CN117745412A

CN117745412A - Resource information processing method, device, computer equipment and storage medium

Info

Publication number: CN117745412A
Application number: CN202311643112.4A
Authority: CN
Inventors: 张茁涵; 王瑞峰; 刘侃; 梁栋; 陈计友; 谢博文
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-12-04
Filing date: 2023-12-04
Publication date: 2024-03-22

Abstract

The application relates to a resource information processing method, a resource information processing device, computer equipment, a storage medium and a computer program product, and relates to the technical field of big data. The method comprises the following steps: pushing pre-investigation information of a resource borrowing application end to a credit service providing end, and responding to a pre-verification passing instruction to instruct the resource borrowing application end to display a resource borrowing application interface; responding to the resource borrowing application information, and initiating the admission compliance verification of a resource providing end for target information; under the condition that the access compliance verification of the resource providing end aiming at the target information is passed, responding to a verification passing instruction, and determining resource transfer indication information according to the target information; after the resource providing end finishes transferring the resource to the resource borrowing application end according to the resource transfer indication information, pushing the resource transfer record information to the credit service providing end. By adopting the method, the data interaction efficiency of the process data in the credit service providing process can be improved.

Description

Resource information processing method, device, computer equipment and storage medium

Technical Field

The present invention relates to the field of big data technologies, and in particular, to a resource information processing method, an apparatus, a computer device, a storage medium, and a computer program product.

Background

In the technical field of financial science and technology, there are a resource borrowing application end, a resource providing end and a credit service providing end, when the resource borrowing application end needs to apply for resource transfer to the resource providing end, the resource providing end does not directly transfer resources to the resource borrowing application end in order to reduce the risk of transferring resources, but requires the resource borrowing application end to find a credit service providing end of a third party to provide credit service for the resource borrowing application end, and after the resource transferring task is completed, the resource providing end needs to deliver process data generated in a credit service providing process to the credit service providing end.

In the conventional technology, the data delivery method used between the resource providing end and the credit service providing end is as follows: after the transaction occurs, the resource providing end sorts the process data in the resource credit service providing process through the client account of the service manager in the service system and then pushes the process data to the credit service providing end.

However, the present credit service providing service has the characteristics of large service quantity and large resource amount, so that the problem of untimely data synchronization exists in the delivery method of the process data in the present credit service providing process, and the data interaction efficiency of the process data in the credit service providing process is lower.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource information processing method, apparatus, computer device, computer readable storage medium, and computer program product that can improve data interaction efficiency of process data in a credit service providing process.

In a first aspect, the present application provides a resource information processing method. The method comprises the following steps:

pushing pre-investigation information of a resource borrowing application end to a credit service providing end, and responding to a pre-verification passing instruction of the credit service providing end for the pre-investigation information, indicating the resource borrowing application end to display a resource borrowing application interface;

responding to resource borrowing application information input by the resource borrowing application end in the resource borrowing application interface, and initiating admission compliance verification of a resource providing end for target information; the target information comprises the resource borrowing application information and the pre-investigation information;

under the condition that the admission compliance verification of the resource providing end aiming at the target information is passed, responding to an admission verification passing instruction of the credit service providing end for carrying out the admission compliance verification aiming at the target information, and determining resource transfer indication information according to the target information;

After the resource providing end finishes transferring the resource to the resource borrowing application end according to the resource transfer indication information, pushing resource transfer record information to the credit service providing end; the resource transfer record information is obtained by summarizing the target information and the resource transfer indication information.

In one embodiment, before the step of pushing the pre-investigation information of the resource borrowing application end to the credit service provider, the method further includes:

acquiring a service providing node identifier of the credit service providing end;

acquiring a resource providing node identifier of each resource sub-providing end in the resource providing end;

associating the service providing node identifier with the resource providing node identifier according to a preset corresponding relation to obtain a service providing node query database;

and inquiring the database according to the service providing node, and inquiring the credit service providing end associated with each resource sub-providing end so as to push data from the resource sub-providing end to the credit service providing end.

In one embodiment, the querying, according to the service providing node, the database to obtain the credit service providing end associated with each resource sub-providing end includes:

Acquiring a previous node identification of the resource sub-providing end under the condition that the credit service providing end related to the resource sub-providing end is inquired to be unsuccessful;

obtaining a corresponding target node identifier of the previous node in the service providing node query database according to the previous node identifier query;

and the credit service providing end corresponding to the target node identification is used as the credit service providing end associated with the resource sub-providing end.

In one embodiment, the determining the resource transfer indication information according to the target information includes:

indicating the resource borrowing application terminal to display a credit service contract signing page according to the target information;

and determining resource transfer indication information according to the subscription information input by the resource borrowing application terminal for the credit service contract subscription page.

In one embodiment, the indicating, according to the target information, that the resource borrowing application end displays a credit service contract signing page includes:

calculating to obtain credit service expense information according to the target information;

indicating the resource borrowing application end display fee payment page according to the credit service fee information;

Responding to a payment completion instruction of the resource borrowing application end for the fee payment page, and pushing the credit service fee information to the credit service providing end;

and responding to the fee confirmation instruction of the credit service providing end, and indicating the resource borrowing application end to display the credit service contract signing page.

In one embodiment, the method further comprises:

after the resource providing end finishes transferring the resource to the resource borrowing application end according to the resource transfer indication information, checking the resource transfer record information to obtain a checking result;

and pushing the check result to the credit service providing end.

In one embodiment, the method further comprises:

acquiring a first data interaction record between the resource providing end and the resource borrowing application end;

acquiring a second data interaction record between the resource providing end and the credit service providing end;

and summarizing the first data interaction record, the second data interaction record, the target information and the resource transfer indication information to obtain the resource transfer record information.

In a second aspect, the present application further provides a resource information processing apparatus. The device comprises:

the resource borrowing application indication module is used for pushing the pre-investigation information of the resource borrowing application end to the credit service providing end and indicating the resource borrowing application end to display a resource borrowing application interface in response to a pre-verification passing instruction of the credit service providing end for the pre-investigation information;

the admission compliance verification module is used for responding to the resource borrowing application information input by the resource borrowing application end in the resource borrowing application interface and initiating the admission compliance verification of the resource providing end for the target information; the target information comprises the resource borrowing application information and the pre-investigation information;

the resource transfer indication information determining module is used for responding to an admission check passing instruction of the credit service providing end for carrying out admission compliance check on the target information under the condition that the admission compliance check of the resource providing end on the target information is passed, and determining resource transfer indication information according to the target information;

the resource transfer record information pushing module is used for pushing the resource transfer record information to the credit service providing end after the resource providing end completes the resource transfer to the resource borrowing application end according to the resource transfer indication information; the resource transfer record information is obtained by summarizing the target information and the resource transfer indication information.

In one embodiment, the apparatus further comprises:

the first identifier acquisition module is used for acquiring the service providing node identifier of the credit service providing end;

the second identifier acquisition module is used for acquiring the resource providing node identifiers of each resource sub-providing end in the resource providing ends;

the query database determining module is used for associating the service providing node identifier with the resource providing node identifier according to a preset corresponding relation to obtain a service providing node query database;

and the query module is used for querying a database according to the service providing node, and querying to obtain the credit service providing end associated with each resource sub-providing end so as to push data from the resource sub-providing end to the credit service providing end.

In one embodiment, the query module includes:

the upper node identification acquisition module is used for acquiring the upper node identification of the resource sub-providing end under the condition that the credit service providing end related to the resource sub-providing end is inquired to be unsuccessful;

the target node identification determining module is used for inquiring according to the previous node identification to obtain a corresponding target node identification of the previous node in the service providing node inquiry database;

And the credit service providing end determining module is used for using the credit service providing end corresponding to the target node identifier as the credit service providing end associated with the resource sub-providing end.

In one embodiment, the resource transfer indication information determining module includes:

the contract signing page display module is used for indicating the resource borrowing application terminal to display a credit service contract signing page according to the target information;

and the resource transfer indication information determining submodule is used for determining resource transfer indication information according to the subscription information input by the resource borrowing application terminal aiming at the credit service contract subscription page.

In one embodiment, the sign-up page display module includes:

the charge calculation module is used for calculating and obtaining credit service charge information according to the target information;

the payment page display module is used for indicating the resource borrowing application end to display a payment page according to the credit service cost information;

the fee pushing module is used for responding to the payment completion instruction of the resource borrowing application terminal aiming at the fee payment page and pushing the credit service fee information to the credit service providing terminal;

And the contracted page display sub-module is used for responding to the fee confirmation instruction of the credit service providing end and indicating the resource borrowing application end to display the credit service contract contracted page.

In one embodiment, the apparatus further comprises:

the record information checking module is used for checking the resource transfer record information after the resource providing end finishes transferring the resource to the resource borrowing application end according to the resource transfer indication information to obtain a checking result;

and the check result pushing module is used for pushing the check result to the credit service providing end.

In one embodiment, the apparatus further comprises:

the first data interaction record acquisition module is used for acquiring a first data interaction record between the resource providing end and the resource borrowing application end;

the second data interaction record acquisition module is used for acquiring a second data interaction record between the resource providing end and the credit service providing end;

and the record information summarizing module is used for summarizing the first data interaction record, the second data interaction record, the target information and the resource transfer indication information to obtain the resource transfer record information.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:

In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:

In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:

According to the resource information processing method, the device, the computer equipment, the storage medium and the computer program product, the pre-investigation information of the resource borrowing application end is pushed to the credit service providing end at first, the pre-verification passing instruction is responded, the resource borrowing application end is indicated to display a resource borrowing application interface, then the access compliance verification of the resource providing end is initiated in response to the resource borrowing application information, then the access compliance verification of the resource providing end is passed, the access compliance verification passing instruction of the credit service providing end is responded, the resource transfer indicating information is determined, finally after the resource transfer is completed, the resource transfer recording information is pushed to the credit service providing end, the problems that the process data synchronization is not timely and the data quality is low in the credit service providing process are solved, the problem that the manual recording data is not timely and the pain point of poor quality is solved, the data direct connection mode between the resource providing end and the credit service providing end is provided, the real-time pushing of the data is realized, the data delay is reduced, the verification process related to the compliance rule is tightly combined with the data pushing process, the accuracy of the data quality is guaranteed, and the beneficial effects of improving the data interaction efficiency and service efficiency are obtained.

Drawings

FIG. 1 is an application environment diagram of a resource information processing method in one embodiment;

FIG. 2 is a flow chart of a method for processing resource information in one embodiment;

FIG. 3 is a flowchart of a resource information processing method according to another embodiment;

FIG. 4 is a schematic diagram of a data direct connection principle of a resource information processing method in one embodiment;

FIG. 5 is a block diagram showing the structure of a resource information processing apparatus in one embodiment;

FIG. 6 is an internal block diagram of a computer device in one embodiment;

fig. 7 is an internal structural view of a computer device in another embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.

It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data are required to comply with the related laws and regulations and standards of the related countries and regions.

It should be noted that the resource information processing method, apparatus, computer device, storage medium and computer program product disclosed in the present application may be applied to the field of financial science and technology, and may also be applied to any field other than the field of financial science and technology.

The resource information processing method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network.

The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, and portable wearable devices, where the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart vehicle devices, and the like. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers.

It should be noted that, the method for processing resource information provided in the embodiments of the present application relates to a resource providing end, a credit service providing end and a resource borrowing application end, where the resource providing end includes a server or a terminal of a financial institution such as a bank, the credit service providing end includes a server or a terminal of a guarantee institution, the resource borrowing application end includes a server or a terminal corresponding to an individual or an enterprise needing to apply for a resource, and the resource includes a financial resource.

In one embodiment, as shown in fig. 2, a resource information processing method is provided, and the method is applied to the terminal 102 in fig. 1 for illustration, and includes the following steps:

s201, pushing the pre-investigation information of the resource borrowing application end to the credit service providing end, and responding to a pre-verification passing instruction of the credit service providing end for the pre-investigation information, indicating the resource borrowing application end to display a resource borrowing application interface.

The pre-investigation information is information obtained by pre-investigation of a bank on a client before pre-compliance verification, the pre-verification passing instruction is used for representing whether the pre-compliance verification passes or not, and the resource borrowing application interface refers to a loan application interface displayed by the client.

Illustratively, after the client initiates the loan, the bank first conducts a investigation link, in which related information is pushed to the guarantee mechanism for the first time to conduct pre-compliance check, and after the client conducts the offline investigation link, the client initiates the loan application in the online application software.

S202, responding to resource borrowing application information input by a resource borrowing application end in a resource borrowing application interface, and initiating admission compliance verification of a resource providing end for target information.

The target information comprises resource borrowing application information and pre-investigation information, the resource borrowing application information refers to loan related information input by a client in an interface, such as loan amount and loan time, and the resource providing end performs admission compliance verification on the target information and refers to admission compliance verification on client data by a bank.

S203, under the condition that the admission compliance verification of the resource providing end aiming at the target information is passed, responding to an admission verification passing instruction of the credit service providing end for carrying out the admission compliance verification aiming at the target information, and determining resource transfer indication information according to the target information.

The credit service providing end performs admission compliance verification on target information, namely admission compliance verification on the client data by a guarantee mechanism, and compared with a verification mode adopted by bank for admission compliance verification on the client data, the credit service providing end has the advantages that the requirements of verification can be the same or different, the verification results can be the same or different, and the two types of verification are the same as the admission compliance verification, but the verification results are mutually independent.

In the application process, the admission related data is pushed to the guarantee mechanism for second admission compliance verification, after the verification is passed, the loan information is pushed to the guarantee mechanism again for premium calculation, and then the calculated information is sent back to the bank for the bank to generate the resource transfer indication information.

S204, after the resource providing end finishes transferring the resource to the resource borrowing application end according to the resource transfer indication information, pushing the resource transfer record information to the credit service providing end.

The resource transfer record information is obtained by summarizing target information and resource transfer indication information and is used for recording process data of the whole guarantee process.

Illustratively, after the loan is issued, the bank pushes the borrowing customer's docket information to a vouchering mechanism so that the vouchering mechanism oversees the borrower's repayment.

In the resource information processing method, the pre-investigation information of the resource borrowing application end is pushed to the credit service providing end at first, the resource borrowing application end is indicated to display a resource borrowing application interface in response to a pre-verification passing instruction, then the access compliance verification of the resource providing end is initiated in response to the resource borrowing application information, then the access compliance verification of the resource providing end is passed, the resource transfer indication information is determined in response to the access verification passing instruction of the credit service providing end, finally after the resource transfer is completed, the resource transfer record information is pushed to the credit service providing end, the problem that the process data synchronization is not timely and the data quality is low in the credit service providing process is solved, the problem that the manually recorded data is not timely and the pain point of poor quality is solved, a data direct connection mode between the resource providing end and the credit service providing end is provided, real-time pushing of data is realized, data delay is reduced, the verification process related to the compliance rule is tightly combined with the data pushing process, the accuracy of data quality is guaranteed, and the beneficial effects of improving the data interaction efficiency and service efficiency are obtained.

In one embodiment, before the step of pushing the pre-investigation information of the resource borrowing application end to the credit service provider, the method further includes: acquiring a service providing node identifier of a credit service providing end; acquiring a resource providing node identifier of each resource sub-providing end in the resource providing end; associating the service providing node identifier with the resource providing node identifier according to a preset corresponding relation to obtain a service providing node query database; and querying the database according to the service providing node, and querying to obtain credit service providing ends associated with each resource sub-providing end so as to push data from the resource sub-providing end to the credit service providing end.

The service providing node identifier is a device identifier of a credit service providing end, the resource providing node identifier is a device identifier of a resource sub-providing end, the resource providing end comprises at least one resource sub-providing end, the preset corresponding relation refers to the corresponding relation between the resource providing end and the credit service providing end, and the service providing node query database is used for storing and querying the corresponding relation. It should be noted that, the service providing node refers to a guarantee mechanism, and the resource providing node refers to a down-set mechanism of a bank, such as a branch.

The method includes the steps of firstly establishing mapping relations between unique numbers of the management mechanisms of the guarantee mechanisms and the guarantee enterprises in the bank system, then maintaining the corresponding guarantee mechanisms of the branches into the mapping relations at the bank end to form mapping relations from the management mechanisms to the guarantee companies and then to the banks for service managers to use, and when specific services are handled by the branches, querying the mapping relations of the guarantee mechanisms by using the information query function of the management mechanisms.

In this embodiment, firstly, the service providing node identifier of the credit service providing end is obtained, then, the resource providing node identifiers of each resource sub-providing end in the resource providing end are obtained, and then, the two identifiers are associated to obtain a service providing node query database for querying and obtaining the credit service providing end associated with each resource sub-providing end, so that data is pushed from the resource sub-providing end to the credit service providing end, query of each service providing node identifier in the credit service providing end is realized, and the beneficial effect of improving the node query efficiency of the credit service providing end is obtained.

In one embodiment, querying a database according to a service providing node, the querying obtaining credit service providing ends associated with each resource sub-providing end includes: under the condition that the credit service providing end related to the inquiring resource sub-providing end is unsuccessful, acquiring a previous node identification of the resource sub-providing end; obtaining a corresponding target node identifier of a previous node in a service providing node query database according to the previous node identifier query; and the target node is identified to be a corresponding credit service providing end and is used as a credit service providing end associated with the resource sub-providing end.

The upper node identification of the resource sub-providing end refers to the identification of an upper level mechanism of a mechanism in a bank, for example, the upper level node of a branch is a branch, and the upper level node of the branch is a general line; the target node is identified as the number of the guarantee mechanism corresponding to the inquired upper level node.

For example, when each branch handles a specific service, the information inquiry function of the sponsor organization may be used to inquire the mapping relation of the guarantee organization first, and if the mapping relation is not found, the mapping relation of the upper-level organization is inquired in an upward retrospective way until the mapping relation is found.

In this embodiment, firstly, under the condition that the credit service provider associated with the resource sub-provider is not successfully queried, the previous node identifier of the resource sub-provider is obtained, then the corresponding target node identifier of the previous node in the service provider node query database is queried, finally, the credit service provider corresponding to the target node identifier is used as the credit service provider associated with the resource sub-provider, the query of the credit service provider number of each resource provider is realized by using an upward retrospective query method, the abnormality of data query is overcome, the preparation work of data push is completed, and the beneficial effect of improving the node query stability of the credit service provider is obtained.

In one embodiment, determining the resource transfer indication information from the target information includes: indicating the resource borrowing application terminal to display a credit service contract signing page according to the target information; and determining resource transfer indication information according to the subscription information input by the resource borrowing application terminal aiming at the credit service contract subscription page.

The target information comprises resource borrowing application information and pre-investigation information, the credit service contract signing page refers to a signing page of a consignment guarantee contract displayed on the client terminal, the signing information refers to confirmation information of a user for contract signing, and the resource transfer indication information refers to indication information for indicating a bank to issue loan, such as an issuing amount, issuing time, loan period and the like.

In this embodiment, the resource borrowing application terminal is indicated to display the credit service contract signing page according to the target information, then the resource transfer indication information is determined according to the signing information input by the resource borrowing application terminal for the credit service contract signing page, the signing process of the client is realized in a visual interaction mode, and an indication is made for the resource transfer after signing is completed, so that the beneficial effect of improving the service handling efficiency is obtained.

In one embodiment, indicating, according to the target information, that the resource borrowing application terminal displays a credit service contract signing page includes: calculating credit service charge information according to the target information; indicating a resource borrowing application end display fee payment page according to the credit service fee information; responding to a payment completion instruction of the resource borrowing application end for the fee payment page, and pushing credit service fee information to the credit service providing end; and responding to a fee confirmation instruction of the credit service providing end, and indicating the resource borrowing application end to display a credit service contract signing page.

The credit service charge information refers to a charge to be charged by a charge-collecting mechanism, the charge-collecting page refers to a page for collecting charges displayed on the client terminal, the collecting completion instruction is used for representing collecting completion, and the charge confirmation instruction refers to a confirmation instruction after the charge-collecting mechanism collects the charges for the user.

The bank calculates the guarantee fee according to the target information after data verification, instructs the user to pay the fee at the client, pushes the information to the guarantee organization after the fee is successfully paid, instructs the user to sign the entrusted guarantee contract at the client, and instructs the bank to implement loan issuing after the signing is successful.

In this embodiment, credit service fee information is calculated according to target information, then a resource borrowing application end is indicated to display a fee payment page according to the credit service fee information, further, credit service fee information is pushed to a credit service providing end in response to a payment completion instruction, and finally, the resource borrowing application end is indicated to display a credit service contract signing page in response to a fee confirmation instruction, so that calculation of premium information is achieved, a fee payment process signing flow is bound, a business processing process and a data pushing process are tightly combined, a task from fee calculation to contract signing is achieved, contract signing efficiency is improved, and further, the beneficial effect of improving business handling efficiency is achieved.

In one embodiment, the method further comprises: after the resource providing end finishes transferring the resource to the resource borrowing application end according to the resource transfer indication information, checking the resource transfer record information to obtain a checking result; pushing the check result to the credit service provider.

The resource transfer record information includes, but is not limited to, target information, resource transfer indication information and data interaction records of the whole process, the verification result refers to a verification result of the bank on the resource transfer record information, and specifically, the record information includes basic information of borrowers, loan amount, repayment period, repayment mode and the like.

For example, after generating the resource transfer record information, the resource provider may check the obtained target information, the resource transfer instruction information, and other information by using the data interaction record of the process, and push the data to the credit service provider after checking.

In this embodiment, after the resource providing end transfers the resource to the resource borrowing application end according to the resource transfer instruction information, the resource transfer record information is checked to obtain a check result, so that the data check of the local end of the resource providing end is completed, the record information accuracy is improved, and the security of the data record process is obtained.

In one embodiment, the method further comprises: acquiring a first data interaction record between a resource providing end and a resource borrowing application end; acquiring a second data interaction record between the resource providing end and the credit service providing end; and summarizing the first data interaction record, the second data interaction record, the target information and the resource transfer indication information to obtain the resource transfer record information.

The first data interaction record is an interaction record between the resource providing end and the resource borrowing application end, and the second data interaction record is an interaction record between the resource providing end and the credit service providing end. It should be noted that the resource transfer record information includes both the data entity of the process and the flow record of the data interaction.

In this embodiment, first data interaction records between a resource providing end and a resource borrowing application end are obtained, then second data interaction records between the resource providing end and a credit service providing end are obtained, finally the first data interaction records, the second data interaction records, target information and resource transfer indication information are summarized to obtain resource transfer record information, and meanwhile, data and interaction flows involved in an interaction process are recorded to obtain the beneficial effect of improving completeness of the data record process.

In another embodiment, as shown in fig. 3, there is provided a resource information processing method, including the steps of:

s301, obtaining a service providing node identifier of a credit service providing end.

S302, obtaining the resource providing node identification of each resource sub-providing end in the resource providing end.

S303, associating the service providing node identification with the resource providing node identification according to a preset corresponding relation to obtain a service providing node query database.

S304, under the condition that the credit service providing end related to the inquiring resource sub-providing end is unsuccessful, the node identification of the upper level of the resource sub-providing end is obtained.

S305, obtaining a corresponding target node identification of the previous node in the service providing node query database according to the previous node identification query.

S306, the credit service provider corresponding to the target node identification is used as the credit service provider associated with the resource sub-provider.

S307, the resource borrowing application terminal is indicated to display a resource borrowing application interface.

S308, initiating the admission compliance check of the resource providing end for the target information.

S309, determining resource transfer instruction information according to the target information, and checking the resource transfer record information to obtain a checking result.

S310, pushing the checking result to the credit service providing end.

It should be noted that, the specific limitation of the above steps may be referred to the specific limitation of a resource information processing method, which is not described herein.

In one embodiment, when a person or an enterprise loans to a bank, the bank does not directly pay the money to the person in order to reduce the risk, but requires the borrower to find a third party guarantee mechanism to guarantee the person or the enterprise, and the guarantee type loan has the characteristics of low risk, large loan quantity and large amount. The process data includes admission check data, premium information (such as information of a guarantee amount, a collection institution and the like) and record information (such as premium confirmation and business record information).

However, the original mode adopted in the guarantee type loan service not only consumes a lot of manpower and material resources, but also has the defects of untimely data recording and poor data quality, and the bank and the guarantee company have untimely data synchronization, so that the workload of manual recording is large and mistakes are easy to occur.

In addition, the difficulty of the security service handling is that the corresponding security mechanisms are different when the respective branches handle the service, the security mechanisms need to be unified to manage and push data to the management mechanisms of the security mechanisms, such as national financing security funds, and both sides need to identify the corresponding unique numbers of the respective security mechanisms, so that when the data pushing is needed by the branches, the data pushing cannot be performed because the corresponding identification of the security mechanisms in the management mechanisms cannot be known; or the corresponding guarantee mechanism cannot be inquired because the descending mechanism of the branch does not correspond to the guarantee mechanism. Thus, current branch authorities query the corresponding vouching authorities with less efficient queries.

Based on the method, the bank pushes data to the guarantee company in real time in the transaction process, related information data is directly pushed and directly connected in online transaction, and manual pushing after the transaction is not relied on, so that the business handling efficiency is improved.

The resource information processing method provided by the application can timely and accurately give the loan data of the bank to the relevant guarantee companies, practically solves the pain points of untimely manual record and poor data quality of the loan of each line of guarantee class, and provides a more refined management mode for financial business.

For ease of understanding by those skilled in the art, fig. 4 is an exemplary schematic diagram of a data direct connection method for processing resource information. The resource information processing method is described in detail below in a specific embodiment with reference to fig. 4. It is to be understood that the following description is exemplary only and is not intended to limit the application to the details of construction and the arrangements of the components set forth herein.

As shown in fig. 4, after a client initiates a loan, a bank first goes through a line investigation link, in which the client pushes related information to a guarantee mechanism for pre-compliance check, after passing through the line investigation link, the client initiates a loan application on an online APP, in which the application process pushes related admittance data to the guarantee mechanism for second admittance compliance check, after the check passes, the loan information is pushed to the guarantee mechanism again for premium calculation, the detailed way of premium calculation can be that the rate is multiplied by the loan amount, then the calculated information (such as the premium amount, the information of a collection mechanism and the like) is sent back to the bank, and then after the client completes signing, the bank integrates the recorded information and pushes the recorded information to the guarantee mechanism finally.

After the loan is issued, the bank pushes the record information of the borrower to the guarantee mechanism so that the guarantee mechanism can monitor the repayment condition of the borrower, wherein the record information comprises the basic information of the borrower, the loan amount, the repayment period, the repayment mode and the like. The guarantee mechanism can supervise and manage borrowers according to the information, so that the borrowers can pay money on time, meanwhile, the paying problem can be found and solved in time, the loan risk is reduced, the pushing of the record information is beneficial to the communication and cooperation between banks and the guarantee mechanism, the loan risk is managed and controlled together, and the safety and compliance of the loan are ensured.

The resource information processing method relies on the existing system framework of each bank and the guarantee mechanism system, the data connection between the banks and the guarantee mechanism is realized through a private network, and the safety and the high efficiency of data transmission are ensured.

In addition, aiming at the problem that the query efficiency of the corresponding guarantee mechanism is low in the query of the branch mechanism, the resource information processing method provided by the application adopts an upward retrospective mapping method, firstly, a one-to-one mapping relation is established between the unique number of each guarantee mechanism in the system of the management mechanism and the guarantee enterprises in the bank system, then, the corresponding guarantee mechanisms of each branch are maintained in the mapping relation at the bank end, a group of one-to-one mapping relation from the management mechanism to the guarantee enterprises and then to the bank is formed, and the maintenance and the newly added functions of the relation are added for service managers. When each branch transacts a specific service, the information inquiry function of the sponsor organization can be used for inquiring the mapping relation of the guarantee organization, and if the mapping relation is not found, the mapping relation of the superior organization is inquired in an upward tracing mode until the mapping relation is found.

The upward retrospective mapping method adopted by the resource information processing method can perfectly solve the problem that the business data from the bank to the management mechanism of the guarantee mechanism are inconsistent, and realizes the direct connection of the data of the bank and the guarantee mechanism.

According to the resource information processing method, the method of directly connecting the data of the information of the guarantee mechanism is firstly provided to meet the requirement that the guarantee mechanism needs timely and accurate loan data, the data is pushed to the guarantee mechanism in real time in the transaction process, the data delay is reduced, and the guarantee mechanism can also make own compliance rules in a loan flow according to the data information, so that the identification and screening of customer qualification are enhanced; the data is directly connected, and the accuracy of the data quality can be ensured because the data is recorded by the system.

According to the resource information processing method, the bank pushes data to the guarantee company in real time in the transaction process, the problem that each line of guarantee type loan is not timely manually recorded and has poor data quality is solved, the data interaction efficiency between the bank and the guarantee mechanism is greatly improved through the mode of directly connecting the data of the guarantee mechanism, and in addition, compared with the mode that a data pushing function is opened in a business system of the guarantee mechanism, the resource information processing method reduces the system development and maintenance cost and improves the efficiency of resource integration.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a resource information processing device for realizing the above-mentioned related resource information processing method. The implementation of the solution provided by the apparatus is similar to the implementation described in the above method, so the specific limitation in the embodiments of one or more resource information processing apparatus provided below may refer to the limitation of the resource information processing method hereinabove, and will not be repeated herein.

In one embodiment, as shown in fig. 5, there is provided a resource information processing apparatus including: the resource borrowing application instruction module 501, the admission compliance verification module 502, the resource transfer instruction information determining module 503, and the resource transfer record information pushing module 504, wherein:

the resource borrowing application indication module 501 is configured to push the pre-investigation information of the resource borrowing application end to the credit service providing end, and instruct the resource borrowing application end to display a resource borrowing application interface in response to a pre-verification passing instruction of the credit service providing end for the pre-investigation information;

the admission compliance verification module 502 is configured to initiate admission compliance verification of the resource provider for the target information in response to the resource borrowing application information input by the resource borrowing application end in the resource borrowing application interface; the target information comprises resource borrowing application information and pre-investigation information;

a resource transfer indication information determining module 503, configured to determine resource transfer indication information according to target information in response to an admission check passing instruction that the credit service providing end performs admission compliance check on the target information, where the admission compliance check of the resource providing end on the target information passes;

The resource transfer record information pushing module 504 is configured to push the resource transfer record information to the credit service providing end after the resource providing end completes transferring the resource to the resource borrowing application end according to the resource transfer instruction information; the resource transfer record information is obtained by summarizing target information and resource transfer indication information.

In one embodiment, the apparatus further comprises: the first identifier acquisition module is used for acquiring a service providing node identifier of the credit service providing end; the second identifier acquisition module is used for acquiring the resource providing node identifiers of each resource sub-providing end in the resource providing ends; the query database determining module is used for associating the service providing node identifier with the resource providing node identifier according to a preset corresponding relation to obtain a service providing node query database; and the query module is used for querying the database according to the service providing nodes, and querying to obtain the credit service providing end associated with each resource sub-providing end so as to push data from the resource sub-providing end to the credit service providing end.

In one embodiment, a query module includes: the upper node identification acquisition module is used for acquiring the upper node identification of the resource sub-providing end under the condition that the credit service providing end associated with the resource sub-providing end is inquired to be unsuccessful; the target node identification determining module is used for inquiring according to the previous node identification to obtain a corresponding target node identification of the previous node in the service providing node inquiring database; and the credit service provider determining module is used for using the credit service provider corresponding to the target node identifier as the credit service provider associated with the resource sub-provider.

In one embodiment, the resource transfer indication information determining module includes: the contract signing page display module is used for indicating the resource borrowing application terminal to display a credit service contract signing page according to the target information; the resource transfer instruction information determining sub-module is used for determining resource transfer instruction information according to the subscription information input by the resource borrowing application terminal aiming at the credit service contract subscription page.

In one embodiment, the sign-up page display module includes: the charge calculation module is used for calculating and obtaining credit service charge information according to the target information; the payment page display module is used for indicating the resource borrowing application end to display a payment page according to the credit service cost information; the fee pushing module is used for responding to a payment completion instruction of the resource borrowing application terminal for the fee payment page and pushing the credit service fee information to the credit service providing terminal; and the subscription page display sub-module is used for responding to the fee confirmation instruction of the credit service providing end and indicating the resource borrowing application end to display the credit service contract subscription page.

In one embodiment, the apparatus further comprises: the record information checking module is used for checking the resource transfer record information after the resource providing end finishes transferring the resource to the resource borrowing application end according to the resource transfer indication information to obtain a checking result; and the check result pushing module is used for pushing the check result to the credit service providing end.

In one embodiment, the apparatus further comprises: the first data interaction record acquisition module is used for acquiring a first data interaction record between the resource providing end and the resource borrowing application end; the second data interaction record acquisition module is used for acquiring a second data interaction record between the resource providing end and the credit service providing end; and the record information summarizing module is used for summarizing the first data interaction record, the second data interaction record, the target information and the resource transfer indication information to obtain resource transfer record information.

Each of the modules in the above-described resource information processing apparatus may be implemented in whole or in part by software, hardware, or a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 6. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource information processing method.

In one embodiment, a computer device is provided, which may be a terminal, and the internal structure of which may be as shown in fig. 7. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a resource information processing method. The display unit of the computer device is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by those skilled in the art that the structures shown in fig. 6 and 7 are block diagrams of only some of the structures associated with the present application and are not intended to limit the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device includes a memory having a computer program stored therein and a processor that when executing the computer program performs the steps of the method embodiments described above.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.

In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims

1. A resource information processing method, the method comprising:

2. The method of claim 1, wherein before the step of pushing the pre-survey information of the resource borrowing applicant to the credit service provider, the method further comprises:

3. The method according to claim 2, wherein said querying the database from the service providing node for the credit service provider associated with each of the resource sub-providers comprises:

4. The method of claim 1, wherein the determining the resource transfer indication information from the target information comprises:

5. The method of claim 4, wherein the instructing the resource borrowing application to display a credit service contract contracted page according to the target information includes:

6. The method according to claim 1, wherein the method further comprises:

and pushing the check result to the credit service providing end.

7. The method according to any one of claims 1 to 6, further comprising:

8. A resource information processing apparatus, characterized in that the apparatus comprises:

9. The apparatus of claim 8, wherein the apparatus further comprises:

10. The apparatus of claim 9, wherein the query module comprises:

11. The apparatus of claim 8, wherein the resource transfer indication information determination module comprises:

12. The apparatus of claim 11, wherein the sign-up page presentation module comprises:

13. The apparatus of claim 8, wherein the apparatus further comprises:

14. The apparatus according to any one of claims 8 to 13, further comprising:

15. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 7 when the computer program is executed.

16. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 7.

17. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 7.