An internet-based credit product selection system and method

Abstract

The invention provides a credit product selection system and method based on the Internet. The method comprises the following steps: pre-storing basic information of a client, account information andlimit information of the client, a plurality of risk control models and credit threshold information of each fund party; wherein each client has a credit account of at least one capital party established for the client in advance, and each credit account has at least one credit limit; receiving a payment application, and calling each risk control model to judge a fund party of a credit threshold which can be reached by a client initiating the payment application; Screening out a target credit account matched with the amount of the payment application from the credit accounts of the capital parties owned by the client; And using the target credit account to respond to the payment application, and carrying out payment. The problem that a client in a payment scene is difficult to select an appropriate credit product for payment is solved, the user experience is improved, and meanwhile, the enterprise customer acquisition cost of a fund party is reduced.

Description

technical field [0001] The invention relates to the technical field of financial information, in particular to an Internet-based credit product selection system and method. Background technique [0002] In recent years, domestic consumer credit has shown a continuous upward trend, the proportion of consumer credit in total loans has continued to increase, and the proportion of consumer credit to GDP has continued to increase. With the gradual improvement of online credit infrastructure and the existence of a large number of customers with strong willingness, the combination of the two will create a huge gap in credit demand. However, in the face of a large number of credit product choices, people often feel that they have no choice or tend to calculate the gains and losses, so many customers will subconsciously escape from complicated choices and lean on short products, resulting in the loss of some users. [0003] Existing credit products can only grant credit to users in ...

AI Technical Summary

Problems solved by technology

However, in the face of a large number of credit product choices, people often feel that they have no choice or tend to calculate the gains and losses, so many customers will subconsciously escape from complicated choices and lean on short products, resulting in the loss of some users

[0003] Existing credit products can only grant credit to users in their own fields and provide credits. Different credits given by different capitals cannot meet the needs of users in relevant payment scenarios, and users need to actively grant credits in various credit products And choose the expected amount for scene payment

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