CN110033365A - A kind of loan on personal security approval system and method - Google Patents
A kind of loan on personal security approval system and method Download PDFInfo
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- CN110033365A CN110033365A CN201910289113.0A CN201910289113A CN110033365A CN 110033365 A CN110033365 A CN 110033365A CN 201910289113 A CN201910289113 A CN 201910289113A CN 110033365 A CN110033365 A CN 110033365A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The embodiment of the invention provides a kind of loan on personal security approval system and methods, it include: identity information acquisition module, for obtaining the identity information of the loan application people from the examination & approval material that loan application people uploads, the identity information includes at least the name of the loan application people and the identification number of the loan application people；Approval of qualification module obtains the first approval results for examining using default approval of qualification model the identity information；Credit approval module, if for judging to know that first approval results to pass through, examine the identity information using default credit examination & approval model, obtain the second examination & approval as a result, i.e. final approval results.By successively carrying out approval of qualification and credit examination & approval to loan application people, and only in the case where approval of qualification and credit examination & approval all pass through, the just final approval results that output examination & approval pass through, and above system function is realized by computer programming, approval process is fast and examination & approval accuracy is high.
Description
Technical Field
The invention relates to the technical field of financial approval, in particular to a personal credit loan approval system method.
Background
A personal loan of credit is a loan of RMB credit issued by a bank or other financial institution to a well-credited borrower without the provision of a guarantee. Where a bank applies for a personal loan, the bank may have a requirement for the use of the loan funds. The general bank may stipulate that the loan applicant should not use the loan funds in the production, operation, investment fields prohibited by the bank proctor's instructions, and the borrower needs to provide a funding use certificate or use statement.
The borrower obtains personal credit from other credit institutions of the bank, fills out an application form in writing and submits the following similar materials: 1. a valid identity document of the person; 2. residence address certification (family account book, etc.); 3. personal professional identification; 4. the income of the borrowing applicant and family members proves; 5. other data specified by the bank. Currently, banks or financial institutions require the relevant departments to review the above-mentioned materials before determining whether to approve loan issuance, so as to ensure the safety of the funds.
However, most of the current approval processes are completed manually, so that the problems of slow approval process and low approval accuracy exist.
Disclosure of Invention
Embodiments of the present invention provide a personal credit approval system method that overcomes, or at least partially solves, the above-mentioned problems.
In a first aspect, an embodiment of the present invention provides a personal credit approval system, including: the system comprises an identity information acquisition module, a qualification approval module and a credit approval module; wherein,
the identity information acquisition module is used for acquiring the identity information of the loan applicant from approval materials uploaded by the loan applicant, wherein the identity information at least comprises the name of the loan applicant and the identity identification number of the loan applicant;
the qualification approval module is used for examining the identity information by using a preset qualification approval model to obtain a first approval result;
and the credit approval module is used for examining the identity information by using a preset credit approval model if the first approval result is judged to be passed, and obtaining a second approval result, namely a final approval result.
Further, the identification number is an identification number of the loan applicant, a bank card number or a mobile phone number authenticated by a real name.
Further, the system also comprises an approval material acquisition system which is used for accepting the approval material uploaded by the loan applicant.
Further, the identity information acquisition module is further configured to:
checking the acquired identity information with information in a preset database to determine whether the identity information is real or not;
and if the identity information is judged to be not true, directly outputting the final approval result as fail.
Further, the qualification approval module is specifically configured to:
acquiring qualification information of the loan applicant according to the identity information;
and comparing the qualification information with qualification requirements in the preset qualification approval model to obtain the first approval result.
Further, the credit approval module is specifically configured to:
if the first approval result is judged to be passed, acquiring the personal credit of the loan applicant according to the identity information;
and comparing the personal credit investigation with the credit investigation requirement in the preset credit approval model to obtain the second approval result.
In another aspect, an embodiment of the present invention provides a method for approving a personal credit loan, including:
obtaining identity information of a loan applicant from approval materials uploaded by the loan applicant, wherein the identity information at least comprises the name of the loan applicant and an identification number of the loan applicant;
examining the identity information by using a preset qualification examination and approval model to obtain a first examination and approval result;
and if the first approval result is judged to be passed, examining the identity information by using a preset credit approval model to obtain a second approval result, namely a final approval result.
Third aspect embodiments of the present invention provide a method for approving a personal credit loan, including a processor, a communication interface, a memory, and a bus, where the processor, the communication interface, and the memory communicate with each other via the bus, and the processor may call logic instructions in the memory to execute the method for approving a personal credit loan provided in the second aspect.
Fourth aspect embodiments of the present invention provide a non-transitory computer-readable storage medium storing computer instructions that cause the computer to perform the personal credit approval method provided by the second aspect.
According to the system and the method for approving the personal credit loan, provided by the embodiment of the invention, the loan applicant is sequentially subjected to qualification approval and credit approval, and only under the condition that the qualification approval and the credit approval are passed, the final approval result which is passed through the approval is output, and the system functions are realized through computer programming, so that the approval process is fast and the approval accuracy is high.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
FIG. 1 is a block diagram of a system for approving a personal loan on credit according to an embodiment of the invention;
FIG. 2 is a flow chart of a method for approving a personal loan credit according to an embodiment of the invention;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some embodiments, but not all embodiments, of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a block diagram of a personal credit approval system according to an embodiment of the present invention, including: an identity information acquisition module 101, a qualification approval module 102, and a credit approval module 103. Wherein:
the identity information obtaining module 101 is configured to obtain identity information of a loan applicant from approval materials uploaded by the loan applicant, where the identity information at least includes a name of the loan applicant and an identification number of the loan applicant. The qualification approval module 102 is configured to use a preset qualification approval model to inspect the identity information to obtain a first approval result. The credit approval module 103 is configured to, if it is determined that the first approval result is passed, examine the identity information by using a preset credit approval model to obtain a second approval result, that is, a final approval result.
Wherein, according to the identification number in the identification information, the system can uniquely determine the information of the loan applicant in each financial system.
Specifically, the qualification approval module 102 performs a preliminary examination on the qualification corresponding to the identity information of the loan applicant, and if the examination is passed, continues to perform the next examination; if the examination does not pass, the next examination is not needed, and the final examination and approval result which does not pass is directly provided. If the first approval result is that the loan applicant passes, the credit approval module 103 further inspects the personal credit corresponding to the impersonal information of the loan applicant, and if the inspection passes, the final approval result is that the loan applicant passes; if the approval result is not passed, the final approval result is still not passed.
It can be understood that the functions corresponding to the above modules can be implemented by computer programming, and the specific implementation manner is not described herein again.
According to the personal credit loan approval system provided by the embodiment of the invention, qualification approval and credit approval are sequentially carried out on loan applicants, and only under the condition that the qualification approval and the credit approval are passed, the final approval result which is passed through the approval is output, and the system functions are realized through computer programming, so that the approval process is fast and the approval accuracy is high.
In the above embodiment, the id number is an identification number of the loan applicant, a bank card number, or a mobile phone number authenticated by a real name.
Specifically, the loan applicant can be uniquely determined by the identification number of the loan applicant, the bank card number or the mobile phone number authenticated by the real name, and the financial information of the loan applicant can be accurately identified and positioned in each financial channel.
In the above embodiment, the system further comprises an approval material acquisition system for accepting approval materials uploaded by the loan applicant.
Specifically, the loan applicant may upload approval material through an interface on the PC side, the mobile side, or a specific device.
In the above embodiment, the identity information obtaining module is further configured to:
checking the acquired identity information with information in a preset database to determine whether the identity information is real or not;
and if the identity information is judged to be not true, directly outputting the final approval result as fail.
In the above embodiment, the qualification approval module is specifically configured to:
acquiring qualification information of the loan applicant according to the identity information;
and comparing the qualification information with qualification requirements in the preset qualification approval model to obtain the first approval result.
Specifically, the qualification requirements include related requirements such as age, gender, school calendar or household attribution, and can be set according to actual requirements.
In the above embodiment, the credit approval module is specifically configured to:
if the first approval result is judged to be passed, acquiring the personal credit of the loan applicant according to the identity information;
and comparing the personal credit investigation with the credit investigation requirement in the preset credit approval model to obtain the second approval result.
Fig. 2 is a flowchart of a method for approving a personal credit loan according to an embodiment of the invention, as shown in fig. 2, including:
s201, obtaining identity information of a loan applicant from approval materials uploaded by the loan applicant, wherein the identity information at least comprises the name of the loan applicant and an identity identification number of the loan applicant;
s202, examining the identity information by using a preset qualification examination and approval model to obtain a first examination and approval result;
and S203, if the first approval result is judged to be passed, checking the identity information by using a preset credit approval model to obtain a second approval result, namely a final approval result.
Wherein, according to the identification number in the identification information, the system can uniquely determine the information of the loan applicant in each financial system.
Specifically, the qualification corresponding to the identity information of the loan applicant is preliminarily examined, and if the examination is passed, the next examination is continued; if the examination does not pass, the next examination is not needed, and the final examination and approval result which does not pass is directly provided. If the first approval result is passed, further examining the personal credit corresponding to the goddess information of the loan applicant, and if the examination is passed, the final approval result is passed; if the approval result is not passed, the final approval result is still not passed.
According to the method for approving the personal credit loan, provided by the embodiment of the invention, the loan applicant is subjected to qualification approval and credit approval in sequence, and only under the condition that the qualification approval and the credit approval are passed, the final approval result which is passed through the approval is output, and the system functions are realized through computer programming, so that the approval process is fast and the approval accuracy is high.
Fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 3, the electronic device includes: a processor (processor)301, a communication Interface (communication Interface)302, a memory (memory)303 and a bus 304, wherein the processor 301, the communication Interface 302 and the memory 303 complete communication with each other through the bus 304. Processor 301 may call logic instructions in memory 303 to perform methods including, for example: obtaining identity information of a loan applicant from approval materials uploaded by the loan applicant, wherein the identity information at least comprises the name of the loan applicant and an identification number of the loan applicant; examining the identity information by using a preset qualification examination and approval model to obtain a first examination and approval result; and if the first approval result is judged to be passed, examining the identity information by using a preset credit approval model to obtain a second approval result, namely a final approval result.
The logic instructions in the memory 303 may be implemented in software functional units and stored in a computer readable storage medium when sold or used as a stand-alone product. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
Embodiments of the present invention provide a non-transitory computer-readable storage medium, which stores computer instructions, where the computer instructions cause the computer to perform the methods provided by the above method embodiments, for example, the methods include: obtaining identity information of a loan applicant from approval materials uploaded by the loan applicant, wherein the identity information at least comprises the name of the loan applicant and an identification number of the loan applicant; examining the identity information by using a preset qualification examination and approval model to obtain a first examination and approval result; and if the first approval result is judged to be passed, examining the identity information by using a preset credit approval model to obtain a second approval result, namely a final approval result.
Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
The above-described embodiments of the communication device and the like are merely illustrative, and units illustrated as separate components may or may not be physically separate, and components displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods of the various embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (9)
1. A personal credit approval system, comprising: the system comprises an identity information acquisition module, a qualification approval module and a credit approval module; wherein,
the identity information acquisition module is used for acquiring the identity information of the loan applicant from approval materials uploaded by the loan applicant, wherein the identity information at least comprises the name of the loan applicant and the identity identification number of the loan applicant;
the qualification approval module is used for examining the identity information by using a preset qualification approval model to obtain a first approval result;
and the credit approval module is used for examining the identity information by using a preset credit approval model if the first approval result is judged to be passed, and obtaining a second approval result, namely a final approval result.
2. The system of claim 1, wherein the id number is an identification number of the loan applicant, a bank card number or a mobile phone number authenticated by a real name.
3. The system of claim 1, further comprising an approval material acquisition system for accepting approval materials uploaded by said loan applicant.
4. The personal credit approval system of claim 1, wherein the identity information acquisition module is further configured to:
checking the acquired identity information with information in a preset database to determine whether the identity information is real or not;
and if the identity information is judged to be not true, directly outputting the final approval result as fail.
5. The personal credit approval system of claim 1, wherein the qualification module is specifically configured to:
acquiring qualification information of the loan applicant according to the identity information;
and comparing the qualification information with qualification requirements in the preset qualification approval model to obtain the first approval result.
6. The system of claim 1, wherein the credit approval module is further configured to:
if the first approval result is judged to be passed, acquiring the personal credit of the loan applicant according to the identity information;
and comparing the personal credit investigation with the credit investigation requirement in the preset credit approval model to obtain the second approval result.
7. A method for approving a personal loan credit, comprising:
obtaining identity information of a loan applicant from approval materials uploaded by the loan applicant, wherein the identity information at least comprises the name of the loan applicant and an identification number of the loan applicant;
examining the identity information by using a preset qualification examination and approval model to obtain a first examination and approval result;
and if the first approval result is judged to be passed, examining the identity information by using a preset credit approval model to obtain a second approval result, namely a final approval result.
8. An electronic device comprising a processor, a communication interface, a memory, and a bus, wherein the processor, the communication interface, and the memory communicate with each other via the bus, and wherein the processor is capable of invoking logic instructions in the memory to perform the personal credit approval method of claim 7.
9. A non-transitory computer readable storage medium storing computer instructions for causing a computer to perform the method of personal credit approval of claim 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201910289113.0A CN110033365A (en) | 2019-04-11 | 2019-04-11 | A kind of loan on personal security approval system and method |
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| CN201910289113.0A CN110033365A (en) | 2019-04-11 | 2019-04-11 | A kind of loan on personal security approval system and method |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110619571A (en) * | 2019-09-19 | 2019-12-27 | 中国银行股份有限公司 | Loan application processing method and device |
| CN110717817A (en) * | 2019-08-14 | 2020-01-21 | 深圳壹账通智能科技有限公司 | Pre-loan approval method and device, electronic equipment and computer-readable storage medium |
| CN110992166A (en) * | 2019-11-28 | 2020-04-10 | 中国银行股份有限公司 | Testing method and device for online loan application |
| 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 |
| CN112529693A (en) * | 2020-12-18 | 2021-03-19 | 南京鼐威欣信息技术有限公司 | Public credit loan system for rapid qualification evaluation |
| CN113327161A (en) * | 2021-06-24 | 2021-08-31 | 国槐(上海)信息科技有限公司 | Intelligent wind control decision system for credit business |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110717817A (en) * | 2019-08-14 | 2020-01-21 | 深圳壹账通智能科技有限公司 | Pre-loan approval method and device, electronic equipment and computer-readable storage medium |
| CN110619571A (en) * | 2019-09-19 | 2019-12-27 | 中国银行股份有限公司 | Loan application processing method and device |
| CN110992166A (en) * | 2019-11-28 | 2020-04-10 | 中国银行股份有限公司 | Testing method and device for online loan application |
| CN110992166B (en) * | 2019-11-28 | 2024-04-19 | 中国银行股份有限公司 | Method and device for testing online loan application |
| 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 |
| CN112529693A (en) * | 2020-12-18 | 2021-03-19 | 南京鼐威欣信息技术有限公司 | Public credit loan system for rapid qualification evaluation |
| CN113327161A (en) * | 2021-06-24 | 2021-08-31 | 国槐(上海)信息科技有限公司 | Intelligent wind control decision system for credit business |
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