Loan information prompting method and device, computer equipment and storage medium

Abstract

The invention relates to the technical field of internet finance, and discloses a loan information prompting method and device, computer equipment and a storage medium. The method comprises the steps of generating prompt information based on a prompt information template; according to a preset mode, the prompt information is sent to terminal equipment corresponding to the terminal mobile phone number in a 5G message and flash message combined mode; when it is detected that the target customer clicks the application button, entering a loan application page; when it is detected that the target customer submits the loan application, performing examination and approval, and generating a loan examination and approval result; sending the loan approval result to the terminal device according to a preset mode; and when it is determined that a loan product is purchased according to the loan approval result, issuing loan funds to a loan account, and sending account arrival information to the terminal device according to a preset mode. Based on the technical scheme of the invention, the target customer can directly enter the loan application page by clicking the button in the prompt information, so that the preposed steps of the application process are simplified, the customer loss is reduced, and the information reach rate is improved.

Description

Technical Field

[0001] The present invention relates to the field of Internet financial technology, and in particular to a loan information prompting method, device, computer equipment and storage medium. Background Art

[0002] At present, loan platforms / institutions mainly use ordinary text messages to contact and notify customers, which have low reach rates and delays. Customers' terminal devices are also generally installed with anti-harassment software, and there are problems such as channel restrictions, content restrictions, and word count restrictions, which ultimately lead to poor customer contact effects, such as invalid reach and low click-through rates.

[0003] Therefore, there is an urgent need for a loan information prompt method that can improve customer contact effects and increase SMS reach rate. Summary of the invention

[0004] Therefore, the technical problem to be solved by the present invention is to overcome the problems of poor customer contact effect, invalid contact and low click rate in the related technology.

[0005] In order to solve the above technical problems, the present invention provides a loan information prompting method, comprising:

[0006] Prompt information is generated based on a prompt information template pre-registered with the operator; the prompt information template includes: title, description, button name, signature, link and multimedia material; the title is used to indicate the name of the loan product, the description is used to indicate the method of obtaining the loan product in the title; the button name is used to indicate clicking the application button to perform a loan application operation; the signature is used to indicate the source of the prompt information; the link is the application link corresponding to the loan product; the multimedia material is in a picture format, used to display relevant information of the loan product;

[0007] Send the prompt information to the terminal device corresponding to the terminal mobile phone number according to a preset method; the preset method is a combination of 5G message and flash message;

[0008] When it is detected that the target customer clicks the application button, the loan application page corresponding to the link is entered;

[0009] When the loan application page detects that the target customer has submitted a loan application, the loan application submitted by the target customer is reviewed and approved, and a loan approval result is generated;

[0010] Sending the loan approval result to the terminal device corresponding to the terminal mobile phone number according to the preset method;

[0011] When the purchase of a loan product is determined based on the loan approval result, the loan funds are disbursed to the loan account according to the loan disbursement process corresponding to the loan product, and the account arrival information is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method.

[0012] In an optional implementation manner, before generating the prompt information based on the prompt information template pre-reported to the operator, the method further includes:

[0013] Fill in the prompt information template on the online platform provided by the operator and submit the registration application;

[0014] When the registration application is approved, receiving a registration success notification sent by the operator;

[0015] When the reporting application fails the review, receiving a reporting failure notification sent by the operator; the reporting failure notification includes the reason for the failure of the review; modifying the reporting application based on the reason for the failure of the review in the reporting failure notification, until receiving a reporting success notification sent by the operator.

[0016] In an optional implementation manner, the loan approval result includes approval passed or approval failed. After the loan approval result is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes:

[0017] When the loan approval result is approved, determine whether to purchase the loan product;

[0018] When the loan approval result is failure to approve, determine whether to resubmit the loan application.

[0019] In an optional implementation, when it is detected that the target customer clicks the application button, after entering the loan application page corresponding to the link, the method further includes:

[0020] Enter the loan application process; the loan application process includes the target customer registering by entering personal information, and after successful registration, filling out the online loan application form and clicking the submit button.

[0021] In an optional implementation manner, after sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes:

[0022] Monitor the flow and use of the loan funds;

[0023] When it is determined based on the flow and use of the loan funds that the loan funds are illegally used for high-risk investments or non-agreed purposes, a violation prompt information is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method; the violation prompt information is used to remind the target customer that there is a risk of illegal use of loan funds.

[0024] In an optional implementation manner, after sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes:

[0025] Within a preset time range before the repayment date, a repayment reminder message is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method; the repayment reminder message is used to remind the target customer of the repayment date, repayment amount and repayment method.

[0026] In an optional implementation manner, after sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes:

[0027] The account status prompt information is sent to the terminal device corresponding to the terminal mobile phone number in the preset manner according to the preset period; the account status prompt information is used to prompt the target customer of the status of the loan account; the status of the loan account includes balance changes and interest calculations.

[0028] In a second aspect, the present invention provides a loan information prompting device, comprising:

[0029] A first processing module, configured to generate prompt information based on a prompt information template pre-reported to the operator;

[0030] The prompt information template includes: title, description, button name, signature, link and multimedia material; the title is used to indicate the name of the loan product, the description is used to indicate the method of obtaining the loan product in the title; the button name is used to indicate clicking the application button to apply for a loan; the signature is used to indicate the source of the prompt information; the link is the application link corresponding to the loan product; the multimedia material is in picture format, used to display relevant information of the loan product;

[0031] The second processing module is used to send the prompt information to the terminal device corresponding to the terminal mobile phone number according to a preset method; the preset method is a combination of 5G message and flash message;

[0032] The third processing module is used to enter the loan application page corresponding to the link when detecting that the target customer clicks the application button;

[0033] A fourth processing module is used to review and approve the loan application submitted by the target customer and generate a loan approval result when the loan application page detects that the target customer has submitted a loan application;

[0034] A fifth processing module, configured to send the loan approval result to a terminal device corresponding to the terminal mobile phone number according to the preset method;

[0035] The sixth processing module is used to disburse the loan funds to the loan account according to the loan disbursement process corresponding to the loan product when the loan product is determined to be purchased according to the loan approval result, and send the arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method.

[0036] In a third aspect, the present invention provides a computer device, comprising: a memory and a processor, the memory and the processor being communicatively connected to each other, the memory storing computer instructions, and the processor executing the loan information prompt method of the first aspect or any corresponding embodiment thereof by executing the computer instructions.

[0037] In a fourth aspect, the present invention provides a computer-readable storage medium, on which a single computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a computer to execute the loan information prompt method of the first aspect or any corresponding embodiment thereof.

[0038] In a fifth aspect, the present invention provides a computer program product, including computer instructions, and the computer instructions are used to enable a computer to execute the loan information prompting method of the first aspect or any corresponding embodiment thereof.

[0039] The technical solution provided by the present invention has the following technical effects:

[0040] The technical solution based on the embodiment of the present invention can improve the information reach and attention:

[0041] Advantages of multi-channel combination: Use a preset method that combines 5G messages and flash messages to send reminder messages. Flash messages have high-priority display characteristics, which can pop up instantly on the terminal device screen and attract customers' attention, avoiding being overwhelmed by other messages, greatly improving the initial reach of information. For example, even if the phone is in lock screen mode or the customer is using other applications, flash messages can force the display of key loan product reminders, prompting customers to pay attention, thereby improving the customer contact effect.

[0042] Multimedia display effect: Multimedia materials (such as pictures) in 5G messages can intuitively display relevant information of loan products, such as loan amounts, interest rate discount examples, applicable scenarios, etc. Compared with pure text information, they are more attractive and expressive, allowing customers to quickly understand the core points of the product in a short time, and increase customers' interest in further understanding and participation.

[0043] The technical solution based on the embodiment of the present invention can improve the convenience and efficiency of loan application:

[0044] One-click direct application: Customers can directly enter the loan application page by clicking the application button in the prompt information, without having to manually enter cumbersome URLs or search for loan application entrances in numerous applications. This simplifies the pre-application process, reduces customer loss due to cumbersome operations, and greatly improves the conversion efficiency from information acquisition to application initiation.

[0045] Full-process online operation: The entire loan application, approval and loan disbursement process is completed online. Customers can submit applications anytime and anywhere without being restricted by time and space. For loan platforms / institutions, the online system can automatically collect, organize and preliminarily review the information submitted by customers, reducing manual intervention, speeding up application processing, shortening the loan approval cycle, and improving overall business processing efficiency.

[0046] The technical solution based on the embodiment of the present invention can realize precision marketing and personalized services:

[0047] Personalized customization based on templates: Although the prompt information is generated based on the pre-registered prompt information template, the title, description and other contents in the template can be flexibly adjusted and customized according to different loan products and target customer groups. For example, for high-credit quality customers, the title and description can highlight exclusive offers such as higher credit limits and lower interest rates; for corporate customers in specific industries, the description can mention examples of loan uses and special services that meet their industry needs, so as to achieve precise marketing push and improve marketing effects and customer satisfaction.

[0048] Based on the technical solution of the embodiment of the present invention, close communication with customers is maintained through 5G messages and flash messages throughout the entire loan business process, and loan approval results and loan information can be informed in a timely manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] In order to more clearly illustrate the specific implementation methods of the present invention or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0050] Figure 1 It is a flowchart of a loan information prompting method according to an embodiment of the present invention;

[0051] Figure 2 This is a schematic diagram of a third-party platform login page according to an embodiment of the present invention;

[0052] Figure 3 is a schematic diagram of a sending result page according to an embodiment of the present invention;

[0053] Figure 4 is a flow chart of another loan information prompting method according to an embodiment of the present invention;

[0054] Figure 5 is a schematic diagram of the test results of the first stage of an embodiment of the present invention;

[0055] Figure 6 is a schematic diagram of the test results of the second phase of the embodiment of the present invention;

[0056] Figure 7 is a schematic diagram of the test results of the third stage of an embodiment of the present invention;

[0057] Figure 8 It is a structural schematic diagram of a loan information prompting device according to an embodiment of the present invention;

[0058] Fig. 9 It is a schematic diagram of the hardware structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0059] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are 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 those skilled in the art without creative work are within the scope of protection of the present invention.

[0060] At present, loan contact processing is usually carried out in the following ways:

[0061] 1. Offline channels:

[0062] Physical branch promotion: Promotional posters and display racks are set up at bank branches to introduce loan products such as loans to customers who come to the store. Bank staff actively inquire and recommend customers who come to handle business, and provide corresponding loan plans according to customer needs.

[0063] Outdoor advertising and activities: Place outdoor advertising in areas with large traffic, such as bus station advertising, large-screen advertising in shopping malls, etc., to increase product awareness. Hold offline activities, such as financial knowledge lectures, corporate seminars, etc., to introduce loan products and communicate face-to-face with potential customers.

[0064] 2. Online channels:

[0065] Website and online banking: Loan product information is displayed on the bank's official website, and customers can learn about product features, application conditions, etc. Online banking customers may see loan product recommendation information pushed by the bank after logging in.

[0066] Email marketing: Send emails to the bank's customer database to introduce the advantages of loan products such as loans and the latest promotions. Targeted email marketing is carried out to customers who have consulted about loan business or have related business dealings.

[0067] Telemarketing: Bank customer service staff contact potential customers by phone to introduce loan products and understand customer needs. They proactively invite customers who meet certain conditions to apply for loans.

[0068] 3. Partner Channels:

[0069] Corporate cooperation: Establish cooperative relationships with enterprises and recommend the bank's loan products to their employees through the enterprises, such as providing exclusive discounts for corporate employees such as consumer loans and housing loans. Cooperate with organizations such as chambers of commerce and industry associations to promote loan products in their activities and expand customer base.

[0070] Cooperation with intermediaries: Cooperate with real estate agencies, car dealers, etc. to provide supporting loan services for customers who purchase real estate, cars, etc. Cooperate with financial intermediaries to recommend the bank's loan products to their customers through intermediaries and obtain customer resources.

[0071] The above-mentioned loan contact method has the following drawbacks and shortcomings:

[0072] Disadvantages and shortcomings of offline channels:

[0073] Physical outlets promotion:

[0074] High cost: A large amount of manpower and material resources are required to maintain network operations and carry out promotions, including site rental, employee salaries, and production of promotional materials.

[0075] Limited coverage: It can only attract customers from surrounding areas and is difficult to reach potential customers who are far away.

[0076] Time constraints: The outlets have limited business hours and are unable to meet customers’ consultation and application needs during non-working hours.

[0077] Outdoor advertising and events:

[0078] The effect is difficult to evaluate: it is difficult to accurately measure the actual business conversion effect brought about by outdoor advertising and activities, and the input-output ratio is unclear.

[0079] Inaccurate audience: Although it can attract a certain amount of attention, it cannot ensure that the people who see the advertisement or participate in the event are actually customers who need a loan.

[0080] Disadvantages and shortcomings of online channels:

[0081] Website and Internet Banking:

[0082] Passive access: Customers need to actively visit the bank’s website or online banking to see loan product information, and lack the ability to actively push information.

[0083] Intense competition: Among the numerous websites and financial service platforms, bank websites are easily drowned out and it is difficult to highlight product advantages.

[0084] Email Marketing:

[0085] Low open rates: With the number of emails people receive, it’s easy for marketing emails for loan products to be ignored or treated as spam.

[0086] Easy to cause disgust: If the sending frequency is too high or the content is not accurate enough, it may cause disgust among customers and even lead to customer cancellation or complaint.

[0087] Telemarketing:

[0088] Highly harassing: Many people are disgusted by unfamiliar telephone sales calls, which can easily be regarded as harassing calls and affect the image of the bank.

[0089] Inefficiency: A large number of manual calls are required, and the call time is limited, making it difficult to deeply understand customer needs and make personalized recommendations.

[0090] Disadvantages and shortcomings of the partner channel:

[0091] Corporate Cooperation:

[0092] High dependence: Over-reliance on the recommendation of the enterprise. Once problems arise in the cooperation or the enterprise adjusts its business, it may affect the development of the loan business.

[0093] Narrow coverage: It can only cover employees of partner companies or related customer groups, and cannot reach other potential customers.

[0094] Cooperation with intermediaries:

[0095] Increased costs: A certain amount of fees needs to be paid to intermediaries, which increases business costs.

[0096] Higher risk: The quality of intermediaries varies, and there may be irregular operations or fraudulent activities, which poses risks to banks and customers.

[0097] The technical solution of the present invention solves the drawbacks and shortcomings of the above-mentioned traditional customer contact methods:

[0098] 1. Solutions to the drawbacks of offline channels:

[0099] Replace the high cost and limited coverage of physical outlets:

[0100] 5G messages and flash messages can achieve remote and precise reach without relying on the massive human and material investment of physical outlets. No matter where the customer is, as long as there is 5G network coverage, they can receive loan product information, which greatly expands the coverage.

[0101] Personalized push notifications can be made based on the customer’s location information, behavioral data, etc., to improve the accuracy of reach and avoid wasting resources.

[0102] Without time restrictions, customers can receive and view information at any time, meeting the needs of different customers during non-working hours.

[0103] Make up for the difficulty in evaluating the effects of outdoor advertising and activities and the inaccurate audience:

[0104] 5G messages and flash messages can track customers' reading, clicking and other behaviors through data analysis, and accurately evaluate the promotion effect.

[0105] Utilize big data to analyze user portraits and achieve accurate push notifications, ensuring that information is only pushed to potential customers who truly have loan needs, thereby improving the accuracy of the audience.

[0106] 2. Solutions to the drawbacks of online channels:

[0107] Overcoming the passive reach and fierce competition between websites and online banking:

[0108] 5G messages can be pushed to customers proactively without the need for them to actively visit websites or online banking. Messages are displayed directly on customers’ mobile terminals, improving the visibility and reach of information.

[0109] The rich media features of 5G messages can better showcase the advantages and characteristics of loan products, attract customers' attention through vivid graphics, texts, videos, etc., and stand out among many financial services.

[0110] Solve the problem of low open rates and negative feedback from email marketing:

[0111] 5G messages and flash messages have the characteristics of high priority and instant display, and are not easily ignored or treated as spam. Customers are more likely to check and respond to messages in a timely manner.

[0112] It can be personalized according to customer needs and preferences, sending more targeted content, reducing customer disgust and improving customer acceptance.

[0113] Improve the harassment and inefficiency of telemarketing:

[0114] It avoids the harassment of telephone sales, and customers can choose whether to view and respond to 5G messages and flash messages on their own, reducing disturbance to customers.

[0115] Through the interactive function of 5G messages, customers can easily obtain more information, submit applications, etc., and improve business processing efficiency. At the same time, banks can conduct more in-depth communication and personalized services based on customer feedback.

[0116] 3. Solutions to the drawbacks of partner channels:

[0117] Reduce dependence on corporate cooperation and expand coverage:

[0118] 5G messages and flash messages do not rely on specific corporate cooperation and can be promoted directly to a wide range of customer groups. Even if there are problems with corporate cooperation, it will not have a significant impact on the loan business.

[0119] Through big data analysis and precise push notifications, more potential customers can be covered, not just employees of partner companies or related customer groups.

[0120] Reduce the cost and risk of cooperation with intermediaries:

[0121] Reduce reliance on intermediaries, reduce fees paid to intermediaries, and reduce business costs.

[0122] Communicate and serve customers directly to avoid irregular operations and fraud risks of intermediaries, and improve the security and reliability of business.

[0123] Common problems in traditional loan contact methods and solutions of the technical solution of the present invention:

[0124] 1) Channel limitation problem: Traditional loan customer contact mainly relies on offline branch promotion, telephone marketing and other methods, which have limited audience range and high cost.

[0125] Solution: The technical solution of the present invention utilizes 5G messages and flash messages, which can break through geographical and time limitations and reach potential customer groups more widely.

[0126] 2) Customer experience and interaction issues: The traditional loan application process is cumbersome, and the interaction method between customers and banks is single.

[0127] Solution: This invention uses the rich media characteristics of 5G messages to provide customers with a richer interactive experience, such as being able to directly fill in application information and upload materials in the message, simplifying the application process and improving customer participation. Flash messages have the characteristics of high priority and instant display, which can ensure that customers receive loan product information and important notifications as soon as possible, avoid information delays, enhance the immediacy of customer experience, and improve customer satisfaction with bank services.

[0128] 3) Data security and privacy protection issues: In the loan business, the security of customer information is of vital importance.

[0129] Solution: 5G messages use advanced encryption technology to ensure the security of data during transmission and prevent customer information from being stolen or tampered with. The present invention strictly abides by relevant privacy protection laws and regulations. When using 5G messages and flash messages to contact customers, the purpose and scope of use of customer information are clearly informed to protect the privacy of customers.

[0130] The embodiments of the present invention provide a loan information prompting method, apparatus, computer equipment and storage medium to solve the above problems.

[0131] According to an embodiment of the present invention, a loan information prompt method embodiment is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer device such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0132] Figure 1 It is a flowchart of the loan information prompting method according to an embodiment of the present invention.

[0133] like Figure 1 As shown, an embodiment of the present invention provides a loan information prompting method, the loan information prompting method comprising:

[0134] S101: Generate prompt information based on a prompt information template pre-reported to the operator.

[0135] In this embodiment, as an example, the prompt information template includes: title, description, button name, signature, link and multimedia material. The title is used to indicate the name of the loan product, and the description is used to indicate the method of collecting the loan product in the title, for example, click the button below to enter the loan application page to collect it. The button name is used to indicate clicking the application button to apply for a loan. As an example, the button name can be: Collect Now, Click Field. The signature is used to indicate the source of the prompt information, for example, XXX Bank. The link is the application link corresponding to the loan product. The multimedia material is in a picture format, which is used to display relevant information of the loan product, for example, the institution to which the loan product belongs, XXX Bank, the name of the loan product, XX loan, the maximum amount to be collected, XXX yuan, and the interest rate, A%.

[0136] In this embodiment, it is necessary to report the prompt information template to the operator in advance. In this field, the report is usually made online or offline, and the authorization of 5G messages and flash messages is obtained.

[0137] S102: Send the prompt information to the terminal device corresponding to the terminal mobile phone number according to a preset method.

[0138] In this embodiment, the preset mode is a combination of 5G message and flash message. As an example, the terminal device is a mobile phone.

[0139] In this embodiment, common personalized recommendation methods can be used. For example, customer behavior data on the loan platform, such as browsing paths, browsed loan products, dwell time, historical loan records, etc., are collected to build user portraits, analyze loan needs, and identify customers with loan needs as target customers.

[0140] As an example, let’s build a user profile and determine the target customers (customers with loan needs) based on the user profile:

[0141] 1. Data Collection:

[0142] Basic information collection:

[0143] Individual customers: collect information such as age, gender, occupation, education, marital status, home address, etc. For example, age can be divided into different stages. People aged 20-30 may be young people who have just entered society, and their loan needs may be concentrated on consumer loans for purchasing electronic products, renting houses, etc.; middle-aged people aged 30-50 may consider housing loans or children's education loans. Occupation is also critical. For example, the income of civil servants and employees of public institutions is relatively stable, while the income of practitioners in the financial and Internet industries may be higher but also fluctuate greatly. This information plays an important role in assessing repayment ability and loan risks.

[0144] Corporate customers: collect information on corporate type (such as manufacturing, service, technology, etc.), corporate size (based on number of employees, total assets, revenue, etc.), registered address, industry category, years of operation, etc. For example, manufacturing companies may have a large demand for working capital loans or equipment renewal loans; technology-based SMEs may need funds for R&D investment.

[0145] Financial Information Collection:

[0146] Individual customers: Obtain income level (including salary income, investment income, etc.), asset status (real estate, vehicles, deposits, etc.), debt status (such as credit card arrears, other loan balances), etc. This information can be used to calculate indicators such as debt-to-income ratio to assess their financial health and ability to repay loans. For example, individuals with a debt-to-income ratio below 30% usually have more financial room to take on new loans.

[0147] Corporate customers: Collect financial statements (balance sheet, income statement, cash flow statement), tax records, loan platform / institution flow, etc., and analyze indicators such as the company's profitability (such as net profit margin), debt repayment ability (such as current ratio, quick ratio), and operating ability (such as accounts receivable turnover rate, inventory turnover rate). For example, companies with a current ratio of around 2 have better short-term debt repayment ability and are more likely to obtain working capital loans.

[0148] Credit history collection: Obtain credit records of individuals and companies from the credit reporting system. For individuals, check whether there are overdue repayment records, loan times, credit card usage, etc.; for companies, pay attention to whether there are overdue debts, contract breaches, inclusion in the list of dishonest persons, etc. Customers with good credit are more likely to become high-quality loan customers. For example, individual customers with a credit score of more than 700 points (using the common credit scoring system as an example) and no overdue records are ideal loan targets.

[0149] Behavioral Data Collection:

[0150] Online behavior: If there is a bank's online banking, mobile banking or related financial service platform, collect information such as customer login frequency, browsing content (such as whether they often browse loan product pages, what type of loans they are interested in), and stay time. For example, customers who often browse housing loan product pages and stay for a long time may have housing loan needs.

[0151] Offline behavior: For corporate customers, collect information on their participation in industry exhibitions, procurement activities, etc.; for individual customers, collect their consumption behavior at partner merchants (such as auto 4S stores, real estate agencies, etc.). These behaviors may indicate their loan needs. For example, individuals who frequently look at cars at auto 4S stores may have a need for auto loans.

[0152] 2. Data cleaning and preprocessing:

[0153] Missing value processing: For missing basic information, it can be processed through reasonable speculation or supplementary collection. For example, if the customer's occupation information is missing, but the education level and years of work are known, the possible occupation range can be speculated based on the education level and years of work. For missing financial information, such as missing personal income information, the customer can be asked to provide additional salary slips or tax payment certificates; if part of the data is missing from the company's financial statements, the company can be asked to provide it again or verify it through other channels (such as communicating with the tax department to verify the tax data).

[0154] Outlier processing: Check the outliers in the data, such as the age of individual customers is negative or over 120 years old, the income is too high or too low and does not conform to common sense (seriously inconsistent with the occupational and regional averages), etc. For outliers, verify their authenticity. If it is a data entry error, correct it in time; if it is a special case (such as high-income celebrities or corporate executives), you need to collect relevant supporting materials for confirmation. For corporate customers, if there are abnormal and large fluctuations in revenue or profits, it is necessary to deeply analyze the reasons. It may be that the company has made major strategic adjustments, the market has changed suddenly, or financial data has been falsified. Compare and verify with multi-channel data such as corporate financial statements and industry reports to ensure the reliability of the data.

[0155] Data standardization and normalization: For numerical data, such as age, income, financial indicators, etc., standardization is performed to make them have uniform dimensions and distribution characteristics. Common standardization methods include Z-score standardization, which converts the data into a standard normal distribution with a mean of 0 and a standard deviation of 1 by calculating the difference between each data point and the mean and dividing it by the standard deviation. This can avoid the adverse effects on user portrait construction due to large differences in numerical values ​​between different features. For some data with a clear range of values ​​or proportional relationships, such as credit scores (usually between 0-100) or the frequency of consumer behavior (values ​​between 0-1 represent relative proportions), normalization can be used to map the data to a specific interval to facilitate comparison of the importance of different features.

[0156] 3. Label construction:

[0157] Basic attribute tags:

[0158] Individual customers: Labels are constructed based on age, such as "youth (20-30 years old)", "middle-aged (31-50 years old)", and "elderly (51 years old and above)"; labels are constructed based on occupation, such as "financial practitioners", "civil servants", "self-employed persons", etc.; labels are constructed based on income levels, such as "low income (annual income less than X million yuan)", "middle income (annual income XY million yuan)", and "high income (annual income more than Y million yuan)".

[0159] Corporate customers: Build labels based on the size of the enterprise, such as "small and micro enterprises (with fewer than X employees and total assets less than Y million yuan)", "medium-sized enterprises", and "large enterprises"; build labels based on the type of enterprise, such as "manufacturing enterprises", "service enterprises", and "technology-based enterprises".

[0160] Credit Risk Tags:

[0161] Individual customers: Labels are divided according to credit scores, such as "excellent credit (700-850 points)", "good credit (600-699 points)", "average credit (400-599 points)", and "poor credit (below 400 points)"; labels are divided according to overdue records, such as "no overdue", "occasionally overdue", and "multiple overdue".

[0162] Corporate customers: Labeled according to credit record and financial status, such as "good credit and financially healthy", "average credit but financially stable", and "high credit risk and poor financial status".

[0163] Behavioral characteristic tags:

[0164] Individual customers: Build labels based on online behaviors, such as "high attention to loan products (frequently browse loan product pages)" and "financial management enthusiasts (frequently browse financial information)"; build labels based on offline behaviors, such as "home buyers (frequently go in and out of real estate agencies)" and "car consumers (frequently look at cars in 4S stores)".

[0165] Corporate customers: Build labels based on their participation in industry activities, such as "active companies in the industry (frequently participating in industry exhibitions and seminars)" and "low-key companies in the industry (rarely participating in industry activities)". Build labels based on purchasing behavior, such as "large-scale raw material purchasers (frequent purchase of raw materials)" and "equipment update demand type (regularly paying attention to equipment update information)".

[0166] 4. User portrait construction and analysis:

[0167] Portrait construction: Combine the above labels to form a user portrait. For example, a 35-year-old financial practitioner with an annual income of 500,000 yuan, a credit score of 750 points, no overdue record, and frequent browsing of housing loan and investment and financial management product pages can be described as a "middle-aged, high-income financial practitioner with excellent credit and interest in housing loans and financial management". For corporate customers, such as a medium-sized manufacturing company with good financial status and credit record, who often participates in industry exhibitions and purchases a large amount of raw materials, its portrait can be "a medium-sized manufacturing company with healthy finances, good credit, active industry, and a tendency to demand loans for raw material purchases".

[0168] Identify customers with loan needs: Identify customers who may have loan needs by analyzing user portraits. For example, customers with behavioral characteristic labels such as "home buyers" and "equipment update demand type" can be judged based on their financial status and credit risk labels to determine whether they have sufficient repayment ability and willingness. If the financial status allows and the credit risk is low, then these customers can be identified as potential customers with high loan needs. For corporate customers, the portrait shows that companies with good industry prospects, large demand for business scale expansion and healthy finances are likely to have loans for expanding production, technology research and development or market expansion. At the same time, you can also find user portraits that match the loan products based on their characteristics and target customer groups. For example, when launching a short-term working capital loan product for small and micro enterprises, you can look for customers with labels such as "small and micro enterprises", "basically stable financial status" and "tendency to have short-term capital turnover needs".

[0169] 5G Message: 5G Message is a new generation of message service built on the GSMARCS standard. It integrates multiple media formats such as text, pictures, audio, video, and location, and can realize interactive functions similar to applications. For example, customers can complete multiple operations such as shopping, booking, and inquiry within the message interface without downloading additional applications. 5G messages have rich content formats, which can be chatbot dialogues, card-style message displays, and other forms, providing customers with a more attractive and practical message experience.

[0170] Flash message: Flash message is a special SMS service that pops up directly on the mobile phone screen, so customers can see the message content without opening the SMS inbox. After the flash message is displayed, it may not be automatically saved to the inbox according to the settings, which has the characteristics of high immediacy and mandatory reminder.

[0171] Prerequisites for implementation:

[0172] Terminal device support: The terminal device needs to support 5G messaging and flash messaging functions. For 5G messaging, the device is required to have a communication module that supports the RCS protocol, and the operating system (such as Android or iOS) has integrated the corresponding 5G messaging function or installed an application that supports 5G messaging. For flash messaging, the mobile phone operating system and communication module need to support the reception and display mechanism of flash messaging.

[0173] Network support: The operator's network needs to support the transmission of 5G messages and flash messages. 5G networks can better leverage the performance advantages of 5G messages, but 4G networks can also support some 5G message functions to a certain extent. At the same time, the network must configure the flash message push service to ensure that messages can be accurately sent to terminal devices in the flash message mode.

[0174] Service activation and permission setting: The sender (for example, XXX Bank) needs to open the permission for sending 5G messages and flash messages from the operator. For corporate customers, it may also be necessary to provide relevant qualification certificates and file business records to ensure the legality and standardization of message sending. End customers may also need to enable the relevant permissions for receiving 5G messages and flash messages on their devices. However, in some cases, the reception of flash messages may be enabled by default, depending on the settings of the operator and the device.

[0175] Specific implementation method:

[0176] Send via operator platform:

[0177] Configure the message content: First, write the prompt information in the format of 5G messages. For example, if it is a product promotion prompt information, it can be made into a card-style 5G message containing product pictures, detailed introductions, and purchase links. At the same time, set the relevant parameters of the flash message, such as the pop-up screen display time, whether to save, etc. Use the 5G message and flash message sending interface provided by the operator to enter the configured message content into the system. These interfaces are usually based on the operator's business management platform, and the sender needs to have the corresponding account and permissions to access.

[0178] Determine the recipient: Specify the terminal mobile phone number list to which the prompt message will be sent. The operator platform will send the message to the corresponding terminal device through the core network based on these mobile phone numbers. During the sending process, the network will identify the capabilities of the terminal device and determine whether it supports 5G messages and flash messages. If the device supports it, the 5G message content will be sent in the pop-up screen mode of flash messages; if it does not support 5G messages, it may be sent in the form of traditional SMS or downgraded messages. The sending results are shown below: Figure 2 shown.

[0179] Send via a third-party platform (cooperate with operators):

[0180] Third-party platform integration: Choose a professional third-party messaging platform that has a cooperative relationship with the operator. These platforms usually have integrated the sending functions of 5G messages and flash messages, and have a more user-friendly interface and more flexible message configuration tools.

[0181] The sender registers an account and logs in on a third-party platform. Figure 3 On the page shown, complete identity authentication and business association (business association with the operator). For example, some platforms may require the sender to provide an API key authorized by the operator to ensure the legitimacy of the message sending.

[0182] Message creation and sending: Create prompt messages based on prompt message templates on third-party platforms, and also design them according to the format requirements of 5G messages. Set display rules for flash messages, such as whether to allow customers to quickly close the pop-up screen, and operation guidance after the pop-up screen.

[0183] Select the terminal mobile phone number to be sent, and the third-party platform will send the message to the target terminal device through the interface with the operator. During the sending process, the platform will interact with the operator's network and send the prompt information in the most appropriate way (flash message + 5G message) according to the support of the terminal device.

[0184] Develop a custom sending system (for companies with strong technical capabilities): System development and interface docking: The company's own technical team develops a message sending system that needs to be connected to the operator's 5G message and flash message sending interface. This involves the understanding and implementation of network communication protocols. For example, you need to be familiar with the HTTP / HTTPS-based interface protocol provided by the operator for sending message requests and receiving feedback. During the development process, it is necessary to ensure that the system can correctly convert prompt information into a format that complies with the 5G message standard, and can set the relevant parameters of the flash message. This may require reference to the GSMARCS standard document and the operator's flash message technical specifications.

[0185] Message sending and monitoring: Through the developed system, the prepared prompt information in the 5G message format is sent to the designated terminal mobile phone number. The system should be able to monitor the status of message sending in real time, such as successful sending, sending failure, terminal device reception, etc. In the case of sending failure, it can be retried in time or the cause of the error can be recorded for subsequent analysis and processing. At the same time, according to the information feedback from the terminal device, such as whether it supports 5G messages and flash messages, the subsequent sending strategy is adjusted.

[0186] S103: When it is detected that the target customer clicks the application button, the loan application page corresponding to the link is entered.

[0187] In this embodiment, the prompt information template may design other buttons in addition to the application button, for example, a button for contacting the loan platform / institution, which may be named "official phone number". The customer can contact the loan platform / institution by clicking the button and further consult the loan product. When it is detected that the target customer clicks the application button, the user is redirected to the loan application page corresponding to the link and enters the loan application process. The target customer is usually required to enter personal information to register or log in, and can fill in the online loan application form after successful login.

[0188] S104: When it is detected on the loan application page that the target customer submits a loan application, the loan application submitted by the target customer is approved and a loan approval result is generated.

[0189] In this embodiment, the loan application page is provided with a submit button. If the target customer has completed the online loan application form, the submit button can be clicked to submit the loan application. The loan application can be submitted to the backend of the loan platform / institution, and can be approved by a manual or automatic approval system to generate a loan approval result. The loan approval result includes approval or failure. The loan approval can be carried out using conventional loan approval methods in the field. For example, risk assessment and prediction can be carried out based on the customer's loan application information, combined with big data and artificial intelligence technology, including analysis of the customer's basic information, behavioral data, credit record, etc., to obtain a credit score. When the credit score is greater than or equal to a preset threshold, it is determined that the loan application is approved. When the credit score is less than the preset threshold, it is determined that the loan application is not approved. The preset threshold can be designed and modified according to actual conditions.

[0190] As an example, during the approval stage, internal data (historical loan records, loan purposes, credit scores, financial information) and external data (data provided by third-party data agencies, such as credit reports from credit reporting agencies and business operating data from industry data platforms) can be evaluated and combined with manual review to obtain loan approval results.

[0191] During the approval stage, internal data can be used for evaluation: the loan platform / institution will use its own accumulated customer data, including the customer's historical loan records, repayment status, loan purpose, credit score, financial information, etc., to evaluate the customer's credit risk. At the same time, combined with all the information collected during the loan application process, such as loan purpose, financial information, and completeness of the provided information, a comprehensive analysis is conducted through the internal risk assessment model.

[0192] The credit score is a value based on the customer's past credit behavior, reflecting the degree of credit risk. Generally speaking, the higher the credit score, the more likely the customer is to repay on time, and the credit risk is relatively low. For example, if the credit score is above 700 points (the standards of different scoring systems may be different), the customer has a good credit performance under normal conditions.

[0193] Analyze the customer's historical loan records, including the number of loans, the total amount of loans, whether there is a record of overdue payments, and the duration and frequency of overdue payments. If the customer has a record of repaying the loan on time and in full many times, and there is no overdue payment or only a small amount of short-term overdue payments, it shows that the customer has good repayment habits and credit awareness, and will receive a good evaluation in credit risk assessment. For example, a customer has three loan experiences in the past five years, all of which were repaid on time, and there was no overdue day exceeding 30 days, which is a favorable factor for his loan application this time.

[0194] For personal consumption loans, it is necessary to determine whether the application purpose (such as purchasing home appliances, traveling, etc.) is real and in line with common sense; for corporate loans, it is necessary to analyze whether the loan funds are used for production and operation in a reasonable manner and whether they are conducive to the normal operation and development of the enterprise. For example, if a company applies for a loan to purchase raw materials to meet production order requirements, this is a relatively reasonable use.

[0195] Evaluate the financial information provided by the customer, such as personal income, assets and liabilities, corporate revenue, profit, debt-to-asset ratio, etc. For personal loans, if the customer has a stable income and a light debt burden (such as a debt-to-income ratio of less than 50%), and has sufficient ability to repay the principal and interest of the loan, it is more favorable in terms of financial risk assessment. For corporate loans, if the company's revenue is growing steadily, the profit is considerable, and the debt-to-asset ratio is within a reasonable range (such as a general manufacturing company's debt-to-asset ratio of 50%-70% is more reasonable), it means that the company's financial situation is good and its repayment ability is strong.

[0196] At the same time, we check the completeness of the information provided by the customer. An application with complete and accurate information can better reflect the customer's true situation and facilitate a comprehensive assessment. If key information is missing or the information is unclear, it will increase the difficulty and uncertainty of the assessment and have an adverse impact on the approval result.

[0197] When a customer performs well in internal data assessments such as credit score, historical loan record, loan purpose, financial status, and no false information or other abnormalities are found, the loan platform / institution will determine that the application is approved.

[0198] During the approval stage, external data (optional) can also be used for evaluation: loan platforms / institutions may refer to data provided by third-party data agencies, such as credit reports from credit reporting agencies, business operation data from industry data platforms, etc. These external data can provide loan platforms / institutions with a more comprehensive perspective and help them more accurately assess loan risks.

[0199] During the approval stage, manual review (in some cases) can also be used: for some complex loan applications, such as large loans, high-risk loans, or applications with questionable system assessments, the loan platform / institution may arrange manual review. The reviewer will carefully review all the information submitted by the customer and may further verify the authenticity of the information through telephone follow-up visits, on-site investigations, etc.

[0200] In addition, the loan approval result can be obtained through comprehensive evaluation through the above three methods. For example, when the customer performs well in internal data evaluation such as credit score, historical loan record, loan purpose, financial status, etc., and no obvious risk is found in external data reference, and manual review does not find false information or other abnormalities, the loan platform / institution will determine that the approval is passed. For example, an individual customer with a high credit score, stable income and assets, and reasonable loan purpose applies for a consumer loan, and there is no bad record in the credit report, and the information is complete and true and valid after manual review, then the customer's loan application will be approved. For corporate loans, if the company is in good financial condition, has stable operating data, is competitive in the industry, and the on-site investigation finds that the company is operating normally and the purpose of the loan funds is clear and reasonable, its loan application will also be approved.

[0201] S105: Send the loan approval result to the terminal device corresponding to the terminal mobile phone number according to a preset method.

[0202] In this embodiment, the loan approval result can be sent to the terminal device corresponding to the terminal mobile phone number by combining 5G messages and flash messages. At the same time, relevant information of the loan product, such as loan amount, loan term, loan purpose, repayment date, repayment method, etc., can also be sent to the terminal device corresponding to the terminal mobile phone number by combining 5G messages and flash messages.

[0203] S106: When the purchase of a loan product is determined based on the loan approval result, the loan funds are disbursed to the loan account according to the loan disbursement process corresponding to the loan product, and the account arrival information is sent to the terminal device corresponding to the terminal mobile phone number according to a preset method.

[0204] In this embodiment, when the loan approval result is approved, it can be determined whether the loan product has been purchased by whether the loan contract has been signed. After the loan approval result is approved, if the loan contract has been signed, it can be determined that the target customer has purchased the loan product. After the loan approval result is approved, if the loan contract has not been signed, it can be determined that the target customer has not purchased the loan product.

[0205] When the loan approval result is failure, the reason for failure can be sent at the same time as the loan approval result. The target customer can modify the loan application or reapply for the loan based on the reason for failure.

[0206] When the target customers are determined to purchase loan products, the loan funds will be disbursed to the loan account according to the loan disbursement process corresponding to the loan product, and the account arrival information will be sent to the terminal device corresponding to the terminal mobile phone number based on a combination of 5G messages and flash messages.

[0207] Figure 4It is a flowchart of another loan information prompting method according to an embodiment of the present invention.

[0208] like Figure 4 As shown, another loan information prompting method provided by an embodiment of the present invention includes:

[0209] S201: Fill in the prompt information template on the online platform provided by the operator and submit the registration application.

[0210] The first case: When the registration application is approved, you will receive a successful registration notification from the operator.

[0211] The second situation: When the filing application fails to pass the review, receive the filing failure notification sent by the operator. The filing failure notification includes the reason for the failure. Modify the filing application based on the reason for the failure in the filing failure notification until receiving the filing success notification sent by the operator.

[0212] In this embodiment, before generating the prompt information, it is necessary to report the prompt information template to the operator. In this field, online reporting can be used to report and fill in the prompt information template according to the format requirements of the operator's online platform.

[0213] Some operators have a dedicated enterprise SMS service reporting platform. You need to register a corporate account on their official website and fill in the reporting information according to the system prompts after logging in. Generally, it includes basic information of the company (name, address, contact information, etc.), prompt information template content, sending purpose, expected sending volume, etc. Upload the prepared qualification certification materials, such as a scanned copy of the business license, a photo of the legal person's ID card, etc., and then submit the reporting application.

[0214] You can also report offline. If you use a third-party SMS mass messaging platform, the platform may assist in reporting. Provide the prepared prompt information template and enterprise qualification materials to the platform, and the platform will submit the relevant information to the operator for review based on its cooperation channels with the operator.

[0215] S202: Generate prompt information based on the prompt information template pre-reported to the operator. For details, refer to the relevant description of S101, which will not be repeated here. S203: Send the prompt information to the terminal device corresponding to the terminal mobile phone number according to the preset method. For details, refer to the relevant description of S102, which will not be repeated here.

[0216] S204: When it is detected that the target customer clicks the application button, the loan application page corresponding to the link is entered. For details, please refer to the relevant description of S103, which will not be repeated here.

[0217] S205: Enter the loan application process. The loan application process includes the target customer registering by entering personal information, filling out the online loan application form after successful registration, and clicking the submit button.

[0218] In this embodiment, the high-speed transmission and big data analysis capabilities of 5G technology can be used to pre-fill part of the loan application information in advance based on the customer's identity information at the operator, corporate information (if it is a corporate loan) and other data, reducing the workload of the customer's manual input. For example, the customer's basic identity information, the company's registration information, etc. can be automatically filled in, and the customer only needs to check and supplement some key information. Through cooperation with other third-party data platforms, such as the tax system (for corporate loans, tax information can be obtained), the industrial and commercial system (obtaining information such as corporate operating conditions), etc., relevant data can be intelligently collected to further enrich the customer's information dimension, improve the accuracy and completeness of the application information, and provide a more reliable basis for subsequent approval.

[0219] The online loan application form includes basic information of individuals or enterprises, such as name, age, contact information, company name, registered address, etc.; loan demand information such as loan amount, loan purpose, loan term, etc.; and financial information such as income and asset status.

[0220] The online loan application form includes filled in and unfilled content. The filled in content can be basic information of individuals or enterprises, etc. Customers only need to verify it, and do not need to input it, which avoids the cumbersome application process. The unfilled content can be certificate materials, loan purpose description, financial information, other auxiliary materials uploaded, etc. When performing identity authentication, some loan platforms / institutions may use biometric technology to enhance the security of identity authentication. For example, by calling the fingerprint recognition or facial recognition function of the mobile phone, it is confirmed that the person operating the loan application is the customer himself. This link can effectively prevent fraud such as identity impersonation.

[0221] S206: When the target customer submits a loan application on the loan application page, the loan application submitted by the target customer is approved and a loan approval result is generated. For details, refer to the relevant description of S104, which will not be repeated here.

[0222] S207: Send the loan approval result to the terminal device corresponding to the terminal mobile phone number according to the preset method. For details, refer to the relevant description of S105, which will not be repeated here.

[0223] S208: When the loan approval result is approved, determine whether to purchase the loan product.

[0224] When the loan approval result is not approved, determine whether to resubmit the loan application.

[0225] In this embodiment, as an example, when the loan approval result is approved, it can be determined whether the loan product has been purchased by whether the loan contract has been signed. After the loan approval result is approved, if the loan contract has been signed, it can be determined that the target customer has purchased the loan product. After the loan approval result is approved, if the loan contract has not been signed, it can be determined that the target customer has not purchased the loan product.

[0226] When the loan approval result is failure, the reason for failure can be sent at the same time as the loan approval result. The target customer can modify the loan application or reapply for the loan based on the reason for failure.

[0227] S209: When the purchase of the loan product is determined according to the loan approval result, the loan funds are issued to the loan account according to the loan disbursement process corresponding to the loan product, and the receipt information is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method. For details, please refer to the relevant description of S106, which will not be repeated here.

[0228] In an optional implementation manner, after sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the loan information prompting method further includes:

[0229] Monitor the flow and use of loan funds.

[0230] When it is determined based on the flow and use of loan funds that the loan funds are illegally used for high-risk investments or non-agreed purposes, a violation reminder message is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method. The violation reminder message is used to remind the target customer that there is a risk of illegal use of loan funds.

[0231] In this embodiment, a loan platform / institution, such as XXX Bank, can monitor the customer's loan usage in real time through 5G messages or flash messages, and perform subsequent loan management based on the monitoring results, such as collection and reminders.

[0232] In this embodiment, by effectively monitoring the flow and use of loan funds, it is possible to detect at the first time whether the loan funds are illegally used for high-risk investments (such as stocks, futures, virtual currencies and other high-volatility, high-risk areas) or non-agreed purposes (such as the loan is used for corporate production and operation funds, but is actually diverted to personal consumption, etc.). For example, the loan platform / institution establishes a data sharing and monitoring mechanism with payment institutions, financial regulatory systems, etc. When the loan funds flow to a specific account or industry category that does not comply with the loan contract agreement, it can quickly capture abnormal signals, providing the possibility of taking timely measures. Once the illegal use behavior is discovered and the illegal reminder information is sent to the customer in a timely manner, it helps to prevent the customer from further illegal operations and avoid greater losses of loan funds, thereby effectively reducing the default risk faced by the loan platform / institution. For example, if the customer stops investing funds in high-risk investment areas after receiving the illegal reminder, it reduces the possibility of being unable to repay the loan due to investment failure, and ensures the safety and recovery expectations of the loan platform / institution's funds. The illegal reminder information can make customers clearly understand that their behavior violates the loan contract agreement and relevant financial regulations, so that they pay more attention to the compliant use of loan funds. After clearly informing customers of the risk of illegal use, customers are given an opportunity to correct their wrong behavior. Customers can adjust the use of funds in a timely manner according to the prompt information to make it consistent with the agreed purpose of the loan, thereby ensuring the normal operation of the loan business.

[0233] In an optional implementation manner, after sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the loan information prompting method further includes:

[0234] Within the preset time range before the repayment date, a repayment reminder message is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method. The repayment reminder message is used to remind the target customer of the repayment date, repayment amount and repayment method.

[0235] In this embodiment, the preset time range can be designed and modified according to actual needs. Within the preset time range before the repayment date, a repayment reminder message is sent to the terminal device corresponding to the terminal mobile phone number according to a combination of 5G messages and flash messages to remind the target customer to repay in time to avoid overdue.

[0236] In an optional implementation manner, after sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the loan information prompting method further includes:

[0237] The account status prompt information is sent to the terminal device corresponding to the terminal mobile phone number in a preset manner according to the preset period. The account status prompt information is used to prompt the target customer's loan account status. The loan account status includes balance changes and interest calculations.

[0238] In this embodiment, by sending the balance change information of the loan account to the customer at a preset period (such as daily, weekly or monthly), the customer can understand the dynamic situation of the funds in his loan account in real time. For example, the customer can clearly know the impact of each repayment, interest deduction or possible early repayment on the account balance, which is convenient for him to carry out personal or corporate financial planning and fund overall arrangement. The interest calculation situation is included in the account status prompt information, so that the customer can see the generation and accumulation process of the loan interest at a glance. The customer can intuitively see the calculation basis of each interest period (such as principal balance, interest rate, interest calculation period and other factors), which helps to enhance the customer's cognition and understanding of the loan cost and avoid misunderstandings or disputes due to unclear interest calculation methods. For example, after receiving the interest calculation prompt, the customer can check with the interest rate and interest calculation method agreed in the loan contract to ensure that the loan platform / institution calculates accurately, and can also better plan the repayment plan and arrange the financial budget reasonably according to the interest expenditure situation. If the customer finds that there is an abnormality in the balance change or interest calculation in the account status prompt information, he can contact the loan platform / institution in time and verify and solve it. This timely communication mechanism helps to quickly discover and correct possible errors or problems, and avoid the accumulation of problems that lead to greater customer dissatisfaction or financial losses. By sending account status reminders to customers, loan platforms / institutions are actually indirectly monitoring and warning risks. For example, if the balance of a customer's loan account continues to decrease and approaches the default threshold, the loan platform / institution can pay attention to and evaluate the changes in the customer's repayment ability in advance, and take timely risk prevention measures, such as communicating with customers to negotiate and adjust repayment plans, increase guarantee measures, or start collection procedures in advance, etc., to reduce the loan default risk of the loan platform / institution.

[0239] The technical solution of the present invention integrates multi-channel contact technology: combining 5G messages with flash messages, using the rich multimedia display capabilities of 5G messages and the strong reminder characteristics of flash messages, to build a unique loan contact model. It can quickly attract customer attention and improve the efficiency and effectiveness of loan information transmission.

[0240] Personalized content push: Based on customer characteristics and behavior data, personalized loan product information and preferential plans are customized for different customers through 5G messages and flash messages. Accurate reach and precision marketing are achieved to increase customer interest and participation in loan products.

[0241] Real-time interaction and guidance: With the interactive function of 5G messages, customers can perform simple operations and inquiries directly in the message interface to obtain more loan-related information in real time. At the same time, through the cleverly designed guidance process, customers can understand and apply for loans more smoothly.

[0242] Data-driven strategy optimization: Through in-depth analysis of data from 5G messaging and flash messaging customer contact, we continuously optimize customer contact strategies, including sending timing, content design, channel selection, etc., to improve the success rate and effect of customer contact and increase the conversion rate of loan business.

[0243] Enhanced customer experience: Abandoning the traditional complex and cumbersome loan promotion methods, the concise and intuitive presentation of 5G messages and flash messages makes it easier for customers to understand and accept loan information. In addition, the customer experience is emphasized during the interaction process, making customers feel convenient and considerate.

[0244] Cross-platform compatibility: The technical solution of the present invention can achieve good compatibility on a variety of smart terminal devices. No matter what mobile phone system the customer uses, it can ensure the consistency and stability of the customer contact effect, thereby expanding the scope of customer contact and the audience group.

[0245] Deep integration with loan platforms / institutions: Closely integrate the characteristics and advantages of loans, highlight their unique selling points and value through 5G messages and flash messages, enhance the competitiveness and attractiveness of loan platforms / institutions and loan products in the market, and promote the rapid development of loan business.

[0246] The purpose of this invention is to provide a loan contact method based on 5G messages and flash messages, aiming to improve customer reach, loan approval efficiency, reduce loan risks, enhance customer experience, and further promote the digital transformation of loan platform / institutional business.

[0247] The technical solutions of the present invention are summarized as follows:

[0248] Loan platforms / institutions send loan promotion information and links to existing or new customers through 5G messaging or flash messaging;

[0249] The customer initiates a loan application to a loan platform / institution through 5G messaging or flash messaging, for example, and the loan platform / institution receives and parses the customer's loan application;

[0250] The loan platform / institution uses big data and artificial intelligence technology to conduct risk assessment and prediction based on the customer's loan application and generate loan approval results;

[0251] The loan platform / institution will provide real-time feedback of the loan approval results to the customer through 5G messaging or flash messaging. If the loan is approved, the loan funds will be disbursed, and the customer will be notified of the loan disbursement information at the same time;

[0252] The customer chooses whether to accept the loan based on the loan approval result fed back by the loan platform / institution. If accepted, the customer will receive the loan in accordance with the loan disbursement method specified by the loan platform / institution;

[0253] Loan platforms / institutions use 5G messages or flash messages to monitor customers' loan usage in real time, including the flow and usage of loan funds, and perform subsequent loan management based on the monitoring results, such as collection and reminders.

[0254] The loan platform / institution sends relevant information about loan products to customers through 5G messages or flash messages, including loan amount, loan term, loan purpose, etc.

[0255] The advantages of the technical solution of the present invention are:

[0256] Solve the following problems: At present, the customer contact and notification of loan platforms / institutions are mainly based on ordinary text messages, which have low contact rates and delays. Customers' mobile terminals are also generally installed with anti-harassment software, and there are problems such as channel restrictions, content restrictions, and word count restrictions, which ultimately lead to poor customer contact effects, such as invalid contact and low click-through rates, which ultimately cause the conversion chain of loan platforms / institutions to be too long. Utilize the high-speed and low-latency characteristics of 5G messages and flash messages to realize the real-time and automated loan approval process and improve loan approval efficiency;

[0257] Combining big data and artificial intelligence technology to achieve effective control of loan risks and reduce loan risks;

[0258] Innovate loan service models, improve customer experience, and enable loan applications to be made anytime and anywhere;

[0259] Strengthen follow-up loan management, improve loan recovery rate, and reduce the non-performing loan rate of loan platforms / institutions.

[0260] The innovative loan contact method of the present invention can be widely used in various business scenarios and has broad market prospects and application value.

[0261] Application convenience:

[0262] Multi-channel application entrance:

[0263] Traditional loan applications may mainly rely on channels such as the official website of the loan platform / institution, mobile banking APP or offline outlets. In this innovative solution, with the help of 5G messages and flash messages, customers can directly receive push information about loan products on the mobile SMS interface and quickly enter the loan application page by clicking on a link, without having to download an APP or go to an offline outlet, which greatly improves the convenience of application. For example, after receiving a 5G message push of a loan product, customers can start the application process directly in the message window.

[0264] The strong reminder function of Flash Message can ensure that customers receive relevant information about their loan applications in a timely manner, avoid missing important notifications, and improve the timeliness of applications.

[0265] Information pre-filling and intelligent collection:

[0266] By leveraging the high-speed transmission and big data analysis capabilities of 5G technology, the system can pre-fill part of the loan application information in advance based on the customer's identity information at the operator, corporate information (if it is a corporate loan), and other data, reducing the workload of customers entering information manually. For example, the customer's basic identity information and the company's registration information can be automatically filled in, and the customer only needs to check and supplement some key information.

[0267] Through cooperation with other third-party data platforms, such as the tax system (which can obtain tax information for corporate loans) and the industrial and commercial system (which can obtain information such as corporate operating conditions), relevant data can be intelligently collected to further enrich the customer's information dimension, improve the accuracy and completeness of application information, and provide a more reliable basis for subsequent approval.

[0268] 24 / 7 service: We provide 1-on-1 service 24 / 7, so that loan application and approval can be done at any time, greatly improving the accessibility and convenience of the service.

[0269] Disintermediation: By automatically matching the expected discounts of buyers and sellers, the interests of both parties are maximized, the loan process is simplified, and efficiency is improved.

[0270] Self-control: Allowing customers to make their own quotes and set their expected interest rates, payment dates, etc., enhances their sense of control and satisfaction.

[0271] Fully online operation: The loan application and approval process is completely online, eliminating the need to provide large amounts of paper documents, making the operation simpler and faster.

[0272] Loans are issued in seconds: After system review, loans can be issued in seconds, which greatly shortens the loan issuance time.

[0273] Application of 5G technology: The application of 5G messaging technology provides the financial industry with a low-cost channel to reach customers, improves the online business experience, and brings higher customer conversion rates.

[0274] The application of flash messages and SMS reminders in the loan business of loan platforms / institutions does have some unconventional highlights and applications. These applications mainly include:

[0275] Instant notification and interaction: 5G messaging technology provides instant notification and interaction capabilities, allowing loan platforms / institutions to communicate with customers in a faster and more direct way. This immediacy is particularly important for the transmission of key information in the loan application and approval process, ensuring that customers receive relevant loan status updates and notifications as soon as possible.

[0276] Personalized services: Through 5G messaging technology, loan platforms / institutions can provide personalized services based on customers’ specific needs and preferences. For example, loan platforms / institutions can send customized loan recommendations and promotional information based on customers’ historical transaction data and behavior patterns, thereby improving customer satisfaction and conversion rates.

[0277] Security and identity verification: 5G messaging combines artificial intelligence technologies such as image recognition, liveness detection, and OCR to provide more accurate customer identity verification and improve the security of online business. For example, during the loan application process, loan platforms / institutions can use 5G messaging for identity verification to ensure the authenticity of customer identities and the security of loan applications.

[0278] Automation and efficiency improvement: The application of 5G messages can automate the loan application and approval process, shorten the transaction chain, and improve business processing efficiency. For example, loan platforms / institutions can automatically send loan approval results through 5G messages without manual intervention, thus saving time and human resources.

[0279] Customer service and support: 5G messaging technology can provide 24 / 7 customer service and support. For example, loan platforms / institutions can provide 724-hour 1-on-1 services through 5G messaging to solve any questions or problems customers have during the loan process and improve customer experience.

[0280] 1. Highlights and applications of flash messages:

[0281] High-priority reminders: Flash messages have the characteristics of high-priority display, which can ensure that customers notice the loan information of loan platforms / institutions at the first time. Compared with ordinary SMS, flash messages will not be submerged in numerous notifications, greatly improving the information reach rate. For example, when a loan platform / institution launches a new loan product or promotion, the customer can quickly attract attention even when busy by sending notifications through flash messages. At key nodes of loan approval, such as successful application submission, approval progress update, approval result notification, etc., flash messages can remind customers in time, allowing customers to grasp the loan dynamics in real time and avoid delays caused by missing important information.

[0282] Instantaneity and interactivity: Flash messages are sent and received almost instantly, which is very valuable for emergency situations or time-sensitive operations in the loan business. For example, if there is a problem with a customer's loan application information, the loan platform / institution can immediately notify the customer through a flash message to make supplements or modifications, and the customer can respond quickly, greatly shortening the communication and processing time. Flash messages can support simple interactive operations, such as customers can reply to specific keywords to obtain more loan information, confirm receipt of notifications, or take the next step. This interactivity enhances the communication efficiency between customers and loan platforms / institutions and improves customer experience.

[0283] Security authentication and identity verification: During the loan application process, Flash Message can be used to send security verification codes or identity verification information. Due to the high priority and immediacy of Flash Message, customers can quickly receive and enter verification codes to ensure the security and authenticity of loan applications. For example, when a customer applies for a loan online, the loan platform / institution sends a Flash Message verification code for identity verification to prevent fraud. Flash Message can also be used to remind customers to pay attention to account security, such as notifying customers in a timely manner when abnormal logins or transactions are found, and guiding customers to take corresponding security measures.

[0284] 2. Highlights and applications of SMS reminders:

[0285] Personalized push and marketing: Use big data to analyze customers' loan needs and behavioral characteristics, and make personalized loan product recommendations through SMS reminders. For example, based on the customer's credit record, financial information, loan history and other information, send customers suitable loan products to improve the accuracy and effectiveness of marketing. Combined with the customer's life cycle and specific scenarios, such as customers buying houses, cars, and corporate expansion, send targeted loan discount information and service suggestions to meet customers' funding needs at different stages.

[0286] Post-loan management and services: After the loan is issued, SMS will remind customers of important information such as the repayment date and repayment amount, helping customers to make repayment plans and avoid overdue repayments. At the same time, it can provide introductions and guidance on various repayment methods to facilitate customers to choose the repayment method that best suits them. Regularly send notifications of loan account status to customers, such as balance changes, interest calculations, etc., so that customers can keep abreast of their loan status. When customers have difficulty repaying, SMS reminders will be sent in a timely manner and solutions will be provided, such as deferred repayment, adjustment of repayment plans, etc., reflecting the humanized services of the loan platform / institution.

[0287] Customer care and feedback: Use SMS reminders to send holiday greetings, birthday greetings and other caring messages to customers to enhance the emotional connection between customers and loan platforms / institutions. At the same time, customers can be invited to participate in satisfaction surveys or feedback so that loan platforms / institutions can continuously improve the quality of loan products and services. When customers encounter problems or have complaints, they can be promptly replied to via SMS to inform them of the progress and results of the handling, thereby improving customer satisfaction and trust.

[0288] Currently, XXX Bank's main customer contact channel is ordinary text messages. According to statistics from previous years, its opening rate and link click rate are only around 1% and 0.1% respectively.

[0289] After three tests in a purely online production environment, the sending efficiency of 5G messages and flash messages has been greatly improved compared to ordinary SMS, and the click-through rate and open rate are significantly better than ordinary SMS. The test results of the first phase are as follows: Figure 5 The test results of the second phase are shown in Figure 6 The test results of the third phase are shown in Figure 7 shown.

[0290] It should be noted that the contents not described in detail in the specification of the present invention belong to the common knowledge of those skilled in the art.

[0291] In the technical solution of the present invention, all the collection work involving customer identity information, credit data, etc., the prompt information of the loan application generated according to the prompt information template, the loan approval result, the violation prompt information, the repayment prompt information, the account status prompt information, etc., which are sent according to the preset method, are carried out in strict accordance with relevant laws, regulations and regulatory requirements. For example, before data collection, ensure that the customer's explicit authorization has been obtained, fully inform the customer of the purpose, scope, use method and data security measures of the data collection and other key information, and obtain data through legal and compliant channels and processes. At the same time, according to the relevant provisions and industry norms on personal information protection, establish a sound data collection management system and security protection system, encrypt and store the collected data, strictly control access and conduct regular security audits, so as to effectively protect the legality, security and integrity of customer data, so that the entire data collection process is completely within the framework of legality and compliance.

[0292] In this embodiment, a loan information prompt device is also provided. A single device is used to implement the above embodiment and optional implementation methods. The descriptions that have been made will not be repeated. As used below, the term "module" can be a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0293] Figure 8 It is a structural schematic diagram of a loan information prompting device according to an embodiment of the present invention.

[0294] The present invention provides a loan information prompting device, such as Figure 8 As shown, the loan information prompting device includes:

[0295] The first processing module 11 is used to generate prompt information based on a prompt information template pre-reported to the operator.

[0296] The prompt information template includes: title, description, button name, signature, link and multimedia material. The title is used to indicate the name of the loan product, and the description is used to indicate the method of obtaining the loan product in the title. The button name is used to indicate that the loan application operation is performed by clicking the application button. The signature is used to indicate the source of the prompt information. The link is the application link corresponding to the loan product. The multimedia material is in picture format and is used to display relevant information of the loan product.

[0297] The second processing module 12 is used to send the prompt information to the terminal device corresponding to the terminal mobile phone number according to a preset method. The preset method is a combination of 5G message and flash message.

[0298] The third processing module 13 is used to enter the loan application page corresponding to the link when it is detected that the target customer clicks the application button.

[0299] The fourth processing module 14 is used to review and approve the loan application submitted by the target customer and generate a loan review result when it is detected on the loan application page that the target customer has submitted a loan application.

[0300] The fifth processing module 15 is used to send the loan approval result to the terminal device corresponding to the terminal mobile phone number according to a preset method.

[0301] The sixth processing module 16 is used to disburse the loan funds to the loan account according to the loan disbursement process corresponding to the loan product when the loan product is determined to be purchased according to the loan approval result, and send the arrival information to the terminal device corresponding to the terminal mobile phone number according to a preset method.

[0302] In an optional implementation, the loan information prompting device further includes: a reporting module.

[0303] The reporting module is used to fill in the prompt information template on the online platform provided by the operator and submit the reporting application before generating the prompt information based on the prompt information template pre-reported to the operator. When the reporting application is reviewed and approved, the reporting success notification sent by the operator is received. When the reporting application is not reviewed and approved, the reporting failure notification sent by the operator is received. The reporting failure notification includes the reason for the failure of the review. The reporting application is modified based on the reason for the failure of the review in the reporting failure notification until the reporting success notification sent by the operator is received.

[0304] In an optional implementation, the loan information prompting device further includes: a purchase confirmation module.

[0305] The purchase confirmation module is used to determine whether to purchase the loan product if the loan approval result is approved after sending the loan approval result to the terminal device corresponding to the terminal mobile phone number according to a preset method. If the loan approval result is not approved, determine whether to resubmit the loan application. The loan approval result includes approval or not approved.

[0306] In an optional implementation, the loan information prompting device further includes: a loan application module.

[0307] The loan application module is used to enter the loan application process after entering the corresponding loan application page when detecting that the target customer clicks the application button. The loan application process includes the target customer registering by entering personal information, filling out the online loan application form after successful registration, and clicking the submit button.

[0308] In an optional implementation, the loan information prompting device further includes: a monitoring module.

[0309] The monitoring module is used to monitor the flow and use of loan funds after sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method. When it is determined that the loan funds are illegally used for high-risk investment or non-agreed purposes according to the flow and use of the loan funds, a violation prompt information is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method. The violation prompt information is used to remind the target customer that there is a risk of illegal use of loan funds.

[0310] In an optional implementation, the loan information prompting device further includes: a repayment reminder module.

[0311] The repayment reminder module is used to send a repayment reminder message to the terminal device corresponding to the terminal mobile phone number according to a preset method within a preset time range before the repayment date after the account arrival information is sent to the terminal device corresponding to the terminal mobile phone number according to a preset method. The repayment reminder message is used to remind the target customer of the repayment date, repayment amount and repayment method.

[0312] In an optional implementation, the loan information prompting device further includes: a regular reminder module.

[0313] The periodic reminder module is used to send account status prompt information to the terminal device corresponding to the terminal mobile phone number in a preset manner according to a preset period after the account arrival information is sent to the terminal device corresponding to the terminal mobile phone number in a preset manner. The account status prompt information is used to prompt the target customer's loan account status. The loan account status includes balance changes and interest calculations.

[0314] The further functional description of each of the above modules and units is the same as that of the above corresponding embodiments and will not be repeated here.

[0315] The loan information prompt device in this embodiment is presented in the form of a functional unit, where the unit refers to an ASIC (Application Specific Integrated Circuit) circuit, a processor and memory that executes one or more software or fixed programs, and / or other devices that can provide the above functions.

[0316] The embodiment of the present invention also provides a computer device having the above Figure 8 The loan information prompting device shown.

[0317] See also Fig. 9 , Fig. 9 Schematic diagram of the hardware structure of the computer device according to the embodiment of the present invention. Fig. 9 As shown, the computer device includes: one or more processors 10, a memory 20, and interfaces for connecting various components, including high-speed interfaces and low-speed interfaces. Various components are connected to each other using different buses for communication, and can be installed on a common mainboard or installed in other ways as needed. The processor can process instructions executed in the computer device, including instructions stored in or on the memory to display the graphical information of the GUI on an external input / output device (such as a display device coupled to the interface). In an optional embodiment, if necessary, multiple processors and / or multiple buses can be used together with multiple memories and multiple memories. Similarly, multiple computer devices can be connected, and each device provides some necessary operations (for example, as a server array, a group of blade servers, or a multi-processor device). Fig. 9 A processor 10 is taken as an example.

[0318] The processor 10 may be a central processing unit, a network processor or a combination thereof. The processor 10 may further include a hardware chip. The hardware chip may be a dedicated integrated circuit, a programmable logic device or a combination thereof. The programmable logic device may be a complex programmable logic device, a field programmable gate array, a general purpose array logic or any combination thereof.

[0319] The memory 20 stores instructions executable by at least one processor 10, so that at least one processor 10 executes the method shown in the above embodiment.

[0320] The memory 20 may include a program storage area and a data storage area, wherein the program storage area may store an operating device, an application required for at least one function. The data storage area may store data created according to the use of the computer device, etc. In addition, the memory 20 may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage devices. In an optional embodiment, the memory 20 may optionally include a memory remotely arranged relative to the processor 10, and these remote memories may be connected to the computer device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0321] The memory 20 may include a volatile memory, such as a random access memory. The memory may also include a non-volatile memory, such as a flash memory, a hard disk or a solid state drive. The memory 20 may also include a combination of the above-mentioned types of memory.

[0322] The computer device further comprises a communication interface 30 for the computer device to communicate with other devices or a communication network.

[0323] The embodiment of the present invention also provides a computer-readable storage medium. The method according to the embodiment of the present invention can be implemented in hardware, firmware, or can be implemented as a computer code that can be recorded in a storage medium, or can be implemented as a computer code that is originally stored in a remote storage medium or a non-temporary machine-readable storage medium and will be stored in a local storage medium through a network download, so that the method described herein can be stored in such software processing on a storage medium using a general-purpose computer, a dedicated processor, or programmable or dedicated hardware. Among them, the storage medium can be a disk, an optical disk, a read-only storage memory, a random access memory, a flash memory, a hard disk or a solid-state hard disk, etc. Further, the storage medium can also include a combination of the above-mentioned types of memories. It can be understood that a computer, a processor, a microprocessor controller, or programmable hardware includes a storage component that can store or receive software or computer code. When the software or computer code is accessed and executed by a computer, a processor, or hardware, the method shown in the above embodiment is implemented.

[0324] A part of the present invention may be applied as a computer program product, such as a computer program instruction, which, when executed by a computer, can call or provide the method and / or technical solution according to the present invention through the operation of the computer. Those skilled in the art should understand that the existence of computer program instructions in computer-readable media includes, but is not limited to, source files, executable files, installation package files, etc., and accordingly, the way in which computer program instructions are executed by a computer includes, but is not limited to: the computer directly executes the instruction, or the computer compiles the instruction and then executes the corresponding compiled program, or the computer reads and executes the instruction, or the computer reads and installs the instruction and then executes the corresponding installed program. Here, the computer-readable medium may be any available computer-readable storage medium or communication medium accessible to the computer.

[0325] Although the embodiments of the present invention have been described in conjunction with the accompanying drawings, those skilled in the art may make various modifications and variations without departing from the spirit and scope of the present invention, and such modifications and variations are all within the scope defined by the appended claims.

Claims

1. A loan information prompting method, characterized in that: include: Generate prompt information based on the prompt information template reported to the operator in advance; The prompt information template includes: title, description, button name, signature, link and multimedia material; the title is used to indicate the name of the loan product, the description is used to indicate the method of obtaining the loan product in the title; the button name is used to indicate clicking the application button to apply for a loan; the signature is used to indicate the source of the prompt information; the link is the application link corresponding to the loan product; the multimedia material is in picture format, used to display relevant information of the loan product; Send the prompt information to the terminal device corresponding to the terminal mobile phone number according to a preset method; the preset method is a combination of 5G message and flash message; When it is detected that the target customer clicks the application button, the loan application page corresponding to the link is entered; When the loan application page detects that the target customer has submitted a loan application, the loan application submitted by the target customer is reviewed and approved, and a loan approval result is generated; Sending the loan approval result to the terminal device corresponding to the terminal mobile phone number according to the preset method; When the purchase of a loan product is determined based on the loan approval result, the loan funds are disbursed to the loan account according to the loan disbursement process corresponding to the loan product, and the account arrival information is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method.

2. The method according to claim 1, characterized in that Before generating the prompt information based on the prompt information template pre-registered with the operator, it also includes: Fill in the prompt information template on the online platform provided by the operator and submit the registration application; When the registration application is approved, receiving a registration success notification sent by the operator; When the reporting application fails the review, receiving a reporting failure notification sent by the operator; the reporting failure notification includes the reason for the failure of the review; modifying the reporting application based on the reason for the failure of the review in the reporting failure notification, until receiving a reporting success notification sent by the operator.

3. The method according to claim 1, characterized in that The loan approval result includes approval or failure. After the loan approval result is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes: When the loan approval result is approved, determining whether to purchase the loan product; When the loan approval result is failure to approve, determine whether to resubmit the loan application.

4. The method according to claim 1, characterized in that: When it is detected that the target customer clicks the application button, after entering the loan application page corresponding to the link, the method further includes: Enter the loan application process; the loan application process includes the target customer registering by entering personal information, and after successful registration, filling out the online loan application form and clicking the submit button.

5. The method according to claim 1, characterized in that: After sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes: Monitor the flow and use of the loan funds; When it is determined based on the flow and use of the loan funds that the loan funds are illegally used for high-risk investments or non-agreed purposes, a violation prompt information is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method; the violation prompt information is used to remind the target customer that there is a risk of illegal use of loan funds.

6. The method according to claim 1, characterized in that After sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes: Within a preset time range before the repayment date, a repayment reminder message is sent to the terminal device corresponding to the terminal mobile phone number according to the preset method; the repayment reminder message is used to remind the target customer of the repayment date, repayment amount and repayment method.

7. The method according to claim 1, characterized in that After sending the account arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes: The account status prompt information is sent to the terminal device corresponding to the terminal mobile phone number in the preset manner according to the preset period; the account status prompt information is used to prompt the target customer of the status of the loan account; the status of the loan account includes balance changes and interest calculations.

8. A loan information prompting device, characterized in that: include: A first processing module, configured to generate prompt information based on a prompt information template pre-reported to the operator; The prompt information template includes: title, description, button name, signature, link and multimedia material; the title is used to indicate the name of the loan product, the description is used to indicate the method of obtaining the loan product in the title; the button name is used to indicate clicking the application button to apply for a loan; the signature is used to indicate the source of the prompt information; the link is the application link corresponding to the loan product; the multimedia material is in picture format, used to display relevant information of the loan product; The second processing module is used to send the prompt information to the terminal device corresponding to the terminal mobile phone number according to a preset method; the preset method is a combination of 5G message and flash message; The third processing module is used to enter the loan application page corresponding to the link when detecting that the target customer clicks the application button; A fourth processing module is used to review and approve the loan application submitted by the target customer and generate a loan approval result when the loan application page detects that the target customer has submitted a loan application; A fifth processing module, configured to send the loan approval result to a terminal device corresponding to the terminal mobile phone number according to the preset method; The sixth processing module is used to disburse the loan funds to the loan account according to the loan disbursement process corresponding to the loan product when the loan product is determined to be purchased according to the loan approval result, and send the arrival information to the terminal device corresponding to the terminal mobile phone number according to the preset method.

9. A computer device, characterized in that: include: A memory and a processor, wherein the memory and the processor are communicatively connected to each other, the memory stores computer instructions, and the processor executes the loan information prompting method according to any one of claims 1 to 7 by executing the computer instructions.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a computer to execute the loan information prompting method according to any one of claims 1 to 7.

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