CN109816340A - Resource approval method, system, computer equipment and storage medium - Google Patents
Resource approval method, system, computer equipment and storage medium Download PDFInfo
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Abstract
This application involves data processing technique, in particular to a kind of resource approval method, system, computer equipment and storage medium.The described method includes: accessing the database of bottom data storage system according to the access mode of configuration receiving when including the application material of user's assets information of user's submission, saved examination & approval rule and user's reference information are obtained from the database；It scores according to the application material that the examination & approval rule submits user's reference information and user, first trial result is obtained according to scoring；After obtaining the first trial result, the review for carrying key message in the first trial result and application material request is sent to the review number of acknowledging a debt, to be checked according to the first trial result and the key message；When receiving review information, approval results are determined according to the review information.Approval process is fast implemented in the case where can be more than the application material information provided by user using this method.
Description
Technical field
This application involves field of computer technology, more particularly to a kind of resource approval method, system, computer equipment and
Storage medium.
Background technique
It is continuously improved as computer networking technology continues to develop to live with people, more and more users tend in net
It is upper to enjoy various digital services.For example, user can pass through intelligent end when user wants to travel or do shopping and fund is inadequate
End logs in the loan system of corresponding mechanism, and staying indoors can complete to borrow or lend money service accordingly.For lending institution, borrowing
Approving person is needed to carry out title examination and evaluation according to the application material of user, credit situation and loan repayment capacity during borrowing,
To determine whether user meets debt-credit condition and the corresponding accrediting amount.
For now, debt-credit approval process is the mode by manually examining to realize, is applied as provided by user
Material information is more, because of the problem of human factor may result in examination & approval low efficiency.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide a kind of resource approval method, system, computer equipment and
Storage medium fast implements approval process in the case where can be more than the application material information provided by user.
A kind of resource approval method, which comprises
When including the application material of user's assets information of user's submission is being received, is being connect according to the access mode of configuration
Enter the database of bottom data storage system, obtains saved examination & approval rule and user's reference information from the database；
It scores according to the application material that the examination & approval rule submits user's reference information and user, is obtained according to scoring
Obtain first trial result；
After obtaining the first trial result, answering for key message in the first trial result and the application material will be carried
Core request is sent to the review number of acknowledging a debt, to be checked according to the first trial result and the key message；It is multiple when receiving
When nuclear information, approval results are determined according to the review information.
In one of the embodiments, the method also includes:
When including the application material of user's assets information of user's submission is being received, whether is auditing the application material
Completely；
When the application material is complete, then the application material is submitted to the data to connection module；
When the application material is imperfect, then prompt information is exported, to prompt user to submit the part application of missing
Material.
In one of the embodiments, the method also includes:
When including the application material of user's assets information of user's submission is being received, default blacklist is obtained；
Determine whether user is being recorded in the default blacklist according to the user identifier in the application material；
If so, refusal executes the whether complete step of the audit application material；
If it is not, then executing the whether complete step of the audit application material.
In one of the embodiments, the method also includes:
Corresponding access mode is configured for the database of different bottom data storage systems, so that resource approval system passes through
The access mode of configuration is realized docks with bottom data storage system, obtains from the database of the bottom data storage system
Take corresponding data.
In one of the embodiments, the method also includes:
When including the application material of user's assets information of user's submission is being received, according to user's name and identity card
Information obtains the common reserve fund information of user from database；
Determine that the income of user, common reserve fund pay time, surplus account remaining sum and use according to the common reserve fund information
The Enterprise Integrated grading of enterprise where family pays time, common reserve fund to the income of user, common reserve fund according to the examination & approval rule
Account balance and Enterprise Integrated score, and determine the accrediting amount of user.
In one of the embodiments, the method also includes:
Determine the service node logical relation and circulation relationship during resource services are handled；According to the service node
Logical relation and circulation relationship generate service node approval process, to carry out corresponding industry according to the service node approval process
The examination & approval of business node.
In one of the embodiments, the method also includes:
Personalized field is configured, when the approval results indicate that user does not pass through audit, according to institute in approval results
Personalized text is added in the requirement for stating personalized field；
Approval results added with personalized text are sent to user and reserve communications account.
A kind of resource approval system, the system comprises:
Data are to connection module, for receiving when including the application material of user's assets information of user's submission, root
According to the database of the access mode access bottom data storage system of configuration, saved examination & approval rule are obtained from the database
Then with user's reference information；
Business approval module, application material for submitting according to the examination & approval rule to user's reference information and user into
Row scoring obtains first trial result according to scoring；
Review module, for the first trial result and the application material will to be carried after obtaining the first trial result
The review request of middle key message is sent to the review number of acknowledging a debt, to be answered according to the first trial result and the key message
Core；When receiving review information, approval results are determined according to the review information.
In one of the embodiments, the system also includes:
Material auditing module is examined for receiving when including the application material of user's assets information of user's submission
Whether application material described in core is complete；
When the application material is complete, then the application material is submitted to the data to connection module；
When the application material is imperfect, then prompt information is exported, to prompt user to submit the part application of missing
Material.
The material auditing module is also used in one of the embodiments:
When including the application material of user's assets information of user's submission is being received, default blacklist is obtained；
Determine whether user is being recorded in the default blacklist according to the user identifier in the application material；
If so, refusal executes the whether complete step of the audit application material；
If it is not, then executing the whether complete step of the audit application material.
The data are also used to connection module in one of the embodiments:
Corresponding access mode is configured for the database of different bottom data storage systems, so that resource approval system passes through
The access mode of configuration is realized docks with bottom data storage system, obtains from the database of the bottom data storage system
Take corresponding data.
The data are also used to receive user's submission include user to connection module in one of the embodiments,
When the application material of assets information, the common reserve fund information of user is obtained from database according to user's name and ID card information；
Business approval module be also used to be determined according to the common reserve fund information income of user, common reserve fund pay the time,
The Enterprise Integrated grading of surplus account remaining sum and user place enterprise, it is long-pending according to income, public affairs of the examination & approval rule to user
Pay time, surplus account remaining sum and the Enterprise Integrated of gold score, and determine the accrediting amount of user.
In one of the embodiments, the system also includes:
Process configuration module, for determining service node logical relation and circulation pass during resource services are handled
System；Service node approval process is generated according to the service node logical relation and circulation relationship, so as to according to the business section
Point approval process carries out the examination & approval of corresponding service node.
In one of the embodiments, the system also includes:
Data protocol module, for configuring personalized field, when the approval results indicate that user does not pass through audit,
Personalized text is added according to the requirement of the personalized field in approval results；
Communication module reserves communications account for the approval results for being added with personalized text to be sent to user.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
The step of device realizes the resource approval method when executing the computer program.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
The step of resource approval method is realized when row.
Above-mentioned resource approval method, system, computer equipment and storage medium, data are to being configured with corresponding bottom in connection module
The access mode of the database of layer data storage system accesses bottom according to the access mode of configuration when receiving application material
The database of layer data storage system is adapted to various types of databases to solve the problems, such as reading and writing data.Business approval
Module is examined according to the application material that examination & approval rule submits user's reference information of acquisition and user, is avoided in user
Provided application material information is more and leads to the problem of examining low efficiency, improves examination & approval efficiency.In addition, review module is in industry
After the completion of approval module of being engaged in examination & approval, review people's audit is given according to key message in first trial result and application material, is obtained final
Approval results, review people need to only check according to key message in application material and first trial result, not need to spend a large amount of
Time and efforts, can realize review, be conducive to improve examination & approval accuracy.
Detailed description of the invention
Fig. 1 is the application scenario diagram of resource approval method in one embodiment；
Fig. 2 is the flow chart of resource approval method in one embodiment；
Fig. 3 is the structural block diagram of resource approval system in one embodiment；
Fig. 4 is the structural block diagram of resource approval system in another embodiment；
Fig. 5 is the structural block diagram of resource approval system in another embodiment；
Fig. 6 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 is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Resource approval method provided by the present application, can be applied in application environment as shown in Figure 1.Wherein, terminal 102
It is communicated with server 104 by network by network.It includes user that user, which is submitted by terminal 102 to server 104,
The application material of assets information.Server 104 is accessed when receiving user's submission application material according to the access mode of configuration
The database of bottom data storage system obtains saved examination & approval rule and user's reference information from database；According to careful
It criticizes the application material that rule submits user's reference information and user to score, first trial result is obtained according to scoring；It is obtaining
After first trial result, the review for carrying key message in first trial result and application material request is sent to the review number of acknowledging a debt, with
Just review people checks according to first trial result and the key message；It is true according to review information when receiving review information
Fixed final approval results.Wherein, terminal 102 can be, but not limited to be various personal computers, laptop, intelligent hand
Machine, tablet computer and portable wearable device, server 104 can be formed with the either multiple servers of independent server
Server cluster realize.
In one embodiment, as shown in Fig. 2, providing a kind of resource approval method, it is applied in Fig. 1 in this way
It is illustrated for server, comprising the following steps:
S202 is receiving when including the application material of user's assets information of user's submission, according to the access of configuration
Mode accesses the database of bottom data storage system, and saved examination & approval rule and user's reference letter are obtained from database
Breath.
Wherein, application material includes but is not limited to the essential informations such as address name, gender, age, educational background, address, and
The assets informations such as year (or moon) income, house property information and information of vehicles.Information of vehicles includes vehicle model, purchasing price, purchase
Time and vehicle ownership proof etc..
The database of bottom data storage system includes but is not limited to Oracle, DB2, MySQL and SQL Sever etc..Bottom
The database of layer data storage system can be the database of local terminal mechanism, be also possible to the database of the third-party institution.
In one embodiment, right since different mechanisms may use different Database Systems to carry out data storage
For a set of resource approval system, when being used to carry out docking progress resource approval with resource system, due to different mechanisms
May causing access mode using different databases, there is some difference.Therefore, server is the storage of different bottom datas
The database of system configures corresponding access mode, realizes and bottom number so that resource approval system passes through the access mode configured
According to the docking of storage system, corresponding data are obtained from the database of bottom data storage system.
For example, since different lending agencies may use the different Database Systems relevant data that provide a loan to deposit
Storage, for a set of loan approval system, when carrying out loan examination & approval for dock with loan system, due to different
Lending agency may cause access mode using different databases, and there is some difference.Therefore, server is lending agency
It configures corresponding database access mode, realizes that the bottom data storage system of loan approval system and lending agency carries out pair
It connects, will pass through in database used in pre-configured database access mode access lending agency.
S204 scores according to the application material that examination & approval rule submits user's reference information and user, according to scoring
Obtain first trial result.
Wherein, first trial result includes but is not limited to whether user meets resource approval requirement, and when meeting the requirements how
Distribute resource.For example, in practical applications, first trial result can be whether user meets borrowing needs, it is corresponding if meeting
The accrediting amount is how many.
In one embodiment, S204 can specifically include: server is according to examination & approval rule, to user's reference information and use
Family assets information scores, if user does not occur reference problem and user's assets information characterization user has higher Economic Energy
Power then gives higher scoring.If there is reference problem in user and/or user's assets information characterization user does not have economic capability
(or economic capability is lower) then gives lower scoring.Scoring is high to indicate that user meets borrowing needs and the accrediting amount is higher.
The low expression user that scores does not meet borrowing needs.Wherein, reference problem can be user and occur maliciously being in arrears in borrowing process
Loan money, or malice are in arrears with the fund etc. of other users.
In one embodiment, server generates corresponding approval process data in approval process, the approval process number
It include each service node of examination & approval in as a result, approval process data are saved.For example, examining the knot of each service node
Whether fruit can be application material complete, lack which material, whether user generates in debt-credit and borrowing process occurs
Reference problem etc..In addition, server also records the examination & approval situation of each resource services and the operational circumstances of business personnel, and
It is stored, is consulted so as to subsequent.
In one embodiment, server receive user submission include user's assets information application material
When, the common reserve fund information of user is obtained from database according to user's name and ID card information；Server is believed according to common reserve fund
The Enterprise Integrated grading for paying time, surplus account remaining sum and enterprise where user for the income, common reserve fund for determining user is ceased,
The income of user, pay time, surplus account remaining sum and the Enterprise Integrated of common reserve fund are commented according to examination & approval rule
Point, determine the accrediting amount of user.
S206 requests the review for carrying key message in first trial result and application material after obtaining first trial result
It is sent to the review number of acknowledging a debt, to be checked according to first trial result and key message；When receiving review information, according to multiple
Nuclear information determines approval results.
Wherein, the review number of acknowledging a debt can be the social communication account of review people, be also possible to check people in resource audit system
Account on system.Key message can be the important information in application material, such as the income of user, educational background, house property information and vehicle
Information etc..
In one embodiment, if do not receive the review information that review human hair is sent in the first preset time, service
Device then goes out to review human hair with urging information, and review people is prompted to check in time.If not received in the second preset time multiple
When the review information that core human hair is sent, the first trial result that server obtains is as final approval results.Since server carries out
Review operation, accuracy with higher, in the case where reviewing officer is busy or the insufficient situation of personnel amount, with first
Fruit conclude as final approval results, so as to avoid user from waiting for a long time, to improve user experience.
In one embodiment, this method further include: receive user submission include user's assets information Shen
Please material when, audit application material it is whether complete；When application material is complete, then subsequent review operation is carried out；When application material
When expecting imperfect, then prompt information is exported, to prompt user to submit the part application material of missing.
For example, if the essential informations such as address name, gender, age, educational background, address and year (or moon) income are necessary
Application material, the house property information and information of vehicles of user are nonessential application material.Lack when in the application material of upload
When user takes in this some materials, then the material for needing that user is submitted to take in can carry out subsequent examination & approval step.When upload
When lacking house property information or this some materials of information of vehicles in application material, it may not be necessary to which user uploads house property information and vehicle
Information directly carries out subsequent examination & approval step.
In one embodiment, it includes user's assets information that this method, which can also include: receive user's submission,
Application material when, obtain default blacklist；According to the user identifier in application material determine user whether be recorded in it is default
Blacklist；If so, refusal, which executes, audits the whether complete step of the application material；If it is not, then executing audit application material
Whether complete step.
Wherein, it presets blacklist and the user for comparing serious problems occurs for recording reference, such as user is borrowing or lending money
In the process, there is malice and be in arrears with loan money, or malice is in arrears with the fund etc. of other users.For having note in default blacklist
The user of record will not be allowed to carry out corresponding resource services to obtain corresponding resource (such as loan fund).
In one embodiment, this method can also comprise determining that service node during resource services are handled is patrolled
The relationship of collecting and circulation relationship；According to service node logical relation and circulation relationship generate service node approval process, so as to according to
The examination & approval of service node approval process progress corresponding service node.
For example, server can determine the front and back logical relation and circulation relationship of loan permit business, according to service node
Logical relation and circulation relationship generate a complete service node approval process, examine and flow according to service node so as to server
The examination & approval of Cheng Jinhang corresponding service node.
In one embodiment, this method can also include: to configure personalized field, when approval results indicate that user is not led to
When crossing audit, personalized text is added according to the requirement of personalized field in approval results；It will be added with personalized text
Approval results are sent to user and reserve communications account.
For example, server defines personalized field, to meet the scalability of different business.Generally, many mechanisms will not
Specific Reason For Denial and suggestion are sent to user.In embodiments of the present invention, when approval results be do not meet approval requirements and
When refusal is borrowed or lent money, server defines personalized field, obtains the reason of refusal is provided a loan and proposes the suggestion for meeting borrowing needs,
Right rear line sends the reason of refusal loan and meets the suggestion of borrowing needs.
In above-described embodiment, the access mode of the database due to being configured with corresponding bottom data storage system, server
When receiving application material, the database of bottom data storage system is accessed according to the access mode of configuration, is adapted to each
The database of seed type is to solve the problems, such as reading and writing data.Server is according to examination & approval rule to the user's reference information and use of acquisition
The application material that family is submitted is examined, and is avoided more than the application material information provided by user and is caused to examine low efficiency
Problem improves examination & approval efficiency.In addition, server gives review people to examine according to key message in first trial result and application material
Core, obtains final approval results, and review people need to only check according to key message in application material and first trial result, be not required to
It expends considerable time and effort, can realize review, be conducive to the accuracy for improving examination & approval.
It should be understood that although each step in the flow chart of Fig. 2 is successively shown according to the instruction of arrow, this
A little steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly state otherwise herein, these steps
It executes there is no the limitation of stringent sequence, these steps can execute in other order.Moreover, at least part in Fig. 2
Step may include that perhaps these sub-steps of multiple stages or stage are executed in synchronization to multiple sub-steps
It completes, but can execute at different times, the execution sequence in these sub-steps or stage, which is also not necessarily, successively to be carried out,
But it can be executed in turn or alternately at least part of the sub-step or stage of other steps or other steps.
In one embodiment, as shown in figure 3, providing a kind of resource approval system, which includes: data docking mould
Block 302, business approval module 304 and review module 306, in which:
Data are to connection module 302, for receiving when including the application material of user's assets information of user's submission,
The database that bottom data storage system is accessed according to the access mode of configuration obtains saved examination & approval rule from database
With user's reference information.
Wherein, resource approval system includes but is not limited to resource approval system and project examination system.Application material includes
But it is not limited to the essential informations such as address name, gender, age, educational background, address and year (or moon) income, house property information and vehicle
The assets informations such as information.Information of vehicles includes vehicle model, purchasing price, time buying and vehicle ownership proof etc..
The database of bottom data storage system includes but is not limited to Oracle, DB2, MySQL and SQL Sever etc..Bottom
The database of layer data storage system can be the database of local terminal mechanism, be also possible to the database of the third-party institution.
In one embodiment, right since different mechanisms may use different Database Systems to carry out data storage
For a set of resource approval system, when being used to carry out docking progress resource approval with resource system, due to different mechanisms
May causing access mode using different databases, there is some difference.Therefore, by data to connection module 302, for not
Database with bottom data storage system configures corresponding access mode, so that resource approval system passes through the access side configured
Formula realization is docked with bottom data storage system, and corresponding data are obtained from the database of bottom data storage system.
For example, since different lending agencies may use the different Database Systems relevant data that provide a loan to deposit
Storage, for a set of loan approval system, when carrying out loan examination & approval for dock with loan system, due to different
Lending agency may cause access mode using different databases, and there is some difference.Therefore, by data to connection module
302, corresponding database access mode is configured for lending agency, realizes that the bottom data of loan approval system and lending agency is deposited
Storage system is docked, will pass through database used in pre-configured database access mode access lending agency
In.
Business approval module 304, application material for submitting according to examination & approval rule to user's reference information and user into
Row scoring obtains first trial result according to scoring.
Wherein, first trial result includes but is not limited to whether user meets resource approval requirement, and when meeting the requirements how
Distribute resource.For example, in practical applications, first trial result can be whether user meets borrowing needs, it is corresponding if meeting
The accrediting amount is how many.
In one embodiment, business approval module 304 believes user's reference information and user's assets according to examination & approval rule
Breath scores, if user does not occur reference problem and user's assets information characterization user has higher economic capability, gives
Higher scoring.If there is reference problem in user and/or user's assets information characterization user does not have economic capability (or Economic Energy
Power is lower), then give lower scoring.Scoring is high to indicate that user meets borrowing needs and the accrediting amount is higher.It scores low expression
User does not meet borrowing needs.Wherein, reference problem can be user and occur maliciously being in arrears with loan money in borrowing process, or
Person's malice is in arrears with the fund etc. of other users.
In one embodiment, due to may relate to the industry of resource approval in many different mechanisms (such as bank)
It is engaged in, the difference between basic resource approval step is smaller, can refine to examination & approval step, will refine and be formed substantially
Service node approval process be configured in business approval module 304, so that business approval module 304 is according to the service node
The examination & approval of approval process progress corresponding service node.
Data can provide unified data access layer to connection module 302 for business approval module 304, avoid because of inhomogeneity
The difference of type database and the problem for causing reading and writing data difficulty.In addition, business approval module 304 and bottom data storage system
Decoupling is accomplished, by defining corresponding data protocol, connection module 302 can have been obtained from database by data relatively uniform
Data mode.
In one embodiment, business approval module 304 generates corresponding approval process data in approval process, this is examined
Criticize includes each service node of examination & approval in flow data as a result, approval process data are saved.For example, examining each business
Whether the result of node can be application material complete, which material be lacked, whether user generates in debt-credit and borrowing process
Whether reference problem etc. is occurred.In addition, business approval module 304 also records the examination & approval situation and business of each resource services
The operational circumstances of personnel, and stored, it is consulted so as to subsequent.
In one embodiment, data are also used to receive user's submission include user's assets to connection module 302
When the application material of information, the common reserve fund information of user is obtained from database according to user's name and ID card information；Business
Approval module 304 is also used to determine that the income of user, common reserve fund pay the time, more than surplus account according to common reserve fund information
The Enterprise Integrated grading of enterprise where volume and user pays time, public product to the income of user, common reserve fund according to examination & approval rule
Golden account balance and Enterprise Integrated score, and determine the accrediting amount of user.
Review module 306, for key message in first trial result and application material will to be carried after obtaining first trial result
Review request be sent to the review number of acknowledging a debt, to be checked according to first trial result and key message；Believe when receiving review
When breath, approval results are determined according to review information.
Wherein, the review number of acknowledging a debt can be the social communication account of review people, be also possible to check people in resource audit system
Account on system.Key message can be the important information in application material, such as the income of user, educational background, house property information and vehicle
Information etc..
In one embodiment, it is formed in basic service node approval process by refining, some business section
Point is examined by business approval module 304, and also some service node is audited by review module 306.Therefore, by refining
It forms basic service node approval process to be configured in review module 306, so that review module 306 is according to the service node
The audit of approval process progress corresponding service node.
In one embodiment, if do not receive the review information that review human hair is sent in the first preset time, review
Module 306 then goes out to review human hair with urging information, and review people is prompted to check in time.If not received in the second preset time
When the review information sent to review human hair, the first trial result that review module 306 is obtained according to business approval module 304 is as finally
Approval results.Since business approval module 304 has carried out a review operation, accuracy with higher, is being checked
Under person works are busy or the insufficient situation of personnel amount, using the first trial result of business approval module 304 as final examination & approval knot
Fruit, so as to avoid user from waiting for a long time, to improve user experience.
In one embodiment, as shown in figure 4, the system further include: material auditing module 308, in which:
Material auditing module 308, for receiving when including the application material of user's assets information of user's submission,
Whether complete audit application material；When application material is complete, then application material is submitted to data to connection module；When application material
When expecting imperfect, then prompt information is exported, to prompt user to submit the part application material of missing.
For example, if the essential informations such as address name, gender, age, educational background, address and year (or moon) income are necessary
Application material, the house property information and information of vehicles of user are nonessential application material.Lack when in the application material of upload
When user takes in this some materials, then the material for needing that user is submitted to take in can carry out subsequent examination & approval step.When upload
When lacking house property information or this some materials of information of vehicles in application material, it may not be necessary to which user uploads house property information and vehicle
Information directly carries out subsequent examination & approval step.
In one embodiment, which is also used to: including user's money receive user's submission
When producing the application material of information, default blacklist is obtained；Determine whether user is recording according to the user identifier in application material
In default blacklist；If so, refusal, which executes, audits the whether complete step of the application material；If it is not, then executing audit Shen
It please the whether complete step of material.
Wherein, it presets blacklist and the user for comparing serious problems occurs for recording reference, such as user is borrowing or lending money
In the process, there is malice and be in arrears with loan money, or malice is in arrears with the fund etc. of other users.For having note in default blacklist
The user of record will not be allowed to carry out corresponding resource services to obtain corresponding resource (such as loan fund).
In one embodiment, as shown in figure 4, the system further include: process configuration module 310, in which:
Process configuration module 310, for determining service node logical relation and circulation during resource services are handled
Relationship；Service node approval process is generated according to service node logical relation and circulation relationship, to examine according to service node
The examination & approval of process progress corresponding service node.
For example, the setting procedure configuration module 310 in loan approval system, process configuration module 310 can determine loan
The front and back logical relation and circulation relationship of permit business, it is complete according to service node logical relation and circulation relationship generation one
Service node approval process, so that business approval module 304 carries out examining for corresponding service node according to service node approval process
Batch.
In one embodiment, as shown in figure 4, the system further include: data protocol module 312 and communication module 314,
In:
Data protocol module 312, for configuring personalized field, when approval results indicate that user does not pass through audit,
Personalized text is added according to the requirement of personalized field in approval results；
Communication module 314 reserves communications account for the approval results for being added with personalized text to be sent to user.
For example, data protocol module 312 defines personalized field, to meet the scalability of different business.Generally, many
Mechanism will not send specific Reason For Denial and suggestion to user, for the resource approval system of this programme, when approval results are
When not meeting approval requirements and refusing debt-credit, business approval module 304 is according to the personalized word of definition in data protocol module 312
Section obtains the reason of refusal is provided a loan and proposes the suggestion for meeting borrowing needs；Communication module 314 sends refusal loan to user
The reason of and meet the suggestions of borrowing needs.
In above-described embodiment, access side of the data to the database for being configured with corresponding bottom data storage system in connection module
Formula accesses the database of bottom data storage system according to the access mode of configuration, is adapted to when receiving application material
Various types of databases are to solve the problems, such as reading and writing data.Business approval module is according to examination & approval rule to user's reference of acquisition
The application material that information and user submit is examined, and is avoided more than the application material information provided by user and is caused to examine
The problem of low efficiency, improves examination & approval efficiency.In addition, review module is after the completion of business approval module is examined, according to just concluding
Key message gives review people's audit in fruit and application material, obtains final approval results, and review people only need to be according to application material
Key message and first trial result are checked in material, do not need to expend considerable time and effort, and can be realized review, are conducive to
Improve the accuracy of examination & approval.
As an example, as shown in figure 5, including data to connection module, business approval module, symbol with resource approval system
For molding block and data protocol module, resource approval system is illustrated:
Data dispose multimachine structure connection module, since each mechanism may use different Database Systems to carry out
Storage, therefore data incompatibility problem after deployment can be generated in actual deployment.
In order to solve this problem, data are introduced in resource approval system and docks module, to standardized examination & approval step, process
Data and personalized bottom data storage system are docked.For using the bottom data storage system of disparate databases,
It needs in advance for a set of access mode of each custom database.In this way, practical application constantly, i.e., the available data pre-defined
Library access mode accesses database.
Data provide business approval module unified data access layer to connection module, shield disparate databases
Difference.Meanwhile business approval module and bottom data storage system have accomplished decoupling, are obtained by the customization of data protocol opposite
Unified data mode.
Business approval module contains basic approval process and examination & approval step, provides basic permit business and support.It presses
The application material submitted according to examination & approval rule to user's reference information and user scores, and obtains first trial result according to scoring.It examines
Corresponding approval process data can be generated in batch list, record the operation rail of the examination & approval track and business personnel of each business
Mark.
Review module will carry first trial result and application after business approval module carries out examination & approval acquisition first trial result
The review request of key message is sent to the review number of acknowledging a debt in material, to be checked according to first trial result and key message.
Process configuration module, is processing unit most basic in entire approval process, and a complete operation flow needs
Multiple step cooperations are completed.Service node approval process can be defined in business approval module, by pre-defining
Step node by combination, determine service node logical relation and circulation relationship during resource services are handled, finally
Form complete service node approval process.
Data protocol module, in addition to the data field of uniform service function, also can define individual character when customizing data protocol
Change field, to meet the scalability of different business.The data of customization are existing for newly-increased data in bottom data storage system
Table, data field, in data interaction agreement, these newly-increased tables, field can be classified original classification or newly-built data
Classification.Self-defining data is generally corresponded in process configuration and is used in customized flow nodes.By criteria field and make by oneself
The field of justice combines, this scheme can adapt to the deployment of multimachine structure, realize the independent operating of system.
Specific about resource approval system limits the restriction that may refer to above for resource approval method, herein not
It repeats again.Modules in above-mentioned resource approval system can be realized fully or partially through software, hardware and combinations thereof.On
Stating each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also store in a software form
In memory in computer equipment, the corresponding operation of the above modules is executed in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 6.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 data such as application material, user's reference information.The network interface of the computer equipment is used for
It is communicated with external terminal by network connection.To realize a kind of resource approval side when the computer program is executed by processor
Method.
It will be understood by those skilled in the art that structure shown in Fig. 6, 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, it includes user which, which performs the steps of when executing computer program receive user's submission,
When the application material of assets information, the database of bottom data storage system is accessed according to the access mode of configuration, from database
It is middle to obtain saved examination & approval rule and user's reference information；The Shen that user's reference information and user are submitted according to examination & approval rule
Please material score, according to scoring obtain first trial result；After obtaining first trial result, first trial result and application material will be carried
The review request of key message is sent to the review number of acknowledging a debt in material, to be checked according to first trial result and key message；When
When receiving review information, approval results are determined according to review information.
In one embodiment, it is also performed the steps of when processor executes computer program and is receiving user's submission
When including the application material of user's assets information, audit application material it is whether complete；When application material is complete, then by Shen
Please material be submitted to data to connection module；When application material is imperfect, then prompt information is exported, is lacked to prompt user to submit
The part application material of mistake.
In one embodiment, it is also performed the steps of when processor executes computer program and is receiving user's submission
When including the application material of user's assets information, obtain default blacklist；It is determined according to the user identifier in application material
Whether user is being recorded in default blacklist；If so, refusal, which executes, audits the whether complete step of the application material；If
It is no, then execute the whether complete step of audit application material.
In one embodiment, it also performs the steps of when processor executes computer program and is deposited for different bottom datas
The database of storage system configures corresponding access mode, so that resource approval system passes through the access mode configured realization and bottom
The docking of data-storage system obtains corresponding data from the database of bottom data storage system.
In one embodiment, it is also performed the steps of when processor executes computer program and is receiving user's submission
When including the application material of user's assets information, obtain user's from database according to user's name and ID card information
Common reserve fund information；Determine that the income of user, common reserve fund pay time, surplus account remaining sum and user according to common reserve fund information
The Enterprise Integrated of place enterprise is graded, and pays the time, more than surplus account to the income of user, common reserve fund according to examination & approval rule
Volume and Enterprise Integrated score, and determine the accrediting amount of user.
In one embodiment, determination is also performed the steps of when processor executes computer program to do in resource services
Service node logical relation and circulation relationship during reason；Business section is generated according to service node logical relation and circulation relationship
Point approval process, to carry out the examination & approval of corresponding service node according to service node approval process.
In one embodiment, configuration personalized field is also performed the steps of when processor executes computer program, when
When approval results indicate that user does not pass through audit, personalized text is added according to the requirement of personalized field in approval results；
Approval results added with personalized text are sent to user and reserve communications account.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performed the steps of when being executed by processor receive user submission include user's assets information application material
When material, the database of bottom data storage system is accessed according to the access mode of configuration, what acquisition was saved from database examines
Criticize rule and user's reference information；It scores according to the application material that examination & approval rule submits user's reference information and user,
First trial result is obtained according to scoring；After obtaining first trial result, key message in first trial result and application material will be carried
Review request is sent to the review number of acknowledging a debt, to be checked according to first trial result and key message；When receiving review information
When, approval results are determined according to review information.
In one embodiment, it also performs the steps of when computer program is executed by processor and mentions receiving user
Whether when including the application material of user's assets information of friendship, audit application material are complete；When application material is complete, then will
Application material is submitted to data to connection module；When application material is imperfect, then prompt information is exported, to prompt user to submit
The part application material of missing.
In one embodiment, it also performs the steps of when computer program is executed by processor and mentions receiving user
When including the application material of user's assets information of friendship obtains default blacklist；It is true according to the user identifier in application material
Determine whether user is being recorded in default blacklist；If so, refusal, which executes, audits the whether complete step of the application material；If
It is no, then execute the whether complete step of audit application material.
In one embodiment, it is also performed the steps of when computer program is executed by processor as different bottom datas
The database of storage system configures corresponding access mode, so that resource approval system passes through the access mode configured realization and bottom
The docking of layer data storage system obtains corresponding data from the database of bottom data storage system.
In one embodiment, it also performs the steps of when computer program is executed by processor and mentions receiving user
When including the application material of user's assets information of friendship, obtains user according to user's name and ID card information from database
Common reserve fund information；Determine that the income of user, common reserve fund pay time, surplus account remaining sum and use according to common reserve fund information
The Enterprise Integrated grading of enterprise where family pays time, surplus account to the income of user, common reserve fund according to examination & approval rule
Remaining sum and Enterprise Integrated score, and determine the accrediting amount of user.
In one embodiment, it also performs the steps of and is determined in resource services when computer program is executed by processor
Service node logical relation and circulation relationship during handling；Business is generated according to service node logical relation and circulation relationship
Node approval process, to carry out the examination & approval of corresponding service node according to service node approval process.
In one embodiment, configuration personalized field is also performed the steps of when computer program is executed by processor,
When approval results indicate that user does not pass through audit, according to the personalized text of requirement addition of personalized field in approval results
This；Approval results added with personalized text are sent to user and reserve communications account.
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, the description thereof is more specific and detailed, 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 resource approval method, which is characterized in that the described method includes:
When including the application material of user's assets information of user's submission is being received, bottom is accessed according to the access mode of configuration
The database of layer data storage system obtains saved examination & approval rule and user's reference information from the database；
It scores according to the application material that the examination & approval rule submits user's reference information and user, is obtained just according to scoring
It concludes fruit；
After obtaining the first trial result, the review for carrying key message in the first trial result and the application material is asked
It asks and is sent to the review number of acknowledging a debt, to be checked according to the first trial result and the key message；Believe when receiving review
When breath, approval results are determined according to the review information.
2. the method according to claim 1, wherein the method also includes:
When including the application material of user's assets information of user's submission is being received, whether complete is auditing the application material
It is whole；
When the application material is complete, then the application material is submitted to the data to connection module；
When the application material is imperfect, then prompt information is exported, to prompt user to submit the part application material of missing.
3. according to the method described in claim 2, it is characterized in that, the method also includes:
When including the application material of user's assets information of user's submission is being received, default blacklist is obtained；
Determine whether user is being recorded in the default blacklist according to the user identifier in the application material；
If so, refusal executes the whether complete step of the audit application material；
If it is not, then executing the whether complete step of the audit application material.
4. the method according to claim 1, wherein the method also includes:
Corresponding access mode is configured for the database of different bottom data storage systems, is configured so that resource approval system passes through
Access mode realize and docked with bottom data storage system, from the database of the bottom data storage system obtain phase
The data answered.
5. the method according to claim 1, wherein the method also includes:
When including the application material of user's assets information of user's submission is being received, according to user's name and ID card information
The common reserve fund information of user is obtained from database；
Determine that the income of user, common reserve fund pay time, surplus account remaining sum and user institute according to the common reserve fund information
It grades in the Enterprise Integrated of enterprise, time, surplus account is paid to the income of user, common reserve fund according to the examination & approval rule
Remaining sum and Enterprise Integrated score, and determine the accrediting amount of user.
6. method according to any one of claims 1 to 5, which is characterized in that the method also includes:
Determine the service node logical relation and circulation relationship during resource services are handled；According to the service node logic
Relationship and circulation relationship generate service node approval process, to carry out corresponding service section according to the service node approval process
The examination & approval of point.
7. method according to any one of claims 1 to 5, which is characterized in that the method also includes:
Personalized field is configured, when the approval results indicate that user does not pass through audit, according to described in approval results
Property field requirement add personalized text；
Approval results added with personalized text are sent to user and reserve communications account.
8. a kind of resource approval system, which is characterized in that the system comprises:
Data are to connection module, for receiving when including the application material of user's assets information of user's submission, according to matching
The database for the access mode access bottom data storage system set, obtain from the database saved examination & approval rule and
User's reference information；
Business approval module, the application material for submitting according to the examination & approval rule to user's reference information and user are commented
Point, first trial result is obtained according to scoring；
Review module, for that will carry and be closed in the first trial result and the application material after obtaining the first trial result
The review request of key information is sent to the review number of acknowledging a debt, to be checked according to the first trial result and the key message；
When receiving review information, approval results are determined according to the review information.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the processor realizes the described in any item resource approval methods of the claims 1-7 when executing the computer program
The step of.
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 the claims 1-7 described in any item resource approval methods are realized when being executed by processor.
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| CN111275393A (en) * | 2020-01-13 | 2020-06-12 | 科大讯飞股份有限公司 | Government affair approval method, government affair approval system and electronic equipment |
| CN111369163A (en) * | 2020-03-16 | 2020-07-03 | 阳光保险集团股份有限公司 | Resource use application processing method and device |
| CN112070451A (en) * | 2020-07-15 | 2020-12-11 | 速聚(福建)科技有限公司 | Intelligent approval method and platform |
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