CN110503545A - Loan is independently into part method, terminal device, storage medium and device - Google Patents
Loan is independently into part method, terminal device, storage medium and device Download PDFInfo
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- CN110503545A CN110503545A CN201910623600.6A CN201910623600A CN110503545A CN 110503545 A CN110503545 A CN 110503545A CN 201910623600 A CN201910623600 A CN 201910623600A CN 110503545 A CN110503545 A CN 110503545A
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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
The present invention relates to process optimization fields, disclose a kind of provide a loan independently into part method, terminal device, storage medium and device；The demand for loan information for the target user that the present invention is inputted by acquisition in the loan application page extracts multiple loans marks；It is constructed according to the corresponding each target loan code section of each loan mark and loads target loan process；Expected loan quota is generated according to the loan qualifications information of the target user, loan application is generated according to expected loan quota；Loan application is sent to server, so that server determines the loan transaction type that target user needs to handle according to loan application, and it is carried out according to the loan transaction type independently into part, loan process can be changed according to different demand for loan dynamics, installation loan application program is not needed, loan examination & approval percent of pass is improved, user is realized independently into the availability of part and flexibility, promotes the speed and efficiency of loan.
Description
Technical field
The present invention relates to process optimization fields, more particularly to loan is independently into part method, terminal device, storage medium and dress
It sets.
Background technique
For existing loan application process, loan application process CIMS is fixed, and can not be changed, and new loan is occurring
It needs to write code again when application request, and is generally required under the guidance of customer manager in actual operation, Login Register
Corresponding loan computer applied algorithm (Application, APP), carries out loan operation step by step, if directly applying,
It is longer to examine the time, and examination & approval percent of pass is lower, the borrowing needs of user are unable to get satisfaction, and consume a large amount of audit resources
And the time.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
The main purpose of the present invention is to provide loans independently into part method, terminal device, storage medium and device, it is intended to
It is complicated for operation to solve existing loan application, the examination & approval time is longer, and examination & approval percent of pass is lower, and the borrowing needs of user are unable to get
The technical issues of meeting, and consuming a large amount of audit resources and time.
To achieve the above object, the present invention provides a kind of loan independently into part method, and the loan is independently into part method packet
Include following steps:
The corresponding loan application page is jumped to according to target two dimensional code；
The demand for loan information for obtaining the target user inputted in the loan application page, from the demand for loan information
It is middle to extract multiple loan marks；
Target loan code section corresponding with each loan mark extracted is found in pre-set code library, according to what is found
Each target loan code section building target loan process, and load the target loan process；
The application documents picture for receiving the target user of the corresponding loan process, extracts the application documents picture
In loan qualifications information；
Expected loan quota is generated according to the loan qualifications information, loan is generated according to the expected loan quota
Application；
After receiving the target user to the determine instruction of the loan application, the loan application is sent to clothes
Business device, so that the server determines the loan transaction type that the target user needs to handle according to the loan application, and
It is carried out according to the loan transaction type independently into part.
Preferably, the application documents picture of the target user for receiving the corresponding loan process, described in extraction
Loan qualifications information in application documents picture, comprising:
The application documents picture for receiving the target user of the corresponding loan process, successively to the application documents figure
Piece carries out gray processing, binaryzation and noise reduction process, obtains image to be split；
Character cutting is carried out to the image to be split according to default segmentation rule, and will be after cutting according to pre-set dimension
Image is normalized, and obtains target image；
Feature extraction is carried out to the target image according to predetermined keyword, obtains target feature vector；
Classified according to default support vector machines to the target feature vector, classification results is obtained, according to described point
Class result generates loan qualifications information.
Preferably, described that expected loan quota is generated according to the loan qualifications information, according to the expected loan
Index generates loan application, comprising:
Extracted from the demand for loan information target user initial loan limit and the initial length of maturity；
The bank's flowing water information and mortgage information of the target user are extracted from the loan qualifications information；
Target credit record corresponding with the target user is searched in presupposed information database, to bank's flowing water
Information, the mortgage information and the target credit record are analyzed, and corresponding target credit grade is obtained；
Table, which is adjusted, according to pre-set level obtains amount adjusting parameter corresponding with the target credit grade and time limit adjustment
Parameter；
The initial loan limit is adjusted according to the amount adjusting parameter, obtains target loan limit, and root
The initial length of maturity is adjusted according to the time limit adjusting parameter, obtains the target length of maturity；
Expected loan quota is generated according to the target loan limit and the target length of maturity, according to the expected loan
Money index generates loan application.
Preferably, described that expected loan quota is generated according to the loan qualifications information, according to the expected loan
Before index generates loan application, the loan is independently into part method further include:
The default login authentication information that server is sent is received, login dynamic password and the login of the target user are obtained
Check code；
The login dynamic password and login check code are verified according to the default login authentication information, generation is tested
Demonstrate,prove result；
When verification result is to be verified, execution is described to be referred to according to the expected loan of loan qualifications information generation
The step of marking, loan application generated according to the expected loan quota.
It is preferably, described that the corresponding loan application page is jumped to according to target two dimensional code, comprising:
Target two dimensional code is identified, destination Uniform Resource finger URL and page resource data are obtained；
The loan application page is jumped to according to the destination Uniform Resource finger URL and the page resource data.
Preferably, described after receiving the target user to the determine instruction of the loan application, by the loan
Application is sent to server, so that the server determines the loan that the target user needs to handle according to the loan application
Type of service, and carried out according to the loan transaction type independently into part, comprising:
After receiving the target user to the determine instruction of the loan application, the loan application is sent to clothes
Business device, so that the server determines the loan transaction type that the target user needs to handle according to the loan application, and
According to the loan transaction type configuration and corresponding loan environment is run, to realize loan independently into part.
Preferably, described that expected loan quota is generated according to the loan qualifications information, according to the expected loan
After index generates loan application, the loan is independently into part method further include:
The current process information for obtaining the loan application in real time protects the loan application and the current process information
It deposits to presetting database；
When detecting that the target user logs on, the current process information in the presetting database is transferred, is jumped
Go to the corresponding current process page of current process information.
In addition, to achieve the above object, the present invention also proposes a kind of terminal device, the terminal device include memory,
Processor and be stored in the loan that can be run on the memory and on the processor independently into part program, the loan from
It is main into part program be arranged for carrying out loan as described above independently into part method the step of.
In addition, to achieve the above object, the present invention also proposes a kind of storage medium, loan is stored on the storage medium
Independently into part program, the loan realizes loan as described above independently into part side when being independently executed by processor into part program
The step of method.
In addition, to achieve the above object, the present invention also proposes a kind of loan independently into part device, and the loan is independently into part
Device includes:
Page jump module, for jumping to the corresponding loan application page according to target two dimensional code；
Process loading module, for obtaining the demand for loan information in the target user of loan application page input,
Target loan process is loaded according to the demand for loan information；
Apply for generation module, for generating expected loan quota according to the loan qualifications information, according to described pre-
Phase loan quota generates loan application；
Independently into part module, for after receiving the target user to the determine instruction of the loan application, by institute
It states loan application and is sent to server, so that the server determines that the target user needs to handle according to the loan application
Loan transaction type, and according to the loan transaction type carry out independently into part.
The present invention is by jumping to the corresponding loan application page according to target two dimensional code；It obtains in the loan application page
The demand for loan information of the target user of face input loads target loan process according to the demand for loan information；According to described
Qualifications information of providing a loan generates expected loan quota, generates loan application according to the expected loan quota；Receiving
After target user is stated to the determine instruction of the loan application, the loan application is sent to server, so that the service
Device determines the loan transaction type that the target user needs to handle according to the loan application, and according to the loan transaction class
Type independently can change loan process into part according to different demand for loan dynamics, solve simple loan process and fix, no
It is alterable, the problem of new demand needs re-written code, while installation loan application program is not needed, user is realized independently into part
Availability and flexibility, save loan examination & approval resource, promote the speed and efficiency of loan, improve loan examination & approval pass through
Rate meets the demand for loan of user.
Detailed description of the invention
Fig. 1 is the terminal device structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is present invention loan independently into the flow diagram of part method first embodiment；
Fig. 3 is present invention loan independently into the flow diagram of part method second embodiment；
Fig. 4 is present invention loan independently into the flow diagram of part method 3rd embodiment；
Fig. 5 is present invention loan independently into the structural block diagram of part device first embodiment.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Referring to Fig.1, Fig. 1 is the terminal device structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
As shown in Figure 1, the terminal device may include: processor 1001, such as CPU, communication bus 1002, user interface
1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is for realizing the connection communication between these components.
User interface 1003 may include display screen (Display), optional user interface 1003 can also include standard wireline interface,
Wireless interface, the wireline interface for user interface 1003 can be USB interface in the present invention.Network interface 1004 optionally may be used
To include standard wireline interface and wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, can also
To be stable memory (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be
Independently of the storage device of aforementioned processor 1001.
It will be understood by those skilled in the art that structure shown in Fig. 1 does not constitute the restriction to terminal device, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module, Subscriber Interface Module SIM and loan independently into part program.
In terminal device shown in Fig. 1, network interface 1004 is mainly used for connecting background server, takes with the backstage
Business device carries out data communication；User interface 1003 is mainly used for connecting peripheral hardware；The terminal device is called by processor 1001
The loan stored in memory 1005 executes loan provided in an embodiment of the present invention independently into part method independently into part program.
Based on above-mentioned hardware configuration, propose present invention loan independently into the embodiment of part method.
It is present invention loan independently into the flow diagram of part method first embodiment referring to Fig. 2, Fig. 2.
In the first embodiment, it is described loan independently into part method the following steps are included:
Step S10, the corresponding loan application page is jumped to according to target two dimensional code.
It should be noted that the target two dimensional code is the mobile terminal two dimensional code that customer manager is shared with target user,
General is to select client independently into after part function by the terminal device of customer manager, the two dimensional code of generation, and then target is used
The mobile terminal at family jumps to corresponding loan independently into the page of part, i.e., the described loan application page according to the target two dimensional code
Face.
Further, the step S10 specifically includes the following steps:
Target two dimensional code is identified, destination Uniform Resource finger URL and page resource data are obtained；
The loan application page is jumped to according to the destination Uniform Resource finger URL and the page resource data.
It is understood that by being identified to target two dimensional code, the corresponding system of the available target two dimensional code
One Resource Locator (Uniform Resource Locator, URL), and obtain the corresponding page money of the loan application page
Source data can jump to the loan application page according to the uniform resource locator and the page resource data and show institute
Page resource data are stated, does not need individually to download application program, solves since simple loan process is fixed, can not change, are met
To the problem of writing code again is needed when new demand for loan, the quick application of loan process is realized, the user experience is improved.
Step S20, the demand for loan information for obtaining the target user inputted in the loan application page, from the loan
Multiple loan marks are extracted in demand information.
It should be noted that the demand for loan information is target user by touching, clicking on operation circle of terminal device
The demand information that face or key-press input relevant information generate, the demand for loan information include the demand for loan of the target user
And userspersonal information, it is identified by the available corresponding loan of the demand for loan information, different loans, which identifies, to be corresponded to
Different loan sub-processes can be carried out orderly contingency table by loan mark by different item purpose loan sub-process
Note, to facilitate subsequent quick execution correlation loan operation.
Step S30, target loan code section corresponding with each loan mark extracted, root are found in pre-set code library
According to each target loan code section building target loan process found, and load the target loan process.
It is understood that the pre-set code library is pre-set for storing the database of various loan codes,
Each loan can be found by the pre-set code library and identifies corresponding target loan code section, according to each target found
Loan code section can construct corresponding loan process, and then personalized customization loan process may be implemented, to be more in line with
The demand for loan of user.
In the concrete realization, target loan process is directly loaded according to the demand for loan information except through terminal device
Outside, it can also be and obtaining target user after the loan application page is by clicking or filling in the demand for loan information of input, it can
The demand for loan information is sent to server, server analyzes the demand for loan information, according to the loan
Money demand information obtains corresponding loan flow data, the loan flow data is fed back to terminal device, and then will be described
The corresponding target loan process of loan flow data is loaded, naturally it is also possible to load the target loan by other means
Process, the present embodiment are without restriction to this.
Step S40, the application documents picture for receiving the target user of the corresponding loan process, extracts the application
Loan qualifications information in file, picture.
It should be understood that identifying by the application documents picture uploaded to the target user, institute can be obtained
Some important informations in application documents picture are stated, i.e. loan qualifications information, can usually pass through optical character identification
(Optical Character Recognition, OCR) method is believed to obtain the loan qualifications in application documents picture
Breath, can also obtain, the present embodiment is without restriction to this by other means certainly.
It is understood that the loan qualifications information is that user is defeated on the terminal device by the loan process
Corresponding loan application, the loan application can be generated by the loan qualifications information in the loan relevant information entered
For application form or application document with certain format, naturally it is also possible to be the file of other forms, the present embodiment to this not
It limits；The loan qualifications information includes but is not limited to bank's flowing water information, mortgage information, application amount letter
Breath, applicant's information, applicant spouse information, company information, legal representative's information, legal representative spouse information, bank
Card information, actual controller's information, actual controller spouse information, third-party guarantor, third-party guarantor spouse information,
The group that tripartite guarantee corporation information, frequent contact information, people's row reference information and image information etc. are one therein or several
It closes, wherein application amount information includes but is not limited to the amount of the loan, the length of maturity, the intended use of the loan and mode of repayment etc., the Shen
Information of asking someone includes but is not limited to name, identification card number, cell-phone number, highest educational background, home address and marital status etc..
Further, the step S40 specifically includes the following steps:
The application documents picture for receiving the target user of the corresponding loan process, successively to the application documents figure
Piece carries out gray processing, binaryzation and noise reduction process, obtains image to be split；
Character cutting is carried out to the image to be split according to default segmentation rule, and will be after cutting according to pre-set dimension
Image is normalized, and obtains target image；
Feature extraction is carried out to the target image according to predetermined keyword, obtains target feature vector；
Classified according to default support vector machines to the target feature vector, classification results is obtained, according to described point
Class result generates loan qualifications information.
It is understood that color image can be converted into gray scale by carrying out gray processing to the application documents picture
Image, and then gray level image is subjected to binary conversion treatment, i.e. acquisition image background and the text for needing to identify, and then will be to text
Identification has noisy noise and is filtered, and then obtains image to be split, the default segmentation rule be it is pre-set will
Text segmentation in image carries out character to the image to be split according to default segmentation rule and cuts at the rule of single text
Point, multiple single texts can be obtained, the pre-set dimension is pre-set character size, can by the pre-set dimension
It is the image after cutting to be normalized, i.e., single character image is regular under same size, it is convenient with after
Continuous feature extraction；The preset keyword is the pre-set keyword for selected characteristic vector, passes through preset keyword
The target feature vector of needs can be extracted, and then the target feature vector is divided according to default support vector machines
Class can obtain the corresponding classification results of different characteristic vector, and then generate corresponding loan qualification according to the classification results
Information is proved, if the dimension of target feature vector crosses higher position and needs to carry out Feature Dimension Reduction, to reduce unnecessary lengthy and jumbled letter
Breath.
Step S50, expected loan quota is generated according to the loan qualifications information, according to the expected loan quota
Generate loan application.
It should be understood that expected loan quota, i.e. comparison operators can be generated by the loan qualifications information
The actual conditions of target user are closed, the loan quota for having greater probability application successfully to provide a loan can by the default loan quota
To generate corresponding loan application, loan success rate is further ensured, and meets the demand for loan of target user.
Further, the step S50 specifically includes the following steps:
Extracted from the demand for loan information target user initial loan limit and the initial length of maturity；
The bank's flowing water information and mortgage information of the target user are extracted from the loan qualifications information；
Target credit record corresponding with the target user is searched in presupposed information database, to bank's flowing water
Information, the mortgage information and the target credit record are analyzed, and corresponding target credit grade is obtained；
Table, which is adjusted, according to pre-set level obtains amount adjusting parameter corresponding with the target credit grade and time limit adjustment
Parameter；
The initial loan limit is adjusted according to the amount adjusting parameter, obtains target loan limit, and root
The initial length of maturity is adjusted according to the time limit adjusting parameter, obtains the target length of maturity；
Expected loan quota is generated according to the target loan limit and the target length of maturity, according to the expected loan
Money index generates loan application.
It should be noted that initial loan limit and initial loan in the demand for loan information comprising the target user
Money time limit, i.e. target user wish amount and the time limit of the loan of application；It include the mesh in the loan qualifications information
The bank's flowing water information and mortgage information of user are marked, bank's flowing water information is the application text that the target user provides
The bank's flowing water managing detailed catalogue extracted in part picture, including the balance of deposits, monthly fund income and expenses, if the information such as be in debt；
The mortgage information is the details of guaranty or guaranty, i.e., the integrality, adequacy of guaranty and guaranty with
And value information of equal value etc.；The presupposed information database is shared with the personal reference information butt joint in personal credit system
Information database, by finding the target credit record corresponding with the target user in presupposed information database,
Bank's flowing water information, the mortgage information and the target credit record are analyzed, institute can be fully assessed
The banking power and loan repayment capacity of target user are stated, and then obtains corresponding target credit grade；Different credit grades is corresponding
Different loan limits and time limit, the pre-set level adjustment table are that the different credit grades of pre-set reflection and amount adjust
It is available with the target credit etc. to adjust table by the pre-set level for the mapping table of parameter and time limit adjusting parameter
The corresponding amount adjusting parameter of grade and time limit adjusting parameter, and then can be according to the amount adjusting parameter to the initial loan
Amount is adjusted, and obtains target loan limit, and adjust to the initial length of maturity according to the time limit adjusting parameter
It is whole, the target length of maturity is obtained, is referred to generate expected loan according to the target loan limit and the target length of maturity
Mark generates loan application according to the expected loan quota, further improves loan success rate, and meet target user's
Demand for loan.
Further, after the step S50, the loan is independently further comprising the steps of into part method:
The current process information for obtaining the loan application in real time protects the loan application and the current process information
It deposits to presetting database；
When detecting that the target user logs on, the current process information in the presetting database is transferred, is jumped
Go to the corresponding current process page of current process information.
It should be understood that obtaining and protecting in real time after generating loan application according to the loan qualifications information
Current process information is deposited, when target user logs on, the current process letter in the presetting database can be transferred at once
Breath, jumps to the corresponding current process page of current process information, to directly carry out corresponding operating, and does not have to continue to repeat to fill out
It writes loan qualifications information and repeats related procedure operation, further improve loan speed and efficiency, save loan
The time of money operation, the user experience is improved.
Step S60, after receiving the target user to the determine instruction of the loan application, by the loan application
It is sent to server, so that the server determines the loan transaction that the target user needs to handle according to the loan application
Type, and carried out according to the loan transaction type independently into part.
It is understood that is, target is used after receiving the target user to the determine instruction of the loan application
Family confirmation is applied according to the loan application that the expection loan quota of recommendation generates, and after user agrees to, loan application is sent
To server, the server is the server dedicated for handling loan application, can be local server, is also possible to cloud
Server is held, the present embodiment is without restriction to this；The server, can be to the loan after receiving the loan application
Money application is analyzed, and obtains the corresponding loan transaction type of the loan application, and then need to do according to the target user
The loan transaction type of reason is carried out according to different loan transaction types independently into part, in the concrete realization, described receiving
After target user is to the determine instruction of the loan application, after the loan application is sent to server, it can receive described
The loan of server feedback into part flow chart, and by it is described provide a loan into part flow chart display the page in show, it is described provide a loan into
Part flow chart determines corresponding loan flow data according to the loan application for the server, and loads the loan process
The flow chart that data generate realizes the saturating of loan flow monitoring so as to intuitively know the real-time progress of loan process
Brightization is conducive to administrative staff and loan process is managed and adjusted in real time.
The corresponding loan application page is jumped to according to target two dimensional code in the present embodiment；It obtains in the loan application page
The demand for loan information of the target user of face input loads target loan process according to the demand for loan information；According to described
Qualifications information of providing a loan generates expected loan quota, generates loan application according to the expected loan quota；Receiving
After target user is stated to the determine instruction of the loan application, the loan application is sent to server, so that the service
Device determines the loan transaction type that the target user needs to handle according to the loan application, and according to the loan transaction class
Type independently can change loan process into part according to different demand for loan dynamics, it is multiple to solve existing loan application operation
Miscellaneous, the examination & approval time is longer, and examination & approval percent of pass is lower, and the borrowing needs of user are unable to get satisfaction, and consume a large amount of audits
The problem of resource and time, at the same do not need installation loan application program, realize user independently into the availability of part and flexibly
Property, loan examination & approval resource is saved, the speed and efficiency of loan are promoted, improves loan examination & approval percent of pass, meets user's
Demand for loan.
It is present invention loan independently into the flow diagram of part method second embodiment referring to Fig. 3, Fig. 3, is based on above-mentioned Fig. 2
Shown in first embodiment, propose the present invention loan independently into the second embodiment of part method.
In second embodiment, before the step S50, the loan is independently further comprising the steps of into part method:
Step S501, the default login authentication information that server is sent is received, the login dynamic of the target user is obtained
Password and login check code；
The login dynamic password and login check code are verified according to the default login authentication information, generation is tested
Demonstrate,prove result.
It is understood that the default login authentication information is pre-set for verifying stepping on for the target user
Record state whether the authentication information of legitimate secure, pass through stepping on for the default available target user of login authentication information
It records dynamic password and logs in check code, default the login saved comprising the target user in the default login authentication information
Dynamic password and check code is logged in, it, can be with after obtaining the login dynamic password of the target user and logging in check code
The login dynamic password and login check code are verified according to the default login authentication information, generate verification result,
Whether life is matched with the relevant information in the default login authentication information according to the login dynamic password and login check code
At corresponding verification result, and then determine that the target loan process is manual operation or machine operation.
Step S502, it when verification result is to be verified, executes described according to loan qualifications information generation
It is expected that loan quota, the step of loan application is generated according to the expected loan quota.
It is understood that can determine whether the logging state of the target user is legal according to the verification result,
Determine whether the logging state of the target user is abnormal, and then determines whether to stop the target loan process, it is effectively anti-
Stop illegal loan requests informational influence normally to provide a loan process, occupied business processing resources, protects normal loan process
Safety.
The default login authentication information that the present embodiment is sent by receiving server, according to the default login authentication information
The logging state of the target user is verified, verification result is generated, when verification result is to be verified, described in execution
Expected loan quota is generated according to the loan qualifications information, the step of loan application is generated according to the expected loan quota
Suddenly, it effectively prevents illegal loan requests informational influence normally to provide a loan process, occupies business processing resources, protect normal loan
The safety of money process, the user experience is improved.
It is present invention loan independently into the flow diagram of part method 3rd embodiment referring to Fig. 4, Fig. 4, is based on above-mentioned Fig. 2
Shown in first embodiment, propose the present invention loan independently into the 3rd embodiment of part method.
In 3rd embodiment, the step S60 the following steps are included:
Step S61, after receiving the target user to the determine instruction of the loan application, by the loan application
It is sent to server, so that the server determines the loan transaction that the target user needs to handle according to the loan application
Type, and according to the loan transaction type configuration and corresponding loan environment is run, to realize loan independently into part.
It should be noted that different loan transaction types corresponds to different loan items, and different loan items needs
Loan environment is constructed according to corresponding configuration information, to realize loan independently into part, the target configuration information can be pre-
It is first stored in presetting database, the presetting database is pre-set for storing different loan transaction types and correspondence
Configuration information database, the corresponding target configuration information of target loan item is obtained from the presetting database
Afterwards, simultaneously operational objective loan environment can be constructed, according to the target configuration information to realize that loan independently into part, improves loan
Money speed and efficiency.
Further, the step S61 specifically includes the following steps:
After receiving the target user to the determine instruction of the loan application, the loan application is sent to clothes
It is engaged in device, so that the server determines that target user needs the loan transaction type handled according to the loan application, and according to
The loan transaction type determines target loan item；
When the loan transaction type is personal loan, determine that target loan item is personal loan item, from default
The corresponding target individual configuration information that the personal loan item is obtained in database, according to the target individual configuration information
Simultaneously operational objective personal loan environment is constructed, to realize personal loan independently into part；
When the loan transaction type is business loan, determine that target loan item is business loan item, from default
The corresponding Target Enterprise configuration information that the business loan item is obtained in database, according to the Target Enterprise configuration information
Simultaneously operational objective business loan environment is constructed, to realize business loan independently into part.
It is understood that general loan transaction type is divided into personal loan and business loan, in the target user
When the loan transaction type for needing to handle is personal loan, the item control switch that personal loan is needed to prepare is opened, and incite somebody to action
The item control switch that business loan needs to prepare is closed, i.e., the personal loan thing that will be opened from presetting database
The configuration information of the corresponding configuration item of item is transferred out, according to target individual configuration information building and operational objective personal loan
Environment, to realize personal loan independently into part；When the loan transaction type that the target user needs to handle is business loan,
The item control switch that business loan is needed to prepare is opened, and the item control switch that personal loan is needed to prepare is closed,
The configuration information for the corresponding configuration item of business loan item opened is transferred out i.e. from presetting database, according to
The Target Enterprise configuration information building and operational objective business loan environment, to realize business loan independently into part.
By after receiving the target user to the determine instruction of the loan application in the present embodiment, by the loan
Money application is sent to server, so that the server determines the loan industry that target user needs to handle according to the loan application
Service type, and target loan item is determined according to the loan transaction type, the target loan is obtained from presetting database
The corresponding target configuration information of item, according to target configuration information building and operational objective loan environment, to realize loan
Independently into part, user is realized independently into the availability of part and flexibility, promotes the speed and efficiency of loan.
In addition, the embodiment of the present invention also proposes a kind of storage medium, loan is stored on the storage medium independently into part
Program, the loan realize loan as described above independently into the step of part method when being independently executed by processor into part program
Suddenly.
In addition, referring to Fig. 5, the embodiment of the present invention also proposes a kind of loan independently into part device, and the loan is independently into part
Device includes:
Page jump module 10, for jumping to the corresponding loan application page according to target two dimensional code.
It should be noted that the target two dimensional code is the mobile terminal two dimensional code that customer manager is shared with target user,
General is to select client independently into after part function by the terminal device of customer manager, the two dimensional code of generation, and then target is used
The mobile terminal at family jumps to corresponding loan independently into the page of part, i.e., the described loan application page according to the target two dimensional code
Face.
Marker extraction module 20, for obtaining the demand for loan letter in the target user of loan application page input
Breath extracts multiple loan marks from the demand for loan information.
It should be noted that the demand for loan information is target user by touching, clicking on operation circle of terminal device
The demand information that face or key-press input relevant information generate, the demand for loan information include the demand for loan of the target user
And userspersonal information, it is identified by the available corresponding loan of the demand for loan information, different loans, which identifies, to be corresponded to
Different loan sub-processes can be carried out orderly contingency table by loan mark by different item purpose loan sub-process
Note, to facilitate subsequent quick execution correlation loan operation.
Process loading module 30 is borrowed for finding target corresponding with each loan mark of extraction in pre-set code library
Money code segment according to each target loan code section building target loan process found, and loads the target loan process.
It is understood that the pre-set code library is pre-set for storing the database of various loan codes,
Each loan can be found by the pre-set code library and identifies corresponding target loan code section, according to each target found
Loan code section can construct corresponding loan process, and then personalized customization loan process may be implemented, to be more in line with
The demand for loan of user.
In the concrete realization, target loan process is directly loaded according to the demand for loan information except through terminal device
Outside, it can also be and obtaining target user after the loan application page is by clicking or filling in the demand for loan information of input, it can
The demand for loan information is sent to server, server analyzes the demand for loan information, according to the loan
Money demand information obtains corresponding loan flow data, the loan flow data is fed back to terminal device, and then will be described
The corresponding target loan process of loan flow data is loaded, naturally it is also possible to load the target loan by other means
Process, the present embodiment are without restriction to this.
Information extraction modules 40, the application documents picture of the target user for receiving the corresponding loan process,
Extract the loan qualifications information in the application documents picture.
It should be understood that identifying by the application documents picture uploaded to the target user, institute can be obtained
Some important informations in application documents picture are stated, i.e. loan qualifications information, can usually pass through optical character identification
(Optical Character Recognition, OCR) method is believed to obtain the loan qualifications in application documents picture
Breath, can also obtain, the present embodiment is without restriction to this by other means certainly.
It is understood that the loan qualifications information is that user is defeated on the terminal device by the loan process
Corresponding loan application, the loan application can be generated by the loan qualifications information in the loan relevant information entered
For application form or application document with certain format, naturally it is also possible to be the file of other forms, the present embodiment to this not
It limits；The loan qualifications information includes but is not limited to bank's flowing water information, mortgage information, application amount letter
Breath, applicant's information, applicant spouse information, company information, legal representative's information, legal representative spouse information, bank
Card information, actual controller's information, actual controller spouse information, third-party guarantor, third-party guarantor spouse information,
The group that tripartite guarantee corporation information, frequent contact information, people's row reference information and image information etc. are one therein or several
It closes, wherein application amount information includes but is not limited to the amount of the loan, the length of maturity, the intended use of the loan and mode of repayment etc., the Shen
Information of asking someone includes but is not limited to name, identification card number, cell-phone number, highest educational background, home address and marital status etc..
Apply for generation module 50, for generating expected loan quota according to the loan qualifications information, according to described
It is expected that loan quota generates loan application.
It should be understood that expected loan quota, i.e. comparison operators can be generated by the loan qualifications information
The actual conditions of target user are closed, the loan quota for having greater probability application successfully to provide a loan can by the default loan quota
To generate corresponding loan application, loan success rate is further ensured, and meets the demand for loan of target user.
Independently into part module 60, for inciting somebody to action after receiving the target user to the determine instruction of the loan application
The loan application is sent to server, so that the server determines that the target user needs to do according to the loan application
The loan transaction type of reason, and carried out according to the loan transaction type independently into part.
It is understood that is, target is used after receiving the target user to the determine instruction of the loan application
Family confirmation is applied according to the loan application that the expection loan quota of recommendation generates, and after user agrees to, loan application is sent
To server, the server is the server dedicated for handling loan application, can be local server, is also possible to cloud
Server is held, the present embodiment is without restriction to this；The server, can be to the loan after receiving the loan application
Money application is analyzed, and obtains the corresponding loan transaction type of the loan application, and then need to do according to the target user
The loan transaction type of reason is carried out according to different loan transaction types independently into part, in the concrete realization, described receiving
After target user is to the determine instruction of the loan application, after the loan application is sent to server, it can receive described
The loan of server feedback into part flow chart, and by it is described provide a loan into part flow chart display the page in show, it is described provide a loan into
Part flow chart determines corresponding loan flow data according to the loan application for the server, and loads the loan process
The flow chart that data generate realizes the saturating of loan flow monitoring so as to intuitively know the real-time progress of loan process
Brightization is conducive to administrative staff and loan process is managed and adjusted in real time.
The present embodiment jumps to the loan application page by target two dimensional code；What acquisition was inputted in the loan application page
The demand for loan information of target user loads target loan process according to the demand for loan information；According to the loan qualification
It proves that information generates expected loan quota, loan application is generated according to the expected loan quota；It is used receiving the target
After family is to the determine instruction of the loan application, the loan application is sent to server, so that the server is according to institute
It states loan application and determines the loan transaction type that the target user needs to handle, and carried out certainly according to the loan transaction type
Main to change loan processes according to different demands for loan dynamics into part, it is complicated for operation to solve existing loan application, when examination & approval
Between it is longer, and examine that percent of pass is lower, and the borrowing needs of user are unable to get satisfactions, and consume and largely audit resources and time
The problem of, while installation loan application program is not needed, user is realized independently into the availability of part and flexibility, saves loan
Money examines resource, promotes the speed and efficiency of loan, improves loan examination & approval percent of pass, meets the demand for loan of user.
Loan of the present invention independently can refer to above-mentioned each method into the other embodiments or specific implementation of part device
Embodiment, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.If listing equipment for drying
Unit claim in, several in these devices, which can be, to be embodied by the same item of hardware.Word first,
Second and the use of third etc. do not indicate any sequence, can be title by these word explanations.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Business device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. it is a kind of loan independently into part method, which is characterized in that it is described loan independently into part method the following steps are included:
The corresponding loan application page is jumped to according to target two dimensional code；
The demand for loan information for obtaining the target user inputted in the loan application page, mentions from the demand for loan information
Multiple loans are taken to identify；
Target loan code section corresponding with each loan mark extracted is found in pre-set code library, according to each mesh found
Loan code section building target loan process is marked, and loads the target loan process；
The application documents picture for receiving the target user of the corresponding loan process, is extracted in the application documents picture
Loan qualifications information；
Expected loan quota is generated according to the loan qualifications information, loan Shen is generated according to the expected loan quota
Please；
After receiving the target user to the determine instruction of the loan application, the loan application is sent to service
Device, so that the server determines the loan transaction type that the target user needs to handle, and root according to the loan application
It carries out according to the loan transaction type independently into part.
2. loan as described in claim 1 is independently into part method, which is characterized in that described receive corresponds to the loan process
The application documents picture of the target user extracts the loan qualifications information in the application documents picture, comprising:
Receive the application documents picture of the target user of the corresponding loan process, successively to the application documents picture into
Row gray processing, binaryzation and noise reduction process obtain image to be split；
Character cutting carried out to the image to be split according to default segmentation rule, and according to pre-set dimension by the image after cutting
It is normalized, obtains target image；
Feature extraction is carried out to the target image according to predetermined keyword, obtains target feature vector；
Classified according to default support vector machines to the target feature vector, obtain classification results, tied according to the classification
Fruit generates loan qualifications information.
3. loan as claimed in claim 2 is independently into part method, which is characterized in that described to be believed according to the loan qualifications
Breath generates expected loan quota, generates loan application according to the expected loan quota, comprising:
Extracted from the demand for loan information target user initial loan limit and the initial length of maturity；
The bank's flowing water information and mortgage information of the target user are extracted from the loan qualifications information；
Target credit record corresponding with the target user is searched in presupposed information database, and bank's flowing water is believed
Breath, the mortgage information and the target credit record are analyzed, and corresponding target credit grade is obtained；
Table, which is adjusted, according to pre-set level obtains amount adjusting parameter corresponding with the target credit grade and time limit adjusting parameter；
The initial loan limit is adjusted according to the amount adjusting parameter, obtains target loan limit, and according to institute
It states time limit adjusting parameter to be adjusted the initial length of maturity, obtains the target length of maturity；
Expected loan quota is generated according to the target loan limit and the target length of maturity, is referred to according to the expected loan
Mark generates loan application.
4. loan as claimed in claim 3 is independently into part method, which is characterized in that described to be believed according to the loan qualifications
Breath generates expected loan quota, and before generating loan application according to the expected loan quota, the loan is independently into part method
Further include:
The default login authentication information that server is sent is received, the login dynamic password of the target user is obtained and logs in verification
Code；
The login dynamic password and login check code are verified according to the default login authentication information, generate verifying knot
Fruit；
When verification result is to be verified, executes described generate according to the loan qualifications information and is expected loan quota,
The step of generating loan application according to the expected loan quota.
5. loan as claimed in claim 4 is independently into part method, which is characterized in that described to be jumped to pair according to target two dimensional code
The loan application page answered, comprising:
Target two dimensional code is identified, destination Uniform Resource finger URL and page resource data are obtained；
The loan application page is jumped to according to the destination Uniform Resource finger URL and the page resource data.
6. loan according to any one of claims 1 to 5 is independently into part method, which is characterized in that it is described receive it is described
After target user is to the determine instruction of the loan application, the loan application is sent to server, so that the server
The loan transaction type that the target user needs to handle is determined according to the loan application, and according to the loan transaction type
It carries out independently into part, comprising:
After receiving the target user to the determine instruction of the loan application, the loan application is sent to service
Device, so that the server determines the loan transaction type that the target user needs to handle, and root according to the loan application
According to the loan transaction type configuration and corresponding loan environment is run, to realize loan independently into part.
7. loan according to any one of claims 1 to 5 is independently into part method, which is characterized in that described according to the loan
Qualifications information generates expected loan quota, and after generating loan application according to the expected loan quota, the loan is certainly
It leads into part method further include:
The current process information for obtaining the loan application in real time, extremely by the loan application and the current process information preservation
Presetting database；
When detecting that the target user logs on, the current process information in the presetting database is transferred, is jumped to
The corresponding current process page of current process information.
8. a kind of terminal device, which is characterized in that the terminal device includes: memory, processor and is stored in the storage
Loan can be run on device and on the processor independently into part program, the loan is independently held into part program by the processor
The step of realizing loan as described in any one of claims 1 to 7 independently into part method when row.
9. a kind of storage medium, which is characterized in that be stored with loan on the storage medium independently into part program, the loan is certainly
Realize the loan as described in any one of claims 1 to 7 independently into the step of part method when master is executed by processor into part program
Suddenly.
10. a kind of loan is independently into part device, which is characterized in that the loan independently includes: into part device
Page jump module, for jumping to the corresponding loan application page according to target two dimensional code；
Marker extraction module, for obtaining the demand for loan information in the target user of loan application page input, from institute
It states and extracts multiple loan marks in demand for loan information；
Process loading module, for finding target loan code corresponding with each loan mark of extraction in pre-set code library
Section according to each target loan code section building target loan process found, and loads the target loan process；
Information extraction modules, the application documents picture of the target user for receiving the corresponding loan process, extract institute
State the loan qualifications information in application documents picture；
Apply for generation module, for generating expected loan quota according to the loan qualifications information, is borrowed according to the expection
Money index generates loan application；
Independently into part module, for after receiving the target user to the determine instruction of the loan application, by the loan
Money application is sent to server, so that the server determines the loan that the target user needs to handle according to the loan application
Money type of service, and carried out according to the loan transaction type independently into part.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910623600.6A CN110503545A (en) | 2019-07-10 | 2019-07-10 | Loan is independently into part method, terminal device, storage medium and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910623600.6A CN110503545A (en) | 2019-07-10 | 2019-07-10 | Loan is independently into part method, terminal device, storage medium and device |
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| CN110503545A true CN110503545A (en) | 2019-11-26 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910623600.6A Pending CN110503545A (en) | 2019-07-10 | 2019-07-10 | Loan is independently into part method, terminal device, storage medium and device |
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