CN110796537A

CN110796537A - Request processing system, method and computer system based on business architecture collateral

Info

Publication number: CN110796537A
Application number: CN201911014614.4A
Authority: CN
Inventors: 李曼; 李娜; 王欢; 彭亮
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2019-10-22
Filing date: 2019-10-22
Publication date: 2020-02-14

Abstract

The present disclosure provides a request processing system based on a service architecture collateral article, comprising: the system comprises a service architecture system and a plurality of user-oriented service processing subsystems, wherein each service processing subsystem is used for acquiring a corresponding service handling request, and a target collateral article is subjected to collateral handling of a service type before the service handling request is responded; the system comprises a service newly-added judgment system, a service configuration system and a service configuration system, wherein the service newly-added judgment system is used for receiving a service handling request sent by a service processing subsystem in a service architecture system and determining the service type of a newly-added service related to a target collateral article; under the condition that the target collateral article is in a normal collateral state, judging whether to allow the newly added service according to the service type of the newly added service according to a strategy rule; and sending the first judgment result to the service processing subsystem so that the service processing subsystem prompts whether to allow the addition of the service related to the target collateral article according to the first judgment result.

Description

Request processing system, method and computer system based on business architecture collateral

Technical Field

The present disclosure relates to the field of finance, and more particularly, to a request processing system based on a business architecture collateral article, a request processing method based on a business architecture collateral article, a computer system, and a computer-readable storage medium.

Background

In recent years, with the progress of informatization of other financial institutions such as banks, both offline business and online business have a tendency of explosive growth.

For example, loan transactions, including debit card loan transactions and credit card installment transactions, also exhibit explosive growth trends. In the case of loans, it is generally necessary to offer a corresponding collateral for a guarantee, and in such a case, it is usual to include collateral providers and collateral recipients. Typically, a limited period of time is agreed upon between the collateral provider and the collateral recipient, including an agreed start date and an agreed end date to free the collateral. Within the agreed time period, and at the latest at the agreed end date, the total loan amount message is repayed.

In the process of implementing the concept of the present disclosure, the inventor finds that in the related art, different business systems of a financial institution facing users are generally decoupled, and there may be a problem of information non-sharing when some businesses are developed, which may result in that linked businesses cannot be developed between businesses, for example, collateral information of loan businesses such as debit cards or credit cards is not shared, and thus the practicability of the existing electronic mortgage system is significantly limited.

Disclosure of Invention

In view of the above, the present disclosure provides a request processing system based on a business architecture collateral, a request processing method based on a business architecture collateral, a computer system and a computer readable storage medium.

One aspect of the present disclosure provides a request processing system for a business architecture based collateral, comprising: the system comprises a business architecture system and a plurality of user-oriented business processing subsystems, wherein each business processing subsystem is used for acquiring a corresponding business handling request, the business handling request is used for requesting to newly add a business related to a target collateral product, and the target collateral product is mortgage already for a business of a business category before responding to the business handling request; a service addition judgment system, configured to: receiving a service handling request sent by a service handling subsystem in the service architecture system, and determining the service type of a service related to a target collateral article newly added in the request; under the condition that the target collateral article is in a normal collateral state, judging whether the newly added service is allowed to be added according to the service type of the newly added service, and obtaining a first judgment result; and sending the first judgment result to a service processing subsystem in the service architecture system, so that the service processing subsystem in the service architecture system prompts whether to allow the addition of the service related to the target collateral article according to the first judgment result.

According to an embodiment of the present disclosure, the service addition judging system is configured to judge whether to allow addition of the service requested to be added according to the service type of the service requested to be added and according to a policy rule, and includes:

when the service type of the service requested to be newly added is a loan service, calculating the repayment partial amount of the loan party for the target collateral;

judging whether the loan application amount of the loan service is larger than the repayment partial amount;

if the loan application amount of the loan service is less than or equal to the repayment partial amount, allowing the newly added service requested to be added for the target collateral; and

and if the loan application amount of the loan service is greater than the repayment partial amount, refusing to add the service requested to be added to the target collateral.

judging whether the service type of the service requested to be newly added is a small-amount installment service or not; and

and if the service type of the service requested to be newly added is a small amount installment service, allowing the service requested to be newly added to the target collateral article, wherein the total payment amount of the small amount installment service is less than or equal to a target threshold value.

According to an embodiment of the present disclosure, the service addition determination system is further configured to:

under the condition that the target collateral article is in a normal collateral state, judging whether the latest evaluation value of the target collateral article is greater than the current guarantee amount of the target collateral article or not so as to determine whether to allow the service requesting to be added newly or not;

if the latest evaluation value of the target collateral is more than or equal to the current guarantee amount of the target collateral, allowing the newly added service of the request for the target collateral; and

and if the latest evaluation value of the target collateral is less than the current guarantee amount of the target collateral, refusing to add the service requested to be added to the target collateral.

under the condition that the target collateral article is in a normal collateral state, judging whether the right holder of the target collateral article is the same as the requester of the service requesting to be newly added or not so as to determine whether the service requesting to be newly added is allowed to be newly added or not; and

and if the obligee of the target collateral article is different from the requester of the service requesting the new addition, refusing to add the service requesting the new addition to the target collateral article.

According to an embodiment of the present disclosure, each of the service processing subsystems is further configured to obtain a corresponding collateral article termination request, where the collateral article termination request is used to request termination of a target service related to the target collateral article;

the request processing system further includes: a collateral termination determination system for: receiving a collateral article termination request sent by a service processing subsystem in the service architecture system; judging whether the target service is allowed to be terminated or not according to the clearing condition of other services related to the target collateral article to obtain a second judgment result; and sending the second judgment result to a service processing subsystem in the service architecture system, so that the service processing subsystem in the service architecture system prompts whether to allow the target service to be terminated according to the second judgment result.

According to an embodiment of the present disclosure, the determining, by the collateral termination system, whether to allow termination of the target service according to the clearing status of other services associated with the target collateral includes:

the collateral article termination judging system acquires the settlement condition of other services related to the target collateral article from a target service processing subsystem in the service architecture system;

and if the other services associated with the target collateral article are not cleared, refusing to terminate the target service.

According to an embodiment of the present disclosure, the system further includes a collateral information management system, configured to manage collateral information, and configured to provide collateral information to the service architecture system, the service addition determination system, and the collateral termination determination system.

According to an embodiment of the disclosure, the collateral information includes collateral-associated service information and collateral release amount information.

Another aspect of the present disclosure provides a request processing method, including: acquiring corresponding service handling requests through one or more service processing subsystems in a service architecture system, wherein the service handling requests are used for requesting newly adding services related to a target collateral article, and the target collateral article is subjected to collateral handling of services of a service type before the service handling requests are responded;

executing by a service newly-added judgment system: receiving a service handling request sent by a service handling subsystem in the service architecture system, and determining the service type of a service related to a target collateral article newly added in the request; under the condition that the target collateral article is in a normal collateral state, judging whether the newly added service is allowed to be added according to the service type of the newly added service, and obtaining a first judgment result; and sending the first judgment result to a service processing subsystem in the service architecture system, so that the service processing subsystem in the service architecture system prompts whether to allow the addition of the service related to the target collateral article according to the first judgment result.

According to an embodiment of the present disclosure, the method further includes obtaining, by one or more service processing subsystems in the service architecture system, a corresponding collateral article termination request, where the collateral article termination request is used to request termination of a target service related to the target collateral article;

the mortgage termination judging system executes: receiving a collateral article termination request sent by a service processing subsystem in the service architecture system; judging whether the target service is allowed to be terminated or not according to the clearing condition of other services related to the target collateral article to obtain a second judgment result; and sending the second judgment result to a service processing subsystem in the service architecture system, so that the service processing subsystem in the service architecture system prompts whether to allow the target service to be terminated according to the second judgment result.

Another aspect of the present disclosure provides a computer system comprising: one or more processors; memory to store one or more instructions, wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement a method as described above.

Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions for implementing the method as described above when executed.

Another aspect of the disclosure provides a computer program comprising computer executable instructions for implementing the method as described above when executed.

According to the embodiment of the disclosure, based on the service architecture system, after different service processing subsystems receive the service transaction request, the service adding judgment system judges whether the service transaction is allowed or not, the service architecture model does not need to be changed, the sharing of the collateral article information is realized, the linkage service is developed among the services, the unified management of the collateral article is realized, the operability is high, and the cost is low.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an exemplary system architecture to which the request processing system and method may be applied, according to an embodiment of the disclosure;

FIG. 2 schematically illustrates a schematic diagram of a request processing system implementing collateral consolidated management based on a business architecture system according to an embodiment of the present disclosure;

fig. 3 schematically illustrates a flowchart of determining whether to allow a new service requested to be added according to an embodiment of the present disclosure;

fig. 4 schematically illustrates a flowchart of determining whether to allow a new service requested to be added according to another embodiment of the present disclosure;

fig. 5 schematically illustrates a flowchart of a method performed by a service addition determination system according to an embodiment of the present disclosure;

fig. 6 schematically illustrates a flow chart of a method performed by a service addition determination system according to another embodiment of the present disclosure;

figure 7 schematically illustrates a flow chart of a method performed by a collateral termination determination system according to an embodiment of the present disclosure;

FIG. 8 schematically illustrates a block diagram of a business architecture system according to an embodiment of the present disclosure;

fig. 9 schematically illustrates a block diagram of a service addition determination system according to an embodiment of the present disclosure;

figure 10 schematically illustrates a block diagram of a collateral termination determination system according to an embodiment of the present disclosure;

figure 11 schematically illustrates a block diagram of a collateral information management system according to an embodiment of the present disclosure; and

FIG. 12 schematically illustrates a block diagram of a computer system suitable for implementing the above-described method, in accordance with an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

An embodiment of the present disclosure provides a request processing system based on a service architecture collateral, including: the system comprises a business architecture system and a plurality of user-oriented business processing subsystems, wherein each business processing subsystem is used for acquiring a corresponding business handling request, the business handling request is used for requesting to newly add a business related to a target collateral product, and the target collateral product is mortgage already for a business of a business category before responding to the business handling request; a service addition judgment system, configured to: receiving a service handling request sent by a service handling subsystem in the service architecture system, and determining the service type of a service related to a target collateral article newly added in the request; under the condition that the target collateral article is in a normal collateral state, judging whether the newly added service is allowed to be added according to the service type of the newly added service, and obtaining a first judgment result; and sending the first judgment result to a service processing subsystem in the service architecture system, so that the service processing subsystem in the service architecture system prompts whether to allow the addition of the service related to the target collateral article according to the first judgment result.

FIG. 1 schematically illustrates an exemplary system architecture to which the request processing system and method may be applied, according to an embodiment of the disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, a system architecture 100 according to this embodiment may include a terminal device 101, a server 102, a server 103, and a network 104. The network 104 is used to provide a medium for communication links between the terminal devices 101, the server 102, and the server 103. Network 104 may include various connection types, such as wired and/or wireless communication links, and so forth.

A user may use terminal device 101 to interact with server 102, server 103, over network 104, to receive or send messages, etc. Various client applications, such as financial clients (for example only), may be installed on the

terminal devices

101, 102, 103.

The terminal device 101 may be various electronic devices having a display screen including, but not limited to, a smart phone, a tablet computer, a laptop portable computer, a desktop computer, and the like.

Server 102 or server 103 may be a server that provides various services, such as a background management server (for example only) that provides support for a user to transact business with terminal device 101. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the request processing method provided by the embodiment of the present disclosure may be generally executed by the server 102 and/or the server 103. Accordingly, the request processing system provided by the embodiments of the present disclosure may be generally disposed in server 102 and/or server 103. The request processing method provided by the embodiment of the present disclosure may also be executed by a server or a server cluster that is different from the server 102 and/or the server 103 and is capable of communicating with the terminal device 101, the server 102, or the server 103. Accordingly, the request processing system provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 102 or the server 103 and capable of communicating with the terminal device 101, the server 102, or the server 103. Alternatively, the request processing method provided by the embodiment of the present disclosure may also be executed by the terminal device 101, or may also be executed by another terminal device different from the terminal device 101. Accordingly, the request processing system based on the service architecture collateral provided by the embodiment of the present disclosure may also be disposed in the terminal device 101, or in another terminal device different from the terminal device 101.

According to the embodiment of the present disclosure, for example, a service architecture system and a service addition judgment system may be provided in the server 102, and a user may send a service transaction request to the service architecture system in the server 102 through a client in the terminal device 101. Alternatively, the service architecture system may be set in the server 102, the service addition determination system may be set in the server 103, the user may send a service transaction request to the service architecture system in the server 102 through the client in the terminal device 101, the server 102 sends the service transaction request to the server 103, and the service addition determination system in the server 103 determines whether to allow addition of a service related to the target collateral article.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Fig. 2 schematically illustrates a schematic diagram of a request processing system for implementing collateral consolidated management based on a business architecture system according to an embodiment of the present disclosure.

The request processing system based on the collateral article of the business architecture is a request processing system for realizing the unified management of the collateral article based on the business architecture system. As shown in fig. 2, the request processing system 200 may include a service architecture system 201 and a service addition judgment system 202.

The service architecture system 201 includes a plurality of user-oriented service processing subsystems, each of which is configured to obtain a corresponding service handling request, where the service handling request may be configured to request a new service related to a target collateral product, and where the target collateral product has already been subjected to collateral handling for a service class before responding to the service handling request for requesting the new service related to the target collateral product.

According to embodiments of the present disclosure, the plurality of user-oriented business processing subsystems may include, for example, a personal loan business processing subsystem, an installment business processing subsystem, a loan-to-public business processing subsystem, and so forth. For example, when a client of an enterprise uses a client to develop a loan-to-public service related to mortgage, the loan-to-public service processing subsystem receives a corresponding loan-to-public service processing request.

According to embodiments of the present disclosure, the target collateral has already been mortgage for a business category of business prior to responding to the business transaction request. For example, a request for processing a loan transaction uses a house as a collateral, which has previously processed a collateral for an installment before responding to the request for processing a loan transaction.

According to embodiments of the present disclosure, the business category may be, for example, an installment service, a loan to credit service, a guarantee service for others, and so on.

According to the embodiment of the present disclosure, the service addition judging system 202 is configured to receive a service handling request sent by a service handling subsystem in the service architecture system 201, and determine a service type of a service related to a target collateral article that is newly added; under the condition that the target collateral article is in a normal collateral state, judging whether to allow the newly added service according to the service type of the newly added service according to a strategy rule to obtain a first judgment result; and sending the first judgment result to a service processing subsystem in the service architecture system 201, so that the service processing subsystem in the service architecture system prompts whether to allow a new service related to the target collateral article according to the first judgment result.

According to an embodiment of the present disclosure, the condition that the target collateral article is in the normal collateral state may be, for example, that the collateral person normally repays, or that the target collateral article has no other disputes.

According to an embodiment of the present disclosure, when a collateral-related service is newly added, the service architecture system 201 may upload a service transaction request including a service type and collateral information to the service addition determination system 202.

According to an embodiment of the present disclosure, the request processing system 200 may further include a collateral information management system 204 for managing collateral information and for providing collateral information to the business architecture system 201, the business addition determination system 202, and the collateral termination determination system 203.

According to an embodiment of the present disclosure, the collateral information includes collateral-associated business information and collateral release amount information.

According to an embodiment of the present disclosure, the collateral information management system 204 may provide collateral information, collateral-associated business information, and collateral release amount information data for each business system and the client manager 205, providing shared resources. Meanwhile, after each business is developed or the collateral is released, the data is updated. Particularly, after receiving the payment information of each system, the collateral information management system 204 calculates the release amount of the collateral for the development of other services.

In the related art, the debit card loan business is developed earlier, and the collateral management system and system are relatively perfect. However, as the credit card installment business is gradually expanded, the collateral and the debit card loan collateral are crossed, the debit card and the credit card need to be communicated, the same collateral information of the credit card is not shared, and the system management is performed. The method for realizing the unified management of the collateral articles by applying the business architecture model is provided aiming at the problems that the collateral article information of each business of a debit card and a credit card of the same enterprise is not shared, linkage business can not be developed among businesses and the like.

The request processing method provided by the present disclosure may obtain the corresponding service handling request through one or more service processing subsystems in the service architecture system. And judging whether to allow the addition of the service related to the target collateral through a service addition judging system.

According to the embodiment of the disclosure, a corresponding collateral article termination request can be obtained through one or more service processing subsystems in the service architecture system, wherein the collateral article termination request is used for requesting termination of a target service related to a target collateral article; and executing judgment to allow the target service to be terminated by the collateral termination judgment system.

According to an embodiment of the present disclosure, the service addition judgment system 202 may obtain the total collateral data and the released amount data of the collateral from the collateral information management system 204 at the end of each day. When the relevant service is added in the day T, the service addition judging system 202 may inquire the collateral information data downloaded in the day T-1.

According to the embodiment of the present disclosure, the service addition judgment system 202 may check whether the collateral information already exists in the collateral information management system 204 through the collateral unique identifier (for example, the vehicle is a VIN code, and the property is a property certificate number).

According to an embodiment of the present disclosure, if collateral information already exists in collateral information management system 204, service addition determination system 202 determines whether the service can be added according to the added collateral service policy rules.

According to the embodiment of the present disclosure, the service addition judging system 202 judges whether to allow the addition of the service requested to be added according to the service type of the service requested to be added according to the policy rule.

For example, fig. 3 schematically shows a flowchart for determining whether to allow a new service requested to be added according to an embodiment of the present disclosure.

As shown in fig. 3, the method of determining whether to allow the addition of the service requested to be added includes operations S301 to S304.

In operation S301, when the service type of the service requested to be newly added is a loan service, a partial amount paid by the lender for the target collateral is calculated.

In operation S302, it is determined whether the loan application amount of the loan transaction is greater than the repayment partial amount.

In operation S303, if the loan application amount of the loan service is less than or equal to the repayment partial amount, a new service is allowed to be requested for the target collateral addition.

In operation S304, if the loan application amount of the loan service is greater than the repayment partial amount, the service newly added for the target collateral addition request is rejected.

According to an embodiment of the present disclosure, for example, the target collateral is a real estate, and the lender has transacted 100 ten thousand loans with the target collateral at the time of transacting the current loan transaction, and has completed 30 ten thousand repayment at present. And if the loan application amount of the loan party is 20 ten thousand at this time, the loan service newly added for the target collateral newly-added request is allowed. And if the loan application limit of the loan party at this time is 50 ten thousand, refusing the new loan service for the target collateral newly-increased request.

According to the embodiment of the disclosure, the service personnel can set the relationship between the service category and the release amount of the collateral in the service renewal judgment system 202. The method and the system can be applied to the processing logic of allowing the services released to other service types in the limit range of the repayment principal part in the services only with the relationship between the service types and the release limit of the collateral.

Fig. 4 schematically shows a flowchart for determining whether to allow a new service requested to be added according to another embodiment of the present disclosure.

As shown in fig. 4, the method for determining whether to allow the addition of the service requested to be added includes operations S401 to S402.

In operation S401, it is determined whether the service type of the service requested to be newly added is a micropayment service.

In operation S402, if the service type of the service requested to be added is a micropayment service, the service requested to be added for the target collateral is allowed, wherein the total payment amount of the micropayment service is less than or equal to the target threshold.

According to an embodiment of the present disclosure, for example, the service requesting the addition is the transaction of an installment service for a refrigerator, which is a micropayment service. According to the embodiment of the present disclosure, the size of the target threshold may be set by a service person, for example, the target threshold may be 2 ten thousand renminbi, 3 ten thousand renminbi, or the like.

According to the embodiment of the present disclosure, if the service type of the service requested to be added is not a small installment service, for example, a large installment service, for example, purchasing an automobile service, and determining whether to allow a new loan service for the target collateral article, other processing logic may be employed, for example, the method described in fig. 3 above may be employed. Of course, the present disclosure is not so limited.

Fig. 5 schematically shows a flowchart of a method performed by the service addition determination system according to an embodiment of the present disclosure.

As shown in fig. 5, the service addition judging system 202 is further configured to perform the following operations S501 to S503.

In operation S501, in a case where the target collateral is in a normal collateral state, it is determined whether the latest evaluation value of the target collateral is greater than the current guarantee amount of the target collateral, so as to determine whether to allow a new service requested to be added.

In operation S502, if the latest evaluation value of the target collateral is greater than or equal to the current guarantee amount of the target collateral, a new service for the target collateral addition request is allowed.

In operation S503, if the latest evaluation value of the target collateral is less than the current guarantee amount of the target collateral, the service newly added for the target collateral addition request is rejected.

According to an embodiment of the present disclosure, the latest evaluation value of the target collateral may be transmitted to the service addition judgment system 202 by the comparative service architecture system 201. The new transaction judgment system 202 can compare the latest evaluation value transmitted by the transaction architecture system 201 with the residual amount of the collateral, i.e. the current guarantee amount of the target collateral, of the collateral information management system 204. If the former is smaller than the latter, no new services are allowed.

According to an embodiment of the present disclosure, the service addition determination system 202 may further notify the risk department 206 to take risk prevention and control measures using a fixed telephone operation.

According to an embodiment of the present disclosure, when the collateral information needs to be updated, the service addition determination system 202 may further transmit an update instruction and data to the collateral information management system 204.

Fig. 6 schematically shows a flowchart of a method performed by a service addition determination system according to another embodiment of the present disclosure.

As shown in fig. 6, the service addition judging system 202 is further configured to perform the following operations S601 to S602.

In operation S601, in a case that the target collateral item is in a normal collateral state, it is determined whether the righter of the target collateral item is the same as the requester who requests the newly added service, so as to determine whether the newly added service is allowed.

In operation S602, if the righter of the target collateral is different from the requester who requests the new service, the new service requested for the target collateral is rejected.

According to the embodiment of the present disclosure, the requester requesting the new service may be transmitted by the service architecture system 201 to the service addition judgment system 202. Comparing the requester transmitted by the service architecture system 201 with the collateral owner of the collateral information management system 204, if they are not consistent, the service of a certain service class is not allowed to be added. And the service addition judgment system 202 can also notify the risk department 206 to take risk prevention and control measures by using a fixed telephone technology.

According to embodiments of the present disclosure, each service processing subsystem may be further configured to obtain a corresponding collateral termination request, where the collateral termination request is used to request termination of a target service associated with a target collateral.

Fig. 7 schematically illustrates a flow chart of a method performed by a collateral termination determination system according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, as shown in fig. 7, the collateral termination determination system 203 is configured to perform the following operations S701 to S703.

In operation S701, a collateral termination request sent by a business processing subsystem in the business architecture system 201 is received.

In operation S702, it is determined whether to allow the target service to be terminated according to the clearing condition of other services associated with the target collateral item, so as to obtain a second determination result.

In operation S703, the second determination result is sent to the service processing subsystem in the service architecture system 201, so that the service processing subsystem in the service architecture system 201 prompts whether to allow the target service to be terminated according to the second determination result.

According to an embodiment of the present disclosure, when the collateral is released, the service processing subsystem in the service architecture system 201 may upload the acquired service type, whether the service is settled, and the collateral information to the collateral termination determination system 203. The collateral termination determination system 203 identifies the collateral information and returns the result to the business architecture system 201. According to an embodiment of the present disclosure, when the collateral information needs to be updated, the collateral termination determination system 203 may transmit the update instruction and data to the collateral information management system 204.

According to an embodiment of the present disclosure, the collateral termination determination system 203 may obtain the clearing status of other services associated with the target collateral from the target service processing subsystem in the service architecture system 201. According to embodiments of the present disclosure, the clearing condition in the target business processing subsystem may be queried from the collateral information management system 204.

According to the embodiment of the disclosure, if the other services associated with the target collateral have an uncleared condition, the target service is refused to be terminated.

According to the embodiment of the present disclosure, after the collateral termination determining system 203 receives the collateral termination application of the business architecture system 201, the collateral termination application includes the clearing certification of all the businesses of the collateral in the system, and the collateral related business data in the collateral information management system 204 is obtained in real time.

If the collateral associated service only involves 1 business system, the representative business architecture system 201 has provided a clearing proof of all the services in that system.

If the collateral associated service only relates to a plurality of service systems, clearing conditions of the associated service in other service systems of the service architecture system 201 need to be called, and when the associated service is not cleared, a result that the collateral relation of the collateral is not allowed to be released is returned to the service architecture system 201 by using the fixed telephony template. When the associated services are all settled, the results of allowing the mortgage to be undone are returned to the service framework system 201 using the fixed-telephony template.

Since financial enterprises often include multiple user-oriented systems, each of which can register collateral information, data sharing between different systems is difficult. The system overcomes the defect that the collateral information registered by the system cannot efficiently support the resources of the financial enterprise. The method for realizing the uniform management of the collateral by using the business architecture system shares and supports collateral information in real time and efficiently expands business. The method has the following specific advantages:

firstly, by utilizing collateral data sharing, the intelligent judgment is made by using the existing collateral information in the service development process, and related services are expanded under the condition of controllable service risk.

Secondly, an intelligent judgment module is utilized to judge the newly added service and the mortgage removing rule, the client requirements are efficiently processed, interaction with each service system is added in the shared data, and the released amount of the mortgage is calculated for other services.

And finally, when the service system acquires the collateral article information and the shared resource is inconsistent, informing a risk department to take relevant measures.

FIG. 8 schematically illustrates a block diagram of a business architecture system in accordance with an embodiment of the disclosure.

As shown in fig. 8, the business architecture system 201 includes internal and external systems responsible for use by employees or customers, including, for example, a first business subsystem 2011, a second business subsystem 2012, and a third business subsystem 2013. The first service subsystem 2011, the second service subsystem 2012 and the third service subsystem 2013 may belong to different service domains, and each service subsystem may include one or more modules. The business domains and modules may exhibit a many-to-many relationship, e.g., module 34 may support both business domains for personal loans and for public loans.

It should be noted that, the functions of each service subsystem of the service architecture system described in fig. 8 may refer to descriptions in other embodiments, and are not described herein again.

Fig. 9 schematically shows a block diagram of a service addition judgment system according to an embodiment of the present disclosure.

As shown in fig. 9, the service addition judgment system 202 includes a collateral information downloading module 2021, a repeated collateral verification module 2022, a service addition policy rule module 2023, and a notification dialog module 2024.

The collateral information downloading module 2021 can obtain the total collateral data and the released amount data of the collateral information management system at the end of every day, when the relevant service is newly added on day T, the service newly-added judgment system 2 queries the collateral information management system data downloaded on day T-1, and checks whether the collateral information exists in the collateral management system based on the repeated collateral checking module 2022 through the unique collateral identification (the vehicle is the VIN code, and the house property is the house property certificate number). If the collateral information already exists in the collateral management system, the service adding policy rule module 2023 determines whether the service can be added according to the repeated collateral adding service rule, and returns the result to the service architecture system. When the collateral information needs to be updated, an update instruction and data are sent to the collateral information management system, and when the latest evaluation value sent by the service architecture system 1 is smaller than the record value of the collateral information management system or the information of the authorized persons is inconsistent, the service newly-increased judgment system 202 notifies the risk department to take risk prevention and control measures through the notification dialect module 2024.

It should be noted that, the functions of each module of the service addition judgment system described in fig. 9 may refer to descriptions in other embodiments, and are not described herein again.

Fig. 10 schematically illustrates a block diagram of a collateral termination determination system according to an embodiment of the present disclosure.

As shown in fig. 10, the collateral termination determination system 203 includes a collateral termination policy rule module 2031 and a notification dialog module 2032.

The collateral termination judgment system 203 is responsible for receiving and processing the collateral release service type, whether the service is settled and the collateral information sent by the service architecture system 201. The collateral termination policy rule module 2031 determines whether to allow for applying for mortgage release according to the mortgage termination policy rule. The notify telephony module 2032 returns the results to the business architecture system using a fixed telephony template.

It should be noted that, the functions of the modules of the collateral termination determination system described in fig. 10 may refer to the descriptions in other embodiments, and are not described herein again.

Fig. 11 schematically illustrates a block diagram of a collateral information management system according to an embodiment of the disclosure.

As shown in fig. 11, the collateral information management system 204 includes a collateral category 1 information management module 2041, a collateral category 2 information management module 2042, a collateral associated service information management module 2043, and a collateral limit release calculation module 2044.

The collateral item category 1 information management module 2041 is used to manage collateral item information of a first category, which may be collateral item information of a vehicle, for example.

The collateral-type-2 information management module 2042 is used to manage collateral information of a second category, which may be collateral information of a house, for example.

The collateral-related service information management module 2043 is used for managing collateral-related service information.

The collateral deposit amount release calculation module 2044 is used for calculating the collateral deposit release amount after the collateral deposit information management system 204 receives the repayment information of each system, so as to provide for the development of other services.

It should be noted that, the functions of the modules of the collateral information management system described in fig. 11 may refer to the descriptions in other embodiments, and are not described herein again.

Any of the modules according to embodiments of the present disclosure, or at least part of the functionality of any of them, may be implemented in one module. Any one or more of the modules according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging the circuit, or in any one of three implementations, or in any suitable combination of any of the three. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, any plurality of the collateral information downloading module 2021, the duplicate collateral checking module 2022, the business addition policy rule module 2023, and the notification policy module 2024 may be combined in one module to be implemented, or any one of the modules/units/sub-units may be split into a plurality of modules/units/sub-units. Alternatively, at least part of the functionality of one or more of these modules/units/sub-units may be combined with at least part of the functionality of other modules/units/sub-units and implemented in one module/unit/sub-unit. According to an embodiment of the present disclosure, at least one of the collateral information downloading module 2021, the duplicate collateral checking module 2022, the business addition policy rule module 2023, and the notification policy module 2024 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three manners of software, hardware, and firmware, or implemented by a suitable combination of any of them. Alternatively, at least one of the collateral information download module 2021, the duplicate collateral verification module 2022, the business addition policy rule module 2023, and the notification dialog module 2024 may be at least partially implemented as a computer program module that, when executed, may perform a corresponding function.

FIG. 12 schematically illustrates a block diagram of a computer system suitable for implementing the above-described method, in accordance with an embodiment of the present disclosure. The computer system illustrated in FIG. 12 is only one example and should not impose any limitations on the scope of use or functionality of embodiments of the disclosure.

As shown in fig. 12, a computer system 1200 according to an embodiment of the present disclosure includes a processor 1201, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1202 or a program loaded from a storage section 1208 into a Random Access Memory (RAM) 1203. The processor 1201 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 1201 may also include on-board memory for caching purposes. The processor 1201 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 1203, various programs and data necessary for the operation of the system 1200 are stored. The processor 1201, the ROM1202, and the RAM 1203 are connected to each other by a bus 1204. The processor 1201 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM1202 and/or the RAM 1203. Note that the programs may also be stored in one or more memories other than the ROM1202 and the RAM 1203. The processor 1201 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

System 1200 may also include an input/output (I/O) interface 1205, according to an embodiment of the disclosure, input/output (I/O) interface 1205 also connected to bus 1204. The system 1200 may also include one or more of the following components connected to the I/O interface 1205: an input section 1206 including a keyboard, a mouse, and the like; an output portion 1207 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 1208 including a hard disk and the like; and a communication section 1209 including a network interface card such as a LAN card, a modem, or the like. The communication section 1209 performs communication processing via a network such as the internet. A driver 1210 is also connected to the I/O interface 1205 as needed. A removable medium 1211, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is mounted on the drive 1210 as necessary, so that a computer program read out therefrom is mounted into the storage section 1208 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 1209, and/or installed from the removable medium 1211. The computer program, when executed by the processor 1201, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium. Examples may include, but are not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM1202 and/or the RAM 1203 and/or one or more memories other than the ROM1202 and the RAM 1203 described above.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions. Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A request processing system for a business architecture based collateral, comprising:

the system comprises a service architecture system and a plurality of user-oriented service processing subsystems, wherein each service processing subsystem is used for acquiring a corresponding service handling request, the service handling request is used for requesting to newly add services related to a target collateral article, and the target collateral article is mortgage already processed for a service of a service type before responding to the service handling request;

a service addition judgment system, configured to:

receiving a service handling request sent by a service processing subsystem in the service architecture system, and determining the service type of a service related to a target collateral article newly added in the request;

under the condition that the target collateral article is in a normal collateral state, judging whether the newly added service is allowed to be added according to the service type of the newly added service according to a strategy rule to obtain a first judgment result; and

and sending the first judgment result to a service processing subsystem in the service architecture system, so that the service processing subsystem in the service architecture system prompts whether to allow the addition of the service related to the target collateral article according to the first judgment result.

2. The system of claim 1, wherein the service addition judgment system is configured to judge whether to allow addition of the service requested to be added according to the service type of the service requested to be added and according to a policy rule, and comprises:

when the service type of the newly added service is the loan service, calculating the repayment partial amount of the target collateral by the lender;

if the loan application amount of the loan service is less than or equal to the repayment partial amount, allowing the service requesting for adding new for the target collateral article; and

and if the loan application amount of the loan service is greater than the repayment partial amount, refusing to add the service requesting for adding new to the target collateral.

3. The system of claim 1, wherein the service addition judgment system is configured to judge whether to allow addition of the service requested to be added according to the service type of the service requested to be added and according to a policy rule, and comprises:

4. The system of claim 1, wherein the service addition determination system is further configured to:

if the latest evaluation value of the target collateral is more than or equal to the current guarantee amount of the target collateral, allowing the service requesting new addition to be added to the target collateral; and

and if the latest evaluation value of the target collateral is less than the current guarantee amount of the target collateral, refusing to add the service which is requested to be added to the target collateral.

5. The system of claim 1, wherein the service addition determination system is further configured to:

under the condition that the target collateral article is in a normal collateral state, judging whether a right holder of the target collateral article is the same as the requester requesting the newly added service so as to determine whether the newly added service is allowed to be added; and

6. The system of claim 1, wherein:

each service processing subsystem is further configured to obtain a corresponding collateral article termination request, where the collateral article termination request is used to request termination of a target service related to the target collateral article;

the request processing system further comprises: a collateral termination determination system for:

receiving a collateral article termination request sent by a service processing subsystem in the service architecture system;

judging whether the target service is allowed to be terminated or not according to the clearing condition of other services related to the target collateral article to obtain a second judgment result; and

and sending the second judgment result to a service processing subsystem in the service architecture system, so that the service processing subsystem in the service architecture system prompts whether the target service is allowed to be terminated according to the second judgment result.

7. The system of claim 6 wherein the collateral termination determination system determining whether termination of the target traffic is allowed based on the clearing of other traffic associated with the target collateral comprises:

the collateral article termination judging system acquires the settlement condition of other services related to the target collateral article from a target service processing subsystem in the service architecture system; and

8. The system of claim 6, further comprising:

and the collateral information management system is used for managing collateral information and providing the collateral information to the service architecture system, the service addition judgment system and the collateral termination judgment system.

9. The system of claim 8 wherein the collateral information includes collateral associated business information and collateral release credit information.

10. A request processing method based on a business architecture collateral comprises the following steps:

acquiring corresponding service handling requests through one or more service processing subsystems in a service architecture system, wherein the service handling requests are used for requesting newly adding services related to a target collateral article, and the target collateral article is subjected to collateral handling of services of a service type before the service handling requests are responded;

executing by a service newly-added judgment system:

11. The method of claim 10, further comprising:

obtaining a corresponding collateral article termination request through one or more service processing subsystems in the service architecture system, wherein the collateral article termination request is used for requesting termination of a target service related to the target collateral article;

the mortgage termination judging system executes:

12. A computer system, comprising:

one or more processors;

a memory to store one or more instructions that,

wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement the method of claim 10 or 11.

13. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to carry out the method of claim 10 or 11.