CN114493830A - A data processing method and device for loan product matching - Google Patents

Abstract

The invention discloses a data processing method and a data processing device for loan product matching, wherein the method comprises the following steps: detecting whether loan request information is received or not to obtain a detection result; when the detection result is positive, screening a loan product information set to be selected from a preset display loan product information set according to a preset first product screening rule and loan request information; calculating product matching scoring information according to the information set of the loan products to be selected; determining an adaptive loan product information set according to the product matching score information; the adaptive loan product information set comprises a plurality of pieces of adaptive loan product information; the adapted loan product information is used to indicate an approval of the loan product by the third party platform. Therefore, the method and the system are beneficial to improving the information transparency between the loan products and the user waiting, simplifying the loan application data processing flow, improving the product and demand matching processing efficiency and further improving the marketing success rate of the loan products.

Description

A data processing method and device for loan product matching

technical field

The invention relates to the technical field of data processing, and in particular, to a data processing method and device for loan product matching.

Background technique

With the rapid development of Internet finance, the types of Internet financial products have become more and more abundant, but the problem of user needs and product adaptation has become more and more obvious. Therefore, a data processing method and device for loan product matching are provided, so as to improve the transparency of information between loan products and users, simplify the loan application data processing process, improve the processing efficiency of product and demand matching, and then improve the loan Product marketing success rate is particularly important.

SUMMARY OF THE INVENTION

The technical problem to be solved by the present invention is to provide a data processing method and device for loan product matching, which can use the first product screening rule to screen loan request information and display loan product information sets, and synthesize them through calculation processing, etc. Processing, and obtaining the information of suitable loan products used to instruct the third-party platform to review the loan products, which is conducive to improving the transparency of information between loan products and users, simplifying the loan application data processing process, and improving the matching of products and needs. efficiency, thereby improving the marketing success rate of loan products.

In order to solve the above technical problem, a first aspect of the embodiments of the present invention discloses a data processing method for loan product matching, the method comprising:

Detect whether the loan request information is received, and obtain the detection result; the loan request information is triggered by the user through the intelligent terminal;

When the detection result is yes, according to the preset first product screening rule and the loan request information, a set of loan product information to be selected is selected from the preset display loan product information set; the loan product to be selected is selected. The information set includes L candidate loan product information; the L is a positive integer greater than or equal to 2; the first product screening rule is associated with the user's tax data information; the displayed loan product information set includes several Display loan product information;

Calculate product matching score information according to the set of loan product information to be selected;

According to the product matching score information, a set of adapted loan product information is determined; the set of adapted loan product information includes several pieces of adapted loan product information; the adapted loan product information is used to instruct the third-party platform to evaluate the loan product 's audit.

As an optional implementation manner, in the first aspect of the embodiment of the present invention, according to the preset first product screening rule and the loan request information, filter out the loan product information set to be displayed from the preset display loan product information set according to the preset first product screening rule and the loan request information. A collection of selected loan product information, including:

determining the tax data information according to the loan request information;

According to the tax data information, a set of tax information to be used is determined; the set of tax information to be used includes the M pieces of tax information to be used; the M is a positive integer greater than or equal to the L;

The preset display loan product information set is screened by using the to-be-used tax information set to obtain the to-be-selected loan product information set.

As an optional implementation manner, in the first aspect of the embodiment of the present invention, the determining of the tax information set to be used according to the tax data information includes:

For any one of the displayed loan product information, determine the product evaluation information corresponding to the displayed loan product information;

The tax data information is traversed by using the product evaluation information to obtain the ready-to-use tax information corresponding to the displayed loan product information.

As an optional implementation manner, in the first aspect of the embodiment of the present invention, the set of tax information to be used is used to screen a preset set of displayed loan product information to obtain a set of loan product information to be selected, include:

For any one of the displayed loan product information, determine whether the pending tax information corresponding to the displayed loan product information satisfies the product evaluation information corresponding to the displayed loan product information, and obtain a first judgment result;

When the judgment result is yes, it is determined that the displayed loan product information is the candidate loan product information.

As an optional implementation manner, in the first aspect of the embodiment of the present invention, calculating the product matching score information according to the set of loan product information to be selected includes:

A preset weight determination model is used to process the information set of the loan products to be selected to determine a set of tax weight coefficient information; the tax weight coefficient information set includes several pieces of tax weight coefficient information; the tax weight coefficient information includes several pieces of tax weight coefficient information. a tax weight factor; the tax weight factor is associated with the third-party platform;

Calculate and process the tax weight coefficient information set to obtain product matching score information.

As an optional implementation manner, in the first aspect of the embodiment of the present invention, the determining the set of information on the adapted loan product according to the product matching score information includes:

Get scoring threshold information;

Judging and analyzing the scoring threshold information and the product matching scoring information to obtain a set of adapted loan product information.

As an optional implementation manner, in the first aspect of the embodiment of the present invention, according to the preset first product screening rule and the loan request information, the selection is made from a preset display loan product information set. Before the information collection of the loan product to be selected, the method further includes:

Obtain tax blacklist information; the tax blacklist information includes user identification information;

Judging whether the loan request information matches the tax blacklist information, and obtaining a second judgment result;

When the second judgment result is no, triggering the execution of the selection of the loan product information set to be selected from the preset display loan product information set according to the preset first product screening rule and the loan request information.

A second aspect of the embodiments of the present invention discloses a data processing device for loan product matching, the device comprising:

a detection module, configured to detect whether the loan request information is received, and obtain the detection result; the loan request information is triggered by the user through the intelligent terminal;

a screening module, configured to screen out a set of loan product information to be selected from a preset set of displayed loan product information according to the preset first product screening rule and the loan request information when the detection result is yes; The set of loan product information to be selected includes L pieces of loan product information to be selected; the L is a positive integer greater than or equal to 2; the first product screening rule is associated with the tax data information of the user; the displayed loan product The information set includes several display loan product information;

a calculation module, configured to calculate product matching score information according to the set of loan product information to be selected;

A determination module, configured to determine a set of adapted loan product information according to the product matching score information; the adapted loan product information set includes several pieces of adapted loan product information; the adapted loan product information is used to indicate the first Review of loan products by the third-party platform.

As an optional implementation manner, in the second aspect of the embodiment of the present invention, the screening module selects from a preset display loan product information set according to the preset first product screening rule and the loan request information The specific method of filtering out the information set of the loan product to be selected is as follows:

determining the tax data information according to the loan request information;

According to the tax data information, a set of tax information to be used is determined; the set of tax information to be used includes the M pieces of tax information to be used; the M is a positive integer greater than or equal to the L;

The preset display loan product information set is screened by using the to-be-used tax information set to obtain the to-be-selected loan product information set.

As an optional implementation manner, in the second aspect of the embodiment of the present invention, the screening module determines, according to the tax data information, a specific manner in which the set of tax information to be used is:

For any one of the displayed loan product information, determine the product evaluation information corresponding to the displayed loan product information;

The tax data information is traversed by using the product evaluation information to obtain the ready-to-use tax information corresponding to the displayed loan product information.

As an optional implementation manner, in the second aspect of the embodiment of the present invention, the screening module uses the tax information set to be used to perform screening processing on a preset display loan product information set to obtain a loan product to be selected The specific method of information collection is as follows:

For any one of the displayed loan product information, determine whether the pending tax information corresponding to the displayed loan product information satisfies the product evaluation information corresponding to the displayed loan product information, and obtain a first judgment result;

When the judgment result is yes, it is determined that the displayed loan product information is the candidate loan product information.

As an optional implementation manner, in the second aspect of the embodiment of the present invention, the computing module includes a first processing submodule and a second processing submodule, wherein:

The first processing submodule is configured to process the information set of the loan product to be selected by using a preset weight determination model to determine a tax weight coefficient information set; the tax weight coefficient information set includes several tax weight coefficients information; the tax weight coefficient information includes several tax weight coefficients; the tax weight coefficient is associated with the third-party platform;

The second processing sub-module is configured to perform calculation processing on the tax weight coefficient information set to obtain product matching score information.

As an optional implementation manner, in the second aspect of the embodiment of the present invention, the determining module determines, according to the product matching score information, a specific manner for determining the set of adapted loan product information as follows:

Get scoring threshold information;

Judging and analyzing the scoring threshold information and the product matching scoring information to obtain a set of adapted loan product information.

As an optional implementation manner, in the second aspect of the embodiment of the present invention, in the screening module, according to the preset first product screening rule and the loan request information, display the loan product information set from a preset set Before the information set of the loan product to be selected is screened out, the device further includes:

an acquisition module for acquiring tax blacklist information; the tax blacklist information includes user identification information;

a judgment module, configured to judge whether the loan request information matches the tax blacklist information, and obtain a second judgment result;

Trigger execution module, for when the second judgment result is no, trigger execution of the said first product screening rule and the loan request information according to the preset, from the preset display loan product information set to filter out Select a collection of loan product information.

A third aspect of the present invention discloses another data processing device for loan product matching, the device comprising:

a memory in which executable program code is stored;

a processor coupled to the memory;

The processor invokes the executable program code stored in the memory to execute part or all of the steps in the data processing method for loan product matching disclosed in the first aspect of the embodiments of the present invention.

A fourth aspect of the present invention discloses a computer storage medium, the computer storage medium stores computer instructions, and when the computer instructions are invoked, is used to execute the data for loan product matching disclosed in the first aspect of the embodiments of the present invention Some or all of the steps in a processing method.

Compared with the prior art, the embodiments of the present invention have the following beneficial effects:

In the embodiment of the present invention, it is detected whether the loan request information is received, and the detection result is obtained; when the loan request information is triggered by the user through the intelligent terminal; when the detection result is yes, according to the preset first product screening rule and the loan request information, A set of loan product information to be selected is screened from the preset display loan product information set; the set of loan product information to be selected includes L pieces of loan product information to be selected; L is a positive integer greater than or equal to 2; the first product screening rule and user The displayed loan product information set includes several displayed loan product information; according to the loan product information set to be selected, the product matching score information is calculated; according to the product matching score information, the suitable loan product information set is determined; The matching loan product information set includes several matching loan product information; the matching loan product information is used to instruct the third-party platform to review the loan product. It can be seen that the present invention can use the first product screening rule to screen the loan request information and the displayed loan product information set, and obtain the adapted loan product information used to instruct the third-party platform to review the loan product through comprehensive processing such as calculation processing. , which is conducive to improving the transparency of information between loan products and users, simplifying the loan application data processing process, improving the processing efficiency of product and demand matching, and thus improving the marketing success rate of loan products.

Description of drawings

In order to illustrate the technical solutions in the embodiments of the present invention more clearly, the following briefly introduces the accompanying drawings used in the description of the embodiments. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained from these drawings without creative effort.

1 is a schematic flowchart of a data processing method for loan product matching disclosed in an embodiment of the present invention;

2 is a schematic flowchart of another data processing method for loan product matching disclosed in an embodiment of the present invention;

3 is a schematic structural diagram of a data processing device for loan product matching disclosed in an embodiment of the present invention;

4 is a schematic structural diagram of another data processing device for loan product matching disclosed in an embodiment of the present invention;

FIG. 5 is a schematic structural diagram of another data processing apparatus for loan product matching disclosed in an embodiment of the present invention.

Detailed ways

In order to make those skilled in the art better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only These are some embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

The terms "first", "second" and the like in the description and claims of the present invention and the above drawings are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "comprising" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, apparatus, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes unlisted steps or units, or optionally also includes For other steps or units inherent to these processes, methods, products or devices.

Reference herein to an "embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the present invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor a separate or alternative embodiment that is mutually exclusive of other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

The invention discloses a data processing method and device for loan product matching, which can use a first product screening rule to screen loan request information and a set of displayed loan product information, and obtain information for indication through comprehensive processing such as calculation processing. The adapted loan product information reviewed by the third-party platform for loan products is conducive to improving the transparency of information between loan products and users, simplifying the loan application data processing process, improving the processing efficiency of matching products and needs, and further improving loan products. marketing success rate. Each of them will be described in detail below.

Example 1

Please refer to FIG. 1. FIG. 1 is a schematic flowchart of a data processing method for loan product matching disclosed in an embodiment of the present invention. The data processing method for loan product matching described in FIG. 1 is applied to a data processing system, such as a local server or a cloud server for data processing management of loan product matching, which is not limited in the embodiment of the present invention. As shown in Figure 1, the data processing method for loan product matching may include the following operations:

101. Detect whether loan request information is received, and obtain a detection result.

In the embodiment of the present invention, the above loan request information is triggered by a user through an intelligent terminal.

102. When the detection result is yes, according to the preset first product screening rule and loan request information, filter out a set of loan product information to be selected from a preset set of displayed loan product information.

In the embodiment of the present invention, the above-mentioned set of loan product information to be selected includes L pieces of loan product information to be selected.

In the embodiment of the present invention, the above-mentioned L is a positive integer greater than or equal to 2.

In the embodiment of the present invention, the above-mentioned first product screening rule is associated with the user's tax data information.

In the embodiment of the present invention, the above-mentioned set of displayed loan product information includes several pieces of displayed loan product information.

103. Calculate product matching score information according to the set of loan product information to be selected.

104. Determine a set of adapted loan product information according to the product matching score information.

In the embodiment of the present invention, the above-mentioned set of adapted loan product information includes several pieces of adapted loan product information.

In the embodiment of the present invention, the above-mentioned adapted loan product information is used to instruct the third-party platform to review the loan product.

Optionally, the above loan request information includes loan product type information, and/or user identification information, and/or tax account information, and/or contact information, which is not limited in this embodiment of the present invention.

Optionally, the above-mentioned user identification information includes legal representative information, and/or, taxpayer identification number, and/or, social credit code, and/or, enterprise name information, which is not limited in this embodiment of the present invention.

It can be seen that, implementing the data processing method for loan product matching described in the embodiment of the present invention can use the first product screening rule to screen the loan request information and the displayed loan product information set, and perform comprehensive processing such as calculation processing to obtain the data for The adapted loan product information that instructs the third-party platform to review the loan product is conducive to improving the transparency of the information between the loan product and the user, simplifying the loan application data processing process, improving the processing efficiency of product and demand matching, and then improving the loan Product marketing success rate.

In an optional embodiment, in the above step 102, according to the preset first product screening rules and loan request information, a set of loan product information to be selected is screened from a preset display loan product information set, including:

According to the loan request information, determine the tax data information;

According to the tax data information, a set of tax information to be used is determined; the set of tax information to be used includes M pieces of tax information to be used; M is a positive integer greater than or equal to L;

The preset display loan product information set is screened by using the to-be-used tax information set to obtain the to-be-selected loan product information set.

In this optional embodiment, as an optional implementation manner, the above-mentioned specific manner of determining the tax data information according to the loan request information is as follows:

Use the above loan request information for tax data authorization;

Retrieve the initial tax information corresponding to the above loan request information from the data interface of the tax department;

The above initial tax information is analyzed and structured to obtain tax data information.

Optionally, the above-mentioned structural processing includes transformation of data information, and/or statistics of data information, and/or visualization of data information, which is not limited in this embodiment of the present invention.

Optionally, the above tax data information includes credit rating information, and/or, tax filing information, and/or, collection information, and/or, investor information, and/or, branch information, and/or, tax changes information, and/or, tax arrears information, and/or, illegal information, and/or, audit case information, and/or, asset and liability information, and/or, corporate profit information, and/or, invoice information, this The embodiments of the invention are not limited.

Optionally, the above tax data information includes P types of data information.

Optionally, the above P is a positive integer greater than or equal to 5.

Optionally, the above-mentioned invoice information includes annual invoicing amount information, and/or invoicing amount statistical information, and/or invoicing time information, which is not limited in this embodiment of the present invention.

Optionally, the above-mentioned annual invoicing amount information includes invoicing amount information in the past year, and/or, invoicing amount information in this year, and/or, invoicing amount information in the previous year, and/or, invoicing amount information in the previous two years. The embodiment is not limited.

Optionally, the above statistical information on invoicing volume includes information on invoicing volume in this year, and/or, invoicing volume information in the previous year, and/or, month-on-month growth rate information, and/or year-on-year growth rate information, which is not performed in this embodiment of the present invention. limited.

Optionally, the above-mentioned invoicing time information includes earliest invoicing time information, and/or latest invoicing time information, and/or, invoicing month number information, and/or, invoicing month number information, and/or, consecutive invoicing days. The information, and/or the information on the number of consecutive unbilled days, and/or the core enterprise billing time information, are not limited in this embodiment of the present invention.

It can be seen that, implementing the data processing method for loan product matching described in the embodiment of the present invention can determine and obtain tax data information according to the loan request information, and then obtain a set of loan product information to be selected through comprehensive processing of the tax data information, which is conducive to improving The transparency of information between loan products and users simplifies the loan application data processing process, improves the processing efficiency of product and demand matching, and then improves the marketing success rate of loan products.

In another optional embodiment, the above-mentioned determination of the to-be-used tax information set according to the tax data information includes:

For any displayed loan product information, determine the product evaluation information corresponding to the displayed loan product information;

The tax data information is traversed by using the product evaluation information, and the tax information to be used corresponding to the displayed loan product information is obtained.

Optionally, the above-mentioned displayed loan product information includes loan product name information, and/or, product quota information, and/or, settlement cycle information, and/or, credit period information, and/or, loan repayment method information, and/or Or, interest rate information, and/or, supplier information, and/or, product application condition information, which are not limited in this embodiment of the present invention.

Optionally, the above tax information to be used includes Q types of data information.

Optionally, the above-mentioned Q is a positive integer less than or equal to P.

Optionally, the above-mentioned Q is a positive integer greater than or equal to 4.

It can be seen that implementing the data processing method for loan product matching described in the embodiment of the present invention can use the product evaluation information to traverse the tax data information to obtain the tax information to be used, which is beneficial to improve the information transparency between the loan product and the user. It can simplify the loan application data processing process, improve the processing efficiency of product and demand matching, and then improve the marketing success rate of loan products.

In yet another optional embodiment, the above-mentioned use of the tax information set to be used performs screening processing on the preset display loan product information set to obtain the loan product information set to be selected, including:

For any displayed loan product information, determine whether the pending tax information corresponding to the displayed loan product information satisfies the product evaluation information corresponding to the displayed loan product information, and obtain a first judgment result;

When the judgment result is yes, it is determined that the displayed loan product information is the loan product information to be selected.

Optionally, the above product evaluation information includes several evaluation conditions.

Optionally, the above evaluation conditions are associated with product application condition information.

Optionally, the above evaluation conditions include that the invoicing record of the core enterprise is greater than or equal to X months, and/or, the number of consecutive invoicing months is greater than or equal to Y, and/or, the amount of invoicing in the past year is greater than or equal to Z million, and/or, the most recent consecutive The number of days for invoicing is greater than or equal to A days, and/or the credit rating is not worse than the credit rating T, which is not limited in the embodiment of the present invention.

Optionally, the above X is a positive integer greater than or equal to 6.

Optionally, the above Y is a positive integer greater than or equal to 12.

Optionally, the above Z is a positive integer greater than or equal to 50.

Optionally, the above A is a positive integer greater than or equal to 60.

Optionally, the above T includes qualified, and/or, good, and/or, excellent, which is not limited in the embodiment of the present invention.

Optionally, the evaluation conditions in each product evaluation information described above are stored in the database according to a preset sequence.

Optionally, the above evaluation conditions may be dynamically adjusted according to changes in loan products.

In this optional embodiment, as an optional implementation manner, it is determined whether the tax information to be used corresponding to the displayed loan product information meets the product evaluation information corresponding to the displayed loan product information, and the first judgment result is obtained. The specific way is:

Using the above-mentioned evaluation conditions to evaluate and analyze the pending tax information corresponding to the displayed loan product information in sequence, to obtain evaluation result information; the above-mentioned evaluation result information includes the information that the evaluation conditions are met, and/or the information that does not meet the evaluation conditions;

Judging that the above evaluation result information has information that does not meet the evaluation conditions, obtain the condition judgment result;

When the above-mentioned condition judgment result is yes, it is determined that the above-mentioned first judgment result is no;

When the above-mentioned condition judgment result is NO, it is determined that the above-mentioned first judgment result is YES.

It can be seen that, implementing the data processing method for loan product matching described in the embodiment of the present invention can obtain the information of the loan product to be selected by judging and analyzing the tax information to be used and the product evaluation information, which is more conducive to improving the relationship between loan products and users. Improve the transparency of information, simplify the loan application data processing process, improve the processing efficiency of product and demand matching, and then improve the marketing success rate of loan products.

Embodiment 2

Please refer to FIG. 2, which is a schematic flowchart of another data processing method for loan product matching disclosed in an embodiment of the present invention. The data processing method for loan product matching described in FIG. 2 is applied to a data processing system, such as a local server or a cloud server for data processing and management of loan product matching, which is not limited in the embodiment of the present invention. As shown in Figure 2, the data processing method for loan product matching may include the following operations:

201. Detect whether loan request information is received, and obtain a detection result.

202. When the detection result is yes, according to the preset first product screening rule and loan request information, filter out the information set of the loan product to be selected from the preset display loan product information set.

203. Use a preset weight determination model to process the information set of the loan product to be selected, and determine the tax weight coefficient information set.

In the embodiment of the present invention, the above-mentioned tax weight coefficient information set includes several pieces of tax weight coefficient information.

In the embodiment of the present invention, the above-mentioned tax weight coefficient information includes several tax weight coefficients.

In the embodiment of the present invention, the above-mentioned tax weight coefficient is associated with a third-party platform.

204. Calculate and process the tax weight coefficient information set to obtain product matching score information.

205. Determine a set of loan product information suitable for use according to the product matching score information.

In this embodiment of the present invention, for the specific technical details and technical term explanations of step 201-step 202 and step 205, reference may be made to the detailed description of step 101-step 102 and step 104 in Embodiment 1, which is not repeated in this embodiment of the present invention. .

Optionally, the specific form of the above weight determination model is:

Among them, λ is the tax weight coefficient, B is the tax weight quantization amplitude, λ ₀ is the weight standard value, and λ ₁ is the weight estimated value.

Optionally, the above-mentioned tax weight quantization amplitude is obtained by processing historical tax data information by using a preset weight quantization model.

Optionally, the above-mentioned weight quantization model is a model based on a neural network.

Optionally, the above-mentioned product matching score information includes several product matching scores.

It can be seen that implementing the data processing method for loan product matching described in the embodiment of the present invention can use the first product screening rule to screen loan request information and display loan product information sets, and use a weight determination model to perform calculation processing and other synthesis Processing, and obtaining the information of suitable loan products used to instruct the third-party platform to review the loan products, which is conducive to improving the transparency of information between loan products and users, simplifying the loan application data processing process, and improving the matching of products and needs. efficiency, thereby improving the marketing success rate of loan products.

In an optional embodiment, in the above step 204, according to the product matching score information, a set of adapted loan product information is determined, including:

Get scoring threshold information;

Judging and analyzing the scoring threshold information and product matching scoring information to obtain a set of matching loan product information.

Optionally, the above scoring threshold information includes several scoring thresholds.

In this optional embodiment, as an optional implementation manner, the above judgment and analysis are performed on the scoring threshold information and the product matching scoring information, and the specific method for obtaining the set of adapted loan product information is as follows:

The above-mentioned score threshold information and product matching score information are calculated by the degree of adaptation, and the information of the degree of product adaptation is obtained; the above-mentioned information of the degree of product adaptation includes several values of the degree of product adaptation;

Sort the above product fitness information in descending order of product fitness value to obtain a sequence of fitness values;

The above-mentioned adaptation degree value sequence is screened by using a preset product recommendation threshold to obtain a set of adapted loan product information.

Optionally, the above product recommendation threshold is related to the type of loan product.

Optionally, the closer the above-mentioned product matching score is to the scoring threshold, the greater the product suitability value.

It can be seen that implementing the data processing method for loan product matching described in the embodiment of the present invention can further screen loan products through scoring threshold information, which is more conducive to improving the transparency of information between loan products and users, simplifying The loan application data processing process improves the processing efficiency of product and demand matching, thereby improving the marketing success rate of loan products.

In another optional embodiment, before filtering out a set of loan product information to be selected from a preset set of displayed loan product information according to a preset first product screening rule and loan request information, the method further includes:

Obtain tax blacklist information; tax blacklist information includes user identification information;

Judging whether the loan request information matches the tax blacklist information, and obtaining a second judgment result;

When the second judgment result is no, triggering the execution of filtering out a set of loan product information to be selected from a preset display loan product information set according to the preset first product screening rule and loan request information.

In this optional embodiment, as an optional implementation manner, when the above-mentioned second judgment result is yes, the above-mentioned loan request information is pushed to the information verification terminal;

Perform credit verification on the above loan request information to obtain verification results;

When the above verification result is passed, trigger the execution of screening out the information set of the loan product to be selected from the preset display loan product information set according to the preset first product screening rule and the loan request information;

When the above verification result is not passed, the program is terminated.

Optionally, the above-mentioned tax blacklist information can be used to perform multi-level data verification on loan request information, which can reduce the amount of data processing and effectively improve the efficiency of data processing.

Optionally, the above-mentioned credit verification is the verification processing of credit rating information, tax arrears information, information on violations of laws and regulations, information on audit cases, and information on assets and liabilities.

It can be seen that implementing the data processing method for loan product matching described in the embodiment of the present invention can preliminarily screen loan request information through tax blacklist information, which is more conducive to improving the transparency of information between loan products and users. Simplify the loan application data processing process, improve the processing efficiency of product and demand matching, and then improve the marketing success rate of loan products.

Embodiment 3

Please refer to FIG. 3 , which is a schematic structural diagram of a data processing apparatus for loan product matching disclosed in an embodiment of the present invention. The apparatus described in FIG. 3 can be applied to a data processing system, such as a local server or a cloud server for data processing and management of loan product matching, which is not limited in the embodiment of the present invention. As shown in Figure 3, the device may include:

The detection module 301 is used to detect whether the loan request information is received, and obtain the detection result; when the loan request information is triggered by the user through the intelligent terminal;

The screening module 302 is configured to, when the detection result is yes, according to the preset first product screening rules and loan request information, screen out the set of loan product information to be selected from the preset display loan product information set; the loan product to be selected; The information set includes L candidate loan product information; L is a positive integer greater than or equal to 2; the first product screening rule is associated with the user's tax data information; the displayed loan product information set includes several displayed loan product information;

The calculation module 303 is configured to calculate the product matching score information according to the set of loan product information to be selected;

The determining module 304 is configured to determine a set of adapted loan product information according to the product matching score information; the adapted loan product information set includes several pieces of adapted loan product information; the adapted loan product information is used to instruct the third-party platform to evaluate the loan product 's audit.

It can be seen that, by implementing the data processing device for loan product matching described in FIG. 3, the first product screening rule can be used to screen the loan request information and the set of displayed loan product information, and comprehensive processing such as calculation processing can be used to obtain instructions for indicating The adapted loan product information reviewed by the third-party platform for loan products is conducive to improving the transparency of information between loan products and users, simplifying the loan application data processing process, improving the processing efficiency of matching products and needs, and further improving loan products. marketing success rate.

In another optional embodiment, as shown in FIG. 4 , the screening module 302 screens out the loan product information to be selected from the preset display loan product information set according to the preset first product screening rules and loan request information The specific method of collection is:

According to the loan request information, determine the tax data information;

According to the tax data information, a set of tax information to be used is determined; the set of tax information to be used includes M pieces of tax information to be used; M is a positive integer greater than or equal to L;

The preset display loan product information set is screened by using the to-be-used tax information set to obtain the to-be-selected loan product information set.

It can be seen that implementing the data processing device for loan product matching described in FIG. 4 can determine and obtain tax data information according to the loan request information, and then obtain a set of loan product information to be selected through comprehensive processing of the tax data information, which is conducive to improving loans. The transparency of information between products and users simplifies the loan application data processing process, improves the processing efficiency of product and demand matching, and then improves the marketing success rate of loan products.

In yet another optional embodiment, as shown in FIG. 4 , the specific manner in which the screening module 302 determines the to-be-used tax information set according to the tax data information is:

For any displayed loan product information, determine the product evaluation information corresponding to the displayed loan product information;

The tax data information is traversed by using the product evaluation information, and the tax information to be used corresponding to the displayed loan product information is obtained.

It can be seen that implementing the data processing device for loan product matching described in FIG. 4 can use product evaluation information to traverse tax data information to obtain tax information to be used, which is beneficial to improve the transparency of information between loan products and users. It will simplify the loan application data processing process, improve the processing efficiency of product and demand matching, and then improve the marketing success rate of loan products.

In yet another optional embodiment, as shown in FIG. 4 , the screening module 302 uses the tax information set to be used to perform screening processing on the preset display loan product information set, and the specific method of obtaining the loan product information set to be selected is as follows:

For any displayed loan product information, determine whether the pending tax information corresponding to the displayed loan product information satisfies the product evaluation information corresponding to the displayed loan product information, and obtain a first judgment result;

When the judgment result is yes, it is determined that the displayed loan product information is the loan product information to be selected.

It can be seen that implementing the data processing device for loan product matching described in FIG. 4 can obtain the information of the loan product to be selected by judging and analyzing the tax information to be used and the product evaluation information, which is more conducive to improving the relationship between loan products and users. Information transparency, simplifies the loan application data processing process, improves the processing efficiency of product and demand matching, and then improves the marketing success rate of loan products.

In yet another optional embodiment, as shown in FIG. 4 , the computing module 303 includes a first processing sub-module 3031 and a second processing sub-module 3032, wherein:

The first processing sub-module 3031 is used to process the information set of the loan product to be selected by using a preset weight determination model, and determine the tax weight coefficient information set; the tax weight coefficient information set includes several pieces of tax weight coefficient information; tax weight coefficient information Including several tax weight coefficients; tax weight coefficients are associated with third-party platforms;

The second processing sub-module 3032 is configured to perform calculation processing on the tax weight coefficient information set to obtain product matching score information.

It can be seen that, by implementing the data processing device for loan product matching described in FIG. 4, the loan request information and the displayed loan product information set can be screened by using the first product screening rule, and comprehensive processing such as calculation processing can be performed by using the weight determination model and the like. , to obtain the information of the adapted loan products used to instruct the third-party platform to review the loan products, which is conducive to improving the transparency of information between loan products and users, simplifying the loan application data processing process, and improving the processing efficiency of product and demand matching. , thereby improving the marketing success rate of loan products.

In yet another optional embodiment, as shown in FIG. 4 , the determining module 304 determines, according to the product matching score information, the specific manner of determining the set of adapted loan product information as follows:

Get scoring threshold information;

Judging and analyzing the scoring threshold information and product matching scoring information to obtain a set of matching loan product information.

It can be seen that, implementing the data processing device for loan product matching described in FIG. 4 can further screen loan products through the scoring threshold information, which is more conducive to improving the transparency of information between loan products and users, and simplifying loans. The application data processing process improves the processing efficiency of product and demand matching, thereby improving the marketing success rate of loan products.

In yet another optional embodiment, as shown in FIG. 4 , the screening module 302 screens out the loan product to be selected from the preset display loan product information set according to the preset first product screening rules and loan request information Before the information collection, the device also includes:

The obtaining module 305 is used for obtaining tax blacklist information; the tax blacklist information includes user identification information;

Judging module 306, configured to judge whether the loan request information matches the tax blacklist information, and obtain a second judgment result;

Triggering and executing module 307 is configured to, when the second judgment result is no, trigger the execution of filtering out a set of loan product information to be selected from a preset display loan product information set according to the preset first product screening rules and loan request information .

It can be seen that implementing the data processing device for loan product matching described in FIG. 4 can preliminarily screen loan request information through tax blacklist information, which is more conducive to improving the transparency of information between loan products and users, simplifying The loan application data processing process improves the processing efficiency of product and demand matching, thereby improving the marketing success rate of loan products.

Embodiment 4

Please refer to FIG. 5. FIG. 5 is a schematic structural diagram of another data processing apparatus for loan product matching disclosed in an embodiment of the present invention. The apparatus described in FIG. 5 can be applied to a data processing system, such as a local server or a cloud server for data processing and management of loan product matching, which is not limited in the embodiment of the present invention. As shown in Figure 5, the apparatus may include:

a memory 401 storing executable program code;

a processor 402 coupled to the memory 401;

The processor 402 invokes the executable program code stored in the memory 401 to execute the steps in the data processing method for loan product matching described in Embodiment 1 or Embodiment 2.

Embodiment 5

An embodiment of the present invention discloses a computer-readable storage medium, which stores a computer program for electronic data exchange, wherein the computer program enables a computer to execute the data processing for loan product matching described in the first or second embodiment steps in the method.

Embodiment 6

An embodiment of the present invention discloses a computer program product. The computer program product includes a non-transitory computer-readable storage medium storing a computer program, and the computer program is operable to cause a computer to execute the description in the first embodiment or the second embodiment. The steps in the data processing method for loan product matching.

The device embodiments described above are only illustrative, wherein the modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place , or distributed to multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment. Those of ordinary skill in the art can understand and implement it without creative effort.

From the specific description of the above embodiments, those skilled in the art can clearly understand that each implementation manner can be implemented by means of software plus a necessary general hardware platform, and certainly can also be implemented by means of hardware. Based on this understanding, the above-mentioned technical solutions can be embodied in the form of software products in essence or that make contributions to the prior art. The computer software products can be stored in a computer-readable storage medium, and the storage medium includes a read-only memory. (Read-Only Memory, ROM), Random Access Memory (Random Access Memory, RAM), Programmable Read-only Memory (Programmable Read-only Memory, PROM), Erasable Programmable Read Only Memory (Erasable Programmable Read Only Memory, EPROM) , One-time Programmable Read-Only Memory (OTPROM), Electronically-Erasable Programmable Read-Only Memory (EEPROM), CompactDisc Read-Only Memory , CD-ROM) or other optical disk storage, magnetic disk storage, magnetic tape storage, or any other computer-readable medium that can be used to carry or store data.

Finally, it should be noted that the data processing method and device for loan product matching disclosed in the embodiments of the present invention are only preferred embodiments of the present invention, and are only used to illustrate the technical solutions of the present invention, not It is limited; although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that; it is still possible to modify the technical solutions recorded in the foregoing embodiments, or perform some technical features. Equivalent replacement; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the various embodiments of the present invention.

Claims (10)

1. A data processing method for loan product matching, wherein the method comprises: Detecting whether the loan request information is received, and obtaining the detection result; the loan request information is triggered by the user through the intelligent terminal; When the detection result is yes, according to the preset first product screening rule and the loan request information, a set of loan product information to be selected is selected from the preset display loan product information set; the loan product to be selected is selected. The information set includes L candidate loan product information; the L is a positive integer greater than or equal to 2; the first product screening rule is associated with the user's tax data information; the displayed loan product information set includes several Display loan product information; Calculate product matching score information according to the set of loan product information to be selected; According to the product matching score information, a set of adapted loan product information is determined; the set of adapted loan product information includes several pieces of adapted loan product information; the adapted loan product information is used to instruct the third-party platform to evaluate the loan product 's audit. 2 . The data processing method for loan product matching according to claim 1 , wherein, according to the preset first product screening rule and the loan request information, the loan product information collection is displayed from a preset set of loan product information. 3 . A collection of loan product information to be selected is filtered out, including: determining the tax data information according to the loan request information; According to the tax data information, a set of tax information to be used is determined; the set of tax information to be used includes the M pieces of tax information to be used; the M is a positive integer greater than or equal to the L; The preset display loan product information set is screened by using the to-be-used tax information set to obtain the to-be-selected loan product information set. 3. The data processing method for loan product matching according to claim 2, wherein the determining the set of tax information to be used comprises: For any one of the displayed loan product information, determine the product evaluation information corresponding to the displayed loan product information; The tax data information is traversed by using the product evaluation information to obtain the ready-to-use tax information corresponding to the displayed loan product information. 4 . The data processing method for loan product matching according to claim 2 , wherein the said set of tax information to be used is used to screen a preset set of displayed loan product information to obtain the loan to be selected. 5 . A collection of product information, including: For any one of the displayed loan product information, determine whether the pending tax information corresponding to the displayed loan product information satisfies the product evaluation information corresponding to the displayed loan product information, and obtain a first judgment result; When the judgment result is yes, it is determined that the displayed loan product information is the candidate loan product information. 5 . The data processing method for loan product matching according to claim 1 , wherein calculating the product matching score information according to the set of loan product information to be selected, comprising: 5 . A preset weight determination model is used to process the information set of the loan products to be selected to determine a set of tax weight coefficient information; the tax weight coefficient information set includes several pieces of tax weight coefficient information; the tax weight coefficient information includes several pieces of tax weight coefficient information. a tax weight factor; the tax weight factor is associated with the third-party platform; Calculate and process the tax weight coefficient information set to obtain product matching score information. 6 . The data processing method for loan product matching according to claim 1 , wherein, according to the product matching score information, determining a set of adapted loan product information, comprising: 6 . Get scoring threshold information; Judging and analyzing the scoring threshold information and the product matching scoring information to obtain a set of adapted loan product information. 7 . The data processing method for loan product matching according to claim 1 , wherein, according to the preset first product screening rule and the loan request information, the loan product information is displayed from the preset Before filtering out the set of loan product information to be selected from the set, the method further includes: Obtain tax blacklist information; the tax blacklist information includes user identification information; Judging whether the loan request information matches the tax blacklist information, and obtaining a second judgment result; When the second judgment result is no, triggering the execution of the selection of the loan product information set to be selected from the preset display loan product information set according to the preset first product screening rule and the loan request information. 8. A data processing device for loan product matching, characterized in that the device comprises: a detection module, configured to detect whether the loan request information is received, and obtain the detection result; the loan request information is triggered by the user through the intelligent terminal; a screening module, configured to screen out a set of loan product information to be selected from a preset set of displayed loan product information according to the preset first product screening rule and the loan request information when the detection result is yes; The set of loan product information to be selected includes L pieces of loan product information to be selected; the L is a positive integer greater than or equal to 2; the first product screening rule is associated with the tax data information of the user; the displayed loan product The information collection includes several display loan product information; a calculation module, configured to calculate product matching score information according to the set of loan product information to be selected; A determination module, configured to determine a set of adapted loan product information according to the product matching score information; the adapted loan product information set includes several pieces of adapted loan product information; the adapted loan product information is used to indicate the first Review of loan products by the third-party platform. 9. A data processing device for loan product matching, characterized in that the device comprises: memory in which executable program code is stored; a processor coupled to the memory; The processor invokes the executable program code stored in the memory to execute the data processing method for loan product matching according to any one of claims 1-7. 10. A computer-storable medium, characterized in that the computer-storage medium stores computer instructions that, when invoked, are used to execute the loan product according to any one of claims 1-7 Matching data processing methods.

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