CN109800953B - Method, device, computer equipment and storage medium for checking rented application - Google Patents
Method, device, computer equipment and storage medium for checking rented application Download PDFInfo
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- 238000000034 method Methods 0.000 title claims abstract description 61
- 238000012550 audit Methods 0.000 claims abstract description 58
- 238000011835 investigation Methods 0.000 claims abstract description 20
- 238000013475 authorization Methods 0.000 claims description 62
- 238000004590 computer program Methods 0.000 claims description 27
- 230000001502 supplementing effect Effects 0.000 claims description 22
- 238000012795 verification Methods 0.000 claims description 11
- 238000012797 qualification Methods 0.000 claims description 9
- 238000007405 data analysis Methods 0.000 abstract description 3
- 239000000047 product Substances 0.000 description 12
- 238000010586 diagram Methods 0.000 description 5
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- 230000007812 deficiency Effects 0.000 description 1
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- 239000004973 liquid crystal related substance Substances 0.000 description 1
- 239000000463 material Substances 0.000 description 1
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Abstract
The present application relates to the field of big data analysis, and in particular, to a method and apparatus for checking a rented application, a computer device, and a storage medium. The method comprises the following steps: receiving a lessee application sent by a user terminal, wherein the lessee application carries lessee information; acquiring a pre-examination and approval rule, examining and approving the lessee information according to the pre-examination and approval rule, and generating a request message according to the lessee information when the lessee information passes the examination and approval; the request message is sent to a server, and a credit investigation report corresponding to the request message sent by the server is received; acquiring anti-fraud rules, and auditing the credit report according to the anti-fraud rules; and when the credit report audit is passed, the lessee information is sent to the server. The method can effectively improve the auditing efficiency of the user renting application.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and apparatus for checking a rented application, a computer device, and a storage medium.
Background
With the development of society and technology, renting of valuable products such as automobiles and houses is becoming more popular, and renting services of valuable products are also being generated, and in such renting services, it is necessary to audit the data of the applicant who submitted the renting application to confirm whether the renting application is qualified.
Conventionally, data auditing of a lessee application is performed manually or through online information screening, and when the lessee application is large, auditing efficiency is low.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a lease application auditing method, apparatus, computer device, and storage medium that can improve auditing efficiency.
A method of lease application auditing, the method comprising:
receiving a renting application sent by a user terminal, wherein the renting application carries renting information;
acquiring a pre-examination rule, examining and approving the lesson information according to the pre-examination rule, and generating a request message according to the lesson information when the lesson information is examined and approved;
the request message is sent to a server, and a credit investigation report corresponding to the request message sent by the server is received;
acquiring anti-fraud rules, and auditing the credit report according to the anti-fraud rules;
and when the credit report auditing is passed, sending the renting information to the server.
In one embodiment, after the sending the request message to the server, the method further includes:
when receiving a message which is sent by the server and can not acquire a credit report corresponding to the request message, generating an authorization request for acquiring qualification of the credit report, and sending the authorization request to the user terminal;
Receiving an authorization certificate corresponding to the authorization request returned by the user terminal;
and sending the authorization certificate to the server, wherein the authorization certificate is used for indicating the server to verify the authorization certificate and returning the credit reporting after the verification is successful.
In one embodiment, before generating the request message according to the tenant information, the method further includes:
generating an information supplementing request and sending the information supplementing request to the user terminal;
receiving credit association information returned by the user terminal according to the information supplementing request;
the generating a request message according to the tenant information includes:
and generating a request message according to the lessee information and the credit association information.
In one embodiment, after the lessee information is sent to the server when the credit report audit is passed, the method further includes:
acquiring a lessee contract sent by a server, and sending the contract to the user terminal;
and receiving subscription information corresponding to the lessee contract returned by the user terminal.
And sending the subscription information to the server.
In one embodiment, after the approving the tenant information according to the pre-approval rule, the method further includes:
When the approval of the lessee information is not passed, generating a first refusal message;
sending the first rejection message to the user terminal;
and when receiving the renting information which is returned by the user terminal and is supplemented according to the first refusal message, continuing to approve the renting information according to the pre-approval rule.
In one embodiment, after the auditing the credit report according to the anti-fraud rule, the method further includes:
generating a second rejection message when the credit report audit fails;
sending the second rejection message to the user terminal;
and when receiving a rechecking request corresponding to the second rejection message returned by the user terminal, continuing to generate a request message according to the lessee information.
In one embodiment, after the auditing the credit report according to the anti-fraud rule, the method further includes:
generating a notification message when the credit reporting audit is passed;
and sending the notification message to the user terminal.
A lease application auditing apparatus, the apparatus comprising:
the receiving module is used for receiving a renting application sent by the user terminal, wherein the renting application carries renting information;
The pre-examination and approval module is used for acquiring pre-examination and approval rules, examining and approving the lessee information according to the pre-examination and approval rules, and generating a request message according to the lessee information when the lessee information is examined and approved;
the report acquisition module is used for sending the request message to a server and receiving a credit investigation report corresponding to the request message sent by the server;
the anti-fraud auditing module is used for acquiring anti-fraud rules and auditing the credit reporting according to the anti-fraud rules;
and the passing module is used for sending the renting information to the server when the credit report auditing passes.
A computer device comprising a memory storing a computer program and a processor implementing the steps of any one of the methods described above when the processor executes the computer program.
A computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the method of any of the preceding claims.
According to the method, the device, the computer equipment and the storage medium for checking the renting application, the pre-checking batch rules and the anti-fraud rules which can pre-check the renting information are trained through the data analysis of a large number of users of the renting application; and firstly, carrying out simple pre-examination and approval on the lessee application proposed by the user according to the pre-examination and approval rule, verifying whether other information except the credit report meets the lessee requirement, if the pre-examination and approval is passed, sending the lessee application to a server, accessing the credit system by the server, verifying whether the credit report has fraud risk according to the anti-fraud rule, and after the lessee application passes the two-time examination and approval, obtaining lessee qualification. According to the method for checking the renting application, before the renting application is accessed to the credit investigation system, the renting application is screened for the first time through the pre-approval process, the non-conforming renting application is filtered, the credit investigation system is accessed to the renting application through the pre-approval process, the fraud risk is judged, and the checking efficiency of the user renting application can be effectively improved.
Drawings
FIG. 1 is an application scenario diagram of a tenant application auditing method in one embodiment;
FIG. 2 is a flow diagram of a method of auditing a tenant application in one embodiment;
FIG. 3 is a flow chart of a credit authorization method in one embodiment;
FIG. 4 is a block diagram of a tenant application auditing apparatus in one embodiment;
fig. 5 is an internal structural diagram of a computer device in one embodiment.
Detailed Description
The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.
The product pushing method provided by the application can be applied to an application environment shown in figure 1. Wherein the user terminal 102 communicates with the auditing terminal 104 via a network, and the terminal 104 is also capable of communicating with the server 106 via the network. A user who initiates a lease application may send a lease application to the terminal 104 through the user terminal 102, where the lease application carries lease information, and the audit terminal 104 pre-approves the lease application through a pre-approval rule, and when the approval passes, generates a request message for requesting a user credit report to the server 106, and after receiving the credit report sent by the server 106, performs fraud audit on the credit report according to a fraud prevention rule, and if the fraud audit also passes, the lease application passes audit of the audit terminal 104, and the audit terminal 104 sends the lease information to the server 106. The user terminal 102 and the audit terminal 104 may be, but not limited to, various personal computers, notebook computers, smartphones, tablet computers, and portable wearable devices, and the server 104 may be implemented as a stand-alone server or a server cluster composed of a plurality of servers.
In one embodiment, as shown in fig. 2, a method for auditing a lessee application is provided, and the method is applied to the audit terminal 104 in fig. 1 for illustration, and includes the following steps:
s202, receiving a renting application sent by the user terminal, wherein the renting application carries renting information.
The application of the renting is an application of renting products which are about to participate in the renting activities or purchase the present, and the renting activities are characterized by large time span, installment payment and the like, so that the application of the renting products needs to be directed at using a corresponding auditing method. The tenant information is information for auditing this tenant application, for example, identity information of the tenant who raised the tenant application and its insurer, and the like.
Specifically, a user sends a lessee application to an auditing terminal through a user terminal, and after receiving the lessee application, the auditing terminal acquires lessee information carried in the lessee application for a subsequent auditing process. The technician can issue a page for filling in the renting application to the user terminal, and the user can fill in the renting information on the page to form the renting application and send the renting application to the auditing terminal.
S204, obtaining the pre-approval rule, approving the lessee information according to the pre-approval rule, and generating a request message according to the lessee information when the lessee information is approved.
The pre-auditing rule is used for auditing the renting application lifted by the user for the first time, and is formed by a technician according to the auditing flow of the previous renting application; the pre-review batch rule may be to check whether the tenant information in the tenant application is perfect, and although the user fills in the corresponding tenant information when the user terminal lifts the tenant application, the filled tenant information is not necessarily true and meets the requirements, and the technician may write the pre-review batch rule for verifying the user identity information and the sponsor information, for example, check whether the fields thereof meet the requirements, check whether the sponsor information is true through the database of the host, and so on.
The auditing terminal stores the pre-auditing rule at a preset position on the terminal, reads the pre-auditing rule from the preset position after receiving the lessee application sent by the user terminal, verifies whether the lessee application meets the requirement of the pre-auditing rule, if so, continues to perform the next credit report acquisition operation through the pre-auditing flow, and generates a request message for requesting a corresponding credit report from the credit system according to the lessee application, wherein the request message contains the identity information of the person to be acquired the credit report. The terminal pre-approves the lessee information according to a preset pre-approval rule, deletes lessee applications which do not meet the pre-approval rule, such as poor credit worthiness or incomplete information, and the like, and carries out first approval on lessee applications lifted by the user.
S206, the request message is sent to the server, and a credit report corresponding to the request message sent by the server is received.
The credit report is used for representing the credit record of the user or the guarantor who lifts the lessee application, and the server requests to acquire the credit record from a credit system, such as a database of pedestrian credit, foresea credit and the like; the credit report should include a record of the transaction credit at other banks or financial institutions.
Specifically, the server is a device for uniformly accessing the credit library, the auditing terminal sends the request message generated in step S204 to the server, the server obtains the credit report of the corresponding user or guarantor in the request message from the credit system, and returns the obtained credit report to the auditing terminal. Optionally, the credit investigation system can verify whether the server has credit investigation permission, namely, when the server accesses the credit investigation system, the server is allowed to access the credit investigation system after the verification is passed, and a credit investigation report corresponding to the renting application is obtained.
S208, acquiring anti-fraud rules, and auditing the credit report according to the anti-fraud rules.
The anti-fraud rule is a standard for auditing credit reports of users or guarantors of the renting applications, namely, the second auditing of the renting applications by the auditing terminal; and the technician judges which risk information in the credit report possibly causes the user to generate default behavior after purchasing the product according to the characteristic analysis of the product corresponding to the renting application initiated by the user and the analysis of a large number of renting records, and the application is refused before the user purchases the product, so that the user is prevented from happening. For example, a rule that a user who has had a large number of overdue dates in the past may not be able to guarantee that rentals can be paid on time after having purchased rental products, that a user and their guarantor have multiple records of violations, the risk of violations is also high, and so on.
Specifically, the auditing terminal carries out fraud auditing operation on the credit report corresponding to the renting application according to the anti-fraud rule, judges whether the probability that the renting application will generate default risks in the future is higher from the credit angle of the user or the guaranteeing person of the renting application, and if the probability is obviously higher, namely the renting application cannot pass the fraud auditing, otherwise, considers the renting application to be safe.
And S210, when the credit report audit is passed, the renting information is sent to the server.
Specifically, after the verification is passed, the information of the renting application is considered to meet the renting requirement, and the renting application can be sent to the server to inform the server to execute the next operation on the renting application, such as informing the user to sign a contract or to perform subsequent product selection, etc.
According to the method for checking the renting application, the pre-checking batch rules and the anti-fraud rules which can pre-check the renting information are trained through the data analysis of a large number of users of the renting application; and firstly, carrying out simple pre-examination and approval on the lessee application proposed by the user according to the pre-examination and approval rule, verifying whether other information except the credit report meets the lessee requirement, if the pre-examination and approval is passed, sending the lessee application to a server, accessing the credit system by the server, verifying whether the credit report has fraud risk according to the anti-fraud rule, and after the lessee application passes the two-time examination and approval, obtaining lessee qualification. According to the method for checking the renting application, before the renting application is accessed to the credit investigation system, the renting application is screened for the first time through the pre-approval process, the non-conforming renting application is filtered, the credit investigation system is accessed to the renting application through the pre-approval process, the fraud risk is judged, and the checking efficiency of the user renting application can be effectively improved.
In one embodiment, referring to fig. 3, after the step S206 sends the request message to the server, a credit authorization method is further included, which specifically includes the following steps:
s302, when a message which is sent by a server and cannot acquire a credit report corresponding to the request message is received, an authorization request for acquiring qualification of the credit report is generated, and the authorization request is sent to a user terminal.
The authorization request is a request for requesting the user terminal to obtain the user or the guarantor corresponding to the renting application by the principal staff through other ways, and can be sent to the user terminal by the auditing terminal through a message such as a mail or a short message.
Specifically, when the server requests the credit report from the credit system, if the corresponding credit report cannot be obtained, and the transaction record related to the credit of the subject to be obtained is not available in the credit system, the audit terminal needs to obtain the authorization of the subject to be obtained, and the related transaction information is obtained in other systems by the audit terminal, so as to sort out the credit report of the subject.
S304, receiving an authorization certificate corresponding to the authorization request returned by the user terminal.
Specifically, if the object to be acquired the credit report agrees to be authorized, the corresponding person is usually required to sign an authorization certificate, and the user terminal sends the authorization certificate to the auditing terminal.
S306, sending an authorization certificate to the server, wherein the authorization certificate is used for indicating the server to verify the authorization certificate, and returning a credit report after the verification is successful.
Specifically, the auditing terminal sends the authorization certificate to the server, the server can access other credit investigation systems or transaction databases through the authorization certificate, the transaction records and credit investigation records of the object to be acquired with the credit investigation report are acquired, and the credit investigation report is formed and returned to the auditing terminal to continue to execute the fraud auditing step.
In the above embodiment, when the credit report is not queried in the credit system, the corresponding credit report can be integrated in an authorized manner of the principal, so that the condition that the lessee application is returned without the credit report is avoided, and the auditing accuracy is improved.
In one embodiment, before generating the request message according to the tenant information in the step S204, the method further includes: generating an information supplementing request and sending the information supplementing request to a user terminal; receiving credit association information returned by the user terminal according to the information supplementing request; the step S204 of generating a request message according to the tenant information may include: a request message is generated based on the tenant information and the credit association information.
The information supplementing request is a request for requiring the user to provide corresponding information for operation after executing step S204, and when the pre-examination of the examination request by the examination terminal passes, the request is generated, and after the user terminal sends the supplemented credit association information, the next step of fraud examination is continuously executed.
Specifically, when the user submits the lessee application to be pre-approved, the user only needs to provide basic information such as lessees, spouse, assurances and the like, submit and run the pre-approval rule, and filter out a batch of lessee application which does not accord with the pre-approval rule. After the lessee application passes the pre-approval and the auditing, the user is required to supplement the associated information such as credit authorization books, conjunctions and the like to acquire the corresponding credit report.
In the embodiment, the pre-examination operation can be performed without providing all information at one time by the client, so that the information input pressure of the user in the pre-examination stage is reduced.
In one embodiment, when the credit report audit is passed, step S210 may further include: acquiring a lessee contract sent by a server and sending the contract to a user terminal; receiving subscription information corresponding to the lessee contract returned by the user terminal; and sending the subscription information to the server.
Wherein, the lessee contract is a contract which judges that the lessee application meets the requirement and allows the user to lease after the server completes all auditing work of the lessee application; the lessee contract should include all contractual obligations such as lessee products, leases, lease periods, etc.
The subscription information is a manual or electronic signature signed after the user agrees to rent the items in the contract, and other certificates can be used.
Specifically, after the auditing terminal passes the auditing of the renting application, the server performs operations such as monetary approval and the like on the renting application, when the server confirms that the renting application can be executed, the server selects corresponding contract terms from a contract library to generate a contract aiming at the renting application, the contract is sent to the auditing terminal, the auditing terminal forwards the contract to the user terminal, after the user terminal receives the contract, the user performs electronic face signing on the contract, the signing information is sent to the auditing terminal, and the auditing terminal forwards the signing information to the server after receiving the signing information, so that the renting transaction is completed. Alternatively, the interaction between the contract and the subscription information between the terminal and the client may be in the form of a WeChat message or the like.
In the above embodiment, lessees can sign up and go through electronic contracts and online files, so that the error rate of offline signing up is reduced, the workload of operation contract handover is reduced, and meanwhile, signing up efficiency is improved, and the efficiency of delivering and archiving contract data and mortgage materials is improved.
In one embodiment, after the approval of the tenant information according to the pre-approval rule in step S204, the method may further include: when the approval of the lessee information is not passed, generating a first refusal message; sending a first rejection message to the user terminal; and when receiving the renting information which is returned by the user terminal and is supplemented according to the first refusal message, continuing to approve the renting information according to the pre-approval rule.
The first reject message is a message for indicating that the lessee application fails the pre-approval process, and may be sent to the user terminal in the form of a short message or mail. When the audit terminal pre-approves the tenant information in the tenant application through the step S204, if the tenant information does not meet the pre-approval rule, the audit terminal generates a first rejection message and sends the first rejection message to the user terminal, informs the user of the error that the tenant application fails to pass the audit, and the user can correct the error in the tenant information according to the information that the tenant information reflected in the first rejection message does not meet the requirement, and sends the corrected tenant information to the audit terminal to re-lift the audit flow of the tenant application.
In the above embodiment, for the renting application that fails the pre-approval, the auditing terminal generates the first refusal message to refuse the renting application, and informs the user.
In one embodiment, after the checking the credit report according to the anti-fraud rule in step S208, the method may further include: generating a second rejection message when the credit report audit fails; sending a second rejection message to the user terminal; and when receiving a rechecking request corresponding to the second rejection message returned by the user terminal, continuing to generate a request message according to the lessee information.
The second reject message is a message for indicating that the renting application fails the fraud auditing process, and may be sent to the user terminal in the form of a short message or mail, etc. When the audit terminal performs fraud audit on the credit report in the lessee application through the step S208, if the credit report does not meet the rules of anti-fraud rules, the audit terminal generates a second rejection message and sends the second rejection message to the user terminal, so as to inform the user that the lessee application fails the error of fraud audit, for example, the credit report of the user records the bank credit deficiency of the user, and the user can re-lift the audit after solving the problem that the user fails the fraud audit according to the second rejection message, the user initiates a re-audit request to the audit terminal through the user terminal, and the audit terminal can skip the pre-approval process, directly acquire the credit report from the server again, and perform the fraud audit.
In the above embodiment, for the renting application that fails the fraud audit, the audit terminal generates the second reject message to reject the renting application and informs the user.
In one embodiment, after the checking the credit report according to the anti-fraud rule in step S208, the method may further include: when the credit report passes the audit, generating a notification message; and sending the notification message to the user terminal.
The notification message is a message for notifying the user that the submitted renting application has passed the audit, and may be sent to the user terminal in the form of a short message or mail, etc.
Specifically, after the lessee application passes the pre-audit and fraud audit processes, the lessee application is indicated to meet the requirement of purchasing leased products or participating in lessee activities, and the user can perform the next transaction operation; and the auditing terminal generates an audited notification message and sends the notification message to the terminal corresponding to the lessee application.
According to the embodiment, the auditing terminal sends the notification message to the user, so that the user can know the result of the audit passing of the lessee application.
It should be understood that, although the steps in the flowcharts of fig. 2 to 3 are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in fig. 2-3 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, nor does the order in which the sub-steps or stages are performed necessarily occur sequentially, but may be performed alternately or alternately with at least a portion of other steps or sub-steps or stages of other steps.
In one embodiment, as shown in fig. 3, there is provided a lease application auditing apparatus, including: a receiving module 100, a pre-review batch module 200, a report acquisition module 300, a anti-fraud review module 400, and a pass module 500, wherein:
and the receiving module 100 is configured to receive a lessee application sent by the user terminal, where the lessee application carries lessee information.
And the pre-approval module 200 is used for acquiring the pre-approval rule, approving the renting information according to the pre-approval rule, and generating a request message according to the renting information when the renting information is approved.
The report obtaining module 300 is configured to send the request message to the server, and receive a credit report corresponding to the request message sent by the server.
And the anti-fraud auditing module 400 is used for acquiring anti-fraud rules and auditing the credit report according to the anti-fraud rules.
And a module 500 for sending the renting information to the server when the credit report audit is passed.
In one embodiment, the above-mentioned lease application checking apparatus further includes:
and the authorization request module is used for generating an authorization request for acquiring qualification of the credit report when receiving a message which is sent by the server and can not acquire the credit report corresponding to the request message, and sending the authorization request to the user terminal.
And the authorization module is used for receiving an authorization certificate corresponding to the authorization request returned by the user terminal.
The verification module is used for sending an authorization certificate to the server, wherein the authorization certificate is used for indicating the server to verify the authorization certificate and returning a credit report after the verification is successful.
In one embodiment, the above-mentioned lease application checking apparatus may further include:
and the information supplementing module is used for generating an information supplementing request and sending the information supplementing request to the user terminal.
And the supplementary information acquisition module is used for receiving credit associated information returned by the user terminal according to the information supplementary request.
The pre-audit module 200 is further configured to generate a request message according to the tenant information and the credit association information.
In one embodiment, the above-mentioned lease application checking apparatus may further include:
and the contract acquisition module is used for acquiring the lessee contract sent by the server and sending the contract to the user terminal.
And the signing module is used for receiving signing information corresponding to the lessee contract returned by the user terminal.
And the subscription record module is used for sending the subscription information to the server.
In one embodiment, the above-mentioned lease application checking apparatus may further include:
And the first refusal module is used for generating a first refusal message when the approval of the lessee information is not passed.
And the first sending module is used for sending the first rejection message to the user terminal.
And the secondary pre-examination and approval module is used for continuously examining and approving the renting information according to the pre-examination and approval rule when receiving the renting information which is returned by the user terminal and is supplemented according to the first rejection message.
In one embodiment, the above-mentioned lease application checking apparatus may further include:
and the second rejection module is used for generating a second rejection message when the credit report audit fails.
And the second sending module is used for sending the second rejection message to the user terminal.
And the secondary credit module is used for continuously generating a request message according to the lessee information when receiving a rechecking request corresponding to the second refusal message returned by the user terminal.
In one embodiment, the above-mentioned lease application checking apparatus may further include:
and the notification generation module is used for generating a notification message when the credit report audit is passed.
And the notification sending module is used for sending the notification message to the user terminal.
For specific limitations on the lease application auditing apparatus, reference is made to the above limitation on the lease application auditing method, and no further description is given here. The modules in the above-mentioned lease application auditing apparatus may be implemented in whole or in part by software, hardware, and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a terminal, and the internal structure of which may be as shown in fig. 5. The computer device includes a processor, a memory, a network interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program, when executed by a processor, implements a knowledge base linkage update method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be keys, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the structure shown in FIG. 5 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
In one embodiment, a computer device is provided comprising a memory storing a computer program and a processor that when executing the computer program performs the steps of: receiving a lessee application sent by a user terminal, wherein the lessee application carries lessee information; acquiring a pre-examination and approval rule, examining and approving the lessee information according to the pre-examination and approval rule, and generating a request message according to the lessee information when the lessee information passes the examination and approval; the request message is sent to a server, and a credit investigation report corresponding to the request message sent by the server is received; acquiring anti-fraud rules, and auditing the credit report according to the anti-fraud rules; and when the credit report audit is passed, the lessee information is sent to the server.
In one embodiment, after the processor sends the request message to the server when executing the computer program, the method further includes: when receiving a message which is sent by a server and can not acquire a credit report corresponding to the request message, generating an authorization request for acquiring qualification of the credit report, and sending the authorization request to a user terminal; receiving an authorization certificate corresponding to the authorization request returned by the user terminal; and sending an authorization certificate to the server, wherein the authorization certificate is used for indicating the server to verify the authorization certificate, and returning a credit report after the verification is successful.
In one embodiment, before the processor generates the request message according to the tenant information, the method further includes: generating an information supplementing request and sending the information supplementing request to a user terminal; receiving credit association information returned by the user terminal according to the information supplementing request; a processor, when executing a computer program, generates a request message according to tenant information, comprising: a request message is generated based on the tenant information and the credit association information.
In one embodiment, after sending the tenant information to the server when the credit report audits are passed, the processor when executing the computer program further comprises: acquiring a lessee contract sent by a server and sending the contract to a user terminal; receiving subscription information corresponding to the lessee contract returned by the user terminal; and sending the subscription information to the server.
In one embodiment, after the approval of the tenant information according to the pre-approval rule implemented when the processor executes the computer program, the method further includes: when the approval of the lessee information is not passed, generating a first refusal message; sending a first rejection message to the user terminal; and when receiving the renting information which is returned by the user terminal and is supplemented according to the first refusal message, continuing to approve the renting information according to the pre-approval rule.
In one embodiment, after auditing the credit report according to the anti-fraud rules implemented when the processor executes the computer program, further comprises: generating a second rejection message when the credit report audit fails; sending a second rejection message to the user terminal; and when receiving a rechecking request corresponding to the second rejection message returned by the user terminal, continuing to generate a request message according to the lessee information.
In one embodiment, after auditing the credit report according to the anti-fraud rules implemented when the processor executes the computer program, further comprises: when the credit report passes the audit, generating a notification message; and sending the notification message to the user terminal.
In one embodiment, a computer readable storage medium is provided having a computer program stored thereon, which when executed by a processor, performs the steps of: receiving a lessee application sent by a user terminal, wherein the lessee application carries lessee information; acquiring a pre-examination and approval rule, examining and approving the lessee information according to the pre-examination and approval rule, and generating a request message according to the lessee information when the lessee information passes the examination and approval; the request message is sent to a server, and a credit investigation report corresponding to the request message sent by the server is received; acquiring anti-fraud rules, and auditing the credit report according to the anti-fraud rules; and when the credit report audit is passed, the lessee information is sent to the server.
In one embodiment, after the computer program is executed by the processor to send the request message to the server, the method further includes: when receiving a message which is sent by a server and can not acquire a credit report corresponding to the request message, generating an authorization request for acquiring qualification of the credit report, and sending the authorization request to a user terminal; receiving an authorization certificate corresponding to the authorization request returned by the user terminal; and sending an authorization certificate to the server, wherein the authorization certificate is used for indicating the server to verify the authorization certificate, and returning a credit report after the verification is successful.
In one embodiment, before the computer program is executed by the processor to generate the request message according to the tenant information, the method further includes: generating an information supplementing request and sending the information supplementing request to a user terminal; receiving credit association information returned by the user terminal according to the information supplementing request; a computer program, when executed by a processor, for generating a request message based on tenant information, comprising: a request message is generated based on the tenant information and the credit association information.
In one embodiment, the computer program when executed by the processor, further comprises, after sending the tenant information to the server when the credit report audits are passed: acquiring a lessee contract sent by a server and sending the contract to a user terminal; receiving subscription information corresponding to the lessee contract returned by the user terminal; and sending the subscription information to the server.
In one embodiment, after the approval of the tenant information according to the pre-approval rule, which is implemented when the computer program is executed by the processor, the method further includes: when the approval of the lessee information is not passed, generating a first refusal message; sending a first rejection message to the user terminal; and when receiving the renting information which is returned by the user terminal and is supplemented according to the first refusal message, continuing to approve the renting information according to the pre-approval rule.
In one embodiment, after auditing the credit report according to the anti-fraud rules, which is implemented when the computer program is executed by the processor, further comprises: generating a second rejection message when the credit report audit fails; sending a second rejection message to the user terminal; and when receiving a rechecking request corresponding to the second rejection message returned by the user terminal, continuing to generate a request message according to the lessee information.
In one embodiment, after auditing the credit report according to the anti-fraud rules, which is implemented when the computer program is executed by the processor, further comprises: when the credit report passes the audit, generating a notification message; and sending the notification message to the user terminal.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The foregoing examples illustrate only a few embodiments of the application, which are described in detail and are not to be construed as limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of protection of the present application is to be determined by the appended claims.
Claims (10)
1. A method of lease application auditing, the method comprising:
receiving a renting application sent by a user terminal, wherein the renting application carries renting information;
acquiring a pre-examination rule, examining and approving the lesson information according to the pre-examination rule, and generating a request message according to the lesson information when the lesson information is examined and approved;
the request message is sent to a server, and a credit investigation report corresponding to the request message sent by the server is received;
Acquiring anti-fraud rules, and auditing the credit report according to the anti-fraud rules;
when the credit report auditing is passed, the renting information is sent to the server;
after the request message is sent to the server, the method further comprises:
when receiving a message which is sent by the server and can not acquire a credit report corresponding to the request message, generating an authorization request for acquiring qualification of the credit report, and sending the authorization request to the user terminal;
receiving an authorization certificate corresponding to the authorization request returned by the user terminal;
the authorization certificate is sent to the server, and the authorization certificate is used for indicating the server to verify the authorization certificate and returning the credit reporting after verification is successful;
before generating the request message according to the tenant information, the method further comprises:
generating an information supplementing request and sending the information supplementing request to the user terminal;
receiving credit association information returned by the user terminal according to the information supplementing request;
the generating a request message according to the tenant information includes:
generating a request message according to the lessee information and the credit association information;
And when the credit report audit is passed, sending the renting information to the server, and then further comprising:
acquiring a lessee contract sent by a server, and sending the lessee contract to the user terminal;
receiving subscription information corresponding to the lessee contract returned by the user terminal;
and sending the subscription information to the server.
2. The method of claim 1, wherein after approving the tenant information according to the pre-approval rule, further comprising:
when the approval of the lessee information is not passed, generating a first refusal message;
sending the first rejection message to the user terminal;
and when receiving the renting information corrected according to the first refusal message returned by the user terminal, continuing to approve the renting information according to the pre-approval rule.
3. The method of claim 1, wherein after said auditing of said credit report according to said anti-fraud rule, further comprising:
generating a second rejection message when the credit report audit fails;
sending the second rejection message to the user terminal;
And when receiving a rechecking request corresponding to the second rejection message returned by the user terminal, continuing to generate a request message according to the lessee information.
4. The method of claim 1, wherein after said auditing of said credit report according to said anti-fraud rule, further comprising:
generating a notification message when the credit reporting audit is passed;
and sending the notification message to the user terminal.
5. A lease application auditing apparatus, the apparatus comprising:
the receiving module is used for receiving a renting application sent by the user terminal, wherein the renting application carries renting information;
the pre-examination and approval module is used for acquiring pre-examination and approval rules, examining and approving the lessee information according to the pre-examination and approval rules, and generating a request message according to the lessee information when the lessee information is examined and approved;
the report acquisition module is used for sending the request message to a server and receiving a credit investigation report corresponding to the request message sent by the server;
the anti-fraud auditing module is used for acquiring anti-fraud rules and auditing the credit reporting according to the anti-fraud rules;
The passing module is used for sending the renting information to the server when the credit report auditing passes;
the authorization request module is used for generating an authorization request for acquiring qualification of the credit report when receiving a message which is sent by the server and can not acquire the credit report corresponding to the request message, and sending the authorization request to the user terminal;
the authorization module is used for receiving an authorization certificate corresponding to the authorization request returned by the user terminal;
the verification module is used for sending the authorization certificate to the server, wherein the authorization certificate is used for indicating the server to verify the authorization certificate and returning the credit report after the verification is successful;
the information supplementing module is used for generating an information supplementing request and sending the information supplementing request to the user terminal;
the supplementary information acquisition module is used for receiving credit associated information returned by the user terminal according to the information supplementary request;
the pre-examination batch module is also used for generating a request message according to the lessee information and the credit association information;
the contract acquisition module is used for acquiring the renting contract sent by the server and sending the renting contract to the user terminal;
The signing module is used for receiving signing information corresponding to the lessee contract returned by the user terminal;
and the subscription record module is used for sending the subscription information to the server.
6. The apparatus of claim 5, wherein the apparatus further comprises:
the first refusing module is used for generating a first refusing message when the approval of the lessee information is not passed;
a first sending module, configured to send the first rejection message to the user terminal;
and the secondary pre-approval module is used for continuing to approve the renting information according to the pre-approval rule when receiving the renting information corrected according to the first rejection message returned by the user terminal.
7. The apparatus of claim 5, wherein the apparatus further comprises:
the second rejection module is used for generating a second rejection message when the credit report audit fails;
a second sending module, configured to send the second rejection message to the user terminal;
and the secondary credit module is used for continuing to generate the request message according to the lessee information when receiving the re-audit request corresponding to the second refusal message returned by the user terminal.
8. The apparatus of claim 5, wherein the apparatus further comprises:
the notification generation module is used for generating a notification message when the credit report audit is passed;
and the notification sending module is used for sending the notification message to the user terminal.
9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 4 when the computer program is executed.
10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 4.
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| CN111914740B (en) * | 2020-07-30 | 2023-07-25 | 乐昌市住宅建筑工程有限公司 | Multifunctional rural construction monitoring system |
| CN112258163A (en) * | 2020-11-13 | 2021-01-22 | 泰康保险集团股份有限公司 | Endowment management system and method, computer storage medium and electronic equipment |
| CN112559205A (en) * | 2020-12-08 | 2021-03-26 | 爱信诺征信有限公司 | Credit report generation method and system |
| CN113538100A (en) * | 2021-07-23 | 2021-10-22 | 建信金融科技有限责任公司 | Service processing method and device, electronic equipment and storage medium |
| CN113673946A (en) * | 2021-07-30 | 2021-11-19 | 一汽资本控股有限公司 | Commercial vehicle online service method, system, terminal and storage medium |
| CN114820124A (en) * | 2022-04-26 | 2022-07-29 | 平安国际融资租赁有限公司 | Method, device, equipment and medium for reducing vehicle rental overdue rate |
| CN115456589A (en) * | 2022-09-19 | 2022-12-09 | 国网河南省电力公司信息通信公司 | Contract auditing method and device based on deep learning |
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