CN107730377A - Qualification of providing a loan screening technique, device and computer-readable recording medium - Google Patents
Qualification of providing a loan screening technique, device and computer-readable recording medium Download PDFInfo
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- CN107730377A CN107730377A CN201710927707.0A CN201710927707A CN107730377A CN 107730377 A CN107730377 A CN 107730377A CN 201710927707 A CN201710927707 A CN 201710927707A CN 107730377 A CN107730377 A CN 107730377A
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- 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
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- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention, which discloses a kind of loan qualification screening technique, device and computer-readable recording medium, methods described, to be included：The essential information of loan application end client is obtained, and using the essential information as loan msu message；The loan msu message and default filter information are compared, judge whether loan msu message and default filter information match；When loan msu message and default filter information match, the loan qualification that judgement loan msu message corresponds to client is qualified.This programme when the loan msu message of client is consistent with the comparison result of default filter information, then illustrates that the loan qualification of client is qualified, the qualification with application loan product by the filter information of default each loan product.Avoid and be directed to different loan products, carry out the screening examination ＆ verification of repeatedly loan qualification, save time cost, human cost；It is with strong points and customer information matches with loan product, efficiency of service and loan conversion ratio can be improved, reduces refund risk.
Description
Technical field
The invention mainly relates to loan technical field, specifically, is related to a kind of loan qualification screening technique, device and meter
Calculation machine readable storage medium storing program for executing.
Background technology
At present, on the market loan species is various, and such as car is borrowed, housing loan, although various loans are directed to different types of visitor
Family, but, such as name, identity card, cell-phone number, loan city basically identical to the preliminary screening content of customer lending qualification.Pin
Qualification screening of providing a loan is carried out by client personnel to different loan types, causes screening process to repeat, increases human cost, prolong
Follow-up loan flow is delayed.In addition, sales force is after client's list is obtained, and does not know about customer information, visitor is blindly dialed
Family phone is sold, but in the customer phone dialed, many clients are not because the reason such as age, area or industry is met
The terms of loan, so that sales force is spent a large amount of time in invalid communication, when causing the effective communication with potential customers
Between reduce, service negotiation efficiency is low, loan conversion ratio it is low；When providing a loan simultaneously, customer data and qualification are manually examined by contact staff
Core, so as to be slipped up because of manual examination and verification, the client for not meeting the terms of loan is made loans, and then cause subsequently to exist and refund
Risk.
The content of the invention
The main object of the present invention is to provide a kind of loan qualification screening technique, device and computer-readable recording medium,
Aim to solve the problem that qualification screening repetition of providing a loan in the prior art, conversion ratio are low, the problem of refund risk be present.
To achieve the above object, the present invention provides a kind of loan qualification screening technique, the loan qualification screening technique bag
Include following steps：
The essential information of loan application end client is obtained, and using the essential information as loan msu message；
The loan msu message and default filter information are compared, judge that the loan msu message and default screening are believed
Whether breath matches；
When the loan msu message and default filter information match, judge that loan msu message corresponds to the loan of client
Qualification is qualified.
Preferably, it is described to judge that loan msu message correspond to the qualified step of loan qualification of client and included afterwards：
It is determined that the loan product corresponding to the default filter information that matches of loan msu message, and by the loan
Msu message is issued to marketing system corresponding with the loan product.
Preferably, it is described to judge to include after the step of whether the loan msu message matches with default filter information：
When the loan msu message and default filter information mismatch, judge that loan msu message corresponds to the loan of client
Money qualification is unqualified；
The underproof reason of export loan qualification, and the text attribute of the underproof loan qualification is set as only
Read.
Preferably, the text attribute by the underproof loan qualification is set as including after read-only step：
The client is corresponded to the identity in essential information and is set as not possessing loan qualification.
Preferably, include before described the step of comparing the loan msu message and default filter information：
The attribute of loan product is determined, and multiple filter information items, plurality of filter information are determined according to the attribute
Item includes multiple essential items of information and multiple optional information items；
The reference information of each filter information item is determined, and using the reference information as default filter information.
Preferably, it is described to judge that the step of whether the loan msu message and default filter information match includes：
The parameter value in all essential items of information is obtained, to judge corresponding loan whether is filled in all essential items of information
Msu message；
When the parameter value is not null value, judge to fill in corresponding loan msu message in all essential items of information；
The loan msu message filled in each essential item of information is obtained, and by the loan msu message and correspondingly must
The uniformity of the default filter information in item of information is selected to be compared, to judge whether the loan msu message screens with default
Information matches；
When the parameter value part is null value, judge not fill in corresponding loan examination ＆ verification letter in multiple essential items of information
During breath, the loan qualification that loan msu message corresponds to client is to be tracked to screen.
Preferably, the loan qualification for judging that loan msu message corresponds to client is bag after screening step to be tracked
Include：
It is determined that and loan qualification is shown to screen client place loan region to be tracked and subsequently following up the time.
Preferably, it is described to judge that loan msu message correspond to the qualified step of loan qualification of client and included afterwards：
Follow up the remark information received, and pair information corresponding with loan qualification screening carries out remarks.
In addition, to achieve the above object, the present invention also proposes a kind of loan qualification screening plant, the loan qualification screening
Device includes：Memory, processor, communication bus and the loan qualification screening sequence being stored on the memory；
The communication bus is used to realize the connection communication between processor and memory；
The processor is used to perform the loan qualification screening sequence, to realize following steps：
The essential information of loan application end client is obtained, and using the essential information as loan msu message；
The loan msu message and default filter information are compared, judge that the loan msu message and default screening are believed
Whether breath matches；
When the loan msu message and default filter information match, judge that loan msu message corresponds to the loan of client
Qualification is qualified.
In addition, to achieve the above object, the present invention also provides a kind of computer-readable recording medium, described computer-readable
Storage medium is stored with one or more than one program, one either more than one program can by one or one with
On computing device for：
The essential information of loan application end client is obtained, and using the essential information as loan msu message；
The loan msu message and default filter information are compared, judge that the loan msu message and default screening are believed
Whether breath matches；
When the loan msu message and default filter information match, judge that loan msu message corresponds to the loan of client
Qualification is qualified.
The loan qualification screening technique of the present embodiment, by regarding the essential information of the loan application end client of acquisition as loan
Money msu message, this loan msu message and default filter information are compared, to judge that loan msu message and default screening are believed
Whether breath matches, and upon a match, then the loan qualification that can determine that the client corresponding to this loan msu message is qualified.This programme
Preset by presetting the filter information of each loan product, and using client's essential information as loan msu message with this
Filter information compares, and when msu message of providing a loan is consistent with the comparison result of default filter information, then illustrates this loan examination ＆ verification letter
The corresponding customer information of breath is believed in default filter information as in the loan product of default filter information in the presence of with client
Loan product corresponding to breath, client have the qualification to this loan product loan.So as to judge that the loan qualification of client is qualified, keep away
Exempt to be directed to different loan products, the screening for carrying out same client repeatedly loan qualification is audited, and saves time cost, people
Power cost；It is with strong points and customer information matches with loan product, efficiency of service and loan conversion ratio can be improved, after reduction
Continuous refund risk.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of the loan qualification screening technique first embodiment of the present invention；
Fig. 2 is the schematic flow sheet of the loan qualification screening technique second embodiment of the present invention；
Fig. 3 is the schematic flow sheet of the loan qualification screening technique 3rd embodiment of the present invention；
Fig. 4 is the schematic flow sheet of the loan qualification screening technique fourth embodiment of the present invention；
Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of loan qualification screening technique.
Fig. 1 is refer to, Fig. 1 is the schematic flow sheet of present invention loan qualification screening technique first embodiment.In this implementation
In example, the loan qualification screening technique includes：
Step S10, the essential information of loan application end client is obtained, and using the essential information as loan examination ＆ verification letter
Breath.
At present, in order to adapt to public demand, loan product on the market emerges in an endless stream, as safety Pu Hui easily treat again, car
Main loan, excellent housing loan, residence e loans etc., different loan products is suitable for different customer demands, is such as directed to the loan of a certain given area
Money, or the loan for a certain years old crowd.So as to client apply provide a loan when, it is necessary to client whether have application
The screening examination ＆ verification of the loan qualification of this loan.Client carries out loan application by loan application end, and this loan application end can be hand
The intelligent terminals such as mechanical, electrical brain, the application are made the essential information of this client by obtaining the essential information of loan application end client
For msu message of providing a loan, apply for loan product to determine whether client has according to the essential information as loan msu message
Primary condition.Wherein whether the essential information of client include date of birth, existing city of residence, be the local registered permanent residence, creditable
Record etc..Understandably, the client for applying for loan may be to have the frequent customer for applying for loan or credit card before this, and before this
Such application is required to customer information, so as to client essential information can by judging whether client is that frequent customer is obtained,
When it is frequent customer to judge client, the essential information handled record, obtain client before this is extracted, can also be by requiring this
Frequent customer inputs its essential information at loan application end and obtained；, can be by extracting visitor when it is new client to judge client
The essential information that family inputs at loan application end, and obtain the essential information of client.
Step S20, by it is described loan msu message and default filter information compare, judge it is described loan msu message and in advance
If whether filter information matches.
Further, the present embodiment is previously provided with filter information for different loan products, i.e., default filter information,
After client's essential information as loan msu message is obtained, this loan msu message and default filter information are compared
Right, to judge to provide a loan, whether msu message matches with default filter information.Default filter information is that loan product needs what is met
Back ground Information, such as loan product suitable age, city, are compared by Back ground Information, judge whether client has application
The qualification of loan, the client without application loan qualification is rejected, avoids subsequently taking time to tie up this client again
Shield.
Step S30, when the loan msu message and the matching of default filter information, judge the corresponding visitor of loan msu message
The loan qualification at family is qualified.
Further, when judging that loan msu message matches with default filter information, then explanation loan examination ＆ verification is believed
There is loan product corresponding with client's essential information in breath, in the range of default filter information so as to judge msu message of providing a loan
The loan qualification of corresponding client is qualified, and client has the basic qualification of application loan product.In one embodiment, it is right
In loan product A, B, the customer group that product A is directed to is the Shenzhen area client between 25~35 years old, the client that product B is directed to
Colony is the In Guangzhou Area client between 30~40 years old, is product A so as to which basic filter information can be set：Shenzhen area, 25
Between~35 years old；Product B：Between In Guangzhou Area, 30~40 years old.For tri- clients of M, N and P, its essential information conduct is extracted
Loan msu message, wherein M are the client at age 55, and N is the client 28 years old Shenzhen age, and p is the visitor at the Guangzhou age 38
Family.The default filter information of client M, N, P location and age respectively with product A, B is compared, judges that client N has Shen
Please loan product A loan qualification, client P has application loan product B loan qualification.So as to be audited according to the loan of client
Information and the comparison result of default filter information, determine the loan qualification of client.Remark information can be also received simultaneously, and according to this
The remark information pair of the reception information corresponding with loan qualification screening carries out remarks, as closed when the loan qualification for confirming client
After lattice, by the loan purpose for the clear and definite client that communicates with client, then remarks can be carried out using this loan purpose as remark information.This
Embodiment can be realized according to loan qualification and client is targetedly serviced, while avoid being directed to different loan products, carry out
Screening is compared one by one, causes screening operation to repeat, and increases human cost.
The loan qualification screening technique of the present embodiment includes, and obtains the essential information of loan application end client, and by described in
Essential information is as loan msu message；The loan msu message and default filter information are compared, judge that the loan is examined
Whether nuclear information and default filter information match；When the loan msu message and default filter information match, loan is judged
The loan qualification that msu message corresponds to client is qualified.This programme is incited somebody to action by presetting the filter information of each loan product
Compared as client's essential information of loan msu message and this default filter information, when loan msu message and default screening are believed
When the comparison result of breath is consistent, then illustrate that the customer information corresponding to this loan msu message in default filter information, that is, is made
Loan product corresponding with customer information in the loan product of filter information be present to preset, client has to borrow to this loan product
The qualification of money.So as to judge that the loan qualification of client is qualified, avoid for different loan products, same client is carried out more
The screening examination ＆ verification of secondary loan qualification, saves time cost, human cost；And customer information matches with loan product, specific aim
By force, efficiency of service and loan conversion ratio can be improved, reduces follow-up refund risk.
Further, reference picture 2, based on the first embodiment of present invention loan qualification screening technique, propose that the present invention is borrowed
The second embodiment of money qualification screening technique, in the present embodiment, the loan money for judging loan msu message and corresponding to client
Include after the qualified step of matter：
Step S40, it is determined that the loan product corresponding to the default filter information matched with the loan msu message, and will
The loan msu message is issued to marketing system corresponding with the loan product.
Understandably, the loan product species that usual finance service provides is various, and the present embodiment is directed to this variety of loan
Money product is provided with default filter information, when loan msu message and the matching of default filter information, it is thus necessary to determine that loan is examined
Nuclear information matches with the default filter information of which loan product, is borrowed so that it is determined that loan msu message corresponds to possessed by client
Money qualification.Such as the essential information of client is：Man, 35 years old, now inhabit Shenzhen, loan product A1, A2 and A3, its default screening
Information is respectively：Loan product A1, for women, age between 20~40 years old, inhabit Shenzhen；Loan product A2, for
Male, age between 30~40 years old, inhabit Shenzhen；Loan product A3, the age is between 25~45 years old, unlimited age and residence
Residence；So as to which the loan msu message of client and default filter information be compared, it may be determined that the loan msu message and loan of client
Money product A2, A3 are matched, you can preliminary judgement client has application product A2 and A3 loan qualification.Hereafter, in order to more preferable
Targetedly service is provided, it is necessary to which the msu message of client is issued in marketing system corresponding with loan product to client.
As the loan msu message of client is issued in product A2 and A3 marketing system in above-mentioned example, product A2, A3 sale
Personnel carry out depth service according to the loan msu message of client.This programme is by the way that satisfactory loan msu message is issued
Into marketing system corresponding with loan product, it can be achieved targetedly to service, lift customer experience.
Further, reference picture 3, based on the second embodiment of present invention loan qualification screening technique, propose that the present invention is borrowed
The 3rd embodiment of money qualification screening technique, it is in the present embodiment, described to judge that the loan msu message is believed with default screening
Include after the step of whether breath matches：
Step S50, when the loan msu message and default filter information mismatch, judge that loan msu message is corresponding
The loan qualification of client is unqualified；
Step S60, the underproof reason of export loan qualification, and the text attribute of the underproof loan qualification is set
It is set to read-only.
Understandably, the loan msu message of not all client matches with default filter information, when judgement draws loan
Money msu message and default filter information mismatch, i.e., when no any a loan product is adapted to client, you can judge to borrow
The loan qualification that money msu message corresponds to client is unqualified, and client does not have any loan of qualification application, now needs export loan to provide
The underproof reason of matter shown, so that client is when carrying out phone or network challenge, operator attendance according to display not
Qualified reason explains.The text attribute of the unqualified loan qualification of this client is set as simultaneously read-only, it is impossible to which it is entered
Go and change, to prevent client in the case where being provided a loan without application, its qualification of providing a loan is that can apply providing a loan by malicious modification, from
And avoid after making loans, the bad debt risk subsequently refunded be present.Because of the loan msu message for considering client and default filter information
Mismatch, be adapted to client without any a loan product, so as to be set as forbidding changing by underproof loan qualification
The step of after include：
Step S70, the client is corresponded to the identity in essential information and is set as not possessing loan qualification.
Further, because current client does not apply for the qualification of loan product, if this client is stored in client's list,
Or by the storage of this customer information in systems, in fact it could happen that to this client screen the possibility of comparison again, that is, weigh
Secondary screening is selected.So that when the loan msu message of client and default filter information mismatch, essential information corresponding to client is deleted
Remove, to avoid repeating screening.It may be applied again in view of client simultaneously, so as to by the identity in its essential information
It is set as not possessing loan qualification, identity is the mark for characterizing user identity uniqueness, such as identification card number, works as reception
To the client that does not possess loan qualification when applying again, can be determined that it is by identity, other information is no longer carried out
Examination ＆ verification, accelerate auditing flow.In another embodiment, the loan product that may subsequently release can be adapted to this client, i.e. client can
Can possess the qualification of the follow-up loan product newly released of application, so as to which client is set as into client to be developed, it is basic to retain its
Information, when subsequently releasing new loan product, the application qualification of its loan product without before is determined by identity,
Only judge whether it has the qualification for applying for new loan product, accelerate to prevent the loss of client while examination ＆ verification.
Further, reference picture 4, based on the 3rd embodiment of present invention loan qualification screening technique, propose that the present invention is borrowed
The fourth embodiment of money qualification screening technique, it is in the present embodiment, described by the loan msu message and default filter information
Include before the step of comparison：
Step S80, the attribute of loan product is determined, and multiple filter information items are determined according to the attribute, it is plurality of
Filter information item includes multiple essential items of information and multiple optional information items；
Step S90, the reference information of each filter information item is determined, and using the reference information as default screening letter
Breath.
Further, in order to by the loan msu message of client and default filter information contrast judgement, it is necessary to preset
Default filter information as contrast judgement benchmark.Specifically, it is determined that the attribute of each loan product, and produced according to single loan
The attribute of product sets multiple filter information items of the loan product, and the wherein attribute of loan product is the applicable people of this loan product
Whether group's attribute, the applicable crowd of such as loan product have sex limitation, age limit, territorial restrictions.When loan product is released
When, the attribute of this loan product can be input in Product Management System by product promotion personnel or developer, pass through product pipe
Reason system is uploaded onto the server.There is the total collection of all filter information items for various loan products in server, receiving
To after the attribute of loan product, determine to whether there is this product attribute in total collection.When this product attribute be present, it is determined that with
Filter information item corresponding to this product attribute, filter information item include essential item of information and optional information item, in essential item of information
Required fill message, can fill in optional information item can not also fill message.Such as when loan product attribute be suitable for
The women of Shenzhen area, then it regard sex and area as essential item of information, and other ages, the optional letter of the wedding conduct such as not no
Cease item.After the filter information item of essential item of information and optional information item is determined, it is thus necessary to determine that each filter information item
Reference information, this reference information are default filter information, to be compared with the loan msu message of client.Wherein reference information can
Determined according to the attribute of loan product, such as when the attribute of loan product is the then essential letter suitable for the crowd between 25~35 years old
Breath item is the age, and corresponding reference information is 25~35 years old.After customer information is got, by the customer information and ginseng of acquisition
Information comparison is examined, will provide a loan msu message and the comparison of default filter information, to determine whether client has the money of application loan
Matter.
Further, in another embodiment of present invention loan qualification screening technique, the step S20 judges the loan
The step of whether money msu message and default filter information match includes：
Step S21, the parameter value in all essential items of information is obtained, to judge whether filled in all essential items of information
Corresponding loan msu message；
Step S22, when the parameter value is not null value, judge that corresponding loan is filled in all essential items of information to be examined
Nuclear information；
Step S23, obtains the loan msu message filled in each essential item of information, and by the loan msu message
Be compared with the uniformity of the default filter information in corresponding essential item of information, with judge the loan msu message whether and
Default filter information matching；
Step S24, when the parameter value part is null value, judge not fill in corresponding loan in multiple essential items of information
During money msu message, the loan qualification that loan msu message corresponds to client is to be tracked to screen.
Further, it is determined that after for the filter information item of comparison and corresponding reference information, when getting visitor
When the essential information at family is matched, first judge whether the essential item of information in filter information item is filled with corresponding loan and examines
Nuclear information.Parameter value in essential item of information is read by procedure script, and whether the parameter value for judging to read is null value, works as reading
When the parameter value taken is not null value, then illustrate to be filled with loan msu message in essential item of information.When being filled out in essential item of information
During with corresponding loan msu message, then further obtain this loan msu message, and by the loan msu message of acquisition and
Reference information (i.e. default filter information) compares, and to judge to provide a loan, whether msu message matches with default filter information.It is such as essential
One of item of information is the age, and its default filter information is between 20~40 years old, and when obtaining its corresponding loan examination ＆ verification filled in
Information is 50, this loan msu message 50 and default filter information is compared between 20~40 years old, because 50 20~40
Within the scope of, then judge that loan msu message and default filter information mismatch.Pass through this loan msu message and default sieve
The matching of information is selected, determines whether client has the qualification of application loan.And the ginseng by procedure script to essential item of information
Numerical value is read, and it is null value to determine its parameter value, that is, illustrates not filling in loan msu message in this essential item of information, then explanation must
The item for existing in item of information and not filling in loan msu message is selected, i.e., is not filled with corresponding loan in essential item of information and examines
Nuclear information.A part of essential item of information is filled with loan msu message, and another part is not filled in then, it is impossible to whether judges client
With loan qualification, so as to the msu message that judges to provide a loan, correspond to the loan qualification of client to be tracked for screening, in case subsequently entering one
Step obtains the information in the essential item of information of client, is treated so as to which the msu message that judges to provide a loan correspond to the loan qualification of client to screen
Include after the step of tracking：
Step S25, it is determined that and showing loan qualification to screen client place loan region to be tracked and follow-up follow-up
Time.
Understandably, can not when being filled with corresponding loan msu message in not every essential item of information
Judge that client corresponding to loan msu message without loan qualification, can only illustrate that the essential information of acquisition is not complete, cause to provide a loan
Msu message is not comprehensive, and it is possible to as the client with loan qualification, so that the loan qualification of such client be treated for screening
Tracking by follow-up further tracking, it is necessary to determine whether loan qualification is qualified, and follow-up further tracking then needs really
Fixed this screens the loan region where client to be tracked and subsequently followed up the time, this time of subsequently following up be next time with this
The contact time of client, and remarks are carried out to this loan region and contact time and shown, to carry out query monitor.According to this loan
Region can determine that the sales force in this region, and sales force can then get in touch in contact time and client, to obtain client's
Necessary essential information, judge whether this client has loan qualification according to this necessary essential information, so that the acquisition of client is more
To be accurate, customer churn is prevented.
Reference picture 5, Fig. 5 are the device structure schematic diagrams for the hardware running environment that present invention method is related to.
Loan qualification screening plant of the embodiment of the present invention can be PC or smart mobile phone, tablet personal computer, e-book
Reader, MP3 (Moving Picture Experts Group Audio Layer III, dynamic image expert's compression standard
Audio aspect 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image expert
Compression standard audio aspect 3) terminal device such as player, pocket computer.
As shown in figure 5, the loan qualification screening plant can include：Processor 1001, such as CPU, memory 1005, lead to
Believe bus 1002.Wherein, communication bus 1002 is used to realize the connection communication between processor 1001 and memory 1005.Storage
Device 1005 can be high-speed RAM memory or stable memory (non-volatile memory), such as disk
Memory.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Alternatively, the loan qualification screening plant can also include user interface, network interface, camera, RF (Radio
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface can include display screen
(Display), input block such as keyboard (Keyboard), optional user interface can also include wireline interface, the nothing of standard
Line interface.Network interface can optionally include wireline interface, the wave point (such as WI-FI interfaces) of standard.
It will be understood by those skilled in the art that the loan qualification screening plant structure shown in Fig. 5 is not formed to loan
The restriction of qualification screening plant, it can include than illustrating more or less parts, either combine some parts or different
Part is arranged.
As shown in figure 5, it can lead to as in a kind of memory 1005 of computer-readable storage medium including operating system, network
Believe module and loan qualification screening sequence.Operating system is management and control loan qualification screening plant hardware and software resource
Program, support loan qualification screening sequence and other softwares and/or program operation.Network communication module is deposited for realization
Communication between each component in the inside of reservoir 1005, and with being communicated in loan qualification screening plant between other hardware and softwares.
In the loan qualification screening plant shown in Fig. 5, processor 1001 is used to perform the loan stored in memory 1005
Money qualification screening sequence, realizes following steps：
The essential information of loan application end client is obtained, and using the essential information as loan msu message；
The loan msu message and default filter information are compared, judge that the loan msu message and default screening are believed
Whether breath matches；
When the loan msu message and default filter information match, judge that loan msu message corresponds to the loan of client
Qualification is qualified.
Further, after the qualified step of loan qualification for judging loan msu message and corresponding to client, processor
1001 are used to perform the loan qualification screening sequence stored in memory 1005, realize following steps：
It is determined that the loan product corresponding to the default filter information that matches of loan msu message, and by the loan
Msu message is issued to marketing system corresponding with the loan product.
Further, it is described judge described loan msu message the step of whether being matched with default filter information after, locate
Reason device 1001 is used to perform the loan qualification screening sequence stored in memory 1005, realizes following steps：
When the loan msu message and default filter information mismatch, judge that loan msu message corresponds to the loan of client
Money qualification is unqualified；
The underproof reason of export loan qualification, and the text attribute of the underproof loan qualification is set as only
Read.
Further, after the text attribute by the underproof loan qualification is set as read-only step, place
Reason device 1001 is used to perform the loan qualification screening sequence stored in memory 1005, realizes following steps：
The client is corresponded to the identity in essential information and is set as not possessing loan qualification.
Further, before described the step of comparing the loan msu message and default filter information, processor
1001 are used to perform the loan qualification screening sequence stored in memory 1005, realize following steps：
The attribute of loan product is determined, and multiple filter information items, plurality of filter information are determined according to the attribute
Item includes multiple essential items of information and multiple optional information items；
The reference information of each filter information item is determined, and using the reference information as default filter information.
Further, it is described to judge that the step of whether the loan msu message and default filter information match includes：
The parameter value in all essential items of information is obtained, to judge corresponding loan whether is filled in all essential items of information
Msu message；
When the parameter value is not null value, judge to fill in corresponding loan msu message in all essential items of information；
The loan msu message filled in each essential item of information is obtained, and by the loan msu message and correspondingly must
The uniformity of the default filter information in item of information is selected to be compared, to judge whether the loan msu message screens with default
Information matches；
When the parameter value part is null value, judge not fill in corresponding loan examination ＆ verification letter in multiple essential items of information
During breath, the loan qualification that loan msu message corresponds to client is to be tracked to screen.
Further, it is described judge loan msu message correspond to the loan qualification of client for screening step to be tracked it
Afterwards, processor 1001 is used to perform the loan qualification screening sequence stored in memory 1005, realizes following steps：
It is determined that and loan qualification is shown to screen client place loan region to be tracked and subsequently following up the time.
Further, after the qualified step of loan qualification for judging loan msu message and corresponding to client, processor
1001 are used to perform the loan qualification screening sequence stored in memory 1005, realize following steps：
According to the remark information of reception, pair information corresponding with loan qualification screening carries out remarks.
Present invention loan qualification screening plant embodiment and above-mentioned each embodiment of loan qualification screening technique are basic
It is identical, it will not be repeated here.
The invention provides a kind of computer-readable recording medium, the computer-readable recording medium storage have one or
More than one program of person, one either more than one program can also by one or more than one computing device with
In：
The essential information of loan application end client is obtained, and using the essential information as loan msu message；
The loan msu message and default filter information are compared, judge that the loan msu message and default screening are believed
Whether breath matches；
When the loan msu message and default filter information match, judge that loan msu message corresponds to the loan of client
Qualification is qualified.
Further, after the qualified step of loan qualification for judging loan msu message and corresponding to client, described one
Individual either more than one program can also by one or more than one computing device for：
It is determined that the loan product corresponding to the default filter information that matches of loan msu message, and by the loan
Msu message is issued to marketing system corresponding with the loan product.
Further, it is described judge described loan msu message the step of whether being matched with default filter information after, institute
State one either more than one program can also by one or more than one computing device for：
When the loan msu message and default filter information mismatch, judge that loan msu message corresponds to the loan of client
Money qualification is unqualified；
The underproof reason of export loan qualification, and the text attribute of the underproof loan qualification is set as only
Read.
Further, after the text attribute by the underproof loan qualification is set as read-only step, institute
State one either more than one program can also by one or more than one computing device for：
The client is corresponded to the identity in essential information and is set as not possessing loan qualification.
Further, it is one before described the step of comparing the loan msu message and default filter information
Either more than one program can also by one or more than one computing device for：
The attribute of loan product is determined, and multiple filter information items, plurality of filter information are determined according to the attribute
Item includes multiple essential items of information and multiple optional information items；
The reference information of each filter information item is determined, and using the reference information as default filter information.
Further, it is described to judge that the step of whether the loan msu message and default filter information match includes：
The parameter value in all essential items of information is obtained, to judge corresponding loan whether is filled in all essential items of information
Msu message；
When the parameter value is not null value, judge to fill in corresponding loan msu message in all essential items of information；
The loan msu message filled in each essential item of information is obtained, and by the loan msu message and correspondingly must
The uniformity of the default filter information in item of information is selected to be compared, to judge whether the loan msu message screens with default
Information matches；
When the parameter value part is null value, judge not fill in corresponding loan examination ＆ verification letter in multiple essential items of information
During breath, the loan qualification that loan msu message corresponds to client is to be tracked further for screening, described to judge loan msu message
After the loan qualification of corresponding client is screening step to be tracked, one or more than one program can also by one or
The more than one computing device of person for：
It is determined that and loan qualification is shown to screen client place loan region to be tracked and subsequently following up the time.
Further, after the qualified step of loan qualification for judging loan msu message and corresponding to client, described one
Individual either more than one program can also by one or more than one computing device for：
According to the remark information of reception, pair information corresponding with loan qualification screening carries out remarks.
Computer-readable recording medium embodiment of the present invention and each embodiment base of above-mentioned loan qualification screening technique
This is identical, will not be repeated here.
It should also be noted that, herein, term " comprising ", "comprising" or its any other variant are intended to non-
It is exclusive to include, so that process, method, article or device including a series of elements not only include those key elements,
But also the other element including being not expressly set out, or also include solid by this process, method, article or device
Some key elements.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including
Other identical element also be present in the process of the key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone,
Computer, server, or network equipment etc.) perform method described in each embodiment of the present invention.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the scope of the invention, it is every at this
Under the design of invention, the equivalent structure transformation made using description of the invention and accompanying drawing content, or directly/it is used in indirectly
He is included in the scope of patent protection of the present invention related technical field.
Claims (10)
1. one kind loan qualification screening technique, it is characterised in that the loan qualification screening technique comprises the following steps：
The essential information of loan application end client is obtained, and using the essential information as loan msu message；
The loan msu message and default filter information are compared, judge that the loan msu message and default filter information are
No matching；
When the loan msu message and default filter information match, judge that loan msu message corresponds to the loan qualification of client
It is qualified.
2. loan qualification screening technique as claimed in claim 1, it is characterised in that described to judge the corresponding visitor of loan msu message
The step that the loan qualification at family is qualified includes afterwards：
It is determined that the loan product corresponding to the default filter information matched with the loan msu message, and the loan is audited
Information is issued to marketing system corresponding with the loan product.
3. as claimed in claim 1 loan qualification screening technique, it is characterised in that it is described judge it is described loan msu message with
Include after the step of whether default filter information matches：
When the loan msu message and default filter information mismatch, judge that loan msu message corresponds to the loan money of client
Matter is unqualified；
The underproof reason of export loan qualification, and by it is described it is underproof loan qualification text attribute be set as it is read-only.
4. loan qualification screening technique as claimed in claim 3, it is characterised in that described by the underproof loan qualification
Text attribute be set as including after read-only step：
The client is corresponded to the identity in essential information and is set as not possessing loan qualification.
5. loan qualification screening technique as claimed in claim 1, it is characterised in that described by the loan msu message and pre-
If include before the step of filter information compares：
The attribute of loan product is determined, and multiple filter information items, plurality of filter information item bag are determined according to the attribute
Include multiple essential items of information and multiple optional information items；
The reference information of each filter information item is determined, and using the reference information as default filter information.
6. as claimed in claim 5 loan qualification screening technique, it is characterised in that it is described judge it is described loan msu message and
The step of whether default filter information matches includes：
The parameter value in all essential items of information is obtained, to judge corresponding loan examination ＆ verification whether is filled in all essential items of information
Information；
When the parameter value is not null value, judge to fill in corresponding loan msu message in all essential items of information；
The loan msu message filled in each essential item of information is obtained, and by the loan msu message and corresponds to essential letter
The uniformity of default filter information in breath item is compared, with judge the loan msu message whether with default filter information
Matching；
When the parameter value part is null value, judge not fill in corresponding loan msu message in multiple essential items of information
When, the loan qualification that loan msu message corresponds to client is to be tracked to screen.
7. loan qualification screening technique as claimed in claim 6, it is characterised in that described to judge the corresponding visitor of loan msu message
The loan qualification at family includes afterwards to screen step to be tracked：
It is determined that and loan qualification is shown to screen client place loan region to be tracked and subsequently following up the time.
8. the loan qualification screening technique as described in claim any one of 1-7, it is characterised in that described to judge loan examination ＆ verification letter
The step that the loan qualification of the corresponding client of breath is qualified includes afterwards：
According to the remark information of reception, pair information corresponding with loan qualification screening carries out remarks.
9. one kind loan qualification screening plant, it is characterised in that the loan qualification screening plant includes：Memory, processor,
Communication bus and the loan qualification screening sequence being stored on the memory；
The communication bus is used to realize the connection communication between processor and memory；
The processor is used to perform the loan qualification screening sequence, to realize as any one of claim 1-8
The step of loan qualification screening technique.
10. a kind of computer-readable recording medium, it is characterised in that the computer class is read to be stored with loan money in storage medium
Matter screening sequence, the loan qualification screening sequence are realized as any one of claim 1-8 when being executed by processor
The step of loan qualification screening technique.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710927707.0A CN107730377A (en) | 2017-09-30 | 2017-09-30 | Qualification of providing a loan screening technique, device and computer-readable recording medium |
| PCT/CN2017/107423 WO2019061613A1 (en) | 2017-09-30 | 2017-10-24 | Loan qualification screening method, device and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710927707.0A CN107730377A (en) | 2017-09-30 | 2017-09-30 | Qualification of providing a loan screening technique, device and computer-readable recording medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107730377A true CN107730377A (en) | 2018-02-23 |
Family
ID=61209351
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710927707.0A Pending CN107730377A (en) | 2017-09-30 | 2017-09-30 | Qualification of providing a loan screening technique, device and computer-readable recording medium |
Country Status (2)
| Country | Link |
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| WO (1) | WO2019061613A1 (en) |
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| CN109035002A (en) * | 2018-06-28 | 2018-12-18 | 考拉征信服务有限公司 | A kind of matching process of data object, device, medium and electronic equipment |
| CN109087208A (en) * | 2018-08-14 | 2018-12-25 | 深圳壹账通智能科技有限公司 | Data processing method, device, computer equipment and storage medium before borrowing |
| CN109214914A (en) * | 2018-08-24 | 2019-01-15 | 厦门集微科技有限公司 | A kind of loan information checking method and device based on communication open platform |
| CN109389490A (en) * | 2018-09-26 | 2019-02-26 | 深圳壹账通智能科技有限公司 | Loan product matching process, device, computer equipment and storage medium |
| CN109389491A (en) * | 2018-09-27 | 2019-02-26 | 深圳壹账通智能科技有限公司 | Loan product screening technique, device, equipment and storage medium based on big data |
| CN109670936A (en) * | 2018-09-26 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Loan examination & approval processing method, platform, equipment and computer readable storage medium |
| CN109711979A (en) * | 2018-12-21 | 2019-05-03 | 上海瀚银信息技术有限公司 | A kind of user information auditing system and checking method |
| CN109784641A (en) * | 2018-12-13 | 2019-05-21 | 深圳壹账通智能科技有限公司 | Data-pushing device, equipment, method and readable storage medium storing program for executing |
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| CN110070433A (en) * | 2019-03-22 | 2019-07-30 | 平安普惠企业管理有限公司 | Based on data processing loan transaction affiliation method, device and computer equipment |
| WO2019237565A1 (en) * | 2018-06-12 | 2019-12-19 | 平安科技（深圳）有限公司 | Loan service processing method and apparatus, computer device and readable storage medium |
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| WO2019061613A1 (en) | 2019-04-04 |
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