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1. (WO2018081965) METHOD AND APPARATUS FOR SORTING ONLINE LOAN INVESTMENT USERS

Pub. No.:    WO/2018/081965    International Application No.:    PCT/CN2016/104396
Publication Date: Sat May 12 01:59:59 CEST 2018 International Filing Date: Thu Nov 03 00:59:59 CET 2016
IPC: G06Q 40/06
Applicants: SHENZHEN TOUZHIJIA FINANCIAL INFORMATION SERVICES CO., LTD
深圳投之家金融信息服务有限公司
Inventors: HUANG, Shiqiao
黄诗樵
Title: METHOD AND APPARATUS FOR SORTING ONLINE LOAN INVESTMENT USERS
Abstract:
The present invention provides a method and apparatus for sorting online loan investment users, relating to the technical field of online lending. The method comprises: obtaining behavior data of users engaging in financial loans; analyzing said behavior data according to the three dimensions of investment capability, investment intention, and investment activity, and obtaining three corresponding indicators; evaluating the users and assigning separate numerical scores to each user according to the investment capability indicator, investment intention indicator, and investment activity indicator; processing in an integrated manner the three dimensional scores of the users obtained by means of evaluation and scoring, and obtaining a list of users sorted by worth. In the method for sorting online loan investment users provided by the present invention, the worths of users among an enormous quantity of users are rapidly and effectively sorted and effective information of users is obtained in a timely manner; other high-value services are pushed in parallel to high-value users, improving system operating efficiency.