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

Abstract

The present invention relates to the field of Internet financial technology, and discloses a loan information prompt method, device, computer equipment and storage medium. The method includes: generating prompt information based on a prompt information template; sending the prompt information to the terminal device corresponding to the terminal mobile phone number according to a preset method: a combination of 5G messages and flash messages; entering the loan application page when detecting that the target customer clicks the application button; performing approval and generating a loan approval result when detecting that the target customer submits a loan application; sending the loan approval result to the terminal device according to a preset method; when determining to purchase a loan product based on the loan approval result, disbursing the loan funds to the loan account, and sending the account arrival information to the terminal device according to a preset method. Based on the technical solution of the present invention, the target customer can directly enter the loan application page by clicking the button in the prompt information, which simplifies the pre-steps of the application process, reduces customer churn, and improves the information reach rate.

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 rates. 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-through 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: a 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 that clicking the apply button will initiate 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; and the multimedia material is in image format and is used to display relevant information about 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 detecting that a target customer has submitted a loan application on the loan application page, approving the loan application submitted by the target customer and generating a loan approval result;

[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 the loan product is determined based on the loan approval result, the loan funds will be disbursed to the loan account according to the loan disbursement process corresponding to the loan product, and the arrival information will be sent to the terminal device corresponding to the terminal mobile phone number according to the preset method.

[0012] In an optional implementation, before generating the prompt information based on the prompt information template pre-registered with 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 from the operator;

[0015] When the reporting application fails to pass the review, a 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 a reporting success notification sent by the operator is received.

[0016] In an optional embodiment, the loan approval result includes approval or rejection. 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, determining whether to purchase the loan product;

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

[0019] In an optional embodiment, after detecting that the target customer clicks the application button and 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 embodiment, after sending the 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 investment 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 currently a risk of illegal use of loan funds.

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

[0027] An account status prompt message is sent to the terminal device corresponding to the terminal mobile phone number in the preset manner according to a preset period; the account status prompt message 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 calculation.

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

[0029] A first processing module is used to generate prompt information based on a prompt information template pre-registered with the operator;

[0030] The prompt information template includes: a 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 how to obtain the loan product in the title; the button name is used to indicate that clicking the apply button will initiate 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; and the multimedia material is in image format and is used to display relevant information about 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 messaging and flash messaging;

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

[0033] A fourth processing module is configured to, when detecting on the loan application page that a target customer has submitted a loan application, approve the loan application submitted by the target customer and generate a loan approval result;

[0034] A fifth processing module, configured to send the loan approval result to the 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 based on 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 computer instructions to thereby execute the loan information prompt method of the first aspect or any corresponding embodiment thereof.

[0037] In a fourth aspect, the present invention provides a computer-readable storage medium, wherein 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 comprising computer instructions for causing 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 information reach and attention:

[0041] Advantages of multi-channel integration: Prompt messages are delivered using a pre-set method combining 5G messaging and Flash Message. Flash Messages feature high-priority display, instantly popping up on the terminal screen to capture the customer's attention, preventing it from being overwhelmed by other messages and significantly improving the initial reach of the message. For example, even if the phone is locked or the customer is using other apps, Flash Messages can force the display of key loan product reminders, urging the customer's attention and improving customer engagement.

[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 period of 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 applications:

[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 the cumbersome URL or search for the loan application entrance in numerous applications. This simplifies the pre-application steps, reduces customer churn caused by cumbersome operations, and greatly improves the conversion efficiency from information acquisition to application initiation.

[0045] Full online process: The entire loan application, approval, and disbursement process is completed online, allowing customers to submit applications anytime, anywhere, without time or location constraints. For lending platforms and institutions, the online system automatically collects, organizes, and conducts preliminary reviews of submitted information, reducing manual intervention, speeding up application processing, shortening loan approval cycles, and improving overall business efficiency.

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

[0047] Template-Based Personalization: While prompts are generated based on pre-registered templates, the title, description, and other content within the templates can be flexibly adjusted and customized based on different loan products and target customer groups. For example, for high-quality customers with high credit ratings, the title and description can highlight exclusive offers such as higher loan limits and lower interest rates. For corporate clients in specific industries, the description can include examples of loan uses and featured services that meet their industry needs, enabling targeted marketing push, improving marketing effectiveness, and enhancing customer satisfaction.

[0048] The technical solution based on the embodiment of the present invention maintains close communication with customers through 5G messages and flash messages throughout the entire loan business process, and can promptly inform them of loan approval results and loan information. BRIEF DESCRIPTION OF THE DRAWINGS

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

[0050] Figure 1 1 is a flow chart 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 This 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 1 is a schematic diagram of the test results of the first phase of the 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 2 is a schematic diagram of the test results of the third stage of the embodiment of the present invention;

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

[0058] Figure 9 Schematic diagram of the hardware structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0059] To make the purpose, technical solutions, and advantages of the embodiments of the present invention more clear, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying 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 making creative efforts shall fall within the scope of protection of the present invention.

[0060] Currently, 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 to customers. Bank staff proactively inquire and recommend loan solutions to customers, providing them with appropriate loan solutions based on their needs.

[0063] Outdoor advertising and events: Place outdoor advertising in high-traffic areas, such as bus stop ads and large-screen advertising in shopping malls, to increase product awareness. Organize offline events, such as financial knowledge seminars and corporate forums, to introduce loan products and engage in face-to-face communication with potential customers.

[0064] 2. Online channels:

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

[0066] Email marketing: Send emails to the bank's customer database, introducing the advantages of loan products and the latest promotions. Targeted email marketing is also conducted to customers who have inquired about loan services or have had related business dealings.

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

[0068] 3. Partner Channels:

[0069] Corporate Partnerships: Build partnerships with businesses and recommend the bank's loan products to their employees through them, such as offering exclusive discounts on consumer loans and housing loans. Collaborate with organizations like chambers of commerce and industry associations to promote loan products at their events and expand the 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 lot of manpower and material resources are needed to maintain the operation of the outlets and carry out promotions, including venue rental, staff salaries, promotional material production and other expenses.

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

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

[0077] Outdoor Advertising and Activities:

[0078] Difficulty in evaluating effectiveness: 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 those who see the advertisement or participate in the event are actually customers with loan needs.

[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 view loan product information, and lack the ability to actively push information.

[0083] Intense competition: Banks’ websites are easily overwhelmed by the numerous websites and financial service platforms, making it difficult to highlight their product advantages.

[0084] Email Marketing:

[0085] Low open rates: With the number of emails people receive, it’s easy for marketing emails about 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 cold call sales, 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 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 corporate recommendations may affect the development of loan business if problems arise in cooperation or corporate business adjustments are made.

[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: It is necessary to pay certain fees to intermediaries, which increases business costs.

[0096] Higher risk: The quality of intermediaries varies, and there may be irregular operations or fraudulent activities, which pose 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 messaging and flash messaging enable remote and precise reach, eliminating the need for the extensive human and material resources of physical branches. Regardless of where customers are located, as long as there is 5G network coverage, they can receive loan product information, significantly expanding 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 waste of 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 effectiveness 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 to accurately evaluate the promotion effect.

[0105] Utilize big data to analyze user portraits and achieve precise 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 access and fierce competition of websites and online banking:

[0108] 5G messages can be proactively pushed to customers without requiring them to visit a website or online banking. Messages are displayed directly on their mobile devices, increasing visibility and reach.

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

[0110] Solve the problem of low open rate and disgust of email marketing:

[0111] 5G messages and flash messages have high priority and are displayed instantly, making them less likely to be ignored or treated as spam. Customers are more likely to check and respond to messages promptly.

[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, reducing disturbance to customers.

[0115] Through the interactive function of 5G messages, customers can easily obtain more information, submit applications, etc., improving business processing efficiency. At the same time, banks can provide 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 broaden coverage:

[0118] 5G messaging and flash messaging do not rely on specific corporate partnerships and can be promoted directly to a broad customer base. Even if problems arise with corporate partnerships, it will not have a significant impact on 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 costs and risks of cooperation with intermediaries:

[0121] Reduce dependence 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 with traditional loan contact methods and solutions provided by the technical solution of this invention:

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

[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 leverages the rich media features of 5G messaging to provide customers with a richer interactive experience. For example, they can directly enter application information and upload documents within the message, streamlining the application process and increasing customer engagement. Flash messaging, with its high priority and instant display, ensures that customers receive loan product information and important notifications immediately, avoiding information delays, enhancing the immediacy of the customer experience, and improving customer satisfaction with banking 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 messaging uses advanced encryption technology to ensure data security during transmission, preventing customer information from being stolen or tampered with. This invention strictly adheres to relevant privacy protection laws and regulations. When using 5G messaging and flash messaging to contact customers, the purpose and scope of customer information use are clearly informed to protect customer privacy.

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

[0131] According to an embodiment of the present invention, an embodiment of a loan information prompting method 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, which includes:

[0134] S101: Prompt information is generated based on a prompt information template pre-registered with 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 that clicking the application button performs the loan application operation. 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 picture format and 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 collection amount, 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 reporting is usually done online or offline, and authorization for 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 messaging and flash messaging. 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, stay 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 target customers (customers with loan needs) based on the user profile:

[0141] 1. Data Collection:

[0142] Basic information collection:

[0143] Individual customers: Information such as age, gender, occupation, education level, marital status, and home address is collected. For example, age can be categorized into different stages. Those in their 20s and 30s are likely young people entering the workforce, and their loan needs may focus on consumer loans for electronics and renting. Those in their 30s and 50s may be more interested in housing loans or loans for their children's education. Occupation is also crucial. For example, civil servants and public institution employees have relatively stable incomes, while those working in the financial and internet industries may have higher but more volatile incomes. This information is crucial for assessing repayment capacity and loan risk.

[0144] Corporate Clients: Collect information on company type (e.g., manufacturing, service, technology), company size (based on number of employees, total assets, revenue, etc.), registered address, industry category, and years of operation. For example, manufacturing companies may have a large demand for working capital loans or equipment upgrade loans; technology-based SMEs may need funds for R&D.

[0145] Financial Information Collection:

[0146] Individual customers: We collect information on their income (including salary, investment income, etc.), assets (real estate, vehicles, savings, etc.), and liabilities (such as credit card balances and other loan balances). This information can be used to calculate indicators such as the 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% generally have greater financial flexibility to take on new loans.

[0147] Corporate clients: We collect financial statements (balance sheet, income statement, cash flow statement), tax records, and transaction history from lending platforms / institutions to analyze indicators such as profitability (e.g., net profit margin), debt repayment capacity (e.g., current ratio, quick ratio), and operational capacity (e.g., accounts receivable turnover, inventory turnover). For example, a company with a current ratio of approximately 2 has better short-term debt repayment capacity and is more likely to obtain working capital loans.

[0148] Credit history collection: Individual and corporate credit records are obtained from credit reporting systems. For individuals, this includes checking for overdue payments, loan history, and credit card usage. For businesses, this includes overdue debts, contract breaches, and any inclusion on a list of dishonest individuals. Customers with good credit are more likely to be high-quality loan candidates. For example, individuals with a credit score of 700 or above (based on a common credit scoring system) and no overdue payments are ideal loan candidates.

[0149] Behavioral Data Collection:

[0150] Online behavior: If a bank offers online banking, mobile banking, or related financial services platforms, collect information such as customer login frequency, browsing content (e.g., whether they frequently browse loan product pages and what types of loans they are interested in), and duration of visit. For example, customers who frequently browse home loan product pages and spend a considerable amount of time on them may have home loan needs.

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

[0152] 2. Data cleaning and preprocessing:

[0153] Missing Value Handling: For missing basic information, reasonable inferences or supplementary collection can be used to address this. For example, if a client's occupational information is missing, but their education and years of work experience are known, their likely occupational range can be inferred based on their education and years of work experience. For missing financial information, such as personal income information, the client can be asked to provide additional payroll statements or tax payment certificates. If a company's financial statements are missing some data, the company can be asked to provide it again or verify it through other channels (such as communicating with the tax department to verify tax data).

[0154] Outlier processing: Check for outliers in the data, such as individual customers whose ages are negative or over 120 years old, income that is too high or too low and inconsistent with common sense (seriously inconsistent with the occupational or regional average), etc. For outliers, their authenticity must be verified. If it is a data entry error, correct it in time; if it is a special case (such as a high-income celebrity or corporate executive), relevant supporting materials need to be collected for confirmation. For corporate customers, if there are abnormal and large fluctuations in revenue or profits, the reasons must be analyzed in depth. 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 data from multiple channels 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 caused by 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: Build labels based on age, such as "youth (20-30 years old)", "middle-aged (31-50 years old)", and "elderly (51 years old and above)"; build labels based on occupation, such as "financial practitioners", "civil servants", and "self-employed individuals"; build labels based on income level, such as "low income (annual income less than X million yuan)", "middle income (annual income of XY million yuan)", and "high income (annual income of more than Y million yuan)".

[0159] Enterprise customers: Build labels based on enterprise size, such as "small and micro enterprises (less than X employees, total assets less than Y million yuan)", "medium-sized enterprises", and "large enterprises"; build labels based on enterprise type, 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", "Occasional overdue", and "Multiple overdue".

[0162] Corporate customers: Labeled according to credit history 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 behavior, such as "high interest in loan products (frequently browse loan product pages)" and "financial management enthusiasts (frequently browse financial information)"; build labels based on offline behavior, such as "homebuyers (frequently visit real estate agencies)" and "car consumers (frequently view cars at 4S stores)".

[0165] Corporate customers: Build labels based on their participation in industry activities, such as "Industry Active Enterprises (frequently participate in industry exhibitions and seminars)" and "Industry Low-Key Enterprises (rarely participate 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 pay attention to equipment update information)".

[0166] 4. User portrait construction and analysis:

[0167] Profile Construction: Combine the above tags to form a user profile. For example, a 35-year-old financial professional with an annual income of 500,000 yuan, a credit score of 750, no overdue payments, and frequent browsing of home loan and investment product pages might have a user profile described as "middle-aged, high-income financial professional with excellent credit and an interest in home loans and wealth management." For a corporate customer, such as a medium-sized manufacturing company with a strong financial position and credit record, who frequently attends industry exhibitions and purchases large quantities of raw materials, the profile might be "medium-sized manufacturing company with healthy finances, good credit, active industry, and a propensity to demand loans for raw material purchases."

[0168] Identify customers with loan needs: By analyzing user profiles, we can identify customers who may have loan needs. For example, for customers with behavioral characteristic labels such as "homebuyer" and "equipment upgrade demander," we can combine their financial status and credit risk labels to determine whether they have sufficient repayment ability and willingness. If their financial status allows and their credit risk is low, then these customers can be identified as potential customers with a higher loan demand. For corporate customers, profiles showing promising industry prospects, a large demand for business expansion, and healthy finances are likely to have loan needs for expanding production, technological research and development, or market expansion. At the same time, we can also find user profiles that match the characteristics of the loan product and the target customer group. For example, when launching a short-term working capital loan product for small and micro enterprises, we can look for customers with labels such as "small and micro enterprise," "basically stable financial status," and "tendency to have short-term capital turnover needs."

[0169] 5G Messaging: 5G Messaging is a next-generation messaging service built on the GSMARCS standard. It integrates multiple media formats, including text, images, audio, video, and location, enabling interactive functionality similar to that of an app. For example, customers can complete various operations, such as shopping, booking, and inquiries, within the messaging interface without downloading additional apps. 5G Messaging offers a variety of content formats, including chatbot conversations and card-style message presentations, providing customers with a more engaging and practical messaging experience.

[0170] Flash Message: Flash Message is a special SMS service that displays a pop-up message directly on the phone screen, allowing customers to view the message content without having to open their SMS inbox. Furthermore, after a Flash Message is displayed, it may not be automatically saved to the inbox depending on the settings, making it highly immediacy and mandatory.

[0171] Prerequisites for implementation:

[0172] Device support: The device must support 5G messaging and flash messaging. For 5G messaging, the device must have a communication module that supports the RCS protocol, and the operating system (such as Android or iOS) must have integrated 5G messaging functionality or installed a 5G messaging-enabled app. For flash messaging, the phone's operating system and communication module must support the reception and display mechanisms for flash messaging.

[0173] Network support: The operator's network must support the transmission of 5G messaging and flash messaging. 5G networks can better leverage the performance advantages of 5G messaging, but 4G networks can also support some 5G messaging features to a certain extent. Furthermore, the network must be configured with the flash messaging push service to ensure that messages can be accurately delivered to terminal devices in the flash messaging format.

[0174] Service activation and permission setting: The sender (for example, XXX Bank) needs to activate the permission to send 5G messages and flash messages from the operator. For corporate customers, they may also need 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 to receive 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 device.

[0175] Specific implementation method:

[0176] Send via the operator platform:

[0177] Configure the message content: First, write the prompt message in the 5G message format. For example, if it's a product promotion, you can create a card-style 5G message that includes a product image, detailed information, and a purchase link. Also, set the relevant parameters for the flash message, such as the pop-up display time and whether to save it. Using the 5G message and flash message sending interfaces provided by the operator, enter the configured message content into the system. These interfaces are typically based on the operator's business management platform and require the sender to have the appropriate account and permissions to access.

[0178] Determine the recipient: Clearly list the terminal mobile phone numbers to which the prompt information 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 form of a flash message pop-up; if it does not support 5G messages, it may be sent in the form of traditional SMS or downgraded messages. The sending results are as follows: Figure 2 shown.

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

[0180] Third-party platform integration: Choose a professional third-party messaging platform that has a partnership with an operator. These platforms typically have integrated 5G messaging and flash messaging capabilities and offer a more user-friendly interface and flexible messaging configuration tools.

[0181] The sender registers an account on a third-party platform and logs in. 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 on third-party platforms using prompt message templates, also designed in accordance with 5G message format requirements. Set display rules for flash messages, such as whether to allow customers to quickly close the pop-up screen and the operation guidance after the pop-up screen.

[0183] Select the mobile phone number to send the message to, 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) based on the support of the terminal device.

[0184] Develop a custom sending system (suitable 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 understanding and implementing 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, prepared 5G message formatted notifications are sent to designated mobile phone numbers. The system must be able to monitor message sending status in real time, including successful and failed messages, and device reception. In the event of a failed message, a retry attempt can be performed promptly or the cause of the error can be recorded for subsequent analysis and resolution. Furthermore, based on device feedback, such as support for 5G messaging and flash messaging, subsequent sending strategies can be 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 can include other buttons besides the "Apply" button. For example, a button for contacting the loan platform / institution could be named "Official Phone Number." Clicking this button allows the customer to contact the loan platform / institution for further information on loan products. Upon detecting that the target customer has clicked the "Apply" button, the customer is redirected to the corresponding loan application page and begins the loan application process. Typically, the target customer is required to enter personal information to register or log in. After successfully logging in, they can then complete the online loan application form.

[0188] S104: When it is detected on the loan application page that the target customer has submitted 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 filling out the online loan application form, he or she can click the submit button 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 rejection. The loan approval can be carried out using conventional loan approval methods in this field. For example, based on the customer's loan application information, risk assessment and prediction can be carried out in combination 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. If the credit score is greater than or equal to a preset threshold, the loan application is determined to be approved. If the credit score is less than the preset threshold, the loan application is determined to be rejected. 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 the loan approval results can be obtained through manual review.

[0191] During the approval phase, internal data can be used for assessment: Lending platforms / institutions will use their accumulated customer data, including historical loan records, repayment status, loan purpose, credit score, financial information, and other information, to assess the customer's credit risk. At the same time, they will combine all information collected during the loan application process, such as loan purpose, financial information, and the completeness of the provided documents, to conduct a comprehensive analysis using internal risk assessment models.

[0192] A credit score is a numerical value derived from a customer's past credit behavior, reflecting their credit risk. Generally speaking, a higher credit score indicates a greater likelihood of on-time repayments and a lower credit risk. For example, a credit score above 700 (different scoring systems may have different standards) indicates a customer has good credit standing, assuming all other conditions are normal.

[0193] Analyze the customer's historical loan history, including the number of loans, total loan amount, any overdue payments, and the duration and frequency of overdue payments. A customer with a history of frequent, on-time and full loan repayments, with no or only a few short-term overdue payments, demonstrates good repayment habits and credit awareness, and will receive a favorable evaluation in the credit risk assessment. For example, a customer with three loan applications over the past five years, all of which were repaid on time, with no overdue payments exceeding 30 days, is a favorable factor for their current loan application.

[0194] For personal consumer loans, it's important to determine whether the intended purpose (e.g., purchasing appliances, traveling, etc.) is genuine and consistent with common consumer practices. For corporate loans, it's important to analyze whether the loan funds are being used appropriately for production and operations, and whether they contribute to the company's normal operations and growth. For example, a company applying for a loan to purchase raw materials to meet production orders is a reasonable use.

[0195] Evaluate the financial information provided by the client, such as personal income, assets and liabilities, and corporate revenue, profits, and debt-to-asset ratio. For personal loans, if the client has a stable income and a light debt burden (e.g., a debt-to-income ratio below 50%), and sufficient ability to repay the loan principal and interest, this is considered more favorable in the financial risk assessment. For corporate loans, if the company's revenue is growing steadily, profits are substantial, and its debt-to-asset ratio is within a reasonable range (e.g., a debt-to-asset ratio of 50%-70% is generally reasonable for manufacturing companies), this indicates a strong financial position and repayment capacity.

[0196] We also check the completeness of the information provided by the client. Complete and accurate applications better reflect the client's true circumstances and facilitate a comprehensive assessment. Missing key information or unclear information increases the difficulty and uncertainty of the assessment, negatively impacting the approval process.

[0197] When a customer performs well in internal data assessments such as credit score, historical loan records, 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 phase, external data (optional) can be used for assessment: lending platforms / institutions may refer to data provided by third-party data agencies, such as credit reports from credit bureaus and business operating data from industry data platforms. This external data can provide lending platforms / institutions with a more comprehensive perspective, helping them to more accurately assess loan risks.

[0199] During the approval process, manual review is also available (in some cases). For complex loan applications, such as large loans, higher-risk loans, or applications where the system assessment raises questions, the lending platform / institution may arrange for manual review. Reviewers will carefully examine all submitted documents and may further verify the authenticity of the information through telephone follow-up visits and on-site inspections.

[0200] In addition, loan approval can be determined through a comprehensive assessment using the three aforementioned methods. For example, if a client performs well based on internal data assessments such as credit score, loan history, loan purpose, and financial status, external data references reveal no significant risks, and manual review reveals no false or other anomalies in the information, the loan platform / institution will determine approval. For example, if an individual client with a high credit score, stable income and assets, and a reasonable loan purpose applies for a consumer loan, and their credit report has no negative records, and manual review confirms that the information is complete and valid, their 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 an on-site investigation reveals normal operations and a clear and reasonable purpose for the loan proceeds, their 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 using a combination of 5G messaging and flash messaging. At the same time, relevant information about the loan product, such as the loan amount, loan term, loan purpose, repayment date, and repayment method, can also be sent to the terminal device corresponding to the terminal mobile phone number using a combination of 5G messaging and flash messaging.

[0203] S106: When the purchase of the 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, whether the loan product has been purchased can be determined by whether the loan contract has been signed. If the loan approval result is approved and the loan contract has been signed, it can be determined that the target customer has purchased the loan product. If the loan approval result is approved and 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 rejected, the reason for rejection 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 rejection.

[0206] When the target customer is determined to purchase a loan product, 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 registration success notification from the operator.

[0211] The second scenario: If your application fails review, you will receive a failure notification from the carrier. This notification will include the reason for the failure. Based on the reason for the failure, you will modify your application until you receive a success notification from the carrier.

[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 carriers offer dedicated platforms for enterprise SMS service registration. To register a business account on their official website, log in, and follow the prompts to fill in the registration information. This typically includes basic company information (name, address, contact information, etc.), a message template, the intended purpose of the message, and the expected volume. Upload prepared documentation demonstrating your qualifications, such as a scanned copy of your business license and a photo of the legal representative's ID card, and then submit your registration application.

[0214] You can also file offline. If you use a third-party SMS messaging platform, they may assist with the filing process. Provide the prepared reminder message template and company qualification materials to the platform, which will then submit the relevant information to the operator for review based on its partnership channels with the operator.

[0215] S202: Generate prompt information based on the prompt information template pre-registered with the operator. For details, refer to the relevant description of S101 and 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 and 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 and will not be repeated here.

[0217] S205: Entering the loan application process. The loan application process includes the target customer registering by entering personal information, completing 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 utilized 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, thereby 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 (to obtain information such as the company's 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 the individual or enterprise, such as name, age, contact information, company name, registered address, etc.; loan demand information such as loan amount, loan purpose, loan term, and financial information such as income and asset status.

[0220] Online loan applications contain both completed and uncompleted information. Completed information can include basic personal or business information, which customers only need to verify without requiring input, thus reducing the complexity of the application process. Uncompleted information can include documents, loan purpose explanations, financial information, and other supporting documents. When conducting identity verification, some loan platforms / institutions may employ biometric technology to enhance security. For example, this can be achieved by using a mobile phone's fingerprint or facial recognition function to confirm that the customer is actually applying for the loan. This step can effectively prevent fraudulent activities such as identity theft.

[0221] S206: When the target customer submits a loan application on the loan application page, the loan application submitted by the target customer is reviewed and approved, and a loan approval result is generated. For details, please refer to the relevant description of S104 and 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, please refer to the relevant description of S105 and 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 rejected, determine whether to resubmit the loan application.

[0225] In this embodiment, as an example, when the loan approval result is approved, whether the loan product has been purchased can be determined by whether the loan contract has been signed. If the loan approval result is approved and the loan contract has been signed, it can be determined that the target customer has purchased the loan product. If the loan approval result is approved and 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 rejected, the reason for rejection 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 rejection.

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

[0228] In an optional embodiment, 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] If the flow and use of loan funds indicate that the loan funds have been illegally used for high-risk investments or non-agreed purposes, a violation alert message will be sent to the terminal device corresponding to the terminal's mobile phone number according to a preset method. The violation alert 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 a customer's loan usage in real time through 5G messaging or flash messaging, and perform subsequent loan management based on the monitoring results, such as collection and reminder operations.

[0232] In this embodiment, by effectively monitoring the flow and use of loan funds, it is possible to immediately detect whether loan funds are being used for high-risk investments (such as stocks, futures, virtual currencies, and other high-volatility, high-risk sectors) or for non-agreed purposes (such as loans intended for business production and operation funds being diverted for personal consumption, etc.). For example, by establishing a data sharing and monitoring mechanism with payment institutions, financial regulatory systems, and other institutions, the loan platform / institution can quickly detect abnormal signals when loan funds flow to specific accounts or industry categories that do not comply with the loan contract, providing the opportunity for timely action. Once illegal use is discovered and a violation warning is promptly sent to the customer, it helps prevent further illegal operations and avoid further losses on the loan funds, thereby effectively reducing the default risk faced by the loan platform / institution. For example, if a customer stops investing funds in high-risk investments after receiving a violation warning, the possibility of being unable to repay the loan due to investment failure is reduced, and the security and recovery expectations of the loan platform / institution's funds are guaranteed. The violation warning information can clearly inform customers that their actions violate the loan contract and relevant financial regulations, making them more aware of the compliant use of loan funds. After clearly informing customers of the risks of illegal use, they are given an opportunity to correct their misconduct. Based on this prompt, customers can promptly adjust the use of funds to ensure they are consistent with the agreed loan purpose, thus ensuring the normal operation of the loan business.

[0233] In an optional embodiment, 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 a preset timeframe before the repayment date, a repayment reminder message is sent to the terminal device corresponding to the terminal mobile number according to a preset method. The repayment reminder message is used to inform 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 using a combination of 5G messaging and flash messaging to remind the target customer to repay on time and avoid overdue payments.

[0236] In an optional embodiment, 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] Account status notifications are sent to the device associated with the mobile phone number at a preset interval and in a preset manner. These notifications are used to inform the target customer of the status of their loan account. Loan account status includes balance changes and interest calculations.

[0238] In this embodiment, by sending loan account balance change information to customers on a pre-set basis (e.g., daily, weekly, or monthly), customers can gain real-time insights into the dynamic status of their loan account funds. For example, customers can clearly understand the impact of each repayment, interest deduction, or possible early repayment on their account balance, facilitating their personal or business financial planning and overall funding arrangements. Account status notifications include information on interest calculations, providing customers with a clear understanding of the generation and accumulation of loan interest. Customers can intuitively see the basis for calculating each period's interest (e.g., principal balance, interest rate, interest calculation period, etc.), which helps enhance their understanding of loan costs and avoid misunderstandings or disputes caused by a lack of understanding of the interest calculation method. For example, after receiving an interest calculation notification, customers can verify the interest rate and interest calculation method agreed upon in the loan contract to ensure that the loan platform / institution's calculations are accurate. This also allows them to better plan their repayments and rationalize their financial budget based on their interest expenditures. If customers discover any anomalies in the balance change or interest calculation in the account status notification, they can promptly contact the loan platform / institution to verify and resolve the issue. This timely communication mechanism helps quickly identify and correct potential errors or issues, preventing them from accumulating and leading to greater customer dissatisfaction or financial losses. By sending account status alerts to customers, lending platforms / institutions are indirectly monitoring and providing early warnings of risks. For example, if a customer's loan account balance continues to decline and approaches the default threshold, the lending platform / institution can proactively assess and assess changes in the customer's repayment ability and implement timely risk mitigation measures, such as communicating with the customer to adjust the repayment plan, adding collateral, or initiating collection procedures early, thereby reducing the lending platform / institution's risk of loan default.

[0239] This technical solution integrates multi-channel engagement technologies: combining 5G messaging with flash messaging, leveraging the rich multimedia display capabilities of 5G messaging and the strong reminder characteristics of flash messaging to create a unique loan engagement model. This can quickly attract customers' attention and improve the efficiency and effectiveness of loan information delivery.

[0240] Personalized content push: Based on customer characteristics and behavioral data, personalized loan product information and preferential plans are customized for different customers through 5G messaging and flash messaging. This enables precise reach and targeted marketing, increasing customer interest and engagement in loan products.

[0241] Real-time interaction and guidance: Leveraging the interactive capabilities of 5G messaging, customers can perform simple operations and inquiries directly within the messaging interface, obtaining more loan-related information in real time. Furthermore, a cleverly designed guidance process helps customers 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 engagement, we continuously optimize customer engagement strategies, including delivery timing, content design, and channel selection, to increase the success rate and effectiveness of customer engagement and boost loan conversion rates.

[0243] Enhanced customer experience: Abandoning traditional, complex and cumbersome loan promotion methods, 5G messaging and flash messaging offer a concise and intuitive presentation, making it easier for customers to understand and accept loan information. Furthermore, the interaction process focuses on the customer experience, providing customers with a convenient and caring experience.

[0244] Cross-platform compatibility: The technical solution of the present invention can achieve good compatibility on a variety of smart terminal devices. Regardless of the mobile phone system used by the customer, 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 integrating the characteristics and advantages of loans, highlighting their unique selling points and value through 5G messaging and flash messaging, enhancing the competitiveness and attractiveness of loan platforms / institutions and loan products in the market, and promoting the rapid development of the 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 promotional information and links to existing or new customers via 5G messaging or flash messaging;

[0249] The customer initiates a loan application to the lending platform / institution via 5G messaging or flash messaging. For example, the lending platform / institution receives and parses the customer's loan application.

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

[0251] The loan platform / institution will provide real-time feedback on 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 from the loan platform / institution. If accepted, the customer proceeds with the loan disbursement 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 conduct subsequent loan management based on the monitoring results, such as collection and reminders.

[0254] The loan platform / institution sends relevant information about the loan product 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: Currently, loan platforms / institutions mainly use regular text messages to reach and notify customers, which has low reach rates and delays. Customers' mobile phones are also generally installed with anti-harassment software, which has channel restrictions, content restrictions, word count restrictions and other issues. This ultimately leads to poor customer reach, such as ineffective reach and low click-through rates, which ultimately makes the conversion chain of loan platforms / institutions too long. Leveraging the high speed and low latency of 5G messaging and flash messaging, the loan approval process can be made real-time and automated, improving 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 applied to various business scenarios and has broad market prospects and application value.

[0261] Application convenience:

[0262] Multi-channel application entrance:

[0263] Traditional loan applications may rely primarily on the official website of the lending platform / institution, mobile banking apps, or offline branches. However, this innovative solution, leveraging 5G messaging and flash messaging, allows customers to receive push notifications about loan products directly on their mobile phone's SMS interface and quickly access the loan application page by clicking on a link, eliminating the need to download a dedicated app or visit an offline branch. This significantly improves application convenience. For example, after receiving a 5G push notification about a loan product, customers can begin the application process directly within the message window.

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

[0265] Information pre-filling and intelligent collection:

[0266] Leveraging 5G's high-speed transmission and big data analysis capabilities, the system can pre-fill some loan application information based on the customer's carrier identity information, company information (in the case of corporate loans), and other data, reducing the workload of manual entry by the customer. For example, the customer's basic identity information and company registration information can be automatically filled in, and the customer only needs to verify 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 dimensions, improve the accuracy and completeness of application information, and provide a more reliable basis for subsequent approvals.

[0268] 24 / 7 service: We provide 24 / 7 one-on-one service, allowing loan applications and approvals to be made 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 quote and set their own desired 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 disbursed in seconds: After system review, loans can be disbursed in seconds, which greatly shortens the loan disbursement time.

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

[0274] The use 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, enabling loan platforms and institutions to communicate with customers more quickly and directly. This immediacy is particularly important for delivering critical information during the loan application and approval process, ensuring that customers receive timely updates and notifications on their loan status.

[0276] Personalized services: Lending platforms and institutions can provide personalized services based on customers' specific needs and preferences through 5G messaging. For example, lending platforms and 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 Authentication: 5G messaging combines AI technologies such as image recognition, liveness detection, and optical character recognition (OCR) to provide more accurate customer identity authentication, improving the security of online businesses. For example, during the loan application process, lending platforms / institutions can use 5G messaging for identity verification, ensuring the authenticity of the customer and the security of the loan application.

[0278] Automation and efficiency improvements: 5G messaging can automate the loan application and approval process, shortening transaction times and improving business efficiency. For example, loan platforms / institutions can automatically send loan approval results via 5G messaging, eliminating the need for manual intervention and 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 use 5G messaging to provide 24 / 7 one-on-one service to resolve any questions or issues customers may have during the loan process, improving the customer experience.

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

[0281] High-priority alerts: Flash messages feature high-priority display, ensuring that customers are immediately aware of loan information from lending platforms / institutions. Compared to regular text messages, flash messages are not lost amidst numerous notifications, significantly improving information reach. For example, when a lending platform / institution launches a new loan product or promotion, flash messages can quickly capture customers' attention, even when they're busy. Flash messages can provide timely reminders at key loan approval milestones, such as successful application submissions, approval progress updates, and approval result notifications, allowing customers to stay informed of loan updates in real time and avoid delays caused by missing important information.

[0282] Immediacy and interactivity: Flash messages are sent and received almost instantly, making them extremely valuable for urgent or time-sensitive loan applications. For example, if there's an issue with a customer's loan application, the lending platform / institution can immediately notify the customer via Flash Message to request additional information or revisions, allowing the customer to respond quickly, significantly reducing communication and processing time. Flash Messages also support simple interactive actions, such as allowing customers to reply to specific keywords to obtain more loan information, confirm receipt, or proceed to the next step. This interactivity enhances communication efficiency between customers and lending platforms / institutions, improving the customer experience.

[0283] Security Authentication and Identity Verification: During the loan application process, Flash Messaging can be used to send security verification codes or identity verification information. Due to the high priority and immediacy of Flash Messaging, customers can quickly receive and enter verification codes, ensuring the security and authenticity of their loan applications. For example, when a customer applies for a loan online, the lending platform / institution sends a Flash Messaging verification code for identity verification to prevent fraud. Flash Messaging can also be used to remind customers about their account security, such as notifying them of unusual logins or transactions and guiding them to take appropriate security measures.

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

[0285] Personalized push notifications and marketing: Leveraging big data to analyze customer loan needs and behavioral characteristics, personalized loan product recommendations are provided via SMS notifications. For example, tailored loan products are sent to customers based on their credit history, financial information, and loan history, improving marketing precision and effectiveness. Targeted loan offers and service recommendations are delivered based on the customer's lifecycle and specific scenarios, such as home purchases, car purchases, and business expansion, to meet customers' funding needs at different stages.

[0286] Post-loan management and services: After a loan is disbursed, customers are notified via text message of important information, such as the repayment date and amount, to help them plan their repayments and avoid overdue payments. Furthermore, various repayment methods can be introduced and guided, allowing customers to choose the most suitable method. Regular notifications are sent to customers regarding loan account status, such as balance changes and interest calculations, ensuring they are always informed of their loan status. If a customer encounters repayment difficulties, timely text message reminders are provided, along with solutions such as repayment extensions and adjustments to repayment plans, demonstrating the personalized service provided by the lending platform / institution.

[0287] Customer Care and Feedback: Use SMS reminders to send customers caring messages like holiday greetings and birthday wishes, strengthening the emotional connection between them and the lending platform / institution. Additionally, invite customers to participate in satisfaction surveys or provide feedback, enabling the lending platform / institution to continuously improve its products and services. When customers encounter problems or file complaints, respond promptly via SMS, informing them of the progress and results, enhancing customer satisfaction and trust.

[0288] Currently, XXX Bank's main customer contact channel is ordinary text messages. According to statistics from previous years, its open rate and link click rate are only about 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 messages. The click-through rate and open rate are significantly better than ordinary SMS messages. 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 collection work involving customer identity information, credit data, etc., prompt information of loan applications generated according to prompt information templates, loan approval results, violation prompt information, repayment prompt information, account status prompt information, and other information sent according to preset methods are carried out in strict compliance 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 key information such as the purpose, scope, use of data collection, and data security measures, and obtain data through legal and compliant channels and processes. At the same time, in accordance with relevant regulations and industry norms on personal information protection, establish and improve data collection management systems and security protection systems, encrypt and store the collected data, strictly control access, and conduct regular security audits 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] This embodiment also provides a loan information notification device. A single device is used to implement the aforementioned embodiment and its alternative implementations, and details already described will not be repeated. As used below, the term "module" may refer to 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, implementation using hardware, or a combination of software and hardware, is also possible and contemplated.

[0293] Figure 8 It is a structural 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 configured to generate prompt information based on a prompt information template pre-registered with the operator.

[0296] The prompt information template includes: title, description, button name, signature, link, and multimedia assets. The title represents the name of the loan product, and the description indicates how to redeem the loan product mentioned in the title. The button name indicates that clicking the Apply button initiates the loan application process. The signature indicates the source of the prompt information. The link is the application link for the loan product. The multimedia asset is in image format and displays relevant information about 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 messages and flash messages.

[0298] The third processing module 13 is configured to enter a loan application page corresponding to the link when detecting that the target customer clicks the apply button.

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

[0300] The fifth processing module 15 is configured 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 based on 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. If the reporting application is approved, the operator will receive a reporting success notification from the operator. If the reporting application is not approved, the operator will receive a reporting failure notification from the operator. The reporting failure notification will include the reason for the failure. The reporting application will be modified based on the reason for the failure in the reporting failure notification until a reporting success notification is received from the operator.

[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 rejected, it determines whether to resubmit the loan application. The loan approval result can be either approved or rejected.

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

[0307] The loan application module detects that a target customer has clicked the Apply button, then redirects them to the corresponding loan application page and begins the loan application process. The loan application process involves the target customer registering by entering their personal information, completing an online loan application form, 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 arrival information to the terminal device corresponding to the terminal mobile phone number according to a preset method. If the flow and use of loan funds determine that the loan funds are being used for high-risk investments or non-agreed purposes, a violation notification message is sent to the terminal device corresponding to the terminal mobile phone number according to a preset method. The violation notification message 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 number according to a preset method after the account arrival information is sent to the terminal device corresponding to the terminal mobile number according to a preset method within a preset time range before the repayment date. The repayment reminder message is used to inform 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 notifications to the terminal device corresponding to the terminal mobile number according to a preset method after the account arrival information is sent to the terminal device corresponding to the terminal mobile number according to a preset method. The account status notification information is used to inform the target customer of the 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 prompt device shown.

[0317] See also Figure 9 , Figure 9 Schematic diagram of the hardware structure of the computer device according to the embodiment of the present invention. Figure 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 utilize different buses to communicate with each other and can be installed on a common mainboard or installed in other ways as needed. The processor can process the 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. Equally, 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). Figure 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 an application-specific 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 that can be executed by at least one processor 10, so as to enable at least one processor 10 to execute 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 device. 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 volatile memory, such as random access memory. The memory may also include non-volatile memory, such as flash memory, a hard disk, or a solid-state drive. The memory 20 may also include a combination of the above types of memory.

[0322] The computer device further includes 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 implemented as a computer code that can be recorded in a storage medium, or downloaded through a network and originally stored in a remote storage medium or a non-temporary machine-readable storage medium and will be stored in a local storage medium, 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 magnetic disk, an optical disk, a read-only storage memory, a random access memory, a flash memory, a hard disk or a solid-state drive, etc. Further, the storage medium can also include a combination of the above-mentioned types of memory. 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 portion 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 form in which the computer program instruction exists in a computer-readable medium includes, but is not limited to, a source file, an executable file, an installation package file, etc. Accordingly, the way in which the computer program instruction is executed by the 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 that can be accessed by the computer.

[0325] Although the embodiments of the present invention have been described with reference to 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. 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 pre-registered with the operator; The prompt information template includes: a 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 how to obtain the loan product in the title; the button name is used to indicate that clicking the apply button will initiate 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; and the multimedia material is in image format and is used to display relevant information about 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 detecting that a target customer has submitted a loan application on the loan application page, approving the loan application submitted by the target customer and generating a loan approval result; 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 the loan product is determined based on the loan approval result, the loan funds will be disbursed to the loan account according to the loan disbursement process corresponding to the loan product, and the arrival information will be 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 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 from the operator; When the reporting application fails to pass the review, a 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 a reporting success notification sent by the operator is received.

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 disapproval, determine whether to resubmit the loan application.

4. The method according to claim 1, wherein When it is detected that the target customer clicks the application button and enters the loan application page corresponding to the link, the following steps are also included: 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, wherein After sending the payment 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 investment 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 currently a risk of illegal use of loan funds.

6. The method according to claim 1, characterized in that After sending the payment 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 payment information to the terminal device corresponding to the terminal mobile phone number according to the preset method, the method further includes: An account status prompt message is sent to the terminal device corresponding to the terminal mobile phone number in the preset manner according to a preset period; the account status prompt message 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 calculation.

8. A loan information prompting device, characterized in that: include: A first processing module is used to generate prompt information based on a prompt information template pre-registered with the operator; The prompt information template includes: a 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 how to obtain the loan product in the title; the button name is used to indicate that clicking the apply button will initiate 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; and the multimedia material is in image format and is used to display relevant information about 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 messaging and flash messaging; The third processing module is configured to, upon detecting that the target customer clicks the application button, enter the loan application page corresponding to the link; A fourth processing module is configured to, when detecting on the loan application page that a target customer has submitted a loan application, approve the loan application submitted by the target customer and generate a loan approval result; A fifth processing module, configured to send the loan approval result to the 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 based on 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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