CN108335199B - Loan request processing method, loan request processing device, computer equipment and storage medium - Google Patents
Loan request processing method, loan request processing device, computer equipment and storage medium Download PDFInfo
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- CN108335199B CN108335199B CN201810204836.1A CN201810204836A CN108335199B CN 108335199 B CN108335199 B CN 108335199B CN 201810204836 A CN201810204836 A CN 201810204836A CN 108335199 B CN108335199 B CN 108335199B
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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
Abstract
The application relates to a loan request processing method, a loan request processing device, a computer device and a storage medium. The method comprises the following steps: receiving a loan request; selecting corresponding text configuration information and a document template according to the loan request; converting the document template into a loan request document according to the text configuration information; checking whether the application information included in the loan request document is in a preset position; if yes, sending the loan request document to a bank server; receiving loan confirmation information fed back by the bank server; and transferring the corresponding loan amount to the loan account appointed by the loan request according to the loan placement confirmation information. By adopting the method, the time spent on configuring the loan request documents can be greatly reduced, the time spent on the whole loan request process is reduced, and the loan request processing is completed more quickly, so that the loan request processing efficiency is improved, and the loan release efficiency of a plurality of financial institutions to borrowers is improved.
Description
Technical Field
The present application relates to the field of internet finance technologies, and in particular, to a loan request processing method, apparatus, computer device, and computer-readable storage medium.
Background
In the prior art, based on the consideration of safety and the like, the financial institution deposits the loan to the borrower online, verifies a qualification document provided by the borrower, such as a loan request document, in a face-to-face manner, and transfers the loan to the borrower only when the verification is passed. With the development of internet technology, financial institutions can also loan borrowers on the internet, which greatly reduces the time spent in lending.
When a single financial institution credits the borrower, only the qualification document of the financial institution needs to be checked, and the time for configuring the qualification document of the single financial institution is less. If a plurality of financial institutions jointly put credit for the borrower, the qualification documents of the plurality of financial institutions need to be verified once, and because the qualification documents required by different financial institutions are different, the qualification documents required by each financial institution need to be configured independently, so that a large amount of time is spent on configuring the qualification documents required by the financial institutions, the time spent on putting credit is greatly increased, and the efficiency of putting credit for the borrower by the plurality of financial institutions is reduced.
Disclosure of Invention
In view of the above, it is desirable to provide a loan request processing method, apparatus, computer device, and storage medium that can improve the efficiency of lending to borrowers by a plurality of financial institutions.
A loan request processing method, the method comprising:
receiving a loan request;
selecting corresponding text configuration information and a document template according to the loan request;
converting the document template into a loan request document according to the text configuration information;
checking whether the application information included in the loan request document is in a preset position; if so, then
Sending the loan request document to a bank server;
receiving loan confirmation information fed back by the bank server;
and transferring the corresponding loan amount to the loan account appointed by the loan request according to the loan placement confirmation information.
In one embodiment, the converting the document template into a loan request document based on the textual configuration information includes:
identifying the position of the text box in the document template;
and filling the text configuration information into the position of the text box according to a preset format to obtain the loan request document.
In one embodiment, further comprising:
identifying the size of the occupied space of the position of the text box;
acquiring the size of the pre-occupied space of the text configuration information according to the preset format;
judging whether the size of the pre-occupied space of the text configuration information is larger than the size of the occupied space of the position of the corresponding text box; if so, then
And adjusting the size of the occupied space of the position of the text box corresponding to the text configuration information.
In one embodiment, further comprising:
acquiring the times of selecting the text configuration information;
writing the text configuration information with the times larger than the threshold value into an information cache list;
should select corresponding text configuration information and document template according to this loan request, include:
and selecting text configuration information corresponding to the loan request from the information cache list.
In one embodiment, further comprising:
acquiring a seed document in a picture format;
identifying a text box of the seed document;
extracting seed picture information from the identified text box;
converting the extracted seed picture information into seed text information;
and generating text configuration information according to the seed text information.
In one embodiment, after sending the loan request document to the bank server, the method further comprises:
obtaining loan qualification certification information;
sending the loan qualification information to the bank server;
when receiving the image file complement instruction fed back by the bank server, then
Obtaining loan qualification certification information again according to the image file complement instruction;
and sending the retrieved loan qualification information to the bank server.
In one embodiment, before sending the loan request document to the bank server, the method further comprises:
sending a loan request to the bank server;
receiving a document sending confirmation instruction fed back by the bank server;
and sending the loan request document to a bank server according to the document sending confirmation instruction.
A loan request processing apparatus, the apparatus comprising:
the information receiving module is used for receiving a loan request;
the information selection module is used for selecting corresponding text configuration information and document templates according to the loan request;
the document conversion module is used for converting the document template into a loan request document according to the text configuration information;
the position checking module is used for checking whether the application information included in the loan request document is in a preset position;
the file sending module is used for sending the loan request document to the bank server when the application information included in the loan request document is checked to be in a preset position;
the information receiving module is also used for receiving loan confirmation information fed back by the bank server;
and the loan transfer module is used for transferring the corresponding loan amount to the loan account appointed by the loan request according to the loan confirmation information.
A computer device comprising a memory storing a computer program and a processor implementing the steps of the method as claimed in any one of the preceding claims when the computer program is executed by the processor.
A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of the preceding claims.
According to the loan request processing method, the loan request processing device, the computer equipment and the storage medium, after a loan request is received, the corresponding text configuration information and the corresponding document template are selected according to the loan request, the document template is converted into the loan request document according to the text configuration information, and through the matching of the text configuration information and the document template, compared with the direct generation of the loan request document, the loan request document generation time can be greatly reduced. And whether the application information on the loan request document is in the preset position or not is verified, so that the error of the generated loan request document caused by the fact that the loan request document is generated by using the document template and the text configuration information can be avoided, and the success rate of generating the loan request document is improved. And after the loan request document is sent to the bank server and loan confirmation information fed back by the bank server is received, sending the corresponding resource to a loan account specified by the loan request to complete the processing of the loan request. The loan request documents are generated through the text configuration information and the document template, and the loan request documents required by a plurality of financial institutions can be flexibly configured, so that the time spent on configuring the loan request documents can be greatly reduced, the time spent on the whole loan request process is reduced, and the loan request processing is completed more quickly, so that the loan request processing efficiency is improved, and the loan request putting efficiency of a plurality of financial institutions to borrowers is improved.
Drawings
FIG. 1 is a diagram illustrating an exemplary loan request processing method;
FIG. 2 is a flow diagram illustrating a method of loan request processing, in accordance with one embodiment;
FIG. 3 is a flow diagram illustrating a loan request processing method according to another embodiment;
fig. 4 is a block diagram showing the construction of a loan request processing apparatus in one embodiment;
FIG. 5 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
The loan request processing method provided by the application can be applied to the application environment shown in fig. 1. Wherein the terminal 110, the loan server 120, and the bank server 130 communicate via a network. The loan server 120 receives the loan request sent by the terminal 110, and selects corresponding text configuration information and a document template according to the loan request. The loan server 120 converts the document template into a loan request document according to the text configuration information, checks whether application information included in the loan request document is in a preset position, and transmits the loan request document to the bank server 130 when the application information is checked to be in the preset position. After receiving the loan confirmation information fed back by the bank server 130, the loan server 120 transfers the corresponding loan amount to the loan account specified by the loan request according to the loan confirmation information. The terminal 110 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the loan server 120 and the bank server 130 may be implemented by independent servers or a server cluster formed by a plurality of servers.
In one embodiment, as shown in fig. 2, a loan request processing method is provided, which is illustrated in the application of the method to the lending server 120 in fig. 1, and includes the following steps:
and S202, receiving a loan request.
The loan request is specifically request information for requesting the loan server to loan. Specifically, the loan server may receive a loan request sent by the loan webpage, or may receive a loan request sent by the loan APP.
In one embodiment, the terminal sends a connection request to the lending server through the lending APP on the terminal. And the loan server establishes connection with the terminal after receiving the connection request sent by the terminal and verifies the identity information of the terminal. And after the terminal verifies the identity information of the terminal, the terminal sends a loan request to the loan server.
And S204, selecting corresponding text configuration information and a document template according to the loan request.
The text configuration information is information for configuring the text on the document template. The text configuration information may specifically include at least one of bank information, insured life information, general city information, loan name information, and the like. The document template is a template for rapidly generating documents. The document template may be specifically used to generate a loan request document.
In one embodiment, the loan server extracts the loan amount and loan type specified by the loan request from the loan request, and selects corresponding text configuration information and document templates from the database according to the loan amount and loan type extracted from the loan request.
And S206, converting the document template into a loan request document according to the text configuration information.
The loan request document is a document for requesting loan from a bank server. Specifically, the document template is converted into a loan request document according to the text configuration information, or the loan server fills the text configuration information into the document template to generate a corresponding loan request document.
In one embodiment, the lending server writes the selected text configuration information into the document template and detects whether unfilled areas exist in the text box of the document template. And if so, sending corresponding indication information of the unfilled region to the terminal. And the loan server also fills the supplementary information into the document template to generate a loan request document when receiving the supplementary information fed back by the terminal according to the indication information.
And S208, checking whether the application information included in the loan request document is in a preset position.
The application information is information for applying for loan. The application information may specifically be text configuration information for generating a loan request document, or may be request information extracted from a loan request. Specifically, whether the application information included in the loan request document is in the preset position is checked, the application information included in the loan request document can be checked by the loan server through a text side-by-side checking function to compare with the application information included in the loan request document in the preset position, or the application information included in the loan request document can be checked by the loan server through a picture recognition function to check whether the application information is in a text box of the preset position.
And S210, if the application information included in the loan request document is in a preset position, sending the loan request document to a bank server.
The bank server is a server of a financial institution, and the financial institution may be a bank. The banking server may be specifically adapted to review the loan request document.
In one embodiment, when the loan server detects that the application information included in the loan request document is not in the preset position, the loan server reselects the text configuration information and the document template and converts the document template into the loan request document according to the text configuration information.
And S212, receiving loan confirmation information fed back by the bank server.
The loan confirmation information is information for confirming the loan to the terminal by the bank server.
In one embodiment, the bank server checks the loan request document after receiving the loan request document, and sends loan confirmation information to the loan server when the check is passed.
And S214, transferring the corresponding loan amount to the loan account appointed by the loan request according to the loan confirmation information.
Wherein, the loan account is the corresponding account of the terminal.
In one embodiment, after the loan server transfers the loan amount specified by the loan request to the loan account specified by the loan request, the loan amount transferred by the bank server specified in the loan request document is obtained from the bank server, and the loan amount obtained from the bank server is transferred to the loan account specified by the loan request.
In the embodiment, after the loan request is received, the corresponding text configuration information and the corresponding document template are selected according to the loan request, the document template is converted into the loan request document according to the text configuration information, and through the matching of the text configuration information and the document template, compared with the direct generation of the loan request document, the time for generating the loan request document can be greatly reduced. And whether the application information on the loan request document is in the preset position or not is verified, so that the error of the generated loan request document caused by the fact that the loan request document is generated by using the document template and the text configuration information can be avoided, and the success rate of generating the loan request document is improved. And after the loan request document is sent to the bank server and loan confirmation information fed back by the bank server is received, sending the corresponding resource to a loan account specified by the loan request to complete the processing of the loan request. The loan request documents are generated through the text configuration information and the document template, and the loan request documents required by a plurality of financial institutions can be flexibly configured, so that the time spent on configuring the loan request documents can be greatly reduced, the time spent on the whole loan request process is reduced, and the loan request processing is completed more quickly, so that the loan request processing efficiency is improved, and the loan request putting efficiency of a plurality of financial institutions to borrowers is improved.
In one embodiment, the converting the document template into a loan request document based on the textual configuration information includes: identifying the position of the text box in the document template; and filling the text configuration information into the position of the text box according to a preset format to obtain the loan request document.
The text box is an area filled with text information in the document template. The preset format is a preset text format. The text format may specifically be at least one of a font, a font size, a font style, a font color, an underline style, a font spacing, a line spacing, and the like.
In one embodiment, the lending server identifies the location of the text box corresponding to the bank information, fills the bank information into the text box, identifies the location of the text box corresponding to the insured information, and fills the insured information into the text box. The loan server selects the generalizable city subsection information according to the superior website information, and selects the loan forbidding time and the repayment time according to the bank maintenance time to obtain the loan request document.
In the embodiment, the position of the text box in the document template is identified, and the text configuration information is filled in the position of the text box according to the preset format to obtain the loan request document, so that the loan request document can be quickly generated without spending time for filling the document template, the time for configuring the loan request document can be reduced, the time spent in the whole loan-putting process is further reduced, and the loan-putting efficiency of a plurality of financial institutions to borrowers is improved.
In one embodiment, further comprising: identifying the size of the occupied space of the position of the text box; acquiring the size of the pre-occupied space of the text configuration information according to the preset format; judging whether the size of the pre-occupied space of the text configuration information is larger than the size of the occupied space of the position of the corresponding text box; and if so, adjusting the size of the occupied space of the position of the text box corresponding to the text configuration information.
The size of the occupied space of the position where the text box is located is the size of the area of the text box.
In one embodiment, the lending server generates a temporary text box according to a preset format and text configuration information, compares the size of the occupied space of the temporary text box with the size of the occupied space of the text box in the document template, and adjusts the size of the occupied space of the text box in the document template to the size of the occupied space of the temporary text box when the size of the occupied space of the temporary text box is larger than the size of the occupied space of the text box in the document template.
In this embodiment, by identifying the size of the occupied space of the position where the text box is located and acquiring the size of the occupied space of the text configuration information according to the preset format, the size of the occupied space of the position where the text box is located can be adjusted when the size of the occupied space of the text configuration information is larger than the size of the occupied space of the position where the text box is located, so that a wrong loan request document is prevented from being generated, a loan request document needs to be generated again, the time spent on the whole loan discharge is reduced, and the efficiency of loan discharge of a plurality of financial institutions to a borrower is improved.
In one embodiment, further comprising: acquiring the times of selecting the text configuration information; writing the text configuration information with the times larger than the threshold value into an information cache list; should select corresponding text configuration information and document template according to this loan request, include: and selecting text configuration information corresponding to the loan request from the information cache list.
The information cache list is an information list for caching text configuration information. Specifically, the text configuration information which is not selected more than the preset time can be deleted from the information cache list.
In one embodiment, the lending server identifies the number of times the text configuration information in the information cache list is selected and the time of the last selection, and deletes the text configuration information from the information cache list when the lending server identifies that the text configuration information exists in the information cache list, wherein the number of times the text configuration information is selected is less than a threshold value, and the time of the last selection exceeds a preset time.
In the embodiment, the text configuration information with the selected times larger than the threshold value is written into the information cache list, and when the corresponding text configuration information and the document template are selected according to the loan request, the text configuration information corresponding to the loan request is selected from the information cache list, so that the frequently selected text configuration information can be selected more quickly, the time spent on selecting the text configuration information is reduced, the time spent on the whole loan-putting outflow is reduced, and the loan-putting efficiency of a plurality of financial institutions to borrowers is improved.
In one embodiment, further comprising: acquiring a seed document in a picture format; identifying a text box of the seed document; extracting seed picture information from the identified text box; converting the extracted seed picture information into seed text information; and generating text configuration information according to the seed text information.
The seed document may be a loan request document that has been generated. The seed picture information is specifically picture information of a position where a text box of the seed document is located. The seed text information is specifically text information included in the seed picture information.
In one embodiment, the lending server acquires a seed document in a picture format, identifies a text box of the seed document, identifies seed picture information from the text box through Hough transform, divides the seed picture information into single-row picture information through a projection histogram, cuts the single-row picture information into single-character picture information, obtains corresponding text information according to the single-character picture information, and finally converts the obtained text information into text configuration information.
In one embodiment, the lending server converts the single-line picture information into a single-line text information and converts the single-line text information into text configuration information after dividing the seed picture information into the single-line picture information by the projection histogram.
In this embodiment, the seed picture information is extracted from the seed documents in the picture format, the seed picture information is converted into the seed text information, and the text configuration information is generated according to the seed text information, so that the more the number of the seed documents is, the more the text configuration information is generated, and the less the time spent on generating the loan request document according to the text configuration information and the document template is, thereby reducing the time spent on the whole loan leaving process, and improving the efficiency of loan leaving to the borrower by a plurality of financial institutions.
In one embodiment, after sending the loan request document to the bank server, the method further comprises: obtaining loan qualification certification information; sending the loan qualification information to the bank server; when an image file complement instruction fed back by the bank server is received, obtaining loan qualification certification information again according to the image file complement instruction; and sending the retrieved loan qualification information to the bank server.
Wherein the loan qualification information is information for certifying the qualification of the terminal for loan. The loan qualification information may be at least one of identification card information, bank loan records, credit investigation authority, loan contracts, insurance policy, on-site contract pictures, credit card consumption records, personal income records, and the like. The loan qualification information may be stored in the loan server in the form of an image file. The image file replenishment instruction may specifically be an instruction to instruct the lending server to replenish the image file of the loan qualification information.
In one embodiment, the loan server sends an image file complementing instruction to the terminal after receiving a loan request sent by the terminal, and the receiving terminal sends loan qualification information according to the image file complementing instruction.
In one embodiment, the loan server forwards the image file replenishment instruction to the terminal after receiving the image file replenishment instruction sent by the bank server, and forwards loan qualification proof information sent by the terminal according to the image file replenishment instruction to the bank server.
In this embodiment, the loan qualification information is sent to the bank server, and when the bank server feeds back the image file replenishment instruction, the loan qualification information is obtained again, and since the bank server needs to audit the loan qualification of the terminal according to the loan qualification information and the loan request document, the safety of loan placement can be enhanced by replenishing the loan qualification information.
In one embodiment, before sending the loan request document to the bank server, the method further comprises: sending a loan request to the bank server; receiving a document sending confirmation instruction fed back by the bank server; and sending the loan request document to a bank server according to the document sending confirmation instruction.
The document sending confirmation instruction is specifically an instruction for confirming that the loan server sends the loan request document.
In one embodiment, the loan server sends a loan request to the bank server, writes the loan request document and corresponding loan qualification information into the information uploading area after receiving a document sending confirmation instruction fed back by the bank server, and imports the information of the information uploading area into the bank server when receiving an information uploading instruction sent by the bank server regularly.
In the embodiment, before the loan request document is sent to the bank server, the loan request is sent to the bank server, and the bank server can be informed in advance to receive the loan request document, so that the time wasted by the bank server in waiting can be avoided, the time spent on the whole loan-putting outflow is reduced, and the efficiency of putting the loan to the borrower by a plurality of financial institutions is improved.
As shown in fig. 3, in an embodiment, a loan request processing method is further provided, which specifically includes the following steps:
and S302, receiving a loan request.
And S304, selecting corresponding text configuration information and document templates according to the loan request.
S306, identifying the position of the text box in the document template.
S308, identifying the size of the occupied space of the position of the text box.
And S310, acquiring the size of the pre-occupied space of the text configuration information according to the preset format.
S312, determine whether the size of the pre-occupied space of the text configuration information is larger than the size of the occupied space of the position where the corresponding text box is located.
If yes, go to step S314.
And S314, adjusting the size of the occupied space of the position of the text box corresponding to the text configuration information.
And S316, filling the text configuration information into the position of the text box according to a preset format to obtain the loan request document.
And S318, checking whether the application information included in the loan request document is in a preset position.
If yes, go to step S320.
And S320, sending a loan request to the bank server.
And S322, receiving the document sending confirmation instruction fed back by the bank server.
And S324, sending the loan request document to a bank server according to the document sending confirmation instruction.
S326, obtaining loan qualification information.
S328, the loan qualification information is sent to the bank server.
S330, receiving an image file complementing instruction fed back by the bank server.
S332, the loan qualification information is obtained again according to the image file complement instruction.
And S334, sending the retrieved loan qualification information to the bank server.
And S336, receiving loan confirmation information fed back by the bank server.
And S338, transferring the corresponding loan amount to the loan account appointed by the loan request according to the loan confirmation information.
According to the loan request processing method, after a loan request is received, corresponding text configuration information and a document template are selected according to the loan request, the document template is converted into the loan request document according to the text configuration information, and through the matching of the text configuration information and the document template, compared with the method of directly generating the loan request document, the loan request document generation time can be greatly reduced. And whether the application information on the loan request document is in the preset position or not is verified, so that the error of the generated loan request document caused by the fact that the loan request document is generated by using the document template and the text configuration information can be avoided, and the success rate of generating the loan request document is improved. And after the loan request document is sent to the bank server and loan confirmation information fed back by the bank server is received, sending the corresponding resource to a loan account specified by the loan request to complete the processing of the loan request. The loan request documents are generated through the text configuration information and the document template, and the loan request documents required by a plurality of financial institutions can be flexibly configured, so that the time spent on configuring the loan request documents can be greatly reduced, the time spent on the whole loan request process is reduced, and the loan request processing is completed more quickly, so that the loan request processing efficiency is improved, and the loan request putting efficiency of a plurality of financial institutions to borrowers is improved.
It should be understood that, although the steps in the flowchart of fig. 3 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a portion of the steps in fig. 3 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
In one embodiment, as shown in fig. 4, there is provided a loan request processing apparatus 400 comprising: the system comprises an information receiving module 402, an information selecting module 404, a document conversion module 406, a position checking module 408, a file sending module 410 and a loan transfer module 412, wherein: an information receiving module 402 for receiving a loan request; an information selecting module 404, configured to select corresponding text configuration information and document templates according to the loan request; a document conversion module 406, configured to convert the document template into a loan request document according to the text configuration information; the location checking module 408 is configured to check whether the application information included in the loan request document is in a preset location; the file sending module 410 is configured to send the loan request document to the bank server when it is verified that the application information included in the loan request document is in a preset position; the information receiving module 402 is further configured to receive loan confirmation information fed back by the bank server; and the loan transfer module 412 is used for transferring the corresponding loan amount to the loan account specified by the loan request according to the loan confirmation information.
The loan request processing apparatus 400 receives the loan request, selects the corresponding text configuration information and the document template according to the loan request, converts the document template into the loan request document according to the text configuration information, and by matching the text configuration information and the document template, can greatly reduce the time for generating the loan request document compared with directly generating the loan request document. And whether the application information on the loan request document is in the preset position or not is verified, so that the error of the generated loan request document caused by the fact that the loan request document is generated by using the document template and the text configuration information can be avoided, and the success rate of generating the loan request document is improved. And after the loan request document is sent to the bank server and loan confirmation information fed back by the bank server is received, sending the corresponding resource to a loan account specified by the loan request to complete the processing of the loan request. The loan request documents are generated through the text configuration information and the document template, and the loan request documents required by a plurality of financial institutions can be flexibly configured, so that the time spent on configuring the loan request documents can be greatly reduced, the time spent on the whole loan request process is reduced, and the loan request processing is completed more quickly, so that the loan request processing efficiency is improved, and the loan request putting efficiency of a plurality of financial institutions to borrowers is improved.
In one embodiment, the apparatus further comprises: the position identification module is used for identifying the position of the text box in the document template; and the information filling module is used for filling the text configuration information into the position of the text box according to a preset format to obtain the loan request document.
In one embodiment, the apparatus further comprises: the space size identification module is used for identifying the size of the occupied space of the position of the text box; the space size acquisition module is used for acquiring the size of the pre-occupied space of the text configuration information according to the preset format; the space size judging module is used for judging whether the size of the pre-occupied space of the text configuration information is larger than the size of the occupied space of the position where the corresponding text box is located; and the space size adjusting module is used for adjusting the size of the occupied space of the position of the text box corresponding to the text configuration information when the size of the pre-occupied space of the text configuration information is judged to be larger than the size of the occupied space of the position of the corresponding text box.
In one embodiment, the apparatus further comprises: the times obtaining module is used for obtaining the times of the selected text configuration information; the information writing module is used for writing the text configuration information with the times larger than the threshold value into an information cache list; the information selecting module 404 is further configured to select text configuration information corresponding to the loan request from the information cache list.
In one embodiment, the apparatus further comprises: the seed document acquisition module is used for acquiring a seed document in a picture format; the text box identification module is used for identifying the text box of the seed document; the picture information extraction module is used for extracting the seed picture information from the identified text box; the text information conversion module is used for converting the extracted seed picture information into seed text information; and the configuration information generating module is used for generating text configuration information according to the seed text information.
In one embodiment, the apparatus further comprises: the information acquisition module is used for acquiring loan qualification certification information; the document sending module 410 is further configured to send the loan qualification information to the bank server; the information complementing module is used for acquiring loan qualification certification information again according to the image file complementing instruction when receiving the image file complementing instruction fed back by the bank server; the file sending module 410 is further configured to send the retrieved loan qualification information to the bank server.
In one embodiment, the apparatus further comprises: the request sending module is used for sending a loan request to the bank server; the information receiving module 402 is further configured to receive a document sending confirmation instruction fed back by the bank server; the document sending module 410 is further configured to send the loan request document to the bank server according to the document sending confirmation instruction.
For the specific limitations of the loan request processing apparatus 400, reference may be made to the above limitations of the loan request processing method, which will not be described in detail herein. The various modules in the loan request processing apparatus described above may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 5. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing at least one of document templates, text configuration information and the like. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a loan request processing method.
Those skilled in the art will appreciate that the architecture shown in fig. 5 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, there is provided a computer device comprising a memory storing a computer program and a processor implementing the following steps when the processor executes the computer program: receiving a loan request; selecting corresponding text configuration information and a document template according to the loan request; converting the document template into a loan request document according to the text configuration information; checking whether the application information included in the loan request document is in a preset position; if yes, sending the loan request document to a bank server; receiving loan confirmation information fed back by the bank server; and transferring the corresponding loan amount to the loan account appointed by the loan request according to the loan placement confirmation information.
The computer equipment receives the loan request, selects corresponding text configuration information and a document template according to the loan request, converts the document template into the loan request document according to the text configuration information, and can greatly reduce the time for generating the loan request document compared with the direct generation of the loan request document through the matching of the text configuration information and the document template. And whether the application information on the loan request document is in the preset position or not is verified, so that the error of the generated loan request document caused by the fact that the loan request document is generated by using the document template and the text configuration information can be avoided, and the success rate of generating the loan request document is improved. And after the loan request document is sent to the bank server and loan confirmation information fed back by the bank server is received, sending the corresponding resource to a loan account specified by the loan request to complete the processing of the loan request. The loan request documents are generated through the text configuration information and the document template, and the loan request documents required by a plurality of financial institutions can be flexibly configured, so that the time spent on configuring the loan request documents can be greatly reduced, the time spent on the whole loan request process is reduced, and the loan request processing is completed more quickly, so that the loan request processing efficiency is improved, and the loan request putting efficiency of a plurality of financial institutions to borrowers is improved.
In one embodiment, the computer program when executed by the processor further performs the steps of: identifying the position of the text box in the document template; and filling the text configuration information into the position of the text box according to a preset format to obtain the loan request document.
In one embodiment, the computer program when executed by the processor further performs the steps of: identifying the size of the occupied space of the position of the text box; acquiring the size of the pre-occupied space of the text configuration information according to the preset format; judging whether the size of the pre-occupied space of the text configuration information is larger than the size of the occupied space of the position of the corresponding text box; and if so, adjusting the size of the occupied space of the position of the text box corresponding to the text configuration information.
In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring the times of selecting the text configuration information; writing the text configuration information with the times larger than the threshold value into an information cache list; the computer program when executed by the processor further realizes the steps of: and selecting text configuration information corresponding to the loan request from the information cache list.
In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring a seed document in a picture format; identifying a text box of the seed document; extracting seed picture information from the identified text box; converting the extracted seed picture information into seed text information; and generating text configuration information according to the seed text information.
In one embodiment, the computer program when executed by the processor further performs the steps of: obtaining loan qualification certification information; sending the loan qualification information to the bank server; when an image file complement instruction fed back by the bank server is received, obtaining loan qualification certification information again according to the image file complement instruction; and sending the retrieved loan qualification information to the bank server.
In one embodiment, the computer program when executed by the processor further performs the steps of: sending a loan request to the bank server; receiving a document sending confirmation instruction fed back by the bank server; and sending the loan request document to a bank server according to the document sending confirmation instruction.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of: receiving a loan request; selecting corresponding text configuration information and a document template according to the loan request; converting the document template into a loan request document according to the text configuration information; checking whether the application information included in the loan request document is in a preset position; if yes, sending the loan request document to a bank server; receiving loan confirmation information fed back by the bank server; and transferring the corresponding loan amount to the loan account appointed by the loan request according to the loan placement confirmation information.
The computer-readable storage medium receives the loan request, selects corresponding text configuration information and a document template according to the loan request, converts the document template into the loan request document according to the text configuration information, and greatly reduces the time for generating the loan request document compared with directly generating the loan request document through matching the text configuration information and the document template. And whether the application information on the loan request document is in the preset position or not is verified, so that the error of the generated loan request document caused by the fact that the loan request document is generated by using the document template and the text configuration information can be avoided, and the success rate of generating the loan request document is improved. And after the loan request document is sent to the bank server and loan confirmation information fed back by the bank server is received, sending the corresponding resource to a loan account specified by the loan request to complete the processing of the loan request. The loan request documents are generated through the text configuration information and the document template, and the loan request documents required by a plurality of financial institutions can be flexibly configured, so that the time spent on configuring the loan request documents can be greatly reduced, the time spent on the whole loan request process is reduced, and the loan request processing is completed more quickly, so that the loan request processing efficiency is improved, and the loan request putting efficiency of a plurality of financial institutions to borrowers is improved.
In one embodiment, the computer program when executed by the processor further performs the steps of: identifying the position of the text box in the document template; and filling the text configuration information into the position of the text box according to a preset format to obtain the loan request document.
In one embodiment, the computer program when executed by the processor further performs the steps of: identifying the size of the occupied space of the position of the text box; acquiring the size of the pre-occupied space of the text configuration information according to the preset format; judging whether the size of the pre-occupied space of the text configuration information is larger than the size of the occupied space of the position of the corresponding text box; and if so, adjusting the size of the occupied space of the position of the text box corresponding to the text configuration information.
In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring the times of selecting the text configuration information; writing the text configuration information with the times larger than the threshold value into an information cache list; the computer program when executed by the processor further realizes the steps of: and selecting text configuration information corresponding to the loan request from the information cache list.
In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring a seed document in a picture format; identifying a text box of the seed document; extracting seed picture information from the identified text box; converting the extracted seed picture information into seed text information; and generating text configuration information according to the seed text information.
In one embodiment, the computer program when executed by the processor further performs the steps of: obtaining loan qualification certification information; sending the loan qualification information to the bank server; when an image file complement instruction fed back by the bank server is received, obtaining loan qualification certification information again according to the image file complement instruction; and sending the retrieved loan qualification information to the bank server.
In one embodiment, the computer program when executed by the processor further performs the steps of: sending a loan request to the bank server; receiving a document sending confirmation instruction fed back by the bank server; and sending the loan request document to a bank server according to the document sending confirmation instruction.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A loan request processing method, the method comprising:
obtaining a generated loan request document in a picture format; identifying a text box of the loan request document that has been generated; identifying seed picture information from the text box through Hough transform, and dividing the seed picture information into single-line picture information through a projection histogram; cutting the single-line picture information into single-character picture information, obtaining corresponding text information according to the single-character picture information, and finally converting the obtained text information into text configuration information;
receiving a loan request;
selecting corresponding text configuration information and a corresponding document template from a database according to the loan amount and the loan type specified in the loan request;
converting the document template into a loan request document according to the text configuration information;
checking whether the application information included in the loan request document is in a preset position; if so, then
Sending the loan request document to a bank server;
receiving loan confirmation information fed back by the bank server;
and transferring the corresponding loan amount to a loan account appointed by the loan request according to the loan placement confirmation information.
2. The method of claim 1, wherein said converting said document template into a loan request document based on said textual configuration information comprises:
identifying the position of a text box in the document template;
and filling the text configuration information into the position of the text box according to a preset format to obtain the loan request document.
3. The method of claim 2, further comprising:
identifying the size of the occupied space of the position of the text box;
acquiring the size of the pre-occupied space of the text configuration information according to the preset format;
judging whether the size of the pre-occupied space of the text configuration information is larger than the size of the occupied space of the position where the corresponding text box is located; if so, then
And adjusting the size of the occupied space of the position of the text box corresponding to the text configuration information.
4. The method of claim 1, further comprising:
acquiring the selected times of the text configuration information;
writing the text configuration information with the times larger than the threshold value into an information cache list;
selecting corresponding text configuration information and document templates according to the loan request comprises the following steps:
and selecting text configuration information corresponding to the loan request from the information cache list.
5. The method of claim 1, wherein after sending the loan request document to a bank server, further comprising:
obtaining loan qualification certification information;
sending the loan qualification information to the bank server;
when receiving the image file complement instruction fed back by the bank server, then
Obtaining loan qualification certification information again according to the image file complement instruction;
and sending the obtained loan qualification information to the bank server.
6. The method of claim 1, wherein prior to sending the loan request document to a banking server, further comprising:
sending a loan request to the bank server;
receiving a document sending confirmation instruction fed back by the bank server;
and sending the loan request document to a bank server according to the document sending confirmation instruction.
7. A loan request processing apparatus, characterized in that the apparatus comprises:
the system comprises a seed document acquisition module, a data processing module and a data processing module, wherein the seed document acquisition module is used for acquiring a generated loan request document in a picture format;
a text box identification module for identifying the text box of the loan request document which is generated;
the picture information extraction module is used for identifying the seed picture information from the text box through Hough transform and then dividing the seed picture information into single-row picture information through a projection histogram;
the text information conversion module is used for cutting the single-line picture information into the picture information of the single character and obtaining corresponding text information according to the picture information of the single character;
the configuration information generation module is used for converting the obtained text information into text configuration information;
the information receiving module is used for receiving a loan request;
the information selection module is used for selecting corresponding text configuration information and document templates from a database according to the loan amount and the loan type specified in the loan request;
the document conversion module is used for converting the document template into a loan request document according to the text configuration information;
the position checking module is used for checking whether the application information included in the loan request document is in a preset position;
the file sending module is used for sending the loan request document to a bank server when the application information included in the loan request document is checked to be in a preset position;
the information receiving module is also used for receiving loan confirmation information fed back by the bank server;
and the loan transfer module is used for transferring the corresponding loan amount to the loan account appointed by the loan request according to the loan confirmation information.
8. The apparatus of claim 7, further comprising:
the position identification module is used for identifying the position of the text box in the document template;
and the information filling module is used for filling the text configuration information into the position of the text box according to a preset format to obtain the loan request document.
9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 6 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.
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