CN112488823A - Document data processing method and device in loan business and computer equipment - Google Patents
Document data processing method and device in loan business and computer equipment Download PDFInfo
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- 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
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
Abstract
The invention discloses a method, a device and computer equipment for processing document data in loan service, wherein the method comprises the following steps: after a loan request (including signed first document information corresponding to a document related to the loan request) submitted by a terminal is received, an operation interface for identity verification (including second document information of the document related to the identity verification which needs to be signed) is provided, the identity of a loan user is verified, time information which passes the identity verification is determined, corresponding timestamp information is generated, the signed second document information, the information related to the identity verification, the time information and the timestamp information are calculated through a Hash algorithm to obtain a first Hash value, and the first document information is electronically signed through the second Hash value which is obtained by calculating the first document information through the Hash algorithm according to the first Hash value to generate a document with an electronic signature. The invention can improve the safety, reliability and proof power of the document with the electronic signature.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a device for processing document data in loan transaction and computer equipment.
Background
In the process of loan transaction, a large number of documents (such as entrusted security contract, entrusted authorization book, personal loan statement, etc.) are involved, and the compliance legitimacy of the documents is very important for the loan users. Taking the entrusted guarantee contract in the loan transaction as an example, when a loan user makes an objection to the validity of the entrusted guarantee contract (hereinafter referred to as an referred contract), usually, a third-party certification authority (such as the existing digital certification center) provides a processing record and a verification document for signing an electronic signature, a notarization document of a signing process, and the like, and can play an obvious positive role in dealing with the objection made by the loan user on contract establishment or contract effectiveness.
The electronic signature signed by the existing digital authentication center can be found for any change of the signed electronic signature and any change of the content and the form of a data message, namely, the electronic signature can play a role in proving that a document is not tampered after being signed with the electronic signature, but can not prove the confidence of the document from the time of signing the electronic signature to the time of submitting the document to the digital authentication center for signing the electronic signature, so that the electronic signature does not have the complete connotation of a reliable electronic signature, namely, the existing signed electronic signature document is not ideal in the aspect of reliability.
The related technology aims at the problem that the reliability of the documents signed with the electronic signature in the loan service is not ideal, and an effective solution is not provided at present.
Disclosure of Invention
The invention aims to provide a document data processing method, a document data processing device and computer equipment in loan service, which can improve the safety, reliability and proof power of documents with electronic signatures.
According to one aspect of the invention, a method for processing document data in loan transaction is provided, the method comprising:
receiving a loan request submitted by a terminal, wherein the loan request comprises first document information corresponding to a signed document related to the loan request;
providing an operation interface for performing identity verification on the loan user, and calling a preset interface related to the identity verification to perform identity verification on the loan user after receiving information related to the identity verification, wherein the interface comprises second document information corresponding to documents related to the identity verification and needing to be signed;
if the loan user passes the authentication, determining the time information of passing the authentication, and generating corresponding timestamp information according to the time information;
calculating second document information corresponding to the document signed by the loan user and related to the identity verification, information related to the identity verification, time information and timestamp information by using a Hash algorithm to obtain a first Hash value;
and calling a preset interface for generating the electronic signature, and carrying out electronic signature on the first document information according to the first hash value and a second hash value obtained by calculating the first document information by a hash algorithm so as to generate a document file with the electronic signature.
Optionally, the method further includes:
and providing an operation interface for inputting loan application information and displaying first document information corresponding to documents related to the loan request and needing to be signed.
Based on this, the loan request submitted by the receiving terminal includes:
and receiving input of loan application information and signing of documents related to the loan request through the operation interface.
Optionally, the identity verification method includes real-name authentication, card binding authentication, and/or face recognition.
Based on this, after receiving the information related to the authentication, invoking a preset interface related to the authentication to authenticate the loan user includes:
after receiving the name and the identity card number input by the loan user, determining whether the name and the identity card number of the loan user are matched by calling a first preset interface which is used for verifying identity card information and is arranged in a public security department, so as to realize real-name authentication of the loan user according to a matching result; and/or
After receiving any bank debit card number, name and mobile phone number reserved in the bank input by the loan user, sending a verification code to the mobile phone number reserved in the bank by calling a second preset interface used for sending the verification code of the bank, and submitting the verification code to a third preset interface used for bank card authentication of the bank to check the verification code after receiving the verification code input by the loan user so as to realize the card binding authentication of the loan user according to a check result; and/or
After the collected face image of the loan user is received, the face image of the loan user is compared with the photos in the face photo library preset by the public security department by calling a fourth preset interface used for verifying the face image of the public security department, so that the face recognition of the loan user is realized according to the comparison result.
Optionally, the determining the time information that the identity authentication passes includes;
and determining the time information of the passing of the real-name authentication, the binding card authentication or the face recognition, or determining the time information of the last passing of the verification in two or three items of the real-name authentication, the binding card authentication and the face recognition.
Optionally, after receiving the information related to the authentication, the method further includes:
and acquiring GPS information and IP address information of the terminal as information related to identity authentication.
Optionally, after providing the operation interface for authenticating the loan user, the method further includes:
and intercepting the content displayed in the operation interface at a first preset time interval, or recording the content displayed in the operation interface at a second preset time interval for a preset duration.
Optionally, the method further includes: and encrypting the generated document file with the electronic signature and transmitting the encrypted document file to a preset certificate storing mechanism for storage.
In order to achieve the above object, the present invention also provides a document data processing apparatus in a loan transaction, the apparatus comprising:
the request receiving module is used for receiving a loan request submitted by a terminal, wherein the loan request comprises first document information corresponding to a signed document related to the loan request;
the identity authentication module is used for providing an operation interface for performing identity authentication on the loan user, and calling a preset interface related to the identity authentication to perform identity authentication on the loan user after receiving information related to the identity authentication, wherein the interface comprises second document information which is required to be signed and corresponds to documents related to the identity authentication;
the system comprises a time information processing module, a time information processing module and a time information processing module, wherein the time information processing module is used for determining the time information of passing the identity authentication under the condition that the identity authentication of the loan user passes and generating corresponding time stamp information according to the time information;
the system comprises a Hash value calculation module, a verification module and a verification module, wherein the Hash value calculation module is used for calculating second document information corresponding to documents related to identity verification signed by a loan user, information related to identity verification, time information and timestamp information by a Hash algorithm to obtain a first Hash value;
and the electronic signature module is used for calling a preset interface for generating an electronic signature, and electronically signing the first document information according to the first hash value and a second hash value obtained by calculating the first document information by a hash algorithm so as to generate a document file with the electronic signature.
In order to achieve the above object, the present invention further provides a computer device, which specifically includes: the loan transaction system comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the computer program to realize the steps of the method for processing document data in loan transaction introduced above.
In order to achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the above-described steps of the document data processing method in the loan transaction.
The invention provides a method, a device, computer equipment and a storage medium for processing document data in loan transaction, which provides an operation interface for identity verification (comprising second document information of documents relevant to identity verification and needing to be signed) and carries out identity verification on a loan user after receiving a loan request (comprising signed first document information corresponding to documents relevant to the loan request) submitted by a terminal, then determines time information passing the identity verification and generates corresponding timestamp information, then calculates the signed second document information, the information relevant to the identity verification, the time information and the timestamp information by a Hash algorithm to obtain a first Hash value, and carries out electronic signature on the first document information by the second Hash value calculated by the Hash algorithm according to the first Hash value, to generate a document file with an electronic signature. That is, the document information corresponding to the document related to the loan request may be electronically signed based on the uniquely determined first hash value related to the authentication of the loan user and the uniquely determined second hash value related to the loan request of the loan user to generate the document related to the loan request with the electronic signature, that is, the document with the electronic signature covers both the uniquely determined information related to the authentication of the loan user and the uniquely determined information related to the loan request of the loan user, so that the security, reliability and attentiveness of the document with the electronic signature may be improved.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a schematic flow chart of an alternative method for processing document data in a loan transaction according to an embodiment;
fig. 2 is a schematic diagram of an alternative configuration of a document data processing apparatus in the loan transaction provided in the second embodiment;
fig. 3 is a schematic diagram of an alternative hardware architecture of the computer device according to the third embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. 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.
Example one
The embodiment of the invention provides a method for processing document data in loan transaction, which specifically comprises the following steps as shown in fig. 1:
step S101: and receiving a loan request submitted by the terminal, wherein the loan request comprises first document information corresponding to the signed document related to the loan request.
In the embodiment, the scheme can be applied to application programs (APP) related to loan transaction, such as existing safe consumption finance APP. According to actual needs, the APP can be installed in a terminal of a loan officer (such as a loan customer manager) or a terminal of a loan user, a request related to loan application can be sent through the APP, information related to loan application is input and submitted, and a server corresponding to the APP can receive the related request, information and the like and can perform corresponding processing on the received related request, information and the like.
In practical applications, in order to ensure that banks, loan companies, and the like can be more objective and accurate in the process of auditing a loan application for a certain user (including user credit investigation, loan amount determination, and the like), it is necessary to comprehensively and widely know the basic information, financial asset information, and the like of the user, and therefore, the loan application information in a loan request covers a wide range of contents, which mainly includes the basic information, such as the name, identification number, native place, academic calendar, graduation institution, work unit, marital status, and the like of the user, and the financial asset information, such as house property information, vehicle property information, house loan information, credit card information, credit loan information, insurance policy information, and the like of the user.
In this embodiment, an operation interface for inputting loan application information and for displaying first document information corresponding to a document related to a loan request that needs to be signed may be provided, and the operation interface may include a plurality of input boxes for inputting the loan application information.
Meanwhile, the operation interface may further include a plurality of shown documents (in this embodiment, information corresponding to the plurality of documents may be referred to as first document information) related to the loan request that need to be signed, and an operation option (for example, a "signing" button) that is set for each document and is used for determining to sign the document, and when the user triggers the "signing" button corresponding to each document, that is, the user submits a signing request for the related document through the terminal, at this time, the server corresponding to the APP may receive the signing request submitted by the terminal, and perform a signing operation for the related document according to the signing request, so as to sign the document related to the loan request in the operation interface.
Wherein, the documents related to the loan request that need to be signed may include, for example, a fast payment authorization book, a personal consumption financing amount contract, an authorization principal book, a entrustment guarantee contract, a loan contract, loan product information, etc. (of course, other documents may be displayed according to actual requirements), because in the process of applying the existing loan, the loan core element information is not displayed directly in the loan contract, but is displayed through the loan product information, for example, the displayed contents may include the loan amount, interest, commission, repayment mode, repayment/installment futures number, repayment date, etc., because these contents directly relate to the right and obligation of both parties of the transaction, the determination of the loan amount of the loan user and the debt fulfillment of the bank are affected, therefore, the above contents may be displayed with emphasis by means of thickening or setting a color different from other characters, etc., meanwhile, the loan user can be forced to check and forcibly read (for example, the reading time can be set to be not less than 30 seconds and the like), and the loan product information related page displaying the contents needs to be pulled down to the bottom to carry out signing operation. In addition, the screen capture operation can be performed and stored in the process of page drop-down of the loan user, the execution of signing operation and the like so as to be kept as evidence for the loan user to sign relevant documents. Therefore, the method can ensure that the loan user executes the signing operation of the relevant documents after carefully reading and completely knowing the loan core element information, and is further favorable for guaranteeing the rights and interests of the loan user.
In addition, the operation interface may further include an operation option (for example, a "request loan" button) for determining that a loan request is made, and after the user inputs loan application information through the plurality of input boxes and triggers a "sign" button corresponding to each document displayed in the operation interface, the "request loan" button is triggered, that is, the user submits the loan request through the terminal, at this time, the server corresponding to the APP may receive the loan request submitted by the terminal, and may perform the next operation according to the loan request.
Step S102: and providing an operation interface for performing identity verification on the loan user, and calling a preset interface related to the identity verification to perform identity verification on the loan user after receiving information related to the identity verification, wherein the interface comprises second document information which is required to be signed and corresponds to documents related to the identity verification.
In this embodiment, the method for performing identity verification on the loan user may include real-name authentication, card binding authentication, face recognition, and the like, and a corresponding identity verification interface may be provided according to different identity verification methods, and a specific implementation manner will be described below.
After receiving the information related to the authentication, the loan user may be authenticated by directly calling a preset interface related to the authentication, and the specific implementation manner may include the following steps:
the identity verification mode is real-name authentication:
an operation interface related to real-name authentication may be provided in advance (the operation interface may include, for example, an input box for inputting a name, an input box for inputting an identification number, and a button (e.g., "first determination" button) for determining the name and identification number to submit the input).
The loan user submits the name and the identity card number of the loan user by inputting the name (in an input box for inputting the name) and the identity card number (in an input box for inputting the identity card number) of the loan user in the operation interface related to the real-name authentication and triggering a first confirmation button.
After receiving the name and the identification number input by the loan user, the related server (in this embodiment, it may be understood as a server corresponding to the terminal) may call a preset interface for verifying the identification information of the public security department (in this embodiment, it may be referred to as a first preset interface), compare the name and the identification number of the loan user to determine whether the name and the identification number of the loan user match, if so, it may be determined that the loan user passes the real-name authentication, and if not, it may be determined that the loan user fails the real-name authentication, thereby, the real-name authentication for the loan user may be implemented according to the matching result.
And (II) the identity verification mode is card binding authentication:
an operation interface related to the card binding authentication may be provided in advance (the operation interface may include, for example, an input box for inputting a bank debit card number, an input box for inputting a name, an input box for inputting a mobile phone number reserved for the bank, and buttons for determining the bank debit card number and the mobile phone number to submit the input (such as a "second determination" button), an input box for inputting a verification code, and a button for determining the verification code to submit the input (such as a "submit" button)).
The loan user can submit the bank debit card number, the name and the mobile phone number of the loan user by inputting any bank debit card number (in an input box for inputting the bank debit card number), the name (in an input box for inputting the name) and the mobile phone number (in an input box for inputting the mobile phone number) of the loan user in the operation interface related to the binding authentication and triggering a second confirming button.
After the related server receives the card number, name and mobile phone number reserved in the bank of any bank debit card input by the loan user, the related server can call a preset interface (which can be called as a second preset interface) of the bank for sending the verification code so as to send the verification code to the mobile phone number reserved in the bank.
After the loan user receives the verification code through the mobile phone number reserved in the bank, the loan user can input the verification code in the interface for binding card authentication (in an input box for inputting the verification code) and trigger a 'submit' button to submit the verification code.
After receiving the verification code input by the loan user, the related server can submit the verification code to a preset interface (in this embodiment, it may be referred to as a third preset interface) of the bank for bank card authentication, and compare the verification code input by the loan user with the verification code sent by the mobile phone number reserved in the bank for the loan user, so as to verify the verification code, if the verification result is that the verification codes are consistent, it can be determined that the loan user passes through a card binding authentication link, and if the verification result is that the verification codes are inconsistent, it can be determined that the loan user does not pass through the card binding authentication link, so that the card binding authentication for the loan user can be realized according to the verification result.
(III) the identity authentication mode is face recognition:
an operation interface related to face recognition can be provided in advance, and when the loan user enters the operation interface, a camera in the terminal can be automatically invoked, and the operation interface can comprise an acquisition area for acquiring a face image of the loan user and a button (such as a "third determination" button) for determining to submit the face image, for example.
The loan user can align the face of the loan user to the acquisition area in the operation interface related to the face recognition, and trigger a third determination button after performing corresponding actions according to preset prompt information (for example, information for prompting the loan user to perform actions such as nodding, shaking, blinking, smiling and the like), so as to realize acquisition and submission of the face image of the loan user.
After receiving the face image of the loan user collected and submitted through the terminal, the related server may compare the face image of the loan user (including the face image of the loan user who makes a head nod, a head shaking, a blink, a smile, and the like) with the photos in the face photo library preset by the public security department by calling a preset interface (in this embodiment, this comparison result may be a similarity result), if the similarity result is that the preset similarity threshold is reached (for example, it may be set to 85%), it is determined that the loan user passes face recognition, and if the similarity result is not reached, it is determined that the loan user does not pass face recognition, so face recognition for the loan user may be implemented according to the comparison result.
Therefore, when any one of the identity authentications needs to be carried out, the corresponding identity authentication processing is realized by calling the external existing (or deployed according to the requirements of the scheme) or internal deployed interface capable of realizing the identity authentication, so that the accuracy of the identity authentication result can be ensured, the system cost can be saved, and the identity authentication efficiency can be improved.
In this embodiment, the operation interface for performing identity verification on the loan user may further include information (in this embodiment, may be referred to as second document information) corresponding to the identity verification-related document that needs to be signed, and the identity verification-related document that needs to be signed may be set according to actual needs, for example, in a case that the identity verification is real-name authentication, the identity verification-related document that needs to be signed may include a fund withholding protocol, a secure payment scientific and technological electronic payment account protocol, and the like; under the condition that the identity authentication is card binding authentication, the documents related to the identity authentication, which need to be signed, can comprise a bank card fast payment service protocol, a bank card binding internet protocol and the like.
In addition, an operation option (for example, a "signing" button) for determining to sign the document may be set for each document correspondingly in the operation interface, and when the user triggers the "signing" button corresponding to each document, that is, the user submits a signing request for the relevant document through the terminal, at this time, the server corresponding to the APP may receive the signing request submitted by the terminal, and execute the signing operation of the relevant document according to the signing request, so as to implement signing of the document relevant to the identity verification in the operation interface.
In specific implementation, after receiving the information related to the authentication, the Global Positioning System (GPS) information of the terminal and the IP address information of the terminal may be acquired, and the information related to the authentication may be used to participate in subsequent steps, so as to improve the comprehensiveness of the information related to the authentication and further improve the validity of the authentication result.
In addition, in this embodiment, after the operation interface for performing the identity verification on the loan user is provided, the content displayed in the operation interface may be intercepted (equivalent to a screen capturing operation) and stored at a first preset time interval (which may be set according to actual needs, for example, 10 seconds, and the like), or the content displayed in the operation interface may be recorded (equivalent to a screen recording operation) and stored at a second preset time interval (which may be set according to actual needs, for example, 20 seconds, and the like) for a preset duration, so that the content can be effectively subjected to the screen capturing or screen recording operation and stored in a particularly important link (for example, when a document related to the identity verification is signed, when a human face is recognized, and the like) in the identity verification process of the loan user, so as to be retained as an effective image evidence or image evidence in the identity verification process, so as to assist the authenticity and validity of the loan user in the identity verification operation process, and the relevant evidence can be extracted at any time for display in the follow-up dispute related to the loan, so that the safety of the system can be improved.
Step S103: and if the loan user passes the authentication, determining the time information of passing the authentication, and generating corresponding timestamp information according to the time information.
In this embodiment, if the identity authentication is any one of real-name authentication, card-binding authentication, or face recognition, the time information for determining that the identity authentication passes may be set as the time information for passing the real-name authentication, card-binding authentication, or face recognition; if the identity authentication is two or three of real-name authentication, card binding authentication and face recognition, the time for determining that the identity authentication passes can be set as the time information of one of the two or three of real-name authentication, card binding authentication and face recognition which passes the authentication finally.
After the time information of passing the identity authentication is determined, the corresponding time stamp information can be further generated according to the time information in the existing time stamp generation mode, so that the accuracy and the uniqueness of the time of passing the identity authentication can be further ensured.
Step S104: and calculating second document information corresponding to the document relevant to the identity verification signed by the loan user, information relevant to the identity verification, time information and timestamp information by using a Hash algorithm to obtain a first Hash value.
Specifically, the second document information corresponding to the document related to the real-name authentication, the binding authentication and/or the face identification signed by the loan user, the information related to the identity authentication (which may include the name and the identity card number of the loan user related to the real-name authentication, the bank debit card number of the loan user related to the binding authentication, the name, the mobile phone number reserved in the bank, the input verification code, the face image of the loan user related to the face identification, etc.), the time information of passing the identity authentication (the time information of passing the real-name authentication, the binding authentication or the face identification, or the time information of passing the last verification in any two or three of the real-name authentication, the binding authentication and the face identification), and the time stamp information generated according to the time information of passing the identity authentication are calculated by a hash algorithm to obtain the corresponding hash value, in this embodiment, the hash value may be referred to as a first hash value.
Therefore, the corresponding hash value is generated by carrying out hash calculation on the basis of the document information related to the identity authentication, the related information provided by the loan user in the identity authentication process and the time information (the time information and the corresponding timestamp information) for doubly determining the time when the identity authentication passes, so that the uniquely determined hash value related to the identity authentication of the loan user is obtained to participate in the subsequent steps.
Step S105: and calling a preset interface for generating the electronic signature, and carrying out electronic signature on the first document information according to the first hash value and a second hash value obtained by calculating the first document information by a hash algorithm so as to generate a document file with the electronic signature.
In this embodiment, the first document information may be first calculated by a hash algorithm to obtain a hash value, that is, a uniquely determined hash value (in this embodiment, may be referred to as a second hash value) related to the loan request of the loan user, and then a preset interface (for example, a preset interface provided by the peace and easy sign company) for generating an electronic signature may be invoked, so as to electronically sign the first document information according to the first hash value and the second hash value, so as to generate a document with an electronic signature.
That is, the document information corresponding to the document related to the loan request is electronically signed based on the uniquely determined hash value (first hash value) related to the authentication of the loan user and the uniquely determined hash value (second hash value) related to the loan request of the loan user, and a document related to the loan request with an electronic signature (such as an authorization principal with an electronic signature, loan product information, and the like) is generated, that is, the document with an electronic signature covers both the uniquely determined information related to the authentication of the loan user and the uniquely determined information related to the loan request of the loan user, so that the security, reliability, and proof power of the document with an electronic signature can be improved.
In addition, after the document with the electronic signature is generated, the document with the electronic signature can be encrypted and then transmitted to a preset document storage mechanism for storage, for example, transmitted to a third-party document storage company (such as a digital authentication center, a safe and easy signature company, and the like) for storage, so that the document with the electronic signature can be more effectively managed and stored, and the like, so that the document with the electronic signature can be displayed by inquiring and calling the relevant document as evidence when disputes related to loan occur later, and the document with the electronic signature can be used as an effective proof that the document with the electronic signature is not tampered.
In the document data processing method in the loan transaction provided by this embodiment, after receiving a loan request (including the first document information corresponding to the signed document related to the loan request) submitted by the terminal, provides an operation interface for identity verification (including second document information of documents related to identity verification and needing to be signed) and verifies the identity of the loan user, and then determining the time information passing the identity verification and generating corresponding time stamp information, calculating the signed second document information, the information related to the identity verification, the time information and the time stamp information by a Hash algorithm to obtain a first Hash value, and electronically signing the first document information according to the first Hash value and a second Hash value obtained by calculating the first document information by the Hash algorithm to generate a document file with an electronic signature. That is, the document information corresponding to the document related to the loan request may be electronically signed based on the uniquely determined first hash value related to the authentication of the loan user and the uniquely determined second hash value related to the loan request of the loan user to generate the document related to the loan request with the electronic signature, that is, the document with the electronic signature covers both the uniquely determined information related to the authentication of the loan user and the uniquely determined information related to the loan request of the loan user, so that the security, reliability and attentiveness of the document with the electronic signature may be improved.
Example two
The embodiment of the invention provides a document data processing device in loan transaction, which specifically comprises the following components as shown in fig. 2:
a request receiving module 201, configured to receive a loan request submitted by a terminal, where the loan request includes first document information corresponding to a signed document related to the loan request;
the identity authentication module 202 is used for providing an operation interface for performing identity authentication on the loan user, and calling a preset interface related to the identity authentication to perform identity authentication on the loan user after receiving information related to the identity authentication, wherein the interface comprises second document information which is required to be signed and corresponds to documents related to the identity authentication;
the time information processing module 203 is used for determining the time information of passing the identity authentication under the condition that the identity authentication of the loan user passes, and generating corresponding time stamp information according to the time information;
the hash value calculation module 204 is configured to calculate, by using a hash algorithm, second document information, information related to identity authentication, time information, and timestamp information corresponding to a document related to identity authentication, which is signed by the loan user, so as to obtain a first hash value;
and the electronic signature module 205 is configured to invoke a preset interface for generating an electronic signature, and perform an electronic signature on the first document information according to the first hash value and a second hash value obtained by calculating the first document information by using a hash algorithm, so as to generate a document file with an electronic signature.
Further, the device may further include:
and the operation interface providing module is used for providing an operation interface for inputting loan application information and displaying first document information corresponding to documents related to the loan request which need to be signed.
Based on this, the request receiving module 201 may specifically be configured to:
and receiving input of loan application information and signing of documents related to the loan request through the operation interface.
In a specific implementation, the authentication mode may include real-name authentication, card binding authentication and/or face recognition.
Based on this, the identity verification module 202 may be specifically configured to:
after receiving the name and the identity card number input by the loan user, determining whether the name and the identity card number of the loan user are matched by calling a first preset interface which is used for verifying identity card information and is arranged in a public security department, so as to realize real-name authentication of the loan user according to a matching result; and/or
After receiving any bank debit card number, name and mobile phone number reserved in the bank input by the loan user, sending a verification code to the mobile phone number reserved in the bank by calling a second preset interface used for sending the verification code of the bank, and submitting the verification code to a third preset interface used for bank card authentication of the bank to check the verification code after receiving the verification code input by the loan user so as to realize the card binding authentication of the loan user according to a check result; and/or
After the collected face image of the loan user is received, the face image of the loan user is compared with the photos in the face photo library preset by the public security department by calling a fourth preset interface used for verifying the face image of the public security department, so that the face recognition of the loan user is realized according to the comparison result.
Further, the time information processing module 203 may be specifically configured to:
and determining the time information of the passing of the real-name authentication, the binding card authentication or the face recognition, or determining the time information of the last passing of the verification in two or three items of the real-name authentication, the binding card authentication and the face recognition.
Furthermore, the identity verification module 202 may be further configured to: after receiving the information related to the authentication, acquiring the GPS information and the IP address information of the terminal as the information related to the authentication.
In a specific implementation, the apparatus may further include:
and the interface content processing module can be used for intercepting the content displayed in the operation interface at a first preset time interval after providing the operation interface for carrying out identity verification on the loan user, or recording the content displayed in the operation interface at a second preset time interval for a preset time length.
In addition, the apparatus may further include:
and the storage module can be used for encrypting the generated document file with the electronic signature and then transmitting the encrypted document file to a preset certificate storage mechanism for storage.
EXAMPLE III
The embodiment also provides a computer device, such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a rack server, a blade server, a tower server or a rack server (including an independent server or a server cluster composed of a plurality of servers) capable of executing programs, and the like. As shown in fig. 3, the computer device 30 of the present embodiment includes at least but is not limited to: a memory 301, a processor 302 communicatively coupled to each other via a system bus. It is noted that FIG. 3 only shows the computer device 30 having components 301 and 302, but it is understood that not all of the shown components are required and that more or fewer components may be implemented instead.
In this embodiment, the memory 301 (i.e., the readable storage medium) includes a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the storage 301 may be an internal storage unit of the computer device 30, such as a hard disk or a memory of the computer device 30. In other embodiments, the memory 301 may also be an external storage device of the computer device 30, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), or the like, provided on the computer device 30. Of course, the memory 301 may also include both internal and external storage devices for the computer device 30. In the present embodiment, the memory 301 is generally used for storing an operating system and various types of application software installed in the computer device 30. In addition, the memory 301 may also be used to temporarily store various types of data that have been output or are to be output.
Processor 302 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 302 generally serves to control the overall operation of the computer device 30.
Specifically, in this embodiment, the processor 302 is configured to execute the program of the enterprise risk early warning method stored in the processor 302, and when the program of the document data processing method in the loan transaction is executed, the following steps are implemented:
receiving a loan request submitted by a terminal, wherein the loan request comprises first document information corresponding to a signed document related to the loan request;
providing an operation interface for performing identity verification on the loan user, and calling a preset interface related to the identity verification to perform identity verification on the loan user after receiving information related to the identity verification, wherein the interface comprises second document information corresponding to documents related to the identity verification and needing to be signed;
if the loan user passes the authentication, determining the time information of passing the authentication, and generating corresponding timestamp information according to the time information;
calculating second document information corresponding to the document signed by the loan user and related to the identity verification, information related to the identity verification, time information and timestamp information by using a Hash algorithm to obtain a first Hash value;
and calling a preset interface for generating the electronic signature, and carrying out electronic signature on the first document information according to the first hash value and a second hash value obtained by calculating the first document information by a hash algorithm so as to generate a document file with the electronic signature.
The specific embodiment process of the above method steps can be referred to in the first embodiment, and the detailed description of this embodiment is not repeated here.
Example four
The present embodiments also provide a computer readable storage medium, such as a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application mall, etc., having stored thereon a computer program that when executed by a processor implements the method steps of:
receiving a loan request submitted by a terminal, wherein the loan request comprises first document information corresponding to a signed document related to the loan request;
providing an operation interface for performing identity verification on the loan user, and calling a preset interface related to the identity verification to perform identity verification on the loan user after receiving information related to the identity verification, wherein the interface comprises second document information corresponding to documents related to the identity verification and needing to be signed;
if the loan user passes the authentication, determining the time information of passing the authentication, and generating corresponding timestamp information according to the time information;
calculating second document information corresponding to the document signed by the loan user and related to the identity verification, information related to the identity verification, time information and timestamp information by using a Hash algorithm to obtain a first Hash value;
and calling a preset interface for generating the electronic signature, and carrying out electronic signature on the first document information according to the first hash value and a second hash value obtained by calculating the first document information by a hash algorithm so as to generate a document file with the electronic signature.
The specific embodiment process of the above method steps can be referred to in the first embodiment, and the detailed description of this embodiment is not repeated here.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A method for processing document data in loan transaction, the method comprising:
receiving a loan request submitted by a terminal, wherein the loan request comprises first document information corresponding to a signed document related to the loan request;
providing an operation interface for performing identity verification on the loan user, and calling a preset interface related to the identity verification to perform identity verification on the loan user after receiving information related to the identity verification, wherein the interface comprises second document information corresponding to documents related to the identity verification and needing to be signed;
if the loan user passes the authentication, determining the time information of passing the authentication, and generating corresponding timestamp information according to the time information;
calculating second document information corresponding to the document signed by the loan user and related to the identity verification, information related to the identity verification, time information and timestamp information by using a Hash algorithm to obtain a first Hash value;
and calling a preset interface for generating the electronic signature, and carrying out electronic signature on the first document information according to the first hash value and a second hash value obtained by calculating the first document information by a hash algorithm so as to generate a document file with the electronic signature.
2. The method of claim 1, further comprising:
providing an operation interface for inputting loan application information and displaying first document information corresponding to documents related to the loan request and needing to be signed;
the loan request submitted by the receiving terminal comprises:
and receiving input of loan application information and signing of documents related to the loan request through the operation interface.
3. The method according to claim 1, wherein the identity verification means comprises real-name authentication, card binding authentication and/or face recognition;
after receiving the information related to the authentication, calling a preset interface related to the authentication to authenticate the loan user, comprising:
after receiving the name and the identity card number input by the loan user, determining whether the name and the identity card number of the loan user are matched by calling a first preset interface which is used for verifying identity card information and is arranged in a public security department, so as to realize real-name authentication of the loan user according to a matching result; and/or
After receiving any bank debit card number, name and mobile phone number reserved in the bank input by the loan user, sending a verification code to the mobile phone number reserved in the bank by calling a second preset interface used for sending the verification code of the bank, and submitting the verification code to a third preset interface used for bank card authentication of the bank to check the verification code after receiving the verification code input by the loan user so as to realize the card binding authentication of the loan user according to a check result; and/or
After the collected face image of the loan user is received, the face image of the loan user is compared with the photos in the face photo library preset by the public security department by calling a fourth preset interface used for verifying the face image of the public security department, so that the face recognition of the loan user is realized according to the comparison result.
4. The method of claim 3, wherein the determining the time information that the identity verification passes comprises;
and determining the time information of the passing of the real-name authentication, the binding card authentication or the face recognition, or determining the time information of the last passing of the verification in two or three items of the real-name authentication, the binding card authentication and the face recognition.
5. The method of claim 1, further comprising, after receiving the information related to authentication:
and acquiring GPS information and IP address information of the terminal as information related to identity authentication.
6. The method of claim 1, wherein after providing the operation interface for authenticating the loan user, further comprising:
and intercepting the content displayed in the operation interface at a first preset time interval, or recording the content displayed in the operation interface at a second preset time interval for a preset duration.
7. The method of claim 1, further comprising: and encrypting the generated document file with the electronic signature and transmitting the encrypted document file to a preset certificate storing mechanism for storage.
8. An apparatus for processing document data in a loan transaction, the apparatus comprising:
the request receiving module is used for receiving a loan request submitted by a terminal, wherein the loan request comprises first document information corresponding to a signed document related to the loan request;
the identity authentication module is used for providing an operation interface for performing identity authentication on the loan user, and calling a preset interface related to the identity authentication to perform identity authentication on the loan user after receiving information related to the identity authentication, wherein the interface comprises second document information which is required to be signed and corresponds to documents related to the identity authentication;
the system comprises a time information processing module, a time information processing module and a time information processing module, wherein the time information processing module is used for determining the time information of passing the identity authentication under the condition that the identity authentication of the loan user passes and generating corresponding time stamp information according to the time information;
the system comprises a Hash value calculation module, a verification module and a verification module, wherein the Hash value calculation module is used for calculating second document information corresponding to documents related to identity verification signed by a loan user, information related to identity verification, time information and timestamp information by a Hash algorithm to obtain a first Hash value;
and the electronic signature module is used for calling a preset interface for generating an electronic signature, and electronically signing the first document information according to the first hash value and a second hash value obtained by calculating the first document information by a hash algorithm so as to generate a document file with the electronic signature.
9. A computer device, the computer device comprising: memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the method of any of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.
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| CN202011411797.6A CN112488823A (en) | 2020-12-04 | 2020-12-04 | Document data processing method and device in loan business and computer equipment |
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| CN202011411797.6A CN112488823A (en) | 2020-12-04 | 2020-12-04 | Document data processing method and device in loan business and computer equipment |
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