CN111784509A - Dynamic verification method and device, electronic equipment and storage medium - Google Patents
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Abstract
The embodiment of the invention discloses a dynamic verification method, a dynamic verification device, electronic equipment and a storage medium, wherein the method comprises the following steps: when a borrowing application instruction is received, carrying out primary fund plan matching to determine a first candidate fund party; sending the first associated information to a first candidate fund party so that the first candidate fund party examines and approves the first associated information; if the approval result of the first candidate fund party on the first associated information is failure, performing second fund plan matching to determine a second candidate fund party; if the second candidate fund party is determined to be successful, performing asset verification based on second associated information of the borrowing user configured at the current moment, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result; wherein the second association information is dynamically configured. According to the technical scheme of the embodiment of the invention, the asset checking precision is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of asset information verification, in particular to a dynamic verification method, a dynamic verification device, electronic equipment and a storage medium.
Background
Currently, three parties are typically involved in a loan or loan application, the first being the borrower, the second being the intermediate platform, and the third being the funding party for the loan. The borrowing user sends a borrowing application through the middle platform, the middle platform helps the borrowing user to find a fund party, an agreement is reached between the borrowing user and the fund party, the borrowing user succeeds in borrowing, and the fund party succeeds in putting.
In the borrowing application, the intermediate platform is also responsible for a very important task of checking the credit and other information (called asset information) related to the borrowing of the borrowing user so as to match the borrowing user with the fund party to reach an agreement as soon as possible.
At present, the method for verifying the asset information has the problems of coarse verification granularity, single verification dimension and fixation, so that bad loans cannot be effectively intercepted, and the economic benefits of an intermediate platform and a fund side are seriously influenced.
Disclosure of Invention
The embodiment of the invention provides a dynamic verification method and device, electronic equipment and a storage medium, which improve asset verification precision and achieve the purpose of effectively intercepting unhealthy assets.
In a first aspect, an embodiment of the present invention provides a dynamic verification method, where the method includes:
when a borrowing application instruction is received, first associated information of a borrowing user is obtained;
performing first fund plan matching based on first associated information of a borrower and a preset fund plan to determine a first candidate fund party for the borrower, wherein the fund party is a mechanism for issuing funds to the borrower;
sending first associated information of the borrowing user to the first candidate fund party so that the first candidate fund party can examine and approve the first associated information;
if the approval result of the first candidate fund party on the first associated information is failure, performing second fund plan matching based on the first associated information of the borrowing user and a preset fund plan to determine a second candidate fund party for the borrowing user;
if the second candidate fund party is determined to be successful, performing asset verification on the borrowing user based on second associated information of the borrowing user configured at the current moment, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result;
wherein the second associated information is dynamically configured in relation to the approval of the first associated information by the first candidate funder and the historical behavior of the borrower from the first funding plan match to the asset check.
Further, the first association information includes at least one of: the user type of the borrowing user, the age, the monthly income, the risk level, the credit level, the borrowing times, the borrowing amount, the borrowing period number, the borrowing amount and the repayment mode of the borrowing user;
the second associated information includes at least one of: and the first candidate fund party examines and approves the first associated information and inquires the total credit investigation times of the borrowing user until the asset verification is carried out.
Further, the user type includes at least one of: white collar, students, and individuals.
Further, the acquiring the first associated information of the borrowing user includes:
and acquiring first associated information of the borrowing user based on a third-party data acquisition interface.
Further, the performing of the first fund plan matching based on the first correlation information of the borrower and the preset fund plan to determine the first candidate fund party for the borrower includes:
comparing the dimension information with the highest priority with a corresponding first condition in a preset fund plan based on the sequence of the priorities of all the dimension information in the first associated information from high to low, and filtering out fund parties bound with the first condition if the dimension information with the highest priority is not matched with the first condition;
determining remaining funding parties as the first candidate funding party.
Further, the performing asset verification on the borrowing user based on the second associated information of the borrowing user configured at the current time includes:
determining a numerical value of set dimension information in the second associated information;
and if the numerical value reaches the threshold value, determining that the asset verification result is failure.
Further, the determining whether to send the first association information of the borrower to the second candidate fund party for approval based on the asset verification result includes:
and if the asset verification result is successful, sending the first associated information of the borrowing user to the second candidate fund party for approval, otherwise, intercepting the first associated information to terminate the borrowing operation of the borrowing user.
In a second aspect, an embodiment of the present invention further provides a dynamic verification apparatus, where the apparatus includes:
the system comprises an acquisition module, a payment processing module and a payment processing module, wherein the acquisition module is used for acquiring first associated information of a borrowing user when a borrowing application instruction is received;
the system comprises a first matching module, a second matching module and a third matching module, wherein the first matching module is used for performing first fund plan matching on the basis of first associated information of a borrowed user and a preset fund plan so as to determine a first candidate fund party for the borrowed user, and the fund party is a mechanism for issuing funds to the borrowed user;
the sending module is used for sending the first associated information of the borrowing user to the first candidate fund party so that the first candidate fund party can examine and approve the first associated information;
the second matching module is used for performing second fund plan matching based on the first relevant information of the borrowing user and a preset fund plan if the approval result of the first candidate fund party on the first relevant information is failure, so as to determine a second candidate fund party for the borrowing user;
the verification module is used for performing asset verification on the borrowing user based on second associated information of the borrowing user configured at the current moment if the second candidate fund party is determined to be successful, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result;
wherein the second associated information is dynamically configured in relation to the approval of the first associated information by the first candidate funder and the historical behavior of the borrower from the first funding plan match to the asset check.
In a third aspect, an embodiment of the present invention further provides an apparatus, where the apparatus includes:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a dynamic verification method as in any one of the embodiments of the invention.
In a fourth aspect, embodiments of the present invention further provide a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a dynamic verification method according to any one of the embodiments of the present invention.
According to the technical scheme of the embodiment of the invention, when a borrowing application instruction is received, first associated information of a borrowing user is obtained; performing first fund plan matching based on first associated information of a borrower and a preset fund plan to determine a first candidate fund party for the borrower, wherein the fund party is a mechanism for issuing funds to the borrower; sending first associated information of the borrowing user to the first candidate fund party so that the first candidate fund party can examine and approve the first associated information; if the approval result of the first candidate fund party on the first associated information is failure, performing second fund plan matching based on the first associated information of the borrowing user and a preset fund plan to determine a second candidate fund party for the borrowing user; if the second candidate fund party is determined to be successful, performing asset verification on the borrowing user based on second associated information of the borrowing user configured at the current moment, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result; the second associated information is dynamically configured, and technical means related to the approval result of the first candidate fund party on the first associated information and the historical behavior of the borrowing user from the first fund plan matching to the asset verification are realized, so that the purposes of improving the asset verification precision and effectively intercepting bad assets are achieved.
Drawings
The above and other features, advantages and aspects of various embodiments of the present invention will become more apparent by referring to the following detailed description when taken in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numbers refer to the same or similar elements. It should be understood that the drawings are schematic and that elements and features are not necessarily drawn to scale.
Fig. 1 is a schematic flowchart of a dynamic verification method according to an embodiment of the present invention;
fig. 2 is a schematic flow chart of another dynamic verification method according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a dynamic verification apparatus according to a second embodiment of the present invention;
fig. 4 is a schematic structural diagram of an electronic device according to a third embodiment of the present invention.
Detailed Description
Embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. While certain embodiments of the present invention are shown in the drawings, it should be understood that the present invention may be embodied in various forms and should not be construed as limited to the embodiments set forth herein, but rather are provided for a more thorough and complete understanding of the present invention. It should be understood that the drawings and the embodiments of the present invention are illustrative only and are not intended to limit the scope of the present invention.
It should be understood that the various steps recited in the method embodiments of the present invention may be performed in a different order and/or performed in parallel. Moreover, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the invention is not limited in this respect.
The term "include" and variations thereof as used herein are open-ended, i.e., "including but not limited to". The term "based on" is "based, at least in part, on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". Relevant definitions for other terms will be given in the following description.
It should be noted that the terms "first", "second", and the like in the present invention are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.
It is noted that references to "a", "an", and "the" modifications in the present invention are intended to be illustrative rather than limiting, and that those skilled in the art will recognize that reference to "one or more" unless the context clearly dictates otherwise.
Example one
Fig. 1 is a schematic flow chart of a dynamic verification method according to an embodiment of the present invention, where the method is applicable to a borrowing application, where an intermediate platform verifies relevant information of a borrowed user to find a fund party for the user, help the user to borrow successfully, and intercept an undesirable user to avoid economic loss to the fund party and the intermediate platform. The dynamic verification method provided by this embodiment may be executed by a dynamic verification apparatus, and the apparatus may be implemented in the form of software and/or hardware.
As shown in fig. 1, the dynamic verification method provided in this embodiment includes the following steps:
and 110, acquiring first associated information of the borrowing user when the borrowing application instruction is received.
The borrowing method comprises the steps that a borrowing user can borrow money through an intermediate platform, specifically, a borrowing application is triggered on the intermediate platform, when the borrowing application is triggered, the borrowing user needs to fill in real basic information of the borrowing user, such as age, identity card number, monthly income, repayment mode, borrowing amount, borrowing period number and the like, and when the intermediate platform receives a borrowing application instruction triggered by the borrowing user, the first associated information of the borrowing user is acquired based on the basic information filled in by the borrowing user.
The first associated information comprises the basic information filled by the user and also comprises the related information of the borrowing user acquired through a third party data interface based on the basic information.
Illustratively, the first association information includes at least one of: the user type of the borrowing user, the age, the monthly income, the risk level, the credit level, the borrowing times, the borrowing amount, the borrowing period number, the borrowing amount and the repayment mode of the borrowing user;
the user type includes at least one of: white collar, students, and individuals.
And 120, performing first fund plan matching based on the first associated information of the borrower and a preset fund plan to determine a first candidate fund party for the borrower, wherein the fund party is a mechanism for issuing funds to the borrower.
The preset fund plan specifically refers to a plan of what borrowing users the fund party receives, or a plan of what borrowing users the fund party pays for.
For example, some funders only pay users under the age of 60 years; and some fund parties only pay for users under the age of 45 years; for another example, some fund prescriptions only put 2 ten thousand in a single loan, and do not accept borrowing users with more than 2 ten thousand in a single loan; or some fund parties only support borrowing applications with borrowing period numbers not exceeding 12, and the like, which belong to the content of the preset fund plan.
For example, the performing of the first fund plan matching based on the first correlation information of the borrower and the preset fund plan to determine the first candidate fund party for the borrower includes:
comparing the dimension information with the highest priority with a corresponding first condition in a preset fund plan based on the sequence of the priorities of all the dimension information in the first associated information from high to low, and filtering out fund parties bound with the first condition if the dimension information with the highest priority is not matched with the first condition;
determining remaining funding parties as the first candidate funding party.
The user type of the borrowed user, the age, the monthly income, the risk level, the credit level, the borrowing times, the borrowed amount, the borrowed futures, the borrowed amount or the repayment mode in the first associated information are one dimension information of the first associated information, each dimension information has a priority level, for example, the priority level of the dimension information-the credit level is the highest, and the priority level of the dimension information-the borrowed amount is the second, the fund party cooperating with the platform is firstly screened by the credit level, and then the rest fund parties are screened by the borrowed amount in the second round; and matching the dimension information once according to the mode to finally obtain a fund party capable of receiving the current borrowing user or determine that no fund party capable of receiving the current borrowing user has a matching result.
Wherein the first candidate funder generally comprises a banking institution. After confirming the first associated information of the borrowing user, the intermediate platform sends the first associated information to the determined first candidate fund party which can receive the current borrowing user, and the first candidate fund party further verifies whether to borrow for the current borrowing user.
And 140, if the approval result of the first candidate fund party on the first associated information is failure, performing second fund plan matching on the basis of the first associated information of the borrowing user and a preset fund plan to determine a second candidate fund party for the borrowing user.
For example, when the first fund plan matching is performed, if the fund party bound with the preset fund plan includes the fund party a, when the second fund plan matching is performed, the borrowed amount of the fund party a is 0, and if the fund party bound with the preset fund plan does not include the fund party a.
It should be noted that, if the approval result of the first candidate fund party on the first associated information is successful, the first candidate fund party may borrow the loan from the borrowing user.
Wherein the second associated information is dynamically configured in relation to the approval of the first associated information by the first candidate funder and the historical behavior of the borrower from the first funding plan match to the asset check.
Illustratively, the second associated information includes at least one of: and the first candidate fund party examines and approves the first associated information and inquires the total credit investigation times of the borrowing user until the asset verification is carried out.
The asset verification of the borrowing user based on the configured second associated information of the borrowing user at the current time comprises the following steps:
determining a numerical value of set dimension information in the second associated information;
and if the numerical value reaches the threshold value, determining that the asset verification result is failure.
For example, the set dimension information is total credit investigation times of the borrowing user within a set time period, if the value of the total credit investigation times reaches a threshold value, the borrowing user is considered to be a high-risk user, the borrowing of the borrowing user is bad assets, and at this time, the asset verification result can be determined to be failure. The total credit investigation times of the borrowing user are dynamically changed along with different time, and in order to improve the verification accuracy, the verification condition (namely the second associated information) is configured in real time instead of a fixed and unchangeable verification condition when verification is carried out.
Or, for example, the set dimension information is a risk level of the borrowing user, and if the risk level reaches a threshold value, the borrowing user is considered to be a high-risk user, the borrowing of the borrowing user is a bad asset, and at this time, it is determined that the asset verification result is a failure. The risk level of the user also changes dynamically along with the operation behavior of the user, and in order to improve the verification accuracy, before asset verification is performed, all dimension information in the second associated information of the borrowing user is configured in real time, so that the asset of the borrowing user is verified based on the latest reference information of the borrowing user.
In the scheme of the embodiment, the assets of the borrowing user are checked by referring to the dynamically changed dimension information, so that the assets checking precision is improved, and the aim of effectively intercepting the bad assets can be fulfilled. The second associated information further includes information related to the approval result of the first candidate funder on the first associated information, for example, the approval result is failure, and what is the reason of the failure, and the asset verification may be performed on the borrowed user with reference to the reason of the failure of the approval. By referring to the multi-dimensional related information, the combined verification of the multi-dimensional reference information is realized, the asset verification precision is further improved, and the method is specific
Further, the determining whether to send the first association information of the borrower to the second candidate fund party for approval based on the asset verification result includes:
and if the asset verification result is successful, sending the first associated information of the borrowing user to the second candidate fund party for approval, otherwise, intercepting the first associated information to terminate the borrowing operation of the borrowing user.
Using the above interception strategy, by reference to the approval results of the funder, the risk FPD7 (first 7 days overdue) was reduced from 2.4% to 2.26% by testing to intercept GMV for 3.4% of the transactions.
According to the technical scheme of the embodiment of the invention, when a borrowing application instruction is received, first associated information of a borrowing user is obtained; performing first fund plan matching based on first associated information of a borrower and a preset fund plan to determine a first candidate fund party for the borrower, wherein the fund party is a mechanism for issuing funds to the borrower; sending first associated information of the borrowing user to the first candidate fund party so that the first candidate fund party can examine and approve the first associated information; if the approval result of the first candidate fund party on the first associated information is failure, performing second fund plan matching based on the first associated information of the borrowing user and a preset fund plan to determine a second candidate fund party for the borrowing user; if the second candidate fund party is determined to be successful, performing asset verification on the borrowing user based on second associated information of the borrowing user configured at the current moment, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result; the second associated information is dynamically configured, and technical means related to the approval result of the first candidate fund party on the first associated information and the historical behavior of the borrowing user from the first fund plan matching to the asset verification are realized, so that the purposes of improving the asset verification precision and effectively intercepting bad assets are achieved.
On the basis of the technical solution of the above embodiment, referring to a flow diagram of another dynamic verification method shown in fig. 2, the method specifically includes:
the method comprises the steps that a user triggers a borrowing application through an intermediate platform, first associated information of a borrowing user is obtained, first fund plan matching is conducted on the basis of the first associated information, a first candidate fund party is matched, the first associated information is sent to the first candidate fund party for examination and approval, an examination and approval result returned by the first candidate fund party is received, if the examination and approval is passed, a payment process is initiated, the borrowing is paid to the borrowing user, and then the process is ended; and if the approval is not passed, performing secondary fund plan matching again to obtain a matching result, if a second candidate fund party is matched, further performing asset verification based on dynamically configured second associated information to obtain an asset verification result, if the asset verification result is passed, sending the first associated information to the second candidate fund party for approval, otherwise intercepting the first associated information, terminating the borrowing operation ending process of the borrowing user, and if the second candidate fund party is not matched, directly ending the process.
And the second associated information which is dynamically configured is referred to for asset verification, and when poor assets are found, interception is carried out, so that the asset verification precision is improved, the generation of the poor assets is reduced, and further the economic loss is reduced. It should be noted that, since the second related information is dynamically generated in real time, it cannot be set in advance, and needs to be configured dynamically according to the result of dynamic real-time generation, and by referring to the information related to the borrowed user, which is dynamically generated in real time, the asset verification accuracy is improved.
Example two
Fig. 3 is a dynamic verification apparatus according to a second embodiment of the present invention, where the apparatus includes: an acquisition module 310, a first matching module 320, a sending module 330, a second matching module 340, and a verification module 350.
The obtaining module 310 is configured to obtain first associated information of a borrowing user when a borrowing application instruction is received; a first matching module 320, configured to perform first fund plan matching based on first association information of a borrower and a preset fund plan, so as to determine a first candidate fund party for the borrower, where the fund party is an organization that issues funds to the borrower; a sending module 330, configured to send the first association information of the borrower to the first candidate fund party, so that the first candidate fund party approves the first association information; a second matching module 340, configured to, if the approval result of the first candidate fund party on the first associated information is a failure, perform a second fund plan matching based on the first associated information of the borrower and a preset fund plan, so as to determine a second candidate fund party for the borrower; a verification module 350, configured to perform asset verification on the borrowed user based on second associated information of the borrowed user configured at the current time if it is determined that the second candidate fund party is successful, so as to determine whether to send the first associated information of the borrowed user to the second candidate fund party for approval based on an asset verification result; wherein the second associated information is dynamically configured in relation to the approval of the first associated information by the first candidate funder and the historical behavior of the borrower from the first funding plan match to the asset check.
On the basis of the above technical solution, the first associated information includes at least one of: the user type of the borrowing user, the age, the monthly income, the risk level, the credit level, the borrowing times, the borrowing amount, the borrowing period number, the borrowing amount and the repayment mode of the borrowing user;
the second associated information includes at least one of: the first candidate fund party examines and approves the first associated information and obtains the total credit investigation times of the borrowing user when the asset verification is carried out;
the user type includes at least one of: white collar, students, and individuals.
On the basis of the above technical solution, the obtaining module 310 is specifically configured to: and acquiring first associated information of the borrowing user based on a third-party data acquisition interface.
On the basis of the above technical solution, the first matching module 320 includes:
the matching filtering unit is used for comparing the dimension information with the highest priority with a corresponding first condition in a preset fund plan based on the sequence of the priorities of all the dimension information in the first associated information from high to low, and filtering out the fund party bound with the first condition if the dimension information with the highest priority is not matched with the first condition;
a determining unit to determine remaining funding parties as the first candidate funding party.
On the basis of the above technical solution, the verification module 350 includes:
the determining unit is used for determining the value of the set dimension information in the second associated information;
and the checking unit is used for determining that the asset checking result is failure if the numerical value reaches a threshold value.
On the basis of the above technical solution, the verification module 350 further includes:
the sending unit is used for sending the first associated information of the borrowing user to the second candidate fund party for examination and approval if the asset verification result is successful;
and the intercepting unit is used for intercepting the first associated information if the asset verification result is failure so as to terminate the operation of borrowing the borrowing user.
According to the technical scheme of the embodiment of the invention, when a borrowing application instruction is received, first associated information of a borrowing user is obtained; performing first fund plan matching based on first associated information of a borrower and a preset fund plan to determine a first candidate fund party for the borrower, wherein the fund party is a mechanism for issuing funds to the borrower; sending first associated information of the borrowing user to the first candidate fund party so that the first candidate fund party can examine and approve the first associated information; if the approval result of the first candidate fund party on the first associated information is failure, performing second fund plan matching based on the first associated information of the borrowing user and a preset fund plan to determine a second candidate fund party for the borrowing user; if the second candidate fund party is determined to be successful, performing asset verification on the borrowing user based on second associated information of the borrowing user configured at the current moment, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result; the second associated information is dynamically configured, and technical means related to the approval result of the first candidate fund party on the first associated information and the historical behavior of the borrowing user from the first fund plan matching to the asset verification are realized, so that the purposes of improving the asset verification precision and effectively intercepting bad assets are achieved.
The dynamic verification device provided by the embodiment of the invention can execute the dynamic verification method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.
It should be noted that, the units and modules included in the apparatus are merely divided according to functional logic, but are not limited to the above division as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the embodiment of the invention.
EXAMPLE III
Referring now to fig. 4, a schematic diagram of an electronic device (e.g., the terminal device or server of fig. 4) 400 suitable for implementing embodiments of the present invention is shown. The terminal device in the embodiments of the present invention may include, but is not limited to, a mobile terminal such as a mobile phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a vehicle terminal (e.g., a car navigation terminal), and the like, and a fixed terminal such as a digital TV, a desktop computer, and the like. The electronic device shown in fig. 4 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 4, the electronic device 400 may include a processing means (e.g., a central processing unit, a graphics processor, etc.) 401 that may perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)402 or a program loaded from a storage device 406 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data necessary for the operation of the electronic apparatus 400 are also stored. The processing device 401, the ROM 402, and the RAM 403 are connected to each other via a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
Generally, the following devices may be connected to the I/O interface 405: input devices 406 including, for example, a touch screen, touch pad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.; an output device 407 including, for example, a Liquid Crystal Display (LCD), a speaker, a vibrator, and the like; storage devices 406 including, for example, magnetic tape, hard disk, etc.; and a communication device 409. The communication means 409 may allow the electronic device 400 to communicate wirelessly or by wire with other devices to exchange data. While fig. 4 illustrates an electronic device 400 having various means, it is to be understood that not all illustrated means are required to be implemented or provided. More or fewer devices may alternatively be implemented or provided.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, an embodiment of the invention includes a computer program product comprising a computer program carried on a non-transitory computer readable medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication means 409, or from the storage means 406, or from the ROM 402. The computer program performs the above-described functions defined in the methods of embodiments of the invention when executed by the processing apparatus 401.
The terminal provided by the embodiment of the present invention and the dynamic verification method provided by the embodiment of the present invention belong to the same inventive concept, and technical details that are not described in detail in the embodiment of the present invention may be referred to the embodiment of the present invention, and the embodiment of the present invention has the same beneficial effects as the embodiment of the present invention.
Example four
An embodiment of the present invention provides a computer storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the dynamic verification method provided by the foregoing embodiment.
It should be noted that the computer readable medium of the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
In some embodiments, the clients, servers may communicate using any currently known or future developed network protocol, such as HTTP (HyperText transfer protocol), and may be interconnected with any form or medium of digital data communication (e.g., a communications network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), the Internet (e.g., the Internet), and peer-to-peer networks (e.g., ad hoc peer-to-peer networks), as well as any currently known or future developed network.
The computer readable medium may be embodied in the electronic device; or may exist separately without being assembled into the electronic device.
The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to:
when a borrowing application instruction is received, first associated information of a borrowing user is obtained;
performing first fund plan matching based on first associated information of a borrower and a preset fund plan to determine a first candidate fund party for the borrower, wherein the fund party is a mechanism for issuing funds to the borrower;
sending first associated information of the borrowing user to the first candidate fund party so that the first candidate fund party can examine and approve the first associated information;
if the approval result of the first candidate fund party on the first associated information is failure, performing second fund plan matching based on the first associated information of the borrowing user and a preset fund plan to determine a second candidate fund party for the borrowing user;
if the second candidate fund party is determined to be successful, performing asset verification on the borrowing user based on second associated information of the borrowing user configured at the current moment, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result;
wherein the second associated information is dynamically configured in relation to the approval of the first associated information by the first candidate funder and the historical behavior of the borrower from the first funding plan match to the asset check.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including but not limited to an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software or hardware. Where the name of a cell does not in some cases constitute a limitation on the cell itself, for example, an editable content display cell may also be described as an "editing cell".
The functions described herein above may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), systems on a chip (SOCs), Complex Programmable Logic Devices (CPLDs), and the like.
In the context of the present invention, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The foregoing description is only exemplary of the preferred embodiments of the invention and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the disclosure herein is not limited to the particular combination of features described above, but also encompasses other embodiments in which any combination of the features described above or their equivalents is encompassed without departing from the spirit of the disclosure. For example, the above features and (but not limited to) features having similar functions disclosed in the present invention are mutually replaced to form the technical solution.
Further, while operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous. Likewise, while several specific implementation details are included in the above discussion, these should not be construed as limitations on the scope of the invention. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.
Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are disclosed as example forms of implementing the claims.
Claims (10)
1. A dynamic verification method, comprising:
when a borrowing application instruction is received, first associated information of a borrowing user is obtained;
performing first fund plan matching based on first associated information of a borrower and a preset fund plan to determine a first candidate fund party for the borrower, wherein the fund party is a mechanism for issuing funds to the borrower;
sending first associated information of the borrowing user to the first candidate fund party so that the first candidate fund party can examine and approve the first associated information;
if the approval result of the first candidate fund party on the first associated information is failure, performing second fund plan matching based on the first associated information of the borrowing user and a preset fund plan to determine a second candidate fund party for the borrowing user;
if the second candidate fund party is determined to be successful, performing asset verification on the borrowing user based on second associated information of the borrowing user configured at the current moment, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result;
wherein the second associated information is dynamically configured in relation to the approval of the first associated information by the first candidate funder and the historical behavior of the borrower from the first funding plan match to the asset check.
2. The method of claim 1, wherein the first association information comprises at least one of: the user type of the borrowing user, the age, the monthly income, the risk level, the credit level, the borrowing times, the borrowing amount, the borrowing period number, the borrowing amount and the repayment mode of the borrowing user;
the second associated information includes at least one of: and the first candidate fund party examines and approves the first associated information and inquires the total credit investigation times of the borrowing user until the asset verification is carried out.
3. The method of claim 2, wherein the user type comprises at least one of: white collar, students, and individuals.
4. The method according to any one of claims 1-2, wherein said obtaining the first association information of the borrower comprises:
and acquiring first associated information of the borrowing user based on a third-party data acquisition interface.
5. The method of any one of claims 1-2, wherein the first fund plan match based on the first associated information of the borrower and a pre-set fund plan to determine a first candidate fund for the borrower comprises:
comparing the dimension information with the highest priority with a corresponding first condition in a preset fund plan based on the sequence of the priorities of all the dimension information in the first associated information from high to low, and filtering out fund parties bound with the first condition if the dimension information with the highest priority is not matched with the first condition;
determining remaining funding parties as the first candidate funding party.
6. The method according to any one of claims 1-2, wherein the performing an asset verification on the borrowed user based on the second associated information of the borrowed user configured at the current time comprises:
determining a numerical value of set dimension information in the second associated information;
and if the numerical value reaches the threshold value, determining that the asset verification result is failure.
7. The method of any one of claims 1-2, wherein the determining whether to send the first associated information of the borrower to the second candidate funder for approval based on the asset verification results comprises:
and if the asset verification result is successful, sending the first associated information of the borrowing user to the second candidate fund party for approval, otherwise, intercepting the first associated information to terminate the borrowing operation of the borrowing user.
8. A dynamic verification apparatus, comprising:
the system comprises an acquisition module, a payment processing module and a payment processing module, wherein the acquisition module is used for acquiring first associated information of a borrowing user when a borrowing application instruction is received;
the system comprises a first matching module, a second matching module and a third matching module, wherein the first matching module is used for performing first fund plan matching on the basis of first associated information of a borrowed user and a preset fund plan so as to determine a first candidate fund party for the borrowed user, and the fund party is a mechanism for issuing funds to the borrowed user;
the sending module is used for sending the first associated information of the borrowing user to the first candidate fund party so that the first candidate fund party can examine and approve the first associated information;
the second matching module is used for performing second fund plan matching based on the first relevant information of the borrowing user and a preset fund plan if the approval result of the first candidate fund party on the first relevant information is failure, so as to determine a second candidate fund party for the borrowing user;
the verification module is used for performing asset verification on the borrowing user based on second associated information of the borrowing user configured at the current moment if the second candidate fund party is determined to be successful, and determining whether to send the first associated information of the borrowing user to the second candidate fund party for approval or not based on an asset verification result;
wherein the second associated information is dynamically configured in relation to the approval of the first associated information by the first candidate funder and the historical behavior of the borrower from the first funding plan match to the asset check.
9. An electronic device, characterized in that the electronic device comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the dynamic verification method of any of claims 1-7.
10. A storage medium containing computer-executable instructions for performing the dynamic verification method of any one of claims 1-7 when executed by a computer processor.
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| CN113421157A (en) * | 2021-06-21 | 2021-09-21 | 上海数禾信息科技有限公司 | Borrowing scheme determination method, device, equipment and storage medium |
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