CN110969520A - Loan application method, loan application device, loan application server and computer storage medium - Google Patents
Loan application method, loan application device, loan application server and computer storage medium Download PDFInfo
- Publication number
- CN110969520A CN110969520A CN201811158780.7A CN201811158780A CN110969520A CN 110969520 A CN110969520 A CN 110969520A CN 201811158780 A CN201811158780 A CN 201811158780A CN 110969520 A CN110969520 A CN 110969520A
- Authority
- CN
- China
- Prior art keywords
- loan
- application
- user
- information
- amount
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 35
- 238000012790 confirmation Methods 0.000 claims abstract description 64
- 238000012795 verification Methods 0.000 claims abstract description 34
- 230000007246 mechanism Effects 0.000 claims description 10
- 238000012545 processing Methods 0.000 claims description 10
- 230000010354 integration Effects 0.000 abstract description 7
- 238000007726 management method Methods 0.000 description 7
- 238000010586 diagram Methods 0.000 description 5
- 230000008569 process Effects 0.000 description 5
- 238000012550 audit Methods 0.000 description 3
- 238000009395 breeding Methods 0.000 description 3
- 230000001488 breeding effect Effects 0.000 description 3
- 238000004891 communication Methods 0.000 description 3
- 230000004927 fusion Effects 0.000 description 3
- 241001494479 Pecora Species 0.000 description 2
- 241000282887 Suidae Species 0.000 description 2
- 230000006399 behavior Effects 0.000 description 2
- 238000004590 computer program Methods 0.000 description 2
- 230000006872 improvement Effects 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 230000002452 interceptive effect Effects 0.000 description 2
- 230000008859 change Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 244000144972 livestock Species 0.000 description 1
- 230000008520 organization Effects 0.000 description 1
- 244000144977 poultry Species 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention provides a loan application method, a loan application device and a loan application server, wherein the loan application method comprises the following steps: obtaining a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution; checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to the insurance institution; receiving a confirmation result of the insurance institution for the loan application; and if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information of the user and/or the application information. The invention can automatically use the loan for paying the premium, and realizes the deep integration of the loan service and the insurance service.
Description
Technical Field
The invention relates to the technical field of internet finance, in particular to a loan application method, a loan application device, a loan application server and a computer storage medium.
Background
With the development of internet finance, a user signs an insurance policy with an insurance institution, and the operations of submitting loan application and the like to a loan platform can be operated through a webpage or a client side without going to a physical store, so that the business processing speed is improved; however, at present, the interaction among the loan platform, the insurance institution and the user is usually performed in respective network systems, for example, the user signs an insurance policy with the insurance institution first, then the user loans from the loan platform, and then pays a premium for money from the loan platform, so that more comprehensive information sharing cannot be realized, and the deep fusion of the loan service and the insurance service cannot be realized. Therefore, how to realize the deep integration of the loan service and the insurance service becomes a pending problem.
Disclosure of Invention
The embodiment of the invention provides a loan application method, a loan application device, a server and a computer storage medium, which can automatically use a loan for paying a premium and realize deep fusion of loan business and insurance business.
In one aspect, an embodiment of the present invention provides a loan application method, including:
obtaining a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase to an insurance institution;
checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution;
receiving a confirmation result of the insurance agency to the loan application;
and if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user.
In another aspect, an embodiment of the present invention provides a loan application apparatus, including:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring a loan application submitted by a user, and the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution;
the checking unit is used for checking the loan application according to the identity information of the user;
a sending unit, which is used for sending confirmation information of loan application to the insurance institution;
the receiving unit is used for receiving the confirmation result of the insurance institution for the loan application;
and the determining unit is used for determining the payment amount according to the identity information and/or the application information of the user when the verification is passed and the determination result is that the verification is passed.
In another aspect, an embodiment of the present invention provides a server, including:
a processor adapted to implement one or more instructions; and
a computer storage medium having one or more instructions stored thereon, the one or more instructions adapted to be loaded by the processor and to perform a method comprising:
obtaining a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase to an insurance institution;
checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution;
receiving a confirmation result of the insurance institution for the loan application;
and if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user.
In the embodiment of the invention, a loan platform acquires a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution; checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution; receiving a confirmation result of the insurance institution for the loan application; if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user; therefore, by implementing the embodiment of the invention, the loan can be automatically used for paying the premium, and the deep fusion of the loan service and the insurance service is realized.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic structural diagram of an agricultural financial management system according to an embodiment of the present invention;
FIG. 2 is a flow chart of one embodiment of a loan application method provided by an embodiment of the invention;
fig. 3 is a flow chart of another embodiment of a loan application method according to an embodiment of the invention;
fig. 4 is a schematic structural diagram of a loan application apparatus according to an embodiment of the invention;
fig. 5 is a schematic structural diagram of a server according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, a schematic structural diagram of an agricultural financial management system is provided for an embodiment of the present invention, as shown in the schematic structural diagram of the agricultural financial management system shown in fig. 1, the agricultural financial management system includes a loan platform 101, an insurance institution 102, and a terminal 103, the loan platform 101 is built by a loan platform server and is used for completing corresponding loan operations; the insurance platform 102 is built by an insurance company server and is used for providing insurance and the like for agricultural products; the terminal 103 is operated by the user to submit a loan application to the loan platform 101 and an insurance application to the insurance institution 102. The loan platform 101, the insurance institution 102 and the terminal 103 are jointly accessed to the agricultural financial management system and can directly carry out interactive operation.
In the agricultural financial management system shown in fig. 1, a loan platform 101 obtains a loan application submitted by a user through a terminal 103, the loan application comprising identity information of the user and application information of the user for applying for insurance purchase to an insurance institution through the terminal 103, wherein the application information may include, but is not limited to, the type and amount of agricultural and pastoral products to be insured by the user, the type of insurance products selected by the user, the amount of the insured product, the insurance cost, and the like; the loan platform 101 verifies the loan application according to the identity information of the user, and sends confirmation information of the loan application to the insurance institution 102 to confirm whether the application information of the loan application, which is contained in the loan application, of the user for applying for insurance purchase to the insurance institution is true; the insurance institution 102 judges whether the loan application is in fact according to the confirmation information, and if the loan application is in fact, sends a confirmation result to the loan platform 101; the loan platform 101 receives the confirmation result of the insurance institution 102 for the loan application, and if the loan application is approved and the confirmation result is that the loan application passes, the loan amount is determined according to the identity information and/or the application information of the user.
In the embodiment of the invention, the agricultural financial management system comprises a loan platform and an insurance institution; the loan platform acquires a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution; checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution; receiving a confirmation result of the insurance institution for the loan application; if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user; therefore, by implementing the embodiment of the invention, the loan can be automatically used for paying the premium, the deep integration of the loan service and the insurance service is realized, and the smooth execution of the service processing process is facilitated.
The embodiment of the invention provides a loan application method, please refer to fig. 2, which specifically includes the following steps:
and s201, the loan platform acquires a loan application submitted by the user, wherein the loan application comprises the identity information of the user and application information of the user for applying for insurance purchase from an insurance institution.
In particular, a loan application may be submitted by a user via a terminal to a loan platform, where the loan application may include, but is not limited to, the application of a loan to an agricultural product (e.g., farmed poultry or livestock), the renewal of a loan, and the like. The user's identity information may include, but is not limited to, name, identification number, occupation, income, etc., and serves as a unique identification for the user for auditing loan applications. The application information of the user and the insurance agency for insurance purchase may include, but is not limited to, a premium corresponding to insuring or continuing the agro-herd product. In step s201, a user may submit a loan Application through a terminal, in a specific implementation, the terminal may be a device such as a mobile phone and a tablet computer, an Application program (APP) for executing a loan Application service may be installed in the terminal, and the user runs the APP and submits the loan Application in an interactive interface of the APP; the loan application comprises the identity information of the user and the application information of the user and an insurance institution for applying for purchasing insurance.
And s202, the loan platform checks the loan application according to the identity information of the user.
Specifically, the identity information of the user is used as the unique identifier of the user and is used for inquiring the credit rating of the user. And the credit rating of the user is judged according to the credit information of the user and is used for auditing the loan application. The credit information of the user may include, but is not limited to, whether the user is on various credit blacklists, breeding/planting information of the user, sales information of the user, and the like. The identity information of the user and the credit information corresponding to the identity information are stored in a storage space or a database of the loan platform in advance, the loan platform can acquire the credit information corresponding to the identity information of the user from the storage space or the database of the loan platform, and the credit level of the user is judged according to the credit information of the user. For example, whether the user is in various credit blacklists is inquired according to the identity information of the user, and if not, the breeding/planting information of the user and the sales information of the user are inquired; and if the records of the information such as the variety, the quantity and the like of the cultured/planted products of the user are detailed and the historical sales performance is good, determining that the credit rating of the user is good.
s203, the loan platform receives the confirmation result of the insurance institution for the loan application.
The loan platform sends confirmation information of loan application to the insurance institution to confirm whether the application information of the user applying for insurance purchase from the insurance institution, which is contained in the loan application, is true or not, wherein the confirmation information of the loan application comprises the application information of the user applying for insurance purchase from the insurance institution. After receiving confirmation information of loan application, the insurance institution inquires whether the application information is consistent with insurance purchase application submitted by the user and stored in the server, if so, the insurance institution determines that the confirmation information is true and sends a confirmation result to the loan platform as confirmation passing; if not, the confirmation information is determined not to be true, and information that the loan application is not true is sent to the loan platform.
And s204, if the verification is passed and the confirmation result is that the verification is passed, the loan platform determines the loan amount according to the identity information and/or the application information of the user.
Specifically, the loan application is approved, and after the confirmation result is that the confirmation is passed, the loan amount is required to be determined. The paying amount can be determined according to the identity information of the user, specifically, a specific value of a credit level corresponding to the user is obtained according to the identity information of the user, and then the paying amount is determined according to the specific value; the payment amount can be determined according to the application information, and specifically, the payment amount is determined according to the premium to be paid contained in the application information.
Of course, the loan amount may also be determined according to the identity information and the application information of the user, specifically, a specific value of the credit level corresponding to the user is obtained according to the identity information of the user, and then the first loanable amount is determined according to the specific value; acquiring the premium to be paid contained in the application information according to the application information, then determining a second loanable amount according to the premium to be paid, and if the first loanable amount is greater than or equal to the second loanable amount, determining the second loanable amount as a loan amount; and if the first loanable amount is less than the second loanable amount, determining the first loanable amount as a loan amount.
In the embodiment of the invention, a loan platform acquires a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution; checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution; receiving a confirmation result of the insurance institution for the loan application; if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user; therefore, by implementing the embodiment of the invention, the loan can be automatically used for paying the premium, the deep integration of the loan service and the insurance service is realized, and the smooth execution of the service processing process is facilitated.
Another loan application method is proposed in the embodiment of the present invention, please refer to fig. 3, which specifically includes the following steps s301-s 305:
and s301, the loan platform acquires a loan application submitted by the user, wherein the loan application comprises the identity information of the user and application information of the user for applying for insurance purchase from an insurance institution. Step s301 of the present embodiment can refer to step s201 shown in fig. 1, which is not described herein again.
And s302, the loan platform checks the loan application according to the identity information of the user and sends confirmation information of the loan application to the insurance institution. Step s302 of the present embodiment can refer to step s202 shown in fig. 2, which is not described herein.
And s303, receiving the confirmation result of the insurance agency to the loan application. Step s303 of the present embodiment can refer to step s203 shown in fig. 2, which is not described herein again.
And s304, if the verification is passed and the confirmation result is that the verification is passed, the loan platform determines the loan amount according to the identity information and/or the application information of the user.
The determination of the payment amount comprises the following two conditions: and determining a money putting amount according to the application information, and determining the money putting amount according to the identity information and the application information of the user. The method comprises the following specific steps:
(1) the step of determining the payment amount according to the application information specifically comprises the following steps a1-a 2:
a1, acquiring the premium to be paid contained in the application information according to the application information;
a2, determining the amount corresponding to the premium to be paid as the deposit amount.
The premium to be paid contained in the application information is signed by the user and the insurance organization to purchase insurance products. For example, if the products to be guaranteed are pigs and sheep bred by the user, the user and the insurance institution determine the amount of insurance according to the breeds of the pigs and the sheep, the corresponding unit price and the overall breeding scale, wherein the amount of insurance comprises the payment amount of the user; the payment amount of the user is the premium to be paid, and the amount corresponding to the premium to be paid is determined as the payment amount.
(2) The step of determining the payment amount according to the identity information and the application information of the user specifically comprises the following steps b1-b 3:
b1, determining the credit line according to the identity information of the user;
b2, acquiring the premium to be paid contained in the application information according to the application information;
b3, if the credit line is less than the premium to be paid contained in the application message, determining the credit line as the payment line.
The credit line is determined by the credit level corresponding to the identity information of the user and comprises the loanable amount corresponding to the credit level of the user. For example, if the loanable amount corresponding to the credit level of the user is 1000 yuan, the credit line of the user is 1000 yuan; if the premium to be paid contained in the application information is 1500 yuan, the credit line of the user is smaller than the premium to be paid contained in the application information, and the paying line is determined to be 1000 yuan.
And s305, the loan platform pays the insurance fee to be paid contained in the application information to the insurance institution according to the payment amount.
The payment amount includes the following two conditions: the payment of the premium to the insurance institution according to the payment amount and the credit amount of the user, which are contained in the application information, includes the following two conditions:
(1) and if the payment amount is the amount corresponding to the premium, paying the premium to the insurance institution.
(2) If the payment amount is the credit amount of the user, namely the payment amount is smaller than the premium to be paid contained in the application information, paying the corresponding payment of the payment amount to the insurance mechanism, and informing the user of paying the difference between the premium to be paid and the payment amount.
If the payment to the insurance institution is successful, the loan platform records and stores the loan and sends the prompt information of successful loan to the terminal used by the user.
In another possible embodiment, the user may apply for the improvement of the loan amount according to the change of the products to be insured and the scale of cultivation, which specifically includes the following steps c1-c 3:
c1, the loan platform receives the application for improving the loan amount submitted by the user, and the application for improving the loan amount comprises the application for improving the loan amount;
c2, the loan platform checks the application for improving the loan amount according to the historical loan application and the historical policy information of the user;
c3, if the examination is passed, the loan platform re-determines the loan amount according to the loan amount requested to be increased.
The historical loan application and the historical policy information of the user are stored in a storage space or a database of the loan platform, and can be inquired according to the identity information of the user for checking and verifying the application for improving the loan amount; the redetermined deposit amount is the sum of the deposit amount and the deposit amount requested to be increased.
In the embodiment, an application for improving the loan amount submitted by a user is received, wherein the application for improving the loan amount comprises the application for improving the loan amount; checking and improving the application of the loan amount according to the historical loan application and the historical policy information of the user; if the verification is passed, re-determining the money putting amount according to the money putting amount increased by the application; therefore, by implementing the embodiment, the user can modify the loan amount according to the loan requirement, and the personalized requirement of the user is met.
In another possible embodiment, the loan platform analyzes the loan behavior and the insurance behavior of the user according to the historical loan application and the historical policy information of the user, and pushes a notification for improving the loan amount to the user, which specifically includes the following steps d1-d 3:
d1, the loan platform determines the allowed increased loan amount according to the user's historical loan application and historical policy information;
d2, the loan platform sending a notification to the user to increase the loan amount, the notification to increase the loan amount including allowing the increased loan amount;
d3, if receiving the confirmation operation of the user to the notice of the increase of the loan amount, the loan platform re-determines the loan amount according to the allowable increase of the loan amount.
The historical loan application and the historical policy information of the user are stored in a storage space or a database of the loan platform, and can be inquired according to the identity information of the user to determine the corresponding allowable increased loan amount of the user; if the confirmation operation of the user for the notification of the improvement of the loan amount is received, namely the user agrees to improve the loan amount, the redetermined loan amount is the sum of the loan amount and the loan amount allowed to be improved.
In the embodiment, the allowable improved loan amount is determined according to the historical loan application and the historical policy information of the user; sending a notification for improving the loan amount to the user, wherein the notification for improving the loan amount comprises the loan amount allowed to be improved; if receiving the confirmation operation of the user to the notification of improving the paying amount, re-determining the paying amount according to the paying amount allowed to be improved; therefore, the embodiment can provide personalized service for the user, and improves the user viscosity.
In the embodiment of the invention, a loan platform acquires a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution; checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution; receiving a confirmation result of the insurance institution for the loan application; if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user; paying the premium to be paid contained in the application information to the insurance mechanism according to the payment amount; paying the premium to be paid contained in the application information to the insurance mechanism according to the payment amount; therefore, by implementing the embodiment of the invention, the loan can be automatically used for paying the premium, the deep integration of the loan service and the insurance service is realized, and the smooth execution of the service processing process is facilitated.
Based on the description of the above embodiment of the loan application method, the embodiment of the present invention provides a loan application apparatus, which may be a computer program running in a server and may be applied to the loan application method shown in fig. 2 to 3 for executing the corresponding steps in the loan application method. Referring to fig. 4, the apparatus may include:
an obtaining unit 401, configured to obtain a loan application submitted by a user, where the loan application includes identity information of the user and application information of the user applying for insurance purchase from an insurance institution;
an auditing unit 402, configured to audit the loan application according to the identity information of the user;
a sending unit 403, configured to send confirmation information of the loan application to the insurance institution;
a receiving unit 404, configured to receive a confirmation result of the insurance institution for the loan application;
and the determining unit 405 is configured to determine the payment amount according to the identity information and/or the application information of the user when the audit is passed and the determination result is that the verification is passed.
In one embodiment, the apparatus further comprises:
and the payment unit 406 is used for paying the premium to be paid contained in the application information to the insurance mechanism according to the payment amount.
In another embodiment, the determining unit 405 is specifically configured to determine a payment amount according to the application information:
acquiring premium to be paid contained in the application information according to the application information;
and determining the amount corresponding to the premium to be paid as the payment amount.
In another embodiment, the payment amount is determined according to the identity information and the application information of the user, and the determining unit 405 is specifically configured to:
determining a credit line according to the identity information of the user;
acquiring premium to be paid contained in the application information according to the application information;
and if the credit line is smaller than the premium to be paid contained in the application information, determining the credit line as a payment line.
In another embodiment, the payment unit 406 is specifically configured to:
if the payment amount is less than the premium to be paid contained in the application information, paying the money corresponding to the payment amount to a insurance mechanism;
and informing the user of the difference between the premium to be paid and the payment amount contained in the payment application information.
In another embodiment, the receiving unit 404 is further configured to receive an application for increasing the loan amount submitted by the user, where the application for increasing the loan amount includes applying for an increased loan amount;
the checking unit 402 is further configured to check an application for increasing the loan amount according to the historical loan application and the historical policy information of the user;
the determining unit 405 is further configured to determine a deposit amount again according to the deposit amount increased by the application when the audit is passed.
In another embodiment, the determining unit 405 is further configured to determine an allowable increased loan amount according to the historical loan application and the historical policy information of the user;
a sending unit 403, further configured to send a notification of increasing the loan amount to the user, where the notification of increasing the loan amount includes the loan amount allowed to be increased;
the determining unit 405 is further configured to re-determine the deposit amount according to the deposit amount allowed to be increased when receiving a confirmation operation of the user for the notification of the increase of the deposit amount.
In the embodiment of the invention, a loan platform acquires a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution; checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution; receiving a confirmation result of the insurance institution for the loan application; if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user; paying the premium to be paid contained in the application information to the insurance mechanism according to the payment amount; paying the premium to be paid contained in the application information to the insurance mechanism according to the payment amount; therefore, by implementing the embodiment of the invention, the loan can be automatically used for paying the premium, the deep integration of the loan service and the insurance service is realized, and the smooth execution of the service processing process is facilitated.
Based on the description of the embodiments of the loan application method and apparatus, the embodiments of the invention also provide a server, which can be applied to the loan application method shown in fig. 2-3 for executing the corresponding steps in the loan application method. Referring to fig. 5, the internal structure of the server may include a processor, a communication interface, and a computer storage medium. The processor, the communication interface, and the computer storage medium in the server may be connected by a bus or other means, and fig. 5 shows an example of the connection by a bus in the embodiment of the present invention.
The communication interface is a medium for realizing interaction and information exchange between the server and the external device. The processor (or CPU) is a computing core and a control core of the server, and is adapted to implement one or more instructions, and in particular, is adapted to load and execute one or more instructions to implement corresponding method flows or corresponding functions; a computer storage medium (Memory) is a Memory device in a server for storing programs and data. It is understood that the computer storage medium herein may include both the built-in storage medium of the server and, of course, the extended storage medium supported by the server. The computer storage media provides storage space that stores the operating system of the server. Also, one or more instructions, which may be one or more computer programs (including program code), are stored in the memory space and are adapted to be loaded and executed by the processor. It should be noted that the computer storage medium may be a high-speed RAM memory, or may be a non-volatile memory (non-volatile memory), such as at least one disk memory; and optionally at least one computer storage medium located remotely from the processor.
In one embodiment, the computer storage medium stores one or more instructions, and the processor loads and executes the one or more instructions stored in the computer storage medium to implement the corresponding steps in the method flow shown in fig. 2 or fig. 3; in a specific implementation, one or more instructions in a computer storage medium are loaded by a processor and perform the following steps:
obtaining a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase to an insurance institution;
checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution;
receiving a confirmation result of the insurance institution for the loan application;
and if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user.
In another embodiment, after one or more instructions in the computer storage medium are loaded by the processor and executed to determine the deposit amount, the following steps are specifically executed:
and paying the premium to be paid contained in the application information to the insurance institution according to the payment amount.
In another embodiment, one or more instructions in the computer storage medium are loaded by the processor and perform the step of determining the payment amount according to the application information, specifically performing the following steps:
acquiring premium to be paid contained in the application information according to the application information;
and determining the amount corresponding to the premium to be paid as the payment amount.
In another embodiment, one or more instructions in the computer storage medium are loaded by the processor and perform the step of determining the payment amount according to the identity information and the application information of the user, specifically performing the following steps:
determining a credit line according to the identity information of the user;
acquiring premium to be paid contained in the application information according to the application information;
and if the credit line is smaller than the premium to be paid contained in the application information, determining the credit line as a payment line.
In another embodiment, one or more instructions in the computer storage medium are loaded by the processor and execute the step of paying the premium to be paid included in the application information to the insurance institution according to the payment amount, specifically executing the following steps:
if the payment amount is less than the premium to be paid contained in the application information, paying the money corresponding to the payment amount to a insurance mechanism;
and informing the user of the difference between the premium to be paid and the payment amount contained in the payment application information.
In another embodiment, one or more instructions in the computer storage medium are loaded by the processor and execute optional steps after paying the premium to be paid included in the application information to the insurance institution according to the payment amount, specifically executing the following steps:
receiving an application for improving the loan amount submitted by a user, wherein the application for improving the loan amount comprises the application for improving the loan amount;
checking and improving the application of the loan amount according to the historical loan application and the historical policy information of the user;
and if the verification is passed, re-determining the deposit amount according to the deposit amount increased by the application.
In another embodiment, one or more instructions in the computer storage medium are loaded by the processor and execute optional steps after paying the premium to be paid included in the application information to the insurance institution according to the payment amount, specifically executing the following steps:
determining the allowable improved loan amount according to the historical loan application and the historical policy information of the user;
sending a notification of an increase in the payout amount to the user, the notification of the increase in the payout amount including an allowance for the increase in the payout amount;
and if the confirmation operation of the user for the notification of improving the paying amount is received, re-determining the paying amount according to the paying amount allowed to be improved.
In the embodiment of the invention, a loan platform acquires a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution; checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to an insurance institution; receiving a confirmation result of the insurance institution for the loan application; if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information and/or the application information of the user; paying the premium to be paid contained in the application information to the insurance mechanism according to the payment amount; therefore, by implementing the embodiment of the invention, the loan can be automatically used for paying the premium, the deep integration of the loan service and the insurance service is realized, and the smooth execution of the service processing process is facilitated.
The above disclosure is only for the purpose of illustrating the preferred embodiments of the present invention, and it is therefore to be understood that the invention is not limited by the scope of the appended claims.
Claims (10)
1. A loan application method, comprising:
obtaining a loan application submitted by a user, wherein the loan application comprises identity information of the user and application information of the user for applying for insurance purchase from an insurance institution;
checking the loan application according to the identity information of the user, and sending confirmation information of the loan application to the insurance institution;
receiving a confirmation result of the insurance institution for the loan application;
and if the verification is passed and the confirmation result is that the verification is passed, determining the payment amount according to the identity information of the user and/or the application information.
2. The method of claim 1, further comprising:
and paying the premium to be paid contained in the application information to the insurance institution according to the payment amount.
3. The method of claim 1 or 2, wherein the determining a credit based on the identity information of the user and/or the application information comprises:
acquiring premium to be paid contained in the application information according to the application information;
and determining the amount corresponding to the premium to be paid as a payment amount.
4. The method of claim 1 or 2, wherein the determining a credit based on the identity information of the user and/or the application information comprises:
determining a credit line according to the identity information of the user;
acquiring premium to be paid contained in the application information according to the application information;
and if the credit line is smaller than the premium to be paid contained in the application information, determining the credit line as a payment line.
5. The method according to claim 2, wherein the paying the insurance institution of the premium to be paid included in the application information according to the deposit amount comprises:
if the payment amount is smaller than the premium to be paid contained in the application information, paying the money corresponding to the payment amount to the insurance mechanism;
and informing the user to pay the difference between the premium to be paid and the payment amount contained in the application information.
6. The method of claim 1, further comprising:
receiving an application for improving the loan amount submitted by the user, wherein the application for improving the loan amount comprises the application for improving the loan amount;
checking the application for improving the loan amount according to the historical loan application and the historical policy information of the user;
and if the verification is passed, re-determining the deposit amount according to the deposit amount increased by the application.
7. The method of claim 1, further comprising:
determining the allowable improved loan amount according to the historical loan application and the historical policy information of the user;
sending a notification of increasing the loan amount to the user, wherein the notification of increasing the loan amount comprises the loan amount allowed to be increased;
and if the confirmation operation of the user for the notification of the improved loan amount is received, re-determining the loan amount according to the loan amount allowed to be improved.
8. A loan application apparatus, comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring a loan application submitted by a user, and the loan application comprises identity information of the user and application information of the user for applying for insurance purchase to an insurance institution;
the checking unit is used for checking the loan application according to the identity information of the user;
a sending unit, configured to send confirmation information of the loan application to the insurance institution;
a receiving unit, configured to receive a confirmation result of the insurance institution for the loan application;
and the determining unit is used for determining the payment amount according to the identity information of the user and/or the application information when the verification is passed and the determination result is that the verification is passed.
9. A server, comprising: a processor and a storage device;
the storage device stores program instructions that are invoked by the processor to perform a loan application method as claimed in any one of claims 1-7.
10. A computer storage medium having stored thereon program instructions for, when executed, implementing a loan application method as claimed in any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811158780.7A CN110969520A (en) | 2018-09-30 | 2018-09-30 | Loan application method, loan application device, loan application server and computer storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811158780.7A CN110969520A (en) | 2018-09-30 | 2018-09-30 | Loan application method, loan application device, loan application server and computer storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110969520A true CN110969520A (en) | 2020-04-07 |
Family
ID=70029039
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811158780.7A Pending CN110969520A (en) | 2018-09-30 | 2018-09-30 | Loan application method, loan application device, loan application server and computer storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110969520A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111507833A (en) * | 2020-06-30 | 2020-08-07 | 浙江网商银行股份有限公司 | Credit limit processing method and device and crop identification method and device |
| CN111507834A (en) * | 2020-06-30 | 2020-08-07 | 浙江网商银行股份有限公司 | Credit limit processing method and device and user resource processing method and device |
| CN111861720A (en) * | 2020-07-27 | 2020-10-30 | 泰康保险集团股份有限公司 | Medication request processing method and device, electronic equipment and computer readable medium |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1293422A (en) * | 1999-10-15 | 2001-05-02 | 摩利资股份有限公司 | Method and system of paying financial insurance charge |
| US20090112744A1 (en) * | 2007-10-24 | 2009-04-30 | Mobilekash, Inc. | System, Method, and Computer-Readable Medium for Mobile Loan Acquisition |
| US20090276248A1 (en) * | 2008-04-30 | 2009-11-05 | Capital Premium Financing, Inc. | Apparatus, system, and method for funding insurance premium financing contracts |
| CN106384281A (en) * | 2016-05-18 | 2017-02-08 | 平安科技（深圳）有限公司 | Policy loan processing method and device |
| CN107067319A (en) * | 2017-03-13 | 2017-08-18 | 平安科技（深圳）有限公司 | Loan limit measuring method and device |
| CN108335189A (en) * | 2017-09-19 | 2018-07-27 | 平安普惠企业管理有限公司 | Loan processing method, server and readable storage medium storing program for executing on line |
| CN110969521A (en) * | 2018-09-30 | 2020-04-07 | 重庆小雨点小额贷款有限公司 | Loan method, loan device, loan server and loan storage medium |
-
2018
- 2018-09-30 CN CN201811158780.7A patent/CN110969520A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1293422A (en) * | 1999-10-15 | 2001-05-02 | 摩利资股份有限公司 | Method and system of paying financial insurance charge |
| US20090112744A1 (en) * | 2007-10-24 | 2009-04-30 | Mobilekash, Inc. | System, Method, and Computer-Readable Medium for Mobile Loan Acquisition |
| US20090276248A1 (en) * | 2008-04-30 | 2009-11-05 | Capital Premium Financing, Inc. | Apparatus, system, and method for funding insurance premium financing contracts |
| CN106384281A (en) * | 2016-05-18 | 2017-02-08 | 平安科技（深圳）有限公司 | Policy loan processing method and device |
| CN107067319A (en) * | 2017-03-13 | 2017-08-18 | 平安科技（深圳）有限公司 | Loan limit measuring method and device |
| CN108335189A (en) * | 2017-09-19 | 2018-07-27 | 平安普惠企业管理有限公司 | Loan processing method, server and readable storage medium storing program for executing on line |
| CN110969521A (en) * | 2018-09-30 | 2020-04-07 | 重庆小雨点小额贷款有限公司 | Loan method, loan device, loan server and loan storage medium |
Non-Patent Citations (1)
| Title |
|---|
| 毛通: "金融机构在"三位一体"信用合作模式创新中的探索――以瑞安农商行为例", 《安徽农学通报》 * |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111507833A (en) * | 2020-06-30 | 2020-08-07 | 浙江网商银行股份有限公司 | Credit limit processing method and device and crop identification method and device |
| CN111507834A (en) * | 2020-06-30 | 2020-08-07 | 浙江网商银行股份有限公司 | Credit limit processing method and device and user resource processing method and device |
| TWI779535B (en) * | 2020-06-30 | 2022-10-01 | 大陸商浙江網商銀行股份有限公司 | Credit limit processing method and device, and user resource processing method and device |
| CN111861720A (en) * | 2020-07-27 | 2020-10-30 | 泰康保险集团股份有限公司 | Medication request processing method and device, electronic equipment and computer readable medium |
| CN111861720B (en) * | 2020-07-27 | 2023-11-28 | 泰康保险集团股份有限公司 | Medication request processing method and device, electronic equipment and computer readable medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20120239552A1 (en) | System and method for dynamic working capital | |
| CN108038774A (en) | Net about method, system and the storage medium of car clearing and reimbursement | |
| US8027852B2 (en) | Apparatus, systems and methods for providing investment performance enhanced life insurance products | |
| CN110969521B (en) | Loan method, loan device, server and storage medium | |
| CN109472574A (en) | Method of payment, device, computer equipment and storage medium | |
| CN110969520A (en) | Loan application method, loan application device, loan application server and computer storage medium | |
| CN110148046A (en) | A kind of payment management method and device | |
| CN109191193A (en) | Calculation method, device and the computer readable storage medium of commission | |
| CN110969505A (en) | Agricultural management method and device and block chain-based agricultural product supply chain system | |
| US20190318423A1 (en) | System and method for issuing and managing flexible loans | |
| CN112529687A (en) | Loan and repayment bookkeeping method and device, equipment and storage medium thereof | |
| CN112116482A (en) | Financing data processing method and device based on block chain | |
| CN111091439A (en) | Order association marketing campaign implementation method, system, equipment and storage medium | |
| CN112633954B (en) | Rights and interests processing method and device based on block chain | |
| CN108346095B (en) | Management and control method, device and equipment of combined system and computer readable storage medium | |
| CN113379523A (en) | Bill generation method, device, medium and electronic equipment | |
| CN114140252A (en) | Resource allocation method of target object and related device | |
| US20120173330A1 (en) | Personalized Financial Planning Based on Transactional History | |
| CN112330448A (en) | Fund management method, terminal device and storage medium | |
| CN110969522B (en) | Loan method, loan device, server and storage medium | |
| KR101735287B1 (en) | The method, server and system for providing application funding service | |
| CN109670812A (en) | Method of payment, device, terminal and storage medium | |
| US11551175B1 (en) | Facilitating shareholder voting and associated proxy rights | |
| US11580478B1 (en) | Facilitating shareholder voting and associated proxy rights | |
| CN111626873A (en) | Data processing method and device, storage medium and electronic terminal |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20200407 |