CN110135850A - A kind of information processing method and relevant apparatus - Google Patents
A kind of information processing method and relevant apparatus Download PDFInfo
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- CN110135850A CN110135850A CN201910294814.3A CN201910294814A CN110135850A CN 110135850 A CN110135850 A CN 110135850A CN 201910294814 A CN201910294814 A CN 201910294814A CN 110135850 A CN110135850 A CN 110135850A
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- 230000010365 information processing Effects 0.000 title claims abstract description 24
- 238000003672 processing method Methods 0.000 title claims abstract description 18
- 230000004044 response Effects 0.000 claims abstract description 27
- 238000012550 audit Methods 0.000 claims abstract description 22
- 238000000034 method Methods 0.000 claims description 19
- 230000005540 biological transmission Effects 0.000 claims description 13
- 230000001815 facial effect Effects 0.000 claims description 12
- 238000004891 communication Methods 0.000 claims description 10
- 238000004590 computer program Methods 0.000 claims description 4
- PEDCQBHIVMGVHV-UHFFFAOYSA-N Glycerine Chemical compound OCC(O)CO PEDCQBHIVMGVHV-UHFFFAOYSA-N 0.000 claims description 3
- 238000007726 management method Methods 0.000 abstract description 5
- 230000001737 promoting effect Effects 0.000 abstract 1
- 238000010586 diagram Methods 0.000 description 8
- 230000008569 process Effects 0.000 description 5
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 238000010276 construction Methods 0.000 description 2
- 230000008878 coupling Effects 0.000 description 2
- 238000001514 detection method Methods 0.000 description 2
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 2
- 239000010931 gold Substances 0.000 description 2
- 229910052737 gold Inorganic materials 0.000 description 2
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- 238000005192 partition Methods 0.000 description 1
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Classifications
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- 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
This application involves risk management and control, a kind of information processing method and relevant apparatus are disclosed, comprising: receive the loan requests that terminal is sent；It generates and bank information and the matched authentication interface of business information；The loan requests response for loan requests is sent to terminal；When receiving the authentication submission message that terminal is sent, authentication information is verified；When certification passes through, generate and bank information and the matched loan application interface of business information；Loan application message is sent to terminal；When receiving the loan application submission message that terminal is sent, loan application information is audited；The air control grade of user is determined when audit passes through；When the air control grade of user falls into default air control rate range, loan signing message is sent to terminal；When receiving the loan signing submission message that terminal is sent, message of making loans is sent to terminal.Implement the embodiment of the present invention, be conducive to the efficiency for promoting business handling, promote user experience, extend one's service selection face, realizes air control management.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of information processing methods and relevant apparatus.
Background technique
With the continuous promotion of China's economic level, people's lives level is also higher and higher.However, on the living conditions, people
When often can all encounter capital turnover and do not hold, thus become people in bank loan and solve the method that capital turnover is not opened
One of.
Currently, the first is to choose bank with the help of customer manager when people handle personal loan business, submit
Loan application, second is to submit loan application at the terminal.
However, needing to handle to bank in person, needing to audit when forgetting to carry bank when people select first way
Documentation when, need to go to bank again, lead to not a business handling success, this business handling mode efficiency
It is low.When people select the second way, application software relevant to loan only supports a bank or a loan in the market
The loan transaction of money mechanism, user select face small, also do not support air control management.When user wants to apply for other banks or loan machine
When the loan transaction of structure, need to submit application in different application software, and between different bank or different lending agencies
The documentation for needing user to submit is different, and user is caused to need to fill in different documentations every time, to user experience not
It is good.
Summary of the invention
The embodiment of the invention provides a kind of information processing method and relevant apparatus, implement the embodiment of the present invention, are conducive to
The efficiency of business handling is promoted, user experience is promoted, extend one's service selection face, realizes air control management.
First aspect of the embodiment of the present invention provides a kind of information processing method, comprising:
Receive the loan requests that terminal is sent, wherein the loan requests carry bank information and business information；
It generates and the bank information and the matched authentication interface of the business information；
The loan requests response for the loan requests is sent to the terminal, wherein the loan requests response is taken
Address with the authentication interface, the loan requests response are used to indicate the terminal and parse the authentication interface
Address to show authentication interface；
When receiving the authentication submission message that the terminal is sent, the user in message is submitted to the authentication
Authentication information verified；
When certification passes through, generate and the bank information and the matched loan application interface of the business information；
Loan application message is sent to the terminal, wherein the loan application message carries the loan application interface
Address, the loan application message is used to indicate the terminal and parses the address at the loan application interface to show the loan
Money application interface；
When receiving the loan application submission message that the terminal is sent, the institute in message is submitted to the loan application
The loan application information for stating user is audited；
When audit passes through, the air control grade of the user is determined；
When the air control grade of the user falls into default air control rate range, Xiang Suoshu terminal sends loan signing and disappears
Breath, wherein the loan signing message carries electronics Loan Agreement, and the loan signing message is used to indicate the terminal in institute
The display interface for stating terminal shows the electronics Loan Agreement；
When receiving the loan signing submission message that the terminal is sent, reads the loan signing and submit in message
Electronics Loan Agreement is signed, to send message of making loans to the terminal.
Second aspect of the embodiment of the present invention provides a kind of information processing unit, comprising:
Receiving module, for receiving the loan requests of terminal transmission, wherein the loan requests carry bank information and industry
Business information；
First generation module, for generating and the bank information and the matched authentication interface of the business information；
First sending module, for sending the loan requests response for the loan requests to the terminal, wherein institute
The address that loan requests response carries the authentication interface is stated, the loan requests response is used to indicate the terminal parsing
The address at the authentication interface is to show authentication interface；
Authentication module, for being mentioned to the authentication when receiving the authentication submission message that the terminal is sent
The authentication information of the user in message is handed over to verify；
Second generation module, for generating matched with the bank information and the business information when being verified
Loan application interface；
Second sending module, for sending loan application message to the terminal, wherein the loan application message carries
The address at the loan application interface, the loan application message are used to indicate the terminal and parse the loan application interface
Address is to show the loan application interface；
Auditing module, for being mentioned to the loan application when receiving the loan application submission message that the terminal is sent
The loan application information of the user in message is handed over to audit；
Determining module, for when audit passes through, determining the air control grade of the user；
Third sending module, for when the air control grade of the user falls into default air control rate range, to the end
End sends loan signing message, wherein the loan signing message carries electronics Loan Agreement, and the loan signing message is used for
Indicate that the terminal shows the electronics Loan Agreement in the display interface of the terminal；
Read module, for reading the loan signing when receiving the loan signing submission message that the terminal is sent
The signed electronics Loan Agreement in message is submitted, to send message of making loans to the terminal.
The third aspect of the embodiment of the present invention provides a kind of electronic equipment of information processing, including processor, memory, logical
Believe interface and one or more programs, wherein one or more of programs are stored in the memory, and are matched
It sets and is executed by the processor, include a kind of some or all of information processing method of any one step to execute.
Fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage medium
For storing computer program, the storage computer program is executed matter by the processor, to realize including that any one is a kind of
Information processing method.
As can be seen that after the loan requests that server receiving terminal is sent, generation is asked with loan in above-mentioned technical proposal
The matched authentication interface of bank information and business information in asking, and terminal is issued into the address at authentication interface, eventually
The address at end parsing authentication interface simultaneously shows authentication interface, and then, authentication submission message is issued clothes by terminal
Business device, server submits the authentication information of the user in message to verify authentication, when being verified, generates
Then the address at loan application interface is issued with the bank information and the matched loan application interface of the business information
Terminal, terminal parse the address at loan application interface to show loan application interface, and then, send in server receiving terminal
Loan application submit message after, submit the loan application information of user in message to audit loan application, then,
When audit passes through, the air control grade of user is determined, when the air control grade of user falls into default air control rate range, send out to terminal
The sub- Loan Agreement of power transmission, finally, being sent after the signed electronics Loan Agreement that server receives that the terminal is sent to terminal
It makes loans message, configures different authentication interface and loan application interface according to bank information and business information to realize,
To realize different authentication processs and different loan application processes, Shen is submitted in different application software without user
Please, user's selection is wide, meanwhile, stay indoors can transacting business, business handling it is high-efficient, to promote user experience,
Additionally, it is provided risk class is assessed, air control management is realized.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Wherein:
Fig. 1-a is a kind of flow diagram of information processing method provided in an embodiment of the present invention；
Fig. 1-b is a kind of configuration diagram of communication system provided in an embodiment of the present invention；
Fig. 2-a is the flow diagram of another information processing method provided in an embodiment of the present invention；
Fig. 2-b is the mobile deviant schematic diagram of a kind of face that one embodiment of the present of invention provides；
Fig. 3 is the flow diagram of another information processing method provided in an embodiment of the present invention；
Fig. 4 is a kind of flow diagram of information processing unit provided in an embodiment of the present invention.
Specific embodiment
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 description, 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, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
It is described in detail separately below.
Description and claims of this specification and term " first ", " second ", " third " in above-mentioned attached drawing are to use
In distinguishing different objects, it is not use to describe a particular order.In addition, term " includes " and " having " and their any changes
Shape, it is intended that cover and non-exclusive include.Such as contain the process, method of a series of steps or units, system, product or
Equipment is not limited to listed step or unit, but optionally further comprising the step of not listing or unit or optional
Ground further includes the other step or units intrinsic for these process, methods, product or equipment.
Firstly, being a kind of information processing method that one embodiment of the present of invention provides referring to Fig. 1-a and Fig. 1-b, Fig. 1-a
Flow diagram.Scheme shown in Fig. 1-a can carry out specific embodiment in the system of the framework shown in Fig. 1-b.Wherein, such as Fig. 1-
Shown in a, a kind of information processing method that one embodiment of the present of invention provides may include:
101, the loan requests that server receiving terminal is sent.
Wherein, the loan requests carry bank information and business information.
Wherein, terminal for example can be mobile phone, tablet computer, laptop, palm PC, MID or other mounting portions
Affix one's name to the terminal device of applications client relevant to loan.
102, server generates and the bank information and the matched authentication interface of the business information.
103, server sends the loan requests response for the loan requests to the terminal.
Wherein, the loan requests response carries the address at the authentication interface, and the loan requests response is used for
Indicate that the terminal parses the address at the authentication interface to show authentication interface.
104, message is submitted in the authentication that server receives that the terminal is sent.
105, server submits the authentication information of the user in message to verify the authentication.
106, when being verified, server is generated and the bank information and the matched loan application of the business information
Interface.
107, server sends loan application message to the terminal.
Wherein, the loan application message carries the address at the loan application interface, and the loan application message is used for
Indicate that the terminal parses the address at the loan application interface to show the loan application interface.
108, the loan application that server receives that the terminal is sent submits message.
109, server submits the loan application information of the user in message to audit the loan application.
110, when audit passes through, server determines the air control grade of the user.
111, when the air control grade of the user falls into default air control rate range, server sends to the terminal and borrows
Money signing message.
Wherein, the loan signing message carries electronics Loan Agreement, and the loan signing message is used to indicate the end
It holds and shows the electronics Loan Agreement in the display interface of the terminal.
112, message is submitted in the loan signing that server receives that the terminal is sent.
113, server reads the signed electronics Loan Agreement in the loan signing submission message.
114, server sends message of making loans to the terminal.
- a referring to fig. 2, Fig. 2-a are the process signal for another information processing method that one embodiment of the present of invention provides
Figure.Wherein, as shown in Fig. 2-a, a kind of information processing method that one embodiment of the present of invention provides may include:
201, the loan requests that server receiving terminal is sent.
Wherein, the loan requests carry bank information and business information.
Wherein, terminal for example can be mobile phone, tablet computer, laptop, palm PC, MID or other mounting portions
Affix one's name to the terminal device of applications client relevant to loan.
202, server generates and the bank information and the matched authentication interface of the business information.
Optionally, in a kind of possible embodiment of the invention, the generation and the bank information and the industry
The authentication interface for information matches of being engaged in, comprising:
It is searched and the matched N identification authentication data of the bank information from identification authentication data library, wherein N is positive
Integer；It is searched and the matched M identification authentication data of the business information from the N identification authentication data, wherein M is
Positive integer, M≤N；Generate the authentication interface comprising the M identification authentication data.
Wherein, N for example can be equal to 1,2,3,5,6,11,13,20 or other values.
Wherein, M for example can be equal to 1,2,3,5,6,11,13,20 or other values.
203, authentication information of the server based on the terminal carries out authentication to the terminal.
Wherein, loan requests carry the authentication information of the terminal.
204, when authentication passes through, server construction communication channel, with by the communication channel to the terminal
Send the loan requests response
Wherein, the loan requests response carries the address at the authentication interface, and the loan requests response is used for
Indicate that the terminal parses the address at the authentication interface to show authentication interface.
205, message is submitted in the authentication that server receives that the terminal is sent.
206, server submits the authentication information of the user in message to verify the authentication.
Optionally, described to receive the terminal transmission in a first aspect, in a kind of possible embodiment of the invention
Authentication when submitting message, submit the authentication information of user in message to verify the authentication, wrap
It includes:
When receiving the authentication submission message that the terminal is sent, the institute in the authentication submission message is read
State authentication information；Extract the video information and identity card positive information in the authentication information；Obtain the video
The mobile deviant of the first facial image and face in information；The mobile deviant of the face and default mobile deviant are carried out
Comparison, to determine offset difference；When the offset difference is fallen into default mobile deviant difference range, the identity is obtained
Demonstrate,prove the second facial image in positive information；First facial image and second facial image are compared, if right
Than success, then the authentication information remaining in the authentication information is verified according to default proof rule.
It wherein, is that the mobile deviant of a kind of face that one embodiment of the present of invention provides is shown referring to such as Fig. 2-b, Fig. 2-b
It is intended to, the mobile deviant of face includes:
The deviant of first horizontal axis center line and the second horizontal axis center line, wherein the first horizontal axis center line is rectangle
Horizontal axis center line, the second horizontal axis center line is the mobile horizontal axis boundary line of the face of the user, the horizontal axis boundary
Line includes boundary line and horizontal axis left side boundary line on the right of horizontal axis, and the rectangle is the recording region for recording the mobile deviant of the face；
Alternatively, the deviant of the first longitudinal axial centerline and the second longitudinal axial centerline, wherein first longitudinal axial centerline is
The longitudinal axial centerline of rectangle, second longitudinal axial centerline are the mobile longitudinal axis boundary line of the face of the user, the longitudinal axis
Boundary line includes longitudinal axis upper border line and the following boundary line of the longitudinal axis.
Wherein, the deviant of the first horizontal axis center line and the second horizontal axis center line includes:
The right deviant of the first horizontal axis center line and the second horizontal axis center line, wherein the right deviant is
The deviant in boundary line on the right of the first horizontal axis center line and the horizontal axis；
Alternatively, the left deviant of the first horizontal axis center line and the second horizontal axis center line, wherein the right avertence is moved
Value is the deviant of the first horizontal axis center line and horizontal axis left side boundary line.
Wherein, the deviant of the first longitudinal axial centerline and the second longitudinal axial centerline includes:
The upper deviant of first longitudinal axial centerline and second longitudinal axial centerline, wherein the upper deviant is
The deviant of first longitudinal axial centerline and longitudinal axis upper border line；
Alternatively, the lower deviant of first longitudinal axial centerline and second longitudinal axial centerline, wherein the lower offset
Value is the deviant of first longitudinal axial centerline and the following boundary line of the longitudinal axis.
For example, it when user moves right face according to prompt operation to the right, is moved in the recording face of terminal
The recording region of dynamic deviant shows that success is then recorded when the face of user is moved to target area in boundary line on the right of horizontal axis.
Again for example, when face is moved to the left by user according to prompt operation to the left, in the recording face of terminal
The recording region of mobile deviant shows that success is then recorded when the face of user is moved to target area in horizontal axis left side boundary line.
Again for example, when user moves down face according to downward prompt operation, in the recording face of terminal
The recording region of mobile deviant shows that success is then recorded when the face of user is moved to target area in the following boundary line of the longitudinal axis.
Again for example, when user moves up face according to upward prompt operation, in the recording face of terminal
The recording region of mobile deviant shows that longitudinal axis upper border line then records success when the face of user is moved to target area.
Optionally, based in a first aspect, in a kind of possible embodiment of the invention, the default mobile deviant
It include: default mobile right deviant, default mobile left deviant, default mobile upper deviant and default mobile lower deviant.
It can be seen that above-mentioned technical proposal, by comparing the mobile deviant of face and default mobile deviant, deviated
Difference realizes the identity that user is authenticated by dynamic picture, it is ensured that the authenticity of user identity.
207, when being verified, server is generated and the bank information and the matched loan application of the business information
Interface.
208, server sends loan application message to the terminal.
Wherein, the loan application message carries the address at the loan application interface, and the loan application message is used for
Indicate that the terminal parses the address at the loan application interface to show the loan application interface.
209, the loan application that server receives that the terminal is sent submits message.
210, server submits the loan application information of the user in message to audit the loan application.
Optionally, described to receive the terminal transmission in a first aspect, in a kind of possible embodiment of the invention
Loan application when submitting message, submit the loan application information of the user in message to examine the loan application
Core, comprising:
When receiving the loan application submission message that the terminal is sent, the institute in the loan application submission message is read
State loan application information；Extract the age of user described in the loan application information and the monthly income of the user；Described
The age of user in described default the range of age, calculates the monthly income of the user and the monthly income difference of default monthly income；
The monthly income difference and the default monthly income difference are compared；It is less than in the monthly income difference and receives the default moon
When entering difference, the loan application information remaining in the loan application information is examined according to default loan application rule
Core.
Optionally, based in a first aspect, in a kind of possible embodiment of the invention, the year in the user
Age in described default the range of age, before calculating the monthly income of the user and the monthly income difference of the default monthly income,
Include:
The estimated amount of the loan is extracted from the loan application information；According to default refund rule to the estimated loan gold
Volume is calculated, and monthly answers repayment amount to obtain the user；Repayment amount is monthly answered to be set as described default the user
Monthly income.
211, when audit passes through, server determines the air control grade of the user.
Optionally, described when the audit passes through in a kind of possible embodiment of the invention, determine the use
The air control grade at family, comprising:
When audit passes through, the K history collage-credit data of the user is obtained from history collage-credit data library, wherein K is
Positive integer；The variance of the K history collage-credit data is determined, to obtain history reference variance yields；Obtain L default reference variances
Value, wherein L is positive integer；It is searched from the L default reference variance yields matched default with the history reference variance yields
Reference variance yields；It is searched and the default matched air control grade of reference variance yields from air control rating database, wherein described
Air control grade is the air control grade of the user.
Wherein, K for example can be equal to 1,2,3,5,6,11,13,20 or other values.
Wherein, L for example can be equal to 1,2,3,5,6,11,13,20 or other values.
212, when the air control grade of the user falls into default air control rate range, server sends to the terminal and borrows
Money signing message.
Wherein, the loan signing message carries electronics Loan Agreement, and the loan signing message is used to indicate the end
It holds and shows the electronics Loan Agreement in the display interface of the terminal.
213, message is submitted in the loan signing that server receives that the terminal is sent.
214, server reads the signed electronics Loan Agreement in the loan signing submission message.
215, server sends message of making loans to the terminal.
Referring to Fig. 3, Fig. 3 is the flow diagram for another information processing method that one embodiment of the present of invention provides.
Wherein, as shown in figure 3, a kind of information processing method that one embodiment of the present of invention provides may include:
301, the loan requests that server receiving terminal is sent.
Wherein, the loan requests carry bank information and business information.
Wherein, terminal for example can be mobile phone, tablet computer, laptop, palm PC, MID or other mounting portions
Affix one's name to the terminal device of applications client relevant to loan.
302, server generates and the bank information and the matched authentication interface of the business information.
Optionally, in a kind of possible embodiment of the invention, the generation and the bank information and the industry
The authentication interface for information matches of being engaged in, comprising:
It is searched and the matched N identification authentication data of the bank information from identification authentication data library, wherein N is positive
Integer；It is searched and the matched M identification authentication data of the business information from the N identification authentication data, wherein M is
Positive integer, M≤N；Generate the authentication interface comprising the M identification authentication data.
Wherein, N for example can be equal to 1,2,3,5,6,11,13,20 or other values.
Wherein, M for example can be equal to 1,2,3,5,6,11,13,20 or other values.
303, authentication information of the server based on the terminal carries out authentication to the terminal.
Wherein, loan requests carry the authentication information of the terminal.
304, when authentication passes through, server construction communication channel, with by the communication channel to the terminal
Send the loan requests response
Wherein, the loan requests response carries the address at the authentication interface, and the loan requests response is used for
Indicate that the terminal parses the address at the authentication interface to show authentication interface.
305, message is submitted in the authentication that server receives that the terminal is sent.
306, server submits the authentication information of the user in message to verify the authentication.
Optionally, described to receive the terminal transmission in a first aspect, in a kind of possible embodiment of the invention
Authentication when submitting message, submit the authentication information of user in message to verify the authentication, wrap
It includes:
When receiving the authentication submission message that the terminal is sent, the institute in the authentication submission message is read
State authentication information；Extract the video information and identity card positive information in the authentication information；Obtain the video
The mobile deviant of the first facial image and face in information；The mobile deviant of the face and default mobile deviant are carried out
Comparison, to determine offset difference；When the offset difference is fallen into default mobile deviant difference range, the identity is obtained
Demonstrate,prove the second facial image in positive information；First facial image and second facial image are compared, if right
Than success, then the authentication information remaining in the authentication information is verified according to default proof rule.
Wherein, the mobile deviant of face includes:
The deviant of first horizontal axis center line and the second horizontal axis center line, wherein the first horizontal axis center line is rectangle
Horizontal axis center line, the second horizontal axis center line is the mobile horizontal axis boundary line of the face of the user, the horizontal axis boundary
Line includes boundary line and horizontal axis left side boundary line on the right of horizontal axis, and the rectangle is the recording region for recording the mobile deviant of the face；
Alternatively, the deviant of the first longitudinal axial centerline and the second longitudinal axial centerline, wherein first longitudinal axial centerline is
The longitudinal axial centerline of rectangle, second longitudinal axial centerline are the mobile longitudinal axis boundary line of the face of the user, the longitudinal axis
Boundary line includes longitudinal axis upper border line and the following boundary line of the longitudinal axis.
Wherein, the deviant of the first horizontal axis center line and the second horizontal axis center line includes:
The right deviant of the first horizontal axis center line and the second horizontal axis center line, wherein the right deviant is
The deviant in boundary line on the right of the first horizontal axis center line and the horizontal axis；
Alternatively, the left deviant of the first horizontal axis center line and the second horizontal axis center line, wherein the right avertence is moved
Value is the deviant of the first horizontal axis center line and horizontal axis left side boundary line.
Wherein, the deviant of the first longitudinal axial centerline and the second longitudinal axial centerline includes:
The upper deviant of first longitudinal axial centerline and second longitudinal axial centerline, wherein the upper deviant is
The deviant of first longitudinal axial centerline and longitudinal axis upper border line；
Alternatively, the lower deviant of first longitudinal axial centerline and second longitudinal axial centerline, wherein the lower offset
Value is the deviant of first longitudinal axial centerline and the following boundary line of the longitudinal axis.
For example, it when user moves right face according to prompt operation to the right, is moved in the recording face of terminal
The recording region of dynamic deviant shows that success is then recorded when the face of user is moved to target area in boundary line on the right of horizontal axis.
Again for example, when face is moved to the left by user according to prompt operation to the left, in the recording face of terminal
The recording region of mobile deviant shows that success is then recorded when the face of user is moved to target area in horizontal axis left side boundary line.
Again for example, when user moves down face according to downward prompt operation, in the recording face of terminal
The recording region of mobile deviant shows that success is then recorded when the face of user is moved to target area in the following boundary line of the longitudinal axis.
Again for example, when user moves up face according to upward prompt operation, in the recording face of terminal
The recording region of mobile deviant shows that longitudinal axis upper border line then records success when the face of user is moved to target area.
Optionally, based in a first aspect, in a kind of possible embodiment of the invention, the default mobile deviant
It include: default mobile right deviant, default mobile left deviant, default mobile upper deviant and default mobile lower deviant.
It can be seen that above-mentioned technical proposal, by comparing the mobile deviant of face and default mobile deviant, deviated
Difference realizes the identity that user is authenticated by dynamic picture, it is ensured that the authenticity of user identity.
307, when being verified, server is generated and the bank information and the matched loan application of the business information
Interface.
308, server sends loan application message to the terminal.
Wherein, the loan application message carries the address at the loan application interface, and the loan application message is used for
Indicate that the terminal parses the address at the loan application interface to show the loan application interface.
309, the loan application that server receives that the terminal is sent submits message.
310, server submits the loan application information of the user in message to audit the loan application.
Optionally, described to receive the terminal transmission in a first aspect, in a kind of possible embodiment of the invention
Loan application when submitting message, submit the loan application information of the user in message to examine the loan application
Core, comprising:
When receiving the loan application submission message that the terminal is sent, the institute in the loan application submission message is read
State loan application information；Extract the age of user described in the loan application information and the monthly income of the user；Described
The age of user in described default the range of age, calculates the monthly income of the user and the monthly income difference of default monthly income；
The monthly income difference and the default monthly income difference are compared；It is less than in the monthly income difference and receives the default moon
When entering difference, the loan application information remaining in the loan application information is examined according to default loan application rule
Core.
Optionally, based in a first aspect, in a kind of possible embodiment of the invention, the year in the user
Age in described default the range of age, before calculating the monthly income of the user and the monthly income difference of the default monthly income,
Include:
The estimated amount of the loan is extracted from the loan application information；According to default refund rule to the estimated loan gold
Volume is calculated, and monthly answers repayment amount to obtain the user；Repayment amount is monthly answered to be set as described default the user
Monthly income.
311, when audit passes through, server obtains the K history reference number of the user from history collage-credit data library
According to.
Wherein, K is positive integer.
Wherein, K for example can be equal to 1,2,3,5,6,11,13,20 or other values.
312, server determines the variance of the K history collage-credit data, to obtain history reference variance yields.
313, server obtains L default reference variance yields.
Wherein, L is positive integer.
Wherein, L for example can be equal to 1,2,3,5,6,11,13,20 or other values.
314, server is searched matched default with the history reference variance yields from the L default reference variance yields
Reference variance yields.
315, server is searched and the default matched air control grade of reference variance yields from air control rating database.
Wherein, the air control grade is the air control grade of the user.
316, when the air control grade of the user falls into default air control rate range, server sends to the terminal and borrows
Money signing message.
Wherein, the loan signing message carries electronics Loan Agreement, and the loan signing message is used to indicate the end
It holds and shows the electronics Loan Agreement in the display interface of the terminal.
317, message is submitted in the loan signing that server receives that the terminal is sent.
318, server reads the signed electronics Loan Agreement in the loan signing submission message.
Optionally, described in the loan label for receiving the terminal transmission in a kind of possible embodiment of the invention
When about submitting message, the signed electronics Loan Agreement in the loan signing submission message is read, to send to the terminal
It makes loans message, comprising:
When receiving the loan signing submission message that the terminal is sent, reads the loan signing and submit in message
Sign electronics Loan Agreement；
Compliance detection is carried out to the signed electronics Loan Agreement；
When compliance detection passes through, Xiang Suoshu terminal sends message of making loans.
319, server sends message of making loans to the terminal.
Referring to fig. 4, a kind of information processing unit 400 of one embodiment of the present of invention offer may include:
Receiving module 401, for receiving the loan requests of terminal transmission.
Wherein, the loan requests carry bank information and business information.
Wherein, terminal for example can be mobile phone, tablet computer, laptop, palm PC, MID or other mounting portions
Affix one's name to the terminal device of applications client relevant to loan.
First generation module 402, for generating and the bank information and matched authentication circle of the business information
Face.
First sending module 403, for sending the loan requests response for the loan requests to the terminal.
Wherein, the loan requests response carries the address at the authentication interface, and the loan requests response is used for
Indicate that the terminal parses the address at the authentication interface to show authentication interface.
Authentication module 404, when for submitting message in the authentication for receiving the terminal transmission, to the authentication
The authentication information of the user in message is submitted to verify.
Second generation module 405, for when being verified, generation to be matched with the bank information and the business information
Loan application interface.
Second sending module 406, for sending loan application message to the terminal.
Wherein, the loan application message carries the address at the loan application interface, and the loan application message is used for
Indicate that the terminal parses the address at the loan application interface to show the loan application interface.
Auditing module 407, when for submitting message in the loan application for receiving the terminal transmission, to the loan application
The loan application information of the user in message is submitted to audit.
Determining module 408, for when audit passes through, determining the air control grade of the user.
Third sending module 409, for when the air control grade of the user falls into default air control rate range, Xiang Suoshu
Terminal sends loan signing message.
Wherein, the loan signing message carries electronics Loan Agreement, and the loan signing message is used to indicate the end
It holds and shows the electronics Loan Agreement in the display interface of the terminal.
Read module 410, for reading the loan label when receiving the loan signing submission message that the terminal is sent
The signed electronics Loan Agreement in message is submitted, about to send message of making loans to the terminal.
It should be noted that for the various method embodiments described above, for simple description, therefore, it is stated as a series of
Combination of actions, but those skilled in the art answer it is described know, the present invention is not limited by the sequence of acts described, because
For according to the present invention, some steps may be performed in other sequences or simultaneously.Secondly, those skilled in the art also Ying Suoshu
Know, the embodiments described in the specification are all preferred embodiments, related actions and modules not necessarily this hair
Necessary to bright.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment
Point, reference can be made to the related descriptions of other embodiments.
In several embodiments provided herein, it should be understood that arriving, disclosed device can be by others side
Formula is realized.For example, the apparatus embodiments described above are merely exemplary, such as the division of the module, only one
Kind of logical function partition, there may be another division manner in actual implementation, for example, multiple module or components can combine or
It is desirably integrated into another system, or some features can be ignored or not executed.Another point, it is shown or discussed it is mutual it
Between coupling, direct-coupling or communication connection can be through some interfaces, the INDIRECT COUPLING or communication link of device or module
It connects, can be electrical or other forms.
The module as illustrated by the separation member may or may not be physically separated, aobvious as module
The component shown may or may not be physical module, it can and it is in one place, or may be distributed over multiple
On network module.Some or all of the modules therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
It, can also be in addition, each functional module in each embodiment of the present invention can integrate in a processing module
It is that modules physically exist alone, can also be integrated in two or more modules in a module.Above-mentioned integrated mould
Block both can take the form of hardware realization, can also be realized in the form of software function module.
If the integrated module is realized in the form of software function module and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be with the shape of software product in other words
Formula embodies, and the computer software product is stored in a storage medium, including some instructions are used so that a meter
It calculates machine equipment (can be personal computer, server or network equipment etc.) and executes the complete of each embodiment the method for the present invention
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, read-only memory (ROM, Read-Only Memory), deposits at random
Access to memory (RAM, Random Access Memory), mobile hard disk, magnetic or disk etc. are various to can store program generation
The medium of code.
The above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although referring to before
Stating embodiment, invention is explained in detail, those skilled in the art should understand that: it still can be to preceding
Technical solution documented by each embodiment is stated to modify or equivalent replacement of some of the technical features；And these
It modifies or replaces, the range for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of information processing method characterized by comprising
Receive the loan requests that terminal is sent, wherein the loan requests carry bank information and business information；
It generates and the bank information and the matched authentication interface of the business information；
The loan requests response for the loan requests is sent to the terminal, wherein the loan requests response carries institute
The address at authentication interface is stated, the loan requests response is used to indicate the ground that the terminal parses the authentication interface
Location is to show authentication interface；
When receiving the authentication submission message that the terminal is sent, the body of the user in message is submitted to the authentication
Part authentication information is verified；
When being verified, generate and the bank information and the matched loan application interface of the business information；
Loan application message is sent to the terminal, wherein the loan application message carries the ground at the loan application interface
Location, the loan application message are used to indicate the terminal and parse the address at the loan application interface to show the loan Shen
It please interface；
When receiving the loan application submission message that the terminal is sent, the user in message is submitted to the loan application
Loan application information audited；
When audit passes through, the air control grade of the user is determined；
When the air control grade of the user falls into default air control rate range, Xiang Suoshu terminal sends loan signing message,
In, the loan signing message carries electronics Loan Agreement, and the loan signing message is used to indicate the terminal at the end
The display interface at end shows the electronics Loan Agreement；
When receiving the loan signing submission message that the terminal is sent, the signed in message is submitted in the reading loan signing
Electronics Loan Agreement, to send message of making loans to the terminal.
2. the method according to claim 1, wherein the loan requests carry the authentication letter of the terminal
Breath, the loan requests response sent to the terminal for the loan requests, comprising:
Authentication information based on the terminal carries out authentication to the terminal；
When authentication passes through, communication channel is constructed, is asked with sending the loan to the terminal by the communication channel
Ask response.
3. the method according to claim 1, wherein the generation and the bank information and the business information
Matched authentication interface, comprising:
It is searched and the matched N identification authentication data of the bank information from identification authentication data library, wherein N is positive integer；
It is searched and the matched M identification authentication data of the business information from the N identification authentication data, wherein M is positive
Integer, M≤N；
Generate the authentication interface comprising the M identification authentication data.
4. the method according to claim 1, wherein described submit in the authentication for receiving the terminal transmission
When message, the authentication information of the user in message is submitted to verify the authentication, comprising:
When receiving the authentication submission message that the terminal is sent, the body in the authentication submission message is read
Part authentication information；
Extract the video information and identity card positive information in the authentication information；
Obtain the first facial image and the mobile deviant of face in the video information；
The mobile deviant of the face and default mobile deviant are compared, to determine offset difference；
When the offset difference is fallen into default mobile deviant difference range, the in the identity card positive information is obtained
Two facial images；
First facial image and second facial image are compared, if comparing successfully, advised according to default verifying
Then the authentication information remaining in the authentication information is verified.
5. the method according to claim 1, wherein described submit in the loan application for receiving the terminal transmission
When message, the loan application information of the user in message is submitted to audit the loan application, comprising:
When receiving the loan application submission message that the terminal is sent, the loan in the loan application submission message is read
Money application information；
Extract the age of user described in the loan application information and the monthly income of the user；
The user age in described default the range of age, calculate the monthly income of the user and the moon of default monthly income
Take in difference；
The monthly income difference and the default monthly income difference are compared；
When the monthly income difference is less than the default monthly income difference, according to default loan application rule to the loan Shen
It the remaining loan application information please be audited in information.
6. according to the method described in claim 5, it is characterized in that, the age in the user in the default age model
When enclosing, before calculating the monthly income of the user and the monthly income difference of the default monthly income, comprising:
The estimated amount of the loan is extracted from the loan application information；
The estimated amount of the loan is calculated according to default refund rule, monthly answers repayment amount to obtain the user；
Repayment amount is monthly answered to be set as the default monthly income user.
7. method according to any one of claims 1 to 6, which is characterized in that it is described when the audit passes through, described in determination
The air control grade of user, comprising:
When audit passes through, the K history collage-credit data of the user is obtained from history collage-credit data library, wherein K is positive whole
Number；
The variance of the K history collage-credit data is determined, to obtain history reference variance yields；
Obtain L default reference variance yields, wherein L is positive integer；
It is searched and the matched default reference variance yields of the history reference variance yields from the L default reference variance yields；
It is searched and the default matched air control grade of reference variance yields from air control rating database, wherein described air control etc.
Grade is the air control grade of the user.
8. a kind of information processing unit characterized by comprising
Receiving module, for receiving the loan requests of terminal transmission, wherein the loan requests carry bank information and business letter
Breath；
First generation module, for generating and the bank information and the matched authentication interface of the business information；
First sending module, for sending the loan requests response for the loan requests to the terminal, wherein the loan
Money request response carries the address at the authentication interface, and the loan requests response is used to indicate described in the terminal parsing
The address at authentication interface is to show authentication interface；
Authentication module, for disappearing to authentication submission when receiving the authentication submission message that the terminal is sent
The authentication information of user in breath is verified；
Second generation module, for generating and the bank information and the matched loan of the business information when being verified
Apply for interface；
Second sending module, for sending loan application message to the terminal, wherein described in the loan application message carries
The address at loan application interface, the loan application message are used to indicate the address that the terminal parses the loan application interface
To show the loan application interface；
Auditing module, for disappearing to loan application submission when receiving the loan application submission message that the terminal is sent
The loan application information of the user in breath is audited；
Determining module, for when audit passes through, determining the air control grade of the user；
Third sending module, for when the air control grade of the user falls into default air control rate range, Xiang Suoshu terminal to be sent out
Send loan signing message, wherein the loan signing message carries electronics Loan Agreement, and the loan signing message is used to indicate
The terminal shows the electronics Loan Agreement in the display interface of the terminal；
Read module, for reading the loan signing and submitting when receiving the loan signing submission message that the terminal is sent
Signed electronics Loan Agreement in message, to send message of making loans to the terminal.
9. a kind of electronic equipment of information processing, which is characterized in that including processor, memory, communication interface and one or
Multiple programs, wherein one or more of programs are stored in the memory, and are generated and are held by the processor
Row requires the instruction of the step in any one of 1-7 method with perform claim.
10. a kind of computer readable storage medium, which is characterized in that the computer readable storage medium is for storing computer
Program, the storage computer program are executed by the processor, to realize the described in any item methods of claim 1-7.
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| CN201910294814.3A CN110135850A (en) | 2019-04-12 | 2019-04-12 | A kind of information processing method and relevant apparatus |
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| CN201910294814.3A CN110135850A (en) | 2019-04-12 | 2019-04-12 | A kind of information processing method and relevant apparatus |
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