare the user's consumption amount with the limit amount;

[0076] S9. If the user's consumption amount is less than the limit amount, no processing will be done;

[0077] S10. If the user's consumption amount is greater than or equal to the limit amount, compare the user's consumption purpose with the user's consumption behavior habit model;

[0078] S11. If the user's consumption purpose is consistent with the consumption behavior habit model, it is recorded as normal consumption;

[0079] S12. If the user's consumption purpose does not match the consumption behavior habit model, it will be recorded as abnormal consumption.

[0080] Optionally, judging whether to execute the second processing strategy according to the result of the second monitoring strategy includes:

[0081] When abnormal operation is detected, the user's loan mode 2 credit limit will be temporarily frozen, and the user will be notified of the consumption record recorded as abnormal consumption;

[0082] If the user requests to unfreeze the frozen loan mode 2 limit, the user will be required to perform biometric verification;

[0083] If the user is verified to be himself through biometric identification, the second loan mode limit will be unfrozen.

[0084] Optionally, the strategy and second monitoring strategy include:

[0085] When the user uses the first credit limit of the borrowing mode, the steps S1 to S5 are executed to monitor the user;

[0086] When the user uses the second credit limit of borrowing mode, steps S6-S12 are executed to monitor the user.

[0087] Optionally, judging whether to execute the third processing strategy according to the results of the first detection strategy and the second monitoring strategy includes:

[0088] When abnormal operations or consumption by the user are detected, the user's loan mode 1 and loan mode 2 credit limits will be temporarily frozen, and the temporary freeze will be recorded;

[0089] If the user requests to unfreeze the account, the user will be required to upload the reason for the abnormal operation or consumption;

[0090] Determine whether to unfreeze the user based on the abnormal operation or abnormal consumption reasons uploaded by the user;

[0091] When the number of temporary freezes reaches the upper limit, the user's loan mode 1 and loan mode 2 limits will be halved at the same time.

[0092] The present invention has the following beneficial effects:

[0093] 1. Setting up two different borrowing modes will help to more clearly manage and control the purpose of borrowing. Borrowing mode one is a loan amount specifically used for a specific purpose, while borrowing mode two is a loan amount with no usage restrictions. This distinction can better meet the borrowing needs of different users, while also preventing funds from being misappropriated for inappropriate purposes. For the loan amount under borrowing mode one, since its purpose is clear, it can effectively reduce financial risks and improve the efficiency of fund use. For the loan amount under borrowing mode two, since there is no usage restriction, users can use it flexibly, which improves user experience and satisfaction. In addition, this division of modes can also help lending institutions better monitor and manage users' consumption behaviors and risks, and improve risk control levels.

[0094] 2. By obtaining the user's credit information and rating it, the user's repayment ability and risk level can be assessed more accurately. The setting of the rating system can effectively distinguish the user's credit status, thereby providing suitable loan plans for users with different credit levels. This rating mechanism not only helps to reduce the risk of lending institutions, but also realizes differentiated services and improves user experience and the level of refinement of services.

[0095] 3. By obtaining the user's historical consumption records and establishing a user's consumption behavior habit model, we can more accurately understand the user's consumption preferences and behavior patterns. This not only helps to monitor the user's consumption behavior, detect abnormal consumption in a timely manner, and avoid the user's loan amount being stolen, but also provides data support for lending institutions to help them optimize their products and services.

[0096] 4. By setting up multiple monitoring strategies and processing strategies, targeting different borrowing modes and user behaviors respectively, different scenarios and risk points can be covered more comprehensively, effectively improving risk prevention capabilities; the first monitoring strategy is mainly aimed at borrowing mode 1 for specific purposes, focusing on the use and compliance of funds; and the second monitoring strategy is aimed at borrowing mode 2 with no usage restrictions, monitoring whether the consumption amount and use are in line with the user's consumption habit model. This multi-level risk control strategy helps lending institutions manage risks more meticulously.

[0097] 5. Providing users with the option of customizing loan mode 1 and loan mode 2 quotas increases the flexibility of users in the borrowing process. Users can adjust the proportion of various loan quotas according to their own needs and financial conditions. This can not only better meet the personalized needs of users, but also improve user satisfaction and borrowing experience.

[0098] 6. By monitoring the user's consumption purposes and behaviors and comparing them with established purposes or consumption habit models, abnormal behaviors can be effectively identified. When abnormal behaviors are detected, the system can take temporary freezing measures in time and require the user to provide an explanation. This prevention mechanism can not only protect the user's funds, but also reduce the risks of lending institutions and prevent funds from being abused or stolen.

[0099] 7. Setting up a freezing and unfreezing mechanism for loan quotas can help protect funds in a timely manner when abnormal situations occur. By freezing the user's loan quota, the system can prevent possible risky behaviors at the first time and avoid further losses. At the same time, allowing users to unfreeze funds by uploading explanations or performing identity verification also reflects the flexibility and humanity of the system. BRIEF DESCRIPTION OF THE DRAWINGS

[0100] Figure 1 It is a flow chart of the basic steps of the present invention. DETAILED DESCRIPTION

[0101] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0102] Embodiment 1, a method for intelligently managing a user's loan amount, comprising:

[0103] Set up borrowing mode one and borrowing mode two; setting up two different borrowing modes will help to more clearly manage and control the purpose of borrowing. Borrowing mode one is a borrowing amount specifically used for a specific purpose, while borrowing mode two is an amount with no usage restrictions. This distinction can better meet the borrowing needs of different users, while also preventing funds from being misappropriated for inappropriate purposes. For the amount under borrowing mode one, since its purpose is clear, it can effectively reduce financial risks and improve the efficiency of fund use. For the amount under borrowing mode two, since there is no usage restriction, users can use it flexibly, which improves user experience and satisfaction. In addition, this division of modes can also help lending institutions better monitor and manage users' consumption behaviors and risks, and improve risk control levels.

[0104] Get the loan amount request issued by the user;

[0105] Obtain user credit information based on user loan limit request;

[0106] Users are rated based on their credit information. By obtaining and rating their credit information, users' repayment ability and risk level can be assessed more accurately. The rating system can effectively distinguish users' credit status, thereby providing suitable loan plans for users with different credit levels. This rating mechanism not only helps reduce the risks of lending institutions, but also achieves differentiated services and improves user experience and the level of refinement of services.

[0107] Obtain user ratings, and generate loan mode one and loan mode two quotas based on the user ratings and the loan quota request issued by the user;

[0108] When the user confirms to borrow money, the user's selection result is obtained;

[0109] If the user selects borrowing mode 1, the first monitoring strategy is executed;

[0110] Determining whether to execute the first processing strategy according to the result of the first monitoring strategy;

[0111] If the user chooses borrowing mode 2, the user's historical consumption records will be obtained, and a consumption behavior habit model of the user will be formed based on the user's personal identity information and historical consumption records; the identity information includes the user's name, age, ID number, etc.; by obtaining the user's historical consumption records and establishing the user's consumption behavior habit model, the user's consumption preferences and behavior patterns can be understood more accurately, which not only helps to monitor the user's consumption behavior, discover abnormal consumption in a timely manner, and avoid the user's loan amount being stolen, but also provides data support for lending institutions to help them optimize their products and services.

[0112] Executing a second monitoring strategy according to the consumption behavior habit model of the user;

[0113] Based on the results of the second monitoring strategy, determine whether to execute the second processing strategy; by setting up multiple monitoring strategies and processing strategies, respectively targeting different borrowing modes and user behaviors, different scenarios and risk points can be covered more comprehensively, effectively improving risk prevention capabilities; the first monitoring strategy is mainly aimed at borrowing mode one for specific purposes, focusing on the use and compliance of funds; and the second monitoring strategy is aimed at borrowing mode two without usage restrictions, monitoring whether the consumption amount and use are in line with the user's consumption habit model. This multi-level risk control strategy helps lending institutions manage risks more meticulously.

[0114] If the user selects both borrowing mode 1 and borrowing mode 2, the first monitoring strategy and the second monitoring strategy are executed on the user at the same time;

[0115] According to the results of the first detection strategy and the second monitoring strategy, determine whether to execute the third processing strategy. The basic process refers to Figure 1 .

[0116] The setting of borrowing mode 1 and borrowing mode 2 includes:

[0117] When borrowing money, to obtain the user's loan amount;

[0118] Generate a loan amount with a fixed purpose according to the purpose of the user's loan amount;

[0119] The loan amount with fixed purpose is used as loan mode 1;

[0120] When borrowing money, obtain the user's credit information;

[0121] Generate an unlimited loan amount based on user credit information;

[0122] The unused loan amount is used as loan mode 2;

[0123] The step of obtaining the loan amount request issued by the user includes:

[0124] Obtain user identity information;

[0125] Obtain the purpose of the user's loan amount;

[0126] Get the user's expected loan amount.

[0127] The step of obtaining user credit information according to the user's loan amount request includes:

[0128] Obtain user's personal credit record information;

[0129] The step of rating the user based on the user's credit information includes:

[0130] Users with no default information in their personal credit records, no loan records or who have repaid all loans are assessed as first-level users;

[0131] For users who have no default information in their personal credit records but have a loan record with unpaid loans, they will be assessed as Level 2 users;

[0132] Users with default information in their personal credit records will be assessed as level three users.

[0133] The obtaining of the user rating and generating the amount of loan mode 1 and the amount of loan mode 2 according to the user rating and the loan amount request issued by the user include:

[0134] Get the loan amount request issued by the user, recorded as the requested amount;

[0135] Obtain the amount that can be cashed out of all the user's personal assets, which is recorded as the asset amount;

[0136] For first-level users, the requested amount and the asset amount are compared. If the requested amount is less than or equal to the asset amount, three amounts are provided for the user to choose from:

[0137] The first is to generate a loan mode-amount equal to the asset amount;

[0138] The second is to generate a loan mode two amount equal to the requested amount;

[0139] The third type is user-defined loan mode one and loan mode two quotas, where the sum of loan mode one and loan mode two quotas is less than the asset amount; providing users with the option of defining loan mode one and loan mode two quotas increases the flexibility of users in the borrowing process. Users can adjust the proportion of each type of loan quota based on their own needs and financial conditions, which can not only better meet users' personalized needs, but also improve users' satisfaction and borrowing experience.

[0140] If the requested amount is greater than the asset amount, two amounts are provided for the user to choose from:

[0141] The first is to generate a loan mode one amount equal to the requested amount;

[0142] The second is to generate a loan mode II amount equal to the asset amount;

[0143] For secondary users, obtain the amount of loans that the user has not yet repaid and record it as the amount to be repaid;

[0144] Calculate the asset amount minus the amount to be repaid and record the result as the current amount;

[0145] Compare the requested amount with the current amount. If the requested amount is less than or equal to the current amount, three amounts are provided for the user to choose from:

[0146] The first is to generate a loan mode one amount equal to the existing amount;

[0147] The second is to generate a loan mode two amount equal to the requested amount;

[0148] The third type is a user-defined loan mode 1 quota and a loan mode 2 quota, where the sum of the loan mode 1 quota and the loan mode 2 quota is less than the existing amount;

[0149] If the requested amount is greater than the existing amount, two amounts are provided for the user to choose from:

[0150] The first is to generate a loan mode one amount equal to the requested amount;

[0151] The second is to generate a loan mode II amount equal to the existing amount;

[0152] For level 3 users, loan quota requests will be rejected and no loan quota will be granted.

[0153] If the user selects borrowing mode 1, the first monitoring strategy is executed, including:

[0154] S1. Obtain the fixed purpose when the user selects the borrowing mode, and record it as the confirmed purpose;

[0155] S2. When the user uses the first credit limit of the loan mode, obtain the user's consumption purpose;

[0156] S3, comparing the user's consumption purpose with the confirmed purpose;

[0157] S4. If the user's consumption purpose is consistent with the confirmed purpose, it is recorded as normal operation;

[0158] S5. If the user's consumption purpose does not match the confirmed purpose, it will be recorded as an abnormal operation.

[0159] The step of determining whether to execute the first processing strategy according to the result of the first monitoring strategy includes:

[0160] When the first monitoring strategy detects that the user is operating abnormally;

[0161] Temporarily freeze the user's loan mode 1 limit;

[0162] Prompt the user to apply for unfreezing the frozen loan mode 1 quota and upload the reason for incorrectly using the loan mode 1 quota;

[0163] Determine whether the reason for the incorrect use of the loan mode 1 credit limit uploaded by the user complies with the unfreezing regulations;

[0164] If the compound unfreezing regulations are met, the temporary frozen loan mode 1 amount will be unfrozen and the temporary freeze will be recorded;

[0165] When the number of temporary freezes reaches the upper limit, the amount of the user's loan mode 1 credit limit will be halved; the upper limit is set by the borrowing institution.

[0166] If the user does not upload the reason for incorrectly using the amount of loan mode 1, or the reason uploaded by the user for incorrectly using the amount of loan mode 1 does not comply with the unfreezing regulations, the unfreezing will not be performed.

[0167] The executing the second monitoring strategy according to the consumption behavior habit model of the user includes:

[0168] S6. 10% of the user's loan mode 2 limit is recorded as the limit limit; the 10% can be changed according to actual conditions. The smaller the value is, the stricter the monitoring of user consumption is, but false alarms may occur; the larger the value is, the smaller the limit on user consumption is, but false alarms may occur;

[0169] S7. Every time the user uses the second credit limit of the loan mode to make a purchase, the user's consumption amount and consumption purpose are obtained;

[0170] S8. Compare the user's consumption amount with the limit amount;

[0171] S9. If the user's consumption amount is less than the limit amount, no processing will be done;

[0172] S10. If the user's consumption amount is greater than or equal to the limit amount, compare the user's consumption purpose with the user's consumption behavior habit model;

[0173] S11. If the user's consumption purpose is consistent with the consumption behavior habit model, it is recorded as normal consumption;

[0174] S12. If the user's consumption purpose is inconsistent with the consumption behavior habit model, it will be recorded as abnormal consumption; the said inconsistent with the consumption behavior habit model, for example, the user is a middle-aged person who has never made any game recharge-related consumption before. When using the loan amount for consumption, the system detects that this consumption is for a large amount of game recharge, then this consumption can be recorded as abnormal consumption.

[0175] The step of determining whether to execute the second processing strategy according to the result of the second monitoring strategy includes:

[0176] When abnormal operation is detected, the user's loan mode 2 credit limit will be temporarily frozen, and the user will be notified of the consumption record recorded as abnormal consumption;

[0177] If the user requests to unfreeze the frozen loan mode 2 limit, the user is required to perform biometric verification; the biometric verification includes existing face recognition and fingerprint recognition;

[0178] If the user is verified to be himself through biometric identification, the second loan mode limit will be unfrozen.

[0179] strategy and a second monitoring strategy, including:

[0180] When the user uses the first credit limit of the borrowing mode, the steps S1 to S5 are executed to monitor the user;

[0181] When the user uses the second loan mode limit, steps S6-S12 are executed to monitor the user; by monitoring the user's consumption purposes and behaviors and comparing them with the established purposes or consumption habit models, abnormal behaviors can be effectively identified. When abnormal behaviors are detected, the system can take temporary freezing measures in time and require the user to provide an explanation. This prevention mechanism can not only protect the user's funds, but also reduce the risks of lending institutions and prevent funds from being abused or stolen.

[0182] The determining whether to execute the third processing strategy according to the results of the first detection strategy and the second monitoring strategy includes:

[0183] When abnormal operations or consumption by the user are detected, the user's loan mode 1 and loan mode 2 credit limits will be temporarily frozen, and the temporary freeze will be recorded;

[0184] If the user requests to unfreeze the account, the user will be required to upload the reason for the abnormal operation or consumption;

[0185] Determine whether to unfreeze the user based on the abnormal operation or abnormal consumption reasons uploaded by the user;

[0186] When the number of temporary freezes reaches the upper limit, the user's loan mode 1 and loan mode 2 quotas will be halved at the same time; setting a freezing and unfreezing mechanism for the loan quota will help to protect the security of funds in a timely manner when an abnormal situation occurs. By freezing the user's loan quota, the system can prevent possible risky behaviors at the first time and avoid further losses. At the same time, allowing users to unfreeze funds by uploading explanations or performing identity verification also reflects the flexibility and humanity of the system.

[0187] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device.

[0188] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the technical principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A method for intelligent management of user loan amount, characterized in that: include: Set up borrowing mode 1 and borrowing mode 2; Get the loan amount request issued by the user; Obtain user credit information based on user loan limit request; Rating users based on their credit information; Obtain user ratings, and generate loan mode one and loan mode two quotas based on the user ratings and the loan quota request issued by the user; When the user confirms to borrow money, the user's selection result is obtained; If the user selects borrowing mode 1, the first monitoring strategy is executed; Determining whether to execute the first processing strategy according to the result of the first monitoring strategy; If the user chooses loan mode 2, the user's historical consumption records are obtained, and a consumption behavior habit model of the user is formed based on the user's personal identity information and historical consumption records; Executing a second monitoring strategy according to the consumption behavior habit model of the user; Determining whether to execute the second processing strategy according to the result of the second monitoring strategy; If the user selects both borrowing mode 1 and borrowing mode 2, the first monitoring strategy and the second monitoring strategy are executed on the user at the same time; According to the results of the first detection strategy and the second monitoring strategy, determine whether to execute the third processing strategy.

2. A user loan amount intelligent management method according to claim 1, characterized in that: The setting of borrowing mode 1 and borrowing mode 2 includes: When borrowing money, to obtain the user's loan amount; Generate a loan amount with a fixed purpose according to the purpose of the user's loan amount; The loan amount with fixed purpose is used as loan mode 1; When borrowing money, obtain the user's credit information; Generate an unlimited loan amount based on user credit information; The unused loan amount is used as loan mode 2; The step of obtaining the loan amount request issued by the user includes: Obtain user identity information; Obtain the purpose of the user's loan amount; Get the user's expected loan amount.

3. A user loan amount intelligent management method according to claim 1, characterized in that: The step of obtaining user credit information according to the user's loan amount request includes: Obtain user's personal credit record information; The step of rating the user based on the user's credit information includes: Users with no default information in their personal credit records, no loan records or who have repaid all loans are assessed as first-level users; For users who have no default information in their personal credit records but have a loan record with unpaid loans, they will be assessed as Level 2 users; Users with default information in their personal credit records will be assessed as level three users.

4. A user loan amount intelligent management method according to claim 1, characterized in that: The obtaining of the user rating and generating the amount of loan mode 1 and the amount of loan mode 2 according to the user rating and the loan amount request issued by the user include: Get the loan amount request issued by the user, recorded as the requested amount; Obtain the amount that can be cashed out of all the user's personal assets, which is recorded as the asset amount; For first-level users, the requested amount and the asset amount are compared. If the requested amount is less than or equal to the asset amount, three amounts are provided for the user to choose from: The first is to generate a loan mode-amount equal to the asset amount; The second is to generate a loan mode two amount equal to the requested amount; The third type is a user-defined loan mode 1 quota and a loan mode 2 quota, where the sum of the loan mode 1 quota and the loan mode 2 quota is less than the asset amount; If the requested amount is greater than the asset amount, two amounts are provided for the user to choose from: The first is to generate a loan mode one amount equal to the requested amount; The second is to generate a loan mode II amount equal to the asset amount; For secondary users, obtain the amount of loans that the user has not yet repaid and record it as the amount to be repaid; Calculate the asset amount minus the amount to be repaid and record the result as the current amount; Compare the requested amount with the current amount. If the requested amount is less than or equal to the current amount, three amounts are provided for the user to choose from: The first is to generate a loan mode one amount equal to the existing amount; The second is to generate a loan mode two amount equal to the requested amount; The third type is a user-defined loan mode 1 quota and a loan mode 2 quota, where the sum of the loan mode 1 quota and the loan mode 2 quota is less than the existing amount; If the requested amount is greater than the existing amount, two amounts are provided for the user to choose from: The first is to generate a loan mode one amount equal to the requested amount; The second is to generate a loan mode II amount equal to the existing amount; For level 3 users, loan amount requests are rejected.

5. A user loan amount intelligent management method according to claim 1, characterized in that: If the user selects borrowing mode 1, the first monitoring strategy is executed, including: S1. Obtain the fixed purpose when the user selects the borrowing mode, and record it as the confirmed purpose; S2. When the user uses the first credit limit of the loan mode, obtain the user's consumption purpose; S3, comparing the user's consumption purpose with the confirmed purpose; S4. If the user's consumption purpose is consistent with the confirmed purpose, it is recorded as normal operation; S5. If the user's consumption purpose does not match the confirmed purpose, it will be recorded as an abnormal operation.

6. A user loan amount intelligent management method according to claim 1, characterized in that: The step of determining whether to execute the first processing strategy according to the result of the first monitoring strategy includes: When the first monitoring strategy detects that the user is operating abnormally; Temporarily freeze the user's loan mode 1 limit; Prompt the user to apply for unfreezing the frozen loan mode 1 quota and upload the reason for incorrectly using the loan mode 1 quota; Determine whether the reason for the incorrect use of the loan mode 1 credit limit uploaded by the user complies with the unfreezing regulations; If the compound unfreezing regulations are met, the temporary frozen loan mode 1 amount will be unfrozen and the temporary freeze will be recorded; When the number of temporary freezes reaches the upper limit, the amount of the user's loan mode 1 limit will be halved; If the user does not upload the reason for incorrectly using the amount of loan mode 1, or the reason uploaded by the user for incorrectly using the amount of loan mode 1 does not comply with the unfreezing regulations, the unfreezing will not be performed.

7. A user loan amount intelligent management method according to claim 1, characterized in that: The executing the second monitoring strategy according to the consumption behavior habit model of the user includes: S6. Take 10% of the user's loan amount in mode 2 as the limit amount; S7. Every time the user uses the second credit limit of the loan mode to make a purchase, the user's consumption amount and consumption purpose are obtained; S8. Compare the user's consumption amount with the limit amount; S9. If the user's consumption amount is less than the limit amount, no processing will be done; S10. If the user's consumption amount is greater than or equal to the limit amount, compare the user's consumption purpose with the user's consumption behavior habit model; S11. If the user's consumption purpose is consistent with the consumption behavior habit model, it is recorded as normal consumption; S12. If the user's consumption purpose does not match the consumption behavior habit model, it will be recorded as abnormal consumption.

8. A user loan amount intelligent management method according to claim 1, characterized in that: The step of determining whether to execute the second processing strategy according to the result of the second monitoring strategy includes: When abnormal operation is detected, the user's loan mode 2 credit limit will be temporarily frozen, and the user will be notified of the consumption record recorded as abnormal consumption; If the user requests to unfreeze the frozen loan mode 2 limit, the user will be required to perform biometric verification; If the user is verified to be himself through biometric identification, the second loan mode limit will be unfrozen.

9. A method for intelligent management of user loan amount according to claim 1, characterized in that: If the user selects both borrowing mode 1 and borrowing mode 2, the first monitoring strategy and the second monitoring strategy are simultaneously executed on the user, including: When the user uses the first credit limit of the borrowing mode, the steps S1 to S5 are executed to monitor the user; When the user uses the second credit limit of borrowing mode, steps S6-S12 are executed to monitor the user.

10. A user loan amount intelligent management method according to claim 1, characterized in that: The determining whether to execute the third processing strategy according to the results of the first detection strategy and the second monitoring strategy includes: When abnormal operations or consumption by the user are detected, the user's loan mode 1 and loan mode 2 credit limits will be temporarily frozen, and the temporary freeze will be recorded; If the user requests to unfreeze the account, the user will be required to upload the reason for the abnormal operation or consumption; Determine whether to unfreeze the user based on the abnormal operation or abnormal consumption reasons uploaded by the user; When the number of temporary freezes reaches the upper limit, the user's loan mode 1 and loan mode 2 limits will be halved at the same time.

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