CN109801169A - Financing lease application method, device, computer equipment and storage medium - Google Patents
Financing lease application method, device, computer equipment and storage medium Download PDFInfo
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Abstract
This application involves the machine learning in artificial intelligence, a kind of financing lease application method, device, computer equipment and storage medium are provided.This method comprises: receiving the log-in instruction that application terminal is sent, log-in instruction carries log-on message, obtains the first application information, verifies log-on message according to the first application information；When log-on message is verified, corresponding second application information is generated according to the first application information and is identified；Second application information is identified and returns to application terminal, obtain the second application information corresponding with the second application information mark that application terminal is submitted, the second application information is filtered according to default filtering rule, when the second application information is filtered through, the second application information is sent into audit terminal；The audit of audit terminal transmission is received by instruction, prompt is passed through by instructing that the first application information is associated with to preservation with the second application information and sends application to application terminal according to audit.Financing lease efficiency can be improved using this method.
Description
Technical field
This application involves Internet technical fields, set more particularly to a kind of financing lease application method, device, computer
Standby and storage medium.
Background technique
Financing lease refers to that lessor according to the request of tenant (user), concludes the supply of material with third party (supplier) and closes
Together, according to this contract, lessor provides funds to buy the equipment that tenant selectes.Meanwhile lessor and tenant conclude a lease
Contract by the leasing of equipment to tenant, and collects certain rent to tenant.Currently, lessor is accepting financing lease times
When business, usually pass through the marketing artificially visited user and carry out financing lease business by customer manager.Most of financing is rented
Multiple links such as business of renting all is customer manager by calling on a customer, deeply excavates, tracks can just facilitate Cooperation, often objective
Family is passively to wait.However, the market scale of financing lease now is increasing, supply falls short of demand by financing lease business manager, leads to
The inefficiency of financing lease business is not only reached in the marketing for crossing customer manager's progress financing lease business, but also wastes big
The manpower and material resources of amount and time, it can not meet the market demand.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide a kind of can be improved and reach financing lease business efficiency
Financing lease application method, device, computer equipment and storage medium.
A kind of financing lease application method, which comprises
The log-in instruction that application terminal is sent is received, the log-in instruction carries log-on message, obtains the first letter of application
Breath verifies the log-on message according to first application information；
When being passed through according to first application information verifying log-on message, generated according to first application information
Corresponding second application information mark；
Second application information mark is returned into the application terminal, obtain that the application terminal submits with described the
Two application informations identify corresponding second application information, second application information are filtered according to default filtering rule, when described
When second application information is filtered through, second application information is sent into the audit terminal；
It receives the audit that the audit terminal is sent and passes through instruction, applied by instruction by described first according to the audit
Information, which is associated with preservation with second application information and sends application to the application terminal, passes through prompt.
In one of the embodiments, in the log-in instruction for receiving application terminal transmission, the log-in instruction, which carries, is stepped on
Before record information, further includes:
Receive the financing lease business application instruction that application terminal is sent, financing lease business application instruction carries the
One application information；
First application information is verified according to preset rules, it, will be described when first application information is verified
First application information saves and sends first application information to the audit terminal；
It obtains the preliminary audit survey that the audit terminal is sent and passes through instruction, according to the preliminary audit survey by instructing to described
Apply for that terminal sends the prompt for logging in and submitting the second application information.
It is described in one of the embodiments, to verify first application information according to preset rules, when first Shen
Please Information Authentication when passing through, first application information is saved and sends first application information to the audit terminal,
Include:
First application information is searched in default application information database；
When the default application information database does not find first application information, according to first application
Information sends target information acquisition request to third-party server；
The target information that the third-party server returns is obtained, when the target information and first application information one
When cause, first application information is verified, and first application information is saved and to described in audit terminal transmission
First application information.
It is described in one of the embodiments, to verify first application information according to preset rules, when first Shen
Please Information Authentication when passing through, first application information is saved and sends first application information to the audit terminal,
Include:
Basic application voice asked questions are generated according to first application information；
The voice answering information obtained according to the basic application voice asked questions is obtained, is believed according to the voice answering
Breath obtains text information；
The target keyword in the text information is extracted using keyword extraction algorithm, when the target keyword and in advance
If keyword is consistent, first application information is verified, and first application information is saved and whole to the audit
End sends first application information.
In one of the embodiments, according to filtering rule filtering second application information is preset, when second Shen
Please information filtering when passing through, second application information is sent into the audit terminal, comprising:
Second application information is searched in the default application information database；
When the default application information database does not find second application information, calculated according to preset weights
The second application information validity, when the validity is greater than preset threshold, second application information is filtered through, will
Second application information sends the audit terminal.
The second application information validity is calculated according to preset weights in one of the embodiments, comprising:
The validity of each target in second application information is calculated, the corresponding default power of each target is obtained
It is true to calculate second application information according to the validity of each target and the corresponding preset weights of each target for value
Solidity.
In one of the embodiments, according to filtering rule filtering second application information is preset, when second Shen
Please information filtering when passing through, second application information is sent into the audit terminal, comprising:
Application information feature vector is obtained according to second application information, the application information feature vector is input to
It is identified in the application identification model trained, obtains output feature vector；
The second application information filter result is obtained according to the output feature vector, when the filter result passes through
When, second application information is sent into the audit terminal.
A kind of financing lease application device, which is characterized in that described device includes:
Login module, the log-in instruction sent for receiving application terminal, the log-in instruction carry log-on message, obtain
The first application information is taken, the log-on message is verified according to first application information；
Identifier generation module, for when verifying the log-on message according to first application information and passing through, according to institute
It states the first application information and generates corresponding second application information mark；
Second data obtaining module returns to the application terminal for identifying second application information, described in acquisition
Apply for the second application information corresponding with the second application information mark that terminal is submitted, institute is filtered according to default filtering rule
The second application information is stated, when second application information is filtered through, second application information is sent into the audit eventually
End；
Auditing module passes through instruction for receiving the audit that the audit terminal is sent, passes through instruction according to the audit
First application information is associated with preservation with second application information and passes through prompt to application terminal transmission application.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
Device performs the steps of when executing the computer program
The log-in instruction that application terminal is sent is received, the log-in instruction carries log-on message, obtains the first letter of application
Breath verifies the log-on message according to first application information；
When being passed through according to first application information verifying log-on message, generated according to first application information
Corresponding second application information mark；
Second application information mark is returned into the application terminal, obtain that the application terminal submits with described the
Two application informations identify corresponding second application information, second application information are filtered according to default filtering rule, when described
When second application information is filtered through, second application information is sent into the audit terminal；
It receives the audit that the audit terminal is sent and passes through instruction, applied by instruction by described first according to the audit
Information, which is associated with preservation with second application information and sends application to the application terminal, passes through prompt.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
It is performed the steps of when row
The log-in instruction that application terminal is sent is received, the log-in instruction carries log-on message, obtains the first letter of application
Breath verifies the log-on message according to first application information；
When being passed through according to first application information verifying log-on message, generated according to first application information
Corresponding second application information mark；
Second application information mark is returned into the application terminal, obtain that the application terminal submits with described the
Two application informations identify corresponding second application information, second application information are filtered according to default filtering rule, when described
When second application information is filtered through, second application information is sent into the audit terminal；
It receives the audit that the audit terminal is sent and passes through instruction, applied by instruction by described first according to the audit
Information, which is associated with preservation with second application information and sends application to the application terminal, passes through prompt.
Above-mentioned financing lease application method, device, computer equipment and storage medium receive the login that application terminal is sent
Instruction, the log-in instruction carry log-on message, obtain the first application information, according to first application information verifying
Log-on message；It is raw according to first application information when being passed through according to first application information verifying log-on message
It is identified at corresponding second application information；Second application information mark is returned into the application terminal, obtains the application
The second application information corresponding with the second application information mark that terminal is submitted filters described the according to default filtering rule
Second application information is sent the audit terminal when second application information is filtered through by two application informations；It connects
Audit that the audit terminal is sent is received by instruction, according to the audit by instruction by first application information and described
The association of second application information, which saves and sends application to the application terminal, passes through prompt.By being obtained according to the first application information
The second application information arrived, and the second application information is audited in audit terminal, improve financing lease efficiency.
Detailed description of the invention
Fig. 1 is the application scenario diagram of financing lease application method in one embodiment；
Fig. 2 is the flow diagram of financing lease application method in one embodiment；
Fig. 3 is the flow diagram that the first application information is audited in one embodiment；
Fig. 4 is the flow diagram that the first application information is verified in one embodiment；
Fig. 5 is the flow diagram that the first application information is verified in another embodiment；
Fig. 6 is the flow diagram that the second application information is filtered in one embodiment；
Fig. 7 is the flow diagram that the second application information is filtered in another embodiment；
Fig. 8 is the structural block diagram of financing lease application device in one embodiment；
Fig. 9 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application carries out further second explanation.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Financing lease application method provided by the present application, can be applied in application environment as shown in Figure 1.Wherein, Shen
Please terminal 102 communicated with server 104 by network, audit terminal 106 is communicated with server 104 by network.
The log-in instruction that application terminal 102 is sent is received, log-in instruction carries log-on message, obtains the first application information, according to the
One application information verifies log-on message；When being passed through according to the first application information verifying log-on message, according to the first application information
Generate corresponding second application information mark；Second application information is identified and returns to application terminal 102, obtains application terminal 102
The second application information corresponding with the second application information mark submitted filters the second application information according to default filtering rule,
When the second application information is filtered through, the second application information is sent into audit terminal 106；Receive what audit terminal 106 was sent
First application information be associated with the second application information by instruction preservation by instruction, according to audit and to applying for terminal by audit
106, which send application, passes through prompt.Wherein, terminal 102 can be, but not limited to be various personal computers, laptop, intelligence
Mobile phone, tablet computer and portable wearable device, server 104 can use independent server either multiple server groups
At server cluster realize.
In one embodiment, as shown in Fig. 2, providing a kind of financing lease application method, it is applied to Fig. 1 in this way
In server for be illustrated, comprising the following steps:
S202, receives the log-in instruction that application terminal is sent, and log-in instruction carries log-on message, obtains the first letter of application
Breath verifies log-on message according to the first application information.
Wherein, which is for logging on to the information in financing lease application platform, for example, log-on message can be with
It is cell-phone number and mobile phone identifying code, which can also be account and password.The financing
Lease application platform is the platform for carrying out financing lease application by internet.First application information is pre-stored in clothes
The essential information for the progress financing lease application being engaged in device may include that application number, financing lease product information, client believe substantially
Breath and Client Enterprise essential information etc..For example financing lease product information can be financing limit, client's essential information client's surname
Name, contact method etc., Client Enterprise essential information can be enterprise address and enterprise name etc..First application information is service
Device from the different channel reception such as small routine, service number, webpage to financing lease application information.
Specifically, server receives the log-in instruction that application terminal is sent, which carries log-on message, obtain
The first application information saved in server is got, whether verify the log-on message according to the first application information correct.
S204 is generated corresponding when being passed through according to the first application information verifying log-on message according to the first application information
Second application information mark.
Wherein, the second application information mark refers to the marks of details required for financing lease application, for example, can be with
It is the title of required details.Details required for financing lease application may include User Detail, enterprise
Industry details and bank information.Such as: User Detail can be enterprise practical control people's reference report.Enterprise believes in detail
Breath can be business license reserved copy and duplicate, enterprise's electricity charge list, working shop of enterprise and produce card and enterprise's scene photograph etc., and bank information can be
It makes out an invoice information, enterprise bank basic account information etc..
Specifically, it when first application information verifying log-on message passes through, i.e., is looked into the server according to log-on message
Corresponding first application information is looked for, when log-on message can be found, the first letter of application is generated according to first application information
Cease corresponding second application information mark.For example, log-on message is cell-phone number and mobile phone identifying code, serviced according to the cell-phone number
Corresponding cell-phone number is searched in the first application information that device saves, when consistent cell-phone number and mobile phone identifying code can be being found just
When true, server makes user by applying for that terminal logs on to the main interface of financing lease application platform first, which shows
There are the corresponding application mark of the first application information of lid, such as application number.When this application identifies when the user clicks, server is according to this
First application information generates the corresponding second application information title of the first application information.
S206, by the second application information identify return application terminal, obtain application terminal submit with the second application information
Corresponding second application information is identified, the second application information is filtered according to default filtering rule, when the filtering of the second application information is logical
It is out-of-date, the second application information is sent into audit terminal.
Wherein, default filtering rule is pre-set for filtering the rule of false application information, can pass through meter
Application information validity is calculated to be filtered, can also be filtered by machine learning algorithm.
Specifically, second application information mark is returned to application terminal by server, shows the by this application terminal
Two application informations mark, that is, show the mark for needing the detailed application information submitted.User can be by clicking second application
Message identification carries out the submission that the second application information identifies corresponding detailed application information.It can also be by clicking the second letter of application
Breath identifies corresponding submitting button and is submitted.Server gets the corresponding with the second application information mark of application terminal submission
Second application information, server according to the filtering rule that sets in the server in advance to the second application information of submission into
Row filtering when being filtered through the second application information, that is, illustrates that this application information is accurately, then second to apply for this
Information is sent to audit terminal.In one embodiment, before carrying out filtering the second application information according to default filtering rule,
First verify whether second application information is complete either to repeat to submit, it can be by the existing letter of application that is saved with database
Breath is matched to be verified.
S208, receives audit that audit terminal is sent by instruction, according to audit by instruction by the first application information and
The association of second application information, which saves and sends application to application terminal, passes through prompt.
Specifically, audit terminal receives the second application information and is shown, financing lease higher level service personnel pass through
Detailed examination is carried out to second application information, further judges it with the presence or absence of problem.When second application information is accurate
Without mistaking, audit terminal receives second application information audit and sends by instruction, and to server, and server receives audit
First application information is associated with preservation with the second application information simultaneously by instruction by instruction, according to audit by the audit that terminal is sent
Application, which is sent, to application terminal passes through prompt.
In the above-described embodiments, the log-in instruction sent by receiving application terminal, log-in instruction carry log-on message,
The first application information is obtained, log-on message is verified according to the first application information；When according to the first application information verifying log-on message
By when, corresponding second application information is generated according to the first application information and is identified；Second application information is identified and returns to application
Terminal obtains the second application information corresponding with the second application information mark that application terminal is submitted, according to default filtering rule
The second application information is filtered, when the second application information is filtered through, the second application information is sent into audit terminal；Receive audit
First application information is associated with preservation with the second application information simultaneously by instruction by instruction, according to audit by the audit that terminal is sent
Application is sent by prompt to application terminal, can be carried out financing lease application by financing lease platform, be improved to reach and melt
Provide the efficiency of lease.
In one embodiment, server can also generate electronics according to the first application information and the second application information and close
Together, financial terminal is sent by electronic contract, financial terminal is traded according to electronic contract.Server can be after the trade
The management of electronic contract, the management for invoice of trading are carried out, Transaction Information notice etc. is convenient for the user to use, meets user's
Demand.
In one embodiment, as shown in figure 3, before step S202, that is, the log-in instruction for applying for that terminal is sent is being received,
Before log-in instruction carries log-on message, further comprise the steps of:
S302, receives the financing lease business application instruction that application terminal is sent, and financing lease business application instruction carries
First application information.
In particular it is required that the client of financing lease can be by applying for the canals such as small routine, public platform, H5 webpage in terminal
Road enters the financing lease product page.The financing lease product page shows financing lease product information, and user can select
Suitable financing lease product is selected, user basic information is then filled out and carries out the application of financing lease business, server receives Shen
Please the financing lease business application instruction that sends of terminal, financing lease business application instruction carries the first application information, this
It include the contents such as financing lease product information, user basic information in one application information.
S304 verifies the first application information according to preset rules, when the first application information is verified, by the first application
Information preservation simultaneously sends the first application information to audit terminal.
Wherein, whether preset rules are pre-set, accurate for verifying the first application information.
Specifically, server is according to the first application information of rule verification pre-set, when the first application information is verified
By when, by the first application information save and to audit terminal send the first application information.In one embodiment, when the first Shen
Please Information Authentication when passing through, generate corresponding apply also according to first application information and identify, this application is identified and this application
Corresponding first application information association is identified to save.
S306 obtains the preliminary audit survey that audit terminal is sent and passes through instruction, whole to application by instruction according to preliminary audit survey
End sends the prompt for logging in and submitting the second application information.
Specifically, it when audit terminal receives first application information, shows first application information, is rented by financing
The business personnel that rents audits the first application information of display, when audit passes through, is submitted by audit terminal to server
By instruction, which obtains the preliminary audit survey that audit terminal is sent and passes through instruction for preliminary audit survey, is passed through according to preliminary audit survey
It instructs to send to application terminal and logs in the prompt for submitting the second application information, i.e., sent to application terminal and log in financing lease platform
Carry out the prompt of detailed application information submission.
In above-described embodiment, instructed by receiving the financing lease business application that application terminal is sent, financing lease business
Application instruction carries the first application information, the first application information is verified according to preset rules, when the first application information is verified
When, the first application information is saved and sends the first application information to audit terminal, obtains the preliminary audit survey that audit terminal is sent
By instruction, is sent by instruction to application terminal according to preliminary audit survey and log in the prompt for submitting the second application information, can made
User very easily carries out the application of financing lease business, meets the needs of users, and improves the experience of user.
In one embodiment, as shown in figure 4, step S304, i.e., the first application information is verified according to preset rules, when the
When one application information is verified, the first application information is saved and sends the first application information to audit terminal, comprising steps of
S402 searches the first application information in default application information database.
Wherein, user's financing lease application information that default historical time is stored in application information database is preset.Than
Such as, it can store history one month financing lease application information.
Specifically, the first application information is searched in default application information data, judges whether the user is to repeat to apply.
For example, can be searched according to the cell-phone number in the first application information, when finding consistent cell-phone number, judgement removes mobile phone
Whether the other content in the first application information of extra is consistent with the application information of preservation, and when application information is consistent, explanation is
It repeats to submit application, returns to the prompt that application has been filed on to application terminal.
S404, when default application information database does not find the first application information, according to the first application information to
Third-party server sends target information acquisition request.
Wherein, target information refers to the information corresponding with the first application information saved in third-party server.For example, the
User basic information in one application information can obtain the user basic information from national personal user information database.
Enterprise's essential information in first application information can be searched from national enterprise's industry and commerce essential information registered database.
Specifically, when not finding consistent first application information in default application information database, i.e., without weight
It is multiple to submit application, at this point, sending target information acquisition request to third-party server according to the first application information.
S406 obtains the target information that third-party server returns, when target information is consistent with the first application information, the
One application information is verified, and the first application information is saved and sends the first application information to audit terminal.
Specifically, the target information for getting third-party server return, when target information is consistent with the first application information
When, the first application information is verified, and the first application information is saved and sends the first application information to audit terminal.
In the above-described embodiments, target information is got by third-party server, by whether verifying the target information
Consistent with the first application information, when target information is consistent with the first application information, the first application information is verified, by first
Application information saves and sends the first application information to audit terminal, can guarantee the authenticity of the first application information.
In one embodiment, as shown in figure 5, step S304, i.e., the first application information is verified according to preset rules, when the
When one application information is verified, the first application information is saved and sends the first application information to audit terminal, comprising steps of
S502 generates basic application voice asked questions according to the first application information.
Specifically, server generates basic application voice asked questions according to the first application information, can be mentioned by language
Template ask questions to generate.For example, financing limit is five Wan Yuan in first application information, then the basic application voice generated mentions
Ask questions can be " your financing limit is five Wan Yuan? ".Then logical according to the basic application voice asked questions of generation
It crosses voice system to converse with user, is putd question to according to pre-set enquirement sequence, then acquire the answer language of user
Sound.
S504 obtains the voice answering information obtained according to basic application voice asked questions, according to voice answering information
Obtain text information.
Specifically, server gets the voice answering information obtained according to basic application voice asked questions, then root
Obtained voice answering information is converted into text information according to speech recognition algorithm.
S506 extracts the target keyword in text information using keyword extraction algorithm, when target keyword and presets
When keyword is consistent, the first application information is verified, and the first application information is saved and sends the first application to audit terminal
Information.
Wherein, predetermined keyword be relevant keyword is pre-set according to the first application information, such as: by the first Shen
Keyword please be set to off by address name in information.
Specifically, the target keyword in text information is extracted using keyword extraction algorithm, wherein crux word, which extracts, calculates
TextRank algorithm, LDA algorithm etc. can be used in method, when target keyword is consistent with predetermined keyword, then the first letter of application
Breath is verified, and the first application information is saved and sends the first application information to audit terminal.
In the above-described embodiments, by generating basic application voice asked questions according to the first application information, basis is obtained
The voice answering information that basic application voice asked questions obtain, obtains text information according to voice answering information, uses key
Word extraction algorithm extracts the target keyword in text information, when target keyword is consistent with predetermined keyword, the first application
Information Authentication passes through, and the first application information is saved and sends the first application information to audit terminal, passes through the mesh that will be extracted
Mark keyword is matched with predetermined keyword, when target keyword is consistent with predetermined keyword, illustrates first letter of application
There is no problem for breath, then saves the first application information and sends the first application information to audit terminal, realizes to the first Shen
Please information verifying, guarantee the first application information authenticity.
In one embodiment, as shown in fig. 6, step S206, i.e., filter the second application information according to default filtering rule,
When the second application information is filtered through, the second application information is sent into audit terminal, comprising:
S602 searches the second application information in default application information database.
Specifically, the second application information is searched in default application information database, for example, can be according to the second letter of application
Breath mark is searched, and judges whether second application information repeats to submit, when can look into default application information database
When finding the second application information, illustrate that second application information is to repeat to submit, then server sends second to application terminal
Application information repeats to submit instruction.
S604 calculates the according to preset weights when default application information database does not find the second application information
Two application information validities, when validity is greater than preset threshold, the second application information is filtered through, and the second application information is sent out
Send audit terminal.
Specifically, when not finding the second application information in default application information database, according to preset weights meter
The second application information validity is calculated, when the second application information validity is greater than preset threshold, the filtering of the second application information is logical
It crosses, the second application information is sent into audit terminal.
In the above-described embodiments, the second application information is searched in default application information database, when in default letter of application
When breath database does not find the second application information, the second application information validity is calculated according to preset weights, when validity is big
When preset threshold, the second application information is filtered through, and the second application information is sent audit terminal, by calculating the second Shen
Please the validity of information be compared with preset threshold, realize the filtering of the second application information, can guarantee the second letter of application
The authenticity of breath.
In one embodiment, step S604 calculates the second application information validity, including step according to preset weights
It is rapid:
The validity for calculating each target in the second application information obtains the corresponding preset weights of each target, according to each
The validity of a target and the corresponding preset weights of each target calculate the second application information validity.
Specifically, the validity of each target in the second application information is calculated, for example, calculating practical in the second application information
Control the validity of people's reference report, the validity of business electrical.Each target has corresponding preset weights, for example, practical
The weight for controlling the validity of people's reference report is 0.2, and the validity of business electrical is 0.2 etc..Server gets each
The corresponding preset weights of target calculate the second letter of application according to the validity of each target and the corresponding preset weights of each target
Cease validity.The second application information is finally obtained by calculating the validity of each target in two application informations in this embodiment
Validity, can more accurately calculate the validity of the second application information.
In one embodiment, as shown in fig. 7, step S206, i.e., filter the second application information according to default filtering rule,
When the second application information is filtered through, the second application information is sent into audit terminal, comprising steps of
S702 obtains application information feature vector according to the second application information, application information feature vector is input to
It is identified in trained application identification model, obtains output feature vector.
Wherein, application identification model is to be calculated according to the second application information of history and corresponding auditing result using machine learning
What method was trained.By getting the application information and corresponding filter result of history enterprise, then looked forward to according to history
The application information of industry extracts application essential characteristic, sets corresponding output feature according to filter result.Then according to application
Essential characteristic and the application information of history enterprise obtain application essential characteristic vector, and the application information according to history enterprise is corresponding
Filter result obtains output feature vector, using application essential characteristic vector as the input of machine learning algorithm, will export feature
Vector is trained as the label of machine learning algorithm, when loss function value reaches preset threshold or frequency of training reaches most
When big the number of iterations, training is completed.Wherein, machine learning algorithm can be BP neural network, linear regression algorithm etc..
Specifically, server obtains application information feature vector according to the second application information, can be according to the second letter of application
Cease each target and obtain corresponding feature vector, then by the corresponding combination of eigenvectors of each target at application information feature to
Amount.For example, actual controller's reference is reported to obtain actual controller's reference vector, it is special to obtain enterprise's electricity charge according to enterprise's electricity charge list
Levy vector.Then, obtained application information feature vector is input in the application identification model trained and is identified, obtained
Export feature vector.
S704 obtains the second application information filter result according to output feature vector, when filter result passes through, by second
Application information sends audit terminal.
Wherein, filter result is set when identification model is applied in training in advance and exports the corresponding pass between feature vector
System, it can will be filtered through the corresponding output feature vector of setting is [1], filtering by the corresponding output feature of setting to
Amount is [0].
Specifically, the second Shen is obtained according to the corresponding relationship between the output feature vector pre-set and filter result
Please information filtering as a result, when filter result be by when, by the second application information send audit terminal.
In the above-described embodiments, by obtaining application information feature vector according to the second application information, by application information spy
Sign vector, which is input in the application identification model trained, to be identified, output feature vector is obtained, according to output feature vector
The second application information filter result is obtained, when filter result passes through, the second application information is sent into audit terminal, is realized pair
The filtering of second application information ensure that the authenticity of the second application information.
It should be understood that although each step in the flow chart of Fig. 2-7 is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, these steps can execute in other order.Moreover, at least one in Fig. 2-7
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, the execution sequence in these sub-steps or stage is also not necessarily successively
It carries out, but can be at least part of the sub-step or stage of other steps or other steps in turn or alternately
It executes.
In one embodiment, as shown in figure 8, providing a kind of financing lease application device 800, comprising: login module
802, identifier generation module 804, the second data obtaining module 806 and auditing module 808, in which:
Login module 802, the log-in instruction sent for receiving application terminal, log-in instruction carry log-on message, obtain
The first application information is taken, log-on message is verified according to the first application information；
Identifier generation module 804, for applying according to first when being passed through according to the first application information verifying log-on message
Information generates corresponding second application information mark；
Second data obtaining module 806 returns to application terminal for identifying the second application information, obtains application terminal and mentions
The second application information corresponding with the second application information mark handed over filters the second application information according to default filtering rule, when
When second application information is filtered through, the second application information is sent into audit terminal；
Auditing module 808, the audit for receiving audit terminal transmission pass through instruction for first according to audit by instruction
Application information, which is associated with preservation with the second application information and sends application to application terminal, passes through prompt.
In the above-described embodiments, log-on message is verified by login module 802, generates the by identifier generation module 804
The corresponding second application information mark of one application information, then gets the second letter of application in the second data obtaining module 806
Breath filters the second application information according to default filtering rule, and when the second application information is filtered through, the second application information is sent out
Audit terminal is sent, finally passes through instruction in the audit that auditing module 808 receives audit terminal transmission, instruction is passed through according to audit
First application information is associated with preservation with the second application information and passes through prompt to application terminal transmission application.It realizes by melting
Money lease platform carries out the application audit of financing lease, can be improved the efficiency for reaching investment lease.
In one embodiment, financing lease application device 800, further includes:
Apply for command reception module, for receiving the financing lease business application instruction of terminal transmission, financing lease business
Application instruction carries the first application information.
Application information authentication module, for verifying the first application information according to preset rules, when the first application information is verified
By when, by the first application information save and to audit terminal send the first application information.
Application information auditing module, the preliminary audit survey for obtaining audit terminal transmission passes through instruction, according to preliminary audit survey
The prompt for submitting the second application information is logged in by instructing to send to application terminal.
In one embodiment, application information authentication module, comprising:
First searching module, for searching the first application information in default application information database；
Request sending module, for when default application information database does not find the first application information, according to
One application information sends target information acquisition request to third-party server；
Target information obtains module, for obtaining the target information of third-party server return, when target information and first
When application information is consistent, the first application information is verified, and the first application information is saved and sends the first Shen to audit terminal
It please information.
In one embodiment, application information authentication module, comprising:
Problem generation module, for generating basic application voice asked questions according to the first application information；
Text obtains module, for obtaining the voice answering information obtained according to basic application voice asked questions, according to
Voice answering information obtains text information；
Keyword authentication module works as mesh for using keyword extraction algorithm to extract the target keyword in text information
When mark keyword is consistent with predetermined keyword, the first application information is verified, and the first application information is saved and whole to audit
End sends the first application information.
In one embodiment, the second data obtaining module 806, comprising:
Second searching module, for searching the second application information in default application information database；
Validity computing module, for when default application information database does not find the second application information, according to
Preset weights calculate the second application information validity, and when validity is greater than preset threshold, the second application information is filtered through, will
Second application information sends audit terminal.
In one embodiment, validity computing module, comprising:
Weight obtains module, and for calculating the validity of each target in the second application information, it is corresponding to obtain each target
Preset weights, it is true to calculate the second application information according to the validity of each target and the corresponding preset weights of each target
Degree.
In one embodiment, the second data obtaining module 806, comprising:
Model identification module, for obtaining application information feature vector according to the second application information, by application information feature
Vector is input in the application identification model trained and is identified, obtains output feature vector；
Filter result obtains module, for obtaining the second application information filter result according to output feature vector, works as filtering
When as a result passing through, the second application information is sent into audit terminal.
Specific about financing lease application device limits the limit that may refer to above for financing lease application method
Fixed, details are not described herein.Modules in above-mentioned financing lease application device can fully or partially through software, hardware and its
Combination is to realize.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with
It is stored in the memory in computer equipment in a software form, in order to which processor calls the above modules of execution corresponding
Operation.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 9.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing the first application information and the second application information data.The network interface of the computer equipment is used
It is communicated in passing through network connection with external terminal.To realize a kind of financing lease Shen when the computer program is executed by processor
It please method.
It will be understood by those skilled in the art that structure shown in Fig. 9, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, which performs the steps of when executing computer program receives the log-in instruction that application terminal is sent, and steps on
Record instruction carries log-on message, obtains the first application information, verifies log-on message according to the first application information；When according to first
When application information verifying log-on message passes through, corresponding second application information is generated according to the first application information and is identified；By second
Application information mark returns to application terminal, obtains the second letter of application corresponding with the second application information mark that application terminal is submitted
Breath filters the second application information according to default filtering rule, and when the second application information is filtered through, the second application information is sent out
Send audit terminal；Audit that audit terminal is sent is received by instruction, according to audit by instruction by the first application information and the
The association of two application informations, which saves and sends application to application terminal, passes through prompt.
In one embodiment, it is also performed the steps of when processor executes computer program and receives melting for terminal transmission
Charter business application instruction is provided, financing lease business application instruction carries the first application information.According to preset rules verifying first
First application information is saved when the first application information is verified and sends the first application to audit terminal by application information
Information.It obtains the preliminary audit survey that audit terminal is sent and passes through instruction, sent and stepped on to application terminal by instruction according to preliminary audit survey
The prompt of the second application information is submitted in record.
In one embodiment, it also performs the steps of when processor executes computer program in default application information number
According to searching the first application information in library；When default application information database does not find the first application information, according to first
Application information sends target information acquisition request to third-party server；The target information that third-party server returns is obtained, when
When target information is consistent with the first application information, the first application information is verified, and the first application information is saved and to audit
Terminal sends the first application information.
In one embodiment, it also performs the steps of when processor executes computer program according to the first application information
Generate basic application voice asked questions；The voice answering information obtained according to basic application voice asked questions is obtained, according to
Voice answering information obtains text information；The target keyword in text information is extracted using keyword extraction algorithm, works as target
When keyword is consistent with predetermined keyword, the first application information is verified, and the first application information is saved and to audit terminal
Send the first application information.
In one embodiment, it also performs the steps of when processor executes computer program in default application information number
According to searching the second application information in library；When default application information database does not find the second application information, according to default
Weight computing the second application information validity, when validity is greater than preset threshold, the second application information is filtered through, by second
Application information sends audit terminal.
In one embodiment, it is also performed the steps of when processor executes computer program and calculates the second application information
In each target validity, the corresponding preset weights of each target are obtained, according to the validity of each target and each target
Corresponding preset weights calculate the second application information validity.
In one embodiment, it also performs the steps of when processor executes computer program according to the second application information
Application information feature vector is obtained, application information feature vector is input in the application identification model trained and is identified,
Obtain output feature vector；The second application information filter result is obtained according to output feature vector, it, will when filter result passes through
Second application information sends audit terminal.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor receives the log-in instruction that application terminal is sent, and log-in instruction, which carries, steps on
Information is recorded, the first application information is obtained, log-on message is verified according to the first application information；It is stepped on when according to the verifying of the first application information
When record information passes through, corresponding second application information is generated according to the first application information and is identified；Second application information mark is returned
Application terminal is returned, the second application information corresponding with the second application information mark that application terminal is submitted is obtained, according to presetting
The second application information of rule-based filtering is filtered, when the second application information is filtered through, the second application information is sent into audit terminal；It connects
It receives the audit that audit terminal is sent and passes through instruction, be associated with the first application information with the second application information by instruction according to audit
It saves and sends application to application terminal and pass through prompt.
In one embodiment, it is also performed the steps of when computer program is executed by processor and receives what terminal was sent
Financing lease business application instruction, financing lease business application instruction carry the first application information.According to preset rules verifying the
First application information is saved when the first application information is verified and sends the first Shen to audit terminal by one application information
It please information.It obtains the preliminary audit survey that audit terminal is sent and passes through instruction, instruction is passed through to application terminal transmission according to preliminary audit survey
Log in the prompt for submitting the second application information.
In one embodiment, it is also performed the steps of when computer program is executed by processor in default application information
The first application information is searched in database；When default application information database does not find the first application information, according to
One application information sends target information acquisition request to third-party server；The target information that third-party server returns is obtained,
When target information is consistent with the first application information, the first application information is verified, by the first application information save and to examine
Core terminal sends the first application information.
In one embodiment, it also performs the steps of when computer program is executed by processor according to the first letter of application
Breath generates basic application voice asked questions；Obtain the voice answering information obtained according to basic application voice asked questions, root
Text information is obtained according to voice answering information；The target keyword in text information is extracted using keyword extraction algorithm, works as mesh
When mark keyword is consistent with predetermined keyword, the first application information is verified, and the first application information is saved and whole to audit
End sends the first application information.
In one embodiment, it is also performed the steps of when computer program is executed by processor in default application information
The second application information is searched in database；When default application information database does not find the second application information, according to pre-
If weight computing the second application information validity, when validity is greater than preset threshold, the second application information is filtered through, by the
Two application informations send audit terminal.
In one embodiment, it is also performed the steps of when computer program is executed by processor and calculates the second letter of application
The validity of each target in breath obtains the corresponding preset weights of each target, according to the validity of each target and each mesh
It marks corresponding preset weights and calculates the second application information validity.
In one embodiment, it also performs the steps of when computer program is executed by processor according to the second letter of application
Breath obtains application information feature vector, and application information feature vector is input in the application identification model trained and is known
Not, output feature vector is obtained；The second application information filter result is obtained according to output feature vector, when filter result passes through
When, the second application information is sent into audit terminal.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, description are more specific and second, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of financing lease application method, which comprises
The log-in instruction that application terminal is sent is received, the log-in instruction carries log-on message, obtains the first application information, root
The log-on message is verified according to first application information；
When being passed through according to first application information verifying log-on message, is generated and corresponded to according to first application information
The second application information mark；
Second application information mark is returned into the application terminal, it is submitting with second Shen to obtain the application terminal
Please corresponding second application information of message identification, second application information is filtered according to default filtering rule, when described second
When application information is filtered through, second application information is sent into the audit terminal；
It receives the audit that the audit terminal is sent and passes through instruction, instruction is passed through for first application information according to the audit
It is associated with preservation with second application information and sends application to the application terminal and passes through prompt.
2. the method according to claim 1, wherein receive application terminal send log-in instruction, it is described to step on
Record instruction carries before log-on message, further includes:
The financing lease business application instruction that application terminal is sent is received, the financing lease business application instruction carries the first Shen
It please information；
First application information is verified according to preset rules, when first application information is verified, by described first
Application information saves and sends first application information to the audit terminal；
It obtains the preliminary audit survey that the audit terminal is sent and passes through instruction, according to the preliminary audit survey by instructing to the application
Terminal sends the prompt for logging in and submitting the second application information.
3. according to the method described in claim 2, it is characterized in that, described verify first letter of application according to preset rules
First application information is saved when first application information is verified and sends institute to the audit terminal by breath
State the first application information, comprising:
First application information is searched in default application information database；
When the default application information database does not find first application information, according to first application information
Target information acquisition request is sent to third-party server；
The target information that the third-party server returns is obtained, when the target information is consistent with first application information
When, first application information is verified, and first application information is saved and sends described the to the audit terminal
One application information.
4. according to the method described in claim 2, it is characterized in that, described verify first letter of application according to preset rules
First application information is saved when first application information is verified and sends institute to the audit terminal by breath
State the first application information, comprising:
Basic application voice asked questions are generated according to first application information；
The voice answering information obtained according to the basic application voice asked questions is obtained, is obtained according to the voice answering information
To text information；
The target keyword in the text information is extracted using keyword extraction algorithm, when the target keyword and default pass
When keyword is consistent, first application information is verified, and first application information is saved and is sent out to the audit terminal
Send first application information.
5. the method according to claim 1, wherein filtering second letter of application according to default filtering rule
Second application information is sent the audit terminal when second application information is filtered through by breath, comprising:
Second application information is searched in the default application information database；
When the default application information database does not find second application information, calculated according to preset weights described in
Second application information validity, when the validity is greater than preset threshold, second application information is filtered through, will be described
Second application information sends the audit terminal.
6. according to the method described in claim 5, it is characterized in that, true according to preset weights calculating second application information
Degree, comprising:
The validity of each target in second application information is calculated, the corresponding preset weights of each target, root are obtained
The second application information validity is calculated according to the validity of each target and the corresponding preset weights of each target.
7. the method according to claim 1, wherein filtering second letter of application according to default filtering rule
Second application information is sent the audit terminal when second application information is filtered through by breath, comprising:
Application information feature vector is obtained according to second application information, the application information feature vector is input to and has been instructed
It is identified in experienced application identification model, obtains output feature vector；
The second application information filter result is obtained according to the output feature vector, it, will when the filter result passes through
Second application information sends the audit terminal.
8. a kind of financing lease application device, which is characterized in that described device includes:
Login module, the log-in instruction sent for receiving application terminal, the log-in instruction carry log-on message, obtain the
One application information verifies the log-on message according to first application information；
Identifier generation module, for when verifying the log-on message according to first application information and passing through, according to described the
One application information generates corresponding second application information mark；
Second data obtaining module obtains the application for second application information mark to be returned to the application terminal
The second application information corresponding with the second application information mark that terminal is submitted filters described the according to default filtering rule
Second application information is sent the audit terminal when second application information is filtered through by two application informations；
Auditing module passes through instruction for receiving the audit that the audit terminal is sent, passes through instruction for institute according to the audit
It states the first application information and is associated with preservation with second application information and sends application to the application terminal and pass through prompt.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
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| CN201811544293.4A CN109801169B (en) | 2018-12-17 | 2018-12-17 | Financing lease application method, financing lease application device, computer equipment and storage medium |
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| CN201811544293.4A CN109801169B (en) | 2018-12-17 | 2018-12-17 | Financing lease application method, financing lease application device, computer equipment and storage medium |
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| CN111523849A (en) * | 2019-12-31 | 2020-08-11 | 金瓜子科技发展（北京）有限公司 | Resource transaction auditing method and device and server |
| CN111861757A (en) * | 2020-07-20 | 2020-10-30 | 深圳鼎盛电脑科技有限公司 | Financing matching method, system, equipment and storage medium |
| CN113570436A (en) * | 2021-07-29 | 2021-10-29 | 招商银行股份有限公司 | Rental business management method, system and computer readable storage medium |
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| CN111861757A (en) * | 2020-07-20 | 2020-10-30 | 深圳鼎盛电脑科技有限公司 | Financing matching method, system, equipment and storage medium |
| CN113570436A (en) * | 2021-07-29 | 2021-10-29 | 招商银行股份有限公司 | Rental business management method, system and computer readable storage medium |
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