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Real-time repayment quota-increasing method and device

A technology for increasing the amount and amount, applied in the field of real-time amount increasing method and device for repayment, which can solve the problems that the monthly update cannot be optimally implemented for users who increase the amount, the amount cannot be given to customers in a timely manner, and the customer experience is not good. Achieve the effect of improving customer experience, improving service experience, and making decisions quickly and accurately

Pending Publication Date: 2022-04-08
上海数禾信息科技有限公司
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Problems solved by technology

[0003] On the one hand, the existing method cannot increase the amount of money to customers in a timely manner, and the customer experience is not good; on the other hand, the monthly updated behavior score cannot best realize the judgment of the user who raised the amount, and there is an increase in risk after the amount is raised by mistake

Method used

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  • Real-time repayment quota-increasing method and device
  • Real-time repayment quota-increasing method and device
  • Real-time repayment quota-increasing method and device

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Embodiment Construction

[0058] In order to make the purpose, technical solutions and advantages of the embodiments of the present disclosure clearer, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the drawings in the embodiments of the present disclosure. Obviously, the described embodiments It is only a part of the embodiments of the present disclosure, but not all the embodiments. Based on the embodiments in the present disclosure, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present disclosure.

[0059] The terms "first", "second", "third", "fourth", etc. (if any) in the description and claims of the present disclosure and the above drawings are used to distinguish similar objects and not necessarily Describe a specific order or sequence. It is to be understood that the data so used are interchangeable under approp...

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Abstract

The invention provides a repayment real-time quota increasing method and device, and the method comprises the steps: predicting a value classification tag of a user in real time during the repayment of a target user based on a pre-established value data set and a pre-established value classification model; based on a pre-established value data set and a pre-established repayment risk scoring model, determining a repayment risk score of the user during repayment of the target user; and according to the value classification tag of the user and the repayment risk score of the user, through a pre-constructed repayment quota decision model, judging whether the quota of the target user needs to be adjusted, and if so, adjusting the quota of the target user in real time. According to the method disclosed by the embodiment of the invention, the risk brought by repayment can be judged in real time according to the value levels of different users, so that a better quota-quoting decision is provided.

Description

technical field [0001] The present disclosure relates to the field of computer technology, and in particular to a method and device for real-time repayment amount increase. Background technique [0002] In recent years, the number of new financial users has become less and less, and various financial institutions are strengthening the management of existing users. However, most institutions use the monthly updated behavior scoring model at the end or beginning of the month to make batch quota adjustments or give temporary Quota etc. [0003] On the one hand, the existing method cannot increase the amount of money to customers in a timely manner, and the customer experience is not good; on the other hand, the monthly updated behavior score cannot best realize the judgment of the user who raised the amount, and there is an increase in risk after the amount is raised by mistake . [0004] Therefore, how to propose a solution to solve the problems in the prior art is a problem...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06G06K9/62
Inventor 乾春涛
Owner 上海数禾信息科技有限公司
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