CN110097454A - Handle the method and Related product of data on line - Google Patents
Handle the method and Related product of data on line Download PDFInfo
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- CN110097454A CN110097454A CN201910266826.5A CN201910266826A CN110097454A CN 110097454 A CN110097454 A CN 110097454A CN 201910266826 A CN201910266826 A CN 201910266826A CN 110097454 A CN110097454 A CN 110097454A
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- 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
This application involves resource allocation techniques, disclose a kind of method and Related product for handling data on line, comprising: receive the business loan from electronic equipment and request and respond, determine loan process corresponding with business loan request；It extracts information acquisition page corresponding with the loan process and is sent to the electronic equipment, prompt the data information inputted in the information acquisition page；Receive the information input page of electronic equipment submission, the data information of input is extracted from the information input page, and risk analysis is carried out, the risk class for requesting corresponding enterprise to be made loans with the business loan is obtained, the loan detail of the enterprise to be made loans is determined according to the risk class；The loan detail is sent to the electronic equipment and prompts to check, and when the confirmation for the loan detail for receiving electronic equipment upload instructs, the amount of the loan marked in the loan detail is delivered to the electronic account in the information input page.The embodiment of the present application is conducive to simplify loan process.
Description
Technical field
This application involves electronic technology fields, and in particular to the method and Related product of data on processing line.
Background technique
With the development of the social economy, enterprise is next by getting a bank loan in order to make the project normal operation managed have to
It solves the problems, such as existing insufficient funds, promotes the development of bank loan business.Bank passes through the loan application of enterprise at present
The financial statement of the enterprise is analyzed under line, or by deciding whether to send out the enterprise after enterprise is visited and linked up
Lending money, it is at high cost, time-consuming long, and the comprehensive information of the enterprise can not in time, be accurately got, especially in electronics
Behavioral data on business web site or transaction platform is more difficult to obtain, therefore when online lower audit enterprise, core data can be lacked, led
Causing enterprise's audit, there are great risks, make bank can not large area, development loan transaction quickly, inexpensive.
So in the prior art, loan process is cumbersome, mode is single, time-consuming long, poor user experience.
Summary of the invention
The embodiment of the present application provides a kind of method and Related product for handling data on line, to based on stream of providing a loan on line
Journey realizes enterprise and provides a loan on line, simplifies loan process.
In a first aspect, the embodiment of the present application provides a kind of method for handling data on line, which comprises
Server receives the business loan request from electronic equipment, responds business loan request, it is determining with it is described
Business loan requests corresponding loan process；
The server extracts information acquisition page corresponding with the loan process, described in the transmission of Xiang Suoshu electronic equipment
Information acquisition page prompts to input data information corresponding with the loan process in the information acquisition page；
The server receives the information input page that the electronic equipment is submitted, and extracts from the information input page
The data information of input carries out risk analysis to the data information, obtains corresponding wait make loans with business loan request
The risk class of enterprise determines the loan detail of the enterprise to be made loans according to the risk class；
The server sends the loan detail to the electronic equipment, prompts to check the loan detail, receive
To the electronic equipment upload for it is described loan detail confirmation instruction when, will it is described loan detail in mark loan gold
Volume is delivered to the electronic account in the information input page.
Second aspect, the embodiment of the present application provide a kind of server, and the server includes:
Receiving unit responds the business loan request, determines for receiving the business loan request from electronic equipment
Loan process corresponding with business loan request；
Extraction unit, for extracting information acquisition page corresponding with the loan process, Xiang Suoshu electronic equipment is sent
The information acquisition page prompts to input data information corresponding with the loan process in the information acquisition page；
Processing unit, the information input page submitted for receiving the electronic equipment, from the information input page
Extract input data information, to the data information carry out risk analysis, obtain it is corresponding with business loan request to
It makes loans the risk class of enterprise, the loan detail of the enterprise to be made loans is determined according to the risk class；
Issuing unit is prompted to check the loan detail, connect for sending the loan detail to the electronic equipment
Receive that the electronic equipment uploads for the loan detail confirmation instruction when, the loan that will mark in the loan detail
The amount of money is delivered to the electronic account in the information input page.
The third aspect, the embodiment of the present application provide a kind of server, including processor, memory, communication interface and one
A or multiple programs, wherein one or more of programs are stored in the memory, and are configured by the processing
Device executes, and described program is included the steps that for executing the instruction in method as described in relation to the first aspect.
Fourth aspect, the embodiment of the present application provide a kind of computer readable storage medium, and storage is handed over for electronic data
The computer program changed, wherein the computer program makes the method for computer execution as described in relation to the first aspect.
5th aspect, the embodiment of the present application provide a kind of computer program product, and the computer program product includes depositing
The non-transient computer readable storage medium of computer program is stored up, the computer is operable to make computer to execute such as the
Method described in one side.
Implement the embodiment of the present application, has the following beneficial effects:
As can be seen that in the embodiment of the present application, when getting business loan request, determining business loan request pair
The loan process answered issues information acquisition page corresponding with the loan process to electronic equipment, receives user in acquisition of information
Then the data information corresponding with the loan process inputted in the page is verified the data information, so that it is determined that with this
Business loan requests whether corresponding enterprise to be made loans has loan qualification, and determines the loan detail for treating the enterprise that makes loans,
To realize flexible configuration loan process, provide a loan on line, simplify loan process, shorten loan duration, improve user
Experience.
Detailed description of the invention
In order to more clearly explain the technical solutions in the embodiments of the present application, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, the accompanying drawings in the following description is some embodiments of the present application, for ability
For the those of ordinary skill of domain, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Figure 1A is the schematic diagram of the network architecture of data on a kind of processing line provided by the embodiments of the present application；
Figure 1B is the flow diagram of the method for data on a kind of processing line provided by the embodiments of the present application；
Fig. 1 C is a kind of schematic diagram of surface chart for being embedded in OCR tool provided by the embodiments of the present application；
Fig. 2 is the method flow schematic diagram of data on another processing line provided by the embodiments of the present application；
Fig. 3 is that the method for data on another processing line provided by the embodiments of the present application is based on flow diagram；
Fig. 4 is the structural schematic diagram of the server of data on a kind of processing line provided by the embodiments of the present application；
Fig. 5 is the functional unit composition block diagram of the server of data on a kind of processing line provided by the embodiments of the present application.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation description, it is clear that described embodiment is some embodiments of the present application, instead of all the embodiments.Based on this Shen
Please in embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall in the protection scope of this application.
The description and claims of this application and term " first ", " second ", " third " and " in the attached drawing
Four " etc. are not use to describe a particular order for distinguishing different objects.In addition, term " includes " and " having " and it
Any deformation, it is intended that cover and non-exclusive include.Such as it contains the process, method of a series of steps or units, be
System, product or equipment are not limited to listed step or unit, but optionally further comprising the step of not listing or list
Member, or optionally further comprising other step or units intrinsic for these process, methods, product or equipment.
Referenced herein " embodiment " is it is meant that the special characteristic, result or the characteristic that describe can wrap in conjunction with the embodiments
It is contained at least one embodiment of the application.Each position in the description occur the phrase might not each mean it is identical
Embodiment, nor the independent or alternative embodiment with other embodiments mutual exclusion.Those skilled in the art explicitly and
Implicitly understand, embodiment described herein can be combined with other embodiments.
Electronic equipment, user terminal in the application may include smart phone (such as Android phone, iOS mobile phone,
Windows Phone mobile phone etc.), tablet computer, palm PC, laptop, mobile internet device MID (Mobile
Internet Devices, referred to as: MID) or wearable device etc., above-mentioned server are only citings, and non exhaustive, include but not
It is limited to above-mentioned electronic equipment, user terminal.Certainly in practical applications, above-mentioned electronic equipment, user terminal are also not necessarily limited to above-mentioned
Realization form, such as can also include: intelligent vehicle mounted terminal, computer equipment etc.；Wherein, the server in the application can be with
Packet mobile internet device, transmission receiving point (TRP, Transmission Reception Point), base station are (for example, macro
Stand), LTE eNB, 5G NR NB access point (Access Point, referred to as: AP).It should be noted that in the embodiment of the present invention
In do not limit the concrete type of server.
Referring initially to Figure 1A, Figure 1A is the signal of the network architecture of data on a kind of processing line provided by the embodiments of the present application
Figure, which includes: server 100, user terminal 200；
Wherein, user terminal 200, for initiating business loan request to server 100 at default interface；
Server 100 determines loan stream corresponding with business loan request for responding the business loan request
Journey extracts information acquisition page corresponding with the loan process, sends the information acquisition page to user terminal；
User terminal 200, the data information inputted for receiving user in the information acquisition page, obtains information input
The information input page is committed to server 100 by the page；
Server 100, for from the information input page user input data information, to the data information into
Row risk analysis obtains the risk class that corresponding enterprise to be made loans is requested with the business loan, according to the risk class
The loan detail for determining the enterprise to be made loans sends the loan detail to electronic equipment 100, prompts to check the loan
It is bright, when the confirmation for the loan detail for receiving the upload of electronic equipment 100 instructs, will be marked in the loan detail
The amount of the loan be delivered to the electronic account in the information input page.
As can be seen that in the embodiment of the present application, when receiving the business loan request that user terminal is sent, determining the enterprise
The corresponding loan process of loan requests issues information acquisition page corresponding with the loan process to user terminal, receives user
Then the data information corresponding with the loan process inputted in information acquisition page is verified the data information, from
And determine whether enterprise to be made loans corresponding with business loan request has loan qualification, and the enterprise that makes loans is treated in determination
Detail of providing a loan provide a loan on line to realize flexible configuration loan process, simplifies loan process, shorten loan duration,
Improve user experience.
B refering to fig. 1, Fig. 1 are the flow diagram of the method for data on a kind of processing line provided by the embodiments of the present application, should
Method is applied to server and electronic equipment, and this method includes the content as shown in step S101~S104:
Step S101, server receives the business loan request from electronic equipment, responds the business loan request, really
Fixed loan process corresponding with business loan request.
Optionally, multiple business loan processes are pre-configured in the database of server, for example, loan of operating fund stream
Journey, fixed asset loan process, fiduciary loan process, guaranteed loan process, Stock-pledging Loan process, foreign exchange hypothecated loan stream
Journey, unit time deposit certificate hypothecated loan process, etc. determine the data information submitted required for each loan process, by data
Information storage corresponding with loan process.
Optionally, the response business loan request, determines loan process corresponding with business loan request
It specifically includes: parsing the business loan request, determine whether the business loan request carries loan process identification, such as
It is to extract the first loan process corresponding with the loan process identification, is and the enterprise by the first loan Process Markup
The corresponding loan process of industry loan requests, if not, sending the business loan request, prompt service manager to office manager's equipment
Corresponding loan process is configured for the loan requests, the second loan process from office manager's equipment is received, by institute
Stating the second loan Process Markup is loan process corresponding with business loan request.For example, in the net of the server
Multiple loan process buttons are set in the page page, user logs in the Webpage by electronic equipment, can independently select multiple
Any one button in loan process button sends business loan request to the server, carries in business loan request
There is loan process identification corresponding with the button, such as directly select loan button, then will not carry any loan process identification, this
When, it is manually the enterprise that server, which is forwarded to loan manager's equipment when receiving business loan request, by business loan request,
The loan process of industry loan requests configuration loan process, configuration can be minimum for temperature highest, scoring highest, interest rate, waits loan
One of money process.
Step S102, the described server extracts information acquisition page corresponding with the loan process, and Xiang Suoshu electronics is set
Preparation send the information acquisition page, prompts to input data letter corresponding with the loan process in the information acquisition page
Breath.
Optionally, information acquisition page corresponding with the loan process is extracted from database, wherein the acquisition of information
It include several text boxes in the page, each text box is used to receive the data information of user's input, further, by optics word
Symbol identification OCR software is embedded in the information acquisition page, the OCR software include identity card OCR software, bank card OCR software,
The combination of business license OCR software, face OCR software one or several kinds, the transmission of Xiang Suoshu electronic equipment are embedded with OCR software
Information acquisition page, so as to the electronic device user utilize the OCR software input data information.
For example, OCR software can be embedded on the right side of corresponding text box, as shown in Figure 1 C, the acquisition of information issued
It include identification card number input text box, business license input text box, face acquisition text box, the input of bank's card number in the page
Identity card OCR software, bank card OCR software, business license OCR software, face OCR software are respectively embedded into respective text by text
OCR software, by way of scanning, data information needed for obtaining each text box are clicked in the right side of this frame.
Step S103, the described server receives the information input page that the electronic equipment is submitted, from the information input
The data information that input is extracted in the page carries out risk analysis to the data information, obtains and business loan request pair
The risk class for the enterprise to be made loans answered determines the loan detail of the enterprise to be made loans according to the risk class.
Wherein, the loan detail includes the amount of the loan, refunds time, loan interest rate, default clause, etc..
Optionally, the data information that input is extracted from the information input page specifically includes: to the information input
The page carries out text identification, extracts the text information in the text box in the information input page, obtains data information.
Further, risk analysis is carried out to the text information, obtained corresponding wait put with business loan request
The risk class of money enterprise specifically includes: obtaining preset multiple assessment dimensions；Each assessment is extracted from the data information
Characteristic information under dimension determines the risk class under each assessment dimension according to the characteristic information under each assessment dimension；It obtains
It takes to the preset weight coefficient of each assessment dimension, place is weighted to the risk class under each assessment dimension
Reason, obtains the risk index of enterprise to be made loans。
Optionally, it obtains and the preset weight coefficient of each assessment dimension is specifically included: based on loan database, really
Fixed the multiple assessment dimension is in the important level to credit risk, i.e., according to the data and expert's warp in loan database
It tests, predefines the multiple assessment dimension to the important level of credit risk, substantially determine upper in multiple assessment dimensions
Layer assessment i-th of assessment dimension of dimension influences credit risk important compared with lower layer assesses j-th of assessment dimension of dimension
Property, the relative weighting a of usage quantityijIt indicates, wherein aijValue be 1-9 and 1-9 inverse, specifically: such as aij=1,
I-th of assessment dimension is identical as the importance that j-th of assessment dimension influences medical expense, aij=3, i-th of assessment dimension ratio
J-th of assessment dimension is slightly important, aij=5, than j-th assessment dimension of i-th of assessment dimension is important, aij=7, i-th of assessment dimension
It spends and assesses important more, a of dimension than j-thij=9, than j-th assessment dimension of i-th of assessment dimension, just phase when inverted
Instead；The pairwise comparison matrix of multiple assessment dimensions is constructed according to important level, building pairwise comparison matrix includes: to comment multiple
The relative weight value for estimating dimension is arranged according to sequence from small to large, then, will as the first row element of pairwise comparison matrix
Each relative weight value obtains the pairwise comparison matrix successively divided by the element of the first row；Pairwise comparison matrix is carried out consistent
Property detection such as by consistency detection obtain feature vector corresponding to the maximum eigenvalue of pairwise comparison matrix, do not pass through such as
Consistency detection adjusts important level of multiple assessment dimensions on credit risk, pairwise comparison matrix is retrieved, until logical
Consistency detection is crossed, such as by consistency detection, then feature vector corresponding to maximum eigenvalue is normalized, is obtained
To the weight vector of the multiple assessment dimension, wherein the weight coefficient in the weight vector is the weight coefficient of multiple assessment dimensions.
Wherein, consistency detection is carried out to pairwise comparison matrix to specifically include:
Wherein, CI is the coincident indicator of pairs of matrix, λmaxFor the maximum eigenvalue of pairs of matrix, n is pairs of matrix
Dimension.Therefore when carrying out consistency detection to pairs of matrix, it is calculated as the maximum eigenvalue to matrix using MATLAB, according to maximum
Characteristic value determines the CI of the pairs of matrix, when being less than consistency threshold value such as CI, determines that the pairs of matrix passes through consistency detection,
Wherein, CI is bigger, and the inconsistency of pairs of matrix is higher.
Wherein, the consistency threshold value can be 0.01,0.02,0.1 or other values.
For example, if assessment dimension is financial dimension, development prospect dimension, scope of the enterprise dimension, geography dimension
When, and relatively important grade are as follows: financial dimension is most important, and development prospect dimension time is important, and scope of the enterprise dimension is slightly important, geographical
Location dimension is minimum, such as sets financial dimension, development prospect dimension, scope of the enterprise dimension, the important level of geography dimension
It is followed successively by 7,5,3 and 1, pairs of matrix can be obtained are as follows:
Its maximum eigenvalue is 4, and the corresponding feature vector of maximum eigenvalue 4 is α=[1,3,5,7]T, α is returned
After one change processing, obtaining weight vector is β=[0.0625,0.1875,0.3125,0.4375]T, CI=0, RI=0.98, CR=0
< 0.1, therefore the pairs of matrix passes through consistency detection.Therefore determine poor financial dimension, development prospect dimension, scope of the enterprise dimension,
The weighted value of geography dimension is respectively 0.4375,0.3125,0.1875,0.0625.
For example, when determining the risk class on financial dimension, specifically, extracting in the information solicitation page
The financial statement of input extracts the financial information in the financial statement, wherein financial information include current assets, total assets,
The market value of stock, retained income, EBIT, total liabilities and gross sales amount, etc.；To the financial information carry out it is credible into
Row judgement, judges the authenticity of the financial information, when judging true, is calculated according to value-at-risk calculation formula in financial dimension
Risk class；The value-at-risk calculation formula is as follows:
Wherein, S is risk class, and LD is current assets, and LC is retained income, and XQ is EBIT, and GP is stock city
Value, XS is gross sales amount, and Z is total assets, and F is total liabilities, and a, b, c, d are respectively 1.5,1.6,2.8 and 0.8.Other assessments
Dimension by the respective risk class of computation rule of each self-evaluating dimension, does not describe one by one herein.
Step S104, the described server sends the loan detail to the electronic equipment, prompts the verification loan bright
Carefully, when receiving the confirmation instruction for being directed to the loan detail that the electronic equipment uploads, the loan detail is got the bid
The amount of the loan of note is delivered to the electronic account in the information input page.
Optionally, obtained loan detail is issued to electronic equipment, to inquire it is described whether electronic device user follows
Treaty of providing a loan specified in loan detail submits confirmation instruction if so, clicking ACK button, if not, different opinions are uploaded,
To adjust the item in the loan detail.
As can be seen that in the embodiment of the present application, by Configuration Online or selection loan process, realization is completed whole online
A loan process provides a loan on flexible configuration loan process and line to realize, loan process is simplified, when shortening loan
It is long, improve user experience；Moreover, obtaining the risk class of enterprise to be made loans from multiple assessment dimensions, and to assessment dimension
Weight carries out consistency detection, and the risk class determined is made to be more in line with actual conditions, improves to business risk identification
Accuracy reduces credit risk, avoids the problem of fund can not be normally recalled a loan after providing a loan.
Referring to Fig.2, Fig. 2 is the flow diagram of the method for data on another processing line provided by the embodiments of the present application,
This method is applied to server and electronic equipment, and this method includes the content as shown in step S201~S207:
Step S201, server receives the business loan request from electronic equipment, responds the business loan request, really
Fixed loan process corresponding with business loan request.
Step S202, the described server extracts information acquisition page corresponding with the loan process, and Xiang Suoshu electronics is set
Preparation send the information acquisition page, prompts to input data letter corresponding with the loan process in the information acquisition page
Breath.
Step S203, the described server receives the information input page that the electronic equipment is submitted, from the information input
The data information that input is extracted in the page extracts the standard data information of the loan flow specification from database, will be described
The data information inputted in the information input page is compared with the standard data information, obtains in the information input page
The shortage of data degree of the data information of input.
Optionally, tool is compared with the standard data information in the data information inputted in the information input page
Body includes: to obtain data item set by the standard data information, by the data item of the data information of input and the setting
Data item compare one by one, determine missing data item, by the number of the quantity of the data item of the missing and the data item of setting
The ratio of amount is as the shortage of data degree.
Step S204, the described server judges whether the shortage of data degree is greater than threshold value；
If so, executing step S205；
If not, executing step S206.
Wherein, the threshold value can be 0.6,0.7,0.8,0.9 or other values.
Step S205, the described server sends loan failure and the prompt of updates information letter to the electronic equipment
Breath.
Step S206, the described server carries out risk analysis to the data information, obtains requesting with the business loan
The risk class of corresponding enterprise to be made loans determines the loan detail of the enterprise to be made loans according to the risk class.
Optionally, described to determine that the loan detail of the enterprise to be made loans specifically includes according to risk class: according to described
Risk class determines the practical amount of the loan, and loan interest rate corresponding with the loan process and violation item are extracted from database
About, the comprehensive practical amount of the loan, loan interest rate and violation treaty obtain the loan detail, further, according to institute
It states risk class and determines that the practical amount of the loan specifically includes: determining institute according to the mapping relations of risk class and available loan limit
State the corresponding available loan limit of risk class；Extract the application loan limit of the information input page；It can be used described in comparing
Loan limit and the application loan limit can use loan limit as described in being less than or equal to the application loan limit, will
The application loan limit is labeled as the practical amount of the loan, can use loan value as described in being greater than the application loan limit
Degree can be labeled as the practical amount of the loan with loan limit by described in.
Step S207, the described server sends the loan detail to the electronic equipment, prompts the verification loan bright
Carefully, when receiving the confirmation instruction for being directed to the loan detail that the electronic equipment uploads, the loan detail is got the bid
The amount of the loan of note is delivered to the electronic account in the information input page.
As can be seen that in the embodiment of the present application, by Configuration Online or selection loan process, realization is completed whole online
A loan process provides a loan on flexible configuration loan process and line to realize, loan process is simplified, when shortening loan
It is long, improve user experience；Moreover, the detection of missing degree is carried out to the data information after the data information for getting user's upload,
To notify user's updates in time, letter, which connects, reduces loan duration in data missing.
Refering to Fig. 3, Fig. 3 is the flow diagram of the method for data on another processing line provided by the embodiments of the present application,
This method is applied to server and electronic equipment, and this method includes the content as shown in step S301~S305:
Step S301, server receives the business loan request from electronic equipment, responds the business loan request, really
Fixed loan process corresponding with business loan request.
Step S302, the described server extracts information acquisition page corresponding with the loan process, and Xiang Suoshu electronics is set
Preparation send the information acquisition page, prompts to input data letter corresponding with the loan process in the information acquisition page
Breath.
Step S303, the described server receives the information input page that the electronic equipment is submitted, from the information input
The data information that input is extracted in the page carries out risk analysis to the data information, obtains and business loan request pair
The risk class for the enterprise to be made loans answered.
Step S304, the described server extracts the identification information of the enterprise to be made loans from the data information, according to
The identification information obtains the current loan state of the enterprise to be made loans, and is determined based on the current loan state described wait put
Total amount of having provided a loan on the line of money enterprise and the loan total amount under the loan process.
Step S305, the described server is according to total amount and the loan process of having provided a loan on the risk class, line
Under total amount of having provided a loan determine the loan mode in the loan detail and the detail of providing a loan of the enterprise to be made loans.
Optionally, the practical amount of the loan is determined according to the risk class based on described in step S206, determines loan
Mode specifically includes: determining the corresponding available loan limit of the risk class；It can be in loan limit and the line by described in
The sum of loan limit is labeled as first amount of money, will described in can be with loan limit and described the sum of total amount of having provided a loan labeled as the
Two amount of money；When first amount of money is less than the first limit, such as second amount of money is less than or equal to the second limit, will be described
Loan mode flag is independent lending mode, and such as second amount of money is greater than second limit, by the loan mode flag
For joint lending mode, the lending object of the joint lending mode be loan platform belonging to the server and with it is described
Platform of providing a loan has other loan platforms of cooperative relationship, wherein first limit is the limit to business loan amount, institute
Stating the second limit is limit of the loan platform to business loan amount.
Wherein, first limit can be 100,000,500,000,1,000,000 or other values；
Wherein, second limit can be 50,000,100,000,150,000 or other values.
Step S306, the amount of the loan for detail of providing a loan is delivered to the information according to the loan mode by the described server
Electronic account in input page.
As can be seen that in the embodiment of the present application, by Configuration Online or selection loan process, realization is completed whole online
A loan process provides a loan on flexible configuration loan process and line to realize, loan process is simplified, when shortening loan
It is long, improve user experience；Moreover, obtaining the risk class of enterprise to be made loans from multiple assessment dimensions, and to assessment dimension
Weight carries out consistency detection, and the risk class determined is made to be more in line with actual conditions, improves to business risk identification
Accuracy reduces credit risk, avoids the problem of fund can not be normally recalled a loan after providing a loan；In current loan platform
When amount of the loan excess, uses the mode of syndicated loan to offer loans for enterprise, increase pattern of lending, be conducive to business economic
Operating, improve user experience.
It is consistent with above-mentioned Fig. 1, Fig. 2, embodiment shown in Fig. 3, referring to Fig. 4, Fig. 4 is provided by the embodiments of the present application
The structural schematic diagram of the server 400 of data on a kind of processing line, as shown in figure 4, the server 400 includes processor, storage
Device, communication interface and one or more programs, wherein said one or multiple programs are different from said one or multiple applications
Program, and said one or multiple programs are stored in above-mentioned memory, and are configured to be executed by above-mentioned processor, it is above-mentioned
Program includes the instruction for executing following steps:
Server receives the business loan request from electronic equipment, responds business loan request, it is determining with it is described
Business loan requests corresponding loan process；
The server extracts information acquisition page corresponding with the loan process, described in the transmission of Xiang Suoshu electronic equipment
Information acquisition page prompts to input data information corresponding with the loan process in the information acquisition page；
The server receives the information input page that the electronic equipment is submitted, and extracts from the information input page
The data information of input carries out risk analysis to the data information, obtains corresponding wait make loans with business loan request
The risk class of enterprise determines the loan detail of the enterprise to be made loans according to the risk class；
The server sends the loan detail to the electronic equipment, prompts to check the loan detail, receive
To the electronic equipment upload for it is described loan detail confirmation instruction when, will it is described loan detail in mark loan gold
Volume is delivered to the electronic account in the information input page.
In a possible example, the loan requests are being responded, are determining loan corresponding with business loan request
When process, above procedure is specifically used for executing the instruction of following steps:
The business loan request is parsed, determines whether the business loan request carries loan process identification, if so,
The first loan process corresponding with the loan process identification is extracted, is to be borrowed with the enterprise by the first loan Process Markup
Money requests corresponding loan process, if not, sending the business loan request to office manager's equipment, prompt service manager is institute
The corresponding loan process of loan requests configuration is stated, the second loan process from office manager's equipment is received, by described the
Two loan Process Markups are loan process corresponding with business loan request.
In a possible example, when sending the information acquisition page to the electronic equipment, above procedure is specific
For executing the instruction of following steps:
Optical character identification OCR software is embedded in the information acquisition page, the OCR software includes identity card OCR soft
The combination of part, bank card OCR software, business license OCR software, face OCR software one or several kinds；
The information acquisition page for being embedded with OCR software is sent, to the electronic equipment so as to the electronic device user benefit
With the OCR software input data information.
In a possible example, before carrying out risk analysis to the data information, above procedure also body is for holding
The instruction of row following steps:
The standard data information that the loan flow specification is extracted from database, will input in the information input page
Data information be compared with the standard data information, obtain the number of the data information inputted in the information input page
According to missing degree, such as shortage of data degree is greater than threshold value, and Xiang Suoshu electronic equipment sends loan failure and updates information
Prompt information, such as shortage of data degree is less than or equal to the threshold value, executes and carry out risk point to the data information
The operation of analysis.
In a possible example, risk analysis is being carried out to the data information, is obtaining the risk etc. of enterprise to be made loans
When grade, above procedure is specifically used for executing the instruction of following steps:
Obtain preset multiple assessment dimensions；
From the characteristic information extracted in the data information under each assessment dimension, according to the feature under each assessment dimension
Information determines the risk class under each assessment dimension；
Obtain to the preset weight coefficient of each assessment dimension, to each risk class assessed under dimension into
Row weighting processing, obtains the risk index of enterprise to be made loans.
In a possible example, when in the loan detail including the amount of the loan, true according to the risk class
When the loan detail of the fixed business loan request, above procedure is specifically used for executing the instruction of following steps:
Determine the corresponding available loan limit of the risk class；
Extract the application loan limit in the information input page；
Loan limit and the application loan limit can be used described in comparing, such as application loan limit is less than or equal to
It is described to use loan limit, the application loan limit is labeled as the amount of the loan, such as application loan limit is greater than
It is described to use loan limit, by described in the amount of the loan can be labeled as with loan limit.
In a possible example, before the loan detail for determining the enterprise to be made loans according to the risk class,
Above procedure is also used to execute the instruction of following steps: the mark letter of the enterprise to be made loans is extracted from the data information
Breath；The current loan state that the enterprise to be made loans is obtained according to the identification information, is determined based on the current loan state
Total amount of having provided a loan on the line of the enterprise to be made loans and the loan total amount under the loan process；When the loan
When including loan mode in detail, described when the loan detail for the enterprise that makes loans, above-mentioned journey is being determined according to the risk class
Sequence specifically is also used to execute the instruction of following steps: determining the corresponding available loan limit of the risk class；It can be used by described in
The sum of loan limit is labeled as first amount of money in loan limit and the line, can have been provided a loan with loan limit with described by described in
The sum of total amount is labeled as second amount of money；When first amount of money is less than the first limit, such as second amount of money be less than or
It is independent lending mode by the loan mode flag equal to the second limit, such as second amount of money is greater than second limit,
It is joint lending mode by the loan mode flag, the lending object of the joint lending mode is belonging to the server
Loan platform and other loan platforms with the loan platform with cooperative relationship, wherein first limit is to enterprise
The limit of industry loan limit, second limit are limit of the loan platform to business loan amount.
It can refering to Fig. 5, Fig. 5 one kind for showing the server 500 of data on processing line involved in above-described embodiment
The functional unit of energy forms block diagram, and server 500 includes: receiving unit 510, extraction unit 520, processing unit 530, dispatch hist
Member 540；
Receiving unit 510 is requested for receiving the business loan from electronic equipment, responds the business loan request,
Determine loan process corresponding with business loan request；
Extraction unit 520, for extracting information acquisition page corresponding with the loan process, Xiang Suoshu electronic equipment hair
The information acquisition page is sent, prompts to input data information corresponding with the loan process in the information acquisition page；
Processing unit 530, the information input page submitted for receiving the electronic equipment, from the information input page
The middle data information for extracting input carries out risk analysis to the data information, obtains corresponding with business loan request
The risk class of enterprise to be made loans determines the loan detail of the enterprise to be made loans according to the risk class；
Issuing unit 540, for sending the loan detail to the electronic equipment, the loan detail is checked in prompt,
When receiving the confirmation instruction for being directed to the loan detail that the electronic equipment uploads, by what is marked in the loan detail
The amount of the loan is delivered to the electronic account in the information input page.
In a possible example, the loan requests are being answered, are determining loan stream corresponding with business loan request
Cheng Shi, receiving unit 510, is specifically used for: parsing the business loan request, determines whether the business loan request carries
Loan process identification, if so, the first loan process corresponding with the loan process identification is extracted, by the first loan process
Labeled as loan process corresponding with business loan request, asked if not, sending the business loan to office manager's equipment
It asks, prompt service manager is the corresponding loan process of loan requests configuration, receives the from office manager's equipment
The second loan Process Markup is loan process corresponding with business loan request by two loan processes.
In a possible example, when sending the information acquisition page to the electronic equipment, extraction unit 520,
It is specifically used for: optical character identification OCR software is embedded in the information acquisition page, the OCR software includes identity card OCR soft
The combination of part, bank card OCR software, business license OCR software, face OCR software one or several kinds；And it is used for described
Electronic equipment sends the information acquisition page for being embedded with OCR software, so that the electronic device user is defeated using the OCR software
Enter data information.
In a possible example, server 500 further includes comparing unit 550；
Before carrying out risk analysis to the data information, comparing unit 550 is used for from database described in extraction
The standard data information of loan flow specification, the data information inputted in the information input page and the standard data are believed
Breath is compared, and obtains the shortage of data degree of the data information inputted in the information input page, such as the shortage of data degree
Greater than threshold value, Xiang Suoshu electronic equipment sends the prompt information of loan failure and updates information, such as shortage of data
Degree is less than or equal to the threshold value, and notifier processes unit 540 executes the operation that risk analysis is carried out to the data information.
In a possible example, risk analysis is being carried out to the data information, is obtaining the risk etc. of enterprise to be made loans
When grade, processing unit 540 is specifically used for: obtaining preset multiple assessment dimensions；And for being extracted from the data information
Characteristic information under each assessment dimension determines the risk under each assessment dimension according to the characteristic information under each assessment dimension
Grade；And for obtaining to the preset weight coefficient of each assessment dimension, to the risk under each assessment dimension
Grade is weighted processing, obtains the risk index of enterprise to be made loans.
In a possible example, when in the loan detail including the amount of the loan, true according to the risk class
When the loan detail of the fixed business loan request, processing unit 540 is specifically used for: determining that the risk class is corresponding can
Use loan limit；And for extracting the application loan limit in the information input page；And for that can be used described in comparison
Loan limit and the application loan limit can use loan limit as described in being less than or equal to the application loan limit, will
The application loan limit is labeled as the amount of the loan, and loan limit can be used as described in being greater than the application loan limit, will
It is described to be labeled as the amount of the loan with loan limit.
In a possible example, before the loan detail for determining the enterprise to be made loans according to the risk class,
Extraction unit 520 is also used to extract the identification information of the enterprise to be made loans from the data information；And for according to institute
The current loan state that identification information obtains the enterprise to be made loans is stated, is determined based on the current loan state described wait make loans
Total amount of having provided a loan on the line of enterprise and the loan total amount under the loan process；When including in the loan detail
When loan mode, described when the loan detail for the enterprise that makes loans, processing unit 540 is being determined according to the risk class, specifically
For: determine the corresponding available loan limit of the risk class；And for loan limit and the line can be used by described in
The sum of loan limit is labeled as first amount of money, will described in can be with loan limit and described the sum of total amount of having provided a loan labeled as the
Two amount of money；And for when first amount of money is less than the first limit, such as second amount of money to be less than or equal to the second limit
The loan mode flag is independent lending mode by volume, and such as second amount of money is greater than second limit, by the loan
Mode flag is joint lending mode, the lending object of the joint lending mode be loan platform belonging to the server with
And there are other loan platforms of cooperative relationship with the loan platform, wherein first limit is to business loan amount
Limit, second limit is the loan platform to the limit of business loan amount.
The embodiment of the present application also provides a kind of computer storage medium, wherein computer storage medium storage is for electricity
The computer program of subdata exchange, it is as any in recorded in above method embodiment which execute computer
Some or all of method of data step on a kind of processing line.
The embodiment of the present application also provides a kind of computer program product, and the computer program product includes storing calculating
The non-transient computer readable storage medium of machine program, the computer program are operable to that computer is made to execute such as above-mentioned side
Some or all of method of data step on any processing line recorded in method embodiment.
It should be noted that for the various method embodiments described above, for simple description, therefore, it is stated as a series of
Combination of actions, but those skilled in the art should understand that, the application is not limited by the described action sequence because
According to the application, some steps may be performed in other sequences or simultaneously.Secondly, those skilled in the art should also know
It knows, embodiment described in this description belongs to alternative embodiment, related actions and modules not necessarily the application
It is necessary.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment
Point, reference can be made to the related descriptions of other embodiments.
In several embodiments provided herein, it should be understood that disclosed device, it can be by another way
It realizes.For example, the apparatus embodiments described above are merely exemplary, such as the division of the unit, it is only a kind of
Logical function partition, there may be another division manner in actual implementation, such as multiple units or components can combine or can
To be integrated into another system, or some features can be ignored or not executed.Another point, shown or discussed is mutual
Coupling, direct-coupling or communication connection can be through some interfaces, the indirect coupling or communication connection of device or unit,
It can be electrical 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.Above-mentioned integrated list
Member both can take the form of hardware realization, can also be realized in the form of software program module.
If the integrated unit is realized in the form of software program module and sells or use as independent product
When, it can store in a computer-readable access to memory.Based on this understanding, the technical solution of the application substantially or
Person says that all or part of the part that contributes to existing technology or the technical solution can body in the form of software products
Reveal and, which is stored in a memory, including some instructions are used so that a computer equipment
(can be personal computer, server or network equipment etc.) executes all or part of each embodiment the method for the application
Step.And memory above-mentioned includes: USB flash disk, read-only memory (ROM, Read-Only Memory), random access memory
The various media that can store program code such as (RAM, Random Access Memory), mobile hard disk, magnetic or disk.
Those of ordinary skill in the art will appreciate that all or part of the steps in the various methods of above-described embodiment is can
It is completed with instructing relevant hardware by program, which can store in a computer-readable memory, memory
May include: flash disk, read-only memory (English: Read-Only Memory, referred to as: ROM), random access device (English:
Random Access Memory, referred to as: RAM), disk or CD etc..
The embodiment of the present application is described in detail above, specific case used herein to the principle of the application and
Embodiment is expounded, the description of the example is only used to help understand the method for the present application and its core ideas；
At the same time, for those skilled in the art can in specific embodiments and applications according to the thought of the application
There is change place, in conclusion the contents of this specification should not be construed as limiting the present application.
Claims (10)
1. a kind of method of data on processing line, which is characterized in that the described method includes:
Server receives the business loan request from electronic equipment, responds the business loan request, the determining and enterprise
The corresponding loan process of loan requests；
The server extracts information acquisition page corresponding with the loan process, and Xiang Suoshu electronic equipment sends the information
The page is obtained, prompts to input data information corresponding with the loan process in the information acquisition page；
The server receives the information input page that the electronic equipment is submitted, and input is extracted from the information input page
Data information, to the data information carry out risk analysis, obtain enterprise to be made loans corresponding with business loan request
Risk class, the loan detail of the enterprise to be made loans is determined according to the risk class；
The server sends the loan detail to the electronic equipment, prompts to check the loan detail, receiving
When stating the confirmation instruction for being directed to the loan detail of electronic equipment upload, the amount of the loan marked in the loan detail is sent out
Put the electronic account into the information input page.
2. the method according to claim 1, wherein the response loan requests, the determining and enterprise
The corresponding loan process of loan requests specifically includes:
The business loan request is parsed, determines whether the business loan request carries loan process identification, if so, extracting
The first loan Process Markup is to ask with the business loan by the first loan process corresponding with the loan process identification
Corresponding loan process is sought, if not, sending the business loan request to office manager's equipment, prompt service manager is the loan
The corresponding loan process of money request configuration receives the second loan process from office manager's equipment, described second is borrowed
Money Process Markup is loan process corresponding with business loan request.
3. method according to claim 1 or 2, which is characterized in that described to be obtained to the electronic equipment transmission information
The page is taken to specifically include:
Optical character identification OCR software is embedded in the information acquisition page, the OCR software includes identity card OCR software, silver
The combination of row card OCR software, business license OCR software, face OCR software one or several kinds；
The information acquisition page for being embedded with OCR software is sent, to the electronic equipment so that the electronic device user utilizes institute
State OCR software input data information.
4. method according to claim 1-3, which is characterized in that described to carry out risk to the data information
Before analysis, the method also includes:
The standard data information of the loan flow specification, the money that will be inputted in the information input page are extracted from database
Material information is compared with the standard data information, and the data for obtaining the data information inputted in the information input page lack
Mistake degree, such as the shortage of data degree are greater than threshold value, and Xiang Suoshu electronic equipment sends loan failure and updates information mentions
Show information, such as the shortage of data degree is less than or equal to the threshold value, executes and carries out risk analysis to the data information
Operation.
5. according to the method described in claim 4, it is characterized in that, it is described to the data information carry out risk analysis, obtain
The risk class of enterprise to be made loans specifically includes:
Obtain preset multiple assessment dimensions；
From the characteristic information extracted in the data information under each assessment dimension, according to the characteristic information under each assessment dimension
Determine the risk class under each assessment dimension；
It obtains to the preset weight coefficient of each assessment dimension, the risk class under each assessment dimension is added
Power processing, obtains the risk index of enterprise to be made loans.
6. the method according to claim 1, wherein when in the loan detail include the amount of the loan when, it is described
Determine that the loan detail of the business loan request specifically includes according to the risk class:
Determine the corresponding available loan limit of the risk class；
Extract the application loan limit in the information input page；
Loan limit and the application loan limit can be used described in comparing, as described in being less than or equal to the application loan limit
Loan limit can be used, the application loan limit is labeled as the amount of the loan, as described in being greater than the application loan limit
Loan limit can be used, the amount of the loan can be labeled as with loan limit by described in.
7. the method according to claim 1, wherein described determining described wait make loans according to the risk class
Before the loan detail of enterprise, the method also includes:
The identification information of the enterprise to be made loans is extracted from the data information；
The current loan state that the enterprise to be made loans is obtained according to the identification information, is determined based on the current loan state
Total amount of having provided a loan on the line of the enterprise to be made loans and the loan total amount under the loan process；
When in the loan detail including loan mode, the loan that the enterprise to be made loans is determined according to the risk class
Money detail specifically includes:
Determine the corresponding available loan limit of the risk class；
By described in loan value can be used by described with the sum of loan limit is labeled as first amount of money in loan limit and the line
Degree is with described the sum of total amount of having provided a loan labeled as second amount of money；
When first amount of money is less than the first limit, such as second amount of money is less than or equal to the second limit, by the loan
Money mode flag is independent lending mode, and such as second amount of money is greater than second limit, is by the loan mode flag
Joint lending mode, the lending object of the joint lending mode be loan platform belonging to the server and with the loan
Money platform has other loan platforms of cooperative relationship, wherein first limit is the limit to business loan amount, described
Second limit is limit of the loan platform to business loan amount.
8. a kind of server, which is characterized in that the server includes:
Receiving unit responds the business loan request, determining and institute for receiving the business loan request from electronic equipment
It states business loan and requests corresponding loan process；
Extraction unit, for extracting corresponding with loan process information acquisition page, described in the transmission of Xiang Suoshu electronic equipment
Information acquisition page prompts to input data information corresponding with the loan process in the information acquisition page；
Processing unit, the information input page submitted for receiving the electronic equipment, is extracted from the information input page
The data information of input carries out risk analysis to the data information, obtains corresponding wait make loans with business loan request
The risk class of enterprise determines the loan detail of the enterprise to be made loans according to the risk class；
Issuing unit is prompted to check the loan detail, received for sending the loan detail to the electronic equipment
The electronic equipment upload for the loan detail confirmation instruction when, the amount of the loan that will mark in the loan detail
The electronic account being delivered in the information input page.
9. a kind of server, which is characterized in that including processor, memory, communication interface and one or more program,
In, one or more of programs are stored in the memory, and are configured to be executed by the processor, described program
Include the steps that requiring the instruction in any one of 1-7 method for perform claim.
10. a kind of computer readable storage medium, which is characterized in that it is used to store computer program, wherein the computer
Program is executed by processor, to realize the method according to claim 1 to 7.
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| CN112037039A (en) * | 2020-09-02 | 2020-12-04 | 中国银行股份有限公司 | Loan assessment method and device |
| CN112767061A (en) * | 2019-10-21 | 2021-05-07 | 贝壳技术有限公司 | Method and device for automatically identifying house property transaction risk |
| CN113438075A (en) * | 2021-06-25 | 2021-09-24 | 四川新网银行股份有限公司 | Multi-head sequence diagram calculation method based on secret sharing algorithm and storage medium |
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