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Personal credit ecological platform

An ecological platform and credit technology, applied in the field of credit platform, can solve the problems of not covering merchant customers, unable to achieve two-way push, etc., to achieve the effect of reducing post-loan risk, enriching time trajectory, and reducing customer acquisition costs

Inactive Publication Date: 2017-02-22
全联征信有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The credit evaluation of the existing technology does not cover merchant customers, and cannot achieve two-way push
Only one-way evaluation, no customer complaint link

Method used

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  • Personal credit ecological platform
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Embodiment Construction

[0021] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0022] see Figure 1~2 , in the embodiment of the present invention, the personal credit ecological platform is constructed by the following three layers: a presentation layer, an intermediate layer and a data layer, wherein the presentation layer is a front-end client platform, the intermediate layer is a background service platform, and the data layer is a data warehouse system , the presentation layer is under the protection of a firewall, and performs cust...

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Abstract

The invention discloses a personal credit ecological platform, which is structured by a display layer, a middle layer and a data layer; the display layer is a front client platform, the middle layer is a background service platform, and the data layer is a data warehouse system; the whole ecological platform consists of a management end, a personal credit module, a merchant module, a payment flow, and a mobile APP. The platform data base is deep, the data quality is alive, the accuracy is high, the scale is wide, and the time track is rich, the data volume is huge and the dimension is wide. The platform deeply excavates the personal credit data, realizes the credit evaluation, provides the complete personal credit status, realizes the personal credit tracking management, and further controls the risk; besides, the client complaint procedure is added. The platform achieves the recommendation of potential and sustainable developed individual client for merchant users, and realizes the bidirectional push.

Description

technical field [0001] The invention relates to a credit platform, in particular to a personal credit ecological platform. Background technique [0002] At present, the existing personal credit platform can only label and classify some customers in the data provided by its own system, and push some services to customers according to the classification. The existing technologies are all based on the data of their own system, it is difficult to achieve data sharing, the number of customers is small, and the coverage of data dimensions is limited and has a certain focus. Existing technologies only label and classify customers based on data. Credit evaluation is not in-depth, unable to provide a complete personal credit status, and unable to control risks. Without credit management services, it is impossible to monitor and analyze personal credit status, and cannot give management suggestions for improving credit. Due to the small amount of data and one-sidedness, the existin...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06G06Q20/40G06Q20/32G06Q20/24
CPCG06Q20/24G06Q20/3223G06Q20/40145G06Q20/403G06Q20/405G06Q30/0609G06Q40/03
Inventor 张梦琪
Owner 全联征信有限公司
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