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Consumption loan method, device and system for house renting

A house and user technology, applied in the field of Internet communication, can solve the problems of complex loan process and low efficiency, and achieve the effect of reducing cumbersome process, improving efficiency and saving time

Inactive Publication Date: 2017-03-29
深圳市好公寓信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The purpose of the present invention is to provide a consumer loan method, device and system for house leasing, aiming to solve the problem of complicated borrowing process and low efficiency when the user needs capital turnover in the process of renting a house

Method used

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  • Consumption loan method, device and system for house renting
  • Consumption loan method, device and system for house renting
  • Consumption loan method, device and system for house renting

Examples

Experimental program
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Effect test

specific Embodiment 1

[0059] Such as figure 1 and figure 2 As shown, the embodiment of the present invention provides a consumer loan method for house leasing, including:

[0060] Application Step S101:

[0061] Receive loan request data sent by users;

[0062] Obtain personal information of users;

[0063] Identity verification of the personal information;

[0064] When the authentication result is successful, obtain the rental data of the user;

[0065] Generate loan data according to the personal information, the rental data, and the loan request data; the loan data includes the personal information, the rental data, and the loan request data;

[0066] Data review step S102:

[0067]Conduct data review on the said loan data;

[0068] When the data review result is passed, query the borrowing institution corresponding to the loan request data, and send the loan data to the borrowing institution;

[0069] When the data review result is not passed, send a prompt message to the user that th...

specific Embodiment 2

[0082] Such as figure 2 As shown, the embodiment of the present invention provides a consumer lending device for house leasing, including:

[0083] Application Module 201 for:

[0084] Receive loan request data sent by users;

[0085] Obtain personal information of users;

[0086] Identity verification of the personal information;

[0087] When the authentication result is successful, obtain the rental data of the user;

[0088] Generate loan data according to the personal information, the rental data, and the loan request data; the loan data includes the personal information, the rental data, and the loan request data;

[0089] The data review module 202 is used for:

[0090] Conduct data review on the said loan data;

[0091] When the data review result is passed, query the borrowing institution corresponding to the loan request data, and send the loan data to the borrowing institution;

[0092] When the data review result is not passed, send a prompt message to the ...

specific Embodiment 3

[0105] Such as image 3 As shown, the embodiment of the present invention provides a consumer lending system for house leasing, including:

[0106] The consumer lending device 301 in any of the above-mentioned embodiments;

[0107] The user terminal 302 is used to send loan request data to the consumer lending device 301, and receive prompt information sent by the consumer loan device 301 that the data review fails, the risk control review fails, and the prompt information for overdue collection ;

[0108] Borrowing institution terminal 303, configured to receive the loan data sent by the consumer loan device 301, and send the risk control review result of the loan data to the consumer loan device 301;

[0109] The third-party transaction platform 304 is used to realize the lending and repayment between the consumer lending device 301 and the user.

[0110] In the embodiment of the present invention, when a user needs to borrow money, he only needs to input personal informa...

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Abstract

The invention provides a consumption loan method, device and system for house renting. A user can initiate a loan application by only inputting personal data and the amount of money required to be borrowed when the user needs to borrow money, and obtains the consumption loan quickly after passing through data verification and risk control audition. According to the invention, data verification and risk control audition of a loan mechanism are performed online, so that the travel time and the travel cost offline of the loan user are saved; personal information and house renting data of the user are authenticated by an authoritative organization, thereby being authentic and effective, and saving the time spent on investigation and verification in many ways for the loan mechanism, and being capable of performing immediate risk judgment and offering a loan in real time. According to the invention, a one-stop service mode is adopted, the user can complete submit of all information and data within a few minutes when requiring turnover of funds, the loan mechanism can also acquire authoritative data, tedious procedures of investigation and verification in many ways are reduced, and the efficiency of consumption loan for house renting and decoration is improved.

Description

technical field [0001] The present invention relates to the technical field of Internet communication, and in particular to a consumption lending method, device and system for house leasing. Background technique [0002] For renting or house decoration, tenants or landlords need to borrow money from lending institutions for capital turnover. This type of loans belongs to the series of consumer loans in lending institutions, and borrowers need to provide credit records, personal capital flow, personal information and other information to lending institutions. The risk control personnel of the borrowing institution will conduct a risk assessment, and the loan will be issued after the assessment risk is controllable. This process requires the borrower to travel to various institutions to obtain evidence, and risk control personnel also need to conduct multi-party verification of the obtained evidence. The process is cumbersome and complicated, and the efficiency is low. Conte...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06G06Q20/08G06Q50/16G06Q40/02
CPCG06Q20/0855G06Q30/0645G06Q50/16G06Q40/03
Inventor 陈创科
Owner 深圳市好公寓信息技术有限公司
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