CN111127183A - Data processing method, device, server and computer readable storage medium - Google Patents
Data processing method, device, server and computer readable storage medium Download PDFInfo
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- CN111127183A CN111127183A CN201811292317.1A CN201811292317A CN111127183A CN 111127183 A CN111127183 A CN 111127183A CN 201811292317 A CN201811292317 A CN 201811292317A CN 111127183 A CN111127183 A CN 111127183A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The embodiment of the invention discloses a data processing method, a data processing device, a server and a computer readable storage medium, wherein the method comprises the following steps: receiving a litigation request sent by a loan platform, wherein the litigation request comprises evidence providing data and personal information of a loan user; obtaining loan data of the loan user, which is deposited by the loan platform, from a block chain system according to the personal information of the loan user; and generating a judgment result aiming at the litigation request according to a comparison result between the evidence demonstration data and the loan data, and storing the judgment result into the block chain system, so that the situation of misjudgment caused by tampering of the evidence demonstration data is avoided.
Description
Technical Field
The present invention relates to the field of internet financial technologies, and in particular, to a data processing method, apparatus, server, and computer-readable storage medium.
Background
At present, when a loan user is overdue, a loan platform can force loan personnel to repay through a litigation procedure, and when the loan platform performs litigation on the overdue loan user, the loan platform can provide related loan information, repayment records and other evidence providing data of the loan user so that litigation units can make decisions according to the evidence providing data.
However, since the proof data to be judged by the litigation unit is provided by the loan platform, there is a possibility that the proof data is falsified and the judgment is made erroneously.
Disclosure of Invention
The embodiment of the invention provides a data processing method, a data processing device, a server and a computer readable storage medium, which are beneficial to avoiding the situation of misjudgment caused by tampering of proof data.
In a first aspect, an embodiment of the present invention provides a data processing method, where the method includes:
receiving a litigation request sent by a loan platform, wherein the litigation request comprises evidence providing data and personal information of a loan user;
obtaining loan data of the loan user, which is deposited by the loan platform, from a block chain system according to the personal information of the loan user;
and generating a judgment result aiming at the litigation request according to a comparison result between the evidence demonstration data and the loan data, and storing the judgment result into the block chain system.
In one embodiment, the attestation data includes: the loan platform records the information of the loan user for the evidence and the payment of the loan user;
the loan data includes: and the loan platform records the actual loan information of the loan user and the actual repayment of the loan user.
In one embodiment, the generating a decision result for the litigation request according to a comparison result between the attestation data and the loan data comprises:
comparing the evidence putting information with the actual putting information, and comparing the evidence repayment record with the actual repayment record to obtain a comparison result;
judging whether the evidence payment information is consistent with the actual payment information or not according to the comparison result, and whether the evidence payment record is consistent with the actual payment record or not;
if yes, generating a judgment result according to the evidence proving data and the personal information of the loan user through the litigation request;
and if not, generating a judgment result for rejecting the litigation request.
In one embodiment, the method further comprises:
generating a decision book according to the decision result and the personal information of the loan user;
and pushing the judgment to the loan user through the registered account number of the loan user on the loan platform.
In a second aspect, an embodiment of the present invention further provides a data processing method, where the method includes:
when detecting that the loan of a loan user is overdue, acquiring the evidence-taking information of the loan user, wherein the evidence-taking information comprises the personal information of the loan user, the evidence-taking and payment information of the loan user and an evidence-taking and payment record;
generating a litigation request according to the evidence demonstration information of the loan user, wherein the litigation request comprises evidence demonstration data and personal information of the loan user;
and sending the litigation request to a notarization party so that the notarization party can respond to the litigation request, judging the litigation request according to the testification data and the loan data of the loan user stored in the block chain system, and generating a judgment result.
In one embodiment, before obtaining the proof information of the loan user when the loan of the loan user is detected to be overdue, the method further comprises:
obtaining loan data of any loan user, wherein the loan data comprises actual loan information of the loan user and actual repayment records of the loan user;
and storing the loan data of any loan user into a block chain system.
In one embodiment, the method further comprises:
and receiving the judgment result sent by the public trust party, and marking the loan user as a blacklist user when the judgment result indicates that the litigation request passes.
In a third aspect, an embodiment of the present invention provides a data processing apparatus, where the apparatus includes:
the loan client side comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a litigation request sent by a loan platform, and the litigation request comprises attestation data and personal information of a loan user;
the obtaining unit is used for obtaining loan data of the loan user, which is deposited by the loan platform, from a block chain system according to the personal information of the loan user;
the generating unit is used for generating a judgment result aiming at the litigation request according to a comparison result between the evidence proving data and the loan data;
and the storage unit is used for storing the judgment result into the block chain system.
In one embodiment, the attestation data includes: the loan platform records the information of the loan user for the evidence and the payment of the loan user;
the loan data includes: and the loan platform records the actual loan information of the loan user and the actual repayment of the loan user.
In an embodiment, the generating unit is specifically configured to:
comparing the evidence putting information with the actual putting information, and comparing the evidence repayment record with the actual repayment record to obtain a comparison result;
judging whether the evidence payment information is consistent with the actual payment information or not according to the comparison result, and whether the evidence payment record is consistent with the actual payment record or not;
if yes, generating a judgment result according to the evidence proving data and the personal information of the loan user through the litigation request;
and if not, generating a judgment result for rejecting the litigation request.
In one embodiment, the apparatus further comprises: and a pushing unit.
The generating unit is further used for generating a decision book according to the decision result and the personal information of the loan user;
and the pushing unit is used for pushing the judgment statement to the loan user through the registered account number of the loan user on the loan platform.
In a fourth aspect, an embodiment of the present invention provides a data processing apparatus, where the apparatus includes:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring the proof information of a loan user when detecting that the loan of the loan user is overdue, and the proof information comprises the personal information of the loan user, the proof payment information of the loan user and a proof repayment record;
the generating unit is used for generating litigation requests according to the testification information of the loan users, and the litigation requests comprise testification data and personal information of the loan users;
and the sending unit is used for sending the litigation request to an axiomatic party so that the axiomatic party can respond to the litigation request, judges the litigation request according to the evidence proving data and the loan data of the loan user stored in the block chain system, and generates a judgment result.
In one embodiment, the apparatus further comprises: and a memory unit.
The obtaining unit is further configured to obtain loan data of any loan user, where the loan data includes actual loan information for the loan user and an actual repayment record of the loan user;
and the storage unit is used for storing the loan data of any loan user into the block chain system.
In one embodiment, the apparatus further comprises: and a receiving unit.
And the receiving unit is used for receiving the judgment result sent by the public trust party and marking the loan user as a blacklist user when the judgment result indicates that the litigation request passes.
In a fifth aspect, an embodiment of the present invention provides a server, which includes a storage device, a processor, and a network interface, where the storage device stores a computer program, the network interface is used for data interaction, and the processor implements the method according to any one of the first aspects when executing the computer program.
In a sixth aspect, an embodiment of the present invention provides a server, which includes a storage device, a processor, and a network interface, where the storage device stores a computer program, the network interface is used for data interaction, and the processor implements the method according to any one of the second aspects when executing the computer program.
In a seventh aspect, an embodiment of the present invention provides a computer storage medium, where a first computer program instruction is stored in the computer storage medium, and when executed by a processor, the first computer program instruction is configured to execute the data processing method according to any one of the first aspect; alternatively, the computer storage medium has stored therein second computer program instructions for executing the data processing method according to the second aspect when executed by the processor.
In the embodiment of the invention, after receiving the litigation request which is sent by the loan platform and comprises the testimony data and the personal information of the loan user, the crediting party can obtain the loan data of the loan user, which is stored by the loan platform, from the block chain system according to the personal information, and generate the judgment result aiming at the litigation request according to the comparison result between the testimony data and the loan data, so that the reliability of the testification data submitted by the loan platform can be determined, the correct judgment result can be generated based on the reliable testimony data, and the influence of misjudgment on the loan platform and/or the user is avoided.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a block chain system according to an embodiment of the present invention;
FIG. 2 is a flow chart of a data processing method according to an embodiment of the present invention;
FIG. 3 is a flow chart illustrating a data processing method according to another embodiment of the present invention;
FIG. 4 is a flow chart illustrating a data processing method according to another embodiment of the present invention;
FIG. 5 is a schematic block diagram of a data processing apparatus provided by an embodiment of the present invention;
FIG. 6 is a schematic block diagram of a data processing apparatus according to another embodiment of the present invention;
FIG. 7 is a schematic block diagram of a server provided by an embodiment of the present invention;
fig. 8 is a schematic block diagram of a server according to another embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In order to avoid that the loan platform provides falsified proof data, and the way for inquiring the correctness of the proof data is lacked by the credit side, the data processing method is provided by the application, and the way for inquiring the correctness of the proof data is added to the credit side, so that the credit side is prevented from making misjudgment only according to the falsified proof data provided by the loan platform.
In the present application, the loan platform 11 and the public trust party 12 may both be connected to a blockchain network 13 to form a blockchain system as shown in fig. 1, specifically, a part of nodes of the blockchain system may be deployed in one or more servers corresponding to the loan platform, another part of nodes may be deployed in one or more servers corresponding to the public trust party, and the public trust party 12 may be, for example, a government agency, a court, or the like.
When a loan user applies for a loan from a registered account to a loan platform, the loan platform 11 collects loan information of the loan user, where the loan information includes personal information of the loan user, loan application time, loan contract, loan information of the loan platform for the loan user, and repayment records of the loan user. In one embodiment, the loan platform uploads the collected loan information of the loan user to the blockchain system and broadcasts the loan information to various nodes in the blockchain system, thereby preventing the loan information from being maliciously tampered.
In addition, after the loan platform uploads the loan information of the loan user to the block chain system, the subsequent repayment condition of the user can be updated according to a preset time interval. In addition, the loan platform can also store the loan information of the loan user locally so as to detect whether the repayment behavior of the loan user is overdue or not.
When the loan platform 11 detects that the repayment behavior of the loan user is overdue, a complaint form can be generated according to the personal information of the loan user, and evidence-holding data can be generated based on loan information locally stored by the loan platform 11 for the loan user and repayment notes of the loan user locally stored by the loan platform 11, so that the complaint form and the evidence-holding data can be stored in a litigation request and sent to a credit-issuer to obtain a decision on the overdue behavior of the loan user. In one embodiment, the loan platform 11 may detect whether the repayment behavior of the loan user is overdue according to a preset time interval; the expiration period can also be preset, and can be 3 months, 6 months and the like, for example; when the complaint book is generated based on the personal information of the loan user, whether the complaint condition is satisfied or not is determined by combining the complaint elements, and the complaint book is generated when the complaint condition is satisfied.
The loan platform 11 may send the generated complaint form and proof data to the public trust 12 via the added blockchain network, or may send the generated complaint form and proof data to the public trust party via other communication connection methods, such as a wireless connection method.
After the citizen 12 receives the complaint book, the loan information and the repayment record of the loan user stored in the loan platform 11 can be acquired at the node of the corresponding blockchain system, and whether the loan information and the repayment record included in the proof data are falsified or not is determined based on the loan information and the repayment record acquired from the node of the blockchain system, if not, the decision is made based on the proof data, the decision result is stored in the blockchain system, and if yes, the decision request is rejected.
Further, the public trust side 12 may also generate a decision book according to the decision result, and send the decision book to the loan user through the registered account of the loan user in the loan platform in the block chain system, or send the decision book to the loan user in an off-line sending manner. In one embodiment, if the trusted party 12 determines that the loan user is a overdue user, the loan platform, upon receiving the determination, will mark the loan user as a blacklisted user.
Referring to fig. 2, a flow chart of a data processing method according to an embodiment of the invention is shown, and as shown in fig. 2, the method may include:
and S201, the notarization party receives a litigation request sent by the loan platform, wherein the litigation request comprises the evidence providing data and the personal information of the loan user.
In one embodiment, one or more servers corresponding to the lender and the public trust party are all connected to the blockchain network, so that a loan data saving method based on blockchain is formed, therefore, the public trust party can receive litigation requests directly sent by the loan platform, can also receive litigation requests sent by the loan platform through the blockchain network, and can also simultaneously receive litigation requests sent by the same loan platform and can also simultaneously receive the requests sent by different loan platforms.
In one embodiment, the litigation request includes attestation data comprising: the loan platform records the information of the loan user for the evidence and the payment of the loan user; the litigation request further includes a complaint book generated from the personal information of the loan user, and the complaint book is generated based on the personal information and the complaint book by referring to the proposal element forming the complaint book when the complaint book is generated by the loan platform.
It should be noted that the information of the proof put on the loan user by the loan platform for generating the proof data and the record of the proof repayment of the loan user are obtained by the loan platform from the locally stored loan data of the loan user, and therefore, the information of the proof put on the loan platform for generating the proof data and the record of the proof repayment may be tampered.
When the loan platform detects that the repayment behavior of the loan user is overdue, a complaint form can be generated according to the personal information and the plan elements of the loan user, and the proof release information and the proof repayment record of the loan user are obtained from locally stored loan data of the loan user to generate the proof data, and the proof data and the complaint form are stored in a litigation request and sent to a public trust party, so that after the public trust party receives the litigation request, the proof data included in the litigation request can be determined, and the personal information of the loan user can be determined from the complaint form.
S202, the public trust side obtains the loan data of the loan user from the loan platform according to the personal information of the loan user from the block chain system.
In one embodiment, the loan data of the loan users deposited by the loan platform in the blockchain system is: the loan platform is the actual loan information of the loan user and the actual repayment record of the loan user, so that the loan data stored in the block chain system is real data which is not maliciously tampered. In addition, when the loan platform receives the repayment of the loan user, the loan data of the loan user stored in the block chain system is updated. Based on the above, the loan data of the loan user obtained by the public trust party from the block chain system is the latest updated loan data of the loan user.
And S203, the notarization party generates a judgment result aiming at the litigation request according to the comparison result between the proving data and the loan data, and stores the judgment result into the block chain system.
In one embodiment, when the notarization party generates a judgment result for the litigation request according to the comparison result between the attestation data and the loan data, the method specifically executes the following steps:
s12, comparing the evidence-making and payment-placing information with the actual payment-placing information, and comparing the evidence-making and payment record with the actual payment record to obtain a comparison result;
s13, determining whether the evidence payment information is consistent with the actual payment information and whether the evidence payment record is consistent with the actual payment record according to the comparison result;
s14, if yes, generating a judgment result according to the evidence-making data and the personal information of the loan user through the litigation request;
s15, if not, generating a decision result rejecting the litigation request.
In steps s 11-s 15, after receiving the litigation request from the loan platform, the notary may match the loan data of the loan user obtained from the blockchain system with the attestation data submitted by the loan platform to determine the reliability of the attestation data included in the litigation request, in order to verify the reliability of the attestation data included in the litigation request.
In one embodiment, the proof reimbursement information may be compared with the actual reimbursement information to determine whether the proof reimbursement information is not tampered with by the loan platform, and the proof reimbursement record may be compared with the actual repayment record to determine whether the proof repayment record is tampered with; when the evidence putting information is consistent with the actual putting information and the evidence repayment record is consistent with the actual repayment record, the evidence repayment data is not tampered, namely, the litigation request submitted by the loan platform is valid, and through the litigation request, a judgment result can be generated based on the evidence repayment data and the personal information of the loan user.
And if the payment information is inconsistent with the actual payment information and/or the evidence-submitting record is inconsistent with the actual payment record, the evidence-submitting data is the tampered data, the litigation request is invalid, and a judgment for rejecting the litigation request is generated.
After the credit side generates a judgment result aiming at the litigation request, a judgment book can be generated according to a judgment book template and the personal information of the loan user, the judgment book is sent to the loan platform, and the judgment book is sent to the loan user through the registered account number of the loan user on the loan platform, so that the loan user is forced to execute repayment operation, and the legal rights and interests of the loan platform are guaranteed.
In the embodiment of the invention, after receiving the litigation request which is sent by the loan platform and comprises the testimony data and the personal information of the loan user, the crediting party can obtain the loan data of the loan user, which is stored by the loan platform, from the block chain system according to the personal information, and generate the judgment result aiming at the litigation request according to the comparison result between the testimony data and the loan data, so that the reliability of the testification data submitted by the loan platform can be determined, the correct judgment result can be generated based on the reliable testimony data, and the influence of misjudgment on the loan platform and/or the user is avoided.
Referring to fig. 3, a flow chart of a data processing method according to another embodiment of the invention is shown, and as shown in fig. 3, the method may include:
s301, when detecting that the loan of the loan user is overdue, obtaining the evidence-making information of the loan user.
In one embodiment, the loan platform can inquire whether the repayment operation of the locally stored loan user is overdue or not according to a preset time interval, and when the local repayment operation of the loan user is detected to be overdue, locally stored evidence information of the loan platform can be acquired, wherein the evidence information comprises personal information of the loan user, evidence payment information of the loan user and evidence repayment records of the loan user.
When the loan platform detects that the loan of the loan user is overdue and before the information of the loan user is obtained, the loan platform can obtain locally stored loan data of any loan user and store the loan data of the loan user in the block chain system.
After the block chain system stores the actual payment information and the actual payment record, the actual payment information and the actual payment record are updated according to a data updating instruction submitted by the loan platform, so that the actual payment information and the actual payment record stored in the block chain system are guaranteed to be the latest data.
And S302, generating a litigation request according to the testimony information of the loan user.
When the loan platform inquires that the loan of the loan user is overdue, the loan platform can generate an advice book based on the acquired personal information and the plan elements in the advice information of the loan user, can generate advice data based on the advice loan information of the loan user to be checked and the advice repayment record in the advice information, and can generate an advice request based on the advice book and the advice data, and further send the advice request to a public trust party, namely, the loan platform turns to execute step S303.
And S303, sending the litigation request to a notarization party so that the notarization party can respond to the litigation request, judging the litigation request according to the proving data and the loan data of the loan user stored in the block chain system, and generating a judgment result.
Because the loan platform generates the litigation request according to locally acquired attestation information of the loan user, if the attestation information is maliciously tampered, the litigation request generated by the loan platform may be an invalid request, and therefore, after receiving the litigation request sent by the loan platform, the trusted party needs to check the validity of the litigation request and then make a decision.
In one embodiment, when the citizen can compare the evidence-holding data with the actual loan data of the loan user stored in the blockchain system, and when the evidence-holding data and the actual loan data are completely consistent, the citizen requests are passed, and a judgment result of passing the litigation requests is generated; if the evidence presenting data is different from the actual loan data, the litigation request is rejected, and a judgment result of rejecting the litigation request is generated.
And after the loan platform receives the judgment result sent by the credit side, if the judgment result indicates that the litigation request passes, the loan user is marked as a blacklist user so as to avoid lending for the loan user again by the loan platform.
In the embodiment of the invention, when the loan platform detects that the loan of the loan user is overdue, the loan platform acquires the evidence holding information of the loan user, and sends the litigation request generated according to the evidence holding information to the public trust party, so that the public trust party responds to the litigation request, judges the litigation request based on the evidence holding data and the loan data of the loan user stored in the block chain, and can improve the litigation processing efficiency of the loan platform.
Referring to fig. 4, a flowchart of a data processing method according to another embodiment of the present invention is shown, and as shown in fig. 4, the method may include:
s401, when detecting that the loan of the loan user is overdue, the loan platform acquires the evidence-making information of the loan user.
And S402, the loan platform generates a litigation request according to the proving information of the loan user.
And S403, the loan platform sends the litigation request to the public trust party.
And S404, the notarization party receives the litigation request sent by the loan platform.
S405, the credit side obtains the loan data of the loan user from the block chain system according to the personal information of the loan user.
And S406, the notarization party generates a judgment result aiming at the litigation request according to the comparison result between the proving data and the loan data, and stores the judgment result into the block chain system.
In steps S401 to S405, when the loan platform detects that the loan of the loan user is overdue, the loan platform may obtain personal information of the loan user, information on the loan user for loan payment, and loan information recorded for loan repayment, so as to generate an litigation request based on the loan information, and send the litigation request to the trusted party, when the trusted party receives the litigation request sent by the loan platform, the loan data of the loan user deposited by the loan platform may be obtained from the blockchain system according to the personal information of the loan user, so as to determine the reliability of the loan data provided by the loan platform, and when the loan data and the loan data are consistent, it is determined that the loan data is data that has not been tampered, so as to generate a decision result for the loan request, and send the generated decision result to the loan platform and the loan user, meanwhile, the legal rights and interests of the loan platform and the loan user are guaranteed.
In the embodiment of the invention, the loan platform can independently generate the litigation request according to the evidence holding information of the loan user, so that the litigation progress of the loan platform can be accelerated, after the citizen receives the litigation request sent by the loan platform, because the credibility of the evidence holding data included in the litigation request needs to be judged firstly, and then the litigation request is judged, the misjudgment condition caused by the citizen according to the wrong evidence holding data is avoided, and therefore, the data processing method provided by the application can simultaneously ensure the legal benefits of the loan platform and the loan user while improving the litigation processing efficiency of the loan platform.
An embodiment of the present invention further provides a data processing apparatus, which is configured to execute the method according to any one of fig. 2. Specifically, referring to fig. 5, a schematic block diagram of a data processing apparatus according to an embodiment of the present invention is provided. The device of the embodiment comprises: a receiving unit 501, an acquiring unit 502, a generating unit 503, and a storing unit 504. In the embodiment of the present invention, the data processing apparatus may be disposed in some servers or some dedicated processing devices that need to perform data processing.
The receiving unit 501 is configured to receive a litigation request sent by a loan platform, where the litigation request includes attestation data and personal information of a loan user;
an obtaining unit 502, configured to obtain, from a block chain system, loan data of the loan user deposited by the loan platform according to the personal information of the loan user;
a generating unit 503, configured to generate a judgment result for the litigation request according to a comparison result between the attestation data and the loan data;
a storage unit 504, configured to store the decision result in the blockchain system.
In one embodiment, the attestation data includes: the loan platform records the information of the loan user for the evidence and the payment of the loan user;
the loan data includes: and the loan platform records the actual loan information of the loan user and the actual repayment of the loan user.
In an embodiment, the generating unit 503 is specifically configured to:
comparing the evidence putting information with the actual putting information, and comparing the evidence repayment record with the actual repayment record to obtain a comparison result;
judging whether the evidence payment information is consistent with the actual payment information or not according to the comparison result, and whether the evidence payment record is consistent with the actual payment record or not;
if yes, generating a judgment result according to the evidence proving data and the personal information of the loan user through the litigation request;
and if not, generating a judgment result for rejecting the litigation request.
In one embodiment, the apparatus further comprises: a pushing unit 505.
The generating unit 503 is further configured to generate a decision book according to the decision result and the personal information of the loan user;
and the pushing unit 505 is configured to push the decision to the loan user through the account registered by the loan user on the loan platform.
In the embodiment of the present invention, after the receiving unit 501 receives the litigation request including the evidence data and the personal information of the loan user sent by the loan platform, the obtaining unit 502 may obtain the loan data of the loan user deposited by the loan platform from the block chain system according to the personal information, and the generating unit 503 may generate the decision result for the litigation request according to the comparison result between the evidence data and the loan data, so as to determine the reliability of the evidence data submitted by the loan platform, and may generate the correct decision result based on the reliable evidence data, thereby avoiding the influence of the erroneous decision on the loan platform and/or the user.
Another embodiment of the present invention further provides a data processing apparatus for performing the method as described in any one of fig. 3. Specifically, referring to fig. 6, a schematic block diagram of a data processing apparatus according to an embodiment of the present invention is provided. The device of the embodiment comprises: acquisition section 601, generation section 602, and transmission section 603. In the embodiment of the present invention, the data processing apparatus may be disposed in some servers or some dedicated processing devices that need to perform data processing.
The obtaining unit 601 is used for obtaining the proof information of the loan user when detecting that the loan of the loan user is overdue, wherein the proof information comprises the personal information of the loan user, the proof payment information of the loan user and the proof repayment record;
a generating unit 602, configured to generate a litigation request according to the attestation information of the loan user, where the litigation request includes attestation data and personal information of the loan user;
the sending unit 603 is configured to send the litigation request to an axiomatic party, so that the axiomatic party responds to the litigation request, and determines the litigation request according to the proving data and the loan data of the loan user stored in the block chain system, and generates a determination result.
In one embodiment, the apparatus further comprises: a memory unit 604.
The obtaining unit 601 is further configured to obtain loan data of any loan user, where the loan data includes actual loan information for the loan user and an actual repayment record of the loan user;
a storage unit 604, configured to store the loan data of any loan user into the blockchain system.
In one embodiment, the apparatus further comprises: a receiving unit 605.
The receiving unit 605 is configured to receive the determination result sent by the public trust party, and mark the loan user as a blacklist user when the determination result indicates that the litigation request passes.
In the embodiment of the present invention, when the obtaining unit 601 detects that the loan of the loan user is overdue, the obtaining unit obtains the citation information of the loan user, and the sending unit 603 sends the citation request generated by the generating unit 602 according to the citation information to the notarization party, so that the notarization party responds to the citation request, and judges the citation request based on the citation data and the loan data of the loan user stored in the block chain, which can improve the litigation processing efficiency of the loan platform.
Fig. 7 is a schematic block diagram of a server according to an embodiment of the present invention. The server in this embodiment as shown in the figure may include: power supplies, housings, various required interfaces, etc., such as a network interface 704, a user interface, etc. The server further comprises: one or more processors 701 and a storage 702. The processor 701 is coupled to the storage device 702, and in one embodiment, the processor 701, the storage device 702, and the network interface 704 are coupled via a bus 703.
The server may include a user interface, the user interface may include an interface module formed by some physical keys or touch keys, and the like, and may be capable of receiving the operation of the user, and the user interface may further include some structures, such as a display screen, and the like, capable of prompting the user for information, such as the operating state of the server.
The storage 702 may include a volatile memory (volatile memory), such as a random-access memory (RAM); the storage device 702 may also include a non-volatile memory device (non-volatile memory), such as a flash memory device (flash memory), a solid-state drive (SSD), etc.; the memory device 702 may also comprise a combination of memory devices of the types described above.
The processor 701 may be a Central Processing Unit (CPU). The processor 701 may further include a hardware chip. The hardware chip may be an application-specific integrated circuit (ASIC), a Programmable Logic Device (PLD), or the like. The PLD may be a field-programmable gate array (FPGA), a General Array Logic (GAL), or the like. The processor 701 may also be a combination of the above structures.
In the embodiment of the present invention, the storage device 702 is configured to store a computer program, the computer program includes program instructions, and the processor 701 is configured to execute the program instructions stored in the storage device 702 to implement the corresponding method steps in the above-described embodiments.
In one embodiment, the processor 701 is configured to call the program instructions to perform:
receiving a litigation request sent by a loan platform, wherein the litigation request comprises evidence providing data and personal information of a loan user;
obtaining loan data of the loan user, which is deposited by the loan platform, from a block chain system according to the personal information of the loan user;
and generating a judgment result aiming at the litigation request according to a comparison result between the evidence demonstration data and the loan data, and storing the judgment result into the block chain system.
In one embodiment, the attestation data includes: the loan platform records the information of the loan user for the evidence and the payment of the loan user;
the loan data includes: and the loan platform records the actual loan information of the loan user and the actual repayment of the loan user.
In one embodiment, the processor 701 is further configured to call the program instructions to perform:
comparing the evidence putting information with the actual putting information, and comparing the evidence repayment record with the actual repayment record to obtain a comparison result;
judging whether the evidence payment information is consistent with the actual payment information or not according to the comparison result, and whether the evidence payment record is consistent with the actual payment record or not;
if yes, generating a judgment result according to the evidence proving data and the personal information of the loan user through the litigation request;
and if not, generating a judgment result for rejecting the litigation request.
In one embodiment, the processor 701 is further configured to call the program instructions to perform:
generating a decision book according to the decision result and the personal information of the loan user;
and pushing the judgment to the loan user through the registered account number of the loan user on the loan platform.
Fig. 8 is a schematic block diagram of a server according to an embodiment of the present invention. The server in this embodiment as shown in the figure may include: power supplies, housings, various required interfaces, etc., such as a network interface 804, a user interface, etc. The server further comprises: one or more processors 801 and a memory device 802. The processor 801 is coupled to the storage device 802. in one embodiment, the processor 801, the storage device 802, and the network interface 804 may be coupled via a bus 803.
The server may include a user interface, the user interface may include an interface module formed by some physical keys or touch keys, and the like, and may be capable of receiving the operation of the user, and the user interface may further include some structures, such as a display screen, and the like, capable of prompting the user for information, such as the operating state of the server.
The storage device 802 may include a volatile memory device (volatile memory), such as a random-access memory (RAM); the storage device 802 may also include a non-volatile memory device (non-volatile memory), such as a flash memory device (flash memory), a solid-state drive (SSD), etc.; memory device 802 may also comprise a combination of memory devices of the types described above.
The processor 801 may be a Central Processing Unit (CPU). The processor 801 may further include a hardware chip. The hardware chip may be an application-specific integrated circuit (ASIC), a Programmable Logic Device (PLD), or the like. The PLD may be a field-programmable gate array (FPGA), a General Array Logic (GAL), or the like. The processor 801 may also be a combination of the above structures.
In the embodiment of the present invention, the storage device 802 is used for storing a computer program, the computer program includes program instructions, and the processor 801 is used for executing the program instructions stored in the storage device 802, so as to implement the corresponding method steps in the above-mentioned embodiments.
In one embodiment, the processor 801 is configured to invoke the program instructions to perform:
when detecting that the loan of a loan user is overdue, acquiring the evidence-taking information of the loan user, wherein the evidence-taking information comprises the personal information of the loan user, the evidence-taking and payment information of the loan user and an evidence-taking and payment record;
generating a litigation request according to the evidence demonstration information of the loan user, wherein the litigation request comprises evidence demonstration data and personal information of the loan user;
and sending the litigation request to a notarization party so that the notarization party can respond to the litigation request, judging the litigation request according to the testification data and the loan data of the loan user stored in the block chain system, and generating a judgment result.
In one embodiment, the processor 801 is further configured to invoke the program instructions to perform:
obtaining loan data of any loan user, wherein the loan data comprises actual loan information of the loan user and actual repayment records of the loan user;
and storing the loan data of any loan user into a block chain system.
In one embodiment, the processor 801 is further configured to invoke the program instructions to perform:
and receiving the judgment result sent by the public trust party, and marking the loan user as a blacklist user when the judgment result indicates that the litigation request passes.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.
While the invention has been described with reference to a number of embodiments, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (10)
1. A data processing method, comprising:
receiving a litigation request sent by a loan platform, wherein the litigation request comprises evidence providing data and personal information of a loan user;
obtaining loan data of the loan user, which is deposited by the loan platform, from a block chain system according to the personal information of the loan user;
and generating a judgment result aiming at the litigation request according to a comparison result between the evidence demonstration data and the loan data, and storing the judgment result into the block chain system.
2. The method of claim 1,
the attestation data includes: the loan platform records the information of the loan user for the evidence and the payment of the loan user;
the loan data includes: and the loan platform records the actual loan information of the loan user and the actual repayment of the loan user.
3. The method of claim 2, wherein generating a decision for the litigation request based on the comparison between the attestation data and the loan data comprises:
comparing the evidence putting information with the actual putting information, and comparing the evidence repayment record with the actual repayment record to obtain a comparison result;
judging whether the evidence payment information is consistent with the actual payment information or not according to the comparison result, and whether the evidence payment record is consistent with the actual payment record or not;
if yes, generating a judgment result according to the evidence proving data and the personal information of the loan user through the litigation request;
and if not, generating a judgment result for rejecting the litigation request.
4. The method according to any one of claims 1-3, further comprising:
generating a decision book according to the decision result and the personal information of the loan user;
and pushing the judgment to the loan user through the registered account number of the loan user on the loan platform.
5. A data processing method, comprising:
when detecting that the loan of a loan user is overdue, acquiring the evidence-taking information of the loan user, wherein the evidence-taking information comprises the personal information of the loan user, the evidence-taking and payment information of the loan user and an evidence-taking and payment record;
generating a litigation request according to the evidence demonstration information of the loan user, wherein the litigation request comprises evidence demonstration data and personal information of the loan user;
and sending the litigation request to a notarization party so that the notarization party can respond to the litigation request, judging the litigation request according to the testification data and the loan data of the loan user stored in the block chain system, and generating a judgment result.
6. The method according to claim 5, wherein before the obtaining of the evidentiary information of the loan user when the loan of the loan user is detected to be overdue, the method further comprises:
obtaining loan data of any loan user, wherein the loan data comprises actual loan information of the loan user and actual repayment records of the loan user;
and storing the loan data of any loan user into a block chain system.
7. The method of claim 5 or 6, further comprising:
and receiving the judgment result sent by the public trust party, and marking the loan user as a blacklist user when the judgment result indicates that the litigation request passes.
8. A data processing apparatus, comprising:
the loan client side comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a litigation request sent by a loan platform, and the litigation request comprises attestation data and personal information of a loan user;
the obtaining unit is used for obtaining loan data of the loan user, which is deposited by the loan platform, from a block chain system according to the personal information of the loan user;
the generating unit is used for generating a judgment result aiming at the litigation request according to a comparison result between the evidence proving data and the loan data;
and the storage unit is used for storing the judgment result into the block chain system.
9. A server, comprising a processor and a storage device, the processor and the storage device being interconnected, wherein the storage device is configured to store computer program instructions, and the processor is configured to execute the program instructions to implement the data processing method of any one of claims 1-4 or the method of any one of claims 5-7.
10. A computer storage medium having stored therein first computer program instructions for execution by a processor for performing the data processing method of any one of claims 1-4; alternatively, the computer storage medium has stored therein second computer program instructions for executing the data processing method according to claims 5-7 when executed by a processor.
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