CN109800953A - Charter application checking method, device, computer equipment and storage medium - Google Patents
Charter application checking method, device, computer equipment and storage medium Download PDFInfo
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- 238000012550 audit Methods 0.000 claims abstract description 97
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- 238000012552 review Methods 0.000 claims abstract description 14
- 238000004590 computer program Methods 0.000 claims description 30
- 238000013475 authorization Methods 0.000 claims description 26
- 239000013589 supplement Substances 0.000 claims description 26
- 238000012797 qualification Methods 0.000 claims description 9
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Abstract
This application involves big data analysis field, in particular to one kind charters application checking method, device, computer equipment and storage medium.The described method includes: receive that user terminal sends charters application, charters application and carry and charter information；It obtains pre- examination & approval rule, and is examined according to pre- examination & approval rule to chartering information, when chartering information examination & approval and passing through, generate request message according to information is chartered；Request message is sent to server, and receives reference corresponding with the request message report of server transmission；Anti- fraud rule is obtained, and reference report is audited according to anti-fraud rule；When reference report audit passes through, information will be chartered and be sent to server.The above method can effectively improve the review efficiency that application is chartered to user.
Description
Technical field
This application involves field of computer technology, charter application checking method, device, computer more particularly to one kind and set
Standby and storage medium.
Background technique
With the development of society and science and technology, the lease of the valuable produce such as automobile or house property is also more more and more universal, valuable produce
Lease service also generate therewith, and in such lease service, the data for the applicant for chartering application to proposition is needed to carry out
Audit, charters qualification to confirm whether it has.
It traditionally, is by information sifting in manual examination and verification or line, when chartering Shen for the data verification for chartering application
When please measure big, review efficiency is low.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide it is a kind of can be improved review efficiency charter application audit
Method, apparatus, computer equipment and storage medium.
One kind chartering application checking method, which comprises
Receive that user terminal sends charters application, it is described charter application and carry charter information；
Pre- examination & approval rule is obtained, and the information of chartering is examined according to the pre- examination & approval rule, is chartered when described
When information examination & approval pass through, request message is generated according to the information of chartering；
The request message is sent to server, and receives the corresponding with the request message of the server transmission
Reference report；
Anti- fraud rule is obtained, and reference report is audited according to the anti-fraud rule；
When reference report audit passes through, the information of chartering is sent to the server.
It is described in one of the embodiments, that the request message is sent to after server, further includes:
When receiving the message that can not obtain reference report corresponding with the request message that the server is sent,
The authorization requests of reference report acquisition qualification are generated, and send the authorization requests to the user terminal；
Receive the certificate of authority corresponding with the authorization requests that the user terminal returns；
The certificate of authority is sent to the server, the certificate of authority is used to indicate the server to the authorization
Certificate is verified, and the reference report is returned after being proved to be successful.
In one of the embodiments, it is described chartered according to information generate request message before, further includes:
Information supplement request is generated, and information supplement request is sent to the user terminal；
Receive the credit related information that the user terminal is returned according to information supplement request；
The information of chartering according to generates request message, comprising:
Information and credit related information generation request message are chartered according to described.
It is described when reference report audit passes through in one of the embodiments, the information of chartering is sent to
After the server, further includes:
Obtain server transmission charters contract, and the contract is sent to the user terminal；
Receive that the user terminal returns charters the corresponding signing information of contract with described.
The signing information is sent to the server.
It is described in one of the embodiments, to be chartered after information examines according to the pre- examination & approval rule to described,
Further include:
When the information of chartering examines obstructed out-of-date, the first refuse information of generation；
First refuse information is sent to the user terminal；
When receive that user terminal returns charters information according to after first refuse information supplement, described in continuation
The information of chartering is examined according to the pre- examination & approval rule.
In one of the embodiments, it is described reference report is audited according to the anti-fraud rule after,
Further include:
When obstructed out-of-date, the second refuse information of generation is audited in reference report；
Second refuse information is sent to the user terminal；
When the reception user terminal, which returns to the corresponding review core of second refuse information, requests, continue the basis
The information of chartering generates request message.
In one of the embodiments, it is described reference report is audited according to the anti-fraud rule after,
Further include:
When reference report audit passes through, notification message is generated；
The notification message is sent to the user terminal.
One kind chartering application audit device, and described device includes:
Receiving module charters application for receive user terminal transmission, it is described charter application and carry charter information；
Pre- approval module carries out the information of chartering for obtaining pre- examination & approval rule, and according to the pre- examination & approval rule
Examination & approval, when it is described charter information examination & approval pass through when, according to it is described charter information generate request message；
Report acquisition module, for the request message to be sent to server, and receive that the server sends with
The corresponding reference report of the request message；
Anti- fraud auditing module reports the reference for obtaining anti-fraud rule, and according to the anti-fraud rule
It is audited；
By module, for when reference report audit passes through, the information of chartering to be sent to the server.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
The step of device realizes above-mentioned any one the method when executing the computer program.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
The step of method described in above-mentioned any one is realized when row.
It is above-mentioned to charter application checking method, device, computer equipment and storage medium, by the use for largely chartering application
The analysis at family, rule can be cheated with anti-to the pre- examination & approval rule that information is audited in advance is chartered by training；User is mentioned
Application of chartering out first carries out simple pre- examination & approval according to pre- examination & approval rule, and verifying its other information in addition to reference report is
No satisfaction charters requirement, if pre- examination & approval pass through, is just sent to server, accesses credit investigation system by server, according to anti-fraud rule
It then verifies the report of its reference and just has and charter after chartering application while passing through above-mentioned examination & approval twice with the presence or absence of risk of fraud
Qualification.It is above-mentioned to charter application checking method, before accessing credit investigation system, first passes through pre- approval process and carry out the to application is chartered
Primary screening, filter out it is incongruent charter application, charter application to by pre- approval process, just access credit investigation system, sentence
Break its risk of fraud, can effectively improve the review efficiency that application is chartered to user.
Detailed description of the invention
Fig. 1 is the application scenario diagram that application checking method is chartered in one embodiment；
Fig. 2 is the flow diagram that application checking method is chartered in one embodiment；
Fig. 3 is the flow diagram of reference authorization in one embodiment；
Fig. 4 is the structural block diagram that application audit device is chartered in one embodiment；
Fig. 5 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Product method for pushing provided by the present application, can be applied in application environment as shown in Figure 1.Wherein, user is whole
End 102 is communicated by network with audit terminal 104, and terminal 104 can also be communicated by network with server 106.
The user for initiating to charter application can charter application to the transmission of terminal 104 by user terminal 102, this, which charters application and carries, holds
Rent information, audit terminal 104 by advance examination & approval rule first to charter application examined in advance, when examination & approval pass through, generation is used for
The request message for requesting user's reference to be reported to server 106, after the reference report waiting for receiving the transmission of server 106, then root
Fraud audit is carried out to reference report according to anti-fraud rule, if fraud audit is also by this charters application and passes through audit terminal
104 audit, audit terminal 104 will charter information and be sent to server 106.Wherein, user terminal 102 and audit terminal 104
It can be, but not limited to be various personal computers, laptop, smart phone, tablet computer and portable wearable device,
Server 104 can be realized with the server cluster of the either multiple server compositions of independent server.
In one embodiment, as shown in Fig. 2, providing one kind charters application checking method, it is applied to Fig. 1 in this way
In audit terminal 104 for be illustrated, comprising the following steps:
S202, receive that user terminal sends charters application, charters application and carries and charters information.
Wherein, it charters application and is intended to the application for participating in chartering activity or buying the lease class product that this department issues, by
In leasing class product and the activity of chartering all has the features such as larger time span, monthly payment plan, therefore the application to such product
It needs to be directed to and uses corresponding checking method.Chartering information is to charter Shen for example, lifting for auditing this information for chartering application
The identity information etc. of tenant and its guarantor please.
Specifically, user charters application to audit terminal transmission by user terminal, and audit terminal, which receives, charters application
Afterwards, it obtains the information of chartering chartered and carried in application and is used for subsequent review process.Technical staff can issue to user terminal
One user can fill on this page and charter information for filling in the page for chartering application, formation charter application be sent to it is careful
Core terminal.
S204, obtains pre- examination & approval rule, and is examined according to pre- examination & approval rule to chartering information, when chartering information examination & approval
By when, according to charter information generate request message.
Wherein, examination & approval rule is to charter the rule for applying for carrying out first time audit for what is lifted to user in advance, is technology
Personnel carry out analysis formulation according to the previous auditing flow for chartering application；Pre- examination & approval rule can be inspection and charter application
In whether charter information perfect, although user filled in when user terminal lifts and charters application it is corresponding charter information,
But information that it was filled in charter may not be true and meets the requirements, and technical staff can write for subscriber identity information and guarantor's letter
The pre- examination & approval rule verified is ceased, for example, checking whether its field meets the requirements, passes through the database auditing guarantor of this department
Whether information is true etc..
Audit terminal will the predeterminated position of pre- examination & approval rule storage at the terminal, when receiving chartering for user terminal transmission
After application, pre- examination & approval rule is read from predeterminated position, the requirement whether application meets pre- examination & approval rule is chartered in verifying, if satisfied,
Then this, which is chartered, examines please through pre- approval process, continues the reference report acquisition operation of next step, audit terminal is held according to this
It rents application and generates the request message reported from the corresponding reference of reference system request, should include to be obtained in this request message
The identity information of the people of reference report.Terminal is first chartered information to this according to preset pre- examination & approval rule and is examined in advance, deletes
Such as standing is very poor or information it is imperfect be unsatisfactory for pre- examination & approval rule charter apply, charter application progress to what user lifted
It audits for the first time.
Request message is sent to server by S206, and receives the reference report corresponding with request message of server transmission
It accuses.
Wherein, reference report is the report for characterizing the credit record for lifting the user for chartering application or guarantor, by
Server is obtained to credit investigation system, such as people's row reference, preceding extra large reference database, request；It should be comprising it at it in reference report
Transaction credit record in his bank or financial institution.
Specifically, server is the equipment for being uniformly accessed into reference library, the request that audit terminal will generate in step S204
Message is sent to server, server from credit investigation system in acquisition request message corresponding user or guarantor reference report
It accuses, and the reference report that will acquire is back to audit terminal.Optionally, credit investigation system can verify that whether server is looked into reference
Permission is ask, i.e., needs to input the information such as the account number cipher logged in when server accesses credit investigation system, after being verified, then allow
Server access credit investigation system obtains this and charters the corresponding reference report of application.
S208 obtains anti-fraud rule, and is audited according to anti-fraud rule to reference report.
Wherein, anti-fraud rule is to report the mark audited for the reference to the user or guarantor for chartering application
Second of the audit of standard, as audit terminal to application is chartered；Technical staff is corresponding according to application is chartered to Client-initiated
The signature analysis of product, and the analysis for largely chartering record judge which risk information in reference report can
This user can be will cause, violations occur after buying product, then user buy product before, first refuse its application, prevent in
Possible trouble.For example, can be after the past has a large amount of overdue users not can guarantee purchase lease product for one on time
Pay rent, a user and its guarantor have multiple promise breaking record, then its default risk also higher etc. rule.
Specifically, audit terminal carries out fraud audit behaviour to the corresponding reference report of application is chartered according to anti-fraud rule
Make, from this charter application user or guarantor credit angle judge this charter application in the future occur default risk it is general
Whether rate is higher, if significantly higher, that is, chartering application can not be audited by fraud, on the contrary, it is believed that this charters application safety.
S210 will charter information and be sent to server when reference report audit passes through.
Specifically, after the approval, then it is assumed that this information satisfaction for chartering application charters requirement, can will charter application and send
To server, tell the server execute it is next charter application to this and perform the next step operation, such as user is notified to sign a contract,
Or carry out subsequent product selection etc..
Above-mentioned to charter application checking method, by the analysis to the user for largely chartering application, training can be right
Charter the pre- examination & approval rule and anti-fraud rule that information is audited in advance；Application is chartered first according to pre- examination & approval rule to what user proposed
Simple pre- examination & approval are then carried out, its other information in addition to reference report is verified and whether meets and charter requirements, if pre- examination & approval are led to
It crosses, is just sent to server, credit investigation system is accessed by server, whether there is according to anti-fraud its reference of rule verification report and take advantage of
Risk is cheated, after chartering application while passing through above-mentioned examination & approval twice, just has and charters qualification.It is above-mentioned to charter application checking method,
Before accessing credit investigation system, first passes through pre- approval process and carry out first time screening to application is chartered, filter out incongruent hold
Application is rented, charters application to by pre- approval process, credit investigation system is just accessed, judges its risk of fraud, can effectively mention
Height charters the review efficiency of application to user.
In one embodiment, Fig. 3 is referred to also to wrap after request message is sent to server by above-mentioned steps S206
Reference authorization is included, specifically includes the following steps:
S302 is raw when receiving the message that can not obtain reference report corresponding with request message of server transmission
Authorization requests are sent at the authorization requests of reference report acquisition qualification, and to user terminal.
Wherein, authorization requests are to obtain this by other approach by this department staff to user terminal requests to charter application
The request of corresponding user or guarantor can be sent to the user terminal by audit terminal with message such as mails or short message.
It specifically,, may if corresponding reference report can not be obtained when server is reported to credit investigation system request reference
Not there is transaction record relevant to its reference in the object of reference report to be obtained, then audit terminal needs in credit investigation system
The authorization for getting the object of reference report to be obtained, obtains pertinent transaction information by it in other systems, it is right to sort out this
The reference of elephant is reported.
S304 receives the certificate of authority corresponding with authorization requests that user terminal returns.
Specifically, if the object of reference to be obtained report agrees to authorization, it usually needs corresponding people signs the certificate of authority, uses
The certificate of authority is sent to audit terminal by family terminal.
S306 sends the certificate of authority to server, and the certificate of authority is used to indicate server and verifies to the certificate of authority, and
Reference report is returned after being proved to be successful.
Specifically, the certificate of authority is sent to server by audit terminal, and server can access other by this certificate of authority
Credit investigation system or transaction data base obtain the transaction record and reference record of the object of this reference report to be obtained, form sign
Letter report is back to the step of audit terminal continues to execute fraud audit.
In above-described embodiment, when inquiry is less than reference report in credit investigation system, it can also be authorized by party
Mode is reported to integrate out corresponding reference, avoids no reference report from then retracting the case where chartering application, improves the standard of audit
True property.
In one embodiment, the basis in above-mentioned steps S204 is chartered before information generates request message, further includes: raw
It is requested at information supplement, and information supplement request is sent to the user terminal；User terminal is received to be returned according to information supplement request
The credit related information returned；Then above-mentioned step S204 generates request message according to information is chartered, and may include: that basis charters letter
Breath and credit related information generate request message.
Wherein, information supplement request is that user is required to provide the request for executing the corresponding information that step S204 is operated later,
After pre- examination & approval of the audit terminal to audit request pass through, that is, this request is generated, is associated with by the credit that user terminal sends supplement
After information, continue to execute next step fraud audit the step of.
Specifically, to user propose charter application examined in advance when, user only need offer tenant, spouse, load
The essential informations such as guarantor are submitted and run pre- examination & approval rule, and filter out that a batch do not meet pre- examination & approval rule in advance charters application.When
After application is chartered by examination & approval audit in advance, user is needed to supplement the related informations such as the reference power of attorney, group photo, it is corresponding to obtain its
Reference report.
It in above-described embodiment, does not need client all information is disposably provided that pre- review operation can be carried out, alleviate use
Data input pressure of the family in pre- approval stage.
In one embodiment, above-mentioned steps S210 will charter information and be sent to service when reference report audit passes through
After device, can also include: obtain that server sends charter contract, and contract is sent to the user terminal；It is whole to receive user
Hold the signing information corresponding with contract of chartering returned；Signing information is sent to server.
Wherein, chartering contract is to determine that this is chartered after all examination of application are chartered in server completion to this
Application meets the requirements, the contract for allowing user to be rented；This charters contract should be comprising chartering product and lease and rental period etc.
All contracts must project.
Signing information is that user agrees to charter the craft or electronic signature signed after the project in contract, it can also be used
His documentary evidence.
Specifically, application is chartered to this after the approval when audit terminal, transfer to server to charter application to this and carry out
The operations such as amount of money examination & approval choose corresponding contract item when server confirms that this charters application and can be performed from contract library
Money, which is generated, charters the contract of application for this, and this contract is sent to audit terminal, and audit terminal forwards it to user again
Terminal, user carry out electronic surface label after its user terminal receives this contract, to contract, and signing information is sent to audit eventually
End after audit terminal receives signing information, is forwarded to server, and transaction is this time chartered in completion.Optionally, between terminal and client
Contract and the interaction of signing information can pass through the forms such as wechat message.
In above-described embodiment, tenant can be reduced and be contracted out under line by file dealing on electronic contract signing and line
Error rate reduces operation contract handover workload, while improving signing efficiency and improving contract data and mortgage material handover filing
Efficiency.
In one embodiment, the pre- examination & approval rule of basis in above-mentioned steps S204 to chartering after information examines,
It can also include: that ought charter information to examine obstructed out-of-date, the first refuse information of generation；First refuse information is sent to user's end
End；When what reception user terminal returned charters information after supplement according to the first refuse information, it is right according to examination & approval rule in advance to continue
Information is chartered to be examined.
First refuse information is intended to indicate that this charters application not by the message of pre- approval process, can with short message or
The forms such as mail are sent to the user terminal.Audit terminal S204 through the above steps to charter application in charter information into
When row is examined in advance, if this, which charters information, is unsatisfactory for pre- examination & approval rule, audit terminal generates the first refuse information, and is sent to
To user terminal, informing user, this charters application by the mistake of audit, and user can be according to reflecting in the first refuse information
The undesirable information of information is chartered, the mistake chartered in information is corrected, and the information of chartering after correction is sent
To audit terminal, the auditing flow for chartering application is recurred to.
In above-described embodiment, for by the application of chartering examined in advance, audit terminal does not generate the first refuse information and rejects
Application is chartered, and informs user.
In one embodiment, after the anti-fraud rule of basis in above-mentioned steps S208 audits reference report,
It can also include: when obstructed out-of-date, the second refuse information of generation is audited in reference report；Second refuse information is sent to user's end
End；When reception user terminal, which returns to the corresponding review core of the second refuse information, requests, continues basis and charter information generation request
Message.
Second refuse information is intended to indicate that this charters application by the message of fraud auditing flow, can with short message or
The forms such as person's mail are sent to the user terminal.Audit terminal reports the reference chartered in application in S208 through the above steps
When carrying out fraud audit, if the report of this reference is unsatisfactory for instead cheating rule rule, audit terminal generates the second refuse information, and
User terminal is sent it to, informing user, this charters application not by the mistake of fraud audit, for example, the reference report of this user
The bank credit integral deficiency etc. of user is recorded in announcement, user can solve not pass through in fraud audit according to the second refuse information
The problem of after recur to audit, user initiates to review core request to audit terminal by user terminal, and audit terminal can skip
Pre- approval process directly obtains reference report from server again, carries out fraud audit.
In above-described embodiment, for by the application of chartering of fraud audit, audit terminal does not generate the second refuse information and refutes
It returns and charters application, and inform user.
In one embodiment, after the anti-fraud rule of basis in above-mentioned steps S208 audits reference report,
It can also include: to generate notification message when reference report audit passes through；Notification message is sent to the user terminal.
Wherein, notification message be for informing that its application of chartering proposed of user pass through the message audited, can be with
The forms such as short message or mail are sent to the user terminal.
Specifically, after chartering application by auditing in advance and cheating the process of audit, indicate that this charters application and meets purchase
It buys lease product or participates in and charter movable requirement, user can carry out the transactional operation of next step；Audit terminal, which generates, to be examined
The notification message that core passes through, and send this for this notification message and charter the corresponding terminal of application.
Above-described embodiment, audit terminal send a notification message to user, and user is made to will be seen that chartering application audit passes through
Result.
It should be understood that although each step in the flow chart of Fig. 2 to Fig. 3 is successively shown according to the instruction of arrow,
But these steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly state otherwise herein, these
There is no stringent sequences to limit for the execution of step, these steps can execute in other order.Moreover, Fig. 2 is into Fig. 3
At least part step may include that perhaps these sub-steps of multiple stages or stage are not necessarily same to multiple sub-steps
One moment executed completion, but can execute at different times, and the execution in these sub-steps or stage sequence is also not necessarily
Be successively carry out, but can at least part of the sub-step or stage of other steps or other steps in turn or
Alternately execute.
In one embodiment, as shown in figure 3, providing one kind charters application audit device, comprising: receiving module 100,
Pre- approval module 200, report acquisition module 300 instead cheat auditing module 400 and pass through module 500, in which:
Receiving module 100 charters application for receive user terminal transmission, charters application and carry and charter information.
Pre- approval module 200 is examined for obtaining pre- examination & approval rule, and according to pre- examination & approval rule to chartering information,
When charter information examination & approval pass through when, according to charter information generate request message.
Report acquisition module 300 for request message to be sent to server, and receives disappearing with request for server transmission
Cease corresponding reference report.
Anti- fraud auditing module 400 examines reference report for obtaining anti-fraud rule, and according to anti-fraud rule
Core.
By module 500, for will charter information and be sent to server when reference report audit passes through.
It is in one embodiment, above-mentioned to charter application audit device further include:
Authorization request module, for being reported when the reference corresponding with request message that can not obtain for receiving server transmission
Message when, generate the qualification of reference report acquisition authorization requests, and to user terminal send authorization requests.
Authorization module, for receiving the certificate of authority corresponding with authorization requests of user terminal return.
Authentication module, for server send the certificate of authority, the certificate of authority be used to indicate server to the certificate of authority into
Row verifying, and reference report is returned after being proved to be successful.
In one embodiment, above-mentioned charter in application audit device can also include:
Information supplement module is sent to the user terminal for generating information supplement request, and by information supplement request.
Supplemental information obtains module, the credit related information returned for receiving user terminal according to information supplement request.
Above-mentioned pre- approval module 200 is also used to basis and charters information and credit related information generation request message.
In one embodiment, above-mentioned application audit device of chartering can also include:
Contract obtains module, charters contract for obtain server transmission, and contract is sent to the user terminal.
Signing module, for receiving the signing information corresponding with contract of chartering of user terminal return.
Signing logging modle, for signing information to be sent to server.
In one embodiment, above-mentioned application audit device of chartering can also include:
First refusal module, it is obstructed out-of-date for information examination & approval ought to be chartered, generate the first refuse information.
First sending module, for the first refuse information to be sent to the user terminal.
Secondary pre- approval module, for chartering letter after supplement according to the first refuse information when what reception user terminal returned
Breath continues to be examined according to pre- examination & approval rule to chartering information.
In one embodiment, above-mentioned application audit device of chartering can also include:
Second refusal module generates the second refuse information for reporting that audit is obstructed out-of-date when reference.
Second sending module, for the second refuse information to be sent to the user terminal.
It is secondary to believe careful module, it is used for when the corresponding review core request of reception the second refuse information of user terminal return, after
Continuous basis charters information and generates request message.
In one embodiment, above-mentioned application audit device of chartering can also include:
Generation module is notified, for generating notification message when reference report audit passes through.
Sending module is notified, for notification message to be sent to the user terminal.
The limit that may refer to above for application checking method is chartered is limited about the specific of application audit device is chartered
Fixed, details are not described herein.It is above-mentioned charter application audit device in modules can fully or partially through software, hardware and its
Combination is to realize.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with
It is stored in the memory in computer equipment in a software form, in order to which processor calls the above modules of execution corresponding
Operation.
In one embodiment, a kind of computer equipment is provided, which can be terminal, internal structure
Figure can be as shown in Figure 5.The computer equipment includes processor, the memory, network interface, display connected by system bus
Screen and input unit.Wherein, the processor of the computer equipment is for providing calculating and control ability.The computer equipment is deposited
Reservoir includes non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system and computer journey
Sequence.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The network interface of machine equipment is used to communicate with external terminal by network connection.When the computer program is executed by processor with
Realize a kind of knowledge base linkage update method.The display screen of the computer equipment can be liquid crystal display or electric ink is aobvious
Display screen, the input unit of the computer equipment can be the touch layer covered on display screen, be also possible to computer equipment shell
Key, trace ball or the Trackpad of upper setting can also be external keyboard, Trackpad or mouse etc..
It will be understood by those skilled in the art that structure shown in Fig. 5, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor execute computer program when perform the steps of receive user terminal send charter application, hold
It rents and applies carrying chartering information；It obtains pre- examination & approval rule, and is examined according to pre- examination & approval rule to chartering information, when chartering
When information examination & approval pass through, request message is generated according to information is chartered；Request message is sent to server, and receives server hair
Reference corresponding with the request message report sent；Anti- fraud rule is obtained, and reference report is examined according to anti-fraud rule
Core；When reference report audit passes through, information will be chartered and be sent to server.
In one embodiment, processor execute computer program when realize request message is sent to server it
Afterwards, further includes: when receiving the message that can not obtain reference report corresponding with request message of server transmission, generate sign
Believe the authorization requests of report acquisition qualification, and sends authorization requests to user terminal；Receive asking with authorization for user terminal return
Seek the corresponding certificate of authority；The certificate of authority is sent to server, the certificate of authority is used to indicate server and tests the certificate of authority
Card, and reference report is returned after being proved to be successful.
In one embodiment, processor execute computer program when realize basis charter information generate request message it
Before, further includes: information supplement request is generated, and information supplement request is sent to the user terminal；User terminal is received according to letter
Cease the credit related information that augmentation requests return；Processor executes the basis realized when computer program and charters information generation request
Message, comprising: generate request message according to information and credit related information is chartered.
In one embodiment, processor execute computer program when realize when reference report audit pass through when, will hold
It rents information to be sent to after server, further includes: obtain the contract of chartering of server transmission, and contract is sent to user's end
End；Receive the signing information corresponding with contract of chartering that user terminal returns；Signing information is sent to server.
In one embodiment, processor execute the pre- examination & approval rule of the basis realized when computer program to charter information into
After row examination & approval, further includes: when chartering, information examination & approval are obstructed out-of-date, generate the first refuse information；First refuse information is sent
To user terminal；When what reception user terminal returned charters information after supplement according to the first refuse information, continuation is according to preliminary hearing
Batch rule is examined to chartering information.
In one embodiment, processor execute the anti-fraud rule of the basis realized when computer program to reference report into
After row audit, further includes: when obstructed out-of-date, the second refuse information of generation is audited in reference report；Second refuse information is sent
To user terminal；When reception user terminal, which returns to the corresponding review core of the second refuse information, requests, continues basis and charter information
Generate request message.
In one embodiment, processor execute the anti-fraud rule of the basis realized when computer program to reference report into
After row audit, further includes: when reference report audit passes through, generate notification message；Notification message is sent to the user terminal.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performed the steps of when being executed by processor receive that user terminal sends charter application, charter application and carry and hold
Rent information；It obtains pre- examination & approval rule, and is examined according to pre- examination & approval rule to chartering information, passed through when chartering information examination & approval
When, request message is generated according to information is chartered；Request message is sent to server, and receives disappearing with request for server transmission
Cease corresponding reference report；Anti- fraud rule is obtained, and reference report is audited according to anti-fraud rule；When reference is reported
When audit passes through, information will be chartered and be sent to server.
In one embodiment, realized when computer program is executed by processor request message is sent to server it
Afterwards, further includes: when receiving the message that can not obtain reference report corresponding with request message of server transmission, generate sign
Believe the authorization requests of report acquisition qualification, and sends authorization requests to user terminal；Receive asking with authorization for user terminal return
Seek the corresponding certificate of authority；The certificate of authority is sent to server, the certificate of authority is used to indicate server and tests the certificate of authority
Card, and reference report is returned after being proved to be successful.
In one embodiment, the basis realized when computer program is executed by processor charters information and generates request message
Before, further includes: generate information supplement request, and information supplement request is sent to the user terminal；Receive user terminal according to
The credit related information that information supplement request returns；The basis realized when computer program is executed by processor charters information generation
Request message, comprising: generate request message according to information and credit related information is chartered.
In one embodiment, realized when computer program is executed by processor when reference report audit pass through when, will
It charters information to be sent to after server, further includes: obtain the contract of chartering of server transmission, and contract is sent to user's end
End；Receive the signing information corresponding with contract of chartering that user terminal returns；Signing information is sent to server.
In one embodiment, the pre- examination & approval rule of the basis realized when computer program is executed by processor is to chartering information
After being examined, further includes: when chartering, information examination & approval are obstructed out-of-date, generate the first refuse information；First refuse information is sent out
It send to user terminal；When what reception user terminal returned charters information after supplement according to the first refuse information, continuation is according in advance
Examination & approval rule is examined to chartering information.
In one embodiment, the anti-fraud rule of the basis realized when computer program is executed by processor reports reference
After being audited, further includes: when obstructed out-of-date, the second refuse information of generation is audited in reference report；Second refuse information is sent out
It send to user terminal；When reception user terminal, which returns to the corresponding review core of the second refuse information, requests, continues basis and charter letter
Breath generates request message.
In one embodiment, the anti-fraud rule of the basis realized when computer program is executed by processor reports reference
After being audited, further includes: when reference report audit passes through, generate notification message；Notification message is sent to user's end
End.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
Above embodiments only express the several embodiments of the application, and the description thereof is more specific and detailed, but can not
Therefore it is construed as limiting the scope of the patent.It should be pointed out that for those of ordinary skill in the art,
Under the premise of not departing from the application design, various modifications and improvements can be made, these belong to the protection scope of the application.
Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. one kind charters application checking method, which comprises
Receive that user terminal sends charters application, it is described charter application and carry charter information；
Pre- examination & approval rule is obtained, and the information of chartering is examined according to the pre- examination & approval rule, charters information when described
When examination & approval pass through, request message is generated according to the information of chartering；
The request message is sent to server, and receives the reference corresponding with the request message that the server is sent
Report；
Anti- fraud rule is obtained, and reference report is audited according to the anti-fraud rule；
When reference report audit passes through, the information of chartering is sent to the server.
2. the method according to claim 1, wherein it is described the request message is sent to server after,
Further include:
When receiving the message that can not obtain reference report corresponding with the request message that the server is sent, generate
The authorization requests of reference report acquisition qualification, and the authorization requests are sent to the user terminal；
Receive the certificate of authority corresponding with the authorization requests that the user terminal returns；
The certificate of authority is sent to the server, the certificate of authority is used to indicate the server to the certificate of authority
It is verified, and returns to the reference report after being proved to be successful.
3. the method according to claim 1, wherein it is described chartered according to information generate request message it
Before, further includes:
Information supplement request is generated, and information supplement request is sent to the user terminal；
Receive the credit related information that the user terminal is returned according to information supplement request；
The information of chartering according to generates request message, comprising:
Information and credit related information generation request message are chartered according to described.
4., will be described the method according to claim 1, wherein described when reference report audit passes through
Information is chartered to be sent to after the server, further includes:
Obtain server transmission charters contract, and the contract is sent to the user terminal；
Receive that the user terminal returns charters the corresponding signing information of contract with described；
The signing information is sent to the server.
5. the method according to claim 1, which is characterized in that described right according to the pre- examination & approval rule
It is described to charter after information examined, further includes:
When the information of chartering examines obstructed out-of-date, the first refuse information of generation；
First refuse information is sent to the user terminal；
Information is chartered according to after first refuse information correction when reception user terminal return, continues the basis
The pre- examination & approval rule examines the information of chartering.
6. the method according to claim 1, which is characterized in that described right according to the anti-fraud rule
After the reference report is audited, further includes:
When obstructed out-of-date, the second refuse information of generation is audited in reference report；
Second refuse information is sent to the user terminal；
When the reception user terminal, which returns to the corresponding review core of second refuse information, requests, continue described according to
It charters information and generates request message.
7. the method according to claim 1, which is characterized in that described right according to the anti-fraud rule
After the reference report is audited, further includes:
When reference report audit passes through, notification message is generated；
The notification message is sent to the user terminal.
8. one kind charters application audit device, which is characterized in that described device includes:
Receiving module charters application for receive user terminal transmission, it is described charter application and carry charter information；
Pre- approval module examines the information of chartering for obtaining pre- examination & approval rule, and according to the pre- examination & approval rule,
When it is described charter information examination & approval pass through when, according to it is described charter information generate request message；
Report acquisition module, for the request message to be sent to server, and receive that the server sends with it is described
The corresponding reference report of request message；
Anti- fraud auditing module for obtaining anti-fraud rule, and is reported the reference according to the anti-fraud rule and is carried out
Audit；
By module, for when reference report audit passes through, the information of chartering to be sent to the server.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In when the processor executes the computer program the step of any one of realization claim 1 to 7 the method.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claim 1 to 7 is realized when being executed by processor.
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| CN201811554483.4A CN109800953B (en) | 2018-12-19 | 2018-12-19 | Method, device, computer equipment and storage medium for checking rented application |
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| CN201811554483.4A CN109800953B (en) | 2018-12-19 | 2018-12-19 | Method, device, computer equipment and storage medium for checking rented application |
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| CN109800953B (en) | 2023-10-31 |
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