CN111784501A

CN111784501A - System and method for online execution of online loan service

Info

Publication number: CN111784501A
Application number: CN202010594856.1A
Authority: CN
Inventors: 王健; 张丹枫; 邵珏鑫; 俞恒舟
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-06-28
Filing date: 2020-06-28
Publication date: 2020-10-16
Anticipated expiration: 2040-06-28
Also published as: CN111784501B

Abstract

The present specification provides a system and method for performing online loan transactions online. One system embodiment may include an asynchronous file interaction system including an API file server, an application file server, and an online execution system. Asynchronous instruction interaction and file interaction can be achieved by docking at a certificate-issuing notarization place in an asynchronous mode, execution application of judicial execution of multiple services is supported, online execution application submission is achieved by docking of an online execution system and a bank system, finally online issue of an execution book is achieved, and a corresponding judicial execution request can be sent to a court based on the execution book. The embodiment of the specification can be used for on-line connection with a notarization place, has simple execution flow, can quickly and efficiently provide an execution book on line and initiate a judicial execution request for a related court, has the capability of processing a plurality of execution tasks in batches, and can effectively recover the fund loss caused by bad loans on a small and micro financial line.

Description

System and method for online execution of online loan service

Technical Field

The embodiment of the specification belongs to the field of computer data processing in financial business, and particularly relates to a system and a method for online execution of online loan business.

Background

The method has the advantages that the method is simple in process, short in timeliness and high in efficiency. The lender applies for loan on line and signs the relevant contract and borrowing data, and after the loan bank deposits money according to the conditions of client credit, mortgage, pledge and the like, the lender repays according to the contract and the borrowing data agreement. Aiming at the problem of higher loan reject ratio on a miniscule financial line, the miniscule financial line loan generally adopts a means of notarization of a joint notarization department for notarization of contracts and borrows to carry out risk control. Aiming at the small and micro financial online loan with the public certificate, if the client does not return the loan according to the contract and the agreement of borrowing and the overdue occurs, the loan bank has the right to choose to provide an executive book to the relevant public certificate and submit the executive book to the court for judicial execution, thereby recovering the relevant fund loss caused by the bad loan. How to rapidly and efficiently issue an executive book to a notarization department becomes a key problem for recovering property loss through small and micro financial loans.

In the prior art, when the off-line execution is carried out, the notarization place needs to be docked for many times on site, related materials are provided in the process according to the actual execution condition, the process is long and complex, the cost is high, the time effectiveness is long, and the efficiency is low. However, in actual services, multiple services are often applied at the same time, and the traditional system cannot process the applied services in batch, which is also a bottleneck problem of service processing.

Disclosure of Invention

The present specification aims to provide a system and a method for online execution of an online loan service, which can quickly and efficiently issue an execution book online and directly initiate a judicial request to a related court through an asynchronous file system online interface notarization place, specifically perform online execution, have the characteristics of simple process, have the functions of batch processing of multiple services and high efficiency, and can effectively recover the fund loss caused by poor loan on a small and micro financial line.

The system and the method for online executing the online loan service provided by the embodiment of the specification are realized by the following modes:

the system for online executing the online loan service comprises an asynchronous file interactive system and an online executing system, wherein the asynchronous file interactive system comprises an API file server and an application file server, the API file server and the application file server are interacted by adopting a GTP protocol, wherein,

the system comprises an online execution system, a service management system and a service management system, wherein the online execution system is used for initiating an execution application of judicial execution of one or more services, and the execution application of judicial execution comprises an execution instruction and a file related to the execution instruction; the execution application is further used for transmitting the execution application to the asynchronous file interaction system in an asynchronous mode by using a GTP transmission protocol; the system is also used for receiving the latest intermediate execution state of the execution application transmitted by the asynchronous file interaction system or the execution book issued by the notarization processing system;

an application file server in the asynchronous file interaction system is in butt joint with the online execution system and is used for receiving the execution application; the system is also used for transmitting the execution application executed by the judicial execution to an API file server; the system is also used for receiving the latest intermediate execution state of the judicial execution application transmitted by the API file server or the execution book issued by the notarization processing system and transmitting the intermediate execution state or the execution book to the online execution system;

the API file server adopts an asynchronous mode to use an SFTP transmission protocol to connect with a notarization department system, and is used for receiving an execution application executed by judicial execution of one or more services transmitted by the application file server and carrying out signature verification; authentication for login; the document batch transmission system is also used for transmitting the documents corresponding to the one or more services to the notarization department in a batch mode in a fixed period in an asynchronous mode after the signature verification is passed; the system is also used for receiving the latest intermediate execution state of the execution application of the judicial execution returned by the notarization department system or the execution book issued by the notarization department system, and transmitting the latest intermediate execution state or the execution book to an application file server.

In another embodiment of the system, the online execution system is further configured to obtain disputed material from the lender through the asynchronous file interaction system, and to submit disputed material to the notary through the asynchronous file interaction system when the request is determined to be continued.

In another embodiment of the system, the application file server performs integrity check on the transmitted file through the transmitted file and a check file corresponding to the file during transmission.

In another embodiment of the system, the system for batch-transferring the file corresponding to the one or more services to the notarization office in a fixed period in an asynchronous manner includes:

transmitting the batch files of the loan bank system to an API file server in a first fixed period;

transmitting the batch files in the API file server to a notarization department system at a second fixed period;

the fixed period is the sum of the first fixed period and the second fixed period.

In another embodiment of the system, the transmission files include a ZIP file package, CSV files, and sign files and check files corresponding to the files; the image and file information transmitted by the online execution system and the notarization department system are placed in a ZIP (zero-insertion detection) package, the interactive instruction information is placed in a CSV (common virtual circuit) file, and the signature file and/or the verification file corresponding to each file are used for signature verification and integrity verification.

In another embodiment of the system, the flow of the execution state or the intermediate execution state is realized by modifying the flow and storage of the structural state of the database table.

A method of online loan transaction execution, comprising:

initiating an execution application of judicial execution of one or more services through an online execution system, wherein the execution application of judicial execution comprises an execution instruction and a file related to the execution instruction; the execution application is further used for transmitting the execution application to the asynchronous file interaction system in an asynchronous mode by using a GTP transmission protocol;

an application file server of the asynchronous file interaction system is in butt joint with the online execution system and receives the execution application; the system is also used for transmitting the execution application executed by the judicial execution to an API file server;

the API file server adopts an asynchronous mode to use an SFTP transmission protocol to be connected with a notarization department system, receives an execution application of judicial execution of one or more services transmitted by the application file server, and performs signature verification; carrying out login authentication; transmitting the files corresponding to the one or more services to a notarization department system in batches in a fixed period in an asynchronous mode after the signature verification is passed;

the API file server receives the latest intermediate execution state of the execution application of the judicial execution returned by the notarization department system or the execution book issued by the notarization department system, and transmits the latest intermediate execution state or the execution book to the application file server;

and the application file server receives the latest intermediate execution state or the execution book and transmits the intermediate execution state or the execution book to the online execution system.

In another embodiment of the method, further comprising:

and the online execution system acquires the disputed resistant materials of the lender through the asynchronous file interaction system, and submits the disputed resistant materials aiming at the disputed materials of the lender to a notarization department through the asynchronous file interaction system when determining to continue executing the application.

In another embodiment of the method, the application file server performs integrity check on the transmitted file through the transmitted file and a check file corresponding to the file during transmission.

In another embodiment of the method, the system for batch-transferring the file corresponding to the one or more services to the notarization office in a fixed period in an asynchronous manner includes:

In another embodiment of the method, the transmission files include a ZIP file package, CSV files, and sign files and check files corresponding to the files; the image and file information transmitted by the online execution system and the notarization system are placed in a ZIP (zero-insertion detection) package, the interactive instruction information is placed in a CSV (common virtual circuit) file, and the signature file and/or the verification file corresponding to each file are used for signature verification and integrity verification.

In another embodiment of the method, the flow of the execution state or the intermediate execution state is realized by modifying the flow and storage of the structural state of the database table.

A method for a system for performing online loan transactions on line based on any one of the above descriptions, comprising:

the loan bank system applies for an execution application executed by a judicial law of one or more businesses through an online execution system, and submits the execution application to a notarization department system through the asynchronous file interaction system;

the notarization department system audits and feeds back an audit result through the asynchronous file interaction system;

if the verification result is that the materials are missing, submitting supplementary materials by the loan bank system through an online execution system, and transmitting the supplementary materials to a notarization department system by the online execution system;

the notarization department system checks the execution application; sending a notice to the lender after the audit is passed;

if the lender has abnormity on the auditing result, feeding back the anti-dialectic material to a notarization department system; similarly, the notary system transmits forensic material to an online execution system through the asynchronous file interaction system;

the online execution system transmits countermeasure materials aiming at the dialectic materials to a notarization department system through the asynchronous file interaction system;

the notarization department system judges an execution book after the related material of the execution application is approved, and transmits the execution book to an online execution system of the loan bank system through the asynchronous file interaction system;

the online loan service online execution system selectively pushes the electronic execution book to the related court to apply for a judicial request or request a notary department mail paper execution book to a loan service bank based on the execution book.

A processing device for performing an online loan transaction online, comprising: at least one processor and a memory for storing processor-executable instructions, the instructions when executed by the processor implement the method of any of the embodiments of the present description.

A loan system comprises an asynchronous file interaction system and an online execution system, wherein the asynchronous file interaction system is connected with a notarization department system and comprises the asynchronous file interaction system in any embodiment of the specification, and the online execution system comprises the online execution system in any embodiment of the specification.

The system and the method for online execution of the online loan service provided by the embodiment of the specification can realize asynchronous instruction interaction and file interaction by butting the notarization position in an asynchronous mode, support judicial execution application of multiple services, realize online execution application submission and the like by butting the online execution system and a bank system, finally realize online issuing of an execution book, and can initiate a corresponding judicial execution request to a court based on the execution book. The embodiment of the specification can be used for on-line connection with a notarization place, has simple execution flow, can quickly and efficiently provide an execution book on line and initiate a judicial execution request for a related court, has the capability of processing a plurality of execution tasks in batches, and can effectively recover the fund loss caused by bad loans on a small and micro financial line.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

Fig. 1 is a schematic structural diagram of a system for performing online loan transaction provided in the present specification;

FIG. 2 is a schematic diagram of a computer terminal structure of a system for performing online loan transactions according to an embodiment of the invention;

FIG. 3 is a schematic flow chart of a method for performing an online loan transaction of a loan transaction provided herein;

fig. 4 is a method provided in the present specification for another system for performing online loan transactions online based on embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

To address the above-discussed deficiencies of the prior art, the present specification provides a system for performing online loan transactions online. The system can be used in the implementation scene of the on-line loan judicial execution processing of the miniscule finance. The following describes an embodiment of the present specification in a specific implementation scenario of miniscule financial application judicial enforcement. Specifically, fig. 1 is a schematic structural diagram of a system for performing online loan transaction provided in this specification. Although the present specification provides the method steps or apparatus and system structures shown in the following examples or figures, more or less steps or modules may be included in the method or system apparatus based on conventional or non-inventive efforts. In the case of steps or structures which do not logically have the necessary cause and effect relationship, the execution sequence of the steps or the module structure of the apparatus is not limited to the execution sequence or structure shown in the embodiment or the drawings in this specification. When the described apparatus, server, system or end product of the method or system structure is applied in an actual device, server, system or end product, the method or module structure shown in the embodiment or the figures may be executed sequentially or executed in parallel (for example, in an environment of parallel processors or multi-thread processing, or even in an implementation environment including distributed processing and server clustering).

Of course, the following description of the embodiments does not limit other extensible solutions based on the present description.

Specifically, an embodiment of the system for performing online loan transaction on line provided in this specification is shown in fig. 1, and may include: the system comprises an asynchronous file interaction system 10 and an online execution system 20, wherein the asynchronous file interaction system comprises an API file server 11 and an application file server 12, the API file server 11 and the application file server 12 interact by adopting a GTP protocol, wherein GTP is a group of IP-based high-level communication vehicle transmission protocols, is positioned on TCP/IP or UDP/IP and other protocols, and is mainly used for supporting a General Packet Radio Service (GPRS) communication protocol in GSM, UMTS and LTE networks;

the online execution system 20 may be configured to initiate an execution application for judicial execution of one or more services, where the execution application for judicial execution includes an execution instruction and a file related to the execution instruction; and is used for transmitting the execution application to the asynchronous file interaction system 10 by using GTP transmission protocol in an asynchronous mode; also used for receiving the latest intermediate execution state of the execution application transmitted by the asynchronous file interaction system 10 or the execution book issued by the notarization department system 14;

the application file server 12 in the asynchronous file interaction system 10 is connected to the online execution system 20, and is configured to receive the execution application; the application server is also used for transmitting the execution application executed by the judicial organization to the API file server 11; the online execution system is further configured to receive an intermediate execution state or an execution book issued by the notarization department system 14 and latest in the execution application of judicial execution transmitted by the API file server 11, and transmit the intermediate execution state or the execution book to the online execution system 20;

the API file server 11 uses SFTP transmission protocol to connect with the notarization department system 14 in an asynchronous mode, and is used for receiving the execution application executed by the judicial practice of one or more services transmitted by the application file server 12 and carrying out signature verification; authentication for login; the document batch transmission notarization department system 14 is further used for transmitting the documents corresponding to the one or more services in batch in a fixed period in an asynchronous mode after the signature verification is passed; and is further configured to receive the latest intermediate execution state of the judicial execution application returned by the notarization department system 14 or the execution book issued by the notarization department system 14, and transmit the latest intermediate execution state or execution book to the application file server 12.

Sftp (secret File Transfer protocol) is a network transport protocol for data stream connection, providing File access, transmission and management functions.

The API file server 11 and the application file server 12 provided in the embodiments of the present specification may form an asynchronous file interaction system, and the asynchronous file interaction system 10 may be used to implement the docking between the notarization department and the lending bank, thereby implementing asynchronous instruction interaction and/or file interaction between the notarization department information bar and the lending bank system, and supporting judicial execution online processing of multiple services in batch, and the execution flow is simple, fast, and efficient.

The API file server in some embodiments may be used for authentication and file signature verification.

And (3) identity authentication: the notarization department system can interface the asynchronous file interaction system through the API file server. When logging in the API file server, the user can apply for the SFTP user and login the public and private keys, and the API file server performs identity verification through the public and private keys.

And (3) file signature verification: the notarization department system can apply for signing the public and private keys when interacting with the asynchronous file interaction system. When the file is sent, the uploaded file and a signature sign file for signing the uploaded file by using a secret key need to be sent, and the API file server uses a public key to sign and check the uploaded file and the corresponding signature sign file, so that the confidentiality of file transmission is ensured. Therefore, in some embodiments, the API file server performs signature and verification based on a public-private key on the transmitted file when performing file interaction with the notarization system. The public and private keys may be public and private key pairs obtained by an asymmetric encryption algorithm including RSA and the like.

The application file server in some embodiments may be used for file storage and file integrity checking. After the API file server passes the verification, the file is transmitted to an application file server for storage; and the application file server performs integrity check on the transmitted file and a check file (check file) corresponding to the file in the transmission process, so that the integrity of the transmitted file is ensured. The check file can be generated by a system or define a set check item according to a check requirement, and can be used for checking the integrity of the file, and the related information of the record file in the check file comprises a file name, a data size and the like. The integrity of the file can be verified at any file transmission stage of the application file server, that is, in some embodiments, the integrity of the file can be verified whether the application file server sends the file to the lending bank system or the API file server or receives the file from the lending bank system or the API file server, so that the integrity of the transmitted file is ensured. Therefore, in another embodiment of the system for performing online loan transaction provided in the present specification, the application file server performs integrity check on the transmitted file through the transmitted file and a check file corresponding to the file during transmission.

In some embodiments of the present description, the asynchronous file interaction system performs batch file transmission in a fixed period in an asynchronous manner, so as to implement batch file interaction and instruction interaction between the notarization processing system and the loan bank system. The system in the embodiment of the present description may support batch uploading of multiple files, and may send the files for a fixed period, for example, batch transmission of the files every 10 minutes. The realization effect is that after a plurality of services are processed simultaneously, a plurality of related service files are generated and are all transmitted to the notarization department system after 10 minutes. In another embodiment, the system for batch-transferring the file corresponding to the one or more services to the notarization office in a fixed period in an asynchronous manner includes:

For example, the fixed period is set to transmit the files of a plurality of services of the loan bank system to the notarization office system in batch every 10 minutes, a first fixed period of 3 minutes may be set to transmit the batch files of the loan bank system to the API file server, and a second fixed period of 7 minutes may be set to transmit the batch files in the API file server to the notarization office system.

The notarization department system can be connected with the API file server and can interact with the API file server through the SFTP protocol. The API file server is transmitted to the application file server for storage and integrity check after passing the check, and the API file server and the application file server can interact through a GTP protocol; the application file server is connected with the loan bank system and can also interact through a GTP protocol.

The execution application executed by the judicial agency usually needs a plurality of files, and in another embodiment of the specification, the files can be classified, packaged and transmitted. Specifically, in another embodiment of the system for performing the online loan transaction online, the transmission file may include a ZIP file package, a CSV file, and a sign file and a check file corresponding to each file; the image and file information transmitted by the loan bank system and the notarization department system are put in a ZIP (ZIP package), the interactive instruction information is put in a CSV (CSV) file, and the signature file and/or the verification file corresponding to each file are used for signature verification and integrity verification, so that the confidentiality and the integrity of file transmission are ensured.

When the online loan transaction system is executed online, the asynchronous file interaction system interacts with the notarization department system, and the loan bank system performs related operations according to the execution state of the execution application executed by the judicial of the online loan service, so that the online execution process of the notarization department can be realized. The embodiment of the specification can support multiple contract operations and can realize batch online execution of multiple online loans.

The online execution processing process may include: and displaying, transferring and storing the execution state of the online loan contract, and performing online operation in a corresponding state. The circulation of each state and the execution of the operation corresponding to the state correspond to each flow in the online execution method. The execution state may include a state of submitting an execution application by judicial execution and an intermediate execution state, and may even include an execution state in which an execution book has been issued. The following table is a schematic table of an execution state (including an intermediate execution state, which may be regarded as one of the execution states) and operations and corresponding flows provided in this specification:

table-execution state of on-line execution processing system and related processing operation and corresponding flow

Therefore, in another embodiment of the present specification, the flow of the execution state or the intermediate execution state is realized by modifying the flow and storage of the structural state of the database table. The circulation and storage of the online execution state can be realized by the circulation and storage of the structure state of the database table. The related operations are executed on line, and the instruction interaction and the file interaction are realized by modifying the state of the database table structure and butting the asynchronous file interaction system.

The following is an example of a process of executing an online application executed by a system for online loan transaction execution according to an embodiment of the present disclosure. The online execution flow may include application submission, replenishment of material, receipt of forensic material, feedback of countermeasure material, receipt of performance books, pushing or mailing of performance books. The concrete flows are as follows:

A. the loan bank firstly carries out 'application submission', submits an execution application instruction to a notarization department, and the notarization department carries out auditing and feeds back an auditing result;

B. if the materials are missing, the lending bank needs to supplement the materials, the supplement materials are fed back to the notarization department, and the notarization department receives the materials and verifies again;

C. after the application materials of the loan bank are approved by the notary department, relevant notice is sent to the lender, the lender has an objection meeting to feed back the dialectical materials, and the loan bank receives the dialectical materials through the notary department;

D. the loan bank checks the materials according to the dialectical materials and feeds the countermaterials back to the notarization department;

E. the notarization department audits and judges the issuing execution book according to the related materials, and the loan bank receives and stores the execution book;

F. after receiving the executive books, the lending bank enters a 'posting or executive book pushing' process and can directly push the executive books to a court to apply for a judicial request, or apply for posting the paper edition of the executive books to a loan service bank, and the loan service bank carries the paper executive books on line and initiates the judicial request by the related court.

Application submission: and the loan bank initiates an application execution instruction to the notarization department through the process. The csv file and the check file corresponding to the csv file can be sent through an asynchronous file interaction system.

Supplementing materials: the loan bank supplements the notarization department with the required materials for execution, including identity information, contract materials and other files required for execution. The method can be realized by sending the csv file, the zip file and the corresponding check file through the asynchronous file interaction system.

Receiving a resist material: the loan bank obtains the disputed dialectic materials of the lender through the notary department through the process, and checks and determines whether to perform subsequent operation. The method can be realized by receiving the csv file, the zip file and the corresponding check file through an asynchronous file interaction system.

Feedback countermeasure material: through which the lending bank submits countermeasure materials against the lender's objection material to the notary. The method can be realized by sending the csv file, the zip file and the corresponding check file through the asynchronous file interaction system.

Thus, in another embodiment of the system, the online execution system 20 may be further configured to obtain contra materials for lender objections through the asynchronous file interaction system 10, and to submit countermaterials for lender objection materials to a notary through the asynchronous file interaction system 10 when determining to proceed with the application.

Receiving an execution book: the final result of the adjudication and the executive book file at the notary department are received by the loan bank through the process. The method can be realized by receiving the csv file, the zip file and the corresponding check file through an asynchronous file interaction system.

Posting or pushing an executive book: the loan bank selects to push the electronic executive books to the related court to apply for judicial request or request the E-mail paper executive books of the notarization department to the loan service bank through the process. The csv file and the corresponding check file can be sent through an asynchronous file interaction system. The service bank may be the service network of the lending bank.

The online loan service online execution system provided by the above embodiment of the present specification can rapidly and efficiently issue an execution book online and directly initiate a judicial request to a related court through online docking of an asynchronous file system to a notary place, specifically perform online, has the characteristics of simple process, has the characteristics of batch processing of multiple service functions and high efficiency, and can effectively recover the fund loss caused by poor loan on a small and micro financial line.

In the present specification, the embodiments of the system described above are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. Reference is made to the description of the method embodiments.

The system embodiments provided in the present specification for online loan transaction online execution may be implemented in a computer terminal, a server cluster, a mobile terminal, a block chain system, a distributed network, or a similar computing device. The apparatus may include a system (including a distributed system), software (applications), modules, components, servers, clients, etc. that employ embodiments of the present description in conjunction with any necessary hardware for implementation. Taking a processing device running on a server as an example, fig. 2 is a schematic structural diagram of a computer terminal of a system for performing online loan transaction on line, to which an embodiment of the invention is applied. As shown in fig. 2, the computer terminal 100 (or mobile device 100) may include one or more processors 102 (the processors 102 may include, but are not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. Besides, the method can also comprise the following steps: a display, an input/output interface (I/O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of the I/O interface), a network interface, a power source, and/or a camera. It will be understood by those skilled in the art that the structure shown in fig. 2 is only an illustration and is not intended to limit the structure of the electronic device. For example, the computer terminal 100 may also include more or fewer components than shown in FIG. 2, and may also include other processing hardware, such as a database or multi-level cache, a display, or have a different configuration than shown in FIG. 2, for example.

It should be noted that the one or more processors 102 and/or other data processing circuitry described above may be referred to generally herein as "data processing circuitry". The data processing circuitry may be embodied in whole or in part in software, hardware, firmware, or any combination thereof. Further, the data processing circuit may be a single stand-alone processing module, or incorporated in whole or in part into any of the other elements in the computer terminal 100 (or mobile device). As referred to in the embodiments of the application, the data processing circuit acts as a processor control (e.g. selection of a variable resistance termination path connected to the interface).

The memory 104 may be used to store software programs and modules of application software, such as program instructions/data storage devices corresponding to the computing resource allocation method in the embodiment of the present application, and the processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, so as to implement the computing resource allocation method described above. The memory 104 may include high speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include memory located remotely from the processor 102, which may be connected to the computer terminal 100 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The transmission device 106 is used for receiving or transmitting data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of the computer terminal 100. In one example, the transmission device 106 includes a Network adapter (NIC) that can be connected to other Network devices through a base station to communicate with the internet. In one example, the transmission device 106 can be a Radio Frequency (RF) module, which is used to communicate with the internet in a wireless manner.

The display may be, for example, a touch screen type Liquid Crystal Display (LCD) that may enable a user to interact with a user interface of the computer terminal 100 (or mobile device).

It should be noted here that in some alternative embodiments, the computer terminal (or mobile device) shown in fig. 2 described above may include hardware elements (including circuitry), software elements (including computer code stored on a computer-readable medium), or a combination of both hardware and software elements. It should be noted that fig. 2 is only one example of a particular specific example and is intended to illustrate the types of components that may be present in the computer device (or mobile device) described above.

Based on the above description of the system embodiment for performing online loan transaction online, one or more embodiments of the present disclosure also provide a method for performing online loan transaction online. Based on the same innovative conception, the embodiments of the present specification provide methods in one or more embodiments as described in the following examples. Because the implementation scheme of the method for solving the problem is similar to that of the device of the online notarization processing system, the specific implementation of the method in the embodiment of the present specification may refer to the implementation of the device, and repeated details are not repeated. As used in the apparatus, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments of the present description are preferably implemented in software, an implementation in hardware or a combination of software and hardware is also possible and contemplated.

Specifically, fig. 3 is a flowchart illustrating a method for performing an online loan transaction of a loan transaction provided in the present specification, where the method may include, as shown in fig. 3:

s30: initiating an execution application of judicial execution of one or more services through an online execution system, wherein the execution application of judicial execution comprises an execution instruction and a file related to the execution instruction; the execution application is further used for transmitting the execution application to the asynchronous file interaction system in an asynchronous mode by using a GTP transmission protocol;

s32: an application file server of the asynchronous file interaction system is in butt joint with the online execution system and receives the execution application; the system is also used for transmitting the execution application executed by the judicial execution to an API file server;

s34: the API file server adopts an asynchronous mode to use an SFTP transmission protocol to be connected with a notarization department system, receives an execution application of judicial execution of one or more services transmitted by the application file server, and performs signature verification; carrying out login authentication; transmitting the files corresponding to the one or more services to a notarization department system in batches in a fixed period in an asynchronous mode after the signature verification is passed;

s36: the API file server receives the latest intermediate execution state of the execution application of the judicial execution returned by the notarization department system or the execution book issued by the notarization department system, and transmits the latest intermediate execution state or the execution book to the application file server;

s38: and the application file server receives the latest intermediate execution state or the execution book and transmits the intermediate execution state or the execution book to the online execution system.

Based on the foregoing description of the system embodiment, this specification provides another embodiment of the method, which may further include:

Based on the foregoing description of the system embodiment, in another embodiment of the method provided in this specification, the application file server performs integrity check on the transmitted file through the transmitted file and a check file corresponding to the file during transmission.

Based on the foregoing description of the system embodiments, in another embodiment of the method provided in this specification, the batch file transfer system for batch transferring the one or more services to the notarization office in an asynchronous manner and at a fixed period includes:

Based on the foregoing description of the system embodiment, in another embodiment of the method provided in this specification, the transmission files include a ZIP file package, a CSV file, and a sign file and a check file corresponding to each file; the image and file information transmitted by the online execution system and the notarization system are placed in a ZIP (zero-insertion detection) package, the interactive instruction information is placed in a CSV (common virtual circuit) file, and the signature file and/or the verification file corresponding to each file are used for signature verification and integrity verification.

Based on the foregoing description of the system embodiment, this specification provides another embodiment of the method, in which the flow of the execution state or the intermediate execution state is implemented by modifying the flow and storage of the structural state of the database table.

It should be noted that the above-mentioned method may also include other implementation manners according to the description of the system embodiment, and the specific implementation manner may refer to the description of the system embodiment in which the related online loan service is executed online, which is not described in detail herein.

In the present specification, each embodiment of the method or system is described in a progressive manner, and the same and similar parts among the embodiments are mutually referred to or described with reference to the corresponding method embodiment, and each embodiment focuses on the difference from the other embodiments. Reference is made to the description of the embodiments of the system. The specific details may be obtained according to the descriptions of the foregoing system embodiments, and all of the details should fall within the scope of the implementation protected by the present application, and further description of implementation schemes of the embodiments one by one is not repeated herein.

The method for performing the online loan service on line or the system for performing the online loan service on line provided in the embodiments of the present specification may be implemented by a processor executing corresponding program instructions in a computer, for example, implemented in a PC using a C + + language of a Windows operating system, implemented based on a Linux system, or implemented in an intelligent terminal using Android and iOS system programming languages, or implemented in a server cluster, cloud processing/cloud computing, and implemented in processing logic based on a quantum computer. The embodiment of the present specification further provides a judicial execution online asynchronous processing device for online loans, which implements the method or the apparatus, and includes: at least one processor and a memory for storing processor-executable instructions, which when executed by the processor perform the steps of implementing any one of the method embodiments of the present description.

The description also provides a loan system, which comprises an asynchronous file interaction system and an online execution system, wherein the asynchronous file interaction system is connected with a notarization department system, the asynchronous file interaction system comprises the asynchronous file interaction system in any embodiment of the description, and the online execution system comprises the online execution system in any embodiment of the description.

The method, apparatus or system provided by this specification and described in the foregoing embodiments may implement service logic through a computer program and record the service logic on a storage medium, where the storage medium may be read and executed by a computer, so as to implement the effects of the solutions described in the embodiments of this specification.

Based on the foregoing description, the specification also provides a method of using an embodiment of a system for online execution of any of the above online loan transactions, as shown in fig. 4, comprising:

The storage medium of the memory may include a physical device for storing information, and generally, the information is digitized and then stored in a medium using an electric, magnetic, or optical method. The storage medium may include: devices that store information using electrical energy, such as various types of memory, e.g., RAM, ROM, etc.; devices that store information using magnetic energy, such as hard disks, floppy disks, tapes, core memories, bubble memories, and usb disks; devices that store information optically, such as CDs or DVDs. Of course, there are other ways of storing media that can be read, such as quantum memory, graphene memory, and so forth.

The foregoing description has been directed to specific embodiments of this disclosure. The embodiments described based on the above embodiments are extensible and still fall within the scope of implementations provided in the present specification. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the hardware + program class embodiment, since it is substantially similar to the method embodiment, the description is simple, and the relevant points can be referred to the partial description of the method embodiment. For example, as shown in fig. 4, an embodiment of an online execution system for online loan provided in this specification may perform face recognition, handwritten signature, notary notification, and mailbox collection according to a notary model after obtaining the notary model; and subsequently, processing the relevant parameters of the notarization model and the information acquired in the process to generate a document required by notarization, finally uploading the parameters required by the notarization and the document required by the notarization to a notarization department, and carrying out notarization processing by a notarization department system.

The embodiments of the present description are not limited to what must be a neural network model/algorithm standard, Paas platform specifications, industry communication standards, standard program languages and data storage rules, or described in one or more embodiments of the present description. Certain industry standards, or implementations modified slightly from those described using custom modes or examples, may also achieve the same, equivalent, or similar, or other, contemplated implementations of the above-described examples. The embodiments using the modified or transformed data acquisition, storage, judgment, processing and the like can still fall within the scope of the alternative embodiments of the embodiments in this specification.

The system and the method for online execution of the online loan service provided by the embodiment of the specification can realize asynchronous instruction interaction and file interaction at a notarization department through asynchronous mode, support judicial execution application of multiple services, realize online application submission, material supplement, dialectical resistance and the like through the connection of an application file server of a bank system and an API file server of a notarization department system, finally realize online delivery of an executive book, and initiate a corresponding judicial execution request to a court based on the executive book. The embodiment of the specification can be used for on-line connection with a notarization place, has simple execution flow, can quickly and efficiently provide an execution book on line and initiate a judicial execution request for a related court, has the capability of processing a plurality of execution tasks in batches, and can effectively recover the fund loss caused by bad loans on a small and micro financial line.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a server system. Of course, this application does not exclude that with future developments in computer technology, the computer implementing the functionality of the above described embodiments may be, for example, a personal computer, a laptop computer, a vehicle-mounted human-computer interaction device, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device or a combination of any of these devices.

Although one or more embodiments of the present description provide method operational steps as described in the embodiments or flowcharts, more or fewer operational steps may be included based on conventional or non-inventive approaches. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or end product executes, it may execute sequentially or in parallel (e.g., parallel processors or multi-threaded environments, or even distributed data processing environments) according to the method shown in the embodiment or the figures. The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded. For example, if the terms first, second, etc. are used to denote names, they do not denote any particular order.

For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. Of course, when implementing one or more of the present description, the functions of each module may be implemented in one or more software and/or hardware, or a module implementing the same function may be implemented by a combination of multiple sub-modules or sub-units, etc. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage, graphene storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

As will be appreciated by one skilled in the art, one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the present specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In the description of the specification, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

The above description is merely exemplary of one or more embodiments of the present disclosure and is not intended to limit the scope of one or more embodiments of the present disclosure. Various modifications and alterations to one or more embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present specification should be included in the scope of the claims.

Claims

1. The system for online executing the online loan service comprises an asynchronous file interactive system and an online executing system, wherein the asynchronous file interactive system comprises an API file server and an application file server, the API file server and the application file server are interacted by adopting a GTP protocol, wherein,

the system comprises an online execution system, a service management system and a service management system, wherein the online execution system is used for initiating an execution application of judicial execution of one or more services, and the execution application of judicial execution comprises an execution instruction and a file related to the execution instruction; the execution application is further used for transmitting the execution application to the asynchronous file interaction system in an asynchronous mode by using a GTP transmission protocol; the system is also used for receiving the latest intermediate execution state of the execution application transmitted by the asynchronous file interaction system or the execution book issued by a notarization system;

an application file server in the asynchronous file interaction system is in butt joint with the online execution system and is used for receiving the execution application; the system is also used for transmitting the execution application executed by the judicial execution to an API file server; the system is also used for receiving the latest intermediate execution state of the judicial execution application transmitted by the API file server or the execution book issued by the notarization system, and transmitting the intermediate execution state or the execution book to the online execution system;

2. The system for the online execution of an online loan transaction as claimed in claim 1, wherein the online execution system is further configured to obtain disputed materials of lenders through the asynchronous document interaction system, and to submit disputed materials for disputed materials of lenders to a notarization office through the asynchronous document interaction system when determining to continue to execute the application.

3. The system for performing an online loan transaction as claimed in claim 1, wherein the application file server performs an integrity check on the transmitted file through the transmitted file and a corresponding check file of the file during the transmission process.

4. The system for performing the online loan transaction as claimed in claim 1, wherein the system for batch transmitting the documents corresponding to the one or more transactions to the notary office in a fixed period in an asynchronous manner comprises:

5. The system for performing online loan transactions as claimed in claim 1, wherein the transmission files include ZIP packages, CSV files, and sign files and check files corresponding to the files; the image and file information transmitted by the online execution system and the notarization department system are placed in a ZIP (zero-insertion detection) package, the interactive instruction information is placed in a CSV (common virtual circuit) file, and the signature file and/or the verification file corresponding to each file are used for signature verification and integrity verification.

6. The system for online execution of an online loan transaction as claimed in claim 1, wherein the flow of the execution state or the intermediate execution state is implemented by modifying the flow and storage of the database table structure state.

7. A method of online loan transaction execution, comprising:

8. The method of online loan transaction of claim 7, performed online, further comprising:

9. The method of claim 7, wherein the application file server checks the integrity of the transmitted document during transmission by using the transmitted document and a corresponding check document of the document.

10. The method for performing online loan transaction as claimed in claim 7, wherein the system for batch transmitting documents corresponding to the one or more transactions to the notary office in a fixed period in an asynchronous manner comprises:

11. The method of claim 7, wherein the transmission files include ZIP file package, CSV file, and sign file and check file corresponding to each file; the image and file information transmitted by the online execution system and the notarization system are placed in a ZIP (zero-insertion detection) package, the interactive instruction information is placed in a CSV (common virtual circuit) file, and the signature file and/or the verification file corresponding to each file are used for signature verification and integrity verification.

12. The method of claim 7, wherein the executing state or the intermediate executing state is transferred by modifying the transferring and storing of the database table structure state.

13. A processing device for performing an online loan transaction online, comprising: at least one processor and a memory for storing processor-executable instructions, the processor when executing the instructions implementing the method of any one of claims 7-12.

14. A loan system comprising an asynchronous document interaction system to interface with a notary system, the asynchronous document interaction system comprising the asynchronous document interaction system of any of claims 1 to 6, and an online execution system comprising the online execution system of any of claims 1 to 6.

15. An online execution method using the system for online execution of the online loan service of any one of claims 1 to 6, comprising: