CN108876601A - A kind of loan requests processing method, device, electronic equipment and storage medium - Google Patents
A kind of loan requests processing method, device, electronic equipment and storage medium Download PDFInfo
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- CN108876601A CN108876601A CN201811086615.5A CN201811086615A CN108876601A CN 108876601 A CN108876601 A CN 108876601A CN 201811086615 A CN201811086615 A CN 201811086615A CN 108876601 A CN108876601 A CN 108876601A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
This specification embodiment discloses a kind of loan requests processing method, device, electronic equipment and storage medium, wherein loan requests processing method includes：Obtain loan requests information；The loan requests information is parsed, the personal information of creditor is obtained；Audit the authenticity of the personal information of the creditor；In the case where the personal information of the creditor is true and eligible, information, the historical behavior information of the creditor are signed in the face for obtaining financial institution and creditor；Information is signed according to the face, the historical behavior information of the creditor generates the corresponding information of offering loans of the loan requests information.
Description
Technical field
This specification is related to technical field of data processing, in particular to a kind of loan requests processing method, device, electronics are set
Standby and storage medium.
Background technique
With the public continuous variation started an undertaking with investment environment, people are increasing to the demand of fund quickly flowed,
Although the existing loan type of traditional bank and credit card kind meet the portion requirements of more people, the demand in market with
The variation of economic condition is also constantly changing.In addition, conventional silver industry receives the impact of internet finance.Internet finance with
Its rapid and convenient, the features such as audient is extensive, by the concern and use of more and more credit requirement persons, to emerge increasingly
More network investments and network credit, but the appearance of internet finance also makes financial market more risk occur.
Financial service phase of the conventional silver industry due to factors such as various stringent examination Regulation Policies, with facing specific crowd
Than, limit to specific crowd i.e. read well-educated people can bring to the more efficient utilization of fund to related
The impetus of market economic development；And traditional bank for offer a loan service involved in application threshold it is higher, condition
It is related to " general favour finance " etc. to hinder " masses' innovation, millions of people are started an undertaking " that current country vigorously advocates for the limiting factors such as harshness
The development of national policy.
Summary of the invention
The purpose of this specification embodiment is to provide a kind of loan requests processing method, device, electronic equipment and storage
Medium, the technical program are specific crowd by including but is not limited to that site sales counter or bank assistant director face label etc. handle mode
The financial service of corresponding amount is provided " reading well-educated people ", is come into force in real time, there is preferable service convenience, higher
Safety and practicability.
To achieve the above object, this specification embodiment provides a kind of loan requests processing method, including：
Obtain loan requests information；
The loan requests information is parsed, the personal information of creditor is obtained；
Audit the authenticity of the personal information of the creditor；
In the case where true and eligible in the personal information of the creditor, financial institution and creditor are obtained
Sign information, the historical behavior information of the creditor in face；
Information is signed according to the face, the historical behavior information of the creditor generates the corresponding hair of the loan requests information
Put credit information.
Preferably, further include：
According to the credit information, corresponding amount loan is paid into the account of the creditor in agreed period.
Preferably, further include：
Reach the process for supervising creditor's utilization of a loan by supervising the account of the creditor.
Preferably, further include：
The loan repayment capacity that the creditor is determined from the historical behavior information of the creditor, according to going back for the creditor
Money ability generates the refund mechanism of the creditor and urges money mechanism.
Preferably, the historical behavior information of the creditor includes：Revenue and expenditure information, discreditable behavior, behavior of keeping one's word.
Preferably, the personal information includes：Educational background, school report, personally identifiable information, family status information.
Preferably, information is signed according to the face, the historical behavior information of the creditor generates the loan requests information
It is corresponding offer loans information the step of include：
The income situation, loan repayment capacity, credit feelings of the creditor are determined according to the historical behavior information of the creditor
Condition；
Loan limit is determined according to income situation, the loan repayment capacity of the creditor；
Information is signed according to the face, the loan limit generates the corresponding information of offering loans of the loan requests information.
Accordingly, to achieve the above object, this specification embodiment provides a kind of loan requests processing unit, including：
Loan requests acquiring unit, for obtaining loan requests information；
Resolution unit obtains the personal information of creditor for parsing to the loan requests information；
Audit unit, the authenticity of the personal information for auditing the creditor；
Offer acquiring unit, for obtaining gold in the case where the personal information of the creditor is true and eligible
Melt mechanism and face the label information, the historical behavior information of the creditor of creditor；
Credit information generation unit, for signing information according to the face, the historical behavior information of the creditor generates institute
State the corresponding information of offering loans of loan requests information.
Preferably, further include：
It makes loans unit, for paying phase into the account of the creditor in agreed period according to the credit information
Amount is answered to provide a loan.
Preferably, further include：
Supervision unit, for reaching the mistake for supervising creditor's utilization of a loan by the account for supervising the creditor
Journey.
Preferably, further include：
Recall money mechanism generation unit, the refund of the creditor is determined for the historical behavior information from the creditor
Ability generates the refund mechanism of the creditor according to the loan repayment capacity of the creditor and urges money mechanism.
Preferably, the historical behavior information of the creditor of the offer acquiring unit acquisition includes：Revenue and expenditure information is lost
Letter behavior, behavior of keeping one's word.
Preferably, the personal information of the resolution unit acquisition includes：Educational background, school report, personally identifiable information, family
Front yard identity information.
Preferably, the credit information generation unit includes：
The income situation, loan repayment capacity, credit feelings of the creditor are determined according to the historical behavior information of the creditor
Condition；
Loan limit is determined according to income situation, the loan repayment capacity of the creditor；
Information is signed according to the face, the loan limit generates the corresponding information of offering loans of the loan requests information.
To achieve the above object, this specification embodiment provide a kind of electronic equipment, including memory, processor and
It is stored in the computer program that can be run on the memory and on the processor, the processor executes the computer
Loan requests processing method described above is realized when program.
To achieve the above object, this specification embodiment provides a kind of readable storage medium storing program for executing, is stored thereon with computer
Program, the computer program are performed the step of realizing loan requests processing method described above.
Therefore compared with prior art, the technical program provides the loan reasonably customized for specific crowd
Service, in the relevant laws and regulations including existing associated bank industry, meets flexible and efficient utilization of the specific crowd to fund,
To improve the development for pulling related industry to a certain extent, the fast development of drive market economy, realize fund
Flexibly turnover is to improve bank portfolio utilization rate.
Detailed description of the invention
It, below will be to embodiment party in order to illustrate more clearly of this specification embodiment or technical solution in the prior art
Formula or attached drawing needed to be used in the description of the prior art are briefly described, it should be apparent that, the accompanying drawings in the following description is only
It is only some embodiments recorded in this specification, for those of ordinary skill in the art, is not paying creative labor
Under the premise of dynamic property, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is the application scenarios schematic diagram of the technical program；
Fig. 2 is a kind of loan requests processing method flow chart that this specification embodiment proposes；
Fig. 3 is a kind of loan requests processing unit functional block diagram that this specification embodiment proposes；
Fig. 4 is a kind of electronic equipment schematic diagram that this specification embodiment proposes.
Specific embodiment
Below in conjunction with attached drawing, the technical solution in the embodiment of the present disclosure is clearly and completely described with reference to attached
The non-limiting example embodiment for showing in figure and being described in detail in the following description, the example that the disclosure is more fully described below are implemented
Example and their various features and Advantageous details.It should be noted that feature shown in figure is not required to be drawn to scale.This
The open description that known materials, component and technology is omitted, to not make the example embodiment of the disclosure fuzzy.It is given
Example be only intended to be conducive to understand the implementation of disclosure example embodiment, and further enable those skilled in the art real
Apply example embodiment.Thus, these examples are understood not to the limitation to the range of embodiment of the disclosure.
Unless otherwise specifically defined, the technical term or scientific term that the disclosure uses should be disclosure fields
The ordinary meaning that the interior personage with general technical ability is understood." first ", " second " used in the disclosure and similar word
Language is not offered as any sequence, quantity or importance, and is used only to distinguish different component parts.In addition, in the disclosure
In each embodiment, same or similar reference label indicates same or similar component.
Banking does not occur in the loan mechanism for reading well-educated people at present.On the one hand, for well educated in reading
For the talent, it is difficult to there is greatly application loan；On the other hand, for bank, have for specific crowd a large amount of short-term
The client of quick credit requirement, current bank policy require the demand for being unable to satisfy this part particular customer, the assets of bank
Also it can not fully played and be utilized；Furthermore for socio-economic development, have preferably reading well-educated people
Novelty and creativity, if this groups of people can have preferable economic support, it will play good help to economic development
Power effect.
Based on the above situation, this case proposes a kind of towards in the loan mechanism for reading well-educated people.It is this towards specific
The loan mechanism of crowd, by actively filing an application reading well-educated people as defined in meeting, bank according to related auditing standards,
The loan transaction service of customization is provided for creditor, if by the application of creditor, what bank need to obtain creditor institute Shen
Fund is transferred in the personal account of creditor under one's name in specified period, and creditor completes to institute Shen under the supervision of bank
Obtain the reasonable employment (including but not limited to market investment, fund for starting an undertaking etc.) of fund.To meet specific crowd to fund more
It utilizes with increasing effect, the development for pulling related industry, the fast development for driving market economy, the flexible turnover for realizing fund.
As shown in Figure 1, being the application scenarios schematic diagram of the technical program.Following for for the sake of simplicity, in conjunction with professional application
Illustrate the loan scene 100.In this application scene, generated and sent reading well-educated people using mobile terminal 101~105
Loan requests.Loan requests can generate before innovation item starting, and under application scenarios shown in FIG. 1, loan requests are to use
The mobile terminal at family is initiated, and is sent directly on target bank server 120.It can also be had been started up with innovation item, but item
In mesh implementation procedure, in some financing stage.
In this application scene, mobile terminal 101~105 may refer to it is various possess network access facility, carry it is various
Operating system, the operating system include but is not limited to iOS, Android, Windows Phone etc..Mobile terminal can also basis
User demand customizes the terminal device of various functions, including but not limited to smart phone, tablet computer, intelligent wearable device
Deng.In addition, be equipped with relevant target Bank application APP in mobile terminal 101~105, thus loan requests can by with
Family is generated using the target Bank application APP in mobile terminal 101~105.
Target bank server 120 receives loan requests, parses to loan requests, obtains the personal letter of creditor
Breath.In the technical scheme, the personal information of creditor includes but are not limited to educational background, school report, personally identifiable information, family
Identity information.The personal information of the creditor is assessed in the audit of target bank server 120, and auditing standards include but is not limited to borrow
The personal credit situation of money people, highest educational background, whether have experience of studying abroad, read professional future market development prospect,
Creditor to Shen obtain fund using programme, whether have the ability repaid the loan within the prescribed time-limit etc..In the loan
In the case that the personal information of money people is by audit assessment, the historical behavior information of the creditor is obtained.Target bank service
Device 120 by historical behavior information can determine creditor carry out read well-educated people loan when, under one's name without it is any
Through existing bank loan business and creditor does not generate bad personal credit report.Creditor passes through site sales counter or silver
Row assistant director face label etc. handle the application that mode carries out this loan transaction, generate face in conjunction with the historical behavior information of the creditor
Sign information.In the technical scheme, target bank server 120 determines the loan from the historical behavior information of the creditor
The loan repayment capacity of people, face label information include but is not limited to loan limit, the length of maturity, refund supervision, overdue remission.Target
Bank server 120 signs information according to the face, the historical behavior information of the creditor generates the loan requests information pair
The information of offering loans answered.
In the technical scheme, the loan limit that target bank server 120 passes through audit, creditor is in loan value
Is obtained by the use (including but not limited to market investment, fund for starting an undertaking etc.) of fund and is refunded for institute Shen in service life and is recorded, is produced
It is raw in creditor's account and bill under one's name；Creditor completes related Shen and obtains using and settling accounts for fund, and undertakes refund benefit
The payment of breath and overdue fine expense；After the application time limit expires, not used Shen get fund bank has the right to recycle in time, retraction part
It no longer figures interest from dividing loan to withdraw certainly.
Seen from the above description, the technical program to have in reading well-educated people and more fill for creditor
Divide, more flexible fund carries out market investment, scientific research or innovation undertaking, growth, society for a man-based development, family
Progress all have great importance.
The technical program accelerates the flowing of fund for bank, keeps capital market more active, while being also to read
Well-educated people provides the new road of a solution economic problems, can also have preferable facilitation for economic market.
On the one hand the technical program accelerates the Capital Flow of capital market, shines capital market for market
New vitality；The second aspect can promote national innovative technology due to reading the higher creative novelty of well-educated people
Fast development；In terms of third, fund+innovation is able to solve the employment of part labour, with promoting employment of starting an undertaking；4th
Aspect, bank have opened for the case where alleviating campus loan in the loan mechanism for reading well-educated people, is facilitated, so that people
It can be grown in a healthier, more open, more harmonious environment.
Fig. 1 schematically illustrates loan requests processing environment 100 according to an embodiment of the present disclosure, which can
It can be implemented using programmable computer language, such as java, C#, asp, C++, C, Ruby, VC++, VB, FoxPro.Not by
To the limitation of computer programming language.
It is described based on above-mentioned application scenarios, in order to make the foregoing objectives, features and advantages of the present invention clearer and more comprehensible,
Below with reference to example and attached drawing, the present invention is described in further detail.
This specification embodiment provides a kind of loan requests processing method, as shown in Figure 2.Wherein, the loan requests
Processing method can be applied in bank server.Specifically, the server can be the backstage for being capable of providing financial service
Service server.In the present embodiment, the server can have data operation, store function and network to hand over for one
The electronic equipment of mutual function；Or run in the electronic equipment, support is provided for data processing, storage and network interaction
Software.Do not limit the quantity of the server specifically in the present embodiment.The server can be a server,
It can also be several servers, alternatively, the server cluster that several servers are formed.A kind of loan that this specification embodiment proposes
Money request processing method includes：
Step 201)：Obtain loan requests information.
In this step, creditor is directed to according to bank and examine certainly in the condition for reading well-educated people's loan；If meeting
The corresponding terms of loan of bank then carry out the preparation of associated materials and apply providing a loan；If being unsatisfactory for the corresponding terms of loan of bank,
Loan is not can be carried out then.In practice, creditor carries out material preparation for material needed for well-educated people's loan according to bank
And propose that loan application, the server of target bank obtain loan requests information to the bank with the business.
Step 202)：The loan requests information is parsed, the personal information of creditor is obtained.
In the present embodiment, the personal information includes：Educational background, school report, personally identifiable information, family status information.
Step 203)：The personal information of the creditor is assessed in audit.
In the present embodiment, bank carries out authenticity examination according to material of the auditing standards to creditor.Including but not only
It is limited to the authenticity examination of educational background, school report, personally identifiable information, family status information；Also, pass through the reference system of creditor
Loan repayment capacity assessment, the assessment of creditor's fund purposes of system signal auditing, creditor.
Step 204)：In the case where the personal information of the creditor is by audit assessment, obtains financial institution and borrow
Sign information, the historical behavior information of the creditor in the face of money people.
In the present embodiment, the historical behavior information of the creditor includes：Revenue and expenditure information, discreditable behavior, behavior of keeping one's word.
Step 205)：Information is signed according to the face, the historical behavior information of the creditor generates the loan requests letter
Cease corresponding information of offering loans.
In the present embodiment, the income situation of the creditor determined according to the historical behavior information of the creditor, gone back
Money ability, credit situation；Loan limit is determined according to income situation, the loan repayment capacity of the creditor；It is signed and is believed according to the face
Breath, the loan limit generate the corresponding information of offering loans of the loan requests information.If the Shen that bank passes through creditor
Please after, with creditor carry out face label, agreement loan the time limit, refund time limit, loan payment mode, the refund means of payment.
In practical applications, it according to the transmission credit information, is propped up in agreed period into the account of the creditor
Pay corresponding amount loan.The mistake for supervising creditor's utilization of a loan can also be reached by supervising the account of the creditor
Journey.
The loan repayment capacity that the creditor is determined from the historical behavior information of the creditor, according to going back for the creditor
Money ability generates the refund mechanism of the creditor and urges money mechanism.If creditor refunds not in time, bank has the right according to urging money
Mechanism carries out urging money or walks legal means；If creditor refunds in time, bank should have respective record in its reference information, avoid
It influences to provide a loan its next time.
In practice, loan the time limit be creditor's utilization of a loan duration, refund the time limit be creditor repay the loan when
It is long；Loan payment mode includes but are not limited to bank to creditor's one-off or payoff by instalment；Mode of repayment include but
Creditor is not limited only to only directly to repay to progress principal and interest repayment after the graduation of bank paying interest or creditor during reading
Also simple interest；If creditor agrees to bank's corresponding loan time limit formulated, time limit of refunding, loan payment mode, payment of refunding
Mode is then contracted；If creditor disagrees the corresponding loan time limit of bank's formulation, the time limit of refunding, loan payment mode, goes back
The money means of payment is then without signing；The granting that bank provides a loan according to the loan payment mode arranged with creditor；If because
Human factor bank does not offer loans by agreement, and creditor has the right to call to account；If not pressing agreement because of non-artificial factor bank provides loan
Money is resolved through consultation by creditor and bank.
In practical applications, whether bank rationally has the right the inspection that exercises supervision to the purposes of creditor's fund, creditor
It is obligated periodically to report fund purposes to bank；If it is illegal reasonable that the fund that bank finds creditor uses, have the right to stop
Loan before offering loans and withdrawing, creditor can appeal with regard to fund purposes to bank.
The technical program provides the financial service reasonably customized for specific crowd, including existing associated bank industry
Relevant laws and regulations in, meet flexible and efficient utilization of the specific crowd to fund, to which drawing can be improved to a certain extent
The development of dynamic related industry, the fast development for driving market economy realize the flexible turnover of fund to improve bank portfolio utilization
Rate.
As shown in figure 3, a kind of loan requests processing unit functional block diagram proposed for this specification embodiment.Including：
Loan requests acquiring unit 301, for obtaining loan requests information；
Resolution unit 302 obtains the personal information of creditor for parsing to the loan requests information；
Unit 303 is audited, for auditing the personal information for assessing the creditor；
Offer acquiring unit 304 obtains finance for the personal information in the creditor by audit assessment
Sign information, the historical behavior information of the creditor in the face of mechanism and creditor；
Credit information generation unit 305, for signing information according to the face, the historical behavior information of the creditor generates
The corresponding information of offering loans of the loan requests information.
In the present embodiment, further include：
It makes loans unit, for being propped up into the account of the creditor in agreed period according to the transmission credit information
Pay corresponding amount loan.
In the present embodiment, further include：
Supervision unit, for reaching the mistake for supervising creditor's utilization of a loan by the account for supervising the creditor
Journey.
In the present embodiment, further include：
Recall money mechanism generation unit, the refund of the creditor is determined for the historical behavior information from the creditor
Ability generates the refund mechanism of the creditor according to the loan repayment capacity of the creditor and urges money mechanism.
In the present embodiment, the historical behavior information of the creditor of the offer acquiring unit acquisition includes：Revenue and expenditure
Information, discreditable behavior, behavior of keeping one's word.
In the present embodiment, the personal information of the resolution unit acquisition includes：Educational background, school report, personal identification
Information, family status information.
In the present embodiment, the credit information generation unit includes：
First determining module determines the income feelings of the creditor for the historical behavior information according to the creditor
Condition, loan repayment capacity, credit situation；
Second determining module, for determining loan limit according to income situation, the loan repayment capacity of the creditor；
It offers loans information generating module, for signing information according to the face, the loan limit generates the loan and asks
Seek the corresponding information of offering loans of information.
As shown in figure 4, a kind of electronic equipment schematic diagram proposed for this specification embodiment.Including memory, processor
And it is stored in the computer program that can be run on the memory and on the processor, the processor executes the meter
Loan requests processing method described in above-mentioned Fig. 2 is realized when calculation machine program.
The specific function that the loan requests processing method that this specification embodiment provides, memory and processor are realized
Can, explanation can be contrasted with the aforementioned embodiments in this specification, and the technical effect of aforementioned embodiments can be reached,
Here it just repeats no more.
In the present embodiment, the memory may include the physical unit for storing information, usually by information
It is stored again with the media using the methods of electricity, magnetic or optics after digitlization.Memory described in present embodiment again may be used
To include：The device of information, such as RAM, ROM are stored in the way of electric energy；The device of information is stored in the way of magnetic energy, it is such as hard
Disk, floppy disk, tape, core memory, magnetic bubble memory, USB flash disk；Using the device of optical mode storage information, such as CD or DVD.
Certainly, there are also memories of other modes, such as quantum memory, graphene memory etc..
In the present embodiment, the processor can be implemented in any suitable manner.For example, the processor can be with
Take such as microprocessor or processor and storage can by (micro-) processor execute computer readable program code (such as
Software or firmware) computer-readable medium, logic gate, switch, specific integrated circuit (Application Specific
Integrated Circuit, ASIC), programmable logic controller (PLC) and the form etc. for being embedded in microcontroller.
In the present embodiment, this specification embodiment also provides a kind of readable storage medium storing program for executing, is stored thereon with computer journey
Sequence, the computer program are performed the step of realizing loan requests processing method described above.
It is also known in the art that in addition to realizing client and server in a manner of pure computer readable program code
In addition, completely can by by method and step carry out programming in logic come so that client and server with logic gate, switch, dedicated
The form of integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc. realizes identical function.Therefore this client
It is considered a kind of hardware component with server, and the device for realizing various functions for including in it can also be regarded
For the structure in hardware component.Or even, can will be considered as realizing the device of various functions either implementation method
Software module can be the structure in hardware component again.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
It can realize by means of software and necessary general hardware platform.Based on this understanding, the technical solution of this specification
Substantially the part that contributes to existing technology can be embodied in the form of software products in other words, the computer software
Product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes each embodiment of this specification or implementation
Method described in certain parts of mode.
Each embodiment in this specification is described in a progressive manner, same and similar between each embodiment
Part may refer to each other, what each embodiment stressed is the difference with other embodiments.In particular, needle
For the embodiment of client and server, the introduction control for being referred to the embodiment of preceding method is explained.
This specification can describe in the general context of computer-executable instructions executed by a computer, such as journey
Sequence module.Generally, program module include routines performing specific tasks or implementing specific abstract data types, programs, objects,
Component, data structure etc..This specification can also be practiced in a distributed computing environment, in these distributed computing environment
In, by executing task by the connected remote processing devices of communication network.In a distributed computing environment, program module
It can be located in the local and remote computer storage media including storage equipment.
In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example,
Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So
And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit.
Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause
This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device
(Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate
Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer
Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker
Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled
Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development,
And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language
(Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL
(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description
Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL
(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby
Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present
Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer
This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages,
The hardware circuit for realizing the logical method process can be readily available.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing
The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can
Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit,
ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller
Device：ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, are deposited
Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to
Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic
Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc.
Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it
The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions
For either the software module of implementation method can be the structure in hardware component again.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, vehicle-mounted human-computer interaction device, cellular phone, camera phone, smart phone, individual
Digital assistants, media player, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or
The combination of any equipment in these equipment of person.
Although this specification embodiment provides the method operating procedure as described in embodiment or flow chart, based on conventional
It may include either more or less operating procedure without creative means.The step of being enumerated in embodiment sequence be only
One of numerous step execution sequence mode does not represent and unique executes sequence.Device or end product in practice is held
When row, can be executed according to embodiment or method shown in the drawings sequence or it is parallel execute (such as parallel processor or
The environment of multiple threads, even distributed data processing environment).The terms "include", "comprise" or its any other change
Body is intended to non-exclusive inclusion, so that process, method, product or equipment including a series of elements are not only wrapped
Those elements are included, but also including other elements that are not explicitly listed, or further includes for this process, method, product
Or the element that equipment is intrinsic.In the absence of more restrictions, being not precluded is including process, the side of the element
There is also other identical or equivalent elements in method, product or equipment.
For convenience of description, it is divided into various modules when description apparatus above with function to describe respectively.Certainly, implementing this
The function of each module can be realized in the same or multiple software and or hardware when specification embodiment, it can also be by reality
Show the module of same function by the combination realization etc. of multiple submodule or subelement.Installation practice described above is only
Schematically, for example, the division of the unit, only a kind of logical function partition, can there is other draw in actual implementation
The mode of dividing, such as multiple units or components can be combined or can be integrated into another system, or some features can be ignored,
Or it does not execute.Another point, shown or discussed mutual coupling, direct-coupling or communication connection can be by one
The indirect coupling or communication connection of a little interfaces, device or unit can be electrical property, mechanical or other forms.
It is also known in the art that other than realizing controller in a manner of pure computer readable program code, it is complete
Entirely can by by method and step carry out programming in logic come so that controller with logic gate, switch, specific integrated circuit, programmable
Logic controller realizes identical function with the form for being embedded in microcontroller etc..Therefore this controller is considered one kind
Hardware component, and the structure that the device for realizing various functions that its inside includes can also be considered as in hardware component.Or
Person even, can will be considered as realizing the device of various functions either the software module of implementation method can be hardware again
Structure in component.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It will be understood by those skilled in the art that the embodiment of this specification can provide as the production of method, system or computer program
Product.Therefore, in terms of this specification embodiment can be used complete hardware embodiment, complete software embodiment or combine software and hardware
Embodiment form.Moreover, it wherein includes computer available programs that this specification embodiment, which can be used in one or more,
Implement in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of code
The form of computer program product.
This specification embodiment can describe in the general context of computer-executable instructions executed by a computer,
Such as program module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, journey
Sequence, object, component, data structure etc..This specification embodiment can also be practiced in a distributed computing environment, in these points
Cloth calculates in environment, by executing task by the connected remote processing devices of communication network.In distributed computing ring
In border, program module can be located in the local and remote computer storage media including storage equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ",
The description of " specific example " or " some examples " etc. means specific features described in conjunction with this embodiment or example, structure, material
Or feature is contained at least one embodiment or example of this specification embodiment.In the present specification, to above-mentioned term
Schematic representation be necessarily directed to identical embodiment or example.Moreover, description specific features, structure, material or
Person's feature may be combined in any suitable manner in any one or more of the embodiments or examples.In addition, in not conflicting feelings
Under condition, those skilled in the art by different embodiments or examples described in this specification and different embodiment or can show
The feature of example is combined.
The foregoing is merely the embodiments of this specification embodiment, are not limited to this specification embodiment.It is right
For those skilled in the art, this specification embodiment can have various modifications and variations.It is all in this specification embodiment
Any modification, equivalent replacement, improvement and so within spirit and principle, the right that should be included in this specification embodiment are wanted
Within the scope of asking.
Although depicting this specification by embodiment, it will be appreciated by the skilled addressee that there are many this specification
Deformation and change without departing from this specification spirit, it is desirable to the attached claims include these deformation and change without departing from
The spirit of this specification.
Claims (16)
1. a kind of loan requests processing method, which is characterized in that including：
Obtain loan requests information；
The loan requests information is parsed, the personal information of creditor is obtained；
The personal information of the creditor is assessed in audit；
In the case where the personal information of the creditor is by audit assessment, the face label for obtaining financial institution and creditor are believed
It ceases, the historical behavior information of the creditor；
Information is signed according to the face, the historical behavior information of the creditor generates the corresponding granting of the loan requests information and borrows
Money information.
2. the method as described in claim 1, which is characterized in that further include：
According to the credit information, corresponding amount loan is paid into the account of the creditor in agreed period.
3. method according to claim 2, which is characterized in that further include：
Reach the process for supervising creditor's utilization of a loan by supervising the account of the creditor.
4. the method as described in claim 1, which is characterized in that further include：
The loan repayment capacity that the creditor is determined from the historical behavior information of the creditor, according to the refund energy of the creditor
Power generates the refund mechanism of the creditor and urges money mechanism.
5. the method as described in claim 1, which is characterized in that the historical behavior information of the creditor includes：Revenue and expenditure information,
Discreditable behavior, behavior of keeping one's word.
6. the method as described in claim 1, which is characterized in that the personal information includes：Educational background, school report, personal identification
Information, family status information.
7. the method as described in claim 1, which is characterized in that sign the historical behavior of information, the creditor according to the face
Information generate the loan requests information it is corresponding offer loans information the step of include：
The income situation, loan repayment capacity, credit situation of the creditor are determined according to the historical behavior information of the creditor；
Loan limit is determined according to income situation, the loan repayment capacity of the creditor；
Information is signed according to the face, the loan limit generates the corresponding information of offering loans of the loan requests information.
8. a kind of loan requests processing unit, which is characterized in that including：
Loan requests acquiring unit, for obtaining loan requests information；
Resolution unit obtains the personal information of creditor for parsing to the loan requests information；
Unit is audited, for auditing the personal information for assessing the creditor；
Offer acquiring unit, for the personal information in the creditor by audit assessment, obtain financial institution with
Sign information, the historical behavior information of the creditor in the face of creditor；
Credit information generation unit, for signing information according to the face, the historical behavior information of the creditor generates the loan
The corresponding information of offering loans of money solicited message.
9. device as claimed in claim 8, which is characterized in that further include：
It makes loans unit, for paying corresponding volume into the account of the creditor in agreed period according to the credit information
Degree loan.
10. device as claimed in claim 9, which is characterized in that further include：
Supervision unit, for reaching the process for supervising creditor's utilization of a loan by the account for supervising the creditor.
11. device as claimed in claim 8, which is characterized in that further include：
Recall money mechanism generation unit, for determining the refund energy of the creditor from the historical behavior information of the creditor
Power generates the refund mechanism of the creditor according to the loan repayment capacity of the creditor and urges money mechanism.
12. device as claimed in claim 8, which is characterized in that the creditor's that the offer acquiring unit obtains goes through
History behavioural information includes：Revenue and expenditure information, discreditable behavior, behavior of keeping one's word.
13. device as claimed in claim 8, which is characterized in that the personal information that the resolution unit obtains includes：It learns
It goes through, school report, personally identifiable information, family status information.
14. device as claimed in claim 8, which is characterized in that the credit information generation unit includes：
First determining module determines the income situation of the creditor for the historical behavior information according to the creditor, goes back
Money ability, credit situation；
Second determining module, for determining loan limit according to income situation, the loan repayment capacity of the creditor；
It offers loans information generating module, for signing information according to the face, the loan limit generates the loan requests and believes
Cease corresponding information of offering loans.
15. a kind of electronic equipment, including memory, processor and it is stored on the memory and can be on the processor
The computer program of operation, which is characterized in that the processor realizes claim 1~7 times when executing the computer program
It anticipates loan requests processing method described in a claim.
16. a kind of readable storage medium storing program for executing, is stored thereon with computer program, which is characterized in that the computer program is performed
The step of loan requests processing method described in Shi Shixian claim 1~7 any one claim.
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| CN201811086615.5A CN108876601A (en) | 2018-09-18 | 2018-09-18 | A kind of loan requests processing method, device, electronic equipment and storage medium |
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| CN201811086615.5A CN108876601A (en) | 2018-09-18 | 2018-09-18 | A kind of loan requests processing method, device, electronic equipment and storage medium |
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| CN110135944A (en) * | 2019-04-15 | 2019-08-16 | 深圳壹账通智能科技有限公司 | Loan product recommended method, device, computer equipment and storage medium |
| CN112102066A (en) * | 2020-09-11 | 2020-12-18 | 中国银行股份有限公司 | Initial examination method, device and system for outgoing personal loan |
| CN113724077A (en) * | 2021-09-16 | 2021-11-30 | 中国银行股份有限公司 | Loan approval method, device and system |
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