CN111105301B

CN111105301B - Information processing method, terminal, server and storage medium

Info

Publication number: CN111105301B
Application number: CN201811248514.3A
Authority: CN
Inventors: 陈进
Original assignee: Simplecredit Micro-Lending Co ltd
Current assignee: Simplecredit Micro-Lending Co ltd
Priority date: 2018-10-25
Filing date: 2018-10-25
Publication date: 2023-10-17
Anticipated expiration: 2038-10-25
Also published as: CN111105301A

Abstract

The embodiment of the invention provides an information processing method, a terminal, a server and a storage medium, wherein the method comprises the following steps: when detecting that a user recommends linked access operation for a target corresponding to a loan platform, responding the access operation by a client to display an operation interface corresponding to the loan platform; when detecting that the current operation of the user on the operation interface requires the related information of the recommending party, searching the related information of the recommending party from a local database based on the identity of the recommending party; and if the client searches the related information of the recommending party from the local database, the client sends an auditing request for the current operation to the loan platform. By adopting the embodiment of the invention, the information required by the operation of the user is automatically acquired from the local database, the information interaction between the client and the server side is reduced, and the information processing efficiency is improved.

Description

Information processing method, terminal, server and storage medium

Technical Field

The present invention relates to the field of internet finance technologies, and in particular, to an information processing method, a terminal, a server, and a storage medium.

Background

With the rapid development of the information age, most enterprises choose to promote products through a network to attract more users, and a common method is to send links corresponding to the enterprises to the partners, and the partners display the links corresponding to the enterprises on related web pages, so that the users can access the enterprises through the links on the web pages of the partners. If the user accesses the enterprise on the webpage of the partner, the enterprise stores the information of the partner in the back-end server, and when the access flow of the partner needs to be counted, the front end acquires the information of the partner from the back-end server through interaction with the back-end server.

In the loan industry, besides the information of the partner required in the process of counting the flow, some operations of the user at the front end also need to be checked based on the information of the partner, if the operations of the user at a plurality of places at the front end need the information of the partner, the front end and the back end servers need to interact for a plurality of times, so that the information processing efficiency is low.

Disclosure of Invention

The embodiment of the invention provides an information processing method, a terminal, a server and a storage medium, which realize that information required by operation of a user is automatically acquired from a local database, reduce information interaction between a client and a server side and improve information processing efficiency.

In a first aspect, an embodiment of the present invention provides an information processing method, including:

when the access operation of a user for the target recommended link corresponding to the loan platform is detected, the client responds to the access operation to display an operation interface corresponding to the loan platform, and the target recommended link comprises the identity of a recommending party;

when detecting that the current operation of the user on the operation interface requires the related information of the recommending party, the client searches the related information of the recommending party from the local database based on the identity of the recommending party;

if the client searches the related information of the recommending party from the local database, the client sends an auditing request aiming at the current operation to the loan platform, wherein the auditing request comprises the related information of the recommending party, and the auditing request is used for indicating the loan platform to audit the current operation based on the related information of the recommending party.

Optionally, before the client searches the relevant information of the recommender from the local database based on the identity of the recommender when detecting that the current operation of the user on the operation interface requires the relevant information of the recommender, the method further comprises:

the client sends an acquisition request of related information of a recommending party of the loan platform to the cloud server;

The client receives the related information of at least one recommended party of the loan platform sent by the cloud server in response to the acquisition request;

the client stores information about at least one recommender of the loan platform in a local database.

Optionally, the acquiring request carries an identity of a recommender, and the client receives related information of at least one recommender of the loan platform sent by the cloud server in response to the acquiring request, including:

and the client receives the related information of the recommending party matched with the identity in at least one recommending party of the loan platform sent by the cloud server in response to the acquisition request.

Optionally, after the client searches the related information of the recommending party from the local database, the method further includes:

the client sends a notification message to the loan platform, wherein the notification message is used for indicating the loan platform to count the access flow of the recommended link of the target and paying the recommended party according to the access flow.

In a second aspect, an embodiment of the present invention provides another information processing method, including:

the loan platform receives an access request which is sent by a client and aims at a target recommended link corresponding to the loan platform, wherein the access request comprises an identity mark of a recommending party carried in the target recommended link;

The loan platform responds to the access request and sends an access response to the client so that the client displays an operation interface corresponding to the loan platform according to the access response;

the loan platform receives an auditing request sent by the client for the current operation of the user on the operation interface, wherein the auditing request comprises related information of a recommending party, and the current operation is audited based on the related information of the recommending party, and the related information of the recommending party is searched from a local database by the client based on the identity of the recommending party.

Optionally, before the loan platform receives the access request for the target recommended link corresponding to the loan platform sent by the client, the method further includes:

the loan platform determines at least one recommending party;

the loan platform obtains the related information of at least one recommending party and stores the related information of at least one recommending party into the cloud server.

Optionally, the method further comprises:

the loan platform acquires the identity of at least one recommending party and generates at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party;

the loan platform sends at least one recommended link to the corresponding recommending party so that the recommending party recommends the user to access the loan platform through the respective corresponding recommended link.

In a third aspect, an embodiment of the present invention provides an information processing apparatus including:

the display unit is used for responding to the access operation to display an operation interface corresponding to the loan platform when the access operation of the user for the target recommended link corresponding to the loan platform is detected, wherein the target recommended link comprises the identity of a recommending party;

the searching unit is used for searching the related information of the recommending party from the local database based on the identity of the recommending party when detecting that the current operation of the user on the operation interface requires the related information of the recommending party;

and the sending unit is used for sending an auditing request aiming at the house money operation to the loan platform if the related information of the recommending party is searched from the local database, wherein the auditing request comprises the related information of the recommending party and is used for indicating the loan platform to audit the current operation based on the related information of the recommending party.

Optionally, the information processing apparatus further includes a receiving unit and a storage unit:

the sending unit is also used for sending an acquisition request of the related information of the recommending party of the loan platform to the cloud server;

a receiving unit for receiving information about at least one recommender of the loan platform transmitted by the cloud server in response to the acquisition request;

And the storage unit is used for storing the related information of at least one recommended party of the loan platform in the local database.

Optionally, if the acquiring request carries an identity of the recommending party, the receiving unit is specifically configured to:

and receiving the related information of the recommended party matched with the identity in at least one recommended party of the loan platform sent by the cloud server in response to the acquisition request.

Optionally, the sending unit is further configured to send a notification message to the loan platform, where the notification message is used to instruct the loan platform to count the access flow of the target recommended link, and pay the recommended party according to the access flow.

In a fourth aspect, an embodiment of the present invention provides another information processing apparatus, including:

the receiving unit is used for receiving an access request which is sent by the client and aims at a target recommended link corresponding to the loan platform, wherein the access request comprises an identity mark of a recommending party carried in the target recommended link;

the sending unit is used for responding to the access request and sending an access response to the client so that the client displays an operation interface corresponding to the loan platform according to the access response;

the receiving unit is also used for receiving an audit request which is sent by the client and aims at the current operation of the user on the operation interface, wherein the audit request comprises the related information of the recommending party;

And the auditing unit is used for auditing the current operation based on the related information of the recommending party, and the related information of the recommending party is searched from the local database by the client based on the identity of the recommending party.

Optionally, the information processing apparatus further includes a determining unit, an acquiring unit, and a storing unit:

a determining unit, configured to determine at least one recommender;

the acquiring unit is used for acquiring the related information of at least one recommending party;

and the storage unit is used for storing the related information of at least one recommending party into the cloud server.

Optionally, the information processing apparatus further includes a generating unit:

the acquisition unit is also used for acquiring the identity of at least one recommending party;

the generation unit is used for generating at least one recommended link corresponding to the loan platform based on the identity of the at least one recommended party;

and the sending unit is also used for sending at least one recommended link to the corresponding recommending party so that the recommending party can recommend the user to access the loan platform through the corresponding recommended link.

In a fifth aspect, an embodiment of the present invention provides a terminal, including a processor, a receiving device, a transmitting device, and a memory, where the processor, the receiving device, the transmitting device, and the memory are connected to each other, and the memory is configured to store a computer program, where the computer program includes program instructions, and where the processor is configured to invoke the program instructions to perform the information processing method of the first aspect and any optional method thereof.

In a sixth aspect, an embodiment of the present invention provides a server comprising a processor, a network interface and a memory, the processor, the network interface and the memory being interconnected, the memory being for storing a computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the information processing method of the second aspect and any of the alternatives thereof.

In a seventh aspect, embodiments of the present invention provide a computer readable storage medium storing a first computer program comprising first program instructions which, when executed by a processor, cause the processor to perform the above-described first aspect and any of its alternatives; alternatively, a computer readable storage medium stores a second computer program comprising second program instructions which, when executed by a processor, cause the processor to perform the second aspect and any of its alternatives described above.

In the implementation of the invention, when the access request of the user for the target recommended link is detected, the client receives the access response of the loan platform for the access request and displays the operation interface of the loan platform. If the client detects that the current operation of the user on the current operation interface requires the related information of the recommending party, the client actively searches the related information of the recommending party from the local database, and sends an auditing request to the loan platform based on the current operation and the related information of the recommending party, the loan platform can audit the current operation based on the related information of the recommending party, so that the information required by the operation of the user is automatically acquired from the local database, the information interaction between the client and the server side is reduced, and the information processing efficiency is improved.

Drawings

In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a block diagram of an information handling system according to an embodiment of the present invention;

fig. 2 is a schematic flow chart of an information processing method according to an embodiment of the present invention;

FIG. 3 is a flowchart of another information processing method according to an embodiment of the present invention;

FIG. 4 is a flowchart of another information processing method according to an embodiment of the present invention;

fig. 5 is a schematic structural view of an information processing apparatus according to an embodiment of the present invention;

fig. 6 is a schematic structural view of another information processing apparatus according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a terminal according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a server according to an embodiment of the present 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.

Referring to fig. 1, an architecture diagram of an information processing system according to an embodiment of the present invention may include a terminal 10, a client 20 and a loan platform 30, where the client 20 is running on the terminal 10, and a user may operate the client 20 through the terminal 10, and in the embodiment of the present invention, the client 20 may be a browser client; the loan platform 30 is built by a server of a loan party, and the terminal 10 can refer to portable mobile devices such as a mobile phone, a notebook computer, a tablet computer and the like; the terminal 10 may also refer to a non-portable device such as a desktop computer; the terminal 10 may also refer to other devices capable of running the client 20, which are not specifically limited in the embodiments of the present invention.

In one embodiment, the client 20 may be configured to: when the access operation of recommending the link by the user for the target corresponding to the loan platform 30 is detected, an operation interface corresponding to the loan platform is displayed in response to the access operation; when detecting that the current operation of the user on the operation interface requires the related information of the recommending party, searching the related information of the recommending party from a local database based on the identity of the recommending party; if the related information of the recommending party is found from the local data, an audit request for the current operation is sent to the loan platform 30, where the audit request may include the related information of the recommending party, and the audit request is used to instruct the loan platform 30 to audit the current operation based on the related information of the recommending party.

In one embodiment, when detecting that the current operation of the user on the operation interface requires the related information of the recommender, before the client 20 searches the local data for the related information of the recommender based on the identity of the recommender, the client 20 is further configured to: sending an acquisition request of related information of a recommending party of a loan platform to a cloud server; receiving related information of at least one recommending party of a loan platform sent by a cloud server in response to an acquisition request; information about at least one recommender of the loan platform is stored in a local database.

In one embodiment, if the acquisition request carries the identity of the recommender, the client 20 is configured to receive the information about the recommender of the loan platform sent by the cloud server in response to the acquisition request, where the information about the recommender matching the identity in the at least one recommender of the loan platform sent by the cloud server in response to the acquisition request is received.

In one embodiment, after the client 20 finds the related information of the recommender from the local database, the client 20 is further configured to: and sending a notification message to the loan platform 30, wherein the notification message is used for instructing the loan platform 30 to count the access flow of the target recommended link and paying the recommended party according to the access flow.

In one embodiment, in the architecture diagram of the information processing system shown in fig. 1, the loan platform 30 may include a channel management module, a statistics module and a registration module, where the channel management module may also be referred to as a recommender management module, and is used for managing information of recommenders, where the channel management module includes relevant information of all recommenders, such as identity information, chinese identifier, english identifier, and product description; the statistics module is used for counting the access flow of the target recommended links of each recommending party; the registration module is used for managing the registration information of the user on the loan platform.

In one embodiment, the loan platform 30 is to: receiving an access request which is sent by a client and aims at a target recommended link corresponding to a loan platform, wherein the access request comprises an identity mark of a recommending party carried in the target recommended link; sending an access response to the client in response to the access request, so that the client displays an operation interface corresponding to the loan platform according to the access response; receiving an auditing request sent by a client for the current operation of a user on an operation interface, wherein the auditing request comprises related information of a recommending party, and auditing the current operation based on the related information of the recommending party, and the related information of the recommending party is searched from a local database by the client based on the identity of the recommending party.

In one embodiment, before the loan platform 30 is configured to receive the access request sent by the client for the target recommended link corresponding to the loan platform, the loan platform is further configured to: determining at least one recommending party; and acquiring the related information of at least one recommending party, and storing the related information of the at least one recommending party into a cloud server.

In one embodiment, the loan platform 30 is further configured to: acquiring the identity of at least one recommending party, and generating at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party; and sending at least one recommended link to the corresponding recommending party so that the recommending party recommends the user to access the loan platform through the corresponding recommended link.

Alternatively, in the system architecture diagram shown in FIG. 1, the information interaction between the client 20 and the loan platform 30 may be seen with particular reference to FIG. 2. In one embodiment, at least one recommender of the loan platform 30 may present a web page in the client 20 that includes a target recommended link, which may be in the form of a hypertext transfer protocol (HyperText Transfer Protocol, HTTP) link, for example, the target recommended link is http: www.abc.comid =aishang; alternatively, the target recommended links may be displayed in the form of specific pictures or icons on the web page of the client 20, such as associating the target recommended links with a borrower flag, and displaying the borrower flag on the web page of the client 20.

As an alternative embodiment, the target recommended links presented by the recommender in the web page of the client 20 are target recommended links from the loan base 30 and processed by the loan base 30. Optionally, the loan platform 30 may first generate a basic link corresponding to the loan platform, where the basic link refers to a link that a user may use to enter an operation interface corresponding to the loan platform, and then the loan platform 30 generates corresponding recommended links for each recommended party based on the identity of at least one recommended party corresponding to the loan platform, that is, for different recommended parties, the loan platform 30 adds the identity of a specific recommended party to the basic link to obtain the recommended link corresponding to each recommended party. The target recommended links are any one of the various recommended links generated by the loan platform 30.

When the user inputs an access operation to the target recommended link, the access operation may refer to that the user clicks the http link or clicks a picture, and the client 20 obtains an identity of a recommender included in the target recommended link and then obtains related information of the recommender of the target recommended link based on the identity. Optionally, the manner in which the client 20 obtains the relevant information of the recommending party may be obtained from a cloud server, specifically, the client 20 may obtain the relevant information of all recommending parties related to the loan platform from a cloud service and store the relevant information in a local database, and then obtain the relevant information of the recommending party based on the identity of the recommending party linked by the target recommending; alternatively, the client 20 may obtain only the information about the recommender corresponding to the identity of the recommender from the cloud server. As a possible implementation, if the client 20 obtains the information about the recommending party, it indicates that the recommending party is a recommending party corresponding to the loan platform, otherwise, it indicates that the recommending party is not a recommending party corresponding to the loan platform. If the client 20 obtains the related information of the recommender, the related information of the recommender and the user is bound and stored in the local database, so that the client can directly extract the related information of the recommender corresponding to the user from the local database according to the user when the related information of the recommender related to the user needs to be determined later.

The client 20 responds to the access operation of the user and displays an operation interface corresponding to the loan platform, so that the user can register, apply for loan and other matters related to the loan in the operation interface. In the operation process of the user on the operation interface, if the client 20 monitors that the current operation of the user requires the related information of the recommending party, the client 20 directly extracts the related information of the recommending party corresponding to the user from the local database based on the identity of the recommending party, and sends an auditing request to the loan platform 30 based on the related information of the recommending party. The loan platform 30 may audit the user's current operations based on the relevant information of the recommender included in the received audit request.

In short, in the embodiment of the present invention, the channel management module of the loan platform 30 may pre-acquire and store the relevant information of at least one recommender thereof, and store the relevant information of at least one recommender in the cloud server, and then the client 20 may acquire the relevant information of the recommender connected with the target recommendation from the cloud server, and store the relevant information in the local database, and when the client 20 detects that the operation of the user on the operation interface corresponding to the loan platform 30 on the client requires the relevant information of the recommender, the client 20 may directly acquire the relevant information of the recommender from the local database and send the relevant information to the loan platform 30, so that the information interaction between the client 20 and the server side is reduced, and the information processing efficiency may be improved.

Referring to fig. 3, which is a flowchart of another information processing method according to an embodiment of the present invention, the information processing method shown in fig. 3 may be applied to the information processing system shown in fig. 1, and the information processing method shown in fig. 3 may include:

s301, when access operation of a user for recommending links to targets corresponding to the loan platform is detected, the client responds to the access operation to display an operation interface corresponding to the loan platform.

Links refer to a connection from one web page to a target, which may be another web page, a different location on the same web page, a picture, an email address, a file, or even an application. In the embodiment of the invention, the link is also called a recommended link, and refers to a page from one page to another page of the client, wherein the other page is a page related to a loan platform. For example, http: www.baidu.com is shown in the first webpage, and a hundred-degree webpage can be accessed by clicking the http: www.baidu.com, and then the http: www.baidu.com can be called as a recommended link; for another example, the first web page is displayed with the text "XXX small loan limited", and by clicking on the text, the web page related to XXX small loan can be entered, and then the XXX small loan limited can also be called a recommended link. In short, the expression form of the recommended links in the webpage can be in the form of http links, can be in the form of characters or pictures.

In one embodiment, the loan platform is equivalent to a back-end server of the loan party, so that the loan party is known by more users or attracts more users to apply for loan through the loan party, the loan party can advertise through a network popularization mode, and a common mode is that the loan party cooperates with some enterprises responsible for network popularization, so that the network popularization enterprises recommend the loan party in the corresponding web pages, and the network popularization enterprises cooperated with the loan party are referred to as recommendation parties of the loan party, and can also be referred to as recommendation parties of the loan platform. In the embodiment of the invention, the recommending party of the loan platform can recommend the loan platform to the user in a mode of displaying the recommending link corresponding to the loan platform in the corresponding webpage.

In one embodiment, the recommended links corresponding to the loan platform, which are displayed by each recommending party of the loan platform in the corresponding web page, are generated by the loan platform for each recommending party, and the recommended links include identities of recommending parties.

In one embodiment, when the client detects that the user inputs a click or slide operation for a target recommended link in a certain recommended web page, the client can determine that the user performs an access operation, and generates an access request according to the access operation of the user and sends the access request to the loan platform; the loan platform responds to the access request and sends an access response to the client; the client receives the access response of the loan platform, and obtains and displays the operation interface of the loan platform corresponding to the access response, so that the user can know or execute various services provided by a loan party such as a loan application and the like in the operation interface of the loan platform.

S302, when detecting that the current operation of the user on the operation interface requires the related information of the recommending party, the client searches the related information of the recommending party from the local database based on the identity of the recommending party.

In one embodiment, the user's current operation on the operator interface may refer to a user registration operation or a loan application, as well as operations performed by the user on other services available to the loan platform. The case where the current operation requires the related information of the recommender may include: the loan platform needs to audit the current operation according to the related information of the recommending party, or the current operation needs to determine the source of the target recommending link. Optionally, the loan platform may set different auditing rules for each recommending party according to the attribute of each recommending party or the cooperation condition of each recommending party and the loan party, so that when the user performs operations such as registration or loan application on the loan platform through the recommended link of a certain recommending party, the loan platform may audit the operation of the user according to the auditing rules corresponding to a certain recommending party. In other embodiments, the loan platform may set the auditing rules corresponding to each recommender according to other rules.

For example, assuming that the recommending parties cooperating with the loan platform can include a recommending party 1 and a recommending party 2, assuming that after the recommending party 1 requests the user to register and register the property condition of the user by real name, the recommending party 1 can access the relevant information of the user after passing the verification, that is, the accessing condition set by the recommending party 1 is higher, which indicates that the user accessing the loan platform through the recommending link of the recommending party 1 is the user whose personal information is accurate and whose property condition meets the requirement, the loan platform can set the auditing rule corresponding to the recommending party 1 is simpler; the user can access the user without registering an account number, namely, the access condition set by the recommending party 2 is low, and the property condition and the personal information condition of the user are unclear at the moment, so that the loan platform can set the auditing rule corresponding to the recommending party 2 to be complex.

In one embodiment, before the client searches the local database for the related information of the recommender based on the identity of the recommender, the method further comprises: the client sends an acquisition request of related information of a recommending party of the loan platform to the cloud server; the client receives the related information of at least one recommended party of the loan platform sent by the cloud server in response to the acquisition request; the client stores information about at least one recommender of the loan platform in a local database. In other words, the relevant information of at least one recommending party of the loan platform is stored in the cloud server, and the client can acquire the relevant information of at least one recommending party of the loan platform by sending an acquisition request to the cloud server and store the relevant information in the local database, so that when the relevant information of a certain recommending party is needed later, the client can be directly extracted from the local database, and information interaction between the client and the cloud server is reduced.

In one embodiment, the cloud server may store information about a plurality of recommenders of the loan platform, so that the acquisition request sent by the client to the cloud server may include an identity of the loan platform, so that the cloud server can find information about at least one recommender of the loan platform from the cloud server according to the identity information of the loan platform. In one embodiment, the information about at least one recommender of the loan platform stored in the cloud server may be information about the recommender stored in the cloud server in advance of the loan platform, and the information about the recommender may include: identity, chinese identity, english identity, product description, etc. It can be understood that the target recommended link includes an identity of the recommender, and when the client detects that the current operation of the user on the operation interface requires the relevant information of the recommender, the client can search the relevant information of the recommender from the local data based on the identity of the recommender included in the target recommended link.

In summary, the client can store the relevant information of all recommenders related to the loan platform in the local database by sending the acquisition request to the cloud server only once, so that the information interaction among the client, the cloud server and the loan platform is reduced and the information processing efficiency is improved by directly extracting and sending the information from the local database to the loan platform when required.

In other embodiments, the client may also only acquire the relevant information of the recommender of the current target recommended link when detecting the access operation of the user to the target recommended link. In this case, the acquiring request sent by the client to the cloud server may include the identity of the recommender and the identity of the loan platform, and after the cloud server receives the acquiring request, the cloud server searches the relevant information of the recommender corresponding to the identity of the recommender in the loan platform from the stored relevant information of the plurality of recommenders in the plurality of loan platforms, and then sends the relevant information to the client. In this way, the client can directly extract the relevant information of the recommender if the relevant information of the recommender is needed in the subsequent operation.

S303, if the client searches the related information of the recommending party from the local database, the client sends an audit request for the current operation to the loan platform.

Optionally, if the client side finds the related information of the recommending party from the local database, the recommending party indicating the target recommending link is one of the recommending parties corresponding to the loan platform, the client side generates an auditing request for the current operation of the user based on the related information of the recommending party, and sends the auditing request to the loan platform, wherein the auditing request is used for indicating the loan platform to audit the current operation based on the related information of the recommending party.

In one embodiment, after the client searches the local database for information about the recommender, the client sends a notification message to the loan platform, the notification message indicating the access flow of the target recommended link to the loan platform, and pays the recommender according to the access flow. It will be appreciated that the recommendation direction may recommend to the user that the loan platform be a paid recommendation, that is, the loan platform may pay a recommendation fee to the recommender based on the number of clicks the user has on the target recommendation link corresponding to the recommender, or the loan platform may calculate a recommendation fee that should be paid to the recommender based on whether the user is registered with the loan platform after entering the loan platform through the target recommendation link.

In the embodiment of the invention, if the user is detected to execute the access operation on the target recommended link, the client responds to the access operation to display the operation interface corresponding to the loan platform, and then if the current operation of the user on the operation interface needs to be audited based on the relevant information of the recommended party of the target recommended link, the client can find the relevant information of the recommended party from the local database of the client according to the identity of the recommended party in the target recommended link, further, an audit request comprising the relevant information of the recommended party is sent to the loan platform, and the loan platform can audit the current operation according to the relevant information of the recommended party, so that the client can automatically acquire the required information from the local database according to the operation of the user and send the information to the loan platform, the information interaction between the client and the server side is reduced, and the information processing efficiency is improved.

Referring to fig. 4, another information processing method according to an embodiment of the present invention may be applied to the information processing system shown in fig. 1, and the information processing method shown in fig. 4 may include:

s401, the loan platform receives an access request which is sent by the client and aims at a target recommended link corresponding to the loan platform.

In one embodiment, before the loan platform receives the access request for the target recommended link corresponding to the loan platform, the method further includes: the loan platform determines at least one recommending party; the loan platform obtains the related information of at least one recommending party and stores the related information of at least one recommending party into the cloud server. That is, the loan base pre-selects at least one recommending party for recommending the loan base, and in one embodiment, the way the loan base determines the at least one recommending party may be: the loan platform can send inquiry requests of whether the recommending party is willing to help the recommending to a plurality of recommending parties, and if a certain recommending party agrees to cooperate with the loan platform, the inquiry requests are sent to the loan platform; the loan platform receives recommendation requests sent by various recommending parties, wherein the recommendation requests comprise information of the various recommending parties, such as operation conditions, evaluation conditions of users, identity identification of the recommending parties, product description and other related information; and the loan platform carries out auditing on each recommending party according to the corresponding information of each recommending party in the recommending request, and the recommending party passing the auditing can be determined as the recommending party of the loan platform.

Further, after the loan platform determines at least one recommending party, corresponding recommending links may be generated for each recommending party, so that the recommending party recommends users to access the loan platform through the corresponding recommending links. In one embodiment, the loan platform obtains the identity of at least one recommending party and generates at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party; the loan platform sends at least one recommended link to the corresponding recommending party. Optionally, the manner in which the loan platform generates the at least one recommended link corresponding to the loan platform based on the identity of the at least one recommending party may be: the loan platform firstly generates a basic link, wherein the basic link refers to a link which can enter the loan platform by executing access operation on the basic link; and then adding the identity of at least one recommending party on the basis of the basic link to obtain at least one recommending link. Optionally, the loan platform may add the identity of the recommender after the base link, or the loan platform may add the identity of the recommender on the base link in other ways.

For example, assuming that the recommending party of the loan platform is fashion, the base link generated by the loan platform is http:// www.xyd.com, and the corresponding recommended link of the recommendation Fang Aishang generated by the loan platform may be "http:// www.xyd.com? aishang).

And S402, the loan platform responds to the access request and sends an access response to the client, so that the client displays an operation interface corresponding to the loan platform according to the access response.

Optionally, after the loan platform receives the access request sent by the client, the operation interface of the loan platform corresponding to the access request is determined in response to the access request, further an access response is generated based on the operation interface and the access request, and the access response is sent to the client, so that the client can conveniently obtain and display the operation interface corresponding to the loan platform to the user, and further the user can know the loan platform or register on the loan platform through the operation interface.

In one embodiment, the loan platform may further receive a notification message sent by the client, where the notification message is used to prompt the loan platform to count access traffic of the target recommended link, and pay the recommender according to the access traffic. In short, the loan platform may pay a recommendation fee for a recommendation party based on the access flow of the recommendation link of a recommendation party. In yet another embodiment, the loan base may pay the recommending party in the case that the user accesses the loan base through the recommending link of a recommending party and completes registration in the loan base. In other embodiments, the loan base may also pay the recommender in accordance with the access flow of the recommended link of a recommender, and the user registers in the loan base via the recommended link.

For example, for a particular recommender, the loan platform may set recommended fee levels A and B, which in turn indicate that the payment is from low to high. If the access flow of the recommended links of the recommending party exceeds a first quantity threshold value, and the quantity of users entering the loan platform through the recommended links and finishing registration is smaller than a second threshold value, the recommended expense grade is A; if the access flow of the recommended link of the recommending party exceeds a first quantity threshold, and the number of users accessing the loan platform through the recommended link and finishing registration at the loan platform exceeds a second quantity threshold, the loan platform pays a recommending party with a fee grade of B; if the recommended links of the recommending party have access traffic exceeding a first number threshold and the number of users accessing the loan platform through the recommended links and completing registration at the loan platform exceeds a second number threshold. It will be appreciated that for a particular recommender, the greater the access traffic, the greater the number of users that have completed registration in the loan base via the recommended link, the greater the fee paid by the loan base. Alternatively, the foregoing descriptions are only examples of possible ways to set payment for the recommender by using some loan platforms listed in the embodiments of the present invention, and the embodiments of the present invention are not limited to specific setting ways.

S403, the loan platform receives an auditing request which is sent by the client and aims at the current operation of the user on the operation interface, wherein the auditing request comprises the related information of the recommending party, and the current operation is audited based on the related information of the recommending party.

In one embodiment, after the loan platform receives the audit request sent by the client, the loan platform may audit the current operation based on the related information of the recommender. The audit request sent by the client is generated when the current operation of the user on the operation interface requires the related information of the recommender. For example, after a user enters an operation interface corresponding to a loan platform through a target recommendation link, the user performs a loan application operation in the operation interface, and if a certain step of the loan platform needs to verify the source of the user in the process of applying for a loan, when the client detects that the current operation of the user is the step, the client actively obtains relevant information of a recommender from the local and generates an audit request based on the current operation and the relevant information of the recommender, and sends the audit request to the loan platform; the loan platform audits the step based on the related information of the recommending party in the audit request.

In one embodiment, the loan platform auditing the current operation based on the recommendation party related information may include: the loan platform determines an auditing rule for auditing the current operation based on the related information of the recommending party; and auditing the current operation based on the auditing rule. That is, the loan platform may set different auditing rules for different recommenders, and when an auditing request sent by a client is received, it is first determined according to related information of the recommenders in the auditing request, according to which auditing rule to audit the current operation, and then audit is performed according to the determined auditing rule. The auditing rules set by the loan platform for different recommending parties may be different, so that the same current operation of the user can occur, and if the user sources are different, auditing results are different. For example, assuming that the current operation is a property condition requiring verification of the user, assuming that the loan platform is that if the monthly wages of the user exceed 1 ten thousand, the auditing rule set for the recommender 2 is that the monthly wages of the user exceed 1 ten thousand and the mortgage property with a value of 20 ten thousand is owned by the recommender; if the user enters the operation interface of the loan platform through the target recommended link of the recommending party 1 and executes the current operation, the loan platform carries out auditing according to the auditing rule corresponding to the recommending party 1, and the auditing result is that the auditing passes; if the user enters the operation interface of the loan platform through the target recommendation link of the recommending party 2 and executes the current operation, the loan platform carries out auditing according to the auditing rule corresponding to the recommending party 2, and the auditing result is that the auditing is not passed. It can be appreciated that the basis for the loan platform to set the auditing rules for the recommending party 1 and the recommending party 2 respectively may be: and the recommendation method is determined according to the operation conditions of the recommendation party 1 and the recommendation party 2, user evaluation and other conditions capable of measuring the feasibility of the recommendation party.

In the implementation of the invention, when the access request of the user for the target recommended link is detected, the client receives the access response of the loan platform for the access request and displays the operation interface of the loan platform. If the client detects that the current operation of the user on the current operation interface requires the related information of the recommending party, the client actively searches the related information of the recommending party from the local database, and sends an auditing request to the loan platform based on the current operation and the related information of the recommending party, the loan platform can audit the current operation based on the related information of the recommending party, the client can automatically acquire the required information from the local database according to the operation of the user and send the information to the loan platform, the information interaction between the client and the server side is reduced, and the information processing efficiency is improved.

Referring to fig. 5, a schematic structural diagram of an information processing apparatus according to an embodiment of the present invention, where the information processing apparatus shown in fig. 5 may include: display unit 501, search unit 502, and transmission unit 503:

a display unit 501, configured to, when detecting an access operation of a user to a target recommended link corresponding to a loan platform, display an operation interface corresponding to the loan platform in response to the access operation, where the target recommended link includes an identity of a recommender;

The searching unit 502 is configured to search, when detecting that the current operation of the user on the operation interface requires the related information of the recommender, the related information of the recommender from the local database based on the identity of the recommender;

and a sending unit 503, configured to send, if the related information of the recommending party is found from the local database, an audit request for the current operation to the loan platform, where the audit request includes the related information of the recommending party, and the audit request is used to instruct the loan platform to audit the current operation based on the related information of the recommending party.

Optionally, the information processing apparatus shown in fig. 5 further includes a receiving unit 504 and a storage unit 505:

a sending unit 503, configured to send, to a cloud server, an acquisition request of related information of a recommending party of a loan platform;

a receiving unit 504, configured to receive information about at least one recommender of the loan platform sent by the cloud server in response to the acquisition request;

a storage unit 505 for storing information about at least one recommender of the loan platform in a local database.

Optionally, if the acquiring request carries the identity of the recommending party, the receiving unit 504 is specifically configured to: and receiving the related information of the recommended party matched with the identity in at least one recommended party of the loan platform sent by the cloud server in response to the acquisition request.

Optionally, the sending unit 503 is further configured to send a notification message to the loan platform, where the notification message is used to instruct the loan platform to count the access flow of the target recommended link, and pay the recommended party according to the access flow.

In this embodiment, after detecting an access operation of a user for a target recommendation link and corresponding to the access operation, the display unit 501 displays an operation interface corresponding to a loan platform, if detecting that the current operation of the user in the operation interface requires the related information of a recommender, the search unit 502 searches the local database for the related information of the recommender, and if the search unit 502 searches the related information of the recommender, the sending unit 503 sends an audit request for the current operation to the loan platform, where the audit request includes the related information of the recommender, so that the loan platform can audit the current operation of the user according to the related information of the recommender in the audit request, thereby reducing information interaction between the client and the server side and improving information processing efficiency.

It will be appreciated that the functional units and functions of the units of the information processing apparatus according to this embodiment may be specifically implemented according to the method in the method embodiment shown in fig. 3, and the specific implementation process may refer to the relevant description of the method embodiment shown in fig. 3 and will not be repeated herein.

Referring to fig. 6, a schematic structural diagram of another information processing apparatus according to an embodiment of the present invention, the information processing apparatus shown in fig. 6 may include: a receiving unit 601, a transmitting unit 602, and an auditing unit 603:

a receiving unit 601, configured to receive an access request sent by a client for a target recommended link corresponding to a loan platform, where the access request includes an identity of a recommender carried in the target recommended link;

a sending unit 602, configured to send an access response to the client in response to the access request, so that the client displays an operation interface corresponding to the loan platform according to the access response;

the receiving unit 601 is further configured to receive an audit request sent by the client for a current operation of the user on the operation interface, where the audit request includes related information of the recommender;

and the auditing unit 603 is configured to audit the current operation based on related information of the recommending party, where the related information of the recommending party is searched from the local database by the client based on the identity of the recommending party.

Optionally, the information processing apparatus shown in fig. 6 further includes a determining unit 604, an acquiring unit 605, and a storing unit 606:

a determining unit 604, configured to determine at least one recommender;

An acquiring unit 605 configured to acquire related information of at least one recommender;

and a storage unit 606, configured to store relevant information of at least one recommender into the cloud server.

Optionally, the information processing apparatus shown in fig. 6 further includes a generation unit 607:

the obtaining unit 605 is further configured to obtain an identity of at least one recommender;

a generating unit 607, configured to generate at least one recommended link corresponding to the loan platform based on the identity of the at least one recommending party;

the sending unit 602 is further configured to send at least one recommendation link to a corresponding recommending party, so that the recommending party recommends the user to access the loan platform through the respective corresponding recommendation link.

In this embodiment, after receiving the access request sent by the client, the sending unit 602 sends an access response to the client in response to the access request, so that the client displays an operation interface corresponding to the money platform according to the access response. When the receiving unit 601 receives an auditing request sent by the client for the current operation of the user on the operation interface, the auditing unit 603 audits the current operation of the user based on the related information of the recommending party included in the auditing request, so that information interaction between the client and the server side is reduced, and information processing efficiency is improved.

It will be appreciated that the functional units and functions of the units of the information processing apparatus according to the present embodiment may be specifically implemented according to the method in the method embodiment shown in fig. 4, and the specific implementation process may refer to the related description of the method embodiment shown in fig. 4 and will not be repeated herein.

Referring to fig. 7, a schematic block diagram of a terminal according to an embodiment of the present invention is provided. The terminal in the present embodiment as shown in fig. 7 corresponds to the foregoing client, and the terminal may include: one or more processors 701; one or more receiving devices 702, one or more transmitting devices 703, and memory 704. The processor 701, the receiving device 702, the transmitting device 703, and the memory 704 are connected via a bus 705. The memory 704 is used for storing a computer program comprising program instructions, and the processor 701 is used for executing the program instructions stored in the memory 704. Wherein the processor 701 is configured to invoke program instruction execution:

when the access operation of a user for the target recommended link corresponding to the loan platform is detected, an operation interface corresponding to the loan platform is displayed in response to the access operation, wherein the target recommended link comprises the identity of a recommending party;

When detecting that the current operation of the user on the operation interface requires the related information of the recommending party, searching the related information of the recommending party from a local database based on the identity of the recommending party;

if the related information of the recommended party is found from the local database, an auditing request for the current operation is sent to the loan platform, wherein the auditing request comprises the related information of the recommended party, and the auditing request is used for indicating the loan platform to audit the current operation based on the related information of the recommended party.

Optionally, when detecting that the current operation of the user on the operation interface requires the related information of the recommender, before searching the local database for the related information of the recommender based on the identity of the recommender, the processor 701 is configured to invoke the program instructions to further execute:

sending an acquisition request of related information of a recommending party of a loan platform to a cloud server;

receiving related information of at least one recommending party of a loan platform sent by a cloud server in response to an acquisition request;

information about at least one recommender of the loan platform is stored in a local database.

Optionally, the acquiring request carries an identity of a recommender, receiving information about at least one recommender of the loan platform sent by the cloud server in response to the acquiring request, and the processor 701 is configured to invoke the program instructions to specifically execute:

Optionally, after the related information of the recommender is found in the local database, the processor 701 is configured for the caller instruction to further execute:

and sending a notification message to the loan platform, wherein the notification message is used for indicating the loan platform to count the access flow of the recommended link of the target and paying the recommended party according to the access flow.

It should be appreciated that in embodiments of the present invention, the processor 701 may be a central processing unit (Central Processing Unit, CPU), which may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), off-the-shelf programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The receiving device 702 is used for receiving data or information, and the transmitting device 703 is used for transmitting data or information.

The memory 704 may include read only memory and random access memory, and provides instructions and data to the processor 701. A portion of memory 704 may also include non-volatile random access memory. For example, the memory 704 may also store information of device type.

In a specific implementation, the processor 701 described in the embodiment of the present invention may perform the implementation described in the embodiment of the information processing method provided in fig. 3, or may perform the implementation of the information processing apparatus described in fig. 5, which is not described herein again.

Referring to fig. 8, a schematic block diagram of a server according to an embodiment of the present invention is provided. The server in the present embodiment as shown in fig. 8 corresponds to the loan platform previously described, and may include: one or more processors 801; one or more network interfaces 802 and a memory 803. The processor 801, the network interface 802, and the memory 803 are connected through a bus 804. The memory 803 is used for storing a computer program comprising program instructions, and the processor 801 is used for executing the program instructions stored by the memory 803. Wherein the processor 801 is configured to invoke program instruction execution:

receiving an access request which is sent by a client and aims at a target recommended link corresponding to a loan platform, wherein the access request comprises an identity mark of a recommending party carried in the target recommended link;

Responding to the access request and sending an access response to the client so that the client displays an operation interface corresponding to the loan platform according to the access response;

receiving an auditing request sent by a client for the current operation of a user on an operation interface, wherein the auditing request comprises related information of a recommending party, and auditing the current operation based on the related information of the recommending party, and the related information of the recommending party is searched from a local database by the client based on the identity of the recommending party.

Optionally, before receiving the access request sent by the client for the target recommended link corresponding to the loan platform, the processor 801 is configured to invoke the program instructions to further execute:

determining at least one recommending party;

and acquiring the related information of at least one recommending party, and storing the related information of the at least one recommending party into a cloud server.

Optionally, the processor 801 is configured for calling program instructions to further execute:

acquiring the identity of at least one recommending party, and generating at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party;

and sending at least one recommended link to the corresponding recommending party so that the recommending party recommends the user to access the loan platform through the corresponding recommended link.

It is to be appreciated that in embodiments of the invention, the processor 801 may be a CPU, which may also be other general purpose processors, DSP, ASIC, FPGA or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The network interface 802 is used to receive or transmit data when connecting to a network.

The memory 803 may include read only memory and random access memory and provide instructions and data to the processor 801. A portion of memory 803 may also include non-volatile random access memory. For example, the memory 803 may also store information of a device type.

In a specific implementation, the processor 801 described in the embodiment of the present invention may perform the implementation described in the embodiment of the information processing method provided in fig. 4, or may perform the implementation of the information processing apparatus described in fig. 6, which is not described herein again.

In an embodiment of the invention, a computer readable storage medium is provided, the computer readable storage medium storing a first computer program comprising first program instructions which, when executed by a processor, implement:

Optionally, when detecting that the current operation of the user on the operation interface requires the related information of the recommender, before searching the local database for the related information of the recommender based on the identity of the recommender, the first program instructions when executed by the processor further implement:

Optionally, the acquiring request carries an identity of a recommender, receiving related information of at least one recommender of the loan platform sent by the cloud server in response to the acquiring request, and the first program instruction is specifically implemented when executed by the processor:

Optionally, after the related information of the recommender is found in the local database, the first program instructions when executed by the processor further implement:

In an embodiment of the invention, a computer readable storage medium is provided, the computer readable storage medium storing a second computer program comprising second program instructions which, when executed by a processor, implement:

Optionally, before receiving the access request for the target recommended link corresponding to the loan platform sent by the client, the second program instruction when executed by the processor further implements:

determining at least one recommending party;

Optionally, the second program instructions when executed by the processor further implement:

Those skilled in the art will appreciate that the processes implementing all or part of the methods of the above embodiments may be implemented by a computer program for instructing relevant hardware, and the program may be stored in a computer readable storage medium, and the program may include the processes of the embodiments of the methods as above when executed. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a random-access Memory (Random Access Memory, RAM), or the like.

The above disclosure is only a preferred embodiment of the present invention, and it should be understood that the scope of the invention is not limited thereto, and those skilled in the art will appreciate that all or part of the procedures described above can be performed according to the equivalent changes of the claims, and still fall within the scope of the present invention.

Claims

1. An information processing method, characterized by comprising:

when detecting an access operation of a user for a target recommended link corresponding to a loan platform, a client responds to the access operation to display an operation interface corresponding to the loan platform, wherein the target recommended link comprises an identity of a recommending party;

the client sends an acquisition request of the related information of the recommending party of the loan platform to a cloud server;

The client receives the related information of at least one recommending party of the loan platform, which is sent by the cloud server in response to the acquisition request, wherein the related information of the recommending party comprises identity information, chinese identification, english identification and product description;

the client stores the related information of at least one recommending party of the loan platform in a local database;

when detecting that the current operation of the user on the operation interface requires the related information of the recommending party, the client searches the related information of the recommending party from a local database based on the identity of the recommending party;

if the client searches the related information of the recommending party from the local database, the client sends an auditing request for the current operation to the loan platform, wherein the auditing request comprises the related information of the recommending party, and the auditing request is used for indicating the loan platform to audit the current operation based on the related information of the recommending party.

2. The method of claim 1, wherein the acquisition request carries an identity of the recommender, and the client receiving information about at least one recommender of the loan platform transmitted by the cloud server in response to the acquisition request, comprises:

And the client receives the related information of the recommended party matched with the identity in at least one recommended party of the loan platform, which is sent by the cloud server in response to the acquisition request.

3. The method according to claim 1 or 2, wherein after the client finds the relevant information of the recommender from the local database, the method further comprises:

and the client sends a notification message to the loan platform, wherein the notification message is used for indicating the loan platform to count the access flow of the target recommended link and paying the cost to the recommended party according to the access flow.

4. An information processing method, characterized by comprising:

the loan platform receives an access request which is sent by a client and aims at a target recommended link corresponding to the loan platform, wherein the access request comprises an identity of a recommending party carried in the target recommended link;

the loan platform receives an auditing request sent by the client for the current operation of the user on the operation interface, wherein the auditing request comprises related information of the recommending party, and the current operation is audited based on the related information of the recommending party, the related information of the recommending party is searched by the client from a local database based on the identity of the recommending party, the local database comprises the related information of at least one recommending party of the loan platform, which is acquired by the client from a cloud server, and the related information of the recommending party comprises identity information, chinese identification, english identification and product description.

5. The method of claim 4, wherein before the loan platform receives the access request sent by the client for the target recommended link corresponding to the loan platform, the method further comprises:

the loan platform determines at least one recommending party;

and the loan platform acquires the related information of the at least one recommending party and stores the related information of the at least one recommending party into a cloud server.

6. The method of claim 5, wherein the method further comprises:

the loan platform acquires the identity of the at least one recommending party and generates at least one recommending link corresponding to the loan platform based on the identity of the at least one recommending party;

and the loan platform sends the at least one recommended link to a corresponding recommending party so that the recommending party recommends a user to access the loan platform through the corresponding recommended link.

7. A terminal comprising a processor, a receiving device, a transmitting device and a memory, the processor, the receiving device, the transmitting device and the memory being interconnected, the memory being for storing a computer program, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the information processing method of any of claims 1-3.

8. A server comprising a processor, a network interface and a memory, the processor, the network interface and the memory being interconnected, the memory being for storing a computer program, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the information processing method of any of claims 4-6.

9. A computer readable storage medium, characterized in that the computer readable storage medium stores a first computer program comprising first program instructions which, when executed by a processor, cause the processor to perform the information processing method according to any of claims 1-3; alternatively, the computer readable storage medium stores a second computer program comprising second program instructions which, when executed by a processor, cause the processor to perform the information processing method according to any of claims 4-6.