CN114418731A - Intelligent credit system and method based on invoice data - Google Patents

Abstract

The invention discloses an intelligent credit system and a method based on invoice data, wherein the intelligent credit system based on the invoice data comprises the following steps: the system comprises a tax control equipment interface, a user login module, an invoice data acquisition module, a data processing module, a qualification evaluation module and an intelligent credit module; the intelligent credit system firstly uses tax control equipment to access through a tax control equipment interface, then receives login information input by a user through a user login module, and verifies the login information, so that the safety of the intelligent credit system is effectively improved, secondly, an invoice data acquisition module acquires and stores invoice data corresponding to the user from a value-added tax invoice comprehensive service platform, the intelligent credit module evaluates the loan limit of the user and recommends credit products meeting the loan limit to the user, namely, the loan limit of the user can be evaluated based on the invoice data, and the process is very convenient and efficient, so that the user loan efficiency is effectively improved technically.

Description

Intelligent credit system and method based on invoice data

Technical Field

The invention belongs to the credit field, and particularly relates to an intelligent credit system and method based on invoice data.

Background

With the development of credit business, more and more customers transact credit business, so how to safely and efficiently transact credit business for customers with demand has led to the exploration of numerous financial institutions.

In the traditional credit business transaction mode, the first stage is an acceptance stage, a client applies credit to a financial institution, in the stage, an acceptance staff performs qualification examination on the client, requests the client to submit relevant materials and performs preliminary examination on data submitted by the client, the second stage is an investigation stage, after the client applies for the credit, the client enters an investigation evaluation stage after the client applies for the qualification of the preliminary examination, and if the client applies for the qualification of the credit, the client enters comprehensive and deep investigation evaluation to form an investigation evaluation report on the basis of the investigation evaluation, the investigation report needs to be examined, signed and confirmed by the auditing staff, and the third stage is an examination and approval stage, in the examination and approval stage, the declaration materials need to be examined in compliance and the credit business applied by the client is examined according to the compliance declaration materials. As can be seen from the above, in the acceptance stage and the investigation stage of the conventional credit business transaction manner, the user needs to submit the relevant data and need to investigate the qualification of the user, which takes a long time and cannot provide loan for the client with demand in a short time, so that the demand of people on loan business in the digital era cannot be met.

Therefore, it is desirable to provide an intelligent credit system that can safely and efficiently provide credit services to users.

Disclosure of Invention

The invention aims to provide an intelligent credit system which can safely and efficiently provide credit services for users.

In order to achieve the above object, the present invention provides an intelligent credit system based on invoice data, comprising:

the tax control equipment interface is used for accessing tax control equipment;

the user login module is used for receiving login information input by a user and verifying the login information after accessing the tax control equipment;

the invoice data acquisition module is used for logging in a value-added tax invoice comprehensive service platform after the login information is verified, and acquiring and storing invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;

the data processing module is used for carrying out duplication removal and cleaning on the invoice data to obtain target specification invoice data;

the qualification evaluation module is used for judging whether the user has loan qualification or not based on the target specification invoice data, and pushing the target specification invoice data if the user has loan qualification;

and the intelligent credit module is used for evaluating the loanable limit of the user based on the received target specification invoice data, recommending at least one credit product meeting the loanable limit to the user, and submitting the credit product selected by the user to a third-party financial service platform for auditing.

Optionally, the system further comprises a user authorization module, wherein the user authorization module is configured to:

presenting a user authorization protocol to the user;

after the user authorization protocol is signed by a certificate, storing the signed user authorization protocol to a cloud server; and

checking whether invoice data are stored or not, if so, synchronizing the invoice data to the cloud server, and if not, indicating the invoice data acquisition module to acquire and store the invoice data corresponding to the user from the value-added tax invoice comprehensive service platform.

Optionally, the third-party financial services platform is configured to:

acquiring the invoice data of the user from the value-added tax invoice integrated service platform;

calculating the loan amount to be paid of the user by trial based on the obtained invoice data;

based on the credit limit to be borrowed of the user, auditing the credit product by comparing the credit limit to be borrowed with the received credit product limit;

and submitting the credit product after the verification is passed to a bank.

Optionally, the method further comprises:

and the credit inquiry module is used for acquiring the auditing result of the credit product selected by the user from the third-party financial service platform according to the login information of the user.

Optionally, the method further comprises:

the intelligent sequencing module is used for sequencing all the credit products meeting the loan limit through a preset algorithm according to the related information of each credit product, wherein,

the related information comprises the corresponding highest limit, daily interest rate and repayment duration, click rate, application amount and success amount of each credit product and the matching degree between the loanable limit of the user and the highest limit of the credit product.

An intelligent credit method based on invoice data, comprising:

receiving login information input by a user, and verifying the login information after the user accesses tax control equipment through a tax control equipment interface;

logging in a value-added tax invoice comprehensive service platform after the login information is verified, and acquiring and storing invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;

carrying out duplicate removal and cleaning on the invoice data to obtain target specification invoice data;

judging whether the user has loan qualification or not based on the target specification invoice data, and if the user has loan qualification, pushing the target specification invoice data;

and evaluating the loanable limit of the user based on the received target specification invoice data, recommending at least one credit product meeting the loanable limit to the user, and submitting the credit product selected by the user to a third-party financial service platform for auditing.

Optionally, the method further comprises:

after the login information passes the verification, displaying a user authorization protocol to the user;

after the user authorization protocol is signed by a certificate, storing the signed user authorization protocol to a cloud server; and

checking whether invoice data are stored or not, if so, synchronizing the invoice data to the cloud server, and if not, indicating the invoice data acquisition module to acquire and store the invoice data corresponding to the user from the value-added tax invoice comprehensive service platform.

Optionally, the third-party financial services platform is configured to:

acquiring the invoice data of the user from the value-added tax invoice integrated service platform;

calculating the loan amount to be paid of the user by trial based on the obtained invoice data;

based on the credit limit to be borrowed of the user, auditing the credit product by comparing the credit limit to be borrowed with the received credit product limit;

and submitting the credit product after the verification is passed to a bank.

Optionally, the method further comprises:

sequencing all credit products meeting the loan limit through a preset algorithm according to the related information of each credit product, wherein,

the related information comprises the corresponding highest limit, daily interest rate and repayment duration, click rate, application amount and success amount of each credit product and the matching degree between the loanable limit of the user and the highest limit of the credit product.

Optionally, the method further comprises:

and acquiring the auditing result of the credit product selected by the user from the third-party financial service platform according to the login information of the user.

The invention has the beneficial effects that:

the intelligent credit system firstly uses tax control equipment to access through a tax control equipment interface, then receives login information input by a user through a user login module, and verifies the login information, so that the safety of the intelligent credit system is effectively improved; the invoice data acquisition module acquires and stores invoice data corresponding to a user from the value-added tax invoice comprehensive service platform, and the data processing module performs duplication removal and cleaning on the invoice data, so that the user can quickly and efficiently acquire the invoice data through an intelligent credit system, the qualification evaluation module can evaluate whether the user has loan qualification according to the invoice data after duplication removal and cleaning, and pushes the invoice data after duplication removal and cleaning, namely target specification invoice data, to the intelligent credit module, and finally the intelligent credit module evaluates the loanable quota of the user, recommends at least one credit product meeting the loanable quota to the user, submits the credit product selected by the user to a third-party financial service platform for auditing, and the loanable quota of the user can be evaluated based on the invoice data through the above description, and the process is very convenient and efficient, therefore, the loan efficiency of the user is technically and effectively improved.

Additional features and advantages of the invention will be set forth in the detailed description which follows.

Drawings

The above and other objects, features and advantages of the present invention will become more apparent by describing in more detail exemplary embodiments thereof with reference to the attached drawings, in which like reference numerals generally represent like parts throughout.

FIG. 1 shows a block diagram of an intelligent credit system based on invoice data, according to one embodiment of the invention.

FIG. 2 shows a flow diagram of an intelligent credit method based on invoice data, according to one embodiment of the invention.

Detailed Description

Preferred embodiments of the present invention will be described in more detail below. While the following describes preferred embodiments of the present invention, it should be understood that the present invention may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art.

An intelligent credit system based on invoice data according to the present invention comprises:

the tax control equipment interface is used for accessing tax control equipment;

the user login module is used for receiving login information input by a user and verifying the login information after the tax control equipment is accessed;

the invoice data acquisition module is used for logging in the value-added tax invoice comprehensive service platform after the login information is verified, and acquiring and storing invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;

the data processing module is used for carrying out duplication removal and cleaning on the invoice data to obtain target specification invoice data;

the qualification evaluation module is used for judging whether the user has loan qualification or not based on the target specification invoice data, and if the user has loan qualification, pushing the target specification invoice data;

and the intelligent credit module is used for evaluating the loanable limit of the user based on the received target specification invoice data, recommending at least one credit product meeting the loanable limit to the user, and submitting the credit product selected by the user to a third-party financial service platform for auditing.

Specifically, the intelligent credit system of the invention firstly uses tax control equipment to access through a tax control equipment interface, then receives login information input by a user through a user login module, and verifies the login information, which effectively improves the safety of the intelligent credit system; the invoice data acquisition module acquires and stores invoice data corresponding to a user from the value-added tax invoice comprehensive service platform, and the data processing module performs duplication removal and cleaning on the invoice data, so that the user can quickly and efficiently acquire the invoice data through an intelligent credit system, the qualification evaluation module can evaluate whether the user has loan qualification according to the invoice data after duplication removal and cleaning, and pushes the invoice data after duplication removal and cleaning, namely target specification invoice data, to the intelligent credit module, and finally the intelligent credit module evaluates the loanable quota of the user, recommends at least one credit product meeting the loanable quota to the user, submits the credit product selected by the user to a third-party financial service platform for auditing, and the loanable quota of the user can be evaluated based on the invoice data through the above description, and the process is very convenient and efficient, therefore, the loan efficiency of the user is technically and effectively improved.

Furthermore, after receiving login information input by the user, the user login module verifies the login information by calling a login function in the integrated service dll.

Further, acquiring invoice data of the purchase and sale item of the user in the last year from a bill pool of the value-added tax invoice integrated service platform, wherein the acquired full bill information of the invoice comprises invoice data of fields such as a seller name, a tax number, an address, a telephone, commodity details, a tax amount and an invoice state.

In one example, the intelligent credit system further comprises a user authorization module to:

presenting a user authorization protocol to a user;

after signing the user authorization protocol by using the certificate, storing the signed user authorization protocol to a cloud server; and

and checking whether invoice data are stored or not, if so, synchronizing the invoice data to a cloud server, and if not, indicating an invoice data acquisition module to acquire and store invoice data corresponding to the user from a value-added tax invoice comprehensive service platform.

In one example, the third party financial services platform is to:

acquiring invoice data of a user from a value-added tax invoice comprehensive service platform;

based on the obtained invoice data, calculating the credit limit of the user by trial;

checking the credit product through the limit comparison between the credit limit to be borrowed and the received credit product based on the credit limit to be borrowed of the user;

and submitting the credit product which passes the verification to a bank.

Specifically, the acquiring of the invoice data of the user from the value-added tax invoice integrated service platform includes:

acquiring relevant information of a user on a business and a judicial law;

checking the loan qualification of the user based on the relevant information of the user's industry and government;

acquiring invoice data of the user from the value-added tax invoice comprehensive service platform after the loan qualification audit is passed;

the information related to the industry, the commerce and the judicial expertise of the user comprises enterprise registration information, enterprise states, tax owed records, administrative penalty records, and related records of abnormal operation, serious illegal credit loss and judicial assistance.

After the enterprise user logs in a third-party financial service platform, the platform acquires the authorization of the enterprise user, the identity of the enterprise user is verified, the authorization protocol is verified through a tax control equipment certificate password, the certificate is used for signing the authorization protocol, the third-party financial service platform background stores the authorization protocol of the enterprise carrying the signature, the authorization information of the enterprise is completely updated to be authorized, after the authorization protocol of the enterprise user is acquired, the enterprise user manually clicks and synchronizes invoice data of the enterprise user, namely the third-party financial service platform simulates that the enterprise user logs in a value-added tax invoice comprehensive service platform, the enterprise user is required to input data such as the enterprise certificate password and the like, the invoice data of the enterprise in the last year including enterprise entry invoice data and sales invoice data are downloaded in the third-party financial service platform background, and when the condition that the enterprise user has a defect is detected, the platform further simulates the login of the comprehensive service platform to synchronize the invoice data, and storing the invoice data in a third-party financial service platform background for subsequent measurement and calculation.

In one example, the intelligent credit system further comprises:

and the credit inquiry module is used for acquiring the auditing result of the credit product selected by the user from the third-party financial service platform according to the login information of the user.

In one example, the intelligent credit system further comprises:

the intelligent sequencing module is used for sequencing all the credit products meeting the loan limit through a preset algorithm according to the relevant information of each credit product, wherein,

the related information includes the corresponding highest line of each credit product, daily interest rate and repayment deadline, click rate, application amount and success amount, and the matching degree between the user's loanable line and the highest line of the credit product.

Specifically, the highest amount, the daily interest rate and the repayment deadline are the product information corresponding to each credit product, and the click rate, the application amount and the success amount are the product behaviors of the user corresponding to each credit product, so the intelligent sorting module is used for sorting all credit products meeting the loanable amount through a preset algorithm according to the product information corresponding to each credit product, the product behaviors of the user and the matching degree, wherein the product information is 20 points, the product behaviors of the user are 40 points, the matching degree is 40 points, and the preset algorithm specifically comprises the following steps:

and calculating the scores of all credit products meeting the loan limit through the product information. The highest amount is 10 points of weight, the daily interest rate is 5 points of weight, and the repayment period is 5 points of weight. The highest amount: ranking according to the highest limit from high to low, taking the ranking ratio as a score weight coefficient, wherein the total number is 10 if the number is 2, the ranking ratio (1-ranking/product number) is 10, and the score is 10 according to the ranking calculation; the daily interest rate: according to the daily interest rate from low to high, taking the ranking ratio as a score weight coefficient, wherein the total number is 10, the ranking ratio is (1-ranking/product number) × 5, and 5 scores are calculated according to the ranking; payment deadline: ranking according to repayment deadline from high to low, taking ranking ratio as a score weight coefficient, wherein the ranking ratio is as follows, for example, the 2 nd name is 10 in total: (1-rank/number of products) × 5, score 5 according to rank calculation; the product information module totals 20 points.

The scores of all credit products meeting the loanable limit are calculated through the user's action on the product. Click volume-weight 5 points, application volume-weight 20 points, success quantity-weight 15 points. Click rate: according to the ranking of the click quantity from high to low, the ranking ratio is used as a score weight coefficient, for example, the 2 nd name, the total number is 10, and the ranking ratio is: (1-rank/number of products) × 5, score 5 according to rank calculation; application amount: and (3) according to the application amount from high to low, taking the ranking ratio as a score weight coefficient, wherein the ranking ratio is as follows, for example, the 2 nd name is 10 in total: (1-rank/number of products) × 20, score 20 based on rank calculation; success number: ranking according to the success number from high to low, taking the ranking ratio as a score weight coefficient, such as 2 nd name, the total number is 10, and the ranking ratio is: (1-rank/number of products) × 15, score 15 based on rank calculation.

And calculating the scores of all the credit products meeting the loan limit through the matching degree. And (4) obtaining points by matching the principle that the highest product quota is more than or equal to the loan trial calculation quota, wherein the points are 20 points for the basis and 20 points for the points.

And accumulating the data items to obtain scores. And calculating products with the scores ranked in the first three by the algorithm for recommendation.

An intelligent credit method based on invoice data, comprising:

receiving login information input by a user, and verifying the login information after the user accesses the tax control equipment through the tax control equipment interface;

logging in a value-added tax invoice comprehensive service platform after the login information is verified, and acquiring and storing invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;

the invoice data is subjected to duplication removal and cleaning to obtain target specification invoice data;

judging whether the user has loan qualification or not based on the target specification invoice data, and if the user has loan qualification, pushing the target specification invoice data;

and evaluating the loanable limit of the user based on the received target specification invoice data, recommending at least one credit product meeting the loanable limit to the user, and submitting the credit product selected by the user to a third-party financial service platform for auditing.

In one example, the intelligent credit method further comprises:

after the login information passes the verification, displaying a user authorization protocol to the user;

after signing the user authorization protocol by using the certificate, storing the signed user authorization protocol to a cloud server; and

and checking whether invoice data are stored or not, if so, synchronizing the invoice data to a cloud server, and if not, indicating an invoice data acquisition module to acquire and store invoice data corresponding to the user from a value-added tax invoice comprehensive service platform.

In one example, the third party financial services platform is to:

acquiring invoice data of a user from a value-added tax invoice comprehensive service platform;

based on the obtained invoice data, calculating the credit limit of the user by trial;

checking the credit product through the limit comparison between the credit limit to be borrowed and the received credit product based on the credit limit to be borrowed of the user;

and submitting the credit product which passes the verification to a bank.

In one example, the intelligent credit method further comprises:

and sequencing all the credit products meeting the loan limit through a preset algorithm according to the related information of each credit product, wherein,

the related information includes the corresponding highest line of each credit product, daily interest rate and repayment deadline, click rate, application amount and success amount, and the matching degree between the user's loanable line and the highest line of the credit product.

In one example, the intelligent credit method further comprises:

and acquiring the auditing result of the credit product selected by the user from the third-party financial service platform according to the login information of the user.

Example one

As shown in fig. 1, the intelligent credit system based on invoice data includes:

the tax control equipment interface is used for accessing tax control equipment;

the user login module is used for receiving login information input by a user and verifying the login information after the tax control equipment is accessed;

the invoice data acquisition module is used for logging in the value-added tax invoice comprehensive service platform after the login information is verified, and acquiring and storing invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;

the data processing module is used for carrying out duplication removal and cleaning on the invoice data to obtain target specification invoice data;

the qualification evaluation module is used for judging whether the user has loan qualification or not based on the target specification invoice data, and if the user has loan qualification, pushing the target specification invoice data;

and the intelligent credit module is used for evaluating the loanable limit of the user based on the received target specification invoice data, recommending at least one credit product meeting the loanable limit to the user, and submitting the credit product selected by the user to a third-party financial service platform for auditing.

Wherein, the intelligent credit system further comprises a user authorization module, the user authorization module is used for:

presenting a user authorization protocol to a user;

after signing the user authorization protocol by using the certificate, storing the signed user authorization protocol to a cloud server; and

and checking whether invoice data are stored or not, if so, synchronizing the invoice data to a cloud server, and if not, indicating an invoice data acquisition module to acquire and store invoice data corresponding to the user from a value-added tax invoice comprehensive service platform.

Wherein the third party financial services platform is configured to:

acquiring invoice data of a user from a value-added tax invoice comprehensive service platform;

based on the obtained invoice data, calculating the credit limit of the user by trial;

checking the credit product through the limit comparison between the credit limit to be borrowed and the received credit product based on the credit limit to be borrowed of the user;

and submitting the credit product which passes the verification to a bank.

Wherein the intelligent credit system further comprises:

and the credit inquiry module is used for acquiring the auditing result of the credit product selected by the user from the third-party financial service platform according to the login information of the user.

Wherein the intelligent credit system further comprises:

the intelligent sequencing module is used for sequencing all the credit products meeting the loan limit through a preset algorithm according to the relevant information of each credit product, wherein,

the related information includes the corresponding highest line of each credit product, daily interest rate and repayment deadline, click rate, application amount and success amount, and the matching degree between the user's loanable line and the highest line of the credit product.

Example two

As shown in fig. 2, the intelligent credit method based on invoice data includes:

step 1: receiving login information input by a user, and verifying the login information after the user accesses the tax control equipment through the tax control equipment interface;

step 2: logging in a value-added tax invoice comprehensive service platform after the login information is verified, and acquiring and storing invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;

and step 3: the invoice data is subjected to duplication removal and cleaning to obtain target specification invoice data;

and 4, step 4: judging whether the user has loan qualification or not based on the target specification invoice data, and if the user has loan qualification, pushing the target specification invoice data;

and 5: and evaluating the loanable limit of the user based on the received target specification invoice data, recommending at least one credit product meeting the loanable limit to the user, and submitting the credit product selected by the user to a third-party financial service platform for auditing.

Wherein the third party financial services platform is configured to:

acquiring invoice data of a user from a value-added tax invoice comprehensive service platform;

based on the obtained invoice data, calculating the credit limit of the user by trial;

checking the credit product through the limit comparison between the credit limit to be borrowed and the received credit product based on the credit limit to be borrowed of the user;

and submitting the credit product which passes the verification to a bank.

Wherein the intelligent credit method further comprises:

after the login information passes the verification, displaying a user authorization protocol to the user;

after signing the user authorization protocol by using the certificate, storing the signed user authorization protocol to a cloud server; and

and checking whether invoice data are stored or not, if so, synchronizing the invoice data to a cloud server, and if not, indicating an invoice data acquisition module to acquire and store invoice data corresponding to the user from a value-added tax invoice comprehensive service platform.

Wherein the intelligent credit method further comprises:

and sequencing all the credit products meeting the loan limit through a preset algorithm according to the related information of each credit product, wherein,

the related information includes the corresponding highest line of each credit product, daily interest rate and repayment deadline, click rate, application amount and success amount, and the matching degree between the user's loanable line and the highest line of the credit product.

Wherein the intelligent credit method further comprises:

and acquiring the auditing result of the credit product selected by the user from the third-party financial service platform according to the login information of the user.

Having described embodiments of the present invention, the foregoing description is intended to be exemplary, not exhaustive, and not limited to the embodiments disclosed. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the described embodiments.

Claims (10)

1. An intelligent credit system based on invoice data, comprising:

the tax control equipment interface is used for accessing tax control equipment;

the user login module is used for receiving login information input by a user and verifying the login information after accessing the tax control equipment;

the invoice data acquisition module is used for logging in a value-added tax invoice comprehensive service platform after the login information is verified, and acquiring and storing invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;

the data processing module is used for carrying out duplication removal and cleaning on the invoice data to obtain target specification invoice data;

the qualification evaluation module is used for judging whether the user has loan qualification or not based on the target specification invoice data, and pushing the target specification invoice data if the user has loan qualification;

and the intelligent credit module is used for evaluating the loanable limit of the user based on the received target specification invoice data, recommending at least one credit product meeting the loanable limit to the user, and submitting the credit product selected by the user to a third-party financial service platform for auditing.

2. The intelligent credit system based on invoice data as claimed in claim 1, further comprising a user authorization module for:

presenting a user authorization protocol to the user;

after the user authorization protocol is signed by a certificate, storing the signed user authorization protocol to a cloud server; and

checking whether invoice data are stored or not, if so, synchronizing the invoice data to the cloud server, and if not, indicating the invoice data acquisition module to acquire and store the invoice data corresponding to the user from the value-added tax invoice comprehensive service platform.

3. The intelligent credit system based on invoice data as claimed in claim 1, wherein the third party financial services platform is used to:

acquiring the invoice data of the user from the value-added tax invoice integrated service platform;

calculating the loan amount to be paid of the user by trial based on the obtained invoice data;

based on the credit limit to be borrowed of the user, auditing the credit product by comparing the credit limit to be borrowed with the received credit product limit;

and submitting the credit product after the verification is passed to a bank.

4. The intelligent credit system based on invoice data as claimed in claim 1, further comprising:

and the credit inquiry module is used for acquiring the auditing result of the credit product selected by the user from the third-party financial service platform according to the login information of the user.

5. The intelligent credit system based on invoice data as claimed in claim 1, further comprising:

the intelligent sequencing module is used for sequencing all the credit products meeting the loan limit through a preset algorithm according to the related information of each credit product, wherein,

the related information comprises the corresponding highest limit, daily interest rate and repayment duration, click rate, application amount and success amount of each credit product and the matching degree between the loanable limit of the user and the highest limit of the credit product.

6. An intelligent credit method based on invoice data, comprising:

receiving login information input by a user, and verifying the login information after the user accesses tax control equipment through a tax control equipment interface;

logging in a value-added tax invoice comprehensive service platform after the login information is verified, and acquiring and storing invoice data corresponding to the user from the value-added tax invoice comprehensive service platform;

carrying out duplicate removal and cleaning on the invoice data to obtain target specification invoice data;

judging whether the user has loan qualification or not based on the target specification invoice data, and if the user has loan qualification, pushing the target specification invoice data;

and evaluating the loanable limit of the user based on the received target specification invoice data, recommending at least one credit product meeting the loanable limit to the user, and submitting the credit product selected by the user to a third-party financial service platform for auditing.

7. The intelligent credit method based on invoice data as claimed in claim 6, further comprising:

after the login information passes the verification, displaying a user authorization protocol to the user;

after the user authorization protocol is signed by a certificate, storing the signed user authorization protocol to a cloud server; and

checking whether invoice data are stored or not, if so, synchronizing the invoice data to the cloud server, and if not, indicating the invoice data acquisition module to acquire and store the invoice data corresponding to the user from the value-added tax invoice comprehensive service platform.

8. The intelligent credit method based on invoice data as claimed in claim 6, wherein the third party financial services platform is used to:

acquiring the invoice data of the user from the value-added tax invoice integrated service platform;

calculating the loan amount to be paid of the user by trial based on the obtained invoice data;

based on the credit limit to be borrowed of the user, auditing the credit product by comparing the credit limit to be borrowed with the received credit product limit;

and submitting the credit product after the verification is passed to a bank.

9. The intelligent credit method based on invoice data as claimed in claim 6, further comprising:

sequencing all credit products meeting the loan limit through a preset algorithm according to the related information of each credit product, wherein,

the related information comprises the corresponding highest limit, daily interest rate and repayment duration, click rate, application amount and success amount of each credit product and the matching degree between the loanable limit of the user and the highest limit of the credit product.

10. The intelligent credit method based on invoice data as claimed in claim 6, further comprising:

and acquiring the auditing result of the credit product selected by the user from the third-party financial service platform according to the login information of the user.

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