CN111105301A

CN111105301A - Information processing method, terminal, server and storage medium

Info

Publication number: CN111105301A
Application number: CN201811248514.3A
Authority: CN
Inventors: 陈进
Original assignee: Simplecredit Micro-Lending Co ltd
Current assignee: Simplecredit Micro-Lending Co ltd
Priority date: 2018-10-25
Filing date: 2018-10-25
Publication date: 2020-05-05
Anticipated expiration: 2038-10-25
Also published as: CN111105301B

Abstract

The embodiment of the invention provides an information processing method, a terminal, a server and a storage medium, wherein the method comprises the following steps: when detecting the access operation of a user for a target recommendation link corresponding to a loan platform, a client responds to the access operation to display an operation interface corresponding to the loan platform; when it is detected that the current operation of the user on the operation interface needs the related information of the recommending party, searching the related information of the recommending party from a local database based on the identity of the recommending party; and if the client searches the relevant information of the recommending party from the local database, the client sends an auditing request aiming at the current operation to the loan platform. By adopting the embodiment of the invention, the information required by the operation of the user can be automatically acquired from the local database, the information interaction between the client and the server side is reduced, and the information processing efficiency is improved.

Description

Information processing method, terminal, server and storage medium

Technical Field

The invention relates to the technical field of internet finance, in particular to an information processing method, a terminal, a server and a storage medium.

Background

With the rapid development of the information age, most enterprises choose to promote products in a network promotion mode to attract more users, and the common method is that links corresponding to the enterprises are sent to the partners, and the partners display the links corresponding to the enterprises on related webpages, so that the users can access the enterprises through the links on the pages of the partners. If the user visits the enterprise on the webpage of the partner, the enterprise stores the information of the partner in the back-end server, and when the access flow of the partner needs to be counted, the front end acquires the information of the partner from the back-end server through interaction with the back-end server.

In the loan industry, besides information of a partner is needed when flow is counted, some operations of a user at the front end also need to be checked based on the information of the partner, if the user needs the information of the partner at multiple positions of the front end, the front end server and the back end server need to interact for multiple times, and therefore the information processing efficiency is low.

Disclosure of Invention

The embodiment of the invention provides an information processing method, a terminal, a server and a storage medium, which can be used for automatically acquiring information required by operation of a user from a local database, reducing information interaction between a client and a server side and improving information processing efficiency.

In a first aspect, an embodiment of the present invention provides an information processing method, including:

when detecting the access operation of a user for a target recommendation link corresponding to the loan platform, the client responds to the access operation to display an operation interface corresponding to the loan platform, and the target recommendation link comprises an identity of a recommending party;

when detecting that the current operation of a user on an operation interface needs the relevant information of a recommending party, the client searches the relevant information of the recommending party from a local database based on the identity of the recommending party;

and if the client searches the relevant information of the recommending party from the local database, the client sends an auditing request aiming at the current operation to the loan platform, wherein the auditing request comprises the relevant information of the recommending party, and the auditing request is used for indicating the loan platform to audit the current operation based on the relevant information of the recommending party.

Optionally, when it is detected that the current operation of the user on the operation interface requires the relevant information of the recommending party, before the client searches the relevant information of the recommending party from the local database based on the identity of the recommending party, the method further includes:

the method comprises the steps that a client sends a request for obtaining relevant information of a recommending party of a loan platform to a cloud server;

the client receives the related information of at least one recommending party of the loan platform sent by the cloud server in response to the acquisition request;

the client stores the related information of at least one recommending party of the loan platform in a local database.

Optionally, the obtaining request carries an identity of the recommending party, and the client receives related information of at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request, where the information includes:

and the client receives the related information of the recommending party matched with the identity identifier in the at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request.

Optionally, after the client finds the relevant information of the recommender from the local database, the method further includes:

and the client sends a notification message to the loan platform, wherein the notification message is used for indicating the loan platform to count the access flow of the target recommendation link and pay the fee to the recommender according to the access flow.

In a second aspect, an embodiment of the present invention provides another information processing method, including:

the loan platform receives an access request which is sent by a client and aims at a target recommendation link corresponding to the loan platform, wherein the access request comprises an identity of a recommending party carried in the target recommendation link;

the loan platform responds to the access request and sends an access response to the client so that the client can display an operation interface corresponding to the loan platform according to the access response;

the loan platform receives an auditing request which is sent by a client and aims at the current operation of a user on an operation interface, the auditing request comprises the relevant information of a recommender, and the current operation is audited based on the relevant information of the recommender, and the relevant information of the recommender is searched by the client from a local database based on the identity of the recommender.

Optionally, before the loan platform receives an access request for a target recommendation link corresponding to the loan platform sent by the client, the method further includes:

the loan platform determines at least one recommending party;

the loan platform acquires the related information of at least one recommending party and stores the related information of at least one recommending party into the cloud server.

Optionally, the method further comprises:

the loan platform acquires the identity of at least one recommending party and generates at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party;

and the loan platform sends the at least one recommendation link to the corresponding recommenders so that the recommenders recommend the user to access the loan platform through the respective corresponding recommendation links.

In a third aspect, an embodiment of the present invention provides an information processing apparatus, including:

the display unit is used for responding to the access operation to display an operation interface corresponding to the loan platform when the access operation of the user on a target recommendation link corresponding to the loan platform is detected, wherein the target recommendation link comprises an identity of a recommending party;

the searching unit is used for searching the relevant information of the recommending party from the local database based on the identity of the recommending party when the fact that the current operation of the user on the operation interface needs the relevant information of the recommending party is detected;

and the sending unit is used for sending an auditing request aiming at the house money operation to the loan platform if the relevant information of the recommending party is searched from the local database, wherein the auditing request comprises the relevant information of the recommending party, and the auditing request is used for indicating the loan platform to audit the current operation based on the relevant information of the recommending party.

Optionally, the information processing apparatus further includes a receiving unit and a storage unit:

the sending unit is further used for sending a request for acquiring the relevant information of the recommending party of the loan platform to the cloud server;

the receiving unit is used for receiving the related information of at least one recommending party of the loan platform sent by the cloud server in response to the acquisition request;

and the storage unit is used for storing the related information of at least one recommending party of the loan platform in a local database.

Optionally, if the obtaining request carries the identity of the recommending party, the receiving unit is specifically configured to:

and receiving the related information of the recommending party matched with the identity in the at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request.

Optionally, the sending unit is further configured to send a notification message to the loan platform, where the notification message is used to instruct the loan platform to count access traffic of the target recommendation link, and pay a fee to the recommender according to the access traffic.

In a fourth aspect, an embodiment of the present invention provides another information processing apparatus, including:

the loan platform processing system comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving an access request which is sent by a client and aims at a target recommendation link corresponding to a loan platform, and the access request comprises an identity of a recommending party carried in the target recommendation link;

the sending unit is used for responding to the access request and sending an access response to the client so that the client can display an operation interface corresponding to the loan platform according to the access response;

the receiving unit is further used for receiving an audit request which is sent by the client and aims at the current operation of the user on the operation interface, wherein the audit request comprises the relevant information of the recommending party;

and the auditing unit is used for auditing the current operation based on the relevant information of the recommender, and the relevant information of the recommender is searched from the local database by the client based on the identity of the recommender.

Optionally, the information processing apparatus further includes a determining unit, an obtaining unit, and a storing unit:

a determining unit for determining at least one recommending party;

the acquisition unit is used for acquiring related information of at least one recommending party;

the storage unit is used for storing the related information of at least one recommending party into the cloud server.

Optionally, the information processing apparatus further includes a generating unit:

the acquiring unit is also used for acquiring the identity of at least one recommending party;

the generating unit is used for generating at least one recommending link corresponding to the loan platform based on the identity of at least one recommending party;

and the sending unit is also used for sending the at least one recommendation link to the corresponding recommending party so that the recommending party recommends the user to access the loan platform through the corresponding recommendation link.

In a fifth aspect, an embodiment of the present invention provides a terminal, including a processor, a receiving device, a sending device, and a memory, where the processor, the receiving device, the sending device, and the memory are connected to each other, the memory is used to store a computer program, the computer program includes program instructions, and the processor is configured to call the program instructions, and execute the information processing method of the first aspect and any optional method thereof.

In a sixth aspect, an embodiment of the present invention provides a server, including a processor, a network interface, and a memory, where the processor, the network interface, and the memory are connected to each other, the memory is used for storing a computer program, the computer program includes program instructions, and the processor is configured to call the program instructions, and execute the information processing method of the second aspect and any optional method thereof.

In a seventh aspect, an embodiment of the present invention provides a computer-readable storage medium, where a first computer program is stored, the first computer program including first program instructions, which, when executed by a processor, cause the processor to execute the first aspect and any optional method thereof; alternatively, the computer readable storage medium stores a second computer program comprising second program instructions which, when executed by the processor, cause the processor to perform the second aspect and any of its alternative methods described above.

In the implementation of the invention, when an access request of a user to the target recommendation link is detected, the client receives an access response of the loan platform to the access request, and displays an operation interface of the loan platform. If the client detects that the current operation of the user on the current operation interface needs the relevant information of the recommending party, the client actively searches the relevant information of the recommending party from the local database, and sends an auditing request to the loan platform based on the current operation and the relevant information of the recommending party, and the loan platform can audit the current operation based on the relevant information of the recommending party, so that the information needed by the operation of the user can be automatically obtained from the local database, the information interaction between the client and the server side is reduced, and the information processing efficiency is improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is an architecture diagram of an information handling system provided by an embodiment of the present invention;

FIG. 2 is a flow chart of an information processing method according to an embodiment of the present invention;

FIG. 3 is a flow chart of another information processing method provided by the embodiment of the invention;

FIG. 4 is a flow chart illustrating a further information processing method according to an embodiment of the present invention;

FIG. 5 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present invention;

FIG. 6 is a schematic structural diagram of another information processing apparatus according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a terminal according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Referring to fig. 1, an architecture diagram of an information processing system provided for an embodiment of the present invention, as shown in fig. 1, may include a terminal 10, a client 20 and a loan platform 30, where the client 20 is running on the terminal 10, and a user may operate the client 20 through the terminal 10, and in an embodiment of the present invention, the client 20 may be a browser client; the loan platform 30 is built by a server of a loan party, and the terminal 10 may be a portable mobile device such as a mobile phone, a notebook computer, a tablet computer, and the like; the terminal 10 may also refer to a non-portable device such as a desktop computer; the terminal 10 may also refer to other devices capable of operating the client 20, and is not particularly limited in the embodiments of the present invention.

In one embodiment, client 20 may be used to: when the access operation of the user for the target recommendation link corresponding to the loan platform 30 is detected, responding to the access operation and displaying an operation interface corresponding to the loan platform; when detecting that the current operation of a user on an operation interface needs the relevant information of a recommending party, searching the relevant information of the recommending party from a local database based on the identity of the recommending party; if the relevant information of the recommending party is found from the local data, an auditing request for the current operation is sent to the loan platform 30, wherein the auditing request may include the relevant information of the recommending party, and the auditing request is used for instructing the loan platform 30 to audit the current operation based on the relevant information of the recommending party.

In one embodiment, when it is detected that the current operation of the user on the operation interface requires the relevant information of the recommending party, before the client 20 searches the relevant information of the recommending party from the local data based on the identity of the recommending party, the client 20 is further configured to: sending a request for acquiring relevant information of a recommending party of the loan platform to a cloud server; receiving related information of at least one recommending party of the loan platform, which is sent by the cloud server in response to the acquisition request; storing information about at least one referrer of the loan platform in a local database.

In an embodiment, if the obtaining request carries the identity of the recommending party, the specific implementation manner of the client 20 for receiving the information about the at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request is to receive the information about the recommending party, which is matched with the identity, of the at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request.

In one embodiment, after the client 20 finds the relevant information of the recommender from the local database, the client 20 is further configured to: and sending a notification message to the loan platform 30, wherein the notification message is used for instructing the loan platform 30 to count the access flow of the target recommendation link and paying the fee to the recommender according to the access flow.

In one embodiment, in the information processing system architecture diagram shown in fig. 1, the loan platform 30 may include a channel management module, a statistics module, and a registration module, where the channel management module may also be referred to as a recommender management module, and is used for managing information of recommenders, and the channel management module includes related information of all recommenders, such as identification information, chinese identifiers, english identifiers, and product descriptions; the statistic module is used for counting the access flow of the target recommendation link of each recommender; the registration module is used for managing the registration information of the user on the loan platform.

In one embodiment, the loan platform 30 is used to: receiving an access request which is sent by a client and aims at a target recommendation link corresponding to a loan platform, wherein the access request comprises an identity of a recommending party carried in the target recommendation link; responding the access request and sending an access response to the client so that the client displays an operation interface corresponding to the loan platform according to the access response; and receiving an auditing request which is sent by the client and aims at the current operation of the user on the operation interface, wherein the auditing request comprises the relevant information of the recommender, and the current operation is audited based on the relevant information of the recommender, and the relevant information of the recommender is searched from a local database by the client based on the identity of the recommender.

In one embodiment, before the loan platform 30 is configured to receive an access request sent by a client for a target recommendation link corresponding to the loan platform, it is further configured to: determining at least one recommending party; and acquiring related information of at least one recommending party, and storing the related information of the at least one recommending party into the cloud server.

In one embodiment, the loan platform 30 is also used to: acquiring the identity of at least one recommending party, and generating at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party; and sending the at least one recommendation link to the corresponding recommenders so that the recommenders recommend the user to access the loan platform through the respective corresponding recommendation links.

Alternatively, in the system architecture diagram shown in fig. 1, the information interaction between the client 20 and the loan platform 30 may be specifically seen in fig. 2. In one embodiment, at least one referrer of the loan platform 30 may present a web page including a target referral link in the client 20, where the target referral link may be in the form of a HyperText transfer protocol (HTTP) link in the web page of the client 20, such as HTTP: www.abc.com? id ═ aishang; alternatively, the target recommendation link may be displayed in the form of a specific picture or icon in the web page of the client 20, such as associating the target recommendation link with the lender identifier and displaying the lender identifier in the web page of the client 20.

As an alternative embodiment, the target recommendation link displayed in the web page of the client 20 by the recommender is the target recommendation link from the loan platform 30 and processed by the loan platform 30. Optionally, the loan platform 30 may first generate a basic link corresponding to the loan platform, where the basic link refers to a link that a user may use to enter an operation interface corresponding to the loan platform, and then the loan platform 30 generates a corresponding recommended link for each recommending party on the basis of the basic link based on an identity of at least one recommending party corresponding to the loan platform, that is, for different recommending parties, the loan platform 30 adds an identity of a specific recommending party to the basic link to obtain a recommended link corresponding to each recommending party. The target recommended link is any one of the recommended links generated by the loan platform 30.

When the user inputs an access operation to the target recommendation link, the access operation may refer to the user clicking an http link or clicking a picture, and the client 20 obtains an identity of a recommender included in the target recommendation link and then obtains information related to the recommender of the target recommendation link based on the identity. Optionally, the client 20 may obtain the related information of the recommending party from the cloud server, specifically, the client 20 may obtain the related information of all recommending parties related to the loan platform from the cloud service and store the related information in the local, and then obtain the related information of the recommending party from the local database based on the identity of the recommending party linked to the target recommendation; alternatively, the client 20 may obtain only the relevant information of the recommending party corresponding to the identity of the recommending party from the cloud server. As a possible implementation manner, if the client 20 obtains the relevant information of the recommending party, it indicates that the recommending party is the recommending party corresponding to the loan platform, otherwise, it indicates that the recommending party is not the recommending party corresponding to the loan platform. If the client 20 obtains the relevant information of the recommending party, the user and the relevant information of the recommending party are bound and stored in the local database, so that the client can directly extract the relevant information of the recommending party corresponding to the user from the local database according to the user when the relevant information of the recommending party relevant to the user needs to be determined subsequently.

The client 20 responds to the access operation of the user and displays an operation interface corresponding to the loan platform, so that the user can register, apply for loan and other matters related to the loan in the operation interface. In the operation process of the user on the operation interface, if the client 20 monitors that the current operation of the user needs the related information of the recommending party, the client 20 directly extracts the related information of the recommending party corresponding to the user from the local database based on the identity of the recommending party, and sends an audit request to the loan platform 30 based on the related information of the recommending party. The loan platform 30 may audit the user's current operations based on the information about the referrer included in the received audit request.

In short, in the embodiment of the present invention, the channel management module of the loan platform 30 may pre-obtain and store the related information of at least one referrer thereof, and store the related information of the at least one referrer in the cloud server, and then the client 20 may obtain the related information of the referrer connected to the target recommendation from the cloud server, and store the related information in the local database, and when the client 20 detects that the operation of the user on the operation interface corresponding to the loan platform 30 on the client requires the related information of the referrer, the client 20 may directly obtain the related information of the referrer from the local database and send the related information to the loan platform 30, thereby reducing information interaction between the client 20 and the server side, and improving information processing efficiency.

Referring to fig. 3, which is a flowchart illustrating another information processing method according to an embodiment of the present invention, the information processing method shown in fig. 3 may be applied to the information processing system shown in fig. 1, and the information processing method shown in fig. 3 may include:

s301, when the access operation of the user for the target recommendation link corresponding to the loan platform is detected, the client responds to the access operation and displays an operation interface corresponding to the loan platform.

The link refers to a connection relationship from one web page to a target, and the target to be pointed to can be another web page, can be a different position on the same web page, and can also be a picture, an email address, a file, or even an application program. In the embodiment of the present invention, the link is also called a recommended link, which refers to a link from one web page of the client to another web page, and the another web page is a web page related to the loan platform. For example, a http: www.baidu.com is displayed in the first webpage, a hundred-degree webpage can be accessed by clicking the http: www.baidu.com, and the http: www.baidu.com can be called a recommended link; for another example, the text "XXX small loan company limited" is displayed in the first webpage, and by clicking the text, the webpage related to XXX small loan may be accessed, and XXX small loan company limited may also be referred to as a recommended link. In short, the representation form of the recommended link in the web page may be an http link, a text form, or a picture form.

In one embodiment, the loan platform is equivalent to a back-end server of the loan party, in order to make the loan party known by more users or attract more users to apply for loans through the loan party, the loan party can publicize in a network promotion manner, in a general manner, the loan party cooperates with some enterprises responsible for network promotion, so that the network promotion enterprises recommend the loan party in the corresponding web pages of the network promotion enterprises, where the network promotion enterprises cooperating with the loan party are referred to as the referrer of the loan party and may also be referred to as the referrer of the loan platform. In the embodiment of the invention, the recommending party of the loan platform can recommend the loan platform to the user by showing the recommending link corresponding to the loan platform in the corresponding webpage.

In one embodiment, recommended links corresponding to the loan platform and displayed by each recommending party of the loan platform in a corresponding webpage are generated for each recommending party by the loan platform, the recommended links comprise identification of the recommending party, and the loan platform can be provided with a plurality of different recommending parties, and the identification of each recommending party is different, so that the recommended links displayed by each recommending party are different, and the target recommended link can be a recommended link corresponding to any recommending party.

In one embodiment, when the client detects that the user inputs clicking or sliding operation on a target recommendation link in a certain recommender webpage, the client can determine that the user executes access operation, and the client generates an access request according to the access operation of the user and sends the access request to the loan platform; the loan platform responds to the access request and sends an access response to the client; and the client receives the access response of the loan platform, and acquires and displays the operation interface of the loan platform corresponding to the access response, so that the user can know or execute various services provided by the loan party such as loan application and the like in the operation interface of the loan platform.

S302, when it is detected that the current operation of the user on the operation interface needs the related information of the recommending party, the client searches the related information of the recommending party from the local database based on the identity of the recommending party.

In one embodiment, the user's current actions on the action interface may refer to user registration actions or loan applications, as well as actions performed by the user on other services that may be provided by the loan platform. The case where the current operation requires the relevant information of the recommender may include: the loan platform needs to audit the current operation according to the relevant information of the recommending party, or the current operation needs to determine the source of the target recommended link. Optionally, the loan platform may set different auditing rules for each recommending party according to the attribute of each recommending party or the cooperation condition between each recommending party and the loan party, so that when the user performs operations such as registration or loan application on the loan platform through the recommendation link of a certain recommending party, the loan platform may audit the user's operations according to the auditing rules corresponding to the certain recommending party. In other embodiments, the loan platform may also set the auditing rules corresponding to each referrer according to other rules.

For example, it is assumed that the recommender cooperating with the loan platform may include a recommender 1 and a recommender 2, and after the recommender 1 requires the user to register and register the property condition of the user by real name, the recommender 1 can access the relevant information of the user only after verification, that is, the access condition set by the recommender 1 is higher, which indicates that the user accessing the loan platform through the recommendation link of the recommender 1 is a user whose personal information is accurate and whose property condition meets the requirement, so the loan platform can set the auditing rule corresponding to the recommender 1 more simply; suppose that the user can access without registering an account, that is, the access condition set by the recommender 2 is low, and at this time, the property condition and the personal information condition of the user are unclear, so that the loan platform can set the auditing rule corresponding to the recommender 2 more complicated.

In one embodiment, before the client searches the relevant information of the recommending party from the local database based on the identity of the recommending party, the method further includes: the method comprises the steps that a client sends a request for obtaining relevant information of a recommending party of a loan platform to a cloud server; the client receives the related information of at least one recommending party of the loan platform sent by the cloud server in response to the acquisition request; the client stores the related information of at least one recommending party of the loan platform in a local database. In other words, the related information of at least one recommending party of the loan platform is stored in the cloud server, and the client can obtain the related information of at least one recommending party of the loan platform by sending an obtaining request to the cloud server and store the related information in the local database, so that the client can directly extract the related information from the local database when the related information of a certain recommending party is needed subsequently, and the information interaction between the client and the cloud server is reduced.

In one embodiment, the cloud server may store information about multiple recommenders of the loan platform, so that the acquisition request sent by the client to the cloud server may include an identity of the loan platform, so that the cloud server may find information about at least one of the recommenders of the loan platform from the cloud server according to the identity of the loan platform. In one embodiment, the information about at least one recommending party of the loan platform stored in the cloud server may be that the loan platform is stored in the cloud server in advance, and the information about the recommending party may include: identity marks, Chinese marks, English marks, product descriptions and the like. It can be understood that the target recommendation link includes an identity of the recommender, and when the client detects that the current operation of the user on the operation interface requires the related information of the recommender, the client may search the related information of the recommender from the local data based on the identity of the recommender included in the target recommendation link.

In conclusion, the client can store the relevant information of all recommenders related to the loan platform in the local database by sending the acquisition request to the cloud server only once, so that the information can be subsequently and directly extracted from the local database and sent to the loan platform when needed, the information interaction among the client, the cloud server and the loan platform is reduced, and the information processing efficiency is improved.

In other embodiments, the client may also obtain only the relevant information of the recommender of the current target recommendation link when detecting the access operation of the user to the target recommendation link. In this case, the obtaining request sent by the client to the cloud server may include the identity of the recommending party and the identity of the loan platform, and after receiving the obtaining request, the cloud server searches the relevant information of the recommending party corresponding to the identity of the recommending party in the loan platform from the stored relevant information of the recommending parties of the loan platforms, and then sends the relevant information to the client. Therefore, if the subsequent operation needs the relevant information of the recommending party, the client can directly extract the relevant information of the recommending party.

And S303, if the client finds the relevant information of the recommending party from the local database, the client sends an auditing request aiming at the current operation to the loan platform.

Optionally, if the client searches for the information related to the recommender from the local database, it indicates that the recommender of the target recommendation link is one of the at least one recommender corresponding to the loan platform, the client generates an audit request for the current operation of the user based on the information related to the recommender, and sends the audit request to the loan platform, where the audit request is used to instruct the loan platform to audit the current operation based on the information related to the recommender.

In one embodiment, after the client finds the relevant information of the recommending party from the local database, the client sends a notification message to the loan platform, wherein the notification message is used for instructing the loan platform to count the access flow of the target recommending link and pay the recommending party according to the access flow. It can be understood that the recommendation party recommends that the loan platform is paid to the user, that is, the loan platform may pay a certain recommendation fee for the recommendation party based on the number of clicks of the target recommendation link corresponding to the recommendation party by the user, or the loan platform may calculate the recommendation fee to be paid to the recommendation party based on whether the user registers on the loan platform after entering the loan platform through the target recommendation link.

In the embodiment of the invention, if the user is detected to execute the access operation aiming at the target recommendation link, the client responds to the access operation to display the operation interface corresponding to the loan platform, then if the current operation of the user on the operation interface needs to be checked based on the related information of the recommender of the target recommendation link, the client can find the related information of the recommender from the local database of the client according to the identity of the recommender in the target recommendation link, further, an audit request comprising the related information of the recommender is sent to the loan platform, the loan platform can check the current operation according to the related information of the recommender, the client can automatically obtain the required information from the local database according to the operation of the user and send the information to the loan platform, and the information interaction between the client and the server side is reduced, the information processing efficiency is improved.

Referring to fig. 4, in order to provide another information processing method according to an embodiment of the present invention, the information processing method may be applied to the information processing system shown in fig. 1, and the information processing method shown in fig. 4 may include:

s401, the loan platform receives an access request which is sent by a client and aims at a target recommendation link corresponding to the loan platform.

In one embodiment, before the loan platform receives an access request sent by a client for a target recommendation link corresponding to the loan platform, the method further includes: the loan platform determines at least one recommending party; the loan platform acquires the related information of at least one recommending party and stores the related information of at least one recommending party into the cloud server. That is, the loan platform pre-selects at least one referrer for recommending the loan platform, and in one embodiment, the loan platform determines the at least one referrer by: the loan platform can send inquiry requests for asking whether a plurality of recommenders are willing to help the recommendation, and if a certain recommender agrees to cooperate with the loan platform, the loan platform sends recommendation requests to the loan platform; the loan platform receives recommendation requests sent by all recommenders, wherein the recommendation requests comprise information of all recommenders, such as operation conditions, user evaluation conditions, identity identification of recommenders, product description and other related information; and the loan platform examines and verifies each recommending party according to the corresponding information of each recommending party in the recommendation request, and the recommending party passing the examination and verification can be determined as the recommending party of the loan platform.

Furthermore, after the loan platform determines at least one recommending party, corresponding recommending links can be generated for the recommending parties, so that the recommending parties recommend users to access the loan platform through the corresponding recommending links. In one embodiment, the loan platform acquires the identity of at least one recommending party and generates at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party; the loan platform sends the at least one recommendation link to the corresponding recommender. Optionally, the manner in which the loan platform generates the at least one recommended link corresponding to the loan platform based on the identity of the at least one recommending party may be: the loan platform firstly generates a basic link, wherein the basic link refers to a link which can enter the loan platform by performing access operation on the basic link; and then, adding the identity of at least one recommending party on the basis of the basic link to obtain at least one recommending link. Optionally, the loan platform may add the identity of the recommending party after the basic link, or the loan platform may add the identity of the recommending party on the basis of the basic link in other ways.

For example, assuming that the referrer of the loan platform is love, the basic link generated by the loan platform is http:// www.xyd.com, and the referrer love generated by the loan platform may correspond to the recommended link of "http:// www.xyd.com? aishang ".

And S402, the loan platform responds to the access request and sends an access response to the client, so that the client displays an operation interface corresponding to the loan platform according to the access response.

Optionally, after receiving the access request sent by the client, the loan platform determines, in response to the access request, an operation interface of the loan platform corresponding to the access request, further generates an access response based on the operation interface and the access request, and sends the access response to the client, so that the client can obtain and display the operation interface corresponding to the loan platform to the user, and the user can know the loan platform through the operation interface or register on the loan platform.

In one embodiment, the loan platform may further receive a notification message sent by the client, where the notification message is used to prompt the loan platform to count the access traffic of the target recommendation link, and pay the recommender a fee according to the access traffic. In short, the loan platform may pay a recommended fee for a recommender based on the access traffic of the recommended link of the recommender. In another embodiment, the loan platform may also pay the referrer based on the user accessing the loan platform through the referral link of the referrer and completing the registration in the loan platform. In other embodiments, the loan platform may also pay the referrer based on the access traffic of the referrer's referral link and the registration of the user in the loan platform through the referral link.

For example, for a recommender, the loan platform may set recommended fee levels A and B, which in turn represent payment rates going from low to high. If the access flow of the recommended link of the recommending party exceeds a first quantity threshold value and the quantity of the users entering the loan platform through the recommended link and completing registration is less than a second threshold value, the recommended fee level is A; if the access flow of the recommended link of the recommending party exceeds a first quantity threshold value, the loan platform is accessed through the recommended link, and the quantity of the users who finish the registration on the loan platform exceeds a second quantity threshold value, the payment level paid by the loan platform to the recommending party is B; if the access flow of the recommended link of the recommending party exceeds a first quantity threshold value and the number of users who access the loan platform through the recommended link and finish registering at the loan platform exceeds a second quantity threshold value. It will be appreciated that the greater the access flow to a particular referrer, the greater the number of users registered in the loan platform through the referral link, and the higher the fee paid by the loan platform. Optionally, the above description is only a feasible way for some loan platforms listed in the embodiments of the present invention to set payment for the referrer, and the embodiments of the present invention are not limited to the specific setting way.

And S403, the loan platform receives an auditing request which is sent by the client and aims at the current operation of the user on the operation interface, the auditing request comprises the relevant information of the recommending party, and the current operation is audited based on the relevant information of the recommending party.

In one embodiment, after receiving the audit request sent by the client, the loan platform may audit the current operation based on the information about the recommender. The auditing request sent by the client is generated when the current operation of the user on the operation interface needs the relevant information of the recommending party. For example, after a user enters an operation interface corresponding to a loan platform through a target recommendation link, the user performs loan application operation in the operation interface, the user is assumed to have a certain step in the loan application process, the loan platform needs to verify the user source, when the client detects that the user operates as the step, the client actively obtains relevant information of a recommender from the local, generates an audit request based on the current operation and the relevant information of the recommender, and sends the audit request to the loan platform; the loan platform audits the step based on the information about the referrer in the audit request.

In one embodiment, the loan platform audits the current operations based on information about the referrer, which may include: the loan platform determines an auditing rule for auditing the current operation based on the related information of the recommending party; and auditing the current operation based on the auditing rule. That is to say, the loan platform may set different auditing rules for different recommenders, and after receiving an auditing request sent by a client, first determine which auditing rule to audit the current operation according to the relevant information of the recommenders in the auditing request, and then audit according to the determined auditing rule. The loan platform may have different auditing rules for different recommenders, so that the same current operation for the user may occur, and if the user sources are different, the auditing results may be different. For example, assuming that the current operation is the property condition of the user needing to be verified, assuming that the auditing rule set by the loan platform for the recommender 1 is that if the user's monthly wage exceeds 1 ten thousand, the auditing rule set for the recommender 2 is that the user's monthly wage exceeds 1 ten thousand and the mortgage property with the value of 20 ten thousand is famous; if the user enters an operation interface of the loan platform through a target recommendation link of the recommender 1 and executes the current operation, the loan platform performs audit according to the audit rule corresponding to the recommender 1, and the audit result is that the audit is passed; and if the user enters the operation interface of the loan platform through the target recommendation link of the recommender 2 and executes the current operation, the loan platform performs the audit according to the audit rule corresponding to the recommender 2, and the audit result is that the audit is not passed. It can be understood that the loan platform may set the auditing rules for the recommender 1 and the recommender 2 separately according to: according to the business conditions of the recommenders 1 and 2, user evaluation and other conditions capable of measuring the feasibility of the recommenders.

In the implementation of the invention, when an access request of a user to the target recommendation link is detected, the client receives an access response of the loan platform to the access request, and displays an operation interface of the loan platform. If the client detects that the current operation of the user on the current operation interface needs the relevant information of the recommending party, the client actively searches the relevant information of the recommending party from the local database, and sends an auditing request to the loan platform based on the current operation and the relevant information of the recommending party, and the loan platform can audit the current operation based on the relevant information of the recommending party, so that the client can automatically obtain the required information from the local database according to the operation of the user and send the information to the loan platform, the information interaction between the client and the server side is reduced, and the information processing efficiency is improved.

Referring to fig. 5, which is a schematic structural diagram of an information processing apparatus according to an embodiment of the present invention, the information processing apparatus shown in fig. 5 may include: display unit 501, search unit 502, and transmission unit 503:

the display unit 501 is configured to, when detecting an access operation of a user for a target recommendation link corresponding to a loan platform, respond to the access operation and display an operation interface corresponding to the loan platform, where the target recommendation link includes an identity of a recommending party;

the searching unit 502 is configured to search, when it is detected that the current operation of the user on the operation interface requires the relevant information of the recommending party, the relevant information of the recommending party from the local database based on the identity of the recommending party;

a sending unit 503, configured to send an audit request for the current operation to the loan platform if the relevant information of the referrer is found from the local database, where the audit request includes the relevant information of the referrer, and the audit request is used to instruct the loan platform to audit the current operation based on the relevant information of the referrer.

Optionally, the information processing apparatus shown in fig. 5 further includes a receiving unit 504 and a storage unit 505:

the sending unit 503 is further configured to send an acquisition request of the relevant information of the recommending party of the loan platform to the cloud server;

a receiving unit 504, configured to receive information about at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request;

the storage unit 505 is used for storing the related information of at least one recommending party of the loan platform in a local database.

Optionally, if the obtaining request carries the identity of the recommending party, the receiving unit 504 is specifically configured to: and receiving the related information of the recommending party matched with the identity in the at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request.

Optionally, the sending unit 503 is further configured to send a notification message to the loan platform, where the notification message is used to instruct the loan platform to count access traffic of the target recommendation link, and pay a fee to the recommender according to the access traffic.

In this embodiment, after detecting an access operation of a user for a target recommendation link and corresponding to the access operation, the display unit 501 displays an operation interface corresponding to the loan platform, if it is detected that the current operation of the user in the operation interface requires the relevant information of the recommender, the search unit 502 searches the relevant information of the recommender in the local database, and if the search unit 502 finds the relevant information of the recommender, the sending unit 503 sends an audit request for the current operation to the loan platform, where the audit request includes the relevant information of the recommender, so that the loan platform can audit the current operation of the user according to the relevant information of the recommender in the audit request, thereby reducing information interaction between the client and the server side, and improving information processing efficiency.

It is understood that the functions of each functional unit and unit of the information processing apparatus of this embodiment may be specifically implemented according to the method in the method embodiment shown in fig. 3, and the specific implementation process may refer to the description related to the method embodiment shown in fig. 3, which is not described herein again.

Referring to fig. 6, a schematic structural diagram of another information processing apparatus according to an embodiment of the present invention is shown in fig. 6, where the information processing apparatus may include: receiving unit 601, transmitting unit 602, and auditing unit 603:

the loan platform recommendation system comprises a receiving unit 601, a processing unit and a processing unit, wherein the receiving unit 601 is used for receiving an access request which is sent by a client and aims at a target recommendation link corresponding to a loan platform, and the access request comprises an identity of a recommending party carried in the target recommendation link;

a sending unit 602, configured to send an access response to the client in response to the access request, so that the client displays an operation interface corresponding to the loan platform according to the access response;

the receiving unit 601 is further configured to receive an audit request sent by a client for a current operation of a user on an operation interface, where the audit request includes related information of a recommender;

the auditing unit 603 is configured to audit the current operation based on the relevant information of the recommender, where the relevant information of the recommender is found from the local database by the client based on the identity of the recommender.

Optionally, the information processing apparatus shown in fig. 6 further includes a determining unit 604, an obtaining unit 605, and a storing unit 606:

a determining unit 604 for determining at least one recommending party;

an obtaining unit 605, configured to obtain relevant information of at least one recommending party;

the storage unit 606 is configured to store the relevant information of the at least one recommending party in the cloud server.

Optionally, the information processing apparatus shown in fig. 6 further includes a generation unit 607:

the obtaining unit 605 is further configured to obtain an identity of at least one recommending party;

the generating unit 607 is configured to generate at least one recommended link corresponding to the loan platform based on the identity of the at least one recommending party;

the sending unit 602 is further configured to send at least one recommendation link to a corresponding recommender, so that the recommenders recommend the user to access the loan platform through the respective corresponding recommendation link.

In this embodiment, after the receiving unit 601 receives an access request sent by a client, the sending unit 602 sends an access response to the client in response to the access request, so that the client can display an operation interface corresponding to the platform according to the access response. When the receiving unit 601 receives an audit request for the current operation of the user on the operation interface sent by the client, the audit unit 603 audits the current operation of the user based on the relevant information of the recommender included in the audit request, so that information interaction between the client and the server is reduced, and information processing efficiency is improved.

It is understood that the functions of each functional unit and unit of the information processing apparatus of this embodiment may be specifically implemented according to the method in the method embodiment shown in fig. 4, and the specific implementation process may refer to the description related to the method embodiment shown in fig. 4, which is not described herein again.

Referring to fig. 7, a schematic block diagram of a terminal according to an embodiment of the present invention is shown. The terminal in the embodiment shown in fig. 7 corresponds to the foregoing client, and the terminal may include: one or more processors 701; one or more receiving devices 702, one or more transmitting devices 703, and memory 704. The processor 701, the receiving apparatus 702, the transmitting apparatus 703, and the memory 704 are connected by a bus 705. The memory 704 is used to store computer programs comprising program instructions, and the processor 701 is used to execute the program instructions stored by the memory 704. Wherein, the processor 701 is configured to call a program instruction to execute:

when detecting the access operation of a user for a target recommendation link corresponding to the loan platform, responding to the access operation to display an operation interface corresponding to the loan platform, wherein the target recommendation link comprises an identity of a recommending party;

when detecting that the current operation of a user on an operation interface needs the relevant information of a recommending party, searching the relevant information of the recommending party from a local database based on the identity of the recommending party;

and if the relevant information of the recommending party is searched from the local database, sending an auditing request aiming at the current operation to the loan platform, wherein the auditing request comprises the relevant information of the recommending party and is used for indicating the loan platform to audit the current operation based on the relevant information of the recommending party.

Optionally, when it is detected that the current operation of the user on the operation interface requires the relevant information of the recommending party, before searching the relevant information of the recommending party from the local database based on the identity of the recommending party, the processor 701 is configured to invoke the program instructions to further perform:

sending a request for acquiring relevant information of a recommending party of the loan platform to a cloud server;

receiving related information of at least one recommending party of the loan platform, which is sent by the cloud server in response to the acquisition request;

storing information about at least one referrer of the loan platform in a local database.

Optionally, the obtaining request carries an identity of the recommending party, and receives information about at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request, where the processor 701 is configured to call a program instruction to specifically execute:

Optionally, after finding the information related to the recommending party from the local database, the processor 701 is configured to call the program instruction to further perform:

and sending a notification message to the loan platform, wherein the notification message is used for indicating the loan platform to count the access flow of the target recommendation link, and paying the fee to the recommender according to the access flow.

It should be understood that, in the embodiment of the present invention, the Processor 701 may be a Central Processing Unit (CPU), and the Processor may also be other general processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The receiving device 702 is used to receive data or information and the sending device 703 is used to send data or information.

The memory 704 may include both read-only memory and random-access memory, and provides instructions and data to the processor 701. A portion of the memory 704 may also include non-volatile random access memory. For example, the memory 704 may also store device type information.

In a specific implementation, the processor 701 described in the embodiment of the present invention may execute the implementation described in the embodiment of the information processing method provided in fig. 3, and may also execute the implementation of the information processing apparatus described in fig. 5, which is not described herein again.

Referring to fig. 8, a schematic block diagram of a server according to an embodiment of the present invention is shown. The server in the embodiment shown in fig. 8 corresponds to the loan platform in the foregoing, and the server may include: one or more processors 801; one or more network interfaces 802 and a memory 803. The processor 801, the network interface 802, and the memory 803 are connected by a bus 804. The memory 803 is used to store computer programs comprising program instructions, and the processor 801 is used to execute the program instructions stored by the memory 803. Wherein the processor 801 is configured to invoke the program instructions to perform:

receiving an access request aiming at a target recommendation link corresponding to the loan platform, wherein the access request comprises an identity of a recommending party carried in the target recommendation link;

responding to the access request and sending an access response to the client so that the client displays an operation interface corresponding to the loan platform according to the access response;

and receiving an auditing request which is sent by the client and aims at the current operation of the user on the operation interface, wherein the auditing request comprises the relevant information of the recommender, and the current operation is audited based on the relevant information of the recommender, and the relevant information of the recommender is searched from a local database by the client based on the identity of the recommender.

Optionally, before receiving an access request sent by the client for a target recommendation link corresponding to the loan platform, the processor 801 is configured to invoke the program instructions to further perform:

determining at least one recommending party;

and acquiring related information of at least one recommending party, and storing the related information of the at least one recommending party into the cloud server.

Optionally, the processor 801 is configured to invoke the program instructions to further perform:

acquiring the identity of at least one recommending party, and generating at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party;

and sending the at least one recommendation link to the corresponding recommenders so that the recommenders recommend the user to access the loan platform through the respective corresponding recommendation links.

It should be understood that in embodiments of the present invention, the processor 801 may be a CPU, and the processor may be other general purpose processors, DSPs, ASICs, FPGAs, or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The network interface 802 is used to receive or transmit data when connecting to a network.

The memory 803 may include both read-only memory and random-access memory, and provides instructions and data to the processor 801. A portion of the memory 803 may also include non-volatile random access memory. For example, the memory 803 may also store information of the device type.

In a specific implementation, the processor 801 described in the embodiment of the present invention may execute the implementation described in the embodiment of the information processing method provided in fig. 4, and may also execute the implementation of the information processing apparatus described in fig. 6, which is not described herein again.

In an embodiment of the invention, there is provided a computer readable storage medium storing a first computer program comprising first program instructions which, when executed by a processor, implement:

Optionally, when it is detected that the current operation of the user on the operation interface requires the relevant information of the recommending party, before searching the relevant information of the recommending party from the local database based on the identity of the recommending party, the first program instructions, when executed by the processor, further implement:

Optionally, the obtaining request carries an identity of the recommending party, and the information related to at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request is received, and the first program instruction is specifically implemented when executed by the processor:

Optionally, after finding the information related to the recommender from the local database, the first program instructions when executed by the processor further implement:

In an embodiment of the invention, there is provided a computer readable storage medium storing a second computer program comprising second program instructions which, when executed by a processor, implement:

Optionally, before receiving an access request sent by the client for a target recommended link corresponding to the loan platform, the second program instructions when executed by the processor further implement:

determining at least one recommending party;

Optionally, the second program instructions, when executed by the processor, further implement:

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware related to instructions of a computer program, and the program can be stored in a computer readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.

While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

Claims

1. An information processing method characterized by comprising:

when detecting the access operation of a user for a target recommendation link corresponding to a loan platform, a client responds to the access operation to display an operation interface corresponding to the loan platform, wherein the target recommendation link comprises an identity of a recommending party;

when detecting that the current operation of the user on the operation interface needs the related information of the recommending party, the client searches the related information of the recommending party from a local database based on the identity of the recommending party;

2. The method according to claim 1, wherein before the client searches the relevant information of the recommending party from a local database based on the identity of the recommending party when detecting that the relevant information of the recommending party is required for the current operation of the user on the operation interface, the method further comprises:

the client sends an acquisition request of the related information of the recommending party of the loan platform to a cloud server;

the client receives the relevant information of at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request;

and the client stores the related information of at least one recommending party of the loan platform in a local database.

3. The method according to claim 2, wherein the obtaining request carries an identity of the recommending party, and the receiving, by the client, the information about at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request comprises:

and the client receives the related information of the recommending party matched with the identity in the at least one recommending party of the loan platform sent by the cloud server in response to the obtaining request.

4. The method according to any one of claims 1 to 3, wherein after the client finds the relevant information of the recommending party from the local database, the method further comprises:

5. An information processing method characterized by comprising:

the method comprises the steps that a loan platform receives an access request which is sent by a client and aims at a target recommendation link corresponding to the loan platform, wherein the access request comprises an identity of a recommending party carried in the target recommendation link;

the loan platform responds to the access request and sends an access response to the client, so that the client displays an operation interface corresponding to the loan platform according to the access response;

the loan platform receives an auditing request which is sent by the client and aims at the current operation of the user on the operation interface, the auditing request comprises the relevant information of the recommending party, and the current operation is audited based on the relevant information of the recommending party, and the relevant information of the recommending party is searched by the client from a local database based on the identity of the recommending party.

6. The method according to claim 4 or 5, wherein before the loan platform receives an access request sent by a client for a target recommendation link corresponding to the loan platform, the method further comprises:

the loan platform determines at least one recommending party;

and the loan platform acquires the related information of the at least one recommending party and stores the related information of the at least one recommending party into a cloud server.

7. The method of claim 6, further comprising:

the loan platform acquires the identity of the at least one recommending party and generates at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party;

and the loan platform sends the at least one recommendation link to a corresponding recommender, so that the recommender recommends the user to access the loan platform through the respective corresponding recommendation link.

8. A terminal, characterized by comprising a processor, a receiving device, a transmitting device and a memory, said processor, said receiving device, said transmitting device and said memory being interconnected, said memory being adapted to store a computer program, said computer program comprising program instructions, the processor being configured to invoke said program instructions to perform the information processing method of any of claims 1-4.

9. A server, characterized by comprising a processor, a network interface and a memory, said processor, said network interface and said memory being interconnected, said memory being adapted to store a computer program, said computer program comprising program instructions, the processor being configured to invoke said program instructions to perform the information processing method of any one of claims 5 to 7.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a first computer program comprising first program instructions that, when executed by a processor, cause the processor to execute the information processing method according to any one of claims 1 to 4; alternatively, the computer-readable storage medium stores a second computer program including second program instructions that, when executed by a processor, cause the processor to execute the information processing method according to any one of claims 5 to 7.