CN114493830A - Data processing method and device for loan product matching - Google Patents
Data processing method and device for loan product matching Download PDFInfo
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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
Technical Field
The invention relates to the technical field of data processing, in particular to a data processing method and device for loan product matching.
Background
With the rapid development of internet finance, the variety of internet financial products is more and more abundant, but the problem of the adaptation of user requirements and products is more and more obvious. Therefore, it is important to provide a data processing method and device for loan product matching to improve the information transparency between loan products and user treats, simplify the loan application data processing flow, improve the product and demand matching processing efficiency, and further improve the marketing success rate of loan products.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a data processing method and device for loan product matching, which can be used for screening loan request information and loan product display information sets by using a first product screening rule, and obtaining adaptive loan product information for indicating the auditing of a third-party platform on loan products through comprehensive processing such as calculation processing and the like, thereby being 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.
In order to solve the technical problem, a first aspect of the embodiments of the present invention discloses a data processing method for loan product matching, where the method includes:
detecting whether loan request information is received or not to obtain a detection result; the loan request information is triggered by the user through the intelligent terminal;
when the detection result is yes, 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 the loan request information; the information set of the to-be-selected loan products comprises L pieces of information of the to-be-selected loan products; l is a positive integer greater than or equal to 2; the first product screening rule is associated with tax data information of the user; the display loan product information set comprises a plurality of pieces of display loan product 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 audit of the loan product by the third party platform.
As an optional implementation manner, in the first aspect of the embodiment of the present invention, the screening, according to the preset first product screening rule and the loan request information, a set of information of loan products to be selected from a preset set of information of display loan products, includes:
determining the tax data information according to the loan request information;
determining a set of tax information to be used according to the tax data information; the standby tax information set comprises the M standby tax information; m is a positive integer greater than or equal to L;
and screening a preset display loan product information set by using the to-be-used tax information set to obtain a 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, according to the tax data information, a set of tax information to be used includes:
for any one piece of the information of the displayed loan products, determining product evaluation information corresponding to the information of the displayed loan products;
and traversing the tax data information by using the product evaluation information to obtain standby tax information corresponding to the information of the displayed loan product.
As an optional implementation manner, in the first aspect of the embodiment of the present invention, the screening a preset display loan product information set by using the to-be-used tax information set to obtain a to-be-selected loan product information set includes:
for any one piece of displayed loan product information, judging whether the to-be-used tax information corresponding to the displayed loan product information meets the product evaluation information corresponding to the displayed loan product information or not to obtain a first judgment result;
and when the judgment result is yes, determining the information of the displayed loan product as the information of the loan product to be selected.
As an optional implementation manner, in the first aspect of the embodiment of the present invention, the calculating product matching score information according to the information set of the loan product to be selected includes:
processing the information set of the loan products to be selected by using a preset weight determination model to determine a tax weight coefficient information set; the tax weight coefficient information set comprises a plurality of tax weight coefficient information; the tax weight coefficient information comprises a plurality of tax weight coefficients; the tax weight coefficient is associated with the third party platform;
and calculating 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 an adapted loan product information set according to the product matching score information includes:
obtaining scoring threshold information;
and judging and analyzing the grading threshold information and the product matching grading information to obtain an adaptive loan product information set.
As an optional implementation manner, in the first aspect of the embodiment of the present invention, before the screening, according to the preset first product screening rule and the loan request information, a set of information of loan products to be selected from a preset set of information of display loan products, the method further includes:
acquiring tax blacklist information; the tax blacklist information comprises user identification information;
judging whether the loan request information is matched with the tax blacklist information or not to obtain a second judgment result;
and when the second judgment result is negative, triggering and executing the loan request information according to the preset first product screening rule, and screening a loan product information set to be selected from a preset display loan product information set.
The second aspect of the embodiment of the invention discloses a data processing device for loan product matching, which comprises:
the detection module is used for detecting whether loan request information is received or not to obtain a detection result; the loan request information is triggered by the user through the intelligent terminal;
the screening module is used for screening a to-be-selected loan product information set from a preset display loan product information set according to a preset first product screening rule and the loan request information when the detection result is yes; the information set of the to-be-selected loan products comprises L pieces of information of the to-be-selected loan products; l is a positive integer greater than or equal to 2; the first product screening rule is associated with tax data information of the user; the display loan product information set comprises a plurality of pieces of display loan product information;
the calculation module is used for calculating product matching scoring information according to the information set of the loan products to be selected;
the determining module is used for 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 audit of the loan product by the third party platform.
As an optional implementation manner, in the second aspect of the embodiment of the present invention, the specific manner of the screening module screening the information set of the loan product to be selected from the preset information set of the display loan product according to the preset first product screening rule and the loan request information is as follows:
determining the tax data information according to the loan request information;
determining a set of tax information to be used according to the tax data information; the standby tax information set comprises the M standby tax information; m is a positive integer greater than or equal to L;
and screening a preset display loan product information set by using the to-be-used tax information set to obtain a to-be-selected loan product information set.
As an optional implementation manner, in a second aspect of the embodiment of the present invention, the specific manner of determining, by the screening module, the to-be-used tax information set according to the tax data information is as follows:
for any one piece of the information of the displayed loan products, determining product evaluation information corresponding to the information of the displayed loan products;
and traversing the tax data information by using the product evaluation information to obtain standby tax information corresponding to the information of the displayed loan product.
As an optional implementation manner, in the second aspect of the embodiment of the present invention, the screening module performs screening processing on a preset display loan product information set by using the to-be-used tax information set, and a specific manner of obtaining the to-be-selected loan product information set is as follows:
for any one piece of displayed loan product information, judging whether the to-be-used tax information corresponding to the displayed loan product information meets the product evaluation information corresponding to the displayed loan product information or not to obtain a first judgment result;
and when the judgment result is yes, determining the information of the displayed loan product as the information of the loan product to be selected.
As one such optional implementation manner, in the second aspect of the embodiment of the present invention, the computing module includes a first processing sub-module and a second processing sub-module, wherein:
the first processing submodule is used for processing the information set of the loan product to be selected by using a preset weight determination model and determining a tax weight coefficient information set; the tax weight coefficient information set comprises a plurality of tax weight coefficient information; the tax weight coefficient information comprises a plurality of tax weight coefficients; the tax weight coefficient is associated with the third party platform;
and the second processing submodule is used for calculating the tax weight coefficient information set to obtain product matching scoring information.
As an alternative implementation manner, in the second aspect of the embodiment of the present invention, the specific manner of determining, by the determining module, the information set of the adapted loan product according to the product matching score information is as follows:
obtaining scoring threshold information;
and judging and analyzing the grading threshold information and the product matching grading information to obtain an adaptive loan product information set.
As an optional implementation manner, in the second aspect of the embodiment of the present invention, before the screening module screens out the set of information of the loan product to be selected from the set of information of the preset display loan product according to the preset first product screening rule and the loan request information, the apparatus further includes:
the acquiring module is used for acquiring tax blacklist information; the tax blacklist information comprises user identification information;
the judging module is used for judging whether the loan request information is matched with the tax blacklist information or not to obtain a second judging result;
and the triggering execution module is used for triggering and executing the information set of the loan products to be selected from a preset information set of the displayed loan products according to a preset first product screening rule and the loan request information when the second judgment result is negative.
In a third aspect, the invention discloses another data processing apparatus for loan product matching, the apparatus comprising:
a memory storing executable program code;
a processor coupled with the memory;
the processor calls the executable program code stored in the memory to execute part or all of the steps of the data processing method for loan product matching disclosed by the first aspect of the embodiment of the invention.
In a fourth aspect of the present invention, a computer storage medium is disclosed, which stores computer instructions for performing some or all of the steps of the data processing method for matching loan products disclosed in the first aspect of the embodiments of the present invention when the computer instructions are invoked.
Compared with the prior art, the embodiment of the invention has the following beneficial effects:
in the embodiment of the invention, whether loan request information is received or not is detected to obtain a detection result; the loan request information is triggered by the user through the intelligent terminal; 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; the information set of the loan products to be selected comprises L loan product information to be selected; l is a positive integer greater than or equal to 2; the first product screening rule is associated with tax data information of the user; the display loan product information set comprises a plurality of pieces of display loan product 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 loan request information and the loan product display information set can be screened by using the first product screening rule, and the adaptive loan product information used for indicating the examination and verification of the third-party platform on the loan products is obtained through comprehensive processing such as calculation processing, so that the information transparency between the loan products and the user waiting is improved, the loan application data processing flow is simplified, the product and demand matching processing efficiency is improved, and the marketing success rate of the loan products is further improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a flow chart illustrating a data processing method for loan product matching according to an embodiment of the invention;
FIG. 2 is a schematic flow chart of another data processing method for loan product matching according to the embodiment of the invention;
fig. 3 is a schematic structural diagram of a data processing device for loan product matching according to an embodiment of the invention;
fig. 4 is a schematic structural diagram of another data processing device for loan product matching according to the embodiment of the invention;
fig. 5 is a schematic structural diagram of another data processing device for loan product matching according to an embodiment of the invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, 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 in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, apparatus, product, or apparatus that comprises a list of steps or elements is not limited to those listed but may alternatively include other steps or elements not listed or inherent to such process, method, product, or apparatus.
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 invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one 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 be used for screening loan request information and loan product display information sets by utilizing a first product screening rule and obtaining adaptive loan product information for indicating the auditing of a third-party platform on loan products through comprehensive processing such as calculation processing and the like, thereby being 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. The following are detailed below.
Example one
Referring to fig. 1, fig. 1 is a schematic flow chart illustrating a data processing method for loan product matching according to an embodiment of the invention. The data processing method for matching loan products 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, and the embodiment of the present invention is not limited thereto. As shown in FIG. 1, the data processing method for loan product matching may include the following operations:
101. and detecting whether the loan request information is received or not to obtain a detection result.
In the embodiment of the invention, the loan request information is triggered by the user through the intelligent terminal.
102. And when the detection result is yes, 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.
In an embodiment of the present invention, the set of information on loan products to be selected includes information on L loan products to be selected.
In an embodiment of the present invention, L is a positive integer greater than or equal to 2.
In an embodiment of the present invention, the first product screening rule is associated with tax data information of a user.
In an embodiment of the present invention, the display loan product information set includes a plurality of pieces of display loan product information.
103. And calculating product matching scoring information according to the information set of the loan products to be selected.
104. And determining an adaptive loan product information set according to the product matching score information.
In an embodiment of the present invention, the adapted loan product information set includes a plurality of adapted loan product information.
In an embodiment of the present invention, the adapted loan product information is used to instruct the third party platform to check the loan product.
Optionally, the 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 the embodiment of the present invention.
Optionally, the user identification information includes legal representative information, and/or a taxpayer identification number, and/or a social credit code, and/or enterprise name information, which is not limited in the embodiments of the present invention.
Therefore, the data processing method for loan product matching described in the embodiment of the invention can utilize the first product screening rule to screen the loan request information and the information set for displaying loan products, and obtain the adapted loan product information for indicating the third-party platform to check the loan products through comprehensive processing such as calculation processing, thereby being beneficial to improving the information transparency between the loan products and the user waiting, simplifying the loan application data processing flow, improving the efficiency of product and demand matching processing, and further improving the marketing success rate of the loan products.
In an optional embodiment, the step 102 of screening the information set of the loan product to be selected from the preset information set of the display loan product according to the preset first product screening rule and the loan request information includes:
determining tax data information according to the loan request information;
determining a set of tax information to be used according to the tax data information; the standby tax information set comprises M standby tax information; m is a positive integer greater than or equal to L;
and screening the preset display loan product information set by using the to-be-used tax information set to obtain a to-be-selected loan product information set.
In this optional embodiment, as an optional implementation manner, the specific manner of determining the tax data information according to the loan request information is as follows:
performing tax data authorization by using the loan request information;
calling initial tax information corresponding to the loan request information from a data interface of a tax department;
and analyzing and structuring the initial tax information to obtain tax data information.
Optionally, the structural processing includes conversion of the data information, and/or statistics of the data information, and/or visualization of the data information, which is not limited in the embodiment of the present invention.
Optionally, the tax data information includes credit rating information, and/or tax declaration information, and/or collection information, and/or sponsor information, and/or affiliate information, and/or tax change information, and/or debt information, and/or violation information, and/or audit case information, and/or asset liability information, and/or enterprise profit information, and/or invoice information, which is not limited in the embodiments of the present invention.
Optionally, the tax data information includes P kinds of data information.
Optionally, P is a positive integer greater than or equal to 5.
Optionally, the invoice information includes annual invoicing amount information, and/or invoicing amount statistical information, and/or invoicing time information, which is not limited in the embodiment of the present invention.
Optionally, the annual invoicing amount information includes information of the annual invoicing amount, and/or information of the previous annual invoicing amount, and/or information of the last two annual invoicing amount, which is not limited in the embodiment of the present invention.
Optionally, the billing amount statistical information includes billing amount information of the current year, and/or billing amount information of the previous year, and/or ring ratio growth rate information, and/or same ratio growth rate information, which is not limited in the embodiment of the present invention.
Optionally, the billing time information includes earliest billing time information, and/or latest billing time information, and/or billing month number information, and/or current month number information, and/or continuous billing days information, and/or continuous non-billing days information, and/or core enterprise billing time information, which is not limited in the embodiment of the present invention.
Therefore, by implementing the data processing method for loan product matching described in the embodiment of the invention, the tax data information can be determined according to the loan request information, and the information set of the loan products to be selected is obtained through the comprehensive processing of the tax data information, so that the information transparency between the loan products and the user waiting is improved, the loan application data processing flow is simplified, the product and demand matching processing efficiency is improved, and the marketing success rate of the loan products is improved.
In another optional embodiment, the determining the set of tax information to be used according to the tax data information includes:
for any display loan product information, determining product evaluation information corresponding to the display loan product information;
and traversing the tax data information by utilizing the product evaluation information to obtain standby tax information corresponding to the displayed loan product information.
Optionally, the information of the displayed loan product includes name information of the loan product, and/or information of a product amount, and/or information of a settlement period, and/or information of a credit granting term, and/or information of a loan repayment mode, and/or information of an interest rate, and/or information of a supplier, and/or information of a product application condition, which is not limited in the embodiment of the present invention.
Optionally, the tax information to be used includes Q types of data information.
Optionally, Q is a positive integer less than or equal to P.
Optionally, Q is a positive integer of 4 or more.
Therefore, the data processing method for loan product matching described in the embodiment of the invention can traverse the tax data information by using the product evaluation information to obtain the tax information to be used, is beneficial to improving the information transparency between the loan product and the user waiting, simplifies the loan application data processing flow, improves the product and demand matching processing efficiency, and further improves the marketing success rate of the loan product.
In another optional embodiment, the screening the preset display loan product information set by using the inactive tax information set to obtain an inactive loan product information set includes:
for any display loan product information, judging whether the to-be-used tax information corresponding to the display loan product information meets the product evaluation information corresponding to the display loan product information or not to obtain a first judgment result;
and when the judgment result is yes, determining the information of the displayed loan product as the information of the loan product to be selected.
Optionally, the product evaluation information includes a plurality of evaluation conditions.
Optionally, the evaluation condition is associated with product application condition information.
Optionally, the evaluation condition includes that the core enterprise invoicing record is greater than X months, and/or the number of continuous invoicing months is greater than or equal to Y, and/or the last year invoicing amount is greater than or equal to Z ten thousand yuan, and/or the last consecutive invoicing days are greater than or equal to a day, and/or the credit rating is not lower than the credit rating T, which is not limited in the embodiment of the present invention.
Optionally, X is a positive integer of 6 or more.
Optionally, Y is a positive integer of 12 or more.
Optionally, Z is a positive integer of 50 or more.
Optionally, a is a positive integer of 60 or more.
Optionally, T includes pass, and/or, good, and/or, excellent, and embodiments of the present invention are not limited.
Optionally, the evaluation condition in each product evaluation information is stored in the database according to a preset arrangement order.
Alternatively, the evaluation conditions may be dynamically adjusted according to the change of the loan products.
In this optional embodiment, as an optional implementation manner, the specific manner of determining whether the to-be-used tax information corresponding to the information of the display loan product meets the product assessment information corresponding to the information of the display loan product to obtain the first determination result is as follows:
sequentially utilizing the evaluation conditions to evaluate and analyze the to-be-used tax information corresponding to the information of the displayed loan product to obtain evaluation result information; the evaluation result information comprises information meeting the evaluation condition and/or information not meeting the evaluation condition;
judging whether the evaluation result information does not meet the evaluation condition information to obtain a condition judgment result;
when the condition judgment result is yes, determining that the first judgment result is no;
and when the condition judgment result is negative, determining that the first judgment result is positive.
Therefore, the data processing method for loan product matching described in the embodiment of the 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, is more favorable for improving the information transparency between the loan product and the user waiting, simplifies the loan application data processing flow, improves the product and demand matching processing efficiency, and further improves the marketing success rate of the loan product.
Example two
Referring to fig. 2, fig. 2 is a flow chart illustrating another data processing method for loan product matching according to an embodiment of the invention. The data processing method for matching loan products described in fig. 2 is applied to a data processing system, such as a local server or a cloud server for data processing management of loan product matching, and the embodiment of the present invention is not limited thereto. As shown in fig. 2, the data processing method for loan product matching may include the following operations:
201. and detecting whether the loan request information is received or not to obtain a detection result.
202. And when the detection result is yes, 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.
203. And processing 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.
In an embodiment of the present invention, the tax weight coefficient information set includes several tax weight coefficient information.
In an embodiment of the present invention, the tax weight coefficient information includes a plurality of tax weight coefficients.
In an embodiment of the present invention, the tax weight coefficient is associated with a third party platform.
204. And calculating the tax weight coefficient information set to obtain product matching score information.
205. And determining an adaptive loan product information set according to the product matching score information.
In the embodiment of the present invention, for specific technical details and technical noun explanations of step 201 to step 202, and step 205, reference may be made to the detailed descriptions of step 101 to step 102, and step 104 in the first embodiment, which are not described again in the embodiment of the present invention.
Optionally, the weight determination model has a specific form:
wherein, λ is tax weight coefficient, B is tax weight quantization amplitude, λ0Is a rightHeavy standard value, λ1Are weight pre-estimated values.
Optionally, the tax weight quantization amplitude is obtained by processing historical tax data information by using a preset weight quantization model.
Optionally, the weight quantization model is a neural network-based model.
Optionally, the product matching score information includes a plurality of product matching scores.
Therefore, the data processing method for loan product matching described in the embodiment of the invention can utilize the first product screening rule to screen the loan request information and the information set for displaying loan products, and utilize the weight determination model and the like to perform comprehensive processing such as calculation processing and the like to obtain the adaptive loan product information for indicating the third-party platform to check the loan products, thereby being 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.
In an alternative embodiment, the determining the adapted loan product information set according to the product matching score information in step 204 includes:
obtaining scoring threshold information;
and judging and analyzing the grading threshold information and the product matching grading information to obtain an adaptive loan product information set.
Optionally, the scoring threshold information includes a plurality of scoring thresholds.
In this optional embodiment, as an optional implementation manner, the specific manner of obtaining the information set of the adapted loan product by performing judgment analysis on the scoring threshold information and the product matching scoring information is as follows:
calculating the adaptation degree of the grading threshold value information and the product matching grading information to obtain product adaptation degree information; the product suitability information comprises a plurality of product suitability values;
sorting the product suitability degree information according to the sequence of the product suitability degree values from large to small to obtain a suitability degree value sequence;
and screening the sequence of the fitness values by using a preset product recommendation threshold value to obtain a set of information of the adapted loan products.
Optionally, the product recommendation threshold is related to the type of loan product.
Optionally, the closer the product matching score is to the score threshold, the greater the product suitability value.
Therefore, the data processing method for loan product matching described in the embodiment of the invention can further screen loan products through the scoring threshold information, is more favorable for improving the information transparency between the loan products and the user waiting, simplifies the loan application data processing flow, improves the product and demand matching processing efficiency, and further improves the marketing success rate of the loan products.
In another optional embodiment, before screening the set of information of the loan product to be selected from the set of information of the preset display loan product according to the preset first product screening rule and the loan request information, the method further comprises:
acquiring tax blacklist information; the tax blacklist information comprises user identification information;
judging whether the loan request information is matched with the tax blacklist information or not to obtain a second judgment result;
and when the second judgment result is negative, triggering and executing to screen 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.
In this optional embodiment, as one optional implementation manner, when the second determination result is yes, the loan request information is pushed to an information verifying end;
performing credit check on the loan request information to obtain a check result;
when the verification result is passed, triggering and executing to screen 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;
and when the check result is that the program does not pass, terminating the program.
Optionally, the loan request information may be subjected to multi-level data verification by using the tax blacklist information, so that the data processing amount may be reduced, and the data processing efficiency may be effectively improved.
Optionally, the credit verification is a verification process of credit rating information, debt information, violation information, audit case information and asset liability information.
Therefore, the data processing method for loan product matching, which is described in the embodiment of the invention, can primarily screen loan request information through tax blacklist information, is more favorable for improving the information transparency between loan products and user waiting, simplifies loan application data processing procedures, improves product and demand matching processing efficiency, and further improves the marketing success rate of the loan products.
EXAMPLE III
Referring to fig. 3, fig. 3 is a schematic structural diagram of a data processing apparatus for loan product matching according to an embodiment of the 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 management of loan product matching, and the embodiments of the present invention are not limited thereto. As shown in fig. 3, the apparatus may include:
the detection module 301 is configured to detect whether loan request information is received or not, and obtain a detection result; the loan request information is triggered by the user through the intelligent terminal;
the screening module 302 is used for screening a to-be-selected loan product information set from a preset display loan product information set according to a preset first product screening rule and loan request information when the detection result is yes; the information set of the loan products to be selected comprises L loan product information to be selected; l is a positive integer greater than or equal to 2; the first product screening rule is associated with tax data information of the user; the display loan product information set comprises a plurality of pieces of display loan product information;
the calculating module 303 is configured to calculate product matching score information according to the information set of the loan products to be selected;
a determining module 304, configured to determine an adapted 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.
It can be seen that, by implementing the data processing device for matching loan products described in fig. 3, the loan request information and the information set for displaying loan products can be screened by using the first product screening rule, and the adapted loan product information for instructing the third-party platform to check the loan products is obtained through comprehensive processing such as calculation processing, which is 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.
In another alternative embodiment, as shown in fig. 4, the screening module 302 screens the information set of the loan product to be selected from the preset information set of the display loan product according to the preset first product screening rule and the loan request information in a specific manner:
determining tax data information according to the loan request information;
determining a set of tax information to be used according to the tax data information; the standby tax information set comprises M standby tax information; m is a positive integer greater than or equal to L;
and screening the preset display loan product information set by using the to-be-used tax information set to obtain a to-be-selected loan product information set.
It can be seen that by implementing the data processing device for loan product matching described in fig. 4, the tax data information can be determined according to the loan request information, and then the information set of the loan products to be selected is obtained through comprehensive processing of the tax data information, which is 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.
In yet another alternative embodiment, as shown in fig. 4, the screening module 302 determines the to-be-used tax information set according to the tax data information in a specific manner:
for any display loan product information, determining product evaluation information corresponding to the display loan product information;
and traversing the tax data information by utilizing the product evaluation information to obtain standby tax information corresponding to the displayed loan product information.
It can be seen that, by implementing the data processing device for loan product matching described in fig. 4, the tax data information can be traversed by using the product evaluation information to obtain the tax information to be used, which is beneficial to improving the information transparency between the loan product 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 product.
In yet another alternative embodiment, as shown in fig. 4, the screening module 302 uses the to-be-used tax information set to perform screening processing on the preset display loan product information set, and the specific manner of obtaining the to-be-selected loan product information set is as follows:
for any display loan product information, judging whether the to-be-used tax information corresponding to the display loan product information meets the product evaluation information corresponding to the display loan product information or not to obtain a first judgment result;
and when the judgment result is yes, determining the information of the displayed loan product as the information of the loan product to be selected.
Therefore, by implementing the data processing device for loan product matching described in fig. 4, the information of the loan product to be selected can be obtained through the judgment and analysis of the tax information to be used and the product evaluation information, which is more beneficial to improving the information transparency between the loan product 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 product.
In yet another alternative embodiment, as shown in fig. 4, the calculation module 303 includes a first processing submodule 3031 and a second processing submodule 3032, wherein:
the first processing submodule 3031 is used for processing the information set of the loan product to be selected by using a preset weight determination model and determining a tax weight coefficient information set; the tax weight coefficient information set comprises a plurality of tax weight coefficient information; the tax weight coefficient information comprises a plurality of tax weight coefficients; the tax weight coefficient is associated with a third party platform;
and the second processing submodule 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 matching loan products described in fig. 4, the loan request information and the information set of the displayed loan products can be screened by using the first product screening rule, and comprehensive processing such as calculation processing and the like is performed by using the weight determination model and the like, so that adaptive loan product information for instructing the third-party platform to check the loan products is obtained, which is 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.
In yet another alternative embodiment, as shown in fig. 4, the determining module 304 determines the information set of the adapted loan product according to the product matching score information in a specific manner:
obtaining scoring threshold information;
and judging and analyzing the grading threshold information and the product matching grading information to obtain an adaptive loan product information set.
Therefore, 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 favorable for 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.
In yet another alternative embodiment, as shown in fig. 4, before the screening module 302 screens the information set of loan products to be selected from the preset information set of display loan products according to the preset first product screening rule and the loan request information, the apparatus further includes:
an obtaining module 305, configured to obtain tax blacklist information; the tax blacklist information comprises user identification information;
the judging module 306 is configured to judge whether the loan request information matches the tax blacklist information, so as to obtain a second judgment result;
and a triggering execution module 307, configured to trigger execution to screen 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 the loan request information when the second determination result is negative.
Therefore, the data processing device for loan product matching described in fig. 4 can primarily screen loan request information through tax blacklist information, is more favorable for improving the information transparency between loan products and user treats, simplifies loan application data processing procedures, improves product and demand matching processing efficiency, and further improves marketing success rate of loan products.
Example four
Referring to fig. 5, fig. 5 is a schematic structural diagram of another data processing apparatus for loan product matching according to an embodiment of the disclosure. 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 management of loan product matching, and the embodiments of the present invention are not limited thereto. As shown in fig. 5, the apparatus may include:
a memory 401 storing executable program code;
a processor 402 coupled with the memory 401;
the processor 402 calls the executable program code stored in the memory 401 for performing the steps in the data processing method for loan product matching described in the first or second embodiment.
EXAMPLE five
The embodiment of the 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 steps in the data processing method for loan product matching described in the first embodiment or the second embodiment.
Example six
An embodiment of the invention discloses a computer program product, which comprises a non-transitory computer readable storage medium storing a computer program, and the computer program is operable to cause a computer to execute the steps in the data processing method for loan product matching described in the first or second embodiment.
The above-described embodiments of the apparatus are merely illustrative, and the modules described as separate parts may or may not be physically separate, and the parts displayed as modules may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above detailed description of the embodiments, those skilled in the art will clearly understand that the embodiments may be implemented by software plus a necessary general hardware platform, and may also be implemented by hardware. Based on such understanding, the above technical solutions may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, where the storage medium includes a Read-Only Memory (ROM), a Random Access Memory (RAM), a Programmable Read-Only Memory (PROM), an Erasable Programmable Read-Only Memory (EPROM), a One-time Programmable Read-Only Memory (OTPROM), an Electrically Erasable Programmable Read-Only Memory (EEPROM), a Compact Disc-Read-Only Memory (CD-ROM), or other disk memories, CD-ROMs, or other magnetic disks, A tape memory, or any other medium readable by a computer that can be used to carry or store data.
Finally, it should be noted that: the data processing method and apparatus for loan product matching disclosed in the embodiments of the present invention are only preferred embodiments of the present invention, which are only used for illustrating the technical solutions of the present invention and are not limited thereto; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those skilled in the art; the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the spirit and scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. A data processing method for loan product matching, the method comprising:
detecting whether loan request information is received or not to obtain a detection result; the loan request information is triggered by the user through the intelligent terminal;
when the detection result is yes, 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 the loan request information; the information set of the to-be-selected loan products comprises L pieces of information of the to-be-selected loan products; l is a positive integer greater than or equal to 2; the first product screening rule is associated with tax data information of the user; the display loan product information set comprises a plurality of pieces of display loan product 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 audit of the loan product by the third party platform.
2. The data processing method for loan product matching according to claim 1, wherein the screening of the information set of loan products to be selected from the information set of loan products for display according to the preset first product screening rules and the loan request information comprises:
determining the tax data information according to the loan request information;
determining a set of tax information to be used according to the tax data information; the standby tax information set comprises the M standby tax information; m is a positive integer greater than or equal to L;
and screening a preset display loan product information set by using the to-be-used tax information set to obtain a to-be-selected loan product information set.
3. The data processing method for loan product matching according to claim 2, wherein the determining a set of pending tax information comprises:
for any one piece of the information of the displayed loan products, determining product evaluation information corresponding to the information of the displayed loan products;
and traversing the tax data information by using the product evaluation information to obtain standby tax information corresponding to the information of the displayed loan product.
4. The data processing method for loan product matching according to claim 2, wherein the screening a preset display loan product information set by using the to-be-used tax information set to obtain a to-be-selected loan product information set comprises:
for any one piece of displayed loan product information, judging whether the to-be-used tax information corresponding to the displayed loan product information meets the product evaluation information corresponding to the displayed loan product information or not to obtain a first judgment result;
and when the judgment result is yes, determining the information of the displayed loan product as the information of the loan product to be selected.
5. The data processing method for loan product matching according to claim 1, wherein the calculating of the product matching score information from the set of information on loan products to be selected comprises:
processing the information set of the loan products to be selected by using a preset weight determination model to determine a tax weight coefficient information set; the tax weight coefficient information set comprises a plurality of tax weight coefficient information; the tax weight coefficient information comprises a plurality of tax weight coefficients; the tax weight coefficient is associated with the third party platform;
and calculating 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 the determining an adapted loan product information set according to the product matching score information comprises:
obtaining scoring threshold information;
and judging and analyzing the grading threshold information and the product matching grading information to obtain an adaptive loan product information set.
7. The data processing method for loan product matching according to claim 1, wherein before the screening of the information set of loan products to be selected from the information set of loan products for display in accordance with the preset first product screening rules and the loan request information, the method further comprises:
acquiring tax blacklist information; the tax blacklist information comprises user identification information;
judging whether the loan request information is matched with the tax blacklist information or not to obtain a second judgment result;
and when the second judgment result is negative, triggering and executing the loan request information according to a preset first product screening rule, and screening a loan product information set to be selected from a preset display loan product information set.
8. A data processing apparatus for loan product matching, the apparatus comprising:
the detection module is used for detecting whether loan request information is received or not to obtain a detection result; the loan request information is triggered by the user through the intelligent terminal;
the screening module is used for screening a to-be-selected loan product information set from a preset display loan product information set according to a preset first product screening rule and the loan request information when the detection result is yes; the information set of the to-be-selected loan products comprises L pieces of information of the to-be-selected loan products; l is a positive integer greater than or equal to 2; the first product screening rule is associated with tax data information of the user; the display loan product information set comprises a plurality of pieces of display loan product information;
the calculation module is used for calculating product matching scoring information according to the information set of the loan products to be selected;
the determining module is used for 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 audit of the loan product by the third party platform.
9. A data processing apparatus for loan product matching, the apparatus comprising:
a memory storing executable program code;
a processor coupled with the memory;
the processor calls the executable program code stored in the memory to execute the data processing method for loan product matching according to any of claims 1-7.
10. A computer-storable medium that stores computer instructions that, when invoked, perform a data processing method for loan product matching according to any one of claims 1-7.
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