CN109685641A - A kind of information processing method and device - Google Patents
A kind of information processing method and device Download PDFInfo
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- CN109685641A CN109685641A CN201811360452.5A CN201811360452A CN109685641A CN 109685641 A CN109685641 A CN 109685641A CN 201811360452 A CN201811360452 A CN 201811360452A CN 109685641 A CN109685641 A CN 109685641A
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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
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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
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The invention belongs to computer processing technical field, a kind of information processing method and device are provided, this method comprises: when receiving the information and customer information of loan product, is obtained pre-stored with the associated N number of investor's information of loan product；Wherein, N≤1 and be integer；According to preset matching rule in N number of investor's information, the first investor to match with loan product and customer information is obtained；Loan agreement is generated according to first investor's information, the information of loan product and customer information；Wherein, loan agreement includes repayment schedule information.The embodiment of the present invention directly can match corresponding first investor according to loan product information and customer information, and the loan agreement including repayment schedule information is generated according to first investor's information, it can be convenient and effective obtain and the investor that client matches and generate corresponding loan agreement, to which the operating efficiency for searching investor's information can be improved, reduces to malfunction and then efficiently handle and help loan business.
Description
Technical field
The invention belongs to computer processing technical field more particularly to a kind of information processing methods and device.
Background technique
Currently, handle help loan business when, search investor's information operation it is more complex, efficiency is lower, and be easy
It is wrong.Therefore, it needs to propose a kind of technical solution, to solve the technical problem.
Summary of the invention
In view of this, can be improved the embodiment of the invention provides a kind of information processing method and device and search investor
The operating efficiency of information reduces error.
The first aspect of the embodiment of the present application provides a kind of information processing method, which comprises
When receiving the information and customer information of loan product, obtain pre-stored associated with the loan product
N number of investor's information；Wherein, N≤1 and be integer；
According to preset matching rule in N number of investor's information, obtain and the loan product and customer information
The first investor to match；
Loan agreement is generated according to first investor's information, the information of the loan product and the customer information；Wherein,
The loan agreement includes repayment schedule information.
In one embodiment, when receiving the information and customer information of loan product, obtain it is pre-stored with
Before the associated N number of investor's information of loan product, further includes:
If receiving N number of investor to the investing tip of the loan product, by the investment of N number of investor
Information and the loan product are associated storage；Wherein, the investing tip includes identity information and the institute of the investor
Investor is stated to the capital project information of the loan product.
In one embodiment, it is described according to preset matching rule in N number of investor's information, obtain with it is described
The first investor that loan product and customer information match, comprising:
The credit grade information of the client is determined according to the customer information；Wherein, the customer information includes client
Identity information and credit record information；
From the capital project information of N number of investor, the credit grade information for obtaining the client can be matched
M investor；Wherein, the capital project information includes that pre-stored can believe with the matched credit grade of corresponding investor
Breath, the 1≤M≤N and the M are integer；
According to the identity information of the M investor and pre-stored history make loans information calculate separately it is described M throwing
The comprehensive assessment fractional value of capital and to comprehensive assessment fractional value by being ranked up from big to small, comprehensive assessment score is highest
Investor is as the first investor to match with the loan product and customer information；
Obtain the first investor to match with the loan product and customer information.
In one embodiment, described according to the first investor information, the loan product information and the client
Information generates loan agreement, comprising:
According to the first investor information, loan product, customer information and pre-stored loan agreement template generation
Loan agreement；Wherein, the loan agreement include client should refund issue, interest should be gone back for each issue, deal with financial management each issue
Expense and each issue of one or more information dealt in service charge.
In one embodiment, when receiving loan product and customer information, the pre-stored and loan is obtained
After the associated N number of investor's information of money product, further includes:
If receiving new investor to the investing tip of the loan product, by new investor's information and institute
It states loan product and is associated storage；
If receiving the instruction of update the second investor information of the second investor in N number of investor, basis
The incidence relation of the update data updating pre-stored second investor and the loan product that receive.
In one embodiment, believe according to the first investor information, the loan product information and the client
Breath generates after loan agreement, further includes:
By the loan agreement be sent to on the terminal device of the client association account；
If receive client refusal instruction, using the composite score be worth second largest investor as with the loan
The first investor that product and customer information match.
The second aspect of the embodiment of the present application provides a kind of information processing unit, comprising:
First obtains module, for when receiving the information and customer information of loan product, obtain it is pre-stored with
The associated N number of investor's information of loan product；Wherein, N≤1 and be integer；
Second obtains module, in N number of investor's information, being obtained and the loan according to preset matching rule
The first investor that money product and customer information match；
Generation module, for raw according to the first investor information, the loan product information and the customer information
At loan agreement；Wherein, the loan agreement includes repayment schedule information.
In one embodiment, the information processing unit further include:
First associated storage module, if for receiving N number of investor to the investing tip of the loan product,
The investing tip of N number of investor and the loan product are associated storage；Wherein, the investing tip includes described
The capital project information of the identity information of investor and the investor to the loan product.
The third aspect of the embodiment of the present invention provides a kind of intelligent terminal, including memory, processor and is stored in institute
The computer program that can be run in memory and on the processor is stated, the processor executes real when the computer program
The step of existing above method.
The fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, computer readable storage medium
The step of being stored with computer program, the above method realized when above-mentioned computer program is executed by processor.
In embodiments of the present invention, when receiving the information and customer information of loan product, obtain it is pre-stored with
The associated N number of investor's information of loan product；Wherein, N≤1 and be integer；According to preset matching rule in institute
It states in N number of investor's information, obtains the first investor to match with the loan product and customer information；According to the first investment
Square information, the information of the loan product and the customer information generate loan agreement；Wherein, the loan agreement includes refunding
Plan information.Since directly corresponding first investor can be matched according to loan product information and customer information, and according to
One investor's information generates the loan agreement including repayment schedule information, can be convenient the effective throwing for obtaining and matching with client
Capital simultaneously generates corresponding loan agreement, so that the operating efficiency for searching investor's information can be improved, it is efficient in turn to reduce error
Handle and help loan business.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the flow diagram for the information processing method that the embodiment of the present invention one provides；
Fig. 2 is the flow diagram of information processing method provided by Embodiment 2 of the present invention；
Fig. 3 is the flow diagram for the information processing method that the embodiment of the present invention three provides；
Fig. 4 is the structural schematic diagram for the information processing unit that the embodiment of the present invention four provides
Fig. 5 is the structural schematic diagram for the intelligent terminal that the embodiment of the present invention five provides.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in following methods embodiment, respectively
The execution sequence of process should be determined by its function and internal logic, and the implementation process without coping with each embodiment constitutes any limit
It is fixed.
In order to illustrate technical solutions according to the invention, the following is a description of specific embodiments.
Embodiment one
Information processing method provided in an embodiment of the present invention can be applied to mobile terminal, desktop computer, notebook, the palm
The terminal devices such as upper computer and cloud server, specifically can by operation application software in the terminal device (such as APP or its
Its system) it realizes, as shown in Figure 1, the information processing method includes:
Step S101 obtains the pre-stored and loan when receiving the information and customer information of loan product
The associated N number of investor's information of product；Wherein, N≤1 and be integer；
In embodiments of the present invention, the information of above-mentioned loan product includes but is not limited to the title, model, specification of product
With one or more information in type, as loan product can be mobile phone, tablet computer, motorcycle, electric vehicle, household electrical appliances, when
Still consumer goods etc..Above-mentioned customer information includes but is not limited to the identity information or account information and the credit of client for being client
Record.Above-mentioned investor's information include but is not limited to investor identity information (enterprise name of such as investor, enterprise nature and
The information such as scope of the enterprise).If client can submit the product information and customer information that need to provide a loan by the client at place, according to
The pre-stored N number of investor's information associated with the loan product of the acquisition of information of loan product.Alternatively, being also possible to
Client directly submits the identity information of client, obtains the credit of client from third party's credit platform according to the identity information of client
Record.
In one embodiment, client can account registered in advance, after account succeeds in registration, by the identity information of client with
The registered successful account of client is associated, and the identity information of client can be to be directly acquired when client logins account.
In one embodiment, when receiving the information and customer information of loan product, obtain it is pre-stored with
Before the associated N number of investor's information of loan product, further includes: produced if receiving N number of investor to the loan
The investing tip of N number of investor and the loan product are then associated storage by the investing tip of product；Wherein, described
Identity information that investing tip includes the investor and the investor are to the capital project information of the loan product.At present
Loan product type it is varied, a kind of loan product may have multiple investors to invest it, and an investor can also
With a variety of loan products of correspondence.Can the information of every kind of loan product corresponding investor in advance be associated storage so that ought connect
When receiving loan product information, it can be gone out and the associated N number of investor of loan product according to loan product information matches.
Step S102, according to preset matching rule in N number of investor's information, obtain with the loan product and
The first investor that customer information matches；
In embodiments of the present invention, above-mentioned first investor selected in N number of investor according to preset matching rule with
The investor that client matches.Above-mentioned preset matching rule can be the identity information according to above-mentioned N number of investor, Yi Jili
History is made loans information (such as history make loans number and receive the complaint number information of history), and is obtained and investor's identity information and gone through
History information of making loans determines the comprehensive assessment fractional value of investor, is ranked up further according to the result of comprehensive assessment fractional value, such as from
Small sequence is arrived greatly, exports the highest investor of fractional value, and using the highest investor of fractional value as the first investor.
Step S103 is generated according to first investor's information, the information of the loan product and the customer information and is provided a loan
Contract；Wherein, the loan agreement includes repayment schedule information.
In embodiments of the present invention, above-mentioned loan agreement can according to preset loan agreement template, first investor's information,
Customer information and loan product information generate loan agreement.Above-mentioned loan agreement includes but is not limited to first investor's information, visitor
Family information, loan product information and repayment schedule information.
In one embodiment, described according to the first investor information, the loan product information and the client
Information generates loan agreement, comprising: according to the first investor information, loan product, customer information and pre-stored loan
Money contract template generates loan agreement；Wherein, the loan agreement include client should refund issue, interest should be gone back for each issue, is every
Phase deals with financial management expense and deals with one or more information in service charge for each issue.Above-mentioned capital project information includes but unlimited
It include issue, each issue of the correspondence that corresponding loan product is gone back to the parameter request of loan product, such as parameter request in investor
Time, to be gone back for each issue interest rate coefficient, service rate coefficient, Expenses' rate coefficient and corresponding product minimum requirements client letter
Believed with grade etc..Interest=loan odd corpus × interest rate coefficient should be gone back such as each issue, deal with financial management expense=loan sheet each issue
Gold × Expenses' rate coefficient, deals with service charge=loan principal × service rate coefficient each issue.Therefore it can be thrown according to described first
Capital's information, loan product, customer information and pre-stored loan agreement template generation loan agreement, loan agreement include root
The issue that should refund according to the calculated client of capital project information should go back interest for each issue, deal with financial management expense and each issue for each issue
Deal with one or more information in service charge.
It can be seen that in embodiments of the present invention, directly correspondence can be matched according to loan product information and customer information
The first investor, and according to first investor's information generate include repayment schedule information loan agreement, can be convenient effectively
Acquisition and the investor that client matches and generate corresponding loan agreement, so that the operation for searching investor's information can be improved
Efficiency reduces to malfunction and then efficiently handle and helps loan business.
Embodiment two
The present embodiment is the further explanation to embodiment one, and the present embodiment is the same as example 1 or similar place tool
Body can be found in the associated description of embodiment one, not repeat herein, as shown in Fig. 2, above-mentioned steps S102 is specifically included:
Step S201 determines the credit grade information of the client according to the customer information；Wherein, the customer information
Identity information and credit record information including client；
In embodiments of the present invention, the identity information of above-mentioned client includes but is not limited to the information such as occupation and income.In advance
It stores different occupation and takes in corresponding credit grade relation mapping table, the credit of client can be determined according to the identity information of client
Class information raises or lowers the credit grade of client further according to the credit record of client.It such as can automatic identification statistics credit note
Loan documentation in record is in arrears with record or other negative records such as violating the regulations, according to the negative records number and class in credit record
Type up-regulation or the credit grade for lowering client.
Step S202 obtains the credit grade letter of the client from the capital project information of N number of investor
Breath can matched M investor；Wherein, the capital project information include it is pre-stored can be with the matched letter of corresponding investor
With class information, the 1≤M≤N and the M are integer；
In embodiments of the present invention, it is stored in advance investor's information, and pre-stored investor's information includes but unlimited
In the identity information of investor and the capital project information of investor, capital project information includes that investor produces the loan of investment
The requirement parameter information of product, the issue gone back such as corresponding loan product, each issue of corresponding time, the interest rate system to be gone back for each issue
The information such as the credit grade of number, service rate coefficient, customer account management rate coefficient and corresponding product minimum requirements client, client's
Credit grade just corresponds to investor without authority application lower than the grade of minimum requirements and makes loans.
Step S203 is calculated separately according to the identity information of the M investor and pre-stored history information of making loans
The comprehensive assessment fractional value of the M investor and to comprehensive assessment fractional value by being ranked up from big to small, by comprehensive assessment
The highest investor of score is as the first investor to match with the loan product and customer information.
In embodiments of the present invention, in M investor, it can determine corresponding first according to the identity information of investor
Score value makes loans information according to history, determines second score value of investor, carries out phase according to first score value and second score value
Add the comprehensive assessment score for obtaining investor, using comprehensive assessment point highest investor as with loan product and customer information phase
Matched first investor.The investor of different types of identity information and the relationship map of corresponding first score value can be pre-established
Table, and pre-establish that history makes loans information number and history is made loans and built in information to the complaint record number for coping with the investor
The relation mapping table of the second score value of vertical corresponding investor, as relation mapping table can be when the number of making loans of investor is greater than in advance
If first threshold and the second score value for complaining record number to be arranged less than the second preset value are 50 points, when the number of making loans of investor
Less than or equal to preset first threshold value and the second score value for complaining record number be arranged less than the second preset value is 45 points, works as investor
Number of making loans complain record number to be greater than the second preset value greater than preset first threshold value, and complain record number less than the
Three preset values, then the second score value being arranged are 50 points, can be specifically configured according to practical application, herein without limitation.
Step S204 obtains the first investor to match with the loan product and customer information.
In embodiments of the present invention, it obtains with through calculated first investor of above-mentioned steps S203, specifically can be and obtain
The identification information for taking the first investor, such as the title or other identifier information of investor.
In one embodiment, believe according to the first investor information, the loan product information and the client
Breath generate loan agreement after, further includes: by the loan agreement be sent to on the terminal device of the client association account；
If receive client refusal instruction, using the composite score be worth second largest investor as with the loan product and visitor
The first investor that family information matches.If client is to according to the above-mentioned maximum investor of comprehensive assessment fractional value loan generated
Money contract is dissatisfied, and refusal instruction can be sent by place client.If the refusal instruction of client where receiving, will be above-mentioned
Second largest investor of comprehensive assessment score value re-execute the steps the method and step of S103 as the first investor.
It can be seen that in embodiments of the present invention, due to can directly be matched according to loan product information and customer information
Corresponding first investor, and the loan agreement including repayment schedule information is generated according to first investor's information, it can be convenient
It is effective to obtain and the investor that client matches and generate corresponding loan agreement, so that lookup investor's information can be improved
Operating efficiency reduces to malfunction and then efficiently handle and helps loan business.
Embodiment three
The present embodiment is the further explanation to embodiment one or embodiment two, the present embodiment and embodiment one or embodiment
Two the same or similar places are not repeating, for details, reference can be made to embodiment one or the associated description of embodiment two such as Fig. 3 institute herein
Show, after above-mentioned steps S101, further includes:
Step S301, if receiving new investor to the investing tip of the loan product, by the new investment
Square information and the loan product are associated storage；
In embodiments of the present invention, new investor can be by related service administrative staff to the investing tip of loan product
It submits, or can also be submitted as the client where investor.If receiving new investor to believe the investment of loan product
When breath, then new investor's information and loan product are associated storage.
Step S302, if the instruction of update the second investor information in N number of investor is received, according to reception
The incidence relation of the update data updating pre-stored second investor and the loan product that arrive.
In embodiments of the present invention, the instruction of above-mentioned the second investor of update can be uploaded by related service administrative staff and be mentioned
It hands over, or can also be submitted as the client where investor, include the data information for needing to update in the instruction of submission.And root
The incidence relation of pre-stored second investor and loan product are updated according to the data information received.
It can be seen that in embodiments of the present invention, due to can directly be matched according to loan product information and customer information
Corresponding first investor, and the loan agreement including repayment schedule information is generated according to first investor's information, it can be convenient
It is effective to obtain and the investor that client matches and generate corresponding loan agreement, so that lookup investor's information can be improved
Operating efficiency reduces to malfunction and then efficiently handle and helps loan business.
Example IV
The embodiment of the present invention provides a kind of information processing unit, for executing the method and step in method implementation, can integrate
In terminal devices such as mobile terminal, desktop PC, notebook, palm PC and cloud servers, as shown in figure 4, described
Information processing unit 400 includes:
First obtains module 401, for obtaining pre-stored when receiving the information and customer information of loan product
With the associated N number of investor's information of the loan product；Wherein, N≤1 and be integer；
Second obtains module 402, is used for according to preset matching rule in N number of investor's information, acquisition and institute
State loan product and the first investor that customer information matches；
In one embodiment, the second acquisition module 402 includes:
Determination unit, for determining the credit grade information of the client according to the customer information；Wherein, the client
Information includes the identity information and credit record information of client；
First acquisition unit, for obtaining the letter of the client from the capital project information of N number of investor
It can matched M investor with class information；Wherein, the capital project information include it is pre-stored can be with corresponding investor
Matched credit grade information, the 1≤M≤N and the M are integer；
Computing unit, for the identity information and pre-stored history according to the M investor make loans information difference
It calculates the comprehensive assessment fractional value of the M investor and to comprehensive assessment fractional value by being ranked up from big to small, will integrate
The highest investor of score is assessed as the first investor to match with the loan product and customer information；
Second acquisition unit, for obtaining the first investor to match with the loan product and customer information.
Generation module 403, for according to the first investor information, the loan product information and the customer information
Generate loan agreement；Wherein, the loan agreement includes repayment schedule information.
In one embodiment, the generation module 403 is specifically used for being produced according to the first investor information, loan
Product, customer information and pre-stored loan agreement template generation loan agreement；Wherein, the loan agreement includes that client should go back
The issue of money should go back interest for each issue, deals with financial management expense for each issue and deal with one or more information in service charge for each issue.
In one embodiment, the information processing unit further include:
Sending module, for after generation module triggering executes, the loan agreement to be sent to and the visitor
On the terminal device of family associated account number；
If receive client refusal instruction, using the composite score be worth second largest investor as with the loan
The first investor that product and customer information match.
In one embodiment, the information processing unit 400 further include:
First associated storage module 404, if believing for receiving N number of investor the investment of the loan product
Breath, then be associated storage for the investing tip of N number of investor and the loan product；Wherein, the investing tip packet
The identity information for including the investor and the investor are to the capital project information of the loan product.
In one embodiment, the information processing unit 400 further include:
Second associated storage module 405 is used for after the triggering of the first associated storage module executes, if receiving new throwing
New investor's information and the loan product are then associated and are deposited to the investing tip of the loan product by capital
Storage；
Module 406 is updated storage, is used for after the triggering of the first associated storage module executes, if receiving N number of throwing
The instruction of update the second investor information of the second investor in capital is then deposited according to the update data updating received in advance
The incidence relation of second investor and the loan product of storage.
It can be seen that in embodiments of the present invention, due to can directly be matched according to loan product information and customer information
Corresponding first investor, and the loan agreement including repayment schedule information is generated according to first investor's information, it can be convenient
It is effective to obtain and the investor that client matches and generate corresponding loan agreement, so that lookup investor's information can be improved
Operating efficiency reduces to malfunction and then efficiently handle and helps loan business.
Embodiment five
As shown in figure 5, being the structural schematic diagram of intelligent terminal provided in an embodiment of the present invention.The intelligent terminal 500 wraps
It includes: processor 501, memory 502 and being stored in the meter that can be run in above-mentioned memory 502 and on above-mentioned processor 501
Calculation machine program 503.Above-mentioned processor 501 is realized in above- mentioned information processing method embodiment when executing above-mentioned computer program 503
The step of, such as the method and step in embodiment one, the method and step in embodiment and/or the method and step in embodiment three.
Illustratively, above-mentioned computer program 503 can be divided into one or more units/modules, said one or
The multiple units/modules of person are stored in above-mentioned memory 502, and are executed by above-mentioned processor 501, to complete the present invention.On
Stating one or more units/modules can be the series of computation machine program instruction section that can complete specific function, the instruction segment
For describing implementation procedure of the above-mentioned computer program 503 in above-mentioned intelligent terminal 500.For example, above-mentioned computer program 503
The first acquisition module can be divided into, second obtains module, generation module, the first associated storage module, the second associated storage
Module, updates storage the modules such as module, and each module concrete function has been described in above-described embodiment four, do not repeating herein.
Above-mentioned intelligent terminal 500 can be dynamic terminal, desktop PC, notebook, palm PC and cloud server
Equal terminal devices.Above-mentioned intelligent terminal 500 may include, but be not limited only to, processor 501, memory 502.Those skilled in the art
Member is appreciated that Fig. 5 is only the example of intelligent terminal 500, does not constitute the restriction to intelligent terminal 500, may include ratio
More or fewer components are illustrated, certain components or different components are perhaps combined, such as above-mentioned intelligent terminal 500 may be used also
To include input-output equipment, network access equipment, bus etc..
Alleged processor 501 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
Above-mentioned memory 502 can be the internal storage unit of intelligent terminal 500, for example, intelligent terminal 500 hard disk or
Memory.Above-mentioned memory 502 is also possible to the External memory equipment of above-mentioned intelligent terminal 500, such as on above-mentioned intelligent terminal 500
The plug-in type hard disk of outfit, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD)
Card, flash card (Flash Card) etc..Further, above-mentioned memory 502 can also be both interior including above-mentioned intelligent terminal 500
Portion's storage unit also includes External memory equipment.Above-mentioned memory 502 is for storing above-mentioned computer program and above-mentioned intelligence
Other programs and data needed for terminal 500.Above-mentioned memory 502, which can be also used for temporarily storing, have been exported or will
The data of output.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of above-mentioned apparatus is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above-mentioned intelligence
The specific work process of unit in terminal, module, can refer to corresponding processes in the foregoing method embodiment, no longer superfluous herein
It states.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed device and method can pass through others
Mode is realized.For example, the apparatus embodiments described above are merely exemplary, for example, the division of above-mentioned module or unit,
Only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components can be with
In conjunction with or be desirably integrated into another system, or some features can be ignored or not executed.Another point, it is shown or discussed
Mutual coupling or direct-coupling or communication connection can be through some interfaces, the INDIRECT COUPLING of device or unit or
Communication connection can be electrical property, mechanical or other forms.
Above-mentioned 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 invention according to the actual needs
Purpose.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If above-mentioned 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 present invention realizes above-described embodiment side
All or part of the process in method can also instruct relevant hardware to complete, above-mentioned computer by computer program
Program can be stored in a computer readable storage medium, and the computer program is when being executed by processor, it can be achieved that above-mentioned each
The step of a embodiment of the method.Wherein, above-mentioned computer program includes computer program code, and above-mentioned computer program code can
Think source code form, object identification code form, executable file or certain intermediate forms etc..Above-mentioned computer-readable medium can be with
It include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, light that can carry above-mentioned computer program code
Disk, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random
Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that above-mentioned computer
The content that readable medium includes can carry out increase and decrease appropriate according to the requirement made laws in jurisdiction with patent practice, such as
In certain jurisdictions, according to legislation and patent practice, computer-readable medium do not include be electric carrier signal and telecommunications letter
Number.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of information processing method characterized by comprising
When receiving the information and customer information of loan product, obtain pre-stored associated N number of with the loan product
Investor's information；Wherein, N≤1 and be integer；
According to preset matching rule in N number of investor's information, obtain and the loan product and customer information phase
The first investor matched；
Loan agreement is generated according to first investor's information, the information of the loan product and the customer information；Wherein, described
Loan agreement includes repayment schedule information.
2. information processing method according to claim 1, which is characterized in that as information and the visitor for receiving loan product
When the information of family, obtain it is pre-stored with the associated N number of investor's information of the loan product before, further includes:
If receiving N number of investor to the investing tip of the loan product, by the investing tip of N number of investor
Storage is associated with the loan product；Wherein, the investing tip include the investor identity information and the throwing
Capital project information of the capital to the loan product.
3. information processing method according to claim 2, which is characterized in that it is described according to preset matching rule described
In N number of investor's information, the first investor to match with the loan product and customer information is obtained, comprising:
The credit grade information of the client is determined according to the customer information；Wherein, the customer information includes the body of client
Part information and credit record information；
From the capital project information of N number of investor, the credit grade information for obtaining the client can be M matched
Investor；Wherein, the capital project information include it is pre-stored can be with the matched credit grade information of corresponding investor, institute
It states 1≤M≤N and the M is integer；
The M investor is calculated separately according to the identity information of the M investor and pre-stored history information of making loans
Comprehensive assessment fractional value and to comprehensive assessment fractional value by being ranked up from big to small, by the maximum investment of comprehensive assessment score
The first investor that Fang Zuowei and the loan product and customer information match；
Obtain the first investor to match with the loan product and customer information.
4. information processing method according to claim 2, which is characterized in that it is described according to the first investor information,
The loan product information and the customer information generate loan agreement, comprising:
It is provided a loan according to the first investor information, loan product, customer information and pre-stored loan agreement template generation
Contract；Wherein, the loan agreement include client should refund issue, interest should be gone back for each issue, deal with financial management expense for each issue and
Each issue of one or more information dealt in service charge.
5. information processing method according to any one of claims 1 to 4, which is characterized in that receive loan product working as
When with customer information, obtain it is pre-stored with the associated N number of investor's information of the loan product after, further includes:
If receiving new investor to the investing tip of the loan product, by new investor's information and the loan
Money product is associated storage；
If the instruction of update the second investor information of the second investor in N number of investor is received, according to reception
The incidence relation of the update data updating pre-stored second investor and the loan product that arrive.
6. information processing method according to claim 3, which is characterized in that according to the first investor information, institute
It states after loan product information and the customer information generate loan agreement, further includes:
By the loan agreement be sent to on the terminal device of the client association account；
If receive client refusal instruction, using the composite score be worth second largest investor as with the loan product
The first investor to match with customer information.
7. a kind of information processing unit characterized by comprising
First obtains module, for when receiving the information and customer information of loan product, obtain it is pre-stored with it is described
The associated N number of investor's information of loan product；Wherein, N≤1 and be integer；
Second obtains module, in N number of investor's information, obtaining and producing with the loan according to preset matching rule
The first investor that product and customer information match；
Generation module is borrowed for being generated according to the first investor information, the loan product information and the customer information
Money contract；Wherein, the loan agreement includes repayment schedule information.
8. information processing unit according to claim 7, which is characterized in that the information processing unit further include:
First associated storage module, if for receiving N number of investor to the investing tip of the loan product, by institute
The investing tip and the loan product for stating N number of investor are associated storage；Wherein, the investing tip includes the investment
The identity information of side and the investor are to the capital project information of the loan product.
9. a kind of intelligent terminal, including memory, processor and storage are in the memory and can be on the processor
The computer program of operation, which is characterized in that the processor realizes such as claim 1 to 6 when executing the computer program
The step of any one the method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In when the computer program is executed by processor the step of any one of such as claim 1 to 6 of realization the method.
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| CN201811360452.5A CN109685641A (en) | 2018-11-15 | 2018-11-15 | A kind of information processing method and device |
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| CN201811360452.5A CN109685641A (en) | 2018-11-15 | 2018-11-15 | A kind of information processing method and device |
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| CN110264366A (en) * | 2019-05-20 | 2019-09-20 | 深圳壹账通智能科技有限公司 | Terminal device, information processing method and storage medium |
| CN110688584A (en) * | 2019-09-09 | 2020-01-14 | 上海凯京信达科技集团有限公司 | User matching method, electronic equipment and computer program product |
| CN111340584A (en) * | 2020-02-19 | 2020-06-26 | 深圳乐信软件技术有限公司 | Method, device, equipment and storage medium for determining fund side |
| CN112508680A (en) * | 2020-11-30 | 2021-03-16 | 深圳市飞泉云数据服务有限公司 | Method, device, system and computer readable storage medium for fund configuration |
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Application publication date: 20190426 |