CN109829811A - Loan method and loan device - Google Patents
Loan method and loan device Download PDFInfo
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- CN109829811A CN109829811A CN201811535160.0A CN201811535160A CN109829811A CN 109829811 A CN109829811 A CN 109829811A CN 201811535160 A CN201811535160 A CN 201811535160A CN 109829811 A CN109829811 A CN 109829811A
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Abstract
This application provides a kind of loan methods and loan device, this method comprises: loan customer end obtains the loan application information of user, which includes the amount of the loan of the user and the identity information of the user；The loan customer end sends the loan application information to loan component by API；The loan customer end receives the loan application of loan component transmission as a result, the loan application result includes at least one in loan approval results, loan signing result and post-loan management result by the API；The loan customer end exports the loan application result to the user.Using loan method provided by the present application and loan device, the technical effect for not increasing the size of application package can be reached.
Description
In technical field
This application involves computer fields, and more particularly, to method and the loan device of providing a loan in computer field.
Background technique
As loan product and loan transaction are in the widely available of financial field, more and more users' selection passes through loan
Platform handles loan transaction.In existing loan method, user usually passes through loan application program (application, APP)
(or loan customer end) is linked to loan platform (or loan component), and carries out loan operation on loan platform.
However, since existing loan platform is often with Software Development Kit (software development
Kit, SDK) plug-in unit form be encapsulated in loan application program (i.e. host side) in, therefore, increase the big of application package
It is small.
Summary of the invention
The application provides a kind of loan method and device of providing a loan, and can reach the technology for not increasing the size of application package
Effect.
To achieve the above object, the application provides a kind of loan method, including the following contents:
Loan customer end obtains the loan application information of user, and the loan application information includes the loan gold of the user
Volume and the identity information of the user；
The loan customer end sends the loan application information to loan component by API；
The loan customer end receives the loan application of the loan component transmission as a result, the loan by the API
Application result includes at least one in loan approval results, loan signing result and post-loan management result；
The loan customer end exports the loan application result to the user.
In one possible implementation, the loan customer end obtains the loan application information of user, comprising: described
Loan customer end obtains the loan application information of user's input.
In one possible implementation, the loan application information further includes risk information, and the risk information is used
Carry out whether loan operation has risk by the loan customer end in the expression user, the method also includes: it is described
The facility information of terminal where loan customer end obtains, the facility information includes the brand and model of the terminal；The loan
Facility information and the related information that prestores of the money client according to the terminal, determine the risk information, the related information
At least one owner including the terminal authentication, at least one described owner include the user；The loan customer end is logical
It crosses the API and sends the risk information to the loan component.
That is, the loan customer end in advance can be by the identity information of the facility information of the terminal and at least one owner
It is bound, that is, defaulting at least one owner has the permission that loan operation is carried out using the loan customer end, other users
Risk may be had by carrying out loan operation by the loan customer end.
So, if other users carry out loan operation using the terminal, which finds other use
The identity information at family is not in the related information, so that it may determine that other users are not the owners of the terminal, pass through the loan
Client, which carries out loan operation, may have risk, therefore, risk information can be sent to the loan component, which indicates
Other users, which carry out loan operation by the loan customer end, has certain risk.
In one possible implementation, the loan approval results include the user whether meet loan qualification and
The loan limit of the user；Loan signing result includes whether the user and loan provider complete loan agreement signing；
Post-loan management result includes that the loan provides the repayment schedule formulated of user described in direction.
In one possible implementation, the loan application result includes that the loan provides user's system described in direction
Fixed repayment schedule, the repayment schedule include time and the repayment amount of refunding, the method also includes: the loan customer end
In the repayment schedule described in user reminding described in the forward direction of time of refunding.
To achieve the above object, the application provides another loan method, including the following contents:
Component of providing a loan receives the loan application information for the user that loan customer end is sent, the loan application letter by API
Breath includes the amount of the loan of the user and the identity information of the user；
The loan component determines loan application as a result, the loan application knot includes according to the loan application information
At least one of in approval results, loan signing result and the post-loan management result of providing a loan；
The loan component sends the loan application result to the loan customer end by the API.
In one possible implementation, the loan approval results include the user whether meet loan qualification and
The loan limit of the user；Loan signing result includes whether the user and loan provider complete loan agreement signing；
Post-loan management result includes that the loan provides the repayment schedule formulated of user described in direction.
In one possible implementation, the loan application information further includes risk information, and the risk information is used
It whether operates in indicating that the user provide a loan by the loan customer end with risk.
So, if other users carry out loan operation using the terminal, the risk which receives is believed
Breath can indicate that other users carry out loan operation by the loan customer end and have risk, therefore, when carrying out loan examination & approval,
It can consider the risk information.
To achieve the above object, the application provides a kind of loan device, which specifically includes:
Acquiring unit, for obtaining the loan application information of user, the loan application information includes the loan of the user
The money amount of money and the identity information of the user；
First transmission unit, for sending the loan application that the acquiring unit obtains to loan component by API
Information；
First receiving unit, for receiving the loan application of the loan component transmission by the API as a result, the loan
Money application result includes at least one in loan approval results, loan signing result and post-loan management result；
Output unit, for exporting the received loan application result of the first receiving unit to the user.
In one possible implementation, the acquiring unit is specifically used for obtaining the loan of user's input
Application information.
In one possible implementation, the loan application information further includes risk information, and the risk information is used
In indicating the user provide a loan by the loan customer end operate whether have risk, described device further includes determining single
Member；The acquiring unit be also used to obtain where terminal facility information, the facility information include the terminal brand and
Model；The related information that the determination unit is used for the facility information according to the terminal and prestores, determines the risk information,
The related information includes at least one owner of the terminal authentication, at least one described owner includes the user；It is described
First transmission unit is used to send the risk information to the loan component by the API.
That is, the loan customer end in advance can be by the identity information of the facility information of the terminal and at least one owner
It is bound, that is, defaulting at least one owner has the permission that loan operation is carried out using the loan customer end, other users
Risk may be had by carrying out loan operation by the loan customer end.
So, if other users carry out loan operation using the terminal, which finds other use
The identity information at family is not in the related information, so that it may determine that other users are not the owners of the terminal, pass through the loan
Client, which carries out loan operation, may have risk, therefore, risk information can be sent to the loan component, which indicates
Other users, which carry out loan operation by the loan customer end, has certain risk.
In one possible implementation, the loan approval results include the user whether meet loan qualification and
The loan limit of the user；Loan signing result includes whether the user and loan provider complete loan agreement signing；
Post-loan management result includes that the loan provides the repayment schedule formulated of user described in direction.
In one possible implementation, the loan application result includes that the loan provides user's system described in direction
Fixed repayment schedule, the repayment schedule include refund time and repayment amount, and described device further includes reminding unit, described to mention
Unit of waking up is used in the repayment schedule described in user reminding described in the forward direction of time of refunding.
To achieve the above object, the application provides another loan device, which specifically includes:
Second receiving unit, for receiving the loan application information for the user that loan customer end is sent, the loan by API
Money application information includes the amount of the loan of the user and the identity information of the user；
Determination unit, for determining loan according to the received loan application information of second receiving unit
Application result, the loan application knot include at least one in loan approval results, loan signing result and post-loan management result
?；
Second transmission unit, for sending the institute that the determination unit determines to the loan customer end by the API
State loan application result.
In one possible implementation, the loan approval results include the user whether meet loan qualification and
The loan limit of the user；Loan signing result includes whether the user and loan provider complete loan agreement signing；
Post-loan management result includes that the loan provides the repayment schedule formulated of user described in direction.
In one possible implementation, the loan application information further includes risk information, and the risk information is used
It whether operates in indicating that the user provide a loan by the loan customer end with risk.
To achieve the above object, the application also provides a kind of computer equipment, including memory, processor, communication interface
And it is stored in the computer program that can be run on the memory and on the processor, wherein the memory, described
It is communicated with each other between processor and the communication interface by internal connecting path, the processor executes the computer journey
The following steps of the above method are realized when sequence:
Obtain the loan application information of user, the loan application information includes the amount of the loan of the user and described
The identity information of user；
The loan application information is sent to loan component by API；
The loan application of the loan component transmission is received as a result, the loan application result includes borrowing by the API
At least one of in money approval results, loan signing result and post-loan management result；
The loan application result is exported to the user.
To achieve the above object, the application provides another computer equipment, including memory, processor, communication interface
And it is stored in the computer program that can be run on the memory and on the processor, wherein the memory, described
It is communicated with each other between processor and the communication interface by internal connecting path, the processor executes the computer journey
The following steps of the above method are realized when sequence:
The loan application information for the user that loan customer end is sent is received by API, the loan application information includes institute
State the amount of the loan of user and the identity information of the user；
According to the loan application information, determine loan application as a result, the loan application knot include loan approval results,
At least one of in loan signing result and post-loan management result；
The loan application result is sent to the loan customer end by the API.
To achieve the above object, the application provides a kind of computer readable storage medium, is stored thereon with computer program,
The following steps of the above method are realized when the computer program is executed by processor:
Obtain the loan application information of user, the loan application information includes the amount of the loan of the user and described
The identity information of user；
The loan application information is sent to loan component by API；
The loan application of the loan component transmission is received as a result, the loan application result includes borrowing by the API
At least one of in money approval results, loan signing result and post-loan management result；
The loan application result is exported to the user.
To achieve the above object, the application provides another computer readable storage medium, is stored thereon with computer journey
Sequence realizes the following steps of the above method when computer program is executed by processor:
The loan application information for the user that loan customer end is sent is received by API, the loan application information includes institute
State the amount of the loan of user and the identity information of the user；
According to the loan application information, determine loan application as a result, the loan application knot include loan approval results,
At least one of in loan signing result and post-loan management result；
The loan application result is sent to the loan customer end by the API.
In loan method provided by the present application, loan device, computer equipment and computer readable storage medium, loan visitor
Family end obtains loan application information, and sends the loan application information to loan component by API.Correspondingly, the loan component
Receive the loan application information by API, and according to the loan application information, determine loan application as a result, and by API to this
Loan customer end sends the loan application result.Finally, the loan customer end exports the loan application result to user.
That is, loan component is encapsulated in loan customer end in the form of SDK plug-in unit in compared with the prior art, this
Loan component is separated from loan customer end in application embodiment, loan customer end and loan component are realized by API
Between connection, the technical effect for not increasing the size of application package can be reached.
In addition, cured loan process, loan customer in the embodiment of the present application in loan component in compared with the prior art
End can design the page according to user demand, to obtain loan application information, and the loan application information is sent to by API
Component of providing a loan carries out follow-up process, and flexibility is stronger.In addition, the loan application information that the loan customer end can also will acquire
It is sent to the interaction flow that other components carry out other business, flexibility is stronger.
Detailed description of the invention
Fig. 1 is the schematic flow chart of loan method provided by the embodiments of the present application；
Fig. 2 is the schematic flow chart of another loan method provided by the embodiments of the present application；
Fig. 3 is the schematic flow chart of another loan method provided by the embodiments of the present application；
Fig. 4 is the schematic block diagram of loan device provided by the embodiments of the present application；
Fig. 5 is another loan device schematic block diagram provided by the embodiments of the present application；
Fig. 6 is another loan device schematic block diagram provided by the embodiments of the present application；
Fig. 7 is another loan device schematic block diagram provided by the embodiments of the present application.
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 to explain the application, not
For limiting the application.Based on the embodiment in the application, those of ordinary skill in the art are not before making creative work
Every other embodiment obtained is put, shall fall in the protection scope of this application.
Fig. 1 shows the schematic flow chart of loan method 100 provided by the embodiments of the present application.It should be understood that this method 100
It can be executed by loan customer end.
S110, loan customer end obtain the loan application information of user, which includes the loan of the user
The amount of money and the identity information of the user.
It should be noted that loan customer end described in the embodiment of the present application can be it is any a in mobile phone or other
User can be supported to carry out the application program of loan operation used in terminal device.For example, the loan customer end can be branch
Treasured APP is paid, wechat APP etc. is also possible to.
Optionally, in S110, which can obtain the loan application information of the user in several ways,
The embodiment of the present application is not construed as limiting this.
In one possible implementation, the loan application letter of the available user input in the loan customer end
Breath.
Specifically, which can show to user according to the interface style of oneself and fill in loan application
The interface of information.User fills on the surface according to the actual conditions of oneself.Correspondingly, which, which obtains, is somebody's turn to do
The loan application information of user's input.
For example, the interface includes amount of the loan option and the identity information option of user, the loan customer end is available
The amount of the loan and identity information of user's input.
Optionally, which can also include repayment schedule, which may include the refund time, goes back
The money amount of money and mode of repayment.Wherein, mode of repayment can be the modes such as equal capital or equal principal.
In another example the interface includes repayment schedule option and identity information option, the available user in the loan customer end
The repayment schedule and identity information of input；And according to the repayment schedule, the amount of the loan is determined.
Optionally, the identity information of the user may include name, identification card number, the age, work unit, educational background, reference,
The information such as certificate photo.
Optionally, the loan application information can also include risk information in S110, and the risk information is for indicating the use
Family carries out whether loan operation has risk, this method further include: the loan customer end obtains the loan by the loan customer end
The facility information of terminal where money client, which includes the brand and model of the terminal；The loan customer end according to
The end message of the terminal and the related information prestored, determine the risk information, the related information include the terminal authentication extremely
The identity information of a few owner, which includes the user；The loan customer end is sent to the loan component should
Risk information.
That is, the loan customer end in advance can be by the identity information of the facility information of the terminal and at least one owner
It is bound, that is, defaulting at least one owner has the permission that loan operation is carried out using the loan customer end, other users
Risk may be had by carrying out loan operation by the loan customer end.
So, if other users carry out loan operation using the terminal, which finds other use
The identity information at family is not in the related information, so that it may determine that other users are not the owners of the terminal, pass through the loan
Client, which carries out loan operation, may have risk, therefore, risk information can be sent to the loan component, which indicates
Other users, which carry out loan operation by the loan customer end, has certain risk.
For example, the family of automobile can support user to carry out loan operation, the application program in family's application program of automobile
Log in situation according to history, the related information of terminal where having prestored the family of the automobile, that is, have permission family using the automobile into
The people of row loan operation.At this point, when user wants to carry out loan operation in the family of automobile, the available user of the application program
Facility information when operating of identity information, the amount of the loan and the user, and by the identity information of the user be associated with
People in information is compared.If the people in association letter includes the user, which indicates that the user has and passes through
The application program carries out the qualification of loan operation；If the people in related information does not include the user, risk information instruction
The user, which carries out loan operation by the application program, has risk.
S120, the loan customer end send the loan application information to loan component by API.
It should be noted that loan component described in the embodiment of the present application can be it is major melted mechanism or its
The component of his loan transaction provider.For example, the loan component can be safety Pu Hui loan component, it is also possible to China Merchants Bank
Loan component etc..
Optionally, before S120, which can call recognition of face SDK component to carry out people to loan user
Face identification certification.Correspondingly, in S120, after the recognition of face authenticates successfully, which passes through application program
Programming interface API sends the loan application information to the loan component.
Optionally, before S120, which needs to be pre-configured with api interface in R&D process, which connects
Mouth can establish the connection between the loan customer end and the loan component.That is, the loan customer end is connect by the API
Mouth can call the loan component, and carry out information exchange by the api interface and the loan component.
For example, writing the code that can call the loan component by the api interface in the code at the loan customer end
Section.
Specifically, in S120, loan customer end can be completed by API Calls loan component by loan component
Any one of loan examination & approval, loan signing and the post-loan management of loan user business.
Loan method provided by the embodiments of the present application, loan customer end are to be connect by API structure with loan component, will not
The size of loan customer end client application packet is occupied, therefore can achieve the technology for not increasing client application packet
Effect.
S130, the loan customer end receive the loan application of loan component transmission as a result, the loan application by the API
It as a result include at least one in loan approval results, loan signing result and post-loan management result.
S140, the loan customer end export the loan application result to the user.
Optionally, which includes the loan limit whether user meets loan qualification and the user；It borrows
Money signing result includes whether the user and loan provider complete loan agreement signing；Post-loan management result includes that the loan mentions
The repayment schedule formulated for the direction user.
In one possible implementation, the loan application result in S130 includes loan approval results, and the loan
Loan qualification examination in approval results passes through.Correspondingly, in S140, which can send the loan to user
Approval results.Later, user can carry out operation of providing a loan in next step, for example, loan signing.
Similarly, the loan application result in S130 includes loan signing as a result, and the loan in loan signing result
Contract is completed to sign.Correspondingly, in S140, which can send loan signing result to user.Later, it uses
Family can carry out operation of providing a loan in next step, for example, post-loan management.
In other words, after user completes loan signing on loan component, loan component can be sent to loan customer end
User completes the information of loan signing.At this point, user can continue to complete handling for subsequent loan transaction in loan component,
It can be exited from loan component, terminate and/or stop handling for follow-up business.When user stop after handling of follow-up business,
When wanting to reenter loan component progress business handling, loan customer end can contract the loan of transacting business before user
Information is sent to loan component, and loan component directly can carry out handling for subsequent loan transaction with user.
In alternatively possible implementation, which includes that loan offer direction user formulates
Repayment schedule, and the repayment schedule includes refund time and repayment amount.Correspondingly, in S140, which can be with
The repayment schedule is sent to user.
Loan method provided by the embodiments of the present application, loan customer end can with the loan interaction flow of flexible configuration user,
I.e. loan customer end can the reasonable disposition loan customer end according to the demand of user service and third party's service.
It, can only be according to service side both when user's utilization of a loan SDK plug-in package carries out loan operation in compared with the prior art
Fixed process carries out.And in the application, user is during carrying out loan application on loan customer end, at the loan customer end
It after the loan application information for collecting user, can choose into examination & approval loan link, also can choose and see loan explanation, or
Person's selection goes to check other loan products.That is, loan customer end can be according to the actual demand Selection and call of user not
It is that user services with API, flexibility is stronger.
In addition, this method further include: the loan customer end can be mentioned before the cut-off time of the refund time to the user
It wakes up the refund time and/or repayment amount.
For example, the repayment schedule in loan application result is that user repays the loan 1000 yuan at monthly No. 1, the loan customer
End can show the repayment schedule to user by display interface, and No. 1 some time point reminds to user's transmission in every month
Message, the reminder message include refund time and/repayment amount.
Optionally, in S140, the loan customer end can export the loan application to the user in several ways as a result,
The embodiment of the present application is not construed as limiting this.
In one possible implementation, which can show the loan application to the user by interface
As a result.
In alternatively possible implementation, which can send the loan Shen to the user by mail
It please result.
Fig. 2 shows the schematic flow charts of loan method 200 provided by the embodiments of the present application.It should be understood that this method 200
It can be executed by loan component.
S210, loan component receive the loan application information for the user that loan customer end is sent, the loan application by API
Information includes the amount of the loan of the user and the identity information of the user.
Optionally, before S210, which needs to be pre-configured with api interface in R&D process, the api interface
Establish the connection between the loan component and the loan customer end.That is, the loan customer end can by the api interface
The loan component is called, and information exchange is carried out by the api interface and the loan component.
For example, writing the code that can call the loan customer end by the api interface in the code of the loan component
Section.
It should be noted that loan component described in the embodiment of the present application can be it is major melted mechanism or its
The component of his loan transaction provider.For example, the loan component can be safety Pu Hui loan component, it is also possible to China Merchants Bank
Loan component etc..
It should also be noted that, loan customer end described in the embodiment of the present application can be it is any it is a mobile phone or its
User can be supported to carry out the application program of loan operation used in its terminal device.For example, the loan customer end can be
Alipay APP is also possible to wechat APP etc..
S220, the loan component determine loan application as a result, the loan application knot includes borrowing according to the loan application information
At least one of in money approval results, loan signing result and post-loan management result.
Specifically, which it is careful can to complete loan according to the loan application information and preset rules and the user
It criticizes, at least one business in loan signing and post-loan management.
It should be noted that the business such as above-mentioned preset rules and user's completion loan examination & approval are same as the prior art, here
Preset rules can be the rule that bank independently sets.For example, bank can comprehensively consider reference record, the credit card of user
The rule formulated with card situation, promise breaking record, fixed assets situation etc. is that user carries out loan examination & approval.The rule of loan signing
It may include electronic signature program, guarantee procedure for concluding a contract etc..Post-loan management rule may include the periodically refund to loan user
It reminds, refund and press for payment of etc..
Optionally, the loan application information further includes risk information, and the risk information is for indicating that the user is logical
It crosses the loan customer end and carries out whether loan operation has risk.
So, if other users carry out loan operation using the terminal, the risk which receives is believed
Breath can indicate that other users carry out loan operation by the loan customer end and have risk, therefore, when carrying out loan examination & approval,
It can consider the risk information.
S230, the loan component send the loan application result to the loan customer end by the API.
Fig. 3 shows the schematic flow chart of the loan system 300 of the embodiment of the present application body.It should be understood that this method 300
It can be applied to loan system, which includes loan customer end and loan component.
It should be noted that loan customer end described in the embodiment of the present application can be understood as.
It should also be noted that, loan component described in the embodiment of the present application can be understood as.
S310, loan customer end obtain the loan application information of user, and the loan application information includes the user
The amount of the loan of identity information and the user.
S320, the loan customer end send the loan application information to loan component by API；Correspondingly, the loan group
Part receives the loan application information by the API.
Optionally, it before S310, is needed in R&D process in advance for the loan component and loan customer end difference
Provisioning API interface, the api interface establish the connection between the loan component and the loan customer end.That is, the loan is objective
Family end can call the loan component by the api interface, and carry out information exchange by the api interface and the loan component.
For example, writing the code that can call the loan customer end by the api interface in the code of the loan component
Section, and the code segment that the loan component can be called by the api interface is write in the code at the loan customer end.
S330, the loan component determine the loan application of the user as a result, the loan Shen according to the loan application information
Please result include provide a loan approval results, loan signing result and post-loan management result at least one of.
It should be noted that the specific implementation of S330 is similar with S220, to avoid repeating, details are not described herein again.
S340, the loan component send the loan application result to the loan customer end by API；Correspondingly, the loan
Client receives the loan application result of loan component transmission by the API.
S350, the loan customer end export the loan application result to the user.
It should be noted that the specific implementation of S350 is similar with S140, to avoid repeating, details are not described herein again.
Loan method provided by the embodiments of the present application is described above in conjunction with Fig. 1 to Fig. 3, is situated between below in conjunction with Fig. 4 to Fig. 7
Continue loan device provided by the embodiments of the present application.
Fig. 4 shows the schematic block diagram of loan device 400 provided by the embodiments of the present application.The device 400 for example can be with
For loan customer end described in above-mentioned Fig. 1 and Fig. 3, which includes:
Acquiring unit 410, for obtaining the loan application information of user, the loan application information includes the user
The identity information of the amount of the loan and the user；
First transmission unit 420, for sending the loan Shen that the acquiring unit obtains to loan component by API
It please information；
First receiving unit 430, for receiving the loan application of the loan component transmission by the API as a result, institute
Stating loan application result includes at least one in loan approval results, loan signing result and post-loan management result；
Output unit 440, for exporting the received loan application knot of the first receiving unit 430 to the user
Fruit.
Optionally, the acquiring unit is specifically used for obtaining the loan application information of user's input.
Optionally, the loan application information further includes risk information, and the risk information is for indicating that the user is logical
It crosses the loan customer end and carries out whether loan operation has risk, described device further includes determination unit；The acquiring unit
The facility information of terminal where being also used to obtain, the facility information includes the brand and model of the terminal；It is described determining single
The related information that member is used for the facility information according to the terminal and prestores, determines the risk information, the related information packet
At least one owner of the terminal authentication is included, at least one described owner includes the user；First transmission unit is used
The risk information is sent to the loan component in passing through the API.
That is, the loan customer end in advance can be by the identity information of the facility information of the terminal and at least one owner
It is bound, that is, defaulting at least one owner has the permission that loan operation is carried out using the loan customer end, other users
Risk may be had by carrying out loan operation by the loan customer end.
So, if other users carry out loan operation using the terminal, which finds other use
The identity information at family is not in the related information, so that it may determine that other users are not the owners of the terminal, pass through the loan
Client, which carries out loan operation, may have risk, therefore, risk information can be sent to the loan component, which indicates
Other users, which carry out loan operation by the loan customer end, has certain risk.
Optionally, the loan approval results include the loan value whether user meets loan qualification and the user
Degree；Loan signing result includes whether the user and loan provider complete loan agreement signing；Post-loan management result includes
The loan provides the repayment schedule formulated of user described in direction.
Optionally, the loan application result includes that the loan provides the repayment schedule formulated of user described in direction, institute
It further includes reminding unit that repayment schedule, which is stated, including refund time and repayment amount, described device, and the reminding unit is used in institute
State repayment schedule described in user reminding described in the forward direction of time of refunding.
Fig. 5 shows the schematic block diagram of loan device 500 provided by the embodiments of the present application.The device 500 for example can be with
For loan component described in above-mentioned Fig. 2 and Fig. 3, which includes:
Second receiving unit 510, for receiving the loan application information for the user that loan customer end is sent, institute by API
State the identity information of the amount of the loan and the user that loan application information includes the user；
Determination unit 520 is used for according to the received loan application information of second receiving unit 510, really
Loan application is determined as a result, the loan application knot includes in loan approval results, loan signing result and post-loan management result
At least one of；
Second transmission unit 530, for sending the determination unit 520 really to the loan customer end by the API
The fixed loan application result.
Optionally, the loan approval results include the loan value whether user meets loan qualification and the user
Degree；Loan signing result includes whether the user and loan provider complete loan agreement signing；Post-loan management result includes
The loan provides the repayment schedule formulated of user described in direction.
Optionally, the loan application information further includes risk information, and the risk information is for indicating that the user is logical
It crosses the loan customer end and carries out whether loan operation has risk.
Fig. 6 shows the schematic block diagram of loan device 600 provided by the embodiments of the present application.The device 600 can be Fig. 4
Described in device 400, which can use hardware structure as shown in FIG. 6.The device 600 may include processor
610, communication interface 620 and memory 630, the processor 610, communication interface 620 and memory 630 pass through internal connecting path
It communicates with each other.The correlation function that acquiring unit 410 in Fig. 4 is realized can realize by processor 610, the first transmission unit
420, the correlation function that the first receiving unit 430 and output unit 440 are realized can control communication interface by processor 610
620 realize.
The processor 610 may include be one or more processors, for example including one or more central processing unit
(central processing unit, CPU), in the case where processor is a CPU, which can be monokaryon CPU,
It can be multi-core CPU.
The communication interface 620 is for inputting and/or outputting data.The communication interface may include that transmission interface and reception connect
Mouthful, transmission interface is used for output data, and receiving interface is used for input data.
The memory 630 include but is not limited to be random access memory (random access memory, RAM), only
Read memory (read-only memory, ROM), erasable and programable memory (erasable programmable read
Only memory, EPROM), CD-ROM (compact disc read-only memory, CD-ROM), the memory 630
For storing dependent instruction and data.
Memory 630 is used to store the program code and data of the device, for individual device or can be integrated in processing
In device 610.
Specifically, the processor 610 is used to control communication interface 620 and calls the code command stored in memory 630
And execute the code command.For details, reference can be made to the descriptions in embodiment of the method, and details are not described herein.
It is designed it is understood that Fig. 6 illustrate only simplifying for device.In practical applications, which can be with
Necessary other elements are separately included, including but not limited to any number of communication interface, processor, controller, memory etc.,
And all devices that the application may be implemented are all within the scope of protection of this application.
In a kind of possible design, which may alternatively be chip apparatus, such as can be that can be used for the dress
Chip in setting, for realizing the correlation function of processor 610 in the device.The chip apparatus can be realization correlation function
Field programmable gate array, special integrated chip, System on Chip/SoC, central processing unit, network processing unit, Digital Signal Processing electricity
Road, microcontroller can also use programmable controller or other integrated chips.It optionally may include one in the chip
Or multiple memories, for storing program code, when the code is performed, so that processor realizes corresponding function.
Fig. 7 shows the schematic block diagram of loan device 700 provided by the embodiments of the present application.The device 700 can be Fig. 5
Described in device 500, which can use hardware structure as shown in Figure 7.The device 700 may include processor
710, communication interface 720 and memory 730, the processor 710, communication interface 720 and memory 730 pass through internal connecting path
It communicates with each other.The correlation function that determination unit 520 in Fig. 5 is realized can realize by processor 710, the second receiving unit
510 and second the correlation function realized of transmission unit 530 communication interface 720 can be controlled by processor 710 to realize.
The processor 710 may include be one or more processors, for example including one or more central processing unit
(central processing unit, CPU), in the case where processor is a CPU, which can be monokaryon CPU,
It can be multi-core CPU.
The communication interface 720 is for inputting and/or outputting data.The communication interface may include that transmission interface and reception connect
Mouthful, transmission interface is used for output data, and receiving interface is used for input data.
The memory 730 include but is not limited to be random access memory (random access memory, RAM), only
Read memory (read-only memory, ROM), erasable and programable memory (erasable programmable read
Only memory, EPROM), CD-ROM (compact disc read-only memory, CD-ROM), the memory 730
For storing dependent instruction and data.
Memory 730 is used to store the program code and data of the device, for individual device or can be integrated in processing
In device 710.
Specifically, the processor 710 is used to control communication interface 720 and calls the code command stored in memory 730
And execute the code command.For details, reference can be made to the descriptions in embodiment of the method, and details are not described herein.
It is designed it is understood that Fig. 7 illustrate only simplifying for device.In practical applications, which can be with
Necessary other elements are separately included, including but not limited to any number of communication interface, processor, controller, memory etc.,
And all devices that the application may be implemented are all within the scope of protection of this application.
In a kind of possible design, which may alternatively be chip apparatus, such as can be that can be used for the dress
Chip in setting, for realizing the correlation function of processor 710 in the device.The chip apparatus can be realization correlation function
Field programmable gate array, special integrated chip, System on Chip/SoC, central processing unit, network processing unit, Digital Signal Processing electricity
Road, microcontroller can also use programmable controller or other integrated chips.It optionally may include one in the chip
Or multiple memories, for storing program code, when the code is performed, so that processor realizes corresponding function.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
Scope of the present application.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed systems, devices and methods, it can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit
It closes or communicates to connect, can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.
It, can be with if the function is realized in the form of SFU software functional unit and when sold or used as an independent product
It is stored in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, server or network equipment etc.) execute each embodiment the method for the application all or part of the steps.
And storage medium above-mentioned includes: that USB flash disk, mobile hard disk, ROM, RAM, magnetic or disk etc. are various can store program code
Medium.
The above, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, it is any
Those familiar with the art within the technical scope of the present application, can easily think of the change or the replacement, and should all contain
Lid is within the scope of protection of this application.Therefore, the protection scope of the application should be based on the protection scope of the described claims.
Claims (10)
1. a kind of loan method characterized by comprising
Loan customer end obtains the loan application information of user, the loan application information include the amount of the loan of the user with
And the identity information of the user；
The loan customer end sends the loan application information to loan component by API；
The loan customer end receives the loan application of the loan component transmission as a result, the loan application by the API
It as a result include at least one in loan approval results, loan signing result and post-loan management result；
The loan customer end exports the loan application result to the user.
2. the method according to claim 1, wherein the loan customer end obtains the loan application letter of user
Breath, comprising:
The loan customer end obtains the loan application information of user's input.
3. described the method according to claim 1, wherein the loan application information further includes risk information
Risk information is for indicating that the user carries out whether loan operation has risk by the loan customer end, and the method is also
Include:
The facility information of terminal where the loan customer end obtains, the facility information includes the brand and type of the terminal
Number；
Facility information and the related information that prestores of the loan customer end according to the terminal, determine the risk information, institute
At least one owner that related information includes the terminal authentication is stated, at least one described owner includes the user；
The loan customer end sends the risk information to the loan component by the API.
4. according to the method in any one of claims 1 to 3, which is characterized in that
The loan approval results include the loan limit whether user meets loan qualification and the user；
Loan signing result includes whether the user and loan provider complete loan agreement signing；
Post-loan management result includes that the loan provides the repayment schedule formulated of user described in direction.
5. according to the method described in claim 4, it is characterized in that, the loan application result includes that the loan provides direction
The repayment schedule that the user formulates, the repayment schedule include time and the repayment amount of refunding, the method also includes:
The loan customer end is in the repayment schedule described in user reminding described in the forward direction of time of refunding.
6. a kind of loan method characterized by comprising
Component of providing a loan receives the loan application information for the user that loan customer end is sent, the loan application packet by API
Include the amount of the loan of the user and the identity information of the user；
The loan component determines loan application as a result, the loan application knot includes loan according to the loan application information
At least one of in approval results, loan signing result and post-loan management result；
The loan component sends the loan application result to the loan customer end by the API.
7. a kind of loan device characterized by comprising
Acquiring unit, for obtaining the loan application information of user, the loan application information includes the loan gold of the user
Volume and the identity information of the user；
First transmission unit, for sending the loan application information that the acquiring unit obtains to loan component by API；
First receiving unit, for receiving the loan application of the loan component transmission by the API as a result, the loan Shen
Please result include provide a loan approval results, loan signing result and post-loan management result at least one of；
Output unit, for exporting the received loan application result of the first receiving unit to the user.
8. a kind of loan device characterized by comprising
Second receiving unit, for receiving the loan application information for the user that loan customer end is sent, the loan Shen by API
Please information include the amount of the loan of the user and the identity information of the user；
Determination unit, for according to the received loan application information of second receiving unit, determine loan application as a result,
The loan application knot includes at least one in loan approval results, loan signing result and post-loan management result；
Second transmission unit, for sending the loan that the determination unit determines to the loan customer end by the API
Money application result.
9. a kind of computer equipment, including memory, processor, display and it is stored on the memory and can be described
The computer program run on processor, wherein pass through inside between the memory, the processor and the display
Connecting path communicates with each other, which is characterized in that the processor is controlled when the display executes the computer program and realized
The step of method described in any one of the claims 1 to 6.
10. a kind of computer readable storage medium, for storing computer program, which is characterized in that the computer program quilt
The step of method described in any one of the claims 1 to 6 is realized when processor executes.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811535160.0A CN109829811A (en) | 2018-12-14 | 2018-12-14 | Loan method and loan device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811535160.0A CN109829811A (en) | 2018-12-14 | 2018-12-14 | Loan method and loan device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109829811A true CN109829811A (en) | 2019-05-31 |
Family
ID=66858862
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811535160.0A Pending CN109829811A (en) | 2018-12-14 | 2018-12-14 | Loan method and loan device |
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| Country | Link |
|---|---|
| CN (1) | CN109829811A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110443694A (en) * | 2019-07-31 | 2019-11-12 | 中国工商银行股份有限公司 | Financing method and device on little Wei enterprise line |
| CN111667362A (en) * | 2020-06-23 | 2020-09-15 | 上海印闪网络科技有限公司 | Customized loan renewal method |
| CN113657999A (en) * | 2021-10-20 | 2021-11-16 | 深圳市商票圈科技有限公司 | Online business ticket fast-loan method and device, computer equipment and storage medium |
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| CN107330670A (en) * | 2017-06-29 | 2017-11-07 | 喀什博雅成信网络科技有限公司 | One kind automation loan approval system and method |
| CN108389122A (en) * | 2018-02-12 | 2018-08-10 | 中科柏诚科技（北京）股份有限公司 | A kind of internet loan system and method |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107330670A (en) * | 2017-06-29 | 2017-11-07 | 喀什博雅成信网络科技有限公司 | One kind automation loan approval system and method |
| CN108389122A (en) * | 2018-02-12 | 2018-08-10 | 中科柏诚科技（北京）股份有限公司 | A kind of internet loan system and method |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110443694A (en) * | 2019-07-31 | 2019-11-12 | 中国工商银行股份有限公司 | Financing method and device on little Wei enterprise line |
| CN111667362A (en) * | 2020-06-23 | 2020-09-15 | 上海印闪网络科技有限公司 | Customized loan renewal method |
| CN113657999A (en) * | 2021-10-20 | 2021-11-16 | 深圳市商票圈科技有限公司 | Online business ticket fast-loan method and device, computer equipment and storage medium |
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