Credit product pushing method and device, credit platform and storage medium

Abstract

The invention relates to a credit product pushing method and device, a credit platform and a storage medium. The method comprises the following steps: detecting a credit application of a financing object, and determining a corresponding credit category; obtaining fund products of a plurality of funding channels corresponding to the credit category; obtaining an exclusive factor corresponding to the credit category, and screening fund products of the plurality of funding channels according to a numerical value of the exclusive factor in the credit application; under the condition that at least one to-be-pushed product is obtained through screening, obtaining a scoring rule corresponding to the credit category, and calculating a pushing score of each to-be-pushed product according to the credit application, the loan rule information of each to-be-pushed product and the scoring rule so as to determine at least one target credit product; and pushing the at least one target credit product to the financing object. By adopting the method, the same credit platform can correspond to multi-channel fund products, and the channel fund products can be automatically matched according to user needs.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a credit product push method, a credit product push device, a credit platform and a computer-readable storage medium. Background Art

[0002] The funding products of the investment channel (referred to as channel funding products) can be understood as product solutions in which funds are provided by the investment object, such as the revolving loan provided by the investment bank; the credit platform can be understood as an integrated system based on a specific technical architecture that provides credit interaction, services or functions to multiple users or organizations. The funding products on the credit platform are formed by packaging the channel funding products. Specifically, on the basis of the channel funding products, secondary packaging of rates and adjustment of commissions can be carried out.

[0003] At present, the main design scheme adopted by the capital side for the association between channel funding products and credit platforms is an integrated one-to-one configuration of channel funding products and credit platforms. The scheme is mainly implemented in the following ways: according to the funding products and application requirements provided by the same channel, the corresponding credit platform is customized; at this time, when users have credit needs, they need to compare funding products from different channels on multiple credit platforms, which is difficult to operate and difficult to choose funding products; and they need to manually screen and match their favorite funding products according to their own circumstances, which may easily lead to blind selection of funding products and their rejection due to their own conditions not meeting the requirements. Summary of the invention

[0004] Based on this, it is necessary to provide a credit product push method, device, credit platform, storage medium and computer program product to address the above technical problems.

[0005] In a first aspect, the present application provides a credit product push method, the method comprising:

[0006] Detecting the credit application of the financing object and determining the corresponding credit category;

[0007] Obtaining funding products from multiple funding channels corresponding to the credit category;

[0008] Obtaining an exclusive factor corresponding to the credit category, and screening the funding products of the multiple funding channels according to the value of the exclusive factor in the credit application;

[0009] When at least one product to be pushed is obtained through screening, a scoring rule corresponding to the credit category is obtained, and a push score of each product to be pushed is calculated according to the credit application, the loan rule information of each product to be pushed, and the scoring rule, so as to determine at least one target credit product;

[0010] The at least one target credit product is pushed to the financing object.

[0011] In one embodiment, the credit application carries current order information;

[0012] The step of determining the credit category corresponding to the credit application comprises:

[0013] Obtaining the current order information in the credit application;

[0014] According to the current order information, a corresponding credit category is determined.

[0015] In one embodiment, the number of the exclusive factors is at least one, and the credit application carries the value of each exclusive factor; the at least one exclusive factor is determined according to the application requirements of the funding products of the multiple funding channels;

[0016] The step of screening the funding products of the multiple funding channels according to the value of the exclusive factor in the credit application to obtain at least one product to be pushed includes:

[0017] determining a value for each exclusive factor in the credit application;

[0018] Make sure that the value of each exclusive factor meets the corresponding entry requirements of the funding products of the funding channel, and set the funding products of the funding channel as products to be pushed.

[0019] In one embodiment, the step of calculating the push score of each product to be pushed according to the credit application, the loan rule information of each product to be pushed, and the scoring rule includes:

[0020] Determine each scoring factor in the scoring rule;

[0021] Determine the value of each scoring factor corresponding to each product to be pushed according to the credit application and the loan rule information of each product to be pushed;

[0022] The values ​​of the scoring factors of each product to be pushed are calculated according to the scoring rules to obtain the push score of each product to be pushed.

[0023] In one embodiment, the credit application also carries basic information of the financing object, and the current order information includes basic information of the transaction object;

[0024] In the case where each scoring factor in the scoring rule includes a big data factor, the step of determining the value of the big data factor corresponding to each product to be pushed according to the credit application includes:

[0025] According to the credit application, basic information of the financing object and the transaction object are respectively obtained;

[0026] According to the basic information of the financing object and the transaction object, the transaction big data of the financing object and the transaction object are correspondingly obtained as the value of the big data factor corresponding to each product to be pushed.

[0027] In one embodiment, the step of determining at least one target credit product according to the push score of each product to be pushed includes:

[0028] If the push score of the product to be pushed exceeds the set threshold, the product to be pushed is determined as a target credit product;

[0029] The step of pushing the at least one target credit product to the financing object includes:

[0030] The at least one target credit product is displayed one by one according to the score from high to low so as to be pushed to the financing object.

[0031] In one embodiment, after the step of screening the funding products of the multiple funding channels, the method further includes:

[0032] In the case that the product to be pushed is not screened out, a rejection message for the credit application is generated and notified to the financing object.

[0033] In a second aspect, the present application further provides a credit product push device, the device comprising:

[0034] A determination module, used to detect the credit application of the financing object and determine the corresponding credit category;

[0035] An acquisition module, used to acquire funding products of multiple funding channels corresponding to the credit category;

[0036] A screening module, used to obtain an exclusive factor corresponding to the credit category, and screen the funding products of the multiple funding channels according to the value of the exclusive factor in the credit application;

[0037] A scoring module is used to obtain the scoring rules corresponding to the credit category when at least one product to be pushed is screened, and calculate the push score of each product to be pushed according to the credit application, the loan rule information of each product to be pushed and the scoring rules, so as to determine at least one target credit product;

[0038] A push module is used to push the at least one target credit product to the financing object.

[0039] In a third aspect, an embodiment of the present application provides a credit platform, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of a credit product push method when executing the computer program.

[0040] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of a credit product push method.

[0041] One of the above technical solutions has the following advantages or beneficial effects: This application identifies the credit application of the financing object and determines the corresponding credit category. Each credit category is configured with at least one or even multiple funding channels, as well as exclusive factors and scoring rules. Based on the exclusive factors and scoring rules, the funding products of multiple funding channels corresponding to the credit application are screened and scored, and finally a channel funding product that matches the credit application of the financing object can be obtained. By integrating and configuring multiple channel funding products on the same credit platform and automatically matching channel funding products according to user needs, the functions of the platform products can better meet the needs of the market and users; the platform products automatically match channel funding products according to the credit category through two-layer rule gateways (exclusive gateway and scoring gateway), so that the financing object can match the desired funding products more quickly and accurately, with high user stickiness and good market prospects. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] Figure 1 This is an application environment diagram of a credit product push method in an embodiment;

[0043] Figure 2 It is a flowchart of a credit product push method in one embodiment;

[0044] Figure 3 It is a structural block diagram of a credit product push device in one embodiment;

[0045] Figure 4 FIG. 4 is an internal structure diagram of a credit platform in one embodiment. DETAILED DESCRIPTION

[0046] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0047] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0048] The credit product push method provided in this application can be applied to Figure 1 In the application environment shown in the figure, the credit platform can integrate and configure classified platform products, and uniformly define corresponding platform products for different scenarios or different credit categories, so as to facilitate the adaptation of various scenarios. Specifically, platform products can be based on scenario information through a two-layer rule gateway (i.e. Figure 1 The exclusive gateway and scoring gateway) automatically match channel funding products. The exclusive gateway can exclude channel funding products that do not meet the needs of the financing object according to the exclusive rules. The remaining channel funding products can be scored by the scoring gateway according to the scoring rules. Finally, the platform products that need to be pushed to the financing object are obtained through the push scores. Of course, the scoring rules and / or exclusive rules can be based on Figure 1 The big data is used to formulate and execute, so that the final double-layer gateway rules can better match accurate and reliable platform products. Of course, various exclusive rules (one-vote negative system) and scoring rules (comprehensive scoring optimization system) can also be modified and formulated according to the adaptation range of the platform products, and in the operation process, the corresponding rules can be adjusted in real time according to market and environmental changes to achieve matching accuracy. At the same time, the credit platform can also add channel fund products of various credit categories as needed. By adding channel fund products with different adaptation ranges, the adaptation range of the credit platform can be continuously expanded.

[0049] In such Figure 1 In the application environment shown, the exclusive gateway and the scoring gateway can be implemented using an independent server or a server cluster consisting of multiple servers. The entire credit platform can also be implemented through terminals and servers, so as to achieve the purpose of matching the desired credit products for the financing objects.

[0050] In one embodiment, Figure 2 As shown, a credit product push method is provided, which is applied to Figure 1 The application scenario in is used as an example to illustrate, including the following steps:

[0051] S210, detecting the credit application of the financing object and determining the corresponding credit category.

[0052] Among them, the financing object can be understood as a user who uses a credit platform and has the intention to obtain financing through credit means. A credit application can carry a variety of information, such as basic information of the financing object, such as name, age, identity information, legal person or shareholder information, etc.; the credit application can also include current order information, such as house purchase, car purchase, bulk purchase, merchant information, specific transaction products and other information; the credit application can also include other information, which is not further limited here.

[0053] The credit category can be understood as the preset type corresponding to the current credit application of the financing object. Specific credit categories include but are not limited to order loans, consumer loans, business loans, credit card loans, unsecured loans, etc. They can be uniformly classified according to the types of channel funding products on the credit platform to ensure that each channel funding product is configured with a corresponding credit category on the credit platform.

[0054] Specifically, determining the credit category corresponding to a credit application can be achieved by identifying specific information in the credit application; for example, when it is identified that the current order information in the credit application includes consumption records or consumption identifiers for house purchase, car purchase, renovation, education, etc., it can be determined that the credit category corresponding to the credit application is a consumer loan; of course, the credit category can also be confirmed by identifying other information in the credit application. In addition, specific credit category information can be collected from the financing object when generating a credit application, so that the credit application carries a specific identifier of the specific credit category entered by the financing object, and then by identifying the specific identifier in the credit application, the corresponding credit category can be determined.

[0055] S220, obtaining funding products of multiple funding channels corresponding to the credit category.

[0056] In the embodiment of the present application, each credit category can be configured with multiple funding channels' funding products; specifically, when a funding channel's funding product is entered into the credit platform of the present application, the credit category can be automatically or manually divided according to the characteristics of the funding product to determine its corresponding credit category. In this way, during the operation of the platform, after determining the credit category of the current financing object, the funding products of all funding channels under the category can be obtained according to the current credit category.

[0057] S230, obtaining an exclusive factor corresponding to the credit category, and screening funding products of multiple funding channels according to the value of the exclusive factor in the credit application.

[0058] The exclusive factor can be understood as a factor used to formulate exclusive rules, such as the age of the financing object, the order transaction amount in the current order information, etc.; the exclusive factor corresponding to the credit category can be one or more, and the correspondence between the credit category and the exclusive factor can be saved through pre-configuration.

[0059] The funding products of multiple funding channels are screened according to the value of the exclusive factor in the credit application. Figure 1 To understand, Figure 1 The exclusive rules in can be understood as the exclusive rules pre-configured by the credit platform. The exclusive rules are derived from the requirements for the funding products of the funding channels and belong to the one-vote-negative system. For example, the credit platform pre-configures the exclusive rules as the requirements for the age of the financing object. At this time, when the exclusive rules are specific to each channel funding product, channel funding product A requires the financing object to be less than 40 years old, channel funding product B requires the financing object to be less than 50 years old, and channel funding product C requires the financing object to be less than 60 years old. Then, if the value of the exclusive factor in the credit application is 61 years old, the above-mentioned channel funding products A, B, and C will all be filtered out and will not be pushed to the financing object. If the value of the exclusive factor in the credit application is 51 years old, then channel funding products A and B meet the requirements, but channel funding product C does not meet the requirements, then channel funding product C will be eliminated, and subsequent channel funding products A and B will participate in the scoring of the subsequent scoring gateway.

[0060] The age in the above-mentioned exclusive rules (such as age under 40, age under 50, age under 60) can be understood as an exclusive factor. If the value of the exclusive factor in the credit application does not meet the exclusive rules, it will be rejected without any subsequent comparison, and the loan application will be directly rejected and not accepted. In short, when the value of the exclusive factor in the credit application meets the exclusive rules of the credit platform, the funding channel matching can be carried out, and a one-vote negative screening will be performed based on the exclusive factor, and the unsatisfactory channel funding products will be directly eliminated and will not participate in the subsequent matching of other rules.

[0061] S240, when at least one product to be pushed is screened, the scoring rule corresponding to the credit category is obtained, and the push score of each product to be pushed is calculated according to the credit application, the loan rule information of each product to be pushed, and the scoring rule to determine at least one target credit product.

[0062] When the value of the exclusive factor in the credit application meets the exclusive rule of the funding product of the funding channel, it is determined as a product to be pushed; it can be understood that after the screening in S230, there may be products to be pushed, or there may not be products to be pushed. S240 is executed when at least one product to be pushed is obtained through screening.

[0063] There may be one or more scoring rules corresponding to a credit category, and the scores obtained by the multiple scoring rules may be weighted summed or calculated in other ways to obtain the final push score. Specifically, the corresponding relationship between the credit category and the scoring rule may be saved by pre-configuration.

[0064] The loan rule information of each product to be pushed may include the rate, number of installments supported, maximum loan amount and minimum loan amount, etc. The specific information shall be subject to the actual situation.

[0065] The push score of each product to be pushed is calculated based on the credit application, the loan rule information of each product to be pushed, and the scoring rule. The scoring rule can be understood as a scoring formula for calculating the score. First, the data that needs to be substituted (such as transaction amount and order volume, etc.) is obtained based on the scoring formula, and then the corresponding data is obtained from the credit application and the loan rule information of each product to be pushed, and substituted into the scoring formula for calculation, and finally the push score of each product to be pushed is determined; after the push score of each product to be pushed is determined, at least one target credit product can be determined according to the score. The target credit product can be understood as the credit product that needs to be pushed to the financing object in the end.

[0066] Furthermore, the above scoring rules can be adjusted in real time according to market and environmental changes. Specifically, the weight parameters of the formula can be adjusted. A simple example is: channel fund product A and channel fund product B can be pushed according to the rate. The scoring rule will have the parameter (platform rate / channel rate)*weight. At this time, if the product sensitivity is profit priority, the parameter of the rate ratio can be increased; if the formula is not suitable, the existing scoring formula is replaced by other scoring formulas, which can be defined in real time according to the market. Among them, the scoring formula can be composed of various calculation rules and scoring factors. Different scoring factors correspond to different data extraction schemes (data can be provided through user information, scenario information, big data, etc.), and the results are formed and output through formula aggregation factors and calculation rules. The role of the final push score is that the credit platform automatically selects the higher score for push, or provides a basis for the operator of the credit platform to conduct manual review.

[0067] S250: Push at least one target credit product to the financing object.

[0068] In the above embodiments of the present application, the execution subject may be a credit platform, and of course, it may be selected and changed according to the actual situation. In the credit product push method of the above embodiments, the present application identifies the credit application of the financing object and determines the corresponding credit category. Each credit category is configured with at least one or even multiple funding channels, as well as exclusive factors and scoring rules. Based on the exclusive factors and scoring rules, the funding products of multiple funding channels corresponding to the credit application are screened and scored, and finally a channel funding product that matches the credit application of the financing object can be obtained. By integrating and configuring multiple channel funding products on the same credit platform, and automatically matching channel funding products according to user needs, specifically, on the credit platform of the present application, the same credit category, such as consumer loans, has multiple channel funding products that support consumption, and different channel funding products have different periods, rates, etc. By providing a unified credit platform, similar to the procurement of factory manufacturing resources, multiple channel funding products with roughly the same borrower information and basically the same business attributes are merged into a product of one credit category. After determining the credit category of the financing object, the final push is also the funding product corresponding to the category. The platform can dynamically match the appropriate channel funding products according to the specific circumstances of the financing object, such as business scale, number of monthly orders, amount, etc., so that the functions of the platform products can better meet the needs of the market and users; and the platform products automatically match channel funding products according to the credit category through two-layer rule gateways (exclusive gateway and scoring gateway), so that the financing object can match the desired funding products more quickly and accurately, with high user stickiness and good market prospects. By unifying the upper-level products, it is avoided that too many products of the same type make users have no choice; the same product channel can be switched dynamically or manually without perception according to the rules; the credit platform can dynamically and real-time adjust the scoring rules to achieve accurate matching; the scoring formula can be flexibly defined through the selection of calculation rules and scoring factors, and the adaptation range is wider.

[0069] In one embodiment, the credit application carries current order information; S210 specifically includes: obtaining the current order information in the credit application; and determining a corresponding credit category according to the current order information.

[0070] Among them, the current order information in the credit application may include the current order amount and the current order volume; in this embodiment, the corresponding credit category can be determined according to the current order amount and / or the current order volume.

[0071] In one embodiment, the number of exclusive factors is at least one, and the credit application carries the value of each exclusive factor; at least one exclusive factor is determined based on the application requirements of funding products of multiple funding channels; S230 specifically includes: determining the value of each exclusive factor in the credit application; determining that the value of each exclusive factor meets the application requirements corresponding to the funding products of the funding channel, and using the funding products of the funding channel as products to be pushed.

[0072] The application requirements for the funding products of the funding channel can be understood as the conditions and requirements required to apply for the funding products of the funding channel; for example, for business operation loans, the corresponding application requirements may include the age range of the legal person, the shareholding ratio of the financing object, the registration time of the business license, the annual transaction volume of the enterprise, etc. At least one exclusive factor can be determined according to the application requirements, for example, the exclusive factor can be determined as the age of the legal person, the registration time of the business license, etc. The credit application can carry the corresponding values ​​of the legal person's age and the registration time of the business license. If the above values ​​meet the application requirements corresponding to the funding products of the funding channel, the funding products of the funding channel can be used as products to be pushed and enter the subsequent scoring stage.

[0073] In one embodiment, S240 specifically includes: determining each scoring factor in the scoring rule; determining the value of each scoring factor corresponding to each product to be pushed based on the credit application and the loan rule information of each product to be pushed; calculating the value of each scoring factor of each product to be pushed according to the scoring rule to obtain the push score of each product to be pushed.

[0074] According to the above content, the scoring rules can be understood as scoring formulas, and the variables in the formula can be understood as scoring factors; for example, the scoring formula is shareholder risk valuation / 20*(annual transaction amount of the transaction party / 1000W*transaction amount weight of the transaction party+annual transaction amount of the financing object / 100W*transaction amount weight of the financing object+current loan amount of the financing object / annual transaction amount of the transaction party*100*ratio of the financing object's transaction amount), among which the shareholder risk valuation, annual transaction amount of the transaction party, annual transaction amount of the financing object, current loan amount of the financing object, annual transaction amount of the transaction party, etc. can be identified as scoring factors in the scoring rules, and the values ​​of each scoring factor can be obtained based on the credit application and the loan rule information of each product to be pushed.

[0075] In one embodiment, the credit application also carries basic information about the financing object, and the current order information includes basic information about the transaction object; when each scoring factor in the scoring rule includes a big data factor, S240 may further include: obtaining basic information about the financing object and the transaction object respectively according to the credit application; obtaining transaction big data of the financing object and the transaction object according to the basic information of the financing object and the transaction object, as the value of the big data factor corresponding to each product to be pushed.

[0076] Big data factors can be understood as scoring factors whose values ​​need to be obtained through big data means. The means of obtaining the values ​​of big data factors include but are not limited to database collection, system log collection, network data collection, data mining, etc.

[0077] The transaction big data of the above-mentioned financing objects may include the transaction amount of the financing objects within a set period of time. The transaction big data of the transaction objects may include the transaction amount of the transaction objects within a set period of time. The set period of time may be days, months, years, etc.

[0078] In a specific implementation, supply chain finance is used as an example. Financier A purchases production parts from the seller (transaction party) and needs a loan. Among them, the scoring rule can be a mathematical formula derived by the credit platform based on industry market analysis and historical experience analysis; the scoring factors of the scoring rule can specifically include user factors, order factors and big data factors. Among them, the user factor value can be obtained through the basic information of the financing object in the credit application, such as business license, legal person, shareholder and other information; the order factor value can be obtained through the current order information in the credit application, such as the seller information, order amount, transaction product, etc. of the current loan transaction order; the big data factor value can be obtained by selecting the corresponding big data tool to collect the basic information of the financing object and the transaction object; the big data factor value can be the annual transaction amount of the financing object and the annual transaction amount of the seller, etc.

[0079] In one embodiment, S240 specifically includes: if the push score of the product to be pushed exceeds the set threshold, the product to be pushed is determined as a target credit product; S250 specifically includes: displaying at least one target credit product one by one according to the score from high to low to push to the financing object. In this way, the financing object can quickly purchase a credit product that is suitable for its own conditions and needs.

[0080] In one embodiment, after S230, the credit product push method further includes: generating a rejection message for the credit application and notifying the financing object when no product to be pushed is screened out.

[0081] In a specific embodiment, failure to screen out the products to be pushed can be understood as determining that the values ​​of the exclusive factors in the credit application do not meet the requirements for the submission of funding products from multiple funding channels.

[0082] The credit product push method proposed in this application can be applied to the credit platform. Specifically, it can define a unified platform product for business scenarios to facilitate the access of channel fund products; the credit platform can expand the platform product adaptation range and improve the platform product value by accessing multiple channel fund products; the credit platform can automatically select the channel fund product with the highest matching degree with the user according to the rules based on the data of the business scenario (such as user information, order information, etc.), so as to avoid customers from choosing too many products and being unable to accurately locate and adapt their own products, thereby improving the success rate of product use. The credit platform combines the existing multi-channel fund products, classifies the platform product types, and performs unified platform product packaging, and provides products with unified steps distinguished by type to the outside world. Moreover, it can select different channel fund products to be added to the credit platform according to the scenarios and the adaptability of the platform product definition through the above-mentioned rule routing. For example, there is already a supply chain upstream order loan on the credit platform. For this credit product, the required information includes upstream manufacturer information, order information, transaction amount between buyers and sellers, etc. If a channel fund product is also a mortgage loan for this type of manufacturer, and the required data can be covered by this credit platform, it can be added to this credit platform. After the channel funding product is added, fill in the corresponding parameters and it can be used for the subsequent calculation of the unified rule formula. Specific parameters such as channel funding product rates, support periods, maximum and minimum loan amounts, and other standardized values ​​customized by the credit platform; in this way, the adaptation scope of the credit platform can be effectively expanded.

[0083] It should be understood that, for the aforementioned various method embodiments, although the various steps in the flow chart are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flow chart of the method embodiment may include a plurality of sub-steps or a plurality of stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these sub-steps or stages is not necessarily carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0084] Based on the same inventive concept, the embodiment of the present application also provides a credit product push device for implementing the credit product push method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more credit product push device embodiments provided below can refer to the limitations of the credit product push method above, and will not be repeated here.

[0085] In one embodiment, Figure 3As shown, a credit product push device 300 is provided, comprising: a determination module 301, an acquisition module 302, a screening module 303, a scoring module 304 and a push module 305, wherein:

[0086] The determination module 301 is used to detect the credit application of the financing object and determine the corresponding credit category;

[0087] An acquisition module 302 is used to acquire funding products of multiple funding channels corresponding to a credit category;

[0088] The screening module 303 is used to obtain the exclusive factor corresponding to the credit category and screen the capital products of multiple funding channels according to the value of the exclusive factor in the credit application;

[0089] Scoring module 304, for obtaining scoring rules corresponding to the credit category when at least one product to be pushed is screened, and calculating a push score for each product to be pushed according to the credit application, the loan rule information of each product to be pushed, and the scoring rules, so as to determine at least one target credit product;

[0090] The push module 305 is used to push at least one target credit product to the financing object.

[0091] In one embodiment, the credit application carries current order information; the determination module 301 is specifically used to obtain the current order information in the credit application; and determine the corresponding credit category according to the current order information.

[0092] In one embodiment, the number of exclusive factors is at least one, and the credit application carries the value of each exclusive factor; at least one exclusive factor is determined based on the application requirements of funding products of multiple funding channels; the screening module 303 is specifically used to determine the value of each exclusive factor in the credit application; determine that the value of each exclusive factor meets the application requirements corresponding to the funding product of the funding channel, and use the funding product of the funding channel as the product to be pushed.

[0093] In one embodiment, the scoring module 304 is specifically used to determine each scoring factor in the scoring rules; determine the value of each scoring factor corresponding to each product to be pushed according to the credit application and the loan rule information of each product to be pushed; calculate the value of each scoring factor of each product to be pushed according to the scoring rules to obtain the push score of each product to be pushed.

[0094] In one embodiment, the credit application also carries basic information about the financing object, and the current order information includes basic information about the transaction object; when each scoring factor in the scoring rule includes a big data factor, the scoring module 304 can be further used to obtain the basic information of the financing object and the transaction object respectively according to the credit application; based on the basic information of the financing object and the transaction object, the transaction big data of the financing object and the transaction object are obtained as the value of the big data factor corresponding to each product to be pushed.

[0095] In one embodiment, the scoring module 304 is specifically used to determine the product to be pushed as a target credit product if the push score of the product to be pushed exceeds a set threshold; the push module 305 is specifically used to display at least one target credit product one by one according to the score from high to low so as to push it to the financing object.

[0096] In one embodiment, the credit product push device further includes: a rejection module, which is used to generate a rejection message for the credit application and notify the financing object when no product to be pushed is screened out.

[0097] The specific definition of the credit product push device can be found in the definition of the credit product push method above, which will not be repeated here. Each module in the above-mentioned credit product push device can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the credit platform in the form of hardware, or can be stored in the memory in the credit platform in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0098] In addition, in the implementation of the credit product push device in the above-mentioned example, the logical division of each program module is only an example. In actual application, the above-mentioned functions can be assigned to different program modules as needed, for example, for the configuration requirements of the corresponding hardware or the convenience of software implementation. That is, the internal structure of the credit product push device is divided into different program modules to complete all or part of the functions described above.

[0099] In one embodiment, a credit platform is provided. The credit platform may be a terminal or other computer device. The internal structure diagram of the credit platform may be as follows: Figure 4As shown. The credit platform includes a processor, a memory, an input / output interface, a communication interface, a display unit and an input device. Among them, the processor, the memory and the input / output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input / output interface. Among them, the processor of the credit platform is used to provide computing and control capabilities. The memory of the credit platform includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the credit platform is used to exchange information between the processor and the external device. The communication interface of the credit platform is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a credit product push method is implemented. The display unit of the credit platform is used to form a visually visible picture, which can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the credit platform can be a touch layer covering the display screen, or a key, trackball or touchpad provided on the outer shell of the credit platform, or an external keyboard, touchpad or mouse.

[0100] Those skilled in the art will understand that Figure 4 The structure shown in the figure is only a block diagram of a part of the structure related to the present application scheme, and does not constitute a limitation on the credit platform to which the present application scheme is applied. The specific credit platform may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0101] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0102] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0103] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0104] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification. In the above embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0105] The terms "including" and "having" and any variations thereof in the embodiments herein are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device comprising a series of steps or (module) units is not limited to the listed steps or units, but may optionally include steps or units not listed, or may optionally include other steps or units inherent to these processes, methods, products or devices. "Multiple" mentioned herein refers to two or more.

[0106] The above-mentioned embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the invention patent. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the patent of the present application shall be subject to the attached claims.

Claims

1. A credit product push method, the method comprising: Detecting the credit application of the financing object and determining the corresponding credit category; Obtaining funding products from multiple funding channels corresponding to the credit category; Obtaining an exclusive factor corresponding to the credit category, and screening the funding products of the multiple funding channels according to the value of the exclusive factor in the credit application; When at least one product to be pushed is obtained through screening, a scoring rule corresponding to the credit category is obtained, and a push score of each product to be pushed is calculated according to the credit application, the loan rule information of each product to be pushed, and the scoring rule, so as to determine at least one target credit product; The at least one target credit product is pushed to the financing object.

2. The method according to claim 1, characterized in that The credit application carries current order information; The step of determining the credit category corresponding to the credit application comprises: Obtaining the current order information in the credit application; According to the current order information, a corresponding credit category is determined.

3. The method according to claim 1, characterized in that The number of the exclusive factor is at least one, and the credit application carries the value of each exclusive factor; the at least one exclusive factor is determined according to the application requirements of the funding products of the multiple funding channels; The step of screening the funding products of the multiple funding channels according to the value of the exclusive factor in the credit application to obtain at least one product to be pushed includes: determining a value for each exclusive factor in the credit application; Make sure that the value of each exclusive factor meets the corresponding entry requirements of the funding products of the funding channel, and set the funding products of the funding channel as products to be pushed.

4. The method according to claim 2, characterized in that: The step of calculating the push score of each product to be pushed according to the credit application, the loan rule information of each product to be pushed and the scoring rule comprises: Determine each scoring factor in the scoring rule; Determine the value of each scoring factor corresponding to each product to be pushed according to the credit application and the loan rule information of each product to be pushed; The values ​​of the scoring factors of each product to be pushed are calculated according to the scoring rules to obtain the push score of each product to be pushed.

5. The method according to claim 4, characterized in that The credit application also carries the basic information of the financing object, and the current order information includes the basic information of the transaction object; In the case where each scoring factor in the scoring rule includes a big data factor, the step of determining the value of the big data factor corresponding to each product to be pushed according to the credit application includes: According to the credit application, basic information of the financing object and the transaction object are respectively obtained; According to the basic information of the financing object and the transaction object, the transaction big data of the financing object and the transaction object are correspondingly obtained as the value of the big data factor corresponding to each product to be pushed.

6. The method according to any one of claims 2 to 5, characterized in that The step of determining at least one target credit product according to the push score of each product to be pushed includes: If the push score of the product to be pushed exceeds the set threshold, the product to be pushed is determined as a target credit product; The step of pushing the at least one target credit product to the financing object includes: The at least one target credit product is displayed one by one according to the score from high to low so as to be pushed to the financing object.

7. The method according to any one of claims 2 to 5, characterized in that After the step of screening the funding products of the multiple funding channels, the method further includes: In the case that the product to be pushed is not screened out, a rejection message for the credit application is generated and notified to the financing object.

8. A credit product push device, characterized in that: The device comprises: A determination module, used to detect the credit application of the financing object and determine the corresponding credit category; An acquisition module, used to acquire funding products of multiple funding channels corresponding to the credit category; A screening module, used to obtain an exclusive factor corresponding to the credit category, and screen the funding products of the multiple funding channels according to the value of the exclusive factor in the credit application; A scoring module is used to obtain the scoring rules corresponding to the credit category when at least one product to be pushed is screened, and calculate the push score of each product to be pushed according to the credit application, the loan rule information of each product to be pushed and the scoring rules, so as to determine at least one target credit product; A push module is used to push the at least one target credit product to the financing object.

9. A credit platform, comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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