CN109658087A - Loan method, apparatus, equipment and readable storage medium storing program for executing on line - Google Patents
Loan method, apparatus, equipment and readable storage medium storing program for executing on line Download PDFInfo
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- CN109658087A CN109658087A CN201811130426.3A CN201811130426A CN109658087A CN 109658087 A CN109658087 A CN 109658087A CN 201811130426 A CN201811130426 A CN 201811130426A CN 109658087 A CN109658087 A CN 109658087A
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- Prior art keywords
- account
- loan
- bank
- line
- target user
- Prior art date
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention discloses a kind of methods of providing a loan on line, method includes the following steps: obtaining the account features information of the loan account of target user corresponding with loan requests on line when receiving loan requests on line；Judge whether the loan account is inter-bank account except current row according to the accounting features information；When the loan account is inter-bank account, two class accounts of current row are opened up for the target user；Establish the relationship of transferring accounts automatically between the two classes account and the loan account；When detect make loans instruct when, fund is made loans to the two classes account, the fund is made to be transferred to the loan account automatically.The invention also discloses equipment and the readable storage medium storing program for executing of providing a loan on device of providing a loan on a kind of line, line.The convenience for the user that provides a loan on line can be improved in the present invention, shortens the process provided a loan on entire line.
Description
Technical field
The present invention relates to equipment of providing a loan on device of providing a loan on method of providing a loan on loan technical field more particularly to line, line, line
And readable storage medium storing program for executing.
Background technique
With the development of internet technology, it provides a loan on line since its convenience becomes new trend.However, since bank believes
The limitation of loan policy, fund can only be put into the account of current row by current operation of making loans, thus user needs when applying for loan
The account of current row is provided, cannot achieve and make loans if the account for providing other banks, this just needs user to provide account again
Family is first made loans lending bank login account is just achievable before application loan, increases user's loan application in this way
Burden, keeps the time of loan application process longer, causes big inconvenience to loan user.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
Provide a loan the main purpose of the present invention is to provide a kind of method of providing a loan on line, on line device, equipment of providing a loan on line and
Readable storage medium storing program for executing, it is intended to which the convenience for improving the user that provides a loan on line shortens the process provided a loan on entire line.
The present invention provides a kind of method of providing a loan on line, method of providing a loan on the line the following steps are included:
When receiving loan requests on line, the account of the loan account of target user corresponding with the loan requests is obtained
Family characteristic information；
Judge whether the loan account is inter-bank account except current row according to the accounting features information；
When the loan account is inter-bank account, two class accounts of current row are opened up for the target user；
Establish the relationship of transferring accounts automatically between the two classes account and the loan account；
When detect make loans instruct when, instruct corresponding fund to make loans to the two classes account described make loans, make described
Fund is transferred to the loan account automatically.
Optionally, it is described establish between the two classes account and the loan account automatically transfer accounts relationship the step of packet
It includes:
When detect withhold instruct when, judge whether the current amount of money of the two classes account is less than described withhold and instructs correspondence
Agreement repayment amount；
If the current amount of money of the two classes account is less than the agreement repayment amount, transfer accounts to loan account transmission
Request；
After the two classes account receives the amount owed that the loan account is transferred to based on the transfer request, according to
The agreement repayment amount is withholdd from the two classes account.
Optionally, the accounting features information includes the account of the loan account, described to be believed according to the accounting features
Breath judges that the step of whether loan account is inter-bank account includes:
It identifies and extracts the Routing Number in the account；
Whether the pre-set code for comparing the Routing Number and current row is consistent；
If consistent, determine the loan account for current row account；
If inconsistent, determine the loan account for inter-bank account.
Optionally, described when the loan account is inter-bank account, the two class accounts that current row is opened up for target user
Before the step of family, further includes:
Obtain the pre-set code set of the bank identifier code including multiple cooperative banks
Judge to whether there is and the consistent bank identifier code of the Routing Number in the pre-set code set；
If it exists, then described the step of opening up two class account of current row for the target user is executed；
If it does not exist, then the account about the offer cooperative bank is issued as loan account to the target user
Prompt information.
Optionally, be described in the execution target user open up current row two class accounts the step of before, further includes:
It is determined according to the Routing Number and corresponding opens up bank；
The account rule of bank is opened up described in acquisition；
According to the account rule and the account, the Account Type of the loan account is judged；
When the Account Type is a kind of account, the two class accounts that current row is opened up for the target user are executed
Step.
Optionally, described the step of opening up two class account of current row for the target user, includes:
Obtain the loan approval results of the target user；
According to make loans rule and the rule of refunding in the loan approval results, the volume of transferring accounts of the two classes account is determined
Degree；
The identity information in the loan application data of the target user is obtained, the loan account is obtained and is opened up described
The registration identity information of bank；
It compares the identity information and whether the registration identity information is consistent；
It is that the target user opens up the two classes account according to the identity information and the amount of transferring accounts if consistent
Family.
Optionally, it is described establish between the two classes account and the loan account automatically transfer accounts relationship the step of packet
It includes:
The loan appointed information of the target user is obtained, the loan appointed information includes that agreement is made loans date, agreement
Make loans the amount of money, agreement refund the date and agreement repayment amount；
It is formed certainly according to the loan appointed information, the identity information, the two classes account and the loan account
Turn account request Concurrency, which is sent to described, opens up bank；
Confirmation message of the bank based on the automatic transfer request feedback is opened up described in reception；
It is concluded between the two classes account and the loan account based on the loan appointed information and the confirmation message
Agreement of transferring accounts, formed and described transferred accounts relationship automatically.
In addition, to achieve the goals above, the present invention also provides device of providing a loan on a kind of line, device packet of providing a loan on the line
It includes:
Information extraction modules, for obtaining corresponding with loan requests on the line when receiving loan requests on line
The account features information of the loan account of target user；
Identification module, for judging whether the loan account is inter-bank except current row according to the accounting features information
Account；
It opens an account module, for opening up two classes of current row for the target user when the loan account is inter-bank account
Account；
Binding module, for establishing the relationship of transferring accounts automatically between the two classes account and the loan account；
Make loans module, for when detect make loans instruct when, instruct corresponding fund to make loans to described two described make loans
Class account makes the fund be transferred to the loan account automatically.
In addition, to achieve the goals above, the present invention also provides equipment of providing a loan on a kind of line, equipment packet of providing a loan on the line
It includes: memory, processor and being stored in the computer program that can be run on the memory and on the processor, the meter
The step of as above described in any item methods are realized when calculation machine program is executed by the processor.
In addition, to achieve the goals above, the present invention also provides a kind of readable storage medium storing program for executing, on the readable storage medium storing program for executing
Wired upper loan processing is stored, realizes when loan processing is executed by processor on the line and provides a loan on as above described in any item lines
The step of method.
Loan system on a kind of line that the embodiment of the present invention proposes passes through account spy when receiving loan requests on line
Whether the loan account of reference breath identification target user is inter-bank account other than current row, is then target user if inter-bank account
Two class accounts of current row are opened up, and establish transferring accounts relationship between two class accounts and loan account automatically, when detecting finger of making loans
When enabling, will make loans and corresponding fund instructed to make loans into two class accounts, due to transferring accounts relationship automatically for foundation, fund can automatically from
Two class accounts are transferred to loan account.By the above-mentioned means, no matter loan account provided by target user be current row account or
Inter-bank account can be achieved successfully to make loans, this process user can use without complicated operation in required loan account
To the fund made loans, to improve the convenience for the user that provides a loan on line, entire loan process is shortened.
Detailed description of the invention
Fig. 1 is the first pass schematic diagram of loan embodiment of the method on line of the present invention；
Fig. 2 is the second procedure schematic diagram of loan embodiment of the method on line of the present invention；
Fig. 3 is the third flow diagram of loan embodiment of the method on line of the present invention；
Fig. 4 is the 4th flow diagram of loan embodiment of the method on line of the present invention；
Fig. 5 is the 5th flow diagram of loan embodiment of the method on line of the present invention；
Fig. 6 is the device structure schematic diagram for the hardware running environment that loan equipment is related on line of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are: when receiving loan requests on line, obtaining and ask with loan on line
Seek the account features information of the loan account of corresponding target user；Judge whether loan account is this according to accounting features information
Inter-bank account except row；When loan account is inter-bank account, two class accounts of current row are opened up for target user；Establish two classes
Relationship of transferring accounts automatically between account and loan account；When detect make loans instruct when, will make loans and corresponding fund instructed to make loans
To two class accounts, fund is made to be transferred to loan account automatically.
It due to the prior art, can not make loans into the loan account of inter-bank, the user that need to provide a loan provides the account of current row again
Or the account of application current row just can be achieved to make loans, and keep the time of loan application process longer, cause to loan user very big
It is inconvenient.
The present invention provides a solution, can make no matter loan account provided by target user be current row account or
Inter-bank account can be achieved successfully to make loans, this process user can use without complicated operation in required loan account
To the fund made loans, to improve the convenience for the user that provides a loan on line, entire loan process is shortened.
The embodiment of the present invention proposes a kind of method of providing a loan on line, as shown in Figure 1, method includes the following steps:
Step S10 obtains the loan of target user corresponding with loan requests on line when receiving loan requests on line
The account features information of account；
Target user is specially the user for having demand for loan, it may include applies for the use that the user of loan, loan examination & approval pass through
Family, the user for having signed loan agreement etc..Loan account be specially target user during loan provided by for make loans,
The bank account of refund.
Loan requests specifically can be by there is the user of demand for loan voluntarily to issue on line, and loan can also have been received by system to be needed
It is automatically generated after the loan application data of the user asked.Include the identification information of target user in loan requests on line, passes through
Identification information on line in loan requests, which can determine, can further obtain its loan after corresponding target user, target user determine
The account features information of account.
Account features information may particularly include the account of loan account, ownership bank of loan account etc..Account features letter
Breath can be extracted specifically from the loan application data of target user.When target user carries out loan application, it is possible to provide preset table
Single loan application information for obtaining target user, loan application information may particularly include target user identity information (such as name,
Identification card number, native place, gender etc.), the account features information of loan account, loan application demand information (such as amount of the loan, also
Money time limit, intended use of the loan etc.), loan audit relevant information (such as work prove, income prove, assets proof) etc..Every kind of loan
Corresponding preset field can be arranged in default list in money application information.Believe provided by above-mentioned default list and target user
Breath forms the loan application data of target user, after obtaining the loan application data of target user, identification loan application money
Preset field in material about account features information, and the corresponding content of the field is extracted as account features information.
Step S20 judges whether the loan account is inter-bank account except current row according to the accounting features information；
Here current row refers to the bank for the service of offering a loan.
Specifically can using the account of loan account as judge loan account whether be inter-bank account judgment basis.Step
S20 may particularly include:
Step S21 is identified and is extracted the Routing Number in the account；
Different banks has different Routing Numbers for distinguishing.For example, account is 6222600260001072432
In, first six digits 622260 are Routing Number, and can be used for determining the account opens up bank.Thus, in the loan account of acquisition
In account, the Serial No. in account is identified, extract Routing Number of the first six digits as loan account from Serial No..
Whether step S22, the pre-set code for comparing the Routing Number and current row are consistent；
Pre-set code is specially to provide Routing Number possessed by the bank of financial service on line.By extracted Routing Number
It is compared with the pre-set code of current row.
When Routing Number is consistent with the pre-set code of current row, S23 is thened follow the steps, it is default when Routing Number and current row
When code is inconsistent, S24 is thened follow the steps；
Step S23 determines the loan account for current row account；
Step S24 determines the loan account for inter-bank account.
Since the account of loan account is the information that must be provided when making loans, account of providing a loan is determined by the identification of account
Family is current row account or inter-bank account, in addition provides other information without target user.
In addition, the feature field for opening up bank about loan account can also directly be arranged in default list, in mesh
Mark user offer a loan application information when directly offer a loan account open up bank.Determine to borrow by the acquired bank that opens up
Money account is current row account or inter-bank account.
Step S30 opens up two class accounts of current row for the target user when the loan account is inter-bank account；
When loan account is inter-bank account, the information of opening an account of target user is obtained, opens up the two of current row for target user
Class account.The information of opening an account of target user can be extracted from the loan application data of target user, can also pass through target user institute
The loan account of offer is obtained to the bank that opens up of loan account, and prompting interface acquisition can also be issued when opening up.It opens an account letter
Breath may particularly include name, identification card number and cell-phone number etc..
Wherein, a kind of account is to handle, provide the proof of identification data of applicant in the cabinet face of entity bank and pass through cabinet
Platform personnel carry out the bank account opened up after identity validation；Two class accounts are believed to provide identity in electronic channels such as direct selling banks
The bank account opened up after breath.
If loan account is current row account (bank that current row here refers to the service of offering a loan), can be when making loans
Directly fund is put into loan account provided by target user, when withholing, refund is put into loan account by target user
In, the amount of money of refund needed for being deducted directly from loan account.
Step S40 establishes the relationship of transferring accounts automatically between the two classes account and the loan account；
The automatic relationship of transferring accounts is specifically included in when making loans, and the received fund of fund institute in two class accounts can be transferred to loan automatically
The relationship of transferring accounts of money account, and when refunding, the fund in loan account can be transferred to the relationship of transferring accounts in two class accounts automatically.
Specifically, the loan appointed information of the target user can be obtained, the loan appointed information includes that agreement is made loans
Date arranges the make loans amount of money, agreement refund date and agreement repayment amount；According to the loan appointed information, the identity
Information, the two classes account and the loan account, which form automatic transfer request and be sent to, described opens up bank；Receive institute
It states and opens up confirmation message of the bank based on the automatic transfer request feedback；Based on the loan appointed information and the confirmation letter
Breath concludes the agreement of transferring accounts between the two classes account and the loan account, forms the relationship of transferring accounts automatically.
Step S50, when detect make loans instruct when, instruct corresponding fund to make loans to the two classes account described make loans
Family makes the fund be transferred to the loan account automatically.
Instruction of making loans can set system server and be automatically sent to put according to agreement date of making loans in loan appointed information
Money module can also voluntarily be sent instruction of making loans to module of making loans according to demand by target user.Make loans in instructing includes that target is used
The account and agreement of the two class accounts at family are made loans the amount of money, and module of making loans, which detects, makes loans when instructing, will in instruction of making loans about
Surely the corresponding fund of the amount of money of making loans is put into two class accounts.When fund is put into two class accounts, the fund being put into can be carried out
Remarks, if remarks are " fund of making loans ".The remarks of all funds being put into two class accounts are identified, are made loans when recognizing
When fund, fund corresponding to the remarks is transferred in the loan account established with two class accounts and have relationship of transferring accounts automatically, with complete
At operation of making loans.After the completion of making loans, also capable of emitting corresponding prompting message informs that target user is completed and makes loans.Target user can
The fund of making loans directly is used in loan account.
When target user refunds, loan account can be in the interim money that will arrange refund number automatically of agreement repayment date
Gold is transferred in the two class accounts for establishing relationship of transferring accounts automatically with it.
In embodiments of the present invention, loan system on a kind of line of proposition leads to when current row receives loan requests on line
Whether the loan account for crossing account characteristic information identification target user is inter-bank account other than current row, is then if inter-bank account
Target user opens up two class accounts of current row, and establishes the relationship of transferring accounts automatically between two class accounts and loan account, works as detection
To make loans instruct when, will make loans and corresponding fund instructed to make loans into two class accounts, due to transferring accounts relationship automatically for foundation, fund
Can loan account be transferred to from two class accounts automatically.By the above-mentioned means, no matter loan account is current row provided by target user
Account or inter-bank account can be achieved successfully to make loans, this process user can be in required loan account without complicated operation
Using to the fund made loans in family, to improve the convenience for the user that provides a loan on line, entire loan process is shortened.
Further, as shown in Fig. 2, the pass of transferring accounts automatically established between the two classes account and the loan account
After the step of being, further includes:
Step S60, when detect withhold instruct when, judge whether the current amount of money of the two classes account is less than described withhold
Instruct corresponding agreement repayment amount；
If the current amount of money of two class accounts is less than agreement repayment amount, S71, step S80 are thened follow the steps；If two class accounts
The current amount of money be greater than or equal to agreement repayment amount, then follow the steps S72；
Step S71, Xiang Suoshu loan account sends transfer request；
Step S72 withholds according to the agreement repayment amount from the two classes account；
Step S80 receives the debt gold that the loan account is transferred to based on the transfer request in the two classes account
After volume, withholdd according to the agreement repayment amount from the two classes account.
Instruction of withholing can set system server and be automatically sent to detain according to the agreement refund date in loan appointed information
Money module can also voluntarily be sent instruction of withholing to module of withholing according to demand by target user.Withhold in instructing includes that target is used
The accounts of the two class accounts at family and agreement repayment amount, module of withholing, which detects, withholds when instructing, and judges target user at this
Whether the current amount of money in two capable class accounts, which is less than described withhold, instructs corresponding agreement repayment amount.Here agreement is refunded
The amount of money is the repayment amount of target user with the bank both sides agreement for service of offering a loan.If the current amount of money in two class accounts is big
Corresponding agreement repayment amount is instructed in or equal to described withhold, then shows that the current amount of money in two class accounts is sufficient, withholing can
It goes on smoothly；If the current amount of money in two class accounts less than agreement repayment amount, shows the current amount of money in two class accounts not
It is sufficient.
When the current amount of money of two class accounts is less than agreement repayment amount, the current amount of money can be calculated and arrange repayment amount
Difference.Transfer request, which is formed, according to difference is sent to loan account.Loan account is receiving transfer request, and determines and send
Transfer request two class accounts foundation have automatically transfer accounts relationship when, the corresponding fund of difference in transfer request is transferred to the two classes account
In family.If the remaining sum in loan account is less than corresponding fund, institute's surplus is transferred in the two classes account.
Two class accounts receive the amount owed that loan account is transferred to after issuing transfer request.After receiving amount owed,
It can judge whether the current amount of money of two class accounts is greater than or equal to agreement repayment amount again, if so, can be from two class accounts
Deduct the agreement corresponding fund of repayment amount；If the current amount of money still less than agreement repayment amount, can be spaced preset time further according to
Current difference sends transfer request to loan account, repeats the above steps, until the current amount of money of two class accounts is greater than or waits
In agreement repayment amount.Wherein, this process can count the number for issuing transfer request, when the number of statistics reaches pre-
If when number, sending the prompt information for failure of withholing, to target user to remind user to supplement enough funds as early as possible to complete
It withholds.
By the above-mentioned means, advantageously ensuring that has the fund having enough for withholing in two class accounts, to guarantee target user
That refunds smoothly completes.
Specifically, when the loan account is inter-bank account, the two class accounts that current row is opened up for target user
Before step, further includes:
Step S31 obtains the pre-set code set of the bank identifier code including multiple cooperative banks
Step S32 judges to whether there is and the consistent bank identifier code of the Routing Number in the pre-set code set；
If it exists, S33 is thened follow the steps, if it does not exist, thens follow the steps S34；
Step S33 opens up two class accounts of current row for the target user；
Step S34, Xiang Suoshu target user issues account the mentioning as loan account about the offer cooperative bank
Show information.
There are the reasons such as the Cooperation range between different service ranges, each bank is inconsistent based on different bank,
There may be the bank accounts of certain banks to establish relationship of transferring accounts automatically with two class accounts of the bank for the service of offering a loan.
Thus, multiple cooperation silver that relationship of transferring accounts automatically can be established with two class accounts in the bank for the service of offering a loan can be collected in advance
Capable bank identifier code forms pre-set code set.It, will be in pre-set code set when determining loan account is inter-bank account
Bank identifier code compares with the Routing Number of loan account one by one, when there is bank with loan account in pre-set code set
The consistent bank identifier code of code then shows that two class accounts of subsequent creation can succeed to establish between loan account and transfers accounts automatically
Relationship can open up two class accounts of current row for target user；When there is no bank's generations with loan account in pre-set code set
The consistent bank identifier code of code then shows that two class accounts of subsequent creation can not establish pass of transferring accounts automatically between loan account
System can issue to target user about the prompt information for providing the account of the cooperative bank as loan account, so that target
User can provide effective loan account again to be implemented as power amplifier money.
By the above-mentioned means, advantageously ensuring that the smooth foundation for relationship of transferring accounts automatically, guarantee to borrow provided by target user
Money account be active account, with guarantee it is subsequent make loans go on smoothly.
Specifically, as shown in figure 3, when existing and the consistent bank identifier code of the Routing Number in pre-set code set
When, before executing described the step of opening up two class account of current row for the target user, further includes:
Step S301 is determined according to the Routing Number and corresponding is opened up bank；
On line in loan system, it can be previously stored between the Routing Number and corresponding bank of different bank
Corresponding relationship.Bank is opened up according to what Routing Number and corresponding relationship can determine loan account.
Step S302 opens up the account rule of bank described in acquisition；
The different banks that open up can formulate different account rules according to the business demand of its own, and account rule is specially
The coding rule of account, different banks are encoded according to the account that its account rule is its bank, to be formed for identifying
The account of different accounts.The account rule of different bank can be pre-stored on line in loan system.In addition, being occupied to save system
Resource, account rule can also instruct opening up to loan account by account rule request when opening up two class account of current row
Bank requests the account rule of the bank.
Step S303 judges the Account Type of the loan account according to the account rule and the account；
In account rule different Account Types can be correspondingly provided with different identification code and its account Serial No.
In position.Account Type may particularly include a kind of account, two class accounts, three classes account etc..It is regular according to the account of acquisition,
Identification code is extracted in the corresponding position of acquired account, using Account Type corresponding to identification code as the account class of loan account
Type.
Step S304 opens up two class accounts of current row for the target user when the Account Type is a kind of account.
It is opened up after needing applicant to provide proof of identification data to entity bank due to a kind of account, reliability is higher, therefore
When Account Type is a kind of account, two class accounts of current row are just opened up for target user, with the fund security of cash credit, are protected
Demonstrate,prove the bank for service of offering a loan and the interests safety of target user both sides.
If the Account Type is two class account, the bank that opens up of transmittable request to loan account obtains target user
A kind of account account, by the account of acquired a kind of account and its registration identity information, when target user identity believe
When ceasing consistent with the registration identity information obtained, opens up two class accounts of current row for target user and tie up the two class accounts opened up
Surely the account of a kind of account obtained is provided with funds safety guarantee with the two class accounts that a kind of account is the current row newly opened.Into
And resettle the relationship of transferring accounts automatically between two class accounts of opened up current row and loan account.
Specifically, as shown in figure 4, described is that the step of target user opens up two class account of current row includes:
Step S331 obtains the loan approval results of the target user；
Approval results of providing a loan are the service of offering a loan after target user carries out loan application to the bank for the service of offering a loan
Being examined based on loan application data of bank after obtained approval results.Loan approval results may particularly include target
Relevant information, loan the examination & approval amount, make loans rule, refund rule etc. of user.Wherein, rule of making loans may particularly include week of making loans
Phase, the amount of money of making loans in period of each making loans etc.；Rule of refunding may particularly include the repayment amount of payment period, each payment period
Deng.
Step S332 determines the two classes account according to make loans rule and the rule of refunding in the loan approval results
Amount of transferring accounts；
The amount of money of making loans for obtaining the period of each making loans in rule of making loans obtains the refund of each payment period in rule of refunding
The amount of money；Compare the size of the make loans amount of money and repayment amount；Determine that the biggish amount of money is amount base in the make loans amount of money and repayment amount
Number；Obtain the credit grade of target user；Corresponding amount amplification is determined according to credit grade；It calculates amount radix and amount increases
The summation of width, using summation as the amount of transferring accounts of two class accounts.
Refund gold according to each payment period in the make loans amount of money and the rule of refunding in period of each making loans in rule of making loans
The number of the biggish amount of money determines the amount of transferring accounts of two class accounts as amount radix in volume, determines transferring accounts for two class accounts
Amount need to be greater than or equal to amount radix.Transfer accounts volume of the preset cost as two class accounts can be increased on the basis of amount radix
Degree.In addition, determining the specific value for amount of transferring accounts in combination with the credit grade of target user on the basis of amount radix.?
During target user's loan application is examined, can generally risk assessment be carried out to target user, it can be according to the knot of risk assessment
Fruit determines the credit grade of target user.Risk is lower, and level of signal is higher；Different credit grades is correspondingly provided with different volumes
Amplification is spent, the more high corresponding amount amplification of credit grade is higher.Calculate amount cardinal sum amount amplification summation, using summation as
The spending limit of two class accounts.
By the above-mentioned means, can guarantee two class accounts while guarantee target user can smoothly complete and make loans and refund
The interests for opening up bank of two class accounts are ensured while fund security in use.
Step S333 obtains the identity information in the loan application data of the target user, obtains the loan account
In the registration identity information for opening up bank；
Here identity information specifically includes name, identification card number, finger print information, voiceprint, the head portrait of target user
Information etc..Registration identity information is that target user is provided for body when bank opens up loan account in opening up for loan account
The information that part proves, specifically includes name, identification card number, finger print information, voiceprint, head image information of target user etc..
Step S334, compares the identity information and whether the registration identity information is consistent；
If consistent, S335 is thened follow the steps, if inconsistent, thens follow the steps S336；
After obtaining above-mentioned identity information and registration identity information, determines identity information and register same type in identity information
Item of information will belong to the content in a type of item of information in identity information and registration identity information respectively and compare one by one
It is right, when all contents belonged in a type of item of information are consistent, then determine identity information and registration identity information one
It causes, if all content parts belonged in a type of item of information are inconsistent or all inconsistent, determines identity information
It is inconsistent with registration identity information.For example, when the identity information that be obtained from loan application data include name, identification card number,
Finger print information, head image information, and from the registration identity information acquired in bank that opens up of loan account include name, identity card
Number, finger print information when, belonging to a type of item of information in two kinds of identity informations at this time has name, identification card number, finger print information,
Name, identification card number, the finger print information in identity information and registration identity information are compared one by one respectively, when identity information with
When name, identification card number, finger print information in registration identity information are consistent, then identity information and registration identity information one are determined
It causes.
Step S335 is that the target user opens up the two classes account according to the identity information and the amount of transferring accounts
Family.
Using the identity information as the information of opening an account of two class accounts of current row, and set turning for two opened up class accounts
The maximum dollar amount of account can not be beyond above-mentioned identified amount of transferring accounts.In addition, according to identity information, amount of transferring accounts and can also disappear
Expense amount is that target user opens up two class accounts.
Step S336 sends prompt information for target user and determines whether are the identity information and/or the loan account
Correctly.
If identity information and registration identity information it is inconsistent, may be due to target user provide identity information and/
Or caused by loan account is wrong, therefore, corresponding prompt information can be transmitted to target user, and obtain the feedback letter of user
Breath, judges whether identity information and/or loan account are correct according to feedback information, extracts from feedback information if wrong correct
Identity information and/or loan account.
By the above-mentioned means, being conducive to identity information provided by verification object user and/or whether loan account is correct
Effectively, avoid target user provide mistake information carry out loan application, guarantee offer a loan service bank opened up two
Class account it is effective, thus the financing security that the bank for the service of offering a loan makes loans.
Specifically, as shown in figure 5, the relationship of transferring accounts automatically established between the two classes account and the loan account
The step of include:
Step S41, obtains the loan appointed information of the target user, and the loan appointed information includes that agreement is made loans day
Phase arranges the make loans amount of money, agreement refund date and agreement repayment amount；
Here loan appointed information is that target user carries out loan application, and is borrowed by the bank for the service of offering a loan
After money is examined and examines and pass through, the relevant information about loan of the bank both sides agreement of target user and service of offering a loan.
Loan appointed information may particularly include agreement make loans the date, agreement make loans the amount of money, agreement refund the date and agreement repayment amount
Deng.Loan appointed information can be identified specifically from the electronics loan agreement that the bank of target user and the service of offering a loan are signed
It extracts.
Step S42, according to the loan appointed information, the identity information, the two classes account and the loan account
Family, which forms automatic transfer request and is sent to, described opens up bank；
Offer a loan service bank and multiple cooperative banks before can pre-establish cooperation agreement.Cooperation agreement it is specific
Content may include each cooperative bank in the automatic transfer request about loan for the bank for receiving the service of offering a loan,
When automatic transfer request meets preset condition, for the loan account and the two of the bank for service of offering a loan in automatic transfer request
Class account establishes relationship of transferring accounts automatically.Automatic transfer request can be believed according to above-mentioned loan appointed information, the identity of target user
Account of breath, the account of two class accounts and loan account etc. is formed.Automatic transfer request is sent to loan account after being formed
Open up bank.Loan account opens up bank after receiving above-mentioned automatic transfer request, can therefrom extract the body of target user
The account of part information and loan account opens up bank and obtains registration identity from self-management system according to the account of loan account
Whether the registration identity information of information, the identity information and acquisition of verifying extraction coincide, according to automatic transfer request if coincideing
In agreement refund date peace treaty determine between two class accounts of the bank that repayment amount establishes loan account and service of offering a loan
First transfer accounts relationship automatically, make loan account that can refund the date automatically to two class accounts of the bank for the service of offering a loan in agreement
Family is transferred to agreement repayment amount.Open up bank first is sent after bank establishes relationship of transferring accounts automatically certainly in opening up for loan account
The established confirmation message of turn account relationship to the service of offering a loan bank.First foundation for transferring accounts relationship automatically shows to cooperate
Bank agrees to the account of cooperative bank provided by target user as target user's loan account.
Step S43 opens up confirmation message of the bank based on the automatic transfer request feedback described in reception；
Step S44 concludes the two classes account and the loan based on the loan appointed information and the confirmation message
Agreement of transferring accounts between account forms the relationship of transferring accounts automatically.
Service bank of offering a loan receives the confirmation message for opening up bank's feedback, is determined based on confirmation message first from turn
After account relationship has been established, the date is made loans according to the agreement in loan appointed information and the agreement amount of money of making loans establishes loan account and two
Second between class account transfers accounts relationship automatically, and two class accounts is made from trend loan account can be transferred to agreement on agreement date of making loans
It makes loans the amount of money.The agreement of transferring accounts transferred accounts between relationship and confirmation message two class accounts of generation and loan account automatically according to second,
To guarantee that two class accounts and loan account can transfer accounts automatically when making loans and when refunding according to agreement of transferring accounts, keep target user straight
It connects and realizes loan using the loan account that he manages it.
In addition, the embodiment of the present invention also proposes device of providing a loan on a kind of line, loan device includes: on the line
Information extraction modules, for obtaining corresponding with loan requests on the line when receiving loan requests on line
The account features information of the loan account of target user；
Identification module, for judging whether the loan account is inter-bank except current row according to the accounting features information
Account；
It opens an account module, for opening up two classes of current row for the target user when the loan account is inter-bank account
Account；
Binding module, for establishing the relationship of transferring accounts automatically between the two classes account and the loan account；
Make loans module, for when detect make loans instruct when, instruct corresponding fund to make loans to described two described make loans
Class account makes the fund be transferred to the loan account automatically.
On line of the present invention provide a loan device in each module specific embodiment and above-mentioned line on provide a loan each embodiment base of method
This is identical, and details are not described herein.
In addition, as shown in fig. 6, the embodiment of the present invention also proposes equipment of providing a loan on a kind of line, equipment packet of providing a loan on the line
It includes: processor 1001, such as CPU, network interface 1002, user interface 1003, memory 1004, communication bus.Wherein, it communicates
Bus is for realizing the connection communication between these components.User interface 1003 may include display screen (Display), input list
First such as keyboard (Keyboard), optional user interface 1003 can also include standard wireline interface and wireless interface.Network connects
Mouth 1004 may include optionally standard wireline interface and wireless interface (such as WI-FI interface).Memory 1004 can be high speed
RAM memory is also possible to stable memory (non-volatile memory), such as magnetic disk storage.Memory 1004
It optionally can also be the storage device independently of aforementioned processor 1001.
It will be understood by those skilled in the art that device structure shown in Fig. 6 does not constitute the restriction to equipment, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in fig. 6, as may include that operating system, network are logical in a kind of memory 1004 of computer storage medium
Loan processing on letter module, Subscriber Interface Module SIM and line.
In equipment shown in Fig. 6, network interface 1002 is mainly used for connecting background server, carries out with background server
Data communication；User interface 1003 is mainly used for connecting client (user terminal), carries out data communication with client；And processor
1001 can be used for calling loan processing on the line stored in memory 1004, and execute on upper upper thread step in loan method
Relevant operation
The specific embodiment for equipment of providing a loan on line of the present invention and each embodiment of method of providing a loan on above-mentioned line are essentially identical,
This is repeated no more.
In addition, the embodiment of the present invention also proposes a kind of readable storage medium storing program for executing, stored on wired on the readable storage medium storing program for executing
Loan processing is realized when loan processing is executed by processor on the line such as loan method on the line referred in above example
Step.
Readable storage medium storing program for executing specific embodiment of the present invention and each embodiment of method of providing a loan on above-mentioned line are essentially identical, herein
It repeats no more.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of method of providing a loan on line, which is characterized in that on the line provide a loan method the following steps are included:
When receiving loan requests, the account features letter of the loan account of target user corresponding with the loan requests is obtained
Breath；
According to the accounting features information, judge whether the loan account is inter-bank account except current row；
When the loan account is inter-bank account, two class accounts of current row are opened up for the target user；
Establish the relationship of transferring accounts automatically between the two classes account and the loan account；
When detect make loans instruct when, instruct corresponding fund to make loans to the two classes account described make loans, make the fund
Automatically it is transferred to the loan account.
2. method of providing a loan on line as described in claim 1, which is characterized in that described to establish the two classes account and the loan
Between account automatically transfer accounts relationship the step of after, further includes:
When detect withhold instruct when, judge the current amount of money of the two classes account whether be less than it is described withhold instruct it is corresponding about
Determine repayment amount；
If the current amount of money of the two classes account is less than the agreement repayment amount, transfers accounts and ask to loan account transmission
It asks；
After the two classes account receives the amount owed that the loan account is transferred to based on the transfer request, according to described
Agreement repayment amount is withholdd from the two classes account.
3. method of providing a loan on line as claimed in claim 2, which is characterized in that the accounting features information includes the loan account
The account at family, it is described to judge that the step of whether loan account is inter-bank account includes: according to the accounting features information
It identifies and extracts the Routing Number in the account；
Whether the pre-set code for comparing the Routing Number and current row is consistent；
If consistent, determine the loan account for current row account；
If inconsistent, determine the loan account for inter-bank account.
4. method of providing a loan on line as claimed in claim 3, which is characterized in that when the loan account is inter-bank account, institute
Before the step of stating the two class account for opening up current row for target user, further includes:
Obtain the pre-set code set of the bank identifier code including multiple cooperative banks；
Judge to whether there is and the consistent bank identifier code of the Routing Number in the pre-set code set；
If it exists, then described the step of opening up two class account of current row for the target user is executed；
If it does not exist, then it issues to the target user about the prompt for providing the account of the cooperative bank as loan account
Information.
5. method of providing a loan on line as claimed in claim 4, which is characterized in that executing described is that the target user opens up current row
Two class accounts the step of before, further includes:
It is determined according to the Routing Number and corresponding opens up bank；
The account rule of bank is opened up described in acquisition；
According to the account rule and the account, the Account Type of the loan account is judged；
When the Account Type is a kind of account, the step of the two class accounts that current row is opened up for the target user is executed
Suddenly.
6. method of providing a loan on line as claimed in claim 5, which is characterized in that described to open up the two of current row for the target user
The step of class account includes:
Obtain the loan approval results of the target user；
According to make loans rule and the rule of refunding in the loan approval results, the amount of transferring accounts of the two classes account is determined；
The identity information in the loan application data of the target user is obtained, the loan account is obtained described and opens up bank
Registration identity information；
It compares the identity information and whether the registration identity information is consistent；
It is that the target user opens up the two classes account according to the identity information and the amount of transferring accounts if consistent.
7. method of providing a loan on line as claimed in claim 6, which is characterized in that described to establish the two classes account and the loan
Between account automatically transfer accounts relationship the step of include:
Obtain the loan appointed information of the target user, the loan appointed information includes that make loans date, agreement of agreement is made loans
The amount of money, agreement refund date and agreement repayment amount；
It is formed according to the loan appointed information, the identity information, the two classes account and the loan account from turn
Account request Concurrency send to described and opens up bank；
Confirmation message of the bank based on the automatic transfer request feedback is opened up described in reception；
It is concluded based on the loan appointed information and the confirmation message and is turned between the two classes account and the loan account
Account agreement forms the relationship of transferring accounts automatically.
8. device of providing a loan on a kind of line, which is characterized in that loan device includes: on the line
Information extraction modules, for obtaining target corresponding with loan requests on the line when receiving loan requests on line
The account features information of the loan account of user；
Identification module, for judging whether the loan account is inter-bank account except current row according to the accounting features information
Family；
It opens an account module, for opening up two class accounts of current row for the target user when the loan account is inter-bank account；
Binding module, for establishing the relationship of transferring accounts automatically between the two classes account and the loan account；
Make loans module, for when detect make loans instruct when, instruct corresponding fund to make loans to the two classes account described make loans
Family makes the fund be transferred to the loan account automatically.
9. equipment of providing a loan on a kind of line, which is characterized in that equipment of providing a loan on the line includes: memory, processor and is stored in
On the memory and the computer program that can run on the processor, the computer program are executed by the processor
The step of method of the Shi Shixian as described in any one of claims 1 to 7.
10. a kind of readable storage medium storing program for executing, which is characterized in that wired upper loan processing is stored on the readable storage medium storing program for executing, it is described
The step of method is provided a loan on the line as described in any one of claims 1 to 7 is realized when loan processing is executed by processor on line.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811130426.3A CN109658087B (en) | 2018-09-27 | 2018-09-27 | Online loan method, device, equipment and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811130426.3A CN109658087B (en) | 2018-09-27 | 2018-09-27 | Online loan method, device, equipment and readable storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN109658087A true CN109658087A (en) | 2019-04-19 |
| CN109658087B CN109658087B (en) | 2023-04-18 |
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ID=66110194
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811130426.3A Active CN109658087B (en) | 2018-09-27 | 2018-09-27 | Online loan method, device, equipment and readable storage medium |
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| CN (1) | CN109658087B (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110197431A (en) * | 2019-06-10 | 2019-09-03 | 刘雅萌 | Borrow or lend money method, device and equipment |
| CN111160872A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Application information processing method and device |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20150120537A1 (en) * | 2013-10-25 | 2015-04-30 | Russell Chacon | Method for Facilitating Loans |
-
2018
- 2018-09-27 CN CN201811130426.3A patent/CN109658087B/en active Active
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20150120537A1 (en) * | 2013-10-25 | 2015-04-30 | Russell Chacon | Method for Facilitating Loans |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110197431A (en) * | 2019-06-10 | 2019-09-03 | 刘雅萌 | Borrow or lend money method, device and equipment |
| CN111160872A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Application information processing method and device |
| CN111160872B (en) * | 2019-12-31 | 2023-04-18 | 中国银行股份有限公司 | Application information processing method and device |
Also Published As
| Publication number | Publication date |
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| CN109658087B (en) | 2023-04-18 |
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