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Loan approval method and related device

A loan amount and mapping relationship technology, which is applied in the field of loan approval methods and related devices, can solve problems such as poor user experience and inconvenience, and achieve the effects of saving time, improving efficiency, and improving user experience

Pending Publication Date: 2019-08-06
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, when the company's individuals make loans on behalf of the company, they need to go to the bank to find the account manager for face-to-face loan requests and corresponding operations, and need to submit a lot of written materials to different banking departments, which is very inconvenient, and it is very inconvenient to complete the corresponding application. Finally, it usually takes a certain number of days for approval before getting the approval result. This requires the user to go to the bank many times to follow up the progress, and the user experience is very poor.

Method used

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  • Loan approval method and related device
  • Loan approval method and related device
  • Loan approval method and related device

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Embodiment Construction

[0029] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some of the embodiments of the application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0030] The terms "first", "second" and the like in the specification and claims of the present application and the above drawings are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "include" and "have", as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, bu...

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Abstract

The embodiment of the invention provides a loan approval method, which comprises the following steps: receiving a personal representative enterprise loan application request sent by a user, and inputting information of the user into a preset information scoring model for processing to obtain an identity score P1 of the user and an identity score P2 of the enterprise; processing the identity scoreP1 of the user and the identity score P2 of the enterprise to obtain a first score P of the personal representative enterprise application loan corresponding to the user; and if it is determined thatthe first score P of the personal representative enterprise application loan corresponding to the user is not smaller than a first preset score, displaying a message that the approval is passed. According to the method and the system, the safety of loan approval is ensured by carrying out double-score control on the user and the enterprise, the loan approval efficiency is effectively improved, theuser can carry out loan approval without going to a bank for multiple times, compared with the prior art, the time for going to the bank for multiple times to deliver materials is saved, and the userexperience is good.

Description

technical field [0001] This application relates to the technical field of data processing, in particular to a loan approval method and related devices. Background technique [0002] At present, when the company's individuals make loans on behalf of the company, they need to go to the bank to find the account manager for face-to-face loan requests and corresponding operations, and need to submit a lot of written materials to different banking departments, which is very inconvenient, and it is very inconvenient to complete the corresponding application. Finally, it generally takes a certain number of days for approval before the approval result can be obtained. This requires the user to go to the bank many times to follow up the progress, and the user experience is very poor. Contents of the invention [0003] The embodiment of the present application provides a loan approval method and a related device, which can quickly output the approval result and save a lot of time for...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 瞿康敏
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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