CN111784501B

CN111784501B - System and method for online execution of online loan service

Info

Publication number: CN111784501B
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: 2023-08-25
Anticipated expiration: 2040-06-28
Also published as: CN111784501A

Abstract

The specification provides a system and a method for online execution of an online loan service. One system embodiment may include an asynchronous file interaction system including an API file server, an application file server, and an online execution system. The method can realize asynchronous instruction interaction and file interaction at the certificate issuing department in an asynchronous mode, support the execution application of judicial execution of a plurality of services, realize the on-line execution application submission through the butt joint of an on-line execution system and a banking system, finally realize the on-line 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 online butt joint of notarization, the execution flow is simple, the online execution of the execution book can be quickly and efficiently carried out, the judicial execution request is initiated by butt joint of the relevant court, the capacity of batch processing of a plurality of execution tasks is realized, and the fund loss caused by poor loan on a small micro-finance line can be effectively recovered.

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 main client of the loan on the small micro-finance line is a small micro-enterprise owner, and has the characteristics of simple flow, short time and high efficiency. The lender applies for loan on line and signs related contract and borrowing, and the lender returns the loan according to contract and borrowing agreement after the lender pays money according to the credit, mortgage and other conditions of the client. Aiming at the problem of higher poor rate of loan on small micro-finance lines, the risk control is generally carried out on contracts and borrowing by adopting a means of notarizing the contract and borrowing at a butt notarization department. For small micro-finance online loans with public certificates, if a client returns the loan according to contracts and borrowing conventions and overdue occurs, a loan bank has the right to choose to issue an execution book to a relevant notarization department and submit the execution book to a court for judicial execution, so that the relevant funds loss caused by bad loans is recovered. How to quickly and efficiently issue a performance book at a butt notarization place has become a key problem for saving property loss of small micro-finance loans.

In the prior art, when the off-line execution is performed, the certificate issuing department is needed to be butted for many times on site, related materials are provided according to the actual execution condition in the process, the process is long and complex, the cost is high, the aging time is long, and the efficiency is low. In actual service, a plurality of services are often applied at the same time, and the traditional system cannot process the applied services in batches, which is also a bottleneck problem of service processing.

Disclosure of Invention

The present disclosure aims to provide a system and a method for online execution of an online loan service, which can rapidly and efficiently issue an online execution book and directly initiate a judicial request to a relevant court through an online butt joint notarization of an asynchronous file system, has the characteristics of simple flow, batch processing of multiple service functions and high efficiency, and can effectively recover the fund loss caused by poor loan on a small micro-finance line.

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

the system for online execution of online loan service comprises an asynchronous file interaction system and an online execution system, wherein the asynchronous file interaction system comprises an API file server and an application file server, the API file server and the application file server interact by adopting a GTP protocol, wherein,

the online execution system is used for initiating an execution application of judicial execution of one or more services, wherein the execution application of judicial execution comprises an execution instruction and a file related to the execution instruction; the execution application is transmitted 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 or the execution book issued by the notarization department system transmitted by the asynchronous file interaction system;

The 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 method is also used for transmitting the judicially executed execution application 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 department 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 butt the notarization department system, and is used for receiving an execution application of judicial execution of one or more services transmitted by the application file server and carrying out signature verification; the method is also used for login identity verification; the system is also used for transmitting files corresponding to the one or more businesses in batches to a notarization department system in an asynchronous mode in a fixed period after the signature verification is passed; and the system is also used for receiving the latest intermediate execution state of the judicial execution application returned by the notary system or the execution book issued by the notary 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, via the asynchronous file interaction system, anti-dialectic material of the lender objection, and submit, via the asynchronous file interaction system, the anti-dialectic material for the lender objection to the notarization department when determining to continue executing the application.

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

In another embodiment of the system, the batch file transmission notarization system for transmitting the files corresponding to the one or more businesses in a fixed period in an asynchronous manner includes:

transmitting batch files of the lending banking system to the API file server in a first fixed period;

transmitting the batch files in the API file server to a notarization department system in 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 file includes 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 on-line execution system and the notarization department system are placed in a ZIP (zero-bit-value) package, the interactive instruction information is placed in a CSV (compact disc virtual) file, and signature files and/or verification files corresponding to the files are used for signature verification and integrity verification.

In another embodiment of the system, the streaming of the execution state or the intermediate execution state is implemented by modifying streaming, storing of database table structure states.

A method of online execution of an online loan service, 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 transmitted to the asynchronous file interaction system in an asynchronous mode by using a GTP transmission protocol;

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

the API file server adopts an asynchronous mode to use an SFTP transmission protocol to butt the 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; performing login identity verification; after the signature verification is passed, adopting an asynchronous mode to transmit files corresponding to one or more businesses in batches to a notarization department system in a fixed period;

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

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:

the online execution system obtains the anti-dialectic material of the lender objection through the asynchronous file interaction system, and submits the anti-dialectic material for the lender objection material to the notarization department through the asynchronous file interaction system when the application is determined to be continuously executed.

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

In another embodiment of the method, the system for transferring files corresponding to the one or more businesses in batch in an asynchronous manner with a fixed period includes:

In another embodiment of the method, the transmission file includes a ZIP file package, a CSV file, and sign files and check files corresponding to the files; the image and file information transmitted by the on-line execution system and the notarization department system are placed in a ZIP (ZIP) packet, the interactive instruction information is placed in a CSV (CSV) file, and signature files and/or verification files corresponding to the files are used for signature verification and integrity verification.

In another embodiment of the method, the running of the execution state or the intermediate execution state is implemented by modifying running, storing of the database table structure state.

A method based on the system for online execution of an online loan service as recited in any one of the present specifications, comprising:

the lending bank system applies for an execution application of judicial execution of one or more businesses through the online execution system, and submits the execution application to the 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 auditing result is that the material is missing, the lending bank system submits the supplementary material through an online execution system, and the online execution system transmits the supplementary material to a notarization department system;

the notarization department system carries out auditing on the execution application; after the verification is passed, sending a notification to the lender;

if the lender has abnormality on the auditing result, feeding back anti-dialectic materials to the notarization department system; the system transmits the anti-dialectic material to an online execution system through the asynchronous file interaction system;

the online execution system transmits the countermeasure material for the resist material to a notarization department system through the asynchronous file interaction system;

the notarization department system arbitrates and presents an execution book after the related material audit of the execution application passes, and transmits the execution book to an online execution system of the lending banking system through the asynchronous file interaction system;

the system for online execution of the online loan service selects to push the electronic execution book to the relevant court to apply for judicial requests or request mail paper execution books at notarized places to loan service lines based on the execution book.

A processing device for online execution of an online loan service, comprising: at least one processor and a memory for storing processor-executable instructions that when executed implement the method of any of the embodiments of the present specification.

A loan system comprising an asynchronous document interaction system for interfacing with a notary system, the asynchronous document interaction system comprising an asynchronous document interaction system as described in any of the embodiments of the present specification, and an online execution system comprising an online execution system as described in any of the embodiments of the present 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 the certificate issuing department in an asynchronous mode, support the execution application of judicial execution of a plurality of services, realize online execution application submission and the like by the online execution system and the bank system in a butt joint mode, finally realize online issuing of an execution book, and initiate a corresponding judicial execution request to a court based on the execution book. The embodiment of the specification can be used for online butt joint of notarization, the execution flow is simple, the online execution of the execution book can be quickly and efficiently carried out, the judicial execution request is initiated by butt joint of the relevant court, the capacity of batch processing of a plurality of execution tasks is realized, and the fund loss caused by poor loan on a small micro-finance line can be effectively recovered.

Drawings

In order to more clearly illustrate the embodiments of the present description or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some of the embodiments described in the present description, and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.

FIG. 1 is a schematic diagram of a system for online execution of an online loan service provided herein;

FIG. 2 is a schematic diagram of a computer terminal structure of a system for online execution of an online loan service, to which an embodiment of the invention is applied;

FIG. 3 is a flow chart of a method for online execution of an online loan transaction of the type provided in the present disclosure;

fig. 4 is a method of another system for online execution of an online loan service, based on an embodiment of the present specification, provided by the present specification.

Detailed Description

In order to make the technical solutions in the present specification better understood by those skilled in the art, 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 some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present disclosure.

In order to solve the above-mentioned deficiencies in the prior art, the present specification provides a system for online execution of an online loan service. The system can be used in the implementation scenario of the processing of the judicial execution of loan on a small micro-finance line. Embodiments of the present disclosure are described below in terms of a specific micro-financial application jurisdictional implementation scenario. Specifically, fig. 1 is a schematic diagram of a system structure for online execution of an online loan service provided in the present specification. Although the present description provides methods and apparatus, system configurations as illustrated in the following examples or figures, more or fewer steps or modular units may be included in the methods or system apparatus, either conventionally or without inventive effort. In the steps or structures where there is no necessary causal relationship logically, the execution order of the steps or the module structure of the apparatus is not limited to the execution order or the structure shown in the embodiments or the drawings of the present specification. The described method or system architecture may be implemented sequentially or in parallel (e.g., in a parallel processor or multi-threaded processing environment, or even in an implementation environment including distributed processing, server clusters) in a practical apparatus, server, system, or end product application, as illustrated by the embodiments or figures.

Of course, the description of the embodiments below is not limiting on other scalable solutions based on the present description.

Specifically, an embodiment of the system for online execution of an online loan service provided in the present specification, as shown in fig. 1, 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, and the API file server 11 and the application file server 12 are interacted by adopting a GTP protocol, wherein the GTP is a group of IP-based high-level communication vehicle transmission protocols, is positioned on protocols such as TCP/IP or UDP/IP and is mainly used for supporting a communication protocol of a General Packet Radio Service (GPRS) 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 associated with the execution instruction; and is further configured to transmit the execution request to the asynchronous file interaction system 10 using a GTP transport protocol in an asynchronous manner; and is further configured to receive an intermediate execution state of the latest execution application of the asynchronous file interaction system transmission 10 or an execution book issued by the notarization department system 14;

The application file server 12 in the asynchronous file interaction system 10 is in butt joint with the online execution system 20 and is used for receiving the execution application; and is further configured to transmit the judicially executed execution application to the API file server 11; the system is further configured to receive an intermediate execution state of the latest execution application of judicial execution or an execution book issued by the notarization department system 14 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 in an asynchronous manner to interface with the notarization department system 14, for receiving an execution application of judicial execution of one or more services transmitted by the application file server 12, and performing signature verification; the method is also used for login identity verification; the system 14 is further configured to transmit files corresponding to the one or more services in batch in a fixed period in an asynchronous manner after the signature verification is passed; and is further configured to receive a latest intermediate execution state of the judicial execution application returned by the notarized system 14 or an execution book issued by the notarized 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 that provides file access, transfer and management functions for a data stream connection.

The API file server 11 and the application file server 12 provided in the embodiments of the present disclosure may form an asynchronous file interaction system, and may implement docking between the notarization department and the lending bank through the asynchronous file interaction system 10, so as to implement asynchronous instruction interaction and/or file interaction between the notarization department information strip and the lending bank system, and may support judicial execution on-line processing of a plurality of batches of services, with simple, fast and efficient execution flow.

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

And (3) identity authentication: the notarization department system can interface with the asynchronous file interaction system through the API file server. When a user logs in an API file server, the user can apply for SFTP users and login public and private keys, log in through configuration of a user name and a private key, and the API file server performs identity verification through the public key and the user name.

And (3) verifying file signature: the public certificate department system can apply for a public and private signature when performing file interaction with the asynchronous file interaction system. When the file is sent, the uploading file and the signature file which uses the secret key to sign the uploading file are needed to be sent, and the API file server uses the public key to sign and check the uploading file and the corresponding signature file, so that confidentiality of file transmission is guaranteed. Thus, in some embodiments, the API file server performs public-private key-based signing and verification of the transferred file as it interacts with the notarization system. The public and private keys may be public and private key pairs obtained by an asymmetric encryption algorithm including RSA, etc.

The application file server in some embodiments may be used for file storage and file integrity verification. After the API file server passes the verification, transmitting the file 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 for a system or define a set check item according to check requirements, 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 checking of the integrity of the file can be performed at any file transmission stage of the application file server, that is, in some embodiments, whether the application file server sends the file to the lending bank system or the API file server or receives the file of the lending bank system or the API file server, the integrity of the file can be checked, and the integrity of the transmitted file is ensured. Therefore, in another embodiment of the online loan service online execution system provided in the present disclosure, the application file server performs integrity verification on the transmitted file through the transmitted file and the verification file corresponding to the file in the transmission process.

In some embodiments of the present disclosure, the asynchronous file interaction system performs batch file transfer in a fixed period in an asynchronous manner, so as to implement batch file interaction and instruction interaction between the notarization department system and the lending bank system. The system of the embodiment of the specification can support batch uploading of a plurality of files, and can send the files for a fixed period, for example, batch transmission of the files every 10 minutes. The method has the advantages that after a plurality of services are processed simultaneously, a plurality of related service files are generated, and all the service files are transmitted to a notarization department system after 10 minutes. In another embodiment, the system for transferring files corresponding to the one or more businesses in batch in an asynchronous manner at a fixed period includes:

For example, the fixed period set is to transfer the files of a plurality of businesses of the lending banking system to the notarization department system in batches every 10 minutes, the first fixed period set for 3 minutes may be set to transfer the batch files of the lending banking system to the API file server, and the second fixed period set for 7 minutes may be set to transfer the batch files in the API file server to the notarization department 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. After passing the verification, the API file server transmits the verification to the application file server for storage and integrity verification, and the application file server and the API file server can interact through a GTP protocol; the application file server interfaces with the lending banking system and can also interact through GTP protocol.

The judicially executed execution application typically requires a plurality of files, and in another embodiment of the present disclosure, the files may be classified and packaged for transmission. Specifically, in another embodiment of the system for online execution of the online loan service, 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 lending bank system and the notarization department system are placed in ZIP packets, the interactive instruction information is placed in CSV files, signature files and/or verification files corresponding to the files are used for signature verification and integrity verification, and confidentiality and integrity of file transmission are guaranteed.

When in online execution, the asynchronous file interaction system interacts with the notarization department system, and the lending bank system carries out related operations according to the execution state of the execution application executed by the judicial of the online loan business, so that the online execution flow can be realized at the notarization department. The embodiment of the specification can support multi-contract operation and can realize batch online execution of multi-online loans.

The online execution process may include: and displaying, streaming and storing the execution state of the online loan contract, and performing online execution operation under the corresponding state. The circulation of each state corresponds to the execution of the operation of the corresponding state and corresponds to each flow in the online execution method. The execution state may include a state that the judicial execution submits the execution application and an intermediate execution state, and may even include an execution state that the execution book has been issued. The following table one 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 the present specification:

form one on-line execution processing system execution state and related processing operation and corresponding flow

Thus, in another embodiment of the present specification, the streaming of the execution state or the intermediate execution state is implemented by modifying streaming, storing of database table structure states. The circulation and storage of the on-line execution state can be realized through the circulation and storage of the database table structure state. The related operation is executed online, and the instruction interaction and the file interaction are realized by modifying the state of the database table structure and interfacing the asynchronous file interaction system.

One example of a flow of performing application online processing that is judicially performed using the online loan service online execution system described in the embodiments of the present specification is described below. The online execution flow may include application submission, replenishment of material, receipt of anti-dialant material, feedback of anti-countering material, receipt of an execution form, pushing or mailing of an execution form. The specific circulation is as follows:

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

B. if the material is missing, the lending bank needs to supplement the material, the supplement material is fed back to the notarization department, and the notarization department receives the material for checking again;

C. after the verification of the application material of the lending bank is passed by the notarization department, a related notification is sent to the lender, the lender has an objection meeting to feed back the anti-dialectic material, and the lending bank receives the anti-dialectic material through the notarization department;

D. the lending bank checks according to the anti-dialectic material, and feeds back the anti-dialectic material to the notarization department;

E. the notarization department issues an execution book according to the examination and judgment of the related materials, and the lending bank receives and stores the execution book;

F. after receiving the execution books, the loan bank enters a 'mail or push execution book' process, and can directly push to the court to apply for judicial requests, or apply for paper versions of the mail execution books to a loan service line, and the loan service line carries the paper execution books to the relevant court to initiate judicial requests.

Application submission: and initiating an application execution instruction to the notarization department by the process lending bank. In the application, the csv file and the corresponding check file can be sent through an asynchronous file interaction system.

Supplementary material: the loan bank supplements the notarization department with the required materials for execution through the process, including the files required for execution such as identity information, contract materials and the like. The csv file, the zip file and the corresponding check file can be sent through an asynchronous file interaction system.

Receiving an anti-dialectic material: the lending bank obtains the anti-dialectic material of the objection of the lender through the notarization department through the process, and carries out auditing to determine whether to carry out 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 challenge material: through which the lending bank submits the countermeasures against the lender's objection to the notarization. The csv file, the zip file and the corresponding check file can be sent through an asynchronous file interaction system.

Thus, in another embodiment of the system, the online execution system 20 may also be configured to obtain anti-forensic material for lender objections via the asynchronous file interaction system 10 and to submit the anti-forensic material for lender objection to a notarization via the asynchronous file interaction system 10 as the application continues to be executed.

Receiving an execution book: and receiving a final judging result and an executing book file at the notarization department by the process lending bank. The method can be realized by receiving the csv file, the zip file and the corresponding check file through an asynchronous file interaction system.

Mailing or pushing the execution book: the loan bank selects to push the electronic executing book to the relevant court to apply for judicial request or request the mail paper executing book of the notarized department to the loan service. The csv file and the corresponding check file can be sent through an asynchronous file interaction system. The service line may be a service site of the lending bank.

The system for online execution of the on-line loan service provided by the embodiment of the specification can rapidly and efficiently issue an execution book online and directly initiate a judicial request to a relevant court in a butt joint manner through the on-line butt joint notarization of the asynchronous file system, has the characteristics of simple flow and high efficiency, has the function of processing a plurality of services in batches, and can effectively recover the fund loss caused by poor loan on a small micro-finance line.

In the present specification, all embodiments of the system are described in a progressive manner, and identical and similar parts of all embodiments are referred to each other, and each embodiment focuses on the differences from other embodiments. For relevance, see the description of the method embodiments.

The system embodiments for online execution of online loan services provided in the embodiments of the present disclosure may be implemented in a computer terminal, a server cluster, a mobile terminal, a blockchain system, a distributed network, or similar computing device. The described devices may include systems (including distributed systems), software (applications), modules, components, servers, clients, etc. that employ embodiments of the present description in conjunction with the necessary implementation hardware. Taking a processing device running on a server as an example, fig. 2 is a schematic diagram of a computer terminal of a system for online execution of an online loan service, to which an embodiment of the present invention is applied. As shown in fig. 2, the computer terminal 100 (or mobile device 100) may include one or more processors 102 (the processor 102 may include, but is not limited to, a processing means such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission means 106 for communication functions. In addition, the method may further include: 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 supply, and/or a camera. It will be appreciated by those of ordinary skill in the art that the configuration shown in fig. 2 is merely illustrative and is not intended to limit the configuration of the electronic device described above. For example, computer terminal 100 may also include more or fewer components than shown in FIG. 2, for example, 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.

It should be noted that the one or more processors 102 and/or other data processing circuits described above may be referred to generally herein as "data processing circuits. The data processing circuit may be embodied in whole or in part in software, hardware, firmware, or any other combination. Furthermore, the data processing circuitry 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 embodiments of the application, the data processing circuit acts as a processor control (e.g., selection of the path of the variable resistor termination 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 embodiments of the present application, and the processor 102 executes the software programs and modules stored in the memory 104 to perform various functional applications and data processing, i.e., implement the computing resource allocation method described above. 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 means 106 is arranged to receive or transmit data via a network. The 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 (Network Interface Controller, NIC) that can connect to other network devices through a base station to communicate with the internet. In one example, the transmission device 106 may be a Radio Frequency (RF) module for communicating with the internet wirelessly.

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 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 embodiments of the system for online execution of an online loan transaction, one or more embodiments of the present disclosure further provide a method for online execution of an online loan transaction of the online loan transaction. Based on the same innovative concepts, the embodiments of the present description 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 the device of the online notarization processing system, the implementation of the specific method in the embodiment of the present disclosure may refer to the implementation of the device, and the repetition is omitted. As used in an apparatus, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the embodiments of this specification are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.

Specifically, fig. 3 is a flow chart of a method for online execution of an online loan service of a loan service provided in the present specification, as shown in fig. 3, the method may include:

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 transmitted to the asynchronous file interaction system in an asynchronous mode by using a GTP transmission protocol;

S32: the application file server of the asynchronous file interaction system is in butt joint with the online execution system and receives the execution application; the method is also used for transmitting the judicially executed execution application to an API file server;

s34: the API file server adopts an asynchronous mode to use an SFTP transmission protocol to butt the 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; performing login identity verification; after the signature verification is passed, adopting an asynchronous mode to transmit files corresponding to one or more businesses in batches to a notarization department system in a fixed period;

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

s38: 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 embodiments of the system, in another embodiment of the method provided in the present specification, the method may further include:

Based on the foregoing description of the embodiments of the system, in another embodiment of the method provided by the present disclosure, the application file server performs integrity verification on the transferred file through the transferred file and a verification file corresponding to the transferred file in a transfer process.

Based on the foregoing description of the embodiments of the system, in another embodiment of the method provided in the present disclosure, the batch file transmission notarization system for transmitting, in an asynchronous manner, files corresponding to the one or more services in a fixed period includes:

Based on the foregoing description of the embodiments of the system, in another embodiment of the method provided in the present disclosure, the transmission file includes 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 on-line execution system and the notarization department system are placed in a ZIP (ZIP) packet, the interactive instruction information is placed in a CSV (CSV) file, and signature files and/or verification files corresponding to the files are used for signature verification and integrity verification.

Based on the foregoing system embodiment description, the present specification provides another embodiment of the method, wherein the running of the execution state or the intermediate execution state is implemented by modifying running, storing of the database table structure state.

It should be noted that the description of the above method according to the system embodiment may further include other embodiments, and the specific implementation manner may refer to the description of the system embodiment of online execution of the online loan service, which is not described herein in detail.

In the present specification, each embodiment of the method or system is described in a progressive manner, and the same similar parts of each embodiment refer to or refer to corresponding method embodiments, where each embodiment mainly describes differences from other embodiments. For relevance, see the section of the system embodiment. Specific embodiments may be obtained according to the foregoing description of the embodiments of the system, and all should fall within the scope of the embodiments of the present application, which are not repeated herein for implementation schemes of the embodiments.

The method for online execution of the online loan service or the system for online execution of the online loan service provided in the embodiments of the present disclosure may be implemented in a computer by executing corresponding program instructions by a processor, for example, implemented on a PC side using the c++ language of the Windows operating system, implemented on the basis of a Linux system, or implemented on an intelligent terminal using, for example, android, iOS system programming languages, or implemented on a server cluster, cloud processing/cloud computing, and quantum computer-based processing logic. The embodiment of the specification also provides a judicial execution online asynchronous processing device for online loan, which implements the method or the device, and comprises the following steps: at least one processor and a memory for storing processor-executable instructions that when executed implement the steps described in any of the method embodiments of the present specification.

The present disclosure also provides a loan system, including an asynchronous file interaction system for interfacing with a notarization department system, the asynchronous file interaction system including the asynchronous file interaction system described in any embodiment of the present disclosure, and an online execution system including the online execution system described in any embodiment of the present disclosure.

The method, apparatus or system according to the above embodiments provided in the present specification 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 schemes described in the embodiments of the present specification.

Based on the foregoing description, the present disclosure also provides a method of an embodiment of a system for online execution of an online loan service using any of the foregoing, as shown in fig. 4, including:

The storage medium of the memory may include a physical device for storing information, and typically, the information is stored in a medium using an electrical, magnetic or optical method after being digitized. The storage medium may include: means for storing information using electrical energy such as various memories, e.g., RAM, ROM, etc.; devices for storing information using magnetic energy such as hard disk, floppy disk, magnetic tape, magnetic core memory, bubble memory, and USB flash disk; devices for optically storing information, such as CDs or DVDs. Of course, there are other ways of readable storage medium, such as quantum memory, graphene memory, etc.

The foregoing describes specific embodiments of the present disclosure. The extensible embodiments described based on the above embodiments are still within the scope of implementation provided in the present specification. In some cases, the actions or steps recited in the claims can 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 are also possible or may be advantageous.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a hardware+program class embodiment, the description is relatively simple, as it is substantially similar to the method embodiment, as relevant see 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 the present disclosure may perform face recognition, handwriting signature, notarization and mailbox collection according to a notarization model after obtaining the notarization model; and processing related parameters of the notarization model and the information acquired in the flow to generate a document required by notarization, and finally, sending the parameters required by notarization and the document required by notarization to a notarization department together, and carrying out notarization processing by a notarization department system.

Embodiments of the present description are not limited to necessarily neural network model/algorithm standards, paas platform specifications, industry communication standards, standard programming languages, and data storage rules, or to what is described in one or more embodiments of the present description. Some industry standards or embodiments modified slightly based on the implementation described by the custom manner or examples can also realize the same, equivalent or similar or predictable implementation effect after modification of the above examples. Examples of data acquisition, storage, judgment, processing, etc., using these modifications or variations may still fall within the scope of alternative implementations of the examples of 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 the certificate issuing department in an asynchronous mode, support the execution application of judicial execution of a plurality of services, realize online application submission, material supplement, anti-dialect and the like by connecting an application file server of a bank system and an API file server of a certificate comparing department system, finally realize online execution of the execution specification, and initiate corresponding judicial execution request to a court based on the execution specification. The embodiment of the specification can be used for online butt joint of notarization, the execution flow is simple, the online execution of the execution book can be quickly and efficiently carried out, the judicial execution request is initiated by butt joint of the relevant court, the capacity of batch processing of a plurality of execution tasks is realized, and the fund loss caused by poor loan on a small micro-finance line can be effectively recovered.

In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of 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, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, 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 of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation device is a server system. Of course, the application does not exclude that as future computer technology advances, the computer implementing the functions of the above-described embodiments may be, for example, a personal computer, a laptop computer, a car-mounted human-computer interaction device, a cellular telephone, 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 means. The order of steps recited in the embodiments is merely one way of performing the order of steps and does not represent a unique order of execution. When implemented in an actual device or end product, the instructions may be executed sequentially or in parallel (e.g., in a parallel processor or multi-threaded processing environment, or even in a distributed data processing environment) as illustrated by the embodiments or by 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, it is not excluded that additional identical or equivalent elements may be present in a process, method, article, or apparatus that comprises a described element. For example, if first, second, etc. words are used to indicate a name, but not any particular order.

For convenience of description, the above devices are described as being functionally divided into various modules, respectively. Of course, when one or more of the present description is implemented, the functions of each module may be implemented in the same piece or pieces of software and/or hardware, or a module that implements the same function may be implemented by a plurality of sub-modules or a combination of sub-units, or the like. The above-described apparatus embodiments are merely illustrative, for example, the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

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

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 storage media for a computer 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, read only 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, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

One skilled in the relevant art will recognize that 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. Moreover, one or more embodiments of the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

One or more embodiments of the present specification 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 may 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.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments. In the description of the present specification, a description referring to terms "one embodiment," "some embodiments," "examples," "specific examples," 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 present specification. In this specification, schematic representations of the above terms are not necessarily directed 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, the different embodiments or examples described in this specification and the features of the different embodiments or examples may be combined and combined by those skilled in the art without contradiction.

The foregoing is merely an example of one or more embodiments of the present specification and is not intended to limit the one or more embodiments of the present specification. Various modifications and alterations to one or more embodiments of this description will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, or the like, which is within the spirit and principles of the present specification, should be included in the scope of the claims.

Claims

1. The system for online execution of online loan service comprises an asynchronous file interaction system and an online execution system, wherein the asynchronous file interaction system comprises an API file server and an application file server, the API file server and the application file server interact by adopting a GTP protocol, wherein,

The 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 method is also used for transmitting the judicially executed execution application to an API file server; the system is also used for receiving an execution book which is sent by the API file server and is sent by a system at a notarization department or an intermediate execution state which is latest in an execution application which is carried out by judicial laws and is transmitted by the API file server, and transmitting the intermediate execution state or the execution book to the online execution system;

2. The system for online execution of an online loan transaction of claim 1, wherein the online execution system is further configured to obtain, via the asynchronous file interaction system, anti-dialectic material of the lender objection, and to submit, via the asynchronous file interaction system, the countermaterial for the lender objection material to a notarization department when determining to continue execution of the application.

3. The system for online execution of an online loan service of claim 1, wherein the application file server performs integrity verification on the transmitted file during transmission by the transmitted file and a verification file corresponding to the file.

4. The system for online execution of online loan transactions as recited in claim 1, wherein the system for batch transfer notarization of documents corresponding to the one or more transactions in an asynchronous manner at a fixed period comprises:

5. The system for online execution of online loan service of claim 1, wherein the files in the execution application comprise ZIP file packages, CSV files, sign files and check files corresponding to the files; the image and file information transmitted by the on-line execution system and the notarization department system are placed in a ZIP (zero-bit-value) package, the interactive instruction information is placed in a CSV (compact disc virtual) file, and signature files and/or verification files corresponding to the files are used for signature verification and integrity verification.

6. The system for online execution of an online loan service of claim 1, wherein the execution state or the circulation of the intermediate execution state is realized by modifying circulation and storage of the structural state of the database table.

7. A method of online execution of an online loan service, 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 transmitted to an asynchronous file interaction system in an asynchronous mode by using a GTP transmission protocol;

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

9. The online loan service execution method of claim 7, wherein the application file server performs integrity verification on the transmitted file through the transmitted file and the verification file corresponding to the file in the transmission process.

10. The method for online execution of online loan service of claim 7, wherein the batch transmission notarization system for documents corresponding to the one or more services in an asynchronous manner with a fixed period comprises:

11. The online loan service execution method of claim 7, wherein the files in the execution application comprise ZIP file packages, CSV files, sign files and check files corresponding to the files; the image and file information transmitted by the on-line execution system and the notarization department system are placed in a ZIP (ZIP) packet, the interactive instruction information is placed in a CSV (CSV) file, and signature files and/or verification files corresponding to the files are used for signature verification and integrity verification.

12. The method of online execution of an online loan service of claim 7, wherein the execution state or the flow of intermediate execution states is implemented by modifying the flow, storage of database table structure states.

13. A processing device for online execution of an online loan service, comprising: at least one processor and a memory for storing processor-executable instructions that when executed implement the method of any of claims 7-12.

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

15. An online execution method using the system for online execution of an online loan service as recited in any one of claims 1-6, comprising: