CN111695987A - Client registration processing method, device, equipment and storage medium - Google Patents

Abstract

The embodiment of the present invention provides a processing method, device, equipment and storage medium for customer registration, through which the financial institution server synchronizes the encrypted file corresponding to the customer data file and the first verification file for verifying the encrypted file to the online loan system server. verification information; the online loan system server verifies the encrypted file according to the first verification information; if the verification is successful, the encrypted file is decrypted to obtain the customer data file; the customer registration process is performed according to the customer data file. In the embodiment of the present invention, by obtaining customer information in advance from the financial institution server, and registering according to the customer information under the condition of ensuring the safety and accuracy of the customer information, it is possible to avoid the credit extension interface in the credit application link when this part of customers initiates the online loan business. Performing customer registration can improve the response rate of credit granting, avoid customer registration failure due to network reasons, reduce the abnormal failure rate of customer registration process, and effectively improve customer experience and online loan business efficiency.

Description

Processing method, device, equipment and storage medium for customer registration

technical field

Embodiments of the present invention relate to the field of computer technologies, and in particular, to a method, apparatus, device, and storage medium for processing customer registration.

Background technique

Under normal circumstances, online loan customers need to take the initiative to register customer information before the online loan system initiates online loan core business processing, and the customer center records the customer's basic information for use in subsequent business processes.

In the prior art, customer registration occurs in the process of customer credit application. After the credit interface has been verified for the participation business, the customer information will be obtained from the input parameter, and the real-time interface of the customer center will be called to register the customer data. If the registration of customer information fails, it will return credit failure; if the registration of customer information is successful, the credit process will continue.

In the prior art, each time the credit interface calls the customer center interface to register customer information in real time, which not only increases the response time of the credit interface, but also may cause the failure of customer registration due to network reasons. loan business efficiency.

SUMMARY OF THE INVENTION

The embodiments of the present invention provide a customer registration processing method, device, equipment and storage medium, which are used to improve the credit response rate of the core business of online lending, reduce the abnormal failure rate of the customer registration process, and improve the customer experience and the efficiency of the online lending business.

In a first aspect, an embodiment of the present invention provides a method for processing customer registration, which is applied to an online loan system server, and the method includes:

Obtaining the encrypted file corresponding to the customer data file synchronized by the financial institution server and the first verification information for verifying the encrypted file;

Verifying the encrypted file according to the first verification information;

If the verification is successful, decrypt the encrypted file to obtain the customer data file;

The customer registration process is performed according to the customer profile.

In a second aspect, an embodiment of the present invention provides a method for processing customer registration, which is applied to a financial institution server, and the method includes:

Obtaining customer data files, and encrypting said customer data files to obtain encrypted files;

obtaining, according to the encrypted file, first verification information for verifying the encrypted file;

Synchronize the encrypted file and the first verification information to the online loan system server, so that the online loan system server decrypts the encrypted file after successfully verifying the encrypted file according to the first verification information The file obtains the customer data file, and performs customer registration processing according to the customer data file.

In a third aspect, an embodiment of the present invention provides a device for processing customer registration, which is applied to a server of an online loan system, and the device includes:

an acquisition module, configured to acquire the encrypted file corresponding to the client data file synchronized by the financial institution server and the first verification information for verifying the encrypted file;

a processing module, configured to verify the encrypted file according to the first verification information; if the verification is successful, decrypt the encrypted file to obtain the client data file;

The registration module is used to perform customer registration processing according to the customer data file.

In a fourth aspect, an embodiment of the present invention provides a device for processing customer registration, which is applied to a server of a financial institution, and the device includes:

The acquisition module is used to acquire customer data files;

a processing module, configured to encrypt the client data file to obtain an encrypted file; obtain first verification information for verifying the encrypted file according to the encrypted file;

The sending module is used to synchronize the encrypted file and the first verification information to the online loan system server, so that the online loan system server can verify the encrypted file successfully according to the first verification information. , decrypt the encrypted file to obtain the customer data file, and perform customer registration processing according to the customer data file.

In a fifth aspect, an embodiment of the present invention provides an online loan system server, including:

memory for storing computer programs;

A processor for running a computer program stored in the memory to implement the method according to the first aspect.

In a sixth aspect, an embodiment of the present invention provides a financial institution server, including:

memory for storing computer programs;

A processor for running a computer program stored in the memory to implement the method according to the second aspect.

In a seventh aspect, an embodiment of the present invention provides a computer-readable storage medium, where computer-executable instructions are stored in the computer-readable storage medium, and when the computer-executable instructions are executed by a processor, are used to implement the method described in the first aspect Methods.

In an eighth aspect, an embodiment of the present invention provides a computer-readable storage medium, where computer-executable instructions are stored in the computer-readable storage medium, and when the computer-executable instructions are executed by a processor, are used to implement the method described in the second aspect Methods.

The processing method, device, device, and storage medium for customer registration provided by the embodiment of the present invention synchronize the encrypted file corresponding to the customer data file and the first encryption file for verifying the encrypted file to the online loan system server through the financial institution server. verification information; the online loan system server verifies the encrypted file according to the first verification information; if the verification is successful, decrypt the encrypted file to obtain the customer data file; according to the The customer profile is processed for customer registration. In the embodiment of the present invention, by obtaining customer information in advance from the financial institution server, and registering according to the customer information under the condition of ensuring the safety and accuracy of the customer information, it is possible to avoid the credit extension interface in the credit application link when these customers initiate online loan business. Customer registration can reduce the credit response time, improve the credit response rate, avoid the failure of customer registration due to network reasons, reduce the abnormal failure rate of the customer registration process, and effectively improve the customer experience and online loan business efficiency.

Description of drawings

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

FIG. 1 is a schematic diagram of a communication system of a method for processing client registration provided by an embodiment of the present invention;

2 is a flowchart of a method for processing client registration provided by an embodiment of the present invention;

3 is a flowchart of a method for processing client registration provided by another embodiment of the present invention;

4 is a flowchart of a method for processing client registration provided by another embodiment of the present invention;

FIG. 5 is a structural diagram of an apparatus for processing client registration provided by an embodiment of the present invention;

6 is a structural diagram of an apparatus for processing client registration provided by another embodiment of the present invention;

7 is a structural diagram of an online loan system server provided by an embodiment of the present invention;

FIG. 8 is a structural diagram of a financial institution server according to an embodiment of the present invention.

By the above-mentioned drawings, there have been shown specific embodiments of the invention, which will be described in more detail hereinafter. These drawings and written descriptions are not intended to limit the scope of the inventive concept in any way, but to illustrate the inventive concept to those skilled in the art by referring to specific embodiments.

Detailed ways

Exemplary embodiments will be described in detail herein, examples of which are illustrated in the accompanying drawings. Where the following description refers to the drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the illustrative examples below are not intended to represent all implementations consistent with the present invention. Rather, they are merely examples of apparatus and methods consistent with some aspects of the invention as recited in the appended claims.

In the prior art, an online loan customer needs to take the initiative to register customer information before the online loan system initiates the processing of the online loan core business, and the customer center records the customer's basic information for use in subsequent business processes. Customer registration occurs in the process of customer credit application. After the credit interface has entered the business inspection, the customer information will be obtained from the entry, and the real-time interface of the customer center will be called to register the customer information. If the registration of customer information fails, it will return credit failure; if the registration of customer information is successful, the credit process will continue. In the prior art, each time the credit interface calls the customer center interface to register customer information in real time, which not only increases the response time of the credit interface, but also may cause the failure of customer registration due to network reasons. loan business efficiency.

In view of the above technical problems, the present invention considers that financial institutions such as banks usually store some customer data. If the customer data of the financial institution can be safely and accurately synchronized to the server of the online loan system, and the customer registration process is performed in advance according to these customer data, then In the credit application process when these customers initiate online loan business, it is possible to avoid the credit interface from re-registering customers, which can reduce the credit response time, improve the credit response rate, avoid the failure of customer registration due to network reasons, and reduce the abnormality of the customer registration process. The failure rate has effectively improved the customer experience and the efficiency of online loan business.

The processing method for customer registration provided by the present invention can be applied to the communication system shown in FIG. 1 . The communication system includes an online loan system server 11 and a financial institution server 12 , and the financial institution server 12 can synchronize customer data with the online loan system server 11 . The encrypted file corresponding to the file and the first verification information used to verify the encrypted file; the online loan system server 11 will verify the encrypted file according to the first verification information, if the verification is successful , the encrypted file is decrypted to obtain the customer data file, and the customer registration process is performed according to the customer data file.

Optionally, there is a file server 13 as middleware between the financial institution server 12 and the online loan system server 11. The financial institution server 12 can upload the encrypted file and the first verification information to the file server 13, and the online loan system server 11 can upload the encrypted file and the first verification information to the file server 13. Obtain the encrypted file and the first verification information from the file server 13; optionally, the financial institution server 12 can also directly send the encrypted file and the first verification information to the online loan system server 11 through a preconfigured HTTP interface.

The technical solutions of the present invention and how the technical solutions of the present application solve the above-mentioned technical problems will be described in detail below with specific examples. The following specific embodiments may be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present invention will be described below with reference to the accompanying drawings.

FIG. 2 is a flowchart of a method for processing client registration provided by an embodiment of the present invention. This embodiment provides a processing method for customer registration, and the execution body is an online loan system server. As shown in FIG. 2 , the specific steps of the processing method for customer registration are as follows:

S201. Acquire an encrypted file corresponding to a customer data file synchronized by a financial institution server and first verification information for verifying the encrypted file.

In this embodiment, the server of a financial institution such as a bank may obtain some customer data files in advance, for example, some high-quality customer customer data files may be selected. Optionally, the customer data files may include at least one of the following: 1) Customer basic Information, including certificate type, certificate number, customer name, customer gender, customer birth date, customer mobile phone number, etc.; 2) Customer education information, including school, school address, education, enrollment time, graduation time, etc.; 3) Customer address information , including address type, province, city, district, city, detailed address, etc.; 4) Customer occupational information, including company name, company address, company phone number, occupation, title, years of employment, in-service status, etc.; 5) Customer contact information , including contact grouping, contact relationship, contact ID number, contact name, contact mobile phone, contact email, contact address, etc. Among them, each of the above data files can be stored in the same file, of course, each type of customer data can also be stored as a file, wherein the data of each customer is used as a record, and each field is separated by a separator, for example Zhang San's basic information is used as a record, which includes multiple fields such as certificate type, certificate number, customer name, etc., which are separated by delimiters. In addition, the customer data file can also carry time stamp information, so as to record the acquisition time of the customer data file, and it is convenient to determine whether it is the latest customer data file according to the time stamp in the subsequent synchronization process.

Optionally, the financial institution server may obtain the customer data file of the newly added customer and/or the customer data file of the customer whose data has been changed at predetermined intervals, for example, the predetermined time may be 24 hours. After the financial institution server obtains the customer data file, the customer data file can be encrypted to obtain the encrypted file, so as to prevent the leakage of customer information during the synchronization process and improve the security of the customer data synchronization process. The encryption method can be any encryption method. , such as symmetric encryption, asymmetric encryption, etc. In addition, in order to further improve security and prevent customer data from being tampered with or lost during the synchronization process, the financial institution server can also obtain the first verification information for verifying the encrypted file according to the encrypted file. The hash algorithm obtains the first verification information. Further, the financial institution server can synchronize the encrypted file and the first verification information to the online loan system server. Specifically, the encrypted file and the first verification information can be packaged into a file package and then synchronized to the online loan system server. Of course, The encrypted file and the first verification information can also be synchronized to the online loan system server respectively.

S202. Verify the encrypted file according to the first verification information.

In this embodiment, after obtaining the encrypted file and the first verification information, the online loan system server can verify the encrypted file according to the first verification information, so as to prevent the encrypted file from being tampered with or lost during the synchronization process, resulting in encryption File changes, which in turn lead to changes in customer profile files, improve the security of the synchronization process.

S203. If the verification is successful, decrypt the encrypted file to obtain the client data file.

In this embodiment, when the verification of the encrypted file is successful, it means that the encrypted file received by the online loan system server is the same as the confidential file sent by the financial institution server, the encrypted file can be decrypted, and the customer data file can be obtained, wherein The key required for decryption can be obtained in advance, for example, by means of an offline key agreement, or by other means.

S204. Perform customer registration processing according to the customer data file.

In this embodiment, the server of the online loan system obtains the customer data contained in the customer data file, performs customer registration processing, and writes the customer data into the customer data database, so as to avoid this part of customers from the credit extension interface in the customer credit application link. The customer registration is performed again, which reduces the credit response time, and also avoids the failure of customer registration due to network reasons, effectively improving customer experience and online loan business efficiency. Further, in the customer credit application process, it can be judged whether each customer has completed the registration of customer information in advance. If it has been completed in advance, the follow-up business process will be directly carried out. If it has not been completed in advance, the traditional customer registration process will be carried out by the user. Register customer profile.

More specifically, when the customer registration process is performed according to the customer data file, the customer registration interface can be called, and the customer data in the customer data file is written into the customer data database through the customer registration interface, so as to realize the customer registration. deal with. In this embodiment, the customer registration interface can realize the customer registration function. By calling the customer registration interface, the customer data can be written into the customer data database one by one. Of course, the customer data can also be written into the customer data database in batches, and the customer registration process is not completed. process.

It should be noted that due to the existence of the customer data database of the online loan system server, the customer data of a certain customer may already exist, but the customer data of the customer reappears in the customer data file synchronized by the financial institution server, such as the financial institution server. It is obtained that the information of an existing customer has changed, so the online loan system server needs to change the customer's customer information to ensure that the customer's customer information is updated in time. Therefore, when the customer data in the customer data file is written into the customer data database through the customer registration interface, if it is determined that the initial customer data of the customer corresponding to the customer data already exists in the customer data database, the The client profile updates the initial client profile described.

In the processing method for customer registration provided in this embodiment, the encrypted file corresponding to the customer data file and the first verification information used to verify the encrypted file are synchronized with the online loan system server through the financial institution server; The server verifies the encrypted file according to the first verification information; if the verification is successful, decrypts the encrypted file to obtain the customer data file; performs customer registration processing according to the customer data file. In this embodiment, by obtaining customer information in advance from the financial institution server, and registering according to the customer information under the condition of ensuring the safety and accuracy of the customer information, it is possible to avoid the credit extension interface from re-operating in the credit application link when this part of customers initiates the online loan business. Customer registration can reduce the credit response time, improve the credit response rate, avoid the failure of customer registration due to network reasons, reduce the abnormal failure rate of the customer registration process, and effectively improve the customer experience and online loan business efficiency.

Based on any of the foregoing embodiments, the first verification information may be a first hash value obtained by the financial institution server processing the encrypted file according to a preset hash algorithm;

Correspondingly, as shown in FIG. 3 , the verification of the encrypted file according to the verification information in S202 may include:

S2021, processing the encrypted file to obtain a second hash value according to the preset hash algorithm, so as to use the second hash value as second verification information;

S2022. Verify the integrity of the encrypted file according to the first verification information and the second verification information.

In this embodiment, optionally, the first hash value may be MD5 obtained by processing the encrypted file through a message digest algorithm (Message-DigestAlgorithm), or the encrypted file may be processed through other preset hash algorithms. the obtained hash value.

That is, the financial institution server processes the encrypted file to be synchronized according to the preset hash algorithm to obtain the first hash value, which is used as the first verification information, and then packages the first verification information and the encrypted file and synchronizes it to the online lender. System server; after the online loan system server decompresses the file package, it obtains the encrypted file and the first verification information, and then the online loan system server uses the same preset hash algorithm to process the encrypted file to obtain a second hash value, which is used as the first hash value. Second check information, and then check the integrity of the encrypted file according to the first check information and the second check information. Further, if the first verification information and the second verification information are the same, and it is determined that the encrypted file is complete, it is determined that the verification is successful; or, if the first verification information is the same as the second verification information If the verification information is not the same, if it is determined that the encrypted file is incomplete, it is determined that the verification fails. After it is determined that the verification fails, the subsequent processing process can be stopped, that is, the encrypted file decryption and client registration processes are no longer performed. It should be noted that when there are multiple customer data files, multiple encrypted files can be obtained. At this time, the first verification information and the second verification information can be compared for each encrypted file to ensure the integrity of each encrypted file. Further, if the verification of some encrypted files fails and the verification of some encrypted files succeeds, the subsequent processing process may be performed only on the encrypted files whose verification is successful. In this embodiment, a hash algorithm is used to check the integrity of the encrypted file. When the first hash value and the second hash value are the same, it means that the file is complete, that is, the encrypted file has not been tampered with or lost during the synchronization process. Encrypted files are unchanged, improving the security of the synchronization process, thereby ensuring the accuracy of the customer registration process.

Optionally, the financial institution server can also record attribute values such as the number of lines or bytes of the customer data file before encryption, and use the attribute value as the third verification information, and the online loan system server can also check the received data. After the encrypted file is decrypted, the number of lines or bytes of the customer data file is obtained as the fourth verification information, and then the integrity of the customer data file is verified through the third verification information and the fourth verification information. Of course, this verification method has lower accuracy and lower security than the above-mentioned hash algorithm.

On the basis of any of the foregoing embodiments, in an optional embodiment, the obtaining an encrypted file corresponding to the customer data file synchronized by the financial institution server and a first check used for verifying the encrypted file information, which may include:

The encrypted file and the first verification information are acquired from a file server, wherein the encrypted file and the first verification information are uploaded to the file server by the financial institution server.

In this embodiment, there is a file server as middleware between the financial institution server and the online loan system server, the financial institution server can upload the encrypted file and the first verification information to the file server, and the online loan system server can download the file from the server at any time. The file server obtains the encrypted file and the first verification information, for example, it can also obtain the encrypted file and the first verification information from the file server every predetermined time, or obtain the encrypted file and the first verification information from the file server in a publish-subscribe manner. The financial institution server and the online loan system server are decoupled through the file server, which makes the upload process of the financial institution server and the download process of the online loan system server more flexible and unrestricted.

In another optional embodiment, the encrypted file and the first verification information synchronized by the financial institution service may also be obtained through a preconfigured HTTP interface.

In this embodiment, the financial institution server and the online loan system server are coupled through a pre-configured HTTP interface, and the financial institution server directly sends the encrypted file and the first verification information to the online loan system server through the HTTP interface without additional configuration. As middleware, the file server reduces the cost of the system architecture, but the uploading process of the financial institution server and the downloading process of the online loan system server are relatively inflexible and easily restricted.

In the above-mentioned embodiments, by obtaining customer information in advance from the financial institution server, and registering according to the customer information under the condition of ensuring the safety and accuracy of the customer information, it is possible to avoid the credit extension interface in the credit application link when this part of customers initiates the online loan business. Customer registration can reduce the credit response time, improve the credit response rate, avoid the failure of customer registration due to network reasons, reduce the abnormal failure rate of the customer registration process, and effectively improve the customer experience and online loan business efficiency.

FIG. 4 is a flowchart of a method for processing client registration provided by an embodiment of the present invention. This embodiment provides a method for processing customer registration, and the execution body is a financial institution server. As shown in FIG. 4 , the specific steps of the processing method for customer registration are as follows:

S301. Obtain a customer data file, and encrypt the customer data file to obtain an encrypted file.

In this embodiment, the server of a financial institution such as a bank may obtain some customer data files in advance, for example, some high-quality customer customer data files may be selected. Optionally, the customer data files may include at least one of the following: 1) Customer basic Information, including certificate type, certificate number, customer name, customer gender, customer birth date, customer mobile phone number, etc.; 2) Customer education information, including school, school address, education, enrollment time, graduation time, etc.; 3) Customer address information , including address type, province, city, district, city, detailed address, etc.; 4) Customer occupational information, including company name, company address, company phone number, occupation, title, years of employment, in-service status, etc.; 5) Customer contact information , including contact grouping, contact relationship, contact ID number, contact name, contact mobile phone, contact email, contact address, etc. Among them, each of the above data files can be stored in the same file, of course, each type of customer data can also be stored as a file, wherein the data of each customer is used as a record, and each field is separated by a separator, for example Zhang San's basic information is used as a record, which includes multiple fields such as certificate type, certificate number, customer name, etc., which are separated by delimiters. In addition, the customer data file can also carry time stamp information, so as to record the acquisition time of the customer data file, and it is convenient to determine whether it is the latest customer data file according to the time stamp in the subsequent synchronization process.

Optionally, the financial institution server may obtain the customer data file of the newly added customer and/or the customer data file of the customer whose data has been changed at predetermined intervals. Add new customers, and/or determine whether there are customers whose data has changed, and then obtain the customer data files of the newly added customers and/or customers whose data has changed.

After the financial institution server obtains the customer data file, the customer data file can be encrypted to obtain the encrypted file, so as to prevent the leakage of customer information during the synchronization process and improve the security of the customer data synchronization process. The encryption method can be any encryption method. , such as symmetric encryption, asymmetric encryption, etc.

S302. Acquire first verification information for verifying the encrypted file according to the encrypted file.

In this embodiment, in order to further improve security and prevent customer data from being tampered with or lost during the synchronization process, the financial institution server may also obtain the first verification information for verifying the encrypted file according to the encrypted file, for example, using Some preset hash algorithms obtain the first verification information.

S303. Synchronize the encrypted file and the first verification information to the online loan system server, so that the online loan system server decrypts the encrypted file after successfully verifying the encrypted file according to the first verification information. Obtain the customer data file from the encrypted file, and perform customer registration processing according to the customer data file.

In this embodiment, the financial institution server can package the encrypted file and the first verification information into a file package and then synchronize it to the online loan system server. Of course, the encrypted file and the first verification information can also be synchronized to the online loan system respectively. The server, and then the server of the online loan system can execute the above-mentioned embodiment of the processing method of the customer registration on the server side of the online loan system, that is, obtain the encrypted file and the first verification information synchronized by the financial institution server, and perform the verification according to the first verification information. The encrypted file is verified, and if the verification is successful, the encrypted file is decrypted to obtain the customer data file, and the customer registration process is performed according to the customer data file.

In the processing method for customer registration provided in this embodiment, the encrypted file corresponding to the customer data file and the first verification information used to verify the encrypted file are synchronized with the online loan system server through the financial institution server; The server verifies the encrypted file according to the first verification information; if the verification is successful, decrypts the encrypted file to obtain the customer data file; performs customer registration processing according to the customer data file. In this embodiment, by obtaining customer information in advance from the financial institution server, and registering according to the customer information under the condition of ensuring the safety and accuracy of the customer information, it is possible to avoid the credit extension interface from re-operating in the credit application link when this part of customers initiates the online loan business. Customer registration can reduce the credit response time, improve the credit response rate, avoid the failure of customer registration due to network reasons, reduce the abnormal failure rate of the customer registration process, and effectively improve the customer experience and online loan business efficiency.

On the basis of the foregoing embodiment, the step of obtaining the first verification information for verifying the encrypted file according to the encrypted file described in S302 may specifically include:

The encrypted file is processed according to a preset hash algorithm to obtain a first hash value, and the first hash value is used as the first verification information for the online loan system server to verify the encrypted file completeness.

In this embodiment, the first hash value may be MD5 obtained by processing the encrypted file through a message digest algorithm (Message-DigestAlgorithm), or may be a hash obtained by processing the encrypted file through other preset hash algorithms value. Similarly, after obtaining the encrypted file and the first verification information, the online loan system server uses the same preset hash algorithm to process the encrypted file to obtain a second hash value, which is used as the second verification information. The first verification information and the second verification information verify the integrity of the encrypted file. Further, if the first verification information and the second verification information are the same, and it is determined that the encrypted file is complete, it is determined that the verification is successful; or, if the first verification information is the same as the second verification information If the verification information is not the same, if it is determined that the encrypted file is incomplete, it is determined that the verification fails. After it is determined that the verification fails, the subsequent processing process can be stopped, that is, the encrypted file decryption and client registration processes are no longer performed. It should be noted that when there are multiple customer data files, multiple encrypted files can be obtained. At this time, the first verification information and the second verification information can be compared for each encrypted file to ensure the integrity of each encrypted file. Further, if the verification of some encrypted files fails and the verification of some encrypted files succeeds, the subsequent processing process may be performed only on the encrypted files whose verification is successful. In this embodiment, a hash algorithm is used to check the integrity of the encrypted file. When the first hash value and the second hash value are the same, it means that the file is complete, that is, the encrypted file has not been tampered with or lost during the synchronization process. Encrypted files are unchanged, improving the security of the synchronization process, thereby ensuring the accuracy of the customer registration process.

Optionally, the financial institution server can also record attribute values such as the number of lines or bytes of the customer data file before encryption, and use the attribute value as the third verification information, and the online loan system server can also check the received data. After the encrypted file is decrypted, the number of lines or bytes of the customer data file is obtained as the fourth verification information, and then the integrity of the customer data file is verified through the third verification information and the fourth verification information. Of course, this verification method has lower accuracy and lower security than the above-mentioned hash algorithm.

Based on any of the foregoing embodiments, in an optional embodiment, the step of synchronizing the encrypted file and the first verification information to the online loan system server described in S303 may specifically include:

Upload the encrypted file and the first verification information to a file server, so that the online loan system server can obtain the encrypted file and the first verification information from the file server.

In this embodiment, there is a file server as middleware between the financial institution server and the online loan system server, the financial institution server can upload the encrypted file and the first verification information to the file server, and the online loan system server can obtain from the file server The encrypted file and the first verification information are decoupled from the financial institution server and the online loan system server through the file server, which makes the uploading process of the financial institution server and the downloading process of the online loan system server more flexible and unrestricted.

In another optional embodiment, the encrypted file and the first verification information may also be synchronized to the online loan system server through a preconfigured HTTP interface.

In this embodiment, the financial institution server and the online loan system server are coupled through a pre-configured HTTP interface, and the financial institution server directly sends the encrypted file and the first verification information to the online loan system server through the HTTP interface without additional configuration. As middleware, the file server reduces the cost of the system architecture, but the uploading process of the financial institution server and the downloading process of the online loan system server are relatively inflexible and easily restricted.

In the above-mentioned embodiments, by obtaining customer information in advance from the financial institution server, and registering according to the customer information under the condition of ensuring the safety and accuracy of the customer information, it is possible to avoid the credit extension interface in the credit application link when this part of customers initiates the online loan business. Customer registration can reduce the credit response time, improve the credit response rate, avoid the failure of customer registration due to network reasons, reduce the abnormal failure rate of the customer registration process, and effectively improve the customer experience and online loan business efficiency.

FIG. 5 is a structural diagram of an apparatus for processing client registration provided by an embodiment of the present invention. The customer registration processing apparatus provided in this embodiment can execute the processing flow provided by the embodiment of the customer registration processing method on the server side of the online loan system. As shown in FIG. 5 , the customer registration processing apparatus 500 includes an acquisition module 501, a processing module 502, and registration module 503.

The obtaining module 501 is used for obtaining the encrypted file corresponding to the customer data file synchronized by the financial institution server and the first verification information for verifying the encrypted file;

The processing module 502 is configured to verify the encrypted file according to the first verification information; if the verification is successful, decrypt the encrypted file to obtain the client data file;

The registration module 503 is configured to perform customer registration processing according to the customer data file.

Based on the above embodiment, the first verification information is a first hash value obtained by the financial institution server processing the encrypted file according to a preset hash algorithm;

Further, when verifying the encrypted file according to the verification information, the processing module 502 is used for:

According to the preset hash algorithm, processing the encrypted file to obtain a second hash value, so as to use the second hash value as second verification information;

The integrity of the encrypted file is verified according to the first verification information and the second verification information.

Based on any of the above embodiments, the processing module 502 is based on the first verification information

When verifying the integrity of the encrypted file with the second verification information, it is used for:

If the first verification information and the second verification information are the same, and it is determined that the encrypted file is complete, it is determined that the verification is successful; or,

If the first verification information and the second verification information are different, it is determined that the encrypted file is incomplete, and it is determined that the verification fails.

On the basis of any of the above-mentioned embodiments, when the registration module 503 performs customer registration processing according to the customer information file, it is used for:

Call the client registration interface;

Through the customer registration interface, the customer data in the customer data file is written into the customer data database, so as to realize the customer registration process.

On the basis of any of the above embodiments, when the registration module 503 writes the customer data in the customer data file into the customer data database through the customer registration interface, it is used for:

If the initial customer data of the customer corresponding to the customer data already exists in the customer data database, the initial customer data is updated with the customer data.

On the basis of any of the above-mentioned embodiments, when the obtaining module 501 obtains the encrypted file corresponding to the customer data file synchronized by the financial institution server and the first verification information for verifying the encrypted file, the obtaining module 501 is used for:

Acquire the encrypted file and the first verification information from a file server, wherein the encrypted file and the first verification information are uploaded to the file server by the financial institution server; or,

Obtain the encrypted file and the first verification information synchronized by the financial institution service through a preconfigured HTTP interface.

The apparatus for processing client registration provided by the embodiment of the present invention may be specifically configured to execute the method embodiments provided in the foregoing FIG. 2-3, and the specific functions will not be repeated here.

The processing device for customer registration provided by the embodiment of the present invention synchronizes the encrypted file corresponding to the customer data file and the first verification information for verifying the encrypted file to the online loan system server through the financial institution server; The system server verifies the encrypted file according to the first verification information; if the verification is successful, decrypts the encrypted file to obtain the customer data file; performs customer registration processing according to the customer data file . In this embodiment, by obtaining customer information in advance from the financial institution server, and registering according to the customer information under the condition of ensuring the safety and accuracy of the customer information, it is possible to avoid the credit extension interface from re-operating in the credit application link when this part of customers initiates the online loan business. Customer registration can reduce the credit response time, improve the credit response rate, avoid the failure of customer registration due to network reasons, reduce the abnormal failure rate of the customer registration process, and effectively improve the customer experience and online loan business efficiency.

FIG. 6 is a structural diagram of an apparatus for processing client registration provided by an embodiment of the present invention. The apparatus for processing customer registration provided in this embodiment can execute the processing flow provided by the embodiment of the method for processing customer registration on the server side of a financial institution. As shown in FIG. 6 , the apparatus 600 for processing customer registration includes an acquisition module 601 and a processing module. 602 , and a sending module 603 .

an acquisition module 601, used for acquiring customer data files;

a processing module 602, configured to encrypt the client data file to obtain an encrypted file; obtain first verification information for verifying the encrypted file according to the encrypted file;

The sending module 603 is used to synchronize the encrypted file and the first verification information to the online loan system server, so that the online loan system server can successfully verify the encrypted file according to the first verification information Afterwards, decrypt the encrypted file to obtain the customer information file, and perform customer registration processing according to the customer information file.

On the basis of the foregoing embodiment, when the processing module 602 obtains the first verification information for verifying the encrypted file according to the encrypted file, the processing module 602 is configured to:

The encrypted file is processed according to a preset hash algorithm to obtain a first hash value, and the first hash value is used as the first verification information for the online loan system server to verify the encrypted file completeness.

On the basis of any of the above embodiments, the sending module 603 synchronizes the encrypted file and the first verification information to the online loan system server, including:

uploading the encrypted file and the first verification information to a file server, so that the online loan system server can obtain the encrypted file and the first verification information from the file server; or,

The encrypted file and the first verification information are synchronized to the online loan system server through a preconfigured HTTP interface.

On the basis of any of the above-mentioned embodiments, when the acquisition module 601 acquires the customer data file, it is used to:

Obtain customer information files of new customers and/or customers whose information has changed at predetermined intervals.

The apparatus for processing client registration provided by the embodiment of the present invention may be specifically configured to execute the method embodiment provided in FIG. 4 above, and the specific functions will not be repeated here.

The processing device for customer registration provided by the embodiment of the present invention synchronizes the encrypted file corresponding to the customer data file and the first verification information for verifying the encrypted file to the online loan system server through the financial institution server; The loan system server verifies the encrypted file according to the first verification information; if the verification is successful, decrypts the encrypted file to obtain the customer data file; performs customer registration according to the customer data file deal with. In this embodiment, by obtaining customer information in advance from the financial institution server, and registering according to the customer information under the condition of ensuring the safety and accuracy of the customer information, it is possible to avoid the credit extension interface from re-operating in the credit application link when this part of customers initiates the online loan business. Customer registration can reduce the credit response time, improve the credit response rate, avoid the failure of customer registration due to network reasons, reduce the abnormal failure rate of the customer registration process, and effectively improve the customer experience and online loan business efficiency.

FIG. 7 is a schematic structural diagram of a server of an online loan system according to an embodiment of the present invention. The online loan system server provided by the embodiment of the present invention may execute the processing flow provided by the embodiment of the method for processing customer registration on the server side of the online loan system. As shown in FIG. 7, the online loan system server 70 includes a memory 71, a processor 72, a computer program and a communication interface 73; wherein, the computer program is stored in the memory 71 and is configured to be executed by the processor 72 in the above embodiments. The processing method of the customer registration described above.

The online loan system server of the embodiment shown in FIG. 7 can be used to execute the technical solution of the above-mentioned embodiment of the method for processing customer registration on the server side of the online loan system.

FIG. 8 is a schematic structural diagram of a financial institution server according to an embodiment of the present invention. The financial institution server provided by the embodiment of the present invention may execute the processing flow provided by the embodiment of the method for processing client registration on the server side of the financial institution. As shown in FIG. 8 , the financial institution server 80 includes a memory 81, a processor 82, a computer program and a communication interface 83; wherein the computer program is stored in the memory 81 and is configured to be executed by the processor 82 as described in the above embodiments The processing method of the customer registration.

The financial institution server in the embodiment shown in FIG. 8 can be used to execute the technical solution of the above-mentioned embodiment of the processing method for customer registration, and the implementation principle and technical effect thereof are similar, and are not repeated here.

In addition, the present embodiment also provides a computer-readable storage medium on which a computer program is stored, and the computer program is executed by the processor to implement the method for processing customer registration on the server side of the online loan system described in the foregoing embodiment.

This embodiment also provides a computer-readable storage medium on which a computer program is stored, and the computer program is executed by the processor to implement the method for processing customer registration on the server side of the financial institution described in the foregoing embodiment.

The present application also provides a computer program, including program code, when the computer runs the computer program, the program code executes the method for processing customer registration on the server side of the online loan system as described in the foregoing embodiments.

The present application also provides a computer program, including program code. When the computer runs the computer program, the program code executes the method for processing customer registration on the server side of the financial institution as described in the foregoing embodiments.

In the several embodiments provided by the embodiments of the present invention, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the apparatus embodiments described above are only illustrative. For example, the division of the units is only a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored, or not implemented. On the other hand, the shown or discussed mutual coupling or direct coupling or communication connection may be through some interfaces, indirect coupling or communication connection of devices or units, and may be in electrical, mechanical or other forms.

The units described as separate components may or may not be physically separated, and components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution in this embodiment.

In addition, each functional unit in each embodiment of the embodiments of the present invention may be integrated into one processing unit, or each unit may exist physically alone, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware, or may be implemented in the form of hardware plus software functional units.

The above-mentioned integrated units implemented in the form of software functional units can be stored in a computer-readable storage medium. The above-mentioned software function unit is stored in a storage medium, and includes several instructions to cause a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor (processor) to execute the embodiments of the present invention. part of the method. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic disk or optical disk and other media that can store program codes .

Those skilled in the art can clearly understand that, for the convenience and brevity of the description, only the division of the above functional modules is used for illustration. The internal structure is divided into different functional modules to complete all or part of the functions described above. For the specific working process of the apparatus described above, reference may be made to the corresponding process in the foregoing method embodiments, and details are not described herein again.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the embodiments of the present invention, but not to limit them; although the embodiments of the present invention have been described in detail with reference to the foregoing embodiments, those of ordinary It should be understood that: it is still possible to modify the technical solutions recorded in the foregoing embodiments, or perform equivalent replacements to some or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the embodiments of the present invention The scope of the technical solutions of each embodiment.

Claims (16)

1. A processing method for customer registration, characterized in that, applied to an online loan system server, the method comprising: Obtaining the encrypted file corresponding to the customer data file synchronized by the financial institution server and the first verification information for verifying the encrypted file; Verifying the encrypted file according to the first verification information; If the verification is successful, decrypt the encrypted file to obtain the customer data file; The customer registration process is performed according to the customer profile. 2. The method according to claim 1, wherein the first verification information is a first hash value obtained by the financial institution server processing the encrypted file according to a preset hash algorithm; The verifying the encrypted file according to the verification information includes: According to the preset hash algorithm, processing the encrypted file to obtain a second hash value, so as to use the second hash value as second verification information; The integrity of the encrypted file is verified according to the first verification information and the second verification information. 3. The method according to claim 2, wherein the verifying the integrity of the encrypted file according to the first verification information and the second verification information comprises: If the first verification information and the second verification information are the same, it is determined that the encrypted file is complete, and the verification is determined to be successful; or, If the first verification information and the second verification information are different, it is determined that the encrypted file is incomplete, and it is determined that the verification fails. 4. The method according to claim 1, wherein the performing customer registration processing according to the customer data file comprises: Call the client registration interface; Through the customer registration interface, the customer data in the customer data file is written into the customer data database, so as to realize the customer registration process. 5. The method according to claim 4, characterized in that, writing the customer data in the customer data file into the customer data database through the customer registration interface, comprising: If the initial customer data of the customer corresponding to the customer data already exists in the customer data database, the initial customer data is updated with the customer data. 6. The method according to any one of claims 1-5, characterized in that, the encrypted file corresponding to the client data file synchronized by the obtained financial institution server and the first verification code for verifying the encrypted file are obtained. inspection information, including: Obtain the encrypted file and the first verification information from a file server, wherein the encrypted file and the first verification information are uploaded to the file server by the financial institution server; or, Obtain the encrypted file and the first verification information synchronized by the financial institution service through a preconfigured HTTP interface. 7. A method for synchronizing customer data, characterized in that, applied to a financial institution server, the method comprising: Obtaining customer data files, and encrypting said customer data files to obtain encrypted files; obtaining, according to the encrypted file, first verification information for verifying the encrypted file; Synchronize the encrypted file and the first verification information to the online loan system server, so that the online loan system server decrypts the encrypted file after successfully verifying the encrypted file according to the first verification information The file obtains the customer data file, and performs customer registration processing according to the customer data file. 8. The method according to claim 7, wherein the obtaining, according to the encrypted file, the first verification information for verifying the encrypted file comprises: The encrypted file is processed according to a preset hash algorithm to obtain a first hash value, and the first hash value is used as the first verification information for the online loan system server to verify the encrypted file completeness. 9. The method according to claim 7 or 8, wherein the synchronizing the encrypted file and the first verification information to the online loan system server comprises: uploading the encrypted file and the first verification information to a file server, so that the online loan system server can obtain the encrypted file and the first verification information from the file server; or, The encrypted file and the first verification information are synchronized to the online loan system server through a preconfigured HTTP interface. 10. The method according to claim 7 or 8, characterized in that, the obtaining of customer information files comprises: Obtain customer information files of new customers and/or customers whose information has changed at predetermined intervals. 11. A processing device for customer registration, characterized in that it is applied to an online loan system server, the device comprising: an acquisition module, configured to acquire the encrypted file corresponding to the client data file synchronized by the financial institution server and the first verification information for verifying the encrypted file; a processing module, configured to verify the encrypted file according to the first verification information; if the verification is successful, decrypt the encrypted file to obtain the client data file; The registration module is used to perform customer registration processing according to the customer data file. 12. A device for processing customer registration, characterized in that it is applied to a financial institution server, the device comprising: The acquisition module is used to acquire customer data files; a processing module, configured to encrypt the client data file to obtain an encrypted file; obtain first verification information for verifying the encrypted file according to the encrypted file; The sending module is used to synchronize the encrypted file and the first verification information to the online loan system server, so that the online loan system server can verify the encrypted file successfully according to the first verification information. , decrypt the encrypted file to obtain the customer data file, and perform customer registration processing according to the customer data file. 13. An online loan system server, comprising: memory for storing computer programs; A processor for running a computer program stored in the memory to implement the method of any one of claims 1-6. 14. A financial institution server, comprising: memory for storing computer programs; A processor for running a computer program stored in the memory to implement the method of any of claims 7-10. 15. A computer-readable storage medium, wherein computer-executable instructions are stored in the computer-readable storage medium, and when the computer-executable instructions are executed by a processor, are used to implement any one of claims 1-6 the method described. 16. A computer-readable storage medium, wherein computer-executable instructions are stored in the computer-readable storage medium, and when the computer-executable instructions are executed by a processor, are used to implement any one of claims 7-10 the method described.

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