CN107871280A - Loan administration method, application server and computer-readable storage medium - Google Patents
Loan administration method, application server and computer-readable storage medium Download PDFInfo
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- CN107871280A CN107871280A CN201710916219.XA CN201710916219A CN107871280A CN 107871280 A CN107871280 A CN 107871280A CN 201710916219 A CN201710916219 A CN 201710916219A CN 107871280 A CN107871280 A CN 107871280A
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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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Abstract
The invention discloses a kind of loan administration method, this method includes：When receiving the loan requests of mobile terminal transmission, generation loan list；According to the loan list extraction user profile, and the user profile is audited；When user profile examination ＆ verification passes through, feedback electronic Loan Agreement to mobile terminal；When receiving the signed Loan Agreement of mobile terminal transmission, operation of making loans is performed.The present invention also provides a kind of application server and computer-readable recording medium.Application server, loan administration method and computer-readable recording medium provided by the invention can be rapidly completed polytype loan, improve Consumer's Experience.
Description
Technical field
The present invention relates to financial communication field, more particularly to a kind of loan administration method and application server.
Background technology
With the rapid development of economy, loan transaction is also popularized therewith.Loan administration system is each mechanism handle credit
The necessary instrument of class product, complete the functions such as C-terminal client application, B terminal structure risk managements.Lead in the market without ripe
With product, mechanism is helped quickly to realize the one continuous line clothes determined from loan application, loan air control, signal auditing and loan limit
Business.
The content of the invention
In view of this, the present invention proposes a kind of loan administration method and application server, can load external data, provides a loan
Management, improve Consumer's Experience.
First, to achieve the above object, the present invention proposes a kind of application server, and the application server includes storage
Device, processor, the loan administration system that can be run on the processor, the loan administration system are stored with the memory
Following steps are realized when system is by the computing device：
When receiving the loan requests of mobile terminal transmission, generation loan list；
According to the loan list extraction user profile, and the user profile is audited；
When user profile examination ＆ verification passes through, feedback electronic Loan Agreement to mobile terminal；
When receiving the signed Loan Agreement of mobile terminal transmission, operation of making loans is performed.
Alternatively, it is described when receiving the loan requests of mobile terminal transmission, generate the step of providing a loan list, specific bag
Include：
The loan requests are analyzed, determine loan types；
According to the mapping relations of the loan template list stored in the loan types and the application server database,
The loan list that generation matches with the loan types.
Alternatively, it is described according to the loan list extraction user profile, and after being audited to the user profile,
Also comprise the following steps：
Set loan limit rule；And
The result audited according to user profile and loan limit rule determine the loan limit of the user.
Alternatively, it is described when receiving the signed Loan Agreement of mobile terminal transmission, perform the step for operation of making loans
Suddenly, specifically include：
Confirm whether the signed Loan Agreement meets regulation；
If after confirming that Loan Agreement meets regulation, sequence information is established；
The amount of money offer loans to the user account.
Alternatively, the loan administration system by the computing device when also realize following steps：
When user profile audits obstructed out-of-date, feedback auditing result to the mobile terminal；
When receiving user's side information of mobile terminal transmission, user's side information described in amended record；
The side information is audited.
In addition, to achieve the above object, the present invention also provides a kind of loan administration method, and this method is applied to application service
Device, methods described include：
When receiving the loan requests of mobile terminal transmission, generation loan list；
According to the loan list extraction user profile, and the user profile is audited；
When user profile examination ＆ verification passes through, feedback electronic Loan Agreement to mobile terminal；
When receiving the signed Loan Agreement of mobile terminal transmission, operation of making loans is performed.
Alternatively, it is described when receiving the loan requests of mobile terminal transmission, generate the step of providing a loan list, specific bag
Include：
The loan requests are analyzed, determine loan types；
According to the mapping relations of the loan template list stored in the loan types and the application server database,
The loan list that generation matches with the loan types.
Alternatively, it is described according to the loan list extraction user profile, and after being audited to the user profile,
Also comprise the following steps：
Set loan limit rule；And
The result audited according to user profile and loan limit rule determine the loan limit of the user.
Alternatively, the loan administration system by the computing device when also realize following steps：
When user profile audits obstructed out-of-date, feedback auditing result to the mobile terminal；
When receiving user's side information of mobile terminal transmission, user's side information described in amended record；
The side information is audited；
It is described receive mobile terminal transmission signed Loan Agreement when, execution make loans operation the step of, specifically
Including：
Confirm whether the signed Loan Agreement meets regulation；
If after confirming that Loan Agreement meets regulation, sequence information is established；
The amount of money offer loans to the user account.
Further, to achieve the above object, the present invention also provides a kind of computer-readable recording medium, the computer
Readable storage medium storing program for executing is stored with loan administration system, and the loan administration system can be by least one computing device, so that institute
The step of stating at least one computing device loan administration method described above.
Compared to prior art, application server proposed by the invention, loan administration method and computer-readable storage
Medium, first when receiving the loan requests of mobile terminal transmission, generation loan list；Then, according to the loan list
User profile is extracted, and the user profile is audited；Then, when user profile examination ＆ verification passes through, feedback electronic loan
Agreement is to mobile terminal；Finally, when receiving the signed Loan Agreement of mobile terminal transmission, operation of making loans is performed.This
Sample, the defects of formality that can both avoid providing a loan in the prior art is cumbersome, polytype loan can also be rapidly completed, improves and uses
Experience at family.
Brief description of the drawings
Fig. 1 is each optional application environment schematic diagram of embodiment one of the present invention；
Fig. 2 is the schematic diagram of one optional hardware structure of application server in Fig. 1；
Fig. 3 is the program module schematic diagram of loan administration system first embodiment of the present invention；
Fig. 4 is the program module schematic diagram of loan administration system second embodiment of the present invention；
Fig. 5 is the program module schematic diagram of loan administration system 3rd embodiment of the present invention；
Fig. 6 is the program module schematic diagram of loan administration system fourth embodiment of the present invention；
Fig. 7 is the schematic flow sheet of loan administration method first embodiment of the present invention；
Fig. 8 is the schematic flow sheet of loan administration method second embodiment of the present invention；
Fig. 9 is the schematic flow sheet of loan administration method 3rd embodiment of the present invention；
Figure 10 is the schematic flow sheet of loan administration method fourth embodiment of the present invention.
Reference：
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that specific embodiment described herein is only to explain the present invention, not
For limiting the present invention.Based on the embodiment in the present invention, those of ordinary skill in the art are not before creative work is made
The every other embodiment obtained is put, belongs to the scope of protection of the invention.
It should be noted that the description for being related to " first ", " second " etc. in the present invention is only used for describing purpose, and can not
It is interpreted as indicating or implies its relative importance or imply the quantity of the technical characteristic indicated by indicating.Thus, define " the
One ", at least one this feature can be expressed or be implicitly included to the feature of " second ".In addition, the skill between each embodiment
Art scheme can be combined with each other, but must can be implemented as basis with those of ordinary skill in the art, when technical scheme
With reference to occurring conflicting or will be understood that the combination of this technical scheme is not present when can not realize, also not in application claims
Protection domain within.
As shown in fig.1, it is each optional application environment schematic diagram of embodiment one of the present invention.
In the present embodiment, present invention can apply to include but not limited to, mobile terminal 1, application server 2, network
In 3 application environment.Wherein, the mobile terminal 1 can be that mobile phone, smart phone, notebook computer, digital broadcasting connect
Receive device, PDA (personal digital assistant), PAD (tablet personal computer), PMP (portable media player), guider, vehicle-mounted dress
The movable equipment put etc., and the fixed terminal of such as digital TV, desktop computer, notebook, server etc..It is described
Application server 2 can be that the calculating such as rack-mount server, blade server, tower server or Cabinet-type server are set
Standby, the application server 2 can be the server cluster that independent server or multiple servers are formed.It is described
Network 3 can be intranet (Intranet), internet (Internet), global system for mobile communications (Global
System of Mobile communication, GSM), WCDMA (Wideband Code Division
Multiple Access, WCDMA), 4G networks, 5G networks, bluetooth (Bluetooth), Wi-Fi, speech path network etc. is wireless or has
Gauze network.
Wherein, communicated respectively with one or more mobile terminals 1 by the network 3 in the application server 2
Connection, to carry out data transmission and interact.
In the present embodiment, the mobile terminal 1 includes mobile terminal corresponding to mobile terminal 1 corresponding to user and trade company
1。
As shown in fig.2, it is the schematic diagram of 2 one optional hardware structure of application server in Fig. 1.In the present embodiment, institute
Stating application server 2 may include, but be not limited only to, and connection memory 11, processor 12, net can be in communication with each other by system bus
Network interface 13.It is pointed out that Fig. 2 illustrate only the application server 2 with component 11-13, it should be understood that simultaneously
All components shown realistic are not applied, the more or less component of the implementation that can be substituted.
Wherein, the memory 11 comprises at least a type of readable storage medium storing program for executing, and the readable storage medium storing program for executing includes
Flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memories etc.), random access storage device (RAM), it is static with
Machine access memory (SRAM), read-only storage (ROM), Electrically Erasable Read Only Memory (EEPROM), it is programmable only
Read memory (PROM), magnetic storage, disk, CD etc..In certain embodiments, the memory 11 can be described answers
With the hard disk or internal memory of the internal storage unit of server 2, such as the application server 2.In further embodiments, it is described to deposit
Reservoir 11 can also be that the plug-in type being equipped with the External memory equipment of the application server 2, such as the application server 2 is hard
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card) etc..Certainly, the memory 11 can also both include the internal storage unit of the application server 2 or wrap
Include its External memory equipment.In the present embodiment, the memory 11 is generally used for the behaviour that storage is installed on the application server 2
Make system and types of applications software, such as program code of the loan administration system 200 etc..In addition, the memory 11 is also
It can be used for temporarily storing the Various types of data that has exported or will export.
The processor 12 can be in certain embodiments central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips.The processor 12 is generally used for should described in control
With the overall operation of server 2, such as perform the control related with the mobile terminal 1 progress data interaction or communication and place
Reason etc..In the present embodiment, the processor 12 is used to run the program code stored in the memory 11 or processing data,
Such as run described loan administration system 200 etc..
The network interface 13 may include radio network interface or wired network interface, and the network interface 13 is generally used for
Communication connection is established between the application server 2 and other electronic equipments.In the present embodiment, the network interface 13 is mainly used
In the application server 2 is connected with one or more mobile terminals 1 by the network 3, in the application service
Data transmission channel and communication connection are established between device 2 and one or more of mobile terminals 1.
So far, oneself is through describing the application environment of each embodiment of the present invention and the hardware configuration and work(of relevant device in detail
Energy.Below, above-mentioned application environment and relevant device will be based on, proposes each embodiment of the present invention.
First, the present invention proposes a kind of loan administration system 200.
As shown in fig.3, it is the Program modual graph of the first embodiment of loan administration system 200 of the present invention.
In the present embodiment, the loan administration system 200 includes a series of computer journey being stored on memory 11
Sequence instructs, when the computer program instructions are performed by processor 12, it is possible to achieve the loan administration behaviour of various embodiments of the present invention
Make.In certain embodiments, the specific operation realized based on the computer program instructions each several part, loan administration system
200 can be divided into one or more modules.For example, in figure 3, the loan administration system 200 can be divided into life
Into module 201, auditing module 202, feedback module 203, module of making loans 204.Wherein：
The generation module 201, for when receiving the loan requests of the transmission of mobile terminal 1, generating loan list.
Specifically, when user needs loan, loan requests are sent by mobile terminal 1.The mobile terminal 1 is by described in
Loan requests, which are sent to application server 2, the loan requests, includes user profile.In the present embodiment, user's letter
Breath includes but is not limited to：Subscriber identity information, loan product information, bank card information, contact method (phone, mailbox) etc..Borrow
Money product information can be but be not limited to vehicle, house etc..The application server 2 leads to when receiving the loan requests
The generation of the generation module 201 loan list is crossed, wherein, the loan list includes the user profile.
Normally, the form of loan has a variety of, such as fiduciary loan, mortgage loan etc..In other implementations of the present invention
In example, the application server 2 also analyzes the loan requests, so that it is determined that loan types.After loan types are determined,
The application server 2 is according to the loan template list stored in the database of the loan types and the application server 2
Mapping relations, the loan list that generation matches with the loan types.For example, described in being determined when the application server 2
Loan requests are fiduciary loan, then the loan list that generation matches with fiduciary loan, when described in the application server 2 determination
Loan requests are mortgage loan, then the loan list that generation matches with mortgage loan.
The auditing module 202, for extracting user profile according to the loan list, and the user profile is carried out
Examination ＆ verification.
Specifically, when the application server 2 receives the loan requests that the mobile terminal 1 is sent, examination ＆ verification is passed through
Module 202 extracts user profile from the loan requests, and user profile is audited.Examination ＆ verification is main to be included but unlimited
In：The whether creditable stain of the user, i.e., whether there is overdue loan not go back；Whether the user meets the condition of loan, such as age
The terms of loan are not met less than 18 years old or more than 70 years old；Whether the user possesses the ability repaid the loan etc. msu message.Can
What it is with understanding is that the above is only the restriction in order to preferably explain the present invention, being not intended as the present invention.In other realities of the present invention
Apply in example, msu message also includes user's application information (essential information, job information, contact details, financial resources information, product letter
Breath etc.) and risk information (big data risk report) and other information.
The feedback module 203, for when user profile examination ＆ verification pass through when, feedback electronic Loan Agreement to mobile terminal 1.
Specifically, it will be recalled from above that credit information includes user profile, such as phone, mailbox.In the present embodiment, when
When user profile examination ＆ verification passes through, electronics Loan Agreement is fed back to the movement by the application server 2 by feedback module 203
Terminal 1.In the present embodiment, the feedback module 203 is by the mobile phone or mailbox of feedback user described in electronics Loan Agreement, and
Shi Tongzhi user fills in electronics Loan Agreement.
The module 204 of making loans, for when receiving the signed electronics Loan Agreement of the transmission of mobile terminal 1, holding
Capable operation of making loans.
Specifically, user sends signed Loan Agreement to application server 2 by the mobile terminal 1.When described
Application server 2 when receiving signed Loan Agreement, by module 204 of making loans confirm it is errorless after, execution is made loans operation.
By said procedure module 201-204, loan administration system 200 proposed by the invention, first when receive move
During the loan requests that dynamic terminal 1 is sent, generation loan list；Then, according to the loan list extraction user profile, and to institute
User profile is stated to be audited；Then, when user profile examination ＆ verification passes through, feedback electronic Loan Agreement to mobile terminal 1；Most
Afterwards, when receiving the signed Loan Agreement of the transmission of mobile terminal 1, operation of making loans is performed.So, can both avoid existing
The defects of formality of being provided a loan in technology is cumbersome, can also be rapidly completed polytype loan, improve Consumer's Experience.
Further, the above-mentioned first embodiment based on loan administration system 200 of the present invention, propose that the second of the present invention is real
Apply example (as shown in Figure 4).In the present embodiment, described loan administration system 200 also includes setting module 205 and determining module
206, wherein：
The setting module 205, for setting loan limit rule.
It will be recalled from above that in the first embodiment, the form of loan has a variety of, such as fiduciary loan, mortgage loan etc..
In the present embodiment, the application server 2 sets the loan limit rule of every kind of loan types by setting module 205.Example
Such as, mortgage loan type, if mortgage product is house, the 70% of loan limit not more than house assessed value.And according to
The difference of type of house, loan limit also have difference, and e.g., the amount of personal commercial residential buildings mortgage loan is house assessed value
70%；Office building, retail shop mortgage loan amount not more than house assessed value 60%；The mortgage of factory building mortgage loan is borrowed
The 50% of amount of money degree not more than house assessed value.In another example fiduciary loan type, user existing working unit full half a year,
And monthly income, more than 3500 yuan, the fiduciary loan amount that can apply is within 100,000 yuan；User is in existing working unit completely half
Year, and existing unit is state-owned enterprise or 500 tops of the world enterprise, monthly income is more than 5000 yuan, faithlessness stain, the credit that can apply
Loan limit is more than 100,000 yuan, less than 300,000 yuan.It is appreciated that it these are only for example, being not intended as the present invention's
Limit.
In other embodiments of the invention, the setting module 203 is additionally operable to the setting loan time limit.Using mortgage loan as
Example explanation, if mortgage product is house, if new house is mortgaged, the no more than 30 years most long length of maturity, if second-hand
Room is mortgaged, then the most long loan mortgage time limit was no more than 20 years.It these are only for example, being not intended as the limit of the present invention
Fixed, each financing corporation can be set according to actual conditions.
The determining module 206, the result audited according to user profile and loan limit rule determine the user's
Loan limit.
For example, party A-subscriber's application is mortgage loan, and mortgage product is personal commercial residential buildings, by examination ＆ verification, Yong Huxin
Cease errorless, the personal commercial residential buildings of mortgage meet mortgage loan condition, and auditing result passes through.Assuming that the loan value of party A-subscriber's application
Degree is 800,000, and the house assessed value in the personal commercial residential buildings of its mortgage is 1,000,000, has exceeded highest amount house assessed value
The loan limit of 70% (700,000), therefore, the determining module 206 finally determine that the loan limit of party A-subscriber is 700,000.
By said procedure module 205-206, loan administration system 200 proposed by the invention, loan value can be set
Metric then, the loan limit of the user is determined according to the result of user profile examination ＆ verification and loan limit rule, so as to avoid
User's excess degree is provided a loan, unpayable problem.
Further, the above-mentioned first embodiment based on loan administration system 200 of the present invention, propose that the 3rd of the present invention is real
Apply example (as shown in Figure 5).Described loan administration system 200 also includes establishing module 207, wherein：
The determining module 206, it is additionally operable to confirm whether the signed Loan Agreement meets regulation.
Specifically, the application server 2 confirms whether user is agreed in the whole of Loan Agreement by determining module 206
Hold, confirm whether user has and change protocol contents etc. without authorization.If mortgage loan type, also carry out reaffirming and compress product
Whether compress condition is met, and transfer mortgage confirms.
It is described to establish module 207, if after for confirming that Loan Agreement meets regulation, establish sequence information.
Specifically, after determining module 206 confirms that the signed Loan Agreement Loan Agreement meets relevant regulations, institute
User's sequence information that application server 2 is established by establishing module 207 is stated, such as the bank card of user bound, it is determined that gold of making loans
Volume, setting are refunded the date, interest calculating of loan etc. information.
The module of making loans, the amount of money that is additionally operable to offer loans is to the user account.
In other embodiments of the invention, the application server 2 can also be sent and carry when user does not refund on time
Information of waking up reminds user to refund in time to the mobile phone or mailbox of user.
By said procedure module 207, loan administration system 200 proposed by the invention, additionally it is possible to signed described in confirming
Whether the Loan Agreement of administration meets regulation, if after confirming that Loan Agreement meets regulation, establishes sequence information, gold of then offering loans
Volume is to the user, further, moreover it is possible to reminds user to refund in time in time, realizes that many-side is offered a loan service management.
Further, the above-mentioned first embodiment based on loan administration system 200 of the present invention, propose that the 4th of the present invention is real
Apply example (as shown in Figure 6).In the present embodiment, described loan administration system 200 also includes amended record module 208, wherein
The feedback module 203, it is additionally operable to when user profile examination ＆ verification is obstructed out-of-date, feedback auditing result to the movement is eventually
End 1.
It will be recalled from above that in the first embodiment of the present invention, the result of user profile examination ＆ verification includes passing through and not passing through.
And auditing result not by the reason for mainly have two kinds, first, information is not complete, second, information is not inconsistent.Therefore, in the present embodiment,
Auditing result is fed back to the mobile terminal 1 by the application server 2 by the feedback module 203, wherein the examination ＆ verification
As a result the reason for auditing result does not pass through is included.In the present embodiment, the feedback module 203 feeds back the auditing result
To the mobile phone or mailbox of user.
The amended record module 208, for when receiving user's side information of the transmission of mobile terminal 1, being used described in amended record
Family side information.
The auditing module 202, it is additionally operable to audit the side information.
By said procedure module 208, loan administration system 200 proposed by the invention, additionally it is possible to when user profile is examined
Core is obstructed out-of-date, feedback auditing result to the mobile terminal 1, when receiving user's side information of the transmission of mobile terminal 1,
User's side information described in amended record, and the side information is audited, hommization loan administration is realized, improves user's body
Test.
In addition, the present invention also proposes a kind of loan administration method.
As shown in fig.7, it is the schematic flow sheet of loan administration method first embodiment of the present invention.In the present embodiment,
According to different demands, the execution sequence of the step in flow chart shown in Fig. 7 can change, and some steps can be omitted.
Step S301, when receiving the loan requests of the transmission of mobile terminal 1, generation loan list.
Specifically, when user needs loan, loan requests are sent by mobile terminal 1.The mobile terminal 1 is by described in
Loan requests, which are sent to application server 2, the loan requests, includes user profile.In the present embodiment, user's letter
Breath includes but is not limited to：Subscriber identity information, loan product information, bank card information, contact method (phone, mailbox) etc..Borrow
Money product information can be but be not limited to vehicle, house etc..The application server 2 is raw when receiving the loan requests
Into loan list, wherein, the loan list includes the user profile.
Normally, the form of loan has a variety of, such as fiduciary loan, mortgage loan etc..In other implementations of the present invention
In example, the application server 2 also analyzes the loan requests, so that it is determined that loan types.After loan types are determined,
The application server 2 is according to the loan template list stored in the database of the loan types and the application server 2
Mapping relations, the loan list that generation matches with the loan types.For example, described in being determined when the application server 2
Loan requests are fiduciary loan, then the loan list that generation matches with fiduciary loan, when described in the application server 2 determination
Loan requests are mortgage loan, then the loan list that generation matches with mortgage loan.
Step S302, according to the loan list extraction user profile, and the user profile is audited.
Specifically, when the application server 2 receives the loan requests that the mobile terminal 1 is sent, from the loan
User profile is extracted in money request, and user profile is audited.Examination ＆ verification is main to be included but is not limited to：Whether the user has
Credit stain, i.e., whether there is overdue loan not go back；Whether the user meets the condition of loan, as the age is less than 18 years old or more than 70
Year does not meet the terms of loan；Whether the user possesses the ability repaid the loan etc. msu message.It is appreciated that above only
It is the restriction that the present invention is not intended as to preferably explain the present invention.In other embodiments of the invention, msu message is also
It is (big including user's application information (essential information, job information, contact details, financial resources information, product information etc.) and risk information
Data risk report) and other information.
Step S303, when user profile examination ＆ verification passes through, feedback electronic Loan Agreement to mobile terminal 1.
Specifically, it will be recalled from above that credit information includes user profile, such as phone, mailbox.In the present embodiment, when
When user profile examination ＆ verification passes through, electronics Loan Agreement is fed back to the mobile terminal 1 by the application server 2.In this implementation
In example, the application server 2 is by the mobile phone or mailbox of feedback user described in electronics Loan Agreement, to notify user to fill in time
Electronics Loan Agreement.
Step S304, when receiving the signed electronics Loan Agreement of the transmission of mobile terminal 1, perform operation of making loans.
Specifically, user sends signed Loan Agreement to application server 2 by the mobile terminal 1.When described
Application server 2 is when receiving signed Loan Agreement, after confirming that signed Loan Agreement is errorless, performs the behaviour that makes loans
Make.
By above-mentioned steps S301-304, loan administration method proposed by the invention, first when receiving mobile terminal 1
During the loan requests of transmission, generation loan list；Then, according to the loan list extraction user profile, and to the user
Information is audited；Then, when user profile examination ＆ verification passes through, feedback electronic Loan Agreement to mobile terminal 1；Finally, connecing
When receiving the signed Loan Agreement of the transmission of mobile terminal 1, operation of making loans is performed.So, can both avoid in the prior art
The defects of formality of providing a loan is cumbersome, can also be rapidly completed polytype loan, improve Consumer's Experience.
Further, the above-mentioned first embodiment based on loan administration method of the present invention, proposes loan administration side of the present invention
The second embodiment of method method.
As shown in figure 8, it is the schematic flow sheet of loan administration method method second embodiment of the present invention.In the present embodiment
In, it is described according to the loan list extraction user profile, and the step of audited to the user profile after, in addition to
Following steps：
Step S401, setting loan limit rule.
It will be recalled from above that in the first embodiment, the form of loan has a variety of, such as fiduciary loan, mortgage loan etc..
In the present embodiment, the application server 2 sets the loan limit rule of every kind of loan types.For example, mortgage loan type,
If mortgage product is house, the 70% of loan limit not more than house assessed value.And according to the difference of type of house, borrow
Amount of money degree also has difference, and e.g., the amount of personal commercial residential buildings mortgage loan is the 70% of house assessed value；Office building, retail shop
The 60% of mortgage loan amount not more than house assessed value；The mortgage loan amount of factory building mortgage loan is not more than adopted a young relative
The 50% of room assessed value.In another example fiduciary loan type, user existing working unit full half a year and monthly income 3500 yuan with
On, the fiduciary loan amount that can apply is within 100,000 yuan；User in existing working unit full half a year, and existing unit be state-owned enterprise or
500 tops of the world enterprise, monthly income is more than 5000 yuan, faithlessness stain, the fiduciary loan amount that can apply be 100,000 yuan with
On, less than 300,000 yuan.It is appreciated that it these are only for example, being not intended as the restriction of the present invention.
In other embodiments of the invention, the application server 2 is additionally operable to the setting loan time limit.Using mortgage loan as
Example explanation, if mortgage product is house, if new house is mortgaged, the no more than 30 years most long length of maturity, if second-hand
Room is mortgaged, then the most long loan mortgage time limit was no more than 20 years.It these are only for example, being not intended as the limit of the present invention
Fixed, each financing corporation can be set according to actual conditions.
Step S402, the result audited according to user profile and loan limit rule determine the loan value of the user
Degree.
For example, party A-subscriber's application is mortgage loan, and mortgage product is personal commercial residential buildings, by examination ＆ verification, Yong Huxin
Cease errorless, the personal commercial residential buildings of mortgage meet mortgage loan condition, and auditing result passes through.Assuming that the loan value of party A-subscriber's application
Degree is 800,000, and the house assessed value in the personal commercial residential buildings of its mortgage is 1,000,000, has exceeded highest amount house assessed value
The loan limit of 70% (700,000), therefore, the application server 2 finally determine that the loan limit of party A-subscriber is 700,000.
By above-mentioned steps S401-S402, loan administration method proposed by the invention, loan limit can be set
Rule, the result audited according to user profile and loan limit rule determine the loan limit of the user, so as to avoid using
Family excess degree loan, unpayable problem.
Further, the above-mentioned first embodiment based on loan administration method of the present invention, proposes loan administration side of the present invention
The 3rd embodiment of method.
As shown in figure 9, it is the schematic flow sheet of loan administration method method 3rd embodiment of the present invention.In the present embodiment
In, it is described when receiving the signed Loan Agreement of the transmission of mobile terminal 1, the step of making loans operation is performed, is specifically included
Following steps：
Step S501, confirms whether the signed Loan Agreement meets regulation.
Specifically, the application server 2 confirms whether user agrees to the full content of Loan Agreement, whether confirms user
Have and change protocol contents etc. without authorization.If mortgage loan type, also carry out reaffirming compressing product and whether meeting and compress bar
Part, and transfer mortgage confirm.
Step S502, if after confirming that Loan Agreement meets regulation, establish sequence information.
Specifically, after determining module 206 confirms that the signed Loan Agreement Loan Agreement meets relevant regulations, institute
User's sequence information of the foundation of application server 2 is stated, such as the bank card of user bound, it is determined that the amount of money of making loans, setting is refunded the date,
The interest calculating of loan etc. information.
Step S503, the amount of money of offering loans is to the user account.
In other embodiments of the invention, the application server 2 can also be sent and carry when user does not refund on time
Information of waking up reminds user to refund in time to the mobile phone or mailbox of user.
By above-mentioned steps S501-S503, loan administration method proposed by the invention, additionally it is possible to confirm the signed
Loan Agreement whether meet regulation, if after confirming that Loan Agreement meets regulation, establish sequence information, the amount of money of then offering loans
To the user, further, moreover it is possible to remind user to refund in time in time, realize that many-side is offered a loan service management.
Further, the above-mentioned first embodiment based on loan administration method of the present invention, proposes loan administration side of the present invention
The fourth embodiment of method.
As shown in fig.10, it is the schematic flow sheet of loan administration method first embodiment of the present invention.In the present embodiment,
According to different demands, the execution sequence of the step in flow chart shown in Figure 10 can change, and some steps can be omitted.
Step S601, when receiving the loan requests of the transmission of mobile terminal 1, generation loan list.
Step S602, according to the loan list extraction user profile, and the user profile is audited.
Step S603, confirm whether user profile audits and pass through, it is obstructed out-of-date when auditing, step S604 is performed, works as user
Signal auditing by when, skip to step S607.
Step S604, feedback auditing result to the mobile terminal 1.
It will be recalled from above that in the first embodiment of the present invention, the result of user profile examination ＆ verification includes passing through and not passing through.
And auditing result not by the reason for mainly have two kinds, first, information is not complete, second, information is not inconsistent.Therefore, in the present embodiment,
Auditing result is fed back to the mobile terminal 1 by the application server 2, wherein the auditing result includes auditing result not
The reason for passing through.In the present embodiment, the application server 2 feeds back to the auditing result mobile phone or mailbox of user.
Step S605, when receiving user's side information of the transmission of mobile terminal 1, user's side information described in amended record.
Step S606, the side information is audited.
Step S607, feedback electronic Loan Agreement to mobile terminal 1.
Step S608, when receiving the signed electronics Loan Agreement of the transmission of mobile terminal 1, perform operation of making loans.
By above-mentioned steps S601-608, loan administration method proposed by the invention, additionally it is possible to when user profile is audited
It is obstructed out-of-date, feedback auditing result to the mobile terminal 1, when receiving user's side information of the transmission of mobile terminal 1, mend
User's side information is recorded, and the side information is audited, realizes hommization loan administration, improves Consumer's Experience.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone, computer, clothes
Be engaged in device, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of application server, it is characterised in that the application server includes memory, processor, on the memory
The loan administration system that can be run on the processor is stored with, the loan administration system is by real during the computing device
Existing following steps：
When receiving the loan requests of mobile terminal transmission, generation loan list；
According to the loan list extraction user profile, and the user profile is audited；
When user profile examination ＆ verification passes through, feedback electronic Loan Agreement to mobile terminal；
When receiving the signed Loan Agreement of mobile terminal transmission, operation of making loans is performed.
2. application server as claimed in claim 1, it is characterised in that described when the loan for receiving mobile terminal transmission please
When asking, the step of providing a loan list is generated, is specifically included：
The loan requests are analyzed, determine loan types；
According to the mapping relations of the loan template list stored in the loan types and the application server database, generation
The loan list to match with the loan types.
3. application server as claimed in claim 1, it is characterised in that described according to loan list extraction user's letter
Breath, and after being audited to the user profile, also comprise the following steps：
Set loan limit rule；And
The result audited according to user profile and loan limit rule determine the loan limit of the user.
4. application server as claimed in claim 1, it is characterised in that described to receive the signed of mobile terminal transmission
Loan Agreement when, execution make loans operation the step of, specifically include：
Confirm whether the signed Loan Agreement meets regulation；
If after confirming that Loan Agreement meets regulation, sequence information is established；
The amount of money offer loans to the user account.
5. application server as claimed in claim 1, it is characterised in that the loan administration system is by the computing device
When also realize following steps：
When user profile audits obstructed out-of-date, feedback auditing result to the mobile terminal；
When receiving user's side information of mobile terminal transmission, user's side information described in amended record；
The side information is audited.
A kind of 6. loan administration method, applied to application server, it is characterised in that methods described includes：
When receiving the loan requests of mobile terminal transmission, generation loan list；
According to the loan list extraction user profile, and the user profile is audited；
When user profile examination ＆ verification passes through, feedback electronic Loan Agreement to mobile terminal；
When receiving the signed Loan Agreement of mobile terminal transmission, operation of making loans is performed.
7. loan administration method as claimed in claim 6, it is characterised in that described when the loan for receiving mobile terminal transmission
During request, the step of providing a loan list is generated, is specifically included：
The loan requests are analyzed, determine loan types；
According to the mapping relations of the loan template list stored in the loan types and the application server database, generation
The loan list to match with the loan types.
8. loan administration method as claimed in claim 6, it is characterised in that described according to loan list extraction user's letter
Breath, and after being audited to the user profile, also comprise the following steps：
Set loan limit rule；And
The result audited according to user profile and loan limit rule determine the loan limit of the user.
9. loan administration method as claimed in claim 6, it is characterised in that the loan administration system is held by the processor
Following steps are also realized during row：
When user profile audits obstructed out-of-date, feedback auditing result to the mobile terminal；
When receiving user's side information of mobile terminal transmission, user's side information described in amended record；
The side information is audited；
It is described receive mobile terminal transmission signed Loan Agreement when, execution make loans operation the step of, specifically include：
Confirm whether the signed Loan Agreement meets regulation；
If after confirming that Loan Agreement meets regulation, sequence information is established；
The amount of money offer loans to the user account.
10. a kind of computer-readable recording medium, the computer-readable recording medium storage has loan administration system, the loan
Money management system can be by least one computing device, so as to appoint at least one computing device such as claim 6-9
The step of loan administration method described in one.
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| CN201710916219.XA CN107871280A (en) | 2017-09-30 | 2017-09-30 | Loan administration method, application server and computer-readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710916219.XA CN107871280A (en) | 2017-09-30 | 2017-09-30 | Loan administration method, application server and computer-readable storage medium |
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| CN107871280A true CN107871280A (en) | 2018-04-03 |
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| CN201710916219.XA Pending CN107871280A (en) | 2017-09-30 | 2017-09-30 | Loan administration method, application server and computer-readable storage medium |
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| CN109472687A (en) * | 2018-10-16 | 2019-03-15 | 平安国际融资租赁有限公司 | Air control amount calculation method, device, computer equipment and storage medium |
| CN109636581A (en) * | 2018-10-30 | 2019-04-16 | 深圳壹账通智能科技有限公司 | Processing method and processing device, storage medium, the computer equipment of loan application information |
| CN109685304A (en) * | 2018-08-31 | 2019-04-26 | 深圳壹账通智能科技有限公司 | Qualification examination method, apparatus, equipment and readable storage medium storing program for executing |
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| CN111275545A (en) * | 2020-02-14 | 2020-06-12 | 中国建设银行股份有限公司 | Method, apparatus, device and medium for on-line mortgage |
| CN111445326A (en) * | 2020-04-17 | 2020-07-24 | 中国银行股份有限公司 | Loan amount assessment method and device |
| CN111861503A (en) * | 2020-05-24 | 2020-10-30 | 上海维信荟智金融科技有限公司 | Order auditing method and system |
| CN112106386A (en) * | 2019-12-16 | 2020-12-18 | 钟杰东 | 5G application terminal service management system and management method thereof |
| CN112184424A (en) * | 2020-09-30 | 2021-01-05 | 中国农业银行股份有限公司河北省分行 | Method and system for realizing small and micro enterprise loan |
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| CN108416672A (en) * | 2018-05-11 | 2018-08-17 | 试金石信用服务有限公司 | Financial risks appraisal procedure, system, server and storage medium |
| CN109685304A (en) * | 2018-08-31 | 2019-04-26 | 深圳壹账通智能科技有限公司 | Qualification examination method, apparatus, equipment and readable storage medium storing program for executing |
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| CN112106386A (en) * | 2019-12-16 | 2020-12-18 | 钟杰东 | 5G application terminal service management system and management method thereof |
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| CN111861503A (en) * | 2020-05-24 | 2020-10-30 | 上海维信荟智金融科技有限公司 | Order auditing method and system |
| CN112348517A (en) * | 2020-09-25 | 2021-02-09 | 北京淇瑀信息科技有限公司 | Financial account association method and device and electronic equipment |
| CN112184424A (en) * | 2020-09-30 | 2021-01-05 | 中国农业银行股份有限公司河北省分行 | Method and system for realizing small and micro enterprise loan |
| CN112734557A (en) * | 2020-12-31 | 2021-04-30 | 重庆银行股份有限公司 | Intelligent network credit management system based on big data |
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