CN106960385A - Net borrows management method, device and readable storage medium storing program for executing - Google Patents
Net borrows management method, device and readable storage medium storing program for executing Download PDFInfo
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- CN106960385A CN106960385A CN201710237292.4A CN201710237292A CN106960385A CN 106960385 A CN106960385 A CN 106960385A CN 201710237292 A CN201710237292 A CN 201710237292A CN 106960385 A CN106960385 A CN 106960385A
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- G—PHYSICS
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- 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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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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Abstract
The present invention provides a kind of net and borrows management method, device and readable storage medium storing program for executing.The application request that client end response user is provided a loan on the net, obtains subscriber identity information, starts message audit acknowledgement window on the display interface of client.Client end response user in described information examines acknowledgement window examine the operation of confirmation, the information of making out an invoice of user is obtained based on the subscriber identity information, and subscriber identity information and information of making out an invoice are sent into server.Server obtains the tax information of user based on the subscriber identity information.Server is based on making out an invoice information and tax information is examined the economic situation of user described in acquisition.Thus, this programme can provide the reference frame of true and reliable user's financial condition for bank, reduce the examination ＆ verification difficulty of bank, save bank's examination ＆ verification spent time and energy.
Description
Technical field
The present invention relates to areas of information technology, management method, device and readable storage medium are borrowed in particular to one kind net
Matter.
Background technology
With continuing to develop for science and technology, it is more convenient that online loan is provided compared to being provided a loan under line for people.
However, in existing network loan pattern, the financial condition of user is voluntarily provided by the user of application loan, and user voluntarily carries
The data of confession are not necessarily genuine and believable, can not necessarily react the truth of user's economy.Bank is in the economic shape to user
, it is necessary to spend more energy to carry out extensive investigation when condition is audited, take time and effort.
The content of the invention
In order to overcome above-mentioned deficiency of the prior art, the present invention provides a kind of net and borrows management method, and it can be bank
The reference frame of true and reliable user's financial condition is provided, the examination ＆ verification difficulty of bank is reduced, the spent energy of examination ＆ verification is saved.
The first object of the present invention is to provide a kind of net to borrow management method, borrows management system applied to net, the net is borrowed
Management system includes the client and server for being in communication with each other connection, and the net, which borrows management method, to be included：
The application request that the client end response user is provided a loan on the net, obtains subscriber identity information, in the client
Start message audit acknowledgement window on the display interface at end；
The client end response user in described information examines acknowledgement window examine the operation of confirmation, based on described
Subscriber identity information obtains the information of making out an invoice of user, and subscriber identity information and information of making out an invoice are sent into server；
The server obtains the tax information of user based on the subscriber identity information；
The server based on making out an invoice information described in acquisition and tax information is examined the economic situation of user, its
In, the economic situation includes management state, financial condition or the credit standing of user.
The second object of the present invention is to provide a kind of net to borrow management method, applied to the client being connected with server communication
End, methods described includes：
The application request that response user is provided a loan on the net, obtains subscriber identity information, in display circle of the client
Start message audit acknowledgement window on face；
The operation that user in described information examines acknowledgement window examine confirmation is responded, based on user identity letter
Breath obtains the information of making out an invoice of user, and subscriber identity information and information of making out an invoice are sent into server, so that the server is complete
The operation that the economic situation of paired user is examined and judged the loan qualification of user；
The judged result for user's loan qualification that the server is sent is received, and is shown to user.
The third object of the present invention is to provide a kind of net to borrow management method, applied to the service being connected with client communication
Device, methods described includes：
Receive subscriber identity information and information of making out an invoice that the client is sent；
The tax information of user is obtained based on the subscriber identity information；
Based on making out an invoice information described in acquisition and tax information is examined the economic situation of user, wherein, the warp
Ji situation includes management state, financial condition or the credit standing of user；
Loan qualification of the examination result based on user's economic situation to the user judges, and will determine that result is sent
To client to be shown to user.
The fourth object of the present invention is to provide a kind of net to borrow managing device, applied to the client being connected with server communication
End, described device includes：
Identity acquisition module, for responding the application request that user is provided a loan on the net, obtains subscriber identity information, in institute
State startup message audit acknowledgement window on the display interface of client；
Make out an invoice acquisition module, in described information examines acknowledgement window examine the operation of confirmation for responding user,
The information of making out an invoice of user is obtained based on the subscriber identity information, and subscriber identity information and information of making out an invoice are sent to service
Device, so that the behaviour that the server is completed to examine the economic situation of user and judged the loan qualification of user
Make；
First receiver module, for receiving the judged result for user's loan qualification that the server is sent, and is shown to
User.
The fifth object of the present invention is to provide a kind of net to borrow managing device, applied to the service being connected with client communication
Device, described device includes：
Second receiver module, for receiving subscriber identity information and the information of making out an invoice that the client is sent；
Tax acquisition module, the tax information for obtaining user based on the subscriber identity information；
Module is examined, for based on making out an invoice information described in acquisition and tax information is examined the economic situation of user
Look into, wherein, the economic situation includes management state, financial condition or the credit standing of user；
Judge module, judges the loan qualification of the user for the examination result based on user's economic situation, and
It will determine that result is sent to client to be shown to user.
The sixth object of the present invention is to provide a kind of readable storage medium storing program for executing, and the readable storage medium storing program for executing includes computer journey
Sequence：
It is any one during terminal device execution is above-mentioned where controlling the readable storage medium storing program for executing during computer program operation
Net described in borrows management method.
In terms of existing technologies, the invention has the advantages that：
The present invention provides a kind of net and borrows management method, device and readable storage medium storing program for executing.The net borrows management method, is applied to
Net borrows management system, and the net borrows the client and server that management system includes being in communication with each other connection.The client end response
The application request that user is provided a loan on the net, obtains subscriber identity information, information is started on the display interface of the client
Examine acknowledgement window.The client end response user in described information examines acknowledgement window examine the operation of confirmation, base
The information of making out an invoice of user is obtained in the subscriber identity information, and subscriber identity information and information of making out an invoice are sent to server.
The server obtains the tax information of user based on the subscriber identity information.The server described in acquisition based on making out an invoice
Information and tax information examined the economic situation of user, wherein, the economic situation includes the management state of user, money
Golden situation or credit standing.Thus, this programme can provide the reference frame of true and reliable user's financial condition for bank, drop
The examination ＆ verification difficulty of low bank, saves bank's examination ＆ verification spent time and energy.
Brief description of the drawings
Technical scheme in order to illustrate more clearly the embodiments of the present invention, below will be attached to what is used needed for embodiment
Figure is briefly described, it will be appreciated that the following drawings illustrate only certain embodiments of the present invention, therefore is not construed as pair
The restriction of scope, for those of ordinary skill in the art, on the premise of not paying creative work, can also be according to this
A little accompanying drawings obtain other related accompanying drawings.
Fig. 1 is the block diagram that the net that present pre-ferred embodiments are provided borrows management system.
Fig. 2 is the block diagram for the client that present pre-ferred embodiments are provided.
Fig. 3 is the block diagram for the server that present pre-ferred embodiments are provided.
Fig. 4 borrows one of schematic flow sheet of management method for the net that first embodiment of the invention is provided.
The sub-step schematic flow sheet of step S110 shown in Fig. 4 that Fig. 5 provides for first embodiment of the invention.
The sub-step schematic flow sheet of step S120 shown in Fig. 4 that Fig. 6 provides for first embodiment of the invention.
The sub-step schematic flow sheet of step S130 shown in Fig. 4 that Fig. 7 provides for first embodiment of the invention.
Fig. 8 borrows the two of the schematic flow sheet of management method for the net that first embodiment of the invention is provided.
Fig. 9 borrows the step flow chart of management method for the net that second embodiment of the invention is provided.
Figure 10 borrows the step flow chart of management method for the net that third embodiment of the invention is provided.
Figure 11 borrows the block diagram of managing device for the first net that fourth embodiment of the invention is provided.
Figure 12 borrows the block diagram of managing device for the second net that fifth embodiment of the invention is provided.
Icon：10- nets borrow management system；100- clients；110- first memories；120- first processors；130-
One mixed-media network modules mixed-media；140- input blocks；150- display units；The nets of 200- first borrow managing device；210- identity acquisition modules；
220- makes out an invoice acquisition module；The receiver modules of 230- first；300- servers；310- second memories；320- second processing devices；
The mixed-media network modules mixed-medias of 330- second；The nets of 400- second borrow managing device；The receiver modules of 410- second；420- tax acquisition modules；430-
Examine module；440- judge modules；500- tax equipment；600- tax service devices.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is a part of embodiment of the invention, rather than whole embodiments.Generally herein
The component of the embodiment of the present invention described and illustrated in place's accompanying drawing can be arranged and designed with a variety of configurations.Therefore,
The detailed description of the embodiments of the invention to providing in the accompanying drawings is not intended to limit the model of claimed invention below
Enclose, but be merely representative of the selected embodiment of the present invention.Based on the embodiment in the present invention, those of ordinary skill in the art are not having
There is the every other embodiment made and obtained under the premise of creative work, belong to the scope of protection of the invention.
It should be noted that：Similar label and letter represents similar terms in following accompanying drawing, therefore, once a certain Xiang Yi
It is defined in individual accompanying drawing, then it further need not be defined and explained in subsequent accompanying drawing.Meanwhile, the present invention's
In description, term " first ", " second " etc. are only used for distinguishing description, and it is not intended that indicating or implying relative importance.
Below in conjunction with the accompanying drawings, some embodiments of the present invention are elaborated.It is following in the case where not conflicting
Feature in embodiment and embodiment can be mutually combined.
Referring to Fig. 1, the net that Fig. 1, which is present pre-ferred embodiments, to be provided borrows the block diagram of management system 10.It is described
Net, which borrows management system 10, to be included：Client 100, server 300, tax equipment 500 and tax service device 600.The client
100 are in communication with each other with the server 300 and are connected, and the client 100 is connected with the tax equipment 500, the server
300 communicate to connect with the tax service device 600.
In the present embodiment, be stored with the information of making out an invoice of user in the tax equipment 500, the tax equipment 500 with
Client 100 is connected, and client 100 can obtain the information of making out an invoice of user from the tax equipment 500.The tax equipment 500
It may be, but not limited to, Golden Taxes disk, tax control tray etc. are used for the equipment made out an invoice, declared dutiable goods.The Golden Taxes disk uses forgery prevention for value-added tax tax
Control system, can issue VAT invoice and value-added tax common invoice, it is adaptable to which battalion changes increasing model regions and industry is typically received
Tax people (except the taxpayer that cargo transport service is provided).The tax control tray uses carrying trade special invoice taxation control system,
Carrying trade VAT invoice and motor vehicle sale uniform invoice can be issued, it is adaptable to provide the one of cargo transport service
As taxpayer.
In the present embodiment, the tax service device 600 can be the server of the tax bureau, and the server 300 can lead to
Cross the operation such as authentication, purview certification to communicate to connect with the tax service device 600, believed with the tax that this gets user
Breath.
In the present embodiment, the client 100 may be, but not limited to, smart mobile phone, PC, panel computer,
Personal digital assistant, mobile internet surfing equipment etc..
Referring to Fig. 2, Fig. 2 is the block diagram for the client 100 that present pre-ferred embodiments are provided.The client
100 include：The net of first memory 110, first borrows managing device 200, first processor 120, first network module 130, input
Unit 140 and display unit 150.
The first memory 110, first processor 120, first network module 130, input block 140 and display unit
150 are directly or indirectly electrically connected with each other, to realize the transmission or interaction of data.For example, these elements are each other
It can be realized and be electrically connected with by one or more communication bus or signal wire.First net that is stored with first memory 110 borrows pipe
Device 200 is managed, first net borrows managing device 200 can be deposited including at least one in the form of software or firmware (firmware)
The software function module in the first memory 110 is stored in, the first processor 120 is stored in the first storage by operation
Software program and module in device 110, so as to perform various function application and data processing.
Wherein, the first memory 110 is used for storage program, and the first processor 120 is receiving execute instruction
Afterwards, described program is performed.Further, the software program and module in above-mentioned first memory 110 may also include operation system
System, it may include the various software groups for management system task (such as memory management, storage device control, power management)
Part and/or driving, and can be in communication with each other with various hardware or component software, so as to provide the running environment of other software component.
The first processor 120 can be a kind of IC chip, the disposal ability with signal.Can realize or
Person performs disclosed each method, step and the logic diagram in the embodiment of the present invention.
The first network module 130 is used to set up client 100 and external communications terminals (such as, service by network
Device 300) between communication connection, realize the transmitting-receiving operation of network signal and data.
The input block 140 can be supplied to the work of user's progress information input.The input block 140 can be with
It is, but is not limited to, mouse or keyboard etc..
The display unit 150 can provide an output and inputting interface simultaneously between client 100 and user.It is aobvious
Show that unit 150 is exported to user's display image, the content of these images output may include word, figure, video and its any group
Close.The display unit 150 can also receive the input of user, for example, the gesture operation such as the click of user, slip, so as to
The input at family is responded.The technology of detection user input can be based on resistance-type, condenser type or other are any possible
Touch control detection technology.The instantiation of the display unit 150 can include but is not limited to liquid crystal display or light-emissive polymer
Thing display.
It is appreciated that the structure described in Fig. 2 is only signal, client 100 may also include more more than shown in Fig. 2 or more
Few component, or with the configuration different from shown in Fig. 2.Each component shown in Fig. 2 can use hardware, software or its group
Close and realize.
Fig. 3 is refer to, Fig. 3 is the block diagram for the server 300 that present pre-ferred embodiments are provided.The server
300 include：Second memory 310, the mixed-media network modules mixed-media 330 of second processing device 320 and second.
Second net that is stored with the second memory 310 borrows managing device 400, and second net borrows managing device 400
The software function in the second memory 310 can be stored in the form of software or firmware (firmware) including at least one
Module.
Wherein, the second memory 310, the mixed-media network modules mixed-media 330 of second processing device 320 and second are deposited with first in Fig. 2
The hardware configuration of reservoir 110, first processor 120 and first network module 130 is identical, just no longer introduces one by one herein.
First embodiment
Referring to Fig. 4, Fig. 4 borrows one of schematic flow sheet of management method for the net that first embodiment of the invention is provided.Institute
State net and borrow management method applied to net loan management system 10, the net borrows client of the management system 10 including being in communication with each other connection
100 and server 300.The idiographic flow that the net borrows management method is as follows：
Step S110, the application request that the response of client 100 user is provided a loan on the net obtains user identity letter
Breath, starts message audit acknowledgement window on the display interface of the client 100.
Referring to Fig. 5, the sub-step flow of the step S110 shown in Fig. 4 that Fig. 5 provides for first embodiment of the invention is shown
It is intended to.
Sub-step S111, the response user of client 100 carries out the selection of loan application in loan administration display interface
Operation, shows that loan application fills in window on display interface.
In the present embodiment, the loan administration display interface can include multiple visualization icons related to loan.
The response of client 100 needs the user for applying for loan to be selected in the loan administration display interface loan application icon
The operation selected, starts the window that loan application is filled in, so that user fills in and applied in loan application table on display interface
The user profile for correlation of providing a loan.
Sub-step S112, the client 100 obtains user and fills in the loan application that window is filled in the loan application
Table, obtains subscriber identity information.
In the present embodiment, the content that the loan application table needs user to fill in includes：User's name, the legal person of user
Representative, the identity information of user legal representative, the telephone number of user legal representative, the user's registration time limit, user are paid taxes the time limit
And handler's information etc..In addition to above- mentioned information is filled in, user can also upload the annex data related to loan application.The visitor
The response user of family end 100 has filled in the operation that application is submitted after the loan application table, and is obtained based on the loan application table
Subscriber identity information.
Sub-step S113, the client 100 starts message audit acknowledgement window on display interface.
In the present embodiment, the client 100 detects user and the loan application table is clicked on after the operation submitted,
Display information it can examine acknowledgement window to be confirmed whether to agree to enter the economic situation of the user to the user on display interface
Row is examined.Wherein, described information examines that acknowledgement window is shown to the information of user and included：Agree to carry out the economic situation of user
The confirmation of examination, and need the information to loan user's statement.Wherein, the information to loan user's statement can be with
Include, but are not limited to herein below：
1. user agrees to be used as the foundation got a bank loan using this loan application table and other annex data；
2. through bank reviews, the terms of loan against regulation and when not accepting loan application, user is without demur；
3. user's guarantee is obtained after loan, pay the principal and interest on the loan in full amount on time.
Step S120, the response user of client 100 carries out examining confirmation in described information examines acknowledgement window
Operation, the information of making out an invoice of user is obtained based on the subscriber identity information, and subscriber identity information and information of making out an invoice are sent to
Server 300.
Referring to Fig. 6, the sub-step flow of the step S120 shown in Fig. 4 that Fig. 6 provides for first embodiment of the invention is shown
It is intended to.
Sub-step S121, the response user of client 100 examines described information the operation that acknowledgement window is confirmed,
Obtain the confirmation that user agrees to carry out means test.
Sub-step S122, the client 100 obtains user's based on the subscriber identity information from tax equipment 500
Make out an invoice information.
In the present embodiment, preserved in the tax equipment 500 and the user-related information of making out an invoice.The client
100 are connected with the tax equipment 500, and the client 100 can obtain making out an invoice for the user based on the subscriber identity information
Information.
The subscriber identity information and information of making out an invoice are sent to server 300 by sub-step S123, the client 100.
In the present embodiment, the client 100 is communicated to connect with the server 300, and the client 100 will be described
Subscriber identity information and information of making out an invoice are sent to the server 300, so that the server 300 can be to the economy of the user
Situation is examined.
Step S130, the server 300 obtains the tax information of user based on the subscriber identity information.
Referring to Fig. 7, the sub-step flow of the step S130 shown in Fig. 4 that Fig. 7 provides for first embodiment of the invention is shown
It is intended to.
Sub-step S131, the server 300 receives the subscriber identity information and the letter of making out an invoice that client 100 is sent
Breath.
Sub-step S132, the server 300 is based on the subscriber identity information and obtains the user from tax service device 600
Tax information.
In the present embodiment, the server 300 is communicated to connect with the tax service device 600, the tax service device
600 tax informations for being stored with the user.The server 300 can according to application loan the user subscriber identity information from
Tax information corresponding with the user is obtained in the tax service device 600.
Step S140, the server 300 is based on the economic shape of information and tax information to user of being made out an invoice described in acquisition
Condition is examined.
In the present embodiment, the server 300 makes out an invoice information according to the user and tax information examines the use
The economic situation at family.Wherein, the economic situation includes：Management state, financial condition or credit standing.The server 300
Any one in the management state, financial condition or credit standing of the user or combination can be examined according to the actual requirements
Look into.
In the present embodiment, because the tax information of user is provided by tax service device 600, user's funds data is added
The confidence level of information and management data information, reduces the examination difficulty of server 300, saves and examines energy.
Referring to Fig. 8, Fig. 8 borrows the two of the schematic flow sheet of management method for the net that first embodiment of the invention is provided.Institute
Stating net loan management method also includes：
Step S150, loan qualification of the examination result of the server 300 based on user's economic situation to the user is entered
Row judges, and will determine that result is sent to client 100 to be shown to user.
In the present embodiment, the server 300 judges the economy of the user according to the examination result of user's economic situation
Whether situation is normal, if possess the qualification got a bank loan, and true and reliable reference frame is provided for bank.Also, it is described
Server 300 can will determine that result sends back client 100 so that client 100 by display interface by loan application examine
Judgment result displays are looked into user, to inform the reason for user's loan application fails.
Second embodiment
Fig. 9 is refer to, Fig. 9 borrows the step flow chart of management method for the net that second embodiment of the invention is provided.The side
Method is applied to the client 100 communicated to connect with server 300.
The embodiment of the present invention provides a kind of readable storage medium storing program for executing, and the readable storage medium storing program for executing includes computer program, described
When computer program is run, the client 100 where controlling the readable storage medium storing program for executing performs the net and borrows management method.It is described
It is as follows that net borrows management method idiographic flow：
Step S210, the application request that response user is provided a loan on the net, obtains subscriber identity information, in the client
Start message audit acknowledgement window on 100 display interface.
Step S220, response user in described information examines acknowledgement window examine the operation of confirmation, based on described
Subscriber identity information obtains the information of making out an invoice of user, and subscriber identity information and information of making out an invoice are sent into server 300, so that
The operation that the server 300 is completed to examine the economic situation of user and judged the loan qualification of user.
Step S230, receives the judged result for user's loan qualification that the server 300 is sent, and is shown to user.
In the present embodiment, the specific introduction on step S210, step S220 and step S230 refers to the first implementation
Description in example to step S110, step S120 and step S150.
3rd embodiment
Figure 10 is refer to, Figure 10 borrows the step flow chart of management method for the net that third embodiment of the invention is provided.It is described
Method is applied to the server 300 communicated to connect with client 100.
The embodiment of the present invention provides a kind of readable storage medium storing program for executing, and the readable storage medium storing program for executing includes computer program, described
Server 300 where computer program controls the readable storage medium storing program for executing when running performs the net loan management method.It is described
It is as follows that net borrows management method idiographic flow：
Step S310, receives subscriber identity information and information of making out an invoice that the client 100 is sent.
Step S320, the tax information of user is obtained based on the subscriber identity information.
Step S330, based on making out an invoice information described in acquisition and tax information is examined the economic situation of user, its
In, the economic situation includes management state, financial condition or the credit standing of user.
Step S340, loan qualification of the examination result based on user's economic situation to the user judges, and will sentence
Disconnected result is sent to client 100 to be shown to user.
In the present embodiment, the specific introduction on step S310, step S320, step S330 and step S340 is referred to
To step S130, step S140 and step S150 description in first embodiment.
Fourth embodiment
Figure 11 is refer to, Figure 11 borrows the square frame signal of managing device 200 for the first net that fourth embodiment of the invention is provided
Figure.First net borrows the client 100 that managing device 200 is applied to communicate to connect with server 300, and described device includes：
Identity acquisition module 210, the receiver module 230 of acquisition module 220 and first of making out an invoice.
The identity acquisition module 210, for responding the application request that user is provided a loan on the net, obtains user identity letter
Breath, starts message audit acknowledgement window on the display interface of the client 100.
In the present embodiment, the identity acquisition module 210 is used to perform the step S110 in Fig. 4, on the identity
The specific descriptions of acquisition module 210 are referred to step S110 description.
The acquisition module 220 of making out an invoice, for responding user's progress examination confirmation in described information examines acknowledgement window
Operation, the information of making out an invoice of user is obtained based on the subscriber identity information, and subscriber identity information and information of making out an invoice are sent
To server 300, so that the server 300 completes to examine the economic situation of user and the loan qualification of user is entered
The operation that row judges.
In the present embodiment, the acquisition module 220 of making out an invoice is used to perform the step S120 in Fig. 4, is made out an invoice on described
The specific descriptions of acquisition module 220 are referred to step S120 description.
First receiver module 230, the judgement knot for receiving user's loan qualification that the server 300 is sent
Really, and it is shown to user.
5th embodiment
Figure 12 is refer to, Figure 12 borrows the square frame signal of managing device 400 for the second net that fifth embodiment of the invention is provided
Figure.Second net borrows the server 300 that managing device 400 is applied to communicate to connect with client 100, and described device includes：
Second receiver module 410, tax acquisition module 420, examination module 430 and judge module 440.
Second receiver module 410, for receiving subscriber identity information and the letter of making out an invoice that the client 100 is sent
Breath.
The tax acquisition module 420, the tax information for obtaining user based on the subscriber identity information.
In the present embodiment, the tax acquisition module 420 is used to perform the step S130 in Fig. 4, on the tax
The specific descriptions of acquisition module 420 are referred to step S130 description.
The examination module 430, for based on the economic situation of information and tax information to user of being made out an invoice described in acquisition
Examined, wherein, the economic situation includes management state, financial condition or the credit standing of user.
In the present embodiment, it is described to examine that module 430 is used to perform the step S140 in Fig. 4, on the examination module
430 specific descriptions are referred to step S140 description.
The judge module 440, is carried out for the examination result based on user's economic situation to the loan qualification of the user
Judge, and will determine that result is sent to client 100 to be shown to user.
In the present embodiment, the judge module 440 is used to perform the step S150 in Fig. 8, on the judge module
440 specific descriptions are referred to step S150 description.
In summary, the present invention provides a kind of net and borrows management method, device and readable storage medium storing program for executing.The net borrows manager
Method, management system is borrowed applied to net, and the net borrows the client and server that management system includes being in communication with each other connection.The visitor
The application request that family end response user is provided a loan on the net, obtains subscriber identity information, on the display interface of the client
Start message audit acknowledgement window.The client end response user carries out examining confirmation in described information examines acknowledgement window
Operation, the information of making out an invoice of user is obtained based on the subscriber identity information, and subscriber identity information and information of making out an invoice are sent to
Server.The server obtains the tax information of user based on the subscriber identity information.The server is based on acquisition
It is described to make out an invoice information and tax information is examined the economic situation of user, wherein, the economic situation includes the warp of user
Battalion's situation, financial condition or credit standing.
This programme obtains the information of making out an invoice of user based on tax equipment, and the tax letter of user is obtained based on tax service device
Breath, the reference frame thus, it is possible to provide true and reliable user's financial condition for bank reduces the examination ＆ verification difficulty of bank, saves
Bank's examination ＆ verification spent time and energy.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the invention, for the skill of this area
For art personnel, the present invention can have various modifications and variations.Within the spirit and principles of the invention, that is made any repaiies
Change, equivalent, improvement etc., should be included within the scope of the present invention.
Claims (10)
1. one kind net borrows management method, management system is borrowed applied to net, the net, which borrows management system, to be included being in communication with each other connection
Client and server, it is characterised in that the net, which borrows management method, to be included：
The application request that the client end response user is provided a loan on the net, obtains subscriber identity information, in the client
Start message audit acknowledgement window on display interface；
The client end response user in described information examines acknowledgement window examine the operation of confirmation, based on the user
Identity information obtains the information of making out an invoice of user, and subscriber identity information and information of making out an invoice are sent into server；
The server obtains the tax information of user based on the subscriber identity information；
The server based on making out an invoice information described in acquisition and tax information is examined the economic situation of user, wherein,
The economic situation includes management state, financial condition or the credit standing of user.
2. according to the method described in claim 1, it is characterised in that the application that the client end response user is provided a loan on the net
Request, obtains subscriber identity information, and the step of starting message audit acknowledgement window on the display interface of the client includes：
The client end response user carries out the selection operation of loan application in loan administration display interface, shows on display interface
Show that loan application fills in window；
The client obtains user and fills in the loan application table that window is filled in the loan application, obtains user identity letter
Breath；
The client starts message audit acknowledgement window on display interface, wherein, described information examines that acknowledgement window is shown
Information to user includes：Agree to the confirmation examined the economic situation of user.
3. method according to claim 2, it is characterised in that the net, which borrows management system, also includes tax equipment, described
Client is connected with the tax equipment, and the client end response user examines described information the behaviour that acknowledgement window is confirmed
Make, the information of making out an invoice of user is obtained based on the subscriber identity information, and subscriber identity information and information of making out an invoice are sent to clothes
The step of business device, includes：
The client end response user examines described information the operation that is confirmed of acknowledgement window, and acquisition user is agreed into passing through
The confirmation that Ji situation is examined；
The client obtains the information of making out an invoice of user based on the subscriber identity information from the tax equipment；
The subscriber identity information and information of making out an invoice are sent to server by the client.
4. method according to claim 3, it is characterised in that the net, which borrows management system, also includes tax service device, institute
State server to communicate to connect with the tax service device, the server obtains the tax of user based on the subscriber identity information
The step of information, includes：
The server receives the subscriber identity information and the information of making out an invoice that client is sent；
The server obtains the tax information of the user based on the subscriber identity information from the tax service device, wherein,
The tax service device is stored with tax information corresponding with the subscriber identity information.
5. according to the method described in claim 1, it is characterised in that methods described also includes：
Loan qualification of examination result of the server based on user's economic situation to the user judges, and will determine that knot
Fruit is sent to client to be shown to user.
6. one kind net borrows management method, applied to the client being connected with server communication, it is characterised in that methods described bag
Include：
The application request that response user is provided a loan on the net, obtains subscriber identity information, on the display interface of the client
Start message audit acknowledgement window；
The operation that user in described information examines acknowledgement window examine confirmation is responded, is obtained based on the subscriber identity information
The information of making out an invoice at family is taken, and subscriber identity information and information of making out an invoice are sent to server, so that server completion pair
The operation that the economic situation of user is examined and judged the loan qualification of user；
The judged result for user's loan qualification that the server is sent is received, and is shown to user.
7. one kind net borrows management method, applied to the server being connected with client communication, it is characterised in that methods described bag
Include：
Receive subscriber identity information and information of making out an invoice that the client is sent；
The tax information of user is obtained based on the subscriber identity information；
Based on making out an invoice information described in acquisition and tax information is examined the economic situation of user, wherein, the economic shape
Condition includes management state, financial condition or the credit standing of user；
Loan qualification of the examination result based on user's economic situation to the user judges, and will determine that result is sent to visitor
Family end is to be shown to user.
8. one kind net borrows managing device, applied to the client being connected with server communication, it is characterised in that described device bag
Include：
Identity acquisition module, for responding the application request that user is provided a loan on the net, obtains subscriber identity information, in the visitor
Start message audit acknowledgement window on the display interface at family end；
Make out an invoice acquisition module, in described information examines acknowledgement window examine the operation of confirmation for responding user, be based on
The subscriber identity information obtains the information of making out an invoice of user, and subscriber identity information and information of making out an invoice are sent into server, with
The operation for making the server complete to examine the economic situation of user and be judged the loan qualification of user；
First receiver module, for receiving the judged result for user's loan qualification that the server is sent, and is shown to user.
9. one kind net borrows managing device, applied to the server being connected with client communication, it is characterised in that described device bag
Include：
Second receiver module, for receiving subscriber identity information and the information of making out an invoice that the client is sent；
Tax acquisition module, the tax information for obtaining user based on the subscriber identity information；
Module is examined, for based on making out an invoice information described in acquisition and tax information is examined the economic situation of user, its
In, the economic situation includes management state, financial condition or the credit standing of user；
Judge module, judges the loan qualification of the user, and will sentence for the examination result based on user's economic situation
Disconnected result is sent to client to be shown to user.
10. a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing includes computer program, it is characterised in that：
Terminal device perform claim where controlling the readable storage medium storing program for executing during computer program operation requires any in 6-7
Net described in one borrows management method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201710237292.4A CN106960385A (en) | 2017-04-12 | 2017-04-12 | Net borrows management method, device and readable storage medium storing program for executing |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710237292.4A CN106960385A (en) | 2017-04-12 | 2017-04-12 | Net borrows management method, device and readable storage medium storing program for executing |
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| CN106960385A true CN106960385A (en) | 2017-07-18 |
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| CN201710237292.4A Pending CN106960385A (en) | 2017-04-12 | 2017-04-12 | Net borrows management method, device and readable storage medium storing program for executing |
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| CN107895239A (en) * | 2017-12-08 | 2018-04-10 | 平安科技（深圳）有限公司 | Video face dispatch work method, apparatus, equipment and readable storage medium storing program for executing |
| CN109166029A (en) * | 2018-07-26 | 2019-01-08 | 上海分壳信息技术股份有限公司 | Debt-credit qualification process, system and the storage medium of credit data are obtained on line |
| CN109508949A (en) * | 2018-10-09 | 2019-03-22 | 四川航天信息有限公司 | A kind of credit Methods of initial evaluation of sci-tech and device |
| CN109886799A (en) * | 2019-01-22 | 2019-06-14 | 上海上湖信息技术有限公司 | A kind of real-time method and system predicted and show loaning bill success rate |
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