CN109801169B

CN109801169B - Financing lease application method, financing lease application device, computer equipment and storage medium

Info

Publication number: CN109801169B
Application number: CN201811544293.4A
Authority: CN
Inventors: 林少杰; 方亚平; 王志明; 魏雯婷; 王经晶; 魏星
Original assignee: Ping An International Financial Leasing Co Ltd
Current assignee: Ping An International Financial Leasing Co Ltd
Priority date: 2018-12-17
Filing date: 2018-12-17
Publication date: 2024-06-21
Anticipated expiration: 2038-12-17
Also published as: CN109801169A

Abstract

The application relates to machine learning in artificial intelligence and provides a financing lease application method, a financing lease application device, computer equipment and a storage medium. The method comprises the following steps: receiving a login instruction sent by an application terminal, wherein the login instruction carries login information, acquiring first application information, and verifying the login information according to the first application information; when the login information passes verification, a corresponding second application information identifier is generated according to the first application information; the second application information identification is returned to the application terminal, second application information which is submitted by the application terminal and corresponds to the second application information identification is obtained, the second application information is filtered according to a preset filtering rule, and when the second application information is filtered, the second application information is sent to the auditing terminal; and receiving an audit passing instruction sent by the audit terminal, storing the first application information and the second application information in a correlated manner according to the audit passing instruction, and sending an application passing prompt to the application terminal. By adopting the method, the financing and renting efficiency can be improved.

Description

Financing lease application method, financing lease application device, computer equipment and storage medium

Technical Field

The present application relates to the field of internet technologies, and in particular, to a financing lease application method, apparatus, computer device, and storage medium.

Background

Financing lease refers to the fact that a lessor, upon request from a lessee (user), makes a supply contract with a third party (supplier), and, upon such contract, the lessor pays for the equipment selected by the lessee. Meanwhile, the lessor and the lessee make a lease contract, lease the equipment to the lessee and collect a certain lease to the lessee. At present, when a lessor accepts a financing lease task, the lessor usually carries out marketing of the financing lease service by a client manager through manually visiting a user. Most financing and renting businesses can promote business cooperation only by a client manager through a plurality of links such as visiting the client, deep mining, tracking and the like, and the client is often passively waiting. However, the market scale of financing leases is larger and larger, and the financing leasing service manager is in supply and short supply, so that the efficiency of financing leasing service is low, a great amount of manpower, material resources and time are wasted, and the market demand is not met.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a financing lease application method, apparatus, computer device, and storage medium that can improve the efficiency of achieving a financing lease service.

A financing lease application method, the method comprising:

Receiving a login instruction sent by an application terminal, wherein the login instruction carries login information, acquiring first application information, and verifying the login information according to the first application information;

When the login information is verified to pass according to the first application information, a corresponding second application information identifier is generated according to the first application information;

Returning the second application information identifier to the application terminal, acquiring second application information which is submitted by the application terminal and corresponds to the second application information identifier, filtering the second application information according to a preset filtering rule, and transmitting the second application information to the auditing terminal when the second application information is filtered;

And receiving an audit passing instruction sent by the audit terminal, storing the first application information and the second application information in a correlated manner according to the audit passing instruction, and sending an application passing prompt to the application terminal.

In one embodiment, before receiving a login instruction sent by the application terminal, the login instruction carries login information, the method further includes:

receiving a financing lease service application instruction sent by an application terminal, wherein the financing lease service application instruction carries first application information;

Verifying the first application information according to a preset rule, and when the first application information passes the verification, storing the first application information and sending the first application information to the auditing terminal;

and acquiring a preliminary audit passing instruction sent by the audit terminal, and sending a prompt for logging in and submitting second application information to the application terminal according to the preliminary audit passing instruction.

In one embodiment, the verifying the first application information according to a preset rule, when the verification of the first application information passes, storing the first application information and sending the first application information to the auditing terminal includes:

Searching the first application information in a preset application information database;

when the first application information is not found in the preset application information database, a target information acquisition request is sent to a third party server according to the first application information;

And acquiring target information returned by the third party server, and when the target information is consistent with the first application information, the first application information passes verification, and storing the first application information and sending the first application information to the auditing terminal.

generating a basic application voice question according to the first application information;

Acquiring voice response information obtained according to the basic application voice question, and obtaining text information according to the voice response information;

And extracting target keywords in the text information by using a keyword extraction algorithm, and when the target keywords are consistent with preset keywords, verifying the first application information, storing the first application information and sending the first application information to the auditing terminal.

In one embodiment, the filtering the second application information according to a preset filtering rule, when the second application information is filtered, sending the second application information to the audit terminal includes:

Searching the second application information in the preset application information database;

When the second application information is not found in the preset application information database, calculating the authenticity of the second application information according to a preset weight, and when the authenticity is larger than a preset threshold, the second application information is filtered and passed, and the second application information is sent to the auditing terminal.

In one embodiment, calculating the second application information fidelity according to the preset weight includes:

And calculating the authenticity of each target in the second application information, acquiring a preset weight corresponding to each target, and calculating the authenticity of the second application information according to the authenticity of each target and the preset weight corresponding to each target.

Obtaining an application information feature vector according to the second application information, and inputting the application information feature vector into a trained application recognition model for recognition to obtain an output feature vector;

And obtaining a second application information filtering result according to the output feature vector, and transmitting the second application information to the auditing terminal when the filtering result passes.

A financing lease application apparatus, characterized in that the apparatus comprises:

The login module is used for receiving a login instruction sent by the application terminal, wherein the login instruction carries login information, acquiring first application information and verifying the login information according to the first application information;

The identifier generation module is used for generating a corresponding second application information identifier according to the first application information when the login information is verified to pass according to the first application information;

The second information acquisition module is used for returning the second application information identifier to the application terminal, acquiring second application information which is submitted by the application terminal and corresponds to the second application information identifier, filtering the second application information according to a preset filtering rule, and transmitting the second application information to the auditing terminal when the second application information is filtered;

And the auditing module is used for receiving an auditing passing instruction sent by the auditing terminal, storing the first application information and the second application information in a correlated manner according to the auditing passing instruction, and sending an application passing prompt to the application terminal.

A computer device comprising a memory storing a computer program and a processor which when executing the computer program performs the steps of:

A computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:

The financing lease application method, the financing lease application device, the computer equipment and the storage medium receive a login instruction sent by an application terminal, wherein the login instruction carries login information, first application information is acquired, and the login information is verified according to the first application information; when the login information is verified to pass according to the first application information, a corresponding second application information identifier is generated according to the first application information; returning the second application information identifier to the application terminal, acquiring second application information which is submitted by the application terminal and corresponds to the second application information identifier, filtering the second application information according to a preset filtering rule, and transmitting the second application information to the auditing terminal when the second application information is filtered; and receiving an audit passing instruction sent by the audit terminal, storing the first application information and the second application information in a correlated manner according to the audit passing instruction, and sending an application passing prompt to the application terminal. And the second application information is obtained according to the first application information and is audited at the auditing terminal, so that financing and renting efficiency is improved.

Drawings

FIG. 1 is an application scenario diagram of a financing lease application method in one embodiment;

FIG. 2 is a flow chart of a financing lease application method in one embodiment;

FIG. 3 is a flow chart of auditing first application information in one embodiment;

FIG. 4 is a flow chart of verifying first application information in one embodiment;

FIG. 5 is a flowchart illustrating a process of verifying first application information according to another embodiment;

FIG. 6 is a flowchart illustrating filtering second application information according to an embodiment;

FIG. 7 is a flowchart illustrating a second embodiment of filtering application information;

FIG. 8 is a block diagram of a financing lease application apparatus in one embodiment;

Fig. 9 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in the following second description with reference to the accompanying drawings and examples. 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 financing lease application method provided by the application can be applied to an application environment shown in FIG. 1. Wherein, the application terminal 102 communicates with the server 104 through a network, and the audit terminal 106 communicates with the server 104 through a network. Receiving a login instruction sent by an application terminal 102, wherein the login instruction carries login information, acquiring first application information, and verifying the login information according to the first application information; when the login information is verified to pass according to the first application information, a corresponding second application information identifier is generated according to the first application information; the second application information identification is returned to the application terminal 102, second application information which is submitted by the application terminal 102 and corresponds to the second application information identification is obtained, the second application information is filtered according to a preset filtering rule, and when the second application information is filtered, the second application information is sent to the auditing terminal 106; and receiving an audit passing instruction sent by the audit terminal 106, storing the first application information and the second application information in a correlated manner according to the audit passing instruction, and sending an application passing prompt to the application terminal 106. The terminal 102 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 by a stand-alone server or a server cluster composed of a plurality of servers.

In one embodiment, as shown in fig. 2, a financing lease application method is provided, and the method is applied to the server in fig. 1 for illustration, and includes the following steps:

s202, receiving a login instruction sent by an application terminal, wherein the login instruction carries login information, acquiring first application information, and verifying the login information according to the first application information.

The login information is information for logging in the financing and renting application platform, for example, the login information can be a mobile phone number and a mobile phone verification code, and the login information of the financing and renting application platform can also be an account number and a password. The financing and renting application platform is used for carrying out financing and renting application through the Internet. The first application information is pre-stored in the server to perform basic information of financing and renting application, and may include an application number, financing and renting product information, customer basic information, customer enterprise basic information and the like. For example, the financing lease product information may be financing amount, customer name, contact information, etc., and the customer business basic information may be business address, business name, etc. The first application information is financing lease application information received by a server from different channels such as a small program, a service number, a webpage and the like.

Specifically, the server receives a login instruction sent by the application terminal, the login instruction carries login information, first application information stored in the server is obtained, and whether the login information is correct or not is verified according to the first application information.

S204, when the login information is verified to pass according to the first application information, a corresponding second application information identifier is generated according to the first application information.

The second application information identifier refers to an identifier of detailed information required for the financing lease application, and may be, for example, a name of the required detailed information. The detailed information required for the financing lease application may include user detailed information, enterprise detailed information, and bank information. For example: the user details may be a corporate actual control credit report. The enterprise detailed information can be a business license positive copy, an enterprise electric bill, an enterprise factory property certificate, an enterprise site photo and the like, and the bank information can be billing information, enterprise bank basic account information and the like.

Specifically, when the first application information verifies that the login information passes, that is, the corresponding first application information is searched in the server according to the login information, and when the login information can be searched, a second application information identifier corresponding to the first application information is generated according to the first application information. For example, the login information is a mobile phone number and a mobile phone verification code, the corresponding mobile phone number is searched in the first application information stored in the server according to the mobile phone number, when the consistent mobile phone number can be searched and the mobile phone verification code is correct, the server enables a user to log in a main interface of the financing lease application platform through the application terminal, and the main interface displays an application identifier corresponding to the first application information, such as the application number. When the user clicks the application identifier, the server generates a second application information name corresponding to the first application information according to the first application information.

S206, returning the second application information identification to the application terminal, acquiring second application information which is submitted by the application terminal and corresponds to the second application information identification, filtering the second application information according to a preset filtering rule, and sending the second application information to the auditing terminal when the second application information is filtered.

The preset filtering rules are preset rules for filtering false application information, and filtering can be performed by calculating the authenticity of the application information or by a machine learning algorithm.

Specifically, the server returns the second application information identifier to the application terminal, and the second application information identifier is displayed through the application terminal, namely, the identifier of the detailed application information to be submitted is displayed. And the user can submit detailed application information corresponding to the second application information identifier by clicking the second application information identifier. And the user can also submit by clicking the corresponding submitting button of the second application information identification. The server acquires second application information which is submitted by the application terminal and corresponds to the second application information identification, the server filters the submitted second application information according to a preset filtering rule in the server, and when the second application information is filtered, the server indicates that the application information is accurate, and then the second application information is sent to the auditing terminal. In one embodiment, before the second application information is filtered according to the preset filtering rule, whether the second application information is complete or submitted repeatedly is verified, and verification can be performed by matching with the existing application information stored in the database.

S208, receiving an audit passing instruction sent by the audit terminal, storing the first application information and the second application information in a correlated manner according to the audit passing instruction, and sending an application passing prompt to the application terminal.

Specifically, the auditing terminal receives and displays the second application information, and financing lease advanced business personnel further judge whether the second application information has problems or not through detailed auditing of the second application information. When the second application information is accurate and free, the auditing terminal receives the second application information auditing passing instruction and sends the second application information auditing passing instruction to the server, and the server receives the auditing passing instruction sent by the auditing terminal, stores the first application information and the second application information in a correlated mode according to the auditing passing instruction and sends an application passing prompt to the application terminal.

In the above embodiment, by receiving a login instruction sent by an application terminal, the login instruction carries login information, and the login instruction acquires first application information and verifies the login information according to the first application information; when the login information is verified to pass according to the first application information, a corresponding second application information identifier is generated according to the first application information; the second application information identification is returned to the application terminal, second application information which is submitted by the application terminal and corresponds to the second application information identification is obtained, the second application information is filtered according to a preset filtering rule, and when the second application information is filtered, the second application information is sent to the auditing terminal; and receiving an audit passing instruction sent by the audit terminal, storing the first application information and the second application information in a correlated manner according to the audit passing instruction, and sending an application passing prompt to the application terminal, so that the financing lease application can be carried out through the financing lease platform, and the efficiency of financing lease achievement is improved.

In one embodiment, the server may further generate an electronic contract according to the first application information and the second application information, and send the electronic contract to the financial terminal, where the financial terminal performs a transaction according to the electronic contract. The server can manage the electronic contract after the transaction, manage the transaction invoice, inform the transaction information and the like, is convenient for users to use, and meets the demands of the users.

In one embodiment, as shown in fig. 3, before step S202, that is, before receiving the login instruction sent by the application terminal, the login instruction carries login information, the method further includes the steps of:

S302, receiving a financing lease service application instruction sent by an application terminal, wherein the financing lease service application instruction carries first application information.

Specifically, the client needing financing lease can enter into the financing lease product page through channels such as an applet, a public number, an H5 webpage and the like in the application terminal. The financing lease product page displays financing lease product information, a user can select a proper financing lease product, then basic information of the user is filled in to apply for financing lease business, a server receives a financing lease business application instruction sent by an application terminal, the financing lease business application instruction carries first application information, and the first application information comprises the financing lease product information, the basic information of the user and other contents.

S304, verifying the first application information according to a preset rule, and when the first application information passes the verification, storing the first application information and sending the first application information to the auditing terminal.

The preset rule is preset and is used for verifying whether the first application information is accurate or not.

Specifically, the server verifies the first application information according to preset rules, and when the first application information passes verification, the first application information is stored and sent to the auditing terminal. In one embodiment, when the first application information passes the verification, a corresponding application identifier is generated according to the first application information, and the application identifier and the first application information corresponding to the application identifier are associated and stored.

S306, acquiring a preliminary audit passing instruction sent by the audit terminal, and sending a prompt for logging in and submitting second application information to the application terminal according to the preliminary audit passing instruction.

Specifically, when the auditing terminal receives the first application information, the first application information is displayed, the displayed first application information is audited through financing leasing service personnel, when the auditing is passed, a preliminary auditing passing instruction is submitted to a server through the auditing terminal, the server obtains the preliminary auditing passing instruction sent by the auditing terminal, and a prompt for logging in and submitting second application information is sent to the application terminal according to the preliminary auditing passing instruction, namely a prompt for logging in the financing leasing platform for submitting detailed application information is sent to the application terminal.

In the above embodiment, the financing lease service application instruction sent by the application terminal is received, the financing lease service application instruction carries the first application information, the first application information is verified according to the preset rule, when the first application information is verified, the first application information is stored and sent to the auditing terminal, the preliminary auditing passing instruction sent by the auditing terminal is obtained, and the prompt of logging in and submitting the second application information is sent to the application terminal according to the preliminary auditing passing instruction, so that a user can conveniently apply for the financing lease service, the requirement of the user is met, and the experience of the user is improved.

In one embodiment, as shown in fig. 4, step S304, that is, verifying the first application information according to a preset rule, when the verification of the first application information passes, stores the first application information and sends the first application information to the auditing terminal, includes the steps of:

s402, searching first application information in a preset application information database.

The user financing lease application information with preset historical time is stored in the preset application information database. For example, financing lease application information may be stored for one month in history.

Specifically, first application information is searched in preset application information data, and whether the user applies repeatedly is judged. For example, the mobile phone number in the first application information can be searched, when the mobile phone number is found to be consistent, whether other contents in the first application information except the mobile phone number are consistent with the stored application information is judged, when the application information is consistent, the application is repeatedly submitted, and a prompt of submitted application is returned to the application terminal.

S404, when the first application information is not found in the preset application information database, a target information acquisition request is sent to a third party server according to the first application information.

The target information is information corresponding to the first application information stored in the third party server. For example, the user basic information in the first application information may be obtained from a national personal user information database. The business basic information in the first application information can be searched from a national business industrial and commercial basic information registration database.

Specifically, when no consistent first application information is found in the preset application information database, i.e. no repeated application is submitted, a target information acquisition request is sent to a third party server according to the first application information.

S406, acquiring target information returned by the third-party server, and when the target information is consistent with the first application information, the first application information passes verification, and storing and sending the first application information to the auditing terminal.

Specifically, target information returned by the third-party server is obtained, when the target information is consistent with the first application information, the first application information passes verification, the first application information is stored, and the first application information is sent to the auditing terminal.

In the above embodiment, the third party server acquires the target information, verifies whether the target information is consistent with the first application information, and when the target information is consistent with the first application information, the first application information is verified, the first application information is stored and sent to the auditing terminal, so that the authenticity of the first application information can be ensured.

In one embodiment, as shown in fig. 5, step S304, that is, verifying the first application information according to a preset rule, when the verification of the first application information passes, storing the first application information and sending the first application information to the auditing terminal, includes the steps of:

s502, generating a basic application voice question according to the first application information.

Specifically, the server generates the basic application voice question according to the first application information, and the basic application voice question can be generated through a language question template. For example, if the financing amount in the first application information is fifty thousand yuan, the generated basic application voice question may be "whether your financing amount is fifty thousand yuan? ". And then, according to the generated basic application voice question questions, communicating with the user through a voice system, asking questions according to a preset question sequence, and then collecting answer voices of the user.

S504, obtaining voice response information obtained according to the basic application voice question, and obtaining text information according to the voice response information.

Specifically, the server acquires the voice response information obtained according to the basic application voice question, and then converts the obtained voice response information into text information according to a voice recognition algorithm.

S506, extracting target keywords in the text information by using a keyword extraction algorithm, and when the target keywords are consistent with preset keywords, verifying the first application information, storing the first application information and sending the first application information to an auditing terminal.

The preset keywords are preset related keywords according to the first application information, for example: and setting the name of the user in the first application information as a keyword.

Specifically, a keyword extraction algorithm is used for extracting target keywords in text information, wherein the keyword extraction algorithm can use a TextRank algorithm, an LDA algorithm and the like, and when the target keywords are consistent with preset keywords, the first application information passes verification, the first application information is stored, and the first application information is sent to an auditing terminal.

In the above embodiment, the basic application voice question is generated according to the first application information, the voice answer information obtained according to the basic application voice question is obtained, the text information is obtained according to the voice answer information, the target keyword in the text information is extracted by using the keyword extraction algorithm, when the target keyword is consistent with the preset keyword, the first application information is verified, the first application information is stored and sent to the auditing terminal, when the extracted target keyword is matched with the preset keyword, the first application information is indicated to have no problem when the target keyword is consistent with the preset keyword, then the first application information is stored and sent to the auditing terminal, verification of the first application information is realized, and authenticity of the first application information is ensured.

In one embodiment, as shown in fig. 6, step S206, that is, filtering the second application information according to a preset filtering rule, when the second application information is filtered, sending the second application information to the audit terminal includes:

s602, searching second application information in a preset application information database.

Specifically, the second application information is searched in the preset application information database, for example, the second application information can be searched according to the second application information identifier, whether the second application information is repeatedly submitted is judged, when the second application information can be searched in the preset application information database, the second application information is indicated to be repeatedly submitted, and then the server sends a second application information repeatedly submitted instruction to the application terminal.

S604, when the second application information is not found in the preset application information database, calculating the authenticity of the second application information according to the preset weight, and when the authenticity is larger than a preset threshold, filtering the second application information, and sending the second application information to the auditing terminal.

Specifically, when the second application information is not found in the preset application information database, calculating the authenticity of the second application information according to the preset weight, and when the authenticity of the second application information is larger than a preset threshold value, filtering the second application information, and sending the second application information to the auditing terminal.

In the above embodiment, the second application information is searched in the preset application information database, when the second application information is not searched in the preset application information database, the authenticity of the second application information is calculated according to the preset weight, and when the authenticity is greater than the preset threshold, the second application information is filtered and passed, the second application information is sent to the auditing terminal, and the authenticity of the second application information is compared with the preset threshold by calculating the authenticity of the second application information, so that the filtering of the second application information is realized, and the authenticity of the second application information can be ensured.

In one embodiment, step S604, namely calculating the authenticity of the second application information according to the preset weight, includes the steps of:

Specifically, the authenticity of each target in the second application information is calculated, for example, the authenticity of the actual control personnel credit report in the second application information is calculated, and the authenticity of the enterprise electricity consumption is calculated. Each target has a corresponding preset weight, for example, the weight of the actual control personnel credit report is 0.2, the enterprise electricity consumption is 0.2, and the like. The server acquires preset weights corresponding to the targets, and calculates the authenticity of the second application information according to the authenticity of the targets and the preset weights corresponding to the targets. In the embodiment, the authenticity of the second application information is finally obtained by calculating the authenticity of each target in the second application information, so that the authenticity of the second application information can be more accurately calculated.

In one embodiment, as shown in fig. 7, step S206, that is, filtering the second application information according to a preset filtering rule, when the second application information is filtered, sending the second application information to the audit terminal, includes the steps of:

S702, obtaining application information feature vectors according to the second application information, and inputting the application information feature vectors into a trained application recognition model for recognition to obtain output feature vectors.

The application recognition model is trained by using a machine learning algorithm according to the historical second application information and the corresponding auditing result. The application information of the historical enterprises and the corresponding filtering results are obtained, then the application basic characteristics are extracted according to the application information of the historical enterprises, and the corresponding output characteristics are set according to the filtering results. And obtaining an application basic feature vector according to application basic features and application information of a historical enterprise, obtaining an output feature vector according to a filtering result corresponding to the application information of the historical enterprise, taking the application basic feature vector as input of a machine learning algorithm, training the output feature vector as a label of the machine learning algorithm, and finishing training when a loss function value reaches a preset threshold value or the training frequency reaches the maximum iteration frequency. The machine learning algorithm may be a BP neural network, a linear regression algorithm, or the like.

Specifically, the server obtains the application information feature vector according to the second application information, and can obtain the corresponding feature vector according to each target of the second application information, and then combine the feature vectors corresponding to each target into the application information feature vector. For example, the actual control person credit report obtains an actual control person credit vector, and the enterprise electricity fee feature vector is obtained according to the enterprise electricity fee bill. And then, inputting the obtained application information feature vector into a trained application recognition model for recognition to obtain an output feature vector.

And S704, obtaining a second application information filtering result according to the output feature vector, and transmitting the second application information to the auditing terminal when the filtering result passes.

The corresponding relation between the filtering result and the output characteristic vector is set in advance when the application recognition model is trained, namely the corresponding output characteristic vector of the filtering passing setting is [1] and the corresponding output characteristic vector of the filtering failing setting is [0].

Specifically, a second application information filtering result is obtained according to a preset corresponding relation between the output feature vector and the filtering result, and when the filtering result is passing, the second application information is sent to the auditing terminal.

In the above embodiment, the application information feature vector is obtained according to the second application information, the application information feature vector is input into the trained application recognition model to be recognized, the output feature vector is obtained, the second application information filtering result is obtained according to the output feature vector, when the filtering result passes, the second application information is sent to the auditing terminal, the filtering of the second application information is achieved, and the authenticity of the second application information is ensured.

It should be understood that, although the steps in the flowcharts of fig. 2-7 are shown in order as indicated by the arrows, these steps are not necessarily performed in order as 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. 2-7 may include multiple sub-steps or 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 in sequence, but may be performed alternately or alternately with at least a portion of the sub-steps or stages of other steps or other steps.

In one embodiment, as shown in fig. 8, there is provided a financing lease application apparatus 800 comprising: a login module 802, an identification generation module 804, a second information acquisition module 806, and an auditing module 808, wherein:

The login module 802 is configured to receive a login instruction sent by the application terminal, where the login instruction carries login information, obtain first application information, and verify the login information according to the first application information;

The identifier generating module 804 is configured to generate a corresponding second application information identifier according to the first application information when the login information is verified to pass according to the first application information;

the second information obtaining module 806 is configured to return the second application information identifier to the application terminal, obtain second application information corresponding to the second application information identifier, which is submitted by the application terminal, filter the second application information according to a preset filtering rule, and send the second application information to the audit terminal when the second application information is filtered;

And the auditing module 808 is used for receiving an auditing passing instruction sent by the auditing terminal, storing the first application information and the second application information in a correlated manner according to the auditing passing instruction, and sending an application passing prompt to the application terminal.

In the above embodiment, the login module 802 is used to verify the login information, the identifier generating module 804 is used to generate a second application information identifier corresponding to the first application information, then the second application information is acquired in the second information acquiring module 806, the second application information is filtered according to a preset filtering rule, when the second application information is filtered and passed, the second application information is sent to the auditing terminal, finally, an auditing passing instruction sent by the auditing terminal is received in the auditing module 808, and the first application information and the second application information are stored in an associated manner according to the auditing passing instruction and an application passing prompt is sent to the application terminal. The application audit of financing lease through the financing lease platform is realized, and the efficiency of investment lease achievement can be improved.

In one embodiment, the financing lease application apparatus 800 further includes:

The application instruction receiving module is used for receiving a financing lease business application instruction sent by the terminal, wherein the financing lease business application instruction carries first application information.

And the application information verification module is used for verifying the first application information according to a preset rule, and when the first application information passes the verification, the first application information is stored and sent to the auditing terminal.

The application information auditing module is used for acquiring a preliminary auditing passing instruction sent by the auditing terminal, and sending a prompt for logging in and submitting second application information to the application terminal according to the preliminary auditing passing instruction.

In one embodiment, the application information verification module includes:

the first searching module is used for searching first application information in a preset application information database;

The request sending module is used for sending a target information acquisition request to the third party server according to the first application information when the first application information is not found in the preset application information database;

the target information acquisition module is used for acquiring target information returned by the third-party server, and when the target information is consistent with the first application information, the first application information passes verification, and the first application information is stored and sent to the auditing terminal.

In one embodiment, the application information verification module includes:

The problem generation module is used for generating basic application voice question according to the first application information;

the text obtaining module is used for obtaining the voice response information obtained according to the basic application voice question and obtaining text information according to the voice response information;

And the keyword verification module is used for extracting target keywords in the text information by using a keyword extraction algorithm, and when the target keywords are consistent with preset keywords, the first application information is verified, and the first application information is stored and sent to the auditing terminal.

In one embodiment, the second information acquisition module 806 includes:

the second searching module is used for searching second application information in a preset application information database;

the authenticity calculating module is used for calculating the authenticity of the second application information according to the preset weight when the second application information is not found in the preset application information database, and sending the second application information to the auditing terminal through the second application information filtering when the authenticity is larger than a preset threshold value.

In one embodiment, the reality calculating module includes:

The weight acquisition module is used for calculating the authenticity of each target in the second application information, acquiring the preset weight corresponding to each target, and calculating the authenticity of the second application information according to the authenticity of each target and the preset weight corresponding to each target.

In one embodiment, the second information acquisition module 806 includes:

The model identification module is used for obtaining application information feature vectors according to the second application information, inputting the application information feature vectors into a trained application identification model for identification, and obtaining output feature vectors;

the filtering result obtaining module is used for obtaining a second application information filtering result according to the output feature vector, and sending the second application information to the auditing terminal when the filtering result passes.

For specific limitations of the financing lease application apparatus, reference may be made to the above limitations of the financing lease application method, and no further description is given here. The modules in the financing and leasing application apparatus can 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 server, and the internal structure of which may be as shown in fig. 9. The computer device includes a processor, a memory, a network interface, and a database 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, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing the first application information and the second application information data. 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 financing lease application method.

It will be appreciated by persons skilled in the art that the architecture shown in fig. 9 is merely a block diagram of some of the architecture relevant to the present inventive arrangements and is not limiting as to the computer device to which the present inventive arrangements are applicable, 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 login instruction sent by an application terminal, wherein the login instruction carries login information, acquiring first application information, and verifying the login information according to the first application information; when the login information is verified to pass according to the first application information, a corresponding second application information identifier is generated according to the first application information; the second application information identification is returned to the application terminal, second application information which is submitted by the application terminal and corresponds to the second application information identification is obtained, the second application information is filtered according to a preset filtering rule, and when the second application information is filtered, the second application information is sent to the auditing terminal; and receiving an audit passing instruction sent by the audit terminal, storing the first application information and the second application information in a correlated manner according to the audit passing instruction, and sending an application passing prompt to the application terminal.

In one embodiment, the processor when executing the computer program further performs the steps of: and receiving a financing lease service application instruction sent by the terminal, wherein the financing lease service application instruction carries first application information. And verifying the first application information according to a preset rule, and when the first application information passes the verification, storing the first application information and sending the first application information to the auditing terminal. And acquiring a preliminary audit passing instruction sent by the audit terminal, and sending a prompt for logging in and submitting second application information to the application terminal according to the preliminary audit passing instruction.

In one embodiment, the processor when executing the computer program further performs the steps of: searching first application information in a preset application information database; when the first application information is not found in the preset application information database, a target information acquisition request is sent to a third party server according to the first application information; and acquiring target information returned by the third-party server, and when the target information is consistent with the first application information, the first application information passes verification, and storing and transmitting the first application information to the auditing terminal.

In one embodiment, the processor when executing the computer program further performs the steps of: generating basic application voice questioning questions according to the first application information; acquiring voice response information obtained according to the basic application voice question, and obtaining text information according to the voice response information; and extracting target keywords in the text information by using a keyword extraction algorithm, and when the target keywords are consistent with preset keywords, the first application information passes verification, and storing and sending the first application information to an auditing terminal.

In one embodiment, the processor when executing the computer program further performs the steps of: searching second application information in a preset application information database; when the second application information is not found in the preset application information database, the authenticity of the second application information is calculated according to the preset weight, and when the authenticity is larger than a preset threshold, the second application information is filtered and passed, and the second application information is sent to the auditing terminal.

In one embodiment, the processor when executing the computer program further performs the steps of: and calculating the authenticity of each target in the second application information, acquiring a preset weight corresponding to each target, and calculating the authenticity of the second application information according to the authenticity of each target and the preset weight corresponding to each target.

In one embodiment, the processor when executing the computer program further performs the steps of: obtaining an application information feature vector according to the second application information, and inputting the application information feature vector into a trained application recognition model for recognition to obtain an output feature vector; and obtaining a second application information filtering result according to the output feature vector, and transmitting the second application information to the auditing terminal when the filtering result passes.

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 login instruction sent by an application terminal, wherein the login instruction carries login information, acquiring first application information, and verifying the login information according to the first application information; when the login information is verified to pass according to the first application information, a corresponding second application information identifier is generated according to the first application information; the second application information identification is returned to the application terminal, second application information which is submitted by the application terminal and corresponds to the second application information identification is obtained, the second application information is filtered according to a preset filtering rule, and when the second application information is filtered, the second application information is sent to the auditing terminal; and receiving an audit passing instruction sent by the audit terminal, storing the first application information and the second application information in a correlated manner according to the audit passing instruction, and sending an application passing prompt to the application terminal.

In one embodiment, the computer program when executed by the processor further performs the steps of: and receiving a financing lease service application instruction sent by the terminal, wherein the financing lease service application instruction carries first application information. And verifying the first application information according to a preset rule, and when the first application information passes the verification, storing the first application information and sending the first application information to the auditing terminal. And acquiring a preliminary audit passing instruction sent by the audit terminal, and sending a prompt for logging in and submitting second application information to the application terminal according to the preliminary audit passing instruction.

In one embodiment, the computer program when executed by the processor further performs the steps of: searching first application information in a preset application information database; when the first application information is not found in the preset application information database, a target information acquisition request is sent to a third party server according to the first application information; and acquiring target information returned by the third-party server, and when the target information is consistent with the first application information, the first application information passes verification, and storing and transmitting the first application information to the auditing terminal.

In one embodiment, the computer program when executed by the processor further performs the steps of: generating basic application voice questioning questions according to the first application information; acquiring voice response information obtained according to the basic application voice question, and obtaining text information according to the voice response information; and extracting target keywords in the text information by using a keyword extraction algorithm, and when the target keywords are consistent with preset keywords, the first application information passes verification, and storing and sending the first application information to an auditing terminal.

In one embodiment, the computer program when executed by the processor further performs the steps of: searching second application information in a preset application information database; when the second application information is not found in the preset application information database, the authenticity of the second application information is calculated according to the preset weight, and when the authenticity is larger than a preset threshold, the second application information is filtered and passed, and the second application information is sent to the auditing terminal.

In one embodiment, the computer program when executed by the processor further performs the steps of: and calculating the authenticity of each target in the second application information, acquiring a preset weight corresponding to each target, and calculating the authenticity of the second application information according to the authenticity of each target and the preset weight corresponding to each target.

In one embodiment, the computer program when executed by the processor further performs the steps of: obtaining an application information feature vector according to the second application information, and inputting the application information feature vector into a trained application recognition model for recognition to obtain an output feature vector; and obtaining a second application information filtering result according to the output feature vector, and transmitting the second application information to the auditing terminal when the filtering result passes.

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 (SYNCHLINK) DRAM (SLDRAM), memory bus (Rambus) 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 above examples merely represent a few embodiments of the present application, which are described more specifically and secondly, but 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

1. A financing lease application method, the method comprising:

Receiving a login instruction sent by an application terminal, wherein the login instruction carries login information, acquiring first application information, verifying the login information according to the first application information, and the first application information is financing lease application information received by a server from different channels, and comprises the following steps: the method comprises the steps that application numbers, financing lease product information, customer basic information and customer enterprise basic information are applied, first application information is used for obtaining target information through a third-party server, whether the target information is consistent with the first application information or not is verified, when the target information is consistent with the first application information, the first application information is stored and sent to an auditing terminal, a preliminary auditing passing instruction sent by the auditing terminal is obtained, and a prompt for logging in and submitting second application information is sent to the application terminal according to the preliminary auditing passing instruction;

When the login information is verified to pass according to the first application information, a corresponding second application information identifier is generated according to the first application information, wherein the second application information identifier refers to an identifier of detailed information required by a financing lease application, and the detailed information required by the financing lease application comprises user detailed information, enterprise detailed information and bank information;

Returning the second application information identifier to the application terminal, acquiring second application information which is submitted by the application terminal and corresponds to the second application information identifier, searching the second application information in the preset application information database, calculating the authenticity of the second application information according to a preset weight when the second application information is not searched in the preset application information database, and filtering the second application information when the authenticity is greater than a preset threshold value, and transmitting the second application information to the auditing terminal;

2. The method according to claim 1, wherein before receiving a login instruction sent by the application terminal, the login instruction carries login information, the method further comprises:

3. The method according to claim 2, wherein the verifying the first application information according to the preset rule, when the first application information passes the verification, storing the first application information and sending the first application information to the audit terminal, includes:

4. The method according to claim 2, wherein the verifying the first application information according to the preset rule, when the first application information passes the verification, storing the first application information and sending the first application information to the audit terminal, includes:

5. The method according to claim 1, further comprising, after the receiving an audit passing instruction sent by the audit terminal, storing the first application information and the second application information in association according to the audit passing instruction and sending an application passing prompt to the application terminal:

Generating an electronic contract according to the first application information and the second application information, and sending the electronic contract to a financial terminal, wherein the financial terminal carries out transaction according to the electronic contract.

6. The method of claim 5, wherein calculating the second application information authenticity according to the preset weight comprises:

7. The method of claim 1, wherein filtering the second application information according to a preset filtering rule, and when the second application information passes the filtering, sending the second application information to the audit terminal includes:

8. A financing lease application apparatus, characterized in that the apparatus comprises:

The login module is used for receiving login instructions sent by the application terminal, the login instructions carry login information, first application information is obtained, the login information is verified according to the first application information, the first application information is financing lease application information received by the server from different channels, and the login module comprises: the method comprises the steps that application numbers, financing lease product information, customer basic information and customer enterprise basic information are applied, first application information is used for obtaining target information through a third-party server, whether the target information is consistent with the first application information or not is verified, when the target information is consistent with the first application information, the first application information is stored and sent to an auditing terminal, a preliminary auditing passing instruction sent by the auditing terminal is obtained, and a prompt for logging in and submitting second application information is sent to the application terminal according to the preliminary auditing passing instruction;

The identification generation module is used for generating a corresponding second application information identification according to the first application information when the login information is verified to pass according to the first application information, wherein the second application information identification refers to identification of detailed information required by financing lease application, and the detailed information required by financing lease application comprises user detailed information, enterprise detailed information and bank information;

The second information acquisition module is used for returning the second application information identifier to the application terminal, acquiring second application information which is submitted by the application terminal and corresponds to the second application information identifier, and searching the second application information in the preset application information database; when the second application information is not found in a preset application information database, calculating the authenticity of the second application information according to a preset weight, and when the authenticity is greater than a preset threshold, the second application information is filtered and passed, and the second application information is sent to the auditing 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 7 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 7.