Credit Risk Control
First Claim
1. A method of credit risk control, the method comprising:
- providing a correspondence relationship between user information and risk levels;
obtaining the user information of a user;
classifying the user to one of a plurality of user types based on the user information and the correspondence relationship between the user information and risk levels;
selecting an incentive mechanism from a plurality of incentive mechanisms for risk control based on the user type, the plurality of incentive mechanisms including a positive incentive mechanism and a negative incentive mechanism; and
performing the selected incentive mechanism over a network.
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Accused Products
Abstract
A method and a system of credit risk control use different incentive mechanisms for different type of users for post-loan credit risk control. The method classifies the user to one of several different user types based on the user information and a correspondence relationship between the user information and risk levels, and selects an appropriate incentive mechanism for risk control based on the user type. The incentive mechanisms may either be a positive incentive mechanism or a negative incentive mechanism depending on the user type. The incentive mechanisms are performed over a network, and are designed to encourage a user of good loan payment record but to discourage a user of bad loan payment record. The method and the system are particularly suited for risk control of repayment of various kinds of loans which are applied and disbursed over the Internet.
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Citations
15 Claims
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1. A method of credit risk control, the method comprising:
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providing a correspondence relationship between user information and risk levels; obtaining the user information of a user; classifying the user to one of a plurality of user types based on the user information and the correspondence relationship between the user information and risk levels; selecting an incentive mechanism from a plurality of incentive mechanisms for risk control based on the user type, the plurality of incentive mechanisms including a positive incentive mechanism and a negative incentive mechanism; and performing the selected incentive mechanism over a network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system of credit risk control, the system comprising a computer having a computer processor and a data storage, the computer processor being programmed to perform the following:
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providing a correspondence relationship between user information and risk levels; obtaining the user information of a user; classifying the user to one of a plurality of user types based on the user information and the correspondence relationship between the user information and risk levels; selecting an incentive mechanism from a plurality of incentive mechanisms for risk control based on the user type, the plurality of incentive mechanisms including a positive incentive mechanism and a negative incentive mechanism; and performing the selected incentive mechanism over a network. - View Dependent Claims (14, 15)
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Specification