CN106600400A - Loan transaction processing method, device, and system - Google Patents
Loan transaction processing method, device, and system Download PDFInfo
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- CN106600400A CN106600400A CN201611107061.3A CN201611107061A CN106600400A CN 106600400 A CN106600400 A CN 106600400A CN 201611107061 A CN201611107061 A CN 201611107061A CN 106600400 A CN106600400 A CN 106600400A
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- Prior art keywords
- loan
- terminal
- backstage
- request
- loans
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention discloses a loan transaction processing method, which comprises the following steps: enabling a service background to extract user information data from a loan request when receiving the loan request sent by a terminal; uploading the user information data to a loan management background in order that the loan management background carries out credit investigation on the user information data and feeds back a check result; when the check result is received and indicates that the user information data passes the investigation, notifying the terminal of the check result and sending an electronic contract to the terminal in order that the terminal feeds back the signed electronic contract; and when the fed back electronic contract is received, sending the loan request to the loan management background for the loan management background to make a loan. The invention also discloses a loan transaction processing device and system. The loan transaction processing method makes a loan application process more convenient and saves time consumed by the loan by means of the convenient advantages of the Internet platform.
Description
Technical field
The present invention relates to financial debt-credit field, more particularly to a kind of loan transaction processing method, apparatus and system.
Background technology
Traditional loan pattern is application, the granting of loan from loan, is managed in loan, and the stage such as post-loan management is to loan
Life cycle is managed.
In the loan stage, need applicant first prepare identity document, borrower's repaying ability prove, guaranty or collateral security
Right inventory, ownership documentary evidence, there is the documentary evidence such as the agreement mortgage that right to punish people provides or the proof pledged, and then again will
Documentary evidence and application materials submit to bank, wait bank to carry out complicated and very long examination and approval procedures, along with traditional bank
Can not real-time response for the loan application that client submits to, it usually needs wait until the working time, client could normally enjoy loan
Money is serviced, therefore, the application process under these loaded down with trivial details lines, the cycle for causing credit society to spend is very long, causes to client
Inconvenience.
The content of the invention
Present invention is primarily targeted at proposing a kind of loan transaction processing method, apparatus and system, it is intended to solve existing
Loan transaction processing mode, the operating process of loan is relatively complicated, and the technology for causing the cycle that credit society spends very long is asked
Topic.
For achieving the above object, a kind of loan transaction processing method that the present invention is provided, is applied to service background, the loan
Money method for processing business includes：
Service background extracts user profile money when the loan requests of terminal transmission are received from the loan requests
Material；
The user information data extracted is uploaded to into loan administration backstage, so that the loan administration backstage is to described
User information data carries out reference examination ＆ verification, and feeds back auditing result；
When the auditing result for receiving the loan administration backstage feedback, and the auditing result pass through for examination ＆ verification, will
The auditing result notified to the terminal, and issues electronic contract to the terminal, for the terminal feedback it is signed
Electronic contract；
When the electronic contract of the terminal feedback is received, transmission is made loans and is asked to the loan administration backstage, for
The loan administration backstage performs operation of making loans.
Preferably, described when the electronic contract of the terminal feedback is received, transmission makes loans request to the loan pipe
Reason backstage, includes so that the loan administration backstage performs the step of making loans operation：
When the electronic contract of the terminal feedback is received, transmission is made loans and is asked to the loan administration backstage, for
Sequence information is set up on the loan administration backstage；
The transfer for carrying out loan product mortgage confirm when, transmission makes loans confirmation request to the loan administration backstage, with
Make loans to settlement accounts to complete operation of making loans for the loan administration backstage.
Preferably, in the auditing result for receiving the loan administration backstage feedback, and the auditing result is logical for examination ＆ verification
It is out-of-date, the auditing result is notified into that to after the step of the terminal loan transaction processing method includes：
If detecting the terminal performs first brush operation, the service background records first brush managing detailed catalogue；
The described first brush managing detailed catalogue of record is uploaded to into the loan administration backstage, so that the loan administration backstage will
The incoming third party's account of the corresponding down payment information of the first brush managing detailed catalogue, and it is detailed to set up account.
Preferably, described when the electronic contract of the terminal feedback is received, transmission makes loans request to the loan pipe
Reason backstage, so that the loan administration backstage is performed after operating procedure of making loans, the loan transaction processing method also includes：
When closing request in advance of the terminal transmission is being received, the service background is closed described in advance in request
Reach the loan administration backstage, for the loan administration backstage according to close in advance request and corresponding sequence information,
Operation is closed in execution.
Additionally, for achieving the above object, the present invention also proposes a kind of loan transaction processing meanss, is applied to service background,
The loan transaction processing meanss include：
Extraction module, for when the loan requests of terminal transmission are received, from the loan requests user being extracted
Information material；
Upper transmission module, for the user information data extracted to be uploaded to into loan administration backstage, for the loan
Management backstage carries out reference examination ＆ verification to the user information data, and feeds back auditing result；
Notification module, for being in the auditing result for receiving the loan administration backstage feedback, and the auditing result
When examination ＆ verification passes through, the auditing result is notified to the terminal, and issue electronic contract to the terminal, for the terminal
Feed back signed electronic contract；
Sending module, for when the electronic contract of the terminal feedback is received, transmission to make loans request to the loan
Management backstage, so that the loan administration backstage performs operation of making loans.
Preferably, the sending module includes：
First transmitting element, for when the electronic contract of the terminal feedback is received, transmission makes loans request to described
Loan administration backstage, so that sequence information is set up on the loan administration backstage；
Second transmitting element, when confirming for mortgaging in the transfer for carrying out loan product, transmission makes loans confirmation request to institute
Loan administration backstage is stated, so that the loan administration backstage is made loans to settlement accounts to complete operation of making loans.
Preferably, the loan transaction processing meanss also include：
Logging modle, if performing first brush operation, the first brush managing detailed catalogue of record for detecting the terminal；
The upper transmission module, is additionally operable to for the described first brush managing detailed catalogue of record to be uploaded to the loan administration backstage, with
For the loan administration backstage by the incoming third party's account of the corresponding down payment information of the first brush managing detailed catalogue, and it is bright to set up account
Carefully.
Preferably, the upper transmission module, is additionally operable to receiving when closing request in advance of the terminal transmission, will be described
Close request in advance and be uploaded to the loan administration backstage, for the loan administration backstage according to close in advance request and it is right
Operation is closed in the sequence information answered, execution.
Additionally, for achieving the above object, the present invention also proposes a kind of loan transaction processing system, and the loan transaction is processed
System includes：Terminal, service background and loan administration backstage, service background loan transaction as described above processes dress
Put, the loan administration backstage includes：
Auditing module, for receiving the user profile money that service background is uploaded based on the loan requests of terminal triggering
During material, reference examination ＆ verification is carried out to the user information data based on the big data in data base, and by the user information data
Carry out electronics and deposit card；
Feedback module, for when auditing result passes through for examination ＆ verification, carrying out account-opening, and the auditing result is fed back
To the service background, so that the service background is notified to the terminal；
Processing module, for receiving the service background based on putting that the electronic contract of the terminal feedback is sent
When money is asked, operation of making loans is performed.
Preferably, the processing module includes：
Processing unit, for receive that the service background sends make loans request when, set up based on the request of making loans
Sequence information and guarantee fund's machine account, and deposit card to applying for that the behavior of making loans carries out electronics；
Make loans unit, for receiving the confirmation request of making loans that the service background confirms to send based on transfer mortgage
When, make loans to settlement accounts to complete operation of making loans.
Preferably, the processing module, is additionally operable to receiving the service background based on the first brush behaviour of terminal execution
During the first brush managing detailed catalogue that work is uploaded, by the incoming third party's account of the corresponding down payment information of the first brush managing detailed catalogue, and build
Vertical account is detailed.
Preferably, the processing module, is additionally operable to receiving when closing request in advance of the service background upload, looks into
Corresponding sequence information is ask, and asks determination to close type in advance based on described closing in advance；
The processing module, is additionally operable to, according to type is closed in advance, change the sequence information for inquiring, and behaviour is closed in execution
Make.
Loan transaction processing method proposed by the present invention, apparatus and system, service background is receiving the loan of terminal transmission
When money is asked, first user information data is extracted from the loan requests, in the user information data that then will be extracted
Loan administration backstage is reached, so that the loan administration backstage carries out reference examination ＆ verification to the user information data, and feeds back careful
Core result, when the auditing result for receiving the loan administration backstage feedback, and the auditing result pass through for examination ＆ verification, by institute
State auditing result to notify to the terminal, and issue electronic contract to the terminal, for the signed electricity of the terminal feedback
Sub- contract, when the electronic contract of the terminal feedback is received, transmission makes loans request to the loan administration backstage, for institute
State loan administration backstage and perform operation of making loans.This programme using internet platform convenient advantage so that loan application flow process compared with
For convenient, user can enjoy financial service with unlimited time and place, improve the convenience of loan transaction process, save
The time that loan application is spent.
Description of the drawings
Fig. 1 is the schematic flow sheet of loan transaction processing method first embodiment of the present invention；
Fig. 2 is the refinement schematic flow sheet of step S40 in Fig. 1；
Fig. 3 is the schematic flow sheet of loan transaction processing method 3rd embodiment of the present invention；
Fig. 4 is the high-level schematic functional block diagram of loan transaction processing meanss first embodiment of the present invention；
Fig. 5 is the refinement high-level schematic functional block diagram of sending module 40 in Fig. 4；
Fig. 6 is the high-level schematic functional block diagram of loan transaction processing system first embodiment of the present invention；
Fig. 7 is the refinement high-level schematic functional block diagram of processing module 70 in Fig. 6.
The realization of the object of the invention, functional characteristics and advantage will be described further referring to the drawings in conjunction with the embodiments.
Specific embodiment
It should be appreciated that specific embodiment described herein is not intended to limit the present invention only to explain the present invention.
The solution of the embodiment of the present invention is mainly：Service background is first when the loan requests of terminal transmission are received
User information data is extracted from the loan requests, then the user information data extracted loan administration is uploaded to into
Backstage, so that the loan administration backstage carries out reference examination ＆ verification to the user information data, and feeds back auditing result, is receiving
When passing through for examination ＆ verification to the auditing result of loan administration backstage feedback, and the auditing result, the auditing result is led to
Know to the terminal, and issue electronic contract to the terminal, for the signed electronic contract of the terminal feedback, receiving
To the terminal feedback electronic contract when, transmission make loans request to the loan administration backstage, after the loan administration
Platform performs operation of making loans, and to solve existing loan transaction processing mode, the operating process of loan application is relatively complicated under line, leads
Cause the problem that the cycle that credit society spends is very long.
It is appreciated that traditional personal loan business, such as loan for vehicle business, flow process is loaded down with trivial details, and requisition cycle is very long, in addition
The service theory of traditional bank is not in place, thinks little of the problems such as the experience of client.
For the granting of loan, user issuing bank card account is needed, by loan origination to bank card account.In loan
It is more to rely under bank line investigate the behavior of client and analyzed to manage with the management after loan, so virtually
Increased cost of the bank to loan administration.
Also, traditional whole car borrow the management of the life cycle of product depend primarily on it is more artificially to order
Management, sets up in customer information archives, loan before loan and customer profile is filed and is arranged after renewal customer information, loan.So
Order life-cycle way to manage not only take time and effort but also be unfavorable for managing and update.
Based on the problems referred to above, the present invention provides a kind of loan transaction processing method, is applied to service background.
With reference to Fig. 1, Fig. 1 is the schematic flow sheet of loan transaction processing method first embodiment of the present invention.
In the present embodiment, the loan transaction processing method includes：
Step S10, service background extracts use when the loan requests of terminal transmission are received from the loan requests
Family information material；
In the present embodiment, before step S10, need first by user the default APP of terminal (Application,
Application program) in triggering loan requests, the triggering mode of user's loan requests is：User is input in the information input interface of APP
User information data, when user information data input is completed, triggers loan requests.After triggering loan requests, the end
End sends the loan requests to service background.
In the present embodiment, the user information data includes：Subscriber identity information, loan product information and bank card letter
Breath, that is to say, that when carrying out loan application, without a lot of testimonial materials are prepared, as long as having subscriber identity information, loan product
Information and bank card information can carry out loan application, improve the motility of loan application.In the present embodiment, the loan is produced
Product are preferably described in detail by taking vehicle as an example, therefore, the loan product information is exactly information of vehicles.
Step S20, is uploaded to loan administration backstage, after the loan administration by the user information data extracted
Platform carries out reference examination ＆ verification to the user information data, and feeds back auditing result；
When the service background receives the loan requests of terminal transmission, user's letter is extracted from the loan requests
Breath data, is then uploaded to loan administration backstage, for the loan administration backstage pair by the user information data extracted
The user information data is audited, and feeds back auditing result.
The loan administration backstage first carries out electronics and deposits card when user information data is received to user information data,
Then user information data audited again, specific examination ＆ verification mode includes：Based on the big data in data base to the use
Family information material carries out reference examination ＆ verification.After to user information data examination ＆ verification, auditing result is fed back to into the service
Backstage.
Step S30, when the auditing result of the loan administration backstage feedback is received, and the auditing result is examination ＆ verification
By when, the auditing result is notified to the terminal, and issue electronic contract to the terminal, for the terminal feedback
Signed electronic contract；
When the service background receives the auditing result of the loan administration backstage feedback, the auditing result is led to
Know to the terminal, the loan application auditing result current to inform user.Wherein, the auditing result pass through including examination ＆ verification,
Examination ＆ verification does not pass through two kinds.It should be appreciated that when the auditing result passes through for examination ＆ verification, the loan administration backstage can be also application
The user of loan performs account-opening.In the present embodiment, when the auditing result passes through for examination ＆ verification, the service background is not only
The auditing result can be notified to the terminal, electronic contract can be also issued to the terminal, so that user is according to the end
The electronic contract that termination is received carries out signature operation, after electronic contract signature is completed, what the terminal feedback user signed
Electronic contract is to the service background.
Step S40, when the electronic contract of the terminal feedback is received, transmission makes loans request to the loan administration
Platform, so that the loan administration backstage performs operation of making loans.
In the present embodiment, the service background sends when the electronic contract of the terminal feedback is received, first and makes loans
Ask to the loan administration backstage, so that the loan administration backstage performs operation of making loans.
Specifically, with reference to Fig. 2, step S40 includes：
Step S41, when the electronic contract of the terminal feedback is received, transmission makes loans request to the loan administration
Platform, so that sequence information is set up on the loan administration backstage；
Step S42, when confirmation is mortgaged in the transfer for carrying out loan product, transmission makes loans confirmation request to the loan administration
Backstage, so that the loan administration backstage is made loans to settlement accounts to complete operation of making loans.
In the present embodiment, the service background sends when the electronic contract of the terminal feedback is received, first and makes loans
Ask to the loan administration backstage, now, the loan administration backstage can set up user's sequence information of correlation, and set up guarantor
Card gold stand account, and electronics is carried out to the application behavior of making loans of user deposit card.Then the service background is carried out to loan product
Transfer mortgage confirms that after verification, the service background sends and makes loans confirmation request to the loan administration backstage, for institute
State loan administration backstage to make loans to settlement accounts to complete operation of making loans.
Further, in the present embodiment, because loan transaction process is preferably applied in auto loan, therefore, in order that
Service product can cover more user groups, and the present embodiment is preferred to provide the mortgage loan for paying half, and for reducing using
The loan portfolio mode that the mortgage of family purchase car down payment ratio is borrowed and credit is borrowed.Wherein, the mortgage loan for paying half is user's down payment
The 50% of car money, the disposable repayment of bank loans capital when afterwards loan expired certain hour in such as 2 years；Loan portfolio is in order to meet
More users purchase the demand of cars, and the down payment ratio of purchase car is adjusted to into the 30% of car loan, wherein 20% being letter in remaining car money
With loan, user is refunded by the way of repay principal by stages, is taken off this month bill day from the bank card of client automatically and need to be repaid
Capital also, remaining 50% is mortgage loan, and this part loan customer with selection by the way of repay principal by stages, or can be adopted
Expire the mode disposably returned the car so that loan selects more flexible.
It will be appreciated by persons skilled in the art that above operating process, for the consumer loan of traditional bank money is submitted to
Expect the drawbacks such as complicated, the examination ＆ approval time length of various, flow process, it is proposed that preferable solution, user only need to be in the letter of the terminal APP page
Single fills in relevant information, and follow-up process is all review operations on the line of automatization, improves the loan application operating body of user
Test, increased the viscosity of user.
The present embodiment propose loan transaction processing method, service background receive terminal transmission loan requests when,
First user information data is extracted from the loan requests, then the user information data extracted is uploaded to into loan pipe
Reason backstage, so that the loan administration backstage carries out reference examination ＆ verification to the user information data, and feeds back auditing result, is connecing
Receive the auditing result of loan administration backstage feedback, and the auditing result for examination ＆ verification when passing through, by the auditing result
Notify to the terminal, and issue electronic contract to the terminal, for the signed electronic contract of the terminal feedback, connecing
When receiving the electronic contract of the terminal feedback, transmission makes loans request to the loan administration backstage, for the loan administration
Backstage performs operation of making loans.This programme utilizes the convenient advantage of internet platform so that loan application flow process is more convenient, user
Financial service can be enjoyed with unlimited time and place, improve the convenience of loan transaction process, be saved loan application and spent
The time taken.
Further, in order to improve the motility that loan transaction is processed, loan industry of the present invention is proposed based on first embodiment
The second embodiment of business processing method.
In the present embodiment, it is described " to tie in the auditing result for receiving the loan administration backstage feedback, and the examination ＆ verification
Fruit notifies the auditing result to the terminal when passing through for examination ＆ verification " the step of after, the loan transaction processing method bag
Include：
Step A, if detecting the terminal performs first brush operation, the service background records first brush managing detailed catalogue；
Step B, is uploaded to the loan administration backstage, for the loan administration by the described first brush managing detailed catalogue of record
Backstage is by the incoming third party's account of the corresponding down payment information of the first brush managing detailed catalogue, and it is detailed to set up account.
In the present embodiment, after auditing result passes through for examination ＆ verification, if user first passes through terminal APP and enters under line first
List payment is brushed, the service background can record first brush detail, wherein, the head brushes are detailed to be brushed including user related information, head
The amount of money, the relevant information of first brush vehicle, loan relevant information etc..Then, the service background is by the first brush detail for recording
Reach the loan administration backstage, for the loan administration backstage the corresponding down payment information of the first brush managing detailed catalogue is incoming
Third party's account, and it is detailed to set up account.
Further, in order to improve the motility that loan transaction is processed, based on first or second embodiments the present invention is proposed
The 3rd embodiment of loan transaction processing method.
In the present embodiment, with reference to Fig. 3, after step S40, the loan transaction processing method also includes：
Step S50, is receiving when closing request in advance of the terminal transmission, and the service background is tied described in advance
Clear request is uploaded to the loan administration backstage, so that the loan administration backstage is asked and corresponding ordered according to closing in advance
Operation is closed in single information, execution.
That is, the service background receive terminal APP transmission close in advance request after, will close in advance
Request is uploaded to the loan administration backstage, the loan administration backstage receive close request in advance when, first inquire about user
Order status, then according to user submit to concrete scene the life cycle of order is managed.Wherein close in advance
Scene includes：Do not make loans move back car, transfer unsuccessfully move back car, move back in 15 days car, return the car in advance/refund, user's promise breaking is forced to tie in advance
It is clear etc..For different business scenarios, user's order status information is changed on the loan administration backstage, and by depositing core
Fund is transferred, to perform operation is closed.
In the present invention, there is provided the loan for vehicle solution of B2C (Business-to-Customer, business is to visitor).But
Might not be confined in the pattern of B2C for car borrows product, for other loan for vehicle patterns, we can also carry
For on line with the wholesale installment credit pattern that combines under line, carry out loan operation.
To be best understood from the present invention, citing application scenarios are as follows：
The loan application stage：This programme selects loan product, loan administration backstage to carry according to user by terminal APP first
The personal information of friendship carries out reference examination ＆ verification with reference to big data information to the application qualification of user, and the user by auditing is opened
Family.
Make loans the stage：Car POS (point of sale, point-of-sale terminal) is selected to pay first under user's line, user submits Shen of making loans to
Please after, loan administration backstage implement make loans.Electronics purchase car contract, tripartite agreement, financing are completed under simultaneously online for user to rent
Rent the formalities such as Contract Signing.
Stage after loan：The user behavior provided by big data on line and terminal APP is entered to the behavior of lending of user
Row management and monitoring.For the management after loan is moved back car, transfers ownership and unsuccessfully move back car, carry for user in not making loans of submitting of terminal APP
Before return the car, the scene such as payment beforehand carries out different loan post processings.
The present invention is combined by proposing the convenient advantage with reference to internet platform by purchasing to be provided a loan on car and line under line,
Provide the user more convenient more efficient car and borrow service；Specific advantage of the invention is embodied in the following aspects：
The convenient advantage of internet platform is taken full advantage of, for the financial service that client provides 7x24, client can not limit
In the time, place is not limited to, chooses under line and just can enjoy in real time after vehicle financial service；
The whole-process management of online and offline combination is carried out to order life-cycle of providing a loan, is operated under line, number is collected on line
According to provide a loan order status be managed；
The mortgage loan of product is borrowed based on car and mortgage borrows credit and borrows loan portfolio pattern；
Full-range management is carried out in management to life cycle of providing a loan, is up to loan end from client's application submission beginning
Only.
The present invention further provides a kind of loan transaction processing meanss, are applied to service background.
With reference to Fig. 4, Fig. 4 is the high-level schematic functional block diagram of loan transaction processing meanss first embodiment of the present invention.
It is emphasized that it will be apparent to those skilled in the art that functional block diagram shown in Fig. 4 is only one preferably real
The exemplary plot of example is applied, those skilled in the art can enter easily around the functional module of the loan transaction processing meanss shown in Fig. 4
The supplement of the new functional module of row；The title of each functional module is self-defined title, is only used for auxiliary and understands at the loan transaction
Each program function block of reason device, is not used in restriction technical scheme, and the core of technical solution of the present invention is, each
Define the function to be reached of functional module of title.
In the present embodiment, the loan transaction processing meanss include：
Extraction module 10, for when the loan requests of terminal transmission are received, from the loan requests use being extracted
Family information material；
In the present embodiment, the extraction module 10 is extracted before user information data from the loan requests, is needed
First loan requests are triggered in the default APP of terminal by user, the triggering mode of user's loan requests is：User is APP's
Information input interface is input into user information data, when user information data input is completed, triggers loan requests.In triggering loan
After request, the terminal sends the loan requests to service background.
In the present embodiment, the user information data includes：Subscriber identity information, loan product information and bank card letter
Breath, that is to say, that when carrying out loan application, without a lot of testimonial materials are prepared, as long as having subscriber identity information, loan product
Information and bank card information can carry out loan application, improve the motility of loan application.In the present embodiment, the loan is produced
Product are preferably described in detail by taking vehicle as an example, therefore, the loan product information is exactly information of vehicles.
Upper transmission module 20, for the user information data extracted to be uploaded to into loan administration backstage, for the loan
Money management backstage carries out reference examination ＆ verification to the user information data, and feeds back auditing result；
When the loan requests of terminal transmission are received, extraction module 10 extracts user profile from the loan requests
Data, then goes up transmission module 20 and the user information data extracted is uploaded to into loan administration backstage, for the loan pipe
Reason backstage is audited to the user information data, and feeds back auditing result.
The loan administration backstage first carries out electronics and deposits card when user information data is received to user information data,
Then user information data audited again, specific examination ＆ verification mode includes：Based on the big data in data base to the use
Family information material carries out reference examination ＆ verification.After to user information data examination ＆ verification, auditing result is fed back to into the service
Backstage.
Notification module 30, for receiving the auditing result that the loan administration backstage is fed back, and the auditing result
When passing through for examination ＆ verification, the auditing result is notified to the terminal, and issue electronic contract to the terminal, for the end
The signed electronic contract of end feedback；
When the auditing result of the loan administration backstage feedback is received, notification module 30 notifies the auditing result
To the terminal, the loan application auditing result current to inform user.Wherein, the auditing result passes through including examination ＆ verification, examines
Core does not pass through two kinds.It should be appreciated that when the auditing result passes through for examination ＆ verification, the loan administration backstage can also borrow for application
The user of money performs account-opening.In the present embodiment, when the auditing result passes through for examination ＆ verification, the notification module 30 is not only
The auditing result can be notified to the terminal, electronic contract can be also issued to the terminal, so that user is according to the end
The electronic contract that termination is received carries out signature operation, after electronic contract signature is completed, what the terminal feedback user signed
Electronic contract is to the service background.
Sending module 40, for when the electronic contract of the terminal feedback is received, transmission to make loans request to the loan
Money management backstage, so that the loan administration backstage performs operation of making loans.
In the present embodiment, when the electronic contract of the terminal feedback is received, sending module 40 first sends to make loans and asks
Ask to the loan administration backstage, so that the loan administration backstage performs operation of making loans.
Specifically, with reference to Fig. 5, the sending module 40 includes：
First transmitting element 41, for when the electronic contract of the terminal feedback is received, transmission to make loans request to institute
Loan administration backstage is stated, so that sequence information is set up on the loan administration backstage；
Second transmitting element 42, when confirming for mortgaging in the transfer for carrying out loan product, transmission makes loans confirmation request extremely
The loan administration backstage, so that the loan administration backstage is made loans to settlement accounts to complete operation of making loans.
In the present embodiment, when the electronic contract of the terminal feedback is received, the first transmitting element 41 first sends and puts
Money is asked to the loan administration backstage, and now, the loan administration backstage can set up user's sequence information of correlation, and set up
Guarantee fund's machine account, and electronics is carried out to the application behavior of making loans of user deposit card.Then the service background is entered to loan product
Row transfer mortgage confirms that after verification, the second transmitting element 42 sends confirmation request of making loans to the loan administration backstage, with
Make loans to settlement accounts to complete operation of making loans for the loan administration backstage.
Further, in the present embodiment, because loan transaction process is preferably applied in auto loan, therefore, in order that
Service product can cover more user groups, and the present embodiment is preferred to provide the mortgage loan for paying half, and for reducing using
The loan portfolio mode that the mortgage of family purchase car down payment ratio is borrowed and credit is borrowed.Wherein, the mortgage loan for paying half is user's down payment
The 50% of car money, the disposable repayment of bank loans capital when afterwards loan expired certain hour in such as 2 years；Loan portfolio is in order to meet
More users purchase the demand of cars, and the down payment ratio of purchase car is adjusted to into the 30% of car loan, wherein 20% being letter in remaining car money
With loan, user is refunded by the way of repay principal by stages, is taken off this month bill day from the bank card of client automatically and need to be repaid
Capital also, remaining 50% is mortgage loan, and this part loan customer with selection by the way of repay principal by stages, or can be adopted
Expire the mode disposably returned the car so that loan selects more flexible.
It will be appreciated by persons skilled in the art that above operating process, for the consumer loan of traditional bank money is submitted to
Expect the drawbacks such as complicated, the examination ＆ approval time length of various, flow process, it is proposed that preferable solution, user only need to be in the letter of the terminal APP page
Single fills in relevant information, and follow-up process is all review operations on the line of automatization, improves the loan application operating body of user
Test, increased the viscosity of user.
The present embodiment propose loan transaction processing meanss, service background receive terminal transmission loan requests when,
First user information data is extracted from the loan requests, then the user information data extracted is uploaded to into loan pipe
Reason backstage, so that the loan administration backstage carries out reference examination ＆ verification to the user information data, and feeds back auditing result, is connecing
Receive the auditing result of loan administration backstage feedback, and the auditing result for examination ＆ verification when passing through, by the auditing result
Notify to the terminal, and issue electronic contract to the terminal, for the signed electronic contract of the terminal feedback, connecing
When receiving the electronic contract of the terminal feedback, transmission makes loans request to the loan administration backstage, for the loan administration
Backstage performs operation of making loans.This programme utilizes the convenient advantage of internet platform so that loan application flow process is more convenient, user
Financial service can be enjoyed with unlimited time and place, improve the convenience of loan transaction process, be saved loan application and spent
The time taken.
Further, in order to improve the motility that loan transaction is processed, loan industry of the present invention is proposed based on first embodiment
The second embodiment of business processing meanss.
In the present embodiment, the loan transaction processing meanss also include logging modle：
The logging modle, if performing first brush operation, the first brush managing detailed catalogue of record for detecting the terminal；
The upper transmission module 20, is additionally operable to for the described first brush managing detailed catalogue of record to be uploaded to the loan administration backstage,
So that the loan administration backstage is by the incoming third party's account of the corresponding down payment information of the first brush managing detailed catalogue, and set up account
It is detailed.
In the present embodiment, after auditing result passes through for examination ＆ verification, if user first passes through terminal APP and enters under line first
The single payment of brush, it is detailed that logging modle can record first brush, wherein, the first brush it is detailed including user related information, the amount of money of first brush,
Relevant information, loan relevant information of first brush vehicle etc..Then, the upper transmission module 20 is uploaded to the first brush detail for recording
The loan administration backstage, so that the loan administration backstage is by the corresponding down payment information the incoming 3rd of the first brush managing detailed catalogue
Square account, and it is detailed to set up account.
Further, in order to improve the motility that loan transaction is processed, based on first or second embodiments the present invention is proposed
The 3rd embodiment of loan transaction processing meanss.
In the present embodiment, the upper transmission module 20, is additionally operable to close request in advance receive that the terminal sends
When, request is closed in advance be uploaded to the loan administration backstage, by described so that the loan administration backstage is according to closing in advance
Operation is closed in request and corresponding sequence information, execution.
That is, the service background receive terminal APP transmission close in advance request after, the upload mould
Block 20 will in advance close request and be uploaded to the loan administration backstage, and the loan administration backstage close in advance request receiving
When, the order status of user are first inquired about, the concrete scene then submitted to according to user is managed to the life cycle of order.Its
In the scene closed in advance include：Do not make loans move back car, transfer unsuccessfully move back car, move back in 15 days car, return the car in advance/refund, user disobeys
About force to close in advance etc..For different business scenarios, user's order status information is changed on the loan administration backstage, and
Fund is transferred by depositing core, to perform operation is closed.
In the present invention, there is provided the loan for vehicle solution of B2C.But might not be confined to for car borrows product
In the pattern of B2C, for other loan for vehicle patterns, we can also provide on line with the wholesale installment credit that combines under line
Pattern, carries out loan operation.
The present invention further provides a kind of loan transaction processing system.
With reference to Fig. 6, Fig. 6 is the high-level schematic functional block diagram of loan transaction processing system first embodiment of the present invention.
In the present embodiment, the loan transaction processing system includes：Terminal, service background and loan administration backstage, institute
Service background loan transaction processing meanss as described above are stated, the loan administration backstage includes：
Auditing module 50, for receiving the user profile that service background is uploaded based on the loan requests of terminal triggering
During data, reference examination ＆ verification is carried out to the user information data based on the big data in data base, and the user profile is provided
Material carries out electronics and deposits card；
Feedback module 60 is for when auditing result passes through for examination ＆ verification, carrying out account-opening and the auditing result is anti-
The service background is fed to, so that the service background is notified to the terminal；
Processing module 70, for receiving what the service background was sent based on the electronic contract of the terminal feedback
Make loans request when, execution is made loans operation.
In the present embodiment, when the service background receives the loan requests of terminal transmission, from the loan requests
User information data is extracted, then the user information data extracted auditing module is uploaded to into.
When the auditing module 50 receives user information data, first electronics is carried out to user information data and deposit card, so
Afterwards the auditing module 50 carries out again reference examination ＆ verification to user information data, and specific reference examination ＆ verification mode includes：Based on data
Big data in storehouse carries out reference examination ＆ verification to the user information data.After to user information data reference examination ＆ verification,
Auditing result is fed back to the service background by feedback module 60.Wherein, the auditing result passes through including examination ＆ verification, audits and do not lead to
Cross two kinds.It should be appreciated that when the auditing result passes through for examination ＆ verification, the loan administration backstage can also be the use of application loan
Family performs account-opening.Simultaneously when auditing result passes through for examination ＆ verification, the service background meeting feedback electronic contract is to the end
End, so that user carries out signature operation according to the electronic contract that the terminal is received, when the service background receives terminal
During the electronic contract of feedback, transmission makes loans request to processing module 70.The processing module 70 is based ultimately upon making loans of receiving
Request execution is made loans operation.
Further, in order to improve the accuracy of loan, with reference to Fig. 7, the processing module 70 includes：
Processing unit 71, for receive that the service background sends make loans request when, built based on the request of making loans
Vertical sequence information and guarantee fund's machine account, and deposit card to applying for that the behavior of making loans carries out electronics；
Make loans unit 72, for receiving the confirmation request of making loans that the service background confirms to send based on transfer mortgage
When, make loans to settlement accounts to complete operation of making loans.
I.e. processing unit 71 receive that the service background sends make loans request when, set up based on the request of making loans
Sequence information and guarantee fund's machine account, and card is deposited to applying for that the behavior of making loans carries out electronics, it is easy to the concrete details of subsequent query, Ran Houfang
Money unit 72 receive the service background based on transfer mortgage confirm send make loans confirmation request when, make loans to clearing account
Family to complete operation of making loans, so as to ensure that the verity of loan.
The loan transaction processing system that the present embodiment is proposed, loan administration backstage is receiving what the service background was uploaded
During user information data, reference examination ＆ verification is carried out to the user information data based on the big data in data base, in auditing result
When passing through for examination ＆ verification, account-opening is carried out, and the auditing result is fed back to into the service background, for the service background
Notify to the terminal, receiving the request of making loans that the service background is sent based on the electronic contract of the terminal feedback
When, perform operation of making loans.The present embodiment is audited by way of the reference examination ＆ verification of big data to the loan application of user, is carried
The high accuracy of loan examination ＆ verification, and using the convenient advantage of internet platform so that loan application flow process is more convenient, saves
The time that loan application is spent is saved.
Further, in order to improve the motility that loan transaction is processed, loan industry of the present invention is proposed based on first embodiment
The second embodiment of business processing system.
The processing module 70, is additionally operable to receiving the service background based in the first brush operation institute of terminal execution
During the first brush managing detailed catalogue of biography, by the incoming third party's account of the corresponding down payment information of the first brush managing detailed catalogue, and account is set up
It is detailed.
In the present embodiment, after auditing result passes through for examination ＆ verification, if user first passes through terminal APP and enters under line first
List payment is brushed, the service background can record first brush detail, wherein, the head brushes are detailed to be brushed including user related information, head
The amount of money, the relevant information of first brush vehicle, loan relevant information etc..Then, the service background is by the first brush detail for recording
Reach the processing module 70.
The processing module 70 is receiving the service background based on the uploaded head of the first brush operation of terminal execution
When brush is detailed, by the incoming third party's account of the corresponding down payment information of the first brush managing detailed catalogue, and it is detailed to set up account.
Further, in order to improve the motility that loan transaction is processed, based on first or second embodiments the present invention is proposed
The 3rd embodiment of loan transaction processing system.
The processing module 70, is additionally operable to receiving when closing request in advance of the service background upload, and it is right to inquire about
The sequence information answered, and ask determination to close type in advance based on described closing in advance；
The processing module 70, is additionally operable to, according to type is closed in advance, change the sequence information for inquiring, and execution is closed
Operation.
That is, the service background will in advance close request and upload after request is closed in advance in the initiation of terminal APP
To the processing module 70.The processing module 70 receive close request in advance when, first inquire about user order status, so
The concrete scene submitted to according to user afterwards is managed to the life cycle of order.The scene wherein closed in advance includes：Do not put
Money move back car, transfer unsuccessfully move back car, move back in 15 days car, return the car in advance/refund, user's promise breaking is forced to close in advance etc..For not
Same business scenario, the modification user's order status information of the processing module 70, and fund is transferred by depositing core,
Operation is closed to perform.
In the present invention, there is provided the loan for vehicle solution of B2C.But might not be confined to for car borrows product
In the pattern of B2C, for other loan for vehicle patterns, we can also provide on line with the wholesale installment credit that combines under line
Pattern, carries out loan operation.
It should be noted that herein, term " including ", "comprising" or its any other variant are intended to non-row
His property is included, so that a series of process, method, article or device including key elements not only include those key elements, and
And also include other key elements being not expressly set out, or also include for this process, method, article or device institute inherently
Key element.In the absence of more restrictions, the key element for being limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
Also there is other identical element in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be mobile phone, computer takes
Business device, air-conditioner, or network equipment etc.) perform method described in each embodiment of the invention.
The preferred embodiments of the present invention are these are only, the scope of the claims of the present invention is not thereby limited, it is every using this
Equivalent structure or equivalent flow conversion that bright description and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (12)
1. a kind of loan transaction processing method, is applied to service background, it is characterised in that the loan transaction processing method bag
Include：
Service background extracts user information data when the loan requests of terminal transmission are received from the loan requests；
The user information data extracted is uploaded to into loan administration backstage, so that the loan administration backstage is to the user
Information material carries out reference examination ＆ verification, and feeds back auditing result；
When the auditing result for receiving the loan administration backstage feedback, and the auditing result pass through for examination ＆ verification, will be described
Auditing result is notified to the terminal, and issues electronic contract to the terminal, for the signed electronics of the terminal feedback
Contract；
When the electronic contract of the terminal feedback is received, transmission makes loans request to the loan administration backstage, for described
Loan administration backstage performs operation of making loans.
2. loan transaction processing method as claimed in claim 1, it is characterised in that described to receive the terminal feedback
During electronic contract, transmission makes loans request to the loan administration backstage, so that the loan administration backstage performs operation of making loans
Step includes：
When the electronic contract of the terminal feedback is received, transmission makes loans request to the loan administration backstage, for described
Sequence information is set up on loan administration backstage；
When confirmation is mortgaged in the transfer for carrying out loan product, transmission makes loans confirmation request to the loan administration backstage, for institute
State loan administration backstage to make loans to settlement accounts to complete operation of making loans.
3. loan transaction processing method as claimed in claim 1, it is characterised in that the loan administration backstage is anti-receiving
The auditing result of feedback, and the auditing result for examination ＆ verification when passing through, by the auditing result notify to the step of the terminal it
Afterwards, the loan transaction processing method includes：
If detecting the terminal performs first brush operation, the service background records first brush managing detailed catalogue；
The described first brush managing detailed catalogue of record is uploaded to into the loan administration backstage, so that the loan administration backstage will be described
The incoming third party's account of the corresponding down payment information of first brush managing detailed catalogue, and it is detailed to set up account.
4. the loan transaction processing method as described in any one of claim 1-3, it is characterised in that described to receive the end
During the electronic contract of end feedback, transmission makes loans request to the loan administration backstage, puts so that the loan administration backstage performs
After money operating procedure, the loan transaction processing method also includes：
Receiving that the terminal sends when closing request in advance, the service background is closed described in advance request and is uploaded to
The loan administration backstage, so that the loan administration backstage is according to request and corresponding sequence information is closed in advance, performs
Close operation.
5. a kind of loan transaction processing meanss, are applied to service background, it is characterised in that the loan transaction processing meanss bag
Include：
Extraction module, for when the loan requests of terminal transmission are received, from the loan requests user profile being extracted
Data；
Upper transmission module, for the user information data extracted to be uploaded to into loan administration backstage, for the loan administration
Backstage carries out reference examination ＆ verification to the user information data, and feeds back auditing result；
Notification module, for receiving the auditing result that the loan administration backstage is fed back, and the auditing result for examination ＆ verification
By when, the auditing result is notified to the terminal, and issue electronic contract to the terminal, for the terminal feedback
Signed electronic contract；
Sending module, for when the electronic contract of the terminal feedback is received, transmission to make loans request to the loan administration
Backstage, so that the loan administration backstage performs operation of making loans.
6. loan transaction processing meanss as claimed in claim 5, it is characterised in that the sending module includes：
First transmitting element, for when the electronic contract of the terminal feedback is received, transmission to make loans request to the loan
Management backstage, so that sequence information is set up on the loan administration backstage；
Second transmitting element, when confirming for mortgaging in the transfer for carrying out loan product, transmission makes loans confirmation request to the loan
Money management backstage, so that the loan administration backstage is made loans to settlement accounts to complete operation of making loans.
7. loan transaction processing meanss as claimed in claim 5, it is characterised in that the loan transaction processing meanss are also wrapped
Include：
Logging modle, if performing first brush operation, the first brush managing detailed catalogue of record for detecting the terminal；
The upper transmission module, is additionally operable to for the described first brush managing detailed catalogue of record to be uploaded to the loan administration backstage, for institute
Loan administration backstage is stated by the incoming third party's account of the corresponding down payment information of the first brush managing detailed catalogue, and it is detailed to set up account.
8. loan transaction processing meanss as described in any one of claim 5-7, it is characterised in that the upper transmission module, also use
In receiving that the terminal sends when closing request in advance, request is closed in advance be uploaded to described after the loan administration
Platform, so that operation is closed in the loan administration backstage according to request and corresponding sequence information, execution is closed in advance.
9. a kind of loan transaction processing system, it is characterised in that the loan transaction processing system includes：Terminal, service background
With loan administration backstage, loan transaction processing meanss of the service background as described in any one of claim 5 to 8, the loan
Money management backstage includes：
Auditing module, for receiving the user information data that service background is uploaded based on the loan requests of terminal triggering
When, reference examination ＆ verification is carried out to the user information data based on the big data in data base, and the user information data is entered
Row electronics deposits card；
Feedback module, for when auditing result passes through for examination ＆ verification, carrying out account-opening, and feeds back to institute by the auditing result
Service background is stated, so that the service background is notified to the terminal；
Processing module, for receive the service background based on the terminal feedback electronic contract sent make loans please
When asking, operation of making loans is performed.
10. loan transaction processing system as claimed in claim 9, it is characterised in that the processing module includes：
Processing unit, for receive that the service background sends make loans request when, order is set up based on the request of making loans
Information and guarantee fund's machine account, and deposit card to applying for that the behavior of making loans carries out electronics；
Make loans unit, for receive the service background based on transfer mortgage confirm to send make loans confirmation request when, put
Money is to settlement accounts completing operation of making loans.
11. loan transaction processing systems as claimed in claim 9, it is characterised in that the processing module, are additionally operable to receiving
When performing the first brush managing detailed catalogue that head brush operations are uploaded based on the terminal to the service background, by the first brush detail letter
The incoming third party's account of corresponding down payment information is ceased, and it is detailed to set up account.
The 12. loan transaction processing systems as described in any one of claim 9-11, it is characterised in that the processing module, also
For receiving when closing request in advance of the service background upload, corresponding sequence information is inquired about, and carried based on described
Before close request determine close type in advance；
The processing module, is additionally operable to, according to type is closed in advance, change the sequence information for inquiring, and operation is closed in execution.
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| CN201611107061.3A CN106600400A (en) | 2016-12-05 | 2016-12-05 | Loan transaction processing method, device, and system |
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|---|---|---|---|
| CN201611107061.3A CN106600400A (en) | 2016-12-05 | 2016-12-05 | Loan transaction processing method, device, and system |
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Application publication date: 20170426 |