CN110599326A - Loan risk control method and device and terminal equipment - Google Patents
Loan risk control method and device and terminal equipment Download PDFInfo
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- CN110599326A CN110599326A CN201910802212.4A CN201910802212A CN110599326A CN 110599326 A CN110599326 A CN 110599326A CN 201910802212 A CN201910802212 A CN 201910802212A CN 110599326 A CN110599326 A CN 110599326A
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Abstract
The application is applicable to the technical field of computers, and provides a loan risk control method, a loan risk control device and terminal equipment, wherein the loan risk control method comprises the following steps: receiving a loan application instruction, and indicating a user to input target wind control information; acquiring the target wind control information, and sending the target wind control information to a third-party wind control platform, wherein the number of the third-party wind control platforms is at least one; obtaining a target wind control result according to the wind control verification result returned by each third-party wind control platform; and if the target wind control result is successful verification, indicating the user to input target application information to complete loan application, otherwise, directly terminating the loan application. The method and the device for processing the loan application can improve the efficiency of risk control of the loan application.
Description
Technical Field
The application belongs to the technical field of computers, and particularly relates to a loan risk control method and device and terminal equipment.
Background
With the development of internet technology and the popularization of advanced consumption, an internet-based loan platform appears. In the existing loan platform, risk control needs to be performed on loan behaviors of a user, and a loan risk control process generally includes that after the user fills in all application information during loan application, the application information is uploaded to a risk control platform for risk verification, and whether the loan application is allowed or not is determined according to a returned verification result, so that risk control is achieved. However, because the loan application needs to be filled with more application information, the time for waiting for the user to fill all the application information is long, and the user often cannot pass the risk verification after filling all the application information and submitting the application information, unnecessary time is wasted, and the existing loan risk control efficiency is low.
Disclosure of Invention
In view of this, embodiments of the present application provide a loan risk control method, apparatus, and terminal device, so as to solve the problem in the prior art how to improve the efficiency of risk control on a loan application.
A first aspect of an embodiment of the present application provides a loan risk control method, including:
receiving a loan application instruction, and indicating a user to input target wind control information;
acquiring the target wind control information, and sending the target wind control information to a third-party wind control platform, wherein the number of the third-party wind control platforms is at least one;
obtaining a target wind control result according to the wind control verification result returned by each third-party wind control platform;
and if the target wind control result is successful verification, indicating the user to input target application information to complete loan application, otherwise, directly terminating the loan application.
A second aspect of an embodiment of the present application provides a loan risk control apparatus, including:
the loan application instruction receiving unit is used for receiving a loan application instruction and indicating a user to input target wind control information;
the target wind control information sending unit is used for obtaining the target wind control information and sending the target wind control information to a third-party wind control platform, wherein the number of the third-party wind control platforms is at least one;
the target wind control result acquisition unit is used for acquiring a target wind control result according to the wind control verification result returned by each third-party wind control platform;
and the judging unit is used for indicating a user to input target application information to finish loan application if the target wind control result is successful in verification, and otherwise, directly terminating the loan application.
A third aspect of the embodiments of the present application provides a terminal device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the loan risk control method when executing the computer program.
A fourth aspect of embodiments of the present application provides a computer-readable storage medium, which stores a computer program that, when executed by a processor, implements the steps of the loan risk control method as described above.
In a fifth aspect, an embodiment of the present application provides a computer program product, which, when run on a terminal device, causes the terminal device to execute the loan risk control method according to any one of the first aspect.
Compared with the prior art, the embodiment of the application has the advantages that: in the embodiment of the application, the user is indicated to input the target wind control information for wind control verification, the user is indicated to input the target application information after verification is successful so as to obtain complete application information, loan application is completed, otherwise, the loan application is directly refused without waiting for the user to input the target application information, unnecessary time can be saved, time cost is saved, and the efficiency of risk control on the loan application is improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.
Fig. 1 is a schematic flow chart illustrating an implementation of a first loan risk control method according to an embodiment of the present disclosure;
fig. 2 is a schematic flow chart illustrating an implementation of a second loan risk control method according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of a system for loan risk control according to an embodiment of the present disclosure;
FIG. 4 is a schematic diagram illustrating an interaction flow of a loan risk control method according to an embodiment of the present disclosure;
FIG. 5 is a schematic view of a loan risk control apparatus according to an embodiment of the present application;
fig. 6 is a schematic diagram of a terminal device provided in an embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the present application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in the specification of the present application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
In addition, in the description of the present application, the terms "first," "second," "third," and the like are used solely to distinguish one from another and are not to be construed as indicating or implying relative importance.
The first embodiment is as follows:
fig. 1 is a schematic flow chart illustrating a first loan risk control method according to an embodiment of the present application, which is described in detail as follows:
in S101, a loan application instruction is received, and a user is instructed to input target wind control information.
The loan application instruction can be a target click instruction or a target sliding instruction, and when a user needs to apply for loan, the user clicks or slides to enter a specified page, or clicks a specified button of the specified page, and then the user starts applying for loan. The local terminal receives the loan application instruction and instructs the user to input target wind control information, for example, a prompt box is displayed to prompt the user to input the target wind control information. The target wind control information is key information needing wind control verification, and can include the basic identity information of the user, such as the name, the telephone number, the identity card number and the like of the user.
In S102, the target wind control information is obtained and sent to a third-party wind control platform, wherein the number of the third-party wind control platforms is at least one.
The method includes the steps of obtaining target wind control information input by a user, and sending the target wind control information to a third-party wind control platform, wherein the third-party wind control platform can be one or more, and for example, the third-party wind control platform can include platforms of wind control service providers such as the same shield and the detection.
Optionally, the sending the target wind control information to a third-party wind control platform includes:
and sending the target wind control information to a third-party wind control platform through the target wind control platform.
The target wind control information is sent to the target wind control platforms in a unified mode, and then the target wind control platforms are instructed to forward the target wind control information to the third-party wind control platforms according to the wind control information needed by each third-party wind control platform. Optionally, after the target wind control information is sent to the target wind control platform, the target wind control platform is instructed to perform data cleaning and data format conversion on the target wind control information, and then the target wind control information is forwarded to a third-party wind control platform.
In S103, a target wind control result is obtained according to the wind control verification result returned by each third-party wind control platform.
And after carrying out wind control verification according to the target wind control information, the third-party wind control platform respectively returns respective wind control verification results to the local terminal (the wind control verification results can be returned through the target wind control platform, namely the third-party wind control platform firstly returns the wind control verification results to the target wind control platform, and then the target wind control platform forwards the wind control verification results to the local terminal).
And the home terminal obtains a target wind control result according to the wind control verification result returned by each third-party wind control platform. Specifically, if all returned wind control verification results are passed (that is, the target wind control information successfully passes the wind control verification), the target wind control result is a successful verification, and the first designated character may be used to identify the target wind control result that is successfully verified, such as "0", "success", "pass", and other characters. Specifically, if one or more failed wind control verification results exist in the returned wind control verification results, the target wind control verification is a verification failure, and the specified second character may be used to identify the target wind control result with the verification failure, such as "1", "failure", "fail", and other characters.
Optionally, the obtaining a target wind control result according to the wind control verification result returned by each third-party wind control platform includes:
and if the wind control verification result returned by any third-party wind control platform is detected to be failed, immediately obtaining a target wind control result with failed verification.
Because the time lengths of the wind control verification results returned by the third-party wind control platforms are different, the final target wind control result can be accurately obtained only by waiting for the wind control verification results returned by all the third-party wind control platforms. However, as long as one wind control verification result is failed, the target wind control result is failed to be verified, when it is detected that the wind control verification result returned by any third-party wind control platform is failed, the target wind control result failed to be verified can be immediately obtained without waiting for all the wind control verification results to be returned for judgment. In the embodiment of the application, when the wind control verification result returned by any third-party wind control platform is failed, the target wind control result with failed verification is immediately returned, so that the loan risk control efficiency can be further improved.
In S104, if the target wind control result is successful, the user is instructed to input target application information to complete the loan application, otherwise, the loan application is directly terminated.
And if the target wind control result is successful verification, the target wind control information of the user passes the verification successfully, the user has application qualification, and the user is indicated to input the target application information to complete loan application. The target application information refers to user information which is required for loan application and is other than the target wind control information, and comprises work information, address information, contact information and the like of the user. When the user inputs the target application information, the local terminal obtains the complete application information (including the target wind control information and the target application information), and completes loan application according to the complete application information.
If the target wind control result is that the verification fails, the target wind control information of the user cannot pass the verification, the user does not have the application qualification, and the loan application is directly terminated at the moment. For example, a message may be issued to pop-up the application for failure to prevent the loan application from proceeding, or the loan application page may be exited directly after the message is prompted, etc.
Compared with the prior art, the embodiment of the application has the advantages that: in the embodiment of the application, the user is indicated to input the target wind control information for wind control verification, the user is indicated to input the target application information after verification is successful so as to obtain complete application information, loan application is completed, otherwise, the loan application is directly refused without waiting for the user to input the target application information, unnecessary time can be saved, time cost is saved, and the efficiency of risk control on the loan application is improved.
Example two:
fig. 2 is a schematic flowchart illustrating a second method for controlling a loan risk according to an embodiment of the present application, where an execution subject of the method for controlling a loan risk is a terminal device, specifically, a terminal device loaded with loan software, and the method for controlling a loan risk is detailed as follows:
in S201, a loan application instruction is received, and the user is instructed to input target wind control information.
In this embodiment, S201 is the same as S101 in the first embodiment, and please refer to the related description of S101 in the first embodiment, which is not repeated herein.
In S202, the target wind control information is obtained and sent to a third-party wind control platform, wherein the number of the third-party wind control platforms is at least one.
The method comprises the steps of obtaining target wind control information input by a user, and sending the target wind control information to a third-party wind control platform through the target wind control platform, wherein the third-party wind control platform can be one or more, and for example, the third-party wind control platform can comprise platforms of wind control service providers such as the same shield and the detection. Specifically, the target wind control information is firstly sent to the target wind control platforms in a unified mode, and then the target wind control platforms are instructed to forward the target wind control information to the third-party wind control platforms according to the wind control information required by each third-party wind control platform.
In S203, a target wind control result is obtained according to the wind control verification result returned by each third-party wind control platform.
Optionally, the step S203 includes:
s2031: and inquiring the returned wind control verification result of the third-party wind control platform.
S2032: and if the returned wind control verification results are detected to be passed, detecting whether a third-party wind control platform which does not return the wind control verification results exists.
S2033: and if the third-party wind control platform which does not return the wind control verification result does not exist, obtaining a target wind control result which is verified successfully.
In S2031, the local terminal sends a query instruction to the target wind control platform to query a wind control verification result that the third-party wind control platform has returned to the target wind control platform, that is, instruct the target wind control platform to send a currently returned wind control verification result of the third-party wind control platform to the local terminal.
In S2032, if it is detected that the returned wind control verification results all pass, it is detected whether there is a wind control verification result that has not been returned in the target wind control platform. For example, a preset list containing identification information of all third-party wind control platforms is prestored in the local terminal; after a wind control verification result returned by a third-party wind control platform is received, storing the identification information of the third-party wind control platform into a received list; and comparing the preset list with the received list, so that whether a third-party wind control platform which does not return a wind control verification result exists can be detected.
Optionally, after the step S2023, the method further includes:
and if the third-party wind control platform which does not return the wind control verification result exists, returning to execute the step of inquiring the wind control verification result returned by the third-party wind control platform after a preset time interval.
If a third-party wind control platform which does not return a wind control verification result exists, for example, the identification information of the third-party wind control platform in the received list is less than the identification information of the third-party wind control platform stored in the preset list, it is indicated that the third-party wind control platform which does not return the wind control verification result still exists. At this time, after a preset time interval (e.g., 0.1 second), returning to step S2031, and continuing to query the wind control verification result returned by the third-party wind control platform. In the embodiment of the application, when the third-party wind control platform which does not return the wind control verification result is detected, a preset time interval is set to wait for the third-party wind control platform to return the wind control verification result, and then the returned wind control verification result of the third-party wind control platform is continuously inquired, so that more complete wind control verification result information can be obtained.
Optionally, after the step S2023, the method further includes:
and if a third-party wind control platform which does not return the wind control verification result exists and the total query time of the wind control verification result exceeds the target time threshold, returning target prompt information.
The total query duration of the wind control verification result is the total duration of the wind control verification result of the current round of query, that is, the duration from the time point at which step S2031 is executed for the first time in the current round of query, and the target duration threshold is a threshold set in advance, for example, 0.5 second. And if the third-party platform which does not return the wind control verification result still exists at present and the total query time of the wind control verification result exceeds the target time threshold, returning target prompt information to prompt the user that the current wind control verification result returns overtime so that the user ends the application firstly and then performs loan application after the network is stable.
Optionally, after the step S2023, the method further includes:
if a third-party platform which does not return a wind control verification result exists and the total query time length of the wind control verification result exceeds a target time length threshold value, directly indicating a user to input target application information;
and acquiring target application information, and returning and executing the step of inquiring the returned wind control verification result of the third-party wind control platform.
The total query duration of the wind control verification result is a duration from the current time point to the time point at which step S2031 is executed for the first time in the current round of query, and the target duration threshold is a threshold set in advance, for example, 0.5 second. And if the third-party platform which does not return the wind control verification result still exists at present and the total query time of the wind control verification result exceeds the target time threshold, directly sending prompt information to indicate a user to input target application information and continuing to apply for loan. And after the target application information input by the user is obtained, returning to the step S2031 again, and continuously querying the returned wind control verification result of the third-party wind control platform. In the embodiment of the application, when the wind control verification result which is not returned after time out exists, the user is directly indicated to fill the target application information, when the user inputs the target application information and obtains the target application information, a waiting time passes, and when the user inquires the target application information again, the wind control verification result of the third-party wind control platform which is returned slowly can be obtained, meanwhile, the user is prevented from waiting inefficiently for a long time (namely, the user can be effectively used for inputting the target application information as the time for waiting for the wind control verification result to return), so that the more complete wind control verification result information can be obtained, and meanwhile, the customer experience is provided.
In S2033, if there is no third-party wind control platform that does not return a wind control verification result, for example, the identification information of the third-party wind control platform in the received list includes the identification information of all the third-party wind control platforms in the preset list, it indicates that all the third-party wind control platforms have returned their respective wind control verification results, and it is determined in step S2032 that all the returned wind control verification results have passed, that is, it indicates that the loan application has successfully passed the verification of all the third-party wind control platforms, and thus obtains a target wind control result that has been successfully verified.
In S204, the target wind control information and the target wind control result are stored correspondingly.
And correspondingly storing the target wind control information obtained in the step S202 and the target wind control result obtained in the step S203, so that when information identical to the target wind control information is obtained again, the correspondingly stored target wind control result is directly obtained according to the target wind control information, and a third-party wind control platform does not need to wait for returning wind control verification result information again, thereby further improving the loan wind control efficiency.
In S205, if the target wind control result is successful, the user is instructed to input target application information to complete the loan application, otherwise, the loan application is directly terminated.
In this embodiment, S205 is the same as S105 in the first embodiment, and please refer to the related description of S105 in the first embodiment, which is not repeated herein.
In the embodiment of the application, the user is indicated to input the target wind control information for wind control verification, the user is indicated to input the target application information after verification is successful so as to obtain complete application information, loan application is completed, otherwise, the loan application is directly refused without waiting for the user to input the target application information, unnecessary time can be saved, time cost is saved, and the efficiency of risk control on the loan application is improved. Meanwhile, the target wind control information and the target wind control result can be correspondingly stored so as to facilitate the next direct query, and therefore the loan wind control efficiency can be further improved.
The embodiment of the present application further provides a schematic structural diagram of a loan risk control system, as shown in fig. 3, the loan risk control system includes a terminal device 31, a target wind control platform 32, and a third-party wind control platform 33.
The embodiment of the present application further provides an interactive flowchart of a loan risk control method, as shown in fig. 4, which is detailed as follows:
(1) the terminal device 41 receives the loan application instruction and instructs the user to input target wind control information;
(2) the terminal device 41 acquires target wind control information and sends the target wind control information to a third-party wind control platform 43 through a target wind control platform 42;
(3) the terminal device 41 sends a query instruction to the target wind control platform 42, and obtains a wind control verification result returned by the third-party wind control platform 43 through the target wind control platform 42;
(4) the terminal device 41 obtains a target wind control result according to the returned wind control verification result;
(5) and if the target wind control result is successful verification, indicating the user to input target application information to complete loan application, otherwise, directly terminating the loan application.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.
Example three:
fig. 5 is a schematic structural diagram of a loan risk control apparatus according to an embodiment of the present application, and for convenience of description, only the portions related to the embodiment of the present application are shown:
the loan risk control apparatus includes: the system comprises a loan application instruction receiving unit 51, a target wind control information sending unit 52, a target wind control result acquiring unit 53 and a judging unit 54. Wherein:
the loan application instruction receiving unit 51 is configured to receive a loan application instruction instructing the user to input target climate control information.
The loan application instruction can be a target click instruction or a target sliding instruction, and when a user needs to apply for loan, the user clicks or slides to enter a specified page, or clicks a specified button of the specified page, and then the user starts applying for loan. The local terminal receives the loan application instruction and instructs the user to input target wind control information, for example, a prompt box is displayed to prompt the user to input the target wind control information. The target wind control information is key information needing wind control verification, and can include the basic identity information of the user, such as the name, the telephone number, the identity card number and the like of the user.
And a target wind control information sending unit 52, configured to obtain the target wind control information, and send the target wind control information to a third-party wind control platform, where the number of the third-party wind control platforms is at least one.
The method includes the steps of obtaining target wind control information input by a user, and sending the target wind control information to a third-party wind control platform, wherein the third-party wind control platform can be one or more, and for example, the third-party wind control platform can include platforms of wind control service providers such as the same shield and the detection.
Optionally, the sending the target wind control information to a third-party wind control platform includes:
and sending the target wind control information to a third-party wind control platform through the target wind control platform.
The target wind control information is sent to the target wind control platforms in a unified mode, and then the target wind control platforms are instructed to forward the target wind control information to the third-party wind control platforms according to the wind control information needed by each third-party wind control platform. Optionally, after the target wind control information is sent to the target wind control platform, the target wind control platform is instructed to perform data cleaning and data format conversion on the target wind control information, and then the target wind control information is forwarded to a third-party wind control platform.
And the target wind control result obtaining unit 53 is configured to obtain a target wind control result according to the wind control verification result returned by each third-party wind control platform.
The method includes the steps of obtaining target wind control information input by a user, and sending the target wind control information to a third-party wind control platform, wherein the third-party wind control platform can be one or more, and for example, the third-party wind control platform can include platforms of wind control service providers such as the same shield and the detection.
Optionally, the sending the target wind control information to a third-party wind control platform includes:
and sending the target wind control information to a third-party wind control platform through the target wind control platform.
The target wind control information is sent to the target wind control platforms in a unified mode, and then the target wind control platforms are instructed to forward the target wind control information to the third-party wind control platforms according to the wind control information needed by each third-party wind control platform. Optionally, after the target wind control information is sent to the target wind control platform, the target wind control platform is instructed to perform data cleaning and data format conversion on the target wind control information, and then the target wind control information is forwarded to a third-party wind control platform.
Optionally, the target wind control result obtaining unit 53 includes:
and the first detection module is used for immediately obtaining a target wind control result which fails to be verified if the wind control verification result returned by any third-party wind control platform is detected to be failed.
Optionally, the target wind control result obtaining unit 53 includes a first query module, a second detection module, and a first target wind control result determining module:
and the first query module is used for querying the returned wind control verification result of the third-party wind control platform.
And the second detection module is used for detecting whether a third-party wind control platform which does not return the wind control verification result exists or not if the returned wind control verification results are detected to be passed.
And the first target wind control result judging module is used for obtaining a target wind control result which is successfully verified if a third-party wind control platform which does not return a wind control verification result does not exist.
Optionally, the target wind control result obtaining unit 53 further includes:
and the second query module is used for returning to execute the step of querying the wind control verification result returned by the third-party wind control platform after a preset time interval if the third-party platform which does not return the wind control verification result exists.
Optionally, the target wind control result obtaining unit 53 further includes:
and the prompting module is used for returning target prompting information if a third-party wind control platform which does not return the wind control verification result exists and the total query time length of the wind control verification result exceeds the target time length threshold value.
Optionally, the target wind control result obtaining unit 53 further includes:
the first indicating unit is used for directly indicating a user to input target application information if a third-party platform which does not return a wind control verification result exists and the total query duration of the wind control verification result exceeds a target duration threshold;
and the third query unit is used for acquiring the target application information and returning to execute the step of querying the returned wind control verification result of the third-party wind control platform.
And the judging unit 54 is used for indicating the user to input target application information to complete the loan application if the target wind control result is successful in verification, and otherwise, directly terminating the loan application.
And if the target wind control result is successful verification, the target wind control information of the user passes the verification successfully, the user has application qualification, and the user is indicated to input the target application information to complete loan application. The target application information refers to user information which is required for loan application and is other than the target wind control information, and comprises work information, address information, contact information and the like of the user. When the user inputs the target application information, the local terminal obtains the complete application information (including the target wind control information and the target application information), and completes loan application according to the complete application information.
If the target wind control result is that the verification fails, the target wind control information of the user cannot pass the verification, the user does not have the application qualification, and the loan application is directly terminated at the moment. For example, a message may be issued to pop-up the application for failure to prevent the loan application from proceeding, or the loan application page may be exited directly after the message is prompted, etc.
Optionally, the loan risk control apparatus further includes:
and the storage unit is used for correspondingly storing the target wind control information and the target wind control result.
In the embodiment of the application, the user is indicated to input the target wind control information for wind control verification, the user is indicated to input the target application information after verification is successful so as to obtain complete application information, loan application is completed, otherwise, the loan application is directly refused without waiting for the user to input the target application information, unnecessary time can be saved, time cost is saved, and the efficiency of risk control on the loan application is improved.
Example four:
fig. 6 is a schematic diagram of a terminal device according to an embodiment of the present application. As shown in fig. 6, the terminal device 6 of this embodiment includes: a processor 60, a memory 61 and a computer program 62, such as a loan risk control program, stored in said memory 61 and executable on said processor 60. The processor 60, when executing the computer program 62, implements the steps of the various loan risk control method embodiments described above, such as the steps S101 to S104 shown in fig. 1. Alternatively, the processor 60, when executing the computer program 62, implements the functions of the modules/units in the above-mentioned device embodiments, such as the functions of the units 51 to 54 shown in fig. 5.
Illustratively, the computer program 62 may be partitioned into one or more modules/units that are stored in the memory 61 and executed by the processor 60 to accomplish the present application. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution of the computer program 62 in the terminal device 6. For example, the computer program 62 may be divided into a loan application instruction receiving unit, a target wind control information sending unit, a target wind control result obtaining unit, and a determining unit, where the specific functions of each unit are as follows:
and the loan application instruction receiving unit is used for receiving a loan application instruction and indicating the user to input target wind control information.
And the target wind control information sending unit is used for acquiring the target wind control information and sending the target wind control information to a third-party wind control platform, wherein the number of the third-party wind control platforms is at least one.
And the target wind control result acquisition unit is used for acquiring a target wind control result according to the wind control verification result returned by each third-party wind control platform.
And the judging unit is used for indicating a user to input target application information to finish loan application if the target wind control result is successful in verification, and otherwise, directly terminating the loan application.
The terminal device 6 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The terminal device may include, but is not limited to, a processor 60, a memory 61. Those skilled in the art will appreciate that fig. 6 is merely an example of a terminal device 6 and does not constitute a limitation of terminal device 6 and may include more or less components than those shown, or some components in combination, or different components, for example, the terminal device may also include input output devices, network access devices, buses, etc.
The Processor 60 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 61 may be an internal storage unit of the terminal device 6, such as a hard disk or a memory of the terminal device 6. The memory 61 may also be an external storage device of the terminal device 6, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 6. Further, the memory 61 may also include both an internal storage unit and an external storage device of the terminal device 6. The memory 61 is used for storing the computer program and other programs and data required by the terminal device. The memory 61 may also be used to temporarily store data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow in the method of the embodiments described above can be realized by a computer program, which can be stored in a computer-readable storage medium and can realize the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
Claims (10)
1. A method for loan risk control, comprising:
receiving a loan application instruction, and indicating a user to input target wind control information;
acquiring the target wind control information, and sending the target wind control information to a third-party wind control platform, wherein the number of the third-party wind control platforms is at least one;
obtaining a target wind control result according to the wind control verification result returned by each third-party wind control platform;
and if the target wind control result is successful verification, indicating the user to input target application information to complete loan application, otherwise, directly terminating the loan application.
2. The method for loan risk control according to claim 1, wherein the obtaining a target wind control result according to the wind control verification result returned by each third-party wind control platform comprises:
and if the wind control verification result returned by any third-party wind control platform is detected to be failed, immediately obtaining a target wind control result with failed verification.
3. The method for loan risk control according to claim 1, wherein the obtaining a target wind control result according to the wind control verification result returned by each third-party wind control platform comprises:
inquiring a returned wind control verification result of the third-party wind control platform;
if the returned wind control verification results are detected to be passed, detecting whether a third-party wind control platform which does not return the wind control verification results exists;
and if the third-party wind control platform which does not return the wind control verification result does not exist, obtaining a target wind control result which is verified successfully.
4. The loan risk control method of claim 3, further comprising, after the detecting whether there is a third party wind controlled platform that does not return a wind control verification result:
and if the third-party platform which does not return the wind control verification result exists, returning to the step of inquiring the wind control verification result returned by the third-party wind control platform after a preset time interval.
5. The loan risk control method of claim 3, further comprising, after the detecting whether there is a third party wind controlled platform that does not return a wind control verification result:
and if a third-party wind control platform which does not return the wind control verification result exists and the total query time of the wind control verification result exceeds the target time threshold, returning target prompt information.
6. The loan risk control method of claim 3, further comprising, after the detecting whether there is a third party wind controlled platform that does not return a wind control verification result:
if a third-party platform which does not return a wind control verification result exists and the total query time length of the wind control verification result exceeds a target time length threshold value, directly indicating a user to input target application information;
and acquiring target application information, and returning and executing the step of inquiring the returned wind control verification result of the third-party wind control platform.
7. The loan risk control method according to any one of claims 1 to 6, further comprising, after obtaining the target wind control result based on the wind control verification result returned by each third-party wind control platform:
and correspondingly storing the target wind control information and the target wind control result.
8. A loan risk control apparatus, comprising:
the loan application instruction receiving unit is used for receiving a loan application instruction and indicating a user to input target wind control information;
the target wind control information sending unit is used for obtaining the target wind control information and sending the target wind control information to a third-party wind control platform, wherein the number of the third-party wind control platforms is at least one;
the target wind control result acquisition unit is used for acquiring a target wind control result according to the wind control verification result returned by each third-party wind control platform;
and the judging unit is used for indicating a user to input target application information to finish loan application if the target wind control result is successful in verification, and otherwise, directly terminating the loan application.
9. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910802212.4A CN110599326A (en) | 2019-08-28 | 2019-08-28 | Loan risk control method and device and terminal equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201910802212.4A CN110599326A (en) | 2019-08-28 | 2019-08-28 | Loan risk control method and device and terminal equipment |
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| CN110599326A true CN110599326A (en) | 2019-12-20 |
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