CN109377346A - One kind is made loans method and system - Google Patents
One kind is made loans method and system Download PDFInfo
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- CN109377346A CN109377346A CN201811110029.XA CN201811110029A CN109377346A CN 109377346 A CN109377346 A CN 109377346A CN 201811110029 A CN201811110029 A CN 201811110029A CN 109377346 A CN109377346 A CN 109377346A
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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
It makes loans method and system this application provides one kind.The described method includes: determining whether the time of making loans is located in preset time period；In the case where being located in preset time period, application of making loans is sent to capital according to customer data；In the case where being not located in preset time period, application of making loans directly is sent to capital according to customer data at the specified time point, wherein, the specified time point is the time point determined according to capital's service time, and the specified time point is not in the preset time period.
Description
Technical field
It makes loans method and system this application involves computer field more particularly to one kind.
Background technique
Currently in order to adapting to public demand, loan product on the market emerges one after another, and user proposes loaning bill Shen according to demand
Please after, financial institution can audit loan application, make loans after qualified, wherein the stable relation made loans is received to company
Benefit and customer experience.
The loan typically capital that makes loans is helped to make loans, but different capitals there are different process requirements to making loans, and support secondary puts
The capital of money is different to the secondary timing node made loans, and the secondary capital that makes loans is not supported to need new capital to be added and new
Capital is also different to the secondary timing node made loans, and these problems generally require manually to carry out Screening Treatment, this is processed
Journey expends a large amount of manpowers and processing time, greatly reduces make loans efficiency and the customer experience for helping and borrowing platform.
Summary of the invention
It makes loans method and system this application provides one kind, the artificial treatment secondary time made loans can be saved and raising is put
Money efficiency.
It makes loans method in a first aspect, providing one kind, comprising the following steps:
Determine whether the time of making loans is located in preset time period；
In the case where being located in preset time period, application of making loans is sent to capital according to customer data；
In the case where being not located in preset time period, directly sent at the specified time point to capital according to customer data
It makes loans application, wherein the specified time point is the time point determined according to capital's service time, and the specified time point does not exist
In the preset time period.
Optionally, it is upper once make loans failure in the case where, according to customer data to capital send make loans application include: from
Customer service system, which obtains, to be prepared in this customer data used of making loans；Described this is made loans the customer data used and last time
The customer data used when making loans is matched；In the case where the first matching result is inconsistent, made loans according to described this
The customer data used sends application of making loans to capital.
Optionally, the method also includes: the first matching result be unanimous circumstances under, by first matching result
It is sent to customer service system, wherein the customer service system is used to modify the customer data according to the matching result；Receive customer service
The modified customer data that system is sent；The last time is made loans the customer data that uses and modified customer data into
Row matching；In the case where the second matching result is inconsistent, is sent and made loans to capital according to the modified customer data
Application.
Optionally, the customer data is the data of debit customers, and the customer data includes cooperation trade company's loaning bill data
And personal loan's data, wherein the cooperation trade company loaning bill data include: cooperation trade company make loans card number, cooperation trade company make loans
Card number open an account name, cooperation bank of deposit of trade company coding and cooperation bank of deposit of trade company name information；The debit customers data include:
Debit's card number, debit card number of making loans of making loans is opened an account name, debit bank of deposit coding, debit bank of deposit name information.
Optionally, the method also includes: be inconsistent number in first matching result and the second matching result
In the case where being more than second threshold more than first threshold or first matching result and the second matching result for consistent number,
Early warning mail is periodically exported to system maintenance personnel's mailbox；Same early warning mail output times are more than or equal to output threshold value
When, stop sending the early warning mail to system maintenance personnel's mailbox.
Second aspect provides one kind and makes loans system, including determination unit, the first transmission unit and second send it is single
Member,
The determination unit is for determining whether the time of making loans is located in preset time period；
First transmission unit is used in the case where being located in preset time period, is sent according to customer data to capital
It makes loans application；
Second transmission unit is used in the case where being not located in preset time period, at the specified time point according to visitor
User data directly sends application of making loans to capital, wherein the specified time point is the time determined according to capital's service time
Point, the specified time point is not in the preset time period.
Optionally, it is upper once make loans failure in the case where, first transmission unit specifically include acquiring unit, matching
Unit and third transmission unit, the acquiring unit, which is used to obtain from customer service system, to be prepared in this client's number used of making loans
According to, wherein the customer data includes capital's customer data and debit customers data；The matching unit be used for will it is described this
The customer data used when the customer data used is made loans with the last time of making loans is matched；The third transmission unit is used for
In the case that first matching result is inconsistent, Shen of making loans to capital is sent according to the make loans customer data that uses of described this
Please.
Optionally, first transmission unit further includes the 4th transmission unit, and the 4th transmission unit is used for first
Matching result is first matching result to be sent to customer service system, wherein the customer service system is used under unanimous circumstances
The customer data is modified according to the matching result；4th transmission unit is also used to receive the modification of customer service system transmission
Customer data afterwards；4th transmission unit is also used to make loans the last time customer data that uses and modified visitor
User data is matched；4th transmission unit is also used in the case where the second matching result is inconsistent, according to described
Modified customer data sends application of making loans to capital.
Optionally, the customer data is the data of debit customers, and the customer data includes cooperation trade company's loaning bill data
And personal loan's data, wherein the cooperation trade company loaning bill data include: cooperation trade company make loans card number, cooperation trade company make loans
Card number open an account name, cooperation bank of deposit of trade company coding and cooperation bank of deposit of trade company name information；The debit customers data include:
Debit's card number, debit card number of making loans of making loans is opened an account name, debit bank of deposit coding, debit bank of deposit name information.
Optionally, the system also includes prewarning unit, the prewarning unit is used in first matching result and the
Two matching results are that inconsistent number is more than first threshold or first matching result and the second matching result is consistent
In the case that number is more than second threshold, early warning mail is periodically exported to system maintenance personnel's mailbox；The prewarning unit is also used
When same early warning mail output times are more than or equal to output threshold value, stop sending the early warning mail to system maintenance people
Member's mailbox.
Through the above scheme, it is first determined whether the time of making loans is located in preset time period, thus being located at preset time
In the case where in section, application of making loans is sent to capital according to customer data；In the case where being not located in preset time period,
Specified time point directly sends to capital according to customer data and makes loans apply, wherein it is upper it is primary make loans failure in the case where, root
It sends application of making loans to capital according to customer data and refers to obtaining from customer service system and prepare in this customer data used of making loans,
The customer data used when this described customer data used of making loans is made loans with the last time matches, thus at first
In the case where being inconsistent with result, application of making loans to capital is sent according to the make loans customer data that uses of described this.It is above-mentioned
Scheme carries out making loans for both of which according to the different periods respectively, is put by the customer data and last time that use this
The customer data that money unsuccessfully uses is matched to determine whether customer service system has modified customer data, to reach high-accuracy
The purpose made loans saves the time that staff handles failure item of making loans, improves efficiency of making loans.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of application for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is a kind of flow diagram of method of making loans provided by the present application；
Fig. 2 is a kind of idiographic flow schematic diagram of method mode one of making loans provided by the present application；
Fig. 3 is a kind of idiographic flow schematic diagram of method mode two of making loans provided by the present application；
Fig. 4 is a kind of structural schematic diagram of system of making loans provided by the present application；
Fig. 5 is a kind of structural schematic diagram of the first transmission unit of system of making loans provided by the present application；
Fig. 6 is a kind of structural schematic diagram of processor provided by the present application.
Specific embodiment
The application is described in further detail below by specific embodiment combination attached drawing.In the following embodiments and the accompanying drawings
In, many datail descriptions are in order to enable the application can be better understood.However, those skilled in the art can be without lifting an eyebrow
Recognize, part of feature is dispensed in varied situations, or can be substituted by other methods.Certain
In the case of, the relevant some operations of the application are there is no display in the description or describe, this is the core in order to avoid the application
Center portion point is flooded by excessive description.To those skilled in the art, be described in detail these relevant operations be not must
It wants, they can completely understand relevant operation according to the general technology knowledge of description and this field in specification.
It should be appreciated that ought use in this specification and in the appended claims, term " includes " and "comprising" instruction
Described feature, entirety, step, operation, the presence of element and component, but be not precluded one or more of the other feature, entirety,
Step, operation, the presence or addition of element, component and/or its set.
It should be noted that the term used in the embodiment of the present application is only merely for the mesh of description specific embodiment
, it is not intended to be limiting the application." the one of the embodiment of the present application and singular used in the attached claims
Kind ", " described " and "the" are also intended to including most forms, unless the context clearly indicates other meaning.
The method and system of making loans of the embodiment of the present application can be applied in multiple fields, for example, bank, financing corporation, mutually
The point-to-point loan platform (Person-to-Person, P2P) of networking finance, auto financing company or guarantee corporation etc. may be implemented
The company etc. for borrowing or lending money operation, is not especially limited herein.
Fig. 1 is a kind of flow diagram of method of making loans provided by the embodiments of the present application.As shown in Figure 1, the present embodiment
Method of making loans the following steps are included:
S101: determine whether the time of making loans is located in preset time period.
In the embodiment of the present application, when start to make loans process when, it is first determined whether the time of making loans is located at preset time period
It is interior, wherein the preset time period is the time range determined according to capital's service time.That is, according to corresponding capital
The service window phase determine preset time period.Such as: confirm that A bank can only extremely in the morning at 8 points according to the service window phase of A capital
12 noon is made loans, B bank can only in the afternoon 2 points to 6 points at night make loans, therefore in the morning 8 points to 12 noon
A bank client data preparation is obtained from customer service system and carries out process of making loans, and obtains B from customer service system at 2 points to 6 points at night in the afternoon
Bank client data preparation carries out process of making loans.It should be understood that the above citing can not constitute specific restriction only as explanation.
In the embodiment of the present application, process of making loans each time can be carries out in regular intervals, that is to say, that
Determine whether the time of once making loans is located in preset time period every the set time, such as: daily 8:00-23:00 is default
Period, whole day carried out process of once making loans every 30 minutes, and whether process of making loans every time determines current time first after starting
Between 8:00-23:00.It is understood that the Fixed Time Interval is after linking up with capital between time for confirming
Every, it is to be appreciated that different capitals possess different requirements of making loans, such as: part capital does not receive that frequency is higher secondary to put
Money application, therefore the Fixed Time Interval can freely be configured according to capital's demand.It should be understood that the above citing is only used as explanation,
Specific restriction can not be constituted.
S102: in the case where being located in preset time period, application of making loans is sent to capital according to customer data.
In the embodiment of the present application, process of making loans can there are two modes, in the situation decentralization being located in preset time period
Money process is mode one, sends application of making loans to capital according to customer data at this time.Wherein, it is upper once make loans failure the case where
Under, sending application of making loans to capital according to customer data may is that from customer service system acquisition preparation in this visitor used that makes loans
User data；The customer data used when this described customer data used of making loans is made loans with the last time matches.
In the embodiment of the present application, this make loans customer data for using and the last customer data used when making loans into
Matched first matching result of row can be consistent and inconsistent, wherein in the case where the first matching result is inconsistent, root
To capital application of making loans is sent according to the make loans customer data that uses of described this；In the case where the first matching result is unanimous circumstances,
First matching result is sent to customer service system, wherein the customer service system is used to modify institute according to the matching result
State customer data；Receive the modified customer data that customer service system is sent；The last time is made loans the customer data used
It is matched with modified customer data；In the case where the second matching result is inconsistent, according to the modified visitor
User data sends application of making loans to capital；In the case where the second matching result is unanimous circumstances, second matching result is sent
To customer service system.
In the embodiment of the present application, customer service system can be with according to the method that the matching result modifies the customer data
It is, after contact staff links up according to matching result with corresponding debit, repairing after customer service system record contact staff's communication
Change result.
Below by taking Fig. 2 as an example, the mode one in a kind of method of making loans of the application is specifically illustrated, wherein
It is mode one in the case where being located in preset time period, Fig. 2 is a kind of process of method mode one of making loans provided by the present application
Schematic diagram, as shown in Fig. 2, it is upper once make loans failure in the case where, system of making loans from customer service system obtain customer data, by institute
It states customer data to be matched with the customer data of last failure of making loans, in the case where matching unanimous circumstances, sends modification application
To customer service system, in the case that matching is inconsistent, transmission, which is made loans, to be applied to capital's system.It is understood that matching is consistent
It is unmodified wrong data that situation, which represents current customer data still, and matching inconsistent situation represents current client
Data have been modified data, therefore progress matching step can filter out unmodified customer data, put to improve
The success rate of money.It should be understood that process shown in Fig. 2 of making loans is as just for example, specific restriction can not be constituted.
In the embodiment of the present application, the customer data is the data of debit customers, and the customer data includes partner
Family loaning bill data and personal loan's data, wherein the cooperation trade company loaning bill data include: cooperation trade company make loans card number, close
As trade company make loans card number open an account name, cooperation bank of deposit of trade company coding and cooperation bank of deposit of trade company name information；The debit visitor
User data includes: that debit's card number, debit card number of making loans of making loans is opened an account name, debit bank of deposit coding, debit bank of deposit name information.
Wherein, the customer data in customer service system can be the correct customer data of acknowledged information of having communicated with client, can also be with
It is the correct customer data of acknowledged information of not communicating with client also.It should be understood that cooperation trade company can be the retail shop cooperated under line,
Such as: certain client goes only to pay down payment when buying mobile phone at cooperation trade company, and remaining remittance for the proceeds is divided by loan platform
Phase payment, certain artificial client of loaning bill at this time, but capital makes loans remaining remittance for the proceeds into the bank card of cooperation trade company.
In the embodiment of the present application, sending application of making loans to capital according to customer data can be by wired or wireless
Mode is sent.It wherein, wirelessly include general packet radio service technology (General Packet Radio
Service, GPRS), WLAN (Wireless Local Area Networks, WLAN), purple honeybee (ZigBee), bluetooth
(Bluetooth), near-field communication (Near Field Communication, NFC) etc., wired mode includes cable, copper
Line, RS232, RS458 etc..It should be understood that the citing of above-mentioned communication modes is only used for being illustrated, specific limit should not be constituted
It is fixed.
S103: in the case where being not located in preset time period, at the specified time point according to customer data directly to money
Side sends application of making loans.
In the embodiment of the present application, in the case where being not located in preset time period, process of making loans is mode two, mode
Two can be directly to be sent to capital according to customer data at the specified time point and make loans application, wherein the specified time point is
According to the time point that capital's service time determines, the specified time point is not in the preset time period.Such as: preset time
Section is daily 8:00-23:00, determines four big rows service time according to capital and other most of capitals are for 7 points in the morning
The service window phase, therefore specified time point is set as daily 7:00 in morning, that is to say, that daily 8:00-23:00 is every 30 points
Clock executes a mode one, mode two of 7 points of execution in daily morning.It should be understood that the example above is merely illustrative, it can not
Constitute specific limit.
Below by taking Fig. 3 as an example, the mode two in a kind of method of making loans of the application is specifically illustrated, wherein
It is mode two in the case where being not located in preset time period, Fig. 3 is a kind of method mode two of making loans provided by the present application
Flow diagram, as shown in figure 3, system of making loans obtains customer data, while root from customer service system when reaching specified time point
It makes loans and applies to capital's system according to the customer data transmission of the customer data and last failure of making loans, it is to be understood that
The effect of mode two is the application that can be made loans according to the customer data transmission omitted before, such as: the preset time of mode one is
Daily 8:00-23:00, the customer data that customer service system is modified in 22:58 or morning 2:00 7 points of modes of seeking unity of action in the morning
Two make loans, it is ensured that the customer data after all modifications can be sent to the execution of capital's system in time and make loans, it should be appreciated that with
Upper citing is only used for illustrating, and can not constitute specific restriction.
It in the embodiment of the present application, be inconsistent number in first matching result and the second matching result is more than the
It is periodically defeated in the case that one threshold value or first matching result and the second matching result are more than second threshold for consistent number
Early warning mail is to system maintenance personnel's mailbox out；When same early warning mail output times are more than or equal to output threshold value, stop
The early warning mail is sent to system maintenance personnel's mailbox.It is understood that the early warning mail can to matching result into
Row monitoring, help system maintenance personnel is safeguarded according to matching result to system and troubleshooting, greatly reduces system
Failure cause to make loans retardation a possibility that, to further ensure efficiency of making loans.
Through the above scheme, it is first determined whether the time of making loans is located in preset time period, thus being located at preset time
In the case where in section, application of making loans is sent to capital according to customer data；In the case where being not located in preset time period,
Specified time point directly sends to capital according to customer data and makes loans apply, wherein it is upper it is primary make loans failure in the case where, root
It sends application of making loans to capital according to customer data and refers to obtaining from customer service system and prepare in this customer data used of making loans,
The customer data used when this described customer data used of making loans is made loans with the last time matches, thus at first
In the case where being inconsistent with result, application of making loans to capital is sent according to the make loans customer data that uses of described this.It is above-mentioned
Scheme carries out making loans for both of which according to the different periods respectively, is put by the customer data and last time that use this
The customer data that money unsuccessfully uses is matched to determine whether customer service system has modified customer data, to reach high-accuracy
The purpose made loans saves the time that staff handles failure item of making loans, improves efficiency of making loans.
Fig. 4 is a kind of structural schematic diagram of system of making loans provided by the present application, as shown in Figure 4, the system of making loans of the application
Including including determination unit 401, the first transmission unit 402, the second transmission unit 403 and prewarning unit 408,
The determination unit 401 is for determining whether the time of making loans is located in preset time period.
In the embodiment of the present application, when start to make loans process when, determination unit 401 determines whether time of making loans is located at first
In preset time period, wherein the preset time period is the time range determined according to capital's service time.That is, root
The service window phase of corresponding capital is confirmed service time according to capital and as preset time period.Such as: it is serviced according to capital
Time confirmation A bank can only in the morning 8 points make loans to 12 noon, B bank can only in the afternoon 2 points to 6 points of progress at night
Make loans, thus in the morning 8 points to 12 noon from customer service system obtain A bank client data preparation carry out process of making loans, under
2 points of noon obtain B bank client data preparation from customer service system to 6 points at night and carry out process of making loans.It should be understood that the above citing is only made
To illustrate, specific restriction can not be constituted.
In the embodiment of the present application, process of making loans each time can be carries out in regular intervals, that is to say, that
Determine whether the time of once making loans is located in preset time period every set time determination unit 401, such as: daily 8:00-
23:00 is preset time period, and whole day carried out process of once making loans every 30 minutes, and determination first is worked as after process of making loans every time starts
Whether the preceding time is between 8:00-23:00.It is understood that the Fixed Time Interval is confirmed after linking up with capital
Time interval, it is to be appreciated that different capitals possess different requirements of making loans, such as: it is higher that part capital does not receive frequency
Secondary application of making loans, therefore the Fixed Time Interval can freely be configured according to capital's demand.It should be understood that the above citing is only made
To illustrate, specific restriction can not be constituted.
First transmission unit 402 is used in the case where being located in preset time period, according to customer data to capital
Transmission is made loans application.
In the embodiment of the present application, process of making loans can there are two modes, in the situation decentralization being located in preset time period
Money process is mode one, sends application of making loans to capital according to customer data at this time.Fig. 5 is one kind side of making loans provided by the present application
The structural schematic diagram of the first transmission unit of method, as shown in figure 5, it is upper once make loans failure in the case where, described first send it is single
Member specifically includes acquiring unit 404, matching unit 405, third transmission unit 406 and the 4th transmission unit 407,
The acquiring unit 404, which is used to obtain from customer service system, to be prepared in this customer data used of making loans, wherein institute
Stating customer data includes capital's customer data and debit customers data.
In the embodiment of the present application, the customer data that the acquiring unit 404 obtains is the data of debit customers, the visitor
User data includes cooperation trade company's loaning bill data and personal loan's data, wherein the cooperation trade company loaning bill data include: cooperation
Trade company make loans card number, cooperation trade company make loans card number open an account name, cooperation bank of deposit of trade company coding and cooperation bank of deposit of trade company title
Information；The debit customers data include: that debit's card number, debit card number of making loans of making loans is opened an account name, debit bank of deposit coding, debit
Bank of deposit's name information.Wherein, it is correct to can be acknowledged information of having communicated with client for the customer data in customer service system
Customer data is also possible to the correct customer data of acknowledged information of not communicating with client also.It should be understood that cooperation trade company can be
The retail shop cooperated under line, such as: certain client goes only to pay down payment when buying mobile phone at cooperation trade company, and remaining remittance for the proceeds passes through
Loan platform is paid by instalments, certain artificial client of loaning bill at this time, but capital makes loans remaining remittance for the proceeds to partner
In the bank card at family.
The matching unit 405 is used for the visitor used when this described customer data used of making loans is made loans with the last time
User data is matched.Matching unit 405 makes loans this customer data that uses and the last client's number used when making loans
It can be according to matched first matching result of progress consistent and inconsistent, wherein the third transmission unit 406 is used for first
In the case that matching result is inconsistent, application of making loans to capital is sent according to the make loans customer data that uses of described this.
In the embodiment of the present application, the 4th transmission unit 407 is used in the case where the first matching result is unanimous circumstances,
First matching result is sent to customer service system, wherein the customer service system is used to modify institute according to the matching result
State customer data；4th transmission unit 407 is also used to receive the modified customer data of customer service system transmission；Described
Four transmission units 407 customer data used that is also used to make loans the last time is matched with modified customer data；
4th transmission unit 407 is also used in the case where the second matching result is inconsistent, according to the modified client
Data send application of making loans to capital.
In the embodiment of the present application, customer service system can be with according to the method that the matching result modifies the customer data
It is, after contact staff links up according to matching result with corresponding debit, repairing after customer service system record contact staff's communication
Change result.
In the embodiment of the present application, the first transmission unit 402, the second transmission unit 403, third transmission unit 406 and
4th transmission unit 407 sends application of making loans to capital can be by wired or wirelessly send.Wherein, wirelessly
Mode include general packet radio service technology (General Packet Radio Service, GPRS), WLAN
(Wireless Local Area Networks, WLAN), purple honeybee (ZigBee), bluetooth (Bluetooth), near-field communication
(Near Field Communication, NFC) etc., wired mode includes cable, copper wire, RS232, RS458 etc..It answers
Understand, the citing of above-mentioned communication modes is only used for being illustrated, and should not constitute specific restriction.
Second transmission unit 403 is used in the case where being not located in preset time period, at the specified time point root
Application of making loans directly is sent to capital according to customer data, wherein the specified time point is determined service time according to capital
At time point, the specified time point is not in the preset time period.
In the embodiment of the present application, in the case where being not located in preset time period, process of making loans is mode two, mode
Two, which can be the second transmission unit 403, directly sends application of making loans to capital according to customer data at the specified time point, wherein institute
Stating specified time point is the time point determined according to capital's service time, and the specified time point is not in the preset time period
It is interior.Such as: preset time period is daily 8:00-23:00, determines four big rows and other major parts service time according to capital
Capital in the morning 7 points be the service window phase, therefore specified time point is set as daily 7:00 in morning, that is to say, that daily 8:
00-23:00 is every the mode one of execution in 30 minutes, mode two of 7 points of execution in daily morning.It should be understood that the example above is only
It is merely to illustrate, specific restriction can not be constituted.
The prewarning unit 408 is used in first matching result be that inconsistent number is more than with the second matching result
First threshold or first matching result and the second matching result are in the case that consistent number is more than second threshold, periodically
Early warning mail is exported to system maintenance personnel's mailbox；When same early warning mail output times are more than or equal to output threshold value, stop
The early warning mail is only sent to system maintenance personnel's mailbox.It is understood that the early warning mail can be to matching result
It is monitored, help system maintenance personnel is safeguarded according to matching result to system and troubleshooting, greatly reduces and is
System failure cause to make loans retardation a possibility that, to further ensure efficiency of making loans.
Through the above scheme, determine whether the time of making loans is located in preset time period by determination unit 401, it is pre- being located at
If in the case where in the period, the first transmission unit 402 sends application of making loans to capital according to customer data；It is pre- being not located at
If in the case where in the period, the second transmission unit 403 directly sends to capital according to customer data make loans at the specified time point
Application, wherein it is upper once make loans failure in the case where, the acquiring unit 404 in the first transmission unit 402 is obtained from customer service system
Take preparation in this customer data used of making loans, matching unit 405 makes loans described this customer data and upper one used
The secondary customer data used when making loans is matched, in the case where the first matching result is inconsistent, third transmission unit 406
To capital application of making loans is sent according to the make loans customer data that uses of described this.Above scheme, according to the different period point
Not carry out both of which make loans, carried out by the customer data for using this and the last time customer data that failure uses of making loans
Matching, to achieve the purpose that high-accuracy is made loans, saves work people to determine whether customer service system has modified customer data
Member handles the time for failure item of making loans, and improves efficiency of making loans.
Fig. 6 is a kind of structure chart of server provided by the embodiments of the present application.As shown in fig. 6, the service in the present embodiment
Device may include: one or more processors 601；One or more input equipments 602, one or more 603 Hes of output equipment
Memory 604.Above-mentioned processor 601, input equipment 602, output equipment 603 and memory 604 are connected by bus 605.It deposits
Reservoir 602 includes program instruction for storing computer program, the computer program, and processor 601 is for executing memory
The program instruction of 602 storages.
In the embodiment of the present application, alleged processor 601 can be central processing unit (Central Processing
Unit, CPU), which can also be other general processors, digital signal processor (Digital Signal
Processor, DSP), it is specific integrated circuit (Application Specific Integrated Circuit, ASIC), existing
At programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic device, discrete
Door or transistor logic, discrete hardware components etc..General processor can be microprocessor or the processor can also
To be any conventional processor etc..
Input equipment 602 may include that Trackpad, fingerprint adopt sensor (for acquiring the finger print information and fingerprint of user
Directional information), microphone etc., output equipment 603 may include display (LCD etc.), loudspeaker etc..
Memory 604 may include volatile memory, such as random access memory (Random Access
Memory,RAM)；Memory also may include nonvolatile memory, such as read-only memory (Read-Only Memory,
ROM), flash memory (Flash Memory), hard disk (Hard Disk Drive, HDD) or solid state hard disk (Solid-State
Drive, SSD), memory can also include the combination of the memory of mentioned kind.Memory 604 can be deposited using centralization
Storage can also use distributed storage, be not especially limited herein.It is understood that memory 604 is for storing computer
Program, such as: computer program instructions etc..In the embodiment of the present application, memory 604 can provide instruction to processor 601
And data.
In the specific implementation, processor 601, input equipment 602 described in the embodiment of the present application, output equipment 603, depositing
Reservoir 604, bus 605 can be performed is retouched in the first embodiment and second embodiment of method provided by the embodiments of the present application of making loans
The implementation stated, details are not described herein.
In several embodiments provided herein, it should be understood that disclosed method and system can pass through it
Its mode is realized.For example, system embodiment described above is only schematical, for example, the division of the unit, only
Only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components can be tied
Another system is closed or is desirably integrated into, or some features can be ignored or not executed.In addition, shown or discussed phase
Coupling, direct-coupling or communication connection between mutually can be through some interfaces, the INDIRECT COUPLING or communication of system or unit
Connection is also possible to electricity, mechanical or other form connections.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit, some or all of unit therein can be selected to realize the embodiment of the present application side according to the actual needs
Case.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, is also possible to two or more units and is integrated in one unit.It is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the application
Portion or part steps.And storage medium above-mentioned includes: that USB flash disk, mobile hard disk, ROM, RAM, magnetic or disk etc. are various can be with
Store the medium of program code.
The above, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, it is any
Those familiar with the art within the technical scope of the present application, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should all cover within the scope of protection of this application.Therefore, the protection scope of the application should be with right
It is required that protection scope subject to.
Claims (10)
- The method 1. one kind is made loans characterized by comprisingDetermine whether the time of making loans is located in preset time period；In the case where being located in preset time period, application of making loans is sent to capital according to customer data；In the case where being not located in preset time period, is directly sent make loans to capital according to customer data at the specified time point Application, wherein the specified time point is the time point determined according to capital's service time, and the specified time point is not described In preset time period.
- 2. the method according to claim 1, wherein it is upper once make loans failure in the case where, according to client's number Include: according to application of making loans is sent to capitalIt obtains and prepares in this customer data used of making loans from customer service system；The customer data used when this described customer data used of making loans is made loans with the last time matches；In the case where the first matching result is inconsistent, sends and put to capital according to the make loans customer data that uses of described this Money application.
- 3. according to the method described in claim 2, it is characterized in that, the method also includes:In the case where the first matching result is unanimous circumstances, first matching result is sent to customer service system, wherein the visitor Dress system is used to modify the customer data according to the matching result；Receive the modified customer data that customer service system is sent；The customer data used that the last time is made loans is matched with modified customer data；In the case where the second matching result is inconsistent, Shen of making loans is sent to capital according to the modified customer data Please.
- 4. according to the method described in claim 2, it is characterized in that, the customer data is the data of debit customers, the visitor User data includes cooperation trade company's loaning bill data and personal loan's data, whereinThe cooperation trade company loaning bill data include: cooperation trade company make loans card number, cooperation trade company make loans card number open an account name, cooperation trade company Bank of deposit's coding and cooperation bank of deposit of trade company name information；The debit customers data include: that debit's card number, debit card number of making loans of making loans is opened an account name, debit bank of deposit coding, debit Bank of deposit's name information.
- 5. according to claim 1 to method described in 3 any claims, which is characterized in that the method also includes:It is matched for inconsistent number more than first threshold or described first in first matching result with the second matching result It as a result is in the case that consistent number is more than second threshold, periodically to export early warning mail to system maintenance with the second matching result Personnel's mailbox；When same early warning mail output times are more than or equal to output threshold value, stop sending the early warning mail to system maintenance Personnel's mailbox.
- The system 6. one kind is made loans, which is characterized in that including determination unit, the first transmission unit and the second transmission unit,The determination unit is for determining whether the time of making loans is located in preset time period；First transmission unit is used to be sent and be made loans to capital according to customer data in the case where being located in preset time period Application；Second transmission unit is used in the case where being not located in preset time period, at the specified time point according to client's number It makes loans apply according to directly being sent to capital, wherein the specified time point is according to the time point of capital's service time determination, institute Specified time point is stated not in the preset time period.
- 7. system according to claim 6, which is characterized in that it is upper once make loans failure in the case where, it is described first hair Unit is sent to specifically include acquiring unit, matching unit and third transmission unit,The acquiring unit, which is used to obtain from customer service system, to be prepared in this customer data used of making loans；The matching unit is used for the customer data used when this described customer data used of making loans is made loans with the last time It is matched；The third transmission unit is used to be made loans and be used according to described this in the case where the first matching result is inconsistent Customer data sends application of making loans to capital.
- 8. system according to claim 7, which is characterized in that first transmission unit further includes the 4th transmission unit,4th transmission unit is used in the case where the first matching result is unanimous circumstances, and first matching result is sent to Customer service system, wherein the customer service system is used to modify the customer data according to the matching result；4th transmission unit is also used to receive the modified customer data of customer service system transmission；4th transmission unit be also used to make loans the last time customer data that uses and modified customer data into Row matching；4th transmission unit is also used in the case where the second matching result is inconsistent, according to the modified client Data send application of making loans to capital.
- 9. system according to claim 7, which is characterized in that the customer data is the data of debit customers, the visitor User data includes cooperation trade company's loaning bill data and personal loan's data, whereinThe cooperation trade company loaning bill data include: cooperation trade company make loans card number, cooperation trade company make loans card number open an account name, cooperation trade company Bank of deposit's coding and cooperation bank of deposit of trade company name information；The debit customers data include: that debit makes loans card number, Jie Fangfang Money card number open an account name, debit bank of deposit coding, debit bank of deposit name information.
- 10. according to system described in claim 6 to 8 any claim, which is characterized in that the system also includes early warning lists Member,The prewarning unit is used to be inconsistent number in first matching result and the second matching result to be more than the first threshold Value or first matching result and the second matching result are in the case that consistent number is more than second threshold, and periodically output is pre- Mail is warned to system maintenance personnel's mailbox；When the prewarning unit is also used to same early warning mail output times more than or equal to output threshold value, stop described in transmission Early warning mail is to system maintenance personnel's mailbox.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811110029.XA CN109377346A (en) | 2018-09-21 | 2018-09-21 | One kind is made loans method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811110029.XA CN109377346A (en) | 2018-09-21 | 2018-09-21 | One kind is made loans method and system |
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| Publication Number | Publication Date |
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| CN109377346A true CN109377346A (en) | 2019-02-22 |
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| CN201811110029.XA Withdrawn CN109377346A (en) | 2018-09-21 | 2018-09-21 | One kind is made loans method and system |
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