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WO2019061613A1 - Procédé de criblage d'habilitation pour un prêt, dispositif et support de stockage lisible par ordinateur - Google Patents

Procédé de criblage d'habilitation pour un prêt, dispositif et support de stockage lisible par ordinateur Download PDF

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Publication number
WO2019061613A1
WO2019061613A1 PCT/CN2017/107423 CN2017107423W WO2019061613A1 WO 2019061613 A1 WO2019061613 A1 WO 2019061613A1 CN 2017107423 W CN2017107423 W CN 2017107423W WO 2019061613 A1 WO2019061613 A1 WO 2019061613A1
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WIPO (PCT)
Prior art keywords
loan
information
screening
qualification
customer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2017/107423
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English (en)
Chinese (zh)
Inventor
夏杰
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Filing date
Publication date
Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2019061613A1 publication Critical patent/WO2019061613A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the present application relates to the field of loan technology, and in particular, to a loan qualification screening method, apparatus, and computer readable storage medium.
  • the main purpose of the present application is to provide a loan qualification screening method, device and computer readable storage medium, which aim to solve the problem of repeated loan qualification screening, low conversion rate and repayment risk in the prior art.
  • the present application provides a loan qualification screening method, and the loan qualification screening method includes the following steps:
  • the step of determining that the loan review information corresponds to the customer's loan qualification includes:
  • the step of determining whether the loan audit information matches the preset screening information comprises:
  • the reason for the unqualified loan qualification is output, and the text attribute of the unqualified loan qualification is set to read-only.
  • the step of setting the text attribute of the unqualified loan qualification to read-only includes:
  • the identity in the customer corresponding basic information is set to have no loan qualification.
  • the step of comparing the loan audit information with the preset screening information comprises:
  • Determining an attribute of the loan product and determining a plurality of screening information items according to the attribute, wherein the plurality of screening information items include a plurality of mandatory information items and a plurality of optional information items;
  • the reference information of each screening information item is determined, and the reference information is used as the preset screening information.
  • the step of determining whether the loan review information and the preset screening information match comprises:
  • the loan review information corresponds to the customer's loan qualification as a screening to be tracked.
  • the determining the loan review information corresponding to the customer's loan qualification is a step of screening to be tracked, including:
  • the step of determining that the loan review information corresponds to the customer's loan qualification includes:
  • the present application further provides a loan qualification screening apparatus, where the loan qualification screening apparatus includes: a memory, a processor, a communication bus, and a loan qualification screening program stored on the memory;
  • the communication bus is used to implement connection communication between a processor and a memory
  • the processor is configured to execute the loan qualification screening process to implement the following steps:
  • the present application also provides a computer readable storage medium storing one or more programs, the one or more programs being configurable by one or more processors Execute for:
  • the loan qualification screening method and device and the computer readable storage medium of the embodiment compare the loan audit information with the preset screening information by comparing the obtained basic information of the loan application client as the loan review information to determine the loan review. Whether the information and the preset screening information match, when matching, it can be determined that the loan qualification of the customer corresponding to the loan audit information is qualified.
  • the program pre-sets the screening information of each loan product, and compares the basic information of the customer as the loan review information with the preset screening information.
  • the solution indicates The customer information corresponding to the loan review information is in the preset screening information, that is, the loan product corresponding to the customer information exists in the loan product as the preset screening information, and the customer has the qualification for the loan of the loan product. Therefore, it is judged that the customer's loan qualification is qualified, avoiding the screening and auditing of multiple loan qualifications for the same customer for different loan products, saving time and labor costs; and matching customer information with loan products, targeted and capable of improving Service efficiency and loan conversion rate reduce the risk of subsequent repayments.
  • FIG. 1 is a schematic flow chart of a first embodiment of a loan qualification screening method of the present application
  • FIG. 2 is a schematic flow chart of a second embodiment of a loan qualification screening method of the present application.
  • FIG. 3 is a schematic flow chart of a third embodiment of a loan qualification screening method of the present application.
  • FIG. 4 is a schematic flow chart of a fourth embodiment of a loan qualification screening method of the present application.
  • FIG. 5 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.
  • the application provides a loan qualification screening method.
  • FIG. 1 is a schematic flowchart diagram of a first embodiment of a loan qualification screening method according to the present application.
  • the loan qualification screening method includes:
  • step S10 basic information of the client of the loan application end is obtained, and the basic information is used as loan review information.
  • loan products such as Ping An Hui Hui's easy to wait, car owner loan, excellent mortgage, home mortgage, etc.
  • Different loan products are suitable for different customer needs, such as targeting a specific Loans in the region, or loans for a specific age group. Therefore, when applying for a loan, the client needs to have a screening review of whether the customer has the loan qualification for applying for the loan.
  • the client applies for a loan through the loan application end.
  • the loan application end can be a smart terminal such as a mobile phone or a computer. This application obtains the basic information of the customer at the loan application end, and uses the basic information of the customer as the loan review information to be used as a loan review.
  • the basic information of the information determines whether the customer has the basic conditions for applying for a loan product.
  • the basic information of the customer includes the date of birth, the current city of residence, whether it is a local account, and whether there is a credit record.
  • the customer applying for the loan may be an old customer who has applied for a loan or a credit card before, and the previous application requires customer information, so that the basic information of the customer can be judged by judging whether the customer is an old customer.
  • the previous processing record is extracted, and the basic information of the customer is obtained.
  • the old customer can also obtain the basic information by entering the basic information at the loan application end; when it is judged that the customer is a new customer, the customer can be extracted.
  • the basic information entered on the loan application side, and the basic information of the customer is obtained.
  • Step S20 comparing the loan review information with the preset screening information, and determining whether the loan review information and the preset screening information match.
  • the screening information is pre-set for different loan products, that is, the preset screening information is obtained, and after obtaining the basic information of the customer as the loan review information, the loan review information and the preset screening information are compared, Determine whether the loan review information matches the preset filter information.
  • the preset screening information is the basic information that the loan product needs to meet, such as the age and city suitable for the loan product, and the basic information is used for comparison to determine whether the customer has the qualification for applying for the loan, and the customer who does not apply for the loan qualification is excluded. Avoid taking the time to maintain this customer.
  • Step S30 when the loan review information and the preset screening information match, it is determined that the loan audit information is qualified according to the customer's loan qualification.
  • the loan review information matches the preset screening information
  • the loan review information is within the preset screening information, and the loan product corresponding to the customer basic information exists, thereby determining the customer corresponding to the loan review information.
  • the loan qualification is qualified and the client has the basic qualifications to apply for the loan product.
  • the customer group targeted by the product A is a customer in the Shenzhen area between the ages of 25 and 35
  • the customer group targeted by the product B is a customer in the Guangzhou area between the ages of 30 and 40. Therefore, the basic screening information can be set as product A: Shenzhen area, between 25 and 35 years old; product B: Guangzhou area, between 30 and 40 years old.
  • the basic information is extracted as loan review information, where M is a customer of age 55, N is a 28-year-old customer in Shenzhen, and p is a customer aged 38 in Guangzhou.
  • the area and age of the customers M, N, and P are compared with the preset screening information of the products A and B, respectively, and it is determined that the customer N has the loan qualification for applying for the loan product A, and the customer P has the loan qualification for applying for the loan product B. Therefore, the customer's loan qualification is determined according to the comparison result between the customer's loan review information and the preset screening information.
  • the remark information can also receive the remark information, and according to the remark information received, remark the information corresponding to the loan qualification screening. After confirming that the customer's loan qualification is qualified, after communicating with the customer to clarify the customer's loan intention, the This loan intention is noted as a remark.
  • targeted services can be implemented according to the loan qualification, and at the same time, screening for different loan products can be avoided, resulting in repeated screening work and increased labor costs.
  • the loan qualification screening method of the embodiment includes: obtaining basic information of a customer at the loan application end, and using the basic information as loan review information; comparing the loan review information with preset screening information, and determining the loan review information. And whether the preset screening information matches; when the loan review information and the preset screening information match, the loan review information is determined to be qualified by the customer's loan qualification.
  • the program pre-sets the screening information of each loan product, and compares the basic information of the customer as the loan review information with the preset screening information.
  • the solution indicates The customer information corresponding to the loan review information is in the preset screening information, that is, the loan product corresponding to the customer information exists in the loan product as the preset screening information, and the customer has the qualification for the loan of the loan product. Therefore, it is judged that the customer's loan qualification is qualified, avoiding the screening and auditing of multiple loan qualifications for the same customer for different loan products, saving time and labor costs; and matching customer information with loan products, targeted and capable of improving Service efficiency and loan conversion rate reduce the risk of subsequent repayments.
  • determining loan review information corresponds to the customer's loan qualification. Subsequent steps include:
  • Step S40 Determine a loan product corresponding to the preset screening information that matches the loan review information, and deliver the loan review information to a sales system corresponding to the loan product.
  • preset screening information is set for the various loan products.
  • the loan review information and the preset screening information match, the loan review information needs to be determined. Which loan product's default screening information matches, thereby determining the loan review information corresponding to the customer's loan qualification.
  • the basic information of the customer is: male, 35 years old, currently living in Shenzhen, loan products A1, A2 and A3.
  • the default screening information is: loan product A1, for women, aged between 20 and 40, living In Shenzhen; loan product A2, for men, aged between 30 and 40 years old, living in Shenzhen; loan product A3, age between 25 and 45 years old, regardless of age and place of residence; thus the customer's loan review information Compared with the preset screening information, it can be determined that the customer's loan review information matches the loan products A2 and A3, and the customer can initially determine that the customer has the loan qualifications for applying for products A2 and A3. Thereafter, in order to better provide targeted services to customers, it is necessary to deliver the customer's audit information to the sales system corresponding to the loan product.
  • the customer's loan review information is delivered to the sales systems of products A2 and A3, and the sales personnel of products A2 and A3 perform deep service according to the customer's loan review information.
  • the program can realize targeted services and enhance the customer experience.
  • determining the loan review information and the preset The steps to filter whether the information matches are:
  • Step S50 When the loan review information and the preset screening information do not match, determine that the loan review information corresponds to the customer's loan qualification is unqualified;
  • step S60 the reason for the unqualified loan qualification is output, and the text attribute of the unqualified loan qualification is set to read-only.
  • the loan can be determined.
  • the audit information corresponds to the customer's loan qualification is unqualified, the customer does not have the qualification to apply for any loan, at this time, the reason for the unqualified loan qualification is displayed, so that the customer can explain the unqualified reason according to the displayed reasons when the phone or network inquiry is made.
  • the text attribute of the customer's unqualified loan qualification is set to read-only, and cannot be modified to prevent the customer from being maliciously modified to apply for a loan without the application loan, thereby avoiding the loan.
  • Step S70 setting the identity identifier in the customer corresponding basic information to not have the loan qualification.
  • the current customer does not have the qualification to apply for a loan product
  • the customer if the customer is stored in the customer list, or the customer information is stored in the system, there may be a possibility of screening the customer again, that is, repeated screening occurs. . Therefore, when the customer's loan review information and the preset screening information do not match, the basic information corresponding to the customer is deleted to avoid repeated screening.
  • the customer may apply again, so that the identity in the basic information is set to have no loan qualification, and the identity is an identifier for characterizing the uniqueness of the user, such as an ID number, when receiving the re-application By identification, it can be judged as a customer who does not have the loan qualification, no longer review other information, and speed up the review process.
  • the loan product that may be subsequently launched may be suitable for the customer, that is, the customer may have the qualification to apply for the newly-launched loan product, so that the customer can be set as the customer to be developed, and the basic information is retained.
  • a new loan product it is determined by the identity that it does not have the qualification for the previous loan product, and only judges whether it has the qualification to apply for a new loan product, speeding up the audit and preventing the loss of the customer.
  • the loan review information and the preset are The steps to filter the information before the comparison include:
  • Step S80 determining an attribute of the loan product, and determining a plurality of screening information items according to the attribute, wherein the plurality of screening information items include a plurality of mandatory information items and a plurality of optional information items;
  • Step S90 determining reference information of each screening information item, and using the reference information as preset screening information.
  • the product promoter or developer will enter the attributes of the loan product into the product management system and upload it to the server through the product management system.
  • the server has a total set of all screening information items for various loan products. After receiving the attributes of the loan product, it is determined whether the product attribute exists in the total collection.
  • the filtering information item corresponding to the product attribute is determined.
  • the filtering information item includes the mandatory information item and the optional information item, and the information must be filled in the required information item, and the optional information item can be filled in. You can leave the information blank.
  • gender and region are regarded as mandatory information items, and other such as age, marital status, etc. are optional information items.
  • the reference information of each screening information item needs to be determined, and the reference information is the preset screening information, which is compared with the customer's loan audit information.
  • the reference information may be determined according to the attributes of the loan product.
  • the attribute of the loan product is applicable to a population between 25 and 35 years old
  • the mandatory information item is age
  • the corresponding reference information is 25 to 35 years old.
  • Step S21 Obtain parameter values in all mandatory information items to determine whether the corresponding loan review information is filled in all the required information items.
  • Step S22 When the parameter values are not null, it is determined that all the required information items are filled in the corresponding loan review information;
  • Step S23 Obtain loan review information filled in each mandatory information item, and compare the consistency between the loan audit information and the preset screening information in the corresponding mandatory information item to determine the loan review information. Whether it matches the preset filter information;
  • Step S24 When the parameter value part is a null value, if it is determined that none of the plurality of mandatory information items are filled in the corresponding loan review information, the loan review information corresponds to the customer's loan qualification as a screening to be tracked.
  • the screening information item for the comparison and the corresponding reference information when the basic information of the customer is obtained for matching, it is first determined whether the required information items in the screening information item are filled with the corresponding loan. Review information.
  • the parameter value in the mandatory information item is read by the program script, and it is judged whether the read parameter value is a null value. When the read parameter value is not null, the mandatory information item is filled with the loan review information. .
  • the loan review information is further obtained, and the obtained loan review information and the reference information (ie, the preset screening information) are compared to determine whether the loan review information is Matches the preset filter information.
  • one of the mandatory information items is age, and the preset screening information is between 20 and 40 years old, and when the corresponding loan review information is 50, the loan review information 50 and the preset screening information 20 ⁇ If 40 is not in the range of 20 to 40, it is determined that the loan review information and the preset screening information do not match. Through the matching of the loan review information and the preset screening information, it is determined whether the customer has the qualification to apply for a loan.
  • the parameter value of the mandatory information item is read by the program script, and the parameter value is determined to be a null value, that is, the loan review information is not filled in the required information item, indicating that the loan review information is not filled in the required information item.
  • the item, that is, the mandatory information item is not filled with the corresponding loan review information.
  • Some of the required information items are filled with the loan review information, and the other part is not filled out. It is not possible to judge whether the customer has the loan qualification, so as to determine whether the loan review information corresponds to the customer's loan qualification as a screening to be tracked, in order to further obtain the customer's mandatory information.
  • the information in the item, and thus determining the loan review information corresponding to the customer's loan qualification as a step of screening to be tracked includes:
  • step S25 the loan qualification is determined and displayed to filter the loan area of the customer to be tracked and the subsequent follow-up time.
  • the salesperson in this area can be identified, and the salesperson can contact the customer at the contact time to obtain the necessary basic information of the customer, and determine whether the customer has the loan qualification based on the necessary basic information, thereby obtaining the customer's acquisition. More precise, to prevent customer loss.
  • the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • FIG. 5 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.
  • the loan qualification screening device in the embodiment of the present application may be a PC, or may be a smart phone, a tablet computer, an e-book reader, and an MP3 (Moving). Picture Experts Group Audio Layer III, motion picture expert compression standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 3) terminal devices such as players and portable computers.
  • MP3 Motion Picture Experts Group Audio Layer III, motion picture expert compression standard audio layer 3
  • MP4 Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 3 terminal devices such as players and portable computers.
  • the loan qualification screening device may include a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between the processor 1001 and the memory 1005.
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the loan qualification screening device may further include a user interface, a network interface, a camera, and an RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • the user interface may include a display, an input unit such as a keyboard, and the optional user interface may also include a standard wired interface, a wireless interface.
  • the network interface can optionally include a standard wired interface or a wireless interface (such as a WI-FI interface).
  • loan qualification screening device structure shown in FIG. 5 does not constitute a limitation on the loan qualification screening device, and may include more or less components than the illustration, or combine some components, or different. Parts layout.
  • an operating system may be included in the memory 1005 as a computer storage medium.
  • the operating system is a program that manages and controls the hardware and software resources of the loan qualification screening device, and supports the operation of the loan qualification screening program and other software and/or programs.
  • the network communication module is used to enable communication between components within the memory 1005 and to communicate with other hardware and software in the loan qualification screening device.
  • the processor 1001 is configured to execute the loan qualification screening program stored in the memory 1005, and implement the following steps:
  • the processor 1001 is configured to execute the loan qualification screening program stored in the memory 1005, and implement the following steps:
  • the processor 1001 is configured to execute the loan qualification screening program stored in the memory 1005, and implement the following steps:
  • the reason for the unqualified loan qualification is output, and the text attribute of the unqualified loan qualification is set to read-only.
  • the processor 1001 is configured to execute the loan qualification screening program stored in the memory 1005, and implement the following steps:
  • the identity in the customer corresponding basic information is set to have no loan qualification.
  • the processor 1001 is configured to execute the loan qualification screening program stored in the memory 1005, and implement the following steps:
  • Determining an attribute of the loan product and determining a plurality of screening information items according to the attribute, wherein the plurality of screening information items include a plurality of mandatory information items and a plurality of optional information items;
  • the reference information of each screening information item is determined, and the reference information is used as the preset screening information.
  • step of determining whether the loan review information and the preset screening information match comprises:
  • the loan review information corresponds to the customer's loan qualification as a screening to be tracked.
  • the processor 1001 is configured to execute the loan qualification screening program stored in the memory 1005, and implement the following steps:
  • the processor 1001 is configured to execute the loan qualification screening program stored in the memory 1005, and implement the following steps:
  • the application provides a computer readable storage medium storing one or more programs, the one or more programs being further executable by one or more processors for:
  • the one or more programs may also be executed by one or more processors for:
  • the one or more programs may also be executed by one or more processors for:
  • the reason for the unqualified loan qualification is output, and the text attribute of the unqualified loan qualification is set to read-only.
  • the one or more programs may also be executed by one or more processors for:
  • the identity in the customer corresponding basic information is set to have no loan qualification.
  • the one or more programs may be executed by one or more processors for:
  • Determining an attribute of the loan product and determining a plurality of screening information items according to the attribute, wherein the plurality of screening information items include a plurality of mandatory information items and a plurality of optional information items;
  • the reference information of each screening information item is determined, and the reference information is used as the preset screening information.
  • step of determining whether the loan review information and the preset screening information match comprises:
  • the loan review information corresponds to the customer's loan qualification as the screening to be tracked further, and the determined loan review information corresponds to After the customer's loan qualification is a step of screening for tracking, the one or more programs may also be executed by one or more processors for:
  • the one or more programs may also be executed by one or more processors for:
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, or a network device, etc.

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Abstract

La présente invention concerne un procédé de criblage d'habilitation pour un prêt, un dispositif et un support de stockage lisible par ordinateur, le procédé comportant les étapes consistant à: acquérir des informations de base d'un client d'un terminal de demande de prêt, et utiliser les informations de base en tant qu'informations d'examen de prêt; comparer les informations d'examen de prêt à des informations de criblage préétablies, et déterminer si les informations d'examen de prêt concordent avec les informations de criblage préétablies; si les informations d'examen de prêt concordent avec les informations de criblage préétablies, déterminer l'habilitation pour le prêt du client qui correspond aux informations d'examen de prêt à valider. Dans la présente solution, au moyen de l'établissement préalable d'informations de criblage pour divers produits de prêt, et lorsque le résultat de comparaison d'informations d'examen de prêt d'un client et d'informations de criblage préétablies est cohérent, l'habilitation du client pour le prêt est validée et le client est éligible pour solliciter un produit de prêt. Ainsi, la réalisation d'un criblage et d'un examen en vue d'une habilitation pour un prêt à de multiples reprises pour différents produits de prêt peut être évitée, d'où une économie de temps et de coûts; les informations du client concordent avec un produit de prêt, la pertinence est donc élevée, ce qui peut améliorer l'efficience du service et le taux de conversion en prêts tout en réduisant le risque sur les remboursements.
PCT/CN2017/107423 2017-09-30 2017-10-24 Procédé de criblage d'habilitation pour un prêt, dispositif et support de stockage lisible par ordinateur Ceased WO2019061613A1 (fr)

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CN201710927707.0A CN107730377A (zh) 2017-09-30 2017-09-30 贷款资质筛选方法、装置及计算机可读存储介质
CN201710927707.0 2017-09-30

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CN112418798A (zh) * 2020-11-23 2021-02-26 平安普惠企业管理有限公司 信息审核方法、装置、电子设备及存储介质
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CN109035002A (zh) * 2018-06-28 2018-12-18 考拉征信服务有限公司 一种数据对象的匹配方法、装置、介质和电子设备
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