CN103810634A - Method and device for realizing checking of loan business information - Google Patents
Method and device for realizing checking of loan business information Download PDFInfo
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- CN103810634A CN103810634A CN201410079841.6A CN201410079841A CN103810634A CN 103810634 A CN103810634 A CN 103810634A CN 201410079841 A CN201410079841 A CN 201410079841A CN 103810634 A CN103810634 A CN 103810634A
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Abstract
The invention relates to the technical field of information, in particular to a method and a device for realizing checking of loan business information. The method comprises the following steps: determining information checking demand and acquiring loan business information corresponding to the information checking demand; judging whether loan request basic information is matched with pre-stored qualification checking information or not, if not, transmitting a blocking processing signal and alarming; verifying whether credit granting information satisfies a preset loan business credit granting rule or not, if not, transmitting a blocking processing signal and alarming; when the credit granting information satisfies the preset loan business credit granting rule, verifying whether loan business processing flow information is consistent with a preset loan business processing requirement or not, if not, transmitting a blocking processing signal and alarming. By adopting the method and the device, the information checking speed can be increased, and errors caused by manual factors in manual checking in relevant technologies can be avoided at a certain degree.
Description
Technical field
The present invention relates to areas of information technology, in particular to loan transaction information verification implementation method and device.
Background technology
To be bank or other financial institution lend a kind of credit activity form of money-capital by certain interest rate and the condition such as must give back to loan.
In loan transaction, loan safety is the matter of utmost importance facing in financial borrowing process, but may produce various credit risks in loan transaction, such as in loan transaction information verification, examine content and omit, fake and examination information fraud etc. for the file of ascertainment of loan.In order to control credit risk, need to verify the information relating in loan transaction.
In correlation technique, mainly examine loan mission bit stream to control risk by manual type, but it is lower to examine treatment effeciency by manual type, and easily make mistakes, can find out the application demand on the discontented full border of mode of the manual examination and verification loan transaction information in correlation technique.
Summary of the invention
The object of the present invention is to provide loan transaction information verification implementation method and device, to solve the above problems.
Loan transaction information verification implementation method is provided in an embodiment of the present invention, has comprised:
Determine information verification demand and obtain and the corresponding loan transaction information of described information verification demand, the loan transaction type institute that wherein said information verification demand is asked with loan requests object is corresponding, and described loan transaction information comprises loan requests Back ground Information, credit verification message and loan transaction treatment scheme information;
Judge that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, if not, blocking processing signal alarm sent;
When described loan requests Back ground Information is while being consistent with the qualification information matches prestoring, verify whether described credit verification message meets default loan transaction credit rule, if do not meet, send blocking processing signal alarm;
In the time that described credit verification message meets default loan transaction credit rule, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, send blocking processing signal alarm.
Preferably, judge that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, comprise: extract respectively the key message in I.D. scanning electron part, operation license scanning electron part and the property ownership certificate scanning electron part that described loan requests Back ground Information comprises, judge that whether the described key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.
Preferably, describedly judge that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, also comprise: also utilize according to the described key message extracting the real information obtaining from auxiliary data interface, judge that whether the qualification information that includes described key message that described loan requests object provides is consistent with described real information, send blocking processing signal alarm if inconsistent.
Preferably, judge that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, comprise: the true and false of identifying described I.D. scanning electron part, operation license scanning electron part and property ownership certificate scanning electron part, judge when described I.D. scanning electron part or described operation license scanning electron part or described property ownership certificate scanning electron part are forged certificate, send blocking processing signal alarm.
Preferably, verify that whether described credit verification message meets default loan transaction credit rule, comprising: verify whether described credit verification message meets default mandate enabled condition, if do not meet and send blocking processing signal alarm; And/or the credit scoring of obtaining described loan requests object according to described credit verification message, according to the loan requests of the described loan requests object of described credit scoring refusal or permission and the described credit loan limit matching of marking.
Preferably, whether the described credit verification message of described checking meets default mandate enabled condition, comprise: when loan transaction type is personal loan business, described credit verification message comprises Private Banking's flowing water, whether the individual annual income that judges described loan requests object according to described Private Banking flowing water is lower than default income threshold value, if so, send refusal credit information; When loan transaction type is enterprise's loan transaction, described credit verification message comprises enterprise financial report, judge that according to described enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
Preferably, described credit verification message comprises Mortgage assets information, verifies in described Mortgage assets information whether comprise the property ownership certificate of mortgaging house property, if do not comprise, sends the instruction of refusal loan; Verify whether the collateral security information that described Mortgage assets information comprises is vehicle, if so, sends and breaks off relations loan instruction.
Preferably, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, comprise: verify respectively the integrality in responsible report and the wind control report that described loan transaction treatment scheme information is included, if the integrality of described responsible report or described wind control report does not meet preset requirement, send blocking processing signal alarm; Whether the signing messages of the described responsible report that checking is obtained respectively and described wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
The embodiment of the present invention also provides loan transaction information verification implement device, comprising:
Information acquisition module, for determining information verification demand and obtaining and the corresponding loan transaction information of described information verification demand, the loan transaction type institute that wherein said information verification demand is asked with loan requests object is corresponding, and described loan transaction information comprises loan requests Back ground Information, credit verification message and loan transaction treatment scheme information;
Judge module, whether consistent with the qualification information matches prestoring for judging described loan requests Back ground Information, if not, send blocking processing signal alarm; When described loan requests Back ground Information is while being consistent with the qualification information matches prestoring, verify whether described credit verification message meets default loan transaction credit rule, if do not meet, send blocking processing signal alarm; When described credit verification message is no while meeting default loan transaction credit rule, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, send blocking processing signal alarm.
Loan transaction information verification implementation method and device that the embodiment of the present invention provides, the loan transaction information corresponding according to information verification Requirement Acquisition, and the loan requests Back ground Information in loan transaction information, credit verification message and loan transaction treatment scheme information are carried out to Auto-matching judgement, in the time that coupling is inconsistent, send blocking processing signal alarm.Find out thus the loan transaction information verification implementation method in the embodiment of the present invention and install and can automatically verify loan transaction information, not only can improve the speed of information verification, and can avoid to a certain extent the mistake that in correlation technique, in artificial verification, human factor causes, therefore the loan transaction information verification implementation method in the embodiment of the present invention and device more can meet the demand of practical application.
Accompanying drawing explanation
Fig. 1 shows the process flow diagram of loan transaction information verification implementation method in the embodiment of the present invention;
Fig. 2 shows the structural representation of embodiment of the present invention loan transaction information verification implement device;
Fig. 3 shows the example flow diagram of loan transaction information verification implementation method in the embodiment of the present invention;
Fig. 4 shows the processing schematic diagram that in the embodiment of the present invention, loan transaction information authenticity is verified implementation method;
Fig. 5 shows the example flow diagram of the credit information verification implementation method of providing a loan in the embodiment of the present invention;
Fig. 6 shows in the embodiment of the present invention example flow diagram of policy library Configuration method in individual credit information verification;
Fig. 7 shows in the embodiment of the present invention example flow diagram of policy library Configuration method in enterprise's credit information verification;
Fig. 8 shows the example flow diagram of loan transaction treatment scheme verification implementation method in the embodiment of the present invention;
Fig. 9 shows the message processing flow figure of alarm module in the embodiment of the present invention.
Embodiment
Also by reference to the accompanying drawings the present invention is described in further detail below by specific embodiment.
A kind of loan transaction information verification implementation method is provided in the embodiment of the present invention, and as shown in Figure 1, main treatment step comprises:
Step S11: determine information verification demand and obtain and the corresponding loan transaction information of information verification demand, the loan transaction type institute that wherein information verification demand is asked with loan requests object is corresponding, and loan transaction information comprises loan requests Back ground Information, credit verification message and loan transaction treatment scheme information;
Step S12: judge that whether loan requests Back ground Information is consistent with the qualification information matches prestoring, if not, send blocking processing signal alarm;
Step S13: when loan requests Back ground Information is while being consistent with the qualification information matches prestoring, whether checking credit verification message meets default loan transaction credit rule, if do not meet, sends blocking processing signal alarm;
Step S14: in the time that credit verification message meets default loan transaction credit rule, whether checking loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, sends blocking processing signal alarm.
Loan transaction information verification implementation method in the embodiment of the present invention, the loan transaction information corresponding according to information verification Requirement Acquisition, and the loan requests Back ground Information in loan transaction information, credit verification message and loan transaction treatment scheme information are carried out to Auto-matching judgement, in the time that coupling is inconsistent, send blocking processing signal alarm.Find out thus the loan transaction information verification implementation method in the embodiment of the present invention and install and can automatically verify loan transaction information, not only can improve the speed of information verification, and can avoid to a certain extent the mistake that in correlation technique, in artificial verification, human factor causes, therefore the loan transaction information verification implementation method in the embodiment of the present invention and device more can meet the demand of practical application.
Loan transaction information verification implementation method in the embodiment of the present invention can also be diagnosed loan rule by intellectual analysis, by judging authenticity and the rationality of every loan, on the one hand, can help financial institution to save manpower audit cost, discharge and be not inconsistent regular prospective borrower fast, on the other hand, can be Managing Financial Institutions high level supervision sharp weapon are provided, effectively evade bank, small-loan company, the employee of the financial institution (as: business personnels such as P2P platform, wind control personnel etc.) make loans in violation of rules and regulations, reduce the loss causing to mechanism because interior employee provides in violation of rules and regulations loan false or that over-evaluate.
In loan accept process, verifying the consuming time and tool of the authenticity of creditor's information and material acquires a certain degree of difficulty, for reducing cost of labor, evade intentional or unintentional artificial discriminating mistake simultaneously, in the embodiment of the present invention in the time judging that whether loan requests Back ground Information consistent with the qualification information matches prestoring, comprise: extract respectively the I.D. scanning electron part that loan requests Back ground Information comprises, key message in operation license scanning electron part and property ownership certificate scanning electron part, judge that whether the key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.In many financial institutions, the Back ground Information of loan requests object is by manually verifying, consuming time and easily make mistakes, in the embodiment of the present invention, adopt scanning recognition technology, from I.D. scanned copy, operation license scanning electron part and property ownership certificate scanning electron part, extract key message, and utilize the key message extracting to compare with the basic verification message of typing in advance, if compare inconsistent, the blocking processing signal producing can be blocked the continuation of loan transaction and verify, and reduces loan transaction risk.
Wherein, utilize I.D. scanning electron part can extract the personal information of loan requests object, the verification of the personal information of loan requests object and typing canned data in advance can being compared thus, alarm when inconsistent;
Utilize property ownership certificate scanning electron part can extract the essential information of loan requests object for the house property mortgaged, can verify the mortgage house property of loan requests object thus;
Utilize operation license scanning electron part can extract the operation license key messages such as title, residence, legal representative's name company type, scope of business, the Date of Incorporation, business time limit, numbering, number of registration, registered capital and the paid in capital of the enterprise of application for credit, utilize operation license key message and the pre-stored operation license information extracted to compare, the cost of replacement desk checking also reduces the mistake of desk checking.
In loan transaction processing procedure, loan requests object may spurious obtain loan and authorizes for obtaining loan, therefore needs to verify the authenticity of the information that loan requests person provides.Therefore judging that loan requests Back ground Information comprises when whether consistent with the qualification information matches prestoring: according to the key message extracting and utilize the real information obtaining from auxiliary data interface, judge that whether the qualification information that includes key message that loan requests object provides is consistent with real information, send blocking processing signal alarm if inconsistent.
Take the relevant information in the operation license of loan requests object as example, when obtaining after the enterprise name of application for credit enterprise, the enterprise name that the utilization of auxiliary data interface is obtained reads enterprise's real information of loan enterprises from corresponding industrial and commercial bureau website; By the enterprise's real information obtaining with compare for the company information of verifying, can judge company information true and false of application for credit, this method, by the artificial mode of simulation, judges the authenticity of company information automatically, thereby the efficiency of information verification is effectively provided.
Can also carry out authenticity judgement to a series of information such as the identity information of loan requests object, bank's flowing water information, financial statement and credit card records by the method, guarantee the authenticity of the various information of obtaining.
In the process that the Back ground Information of loan requests object is judged, the I.D. scanning electron part obtaining, operation license scanning electron part and property ownership certificate scanning electron part are likely forged certificates, therefore also need the true and false of the scanning electron part to obtaining to differentiate, therefore in the embodiment of the present invention, judging whether loan requests Back ground Information is consistent with the qualification information matches prestoring also comprises: identification I.D. scanning electron part, the true and false of operation license scanning electron part and property ownership certificate scanning electron part, judge when I.D. scanning electron part or operation license scanning electron part or property ownership certificate scanning electron part are forged certificate, send blocking processing signal alarm.
Take identification I.D. scanning electron part as example, all words on identification I.D. scanning electron part, utilize certificate Chinese word stroke feature to differentiate the true and false of I.D. scanning electron part, the bar of the words such as the such as all words on true I.D. official seal and name, sex, birth, address, numbering is straight stroke, as " city, peace ", the receipts pen place of bar is without triangle.False I.D. is different, and as " city, peace ", there is triangle at the receipts pen place of bar.It is true I.D. that " office " the right in official seal is leveled up and down; Protruding under upper contracting (office) is false I.D..
In loan transaction information verification, except the Back ground Information of loan requests object is verified, also need the processing of verifying loan transaction whether to meet loan transaction criterion for credit.Preferably, whether checking credit verification message meets default loan transaction credit rule, comprising: whether checking credit verification message meets default mandate enabled condition, if do not meet and send blocking processing signal alarm; And/or the credit scoring of obtaining loan requests object according to credit verification message, according to the loan requests of credit scoring refusal loan requests object or permission and the credit loan limit matching of marking.
Particularly, whether checking credit verification message meets default mandate enabled condition, comprise: when loan transaction type is personal loan business, credit verification message comprises Private Banking's flowing water, whether the individual annual income that judges loan requests object according to Private Banking's flowing water is lower than default income threshold value, if so, send refusal credit information; When loan transaction type is enterprise's loan transaction, credit verification message comprises enterprise financial report, judges that according to enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
Particularly, credit verification message comprises Mortgage assets information, in checking Mortgage assets information, whether comprises the property ownership certificate of mortgaging house property, if do not comprise, sends the instruction of refusal loan; Whether the collateral security information that checking Mortgage assets information comprises is vehicle, if so, sends and breaks off relations loan instruction.
Again for example, in loan transaction, need to verify the credit card record of loan requests object, and predefined criterion for credit is that the credit card number of times that exceeds the time limit is more than or equal at 5 o'clock, send the instruction of refusal loan, therefore in the time that the credit card record to loan requests object is verified, the credit card of the loan requests object that statistics the is obtained refund number of times that exceeds the time limit is in the given time refused credit in the time that the number of times that exceeds the time limit is more than or equal to 5 times.
Again for example, in enterprise's loan transaction, need the paid in capital of enterprise to verify, and predefined criterion for credit is that enterprise's paid in capital is less than at 1,000,000 o'clock and will not provides a loan, therefore obtaining after the information of loan enterprises, whether the paid in capital of checking enterprise is less than 1,000,000, sends the instruction of refusal loan if be less than.
Except utilizing concrete judge condition personal settings criterion for credit, can also utilize credit scoring principle to determine whether loan requests object meets criterion for credit.Wherein specifically be divided into two kinds of situations, one is that financial institution itself has credit scoring system, and the interface that now only need call points-scoring system carries out credit score calculation, or direct using financial institution's points-scoring system to the scoring of this loan project as input.The second is financial institution's points-scoring system that has no credit, and points-scoring system that now can a built-in standard calculates.
Scoring can be used as the information in the configuration of information condition strategy, and score value interval just can be used as condition, illustrate: information: personal credit scoring condition is less than or equal to 60 points will not provide a loan, or business standing marks between 60-80 divides, loan limit can not exceed 500,000.
In sum, system is to wish the function robotization of wind control or audit, by setting different strategies, to evade efficiently financial institution against regulation or have a loan project of risk in loan transaction, for financial institution provides the solution of avoiding risk of intelligence.
In the embodiment of the present invention, verify whether loan transaction treatment scheme information meets default loan transaction processing requirements, comprise: verify respectively the integrality in responsible report and the wind control report that loan transaction treatment scheme information is included, if the integrality of responsible report or wind control report does not meet preset requirement, send blocking processing signal alarm; Whether the signing messages of the responsible report that checking is obtained respectively and wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
Loan transaction information verification implement device is also further provided in the embodiment of the present invention, as shown in Figure 2, has comprised:
Information acquisition module 21, for determining information verification demand and obtaining and the corresponding loan transaction information of information verification demand, the loan transaction type institute that wherein information verification demand is asked with loan requests object is corresponding, and loan transaction information comprises loan requests Back ground Information, credit verification message and loan transaction treatment scheme information;
Judge module 22, whether consistent with the qualification information matches prestoring for judging loan requests Back ground Information, if not, send blocking processing signal alarm; When loan requests Back ground Information is while being consistent with the qualification information matches prestoring, whether checking credit verification message meets default loan transaction credit rule, if do not meet, sends blocking processing signal alarm; When credit verification message is no while meeting default loan transaction credit rule, whether checking loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, sends blocking processing signal alarm.
In the embodiment of the present invention, also further provide a kind of example of loan transaction information verification implementation method, as shown in Figure 3.
The loan transaction information verification implementation method of the embodiment of the present invention is mainly made up of 5 functional modules, comprising:
1, module acquired for materials, it needs for every the loan transaction generating material demand of verifying, and obtain corresponding loan transaction information according to the materials demand generating, the mode of wherein obtaining can, for to obtain from loan transaction system database, also can be obtained from file scanning electron profile database.
2. authenticity is verified module: its authenticity for the loan requests Back ground Information to loan requests object is verified, and loan requests object can be that individual can be also enterprise particularly.
3. credit rule is verified module: according to the strategy setting in advance, whether in violation of rules and regulations to check creditor's credit.
4. flow processing compliance is verified module: for check borrow before and whether borrow the business procedure processed sound and close rule.
5. alarm module: for triggering after alarm regulation, the supvr that system is set automatic apprizing system, and suspend to issue and wait for that supvr processes.
The loan transaction information authenticity that shows the embodiment of the present invention as Fig. 4 is verified the processing schematic diagram of implementation method, the loan transaction information authenticity of every loan verify start after according to the automatic information generated inspection program of the type of loan transaction.
In to loan transaction information authenticity verification process, the material first loan requests object being provided mates with the information being entered in loan transaction inquiry system, and in the time that coupling is consistent, the authenticity of the information that loan requests object is provided is verified.Particularly, by information authenticity intelligent processing system, information is carried out to authenticity judgement, if authenticity judge unsuccessfully, can carry out failure handling; If authenticity judgement is passed through, the authenticity of the material that can provide loan requests object is verified, particularly, material loan requests object being provided by material authenticity intelligent processing system carries out authenticity judgement, when authenticity judge by time the authenticity of loan transaction information verify and pass through, otherwise carry out identifying processing.
In the method, failure handling can be to send blocking processing signal alarm or directly send the instruction of refusal loan.In addition in the method, the material that loan requests object provides refers to the scanned copy of electronic document or relevant certificate, judges that at the material that loan requests object is provided the key message referring in automatic extraction material carries out automatic decision according to the treatment scheme of setting.
The loan credit information verification implementation method of the embodiment of the present invention, as shown in Figure 2, can verify strategy for different loan transaction setting individuals.Every loan must meet All Policies, otherwise system will be sent alarm disabling signal.
As a kind of example of loan credit information verification implementation method has been shown in Fig. 5.In to loan credit information verification process, utilize the credit rule and policy group activating to verify every loan.The credit rule and policy group wherein activating is configured according to predetermined credit rule and policy according to the dissimilar of every loan.
In the process of utilizing the credit rule and policy group activating to verify loan credit information, need credit information related in loan transaction to mate with credit strategy one by one, be considered as if the match is successful the credit project that need to be evaded, can carry out alarm blocking-up, if it fails to match, credit rule is verified and is passed through.The credit rule wherein herein activating refers to that the condition not allowing by credit is activated, the credit strategy being for example activated is that individual annual income is lower than 50,000 yuan, verify the individual annual income of loan requests object, when its annual income lower than 50,000 with activate credit strategy matching time, the credit condition of being evaded of satisfying the demand, now can be considered the credit information of loan requests object and the success of the credit strategy matching of activation, send alarm.
As Fig. 6 shows the implementation method that in individual credit information verification, policy library configures.Wherein, newly-built/edit entries is from selectable credit information, to select judgement information according to the loan transaction of loan requests object, and according to judgement information, credit condition is set, for example selectablely judge that information can be the identity information of loan requests object and the credit report that Central Bank has done the credit of loan requests object, identity information comprises location particularly, Age and sex etc., Central Bank's credit report comprises the credit card record of the credit card that loan requests object holds, housing loan and arrearage record etc., select according to the information setting condition of selecting, can be: the area of setting loan credit according to the location in identity information, or according to the age in identity information arrange the age condition select, also can alternative condition according to credit card record: number of times 5 times exceeds the time limit.In activate/unloading policy module, select the credit card record number of times that exceeds the time limit to do logical operation 5 times: as " being more than or equal to ", after, can add activation strategy storehouse, now, when there being creditor's the credit card number of times that exceeds the time limit to be more than or equal to after 5 times, be just rejected credit.Meanwhile, some condition can logical combination, if " credit card exceeds the time limit, and number of times is more than or equal to 5 times or accumulative total arrearage is more than or equal to 2 times " is just can become the policy condition of an activation.
As Fig. 7 shows the implementation method that in enterprise's credit information verification, policy library configures, the method for its setting is identical with the implementation method of policy library configuration in individual credit information verification.Illustrate: the paid in capital <100 of enterprise ten thousand will not provide a loan, certainly, the number hook that needs under some condition and provide a loan, such as debt ratio loan limit in the situation that being greater than 50% of assets can not be greater than 500,000 herein.
As showing loan transaction treatment scheme, Fig. 8 verifies an example of implementation method, in to loan transaction treatment scheme compliance verification process, whether the loan transaction system that first judges financial sector supports loan transaction treatment scheme to verify, if support to enter loan transaction inquiry system, from loan transaction inquiry system, obtain responsible report and wind control report, and utilize default report template that responsible report and wind control report are realized the integrality of wind control report is detected by matching detection and keyword recognition, after the integrity detection of responsible report and wind control report is passed through, check record matching module by person liable the signing messages in responsible report and wind control report is contrasted to detection, thereby realize responsible report and the operation people of wind control report and person in charge's verification.
In addition, if the loan transaction inquiry system of financial sector does not support loan transaction treatment scheme to verify, verify module by file scanning soft copy and obtain the electronic scanned document of responsible report and wind control report, by obtaining key message the electronic scanned document that report template mates and content Intelligent Measurement module is reported from fulfil the duty report and wind control, and utilize the template of storage to verify the integrality of responsible report and wind control report, by person liable's discrimination module of signing, operation people and the person in charge of responsible report and wind control report are carried out to automatic inspection verifying by rear.
Verification by the integrality to wind control report and signature in the embodiment of the present invention can standard wind control report treatment scheme, the mistake existing in verification wind control report, guarantee the rigorous of wind control report treatment scheme, reduce the risk going wrong in loan treatment scheme.
As Fig. 9 shows the message processing flow figure of alarm module in the embodiment of the present invention, when receiving after blocking-up alarm request, send blocking-up alarm signal, carry out blocking processing and alarming processing according to blocking-up alarm signal, wherein blocking processing refers to the transaction processing system in automatic notice financial sector, suspend and etc. pending; Alarming processing refers to, current alert situation is sent to predefined managerial personnel with mail or short message mode.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (9)
1. loan transaction information verification implementation method, is characterized in that, comprising:
Determine information verification demand and obtain and the corresponding loan transaction information of described information verification demand, the loan transaction type institute that wherein said information verification demand is asked with loan requests object is corresponding, and described loan transaction information comprises loan requests Back ground Information, credit verification message and loan transaction treatment scheme information;
Judge that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, if not, blocking processing signal alarm sent;
When described loan requests Back ground Information is while being consistent with the qualification information matches prestoring, verify whether described credit verification message meets default loan transaction credit rule, if do not meet, send blocking processing signal alarm;
In the time that described credit verification message meets default loan transaction credit rule, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, send blocking processing signal alarm.
2. method according to claim 1, is characterized in that, judges that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, and comprising:
Extract respectively the key message in I.D. scanning electron part, operation license scanning electron part and the property ownership certificate scanning electron part that described loan requests Back ground Information comprises, judge that whether the described key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.
3. method according to claim 2, is characterized in that, describedly judges that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, and also comprises:
Also utilize according to the described key message extracting the real information obtaining from auxiliary data interface, judge that whether the qualification information that includes described key message that described loan requests object provides is consistent with described real information, send blocking processing signal alarm if inconsistent.
4. method according to claim 2, is characterized in that, judges that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, and comprising:
Identify the true and false of described I.D. scanning electron part, operation license scanning electron part and property ownership certificate scanning electron part, judge when described I.D. scanning electron part or described operation license scanning electron part or described property ownership certificate scanning electron part are forged certificate, send blocking processing signal alarm.
5. method according to claim 1, is characterized in that, verifies that whether described credit verification message meets default loan transaction credit rule, comprising:
Verify whether described credit verification message meets default mandate enabled condition, if do not meet and send blocking processing signal alarm; And/or
Obtain the credit scoring of described loan requests object according to described credit verification message, according to the loan requests of the described loan requests object of described credit scoring refusal or permission and the described credit loan limit matching of marking.
6. method according to claim 5, is characterized in that, whether the described credit verification message of described checking meets default mandate enabled condition, comprising:
When loan transaction type is personal loan business, described credit verification message comprises Private Banking's flowing water, and the individual annual income that judges described loan requests object according to described Private Banking flowing water, whether lower than default income threshold value, is if so, sent refusal credit information;
When loan transaction type is enterprise's loan transaction, described credit verification message comprises enterprise financial report, judge that according to described enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
7. method according to claim 6, is characterized in that, described credit verification message comprises Mortgage assets information, verifies in described Mortgage assets information whether comprise the property ownership certificate of mortgaging house property, if do not comprise, sends the instruction of refusal loan;
Verify whether the collateral security information that described Mortgage assets information comprises is vehicle, if so, sends and breaks off relations loan instruction.
8. method according to claim 1, is characterized in that, verifies that whether described loan transaction treatment scheme information meets default loan transaction processing requirements, comprising:
Verify respectively the integrality in responsible report and the wind control report that described loan transaction treatment scheme information is included, if the integrality of described responsible report or described wind control report does not meet preset requirement, send blocking processing signal alarm;
Whether the signing messages of the described responsible report that checking is obtained respectively and described wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
9. loan transaction information verification implement device, is characterized in that, comprising:
Information acquisition module, for determining information verification demand and obtaining and the corresponding loan transaction information of described information verification demand, the loan transaction type institute that wherein said information verification demand is asked with loan requests object is corresponding, and described loan transaction information comprises loan requests Back ground Information, credit verification message and loan transaction treatment scheme information;
Judge module, whether consistent with the qualification information matches prestoring for judging described loan requests Back ground Information, if not, send blocking processing signal alarm; When described loan requests Back ground Information is while being consistent with the qualification information matches prestoring, verify whether described credit verification message meets default loan transaction credit rule, if do not meet, send blocking processing signal alarm; When described credit verification message is no while meeting default loan transaction credit rule, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, send blocking processing signal alarm.
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Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463668A (en) * | 2014-10-24 | 2015-03-25 | 南京邦科威信息科技有限公司 | Online credit checking method and device |
| CN104574189A (en) * | 2015-02-05 | 2015-04-29 | 中国农业银行股份有限公司 | Financial-transaction monitoring method and device |
| CN104933620A (en) * | 2015-06-25 | 2015-09-23 | 武汉金邦达投资咨询有限公司 | Online transaction monitoring device and method |
| CN106572100A (en) * | 2016-10-25 | 2017-04-19 | 中国建设银行股份有限公司 | Service data transfer audit method, device and system |
| CN106651575A (en) * | 2016-12-30 | 2017-05-10 | 中国建设银行股份有限公司 | Data processing method and device |
| CN107392451A (en) * | 2017-07-11 | 2017-11-24 | 重庆卡西匚匚科技有限公司 | A kind of risk control system |
| CN107730377A (en) * | 2017-09-30 | 2018-02-23 | 平安科技（深圳）有限公司 | Qualification of providing a loan screening technique, device and computer-readable recording medium |
| CN107911331A (en) * | 2016-12-24 | 2018-04-13 | 上海壹账通金融科技有限公司 | Data verification method and server |
| CN107924536A (en) * | 2015-07-31 | 2018-04-17 | 株式会社三井住友银行 | The update method and system of electronics referendum |
| CN108255793A (en) * | 2017-11-22 | 2018-07-06 | 中国平安财产保险股份有限公司 | A kind of information verification method and terminal device |
| CN108629683A (en) * | 2018-05-07 | 2018-10-09 | 深圳壹账通智能科技有限公司 | Apply for part process flow configuration method, device, equipment and readable storage medium storing program for executing |
| CN109325843A (en) * | 2017-08-01 | 2019-02-12 | 平安普惠企业管理有限公司 | Business rule control method, device, equipment and storage medium |
| CN109377026A (en) * | 2018-09-30 | 2019-02-22 | 法信公证云（厦门）科技有限公司 | A kind of notary service quality control method and device |
| CN109509085A (en) * | 2018-11-27 | 2019-03-22 | 平安科技（深圳）有限公司 | Information processing method, device, computer equipment and storage medium before borrowing |
| CN109711828A (en) * | 2018-08-20 | 2019-05-03 | 平安普惠企业管理有限公司 | Pre-granted authority processing method, device, equipment and readable storage medium storing program for executing |
| CN111292179A (en) * | 2020-02-13 | 2020-06-16 | 中国建设银行股份有限公司 | Counter service processing system, method, equipment and storage medium |
| CN115619533A (en) * | 2022-12-02 | 2023-01-17 | 神州数码融信云技术服务有限公司 | Decision configuration method, computer device and storage medium |
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Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463668A (en) * | 2014-10-24 | 2015-03-25 | 南京邦科威信息科技有限公司 | Online credit checking method and device |
| CN104574189A (en) * | 2015-02-05 | 2015-04-29 | 中国农业银行股份有限公司 | Financial-transaction monitoring method and device |
| CN104933620A (en) * | 2015-06-25 | 2015-09-23 | 武汉金邦达投资咨询有限公司 | Online transaction monitoring device and method |
| CN107924536B (en) * | 2015-07-31 | 2022-02-01 | 株式会社三井住友银行 | Method for updating electronic requests, computer and non-transitory computer-readable storage medium |
| CN107924536A (en) * | 2015-07-31 | 2018-04-17 | 株式会社三井住友银行 | The update method and system of electronics referendum |
| CN106572100A (en) * | 2016-10-25 | 2017-04-19 | 中国建设银行股份有限公司 | Service data transfer audit method, device and system |
| CN107911331A (en) * | 2016-12-24 | 2018-04-13 | 上海壹账通金融科技有限公司 | Data verification method and server |
| CN106651575A (en) * | 2016-12-30 | 2017-05-10 | 中国建设银行股份有限公司 | Data processing method and device |
| CN107392451A (en) * | 2017-07-11 | 2017-11-24 | 重庆卡西匚匚科技有限公司 | A kind of risk control system |
| CN109325843A (en) * | 2017-08-01 | 2019-02-12 | 平安普惠企业管理有限公司 | Business rule control method, device, equipment and storage medium |
| CN107730377A (en) * | 2017-09-30 | 2018-02-23 | 平安科技（深圳）有限公司 | Qualification of providing a loan screening technique, device and computer-readable recording medium |
| WO2019061613A1 (en) * | 2017-09-30 | 2019-04-04 | 平安科技（深圳）有限公司 | Loan qualification screening method, device and computer readable storage medium |
| CN108255793A (en) * | 2017-11-22 | 2018-07-06 | 中国平安财产保险股份有限公司 | A kind of information verification method and terminal device |
| CN108629683A (en) * | 2018-05-07 | 2018-10-09 | 深圳壹账通智能科技有限公司 | Apply for part process flow configuration method, device, equipment and readable storage medium storing program for executing |
| CN109711828A (en) * | 2018-08-20 | 2019-05-03 | 平安普惠企业管理有限公司 | Pre-granted authority processing method, device, equipment and readable storage medium storing program for executing |
| CN109377026A (en) * | 2018-09-30 | 2019-02-22 | 法信公证云（厦门）科技有限公司 | A kind of notary service quality control method and device |
| CN109509085A (en) * | 2018-11-27 | 2019-03-22 | 平安科技（深圳）有限公司 | Information processing method, device, computer equipment and storage medium before borrowing |
| CN111292179A (en) * | 2020-02-13 | 2020-06-16 | 中国建设银行股份有限公司 | Counter service processing system, method, equipment and storage medium |
| CN115619533A (en) * | 2022-12-02 | 2023-01-17 | 神州数码融信云技术服务有限公司 | Decision configuration method, computer device and storage medium |
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