CN104966229A - Information processing method and credit platform - Google Patents

Abstract

The invention discloses an information processing method and a credit platform. The method comprises the following steps: a credit platform receiving a credit request sent by a client of a first account, wherein the credit request comprises a credit application sum; in response to the credit request, according to guarantee information provided by at least one second account for credit loaning of the first account, determining an available credit quota of the first account, wherein the second account is a guarantee account of the first account, and the second account and the first account are operation accounts registered by different users on the credit platform; according to the credit application sum and the available credit quota, carrying out credit payment on the first account so as to form a credit result; and sending the credit result to the client of the first account.

Description

Information processing method and lending platforms

Technical field

The present invention relates to the information processing technology of the communications field, particularly relate to a kind of information processing method and lending platforms.

Background technology

Along with the development of internet finance, the various unsecured loans comprising point-tor point P 2 P develop fast because its higher earning rate obtains.Credit mode in existing network finance comprises two kinds:

The first: data under the lines such as the income proof provided by loan application people;

The second: large data analysis is carried out, to determine user's ability of paying back to the data relevant to ability of paying back that user behavior produces.Adopt in this way, first comprise information, the true and false general's choosing of information and the information after general's choosing is comprehensively analyzed, determining the ability of paying back of user.The data relevant to user's ability of paying back comprise the information such as internet consumption data and credit record.

Obvious employing first kind of way, company instrument wage may be needed to prove for user or bank opens certification of deposit, then uploads to lending platforms by user, obvious complex operation, and efficiency is low, with internet credit easily aim be contrary.

Adopt the second way, all improve much relative to first kind of way efficiency and user's user satisfaction, but still there is following problem:

But, determine the ability of paying back of user according to large data analysis, and then carry out the technical scheme of online goods loan, need the data analysis to each Debit User and ability of paying back; Following problem can be there is:

1: due between different platforms for problems such as information securities, can information barrier be formed; The analysis data causing obtaining overall user ability of paying back are more more difficult; Concrete as, banking system, based on safety problem, is difficult to do not having under the authorization conditions such as user autographs, and discloses the deposit information of user to lending platforms; And it is still convenient not for user.

2: need the consumption data to each Debit User, credit data or wage data etc. to carry out large data analysis, data message amount is large; Distinguishing of the information true and false must be carried out in mass data, the problem that response efficiency is still lower in order to ensure correct simultaneously.

3: for some new Debit User, may for a long time abroad, within a very long time, at home Internet all there is no corresponding consumer record, payroll records or credit data, the ability of paying back of these users cannot be determined like this, and then cause these certain customers to obtain credit, and then cause the number of users of lending platforms to be reduced or liveness not high.

4: the ability of paying back determining user based on large data analysis, be all that the historical data that user behavior produces is analyzed.And during actual credit, user may can not form the generation of the event of respective record at once on Internet because of promote, degrade, inherit, marry or divorce etc., the ability of paying back of user is caused to change a lot in a short time.Then lending platforms still occur with these things before the historical data that formed of user behavior for according to the ability of paying back determining user, accurately surely having a greatly reduced quality of the user's ability of paying back determined can be caused, and then cause the problem occurring bad accounts or uncollectible account, or cause the top-tier customer that loss part ability of paying back is very strong, and then cause fund and lending platforms utilization rate cannot reach the problem of resources optimization.

Summary of the invention

In view of this, the embodiment of the present invention is expected to provide a kind of information processing method and lending platforms, to improve the intelligent of lending platforms and resource optimization utilization rate.

For achieving the above object, technical scheme of the present invention is achieved in that embodiment of the present invention first aspect provides a kind of information processing method, and described method comprises:

The credit request that the client that lending platforms receives the first account sends; Described credit request comprises the credit applications amount of money;

Respond described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

According to the described credit applications amount of money and described available credit, carry out credit payment to described first account, form credit result;

Client to described first account sends described credit result.

Preferably, described method also comprises: obtain the guarantee information that described second account provides for described first account credit.

Preferably, the guarantee information that described second account of described acquisition provides for described first account credit, comprising: what the client receiving described second account sent agrees as the authentication information that described first account is tendered guarantee; According to described authentication information, form described guarantee information.

Preferably, described according to described authentication information, form described guarantee information, comprising: the incidence relation data obtaining described first account and described second account; According to described incidence relation data and authentication information, form described guarantee information.

Preferably, described according to described authentication information, form described guarantee information, also comprise:

Audit described authentication information, determine the amount assured of described second account;

According to the amount assured of described second account, determine actual guarantee amount;

Form the described guarantee information comprising the accounts information of actual guarantee amount and described second account;

The described guarantee information provided for described first account credit according at least one second account, determine the available credit of described first account, comprising:

According to described reality guarantee amount, determine the credit line of described first account.

Preferably, the described authentication information of described examination & verification, determine the amount assured of described second account, comprising:

Obtain the foundation information of the economic situation of described second account, history guarantee record, the line of credit of the second account and the incidence relation of the second account and the first account at least one of them;

According to described according to information, described history guarantee record, the line of credit of described second account and the incidence relation of described second account and the first account at least one of them, that determines described second account can amount of guarantee.

Preferably, the described authentication information of described examination & verification, determine to comprise the guarantee amount that described second account provides:

Inquire about the credit grade information of described second account;

According to described letter of supporting class information, described in determining, amount can be assured.

8, the method according to any one of claim 3 to 7, is characterized in that,

Described authentication information also comprises amount of guarantee;

The described amount assured according to described second account, determine actual guarantee amount, comprising:

According to described amount of guarantee and describedly assure amount, determine described reality guarantee amount;

Wherein, described reality guarantee amount does not assure amount higher than described, and not higher than described amount of guarantee.

Preferably, described method also comprises:

According to described guarantee information, form guarantee and to come into force information;

Client respectively to described first account and described second account sends described guarantee and to come into force information.

Preferably, the guarantee information that described second account of described acquisition provides for described first account credit, also comprises:

The inquiry request of the first account demand for credit that the client receiving described second account sends;

Respond described inquiry request sends credit applications condition information from the first account to the client of described second account.

Preferably, described method also comprises:

When described credit result shows that described lending platforms provides credit to described first account, to be formed and client to described second account sends credit guarantee feedback information.

Embodiment of the present invention second aspect provides a kind of lending platforms, and described lending platforms comprises:

Receiving element, the credit request that the client for receiving the first account sends; Described credit request comprises credit request and the credit applications amount of money;

Response unit, for responding described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Payment unit, for according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Transmitting element, for sending described credit result to the client of described first account.

Preferably, described lending platforms also comprises:

Acquiring unit, for obtaining the guarantee information that described second account provides for described first account credit.

Preferably, described acquiring unit, comprising:

Receiver module, what the client for receiving described second account sent agrees as the authentication information that described first account is tendered guarantee;

Form module, for according to described authentication information, form described guarantee information.

Preferably, described acquiring unit also comprises:

Acquisition module, for obtaining the incidence relation data of described first account and described second account;

Described formation module, specifically for according to described authentication information and described incidence relation data, forms described guarantee information.

Preferably, described acquiring unit comprises:

Auditing module, for auditing described authentication information, determines the amount assured of described second account;

Determination module, for the amount assured according to described second account, determines actual guarantee amount;

Described formation module, specifically for forming the described guarantee information comprising the accounts information of actual guarantee amount and described second account;

Described response unit, specifically for according to described reality guarantee amount, determines the credit line of described first account.

Preferably, described auditing module, specifically for obtain the foundation information of the economic situation of described second account, history guarantee record, the line of credit of the second account and the incidence relation of the second account and the first account at least one of them; And according to described according to information, described history guarantee record, the line of credit of described second account and the incidence relation of described second account and the first account at least one of them, that determines described second account can amount of guarantee.

Preferably, described lending platforms also comprises:

Forming unit, for according to described guarantee information, forms guarantee and to come into force information;

Described transmitting element, also to come into force information for sending described guarantee respectively to the client of described first account and described second account.

Preferably, described receiving element is also for receiving the inquiry request of the first account demand for credit of the client transmission of described second account;

Described transmitting element, also to send the credit applications condition information of the first account to the client of described second account for responding described inquiry request.

Preferably, described transmitting element, time also for showing that when described credit result described lending platforms provides credit to described first account, to be formed and client to described second account sends credit guarantee feedback information.

Embodiment of the present invention information processing method and lending platforms, can be that the credit guarantee of the first account is to provide credit according to the second account when carrying out credit, determine whether providing credit according to the result of large data relative in prior art, decrease the data processing amount of lending platforms, improve the speed of response of lending platforms.Simultaneously, the method described in the embodiment of the present invention and lending platforms, when carrying out credit process, are also avoided because information barrier and information delay cause information comprehensively and the abnormal phenomenon provided of the inaccurate Partial credit caused.And credit loan can be obtained under the guarantee of other accounts for user, operate easier, the user satisfaction of user is higher.In addition, the method described in the embodiment of the present invention improves the intelligent of intelligent platform, better optimizes intelligent platform, achieves the resource optimization of credit funds and lending platforms.

Accompanying drawing explanation

One of schematic flow sheet of the information processing method that Fig. 1 provides for the embodiment of the present invention;

One of structural representation of the lending platforms that Fig. 2 provides for the embodiment of the present invention;

The structural representation two of the lending platforms that Fig. 3 provides for the embodiment of the present invention;

The schematic flow sheet two of the information processing method that Fig. 4 provides for the embodiment of the present invention;

The schematic flow sheet three of the information processing method that Fig. 5 embodiment of the present invention provides;

The schematic flow sheet four of the information processing method that Fig. 6 provides for the embodiment of the present invention;

The schematic flow sheet five of the information processing method that Fig. 7 provides for the embodiment of the present invention;

The schematic flow sheet six of the information processing method that Fig. 8 provides for the embodiment of the present invention;

The schematic flow sheet seven of the information processing method that Fig. 9 provides for the embodiment of the present invention;

The structural representation three that Figure 10 is the lending platforms described in the embodiment of the present invention;

The structural representation four that Figure 11 is the lending platforms described in the embodiment of the present invention.

Embodiment

Below in conjunction with Figure of description and specific embodiment technical scheme of the present invention done and further elaborate.

Embodiment of the method one:

As shown in Figure 1, the present embodiment provides a kind of information processing method, and described method comprises:

Step S110: the credit request that the client that lending platforms receives the first account sends; Described credit request comprises the credit applications amount of money;

Step S120: respond described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Step S130: according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Step S140: the client to described first account sends described credit result.

Described lending platforms is be connected to Internet for carrying out the information processing platform, concrete as, the information processing platform that cloud platform or at least one station server are formed of credit credit relevant information process.

Shown in Fig. 2 is a kind of structure of described lending platforms, and the lending platforms 100 shown in Fig. 2 comprises credit service device 101, database 102 and credit gateway 103.

Described credit service device 101 can be used for performing above-mentioned steps S110 to the information processing operation in step S150.

Described database 102 comprises all information of storage first account and the second account, as the subscriber identity information etc. of credit amount, credit time, Debit User identity information, secured account and secured account.

Described credit gateway 103 carries out the interface of information interaction for described lending platforms 100 and peripheral hardware; For carrying out the process such as safety certification to the client of the described lending platforms of access, safety filtering process is done to the packet entering described lending platforms, in order to avoid the data of described lending platforms are damaged and stolen.

Individual PC 201 shown in Fig. 2 and mobile phone 202 are all can the client that connects of described lending platforms by Internet.When specific implementation, described client is not limited to mobile phone and individual PC, panel computer etc. can also have the electronic equipment of Internet linkage function.

Data relevant to credit in fig. 2 all store in the database being that described credit service device is separated, and when specific implementation, described data also can be stored in the storage medium of described credit service device.The benefit stored data in the database be separated with described credit service device to improve information security.As when the system failure appears in credit service device, because credit data store in a database, data can not be caused temporarily can not to use or forever lose.

When specific implementation, described credit service device and all more than one of described database, as shown in Figure 3, described lending platforms 100 comprises credit service device group and database cluster.Described credit service device group comprises multiple stage credit service device; Multiple database is not only comprised, as credit receipts and payments database, guarantee information database and account information database in described database cluster.

Described credit receipts and payments database, can be used for storing the data that the credit information, payment information etc. of each credit accounts are relevant to treasury trade.

Described guarantee information database can for the database for storing described guarantee information.

Described account information database is the database of the accounts information storing the first account and the second account, as the subscriber identity information of the first account and the first account can operating function information.Described first account operating function information can comprise such as open the free information such as time limit prompting function, account balance prompt facility of repaying.

Different database roots need not according to the level of confidentiality of the data that it stores, cipher mode and the information theft-preventing mode of different safety class can be adopted, the mode of the different information of the same account of this employing different pieces of information library storage, be stored in a database relative to all information of account, if there is the leakage of a state or party secret in this database, then all information of account problem of all will divulge a secret, thus improve information security issue.

Described first account and the second account are the account be registered on described lending platforms.Account described in each is usually to having account identification and account password.

User can log on described lending platforms by account identification and account password.Described lending platforms stores the various information that the operations such as the credit credit that each account carries out are formed, as borrowing balance, borrowing time and guarantee information etc.

Described credit request is the solicited message that the client of described first account grants credits to the request that described lending platforms sends.The described credit applications amount of money is the user of the first account, expects the credit amount obtained.

Wherein, described second account can be the account that the first account has incidence relation; This incidence relation can embody by incidence relation data.Concrete as, the user a of described first account is the employee of company A, and described second account is the account that described company A is registered on described lending platforms; Then described first account is employee's account, and described second account is corporation account.User a due to the first account is the employee of company A, and company A knows the economic capability of user a very much, and based on this occupational relation, company A can be ready to provide the possibility of credit guarantee very large with meaning user a.

When specific implementation, in the database of described lending platforms, using the attribute information of described second account as described first account, thus the incidence relation between described first account and the second account can be set up.

Described first account and described second account can be registered in the operation account on described lending platforms for different user, also can not have incidence relation between the user of described first account and the user of described second account.Concrete as, described first account and described second account can also be the interlock accounts with the incidence relation such as friend or relatives, and the data characterizing the incidence relation of described first account and described second account are incidence relation data.Concrete as, the user of the first account and the second account is QQ good friend or micro-letter good friend.Now, described incidence relation data can comprise the first account and see with the frequent degree that described second account is undertaken exchanging by QQ or micro-letter, see the data such as number of times of same doings.

Described incidence relation can be not only professional association relation, can also be other social incidence relations, concrete as lending platforms for mobile client provides the Internet information processing platform.Described mobile client may the electronic equipment such as mobile phone or panel computer.When user registers on described lending platforms, it may be the social account registration operated in mobile phone QQ or micro-letter account etc. in mobile client.Now, according to QQ group or micro-letter group, lending platforms, when responding the credit request of described first account, by obtaining these social networks data, sets up the incidence relation between described first account and the second account.Described social networks data are the one of described incidence relation data.Incidence relation data between described first account and the second account, also can be submitted to lending platforms by client based on user.

Available credit amount in step S120 can be understood as residue credit amount, the concrete guarantee information as worked as the first account can provide 200,000 credit amounts altogether, but the first account drawn 30,000 credit loan, then current available credit amount is 170,000.

In the present embodiment, described guarantee information is one of parameter determining available credit amount.When specific implementation, lending platforms can prove the first account based on the assets of the user of the first account and provide credit amount.The summation of the guarantee information credit amount that assets prove and secured account provides for its credit of the first account can be comprised at the credit amount of the first account.

In the step s 120 for the first account provides the second account of credit guarantee can be one or more, concrete as the first account be account A, the second account of its correspondence may comprise 3, concrete as, account B, account C and account D.When described first account has multiple second account as the secured account of the first account, for providing credit guarantee, the credit indicating the first account is to a certain extent higher and have more guarantor, then high to its probability providing credit to borrow money to give back, higher credit line can be provided to more first account of secured account.

In concrete implementation procedure, if account A has 10 secured accounts, if account B only has 3 secured accounts.If wind regulatory control, for providing fiduciary loan when reaching according to secured account number and specify numerical value, and described appointment numerical value is 8.If lending platforms adopts above-mentioned wind regulatory control, carry out the control of credit granting, then each secured account when providing credit guarantee without the need to the amount of money of tendering guarantee, lending platforms also can not audit the available amount of guarantee of each secured account, directly determine to provide to described first account the available line of credit equaling the described credit applications amount of money, carry out credit payment to described first account.Then carry out credit payment according to above-mentioned wind regulatory control, then lending platforms can provide credit to borrow money to described account A, and credit will be provided to borrow money to described account B.

As further improvement of this embodiment, as shown in Figure 4, described method also will comprise:

Step S150: according to described credit result, is formed and client to described second account sends credit guarantee feedback information.

Specifically can comprise in step S150: when credit result shows this time credit applications success of the first account, and credit make use of the guarantee information that the second account provides for the first account credit, then will form credit guarantee feedback information, to inform that the guarantee that the credit that the user of the second account is the first account provides has entered into force.

When specific implementation, if the second account provides credit guarantee for the first account, when described credit result shows credit applications failure, also described credit feedback information can be sent to be informed the user of the second account by the client of described second account, this time credit guarantee is success not, to improve the user satisfaction of user.

Concrete as, when the available credit guarantee of the first account has 150,000, wherein 100,000 by the second account for the first account credit guarantee provides, other 50,000 is proved to provide by the assets of the user of the first account, if the first account is debt-credit 130,000 this time, now can preferentially adopt user's assets of the first account to prove the credit amount provided, borrow or lend money successfully make use of the second account for the first account provide 80,000 credit amount.Lending platforms by informed by described credit guarantee feedback information the second account client its be the credit guarantee that the first account provides 80,000.

Comprehensively above-mentioned, present embodiments provide a kind of information processing method, credit payment will be carried out according to guarantee information, pay based on the credit of large data manipulation relative in prior art, first, decrease the problem cannot determining credit line that lending platforms carries out the data volume of data processing, the information barrier of avoiding causes, avoid the problem that information delay causes determining credit line simultaneously, improve the intelligent of described lending platforms, better make use of lending platforms.

It should be noted that when specific implementation, after described lending platforms receives the credit request of client transmission of the first account, will be that this credit applications generates credit applications mark, and described credit applications mark is returned to the client of the first account.Described credit applications mark can comprise credit applications sequence number, to facilitate the follow-up credit request corresponding according to this credit applications identified query.Described lending platforms, also according to described credit request, forms credit applications status information, and stores described credit applications mark and described credit request.Described credit applications status information can comprise the credit applications amount of money, the purposes of the credit applications amount of money, period of credit, credit refund people and credit type.The difference of described credit type, the interest that possible credit requirement pays is different, and the risk of failing to refund in time of credit is different.

Embodiment of the method two:

As shown in Figure 5, the present embodiment provides a kind of information processing method, and described method comprises:

Step S110: the credit request that the client that lending platforms receives the first account sends; Described credit request comprises the credit applications amount of money;

Step S120: respond described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Step S130: according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Step S140: the client to described first account sends described credit result.

Described method also comprises:

Step S100: obtain the guarantee information that described second account provides for described first account credit.

If the first account is the account newly established, be not formed with guarantee information before this, but the first account proposes credit applications, then now, can, by returning information to the client of the first account, be used for needing the information of tendering guarantee to point out.The user of the first account can initiate the request of credit guarantee by the good friend in oneself social circle, when the second user of the second account tenders guarantee with the credit meaning the first account, can send described guarantee information to described lending platforms, then the credit information that described lending platforms then can send by receiving the second electronic equipment obtains described guarantee information.

In addition, described guarantee information also may have been formed, but is stored in the external unit beyond described lending platforms, needs to receive described guarantee information from described external unit.

Described step S100 can comprise:

What the client receiving described second account sent agrees as the authentication information that described first account is tendered guarantee;

According to described authentication information, form described guarantee information.

When specific implementation, when the client of the second account receives the request message that the client of described first account directly sends or the request forwarded by described lending platforms is tendered guarantee, send described authentication information directly to described lending platforms.

Described authentication information can be based on described second account user described second account client one key operation formed.A described key operation can be: when forming described authentication message, the client of described second account provides the forms such as the page to present described request message by dialog box or guarantee, user is by clicking controls such as " agreements " in the client of described second account or after representing by phonetic entry the voice that " agreement " is assured, the client of described second account will send described authentication information to described lending platforms voluntarily, like this with regard to the simple advantage of user operation.

In concrete implementation procedure, the client at described second station family can also send described authentication information to the client of described first account, know to make the user of described first account whether the user of current second account tenders guarantee, again to provide user user satisfaction timely.

Optional manner one:

Described according to described authentication information, form described guarantee information, comprising:

Obtain the incidence relation data of described first account and described second account;

According to described incidence relation data and authentication information, form described guarantee information.

Described according to described incidence relation and authentication information formation guarantee information, can comprise:

Line of credit as the second account itself is a; The amount of guarantee that described second account can be the first account to be provided can be a*b; Wherein, described b is weighting coefficient; Described weighting coefficient can be determined according to described incidence relation data.Described in usual, the incidence relation between the first account and the second account is tightr, concrete as passed through the more frequent of social software interactive, then described second account is larger for the possibility of described first account repayment debt-credit, and now, the value of described b can be larger.In concrete implementation procedure, described b be not less than 0 positive number.

In addition, when specific implementation, the value of described b can also according to the guarantee record of described second account or credit grade etc. other because usually comprehensively determining.Usual second account is tendered guarantee for other accounts, and also well fulfiled obligation under bond, then in this case, the value of described weighting coefficient b can be larger.

Described according to described incidence relation and authentication information formation guarantee information, also can comprise:

Determine whether described first account and described second account meet according to described incidence relation data and preset Correlation Criteria; When described first account and described second account meet default Correlation Criteria, form described guarantee information according to described authentication information.

Carefree other accounts that are provided as that can reduce some low interlock accounts are in this case tendered guarantee.

Described first account and described second account are the account be registered on described lending platforms, and concrete described lending platforms can be the platform of Wealth tong platform or mobile phone QQ.

Not having related second account to provide credit guarantee or great number to assure for the first account to reduce with the first account, causing the problem of the decline of the risk prevention system ability of credit guarantee; In the present embodiment, when forming guarantee information, the incidence relation data between acquisition first account and the second account are needed.Concrete as, obtain the first account and the second account and carry out the data such as the frequent degree of doings or cohesion based on the social software such as QQ or micro-letter.These data can reflect that whether social networks between the first account and the second account tight, the user of described second account can be whether the first account expect not reimbursement credit time, pay.Finally, determine whether to allow the second account to be that the first account is tendered guarantee and can amount guaranteed amount according to described incidence relation data.

Describedly determine whether described first account and described second account meet and preset incidence relation, specifically can be as: the social frequency of the first account as described in the fixed time and the second account reaches specifies the frequency etc.Carry out doings by social application very frequently as the first account and the second account have in nearest 1 year, and frequent degree exceedes the appointment frequency, this is the secured account that described second account can be defined as described first account, to form described guarantee information.

When specific implementation, the solicited message that described request is tendered guarantee, can be combined with social software, is sent to the client of the second account by the sharing function of social software, so that the solicited message that the client of described second account is tendered guarantee based on described request, form authentication message.

Concrete as, described letter platform combines with social platform, while the client for each account provides credit service, also provides social interaction server; Further described credit service can based on described social interaction server.User side as the first account indicates based on user, form the solicited message that described request is tendered guarantee, and share micro-letter friend circle, the solicited message that described request tenders guarantee can be received like this with regard to the client of several the second accounts, the client of the second account operates the described request information shared based on user's instruction, and formation authentication information is sent to described lending platforms.Because described lending platforms also provides social interaction server simultaneously, thus the incidence relation data inquired from the database of its correspondence between described first account and the second account that can be easy.In concrete implementation procedure, described incidence relation data can also be the data having the client of the client of the first account or described second account to submit to described lending platforms.

In concrete implementation procedure, according to stability, the incidence relation data such as cohesion and/or frequent degree of the social networks of described first account and described second account, can also determine that described second account is the amount assured that the first account provides.

The mode forming guarantee information according to authentication information has multiple, below provides several optional manner specifically how forming described guarantee information:

Optional manner two:

Described according to described authentication information, form described guarantee information, also comprise:

Audit described authentication information, determine the amount assured of described second account;

According to the amount assured of described second account, determine actual guarantee amount; What the client receiving described second account sent agrees as the authentication information that described first account is tendered guarantee;

Audit described authentication information, determine the amount assured of described second account;

According to the amount assured of described second account, determine actual guarantee amount;

Form the described guarantee information comprising the accounts information of actual guarantee amount and described second account;

Described step S120 can comprise: according to described reality guarantee amount, determine the credit line of described first account.

Described authentication information can be only expression second account provides the guarantee of credit guarantee same information with meaning the first account, according to the wind regulatory control of credit guarantee then, without the need to determining that the second account can be the first account and tenders guarantee in the situations such as the amount of money, also directly guarantee information can be formed according to described authentication information.

Same, the identification information of guaranteed account can be comprised in described authentication information, as described in the first account; The account of tendering guarantee is as the identification information of the second account.Described authentication information also can comprise the information such as the amount of guarantee that the second account is ready to provide.

In addition, the described authentication information of described examination & verification, determine the amount assured of described second account, also can comprise:

Obtain the foundation information of the economic situation of described second account, history guarantee record, the line of credit of the second account and the incidence relation of the second account and the first account at least one of them;

In the information according to above-mentioned acquisition, determine the amount assured of described second account.

Concrete how to obtain can by described lending platforms by inquiry second account on lending platforms, the credit record formed and the information be registered on described lending platforms obtain, also can be that described lending platforms obtains from other platforms, can also be that the described client by the second account is submitted to, the method obtaining above-mentioned information is a lot, has just repeated no longer one by one at this.

After the described authentication information that the client that lending platforms receives the second account sends, can audit the second account, the concrete ability of paying back information as examination & verification the second account, audit the information such as credit standing information of the second account, to determine the amount assured of described second account.

What the concrete ability of paying back information as, the second account can comprise the second account monthly can refund.Suppose that the second account can refund be monthly oneself oneself demand for credit 10,000 yuan of needs current of the 30,000, second account, then the second account is now remaining can refund be 20,000.If current second account confirms to be willing to mean the credit guarantee that the first account credit provides 30,000 at the authentication information submitted to lending platforms; Lending platforms is according to the first account of the incidence relation data characterization of the ability of paying back information of described authentication information and the second account, the second account and the first account and the parameter such as the cohesion of the second account, the guarantee record of the second account, comprehensively determine that weighting coefficient is 0.5, again by described weighting coefficient and remainingly can to do product and calculate by refund 20,000, determine that the amount assured of the second account is only 10,000; Then the second account available reality guarantee amount is 10,000, but not 30,000.

If the authentication information that current second account is submitted to lending platforms shows: be willing to mean the credit guarantee that the first account credit provides 0.5 ten thousand, obvious second account be ready that the amount of money of tendering guarantee is less than the second account can refund, respect the user intention of the second account, when determining actual guarantee amount, then determine that described reality guarantee amount is 0.5 ten thousand.

Be ready herein that the amount of money of tendering guarantee can be described as: amount of guarantee; The described amount assured according to described second account, determines actual guarantee amount, comprising: according to described amount of guarantee and describedly assure amount, determine described reality guarantee amount; Wherein, described reality guarantee amount does not assure amount higher than described, and not higher than described amount of guarantee.

When specific implementation, after described lending platforms can assure amount described in determining, also can be formed and can assure amount information, described in sending respectively to the client of the client of the first account and the second account, amount information can be assured, the amount assured performing current lending platforms to make user and determine.

In described optional manner two, can assure that the method for amount has described in determining multiple, be not limited to said method.

Information processing method shown in Fig. 6 is an embody rule example based on the information processing method described in the present embodiment; Described information processing method can comprise:

First client of the step S101: the first account sends the credit request comprising the credit applications amount of money to lending platforms.

Step S102: according to described credit request, lending platforms determines whether whether secured information or available line of credit corresponding to current guarantee information are not less than the credit applications amount of money, when the determination result of described lending platforms shows, the first account also non-secured information or available line of credit corresponding to current guarantee information is less than the credit applications amount of money and then enters step S103.Described available line of credit can be regarded as residue line of credit, and specifically as guarantee information can provide the guarantee amount of 100,000, but the first account has has borrowed or lent money 30,000, then current available line of credit is 70,000.

Step S103: lending platforms can send to the first client prompting of tendering guarantee.

Step S104: the first client can send request to the second client of the second account the solicited message that the second account tenders guarantee.

Step S105: the second client indicates based on the user of described request information and the second account, sends authentication information to lending platforms.

Step S106: lending platforms examination & verification authentication information, determines actual guarantee amount, to form described guarantee information.

Obviously embodiments provide a kind of method specifically how obtaining described guarantee information, have and realize easy advantage.When first account newly opened needs quick apply for loan, can tender guarantee by having the user of the second account, enjoy fiduciary loan fast, obvious channel efficiency is higher, lending platforms intelligent also higher.

It should be noted that, when specific implementation, described lending platforms when not receiving the credit request that the first client sends, also can be tendered guarantee prompting described in transmission, concrete as lending platforms find that the first account is not formed with guarantee information time.Described lending platforms also may when not receiving credit request, and also can receive the second account is the authentication information that the first account is tendered guarantee.The execution sequence of above-mentioned steps S101 to step S106 is not limited to said sequence.

When specific implementation, described authentication information comprises the foundation information of the economic situation of confirmation second account;

The described authentication information of described examination & verification, determine that the guarantee amount that described second account provides also can comprise:

According to described according to information, that determines described second account can amount of guarantee.

The described capital assets that can comprise the deposit information of the user of the second account, the wage information of the user of the second account, the consumption recording information of the second account or the second account according to information prove or other can show the information of the loan repayment capacity of described second account.Under normal circumstances, obvious described economic situation information is better, then the amount assured that may provide is higher.

When forming guarantee information, determining the ability of paying back information of described second account, also needing the credit standing information of consideration second account.If the credit standing information of the second account shows that the credit standing of the second account is bad, be often in arrears with credit fund; Obviously can be unfavorable for that lending platforms gets del credere from the second account like this.In view of this, audit described authentication information described in the present embodiment, determine to comprise the guarantee amount that described second account provides:

Inquire about the credit grade information of described second account;

According to described letter of supporting class information, described in determining, amount can be assured.

Usual described credit grade information shows that the credit grade of described second account is higher, just shows that the situation of the timely repayment of the second account is better, then can suitably give and higher line of credit.

Concrete as credit grade information being divided into M grade.The credit granting weight that M grade is corresponding different, if the ability of paying back information of an account shows to repay N unit money in each pay-back period.Described M can be the integer being not less than 2; Described N be greater than 1 number.

If the credit class information of the second account shows that the credit of the second account is very good, it is the good premium user of credit, then can provide credit amount by surplus, now, can assure that amount can equal a*N unit, described a can be the number being greater than 1.

When the credit grade information of the second account shows having a good credit of the second account, seldom occurring being in arrears with, be in arrears with also can refund in time if occur, can be now good user, and now, described a can be 1.

When the credit grade information of the second account shows that the credit standing of the second account is poor, then now, described a can get the number being less than 1.

Comprehensive such scheme, below provides a concrete example.Suppose the credit applications amount of money 30000 yuan of the first account application, after submitting credit Shen information to, by modes such as information inquiries, lending platforms determines that the line of credit of the first account is 10000 yuan, lending platforms sends the approval results of loan application to the first account to the client of the first account, not enough to be informed the user of the first account its line of credit current by the client of the first account.The user of the first account is by social software that client is installed or invite the second account to provide credit guarantee for it based on communication software.The client of the second account receives after the first account request provides the information of credit guarantee to invite, by clicking the operation instruction clients such as confirming button " agreement " in the client of the second account, send same authentication information of tendering guarantee for this loan to lending platforms.Lending platforms is after receiving described authentication information, inquiring about the second account according to the account of the second account, to obtain credit line be 50000 members, assure according to the social networks of the second account and the first account, history again record, to obtain the second account be the weighting coefficient that the first account is assured to the information such as credit record is ɑ, then the available loan limit of current first account is 10000+50000* ɑ, if 10000+50000* ɑ is >30000, then the credit applications now of the first account will be passed through by lending platforms examination & verification.If there is multiple guarantor, the value of ɑ may be also relevant to the factor such as number and credit level of other guarantor.

Below for being the authentication information that the first account is tendered guarantee according to the second account, determine a kind of optional manner of the line of credit in guarantee information:

Suppose that the amount assured of i-th secured account is Mi, weighting coefficient is ai, if meet $10000+\underset{i=1}{\overset{I}{\mathrm{\Σ}}}(\mathrm{Mi}*\mathrm{ai})>30000,$ Wherein I is total number of secured account.

When specific implementation, method one and method two can be combined, be not limited to and be used alone.

Described step S100 also comprises:

The inquiry request of the first account demand for credit that the client receiving described second account sends;

Respond described inquiry request sends credit applications condition information from the first account to the client of described second account;

Wherein, described credit applications condition information provides foundation for forming described authentication information.

As described in embodiment of the method one, after lending platforms receives the credit request of client transmission of the first account, corresponding credit applications mark may be formed.The client of the first account is when request second account provides credit guarantee for it, described credit applications mark can be sent to the client of described second account, can facilitate like this and follow-uply mark lending platforms according to described credit applications and inquire about the credit applications condition information that the first account needs the current credit of tendering guarantee.

The described credit applications situation that the client of described second account receives, to exceed the time limit the condition information such as guaranty insurance information of the result that also may not cause and the second account if may comprise this credit.

The user of the second account is after receiving described credit applications condition information, ability of paying back according to oneself is carried out comprehensive evaluation to information such as user's ability of paying back of the first account and credit standings, determine whether as it is tendered guarantee, if the credit applications of the first account is tendered guarantee, then form described authentication information by the client of described first account and send to described lending platforms.

When specific implementation, above-mentioned inquiry request can be not limited to for the formation of described authentication information, also can be after the first account provides credit guarantee, facilitate the client of the first account to check.

Embodiment of the method three:

As shown in Figure 1, the present embodiment provides a kind of information processing method, and described method comprises:

Step S110: the credit request that the client that lending platforms receives the first account sends; Described credit request comprises the credit applications amount of money;

Step S120: respond described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Step S130: according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Step S140: the client to described first account sends described credit result;

Step S150: according to described credit result, is formed and client to described second account sends credit guarantee feedback information;

Step S100: obtain the guarantee information that described second account provides for described first account credit.Wherein, before described step S100 is usually located at described step S120.

Described step S100 can comprise:

What the client receiving described second account sent agrees as the authentication information that described first account is tendered guarantee;

Audit described authentication information, determine the amount assured of described second account;

According to the amount assured of described second account, determine actual guarantee amount;

Form the described guarantee information comprising the accounts information of actual guarantee amount and described second account;

Described step S130 can comprise: according to described reality guarantee amount, determine the credit line of described first account.

Described method also comprises:

According to described guarantee information, form guarantee and to come into force information;

Client respectively to described first account and described second account sends described guarantee and to come into force information.

The usual described guarantee information of coming into force can comprise actual guarantee amount information, to come into force information by sending described guarantee to the client of the first account and the second account, to inform the situation that the user of the first account and the second account assures at present.In concrete implementation procedure, described guarantee comes into force information for described second account for sending time the first account provides credit guarantee successful, described second account be described first account tender guarantee failure time, described lending platforms can also send guarantee failure information to the client of the first account and the second account.

Send to the first account can be identical with the described guarantee information of coming into force of the client of the second account, part also can be had different.Concrete as sent to the guarantee of the second account to come into force information, except actual amount of guarantee, guaranty insurance information can also be comprised, also can comprise the information such as the amount of the second account also available guarantee at present.

As shown in Figure 7, described information processing method can comprise:

The client of step S201: account B sends authentication information to lending platforms, and described authentication information is for representing that account B is willing to that meaning account A provides credit guarantee.Described account A is above-mentioned first account; Described account B is described second account.

Step S202: lending platforms examination & verification guarantee information, concrete review process can, see embodiment of the method two technical scheme arbitrarily, be determined assure successfully, then formation guarantee information and guarantee come into force information.When specific implementation, described lending platforms also will store described guarantee information.

Step S203: the described guarantee information of coming into force is sent to customer end A and customer end B by lending platforms.

In customer end A and customer end B, the content of display is send to the guarantee of client to come into force information respectively in the figure 7.

As shown in Figure 8, described information processing method can comprise:

The client of step S301: account B sends authentication information to lending platforms, and described authentication information is for representing that account B is willing to that meaning account A provides credit guarantee.Described account A is above-mentioned first account; Described account B is described second account.

Step S302: lending platforms is determined to assure unsuccessfully by examination & verification certification, then form guarantee failure information.

Step S303: send described guarantee failure information respectively to customer end A and customer end B.

Described guarantee failure information can be only guarantee failure result, can also comprise the reason that guarantee is failed.Specifically as also comprised guarantee failure cause in the customer end A of Fig. 8 and the guarantee failure information of customer end B display.

Embodiment of the method four:

As shown in Figure 4, the present embodiment provides a kind of information processing method, and described method comprises:

Step S110: the credit request that the client that lending platforms receives the first account sends; Described credit request comprises the credit applications amount of money;

Step S120: respond described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Step S130: according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Step S140: the client to described first account sends described credit result.

During specific implementation, described method also can comprise step S150; Described step S150 step S150: according to described credit result, is formed and client to described second account sends credit guarantee feedback information.

When specific implementation, user, may higher than the available credit of current first account based on the credit applications amount of money of described client to lending platforms application, also may lower than the available line of credit of the first account; In view of this, described step S140 can comprise following two kinds of implementations at least one of them.

Mode one: described step S140 can wrap:

The more described credit applications amount of money and described available credit;

When the described credit applications amount of money is not higher than described available credit, equal the actual credit amount of the described credit applications amount of money to described first bill payment;

According to described actual credit amount, form credit result.

Mode two: described step S140 can comprise:

When the described credit applications amount of money is higher than described available credit, to the client transmitting portion credit information of described first account; Described Partial credit information comprises can credit amount;

The Partial credit feedback information that the client receiving described first account returns based on described Partial credit information;

When described Partial credit feedback information shows to agree to Partial credit, carry out credit payment to described first account, form credit result.

When the credit applications amount of money is not higher than described available credit, the loan of the described credit applications amount of money is equaled directly to described first bill payment, but when the credit applications amount of money is higher than described available credit, by the client transmitting portion credit information to the first account, can play and inform that the current available line of credit of user is inadequate, whether receiving unit credit.Concrete as demand for credit 100,000, but accumulate the information such as guarantee information and assets proof of current first account, the available credit amount of 80,000 only can be provided, then now by described Partial credit information, inform the credit applications situation of user and whether request agrees to the loan of first to file 80,000 credit, when user agrees to Partial credit, better like this utilize this platform of credit, provide more credit, promote the flowing of fund.

When specific implementation, described lending platforms also when the credit applications amount of money is higher than described available credit, directly can be formed the information of this credit applications failure, the information of described credit applications failure is returned to the client of the first account.Available credit amount can also be sent to the client of the first account simultaneously, after facilitating user to consult, form credit applications next time.

Embodiment of the method four:

As shown in Figure 1, the present embodiment provides a kind of information processing method, and described method comprises:

Step S110: the credit request that the client that lending platforms receives the first account sends; Described credit request comprises the credit applications amount of money;

Step S120: respond described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Step S130: according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Step S140: the client to described first account sends described credit result.

Described method also comprises:

When described first account is at the non-reimbursement credit of credit repayment date, is formed and repay information;

Client to described first account and described second account sends described repayment information.

In the present embodiment further the first account be according to appointment reimbursement credit time, formed and repay information, this is repaid information and is not only sent to the client of the first account, is also sent to the client of the second account simultaneously; The user of prompting the first account notes refunding in time, in order to avoid pay the bad credit record of unnecessary interest and fine and formation on the one hand; Send to the client of the second account on the other hand, can remind the second account that guarantee of performance may be needed to pay, and the user of prompting first account notes refunding to impel the user of the second account to note, can ensure that the fund of lending platforms is as far as possible according to proper flow like this, the least possible appearance bad accounts and bad credit, thus lending platforms has intelligent high advantage.

In addition, described method also comprises:

When satisfied guarantee repayment terms, send the request of repayment to described second account or automatically control described second account and repay.

Described guarantee repayment terms, the concrete credit amount as the first account exceeds the time limit also not exceeded and specifies the time limit, now needs to carry out credit repayment by the second account, now can send to the second account the request of repayment.When there being available funds in described second account, also based on the automatic payments agreement signed between described second account and lending platforms, described second account can be controlled and automatically repays.

In specific implementation process, if described second account is asked based on described repayment, credit payment is carried out for the first account, then described lending platforms also will generate credit guarantee payment information, be sent to the client of the first account and the second account, facilitate the user of follow-up second account to ask for credit guarantee payment to the user of described first account.

An embody rule example is provided below in conjunction with above-mentioned any embodiment:

As shown in Figure 9, described example comprises:

Step 1: the user A of the first account A logs in customer end A and enters apply for loan interface.Usual client all can be installed the application can carrying out information interaction in described lending platforms, concrete as credit APP.

Step 2: customer end A sends credit request to lending platforms.Described credit request can comprise credit applications amount of money M, the user of the first account logs in state mark skey, receive the information such as the bank card number C of loan sends to lending platforms.

Step 3: lending platforms then determines available credit M' according to the information such as skey and wind regulatory control.Wherein, described wind regulatory control then for being stored in advance in for one of parameter of line of credit in described lending platforms, described can with line of credit can be according to account overall credit amount with determine by the difference of line of credit.

Step 4: if M'>M, then the bank card being C directly to bank's card number of user is made loans; Otherwise send the information such as credit applications identification information token_id and loan application failure cause to described customer end A.

Step 5: after customer end A receives credit applications identification information token_id and loan application failure cause, loan result is shown in display.

Step 6: if loan application failure cause is amount deficiency, invitation good friend can be provided credit guarantee by user A.Token_id and other necessary informations are sent to the good friend in oneself certain or multiple social networks by the process of inviting.

Step: 7: the user F of user A customer end B receive client the request of credit guarantee is provided after, the login state skey' carrying second account of token_id and user F sends inquiry request to lending platforms.

Step 8: what customer end B reception lending platforms returned comprises the credit applications details such as the loan application condition information of user A.

Step 9: if user F agrees to tender guarantee, then send authentication information by customer end A to lending platforms, described authentication information carry second account of described token_id and user F login state skey', guarantee use bank card number C'(optional) etc. information send out to backstage agree to guarantee request.

Step 10: lending platforms inquires about the information such as the credit line of this user F according to skey', calculate user F tender guarantee after the accrediting amount M of loan requests to token_id mark ".

Step 11: if M " >M, backstage then to loan application people A and this request of promising token_id tender guarantee account broadcast debt-credit successful result; Otherwise only can send to F the information assured and come into force.

To exceed the time limit the situation of not refunding if there is user, to user F and the user that tenders guarantee of this request of promising token_id broadcast the state of this loan current.Need guarantor to bear obligation under bond if related to, such as deduct credit line, the bank card used during collateral warranty is withholdd, then backstage pushes concrete prompting message directly to user A or user F.

Apparatus embodiments one:

As shown in Figure 10, the present embodiment provides a kind of lending platforms, and described lending platforms comprises:

Receiving element 110, the credit request that the client for receiving the first account sends; Described credit request comprises credit request and the credit applications amount of money;

Response unit 120, for responding described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Payment unit 130, for according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Transmitting element 140, for sending described credit result to the client of described first account.

The concrete structure of described receiving element 110 and transmitting element 140 can comprise communication interface, and described communication interface can include line interface or wave point; Described wireline interface can comprise cable interface or optical cable interface; Described wave point can comprise dual-mode antenna etc.Described receiving element 110 and described transmitting element 140 may correspond to different communication interfaces, also integratedly can correspond to same interface.

Described response unit 120 payment unit 130 can comprise the processor and storage medium with the information processing function, can store computer executable instructions in described storage medium, described processor passes through the structures such as the bus of device interior and is connected with described storage medium.Described processor reads and runs described executable instruction, then can realize the function of described response unit and described payment unit.Described response unit 120 and payment unit 130 can correspond to same processor, processor that also can be corresponding different.When described response unit 120 and described payment unit 130 is integrated correspond to same processor time, when described processor can adopt, the mode such as divisional processing or concurrent thread is to realize the response of described credit applications and credit pays.

Described processor can be application processor AP, central processor CPU, digital signal processor DSP, Micro-processor MCV or programmable array PLC etc. and has the electronic devices and components of the information processing function or the combination of electronic devices and components.

Lending platforms described in the present embodiment, can also structure as shown in Figure 2 or Figure 3, is the equipment platform having multiple network equipment to be formed by connecting, concrete as comprised the structures such as credit service device, database and credit gateway.

When specific implementation, described lending platforms also can only comprise credit service device.The various data because of credit generation all can directly be stored on the storage medium of credit service device inside.The communication interface that described credit service device is also carried by himself, walks around described credit gateway and is directly connected with client.

Described client can be the subscriber terminal equipment such as mobile phone or various types of computers.

As further improvement of this embodiment, described transmitting element 140, time also for showing that when described credit result described lending platforms provides credit to described first account, to be formed and client to described second account sends credit guarantee feedback information.

The present embodiment provides a kind of lending platforms for the information processing method in embodiment of the method in a word, to improve the intelligent of lending platforms, the credit demand of more users can being met, reducing the data processing amount of lending platforms when carrying out credit, improve treatment effeciency during lending platforms credit.

Apparatus embodiments one:

As shown in Figure 10, the present embodiment provides a kind of lending platforms, and described lending platforms comprises:

Receiving element 110, the credit request that the client for receiving the first account sends; Described credit request comprises credit request and the credit applications amount of money;

Response unit 120, for responding described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Payment unit 130, for according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Transmitting element 140, for sending described credit result to the client of described first account.

Described lending platforms also comprises:

Acquiring unit, for obtaining the guarantee information that described second account provides for described first account credit.

Described acquiring unit specifically can comprise communication interface equally, can by receiving described guarantee information from peripheral hardware, specifically as the guarantee information as described in receiving from client.

The concrete structure of described acquiring unit can comprise multiple, below provides several optional manner:

Mode one:

Described acquiring unit can comprise:

Receiver module, what the client for receiving described second account sent agrees as the authentication information that described first account is tendered guarantee;

Form module, for according to described authentication information, form described guarantee information.

Described receiver module can be communication interface, and described formation module can comprise the processor with the information processing function.

Mode two:

Based on mode one, described acquiring unit also comprises:

Acquisition module, for obtaining the incidence relation data of described first account and described second account;

Described formation module, specifically for forming described guarantee information according to described authentication information and described incidence relation data.

Described acquisition module can be communication interface equally, by receiving the incidence relation data of client or peripheral hardware transmission, also can be processor, obtaining described incidence relation data by the social networks database inquiring about the first account and the second account.

Mode three, based on mode one, as shown in figure 11, described acquiring unit, comprising:

Receiver module 101, what the client for receiving described second account sent agrees as the authentication information that described first account is tendered guarantee;

Auditing module 102, for auditing described authentication information, determines the amount assured of described second account;

Determination module 103, for the amount assured according to described second account, determines actual guarantee amount;

Described formation module 104, for the formation of the described guarantee information of accounts information comprising actual guarantee amount and described second account;

Described response unit 120, specifically for according to described reality guarantee amount, determines the credit line of described first account.

Described receiver module can comprise communication interface, can the same communication interface that correspond to physical equipment integrated with described receiving element.

Described auditing module 102, determination module 103 and formation module 104 all can independent or integrated alignment processing devices.

Guarantee information described in the present embodiment is that the authentication information sent based on client is generated voluntarily by described lending platforms.

In specific implementation process, the generation strategy etc. generating described guarantee information in described lending platforms, can be previously stored with, after receiving described authentication information, can corresponding guarantee information be converted to according to described authentication information and preserve.

Further,

Described auditing module 102, also can be used for the foundation information of the economic situation obtaining described second account, history guarantee record, the line of credit of the second account and the incidence relation of the second account and the first account at least one of them; And according to described according to information, described history guarantee record, the line of credit of described second account and the incidence relation of described second account and the first account at least one of them, that determines described second account can amount of guarantee.

Described auditing module 102, also for inquiring about the credit grade information of described second account; And according to described letter of supporting class information, described in determining, can amount be assured.

The foundation information of the economic situation according to described second account, credit grade information and authentication information three are determined described guarantee information by described lending platforms in the present embodiment, comprehensively can assess the ability of paying back of the second account like this.When specific implementation, to the assessment of the ability of paying back of described second account can the second account voluntarily demand for credit time just tangible one-tenth correspondence auditing result, or described second account for other accounts beyond described first account credit guarantee is provided time, the just auditing result of tangible one-tenth correspondence.Conveniently accelerate process, the lending platforms described in the present embodiment can according to before secondary to the auditing result that the examination & verification process of the economic situation of the second account and credit grade information is formed, accelerate the process of examination & verification, to form described guarantee information fast.

In addition, described authentication information also comprises amount of guarantee;

Described determination module 103, specifically for according to described amount of guarantee and describedly assure amount, determines described reality guarantee amount;

Wherein, described reality guarantee amount does not assure amount higher than described, and not higher than described amount of guarantee.

Comprehensively above-mentioned, lending platforms described in the present embodiment can be used for realizing hardware for the information processing method described in embodiment of the method two provides, it is same that to have the treatment effeciency of lending platforms to credit applications high, response time delay is little, can be the advantage of the user method credit of more loan worthy.

Apparatus embodiments three:

As shown in Figure 10, the present embodiment provides a kind of lending platforms, and described lending platforms comprises:

Receiving element 110, the credit request that the client for receiving the first account sends; Described credit request comprises credit request and the credit applications amount of money;

Response unit 120, for responding described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Payment unit 130, for according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Transmitting element 140, for sending described credit result to the client of described first account;

Described transmitting element 140, time also for showing that when described credit result described lending platforms provides credit to described first account, to be formed and client to described second account sends credit guarantee feedback information.

Described lending platforms also comprises:

Forming unit, for according to described guarantee information, forms guarantee and to come into force information;

Described transmitting element 140, also to come into force information for sending described guarantee respectively to the client of described first account and described second account.

When the second account is with meaning the first account providing unit, and lending platforms by examination & verification assessment determine that described second account can be tendered guarantee time, this is that the user of conveniently the first account and the second account knows the guarantee whether information such as successfully, also will after formation guarantee information, form guarantee to come into force information, and be sent to corresponding client.

In concrete implementation procedure, when described lending platforms is also for determining that the second account cannot be tendered guarantee based on the authentication information of the second account, not forming described guarantee information, sending the failed information of guarantee directly to the first account and the second account.Concrete treats also credit money as the second account self just has much to exceed the time limit, more assets are not had for the formation of assets cover yet, now, described second account is just difficult to the secured account becoming described first account, form effective guarantee, therefore described lending platforms can also be used for the guarantee refusing described second account, form the information that described guarantee is failed, to inform that the user of the first account and the second account assures failure.

Further, described receiving element 110 is also for receiving the inquiry request of the first account demand for credit of the client transmission of described second account;

Described transmitting element 140, also to send the credit applications condition information of the first account to the client of described second account for responding described inquiry request.

The user of the second account is after the request of the client of the first account received provides the information of credit guarantee, to the details of the credit applications needing understanding first account of whether tendering guarantee, therefore described receiving element 110 also will receive described inquiry request in the present embodiment, described transmitting element will also send described credit applications condition information by responding the client of described inquiry request to described second account.This can just can facilitate the user of the second account according to described credit applications condition information, forms corresponding authentication information.

Apparatus embodiments four:

As shown in Figure 10, the present embodiment provides a kind of lending platforms, and described lending platforms comprises:

Receiving element 110, the credit request that the client for receiving the first account sends; Described credit request comprises credit request and the credit applications amount of money;

Response unit 120, for responding described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Payment unit 130, for according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Transmitting element 140, for sending described credit result to the client of described first account;

Described transmitting element 140, time also for showing that when described credit result described lending platforms provides credit to described first account, to be formed and client to described second account sends credit guarantee feedback information.

Described can line of credit may be higher than the described credit applications amount of money, also may be lower than the described credit applications amount of money, in view of this, described payment unit 120 is to there being two kinds of processing modes.

The first:

Described payment unit 120, specifically for the more described credit applications amount of money and described available credit; When the described credit applications amount of money is not higher than described available credit, equal the actual credit amount of the described credit applications amount of money to described first bill payment; And according to described actual credit amount, form credit result.

The second:

Described payment unit 120, also for when the described credit applications amount of money is higher than described available credit, to the client transmitting portion credit information of described first account; Described Partial credit information comprises can credit amount; The Partial credit feedback information that the client receiving described first account returns based on described Partial credit information; And when described Partial credit feedback information shows to agree to Partial credit, carry out credit payment to described first account, form credit result.

Described payment unit 120, when paying, specifically can be used for control bank card and pays to another bank card, also can control a payment account and pay to another payment account.Described payment account can comprise the network payment accounts such as Wealth tong account, Baidu's wallet or Alipay.Obviously, when paying, described payment unit 120 also can control bank card and pay to payment account, can also time control payment account pay to bank card.

The lending platforms present embodiments provided, described lending platforms makes different payment response by according to available credit amount and the credit applications amount of money, has intelligent height and the high advantage of user's user satisfaction.

Apparatus embodiments five:

As shown in Figure 10, the present embodiment provides a kind of lending platforms, and described lending platforms comprises:

Receiving element 110, the credit request that the client for receiving the first account sends; Described credit request comprises credit request and the credit applications amount of money;

Response unit 120, for responding described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Payment unit 130, for according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Transmitting element 140, for sending described credit result to the client of described first account;

Described transmitting element 140, time also for showing that when described credit result described lending platforms provides credit to described first account, to be formed and client to described second account sends credit guarantee feedback information.

Described lending platforms also comprises forming unit;

Described forming unit, for when described first account is at the non-reimbursement credit of credit repayment date, is formed and repays information;

Described transmitting element 140, also for sending described repayment information to the client of described first account and described second account.

Described forming unit can comprise and has any one and have information processing function electronic devices and components, concrete as the processor described in above-mentioned apparatus embodiments.

As further improvement of this embodiment, described transmitting element 240, also for when meeting guarantee repayment terms, sends to described second account the request of repayment.

The present embodiment, by the generation of described repayment information, can supervise the user of the first account and the second account to repay in time, to ensure the credit funds normal reflow of lending platforms, promotes the good circulation of fund.

In several embodiments that the application provides, should be understood that disclosed equipment and method can realize by another way.Apparatus embodiments described above is only schematic, such as, the division of described unit, be only a kind of logic function to divide, actual can have other dividing mode when realizing, and as: multiple unit or assembly can be in conjunction with, maybe can be integrated into another system, or some features can be ignored, or do not perform.In addition, the coupling each other of shown or discussed each ingredient or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of equipment or unit or communication connection can be electrical, machinery or other form.

The above-mentioned unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, also can be distributed in multiple network element; Part or all of unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.

In addition, each functional unit in various embodiments of the present invention can all be integrated in a processing module, also can be each unit individually as a unit, also can two or more unit in a unit integrated; Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form that hardware also can be adopted to add SFU software functional unit realizes.

One of ordinary skill in the art will appreciate that: all or part of step realizing said method embodiment can have been come by the hardware that programmed instruction is relevant, aforesaid program can be stored in a computer read/write memory medium, this program, when performing, performs the step comprising said method embodiment; And aforesaid storage medium comprises: movable storage device, ROM (read-only memory) (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. various can be program code stored medium.

The above; be only the specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, is anyly familiar with those skilled in the art in the technical scope that the present invention discloses; change can be expected easily or replace, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of described claim.

Claims (20)

1. an information processing method, is characterized in that, described method comprises:

The credit request that the client that lending platforms receives the first account sends; Described credit request comprises the credit applications amount of money;

Respond described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

According to the described credit applications amount of money and described available credit, carry out credit payment to described first account, form credit result;

Client to described first account sends described credit result.

2. method according to claim 1, is characterized in that,

Described method also comprises:

Obtain the guarantee information that described second account provides for described first account credit.

3. method according to claim 2, is characterized in that,

The guarantee information that described second account of described acquisition provides for described first account credit, comprising:

What the client receiving described second account sent agrees as the authentication information that described first account is tendered guarantee;

According to described authentication information, form described guarantee information.

4. method according to claim 3, is characterized in that,

Described according to described authentication information, form described guarantee information, comprising:

Obtain the incidence relation data of described first account and described second account;

According to described incidence relation data and authentication information, form described guarantee information.

5. method according to claim 3, is characterized in that,

Described according to described authentication information, form described guarantee information, also comprise:

Audit described authentication information, determine the amount assured of described second account;

According to the amount assured of described second account, determine actual guarantee amount;

Form the described guarantee information comprising the accounts information of actual guarantee amount and described second account;

The described guarantee information provided for described first account credit according at least one second account, determine the available credit of described first account, comprising:

According to described reality guarantee amount, determine the credit line of described first account.

6. method according to claim 5, is characterized in that,

The described authentication information of described examination & verification, determine the amount assured of described second account, comprising:

Obtain the foundation information of the economic situation of described second account, history guarantee record, the line of credit of the second account and the incidence relation of the second account and the first account at least one of them;

According to described according to information, described history guarantee record, the line of credit of described second account and the incidence relation of described second account and the first account at least one of them, that determines described second account can amount of guarantee.

7. method according to claim 5, is characterized in that,

The described authentication information of described examination & verification, determine to comprise the guarantee amount that described second account provides:

Inquire about the credit grade information of described second account;

According to described letter of supporting class information, described in determining, amount can be assured.

8. the method according to any one of claim 3 to 7, is characterized in that,

Described authentication information also comprises amount of guarantee;

The described amount assured according to described second account, determine actual guarantee amount, comprising:

According to described amount of guarantee and describedly assure amount, determine described reality guarantee amount;

Wherein, described reality guarantee amount does not assure amount higher than described, and not higher than described amount of guarantee.

9. the method according to any one of claim 3 to 7, is characterized in that,

Described method also comprises:

According to described guarantee information, form guarantee and to come into force information;

Client respectively to described first account and described second account sends described guarantee and to come into force information.

10. the method according to any one of claim 3 to 7, is characterized in that,

The guarantee information that described second account of described acquisition provides for described first account credit, also comprises:

The inquiry request of the first account demand for credit that the client receiving described second account sends;

Respond described inquiry request sends credit applications condition information from the first account to the client of described second account.

11. methods according to claim 1, is characterized in that,

Described method also comprises:

When described credit result shows that described lending platforms provides credit to described first account, to be formed and client to described second account sends credit guarantee feedback information.

12. 1 kinds of lending platforms, is characterized in that, described lending platforms comprises:

Receiving element, the credit request that the client for receiving the first account sends; Described credit request comprises credit request and the credit applications amount of money;

Response unit, for responding described credit request, the guarantee information provided for described first account credit according at least one second account, determines the available credit of described first account; Wherein, described second account is the secured account of described first account; Described second account and described first account are the operation account that different user is registered in described lending platforms;

Payment unit, for according to the described credit applications amount of money and described available credit, carries out credit payment to described first account, forms credit result;

Transmitting element, for sending described credit result to the client of described first account.

13. lending platforms according to claim 12, is characterized in that,

Described lending platforms also comprises:

Acquiring unit, for obtaining the guarantee information that described second account provides for described first account credit.

14. lending platforms according to claim 13, is characterized in that,

Described acquiring unit, comprising:

Receiver module, what the client for receiving described second account sent agrees as the authentication information that described first account is tendered guarantee;

Form module, for according to described authentication information, form described guarantee information.

15. lending platforms according to claim 14, is characterized in that,

Described acquiring unit also comprises:

Acquisition module, for obtaining the incidence relation data of described first account and described second account;

Described formation module, specifically for according to described authentication information and described incidence relation data, forms described guarantee information.

16. require the lending platforms described in 14 according to claim, and it is characterized in that, described acquiring unit comprises:

Auditing module, for auditing described authentication information, determines the amount assured of described second account;

Determination module, for the amount assured according to described second account, determines actual guarantee amount;

Described formation module, specifically for forming the described guarantee information comprising the accounts information of actual guarantee amount and described second account;

Described response unit, specifically for according to described reality guarantee amount, determines the credit line of described first account.

17. lending platforms according to claim 16, is characterized in that,

Described auditing module, specifically for obtain the foundation information of the economic situation of described second account, history guarantee record, the line of credit of the second account and the incidence relation of the second account and the first account at least one of them; And according to described according to information, described history guarantee record, the line of credit of described second account and the incidence relation of described second account and the first account at least one of them, that determines described second account can amount of guarantee.

18., according to claim 14 to the lending platforms described in 17 any one, is characterized in that,

Described lending platforms also comprises:

Forming unit, for according to described guarantee information, forms guarantee and to come into force information;

Described transmitting element, also to come into force information for sending described guarantee respectively to the client of described first account and described second account.

19., according to claim 14 to the lending platforms described in 17 any one, is characterized in that,

Described receiving element is also for receiving the inquiry request of the first account demand for credit of the client transmission of described second account;

Described transmitting element, also to send the credit applications condition information of the first account to the client of described second account for responding described inquiry request.

20. lending platforms according to claim 12, is characterized in that,

Described transmitting element, time also for showing that when described credit result described lending platforms provides credit to described first account, to be formed and client to described second account sends credit guarantee feedback information.