CN117495552A

CN117495552A - Data processing method and related device for financial business

Info

Publication number: CN117495552A
Application number: CN202410005468.3A
Authority: CN
Inventors: 袁彪; 陈明水; 戴礼松; 赵丹
Original assignee: China Cicc Wealth Securities Co ltd
Current assignee: China Cicc Wealth Securities Co ltd
Priority date: 2024-01-03
Filing date: 2024-01-03
Publication date: 2024-02-02
Anticipated expiration: 2044-01-03

Abstract

The application discloses a data processing method and a related device of financial business, wherein the method comprises the following steps: receiving target loan service information sent by a user terminal, extracting target information of the target loan service, determining an identity verification result aiming at the identity information according to an age interval in the identity information, determining a bank flow verification result aiming at bank flow according to a statistical period of bank flow, determining a first evaluation score and a second evaluation score according to bank flow, configuring a third evaluation score according to the grade of a personal credit record, determining a first verification result of the target loan service according to the identity verification result and the bank flow verification result, comparing the total evaluation score with a preset evaluation score, determining a second verification result of the target loan service, and sending reply information of the target loan service information to the user terminal. Therefore, the embodiment of the application is beneficial to improving the loan business processing efficiency.

Description

Data processing method and related device for financial business

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a data processing method and related device for financial services.

Background

In the scenario that a user applies for a personal loan to a financial institution or the like, some financial institutions have insufficient auditing links of the loan qualification of the user, and cannot objectively and comprehensively evaluate the loan qualification of the user, even after the user fails to apply for the loan, the user cannot clearly apply for the loan for the reason, so that the user initiates the application after repeatedly modifying the information, the system resources are occupied, and the handling efficiency of the loan service is reduced.

At present, after rejecting the application of the user's personal loan, the financial institution informs the user of whether the loan audited item is qualified or not, but the user still cannot evaluate the self loan qualification, which is not helpful for the user to modify the subsequent re-application of the loan application, and cannot improve the handling efficiency of the financial institution's personal loan service.

Disclosure of Invention

In view of this, the application provides a data processing method and related device for financial services, which can audit a personal loan application initiated by a user, feed back audit results and evaluation scores of each item to the user, and provide objective comprehensive evaluation for loan qualification of the user, so that the user can know the rating of the self funds at a financial institution conveniently, and select whether to continue applying for or replace loan type application, thereby improving loan service processing efficiency and optimizing user experience.

In a first aspect, an embodiment of the present application provides a data processing method for a financial service, where the method includes:

receiving target loan business information sent by a user terminal, wherein the target loan business information comprises target loan amount and loan duration of a user request loan;

extracting target information of a target loan service, wherein the target information comprises: identity information, bank running water and personal credit records, the bank running water comprises: the type of bank flowing water, the statistical period of the bank flowing water and the deposit amount of the bank flowing water, and the identity information comprises the age interval of the user;

determining an identity verification result aiming at the identity information according to the age interval in the identity information, wherein the identity verification result is passed if the age interval is in a preset age interval, and the identity verification result is failed if the age interval is not in the preset age interval;

according to the statistical period of the bank running water, determining a bank running water auditing result aiming at the bank running water, wherein the bank running water auditing result is to be determined if the statistical period of the bank running water is smaller than a preset period, and the bank running water auditing result is to be passed if the statistical period of the bank running water is larger than the preset period;

Determining a first evaluation score according to a type of bank flowing water, wherein the type of bank flowing water comprises: the payroll flow, the self-deposit flow and the transfer flow, wherein the first evaluation score represents the stability degree of financial sources of the user; the method comprises the steps of,

determining a second evaluation score according to the deposit amount of the bank flowing water and the statistical period of the bank flowing water, wherein the second evaluation score represents the repayment capability of the user, the second evaluation score and the deposit amount are in positive correlation, and the second evaluation score and the statistical period of the bank flowing water are in positive correlation;

determining a credit rating of the personal credit record, and configuring a third evaluation score of the credit rating, wherein the third evaluation score represents the quality degree of the personal credit record, and the credit rating and the third evaluation score are in an inverse relation;

determining a first checking result of the target loan business according to the identity checking result and the bank running water checking result;

comparing the total evaluation score with a preset evaluation score, and determining a second check result of the target loan service, wherein if the total evaluation score is larger than the preset evaluation score, the second check result is passed, and if the total evaluation score is smaller than the preset evaluation score, the second check result is pending, and the total evaluation score is obtained by adding the first evaluation score, the second evaluation score and the third evaluation score;

Transmitting reply information of the target loan service information to the user terminal, wherein the reply information comprises: the first audit result, the second audit result, the first evaluation score, the second evaluation score, and the third evaluation score.

In a second aspect, an embodiment of the present application provides a data processing apparatus for a financial service, including: a receiving unit, an extracting unit, a first determining unit, a second determining unit, a third determining unit, a fourth determining unit, a fifth determining unit, and a replying unit; wherein,

the receiving unit is used for receiving target loan business information sent by the user terminal, wherein the target loan business information comprises target loan amount and loan duration of a user request loan;

an extracting unit for extracting target information of a target loan service, the target information including: identity information, bank running water and personal credit records, the bank running water comprises: the type of bank flowing water, the statistical period of the bank flowing water and the deposit amount of the bank flowing water, and the identity information comprises the age interval of the user;

the first determining unit is used for determining an identity checking result aiming at the identity information according to the age interval in the identity information, if the age interval is in a preset age interval, the identity checking result is passed, and if the age interval is not in the preset age interval, the identity checking result is not passed;

The second determining unit is used for determining a bank running water auditing result aiming at the bank running water according to the counting period of the bank running water, if the counting period of the bank running water is smaller than the preset period, the bank running water auditing result is to be determined, and if the counting period of the bank running water is larger than the preset period, the bank running water auditing result is to be passed;

the third determining unit is configured to determine the first evaluation score according to a type of the running water of the bank, where the type of the running water of the bank includes: the payroll flow, the self-deposit flow and the transfer flow, wherein the first evaluation score represents the stability degree of financial sources of the user; the method comprises the steps of,

a fourth determining unit, configured to determine a second evaluation score according to a deposit amount of the bank running water and a statistical period of the bank running water, where the second evaluation score characterizes a repayment capability of the user, the second evaluation score and the deposit amount have a positive correlation, and the second evaluation score and the statistical period of the bank running water have a positive correlation;

a fifth determining unit, configured to determine a credit rating of the personal credit record, and configure a third evaluation score of the credit rating, where the third evaluation score characterizes a quality degree of the personal credit record, and the credit rating and the third evaluation score have an inverse relationship;

The replying unit is used for determining a first checking result of the target loan business according to the identity checking result and the bank running water checking result; the method comprises the steps of,

comparing the total evaluation score with a preset evaluation score, and determining a second check result of the target loan service, wherein if the total evaluation score is larger than the preset evaluation score, the second check result is passed, and if the total evaluation score is smaller than the preset evaluation score, the second check result is pending, and the total evaluation score is obtained by adding the first evaluation score, the second evaluation score and the third evaluation score; the method comprises the steps of,

In a third aspect, an embodiment of the present application provides an electronic device, including a processor, a memory, a communication interface, and one or more programs, where the one or more programs are stored in the memory and configured to be executed by the processor, the programs including instructions for performing steps in any of the methods of the first aspect of the embodiments of the present application.

In a fourth aspect, embodiments of the present application provide a computer-readable storage medium, where the computer-readable storage medium stores a computer program for electronic data exchange, where the computer program causes a computer to perform some or all of the steps as described in any of the methods of the first aspect of the embodiments of the present application.

In a fifth aspect, embodiments of the present application provide a computer program product, wherein the computer program product comprises a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps described in any of the methods of the first aspect of embodiments of the present application. The computer program product may be a software installation package.

It can be seen that, through the data processing method and related device of the financial service, the target loan service information sent by the user terminal is received first, then the target information of the target loan service is extracted, the identity auditing result for the identity information is determined according to the age interval in the identity information, the bank flow auditing result for the bank flow is determined according to the statistical period of the bank flow, the first evaluation score is determined according to the type of the bank flow, the second evaluation score is determined according to the deposit amount of the bank flow and the statistical period of the bank flow, the credit rating of the personal credit record is determined, the third evaluation score of the credit rating is configured, and the first auditing result of the target loan service is determined according to the identity auditing result and the bank flow auditing result; and comparing the total evaluation score with a preset evaluation score, determining a second check result of the target loan business, and sending reply information of the target loan business information to the user terminal. Therefore, the user initiated personal loan application can be audited, audit results and evaluation scores of all items are fed back to the user, objective comprehensive evaluation is provided for the user loan qualification, so that the user can know the rating of the user's own fund condition at a financial institution, further whether to apply for continuation or change loan type application is selected, the loan business processing efficiency is improved, and the user experience is optimized.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

Fig. 1 is a system architecture diagram of a service processing system according to an embodiment of the present application;

fig. 2 is a schematic diagram of an interaction flow of a service processing system according to an embodiment of the present application;

fig. 3 is a flow chart of a data processing method of a financial service according to an embodiment of the present application;

FIG. 4 is a flowchart of another method for processing data of a financial transaction according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of an audit requirement configuration provided in an embodiment of the present application;

FIG. 6 is a functional block diagram of a data processing device for financial services according to an embodiment of the present application;

FIG. 7 is a functional block diagram of another data processing apparatus for financial transactions according to an embodiment of the present application;

Fig. 8 is a block diagram of an electronic device provided in the present application.

Detailed Description

In order to make the present application solution better understood by those skilled in the art, the following description will clearly and completely describe the technical solution in the embodiments of the present application with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.

The terms first, second and the like in the description and in the claims of the present application and in the above-described figures, are used for distinguishing between different objects and not for describing a particular sequential order. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.

It should be understood that the term "and/or" is merely an association relationship describing the associated object, and means that three relationships may exist, for example, a and/or B may mean: a exists alone, A and B exist together, and B exists alone. In this context, the character "/" indicates that the front and rear associated objects are an "or" relationship.

The term "plurality" as used in the embodiments herein refers to two or more. The "connection" in the embodiments of the present application refers to various connection manners such as direct connection or indirect connection, so as to implement communication between devices, which is not limited in any way in the embodiments of the present application.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments.

The following describes related content, concepts, meanings, technical problems, technical solutions, advantageous effects and the like related to the embodiments of the present application.

In order to solve the above problems, the embodiments of the present application provide a data processing method and related device for a financial service, which can audit a personal loan application initiated by a user, feed back audit results and evaluation scores of each item to the user, and provide objective comprehensive evaluation for loan qualification of the user, so that the user can know the rating of the self-fund condition at a financial institution, thereby selecting whether to continue applying or replace a loan type application, improving loan service processing efficiency, and optimizing user experience.

First, a data processing method of a financial service in an embodiment of the present application will be described with reference to fig. 1, and fig. 1 is a system architecture diagram of a service processing system provided in an embodiment of the present application, as shown in fig. 1, a service processing system 100 includes: a business server 110, a processing server 120, a front-end server 130, a database 140, and an audit requirement configuration server 150; the method in the embodiment of the present application may be applied to the processing server 120.

The business server 110 is configured to receive a personal loan request sent from a user terminal, and the business server 110 invokes a unified interface of the processing server 120 to obtain an audit result and related audit data, where the interface includes, for example, information about a total result of the personal loan request, a result of each check item, current business audit requirement data, and current data of the user.

After receiving the personal loan request forwarded by the service server 110, the processing server 120 reads the auditing requirements of the database 140 for the type of the personal loan request initiated by the user, where the type of different personal loan requests corresponds to different auditing requirements, and the auditing requirements are data configured in the database 140 by the system operation and maintenance personnel in advance. The processing server 120 determines an inspection item according to the auditing requirement, and then invokes an interface of the corresponding front-end server 130 according to the identification of the inspection item to acquire user data of the inspection item; and then, evaluating according to the user data and the auditing requirements to obtain a total auditing result, a first auditing result, a second auditing result, a first evaluation score, a second evaluation score and a third evaluation score, and transmitting the auditing result and related auditing data to the database 140.

The database 140 is used for storing auditing results and related auditing data, and configuring the user tag to execute the trace operation.

Referring to fig. 2, fig. 2 is a schematic diagram of an interaction flow of a service processing system provided in an embodiment of the present application, and as shown in fig. 2, the service processing system 100 includes the following interaction steps:

in step S210, the service server 110 invokes a unified audit interface of the processing server 120.

In step S220, the processing server 120 reads the business audit requirement in the database 140.

The database 140 includes audit requirements of a plurality of businesses preconfigured by system operation staff at the audit requirement configuration server 150, and the plurality of businesses are not limited to loan businesses, but can also include businesses in other financial and securities fields.

In step S230, the processing server 120 parses out the relevant inspection items according to the business audit requirement.

Wherein the related check items are sub-check items determined based on business audit requirements, such as identity information check items in a personal loan business audit requirement.

In step S240, the processing server 120 invokes the interface of the front-end server 130 to obtain the user data of the corresponding inspection item according to the related inspection item.

The front-end server 130 refers to a server where the user participates in related financial transactions, for example, a front-end server of a bank.

In step S250, the processing server 120 performs inspection according to the user data and the business audit requirement to obtain the total result and the related audit result.

In step S260, the processing server 120 sends the total result and the related audit result to the database 140 to perform the mark-keeping operation.

The following describes a data processing method of a financial service in an embodiment of the present application with reference to fig. 3, and fig. 3 is a flow chart of a data processing method of a financial service provided in an embodiment of the present application, which specifically includes the following steps:

step S301, receiving target loan business information sent by a user terminal.

The target loan business information comprises target loan amount and loan duration of a user request loan.

The target loan business information may also reflect the types of requested loans, such as a mortgage loan, a guarantee loan, and a credit loan, which are different from each other, and the corresponding target loan amounts and loan terms of different types of loan requests.

In step S302, target information of the target loan service is extracted.

Wherein the target information includes: identity information, bank running water and personal credit records, the bank running water comprises: the type of the bank flowing water, the statistical period of the bank flowing water and the deposit amount of the bank flowing water, and the identity information comprises the age interval of the user.

The processing server determines the personal credit record from the front-end server or queries the website through the personal credit record, and determines the personal credit record by providing the real information of the user; the statistical period of the bank running water is a record period of the bank running water provided by a user, and is generally 6 months and more.

Specifically, the identity information may further include: identity cards, account books, wedding cards or divorce cards, real estate cards or house-buying contracts, business licenses and the like.

Step S303, determining an identity verification result aiming at the identity information according to the age interval in the identity information.

If the age interval is not in the preset age interval, the identity checking result is not passed.

For example, the preset age interval may be 18 years to 60 years, or 18 years to 65 years, which needs to satisfy that the user is a fully civil person, and the user cannot be too old, so as to reduce the risk that the user cannot pay back.

The identity information cannot be modified and is false information even after modification, so that the user is prompted to be unable to apply the personal loan of the type as a result of the examination and verification that the user is not passed can request the user to apply for the loan again after the type is replaced, the situation that the user is still unqualified after repeated modification is avoided, and the loan business handling efficiency is improved.

Specifically, the identity information can also include identity document information and nationality information, according to the user data which is called by the processing server from the front-end server, the identity information and the nationality information of the user are primarily checked, if the identity information and/or the nationality information of the user cannot pass the checking, that is, the identity information of the user indicates that the identity card, the account book and other documents provided by the user are forged, or the nationality information indicates that the user is not a target national citizen, the user is directly determined to be unable to conduct loan without carrying out subsequent judgment, and related information is sent to the user terminal to prompt the user to transact personal loan service in the mechanism because the identity information is unqualified.

Step S304, determining a bank running water auditing result aiming at the bank running water according to the statistical period of the bank running water.

And if the statistical period of the bank running water is greater than the preset period, the bank running water auditing result is passed.

For example, the preset period may be 3 months or 6 months, and if the statistical period of the bank running water provided by the user is smaller than the preset period, the fund stability condition of the user cannot be effectively estimated, and a certain repayment risk exists.

The method comprises the steps of judging a pending bank running water auditing result, prompting a user that a current auditing item is suspicious, enabling the user to pass the auditing after modification, and feeding back information at a user terminal in the follow-up process, wherein the method can also comprise the step of providing a recommended reference period of a counting period of the bank running water, and prompting the user to provide a reasonable counting period.

Step S305, determining a first evaluation score, a second evaluation score and a third evaluation score according to the target information.

Specifically, referring to fig. 4, fig. 4 is a flow chart of another data processing method of financial service provided in the embodiment of the present application, as shown in fig. 4, including the following steps:

step S410, determining a first evaluation score according to the type of the bank flowing water.

The types of bank running water include: payroll, self-deposit and transfer flows, the first evaluation score characterizes the degree of stability of the user's financial source.

The payroll line refers to a transfer record marked with a payroll or a substitute payroll word, represents the stable income condition of a user, and can reflect income stability and compensation, so that if the bank running water type provided by the user is judged to be payroll, a first evaluation score is determined to be better, and the first evaluation score can be configured to be 2 in an exemplary manner; the self-deposit running water refers to a record of cash deposit of the user into a bank account of the user or a record of transfer of other bank accounts of the user into the bank account, the transfer running water is a transfer transaction record, if the bank running water type provided by the user is judged to be self-deposit running water or transfer running water, the first evaluation score is determined to be poor, and the first evaluation score can be configured to be 1 score in an exemplary way.

Step S420, determining a second evaluation score according to the deposit amount of the bank flowing water and the statistical period of the bank flowing water.

The second evaluation score represents the repayment capability of the user, the second evaluation score and the deposit amount are in positive correlation, and the second evaluation score and the statistical period of bank flowing water are in positive correlation.

In one possible embodiment, determining the second evaluation score based on the amount deposited by the bank flow and the statistical period of the bank flow comprises: determining the monthly deposit amount according to the deposit amount of the bank running water and the statistical period of the bank running water; determining the estimated monthly payment amount according to the target loan amount and the loan period in the target loan business information; determining the ratio of the monthly deposit amount to the monthly repayment amount, wherein the larger the ratio is, the more the user has the capability of timely repayment; a second evaluation score is determined from the ratio.

For example, a plurality of ratio intervals are divided for the second evaluation score, for example, 1.25-1.5 belongs to a first ratio interval, 1.5-1.75 belongs to a second ratio interval, and 1.75-2 is a third ratio interval, wherein the second evaluation score is determined according to the ratio interval to which the above ratio determined by the user target information belongs; for example, the second evaluation score corresponding to the ratio of the first ratio interval is determined to be 1 score, the second evaluation score corresponding to the ratio of the second ratio interval is determined to be 2 score, and the second evaluation score corresponding to the ratio of the third ratio interval is determined to be 3 score. For example, if the total deposit amount is determined to be 60w, for example, from the bank running water in the target information, and the corresponding statistical period is 6 months, the deposit amount for each month is determined to be 10w; and meanwhile, determining the month average repayment amount according to the target loan amount and the loan period, for example, 5w, wherein the ratio of the month average repayment amount to the month average repayment amount is 2, the corresponding second evaluation score falls into a third ratio interval, and the corresponding second evaluation score is 3 minutes.

It can be seen that, in this embodiment of the present application, the monthly deposit amount is determined according to the deposit amount of the bank deposit and the statistical period of the bank deposit, the predicted monthly deposit amount is determined according to the target loan amount and the loan term in the target loan service information, the ratio of the monthly deposit amount to the monthly deposit amount is determined, and the second evaluation score is determined according to the ratio, so that the audit and evaluation of the user repayment capability is realized, the user can know the self repayment capability according to the fed-back second evaluation score, the evaluation comprehensiveness of the user loan request is improved, the user experience is optimized while the risk of failing to repayment is reduced, and the service handling efficiency is improved.

In one possible embodiment, the banking running water further includes a payout amount of the banking running water; after determining the second evaluation score from the ratio, the method further comprises: according to the deposit amount of the bank running water and the expenditure amount of the bank running water, determining the net income of the bank running water of the user, wherein the net income comprises a negative value and a positive value; determining a reference difference between the net benefit and a value 0 according to the net benefit which is a negative value; and adjusting the second evaluation score according to the reference difference value, wherein the adjustment value of the second evaluation score is larger as the reference difference value is larger, and the adjustment refers to the deduction operation.

The reference difference value is the absolute value of the difference between the net income of the user with a negative value and 0 and is used for representing the income deficit condition of the user, and the larger the reference difference value is, the difference value between the expenditure and the income of the user is unhealthy, so that the second evaluation score is reduced, and the objectivity of the evaluation of the user is improved.

It can be seen that, in the embodiment of the application, the net benefit of the bank running water of the user is determined according to the deposit amount of the bank running water and the expenditure amount of the bank running water, the reference difference value between the net benefit and the value 0 is determined according to the net benefit which is a negative value, and the second evaluation score is adjusted according to the reference difference value, so that the flexibility of adjusting the requirement of checking the loan qualification of the user is improved according to the reference difference value, and the objectivity and rationality of evaluating the loan qualification of the user are improved.

Step S430, determining a credit rating of the personal credit record and configuring a third evaluation score of the credit rating.

The third evaluation score represents the quality degree of the personal credit record, and the credit grade and the third evaluation score are in an inverse relation.

In one possible embodiment, configuring a third evaluation score for the credit rating comprises: determining the inquiry times of the personal credit records, wherein the inquiry times are used for representing the times of inquiring the personal credit records of the user by a financial institution in preset time; if the number of queries exceeds the preset number, determining that the third evaluation score is 0.

The method comprises the steps that when personal credit records are obtained, the number of times that a user inquires the personal credit records in preset time is obtained, wherein the preset time can be 1 month or 2 months or other time periods, and if the user applies for loan service in a plurality of financial institutions in the time of nearly 2 months, the short-term personal credit records are too many in inquiry times, and the problem occurs in the personal economic condition of the user is laterally illustrated, so that the third evaluation score is reduced; further, if the query number of the personal credit records is greater than the preset number, for example, 3 times, in the period of 2 months, the third evaluation score is configured to be 0 score, so that it is further explained that the personal credit records of the user cannot meet the auditing requirement, and whether the personal credit records pass the auditing needs to be comprehensively judged according to other conditions of the user.

Therefore, in the embodiment of the application, by determining the query times of the personal credit records, if the query times exceed the preset times, the third evaluation score is determined to be 0, so that the comprehensiveness of the qualification evaluation of the user loan application is improved, and the service handling efficiency is improved.

In one possible embodiment, the credit rating comprises: a conventional level, an in doubt level, and an existing risk level; after configuring the third evaluation score of the credit rating, the method further comprises: extracting information of the lending times of the user in the personal credit records according to the personal credit records; adjusting a third evaluation score according to the lending times and the credit rating; if the credit rating is the conventional rating, adding a third evaluation score according to the lending times, wherein the more the lending times are, the more the score value of the third evaluation score is added; if the credit rating is the doubtful rating or the risk rating exists, the third evaluation score is reduced according to the lending times, and the more the lending times are, the more the score value of the third evaluation score is reduced.

Specifically, an exemplary processing server may obtain a personal credit record of a user directly from a front-end server, which may include five-level classification including: normal, attention, secondary, suspicious, loss, in this embodiment of the application, the normal level and attention level are considered as normal levels, the secondary level is considered as suspicious, the suspicious level and loss level are considered as risk levels, and if suspicious, loss occurs in the five-level classification of the personal credit record, the condition that the overdue state of the loan and credit card is serious is represented.

The credit rating is a conventional rating, which indicates that the credit record of the user is good in health, and if the borrowing and lending times are more, the credit record of the user is good and the service is busy, and reliable credit guarantee is provided, so that a third evaluation score is correspondingly increased; otherwise, the credit rating is the doubtful rating or the risk rating, which indicates that the credit record of the user is poor, if the loan number is more, the credit of the user is poor and the loan is frequently performed, and the reliability of the loan is low, so that the third evaluation score is correspondingly reduced according to the loan number and the credit rating.

It can be seen that, in this embodiment of the present application, by extracting information of the lending times of the user in the personal credit record, the third evaluation score is adjusted according to the lending times and the credit levels, if the credit levels are conventional levels, the third evaluation score is increased according to the lending times, the more the lending times are, the more the score value of the third evaluation score is increased, and if the credit levels are in doubt levels or risk levels, the third evaluation score is reduced according to the lending times, the more the lending times are, the score value of the third evaluation score is reduced, so that a flexible adjustment manner for the third evaluation score is realized, which is favorable for improving flexibility and intelligence of loan service evaluation, more objectively evaluating loan qualification of the user, and improving reliability of evaluation results.

Step S306, determining a first checking result of the target loan business according to the identity checking result and the bank running water checking result.

Wherein the first audit result is pass or pending or not pass; if the identity checking result and the bank running water checking result pass through simultaneously, determining that the first checking result passes through; if the identity checking result and the bank running water checking result are not passed at the same time, determining that the first checking result is not passed; if the identity checking result is not passed and/or the bank running water checking result is pending, determining that the first checking result is not passed; and if the identity checking result is passed and/or the bank running water checking result is pending, determining that the first checking result is passed.

Step S307, comparing the total evaluation score with a preset evaluation score, and determining a second check result of the target loan service.

And if the total evaluation score is smaller than the preset evaluation score, the second evaluation result is undetermined, and the total evaluation score is obtained by adding the first evaluation score, the second evaluation score and the third evaluation score.

The preset evaluation score can be set to be 6 minutes (10 minutes) according to the auditing requirement, and the total evaluation score obtained after the evaluation step is greater than or equal to 6 minutes, so that the loan qualification of the user is qualified and the basic requirement is met, thereby determining that the requirement of the second auditing result is passed.

Step S308, the reply information of the target loan business information is sent to the user terminal.

Wherein the reply information includes: the first audit result, the second audit result, the first evaluation score, the second evaluation score, and the third evaluation score.

Specifically, when the first evaluation score, the second evaluation score and the third evaluation score are sent to the user terminal, the first evaluation score, the second evaluation score and the third evaluation score carry standard scores according to the auditing requirements, and the standard scores are used for prompting the user of the auditing items, so that the user can conveniently adjust the auditing items later, and the defect that the user does not know the qualification of the user is avoided, so that the user repeatedly applies for loans, occupies system resources and is unfavorable for the transacting efficiency of loan services and other services.

In one possible embodiment, the first audit result is pass or pending or not pass and the second audit result is pass or pending; transmitting reply information of the target loan service information to the user terminal, including: when the first checking result is passed, judging a second checking result; if the second checking result is passed, the first reply information is sent to the user, and the first reply information is used for prompting the user to allow the application of the target loan service; if the second check result is pending, determining a reference loan amount according to the total evaluation score, and sending second reply information to the user, wherein the second reply information is used for suggesting the user to adjust the target loan amount to the reference loan amount; when the first checking result is to-be-checked, sending third reply information to the user terminal, wherein the third reply information is used for prompting the user that the bank running water checking result is to-be-checked and requesting the user to adjust the statistical period of the bank running water so that the statistical period is larger than the preset period; and when the first checking result is failed, sending fourth reply information to the user terminal, wherein the fourth reply information is used for prompting that the user identity checking result is failed and/or the bank pipelining checking result is pending.

The reference loan amount refers to a recommended application amount adapted to the auditing requirement and allowing the user to apply for a 60w loan, for example, the user requests the user to apply for the 60w loan, but because the total evaluation score is smaller than the preset evaluation score, if the total evaluation score determined according to the first evaluation score, the second evaluation score and the third evaluation score of the user is 5 points, the reference loan amount applied by the user is recommended to be 40w.

Therefore, in the embodiment of the application, the answer information is determined by judging the first checking result and the second checking result, and the answer information prompts the user whether to meet the checking requirement of the loan business, and meanwhile, the user is provided with the standard score information of the checking project, so that the adjustment after the user is refused to apply for the loan is facilitated, the situation that the user does not know the qualification defect of the user, and the repeated application of the loan occupies system resources and is unfavorable for the handling efficiency of the loan business and other businesses is avoided.

In one possible embodiment, after transmitting the reply message of the target loan service information to the user terminal, the method further includes: establishing an audit data set for the first audit result, the second audit result and user information of the user, wherein the user information comprises at least one of the following: the name of the user, the type of the user, the request mode of the user and the target information; and storing the audit data set through a database.

The request mode of the user refers to the personal loan service handling of the user through what channel in the terminal equipment, and can comprise an internet banking app, a payment app and the like of a corresponding financial institution.

In other possible embodiments, the audit requirement is configured for the above target information, based on the audit requirement obtained by the processing server 120 in fig. 1 from the audit requirement configuration server 150, where the audit requirement in the audit requirement configuration server is based on the audit requirement preconfigured by the system operator, for example, for the audit of the statistical period of the bank running water, please refer to fig. 5, fig. 5 is a schematic view of the audit requirement configuration provided in this embodiment, and as shown in fig. 5, the presentation of the statistical period audit requirement of the bank running water at the operation and maintenance end includes: in addition to the audit requirement name 51, the logical relationship 52, and the check condition 53, the cancellation operation button 54 and the save operation button 55 are further included, in fig. 5, the audit requirement name 51 is a bank running water statistics period, the logical relationship 52 represents the logical relationship between the audit requirement and other multiple audit requirements, and may include no logical relationship, alternative relationship, and parallel relationship, based on the description of the above embodiment, it is known that there is no logical relationship between the statistics period of the bank running water and other audit requirements, and the check condition 53 is used for configuring conditions meeting the audit requirement, for example, in fig. 5, the bank running water statistics period is greater than 3 months.

Specifically, as shown in fig. 5, a first drop-down operation control 521 is further included beside the logical relationship 52, and is used for popping up a drop-down selection interface after the operation and maintenance personnel performs the clicking operation, where the logical relationship includes no logical relationship, alternative relationship, and parallel relationship as described above; two drop-down operation controls, a second drop-down operation control 531 and a third drop-down operation control 532, are also included at the inspection condition 53, where the second drop-down operation control 531 is used to provide the operation staff with a way to quickly select the type of audit requirement, and the operation staff can select other audit requirements by selecting other audit requirements there, such as audit of the credit rating of the personal credit record in the above embodiment, clicking the save operation button 55 after updating here, and the audit requirement name 51 completes updating synchronously. Through the embodiment, a convenient and flexible mode for adjusting the auditing requirements is provided for operation and maintenance personnel of the system, the auditing requirements and changes can be flexibly dealt with, and the flexibility of the system is improved.

The foregoing description of the embodiments of the present application has been presented primarily in terms of a method-side implementation. It will be appreciated that the mobile electronic device, in order to achieve the above-described functionality, comprises corresponding hardware structures and/or software modules that perform the respective functions. Those of skill in the art will readily appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be embodied as hardware or a combination of hardware and computer software. Whether a function is implemented as hardware or computer software driven hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

The embodiment of the application may divide the functional units of the electronic device according to the above method example, for example, each functional unit may be divided corresponding to each function, or two or more functions may be integrated in one processing unit. The integrated units may be implemented in hardware or in software functional units. It should be noted that, in the embodiment of the present application, the division of the units is schematic, which is merely a logic function division, and other division manners may be implemented in actual practice.

Referring to fig. 6, fig. 6 is a functional block diagram of a data processing apparatus for a financial service according to an embodiment of the present application, where the data processing apparatus 600 for a financial service includes: a receiving unit 610, an extracting unit 620, a first determining unit 630, a second determining unit 640, a third determining unit 650, a fourth determining unit 660, a fifth determining unit 670, and a replying unit 680; the receiving unit 610 is configured to receive target loan service information sent by the user terminal, where the target loan service information includes a target loan amount and a loan duration for which the user requests a loan; the extracting unit 620 is configured to extract target information of a target loan service, where the target information includes: identity information, bank running water and personal credit records, the bank running water comprises: the type of bank flowing water, the statistical period of the bank flowing water and the deposit amount of the bank flowing water, and the identity information comprises the age interval of the user; the first determining unit 630 is configured to configure an identity verification result for the identity information to pass when the age interval is determined to be in the preset age interval according to the identity information, and configure the identity verification result to fail when the age interval is determined not to be in the preset age interval; the second determining unit 640 is configured to configure a bank running water auditing result for the bank running water to be pending when the statistical period of the bank running water is determined to be less than the preset period according to the statistical period of the bank running water, and configure the bank running water auditing result to be passed when the statistical period of the bank running water is determined to be greater than the preset period; a third determining unit 650, configured to determine the first evaluation score according to a type of the running water of the bank, where the type of the running water of the bank includes: the payroll flow, the self-deposit flow and the transfer flow, wherein the first evaluation score represents the stability degree of financial sources of the user; and a fourth determining unit 660, configured to determine a second evaluation score according to the deposit amount of the bank flowing water and the statistical period of the bank flowing water, where the second evaluation score characterizes the repayment capability of the user, the second evaluation score has a positive correlation with the deposit amount, and the second evaluation score has a positive correlation with the statistical period of the bank flowing water; a fifth determining unit 670, configured to determine a credit rating of the personal credit record, and configure a third evaluation score of the credit rating, where the third evaluation score characterizes a quality degree of the personal credit record, and the credit rating and the third evaluation score have an inverse relationship;

A reply unit 680 for determining a first checking result of the target loan business according to the identity checking result and the bank running water checking result; and comparing the total evaluation score with a preset evaluation score, and determining a second check result of the target loan service, wherein if the total evaluation score is larger than the preset evaluation score, the second check result is passed, and if the total evaluation score is smaller than the preset evaluation score, the second check result is pending, and the total evaluation score is obtained by adding the first evaluation score, the second evaluation score and the third evaluation score; and transmitting reply information of the target loan service information to the user terminal, the reply information including: the first audit result, the second audit result, the first evaluation score, the second evaluation score, and the third evaluation score.

In one possible embodiment, the first audit result is pass or pending or not pass and the second audit result is pass or pending; the reply information of the target loan service information is transmitted to the user terminal, and the reply unit 680 is specifically configured to: when the first checking result is passed, judging a second checking result; if the second checking result is passed, the first reply information is sent to the user, and the first reply information is used for prompting the user to allow the application of the target loan service; if the second check result is pending, determining a reference loan amount according to the total evaluation score, and sending second reply information to the user, wherein the second reply information is used for suggesting the user to adjust the target loan amount to the reference loan amount; when the first checking result is to-be-checked, sending third reply information to the user terminal, wherein the third reply information is used for prompting the user that the bank running water checking result is to-be-checked and requesting the user to adjust the statistical period of the bank running water so that the statistical period is larger than the preset period; and when the first checking result is failed, sending fourth reply information to the user terminal, wherein the fourth reply information is used for prompting that the user identity checking result is failed and/or the bank pipelining checking result is pending.

In one possible embodiment, the third evaluation score of the credit rating is configured, and the fifth determining unit 670 is specifically configured to: determining the inquiry times of the personal credit records, wherein the inquiry times are used for representing the times of inquiring the personal credit records by a user in preset time; if the number of queries exceeds the preset number, determining that the third evaluation score is 0.

In one possible embodiment, the credit rating comprises: a conventional level, an in doubt level, and an existing risk level; after configuring the third evaluation score of the credit rating, the fifth determination unit 670 is specifically further configured to: extracting information of the lending times of the user in the personal credit records according to the personal credit records; adjusting a third evaluation score according to the lending times and the credit rating; if the credit rating is the conventional rating, adding a third evaluation score according to the lending times, wherein the more the lending times are, the more the score value of the third evaluation score is added; if the credit rating is the doubtful rating or the risk rating exists, the third evaluation score is reduced according to the lending times, and the more the lending times are, the more the score value of the third evaluation score is reduced.

In one possible embodiment, the second evaluation score is determined according to the amount deposited by the bank flow and the statistical period of the bank flow, and the fourth determining unit 660 is specifically configured to: determining the monthly deposit amount according to the deposit amount of the bank running water and the statistical period of the bank running water; determining the estimated monthly payment amount according to the target loan amount and the loan period in the target loan business information; determining the ratio of the monthly deposit amount to the monthly repayment amount, wherein the larger the ratio is, the more the user has the capability of timely repayment; a second evaluation score is determined from the ratio.

In one possible embodiment, the banking running water further includes a payout amount of the banking running water; after determining the second evaluation score from the ratio, the fourth determination unit 660 is in particular also for: according to the deposit amount of the bank running water and the expenditure amount of the bank running water, determining the net income of the bank running water of the user, wherein the net income comprises a negative value and a positive value; determining a reference difference between the net benefit and a value 0 according to the net benefit which is a negative value; and adjusting the second evaluation score according to the reference difference value, wherein the adjustment value of the second evaluation score is larger as the reference difference value is larger, and the adjustment refers to the deduction operation.

In one possible embodiment, after transmitting the reply information of the target loan service information to the user terminal, the reply unit 680 is specifically further configured to: establishing an audit data set for the first audit result, the second audit result and user information of the user, wherein the user information comprises at least one of the following: the name of the user, the type of the user, the request mode of the user and the target information; and storing the audit data set through a database.

It can be understood that, since the method embodiment and the apparatus embodiment are in different presentation forms of the same technical concept, the content of the method embodiment portion in the present application should be adapted to the apparatus embodiment portion synchronously, which is not described herein.

In the case of using integrated units, as shown in fig. 7, fig. 7 is a block diagram showing functional units of a data processing apparatus for another financial service provided in the embodiment of the present application. In fig. 7, a data processing apparatus 600 of a financial service includes: a communication module 611 and a processing module 612. The processing module 612 is configured to control and manage actions of the data processing apparatus of the financial service, for example, steps of the receiving unit 610, the extracting unit 620, the first determining unit 630, the second determining unit 640, the third determining unit 650, the fourth determining unit 660, the fifth determining unit 670, and the replying unit 680, and/or other processes for performing the techniques described herein. The communication module 611 is used to support interactions between the data processing apparatus of the financial service and other devices. As shown in fig. 7, the data processing apparatus 600 of the financial transaction may further include a memory module 613, and the memory module 613 is used to store program codes and data of the data processing apparatus of the financial transaction.

The processing module 612 may be a processor or controller, such as a central processing unit (Central Processing Unit, CPU), a general purpose processor, a digital signal processor (Digital Signal Processor, DSP), an ASIC, an FPGA or other programmable logic device, a transistor logic device, a hardware component, or any combination thereof. Which may implement or perform the various exemplary logic blocks, modules, and circuits described in connection with this disclosure. A processor may also be a combination that performs computing functions, e.g., including one or more microprocessors, a combination of a DSP and a microprocessor, and so forth. The communication module 611 may be a transceiver, an RF circuit, a communication interface, or the like. The memory module 613 may be a memory. All relevant contents of each scenario related to the above method embodiment may be cited to the functional description of the corresponding functional module, which is not described herein. The data processing apparatus 600 of the financial transaction may perform the data processing method of the financial transaction shown in fig. 3.

Fig. 8 is a block diagram of an electronic device provided in the present application. As shown in fig. 8, the electronic device 700 may include one or more of the following components: a processor 701, a memory 702 coupled with the processor 701, wherein the memory 702 may store one or more computer programs that may be configured to implement the methods described in the examples above when executed by the one or more processors 701. The electronic device 700 may be a component in the energy storage system described above.

The processor 701 may include one or more processing cores. The processor 701 utilizes various interfaces and lines to connect various portions of the overall electronic device 700, perform various functions of the electronic device 700, and process data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory 702, and invoking data stored in the memory 702. Alternatively, the processor 701 may be implemented in at least one hardware form of digital signal processing (Digital Signal Processing, DSP), field-Programmable gate array (FPGA), programmable Logic Array (PLA). The processor 701 may integrate one or a combination of several of a central processing unit (Central Processing Unit, CPU), an image processor (Graphics Processing Unit, GPU), and a modem, etc. It will be appreciated that the modem may not be integrated into the processor 701 and may be implemented solely by a single communication chip.

The Memory 702 may include a random access Memory (Random Access Memory, RAM) or a Read-Only Memory (ROM). Memory 702 may be used to store instructions, programs, code, sets of codes, or instruction sets. The memory 702 may include a stored program area and a stored data area, wherein the stored program area may store instructions for implementing an operating system, instructions for implementing at least one function (such as a touch function, a sound playing function, an image playing function, etc.), instructions for implementing examples of the respective methods described above, and the like. The storage data area may also store data created by the electronic device 700 in use, and the like.

It is to be appreciated that the electronic device 700 may include more or fewer structural elements than those described in the above-described block diagrams, including, for example, a power module, physical key, wiFi (Wireless Fidelity ) module, speaker, bluetooth module, sensor, etc., without limitation.

The present application also provides a computer storage medium having stored thereon a computer program/instruction which, when executed by a processor, performs part or all of the steps of any of the methods described in the method embodiments above.

Embodiments of the present application also provide a computer program product comprising a non-transitory computer-readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps of any one of the methods described in the method embodiments above.

It should be understood that, in various embodiments of the present application, the sequence numbers of the foregoing processes do not mean the order of execution, and the order of execution of the processes should be determined by the functions and internal logic thereof, and should not constitute any limitation on the implementation process of the embodiments of the present application.

In the several embodiments provided in the present application, it should be understood that the disclosed method, apparatus, and system may be implemented in other manners. For example, the device embodiments described above are merely illustrative; for example, the division of the units is only one logic function division, and other division modes can be adopted in actual implementation; for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.

The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may be physically included separately, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in hardware plus software functional units.

The integrated units implemented in the form of software functional units described above may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium, and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform part of the steps of the methods according to the embodiments of the present invention. And the aforementioned storage medium includes: u disk, removable hard disk, magnetic disk, optical disk, volatile memory or nonvolatile memory. The nonvolatile memory may be a read-only memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an electrically Erasable EPROM (EEPROM), or a flash memory. The volatile memory may be random access memory (random access memory, RAM) which acts as an external cache. By way of example, and not limitation, many forms of random access memory (random access memory, RAM) are available, such as Static RAM (SRAM), dynamic Random Access Memory (DRAM), synchronous Dynamic Random Access Memory (SDRAM), double data rate synchronous dynamic random access memory (DDR SDRAM), enhanced Synchronous Dynamic Random Access Memory (ESDRAM), synchronous Link DRAM (SLDRAM), direct memory bus RAM (DR RAM), and the like, various mediums that can store program code.

Although the present invention is disclosed above, the present invention is not limited thereto. Variations and modifications, including combinations of the different functions and implementation steps, as well as embodiments of the software and hardware, may be readily apparent to those skilled in the art without departing from the spirit and scope of the invention.

Claims

1. A data processing method for a financial transaction, the method comprising:

extracting target information of a target loan service, wherein the target information comprises: identity information, bank running water and personal credit records, the bank running water comprises: the type of the bank flowing water, the statistical period of the bank flowing water and the deposit amount of the bank flowing water, and the identity information comprises the age interval of the user;

Determining a bank running water auditing result aiming at the bank running water according to the statistical period of the bank running water, wherein the bank running water auditing result is undetermined if the statistical period of the bank running water is smaller than a preset period, and the bank running water auditing result is passed if the statistical period of the bank running water is larger than the preset period;

determining a first evaluation score according to the type of the bank flowing water, wherein the type of the bank flowing water comprises: payroll, self-deposit and transfer flows, the first evaluation score characterizing a degree of stability of the user's financial source; the method comprises the steps of,

determining a second evaluation score according to the deposit amount of the bank flowing water and the statistical period of the bank flowing water, wherein the second evaluation score represents the repayment capacity of the user, the second evaluation score and the deposit amount are in positive correlation, and the second evaluation score and the statistical period of the bank flowing water are in positive correlation;

Determining a first verification result of the target loan business according to the identity verification result and the bank running water verification result;

transmitting reply information of the target loan service information to the user terminal, wherein the reply information comprises: the first audit result, the second audit result, the first assessment score, the second assessment score, and the third assessment score.

2. The method of claim 1, wherein the first audit result is pass or pending or not pass and the second audit result is pass or pending; the sending the reply information of the target loan business information to the user terminal comprises the following steps:

When the first checking result is passed, judging the second checking result;

if the second checking result is passed, first reply information is sent to the user, wherein the first reply information is used for prompting the user to allow the application of the target loan service;

if the second check result is pending, determining a reference loan amount according to the total check score, and sending second reply information to the user, wherein the second reply information is used for suggesting the user to adjust the target loan amount to the reference loan amount;

when the first checking result is to-be-checked, sending third reply information to the user terminal, wherein the third reply information is used for prompting the user that the bank running water checking result is to-be-checked and requesting the user to adjust the statistical period of the bank running water so that the statistical period is larger than the preset period;

and when the first checking result is not passed, sending fourth reply information to the user terminal, wherein the fourth reply information is used for prompting the user that the identity checking result is not passed and/or the bank running water checking result is pending.

3. The method of claim 1 or 2, wherein the configuring the third assessment score for the credit rating comprises:

determining the inquiry times of the personal credit records, wherein the inquiry times are used for representing the times of the user for inquiring the personal credit records in preset time;

and if the query times exceeds the preset times, determining that the third evaluation score is 0.

4. The method of claim 3, wherein the credit rating comprises: a conventional level, an in doubt level, and an existing risk level; after the configuring the third evaluation score of the credit rating, the method further comprises:

extracting information of lending times of the user in the personal credit records according to the personal credit records;

adjusting the third evaluation score according to the lending number and the credit rating;

if the credit rating is the conventional rating, increasing the third evaluation score according to the lending times, wherein the more the lending times are, the more the score value of the third evaluation score is increased;

and if the credit rating is the doubtful rating or the risk-existing rating, reducing the third evaluation score according to the lending times, wherein the more the lending times are, the more the score value of the third evaluation score is reduced.

5. A method according to claim 3, wherein said determining a second evaluation score based on the amount deposited by the bank note and the statistical period of the bank note comprises:

determining the monthly deposit amount according to the deposit amount of the bank deposit line and the statistical period of the bank deposit line;

determining an estimated average payment amount according to the target loan amount and the loan deadline in the target loan service information;

determining the ratio of the monthly deposit amount to the monthly repayment amount, wherein the larger the ratio is, the more the user has the capability of timely repayment;

and determining the second evaluation score according to the ratio.

6. The method of claim 5, wherein the bank note further comprises a payout amount of the bank note; after said determining said second evaluation score from said ratio, said method further comprises:

determining a net benefit of the bank running water of the user according to the deposit amount of the bank running water and the expenditure amount of the bank running water, wherein the net benefit comprises a negative value and a positive value;

determining a reference difference of the net benefit from a value of 0 based on the net benefit being the negative value;

And adjusting the second evaluation score according to the reference difference value, wherein the larger the reference difference value is, the larger the adjustment value of the second evaluation score is, and the adjustment is a deduction operation.

7. The method of claim 1, wherein after the sending of the reply message to the user terminal of the target loan service information, the method further comprises:

establishing an audit data set for the first audit result, the second audit result and user information of the user, the user information including at least one of: the name of the user, the type of the user, the request mode of the user and the target information;

and storing the audit data set through a database.

8. A data processing apparatus for a financial transaction, the apparatus comprising: a receiving unit, an extracting unit, a first determining unit, a second determining unit, a third determining unit, a fourth determining unit, a fifth determining unit, and a replying unit; wherein,

the receiving unit is used for receiving target loan business information sent by the user terminal, wherein the target loan business information comprises target loan amount and loan duration of the user request loan;

The extracting unit is configured to extract target information of a target loan service, where the target information includes: identity information, bank running water and personal credit records, the bank running water comprises: the type of the bank flowing water, the statistical period of the bank flowing water and the deposit amount of the bank flowing water, and the identity information comprises the age interval of the user;

the first determining unit is configured to determine an identity verification result for the identity information according to the age interval in the identity information, if the age interval is in a preset age interval, the identity verification result is passed, and if the age interval is not in the preset age interval, the identity verification result is failed;

the second determining unit is configured to determine a bank running water auditing result for the bank running water according to the statistical period of the bank running water, if the statistical period of the bank running water is less than a preset period, the bank running water auditing result is pending, and if the statistical period of the bank running water is greater than the preset period, the bank running water auditing result is passed;

the third determining unit is configured to determine a first evaluation score according to a type of the bank flowing water, where the type of the bank flowing water includes: payroll, self-deposit and transfer flows, the first evaluation score characterizing a degree of stability of the user's financial source; the method comprises the steps of,

The fourth determining unit is configured to determine a second evaluation score according to the deposit amount of the bank deposit and the statistical period of the bank deposit, where the second evaluation score characterizes the repayment capability of the user, the second evaluation score and the deposit amount are in a positive correlation, and the second evaluation score and the statistical period of the bank deposit are in a positive correlation;

the fifth determining unit is configured to determine a credit rating of the personal credit record, and configure a third evaluation score of the credit rating, where the third evaluation score characterizes a quality degree of the personal credit record, and the credit rating and the third evaluation score are in an inverse correlation relationship;

9. An electronic device comprising a processor, a memory for storing one or more programs and configured to be executed by the processor, the programs comprising instructions for performing the steps in the method of any of claims 1-7.

10. A computer-readable storage medium, characterized in that a computer program for electronic data exchange is stored, wherein the computer program causes a computer to perform the method according to any one of claims 1-7.