CN108648073A - Credit methods, device, equipment and computer storage media - Google Patents
Credit methods, device, equipment and computer storage media Download PDFInfo
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- CN108648073A CN108648073A CN201810479473.2A CN201810479473A CN108648073A CN 108648073 A CN108648073 A CN 108648073A CN 201810479473 A CN201810479473 A CN 201810479473A CN 108648073 A CN108648073 A CN 108648073A
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- 238000000034 method Methods 0.000 title claims abstract description 53
- 238000003860 storage Methods 0.000 title claims abstract description 22
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- 238000012795 verification Methods 0.000 claims description 24
- 230000008569 process Effects 0.000 claims description 7
- 230000005540 biological transmission Effects 0.000 claims description 4
- 238000010586 diagram Methods 0.000 description 10
- 238000007726 management method Methods 0.000 description 6
- 238000004891 communication Methods 0.000 description 5
- 238000004519 manufacturing process Methods 0.000 description 4
- 230000006870 function Effects 0.000 description 3
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 3
- 229910052737 gold Inorganic materials 0.000 description 3
- 239000010931 gold Substances 0.000 description 3
- 238000012545 processing Methods 0.000 description 3
- 238000012546 transfer Methods 0.000 description 3
- 230000001960 triggered effect Effects 0.000 description 3
- 238000012550 audit Methods 0.000 description 2
- PEDCQBHIVMGVHV-UHFFFAOYSA-N Glycerine Chemical compound OCC(O)CO PEDCQBHIVMGVHV-UHFFFAOYSA-N 0.000 description 1
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 1
- 230000033228 biological regulation Effects 0.000 description 1
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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
Abstract
The invention discloses a kind of credit methods, include the following steps：It obtains by the application information of loan application, and target loan product is chosen according to the application information；The product information for obtaining target loan product is determined as the loan supply channel of the target loan product distribution according to the product information and default channel allocation rule；The product information of the target loan product is sent to the loan supply channel, so that the loan supply channel is made loans according to product information to intermediate account；When the lending platforms get the paying voucher that instruction loan supply channel has been made loans, the credit applications account for including in the application information is obtained, and is made loans by the intermediate account and according to the fund number in the paying voucher to the credit applications account.The invention also discloses a kind of credit device, equipment and computer storage medias.So that lending platforms are more convenient to the management of credit funds in the present invention.
Description
Technical field
The present invention relates to financial field on line more particularly to credit methods, device, equipment and computer storage medias.
Background technology
Existing lending platforms loan flow is that borrower applies in writing, and is filled in《Loan application》.Application
Content should include the amount of the loan, the intended use of the loan, repaying ability and mode of repayment, at the same must also lending platforms or bank submit phase
Close material；Lending platforms examine before accepting loan, write out ascertainment of loan report by lending platforms handler and examine, and is clear
It can make a loan；Loan contract is signed if giving loan, both sides can verify loan as contracted.
Examined compared with bank loan more flexible before the loan of lending platforms, the audit of the loans of lending platforms is more efficient,
User applies for that loan, lending platforms are providing a loan material after the approval on lending platforms, selects specified cooperative bank to use
Family is made loans, and user needs to handle the account of specified cooperative bank, and gathering of making loans, lending platforms are carried out by specified cooperative bank
Therefrom extract deduction, such pattern of lending as third party, user, which needs to handle specified bank, to move residential registration to another place, and user's operation is not
Just, and lending platforms are to the difficult management of loan.
The above is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that the above is existing skill
Art.
Invention content
The main purpose of the present invention is to provide a kind of credit methods, device, equipment and computer storage medias, pass through letter
Borrow the transfer that platform carries out credit funds so that lending platforms are more convenient to the management of credit funds.
To achieve the above object, the present invention provides a kind of credit methods, and the credit methods include the following steps：
It obtains by the application information of loan application, and target loan product is chosen according to the application information；
The product information for obtaining target loan product, is determined as institute according to the product information and default channel allocation rule
State the loan supply channel of target loan product distribution；
The product information of the target loan product is sent to the loan supply channel, for the loan supply canal
It is made loans to intermediate account according to product information in road；
When the lending platforms get the paying voucher that instruction loan supply channel has been made loans, the letter of application is obtained
The credit applications account for including in breath, and by the intermediate account and according to the fund number in the paying voucher to described
Credit applications account is made loans.
Optionally, the acquisition is by the application information of loan application, and chooses target according to the application information and borrow
Before the step of money product, including：
Loan application request is received, the application information for including in the loan application request is obtained；
According to the loan types in the application information application material, and display reminding information are determined with the application amount of money, with
User is prompted to upload corresponding application material；
It receives the application material that user uploads and opens the application material approval process, receive approval results and according to institute
It states approval results and judges whether the loan application request examination ＆ approval pass through；
If examination ＆ approval do not pass through, the unsanctioned prompt message of examination ＆ approval is generated, so that user understands according to prompt message
Examine unsanctioned reason；
If examination ＆ approval pass through, the acquisition is executed by the application information of loan application, and according to the application information
The step of choosing target loan product.
Optionally, the acquisition is by the application information of loan application, and chooses target according to the application information and borrow
The step of money product includes：
It obtains by the product information of each loan product in the application information of loan application and pre-set product list, and will
The application information is compared with the product information；
Loan product corresponding with the matched product information of the application information is obtained, using the loan product as target
Loan product.
Optionally, the product information for obtaining target loan product, is distributed according to the product information and default channel
Rule is determined as the step of loan supply channel of target loan product distribution and includes：
Obtain target loan product target product information and default channel allocation rule in respectively provide a loan channel information；
The target product information is compared with each loan channel information；
The corresponding loan channel of channel information will be provided a loan with the target product information matches as loan supply channel, and
Target product information is sent to loan supply channel, so that loan supply channel is made loans according to target product information.
Optionally, the product information by the target loan product is sent to the loan supply channel, for institute
After stating the step of loan supply channel is made loans according to product information to intermediate account, including：
Checking request is received, the intermediate account identification information in the checking request is obtained；
The intermediate account identification information is sent to loan supply channel, and receives the channel of loan supply channel transmission
Verification information, to carry out bi-directional verification；
Verification result is obtained, if the verification result is to be verified, prompt message of making loans is generated, for loan supply
Channel prompt message of making loans according to is made loans；
The fund number of loan supply channel is received, and paying voucher is generated according to the fund number.
Optionally, it is described when the lending platforms get instruction loan supply channel made loans paying voucher when, obtain
The credit applications account for including in the application information is taken, and by the intermediate account and according to the money in the paying voucher
After the step of item number is made loans to the credit applications account, including：
Request of refunding is received, obtains the credit applications account for including in the request of refunding, and according to the credit applications
Account determines loan supply channel；
The refund fund number for including in refunding request is obtained, the associated target loan product of credit applications account is obtained,
And determine standard refund fund number；
The refund fund number is compared with the standard refund fund number；
If the refund fund number is matched with the standard refund fund number, refund fund number is sent to loan
Money supply channel.
Optionally, the described the step of refund fund number is compared with the standard refund fund number it
Afterwards, further include：
If the refund fund number is mismatched with the standard refund fund number, the credit applications account is adjusted
Credit scoring.
In addition, to achieve the above object, the present invention also provides a kind of credit equipment credit devices to include：
Product determining module is chosen for obtaining the application information by loan application, and according to the application information
Target loan product；
Channel distribution module, the product information for obtaining target loan product, according to the product information and default canal
Road allocation rule is determined as the loan supply channel of the target loan product distribution；
Information sending module, for the product information of the target loan product to be sent to the loan supply channel,
So that the loan supply channel is made loans according to product information to intermediate account；
Acquisition is made loans module, for getting the paying voucher that instruction loan supply channel has been made loans when the lending platforms
When, the credit applications account for including in the application information is obtained, and by the intermediate account and according to the paying voucher
In fund number make loans to the credit applications account.
In addition, to achieve the above object, the present invention also provides a kind of credit equipment；
The credit equipment includes：It memory, processor and is stored on the memory and can be on the processor
The credit program of operation, wherein：
It is realized such as the step of above-mentioned credit methods when the credit program is executed by the processor.
In addition, to achieve the above object, the present invention also provides a kind of computer storage medias；
It is stored with credit program on the computer storage media, is realized when the credit program is executed by processor as above
The step of credit methods stated.
A kind of credit methods, device, equipment and the computer storage media that the embodiment of the present invention proposes, by flat in credit
Middle channel is established on platform, and different types of banking system and user bank account can be docked on the middle channel on lending platforms
Family, that is, the middle channel on lending platforms can receive the remittance of different bank, and will go to corresponding account in different remittances,
User can not have to handle specified bank card, the transfer of loan fund be carried out by middle channel, specifically, on lending platforms
When detecting that loan application examination ＆ approval pass through, obtains loan application and ask associated application information, and mesh is chosen according to application information
Mark loan product；The product information for obtaining target loan product is borrowed according to product information and default channel allocation rule for target
Money product floated loan supply channel；The product information of target loan product is sent to loan supply channel, so that loan supplies
The granting of credit funds is carried out according to product information to channel；The credit funds of loan supply channel granting are received, application is obtained
The credit applications account for including in information, and credit funds are forwarded to credit applications account.So that lending platforms provide credit
The management of gold is more convenient.
Description of the drawings
Fig. 1 is the apparatus structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of credit methods first embodiment of the present invention；
Fig. 3 is the Refinement operation flow diagram before step S10 in credit methods first embodiment of the present invention；
Fig. 4 is the refinement flow diagram of the step S10 of credit methods in Fig. 2；
Fig. 5 is the refinement flow diagram of the step S20 of credit methods in Fig. 2；
Fig. 6 is the flow diagram of credit methods second embodiment of the present invention；
Fig. 7 is the flow diagram of credit methods 3rd embodiment of the present invention；
Fig. 8 is the high-level schematic functional block diagram of one embodiment of credit device of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are：In lending platforms, (lending platforms refer to：On line financial platform or
Other legal lending platforms) on be arranged fund supply platform and loan application account fund middle channel, undertake certain
Risk, specifically, lending platforms receive the loan fund of fund supply platform granting, and loan fund is delivered to loan application
Account, loan application user need not open an account in the corresponding bank of fund supply platform, and lending platforms may be implemented to provide a loan
The management of fund, for example, existing lending platforms as intermediary, after loan application user examination ＆ approval pass through, are determined by industrial and commercial silver
Row is used as fund supply platform, then needs the distribution process of user's fund in industrial and commercial bank's application bank account, lending platforms
In and do not have any processing authority, middle channel is set on lending platforms in the technical solution of the application, wherein intermediate
Account can be understood as the finance account that loan platform opens up, and the transfer of loan fund be carried out, specifically, in loan application user
After examination ＆ approval pass through, lending platforms determine that by industrial and commercial bank, industrial and commercial bank only needs loan origination extremely as fund supply platform
On the middle channel of lending platforms, the middle channel on lending platforms receives the loan of industrial and commercial bank's granting, by industrial and commercial bank
The loan of granting is gone on the corresponding Construction Bank's card of loan application user, and loan application user need not be in fund supply platform
The corresponding account that opens a bank account so that the operation of user is more convenient, and at the same time, fund platform can carry out loan certain
The management of permission.
Since lending platforms are the circulations of not loan participation fund in the prior art, that is, be by bank on lending platforms
It establishes and is associated between equal fund supplies platform and credit accounts, user handles the bank account of appointed bank, and bank provides a loan
The granting of fund, loan fund platform and without to the administration authority of loan fund, lending platforms loan fund difficult management.
As shown in Figure 1, (terminal is called credit to the terminal for the hardware running environment that Fig. 1, which is the embodiment of the present invention, to be related to
The hardware carrier or lending platforms of equipment either software program) structural schematic diagram.
Terminal of the embodiment of the present invention can also be mobile terminal, wherein fixed terminal such as " Internet of Things with fixed terminal
Equipment ", the intelligent air condition with network savvy, intelligent electric lamp, intelligent power etc.；Mobile terminal, such as AR/VR with network savvy
Equipment, intelligent sound box, autonomous driving vehicle, PC, smart mobile phone, tablet computer, E-book reader, pocket computer etc. have
The terminal device of display function.
As shown in Figure 1, the terminal may include：Processor 1001 (such as central processing unit Central Processing
Unit, CPU), network interface 1004, user interface 1003, memory 1005, communication bus 1002.Wherein, communication bus 1002
For realizing the connection communication between these components.User interface 1003 may include display screen (Display), input unit ratio
Such as keyboard (Keyboard), optional user interface 1003 can also include standard wireline interface and wireless interface.Network interface
1004 may include optionally that (such as Wireless Fidelity WIreless-Fidelity WIFI connect standard wireline interface and wireless interface
Mouthful).Memory 1005 can be high-speed random access memory (random access memory, RAM), can also be stabilization
Memory (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of preceding
State the storage device of processor 1001.
It will be understood by those skilled in the art that the restriction of the not structure paired terminal of terminal structure shown in Fig. 1, can wrap
It includes than illustrating more or fewer components, either combines certain components or different components arrangement.
As shown in Figure 1, the computer software product is stored in a storage medium (storage medium：It is called computer storage
Medium, computer media, readable medium, readable storage medium storing program for executing, computer readable storage medium are directly medium etc., such as
RAM, magnetic disc, CD) in, including some instructions are used so that a station terminal equipment (can be mobile phone, computer, server, sky
Adjust device or the network equipment etc.) method described in each embodiment of the present invention is executed, as a kind of depositing for computer storage media
May include operating system, network communication module, Subscriber Interface Module SIM and credit application program in reservoir 1005.
In terminal shown in Fig. 1, network interface 1004 is mainly used for connecting background server, is carried out with background server
Data communicate；User interface 1003 is mainly used for connecting client (user terminal), with client into row data communication；And processor
1001 can be used for calling the credit application program stored in memory 1005, and execute the letter that following embodiment of the present invention provides
Step in credit side's method.
In the first embodiment of credit methods of the present invention, with reference to Fig. 2, in the first embodiment of credit methods of the present invention, letter
Credit side's method includes：
Step S10 is obtained by the application information of loan application, and chooses target loan production according to the application information
Product；
Step S20 obtains the product information of target loan product, according to the product information and default channel allocation rule
It is determined as the loan supply channel of the target loan product distribution；
The product information of the target loan product is sent to the loan supply channel, for the loan by step S30
Money supply channel is made loans according to product information to intermediate account；
Step S40 obtains institute when the lending platforms get the paying voucher that instruction loan supply channel has been made loans
The credit applications account for including in application information is stated, and by the intermediate account and according to the fund number in the paying voucher
Volume is made loans to the credit applications account.
Before the embodiment the step of, credit methods further include loan examination and approval procedures in the present invention；
Specifically, the flow diagram before reference Fig. 3, first embodiment of the invention step S10, credit scheme include：
Step S01 receives loan application request, obtains the application information for including in the loan application request.
User triggers loan application request on lending platforms, and the mode of triggering loan application request is more, for example, user
Automatic trigger when triggering manually, or meeting preset trigger condition, for example, user submits loan material automatic trigger；Credit is flat
Platform receives loan application request, and obtains the application information for including in application request, wherein application information includes：Loan types,
Request for funds, refund date, credit rate, whether have mortgage etc..
Step S02 determines application material, and display reminding according to the loan types in the application information with the application amount of money
Information, to prompt user to upload corresponding application material.
Lending platforms determine application material according to the loan types in application information with the application amount of money, for example, user selects
Be credit based on real property, then prompting user to upload real estate on lending platforms the information such as proves, and display reminding information, with
User is prompted to upload corresponding application material.
Step S03 receives the application material that user uploads and opens the application material approval process, receives approval results
And judge whether the loan application request examination ＆ approval pass through according to the approval results.
User uploads corresponding application material according to the prompt of lending platforms, and lending platforms receive application material, and in Shen
Please format material it is qualified after and open application material approval process, approval process can be the manual review by audit crew, also
Can be examined automatically according to the setting condition on node after establishing node on lending platforms, lending platforms receive approval results simultaneously
Judge whether loan application request examination ＆ approval pass through according to approval results.
Step S04 generates the unsanctioned prompt message of examination ＆ approval, so that user is according to prompt if examination ＆ approval do not pass through
Information, which understands, examines unsanctioned reason.
If examination ＆ approval do not pass through, lending platforms, which generate, examines unsanctioned prompt message, for example, lending platforms examine, no
It is out of date to obtain real estate property right proof, and generates examination ＆ approval annotation on display interface:Real estate title in application material
It is bright against regulation, so that user understands according to prompt message examines unsanctioned reason.
Step S05 executes the acquisition by the application information of loan application, and according to described if examination ＆ approval pass through
Application information chooses the step of target loan product.
If examination ＆ approval pass through, lending platforms execute the acquisition loan application in first embodiment of the invention and ask associated Shen
Please information, and according to application information choose target loan product the step of.
The loan application material of user can be examined in the present embodiment, ensure what lending platforms were efficiently examined
Meanwhile the fraud of material is prevented, ensure the real effectiveness of credit, to reduce credit risk.
Specifically, in the first embodiment of the invention, the credit methods include：
Step S10 is obtained by the application information of loan application, and chooses target loan production according to the application information
Product.
The label qualified by examination ＆ approval are generated when examination ＆ approval pass through reads the qualified label of examination ＆ approval, that is, letter in lending platforms
Detection of platform to be borrowed to loan application examination ＆ approval to pass through, lending platforms obtain loan application and ask associated application information, wherein.Application
Information includes loan types, request for funds, refund date, credit rate, whether has mortgage etc. information, and according to application information
Choose target loan product.
It should be noted that lending platforms selection loan product can be according to different application informations, such as according to Shen
Loan types that please be in information, determine loan product, or select loan product according to the loan fund in application information, then
Person is determined jointly according to one or more of application information information.
Specifically, with reference to Fig. 4, step S10, including：
Step S11, acquisition pass through the product of each loan product in the application information of loan application and pre-set product list
Information, and the application information is compared with the product information.
When detecting that loan application examination ＆ approval pass through on lending platforms, lending platforms obtain loan application and ask associated Shen
Please information and pre-set product list (pre-set product list is pre-stored whole loan product titles and product information list,
Pre-set product list includes the table of the gauge outfit and loan product title corresponding product information of the entitled index of loan product,
Lending platforms can be according to the corresponding product information of loan product name query) in each loan product corresponding product information, and
Application information is compared lending platforms with product information.
Step S12 obtains loan product corresponding with the matched product information of the application information, by the loan product
As target loan product.
Obtain loan product corresponding with the matched product information of the application information, wherein application information is believed with product
Breath matching, refers to that the application amount of money in application information is identical as the amount of money of product information, the applying type in application information and production
Product type in product information is identical, for example, what is applied in application information is housing loan, the loan types in product information are
Housing loan then matches in application information with product information, specifically, if loan types and product information in application information
Product type is identical, and the line of credit of the application amount of money and product information in application information meets, for example, application information is
100w home mortgages, product information are 100w credits based on real property, then judge loan product in pre-set product list
Product information is matched with application information.Product information and the matched loan product of application information are selected in pre-set product list, are believed
Platform is borrowed using matched loan product as target loan product, that is, user's application information and the product in pre-set product list
Information is identical, then lending platforms are using the identical loan product of pre-set product list products information as target loan product.
Some or all of information in the present embodiment in application information selects loan product so that loan product meets use
Family demand.
Step S20 obtains the product information of target loan product, according to the product information and default channel allocation rule
It is determined as the loan supply channel of the target loan product distribution.
Lending platforms obtain the product information of target loan product, and lending platforms are distributed according to product information and default channel
Rule (default channel allocation rule：It is pre-set allocation rule, for example, the loan fund for including is in loan product
10000, then lending platforms determine that the loan is petty load, lending platforms determine the financing on line as loan supply channel)
For target loan product floated loan supply channel.
Specifically, with reference to Fig. 5, step S20, including：
Step S21, obtain target loan product target product information and default channel allocation rule in respectively provide a loan channel
Information.
A prompt message can be generated when lending platforms determine loan product, lending platforms are examined when generating prompt message
When measuring target loan product and determining, lending platforms obtain in the product information and default channel allocation rule of target loan product
Each channel information, channel information refer to the information of bank or other fund supply platforms.
The target product information is compared step S22 with each loan channel information.
Product information is compared lending platforms with the channel information of each channel, for example, by the loan in product information
The money amount of money and each channel, the amount of making loans in channel information are compared.
Step S23 supplies loan channel corresponding with target product information matches loan channel information as loan
Be sent to loan supply channel to channel, and by target product information so that loan supply channel according to target product information into
Row is made loans.
Lending platforms supply loan channel corresponding with target product information matches loan channel information as loan
To channel, wherein it refers to the application amount in target product information that target product information is matched with the channel information of loan channel
Less than or equal to the amount of making loans in channel information, alternatively, the loan interest rate in target product information is less than or equal in channel information
Credit rate, then lending platforms are using the corresponding channel of channel information as loan supply channel, and product information is sent to loan
Money supply channel, so that loan supply channel carries out funds release according to product information, that is, lending platforms determine in product information
The amount of the loan be 50w, loan interest rate 5.05%, the loan limit in channel information is 40w-100w, and loan interest rate is
4.05%, then lending platforms determine that product information is matched with channel information, while the interest rate of earning 1.00% is poor.
The product information of the target loan product is sent to the loan supply channel, for the loan by step S30
Money supply channel is made loans according to product information to intermediate account.
The product information of the target loan product is sent to the loan supply channel by lending platforms, for the loan
Money supply channel is made loans according to product information to intermediate account, wherein product information includes：Product type, product amount are refunded
It the information such as makes loans.
Further, after step S30, further include：
Step a receives checking request, obtains the intermediate account identification information in the checking request；
The intermediate account identification information is sent to loan supply channel by step b, and receives the transmission of loan supply channel
Channel verification information, to carry out bi-directional verification；
Step c obtains verification result, if the verification result is to be verified, generates prompt message of making loans, for borrowing
Money supply channel prompt message of making loans according to is made loans；
Step d receives the fund number of loan supply channel, and generates paying voucher according to the fund number.
In lending platforms after determining the loan supply channel of target loan product, lending platforms by target loan product with
Loan supply channel is associated, and detects that the loan supply channel of target loan product establishes association on lending platforms
Afterwards, and checking request is triggered；And obtain the intermediate account identification information in the checking request；The intermediate account is identified and is believed
Breath is sent to loan supply channel, and receives the channel verification information of loan supply channel transmission, to carry out bi-directional verification；Specifically
Ground, progress bi-directional verification can there are two types of realization method, modes one：Presetting mark information is sent to loan supply by lending platforms
Channel, loan supply channel reception identification information are simultaneously verified, and loan supply channel sends the identification information of itself to lending platforms,
It is verified；Mode two：Preset encrypted identification information is sent to loan supply channel, loan supply channel reception by lending platforms
Encrypted identification information generates the verification information of decryption, and the verification information of decryption is sent to lending platforms by loan supply channel.
Lending platforms obtain verification result, if the verification result is to be verified, generate prompt message of making loans, for
Loan supply channel prompt message of making loans according to is made loans；Lending platforms receive the fund number of loan supply channel,
And paying voucher is generated according to the fund number.
Step S40 obtains institute when the lending platforms get the paying voucher that instruction loan supply channel has been made loans
The credit applications account for including in application information is stated, and by the intermediate account and according to the fund number in the paying voucher
Volume is made loans to the credit applications account.
When lending platforms get the paying voucher that instruction loan supply channel has been made loans, that is, the intermediate canal of lending platforms
Road is receiving when making loans of loan supply channel, and lending platforms generate paying voucher, and lending platforms obtain in paying voucher
Fund number, and the credit applications account for including in the application information is obtained, lending platforms are by the intermediate account and press
Make loans to the credit applications account according to the fund number in the paying voucher, for example, bank as loan supply channel to
The intermediate account of lending platforms is made loans, and intermediate account receives when making loans of bank, and lending platforms generate paying voucher, letter
It borrows platform and obtains the credit applications account for including in application information, and by intermediate account and according to the money in the paying voucher
Item number is made loans to the credit applications account.
Lending platforms receive the credit funds of loan supply channel granting, obtain the credit applications account for including in application information
Family, and credit funds are forwarded to credit applications account.That is, there is no loan fund is delivered to credit Shen for loan supply channel
Please account, loan user need not handle the bank account of appointed bank, and credit loan is sent to credit by loan supply channel
Credit funds are forwarded to corresponding bank account by platform by lending platforms.Lending platforms can be to credit in the present embodiment
Fund is managed so that Debit User need not handle the bank card of appointed bank so that user experience is more preferable.
Further, with reference to Fig. 6 credit side of the present invention is further provided on the basis of first embodiment of the invention
The second embodiment of method is not docked directly with credit applications account due to loan supply channel, then believed in the present embodiment
It is also required to by lending platforms when borrowing refund.
The step in first embodiment is omitted in Fig. 6, the step S50 in Fig. 6 is after first embodiment step S40
Refinement, the credit methods include：
Step S50 receives request of refunding, and obtains the credit applications account for including in the request of refunding, and according to described
Credit applications account determines loan supply channel.
User, which is based on terminal triggering credit refund, to be asked, and lending platforms receive request of refunding, and include in acquisition refund request
Credit applications account, and loan supply channel is determined according to credit applications account, that is, credit applications platform receives refund and asks
When asking, credit applications account is determined as refund account, and based on refund account inquiries to the fund supply platform of distribution.
Step S60 obtains the refund fund number for including in refunding request, obtains the associated target of credit applications account and borrows
Money product, and determine standard refund fund number.
Lending platforms obtain refund request in include refund fund number, wherein refund fund number includes：It refunds golden
Volume is refunded time etc., and lending platforms obtain the associated target loan product of credit applications account, and determine standard repayment amount,
Wherein, standard repayment amount can be calculated according to the mode that user selects, such as new loan for purchasing house calculator also provides
Two kinds of volume capital refund method, equal principal refund method modes of repayment.It only needs to select corresponding pattern of lending when in use, fill in
The corresponding amount of the loan simultaneously selects the length of maturity, the mode of repayment of selection prompt user's selection, you can according to current newest loan
Interest rate calculates the contribution of the mortgage moon, and standard repayment amount, standard are refunded time etc., and when standard repayment amount, standard are refunded
Between be used as standard refund fund number.
The refund fund number is compared step S70 with the standard refund fund number.
Refund fund number described in lending platforms is compared with the standard refund fund number, that is, determines gold of refunding
Whether volume meets with standard repayment amount, and whether the time of refunding meets with the standard refund time.
Step S80, if the refund fund number is matched with the standard refund fund number, by refund fund number
It is sent to loan supply channel.
If the refund fund number is matched with the standard refund fund number, that is, repayment amount is refunded golden with standard
Volume matches, and refunds no overdue, then repayment amount is sent to loan supply channel by lending platforms, it should be added that,
Since lending platforms are as the third party among loan supply channel and Debit User, part wind is assumed responsibility for for loan supply channel
Danger, at the same saved Debit User examination ＆ approval flow, lending platforms can centre earning interest rate it is poor, that is, lending platforms according to
Specific scene determines that interest rate is poor, and the repayment amount for deducting interest rate difference is sent to loan supply channel.
Corresponding refund channel is determined according to credit product in the present embodiment, there is the pipe of credit funds on lending platforms
Reason and part manipulation permission, lending platforms can be managed credit funds, by lending platforms from traditional centre
Channel is converted into the third-party platform with certain loan fund administration authority, and at the same time, lending platforms can flexibly be located
Credit funds are managed, under conditions of meeting user demand and fund supply platform, fund is subjected to the income that turnover obtains bigger.
Further, further include after step S60：
If the refund fund number is mismatched with the standard refund fund number, the credit applications account is adjusted
Credit scoring.
If the refund fund number is mismatched with the standard refund fund number in the present embodiment, that is, credit Shen
Please account correspond to user appearance overdue refund the case where, then adjust the credit scoring of the credit applications account, specifically, letter
Borrowing the adjustment rule of the credit scoring of application account can be configured as the case may be.
Further, with reference to Fig. 7 credit side of the present invention is further provided on the basis of first embodiment of the invention
The 3rd embodiment of method inquires user account information by lending platforms in the present embodiment.
The step in first embodiment is omitted in Fig. 7, the step S90 in Fig. 7 is after first embodiment step S40
Refinement, the present embodiment can also be combined with second embodiment, in the 3rd embodiment of credit methods of the present invention, the credit side
Method includes：
Step S90 receives the inquiry request triggered based on credit applications account, obtains the associated history of credit applications account
Loan product.
Lending platforms receive the inquiry request triggered based on credit applications account, and lending platforms obtain credit applications account and close
The history loan product of connection, wherein borrow the application associated history loan product of account may have it is multiple, for example, user is with same
A bank card has not only applied for housing loan, but also has applied for vehicle loan, then whole loans in bank account can be obtained on lending platforms
Money information.
Step S100 determines history loan supply channel, to obtain the money of credit applications account according to history loan product
The flow direction of gold.
Lending platforms determine history loan supply channel according to history loan product, to obtain the fund of credit applications account
Flow direction, lending platforms can determine the interaction between user and different banks.
Credit accounts relevant information can be inquired on lending platforms in the present embodiment, that is, increased on lending platforms
Search access right can inquire the full step credit information of user.
In addition, with reference to Fig. 8, the embodiment of the present invention also proposes that a kind of credit device, the credit device include：
Product determining module 10 is selected for obtaining the application information by loan application, and according to the application information
Take target loan product；
Channel distribution module 20, the product information for obtaining target loan product according to the product information and are preset
Channel allocation rule is determined as the loan supply channel of the target loan product distribution；
Information sending module 30, for the product information of the target loan product to be sent to the loan supply canal
Road, so that the loan supply channel is made loans according to product information to intermediate account；
Acquisition is made loans module 40, for when the lending platforms get gathering that instruction loan supply channel has been made loans with
When card, obtain the credit applications account for including in the application information, and by the intermediate account and according to the gathering with
Fund number in card is made loans to the credit applications account.
Further, the credit device, including：
Loan application module obtains the letter of application for including in the loan application request for receiving loan application request
Breath；
Material determining module, for determining application material with the application amount of money according to the loan types in the application information,
And display reminding information, to prompt user to upload corresponding application material；
Material approval module, for receive user upload application material and open the application material approval process, connect
It receives approval results and judges whether the loan application request examination ＆ approval pass through according to the approval results；
Reminding module is examined, if not passing through for examining, the unsanctioned prompt message of examination ＆ approval is generated, so that user
Understood according to prompt message and examines unsanctioned reason；
Product validation module executes the acquisition by the application information of loan application if passing through for examining, and
The step of target loan product being chosen according to the application information.
Further, the product determining module 10 in the credit device, including：
Information comparison unit, for obtaining respectively loan production in the application information by loan application and pre-set product list
The product information of product, and the application information is compared with the product information；
Confirmation unit is compared, for obtaining loan product corresponding with the matched product information of the application information, by institute
Loan product is stated as target loan product.
Further, the channel distribution module 20 in the credit device, including：
Information acquisition unit, it is each in the target product information and default channel allocation rule for obtaining target loan product
Loan channel information；
Information comparison unit, for the target product information to be compared with each loan channel information；
Channel determination unit, for making loan channel corresponding with target product information matches loan channel information
For loan supply channel, and target product information is sent to loan supply channel, so that loan supply channel is produced according to target
Product information is made loans.
Further, the credit device includes：
Authentication module obtains the intermediate account identification information in the checking request for receiving checking request；
Sending/receiving module for the intermediate account identification information to be sent to loan supply channel, and receives loan
The channel verification information that supply channel is sent, to carry out bi-directional verification；
Verification tip module, if the verification result is to be verified, generates prompt of making loans for obtaining verification result
Information, so that loan supply channel prompt message of making loans according to is made loans；
Voucher generation module, the fund number for receiving loan supply channel, and generated and received according to the fund number
Money voucher.
Further, the credit device includes：
Payment for goods module：It is asked for receiving to refund, the credit applications account for including in the acquisition request of refunding, and according to
The credit applications account determines loan supply channel；
Determining module is obtained, for obtaining the refund fund number for including in refund request, credit applications account is obtained and closes
The target loan product of connection, and determine standard refund fund number；
Refund comparing module, for the refund fund number to be compared with the standard refund fund number；
Refund sending module will be also if being matched with the standard refund fund number for the refund fund number
Leisurely item number volume is sent to loan supply channel.
Further, the credit device further includes：
Grading module is adjusted, if being mismatched for the refund fund number and the standard refund fund number, is adjusted
The credit scoring of the whole credit applications account.
Wherein, the step of each Implement of Function Module of credit device can refer to each implementation of credit methods of the present invention
Example, details are not described herein again.
In addition, the embodiment of the present invention also proposes a kind of computer storage media.
Credit program is stored on the computer storage media, the credit program is realized above-mentioned when being executed by processor
Operation in the credit methods that embodiment provides.
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 this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of credit methods, which is characterized in that the credit methods include the following steps：
It obtains by the application information of loan application, and target loan product is chosen according to the application information；
The product information for obtaining target loan product, is determined as the mesh according to the product information and default channel allocation rule
Mark the loan supply channel of loan product distribution；
The product information of the target loan product is sent to the loan supply channel, for the loan supply channel root
It makes loans to intermediate account according to product information；
When the lending platforms get the paying voucher that instruction loan supply channel has been made loans, obtain in the application information
Including credit applications account, and by the intermediate account and according to the fund number in the paying voucher to the credit
Application account is made loans.
2. credit methods as described in claim 1, which is characterized in that the acquisition by the application information of loan application,
And before the step of choosing target loan product according to the application information, including：
Loan application request is received, the application information for including in the loan application request is obtained；
Application material, and display reminding information are determined with the application amount of money, according to the loan types in the application information with prompt
User uploads corresponding application material；
It receives the application material that user uploads and opens the application material approval process, receive approval results and examined according to described
It criticizes result and judges whether the loan application request examination ＆ approval pass through；
If examination ＆ approval do not pass through, the unsanctioned prompt message of examination ＆ approval is generated, is examined so that user understands according to prompt message
Unsanctioned reason；
If examination ＆ approval pass through, the acquisition is executed by the application information of loan application, and choose according to the application information
The step of target loan product.
3. credit methods as described in claim 1, which is characterized in that the acquisition by the application information of loan application,
And the step of choosing target loan product according to the application information, includes：
It obtains by the product information of each loan product in the application information of loan application and pre-set product list, and will be described
Application information is compared with the product information；
Loan product corresponding with the matched product information of the application information is obtained, is provided a loan the loan product as target
Product.
4. credit methods as described in claim 1, which is characterized in that the product information for obtaining target loan product, root
It is determined as the step of the loan supply channel of the target loan product distribution according to the product information and default channel allocation rule
Suddenly include：
Obtain target loan product target product information and default channel allocation rule in respectively provide a loan channel information；
The target product information is compared with each loan channel information；
The corresponding loan channel of channel information will be provided a loan with the target product information matches as loan supply channel, and by mesh
Mark product information is sent to loan supply channel, so that loan supply channel is made loans according to target product information.
5. credit methods as described in claim 1, which is characterized in that the product information by the target loan product is sent out
The step of sending to the loan supply channel, being made loans to intermediate account according to product information for the loan supply channel it
Afterwards, including：
Checking request is received, the intermediate account identification information in the checking request is obtained；
The intermediate account identification information is sent to loan supply channel, and receives the channel verification of loan supply channel transmission
Information, to carry out bi-directional verification；
Verification result is obtained, if the verification result is to be verified, prompt message of making loans is generated, for loan supply channel
It is made loans according to the prompt message of making loans；
The fund number of loan supply channel is received, and paying voucher is generated according to the fund number.
6. credit methods as described in claim 1, which is characterized in that described to be supplied when the lending platforms get instruction loan
When the paying voucher made loans to channel, the credit applications account for including in the application information is obtained, and pass through the centre
Account and the step of make loans to the credit applications account according to the fund number in the paying voucher after, including：
Request of refunding is received, obtains the credit applications account for including in the request of refunding, and according to the credit applications account
Determine loan supply channel；
The refund fund number for including in refunding request is obtained, obtains the associated target loan product of credit applications account, and really
Calibrate quasi- refund fund number；
The refund fund number is compared with the standard refund fund number；
If the refund fund number is matched with the standard refund fund number, refund fund number is sent to loan and is supplied
To channel.
7. credit methods as claimed in claim 6, which is characterized in that it is described by the refund fund number and the standard also
After the step of leisurely item number is compared, further include：
If the refund fund number is mismatched with the standard refund fund number, the letter of the credit applications account is adjusted
With scoring.
8. a kind of credit device, which is characterized in that the credit device includes：
Product determining module chooses target for obtaining the application information by loan application, and according to the application information
Loan product；
Channel distribution module, the product information for obtaining target loan product, according to the product information and default channel point
It is determined as the loan supply channel of the target loan product distribution with rule；
Information sending module, for the product information of the target loan product to be sent to the loan supply channel, for
The loan supply channel is made loans according to product information to intermediate account；
Acquisition is made loans module, for when the lending platforms get the paying voucher that instruction loan supply channel has been made loans,
The credit applications account for including in the application information is obtained, and by the intermediate account and according in the paying voucher
Fund number is made loans to the credit applications account.
9. a kind of credit equipment, which is characterized in that the credit equipment includes：Memory, processor and it is stored in the storage
On device and the credit program that can run on the processor, wherein：
Realizing the credit methods as described in any one of claim 1 to 7 when the credit program is executed by the processor
Step.
10. a kind of computer storage media, which is characterized in that credit program is stored on the computer storage media, it is described
The step of credit methods as described in any one of claim 1 to 7 are realized when credit program is executed by processor.
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| CN201810479473.2A CN108648073A (en) | 2018-05-18 | 2018-05-18 | Credit methods, device, equipment and computer storage media |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810479473.2A CN108648073A (en) | 2018-05-18 | 2018-05-18 | Credit methods, device, equipment and computer storage media |
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| CN108648073A true CN108648073A (en) | 2018-10-12 |
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| CN109377353A (en) * | 2018-10-25 | 2019-02-22 | 达飞云贷科技（北京）有限公司 | A kind of method, apparatus, storage medium and the processor of screening fund side |
| CN109447790A (en) * | 2018-11-09 | 2019-03-08 | 杭州创金聚乾网络科技有限公司 | A kind of matching process, device and the equipment of debit request and channels to fund |
| CN109636612A (en) * | 2018-10-19 | 2019-04-16 | 深圳平安财富宝投资咨询有限公司 | Financing resource allocation methods, device, equipment and medium based on data analysis |
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| CN109785119A (en) * | 2018-12-26 | 2019-05-21 | 杭州茂财网络技术有限公司 | Loan commodity shelf system, working method and storage medium |
| CN110070433A (en) * | 2019-03-22 | 2019-07-30 | 平安普惠企业管理有限公司 | Based on data processing loan transaction affiliation method, device and computer equipment |
| CN110135850A (en) * | 2019-04-12 | 2019-08-16 | 深圳壹账通智能科技有限公司 | A kind of information processing method and relevant apparatus |
| CN110119982A (en) * | 2019-05-16 | 2019-08-13 | 武汉神算云信息科技有限责任公司 | A kind of management of credit risk system |
| CN110390512A (en) * | 2019-07-16 | 2019-10-29 | 深圳乐信软件技术有限公司 | Internet Financial Management method, system, storage medium and equipment |
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| CN111160872A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Application information processing method and device |
| CN111160872B (en) * | 2019-12-31 | 2023-04-18 | 中国银行股份有限公司 | Application information processing method and device |
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