CN111027935A

CN111027935A - Electronic visa application method and device based on credit

Info

Publication number: CN111027935A
Application number: CN201911259804.2A
Authority: CN
Inventors: 陈科杰
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-12-10
Filing date: 2019-12-10
Publication date: 2020-04-17

Abstract

The embodiment of the specification provides a credit-based electronic visa application method and a device, wherein the credit-based electronic visa application method comprises the following steps: receiving an electronic visa application instruction submitted by a user through an electronic visa application interface aiming at a visa application place; sending a credit inquiry request of the user to a credit investigation mechanism according to the identity identification information of the user carried in the application instruction and receiving an inquiry result; under the condition that the user meets the electronic visa application condition of the visa application place according to the credit data of the user in at least one credit dimension carried in the query result, generating an electronic visa according to visa data uploaded by the user; and issuing the electronic visa to the user through the electronic visa application interface.

Description

Electronic visa application method and device based on credit

Technical Field

The embodiment of the specification relates to the technical field of internet, in particular to an electronic visa application method based on credit. One or more embodiments of the present specification also relate to another method for applying for a credit-based electronic visa, two apparatus for applying for a credit-based electronic visa, two computing devices, and two computer-readable storage media.

Background

With the upgrade of domestic consumer markets, the heat tide of outbound travel is emerged in recent years. And a visa is a document issued by a national entry and exit authority (e.g., immigration office or its embassy) to a foreign citizen indicating approval for entry. Therefore, the visa is an important node for determining whether the user can go out smoothly or not finally. Different countries have different processing modes for visas, for example, some countries can avoid visas, some countries issue common visas, and some countries issue ground visas.

In view of the present, if a user needs to transact a visa, the applicant needs to post a passport and other related materials to a visa application place and apply for the visa in an entry and exit management organization set up in a country to which the user belongs, or the applicant carries the related materials to the visa application place and apply for the visa in an entry and exit management organization set up in the country to which the user belongs.

Disclosure of Invention

In view of the above, the embodiments of the present specification provide a credit-based electronic visa application method. One or more embodiments of the present specification also relate to another method for applying for a credit-based electronic visa, two apparatus for applying for a credit-based electronic visa, two computing devices, and two computer-readable storage media. In order to solve the technical defects existing in the prior art.

According to a first aspect of embodiments herein, there is provided a credit-based electronic visa application method, comprising:

receiving an electronic visa application instruction submitted by a user through an electronic visa application interface aiming at a visa application place;

sending a credit inquiry request of the user to a credit investigation mechanism according to the identity identification information of the user carried in the application instruction and receiving an inquiry result;

under the condition that the user meets the electronic visa application condition of the visa application place according to the credit data of the user in at least one credit dimension carried in the query result, generating an electronic visa according to visa data uploaded by the user;

and issuing the electronic visa to the user through the electronic visa application interface.

Optionally, after the step of issuing the electronic visa to the user through the electronic visa application interface is executed, the method further includes:

auditing the visa data and generating a corresponding visa auditing result;

and under the condition that the visa auditing result is that auditing is not passed, sending the auditing result to the credit investigation institution to perform credit punishment processing on the user.

auditing the visa data and generating a corresponding auditing result;

detecting the visa state of the electronic visa under the condition that the audit result is that the audit is not passed;

and if the visa state is valid, updating the visa state to be invalid.

Optionally, the generating an electronic visa according to the visa data uploaded by the user includes:

acquiring an initial visa information acquisition page of the visa application place;

matching each information item to be collected in the initial visa information collection page with credit data of the user in at least one credit dimension;

deleting successfully matched information items to be acquired in the initial visa information acquisition page and integrating the information items to be acquired which are not deleted so as to generate the visa information acquisition page;

and issuing the visa information acquisition page to the user, acquiring visa data uploaded by the user based on the visa information acquisition page, and generating the electronic visa according to the visa data.

Optionally, after the step of receiving the electronic visa application instruction submitted by the user through the electronic visa application interface to the visa application place is executed, before the step of sending the credit inquiry request of the user to the credit investigation institution and receiving the inquiry result is executed according to the identity information of the user carried in the application instruction, the method further includes:

sending an opening request for opening the authority of the credit investigation institution for performing credit inquiry on the user to the user, wherein the opening request carries identification information of the visa service party and the credit investigation institution;

receiving an authority opening result returned by the user aiming at the opening request;

and under the condition that the permission opening result is successful, executing the step of sending a credit inquiry request of the user to a credit investigation institution according to the identity identification information of the user carried in the application instruction and receiving an inquiry result.

receiving a visa data modification instruction sent by the user through the electronic visa application interface;

inquiring the auditing state of the visa data uploaded by the user according to the identity identification information of the user carried in the modification instruction;

and if the audit state is not audit, displaying a visa data modification page to the user and acquiring visa data input by the user based on the visa data modification page.

receiving an electronic visa application canceling instruction sent by the user through the electronic visa application interface;

inquiring a pass record of the user in the visa application place within the valid period of the electronic visa according to the identity information of the user carried in the revocation instruction;

if the pass record is empty, updating the visa state of the electronic visa to be invalid and sending prompt information of successful cancellation of electronic visa application to the user;

and if the pass record is not empty, sending prompt information of failure in applying cancellation of the electronic visa to the user.

receiving a pass request sent by the user based on an electronic visa verification port;

scanning the electronic visa shown by the user based on the pass request and extracting associated electronic visa data in the electronic visa;

querying historical electronic visa data of the user, which is pre-stored in a database, according to the identity identification information of the user, which is carried in the pass request, and verifying the associated electronic visa data according to the historical electronic visa data;

and sending a prompt message for allowing the passage to the user when the verification is passed.

According to a second aspect of embodiments herein, there is provided a credit-based electronic visa application apparatus, comprising:

the instruction receiving module is configured to receive an electronic visa application instruction submitted by a user aiming at a visa application place through an electronic visa application interface;

the credit inquiry module is configured to send a credit inquiry request of the user to a credit investigation institution according to the identity information of the user carried in the application instruction and receive an inquiry result;

the electronic visa generating module is configured to generate an electronic visa according to visa data uploaded by the user under the condition that the user meets the electronic visa application condition of the visa application place according to credit data of the user in at least one credit dimension, wherein the credit data is carried in the query result;

and the electronic visa sending module is configured to issue the electronic visa to the user through the electronic visa application interface.

According to a third aspect of embodiments herein, there is provided another credit-based electronic visa application method, comprising:

receiving a credit inquiry request sent by a visa service party, wherein the credit inquiry request is sent by the visa service party according to identity identification information carried in an electronic visa application instruction sent by a user through an electronic visa application interface aiming at a visa application place;

acquiring credit data of the user in at least one credit dimension according to the identity identification information;

evaluating the credit data of the at least one credit dimension respectively to generate an evaluation result corresponding to the credit data of the at least one credit dimension;

and sending the evaluation result as a query result to the visa service party.

Optionally, after the step of sending the evaluation result as a query result to the visa service side is executed, the method further includes:

receiving and storing an auditing result generated by auditing the visa data of the user and sent by the visa server;

determining a credit penalty event meeting an execution condition according to the audit result, performing credit point penalty processing on the user according to the identity information of the user carried in the audit result and the execution mode of the credit penalty event, and sending and displaying a credit penalty processing result to the user; and/or

And under the condition that the user is detected to send a credit service admission request, intercepting the credit service admission request.

According to a fourth aspect of embodiments herein, there is provided another credit-based electronic visa application apparatus, comprising:

the system comprises a credit inquiry request receiving module, a visa service part and a visa application part, wherein the credit inquiry request receiving module is configured to receive a credit inquiry request sent by the visa service part, and the credit inquiry request is sent by the visa service part according to identity identification information carried in an electronic visa application instruction sent by a user through an electronic visa application interface aiming at a visa application place;

the credit data acquisition module is configured to acquire credit data of the user in at least one credit dimension according to the identity information;

the data evaluation module is configured to evaluate the credit data of the at least one credit dimension respectively to generate an evaluation result corresponding to the credit data of the at least one credit dimension;

and the query result sending module is configured to send the evaluation result as a query result to the visa service party.

According to a fifth aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

According to a sixth aspect of embodiments herein, there is provided another computing device, comprising:

a memory and a processor;

and sending the evaluation result as a query result to the visa service party.

According to a seventh aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, perform the steps of the method for credit-based electronic visa application.

According to an eighth aspect of embodiments herein, there is provided another computer-readable storage medium storing computer-executable instructions that, when executed by a processor, perform the steps of the another credit-based electronic visa application method.

One embodiment of the specification realizes that the electronic visa can be issued for the user under the condition that the electronic visa application instruction of the user is received and the user meets the electronic visa application condition is determined according to the evaluation result generated by evaluating the credit data of the user in at least one credit dimension by the credit investigation institution, the credit investigation institution is used for providing credit guarantee for the user, the electronic visa can be obtained under the condition that the credit evaluation result of the user meets the preset condition, the time for waiting for material verification is saved for the user, and the electronic visa handling process is quicker and more efficient.

Drawings

FIG. 1 is a process flow diagram of a method for a credit-based electronic visa application provided in one embodiment of the present description;

FIG. 2 is a process flow diagram of another method for credit-based electronic visa application provided by one embodiment of the present specification;

FIG. 3 is a process interaction diagram of a method for credit-based electronic visa application provided in one embodiment of the present specification;

FIG. 4 is a schematic diagram of an apparatus for credit-based electronic visa application provided in one embodiment of the present specification;

FIG. 5 is a schematic diagram of another credit-based electronic visa application apparatus provided in one embodiment of the present specification;

FIG. 6 is a block diagram of a computing device, provided in one embodiment of the present description;

FIG. 7 is a block diagram of another computing device provided in one embodiment of the present description.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

First, the noun terms to which one or more embodiments of the present specification relate are explained.

Electronic visa: the user can directly submit application data on line through an official or a cooperative mechanism, and can obtain the visa electronic certificate after the application data pass, and the whole application process does not need to transact procedures on line.

Entry clearance: the user holds the valid certificate and the visa, submits and checks the relevant data after arriving at the entry port of the appointed country, and then passes through the entry. In the embodiment of the present specification, the entry clearance refers to that entry is accomplished by a biological core body by using a face-scanning or fingerprint machine.

Credit guarantee: refers to the act of engaging in or engaging in certain activities using the credit assessment results of the individual at the credit investigation institution as a guarantee. In the embodiments of the present specification, a credit guarantee refers to a reduction in the material auditing steps required by a user to apply for a visa, using credit evaluation.

Credit punishment: when a user participates in the behavior of credit guarantee, and the phenomenon of illegal credit agreement occurs, the credit mechanism carries out punishment on the credit of the user after confirmation, and then the credit-based electronic visa application flow forms a closed loop. In the embodiment of the specification, the user is particularly punished by the credit investigation institution when the user falsifies the uploaded visa data in the process of applying for the electronic visa and the visa data of the user is not approved by the visa service side.

In the present specification, a credit-based electronic visa application method is provided, and the present specification also relates to another credit-based electronic visa application method, two credit-based electronic visa application apparatuses, two computing devices, and two computer-readable storage media, which are described in detail in the following embodiments one by one.

FIG. 1 shows a flowchart of a method for applying for a credit-based electronic visa according to one embodiment of the present disclosure, including steps 102-108.

And 102, receiving an electronic visa application instruction which is submitted by a user aiming at a visa application place through an electronic visa application interface.

A visa is a document issued by a national entry and exit authority (e.g., the immigration office or its embassy) to a foreign citizen indicating approval for entry.

At present, if a user needs to transact a visa, materials such as a designated certificate photo, a personal identification number and a copy of the original document, an identity card, a passport, a visa application form filled in English and signed by an applicant, an on-duty certificate or a wealth status certificate and the like need to be prepared in advance, and the materials are sent to a departure and entry management institution established in a country to which the user belongs to the visa application place for visa application, or the applicant carries the materials to the departure and entry management institution established in the country to which the user belongs for visa application, so that the time required by the two visa transaction modes is long, and the efficiency is low.

The electronic visa application method based on credit provided by the embodiment of the specification is applied to visa service parties, and the visa service parties are the entry and exit management mechanisms set up for visa application places of users, including immigration offices, visa agency mechanisms or leaderships and the like.

After a cooperation agreement is achieved between a credit investigation institution and a visa service party (namely, under the condition that the credit data evaluation result of a user meets the condition, the visa service party issues visa-first and then audits materials for the user), firstly, the credit investigation institution evaluates the credit data of the user and provides credit guarantee for the evaluation result, after the visa service party receives the electronic visa application of the user, the credit data evaluation result of the user is obtained from the credit investigation institution, and under the condition that the user meets the electronic visa application condition according to the credit data evaluation result of the user, the electronic visa can be issued for the user, and then the visa data uploaded by the user is audited.

Specifically, the electronic visa application interface comprises an application entrance of an electronic visa application website opened by a visa service party for a user, an application program entrance of a terminal for handling electronic visa application business or application interfaces in other forms;

taking the visa application place as country C as an example, the user U1 may submit an electronic visa application instruction through an electronic visa application entry in an electronic visa official network of country C, and submit the identification information of the applicant, such as name and identification number, etc., while submitting the electronic visa application instruction; if the user U1 applies for the electronic visa for himself, the applicant is the user U1, and if the user U1 applies for the electronic visa for others (the user U2), the applicant is the user U2.

After receiving an electronic visa application instruction submitted by a user, a visa service party needs to acquire a credit data evaluation result of the user from a credit proving institution and judges whether the user meets an electronic visa application condition of a visa application place according to the credit data evaluation result, in practical application, the visa service party needs to obtain authorization of the user before acquiring the credit data evaluation result of the user from the credit proving institution (the user opens the authority of performing credit inquiry on the user at the credit proving institution for the visa service party), and a specific authorization process can be realized through the following steps:

Specifically, after receiving an electronic visa application instruction submitted by a user U1 through an electronic visa application entrance in an electronic visa official network, a visa service party sends an authorization request to the user, wherein the specific authorization request sending mode can be that an information prompt window pops up on an electronic visa application page of a user terminal (a computer, a mobile phone and a tablet), the information prompt content is that the visa service party requests to carry out credit inquiry on an applicant at a credit investigation institution and whether the credit is allowed, and two clickable controls are set, namely yes and no respectively; and detecting the control clicking operation of the user U1 on the information prompt window, if the user clicks the control 'yes', the authorization is successful, namely the permission opening result is successful, and the visa service party can perform credit inquiry on the applicant at a credit investigation institution.

The credit inquiry is to inquire a credit data evaluation result generated by evaluating the credit data of the applicant by a credit investigation institution, and after the visa service party acquires the inquiry result, whether the applicant meets visa application conditions of a visa application place can be judged according to the inquiry result.

And 104, sending a credit inquiry request of the user to a credit investigation institution according to the identity information of the user carried in the application instruction and receiving an inquiry result.

Specifically, after receiving an electronic visa application instruction submitted by a user to a visa application place through an electronic visa application interface, a visa service party needs to perform credit inquiry on an applicant in a credit investigation institution, and judges whether the applicant applies an electronic visa by taking a user U1 as an example according to an inquiry result, after a user U1 opens the authority of the credit investigation institution to perform credit inquiry on the user U1 for the visa service party, the visa service party sends a credit inquiry request to the credit investigation institution according to the identity information of the user U1 carried in the electronic visa application instruction submitted by the user U1 so as to inquire a credit data evaluation result generated by the credit investigation institution to evaluate the credit data of the user U1.

In practical applications, the visa service side may query the credit investigation institution to evaluate the credit data of the user U1 in at least one credit dimension and generate a credit data evaluation result corresponding to the credit data of the at least one credit dimension, where the at least one credit dimension includes: the method comprises the following steps of personal basic attribute information dimension, personal credit sale, payment information dimension, public record information dimension and personal credit point dimension; the credit data contained in the personal basic attribute information dimension is data of name, age, occupation, personal family condition and the like of the user U1; the credit data contained in the personal credit information dimension is data formed by credit relationship between the user U1 and institutions such as financial institutions or housing public accumulation fund management centers; credit data contained in personal credit and payment information dimensions are credit and payment data formed by credit and payment relations between a user U1 and commercial institutions and public service institutions; credit data contained in the public record information dimension are data which are formed in the process of enabling the authority by the administrative authority, the administrative affair execution mechanism and the judicial authority and are related to the credit of the user U1; credit data for the personal credit point dimension, i.e., the credit point data associated with the user U1 in the credit investigation institution's registered account number.

The credit investigation institution evaluates the credit data of the user U1 in at least one credit dimension, generates a credit data evaluation result corresponding to the credit data of the at least one credit dimension, returns the credit data evaluation result of the user U1 as an inquiry result to the visa service party when receiving a credit data inquiry request of the user U1 sent by the visa service party, and judges whether the user U1 meets visa application conditions according to the inquiry result after the visa service party receives the inquiry result.

If 5 dimensions, such as a personal basic attribute information dimension, a personal credit sale information dimension, a payment information dimension, a public record information dimension, a personal credit point dimension and the like, are respectively numbered as W1, W2, W3, W4 and W5, it is assumed that the query results obtained by the visa service party are credit data evaluation results corresponding to 5 dimensions, such as W1, W2, W3, W4 and W5, and the like, are respectively: if the personal information is correct, no credit data, no credit cancellation data, no public record data and the personal credit integral is X points, the visa service side can determine whether the user U1 meets the visa application condition according to the credit data evaluation result of the 5 dimensions.

In the embodiment of the present specification, only the credit data evaluation results corresponding to the above 5 dimensions are taken as an example for explanation, in practical applications, the specific processing procedures of other information dimensions except the above 5 dimensions are similar to those of the above 5 dimensions, and are not described herein again, and the credit data evaluation results corresponding to each dimension are generated by the credit investigation institution according to actual needs, which is not limited herein.

And 106, under the condition that the user meets the electronic visa application condition of the visa application place according to the credit data of the user in at least one credit dimension carried in the query result, generating the electronic visa according to the visa data uploaded by the user.

Specifically, after the step sends the credit inquiry request of the user to the credit investigation institution according to the identity information of the user carried in the application instruction and receives the inquiry result, the visa service side needs to judge whether the applicant meets the visa application condition of the visa application place according to the inquiry result.

Still, the credit data evaluation results corresponding to 5 dimensions, such as the query results obtained by the visa service party are W1, W2, W3, W4 and W5, are respectively: if the personal information is correct, no credit data, no credit cancellation data, no public record data and the personal credit integral is X points, the visa service side can determine whether the user U1 meets the visa application condition according to the credit data evaluation result of the 5 dimensions.

After obtaining the credit data evaluation results of 5 dimensions, the visa service side judges whether the user U1 meets the visa application condition according to the credit data evaluation results corresponding to the dimensions, that is, obtains the preset conditions that the credit data evaluation results of the 5 dimensions should meet in the database, and compares the credit data evaluation results of the 5 dimensions with the preset conditions corresponding to the credit data evaluation results, wherein in practical application, the preset conditions that the credit data evaluation results of the dimensions should meet are set by the visa service organization according to practical needs, and no limitation is made herein.

If the credit data evaluation results of all dimensions meet the preset conditions, determining that the user U1 meets the visa application conditions; if at least one credit dimension is not satisfied, the user U1 can be determined not to satisfy the visa application condition, and prompt information of visa application failure is sent to the user U1.

In practical application, the credit investigation institution may evaluate the credit data evaluation result corresponding to the user U1 in at least one credit dimension again to generate a final credit evaluation result, where the credit evaluation result may be the credit rating or credit score of the user U1; and after receiving the credit evaluation result, the visa service party judges whether the user U1 meets visa application conditions according to the credit rating or credit score of the user U1. Taking the credit evaluation result as the credit rating as an example, if the credit rating of the user U1 is greater than or equal to a preset rating threshold, it may be determined that the user U1 satisfies the visa application condition; if the credit rating of user U1 is less than the preset rating threshold, it may be determined that user U1 does not satisfy the visa application condition.

Under the condition that it is determined that the user U1 meets the visa application condition, the visa information collection page is displayed to the user U1, visa data uploaded by the user U1 based on the visa information collection page is acquired, and an electronic visa is generated according to the visa data.

In practical application, when it is determined that the user U1 satisfies the visa application condition, the data carried in the query result obtained by performing credit query on the user U1 may be matched with the information item to be acquired in the initial information acquisition page of the visa application place, and the successfully matched information item to be acquired may be deleted from the initial information acquisition page to generate the visa information acquisition page, which may specifically be implemented by the following steps:

Specifically, assuming that the information items to be collected included in the initial information collection page include a name item, a passport number item, and a mobile phone number item, and the credit data of the personal basic attribute information dimension carried in the query result obtained by performing credit query on the user U1 includes the name of the user U1, the name item in the initial information collection page may be deleted to generate the information collection page, and the information collection page only includes two information items to be collected, namely, the passport number item and the mobile phone number item;

issuing the generated visa information acquisition page to a user U1, acquiring visa data uploaded by the visa information acquisition page by the user U1, and generating the electronic visa according to the visa data and credit data of the user U1 carried in a query result, wherein the information in the electronic visa comprises: passport number, electronic visa expiration date, and the name of user U1.

And step 108, issuing the electronic visa to the user through the electronic visa application interface.

Specifically, the visa service side receives a query result of a user U1 returned by a credit investigation institution, and generates an electronic visa according to visa data uploaded by the user U1 and issues the electronic visa to the user U1 under the condition that the user U1 meets the electronic visa application condition of a visa application place according to credit data of the user U1 in at least one credit dimension carried in the query result.

In addition, if the user U1 submits the electronic visa application instruction through the electronic visa application entry in the electronic visa official network of the visa service side, the visa service side issues the electronic visa to the user U1 through the electronic visa issue page in the electronic visa application entry, and the visa service side can issue the electronic visa to the user U1 in the form of the graphic identification code.

In the method for applying an electronic visa based on credit provided in the embodiment of the present specification, after a cooperation agreement is achieved between a credit investigation institution and a visa service party (i.e. when a credit data evaluation result of a user satisfies a condition, a visa service party issues visa first and then verifies materials for the user), when the visa service party receives an electronic visa application instruction of the user and determines that the user satisfies the visa application condition according to the credit data evaluation result of the user in the credit investigation institution, the electronic visa is issued for the user first and then the visa data uploaded by the user is verified, which can be specifically realized through the following steps:

auditing the visa data and generating a corresponding visa auditing result;

Specifically, the visa service side can verify authenticity and integrity of visa data of the user, and if the visa data of the user is not authentic or incomplete, a verification result generated by verifying the visa data by the visa service side is that verification is not passed.

Because cooperation agreement is reached between credit investigation institution and the visa service side, credit investigation institution evaluates user's credit data and provides credit guarantee to the assessment result, consequently under the condition that the audit result is that the audit is not passed, the visa service side need send the audit result to credit investigation institution, carries out credit punishment to the user by credit investigation institution, and the punishment mode includes: 1) carrying out credit point punishment processing on the user, and sending and displaying a credit punishment processing result to the user; 2) under the condition that the user is detected to send a credit service admission request, intercepting the credit service admission request; the credit investigation mechanism can select at least one punishment mode to carry out credit punishment on the user.

The above embodiment is a processing method for punishing a user when an audit result generated by auditing the visa data of the user by a visa service side is that the audit is not passed, and another embodiment of the present specification provides another processing method for punishing a user, which can be specifically realized by the following steps:

auditing the visa data and generating a corresponding auditing result;

and if the visa state is valid, updating the visa state to be invalid.

Specifically, the specific implementation process of the credit-based electronic visa application method provided in the embodiment of the present specification is to issue an electronic visa for a user first, then to audit visa data of the user, and before the visa data of the user is audited, a visa service party has issued the electronic visa for the user, so that, when an audit result generated by auditing the visa data of the user is that the audit is not passed, the visa state of the electronic visa obtained by the user needs to be detected first, and if the visa state of the electronic visa of the user is valid, the visa state needs to be updated, that is, the visa state is updated to be invalid; and if the visa state of the electronic visa of the user is invalid, the visa state is not updated.

In practical application, the visa state can be judged according to the valid period of the electronic visa of the user, for example, when the visa service side receives an electronic visa application instruction of a user U1 and determines that the user U1 meets visa application conditions according to an inquiry result obtained by credit inquiry of the user U1 in a credit investigation institution, the electronic visa is issued to the user U1, and the issued electronic visa is marked to have a valid period from xx month xx date to xx month xx date, when the visa state of the electronic visa is detected, only the current time needs to be detected whether the current time is within the valid period of the electronic visa, and if so, the visa state is validated; if not, the visa state is invalid.

In the method for applying electronic visa based on credit provided by the embodiment of the specification, when the result of auditing the visa data of the user by the visa service party is that the auditing is not passed, credit punishment needs to be performed on the user, and the user can be allowed to perform visa data modification by the visa service party because of the credit punishment relationship, so that the credit punishment can be performed on the user because the user unintentionally inputs error information or missing information, and the specific modification process can be realized by the following steps:

Specifically, the user U1 may modify the uploaded visa data, but the precondition for modification is that the visa service party does not complete the verification of the visa data of the user U1, in practical application, after receiving the visa data modification instruction of the user U1, the visa service party queries the verification state of the visa data of the user U1 according to the identification information of the user U1 carried in the modification instruction, if the verification state is not verified, a visa data modification page may be displayed for the user, the user may modify or delete the uploaded visa data, may also supplement and upload the data corresponding to the unfilled information item to be acquired, and acquire the visa data of the visa data modification page, and may verify the visa data of the visa data modification page; and if the audit state is the audited state, sending a prompt message of the visa data modification failure to the user.

In addition, after receiving a visa data modification instruction of a user U1, a visa service side inquires about the auditing state of visa data of the user U1 according to the identity information of the user U1 carried in the modification instruction, if the auditing state is not audited, the history modification times of the visa data of the user are obtained, and if the history modification times exceed a preset threshold value, prompt information of visa data modification failure is sent to the user; if the historical modification times do not exceed the preset threshold, a visa data modification page can be displayed for the user,

in the method for applying electronic visa based on credit provided in the embodiment of the present specification, when an audit result generated by auditing visa data of a user by a visa service side is that the audit is not passed, credit punishment needs to be performed on the user, and other credit service admittance can be realized due to the relationship of the credit punishment with the user, so that to avoid performing credit punishment on the user due to unintentionally inputting error information or missing information, the visa service side can allow the user to perform electronic visa application revocation, and a specific revocation process can be realized through the following steps:

Specifically, the user can revoke the electronic visa application instruction, but the prerequisite for realizing the revocation is that the visa service party issues the electronic visa for the user, but the user does not use the electronic visa entry and exit visa application place, that is, the user does not use the electronic visa entry and exit within the validity period of the electronic visa.

In practical application, a visa service party can judge whether a user uses the electronic visa or not by inquiring the pass record of the user at a visa application place within the validity period of the electronic visa; if the pass record of the user at the visa application place is not inquired in the time period from the effective starting time of the electronic visa to the inquiry time of the pass record, the electronic visa application of the user can be cancelled, namely, the visa state of the electronic visa is updated to be invalid, and prompt information of success cancellation of the electronic visa application is sent to the user; if the pass record of the user at the visa application place is inquired in the time period from the effective starting time of the electronic visa to the inquiry time of the pass record, the electronic visa application of the user cannot be cancelled, and prompt information of failure of cancellation of the electronic visa application needs to be sent to the user.

In the method for applying electronic visa based on credit provided by the embodiment of the specification, the electronic visa issued by the visa service party for the user can be the graphic identification code, visa information of the user is associated in the graphic identification code, when the user passes the entry and exit, the user only needs to show the graphic identification code, the visa service party obtains the visa information associated in the graphic identification code and verifies the visa information, the visa information can pass under the condition that the verification passes, and the method can be realized by the following steps:

Specifically, taking an electronic visa issued by a visa service party as a user U1 as an example, when the user U1 enters the country and passes, the user U1 only needs to show the two-dimensional code to a two-dimensional code scanner, the two-dimensional code scanner scans the two-dimensional code shown by the user U1 and extracts associated visa data in the two-dimensional code, and obtains historical electronic visa data of the user U1 from a database, and compares the associated visa data in the two-dimensional code with the historical electronic visa data, because the historical electronic visa data of the user U1 may include corresponding historical electronic visa data of multiple electronic visa applications, if the associated visa data in the two-dimensional code is consistent with the historical electronic visa data corresponding to any one of the electronic visa applications, the user U1 is verified to pass, and prompt information allowing the pass is sent; if the verification fails, a prompt message of no pass is sent to the user U1.

FIG. 2 is a flow chart illustrating a method for providing another credit-based electronic visa application in accordance with one embodiment of the present disclosure, including steps 202 through 208.

Step 202, a credit inquiry request sent by a visa service side is received, wherein the credit inquiry request is sent by the visa service side according to the identity identification information carried in an electronic visa application instruction sent by a user through an electronic visa application interface aiming at a visa application place.

And 204, acquiring credit data of the user in at least one credit dimension according to the identity information.

Specifically, the at least one credit dimension includes: the method comprises the following steps of personal basic attribute information dimension, personal credit sale, payment information dimension, public record information dimension and personal credit point dimension;

and step 206, evaluating the credit data of the at least one credit dimension respectively to generate an evaluation result corresponding to the credit data of the at least one credit dimension.

And step 208, sending the evaluation result as a query result to the visa service party.

In an embodiment provided by this specification, after the step of sending the evaluation result as a query result to the visa service side is executed, the method further includes:

Specifically, because a cooperation agreement is achieved between the credit investigation institution and the visa service side, the credit investigation institution evaluates the credit data of the user and provides credit guarantee for the evaluation result, and therefore, under the condition that the audit result is that the audit is not passed, the visa service side needs to send the audit result to the credit investigation institution, and the credit investigation is performed on the user by the credit investigation institution, and the punishment mode includes: 1) carrying out credit point punishment processing on the user, and sending and displaying a credit punishment processing result to the user; 2) under the condition that the user is detected to send a credit service admission request, intercepting the credit service admission request; the credit investigation mechanism can select at least one punishment mode to carry out credit punishment on the user.

According to the embodiment of the specification, after a credit inquiry request sent by a visa service party is received, an evaluation result generated by evaluating credit data of a user in at least one credit dimension is sent to the visa service party, so that visa is rapidly issued to the user, a credit investigation institution guarantees the credit of the user, the visa service party issues an electronic visa first and then audits the visa data, time for waiting for material audit is saved for the user, and the electronic visa transaction process is more rapid and efficient.

The application method of the credit-based electronic visa provided in the present specification is further described below with reference to fig. 3 as an example of the application of the method in an actual scene. Fig. 3 shows an interaction diagram of a processing procedure of a credit-based electronic visa application method according to an embodiment of the present specification, where the specific steps include steps 302 to 322.

Step 302, the visa service side receives an electronic visa application instruction of a user.

Specifically, the visa service side receives visa application instructions submitted by the user through the electronic visa interface aiming at the visa application place.

Step 304, the visa service side obtains the credit inquiry authority.

Specifically, after receiving an electronic visa application instruction submitted by a user, a visa service side needs to acquire a credit data evaluation result of the user from a credit proving institution, and judges whether the user meets the electronic visa application condition of a visa application place according to the credit data evaluation result, and in practical application, the visa service side needs to obtain authorization of the user before acquiring the credit data evaluation result of the user from the credit proving institution (the user opens the authority of performing credit inquiry on the user at the credit proving institution for the visa service side).

Step 306, the visa service sends a credit inquiry request to the credit bureau.

Specifically, after receiving an electronic visa application instruction submitted by a user through an electronic visa application interface to a visa application place, a visa service side needs to perform credit inquiry on an applicant in a credit investigation institution, and sends a credit inquiry request to the credit investigation institution according to user identification information carried in the electronic visa application instruction submitted by the user so as to inquire a credit data evaluation result generated by the credit investigation institution evaluating the credit data of the user.

And step 308, the visa service side receives the query result returned by the credit investigation institution.

Specifically, the credit investigation institution evaluates the credit data of the user in at least one credit dimension, generates a credit data evaluation result corresponding to the credit data of the at least one credit dimension, returns the credit data evaluation result of the user as an inquiry result to the visa service party when receiving a credit data inquiry request of the user sent by the visa service party, and judges whether the user meets the visa application condition according to the inquiry result after the visa service party receives the inquiry result.

Wherein the at least one credit dimension comprises: the system comprises a personal basic attribute information dimension, a personal credit sale, a payment information dimension, a public record information dimension and a personal credit point dimension.

And step 310, the visa service party judges whether the user meets the visa application condition according to the query result.

Step 312, under the condition that it is determined that the user meets the visa application condition, showing a visa information collection page to the user.

Specifically, under the condition that it is determined that the user meets the visa application condition, the data carried in the query result obtained by performing credit query on the user may be matched with the information item to be acquired in the initial information acquisition page of the visa application place, and the successfully matched information item to be acquired may be deleted from the initial information acquisition page to generate the visa information acquisition page.

And step 314, the visa service party acquires visa data uploaded by the user based on the information acquisition page.

And step 316, the visa service party generates an electronic visa according to the visa data and issues the electronic visa to the user.

And step 318, the visa service party verifies the visa data uploaded by the user.

And 320, under the condition that the audit is not passed, the visa service party sends the audit result to a credit investigation institution.

And 322, receiving the auditing result by the credit investigation mechanism, and performing credit punishment on the user according to the auditing result.

Corresponding to the above method embodiment of the method for applying for a credit-based electronic visa, the present specification also provides an embodiment of a device for applying for a credit-based electronic visa, and fig. 4 shows a schematic structural diagram of a device for applying for a credit-based electronic visa provided by an embodiment of the present specification. As shown in fig. 4, the apparatus includes:

an instruction receiving module 402, configured to receive an electronic visa application instruction submitted by a user through an electronic visa application interface for a visa application place;

a credit inquiry module 404, configured to send a credit inquiry request of the user to a credit investigation institution according to the identity information of the user carried in the application instruction and receive an inquiry result;

an electronic visa generating module 406, configured to generate an electronic visa according to visa data uploaded by the user, when it is determined that the user meets an electronic visa application condition of the visa application place according to credit data of the user in at least one credit dimension, which is carried in the query result;

and the electronic visa sending module 408 is configured to issue the electronic visa to the user through the electronic visa application interface.

Optionally, the credit-based electronic visa application apparatus further includes:

the first visa data auditing module is configured to audit the visa data and generate a corresponding visa auditing result;

and the auditing result sending module is configured to send the auditing result to the credit investigation mechanism to perform credit punishment processing on the user under the condition that the visa auditing result is not passed.

the first visa data auditing module is configured to audit the visa data and generate a corresponding auditing result;

the visa state detection module is configured to detect the visa state of the electronic visa under the condition that the audit result is that the audit is not passed;

and the visa state updating module is configured to update the visa state to be invalid if the visa state is valid.

Optionally, the electronic visa generating module 406 includes:

the initial visa information acquisition sub-module is configured to acquire an initial visa information acquisition page of the visa application place;

the matching submodule is configured to match each information item to be collected in the initial visa information collection page with credit data of the user in at least one credit dimension;

the visa information acquisition page generation submodule is configured to delete the successfully matched information items to be acquired in the initial visa information acquisition page and integrate the un-deleted information items to be acquired to generate the visa information acquisition page;

and the electronic visa generation sub-module is configured to issue the visa information acquisition page to the user, acquire visa data uploaded by the user based on the visa information acquisition page and generate the electronic visa according to the visa data.

an application sending module configured to send an opening request for opening the authority of the credit investigation institution for performing credit inquiry on the user to the user, wherein the opening request carries identification information of the visa service party and the credit investigation institution;

an authority opening result receiving module configured to receive an authority opening result returned by the user for the opening request;

and if the permission opening result is that the permission opening is successful, operating the credit inquiry module 404.

the visa data modification instruction receiving module is configured to receive visa data modification instructions sent by the user through the electronic visa application interface;

the audit state query module is configured to query the audit state of the visa data uploaded by the user according to the identity information of the user carried in the modification instruction;

and the visa data acquisition module is configured to show the visa data modification page to the user and acquire visa data input by the user based on the visa data modification page if the audit state is not audit.

the canceling instruction receiving module is configured to receive an electronic visa canceling instruction sent by the user through the electronic visa applying interface;

a pass record query module configured to query a pass record of the user at the visa application place within the validity period of the electronic visa according to the identity information of the user carried in the revocation instruction;

the first information sending module is configured to update the visa state of the electronic visa to be invalid and send prompt information that the electronic visa application is cancelled successfully to the user if the pass record is empty;

and the second information sending module is configured to send prompt information of failure in applying cancellation of the electronic visa to the user if the pass record is not empty.

the pass request receiving module is configured to receive a pass request sent by the user based on an electronic visa verification port;

an associated electronic visa data extraction module configured to scan the electronic visa presented by the user based on the pass request and extract associated electronic visa data in the electronic visa;

the associated electronic visa data verification module is configured to query historical electronic visa data of the user, which is pre-stored in a database, according to the identity information of the user, which is carried in the pass request, and verify the associated electronic visa data according to the historical electronic visa data;

and the third information sending module is configured to send prompt information for allowing the passage to the user under the condition that the verification is passed.

The above is an exemplary scheme of the credit-based electronic visa application apparatus of this embodiment. It should be noted that the technical solution of the credit-based electronic visa application apparatus and the technical solution of the credit-based electronic visa application method belong to the same concept, and details of the technical solution of the credit-based electronic visa application apparatus that is not described in detail can be referred to the description of the technical solution of the credit-based electronic visa application method.

Corresponding to the above-mentioned another method embodiment of the method for applying for a credit-based electronic visa, the present specification also provides another embodiment of a device for applying for a credit-based electronic visa, and fig. 5 shows a schematic structural diagram of a device for applying for a credit-based electronic visa provided by an embodiment of the present specification. As shown in fig. 5, the apparatus includes:

a credit inquiry request receiving module 502 configured to receive a credit inquiry request sent by a visa service party, wherein the credit inquiry request is sent by the visa service party according to identity information carried in an electronic visa application instruction sent by a user through an electronic visa application interface for a visa application place;

a credit data acquisition module 504 configured to acquire credit data of the user in at least one credit dimension according to the identification information;

a data evaluation module 506 configured to evaluate the credit data of the at least one credit dimension respectively to generate an evaluation result corresponding to the credit data of the at least one credit dimension;

a query result sending module 508 configured to send the evaluation result as a query result to the visa service.

the auditing result receiving module is configured to receive and store an auditing result generated by auditing the visa data of the user and sent by the visa server;

a credit point processing module configured to determine a credit penalty event meeting an execution condition according to the audit result, perform credit point penalty processing on the user according to the user identity information carried in the audit result and an execution mode of the credit penalty event, and send and display a credit penalty processing result to the user; and/or

And the credit service admission request processing module is used for intercepting the credit service admission request under the condition that the user is detected to send the credit service admission request.

The above is an exemplary scheme of the credit-based electronic visa application apparatus of this embodiment. It should be noted that the technical solution of the credit-based electronic visa application apparatus and the technical solution of the above-mentioned another credit-based electronic visa application method belong to the same concept, and details of the technical solution of the credit-based electronic visa application apparatus that is not described in detail can be referred to the description of the technical solution of the above-mentioned another credit-based electronic visa application method.

FIG. 6 illustrates a block diagram of a computing device 600 provided in accordance with one embodiment of the present description. The components of the computing device 600 include, but are not limited to, a memory 610 and a processor 620. The processor 620 is coupled to the memory 610 via a bus 630 and a database 650 is used to store data.

Computing device 600 also includes access device 640, access device 640 enabling computing device 600 to communicate via one or more networks 660. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 640 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 600, as well as other components not shown in FIG. 6, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 6 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 600 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 600 may also be a mobile or stationary server.

Wherein the memory 610 is configured to store computer-executable instructions and the processor 620 is configured to execute the following computer-executable instructions:

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the above-mentioned credit-based electronic visa application method belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the above-mentioned credit-based electronic visa application method.

FIG. 7 illustrates a block diagram of another computing device 700 provided in accordance with one embodiment of the present description. The components of the computing device 700 include, but are not limited to, memory 710 and a processor 720. Processor 720 is coupled to memory 710 via bus 730, and database 750 is used to store data.

Computing device 700 also includes access device 740, access device 740 enabling computing device 700 to communicate via one or more networks 760. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 740 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 700, as well as other components not shown in FIG. 7, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 7 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 700 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 700 may also be a mobile or stationary server.

Wherein the memory 710 is configured to store computer-executable instructions and the processor 720 is configured to execute the following computer-executable instructions:

and sending the evaluation result as a query result to the visa service party.

The above is an illustrative scheme of another computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the above-mentioned another credit-based electronic visa application method belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the above-mentioned another credit-based electronic visa application method.

An embodiment of the present specification also provides a computer readable storage medium storing computer instructions which, when executed by a processor, are used to implement the steps of the method for applying for a credit-based electronic visa.

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium belongs to the same concept as the technical solution of the above-mentioned credit-based electronic visa application method, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the above-mentioned credit-based electronic visa application method.

An embodiment of the present specification also provides another computer-readable storage medium storing computer instructions which, when executed by a processor, perform the steps of the another credit-based electronic visa application method.

The above is an illustrative scheme of another computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the above-mentioned another credit-based electronic visa application method belong to the same concept, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the above-mentioned another credit-based electronic visa application method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A credit-based electronic visa application method comprises the following steps:

2. The credit-based electronic visa application method of claim 1, further comprising, after the step of issuing the electronic visa to the user through the electronic visa application interface is performed:

auditing the visa data and generating a corresponding visa auditing result;

3. The credit-based electronic visa application method of claim 2, further comprising, after the step of issuing the electronic visa to the user through the electronic visa application interface is performed:

auditing the visa data and generating a corresponding auditing result;

and if the visa state is valid, updating the visa state to be invalid.

4. The credit-based electronic visa application method of claim 1, wherein generating an electronic visa from visa data uploaded by the user comprises:

5. The credit-based electronic visa application method of claim 1, after the step of receiving the electronic visa application instruction submitted by the user to the visa application place through the electronic visa application interface is executed, before the step of sending the credit inquiry request of the user to the credit investigation institution and receiving the inquiry result according to the identification information of the user carried in the application instruction is executed, the method further comprises:

6. The credit-based electronic visa application method of claim 1, further comprising, after the step of issuing the electronic visa to the user through the electronic visa application interface is performed:

7. The credit-based electronic visa application method of claim 1, further comprising, after the step of issuing the electronic visa to the user through the electronic visa application interface is performed:

8. The credit-based electronic visa application method of claim 1, further comprising, after the step of issuing the electronic visa to the user through the electronic visa application interface is performed:

9. A credit-based electronic visa application apparatus, comprising:

10. A credit-based electronic visa application method comprises the following steps:

and sending the evaluation result as a query result to the visa service party.

11. The credit-based electronic visa application method of claim 10, after the step of sending the evaluation result as a query result to the visa server is performed, further comprising:

12. A credit-based electronic visa application apparatus, comprising:

13. A computing device, comprising:

a memory and a processor;

14. A computing device, comprising:

a memory and a processor;

and sending the evaluation result as a query result to the visa service party.

15. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the credit-based electronic visa application method of any of claims 1 to 8.

16. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the credit-based electronic visa application method of any of claims 10 to 11.