CN110992166B - Method and device for testing online loan application - Google Patents
Method and device for testing online loan application Download PDFInfo
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- CN110992166B CN110992166B CN201911189288.0A CN201911189288A CN110992166B CN 110992166 B CN110992166 B CN 110992166B CN 201911189288 A CN201911189288 A CN 201911189288A CN 110992166 B CN110992166 B CN 110992166B
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Abstract
The invention provides a method and a device for testing on-line loan application, wherein the method comprises the following steps: when a test message of applying for loans on line is received, determining applicant information in the test message and the loan type of applying for the loans by the applicant, and judging whether credit investigation simulation data corresponding to the applicant information exists in a preset credit investigation simulation database; if the credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database, acquiring the credit investigation simulation data, determining a loan condition corresponding to a loan type, and judging whether the applicant meets the loan condition based on the credit investigation simulation data; when the loan condition is met, the applicant applies for the loan successfully; when the loan condition is not satisfied, the applicant fails to apply for the loan; to complete the online application loan test corresponding to the test message. By applying the invention, the test period is shortened, the test flow is simplified, and the cost input for carrying out online loan test is reduced.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a testing method and device for applying loans online.
Background
With the continuous development of computer technology, a plurality of e-commerce platforms start to release online loan services, and online loans are performed by helping lending parties to establish a lending relationship and completing related procedures by means of an e-commerce professional network platform. The online loan has simple and convenient loan procedure and short auditing period, and becomes the first choice of many people.
In order to provide users with better services and safer online loan environments, developers continuously develop and perfect online loan functions. When developer develops various online loans, it needs to test and simulate continuously, and when the test of online loan function tends to be stable, the online loan function is released to public. When development test is carried out, corresponding simulation and test are required to be completed according to the credit data of the user in the pedestrian credit system.
When a developer tests the function of an online loan, the developer needs to apply for using the credit data of the user in the pedestrian credit system and spends time waiting for approval, and different development test scenes need to apply for different credit data of the user for testing, so that the test period is prolonged, and a lot of manpower, material resources and financial resources are consumed.
Disclosure of Invention
In view of this, the invention provides a method and a device for testing an online application loan, which can shorten the testing period of the online application loan, reduce the input cost during testing, and facilitate testing.
In order to achieve the above purpose, the present invention provides the following technical solutions:
A testing method for online loan application includes:
when a test message of applying for loans on line is received, determining applicant information in the test message and the loan type of applying for the loans by the applicant;
Calling a preset credit simulation database, and judging whether credit simulation data corresponding to the applicant information exists in the credit simulation database, wherein a plurality of credit simulation data exist in the credit simulation database, and the credit simulation data are generated according to a credit template provided by a pedestrian credit system;
if the credit investigation simulation database is judged to contain credit investigation simulation data corresponding to the applicant information, acquiring the credit investigation simulation data;
Determining a loan condition corresponding to the loan type, and judging whether the applicant meets the loan condition based on the credit investigation simulation data;
when judging that the applicant meets the loan conditions, judging that the applicant applies for loan success, generating loan success information, and feeding back the loan success information;
And when judging that the applicant does not meet the loan condition, judging that the applicant fails to apply for the loan, generating loan failure information, and feeding back the loan failure information.
The method, optionally, the process of generating the credit simulation data includes:
Determining sample data of each user and a credit module provided by the pedestrian credit system;
sequentially acquiring each piece of user sample data, and determining the currently acquired user sample data as target user sample data;
And importing the target user sample data into the credit investigation template according to a preset importing rule, and generating credit investigation simulation data corresponding to the target user sample data.
In the above method, optionally, the determining whether the credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database includes:
Determining applicant identification information in the applicant information;
Determining user identification information of each credit investigation simulation data in the credit investigation simulation database;
traversing the applicant identification information to each piece of user identification information, and judging whether the user identification information matched with the applicant identification information exists or not;
If user identification information matched with the applicant identification information exists, judging that credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database;
And if the user identification information matched with the applicant identification information does not exist, judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database.
The method, optionally, further comprises:
if the credit investigation simulation database is judged to not contain the credit investigation simulation data corresponding to the applicant information, the preset prompt information is fed back, and the online application loan test corresponding to the test message is ended.
The method, optionally, wherein the determining whether the applicant meets the loan condition based on the credit simulation data includes:
analyzing the credit investigation simulation data by applying a preset evaluation algorithm to obtain credit investigation information corresponding to the applicant;
Comparing the credit investigation information with the loan condition to judge whether the credit investigation information accords with the loan condition;
If the credit investigation information is judged to be in accordance with the loan condition, the applicant meets the loan condition;
if the credit investigation information is judged to be not in accordance with the loan condition, the applicant does not meet the waiting condition.
A testing device for applying loans online, comprising:
The first determining unit is used for determining applicant information in a test message and the type of loan applied by the applicant when the test message of applying for the loan on line is received;
The calling unit is used for calling a preset credit simulation database and judging whether credit simulation data corresponding to the applicant information exist in the credit simulation database, wherein the credit simulation database contains a plurality of credit simulation data which are generated according to a credit template provided by a pedestrian credit system;
The acquisition unit is used for acquiring the credit investigation simulation data if judging that the credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database;
A second determining unit configured to determine a loan condition corresponding to the loan type, and determine whether the applicant satisfies the loan condition based on the credit standing simulation data;
The first judging unit is used for judging that the applicant applies for loan successfully and generating loan success information and feeding back the loan success information when judging that the applicant meets the loan condition;
And the second judging unit is used for judging that the applicant fails to apply for the loan and generating loan failure information and feeding back the loan failure information when judging that the applicant does not meet the loan condition.
The above device, optionally, further comprises:
The second determining unit is used for determining sample data of each user and credit module provided by the pedestrian credit system;
the third determining unit is used for sequentially acquiring the user sample data and determining the currently acquired user sample data as target user sample data;
and the importing unit is used for importing the target user sample data into the credit investigation template according to a preset importing rule and generating credit investigation simulation data corresponding to the target user sample data.
The above device, optionally, the calling unit includes:
a first determining subunit, configured to determine applicant identification information in the applicant information;
the second determining subunit is used for determining the user identification information of each credit investigation simulation data in the credit investigation simulation database;
a traversing subunit, configured to traverse the applicant identification information through each piece of user identification information, and determine whether there is the user identification information that matches with the applicant identification information;
a first judging subunit, configured to judge that, if user identification information matched with the applicant identification information exists, there exists credit investigation simulation data corresponding to the applicant information in the credit investigation simulation database;
and the second judging subunit is used for judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database if the user identification information matched with the applicant identification information does not exist.
The above device, optionally, further comprises:
And the feedback unit is used for feeding back preset prompt information and ending the online application loan test corresponding to the test message if judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database.
The above apparatus, optionally, the second determining unit includes:
the analysis subunit is used for analyzing the credit investigation simulation data by applying a preset evaluation algorithm to obtain credit investigation information corresponding to the applicant;
the comparison subunit is used for comparing the credit investigation information with the loan conditions so as to judge whether the credit investigation information accords with the loan conditions;
A third judging subunit, configured to, if it is judged that the credit information meets the loan condition, enable the applicant to meet the loan condition;
And the fourth judging subunit is used for judging that the credit information does not meet the loan condition, and the applicant does not meet the waiting condition.
Compared with the prior art, the invention has the following advantages:
The invention provides a testing method for applying loans online, which comprises the following steps: when a test message of applying for loans on line is received, determining applicant information in the test message and the loan type of applying for the loans by the applicant, and judging whether credit investigation simulation data corresponding to the applicant information exists in a preset credit investigation simulation database; if the credit investigation simulation database is judged to contain credit investigation simulation data corresponding to the applicant information, acquiring the credit investigation simulation data; determining a loan condition corresponding to the loan type, and judging whether the applicant meets the loan condition based on the credit investigation simulation data; when judging that the applicant meets the loan conditions, judging that the applicant applies for loan success, generating loan success information, and feeding back the loan success information; and when judging that the applicant does not meet the loan condition, judging that the applicant fails to apply for the loan, generating loan failure information, and feeding back the loan failure information. By the application of the invention, whether the applicant meets the loan conditions is judged by calling the credit simulation data in the preset credit simulation database so as to complete the corresponding online loan test; therefore, an external connection pedestrian credit investigation system is not needed, the test period is shortened, the test flow is simplified, and the cost input for carrying out the online loan test is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a method for testing an online loan application method according to an embodiment of the invention;
FIG. 2 is a flowchart of another method of the online loan application testing method according to an embodiment of the invention;
FIG. 3 is a flowchart of another method of the online loan application testing method according to an embodiment of the invention;
Fig. 4 is a schematic device structure diagram of a testing device for applying loans online according to an embodiment of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In the present disclosure, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet devices, multiprocessor devices, distributed computing environments that include any of the above devices or devices, and the like.
The embodiment of the invention provides a method for testing on-line loan application, which can be applied to various system platforms and various application programs, wherein an execution subject of the method can be a processor or a server of a computer or mobile equipment, a flow chart of the method is shown in fig. 1, and the specific description is as follows:
S101, when a test message for applying a loan on line is received, determining applicant information in the test message and a loan type of the applicant applying the loan.
In the method provided by the embodiment of the invention, a tester sends a test message for applying loans online to a processor, and when the processor receives the test message, the processor analyzes the test message to acquire applicant information in the test message and the type of loans applied by the applicant, wherein the applicant information comprises but is not limited to information such as name, gender, identity card number, age and the like of the applicant; the loan types include, but are not limited to, personal loans, business loans, and the like.
S102, calling a preset credit simulation database, and judging whether credit simulation data corresponding to the applicant information exists in the credit simulation database, wherein a plurality of credit simulation data exist in the credit simulation database, and the credit simulation data are generated according to a credit template provided by a pedestrian credit system.
In the method provided by the embodiment of the invention, the preset credit investigation simulation data are called, and whether the credit investigation simulation data corresponding to the applicant information exist in the credit investigation simulation database is judged; the credit simulation database stores a plurality of credit simulation data, wherein the credit simulation data are data generated according to a credit template provided by a pedestrian credit system; it should be noted that, each credit analog data in the credit analog database only acts on the test of the loan application, and is not applicable to the determination data of actually performing the loan application. The pedestrian credit investigation system is a China people bank credit investigation system, the pedestrian credit investigation system comprises an enterprise credit information basic database and a personal credit information database, and credit investigation data in the pedestrian credit investigation system are generated and stored according to a credit investigation template of the pedestrian credit investigation system; generating credit simulation data consistent with the form and structure of credit data in the pedestrian credit system by using a credit template provided by the pedestrian credit system, and constructing a credit simulation database according to the generated credit simulation data; the credit investigation simulation data in the credit investigation simulation database can be used for testing the loan application.
S103, if the credit investigation simulation database is judged to contain credit investigation simulation data corresponding to the applicant information, acquiring the credit investigation simulation data.
In the method provided by the embodiment of the invention, if the credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database, the credit investigation simulation data corresponding to the applicant information is obtained.
S104, determining a loan condition corresponding to the loan type, and judging whether the applicant meets the loan condition or not based on the credit investigation simulation data.
In the method provided by the embodiment of the invention, the loan condition corresponding to the loan type can be determined according to the information such as the loan amount applied by the applicant in the test message, and whether the applicant meets the loan condition is judged based on the credit investigation simulation data; it should be noted that, different loan conditions, the same loan type corresponds to different loan conditions; for example, when the type of loan is a personal loan, when the amount of the loan applied by the applicant is in the range of more than ten thousand, less than or equal to two ten thousand, the credit score of the loan of the applicant needs to be good, and no unremoved loan is currently delinquent; when the loan amount applied by the applicant is in the range of more than two tens of thousands, as small as three tens of thousands or more, the loan credit score of the applicant needs to be excellent, and no loan record exists at present; when the credit score of the loan of the applicant is poor, the applicant cannot apply for the loan; when the type of the loan applied by the applicant is a personal loan and the amount of the applied loan is ten thousand yuan, the corresponding loan condition is that "when the amount of the applied loan by the applicant is in the range of more than ten thousand, less than or equal to two ten thousand, the credit score of the loan by the applicant needs to be good and no unremoved loan is currently delinquent".
And S105, when judging that the applicant meets the loan conditions, judging that the applicant applies for loan success, generating loan success information, and feeding back the loan success information.
And S106, when the applicant is judged not to meet the loan conditions, judging that the applicant applies for loan failure, generating loan failure information, and feeding back the loan failure information.
In the method provided by the embodiment of the invention, when judging that the applicant meets the loan condition, judging that the applicant applies for loan successfully, generating loan success information, and feeding back the loan success information to complete the test corresponding to the test message; the loan success information includes, but is not limited to, information of loan conditions satisfied by the applicant. When judging that the applicant meets the loan condition, judging that the applicant applies for loan failure, generating loan failure information, and feeding back the loan failure information to complete the test corresponding to the test message; the loan failure information includes information of loan conditions that the applicant does not satisfy.
In the method provided by the embodiment of the invention, when a test message for applying for loans on line is received, determining applicant information in the test message and a loan type of the applicant applying for the loans, calling a preset credit simulation database, judging whether credit simulation data corresponding to the applicant information exists in the credit simulation database, if so, acquiring the credit simulation data, and determining a loan condition corresponding to the loan type; judging whether the applicant meets the loan conditions or not based on the credit investigation simulation data; when the applicant meets the loan condition, the applicant loans successfully, and the generated loan success information is fed back; and when the applicant does not meet the loan condition, failing the applicant loan and feeding back the generated loan failure information. When the method provided by the invention is applied, when a test message of applying for loans on line is received, the credit investigation simulation data in the preset credit investigation simulation database is applied to judge whether the applicant meets the loan conditions, so that the loan application test corresponding to the test message is completed.
When the method provided by the invention is applied, if the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database, the preset prompt information is fed back, and the online application loan test corresponding to the test message is ended. It should be noted that, the prompt information is used for prompting the development and test personnel to add corresponding applicant information so as to complete the corresponding loan application test.
In the method provided by the embodiment of the invention, the generation process of the credit investigation simulation data in the credit investigation simulation database is as follows:
Determining sample data of each user and a credit module provided by the pedestrian credit system;
sequentially acquiring each piece of user sample data, and determining the currently acquired user sample data as target user sample data;
And importing the target user sample data into the credit investigation template according to a preset importing rule, and generating credit investigation simulation data corresponding to the target user sample data.
In the method provided by the embodiment of the invention, each user sample data is determined, wherein the user sample data comprises various information of a user, such as: the name, sex, identification card number, bank card record, credit card borrowing record, work unit, work property, etc. of the user; determining a credit investigation template provided by a pedestrian credit investigation system; sequentially acquiring each piece of user sample data, and determining the currently acquired sample data as target user sample data; determining the data attribute of each field in the credit investigation template, determining the data corresponding to the target user sample data and the data attribute, and importing the data into the field so as to generate credit investigation simulation data corresponding to the target user sample data according to the credit investigation template with the target sample data; and determining the next acquired user sample data as target sample data, and executing an operation corresponding to the target sample data.
It should be noted that, here, part of the content in the credit template is described;
<PA01BQ01>XXX</PA01BQ01>
<PA01BD02>XXXX</PA01BD02>
<PA01BI01>XXXXXXXXXXXX</PA01BI01>
Wherein, the data attribute of the field PA01BQ01 is name; the data attribute of the PA01BD02 is a certificate type; the data attribute of PA01BI01 is certificate feature;
The information in the user sample data 1 includes: name: king II; certificate type: an identity card; certificate characteristics: the ID card number is 43070219890905122X; importing the information in the user sample data 1 into the corresponding field in the credit template, and obtaining:
< PA01BQ01> Wangdi (PA 01BQ 01)
< PA01BD02> 0|identity card >
<PA01BI01>43070219890905122X</PA01BI01>
The credit simulation data of the queen second is obtained according to the credit template after the user sample information 1 is imported, and the credit simulation data generated according to the credit template can include, but is not limited to, personal basic information, credit card information and external loan information; the specific form of the credit simulation data can be a data table, and user identification information such as a name, an identity card number and the like of a user exists in each credit simulation data. And finishing the bottoming of the credit investigation simulation data in the credit investigation simulation database according to the credit investigation template.
In the method provided by the embodiment of the invention, the credit investigation simulation data is generated by applying the credit investigation template provided by the pedestrian credit investigation system, the data structure and the form of the credit investigation simulation data are the same as those of the credit investigation data in the pedestrian credit investigation system, the data laying of the credit investigation simulation database is completed by using the credit investigation simulation data, the credit investigation application is tested by using the credit investigation simulation data in the credit investigation simulation database, various test scenes can be supported by applying the credit investigation simulation data in the credit investigation simulation database, and corresponding credit investigation simulation data can be added according to the needs of testers, thereby improving the test convenience.
In the method provided by the embodiment of the invention, when the credit investigation simulation data in the credit investigation simulation database is applied to test, whether the credit investigation simulation data corresponding to the applicant exists in the credit investigation simulation database is required to be judged, and the specific judging process is shown in fig. 2, and the specific content comprises:
s201, determining applicant identification information in the applicant information.
In the method provided by the embodiment of the invention, the applicant information in the test message is determined, the applicant information is analyzed, and the applicant identification information in the applicant information is obtained, wherein the applicant identification information comprises but is not limited to information such as name, identification card number, social security number and the like of the applicant.
S202, determining user identification information of each credit investigation simulation data in the credit investigation simulation database.
In the method provided by the embodiment of the invention, the user identification information in each credit sign simulation data in the credit sign simulation database is determined, wherein the user identification information comprises, but is not limited to, information such as an identity card number, a social security number and the like of a user. User identification information exists in each credit investigation simulation data, and the credit investigation simulation data can be associated according to the user identification information.
S203, traversing the applicant identification information to each piece of user identification information, and judging whether the user identification information matched with the applicant identification information exists or not.
In the method provided by the embodiment of the invention, the applicant identification information is traversed through each piece of user identification information so as to compare the applicant identification information with each piece of user identification information, and whether the user identification information matched with the applicant identification exists in the credit investigation simulation database is judged.
S204, if user identification information matched with the applicant identification information exists, judging that credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database.
S205, if the user identification information matched with the applicant identification information does not exist, judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database.
In the method provided by the embodiment of the invention, if the user identification information consistent with the applicant identification information exists in the credit simulation database, the user identification information matched with the applicant identification information exists in the credit simulation database, and the credit simulation data corresponding to the applicant information is judged to exist in the credit simulation database. If the credit simulation database does not contain the user identification information consistent with the applicant identification information, the credit simulation database does not contain the user identification information matched with the applicant information, and the credit simulation database is judged to not contain the credit simulation data corresponding to the applicant information.
In the method provided by the embodiment of the invention, whether credit investigation simulation data corresponding to the applicant identification information exists in the credit investigation simulation database is judged, when the credit investigation simulation data corresponding to the applicant identification information exists, the credit investigation simulation data is obtained, and whether the applicant meets the loan condition is judged according to the credit investigation simulation data; and when the credit investigation simulation data corresponding to the applicant identification information does not exist, feeding back preset prompt information, and ending the online application loan test corresponding to the test message.
In the method provided by the embodiment of the invention, when credit sign simulation data corresponding to the identification information of the applicant exists in the credit sign simulation database, whether the applicant meets the loan condition is judged based on the credit sign simulation data, and the specific process is shown in fig. 3, and the specific description is as follows:
S301, analyzing the credit investigation simulation data by applying a preset evaluation algorithm to obtain credit investigation information corresponding to the applicant.
In the method provided by the embodiment of the invention, credit simulation data corresponding to the applicant identification information are determined, a preset evaluation algorithm is applied to analyze the credit simulation data to obtain credit information corresponding to the applicant, the credit information comprises but is not limited to credit evaluation of the applicant based on the credit simulation data, and the credit evaluation can be classified into excellent, good and poor; the concrete expression form of the credit evaluation can be expressed in a numerical form, for example, when the evaluation to the user is 85 points or more, the credit is excellent; the credit is good when the evaluation is in the range of 60 minutes to 85 minutes; the evaluation was less than or equal to 60 minutes, with poor credit. The credit information also comprises credit card record information of the applicant, whether the credit card record information has not been loaned or not, and the like.
S302, comparing the credit investigation information with the loan conditions to judge whether the credit investigation information accords with the loan conditions.
In the method provided by the embodiment of the invention, the credit investigation information is compared with the loan condition, and whether the credit investigation information meets the loan condition is judged; for example, the credit rating in the credit information is compared with the credit rating in the loan condition to determine whether the credit rating in the credit information meets the credit rating in the loan condition.
And S303, if the credit investigation information is judged to be in accordance with the loan condition, the applicant meets the loan condition.
S304, if the credit investigation information is judged not to meet the loan condition, the applicant does not meet the waiting condition.
In the method provided by the embodiment of the invention, when the credit investigation information meets the loan condition, the applicant is judged to meet the loan condition; and when the credit information does not meet the loan condition, judging that the applicant does not meet the loan condition.
In the method provided by the embodiment of the invention, whether the applicant meets the loan condition is judged based on the credit investigation simulation data, and when the applicant meets the loan condition, the applicant applies for a loan successfully, and the loan test corresponding to the test message is completed; and when the applicant does not meet the loan condition, the applicant fails to apply for the loan, and the loan test corresponding to the test message is completed.
It should be noted that, the method provided by the embodiment of the invention can be applied to various types of systems, for example, can be applied to the test of online loan application of web pages, the test of online loan application of mobile phone application programs and different test scenes of online loan application of other types.
For the purpose of illustration, a specific example is provided herein for illustration, the details being as follows:
Assuming that a developer performs a test for applying for loans on a mobile phone bank of a bank, when receiving a test message for applying for loans on line by the developer, analyzing the test message, wherein one content form of the test message can be as follows:
it should be noted that, the test message is assembled according to the message assembly rule of the mobile phone bank, and when the invention is applied to different systems, the message assembly rule of the assembled test message is different.
When the test message is analyzed, firstly, analyzing the loan type 'CodeType' in the test message, wherein the loan type in the test message is a personal loan; loan applicant "UserName" is wang two; it should be noted that, the test message also includes other information, such as the amount of the applied loan, the number of times of applying the applied loan, the applicant information of applying the loan, etc.; and determining corresponding loan conditions according to the loan types.
Continuing the above description, after receiving the test message, calling a preset credit simulation database, and judging whether credit simulation data corresponding to the applicant information exists in the credit simulation database, and judging according to the applicant identification information in the applicant information, for example, the applicant identification information is: the ID card number is 43070219890905122X; determining user identification information of each credit investigation simulation data in the credit investigation simulation database, and judging whether the user identification information exists in a credit investigation simulation data system or not as follows: the second part is the credit analog data with the ID card number of 43070219890905122X; if the user identification information consistent with the applicant identification information exists, judging that the credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database, and acquiring the credit investigation simulation data.
After the credit simulation data is obtained, the credit simulation data is analyzed to obtain credit information corresponding to the second applicant, wherein the credit information comprises the credit evaluation of the second applicant obtained by analysis according to the credit simulation data, and the credit evaluation of the second applicant is excellent at the moment and further comprises other information of the second applicant, such as: the credit card has no overdue and no record yet, and no record of loan is available. The loan amount of the applicant king two request loans is 5000 yuan; according to the loan type of the king II, the loan conditions which the king II needs to meet are determined as follows: credit rating is good and the loan amount is between 1000 yuan and 10000 yuan, and the credit card has no record of overdue. Comparing the credit information of the applicant king II with the loan condition, and knowing that the applicant king II meets the loan condition, the applicant king II applies for successful loan, generates loan success information, and feeds back the generated loan success information to complete the online loan test corresponding to the test message.
When the applicant king II does not meet the loan condition, the applicant king II applies for loan failure, generates loan failure information, and feeds back the generated loan failure information to complete the online loan test corresponding to the test message.
When the credit investigation simulation data corresponding to the second credit investigation of the applicant does not exist in the preset credit investigation simulation database, a prompt message is fed back to the developer, and the online loan application test of the test message is ended, wherein the prompt message is used for prompting the developer to add sample data about the second credit investigation so as to pave the credit investigation simulation data about the second credit investigation in the preset credit investigation simulation database.
In the method provided by the embodiment of the invention, when the test message is received, the applicant information and the loan type of the applicant loan in the test message are obtained; determining a loan condition according to the loan type; judging whether credit investigation simulation data corresponding to the applicant information exists in a preset credit investigation simulation database, and if so, acquiring the credit investigation simulation data; judging whether the applicant meets the loan condition or not based on the credit investigation simulation data; when the loan condition is met, the applicant applies for the loan successfully; when the loan condition is not satisfied, the applicant fails to apply for the loan. When the invention is applied to apply for loan test, an external pedestrian credit investigation system is not needed, the period of applying for loan test is shortened, the invention can be applied to various test scenes, the universality is strong, the testing process is simpler and more convenient, and the manpower, material resources and financial resources input for applying for loan test are reduced.
The invention also provides a testing device for applying loan online, which is used for supporting the implementation of the testing method of applying loan online in practice, and the testing device can be arranged in various computer terminals or various mobile devices, and the structure schematic diagram of the testing device is shown in fig. 4, and the testing device specifically comprises:
a first determining unit 401, configured to determine, when receiving a test message for applying a loan online, applicant information in the test message and a loan type of the applicant applying the loan;
The calling unit 402 is configured to call a preset credit simulation database, and determine whether credit simulation data corresponding to the applicant information exists in the credit simulation database, where a plurality of credit simulation data exist in the credit simulation database, and the credit simulation data are data generated according to a credit template provided by a pedestrian credit system;
An obtaining unit 403, configured to obtain credit investigation simulation data corresponding to the applicant information if it is determined that the credit investigation simulation data exists in the credit investigation simulation database;
A second determining unit 404 for determining a loan condition corresponding to the loan type, and judging whether the applicant satisfies the loan condition based on the credit standing simulation data;
A first judging unit 405, configured to, when judging that the applicant meets the loan condition, judge that the applicant applies for a loan successfully, generate loan success information, and feed back the loan success information;
And a second judging unit 405, configured to, when judging that the applicant does not meet the loan condition, judge that the applicant applies for a loan failure, generate loan failure information, and feed back the loan failure information.
In the device provided by the embodiment of the invention, when the device provided by the invention is applied to receiving a test message, the applicant information and the loan type of the applicant loan in the test message are obtained; determining a loan condition according to the loan type; judging whether credit investigation simulation data corresponding to the applicant information exists in a preset credit investigation simulation database, and if so, acquiring the credit investigation simulation data; judging whether the applicant meets the loan condition or not based on the credit investigation simulation data; when the loan condition is met, the applicant applies for the loan successfully; when the loan condition is not satisfied, the applicant fails to apply for the loan. When the invention is applied to apply for loan test, an external pedestrian credit investigation system is not needed, the period of applying for loan test is shortened, the invention can be applied to various test scenes, the universality is strong, the testing process is simpler and more convenient, and the manpower, material resources and financial resources input for applying for loan test are reduced.
In the device provided by the embodiment of the invention, the device can be further set as follows:
The second determining unit is used for determining sample data of each user and credit module provided by the pedestrian credit system;
the third determining unit is used for sequentially acquiring the user sample data and determining the currently acquired user sample data as target user sample data;
and the importing unit is used for importing the target user sample data into the credit investigation template according to a preset importing rule and generating credit investigation simulation data corresponding to the target user sample data.
In the apparatus provided by the embodiment of the present invention, the calling unit 402 may be configured to:
a first determining subunit, configured to determine applicant identification information in the applicant information;
the second determining subunit is used for determining the user identification information of each credit investigation simulation data in the credit investigation simulation database;
a traversing subunit, configured to traverse the applicant identification information through each piece of user identification information, and determine whether there is the user identification information that matches with the applicant identification information;
a first judging subunit, configured to judge that, if user identification information matched with the applicant identification information exists, there exists credit investigation simulation data corresponding to the applicant information in the credit investigation simulation database;
and the second judging subunit is used for judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database if the user identification information matched with the applicant identification information does not exist.
In the device provided by the embodiment of the invention, the device can be further set as follows:
And the feedback unit is used for feeding back preset prompt information and ending the online application loan test corresponding to the test message if judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database.
In the apparatus provided in the embodiment of the present invention, the second determining unit 404 may be configured to:
the analysis subunit is used for analyzing the credit investigation simulation data by applying a preset evaluation algorithm to obtain credit investigation information corresponding to the applicant;
the comparison subunit is used for comparing the credit investigation information with the loan conditions so as to judge whether the credit investigation information accords with the loan conditions;
A third judging subunit, configured to, if it is judged that the credit information meets the loan condition, enable the applicant to meet the loan condition;
And the fourth judging subunit is used for judging that the credit information does not meet the loan condition, and the applicant does not meet the waiting condition.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a system or system embodiment, since it is substantially similar to a method embodiment, the description is relatively simple, with reference to the description of the method embodiment being made in part. The systems and system embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (6)
1. A method of testing an online loan application, comprising:
when a test message of applying for loans on line is received, determining applicant information in the test message and the loan type of applying for the loans by the applicant;
Calling a preset credit simulation database, judging whether credit simulation data corresponding to the applicant information exists in the credit simulation database, wherein a plurality of credit simulation data are stored in the credit simulation database, the credit simulation data are data generated according to a credit template provided by a pedestrian credit system, and each credit simulation data in the credit simulation database are only used for testing loan application and are not used for judging data of actually carrying out loan application; the construction process of the credit investigation simulation database comprises the following steps: generating credit simulation data consistent with the form and structure of credit data in the pedestrian credit system by using a credit template provided by the pedestrian credit system, and constructing a credit simulation database according to the generated credit simulation data; the credit simulation data generation process comprises the following steps: determining sample data of each user and a credit module provided by the pedestrian credit system; sequentially acquiring each piece of user sample data, and determining the currently acquired user sample data as target user sample data; importing the target user sample data into the credit investigation template according to a preset importing rule, and generating credit investigation simulation data corresponding to the target user sample data;
if the credit investigation simulation database is judged to contain credit investigation simulation data corresponding to the applicant information, acquiring the credit investigation simulation data;
determining a loan condition corresponding to the loan type and determining whether the applicant satisfies the loan condition based on the credit standing simulation data, comprising: analyzing the credit investigation simulation data by applying a preset evaluation algorithm to obtain credit investigation information corresponding to the applicant; comparing the credit investigation information with the loan condition to judge whether the credit investigation information accords with the loan condition; if the credit investigation information is judged to be in accordance with the loan condition, the applicant meets the loan condition; if the credit investigation information is judged to be not in accordance with the loan condition, the applicant does not meet the loan condition;
When judging that the applicant meets the loan condition, judging that the applicant applies for loan successfully, generating loan success information, and feeding back the loan success information to complete the test corresponding to the test message;
And when judging that the applicant does not meet the loan condition, judging that the applicant fails to apply for the loan, generating loan failure information, and feeding back the information of the loan condition which the applicant does not meet to finish the test corresponding to the test message.
2. The method of claim 1, wherein said determining whether credit simulation data corresponding to the applicant information exists in the credit simulation database comprises:
Determining applicant identification information in the applicant information;
Determining user identification information of each credit investigation simulation data in the credit investigation simulation database;
traversing the applicant identification information to each piece of user identification information, and judging whether the user identification information matched with the applicant identification information exists or not;
If user identification information matched with the applicant identification information exists, judging that credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database;
And if the user identification information matched with the applicant identification information does not exist, judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database.
3. The method as recited in claim 1, further comprising:
if the credit investigation simulation database is judged to not contain the credit investigation simulation data corresponding to the applicant information, the preset prompt information is fed back, and the online application loan test corresponding to the test message is ended.
4. A test device for applying loans online, comprising:
The first determining unit is used for determining applicant information in a test message and the type of loan applied by the applicant when the test message of applying for the loan on line is received;
The system comprises a calling unit, a credit simulation database and a credit analysis unit, wherein the calling unit is used for calling a preset credit simulation database and judging whether credit simulation data corresponding to the applicant information exists in the credit simulation database, a plurality of credit simulation data exist in the credit simulation database, the credit simulation data are data generated according to a credit template provided by a pedestrian credit system, and each credit simulation data in the credit simulation database are only used for testing loan application and are not used for judging data for actually carrying out loan application; the construction process of the credit investigation simulation database comprises the following steps: generating credit simulation data consistent with the form and structure of credit data in the pedestrian credit system by using a credit template provided by the pedestrian credit system, and constructing a credit simulation database according to the generated credit simulation data;
The acquisition unit is used for acquiring the credit investigation simulation data if judging that the credit investigation simulation data corresponding to the applicant information exists in the credit investigation simulation database;
A second determining unit configured to determine a loan condition corresponding to the loan type, and determine whether the applicant satisfies the loan condition based on the credit standing simulation data;
the second determination unit includes: the analysis subunit, the comparison subunit, the third judging subunit and the fourth judging subunit;
the analysis subunit is used for analyzing the credit investigation simulation data by applying a preset evaluation algorithm to obtain credit investigation information corresponding to the applicant;
The comparison subunit is used for comparing the credit investigation information with the loan condition to judge whether the credit investigation information accords with the loan condition;
the third judging subunit is configured to, if it is judged that the credit information meets the loan condition, enable the applicant to meet the loan condition;
the fourth judging subunit is configured to, if it is judged that the credit information does not meet the loan condition, fail to meet the loan condition;
The first judging unit is used for judging that the applicant applies for loan success when judging that the applicant meets the loan condition, generating loan success information and feeding back the loan success information so as to finish the test corresponding to the test message;
The second judging unit is used for judging that the applicant fails to apply for the loan and generating loan failure information when judging that the applicant does not meet the loan condition, and feeding back the information of the loan condition which the applicant does not meet so as to finish the test corresponding to the test message;
The second determining unit is used for determining sample data of each user and credit module provided by the pedestrian credit system;
the third determining unit is used for sequentially acquiring the user sample data and determining the currently acquired user sample data as target user sample data;
and the importing unit is used for importing the target user sample data into the credit investigation template according to a preset importing rule and generating credit investigation simulation data corresponding to the target user sample data.
5. The apparatus of claim 4, wherein the calling unit comprises:
a first determining subunit, configured to determine applicant identification information in the applicant information;
the second determining subunit is used for determining the user identification information of each credit investigation simulation data in the credit investigation simulation database;
a traversing subunit, configured to traverse the applicant identification information through each piece of user identification information, and determine whether there is the user identification information that matches with the applicant identification information;
a first judging subunit, configured to judge that, if user identification information matched with the applicant identification information exists, there exists credit investigation simulation data corresponding to the applicant information in the credit investigation simulation database;
and the second judging subunit is used for judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database if the user identification information matched with the applicant identification information does not exist.
6. The apparatus as recited in claim 4, further comprising:
And the feedback unit is used for feeding back preset prompt information and ending the online application loan test corresponding to the test message if judging that the credit investigation simulation data corresponding to the applicant information does not exist in the credit investigation simulation database.
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| CN109544321A (en) * | 2018-10-26 | 2019-03-29 | 平安科技（深圳）有限公司 | Intelligence loan method, apparatus, computer equipment and storage medium |
| CN110033365A (en) * | 2019-04-11 | 2019-07-19 | 湖北风口网络科技有限公司 | A kind of loan on personal security approval system and method |
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| US20150278941A1 (en) * | 2014-03-26 | 2015-10-01 | Wonga Technology Limited | Loan automation system |
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| CN109409657A (en) * | 2018-09-18 | 2019-03-01 | 深圳壹账通智能科技有限公司 | Loan application processing method, device, computer equipment and storage medium |
| CN109544321A (en) * | 2018-10-26 | 2019-03-29 | 平安科技（深圳）有限公司 | Intelligence loan method, apparatus, computer equipment and storage medium |
| CN110033365A (en) * | 2019-04-11 | 2019-07-19 | 湖北风口网络科技有限公司 | A kind of loan on personal security approval system and method |
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