CN110349016A - Client's accrediting amount measuring method and system - Google Patents
Client's accrediting amount measuring method and system Download PDFInfo
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- CN110349016A CN110349016A CN201910660879.5A CN201910660879A CN110349016A CN 110349016 A CN110349016 A CN 110349016A CN 201910660879 A CN201910660879 A CN 201910660879A CN 110349016 A CN110349016 A CN 110349016A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/953—Querying, e.g. by the use of web search engines
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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
Abstract
This application discloses a kind of client's accrediting amount measuring method and device, head office's server obtains the authorization message for the direct-connected data of inquiry that business ownership row terminal is sent；Head office's server issues direct-connected data query to level-one branch office service device corresponding with business ownership row terminal and instructs；The level-one branch office service device executes the direct-connected data query instruction and generates direct-connected data query result, includes common reserve fund query result, social security query result, tax revenue query result and branch's characteristic query result in the direct-connected data query result；The direct-connected data query result is sent to head office's server by the level-one branch office service device；Head office's server receives the direct-connected data query result that the level-one branch office service device is sent, and calculates client's accrediting amount according to the direct-connected data query result.Based on the above method and device, the information such as common reserve fund, social security, the tax of client can be obtained, according to above- mentioned information calculate client can loan limit it is more accurate.
Description
Technical field
This application involves technical field of data processing, and more specifically, it relates to a kind of client's accrediting amount measuring methods
And system.
Background technique
In recent years, fast-developing internet financial industry has effectively pushed banking mode and products innovation paces.
Country also launches respectively policy, encourages bank by setting up consumer finance company, the innovation modes such as financial product and the means of services,
The supporting dynamics to personal consumption financing field is increased, puts forth effort to promote general favour finance level.Become to comply with internet financial development
Gesture and national policy, more and more banks release internet consumptive credit product (borrowing for example, net is prompt).
In internet consumptive credit product distribution process, need to calculate client's accrediting amount, in measuring and calculating client's accrediting amount
Before, bank needs to obtain client-related information, and appraising and deciding client according to client-related information can loan limit.Currently, bank obtains
Taking the mode of client-related information is, inquires the reference report of client, client-related information is therefrom parsed, alternatively, to bank
The data of storage inside are excavated, and client-related information is obtained.
Above two mode, due to can only fetching portion client-related information, the common reserve fund of such as client, social security, the tax
Etc. information can not obtain, will lead to the client that appraises and decides can loan limit inaccuracy.
Summary of the invention
In view of the above problems, it proposes on the application overcomes the above problem or at least be partially solved in order to provide one kind
State the client's accrediting amount measuring method and device of problem.Concrete scheme is as follows:
A kind of client's accrediting amount measuring method, which comprises
Head office's server obtains the authorization message for the direct-connected data of inquiry that business ownership row terminal is sent；
Head office's server issues direct-connected data query to level-one branch office service device corresponding with business ownership row terminal
Instruction；
The level-one branch office service device executes the direct-connected data query instruction and generates direct-connected data query result, described straight
It even include common reserve fund query result, social security query result, tax revenue query result and the inquiry of branch's characteristic in data query result
As a result；
The direct-connected data query result is sent to head office's server by the level-one branch office service device；
Head office's server receives the direct-connected data query result that the level-one branch office service device is sent, and according to described
Direct-connected data query result calculates client's accrediting amount.
Optionally, the level-one branch office service device executes the direct-connected data query instruction and generates direct-connected data query knot
Fruit, comprising:
The level-one branch office service device sends common reserve fund inquiry request to common reserve fund centring system, and receives the common reserve fund
The common reserve fund query result that centring system is sent；
The level-one branch office service device sends social security inquiry request to social security centring system, and receives and feel concerned about in the social security
The social security query result that system is sent；
The level-one branch office service device sends tax revenue inquiry request to tax data system and receives the tax data system
The tax revenue query result that system is sent；
The level-one branch office service device generates branch's characteristic query result.
Optionally, head office's server obtain the direct-connected data of inquiry that business ownership row terminal is sent authorization message it
Before, the method also includes:
Business ownership row terminal receives the loan application that the client sends；
Business belongs to row terminal display authorized agreement option corresponding with the loan application, so that the client passes through institute
It states authorized agreement option and generates the authorization message for inquiring direct-connected data.
Optionally, after business ownership row terminal receives the loan application that the client sends, the method is also
Include:
Judge the history loan application information of the client；
It is whether abnormal according to the loan application for determining client's transmission in the history loan application information；
If abnormal, the prompt information for generating refusal loan is shown.
Optionally, head office's server receive direct-connected data query result that the level-one branch office service device is sent it
Afterwards, the method also includes:
The direct-connected data query result that the level-one branch office service device is sent is shown.
A kind of client's accrediting amount calculating system, the system comprises: business belong to row terminal, head office's server and with institute
State the corresponding level-one branch office service device of business ownership row terminal；
Head office's server is used to obtain the authorization message for the direct-connected data of inquiry that the business ownership row terminal is sent,
Direct-connected data query instruction is issued to the level-one branch office service device；
The level-one branch office service device generates direct-connected data query result, institute for executing the direct-connected data query instruction
State includes common reserve fund query result, social security query result, tax revenue query result and branch's characteristic in direct-connected data query result
Query result；And the direct-connected data query result is sent to head office's server；
Head office's server is also used to receive the direct-connected data query result that the level-one branch office service device is sent, and root
Client's accrediting amount is calculated according to the direct-connected data query result.
Optionally, the level-one branch office service implement body is used for:
Common reserve fund inquiry request is sent to common reserve fund centring system, and receives the public affairs product that the common reserve fund centring system is sent
Golden query result；
Social security inquiry request is sent to social security centring system, and receives the social security inquiry knot that the social security centring system is sent
Fruit；
Tax revenue inquiry request is sent to tax data system and receives the tax revenue inquiry knot that the tax data system is sent
Fruit；
Generate branch's characteristic query result.
Optionally, the business ownership row terminal is also used to:
Before the authorization message that head office's server obtains the direct-connected data of inquiry that client sends, receives the client and send
Loan application；Authorized agreement option corresponding with the loan application is shown, so that the client passes through the authorized agreement
Option generates the authorization message for inquiring direct-connected data.
Optionally, the business ownership row terminal is also used to:
After business ownership row terminal receives the loan application that the client sends, the history of the client is judged
Loan application information；It is whether abnormal according to the loan application for determining client's transmission in the history loan application information；Such as
Fruit is abnormal, then the prompt information for generating refusal loan is shown.
Optionally, head office's server is also used to:
After the direct-connected data query result that head office's server receives that the level-one branch office service device is sent, by institute
The direct-connected data query result for stating the transmission of level-one branch office service device is shown.
By above-mentioned technical proposal, this application discloses a kind of client's accrediting amount measuring method and device, head office's services
Device obtains the authorization message for the direct-connected data of inquiry that business ownership row terminal is sent；Head office's server belongs to row to the business
The corresponding level-one branch office service device of terminal issues direct-connected data query instruction；The level-one branch office service device executes the direct-connected number
Direct-connected data query result is generated according to inquiry instruction, includes common reserve fund query result, social security in the direct-connected data query result
Query result, tax revenue query result and branch's characteristic query result；The level-one branch office service device looks into the direct-connected data
It askes result and is sent to head office's server；Head office's server receives the direct-connected data that the level-one branch office service device is sent
Query result, and client's accrediting amount is calculated according to the direct-connected data query result.Based on the above method and device, can obtain
Take the information such as common reserve fund, social security, the tax of client, according to above- mentioned information calculate client can loan limit it is more accurate.
Above description is only the general introduction of technical scheme, in order to better understand the technological means of the application,
And it can be implemented in accordance with the contents of the specification, and in order to allow above and other objects, features and advantages of the application can
It is clearer and more comprehensible, below the special specific embodiment for lifting the application.
Detailed description of the invention
By reading the following detailed description of the preferred embodiment, various other advantages and benefits are common for this field
Technical staff will become clear.The drawings are only for the purpose of illustrating a preferred embodiment, and is not considered as to the application
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings:
Fig. 1 is a kind of flow diagram of client's accrediting amount measuring method provided by the embodiments of the present application；
Fig. 2 is a kind of structural schematic diagram of client's accrediting amount calculating system provided by the embodiments of the present application.
Specific embodiment
Exemplary embodiments of the present disclosure are described in more detail below with reference to accompanying drawings.Although showing the disclosure in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
It is limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
It is fully disclosed to those skilled in the art.
Present inventor has found during realizing application scheme, bank can dock outreach system (that is, bank with
The system of the third-party institutions such as outer common reserve fund centring system, social security centring system, tax data system), agree in client authorization
Under the premise of, bank can obtain the information such as common reserve fund, social security, the tax of client by real-time query outreach system, with accordingly
Appraising and deciding client can loan limit.But common reserve fund information, social security information, tax information have in each outreach system it is different
Storage mode and different data structures, bank need to provide unified interface specification to common reserve fund information, social security information,
Tax information is docked and is used.It will be illustrated in detail by way of the following examples below.
Attached drawing 1 is please referred to, Fig. 1 is a kind of process signal of client's accrediting amount measuring method provided by the embodiments of the present application
Figure, described method includes following steps:
S101: head office's server obtains the authorization message for the direct-connected data of inquiry that business ownership row terminal is sent；
It should be noted that obtaining the authorization letter for the direct-connected data of inquiry that business ownership row terminal is sent in head office's server
Before breath, the method also includes:
Business ownership row terminal receives the loan application that the client sends；
Business belongs to row terminal display authorized agreement option corresponding with the loan application, so that the client passes through institute
It states authorized agreement option and generates the authorization message for inquiring direct-connected data.
Need further exist for explanation, business ownership row terminal receive loan application that the client sends it
Afterwards, the method also includes:
Judge the history loan application information of the client；
It is whether abnormal according to the loan application for determining client's transmission in the history loan application information；
If abnormal, the prompt information for generating refusal loan is shown.
S102: head office's server issues direct-connected data to level-one branch office service device corresponding with business ownership row terminal
Inquiry instruction；
S103: the level-one branch office service device executes the direct-connected data query instruction and generates direct-connected data query result,
It include that common reserve fund query result, social security query result, tax revenue query result and branch are special in the direct-connected data query result
Color query result；
Level-one branch office service device sends inquiry request to outreach system, and outreach system returns to query result.The present invention is implemented
Example in, level-one branch office service device can to outreach system send inquiry request include common reserve fund inquiry request, social security inquiry request,
It is any one or more in tax revenue inquiry request, correspondingly, the query result message that outreach system returns includes common reserve fund inquiry
As a result, social security query result, any one or more in tax revenue query result.In addition, level-one branch office service device can also be inquired certainly
Body data generate branch's characteristic query result.
S104: the direct-connected data query result is sent to head office's server by the level-one branch office service device；
S105: head office's server receives the direct-connected data query result that the level-one branch office service device is sent, and root
Client's accrediting amount is calculated according to the direct-connected data query result.
It is described after the direct-connected data query result that head office's server receives that the level-one branch office service device is sent
Method further include: be shown the direct-connected data query result that the level-one branch office service device is sent.
A kind of client's accrediting amount measuring method disclosed in the present embodiment, head office's server obtain business ownership row terminal hair
The authorization message for the direct-connected data of inquiry sent；Head office's server to the corresponding level-one branch office service of business ownership row terminal
Device issues direct-connected data query instruction；The level-one branch office service device executes the direct-connected data query instruction and generates direct-connected data
Query result, include in the direct-connected data query result common reserve fund query result, social security query result, tax revenue query result with
And branch's characteristic query result；The direct-connected data query result is sent to the head office and serviced by the level-one branch office service device
Device；Head office's server receives the direct-connected data query result that the level-one branch office service device is sent, and according to described direct-connected
Data query result calculates client's accrediting amount.Based on the above method, the letter such as common reserve fund, social security, tax of client can be obtained
Breath, according to above- mentioned information calculate client can loan limit it is more accurate.
Level-one branch office service device is described in further embodiment of this invention executes the direct-connected number of direct-connected data query instruction generation
It is specific as follows according to the implementation of query result:
The level-one branch office service device sends common reserve fund inquiry request to common reserve fund centring system, and receives the common reserve fund
The common reserve fund query result that centring system is sent；
The level-one branch office service device sends social security inquiry request to social security centring system, and receives and feel concerned about in the social security
The social security query result that system is sent；
The level-one branch office service device sends tax revenue inquiry request to tax data system and receives the tax data system
The tax revenue query result that system is sent；
The level-one branch office service device generates branch's characteristic query result.
It should be noted that being limited in the embodiment of the present application the message format of inquiry request and query result
It is fixed, specific as follows:
As an example, it is specific as follows that a kind of common reserve fund inquiry request message is provided in the application:
With above-mentioned common reserve fund inquiry request message example relative to common reserve fund query result message it is as follows:
Each field assignment is described as follows shown in table in common reserve fund inquiry request message and common reserve fund query result message:
It should be noted that having several DISTRICT in common reserve fund inquiry request message, in common reserve fund query result message
Just there are several FUND_RECORD.The concrete meaning of query result code QRY_COD can refer to error code dictionary table, in QRY_MSG
It can return to specific error message, facilitate positioning mistake.FUND_OWN_PCT and FUND_COM_PCT uses decimal, according to reference
The transmitting of middle ratio, for example personal pay that account for the value of 12%, FUND_OWN_PCT of payroll be exactly 0.12.FUND_FIR_MON
It is 6 with FUND_TO_MON field length, is expressed using days, such as 201610 indicates in October, 2016.FUND_MON_INT is not
It returns vacant, if do not interrupted, returns to 0.What FUND_QRY_ISTN was filled in is the C3 mechanism row for inquiring common reserve fund center
Number.Just the date is paid to have to be larger than 2 years.In the record (FUND_RECORD) of return, at least one record " pay to days
(FUND_FIR_MON) " in 6 months away from the present.There was only a record (FUND_RECORD) if returned and " pay to days
(FUND_FIR_MON) " it in 6 months, directly uses, otherwise in vain.If returning to the record for there are two or more, take first
" paying to days (FUND_FIR_MON) " two records nearest apart from current date are obtained, meets at least one and " pays to days
(FUND_FIR_MON) " in the case where in 6 months away from the present, merge and use.But the time interval of two records is more than 6
The moon only uses newest one.The sum of " pay to days-and just pay days " for effectively recording need to be more than or equal to 24, to ensure visitor
24 months common reserve funds were at least paid at family, otherwise cannot be used for credit calculating.It is accumulative to pay if only one is paid record
Deposit number (FUND_MON_DUR), it is necessary to cannot be less than 24 months；If branch return it is a plurality of effectively pay record, take nearest
Two, and nearest two accumulative the sum of number (FUND_MON_DUR) of paying cannot be less than 24 months.Return the result (QRY_
When COD) being only " success (0001) ", data could be used for credit calculating.Lowest-rank element ALTN2 is empty or lowest-rank element
The FUND_RECORD of ALTN2=01010000 is branch's common reserve fund query result, merges and uses.
It should be noted that social security inquiry request message, tax revenue inquiry request message, branch's characteristic inquiry request message
Structure can refer to the common reserve fund inquiry request message of above-mentioned example, and this embodiment is not repeated.Social security query result message, tax revenue
Query result message, branch's characteristic query result message structure can refer to above-mentioned example common reserve fund query result message, this reality
Example is applied to repeat no more.
Social security inquiry request message, tax revenue inquiry request message, branch's characteristic inquiry request message, social security are inquired below
As a result message, tax revenue query result message, branch's characteristic query result message field assignment explanation describe in detail.
Each field assignment is described as follows shown in table in social security inquiry request message and social security query result message:
It should be noted that query result code QRY_COD can refer to error code dictionary table.It can return to tool in QRY_MSG
The error message of body facilitates positioning mistake.Biography value is carried out according to data type dictionary table.One provincial and autonomous regional branches only returns to one and contains
Qualified social security pays stored FUND_RECORD result.If client has two an or more records, obtain first " pay to
Two records of the days (FUND_FIR_MON) " apart from current date recently, meet at least one and " pay to days (FUND_
FIR_MON in the case where) " in 3 months away from the present, by merging into one in lines.But the time interval of two records is more than 6
Only use newest one within a month.The radix of paying of social security client is exactly monthly income.Branch voluntarily determines monthly income lower limit (no
Less than 3000), client's monthly income is too low, returns error code " 0010 ".It " is paid to year in the record (FUND_RECORD) of return
The moon (FUND_FIR_MON) " is in 3 months away from the present.It is accumulative to pay number (FUND_MON_DUR), it is necessary to cannot be less than 24 months；
Return the result (QRY_COD) only for " success (0001) " when, data could be used for credit calculating.
Each field assignment is described as follows shown in table in tax inquiry request message and tax inquiry result message:
It should be noted that query result code QRY_COD can refer to error code dictionary table.It can return to tool in QRY_MSG
The error message of body facilitates positioning mistake.Biography value is carried out according to data type dictionary table.One provincial and autonomous regional branches only returns to one and contains
The FUND_RECORD result of qualified tax information.Branch voluntarily determines monthly income lower limit (being not less than 3000), client's monthly income
Too low, it returns error code " 0010 "." paid to days (FUND_FIR_MON) " in the record (FUND_RECORD) of return away from
In 3 months modern.It is accumulative to pay number (FUND_MON_DUR), it is necessary to cannot be less than 24 months；Return the result (QRY_COD) only
When for " success (0001) ", data could be used for credit calculating.
Each field assignment is described as follows shown in table in branch's characteristic query result message:
It should be noted that branch's characteristic query result message can carry out biography value according to data type dictionary table, specifically may be used
The pre- accrediting amount is transmitted, a provincial and autonomous regional branches only return to the FUND_RECORD result containing the pre- accrediting amount of highest.Return to knot
When fruit (QRY_COD) is only " success (0001) ", data could be used for credit calculating.
Each FUND_RECORD includes all lowest-rank elements in the query result message that level-one branch returns.Junior
The FUND_RECORD of element QRY_COD=0001 is the query result message calculated for credit.
Attached drawing 2 is please referred to, Fig. 2 is a kind of structural representation of client's accrediting amount calculating system provided by the embodiments of the present application
Figure, the system comprises: business belongs to row terminal 21, head office's server 22 and level-one corresponding with business ownership row terminal
Branch office service device 23；
Head office's server is used to obtain the authorization message for the direct-connected data of inquiry that the business ownership row terminal is sent,
Direct-connected data query instruction is issued to the level-one branch office service device；
The level-one branch office service device generates direct-connected data query result, institute for executing the direct-connected data query instruction
State includes common reserve fund query result, social security query result, tax revenue query result and branch's characteristic in direct-connected data query result
Query result；And the direct-connected data query result is sent to head office's server；
Head office's server is also used to receive the direct-connected data query result that the level-one branch office service device is sent, and root
Client's accrediting amount is calculated according to the direct-connected data query result.
Optionally, the level-one branch office service implement body is used for:
Common reserve fund inquiry request is sent to common reserve fund centring system, and receives the public affairs product that the common reserve fund centring system is sent
Golden query result；
Social security inquiry request is sent to social security centring system, and receives the social security inquiry knot that the social security centring system is sent
Fruit；
Tax revenue inquiry request is sent to tax data system and receives the tax revenue inquiry knot that the tax data system is sent
Fruit；
Generate branch's characteristic query result.
Optionally, the business ownership row terminal is also used to:
Before the authorization message that head office's server obtains the direct-connected data of inquiry that client sends, receives the client and send
Loan application；Authorized agreement option corresponding with the loan application is shown, so that the client passes through the authorized agreement
Option generates the authorization message for inquiring direct-connected data.
Optionally, the business ownership row terminal is also used to:
After business ownership row terminal receives the loan application that the client sends, the history of the client is judged
Loan application information；It is whether abnormal according to the loan application for determining client's transmission in the history loan application information；Such as
Fruit is abnormal, then the prompt information for generating refusal loan is shown.
Optionally, head office's server is also used to:
After the direct-connected data query result that head office's server receives that the level-one branch office service device is sent, by institute
The direct-connected data query result for stating the transmission of level-one branch office service device is shown.
It should be noted that the specific implementation of above-mentioned each terminal is described in detail in embodiment of the method, please specifically join
See the related content in embodiment of the method, this embodiment is not repeated.
It should be understood by those skilled in the art that, embodiments herein can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the application
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the application, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The application is referring to method, the process of equipment (system) and computer program product according to the embodiment of the present application
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/
Or the forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable Jie
The example of matter.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including element
There is also other identical elements in process, method, commodity or equipment.
It will be understood by those skilled in the art that embodiments herein can provide as method, system or computer program product.
Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application
Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code
The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
Formula.
The above is only embodiments herein, are not intended to limit this application.To those skilled in the art,
Various changes and changes are possible in this application.It is all within the spirit and principles of the present application made by any modification, equivalent replacement,
Improve etc., it should be included within the scope of the claims of this application.
Claims (10)
1. a kind of client's accrediting amount measuring method, which is characterized in that the described method includes:
Head office's server obtains the authorization message for the direct-connected data of inquiry that business ownership row terminal is sent；
Head office's server issues direct-connected data query to level-one branch office service device corresponding with business ownership row terminal and instructs；
The level-one branch office service device executes the direct-connected data query instruction and generates direct-connected data query result, the direct-connected number
According in query result include common reserve fund query result, social security query result, tax revenue query result and branch's characteristic query result；
The direct-connected data query result is sent to head office's server by the level-one branch office service device；
Head office's server receives the direct-connected data query result that the level-one branch office service device is sent, and according to described direct-connected
Data query result calculates client's accrediting amount.
2. method according to claim 1, which is characterized in that the level-one branch office service device executes the direct-connected data
Inquiry instruction generates direct-connected data query result, comprising:
The level-one branch office service device sends common reserve fund inquiry request to common reserve fund centring system, and receives the common reserve fund center
The common reserve fund query result that system is sent；
The level-one branch office service device sends social security inquiry request to social security centring system, and receives the social security centring system hair
The social security query result sent；
The level-one branch office service device sends tax revenue inquiry request to tax data system and receives the tax data system hair
The tax revenue query result sent；
The level-one branch office service device generates branch's characteristic query result.
3. the method according to claim 1, wherein obtaining what business ownership row terminal was sent in head office's server
It inquires before the authorization message of direct-connected data, the method also includes:
Business ownership row terminal receives the loan application that the client sends；
Business belongs to row terminal display authorized agreement option corresponding with the loan application, so that the client is awarded by described
It weighs protocol option and generates the authorization message for inquiring direct-connected data.
4. according to the method described in claim 3, being sent it is characterized in that, receiving the client in business ownership row terminal
Loan application after, the method also includes:
Judge the history loan application information of the client；
It is whether abnormal according to the loan application for determining client's transmission in the history loan application information；
If abnormal, the prompt information for generating refusal loan is shown.
5. the method according to claim 1, wherein receiving the level-one branch office service in head office's server
After the direct-connected data query result that device is sent, the method also includes:
The direct-connected data query result that the level-one branch office service device is sent is shown.
6. a kind of client's accrediting amount calculating system, which is characterized in that the system comprises: business belongs to row terminal, head office's clothes
Business device and level-one branch office service device corresponding with business ownership row terminal；
Head office's server is used to obtain the authorization message for the direct-connected data of inquiry that the business ownership row terminal is sent, to institute
It states level-one branch office service device and issues direct-connected data query instruction；
The level-one branch office service device generates direct-connected data query result for executing the direct-connected data query instruction, described straight
It even include common reserve fund query result, social security query result, tax revenue query result and the inquiry of branch's characteristic in data query result
As a result；And the direct-connected data query result is sent to head office's server；
Head office's server is also used to receive the direct-connected data query result that the level-one branch office service device is sent, and according to institute
State direct-connected data query result measuring and calculating client's accrediting amount.
7. system according to claim 6, which is characterized in that the level-one branch office service implement body is used for:
Common reserve fund inquiry request is sent to common reserve fund centring system, and receives the common reserve fund that the common reserve fund centring system is sent and looks into
Ask result；
Social security inquiry request is sent to social security centring system, and receives the social security query result that the social security centring system is sent；
Tax revenue inquiry request is sent to tax data system and receives the tax revenue query result that the tax data system is sent；
Generate branch's characteristic query result.
8. system according to claim 6, which is characterized in that the business ownership row terminal is also used to:
Before the authorization message that head office's server obtains the direct-connected data of inquiry that client sends, the loan that the client sends is received
Money application；Authorized agreement option corresponding with the loan application is shown, so that the client passes through the authorized agreement option
Generate the authorization message for inquiring direct-connected data.
9. system according to claim 8, which is characterized in that the business ownership row terminal is also used to:
After business ownership row terminal receives the loan application that the client sends, the history loan of the client is judged
Application information；It is whether abnormal according to the loan application for determining client's transmission in the history loan application information；If different
Often, then the prompt information for generating refusal loan is shown.
10. system according to claim 6, which is characterized in that head office's server is also used to:
After the direct-connected data query result that head office's server receives that the level-one branch office service device is sent, by described one
The direct-connected data query result that grade branch's server is sent is shown.
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