CN111461891A

CN111461891A - Order approval system, method, computer equipment and storage medium

Info

Publication number: CN111461891A
Application number: CN202010235159.7A
Authority: CN
Inventors: 夏绍伟; 陶运坤; 王利华
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2020-03-30
Filing date: 2020-03-30
Publication date: 2020-07-28

Abstract

The present disclosure discloses a system, a method, a computer device and a storage medium for order approval, wherein the system comprises: the instruction receiving module is used for receiving an application instruction sent by the terminal and sending the application instruction to the instruction processing module; the instruction processing module is used for generating an approval order, wherein the approval order comprises order information of at least one product order of a user corresponding to the terminal; and the approval result acquisition module is used for carrying out order approval on each product order in the approval orders according to at least two order evaluation indexes of the user to obtain the approval result of each product order. By the scheme, orders of a plurality of products can be approved at the same time, so that the efficiency of examining and approving the orders of the products is improved under the actual scene that the products need to be purchased on the premise that the accuracy of examining and approving the orders of the products is guaranteed.

Description

Order approval system, method, computer equipment and storage medium

Technical Field

The present disclosure relates to the field of internet financial technologies, and in particular, to a system, a method, a computer device, and a storage medium for order approval.

Background

Nowadays, with the increasing development of the internet financial technology field, users need to evaluate the risks of the internet financial platform and the users according to business orders to ensure the benefits of the internet financial platform and the users while performing businesses such as fund financing, payment and investment through the internet.

In the related art, a user opens a financial product, a system background of the financial product needs to approve basic information of the user, and the risk that the user opens the financial product is judged according to an approval result. And when the risk that the financial product is opened by the user is judged to be small, the financial product is approved and passed, otherwise, the financial product is not approved and passed.

However, according to the solutions in the related art, each time the user opens a financial product, the user performs order approval, which causes redundant steps for order approval when the user opens the financial product, and thus the efficiency of order approval is not high.

Disclosure of Invention

According to a first aspect of the embodiments of the present disclosure, there is provided an order approval system, which includes:

the instruction receiving module is used for receiving an application instruction sent by a terminal and sending the application instruction to the instruction processing module;

the instruction processing module is used for generating an approval order according to the received application instruction, wherein the approval order comprises order information of at least one product order of the user corresponding to the terminal;

and the approval result acquisition module is used for carrying out order approval on each product order in the approval orders acquired from the instruction processing module according to at least two order evaluation indexes of the user to obtain an approval result of each product order.

Optionally, the system further includes:

the data acquisition module is used for acquiring the evaluation data of the user before carrying out order approval on each product order in the approved orders according to at least two order evaluation indexes of the user and obtaining the approval result of each product order;

and the index determining module is used for determining the at least two order evaluation indexes of the user according to the evaluation data acquired from the data acquiring module.

Optionally, the order evaluation index includes a fraud index, and the evaluation data includes at least one of user real name data, device data, and fingerprint data.

Optionally, the order evaluation index includes a credit index, and the evaluation data includes at least one of historical consumption data, user credit data, and user behavior data.

Optionally, the approval result obtaining module includes:

the order score acquisition sub-module is used for acquiring the approval scores of the product orders according to the product types corresponding to the product orders and the at least two order evaluation indexes;

and the result acquisition submodule is used for acquiring the approval result of the product order according to the approval score and the score threshold value acquired from the order score acquisition submodule.

Optionally, the approval result obtaining module further includes:

and the product score acquisition sub-module is used for acquiring the approval score corresponding to the product type before the result acquisition sub-module acquires the approval result of the product order according to the approval score and the score threshold.

Optionally, the system further includes:

the result storage module is used for storing the approval result of each product order obtained from the approval result acquisition module into a corresponding product database;

the result calling module is used for responding to a received inquiry instruction which is sent by the terminal and corresponds to the product order and acquiring an approval result of the product order from a database of a product corresponding to the product order;

and the result returning module is used for returning the approval result called by the result calling module to the terminal.

Optionally, the score of the order evaluation index is positively correlated with the probability that the approval result of the product order is approved.

According to a second aspect of the embodiments of the present disclosure, there is provided an order approval method, wherein the method includes:

receiving an application instruction sent by a terminal;

generating an approval order according to the received application instruction, wherein the approval order comprises order information of at least one product order of the user corresponding to the terminal;

and carrying out order approval on each product order in the approved orders according to the at least two order evaluation indexes of the user to obtain an approval result of each product order.

Optionally, before performing order approval on each product order in the approved orders according to at least two order evaluation indexes of the user and obtaining approval results of each product order, the method further includes:

acquiring evaluation data of the user;

and determining the at least two order evaluation indexes of the user according to the evaluation data.

Optionally, the performing order approval on each product order in the approved orders according to at least two order evaluation indexes of the user to obtain an approval result of each product order includes:

obtaining an approval score of the product order according to the product type corresponding to the product order and the at least two order evaluation indexes;

and obtaining an approval result of the product order according to the approval score and the score threshold value.

Optionally, before obtaining the approval result of the product order according to the approval score and the score threshold, the method further includes:

and acquiring the approval scores corresponding to the product types.

Optionally, the method further includes:

storing the approval results of the product orders into a corresponding product database;

responding to a received query instruction which is sent by the terminal and corresponds to the product order, and acquiring an approval result of the product order from a database of a product corresponding to the product order;

and returning the approval result to the terminal.

According to a third aspect of embodiments of the present disclosure, there is provided a computer device comprising a processor and a memory, the memory having stored therein at least one instruction, at least one program, set of codes, or set of instructions, which is loaded and executed by the processor to implement the steps of the system for order approval as described above.

According to a fourth aspect of embodiments of the present disclosure, there is provided a computer readable storage medium having stored therein at least one instruction, at least one program, set of codes, or set of instructions, which is loaded and executed by a processor to implement the steps performed by the system for order approval described above.

The technical scheme provided by the embodiment of the disclosure can have the following beneficial effects:

firstly, an instruction receiving module receives an application instruction sent by a terminal, the application instruction is sent to an instruction processing module, then, the instruction processing module generates an approval order, wherein the approval order comprises order information of at least one product order of a user corresponding to the terminal, and finally, an approval result acquisition module carries out order approval on each product order in the approval order according to at least two order evaluation indexes of the user to obtain an approval result of each product order. By the scheme, orders of a plurality of products can be approved at the same time, so that the efficiency of examining and approving the orders of the products is improved under the actual scene that the products need to be purchased on the premise that the accuracy of examining and approving the orders of the products is guaranteed.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure.

FIG. 1 is a schematic diagram of an order approval system according to an embodiment;

FIG. 2 is a schematic diagram illustrating a method of order approval in accordance with an exemplary embodiment;

FIG. 3 is an interactive flow diagram illustrating a system for order approval in accordance with an exemplary embodiment;

FIG. 4 is an interactive flow diagram illustrating a system for order approval in accordance with another exemplary embodiment;

FIG. 5 is a schematic diagram of an approval order generation process according to the embodiment shown in FIG. 4;

FIG. 6 is a schematic diagram of an approval result generation process according to the embodiment shown in FIG. 4;

FIG. 7 is a diagram illustrating an approval result storage process according to the embodiment shown in FIG. 4;

FIG. 8 is a schematic diagram of an approval result deployment process according to the embodiment of FIG. 4;

FIG. 9 is a flow diagram illustrating a method of order approval in accordance with an exemplary embodiment;

FIG. 10 is a block diagram illustrating an order approval apparatus according to an exemplary embodiment;

fig. 11 shows a block diagram of a server according to an exemplary embodiment of the present disclosure.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

It is to be understood that reference herein to "a number" means one or more and "a plurality" means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship.

For convenience of understanding, terms referred to in the embodiments of the present disclosure are explained below.

1) Internet finance

The internet finance is a novel financial business mode for realizing fund integration, payment, investment and information intermediary service by using the internet technology and the information communication technology by traditional financial institutions and internet enterprises. Internet finance is not a simple combination of internet and financial industry, but a new mode and a new service which are generated for adapting to new requirements naturally after being familiar and accepted by users, particularly the acceptance of electronic commerce, on the level of realizing network technologies such as security, mobility and the like. Is an emerging field combining the traditional financial industry and the internet technology.

FIG. 1 is a schematic diagram illustrating an ordering system according to an exemplary embodiment. The order system includes a client 110, at least one product server 120, and an approval server 130.

The user may enter a purchase instruction on the client terminal 110 to purchase the corresponding respective product in the product server 120. The user may also input a query instruction on the client 110 to obtain an order approval result of each product, and the order approval result is displayed on the display interface of the client 110.

Alternatively, the client 110 may be implemented on a terminal.

The at least one product server 120 includes product information and user information of corresponding products.

The approval server 130 may include a memory that may be used to store the risk approval results for each product.

The client terminal 110 may be located on a terminal having a data transmission function and an interface display function, and may perform data transmission with the product server 120 through a wired or wireless network.

The approval server 130 may communicate data with the product server 120 via a wired or wireless network.

The product server 120 and the approval server 130 may be a single server, or may be a server cluster composed of several servers, or may include one or more virtualization platforms, or may be a cloud computing service center.

The Network is typically the Internet, but may be any Network including, but not limited to, any combination of a local Area Network (L cal Area Network, L AN), a Metropolitan Area Network (MAN), a Wide Area Network (WAN), a mobile, wireless Network, a Private Network, or a Virtual Private Network.

FIG. 2 is a schematic diagram illustrating a method of order approval in accordance with an exemplary embodiment. As shown in fig. 2, the order approval method includes the following steps:

in step 201, the approval factory receives the approval request and generates an approval order.

In a possible implementation mode, a user submits a request for applying a product list at a platform entrance, and after receiving the request, an approval factory portal converts and encapsulates user information, equipment information, authorization protocol information signed by the user and the platform, and the like in the request and carries out structured processing, so that an approval order is generated.

In step 202, a product approval process is initiated in the order.

In a possible implementation manner, an approval factory starts an approval process of each product according to a product to be produced in an approval order, wherein the approval process is mainly used for carrying out order risk assessment on a user based on a fraud dimension and a credit dimension, and finally outputting an approval result.

In the aspect of fraud dimensionality, fraud scores are finally obtained by collecting information such as real-name data, equipment data and pattern data of a user in real time according to a certain rule strategy. The fraud score is used to determine whether the user has fraud and as a criterion for determining whether each product is at risk for fraud.

In the aspect of credit dimensionality, credit scores are finally obtained by collecting credit data of a user, historical consumption data and behavior data, or credit data of a third party and the like in real time according to a certain rule strategy, and the credit scores are used for judging whether the credit of the user is good or bad and serve as a judgment standard for judging whether each product has credit risk.

And finally, giving a final approval result according to the characteristics of each product and the fraud score and the credit score of the user according to a certain strategy.

In step 203, the results of each product approval are persisted.

In one possible implementation, the approval results of each product are stored in a database respectively to facilitate subsequent query, statistics, and result distribution.

In step 204, the deployment center notifies the associated party of the approval result.

In one possible implementation, the deployment center is mainly responsible for result scheduling, and notifies the final approval results of each product to each upstream product system.

FIG. 3 is an interactive flow diagram illustrating a system for order approval, as shown in FIG. 3, which may be comprised of a plurality of modules to approve at least one product order, according to an exemplary embodiment; the order approval system may be implemented as part of the system shown in fig. 1, for example, a plurality of modules in the order approval system may be implemented as functional modules in a server on the network side. As shown in FIG. 3, the interactive flow of the order approval system may include the following steps:

in step 301, the instruction receiving module receives an application instruction sent by the terminal, and sends the application instruction to the instruction processing module.

In the embodiment of the disclosure, the approval server may receive an application instruction including at least one of product information and user information, which is sent by the terminal.

The application instruction may be an instruction generated by a user through manual input or selection on the terminal platform, or an instruction automatically generated by the terminal platform according to actual information of the user.

Optionally, the application instruction may include product information of at least one product, and the product information may include at least one of product name information, product attribute information, and product compatibility information.

Optionally, the application instruction may include at least one type of user information, and the user information may include at least one of authorization information of the user and each product platform, and user basic information.

In step 302, the instruction processing module generates an approval order according to the received application instruction, where the approval order includes order information of at least one product order of the user corresponding to the terminal.

In the embodiment of the disclosure, the approval server may generate the approval order according to the received application instruction containing at least one of the product information and the user information.

Optionally, the approved order may be an order generated by a part of the products in the application instruction, or an order generated by all the products in the application instruction.

Optionally, the order information may be used to indicate product information and user information for each product order for which order approval is required.

The approval order can be generated by converting, packaging and structuring the basic information of the user, the product information, the authorization information of the user and each product platform and the like.

In step 303, the approval result obtaining module performs order approval on each of the approved orders obtained from the instruction processing module according to at least two order evaluation indexes of the user, so as to obtain an approval result of each of the product orders.

Optionally, the system further comprises:

the data acquisition module acquires the evaluation data of the user before carrying out order approval on each product order in the approved orders according to at least two order evaluation indexes of the user and acquiring the approval result of each product order;

the index determining module determines the at least two order evaluation indexes of the user according to the evaluation data acquired from the data acquiring module.

Optionally, the order evaluation indicator comprises a fraud indicator, and the evaluation data comprises at least one of user real name data, device data, and fingerprint data.

Optionally, the order evaluation index comprises a credit index, and the evaluation data comprises at least one of historical consumption data, user credit data, and user behavior data.

Optionally, the approval result obtaining module includes:

the order score acquisition sub-module acquires the approval score of the product order according to the product type corresponding to the product order and the at least two order evaluation indexes;

and the result acquisition submodule acquires an approval result of the product order according to the approval score and the score threshold value acquired from the order score acquisition submodule.

Optionally, the system further comprises:

and the product score acquisition sub-module acquires the approval score corresponding to the product type before acquiring the approval result of the product order according to the approval score and the score threshold.

Optionally, the system further comprises:

the result storage module stores the approval result of each product order obtained from the approval result acquisition module into a corresponding product database;

in response to receiving a query instruction which is sent by the terminal and corresponds to the product order, the result calling module acquires an approval result of the product order from a database of a product corresponding to the product order;

and the result returning module returns the approval result called by the result calling module to the terminal.

In summary, in the order approval system provided in this embodiment of the present disclosure, the instruction receiving module first receives an application instruction sent by the terminal, sends the application instruction to the instruction processing module, then the instruction processing module generates an approval order, where the approval order includes order information of at least one product order of a user corresponding to the terminal, and finally the approval result obtaining module performs order approval on each product order in the approval order according to at least two order evaluation indexes of the user, so as to obtain an approval result of each product order. By the scheme, orders of a plurality of products can be approved at the same time, so that the efficiency of examining and approving the orders of the products is improved under the actual scene that the products need to be purchased on the premise that the accuracy of examining and approving the orders of the products is guaranteed.

FIG. 4 is an interactive flow diagram illustrating a system for order approval, as shown in FIG. 4, which may be comprised of a plurality of modules to approve at least one product order, according to another exemplary embodiment; the order approval system may be implemented as part of the system shown in fig. 1, for example, a plurality of modules in the order approval system may be implemented as functional modules in a server on the network side. As shown in FIG. 4, the interactive flow of the order approval system may include the following steps:

in step 401, the instruction receiving module receives an application instruction sent by the terminal, and sends the application instruction to the instruction processing module.

In the embodiment of the disclosure, a user may submit an approval request of at least one product as an application instruction at a terminal platform portal, and an approval server may receive the application instruction sent by a terminal operated by the user.

Optionally, the terminal operated by the user may perform data transmission with a server of at least one product.

For example, in the internet finance scenario, the products requiring application approval may include any one of a life-time product, a purchase order product, a staging product, and a business loan product.

Alternatively, the background server of different kinds of products may be one server or a plurality of servers.

For example, in a specific internet financial scenario, when a user needs to apply for using multiple financial products at the same time, the user may obtain corresponding product information and user information from a corresponding product backend server by selecting or inputting a financial product name that needs to be applied and approved in a platform portal of a terminal, generate a corresponding application instruction, and obtain the corresponding application instruction sent from the terminal by an instruction receiving module.

In step 402, the instruction processing module generates an approval order according to the received application instruction.

In the embodiment of the disclosure, the instruction processing module receives the application instruction sent by the terminal, and can perform structural processing on the user information, the product information and the like contained in the application instruction to generate an approval order corresponding to the application instruction.

Alternatively, the product that the instruction processing module approves may be a financial credit product. The financial credit product forms an application instruction of a corresponding product by the user terminal based on the order model, and generates an approval order containing the corresponding product by the instruction processing module.

The approval order may include order information of at least one product order of the user corresponding to the terminal.

For example, fig. 5 is a schematic diagram of an approval order generation process according to an embodiment of the present disclosure. As shown in fig. 5, on the terminal side operated by the user, the user can enter and acquire a product system including any one or more of a life charge product, a purchase order product, an installment product and a business loan product through a platform portal of the terminal, and the user generates an approval request corresponding to the selected product by selecting a product therein. When a user purchases a commodity on the Internet and carries out transaction payment, the user needs to select a purchase order product and a staged product to complete transaction together, at the moment, the user can simultaneously select the purchase order product and the staged product at a platform entrance of a terminal, the terminal simultaneously enters background systems of the two products, product information and user information of the two products are obtained, a corresponding application instruction is generated, the application instruction can be sent to an instruction processing module, and an approval order is generated by the instruction processing module.

In step 403, the data acquisition module acquires evaluation data of the user.

In the embodiment of the present disclosure, the data obtaining module may obtain, through the determined approval order, the evaluation data of the user corresponding to the approval order.

Alternatively, the user's assessment data may be divided into two dimensions, a fraud dimension or a credit dimension, respectively.

Wherein the evaluation data of the fraud dimension may include at least one of user real name data, device data, and fingerprint data.

Additionally, the assessment data for the credit dimension may include at least one of historical consumption data, user credit investigation data, and user behavior data.

Optionally, the evaluation data of the user may be stored in the user terminal, and collected and updated periodically, when the user applies for approval, the evaluation information of the user is retrieved from the memory, added to the application instruction, and sent to the approval server, and the approval server may obtain the evaluation information of the user from the application instruction.

Alternatively, the first and second electrodes may be,

when the user applies for approval, the user terminal can collect the evaluation data of the user in real time, add the evaluation data into the application instruction and send the application instruction to the approval server, and the approval server can obtain the evaluation information of the user from the application instruction.

In step 404, the index determination module determines the at least two order evaluation indexes of the user according to the evaluation data obtained from the data obtaining module.

In the embodiment of the disclosure, the index determining module determines the order evaluation indexes corresponding to various evaluation data according to the evaluation data in the approved order.

Alternatively, the order evaluation metrics may include fraud metrics and credit metrics.

The index determining module can determine the fraud index of the user according to at least one of the real-name data, the equipment data and the fingerprint data of the user. The indicator determination module may determine a credit indicator for the user based on at least one of historical consumption data, user credit investigation data, and user behavior data.

In step 405, the order score obtaining sub-module obtains an approval score of the product order according to the product type corresponding to the product order and the at least two order evaluation indexes.

Optionally, the order score obtaining sub-module obtains the approval score corresponding to the product type.

The determination methods of the approval scores corresponding to the products of different product types may be different or the same.

Optionally, the method for determining the approval score may be that the approval score of the fraud index is obtained by calculating according to the preset weight according to the evaluation data in the fraud index, and the approval score of the credit index is obtained by calculating according to the preset weight according to the evaluation data in the credit index, and the approval server may combine the approval score of the fraud index and the approval score of the credit index in a certain proportion to obtain the corresponding approval score of the product.

Alternatively, the first and second electrodes may be,

the approval score determining method may be that the approval server calculates each obtained evaluation data according to a corresponding preset weight, and directly obtains an approval score corresponding to the product.

The preset weight can be set by manufacturers of various products according to the attributes and requirements of the products, and the preset weight corresponding to various evaluation data in different types of products can be the same or different.

Optionally, the score of the order evaluation index is positively correlated with the probability of passing the approval of the product order.

The higher the approval score of the order evaluation index is, the higher the probability that the approval of the product order is passed is, and on the contrary, the lower the approval score of the order evaluation index is, the lower the probability that the approval of the product order is passed is.

In step 406, the result obtaining sub-module obtains an approval result of the product order according to the approval score and the score threshold obtained from the order score obtaining sub-module.

In the embodiment of the disclosure, the result obtaining sub-module may obtain an approval result of the product order according to the calculated approval score and a score threshold preset in the approval server.

Optionally, the setting of the score threshold may be different for different product types, and the result obtaining sub-module may differentiate the score threshold of the approval score according to the attribute requirements of each product.

And determining that the approval result of the product fails in response to the approval score of the product being lower than the approval standard, or determining that the approval result of the product passes in response to the approval score of the product being higher than the approval standard.

The approval standard may be a rule preset in the result obtaining sub-module for evaluation.

For example, if the score threshold full score of the approval score is 100, the score may be "poor" when the score is less than 50, the score may be "poor" when the score is between 50 and 60, the score may be "good" when the score is between 60 and 80, the score may be "good" when the score is 80 to 90, and the score may be "excellent" when the score is 90 to 100. The approval score threshold value is set according to the above, if the product type is a classified product, the approval score of the classified product can be set to be in a good range or above, and the approval of the product can be passed because the transaction amount value related to the attribute of the classified product is moderate and generally does not relate to the high transaction amount. If the product type is business credit type product, the business credit type product relates to a larger transaction amount, and generally relates to a higher transaction amount, so that the approval of the product can be passed when the approval score of the business credit type product is set in a better range or above.

Optionally, the approval order generated by the instruction processing module may include at least one product that needs to be approved, and the result obtaining sub-module may obtain the approval results of each product in the approval order.

For example, fig. 6 is a schematic diagram of an approval result generation process according to an embodiment of the present disclosure. As shown in fig. 6, the rule engine and the model engine in the result obtaining sub-module may calculate the approval score of the fraud indicator in real time according to the user real-name data, the device data and the fingerprint data in the obtained approval order according to the preset weight, calculate the approval score of the credit indicator in real time according to the historical consumption data, the user credit investigation data and the user behavior data according to the preset weight, and compare the approval scores according to the score threshold of the approval scores of the products to obtain the approval result of the life charge product, the approval result of the purchase order product, the approval result of the installment product and the approval result of the business credit product in the approval order.

Optionally, the approval result of each product in the approval order determined by the result obtaining sub-module may be directly sent to the corresponding user terminal, and the user views the examination result of each product.

In step 407, the result storage module stores the approval results of each product order in the corresponding product database.

In an embodiment of the disclosure, the result storage module may store the approval results for each product in the approval order in a database in the approval server.

Optionally, the approval results of different products may be stored in corresponding different databases.

For example, fig. 7 is a schematic diagram of an approval result storage process according to an embodiment of the present disclosure. As shown in fig. 7, the approval results of the life fee products in the approval order may be stored in a life fee approval order library, the approval results of the purchase order products may be stored in a purchase order approval order library, the approval results of the business loan products may be stored in a business loan approval order library, and the approval results of the installment products may be stored in an installment approval order library. And the order library of each product stores the approval results of products corresponding to the applications of each user.

In addition, the database corresponding to each product in the approval server can facilitate subsequent inquiry of the approval result of the corresponding product applied by the subsequent corresponding user, statistics of each product user and subsequent distribution of the approval result.

In step 408, in response to the result retrieving module receiving the query instruction corresponding to the product order sent by the terminal, the result retrieving module obtains the approval result of the product order from the database of the product corresponding to the product order.

In the embodiment of the disclosure, when a user needs to query an approval result of each product applied by the user, the user may send a query instruction of a corresponding product to the result retrieving module at the terminal, and the result retrieving module obtains the basic information of the user and the basic information of the product in the query instruction, queries the database of the corresponding product, and queries the approval result of the corresponding user from the corresponding database to obtain an audit result of the product order.

Optionally, the query instruction may include at least one of basic information of the user and basic information of the product.

The basic information of the product can be used for inquiring a database which is used for storing the product approval result and is arranged in the approval server; the basic information of the user can be used for inquiring the approval result applied by the user in the corresponding product database.

Optionally, the terminal may generate the query instruction passively by the terminal when the user does not apply for the corresponding product for the first time, or actively by the user when the user needs to query the approval result of the corresponding product once applied.

In step 409, the result returning module returns the approval result to the terminal.

In the embodiment of the disclosure, the result returning module sends the corresponding approval result to the user terminal according to the query instruction.

When the user does not apply for the corresponding product for the first time, the terminal passively generates a query instruction and sends the query instruction to the approval server, and the corresponding approval result obtained by the approval server is returned to the terminal. The terminal sends an approval result to a product system of a corresponding product, and if the approval result is approval pass, the user successfully applies for the corresponding product; and if the approval result is that the approval is not passed, the user fails to apply for the corresponding product.

For example, fig. 8 is a schematic diagram of an approval result deployment process according to an embodiment of the present disclosure. As shown in fig. 8, when the user does not apply for the life fee product, the purchase order product and the business loan product for the first time, the terminal sends a query instruction containing basic information of the three products and the basic information of the user to the approval server, the approval server can obtain the approval result of the user from the life fee approval order library, the purchase order approval order library and the business loan approval order library respectively according to the query instruction, the approval result of the life fee product can be sent to the life fee product system through the deployment center in the approval server, the approval result of the purchase order product is sent to the purchase order product system, and the approval result of the business loan product is sent to the business loan product system. If the approval result received by the product system is passed, the product system will pass the application of the user to the product, and if the approval received by the product system is failed, the product system will refuse the application of the user to the product.

FIG. 9 is a flowchart illustrating a method of order approval according to an exemplary embodiment, which may be implemented by an approval server for approving at least one product order, as shown in FIG. 1. As shown in fig. 9, the order approval method may include the steps of:

in step 901, an application instruction transmitted by a terminal is received.

In step 902, an approval order is generated according to the received application instruction, where the approval order includes order information of at least one product order of the user corresponding to the terminal.

In step 903, an order approval is performed on each product order in the approved orders according to at least two order evaluation indexes of the user, and an approval result of each product order is obtained.

acquiring evaluation data of the user;

determining the at least two order evaluation indicators of the user based on the evaluation data.

and obtaining an approval result of the product order according to the approval score and the score threshold.

and acquiring the approval score corresponding to the product type.

Optionally, the method further includes:

storing the approval result of each product order in a corresponding product database;

and returning the approval result to the terminal.

In summary, in the order approval method provided in this embodiment of the present disclosure, an application instruction sent by a terminal is received, an approval order is generated according to the received application instruction, where the approval order includes order information of at least one product order of a user corresponding to the terminal, and finally, an order approval is performed on each product order in the approval order according to at least two order evaluation indexes of the user, so as to obtain an approval result of each product order. By the scheme, the approval server can approve orders of a plurality of products at the same time, so that the approval efficiency of the orders of the products is improved under the actual scene that the products are required to be purchased on the premise that the approval accuracy of the orders of the products is guaranteed.

FIG. 10 is a block diagram illustrating an order approval apparatus, which may be implemented as part or all of an approval server in the system shown in FIG. 1, to approve at least one product order, according to an exemplary embodiment. As shown in fig. 10, the order approval apparatus may include:

an instruction receiving unit 1010, configured to receive an application instruction sent by a terminal, and send the application instruction to an instruction processing unit;

an instruction processing unit 1020, configured to generate an approval order according to the received application instruction, where the approval order includes order information of at least one product order of a user corresponding to the terminal;

an approval result obtaining unit 1030, configured to perform order approval on each of the approved orders obtained from the instruction processing module according to at least two order evaluation indexes of the user, so as to obtain an approval result of each of the product orders.

Optionally, the apparatus further comprises:

the data acquisition unit acquires the evaluation data of the user before carrying out order approval on each product order in the approved orders according to at least two order evaluation indexes of the user and acquiring the approval result of each product order;

an index determination unit determines the at least two order evaluation indexes of the user based on the evaluation data acquired from the data acquisition unit.

Optionally, the approval result obtaining unit 1030 includes:

the order score obtaining subunit obtains an approval score of the product order according to the product type corresponding to the product order and the at least two order evaluation indexes;

and the result acquisition subunit acquires the approval result of the product order according to the approval score and the score threshold value acquired by the order score acquisition subunit.

Optionally, the system further includes:

and the product score obtaining subunit obtains the approval score corresponding to the product type before obtaining the approval result of the product order according to the approval score and the score threshold.

Optionally, the system further includes:

the result storage unit stores the approval result of each product order obtained from the approval result acquisition unit into a corresponding product database;

in response to receiving a query instruction which is sent by the terminal and corresponds to the product order, the result calling unit obtains an approval result of the product order from a database of a product corresponding to the product order;

and the result returning unit returns the approval result called by the result calling unit to the terminal.

An exemplary embodiment of the present disclosure provides an order approval apparatus, which may be implemented as part or all of an approval server in the system shown in fig. 1 to approve at least one product order. The order approval apparatus further comprises: a processor, a memory for storing processor-executable instructions;

wherein the processor is configured to:

receiving an application instruction sent by a terminal;

acquiring evaluation data of the user;

and acquiring the approval scores corresponding to the product types.

Optionally, the method further includes:

and returning the approval result to the terminal.

Fig. 11 is a schematic diagram illustrating a configuration of a server according to an example embodiment. The server 1100 includes a Central Processing Unit (CPU) 1101, a system Memory 1104 including a Random Access Memory (RAM) 1102 and a Read-Only Memory (ROM) 1103, and a system bus 1105 connecting the system Memory 1104 and the CPU 1101. The server 1100 also includes a basic Input/Output system (I/O system) 1106, which facilitates transfer of information between devices within the server, and a mass storage device 1107 for storing an operating system 1113, application programs 1114, and other program modules 1115.

The basic input/output system 1106 includes a display 1108 for displaying information and an input device 1109 such as a mouse, keyboard, etc. for user input of information. Wherein the display 1108 and input device 1109 are connected to the central processing unit 1101 through an input output controller 1110 connected to the system bus 1105. The basic input/output system 1106 may also include an input/output controller 1110 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, input-output controller 1110 also provides output to a display screen, a printer, or other type of output device.

The mass storage device 1107 is connected to the central processing unit 1101 through a mass storage controller (not shown) that is connected to the system bus 1105. The mass storage device 1107 and its associated computer device-readable media provide non-volatile storage for the server 1100. That is, the mass storage device 1107 may include a computer device-readable medium (not shown) such as a hard disk or Compact disk-Only Memory (CD-ROM) drive.

Without loss of generality, the computer device readable media may comprise computer device storage media and communication media. Computer device storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer device readable instructions, data structures, program modules or other data. Computer device storage media includes RAM, ROM, Erasable Programmable Read-Only Memory (EPROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), CD-ROM, Digital Video Disk (DVD), or other optical, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will appreciate that the computer device storage media is not limited to the foregoing. The system memory 1104 and mass storage device 1107 described above may be collectively referred to as memory.

The server 1100 may also operate in accordance with various embodiments of the present disclosure by connecting to remote computer devices over a network, such as the internet. That is, the server 1100 may connect to the network 1112 through the network interface unit 1111 that is connected to the system bus 1105, or may connect to other types of networks or remote computer device systems (not shown) using the network interface unit 1111.

The memory further includes one or more programs, the one or more programs are stored in the memory, and the central processing unit 1101 implements all or part of the steps of the method shown in fig. 3 or fig. 4 by executing the one or more programs.

Those skilled in the art will recognize that, in one or more of the examples described above, the functions described in embodiments of the disclosure may be implemented in hardware, software, firmware, or any combination thereof. When implemented in software, the functions may be stored on or transmitted over as one or more instructions or code on a computer-device-readable medium. Computer device readable media includes both computer device storage media and communication media including any medium that facilitates transfer of a computer device program from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer device.

The disclosed embodiment also provides a computer device storage medium for storing computer device software instructions for the testing apparatus, which includes a program for executing the interactive steps in the order approval system.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A system for order approval, the system comprising:

2. The system of claim 1, further comprising:

3. The system of claim 2, wherein the order evaluation metrics comprise fraud metrics, and wherein the evaluation data comprises at least one of user real name data, equipment data, and fingerprint data.

4. The system of claim 2, wherein the order evaluation metrics comprise credit metrics, and wherein the evaluation data comprises at least one of historical consumption data, user credit data, and user behavior data.

5. The system of claim 1, wherein the approval result acquisition module comprises:

6. The system of claim 5, wherein the approval result acquisition module further comprises:

7. The system of claim 1, further comprising:

8. The system of claim 1, wherein the score of the order evaluation indicator positively correlates to a probability that the approval of the product order is passed.

9. A method of order approval, the method comprising:

receiving an application instruction sent by a terminal;

10. A computer device comprising a processor and a memory, said memory having stored therein at least one instruction, at least one program, set of codes, or set of instructions, which is loaded and executed by said processor to carry out the steps performed by the system for order approval according to any one of claims 1 to 8.

11. A computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by a processor to perform the steps performed by the system for order approval of any one of claims 1 to 8.