CN105791446A - Method, device and system for processing private lending - Google Patents
Method, device and system for processing private lending Download PDFInfo
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- CN105791446A CN105791446A CN201610331479.6A CN201610331479A CN105791446A CN 105791446 A CN105791446 A CN 105791446A CN 201610331479 A CN201610331479 A CN 201610331479A CN 105791446 A CN105791446 A CN 105791446A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/56—Provisioning of proxy services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/56—Provisioning of proxy services
- H04L67/562—Brokering proxy services
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Abstract
The application provides a method, device and system for processing private lending. Users can carry out debit and credit in a self-service mode through the private lending processing method; and on the basis of the self-service debit and credit, debit and credit contracts are monitored so that the private lending form is made transparent; whether the rights and interests of borrowers and lenders of private lending are harmed or not is monitored by means of related laws and regulations; and when the rights and interests of any of the borrowers and the lenders are harmed, timely prompts can be provided to avoided long-term loss for the party whose rights and interests are damaged.
Description
Technical field
The application relates to financial field, particularly to a kind of personalized lending processing method, Apparatus and system.
Background technology
China's non-state finance is with a long history, is the important supplement of the important component part of financial system and financial institution, alleviates the problem that Financing is difficult to a certain extent, has promoted the development of rural economy.Non-state finance flexible form; based on debt-credit; can be protected by the law less than four times of interest rates of bank's coterminous rate; as long as signing a contract privately or oral contract just can by fund to borrower; formality is efficient and convenient, consuming time short, and debtor and creditor is often acquaintance; the compiling costs of credit information is relatively low, it is possible to the requirement of the person that better meets credit requirement.
But, sign a contract privately or oral contract owing to current personalized lending adopts, form is excessively hidden, personalized lending activity cannot be supervised and regulate and control, therefore when the damage of the rights and interests of the debt-credit side of personalized lending or lending side, relevant laws and regulations cannot be utilized to remind damage of the rights and interests side in time, it is to avoid the rights and interests of damage of the rights and interests side incur loss for a long time.
Summary of the invention
For solving above-mentioned technical problem, the embodiment of the present application provides a kind of personalized lending processing method, Apparatus and system, to reach to realize self-service debt-credit, and avoids the purpose that the rights and interests of damage of the rights and interests side incur loss for a long time, and technical scheme is as follows:
A kind of personalized lending processing method, including:
A: when user asks to log in, obtain the identity of user's input；
B: judge that in personal account data base, whether the user basic information corresponding with described identity of storage be complete, if it is not, perform step C, if so, perform step D；
C: gather the essential information that described user does not store in described personal account data base, and the essential information collected is stored in the user basic information that described identity is corresponding, and return execution step B；
D: judge whether to receive the Loan Demand information of described user input, if it is not, perform step E, if so, performs step F；
E: display account management interface, and receive the problem solicited message that described user utilizes described account management interface to input, returning answer result for described problem solicited message, described problem solicited message includes asset search, guarantee inquiry, credit record inquiry or finance law knowledge query；
F: pointing out described user to input loan information, and receive the loan information that described user inputs, described loan information at least includes credit amount and the essential information of another counterparty corresponding with described user；
G: judge whether described user selects to borrow or lend money to financial institution, if so, performs step H, if it is not, perform step K；
H: search the credit scoring of debtor in credit management data base, if finding, then performs step I, if not finding, then performs step J；
I: obtain the borrowing rate corresponding with the credit scoring of described debtor from described credit management data base, as treating borrowing rate, and perform step L；
J: the borrowing rate described financial structure specified is as treating borrowing rate, and performs step L；
K: point out the borrowing rate of the borrowing rate that described user inputs debtor the debtor described user inputted as treating borrowing rate；
L: judge whether described user selects cash-access, if so, performs step M, if it is not, perform step O；
M: the display cash-access page, and process the deposit or the withdrawal that described user utilizes the described cash-access page to carry out, and perform step N；
N: according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement, and store described loan agreement；
O: the display bank transfer page, and process the transferred account service that described user utilizes the described bank transfer page to carry out, and perform step N.
Preferably, according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement, and after storing described loan agreement, also include:
When receiving the print request of user's input, print described loan agreement.
Preferably, when user asks to log in, the identity obtaining user's input also includes:
P: search whether to include the certificate information that described identity is corresponding in digital certificate data storehouse, if so, performs step B, if it is not, perform step Q；
Q: utilize identity recognition device to obtain the identification card number of described user, and utilize the identification card number of described user to verify that whether the identity of described user is legal, if so, perform step R, if it is not, perform step S；
R: generate the certificate information of described user, is stored in the certificate information of the described user generated described digital certificate data storehouse, and returns execution step P；
S: alert.
Preferably, described identity includes: identification card number or bank's card number；
User basic information corresponding to described identity includes: name, contact method, identification card number or photo.
Preferably, gather the process of the essential information that described user does not store in described personal account data base, including:
Receive the photo of the described user of photographic head shooting；
And/or, receive identification card number and the name of the described user that identity recognition device gets；
And/or, point out described user to input contact method, and obtain the contact method of described user input.
Preferably, the described user of described reception utilizes the process of the problem solicited message that described account management interface inputs, including:
The phonetic problem solicited message that the described user that reception microphone gets utilizes described account management interface to input；
Described phonetic problem solicited message is converted to word problem solicited message；
The described process returning answer result for described problem solicited message, including:
Voice answer result or character solution result is returned for described problem solicited message.
Preferably, the described process returning answer result for described problem solicited message, including:
Problem in described problem solicited message is carried out keyword extraction, keyword expansion and synonym extension, obtains keyword extraction result, keyword expansion result and synonym spreading result；
The sentence pattern pattern of problem in described problem solicited message is determined according to keyword extraction result, keyword expansion result and synonym spreading result；
Answer type is determined by described sentence pattern pattern；
Each data base that described answer type is corresponding searches first Search Results respectively corresponding with described keyword extraction result；
From the first Search Results each described, extract answer, and return described answer.
A kind of personalized lending processes device, including:
First acquiring unit, for when user asks to log in, obtaining the identity of user's input；
First judging unit, for judging that in personal account data base, whether the user basic information corresponding with described identity of storage be complete, if it is not, perform collecting unit, if so, performs the second judging unit；
Described collecting unit, for gathering the essential information that described user does not store in described personal account data base, and stores the essential information collected in the user basic information that described identity is corresponding, and returns described first judging unit of execution；
Described second judging unit, for judging whether to receive the Loan Demand information of described user input, if it is not, executive problem answer unit, if so, performs the first reception unit；
Described answer unit, for showing account management interface, and receive the problem solicited message that described user utilizes described account management interface to input, returning answer result for described problem solicited message, described problem solicited message includes asset search, guarantee inquiry, credit record inquiry or finance law knowledge query；
Described first receives unit, is used for pointing out described user to input loan information, and receives the loan information that described user inputs, and described loan information at least includes credit amount and the essential information of another counterparty corresponding with described user；
3rd judging unit, is used for judging whether described user selects to borrow or lend money to financial institution, if so, performs the first lookup unit, if it is not, perform first to determine unit；
Described first searches unit, for searching the credit scoring of debtor in credit management data base, if finding, then performs second acquisition unit, if not finding, then performs second and determines unit；
Described second acquisition unit, for obtaining the borrowing rate corresponding with the credit scoring of described debtor from described credit management data base, as treating borrowing rate, and performs the 4th judging unit；
Described second determines unit, and the borrowing rate being used for specifying described financial structure is as treating borrowing rate, and performs described 4th judging unit；
Described first determines unit, for pointing out the borrowing rate of the borrowing rate that described user inputs debtor the debtor described user inputted as treating borrowing rate；
Described 4th judging unit, is used for judging whether described user selects cash-access, if so, performs the first processing unit, if it is not, perform the second processing unit；
Described first processing unit, is used for showing the cash-access page, and processes the deposit or the withdrawal that described user utilizes the described cash-access page to carry out, and perform the first generation unit；
Described second processing unit, is used for showing the bank transfer page, and processes the transferred account service that described user utilizes the described bank transfer page to carry out, and performs described first generation unit；
Described first generates unit, for according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement；
Memory element, is used for storing described loan agreement.
Preferably, also include:
Print unit, for when receiving the print request of user's input, printing described loan agreement.
Preferably, also include:
Second searches unit, for searching whether to include the certificate information that described identity is corresponding in digital certificate data storehouse, if so, performs described first judging unit, if it is not, perform authentication unit；
Described authentication unit, for utilizing identity recognition device to obtain the identification card number of described user, and utilizes the identification card number of described user to verify that whether the identity of described user is legal, if so, performs the second generation unit, if it is not, perform alarm unit；
Described second generates unit, for generating the certificate information of described user, the certificate information of the described user generated is stored in described digital certificate data storehouse, and returns the described second lookup unit of execution；
Described alarm unit, for alert.
Preferably, described collecting unit includes:
First receives subelement, for receiving the photo of the described user of photographic head shooting；
Second receives subelement, for receiving identification card number and the name of the described user that identity recognition device gets；
First obtains subelement, is used for pointing out described user to input contact method, and obtains the contact method of described user input.
Preferably, described answer unit includes:
3rd receives subelement, the phonetic problem solicited message that the described user got for receiving microphone utilizes described account management interface to input；
Converting unit, for being converted to word problem solicited message by described phonetic problem solicited message；
First returns subelement, for returning voice answer result or character solution result for described problem solicited message.
Preferably, described answer unit includes:
Processing subelement, for the problem in described problem solicited message being carried out keyword extraction, keyword expansion and synonym extension, obtaining keyword extraction result, keyword expansion result and synonym spreading result；
First determines subelement, for determining the sentence pattern pattern of the problem in described problem solicited message according to keyword extraction result, keyword expansion result and synonym spreading result；
Second determines subelement, for determining answer type by described sentence pattern pattern；
Search subelement, for searching first Search Results corresponding with described keyword extraction result in each data base that described answer type is corresponding respectively；
Extract subelement, for first Search Results extracting answer from each described；
Second returns subelement, is used for returning described answer.
A kind of personalized lending processes system, including: image processing apparatus, voice processing apparatus, identity recognition device and the personalized lending as described in above-mentioned any one process device；
Described image processing apparatus, for shooting the photo of user, and sends the photo of user to described personalized lending process device；
Described identity recognition device, for identifying the identity card of described user, obtains identification card number and the name of described user, and sends identification card number and the described name of described user to described personalized lending process device；
Described voice processing apparatus, for obtaining the phonetic problem solicited message of described user, and described phonetic problem solicited message is converted to word problem solicited message, described word problem solicited message is sent to described personalized lending process device, and return the voice answer result that described personalized lending process device returns for problem solicited message in the form of speech.
Compared with prior art, the having the beneficial effect that of the application
In this application, user can realize self-service debt-credit by personalized lending processing method, and realizing on the basis of self-service debt-credit, monitoring loan agreement, by the form transparence of personalized lending, such that it is able to utilize whether the rights and interests of the debtor and creditor of relevant laws and regulations supervision personalized lending incur loss, during with the damage of the rights and interests of one party in debt-credit side and lending side, remind in time, it is to avoid the rights and interests of damage of the rights and interests side incur loss for a long time.
Accompanying drawing explanation
In order to be illustrated more clearly that the technical scheme in the embodiment of the present application, below the accompanying drawing used required during embodiment is described is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the application, for those of ordinary skill in the art, under the premise not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is a kind of flow chart of the personalized lending processing method that the application provides；
Fig. 2 is a kind of sub-process figure of the personalized lending processing method that the application provides；
Fig. 3 is the another kind of flow chart of the personalized lending processing method that the application provides；
Fig. 4 is another flow chart of the personalized lending processing method that the application provides；
Fig. 5 is a kind of logical structure schematic diagram that the personalized lending that the application provides processes device；
Fig. 6 is the another kind of logical structure schematic diagram that the personalized lending that the application provides processes device；
Fig. 7 is another logical structure schematic diagram that the personalized lending that the application provides processes device；
Fig. 8 is a kind of logical structure schematic diagram that the personalized lending that the application provides processes system.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present application, the technical scheme in the embodiment of the present application is clearly and completely described, it is clear that described embodiment is only some embodiments of the present application, rather than whole embodiments.Based on the embodiment in the application, the every other embodiment that those of ordinary skill in the art obtain under not making creative work premise, broadly fall into the scope of the application protection.
Embodiment one
Refer to Fig. 1, it illustrates a kind of flow chart of the personalized lending processing method that the application provides, it is possible to comprise the following steps:
A: when user asks to log in, obtain the identity of user's input.
In the present embodiment, user input identity can but be not limited to include identification card number or bank's card number.
B: judge that in personal account data base, whether the user basic information corresponding with described identity of storage be complete, if it is not, perform step C, if so, perform step D.
In the present embodiment, the user basic information that described identity is corresponding includes: name, contact method, identification card number or photo.
C: gather the essential information that described user does not store in described personal account data base, and the essential information collected is stored in the user basic information that described identity is corresponding, and return execution step B.
D: judge whether to receive the Loan Demand information of described user input, if it is not, perform step E, if so, performs step F.
E: display account management interface, and receive the problem solicited message that described user utilizes described account management interface to input, returning answer result for described problem solicited message, described problem solicited message includes asset search, guarantee inquiry, credit record inquiry or finance law knowledge query.
F: pointing out described user to input loan information, and receive the loan information that described user inputs, described loan information at least includes credit amount and the essential information of another counterparty corresponding with described user.
G: judge whether described user selects to borrow or lend money to financial institution, if so, performs step H, if it is not, perform step K.
H: search the credit scoring of debtor in credit management data base, if finding, then performs step I, if not finding, then performs step J.
I: obtain the borrowing rate corresponding with the credit scoring of described debtor from described credit management data base, as treating borrowing rate, and perform step L.
J: the borrowing rate described financial structure specified is as treating borrowing rate, and performs step L.
K: point out the borrowing rate of the borrowing rate that described user inputs debtor the debtor described user inputted as treating borrowing rate.
L: judge whether described user selects cash-access, if so, performs step M, if it is not, perform step O.
M: the display cash-access page, and process the deposit or the withdrawal that described user utilizes the described cash-access page to carry out, and perform step N.
N: according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement, and store described loan agreement.
O: the display bank transfer page, and process the transferred account service that described user utilizes the described bank transfer page to carry out, and perform step N.
In this application, user can realize self-service debt-credit by personalized lending processing method, and realizing on the basis of self-service debt-credit, monitoring loan agreement, by the form transparence of personalized lending, such that it is able to utilize whether the rights and interests of the debtor and creditor of relevant laws and regulations supervision personalized lending incur loss, during with the damage of the rights and interests of one party in debt-credit side and lending side, remind in time, it is to avoid the rights and interests of damage of the rights and interests side incur loss for a long time.
In the present embodiment, gather the process of the essential information that described user does not store in described personal account data base, be specifically as follows:
Receive the photo of the described user of photographic head shooting；
And/or, receive identification card number and the name of the described user that identity recognition device gets；
And/or, point out described user to input contact method, and obtain the contact method of described user input.
In the present embodiment, the process of the problem solicited message that described user utilizes described account management interface to input is received, it is possible to for: the phonetic problem solicited message that the described user that reception microphone gets utilizes described account management interface to input；Described phonetic problem solicited message is converted to word problem solicited message.
Certainly, the process of the problem solicited message that described user utilizes described account management interface to input is received, it is also possible to for: receive the word problem solicited message that described user utilizes described account management interface to input.
Accordingly, the above-mentioned process returning answer result for described problem solicited message, it is specifically as follows: return voice answer result or character solution result for described problem solicited message.
In the present embodiment, return, for described problem solicited message, the process answering result and refer to Fig. 2, it is possible to comprise the following steps:
Step S21: the problem in described problem solicited message is carried out keyword extraction, keyword expansion and synonym extension, obtains keyword extraction result, keyword expansion result and synonym spreading result.
In the present embodiment, the problem in described problem solicited message is specifically as follows: every-day language, personal information (including the private information of oneself in counter-party information and person document), Professional knowledge describe and define (economics, the science of law etc.), geographical position navigation (address, phone, brief introduction), history chat record, legal advice or up-to-date information (financial institution loan requirement etc.).
In the present embodiment, it is possible to the problems referred to above are carried out across language identification, translation (such as dialect, Guangdong language, English, Japanese, French, German, Russian etc.).
Step S22: determine the sentence pattern pattern of problem in described problem solicited message according to keyword extraction result, keyword expansion result and synonym spreading result.
Step S23: determine answer type by described sentence pattern pattern.
Step S24: search first Search Results corresponding with described keyword extraction result in each data base that described answer type is corresponding respectively.
Each data base respectively finance Legal Knowledge Base, credit management data base, online client feedback question and answer knowledge base and the personal account history question and answer information bank that described answer type is corresponding.
Step S25: extract answer from the first Search Results each described, and return described answer.
In the present embodiment, from the first Search Results each described, extract answer, and the detailed process returning described answer can be: from the first Search Results each described, extract answer, and judge the accuracy of described answer, accuracy meet default output require time, return described answer.
Embodiment two
In the present embodiment, the basis of the personalized lending processing method shown in embodiment one expands another personalized lending processing method, refers to Fig. 3, it is possible to comprise the following steps:
A: when user asks to log in, obtain the identity of user's input.
B: judge that in personal account data base, whether the user basic information corresponding with described identity of storage be complete, if it is not, perform step C, if so, perform step D.
C: gather the essential information that described user does not store in described personal account data base, and the essential information collected is stored in the user basic information that described identity is corresponding, and return execution step B.
D: judge whether to receive the Loan Demand information of described user input, if it is not, perform step E, if so, performs step F.
E: display account management interface, and receive the problem solicited message that described user utilizes described account management interface to input, returning answer result for described problem solicited message, described problem solicited message includes asset search, guarantee inquiry, credit record inquiry or finance law knowledge query.
F: pointing out described user to input loan information, and receive the loan information that described user inputs, described loan information at least includes credit amount and the essential information of another counterparty corresponding with described user.
G: judge whether described user selects to borrow or lend money to financial institution, if so, performs step H, if it is not, perform step K.
H: search the credit scoring of debtor in credit management data base, if finding, then performs step I, if not finding, then performs step J.
I: obtain the borrowing rate corresponding with the credit scoring of described debtor from described credit management data base, as treating borrowing rate, and perform step L.
J: the borrowing rate described financial structure specified is as treating borrowing rate, and performs step L.
K: point out the borrowing rate of the borrowing rate that described user inputs debtor the debtor described user inputted as treating borrowing rate.
L: judge whether described user selects cash-access, if so, performs step M, if it is not, perform step O.
M: the display cash-access page, and process the deposit or the withdrawal that described user utilizes the described cash-access page to carry out, and perform step N.
N: according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement, and store described loan agreement.
O: the display bank transfer page, and process the transferred account service that described user utilizes the described bank transfer page to carry out, and perform step N.In the present embodiment, after performing step N, perform step N1.
N1: when receiving the print request of user's input, print described loan agreement.
In the present embodiment, the basis of the personalized lending processing method shown in embodiment one expands another personalized lending processing method, refers to Fig. 4, it is possible to comprise the following steps:
A: when user asks to log in, obtain the identity of user's input.
P: search whether to include the certificate information that described identity is corresponding in digital certificate data storehouse, if so, performs step B, if it is not, perform step Q.
Q: utilize identity recognition device to obtain the identification card number of described user, and utilize the identification card number of described user to verify that whether the identity of described user is legal, if so, perform step R, if it is not, perform step S.
R: generate the certificate information of described user, is stored in the certificate information of the described user generated described digital certificate data storehouse, and returns execution step P.
S: alert.
B: judge that in personal account data base, whether the user basic information corresponding with described identity of storage be complete, if it is not, perform step C, if so, perform step D.
C: gather the essential information that described user does not store in described personal account data base, and the essential information collected is stored in the user basic information that described identity is corresponding, and perform step D.
D: judge whether to receive the Loan Demand information of described user input, if it is not, perform step E, if so, performs step F.
E: display account management interface, and receive the problem solicited message that described user utilizes described account management interface to input, returning answer result for described problem solicited message, described problem solicited message includes asset search, guarantee inquiry, credit record inquiry or finance law knowledge query.
F: pointing out described user to input loan information, and receive the loan information that described user inputs, described loan information at least includes credit amount and the essential information of another counterparty corresponding with described user.
G: judge whether described user selects to borrow or lend money to financial institution, if so, performs step H, if it is not, perform step K.
H: search the credit scoring of debtor in credit management data base, if finding, then performs step I, if not finding, then performs step J.
I: obtain the borrowing rate corresponding with the credit scoring of described debtor from described credit management data base, as treating borrowing rate, and perform step L.
J: the borrowing rate described financial structure specified is as treating borrowing rate, and performs step L.
K: point out the borrowing rate of the borrowing rate that described user inputs debtor the debtor described user inputted as treating borrowing rate.
L: judge whether described user selects cash-access, if so, performs step M, if it is not, perform step O.
M: the display cash-access page, and process the deposit or the withdrawal that described user utilizes the described cash-access page to carry out, and perform step N.
N: according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement, and store described loan agreement.
O: the display bank transfer page, and process the transferred account service that described user utilizes the described bank transfer page to carry out, and perform step N.
Embodiment four
Corresponding with said method embodiment, present embodiments provide a kind of personalized lending and process device, referring to Fig. 5, personalized lending processes device and includes: first acquiring unit the 51, first judging unit 52, collecting unit the 53, second judging unit 54, answer unit 55, first receive unit the 56, the 3rd judging unit 57, first and search unit 58, second acquisition unit 59, second determine unit 510, first determine that unit the 511, the 4th judging unit the 512, first processing unit the 513, second processing unit 514, first generates unit 515 and memory element 516.
First acquiring unit 51, for when user asks to log in, obtaining the identity of user's input.
First judging unit 52, for judging that in personal account data base, whether the user basic information corresponding with described identity of storage be complete, if it is not, perform collecting unit 53, if so, performs the second judging unit 54.
Described collecting unit 53, for gathering the essential information that described user does not store in described personal account data base, and stores the essential information collected in the user basic information that described identity is corresponding, and returns described first judging unit of execution.
Described second judging unit 54, for judging whether to receive the Loan Demand information of described user input, if it is not, executive problem answer unit 55, if so, performs the first reception unit 56.
Described answer unit 55, for showing account management interface, and receive the problem solicited message that described user utilizes described account management interface to input, returning answer result for described problem solicited message, described problem solicited message includes asset search, guarantee inquiry, credit record inquiry or finance law knowledge query.
Described first receives unit 56, is used for pointing out described user to input loan information, and receives the loan information that described user inputs, and described loan information at least includes credit amount and the essential information of another counterparty corresponding with described user.
3rd judging unit 57, is used for judging whether described user selects to borrow or lend money to financial institution, if so, performs the first lookup unit 58, if it is not, perform first to determine unit 511.
Described first searches unit 58, for searching the credit scoring of debtor in credit management data base, if finding, then performs second acquisition unit 59, if not finding, then performs second and determines unit 510.
Described second acquisition unit 59, for obtaining the borrowing rate corresponding with the credit scoring of described debtor from described credit management data base, as treating borrowing rate, and performs the 4th judging unit 512.
Described second determines unit 510, and the borrowing rate being used for specifying described financial structure is as treating borrowing rate, and performs described 4th judging unit 512.
Described first determines unit 511, for pointing out the borrowing rate of the borrowing rate that described user inputs debtor the debtor described user inputted as treating borrowing rate.
Described 4th judging unit 512, is used for judging whether described user selects cash-access, if so, performs the first processing unit 513, if it is not, perform the second processing unit 514.
Described first processing unit 513, is used for showing the cash-access page, and processes the deposit or the withdrawal that described user utilizes the described cash-access page to carry out, and perform the first generation unit 515.
Described second processing unit 514, is used for showing the bank transfer page, and processes the transferred account service that described user utilizes the described bank transfer page to carry out, and performs described first generation unit 515.
Described first generates unit 515, for according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement.
Memory element 516, is used for storing described loan agreement.
In the present embodiment, the personalized lending shown in Fig. 5 processes device and can also include: print unit 517, as shown in Figure 6.
Print unit 517, for when receiving the print request of user's input, printing described loan agreement.
In the present embodiment, the personalized lending shown in Fig. 5 processes device and can also include: second searches unit 518, authentication unit the 519, second generation unit 520 and alarm unit 521, as shown in Figure 7.
Second searches unit 518, for searching whether to include the certificate information that described identity is corresponding in digital certificate data storehouse, if so, performs described first judging unit 52, if it is not, perform authentication unit 519.
Described authentication unit 519, for utilizing identity recognition device to obtain the identification card number of described user, and utilizes the identification card number of described user to verify that whether the identity of described user is legal, if so, performs the second generation unit 520, if it is not, perform alarm unit 521.
Described second generates unit 520, for generating the certificate information of described user, the certificate information of the described user generated is stored in described digital certificate data storehouse, and returns the described second lookup unit of execution.
Described alarm unit 521, for alert.
Processing in device in above-mentioned personalized lending, collecting unit 53 specifically may include that the first reception subelement, the second reception subelement and first obtain subelement.
First receives subelement, for receiving the photo of the described user of photographic head shooting.
Second receives subelement, for receiving identification card number and the name of the described user that identity recognition device gets.
First obtains subelement, is used for pointing out described user to input contact method, and obtains the contact method of described user input.
Processing in device in above-mentioned personalized lending, answer unit 55 specifically may include that the 3rd reception subelement, converting unit and first return subelement.
3rd receives subelement, the phonetic problem solicited message that the described user got for receiving microphone utilizes described account management interface to input.
Converting unit, for being converted to word problem solicited message by described phonetic problem solicited message.
First returns subelement, for returning voice answer result or character solution result for described problem solicited message.
Wherein, the 3rd subelement, converting unit and the first return subelement are received for performing to receive the process of the problem solicited message that described user utilizes described account management interface to input.
Processing in device in above-mentioned personalized lending, answer unit 55 specifically may include that process subelement, first determine subelement, second determine subelement, search subelement, extract subelement and second return subelement.
Processing subelement, for the problem in described problem solicited message being carried out keyword extraction, keyword expansion and synonym extension, obtaining keyword extraction result, keyword expansion result and synonym spreading result.
First determines subelement, for determining the sentence pattern pattern of the problem in described problem solicited message according to keyword extraction result, keyword expansion result and synonym spreading result.
Second determines subelement, for determining answer type by described sentence pattern pattern.
Search subelement, for searching first Search Results corresponding with described keyword extraction result in each data base that described answer type is corresponding respectively.
Extract subelement, for first Search Results extracting answer from each described.
Second returns subelement, is used for returning described answer.
Wherein, process subelement, first determine subelement, second determine subelement, search subelement, extract subelement and second return subelement for perform for described problem solicited message return answer result process.
Embodiment five
In the present embodiment, it is provided that a kind of personalized lending processes system, it is possible to referring to Fig. 8, personalized lending processes system and includes: image processing apparatus 81, voice processing apparatus 82, identity recognition device 83 and personalized lending process device 84.
Personalized lending processes the concrete structure of device 84 and refers to the personalized lending process device shown in embodiment four, does not repeat them here.
In the present embodiment, image processing apparatus 81, for shooting the photo of user, and the photo of user is sent to described personalized lending process device 84.
Described identity recognition device 83, for identifying the identity card of described user, obtains identification card number and the name of described user, and sends identification card number and the described name of described user to described personalized lending process device 84.
Described voice processing apparatus 82, for obtaining the phonetic problem solicited message of described user, and described phonetic problem solicited message is converted to word problem solicited message, described word problem solicited message is sent to described personalized lending process device, and return the voice answer result that described personalized lending process device 84 returns for problem solicited message in the form of speech.
It should be noted that each embodiment in this specification all adopts the mode gone forward one by one to describe, what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar part mutually referring to.For device class embodiment, due to itself and embodiment of the method basic simlarity, so what describe is fairly simple, relevant part illustrates referring to the part of embodiment of the method.
Finally, it can further be stated that, in this article, the relational terms of such as first and second or the like is used merely to separate an entity or operation with another entity or operating space, and not necessarily requires or imply the relation that there is any this reality between these entities or operation or sequentially.And, term " includes ", " comprising " or its any other variant are intended to comprising of nonexcludability, so that include the process of a series of key element, method, article or equipment not only include those key elements, but also include other key elements being not expressly set out, or also include the key element intrinsic for this process, method, article or equipment.When there is no more restriction, statement " including ... " key element limited, it is not excluded that there is also other identical element in including the process of described key element, method, article or equipment.
Above a kind of personalized lending processing method provided herein, Apparatus and system are described in detail, principle and the embodiment of the application are set forth by specific case used herein, and the explanation of above example is only intended to help and understands the present processes and core concept thereof；Simultaneously for one of ordinary skill in the art, according to the thought of the application, all will change in specific embodiments and applications, in sum, this specification content should not be construed as the restriction to the application.
Claims (14)
1. a personalized lending processing method, it is characterised in that including:
A: when user asks to log in, obtain the identity of user's input；
B: judge that in personal account data base, whether the user basic information corresponding with described identity of storage be complete, if it is not, perform step C, if so, perform step D；
C: gather the essential information that described user does not store in described personal account data base, and the essential information collected is stored in the user basic information that described identity is corresponding, and return execution step B；
D: judge whether to receive the Loan Demand information of described user input, if it is not, perform step E, if so, performs step F；
E: display account management interface, and receive the problem solicited message that described user utilizes described account management interface to input, returning answer result for described problem solicited message, described problem solicited message includes asset search, guarantee inquiry, credit record inquiry or finance law knowledge query；
F: pointing out described user to input loan information, and receive the loan information that described user inputs, described loan information at least includes credit amount and the essential information of another counterparty corresponding with described user；
G: judge whether described user selects to borrow or lend money to financial institution, if so, performs step H, if it is not, perform step K；
H: search the credit scoring of debtor in credit management data base, if finding, then performs step I, if not finding, then performs step J；
I: obtain the borrowing rate corresponding with the credit scoring of described debtor from described credit management data base, as treating borrowing rate, and perform step L；
J: the borrowing rate described financial structure specified is as treating borrowing rate, and performs step L；
K: point out the borrowing rate of the borrowing rate that described user inputs debtor the debtor described user inputted as treating borrowing rate；
L: judge whether described user selects cash-access, if so, performs step M, if it is not, perform step O；
M: the display cash-access page, and process the deposit or the withdrawal that described user utilizes the described cash-access page to carry out, and perform step N；
N: according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement, and store described loan agreement；
O: the display bank transfer page, and process the transferred account service that described user utilizes the described bank transfer page to carry out, and perform step N.
2. method according to claim 1, it is characterized in that, according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement, and after storing described loan agreement, also include:
When receiving the print request of user's input, print described loan agreement.
3. method according to claim 1, it is characterised in that when user asks to log in, the identity obtaining user's input also includes:
P: search whether to include the certificate information that described identity is corresponding in digital certificate data storehouse, if so, performs step B, if it is not, perform step Q；
Q: utilize identity recognition device to obtain the identification card number of described user, and utilize the identification card number of described user to verify that whether the identity of described user is legal, if so, perform step R, if it is not, perform step S；
R: generate the certificate information of described user, is stored in the certificate information of the described user generated described digital certificate data storehouse, and returns execution step P；
S: alert.
4. the method according to claim 1-3 any one, it is characterised in that described identity includes: identification card number or bank's card number；
User basic information corresponding to described identity includes: name, contact method, identification card number or photo.
5. method according to claim 4, it is characterised in that gather the process of the essential information that described user does not store in described personal account data base, including:
Receive the photo of the described user of photographic head shooting；
And/or, receive identification card number and the name of the described user that identity recognition device gets；
And/or, point out described user to input contact method, and obtain the contact method of described user input.
6. the method according to claim 1-3 any one, it is characterised in that the described user of described reception utilizes the process of the problem solicited message that described account management interface inputs, including:
The phonetic problem solicited message that the described user that reception microphone gets utilizes described account management interface to input；
Described phonetic problem solicited message is converted to word problem solicited message；
The described process returning answer result for described problem solicited message, including:
Voice answer result or character solution result is returned for described problem solicited message.
7. the method according to claim 1-3 any one, it is characterised in that the described process returning answer result for described problem solicited message, including:
Problem in described problem solicited message is carried out keyword extraction, keyword expansion and synonym extension, obtains keyword extraction result, keyword expansion result and synonym spreading result；
The sentence pattern pattern of problem in described problem solicited message is determined according to keyword extraction result, keyword expansion result and synonym spreading result；
Answer type is determined by described sentence pattern pattern；
Each data base that described answer type is corresponding searches first Search Results respectively corresponding with described keyword extraction result；
From the first Search Results each described, extract answer, and return described answer.
8. a personalized lending processes device, it is characterised in that including:
First acquiring unit, for when user asks to log in, obtaining the identity of user's input；
First judging unit, for judging that in personal account data base, whether the user basic information corresponding with described identity of storage be complete, if it is not, perform collecting unit, if so, performs the second judging unit；
Described collecting unit, for gathering the essential information that described user does not store in described personal account data base, and stores the essential information collected in the user basic information that described identity is corresponding, and returns described first judging unit of execution；
Described second judging unit, for judging whether to receive the Loan Demand information of described user input, if it is not, executive problem answer unit, if so, performs the first reception unit；
Described answer unit, for showing account management interface, and receive the problem solicited message that described user utilizes described account management interface to input, returning answer result for described problem solicited message, described problem solicited message includes asset search, guarantee inquiry, credit record inquiry or finance law knowledge query；
Described first receives unit, is used for pointing out described user to input loan information, and receives the loan information that described user inputs, and described loan information at least includes credit amount and the essential information of another counterparty corresponding with described user；
3rd judging unit, is used for judging whether described user selects to borrow or lend money to financial institution, if so, performs the first lookup unit, if it is not, perform first to determine unit；
Described first searches unit, for searching the credit scoring of debtor in credit management data base, if finding, then performs second acquisition unit, if not finding, then performs second and determines unit；
Described second acquisition unit, for obtaining the borrowing rate corresponding with the credit scoring of described debtor from described credit management data base, as treating borrowing rate, and performs the 4th judging unit；
Described second determines unit, and the borrowing rate being used for specifying described financial structure is as treating borrowing rate, and performs described 4th judging unit；
Described first determines unit, for pointing out the borrowing rate of the borrowing rate that described user inputs debtor the debtor described user inputted as treating borrowing rate；
Described 4th judging unit, is used for judging whether described user selects cash-access, if so, performs the first processing unit, if it is not, perform the second processing unit；
Described first processing unit, is used for showing the cash-access page, and processes the deposit or the withdrawal that described user utilizes the described cash-access page to carry out, and perform the first generation unit；
Described second processing unit, is used for showing the bank transfer page, and processes the transferred account service that described user utilizes the described bank transfer page to carry out, and performs described first generation unit；
Described first generates unit, for according to described loan information, described in treat the user basic information corresponding with described identity of storage in borrowing rate and described personal account data base, generate loan agreement；
Memory element, is used for storing described loan agreement.
9. device according to claim 8, it is characterised in that also include:
Print unit, for when receiving the print request of user's input, printing described loan agreement.
10. device according to claim 8, it is characterised in that also include:
Second searches unit, for searching whether to include the certificate information that described identity is corresponding in digital certificate data storehouse, if so, performs described first judging unit, if it is not, perform authentication unit；
Described authentication unit, for utilizing identity recognition device to obtain the identification card number of described user, and utilizes the identification card number of described user to verify that whether the identity of described user is legal, if so, performs the second generation unit, if it is not, perform alarm unit；
Described second generates unit, for generating the certificate information of described user, the certificate information of the described user generated is stored in described digital certificate data storehouse, and returns the described second lookup unit of execution；
Described alarm unit, for alert.
11. the device described in-10 any one according to Claim 8, it is characterised in that described collecting unit includes:
First receives subelement, for receiving the photo of the described user of photographic head shooting；
Second receives subelement, for receiving identification card number and the name of the described user that identity recognition device gets；
First obtains subelement, is used for pointing out described user to input contact method, and obtains the contact method of described user input.
12. the device described in-10 any one according to Claim 8, it is characterised in that described answer unit includes:
3rd receives subelement, the phonetic problem solicited message that the described user got for receiving microphone utilizes described account management interface to input；
Converting unit, for being converted to word problem solicited message by described phonetic problem solicited message；
First returns subelement, for returning voice answer result or character solution result for described problem solicited message.
13. the device described in-10 any one according to Claim 8, it is characterised in that described answer unit includes:
Processing subelement, for the problem in described problem solicited message being carried out keyword extraction, keyword expansion and synonym extension, obtaining keyword extraction result, keyword expansion result and synonym spreading result；
First determines subelement, for determining the sentence pattern pattern of the problem in described problem solicited message according to keyword extraction result, keyword expansion result and synonym spreading result；
Second determines subelement, for determining answer type by described sentence pattern pattern；
Search subelement, for searching first Search Results corresponding with described keyword extraction result in each data base that described answer type is corresponding respectively；
Extract subelement, for first Search Results extracting answer from each described；
Second returns subelement, is used for returning described answer.
14. a personalized lending processes system, it is characterised in that including: image processing apparatus, voice processing apparatus, identity recognition device and the personalized lending as described in claim 8-13 any one process device；
Described image processing apparatus, for shooting the photo of user, and sends the photo of user to described personalized lending process device；
Described identity recognition device, for identifying the identity card of described user, obtains identification card number and the name of described user, and sends identification card number and the described name of described user to described personalized lending process device；
Described voice processing apparatus, for obtaining the phonetic problem solicited message of described user, and described phonetic problem solicited message is converted to word problem solicited message, described word problem solicited message is sent to described personalized lending process device, and return the voice answer result that described personalized lending process device returns for problem solicited message in the form of speech.
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