CN111131389B - Credit service platform and data management method thereof - Google Patents
Credit service platform and data management method thereof Download PDFInfo
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- CN111131389B CN111131389B CN201911167182.0A CN201911167182A CN111131389B CN 111131389 B CN111131389 B CN 111131389B CN 201911167182 A CN201911167182 A CN 201911167182A CN 111131389 B CN111131389 B CN 111131389B
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Abstract
The invention belongs to the technical field of credit business, in particular to a credit business service platform, which comprises a comprehensive service platform, a central processing end and a comprehensive user platform, wherein the comprehensive service platform comprises an investment financing submodule and a loan service submodule, the comprehensive user platform comprises a myAccount module, the system comprises an investment module and a borrowing module, wherein the investment financing sub-module comprises an investment financing control end and an investment financing data management end, the investment financing control end comprises a first verification module, the investment financing data management end comprises a first data storage module, the borrowing service sub-module comprises a borrowing control end and a borrowing data management end, the borrowing control end comprises a second verification module, and the borrowing data management end comprises a second data storage module.
Description
Technical Field
The invention belongs to the technical field of credit business, and particularly relates to a credit business service platform and a data management method thereof.
Background
A credit agency is an organization that specializes in credit business activities. It is located between the borrower and the lender and is the credit broker for both lenders. Credit is a special form of value movement conditioned on repayment, represented as a loan activity in the currency of a commodity. The old credit activity is a high interest credit generated at the end of the original society. With the development of the functions of commodity exchange and money payment, the business of money has gradually appeared, which is a precursor of the original credit institution and bank. In the period of slavery and enclosuring, currency has been a major development through business, but is not yet a credit agency in the modern sense. The original credit institution is difficult to meet the requirements of people, and the credit institution in the modern sense is born at the same time. The credit institution is embodied in the form of: banks, finance companies, trust companies, credit unions, etc. Financial instruments such as promissory notes, bank notes and checks are used by credit institutions for specific credit and financing activities.
The credit institution is realized by depending on a credit business service platform, and the existing part of the credit business service platforms do not realize the integration of investment financing and loan services and simultaneously cause the insufficient integration of data flows related to the investment financing and loan services, so the invention provides the credit business service platform and the data management method thereof to solve the problems.
Disclosure of Invention
The purpose of the invention is: the credit business service platform and the data management method thereof are provided to solve the problem that the existing part of credit business service platforms are not integrated with investment financing and loan services.
In order to achieve the technical purpose, the technical scheme adopted by the invention is as follows:
a credit business service platform comprises a comprehensive service platform, a central processing terminal and a comprehensive user platform, wherein the comprehensive service platform and the comprehensive user platform are communicated with the central processing terminal through network communication signals;
the investment financing sub-module comprises an investment financing control end and an investment financing data management end, the investment financing control end comprises a first verification module, the investment financing control end can read data information of the investment financing data management end, the first verification module is communicated with the account module through a central processing end, and the investment financing data management end comprises a first data storage module;
the loan service sub-module comprises a loan control end and a loan data management end, the loan control end comprises a second verification module, the loan control end can read data information of the loan data management end, the second verification module is communicated with the account module through a central processing end, and the loan data management end comprises a second data storage module;
the my investment module and the investment financing sub-module are communicated through a central processing terminal, and the my borrowing module and the borrowing service sub-module are communicated through the central processing terminal;
the user can enter user account information data and user identity information data through the registration submodule of the comprehensive user platform, the user can write the user account information data into the registration submodule of the comprehensive user platform, the first data storage module can store the user account information data, the user identity information data and the user investment data, and the second data storage module can store the user account information data, the user identity information data and the user loan data.
Further, the user account information data includes user account name information and user password information. In this way, the identity of the user can be made more clear and trusted.
Further defined, the user investment data includes investment financing data and profit-loss data. Therefore, the fund investment condition and the related income condition of the user in the investment and financing process can be saved, and the comprehensive service platform and the comprehensive user platform can inquire and reference together in real time.
Further, the user loan data includes user line data, user loan data and user repayment data. Therefore, the user borrowing amount and the user borrowing and repaying conditions in the borrowing process of the user can be stored, and the comprehensive service platform and the comprehensive user platform can inquire and refer together in real time.
A data management method of credit business service platform, user can carry on register and follow-up login through the said comprehensive user platform, produce the corresponding registration login data, user can carry on investment financing and loan operation after logging on, the said user registers and logs on the data management method and includes the following steps:
1) when a user registers, the user writes user account information data and user identity information data through the registration submodule, the my account module sends the user account information data and the user identity information data to the center processing end, the center processing end generates authorization certificate information data and first verification certificate information data and second verification certificate information data corresponding to the authorization certificate information data according to the received user account information data and user identity information data, the account data storage module stores the authorization certificate information data, the first data storage module of the investment financing data management end stores the first verification certificate information data, and the second data storage module of the loan data management end stores the second verification certificate information data and prompts the user to register successfully;
2) when a user logs in, the user writes user account information data through the login submodule, the account module sends corresponding authorization certificate information data in the account data storage module to a central processing end according to the written user account information data, and the central processing end verifies a first verification module of an investment and financing control end and a second verification module of a loan control end respectively according to the received authorization certificate information data;
the first verification module of the investment and financing control end reads the first verification certificate information data of the first data storage module, the second verification module of the loan control end reads the second verification certificate information data of the second data storage module, and verifies the authorization certificate information data with the first verification certificate information data and the second verification certificate information data respectively, and the following judgment is carried out:
A) if the authorization certificate information data are matched with the first verification certificate information data and the second verification certificate information data, prompting the user that the login is successful;
B) if the authorization certificate information data are not respectively matched with the first verification certificate information data and the second verification certificate information data, prompting the user that the login is failed;
3) after the user logs in the comprehensive user platform, the related investment financing operation is carried out through the investment module and corresponding user investment data are generated;
4) after a user logs in the comprehensive user platform, performing related borrowing operation through the borrowing module and generating corresponding user borrowing data;
further, when the user performs the investment financing operation of the step 3), the user investment data management method of the step 3) comprises the following steps:
3.1) the user performs related investment financing operation through the my investment module, and the my investment module generates a corresponding user investment request and sends the corresponding user investment request to the central processing terminal through the my investment module;
3.2) the central processing terminal processes the user investment request and sends the processed user investment request to the investment financing submodule, the investment financing submodule carries out corresponding operation by the investment financing control terminal according to the user investment request and generates corresponding current user investment data, the current user investment data is stored by the first data storage module and is transmitted back to the investment module for display by the investment financing control terminal through the central processing terminal;
3.3) the user performs investment query operation through the my investment module, and the my investment module generates a corresponding user investment query request and sends the request to the central processing terminal through the my investment module;
and 3.4) the central processing terminal processes the user investment query request and sends the processed user investment query request to the investment financing submodule, the investment financing control terminal reads corresponding historical user investment data in the first data storage module according to the user investment query request, and the investment financing control terminal transmits the historical user investment data back to the investment module for display through the central processing terminal.
Further, when the user performs the loan operation of step 4), the method for managing the loan data of the user of step 4) includes the following steps:
4.1) the user performs related borrowing operation through the borrowing module, and the borrowing module generates a corresponding user loan request and sends the user loan request to the central processing end through the borrowing module;
4.2) the central processing terminal sends the processed user loan request to the loan service submodule, the loan service submodule performs corresponding operation according to the user loan request by the loan control terminal and generates corresponding current user loan data, the second data storage module stores the corresponding current user loan data, and the loan control terminal transmits the current user loan data back to the borrowing module through the central processing terminal to be displayed;
4.3) the user performs borrowing query operation through the borrowing module, and the borrowing module generates a corresponding user borrowing query request and sends the request to the central processing end through the borrowing module;
4.4) the central processing end sends the processed user borrowing query request to the borrowing service sub-module, the borrowing service sub-module reads corresponding historical user borrowing data in the second data storage module through the borrowing control end according to the user borrowing query request, and the borrowing control end transmits the historical user borrowing data back to the self borrowing module through the central processing end to be displayed.
The invention solves the problem that the existing part of credit service platforms are not integrated with the investment financing and lending services.
Compared with the prior art, the invention has the following advantages:
1. can integrate the investment financing and lending services of the credit service platform, and is convenient for users to use
2. The data flow of the investment financing and lending service of the credit business service platform can be integrated, convenience is brought to users, and meanwhile data management and analysis in the platform are facilitated.
Drawings
The invention is further illustrated by the non-limiting examples given in the accompanying drawings;
FIG. 1 is a schematic diagram of a credit service platform and a data management method thereof according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of user registration data management of an embodiment of a credit service platform and a data management method thereof according to the present invention;
FIG. 3 is a schematic diagram illustrating a user login data management of a credit service platform and a data management method thereof according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a user login decision rule of an embodiment of a credit service platform and a data management method thereof according to the present invention;
FIG. 5 is a schematic diagram of user investment financing data management according to an embodiment of a credit service platform and a data management method thereof;
FIG. 6 is a schematic diagram of a credit service platform and a user loan data management method according to an embodiment of the invention;
Detailed Description
In order that those skilled in the art can better understand the present invention, the following technical solutions are further described with reference to the accompanying drawings and examples.
As shown in fig. 1-6, the credit service platform of the present invention includes a comprehensive service platform, a central processing end and a comprehensive user platform, both the comprehensive service platform and the comprehensive user platform communicate with the central processing end through network communication signals, the comprehensive service platform includes an investment financing sub-module and a loan service sub-module, the comprehensive user platform sequentially includes a my account module, a my investment module and a my loan module, the my account module includes a registration sub-module, a login sub-module and an account data storage module;
the investment financing submodule comprises an investment financing control end and an investment financing data management end, the investment financing control end comprises a first verification module, the investment financing control end can read data information of the investment financing data management end, the first verification module is communicated with the account module through a central processing end, and the investment financing data management end comprises a first data storage module;
the loan service sub-module comprises a loan control end and a loan data management end, the loan control end comprises a second verification module, the loan control end can read data information of the loan data management end, the second verification module is communicated with the account module through a central processing end, and the loan data management end comprises a second data storage module;
the investment module and the investment financing sub-module are communicated through a central processing terminal, and the borrowing module and the lending service sub-module are communicated through the central processing terminal;
the user can input user account information data and user identity information data through a registration sub-module of the comprehensive user platform, the user can write the user account information data through a login sub-module of the comprehensive user platform, the first data storage module can store the user account information data, the user identity information data and user investment data, and the second data storage module can store the user account information data, the user identity information data and user loan data.
Preferably, the user account information data includes user account name information and user password information. In this way, the identity of the user can be made more clear and trusted.
Preferably, the user investment data comprises investment financing data and profit and loss data. Therefore, the fund investment condition and the related income condition of the user in the investment and financing process can be saved, and the comprehensive service platform and the comprehensive user platform can inquire and reference together in real time.
Preferably, the user loan data comprises user quota data, user borrowing data and user repayment data. Therefore, the user borrowing amount and the user borrowing and repaying condition in the borrowing and lending process of the user can be stored, and the comprehensive service platform and the comprehensive user platform can inquire and refer together in real time.
A data management method of credit business service platform, user can carry on register and subsequent login through the comprehensive user platform, produce the corresponding registration login data, user can carry on investment financing and loan operation after logging on, the user registers the login data management method and includes the following steps:
1) when a user registers, the user writes user account information data and user identity information data through a registration sub-module, a myaccount module sends the user account information data and the user identity information data to a central processing end, the central processing end generates authorization certificate information data and first verification certificate information data and second verification certificate information data corresponding to the authorization certificate information data according to the received user account information data and user identity information data, an account data storage module stores the authorization certificate information data, a first data storage module of an investment financing data management end stores the first verification certificate information data, a second data storage module of a loan data management end stores the second verification certificate information data, and the user is prompted to register successfully;
2) when a user logs in, the user writes user account information data through a login submodule, a myAccount module sends corresponding authorization certificate information data in an account data storage module to a central processing end according to the written user account information data, and the central processing end verifies a first verification module of an investment and financing control end and a second verification module of a loan control end respectively according to the received authorization certificate information data;
a first verification module of the investment and financing control end reads first verification certificate information data of a first data storage module, a second verification module of the loan control end reads second verification certificate information data of a second data storage module, and verifies the authorization certificate information data with the first verification certificate information data and the second verification certificate information data respectively, and the following judgment is carried out:
A) if the authorization certificate information data are matched with the first verification certificate information data and the second verification certificate information data, prompting the user that the login is successful;
B) if the authorization certificate information data are not respectively matched with the first verification certificate information data and the second verification certificate information data, prompting the user that the login is failed;
3) after a user logs in the comprehensive user platform, relevant investment financing operation is carried out through the investment module, and corresponding user investment data are generated;
4) after a user logs in the comprehensive user platform, performing related borrowing operation through the borrowing module and generating corresponding user borrowing data;
preferably, when the user performs the investment financing operation of step 3), the user investment data management method of step 3) includes the following steps:
3.1) the user performs related investment financing operation through the my investment module, and the my investment module generates a corresponding user investment request and sends the user investment request to the central processing terminal through the my investment module;
3.2) the central processing terminal processes the user investment request and sends the processed user investment request to the investment financing submodule, the investment financing submodule carries out corresponding operation by the investment financing control terminal according to the user investment request and generates corresponding current user investment data, the current user investment data is stored by the first data storage module and is transmitted back to the investment module for display by the investment financing control terminal through the central processing terminal;
3.3) the user performs investment query operation through the my investment module, and the my investment module generates a corresponding user investment query request and sends the request to the central processing terminal through the my investment module;
and 3.4) the central processing terminal processes the user investment query request and sends the processed user investment query request to the investment financing submodule, the investment financing control terminal reads corresponding historical user investment data in the first data storage module according to the user investment query request, and the investment financing control terminal transmits the historical user investment data back to the investment module for display through the central processing terminal.
Preferably, when the user performs the loan operation of step 4), the user loan data management method of step 4) includes the steps of:
4.1) the user performs related borrowing operation through the borrowing module, and the borrowing module generates a corresponding user lending request and sends the user lending request to the central processing end through the borrowing module;
4.2) the central processing terminal sends the processed user loan request to the loan service submodule, the loan service submodule performs corresponding operation according to the user loan request by the loan control terminal and generates corresponding current user loan data, the second data storage module stores the corresponding current user loan data, and the loan control terminal transmits the current user loan data back to the borrowing module through the central processing terminal to be displayed;
4.3) the user performs borrowing query operation through the borrowing module, and the borrowing module generates a corresponding user borrowing query request and sends the request to the central processing end through the borrowing module;
4.4) the central processing end sends the processed user borrowing query request to the borrowing service sub-module, the borrowing service sub-module reads corresponding historical user borrowing data in the second data storage module according to the user borrowing query request, and the borrowing control end transmits the historical user borrowing data back to the borrowing module for display through the central processing end.
The invention solves the problem that the existing part of credit service platforms are not integrated with the investment financing and lending services.
The foregoing embodiments are merely illustrative of the principles of the present invention and its efficacy, and are not to be construed as limiting the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which may be made by those skilled in the art without departing from the spirit and scope of the present invention as defined in the appended claims.
Claims (3)
1. A data management method of a credit service platform, wherein the credit service platform comprises a comprehensive service platform, a central processing terminal and a comprehensive user platform, and is characterized in that: the comprehensive service platform and the comprehensive user platform are communicated with the central processing end through network communication signals, the comprehensive service platform comprises an investment financing sub-module and a lending service sub-module, the comprehensive user platform sequentially comprises a my account module, a my investment module and a my borrowing module, and the my account module comprises a registration sub-module, a login sub-module and an account data storage module;
the investment financing sub-module comprises an investment financing control end and an investment financing data management end, the investment financing control end comprises a first verification module, the investment financing control end can read data information of the investment financing data management end, the first verification module is communicated with the account module through a central processing end, and the investment financing data management end comprises a first data storage module;
the loan service sub-module comprises a loan control end and a loan data management end, the loan control end comprises a second verification module, the loan control end can read data information of the loan data management end, the second verification module is communicated with the account module through a central processing end, and the loan data management end comprises a second data storage module;
the my investment module and the investment financing sub-module are communicated through a central processing terminal, and the my borrowing module and the borrowing service sub-module are communicated through the central processing terminal;
the user can input user account information data and user identity information data through the registration submodule of the comprehensive user platform, the user can write the user account information data through the login submodule of the comprehensive user platform, the first data storage module can store the user account information data, the user identity information data and the user investment data, and the second data storage module can store the user account information data, the user identity information data and the user loan data;
the user account information data comprises user account name information and user password information; the user investment data comprises investment financing data and profit and loss data; the user borrowing and lending data comprises user limit data, user borrowing data and user repayment data;
the user can register and subsequently log in through the comprehensive user platform to generate corresponding registration login data, and the user can perform investment financing and loan operation after logging in, and the user registration login data management method comprises the following steps:
1) when a user registers, the user writes user account information data and user identity information data through the registration submodule, the my account module sends the user account information data and the user identity information data to the center processing end, the center processing end generates authorization certificate information data and first verification certificate information data and second verification certificate information data corresponding to the authorization certificate information data according to the received user account information data and user identity information data, the account data storage module stores the authorization certificate information data, the first data storage module of the investment financing data management end stores the first verification certificate information data, and the second data storage module of the loan data management end stores the second verification certificate information data and prompts the user to register successfully;
2) when a user logs in, the user writes user account information data through the login submodule, the account module sends corresponding authorization certificate information data in the account data storage module to a central processing end according to the written user account information data, and the central processing end verifies a first verification module of an investment and financing control end and a second verification module of a loan control end respectively according to the received authorization certificate information data;
the first verification module of the investment and financing control end reads the first verification certificate information data of the first data storage module, the second verification module of the loan control end reads the second verification certificate information data of the second data storage module, and verifies the authorization certificate information data with the first verification certificate information data and the second verification certificate information data respectively, and the following judgment is carried out:
A) if the authorization certificate information data are matched with the first verification certificate information data and the second verification certificate information data, prompting the user that the login is successful;
B) if the authorization certificate information data are not respectively matched with the first verification certificate information data and the second verification certificate information data, prompting the user that the login is failed;
3) after the user logs in the comprehensive user platform, the related investment financing operation is carried out through the investment module and corresponding user investment data are generated;
4) and after the user logs in the comprehensive user platform, the relevant borrowing operation is carried out through the borrowing module and corresponding user borrowing data are generated.
2. The data management method of the credit service platform according to claim 1, wherein: when the user performs the investment financing operation of the step 3), the user investment data management method of the step 3) comprises the following steps:
3.1) the user performs related investment financing operation through the my investment module, and the my investment module generates a corresponding user investment request and sends the user investment request to the central processing terminal through the my investment module;
3.2) the central processing terminal processes the user investment request and sends the processed user investment request to the investment financing submodule, the investment financing submodule carries out corresponding operation by the investment financing control terminal according to the user investment request and generates corresponding current user investment data, the current user investment data is stored by the first data storage module and is transmitted back to the investment module for display by the investment financing control terminal through the central processing terminal;
3.3) the user carries out investment inquiry operation through the my investment module, and the my investment module can generate a corresponding user investment inquiry request and send the corresponding user investment inquiry request to the central processing end through the my investment module;
and 3.4) the central processing terminal processes the user investment query request and sends the processed user investment query request to the investment financing submodule, the investment financing control terminal reads corresponding historical user investment data in the first data storage module according to the user investment query request, and the investment financing control terminal transmits the historical user investment data back to the investment module for display through the central processing terminal.
3. The data management method of the credit service platform according to claim 2, wherein: when the user performs the loan operation of the step 4), the user loan data management method of the step 4) includes the following steps:
4.1) the user performs related borrowing operation through the borrowing module, and the borrowing module generates a corresponding user loan request and sends the user loan request to the central processing end through the borrowing module;
4.2) the central processing terminal sends the processed user loan request to the loan service submodule, the loan service submodule performs corresponding operation according to the user loan request by the loan control terminal and generates corresponding current user loan data, the second data storage module stores the corresponding current user loan data, and the loan control terminal transmits the current user loan data back to the borrowing module through the central processing terminal to be displayed;
4.3) the user performs borrowing query operation through the borrowing module, and the borrowing module generates a corresponding user borrowing query request and sends the request to the central processing end through the borrowing module;
4.4) the central processing end sends the processed user borrowing query request to the borrowing service sub-module, the borrowing service sub-module reads corresponding historical user borrowing data in the second data storage module according to the user borrowing query request, and the borrowing control end transmits the historical user borrowing data back to the borrowing module for display through the central processing end.
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