CN108305165A - A kind of internet helps loan system and method - Google Patents
A kind of internet helps loan system and method Download PDFInfo
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- CN108305165A CN108305165A CN201810144288.8A CN201810144288A CN108305165A CN 108305165 A CN108305165 A CN 108305165A CN 201810144288 A CN201810144288 A CN 201810144288A CN 108305165 A CN108305165 A CN 108305165A
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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 kind of internets to help loan system and method, which helps loan system to be arranged in the BS systems being made of based on internet and private network server, third-party server, bank server；It includes assets adapter, automatic approval module, air control module, decision engine, financial accounting module, unified reconciliation module, post-loan management module, parametrization management module that the internet, which helps loan system,.Advantageous effect：By solving to obtain the problems such as objective difficult, risk control is insufficient, user experience is poor on line for internet lending bank, internet little Dai companies, P2P platforms, consumer finance company, Chi Pai financial institutions, open up new profit growth point for the micro- loan transaction scale of financial institution, it can be achieved that bank, Wei Dai mechanisms and small enterprise, low-income groups all-win.
Description
Technical field
The present invention relates to one kind helping loan system, it particularly relates to a kind of docking have by oneself channel and external assets channel with
The internet of internet financial institution helps loan system and method.
Background technology
As supervision direction and policy are gradually clear, internet financial industry initially enters shuffling phase, and some are new
Emerging internet finance industry situation is also taken advantage of a situation and is risen.On the one hand, the financial sub-industry long-run development phase such as bank, security, insurance, trust
To independence, mutual infrastructure services cost is very high, function homogeneity；On the other hand, it for internet financial company, seeks
Look for the cost of high quality assets very high, many transaction will still rely on docks under inefficient line.
Internet financing corporation always encounters fund and assets unmatched situation during development, even for having
For the fund platform for stablizing assets partner, it also will appear credits and cash flow time limit unmatched situation, Er Qiesuo often
There is platform to there is potential need for liquidity, a transaction platform credits can be promoted to cash as early as possible.
For the problems in the relevant technologies, currently no effective solution has been proposed.
Invention content
For above-mentioned technical problem in the related technology, the present invention proposes that a kind of internet helps loan system and method, can
Promote property match.
To realize the above-mentioned technical purpose, the technical proposal of the invention is realized in this way：
A kind of internet helps loan system, the internet that loan system is helped to be arranged by server, third-party server, bank service
In the BS systems that device is constituted based on internet and private network；The internet helps loan system to include assets adapter, examine mould automatically
Block, air control module, decision engine, financial accounting module, unified reconciliation module, post-loan management module, parametrization management module；
The assets adapter, for receiving external data, and is distributed, and financial product is corresponded to by configuring parameter；It collects
The internet loaning bill user information that certain mechanism collects is sent to certainly by loaning bill user information in the form of SDK or standard interface
Dynamic approval module；Multiple external assets channels are managed, internet is defined and helps loan system SDK data standards, and interface is visited
It asks in the form of message and defers to signature specification；
The automatic approval module, for receiving the matched data of assets adapter, and certainly according to the flow of flow engine configuration
The dynamic examination ＆ approval for completing to receive data；Automatic trial module receives the matched data of assets adapter and forms list, and list preserves
The business datum that the screening of assets adapter is submitted；Automatically approval module configuration service accepts, automatic pre- examination ＆ approval, instead cheats, is artificial
Audit, electric core, loan origination procedure links, form data will complete automatic examination ＆ approval according to the flow, wherein can be automatic
It examines for pre- batch and calls air control module with anti-fraud link；
The air control module utilizes risk assessment for receiving the data and obtain third party's data that automatic approval module is sent
Model quantization setting scoring criterion obtains the Default Probability of loan user, and formulates different credit rules according to scoring height
With collection strategy；
The decision engine, Default Probability, air control scoring for receiving the output of air control model, and made based on application form data
Decision judges that judging result, as a result, if automatic approval results are to pass through, will send data to wealth as examining automatically
Module is calculated in business；
The financial accounting module, for receive automatic examination ＆ approval and by decision engine by data, utilize the data of reception
And according to accounting criteria parameter computational costs, interest, generation repayment schedule, corresponding account information is generated using subject, is carried out
Calculating including expense, interest, default interest, expense；
The unified reconciliation module, the data for being generated based on financial accounting module carry out the analysis of different dimensions, including platform
Account report, data statistics of refunding, data statistics of making loans, overdue data statistics, transaction flow water meter；
The post-loan management module carries out overdue data for calculating more newly generated data daily according to financial accounting system
Collection management, collection management are divided into the importing of case, and the distribution of case is completed by artificial/machine；In different times to collection
Data set carries out various dimensions statistics, generates calling list in detail, details of recording and collection daily record；
The parametrization management module is the set of one or more groups of subfunction parameters, the parameter configuration being based on the products dimension, packet
Include product version, the loan types of product, the loan subtype of product, the cooperative institution of product, control of product amount of money section, profit
During rate, during the means of payment, mode of making loans, product, the corresponding business rule of product, association flow rules, are closed at air control rule
Join material rule, printing contract template, accounting criteria, electricity and adjusts rule, the corresponding expense class of the corresponding channel range of product, product
Type, expense calculating, self-defined mode of repayment；For providing life cycle pipe for the object including client, product, partner
It manages, the core business service of customer basis information inquiry, supports product parametersization configuration, adapt to various scene services processing.
Further, the loaning bill user information includes and is not limited to：Channel number, borrower's name, borrower's mobile phone
Number, borrower's ID card No., borrower bank card number, borrowing balance, borrowing rate, mode of repayment, the time limit, loaning bill product,
The intended use of the loan.
Further, list preserves the business datum that the screening of assets adapter is submitted and includes but be not limited to：Token id,
Openid, trade company compile using id, application odd numbers, record content, random number, signature, api versions, channel application odd numbers, product
Number, record declaration, loan application information, sub- application information, borrower's information object, borrower's sub-information object, account information
Object, image upload information, spreading parameter, product identification, intended use of the loan code, intended use of the loan explanation, the application amount of money, application phase
Whether limit, the commodity purchasing amount of money, the down payment amount of money, customer name, applicant's type code allow reference inquiry and primary applicant
Relations codes, customer type, phone number, type of credential code, passport NO., marriage code, highest educational background, occupation, account
Purposes code, account identification code, Currency Code, name in an account book, account type, account, Bank Name, image classification coding, file download
Link..
Further, tripartite's data include：Application form data, including identity information, income level, work unit,
Contact person；Behavioral data, including consuming capacity, geographical location, shopping preferences；Credit histories, including credit card quantity, refund are gone through
History, housing loan information；Data in row, including deposit, card quantity, user gradation.
According to another aspect of the present invention, it provides a kind of internet and helps credit side's method, include the following steps：
S1 assets channels defer to channel interface standard and business datum are committed to assets adapter；
Data Matching to different flows is carried out workflow examination and approval by S2 assets adapter according to parametrization configuration module；
S3 flow engine auto-control approval processes and according to personal information, credit information, behavioural information, counter cheat air control
Decision rule is filtered, if judging that so automatic approval module continues to execute follow-up examination ＆ approval by rule, if refusal is certainly
Dynamic approval module stops approval distributing and terminates the workflow examination and approval；
S4 decision engines judgement pass through and the data through examining automatically will enter financial accounting module, financial accounting module according to
Accounting criteria, which calculates funds data and is issued to client by channel of disbursement, specifies collecting account；
S5 unifies reconciliation module and completed to pass through unified pair with the end day reconciliation in T days of assets partner, loan fund stream on T+1
Account module generates the realization including real-time report, T+X reports, account report, monthly report, quarterly account, annual report form
The reconciliation of account cash flow operates, and generates accounting classification information.
This method further comprises that user's behavior of lending information is retained to air control module and updated to S6 push credit informations,
It pushes to unified reconciliation module update reconciliation data and forms report, push to post-loan management module and record user refund record letter
Breath, push parametrization management module fresh information.
Further, business datum described in S1 includes：Token id, openid, trade company are using id, application odd numbers, record
Content, random number, signature, api versions, channel application odd numbers, product identification, record declaration, loan application information, sub- letter of application
Breath, borrower's information object, borrower's sub-information object, account information object, image upload information, spreading parameter, product are compiled
Number, intended use of the loan code, the intended use of the loan explanation, application the amount of money, application the time limit, the commodity purchasing amount of money, the down payment amount of money, customer name
Whether title, applicant's type code allow reference inquiry and primary applicant's relations codes, customer type, phone number, certificate
Type code, passport NO., marriage code, highest educational background, occupation, account purposes code, account identification code, Currency Code, name in an account book,
Account type, account, Bank Name, image classification coding, file download link information.
Further, it when offering loans in S4, detects the client and specifies gathering debit card whether effective,
If receiving bank's debit card is effective, then offered loans fund to client by direct-connected payment platform；
If invalid, loan origination failure, just, borrowing plan is cancelled for system transaction punching.
Further, the storage of financial accounting system is made loans information in S5, and synchronous transfer gives assets partner, assets cooperation
Side is received and is stored for the reconciliation of end day to information of making loans.
Further, this method further includes refunding, and specifically includes following steps：
S21 initiates to refund by the ends channel app to be operated and is committed to automatic approval module, can be to packet in automatic approval module
Include the repayment amount amount of money, repayment schedule, refund personal information record retain, automatic approval module is by refund data-pushing to wealth
Module is calculated in business；Or
The repayment schedule generated when S21 financial accountings module is according to loan carries out daily meter and refers to race batch operation, generates daily
Refund data；
S22 financial accounting modules receive the rule calculating that automatic approval information carries out account, when client selects binding bank debit
Card is refunded, then is detained in real time to client by direct-connected payment platform and draw loan fund；In the case of auto deduction, client sets silver
Row debit card draws a loan fund by direct-connected payment platform in the agreement refund time as refund account, then system to client's button；
After S23 refunds successfully, the System Financial of financial institution calculates module book keeping operation, and informs user's refund successful result,
In, interface is all sent to automatic approval system by the success of refund result or failure by financial accounting；
The automatic approval systems of S24 update the synchronizing information to channel app after the fund state of this credit information；
S25 pushes the credit information and user's behavior of lending information is retained and updated to air control system, pushes to unified reconciliation platform
It updates reconciliation data and forms report, push to post-loan management module and record user refund record information, push parametrization management
Module fresh information；
Wherein, it includes real-time report that redrawing funds stream can will be generated by unified reconciliation platform, T+X reports, account report, monthly
The reconciliation of realization account cash flow including report, quarterly account, annual report form operates and generates accounting classification information.
Beneficial effects of the present invention：By for internet lending bank, internet little Dai companies, P2P platforms, the consumer finance
Company, Chi Pai financial institutions solve to obtain the problems such as objective difficult, risk control is insufficient, user experience is poor on line, are that financial institution is micro-
Loan transaction scale opens up new profit growth point, it can be achieved that bank, Wei Dai mechanisms and small enterprise, the multi-party of low-income groups are total to
It wins.
Description of the drawings
It in order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, below will be to institute in embodiment
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the present invention
Example, for those of ordinary skill in the art, without creative efforts, can also obtain according to these attached drawings
Obtain other attached drawings.
Fig. 1 is the structural schematic diagram that a kind of internet described according to embodiments of the present invention helps loan system；
Fig. 2 is the credit approval process schematic diagram that a kind of internet described according to embodiments of the present invention helps loan system.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, the every other embodiment that those of ordinary skill in the art are obtained belong to what the present invention protected
Range.
As illustrated in fig. 1 and 2, a kind of internet according to embodiments of the present invention helps loan system, the internet to help loan
System is arranged in the BS systems being made of based on internet and private network server, third-party server, bank server；It is described
It includes assets adapter, automatic approval module, air control module, decision engine, financial accounting module, uniformly that internet, which helps loan system,
Reconciliation module, post-loan management module, parametrization management module；
The assets adapter, for receiving external data, and is distributed, and financial product is corresponded to by configuring parameter；It collects
The internet loaning bill user information that certain mechanism collects is sent to certainly by loaning bill user information in the form of SDK or standard interface
Dynamic approval module；Multiple external assets channels are managed, internet is defined and helps loan system SDK data standards, and interface is visited
It asks in the form of message and defers to signature specification；
The automatic approval module, for receiving the matched data of assets adapter, and certainly according to the flow of flow engine configuration
The dynamic examination ＆ approval for completing to receive data；Automatic trial module receives the matched data of assets adapter and forms list, and list preserves
The business datum that the screening of assets adapter is submitted；Automatically approval module configuration service accepts, automatic pre- examination ＆ approval, instead cheats, is artificial
Audit, electric core, loan origination procedure links, form data will complete automatic examination ＆ approval according to the flow, wherein can be automatic
It examines for pre- batch and calls air control module with anti-fraud link；
The air control module utilizes risk assessment for receiving the data and obtain third party's data that automatic approval module is sent
Model quantization setting scoring criterion obtains the Default Probability of loan user, and formulates different credit rules according to scoring height
With collection strategy；
The decision engine, Default Probability, air control scoring for receiving the output of air control model, and made based on application form data
Decision judges that judging result, as a result, if automatic approval results are to pass through, will send data to wealth as examining automatically
Module is calculated in business；
The financial accounting module, for receive automatic examination ＆ approval and by decision engine by data, utilize the data of reception
And according to accounting criteria parameter computational costs, interest, generation repayment schedule, corresponding account information is generated using subject, is carried out
Calculating including expense, interest, default interest, expense；
The unified reconciliation module, the data for being generated based on financial accounting module carry out the analysis of different dimensions, including platform
Account report, data statistics of refunding, data statistics of making loans, overdue data statistics, transaction flow water meter；
The post-loan management module carries out overdue data for calculating more newly generated data daily according to financial accounting system
Collection management, collection management are divided into the importing of case, and the distribution of case is completed by artificial/machine, provide core information displaying
Intelligence merges case, one touch dial, a bonded function of listening；Various dimensions statistics is carried out to collection data set in different times, it is raw
It is single in detail at calling, details of recording and collection daily record；
The parametrization management module is the set of one or more groups of subfunction parameters, the parameter configuration being based on the products dimension, packet
Include product version, the loan types of product, the loan subtype of product, the cooperative institution of product, control of product amount of money section, profit
During rate, during the means of payment, mode of making loans, product, the corresponding business rule of product, association flow rules, are closed at air control rule
Join material rule, printing contract template, accounting criteria, electricity and adjusts rule, the corresponding expense class of the corresponding channel range of product, product
Type, expense calculating, self-defined mode of repayment；For providing life cycle pipe for the object including client, product, partner
It manages, the core business service of customer basis information inquiry, supports product parametersization configuration, adapt to various scene services processing.
Further, the loaning bill user information includes and is not limited to：Channel number, borrower's name, borrower's mobile phone
Number, borrower's ID card No., borrower bank card number, borrowing balance, borrowing rate, mode of repayment, the time limit, loaning bill product,
The intended use of the loan.
Further, list preserves the business datum that the screening of assets adapter is submitted and includes but be not limited to：Token id,
Openid, trade company compile using id, application odd numbers, record content, random number, signature, api versions, channel application odd numbers, product
Number, record declaration, loan application information, sub- application information, borrower's information object, borrower's sub-information object, account information
Object, image upload information, spreading parameter, product identification, intended use of the loan code, intended use of the loan explanation, the application amount of money, application phase
Whether limit, the commodity purchasing amount of money, the down payment amount of money, customer name, applicant's type code allow reference inquiry and primary applicant
Relations codes, customer type, phone number, type of credential code, passport NO., marriage code, highest educational background, occupation, account
Purposes code, account identification code, Currency Code, name in an account book, account type, account, Bank Name, image classification coding, file download
Link..
Further, tripartite's data include：Application form data, including identity information, income level, work unit,
Contact person；Behavioral data, including consuming capacity, geographical location, shopping preferences；Credit histories, including credit card quantity, refund are gone through
History, housing loan information；Data in row, including deposit, card quantity, user gradation.
According to another aspect of the present invention, it provides a kind of internet and helps credit side's method, include the following steps：
S1 assets channels defer to channel interface standard and business datum are committed to assets adapter；
Data Matching to different flows is carried out workflow examination and approval by S2 assets adapter according to parametrization configuration module；
S3 flow engine auto-control approval processes and according to personal information, credit information, behavioural information, counter cheat air control
Decision rule is filtered, if judging that so automatic approval module continues to execute follow-up examination ＆ approval by rule, if refusal is certainly
Dynamic approval module stops approval distributing and terminates the workflow examination and approval；
S4 decision engines judgement pass through and the data through examining automatically will enter financial accounting module, financial accounting module according to
Accounting criteria, which calculates funds data and is issued to client by channel of disbursement, specifies collecting account；
S5 unifies reconciliation module and completed to pass through unified pair with the end day reconciliation in T days of assets partner, loan fund stream on T+1
Account module generates the realization including real-time report, T+X reports, account report, monthly report, quarterly account, annual report form
The reconciliation of account cash flow operates, and generates accounting classification information.
This method further comprises that user's behavior of lending information is retained to air control module and updated to S6 push credit informations,
It pushes to unified reconciliation module update reconciliation data and forms report, push to post-loan management module and record user refund record letter
Breath, push parametrization management module fresh information.
Further, business datum described in S1 includes：Token id, openid, trade company are using id, application odd numbers, record
Content, random number, signature, api versions, channel application odd numbers, product identification, record declaration, loan application information, sub- letter of application
Breath, borrower's information object, borrower's sub-information object, account information object, image upload information, spreading parameter, product are compiled
Number, intended use of the loan code, the intended use of the loan explanation, application the amount of money, application the time limit, the commodity purchasing amount of money, the down payment amount of money, customer name
Whether title, applicant's type code allow reference inquiry and primary applicant's relations codes, customer type, phone number, certificate
Type code, passport NO., marriage code, highest educational background, occupation, account purposes code, account identification code, Currency Code, name in an account book,
Account type, account, Bank Name, image classification coding, file download link information.
Further, it when offering loans in S4, detects the client and specifies gathering debit card whether effective,
If receiving bank's debit card is effective, then offered loans fund to client by direct-connected payment platform；
If invalid, loan origination failure, just, borrowing plan is cancelled for system transaction punching.
Further, the storage of financial accounting system is made loans information in S5, and synchronous transfer gives assets partner, assets cooperation
Side is received and is stored for the reconciliation of end day to information of making loans.
When being refunded, following two modes may be used：
The first, it is automatic to refund.The repayment schedule generated when by financial accounting module according to loan carries out daily meter and refers to race
Batch operation generates daily refund data and executes the action that corresponding button draws creditor's account.No matter detain check off fruit success or
Interface is all sent to automatic approval module by failure by financial accounting module, and automatic approval module updates the money of this credit information
By the synchronizing information to channel after golden state, finally pushes the credit information and retained to air control system and update user's behavior of lending
Information pushes to unified reconciliation platform update reconciliation data and forms report, pushes to post-loan management module and record user refund
Record information, push parametrization management module fresh information；
It second, refunds by hand, including all refund and in advance partial payment in advance.Creditor is initiated also by the ends channel app
Money operates and is committed to automatic approval module, can be personal to the repayment amount amount of money, repayment schedule, refund in automatic approval module
The records such as information are retained, and refund data-pushing to financial accounting module, financial accounting module are received automatic by automatic approval module
The rule that approval information carries out account calculates, and binds bank debit when client's selection and refunds, then flat by direct-connected payment
Platform is detained to client and draws loan fund in real time.In the case of auto deduction, client sets bank debit as refund account, then system
A loan fund is drawn to client's button by direct-connected payment platform in the agreement refund time.
After refunding successfully, the System Financial of financial institution calculates module book keeping operation, and informs client's refund successful result.It refunds
As a result succeed or interface is all sent to automatic approval system by failure by financial accounting, automatic approval system updates this loan
By the synchronizing information to channel app after the fund state of information, finally pushes the credit information and retain and update to air control system
User's behavior of lending information pushes to unified reconciliation platform update reconciliation data and forms report, pushes to post-loan management module note
Record user refund record information, push parametrization management module fresh information.
Redrawing funds stream can will be generated by unified reconciliation platform real-time report, T+X reports, account report, monthly report,
Quarterly account, annual report form etc. realize that the reconciliation of account cash flow operates and generates accounting classification information.
In conclusion by means of the above-mentioned technical proposal of the present invention, by for small the loans public affairs in internet lending bank, internet
Department, P2P platforms, consumer finance company, Chi Pai financial institutions solve to obtain that objective difficult, risk control is insufficient, user experience is poor on line
The problems such as, new profit growth point is opened up, it can be achieved that bank, Wei Dai mechanisms and small enterprise for the micro- loan transaction scale of financial institution
Industry, the all-win of low-income groups.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
With within principle, any modification, equivalent replacement, improvement and so on should all be included in the protection scope of the present invention god.
Claims (10)
1. a kind of internet helps loan system, which is characterized in that the internet helps the setting of loan system by server, third party's clothes
It is engaged in the BS systems that device, bank server are constituted based on internet and private network；It includes assets adaptation that the internet, which helps loan system,
Device, automatic approval module, air control module, decision engine, financial accounting module, unified reconciliation module, post-loan management module, parameter
Change management module；
The assets adapter, for receiving external data, and is distributed, and financial product is corresponded to by configuring parameter；It collects
The internet loaning bill user information that certain mechanism collects is sent to certainly by loaning bill user information in the form of SDK or standard interface
Dynamic approval module；Multiple external assets channels are managed, internet is defined and helps loan system SDK data standards, and interface is visited
It asks in the form of message and defers to signature specification；
The automatic approval module, for receiving the matched data of assets adapter, and certainly according to the flow of flow engine configuration
The dynamic examination ＆ approval for completing to receive data；Automatic trial module receives the matched data of assets adapter and forms list, and list preserves
The business datum that the screening of assets adapter is submitted；Automatically approval module configuration service accepts, automatic pre- examination ＆ approval, instead cheats, is artificial
Audit, electric core, loan origination procedure links, form data will complete automatic examination ＆ approval according to the flow, wherein automatic pre-
It criticizes and examines and instead cheat link calling air control module；
The air control module utilizes risk assessment for receiving the data and obtain third party's data that automatic approval module is sent
Model quantization setting scoring criterion obtains the Default Probability of loan user, and formulates different credit rules according to scoring height
With collection strategy；
The decision engine, Default Probability, air control scoring for receiving the output of air control model, and made based on application form data
Decision judges that judging result, as a result, if automatic approval results are to pass through, will send data to wealth as examining automatically
Module is calculated in business；
The financial accounting module, for receive automatic examination ＆ approval and by decision engine by data, utilize the data of reception
And according to accounting criteria parameter computational costs, interest, generation repayment schedule, corresponding account information is generated using subject, is carried out
Calculating including expense, interest, default interest, expense；
The unified reconciliation module, the data for being generated based on financial accounting module carry out the analysis of different dimensions, including platform
Account report, data statistics of refunding, data statistics of making loans, overdue data statistics, transaction flow water meter；
The post-loan management module carries out overdue data for calculating more newly generated data daily according to financial accounting system
Collection management, collection management are divided into the importing of case, and the distribution of case is completed by artificial/machine；In different times to collection
Data set carries out various dimensions statistics, generates calling list in detail, details of recording and collection daily record；
The parametrization management module is the set of one or more groups of subfunction parameters, the parameter configuration being based on the products dimension, packet
Include product version, the loan types of product, the loan subtype of product, the cooperative institution of product, control of product amount of money section, profit
During rate, during the means of payment, mode of making loans, product, the corresponding business rule of product, association flow rules, are closed at air control rule
Join material rule, printing contract template, accounting criteria, electricity and adjusts rule, the corresponding expense class of the corresponding channel range of product, product
Type, expense calculating, self-defined mode of repayment；For providing life cycle pipe for the object including client, product, partner
It manages, the core business service of customer basis information inquiry, supports product parametersization configuration, adapt to various scene services processing.
2. internet according to claim 1 helps loan system, which is characterized in that the loaning bill user information includes and unlimited
In：Channel number, borrower's name, borrower's cell-phone number, borrower's ID card No., borrower bank card number, borrowing balance,
Borrowing rate, mode of repayment, time limit, loaning bill product, the intended use of the loan.
3. internet according to claim 1 helps loan system, which is characterized in that list preserves the screening of assets adapter and submits
Business datum include but be not limited to：Token id, openid, trade company are using id, application odd numbers, record content, random number, label
Name, api versions, channel application odd numbers, product identification, record declaration, loan application information, sub- application information, borrower's information
Object, borrower's sub-information object, account information object, image upload information, spreading parameter, product identification, intended use of the loan generation
Code, intended use of the loan explanation, the application amount of money, application time limit, the commodity purchasing amount of money, the down payment amount of money, customer name, applicant's type generation
Whether code allows reference inquiry and primary applicant's relations codes, customer type, phone number, type of credential code, certificate number
Code, marriage code, highest educational background, occupation, account purposes code, account identification code, Currency Code, name in an account book, account type, account,
Bank Name, image classification coding, file download link.
4. internet according to claim 1 helps loan system, which is characterized in that tripartite's data include：Application form number
According to, including identity information, income level, work unit, contact person；Behavioral data, including consuming capacity, geographical location, shopping
Preference；Credit histories, including credit card quantity, refund history, housing loan information；Data in row, including deposit, card quantity, use
Family grade.
5. a kind of internet helps credit side's method, which is characterized in that include the following steps：
S1 assets channels defer to channel interface standard and business datum are committed to assets adapter；
Data Matching to different flows is carried out workflow examination and approval by S2 assets adapter according to parametrization configuration module；
S3 flow engine auto-control approval processes and according to personal information, credit information, behavioural information, counter cheat air control
Decision rule is filtered, if judging that so automatic approval module continues to execute follow-up examination ＆ approval by rule, if refusal is certainly
Dynamic approval module stops approval distributing and terminates the workflow examination and approval；
S4 decision engines judgement pass through and the data through examining automatically will enter financial accounting module, financial accounting module according to
Accounting criteria, which calculates funds data and is issued to client by channel of disbursement, specifies collecting account；
S5 unifies reconciliation module and completed to pass through unified pair with the end day reconciliation in T days of assets partner, loan fund stream on T+1
Account module generates the realization including real-time report, T+X reports, account report, monthly report, quarterly account, annual report form
The reconciliation of account cash flow operates, and generates accounting classification information.
6. internet according to claim 5 helps credit side's method, which is characterized in that this method further comprises push loan letter
User's behavior of lending information is retained to air control module and updated to breath, pushes to unified reconciliation module update reconciliation data and forms report
Table pushes to post-loan management module and records user refund record information, push parametrization management module fresh information.
7. internet according to claim 5 helps credit side's method, which is characterized in that business datum described in S1 includes：Token
Id, openid, trade company are using id, application odd numbers, record content, random number, signature, api versions, channel application odd numbers, product
Number, record declaration, loan application information, sub- application information, borrower's information object, borrower's sub-information object, account letter
Cease object, image upload information, spreading parameter, product identification, intended use of the loan code, intended use of the loan explanation, the application amount of money, application
Whether the time limit commodity purchasing amount of money, the down payment amount of money, customer name, applicant's type code, allows reference inquiry and main application
Relationship code, customer type, phone number, type of credential code, passport NO., marriage code, highest educational background, occupation, account
Under number purposes code, account identification code, Currency Code, name in an account book, account type, account, Bank Name, image classification coding, file
Carry link information.
8. internet according to claim 5 helps credit side's method, which is characterized in that when offering loans in S4, detect the client
Whether specified gathering debit card is effective,
If receiving bank's debit card is effective, then offered loans fund to client by direct-connected payment platform；
If invalid, loan origination failure, just, borrowing plan is cancelled for system transaction punching.
9. internet according to claim 5 helps credit side's method, which is characterized in that the storage of financial accounting system is made loans letter in S5
Breath, and synchronous transfer gives assets partner, assets partner that information of making loans is received and stored for the reconciliation of end day.
10. internet according to claim 5 helps credit side's method, which is characterized in that this method further comprises refunding, specifically
Include the following steps：
S21 initiates to refund by the ends channel app to be operated and is committed to automatic approval module, can be to packet in automatic approval module
It includes the record including the repayment amount amount of money, repayment schedule, refund personal information to retain, automatic approval module will refund data-pushing
To financial accounting module；Or
The repayment schedule generated when S21 financial accountings module is according to loan carries out daily meter and refers to race batch operation, generates daily
Refund data；
S22 financial accounting modules receive the rule calculating that automatic approval information carries out account, when client selects binding bank debit
Card is refunded, then is detained in real time to client by direct-connected payment platform and draw loan fund；In the case of auto deduction, client sets silver
Row debit card draws a loan fund by direct-connected payment platform in the agreement refund time as refund account, then system to client's button；
After S23 refunds successfully, the System Financial of financial institution calculates module book keeping operation, and informs user's refund successful result,
In, interface is all sent to automatic approval system by the success of refund result or failure by financial accounting；
The automatic approval systems of S24 update the synchronizing information to channel app after the fund state of this credit information；
S25 pushes the credit information and user's behavior of lending information is retained and updated to air control system, pushes to unified reconciliation platform
It updates reconciliation data and forms report, push to post-loan management module and record user refund record information, push parametrization management
Module fresh information；
Wherein, it includes real-time report that redrawing funds stream can will be generated by unified reconciliation platform, T+X reports, account report, monthly
The reconciliation of realization account cash flow including report, quarterly account, annual report form operates and generates accounting classification information.
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| CN201810144288.8A CN108305165A (en) | 2018-02-12 | 2018-02-12 | A kind of internet helps loan system and method |
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| CN109146673A (en) * | 2018-09-10 | 2019-01-04 | 合肥科讯金服科技有限公司 | Credit examines platform |
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| CN109410031A (en) * | 2018-09-27 | 2019-03-01 | 苏宁消费金融有限公司 | The consumptive credit intelligence measures and procedures for the examination and approval and system |
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| CN109146675A (en) * | 2018-11-02 | 2019-01-04 | 中航信托股份有限公司 | A kind of method, apparatus, equipment and the medium of financial asset authenticity verification |
| CN109345380A (en) * | 2018-11-19 | 2019-02-15 | 上海指旺信息科技有限公司 | Risk control platform construction method and system |
| CN109785109A (en) * | 2018-12-13 | 2019-05-21 | 平安普惠企业管理有限公司 | A kind of default interest determines method and relevant device |
| CN109785118A (en) * | 2018-12-18 | 2019-05-21 | 深圳壹账通智能科技有限公司 | The method, apparatus of data processing, medium and electronic equipment after loan |
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| CN109801160A (en) * | 2019-01-25 | 2019-05-24 | 江苏吴江农村商业银行股份有限公司 | Internet Financial Management platform |
| CN109919757A (en) * | 2019-02-28 | 2019-06-21 | 中科云创(厦门)科技有限公司 | Data processing method and device applied to credit risk monitoring |
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| CN112150272A (en) * | 2020-09-23 | 2020-12-29 | 上海维信荟智金融科技有限公司 | House mortgage loan method and system based on workflow engine |
| CN112308698A (en) * | 2020-09-29 | 2021-02-02 | 福建省农村信用社联合社 | WeChat end loan product management method and system supporting second-level legal person |
| CN112308698B (en) * | 2020-09-29 | 2023-07-28 | 福建省农村信用社联合社 | WeChat end loan product management method and system supporting second-level legal person |
| CN112785270A (en) * | 2021-01-25 | 2021-05-11 | 邦邦(天津)商业保理有限公司 | Financial service system and method for supply chain of automobile parts |
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| CN113327161A (en) * | 2021-06-24 | 2021-08-31 | 国槐(上海)信息科技有限公司 | Intelligent wind control decision system for credit business |
| CN113538127A (en) * | 2021-07-16 | 2021-10-22 | 四川新网银行股份有限公司 | Method, system, equipment and medium for supporting simultaneous joint wind control test of multiple partners |
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| CN113935844A (en) * | 2021-10-14 | 2022-01-14 | 深圳市佑荣信息科技有限公司 | Financial wind control system based on big data and artificial intelligence |
| CN115187391A (en) * | 2022-09-13 | 2022-10-14 | 天津金城银行股份有限公司 | Internet individual loan fund accounting system, accounting method and electronic equipment |
| CN115187391B (en) * | 2022-09-13 | 2022-12-27 | 天津金城银行股份有限公司 | Internet individual loan fund accounting system, accounting method and electronic equipment |
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Application publication date: 20180720 |