CN111951095A - Credit service processing method and device - Google Patents
Credit service processing method and device Download PDFInfo
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- CN111951095A CN111951095A CN202010799962.3A CN202010799962A CN111951095A CN 111951095 A CN111951095 A CN 111951095A CN 202010799962 A CN202010799962 A CN 202010799962A CN 111951095 A CN111951095 A CN 111951095A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/245—Query processing
Abstract
The invention provides a credit business processing method and device, which can be used in the financial field or other technical fields. The method comprises the following steps: receiving a financing authority opening request sent by a first terminal, wherein the financing authority opening request comprises an application identifier; inquiring and acquiring a corresponding branch mechanism list according to the application identifier, and returning the branch mechanism list to the first terminal; receiving financing authority application information and application verification information sent by the first terminal; and if the application verification information is judged to pass the verification, opening the financing authority based on the financing authority application information. The device is used for executing the method. The credit business processing method and the credit business processing device provided by the embodiment of the invention improve the credit business handling efficiency.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a credit business processing method and device.
Background
With the continuous development of social economy, a large number of small and medium-sized enterprises appear, and the small and medium-sized enterprises make great contributions in the aspects of promoting economic development, solving labor employment, improving technological innovation capability and the like.
However, medium and small-sized enterprises generally have the problem of difficult financing due to the characteristics of weak capital and poor risk resistance of the medium and small-sized enterprises. At present, financing application of small and medium-sized enterprises mainly takes off-line banking as a main part, and a borrower needs to open online banking network financing authority of the enterprise on line and establish credit system credit files off line to apply financing through the online banking of the enterprise, so that financing application procedures are complicated and low in efficiency.
Disclosure of Invention
In view of the problems in the prior art, embodiments of the present invention provide a credit service processing method and apparatus, which can at least partially solve the problems in the prior art.
In one aspect, the present invention provides a credit service processing method, including:
receiving a financing authority opening request sent by a first terminal, wherein the financing authority opening request comprises an application identifier;
inquiring and acquiring a corresponding branch mechanism list according to the application identifier, and returning the branch mechanism list to the first terminal;
receiving financing authority application information and application verification information sent by the first terminal;
and if the application verification information is judged to pass the verification, opening the financing authority based on the financing authority application information.
In another aspect, the present invention provides a credit service processing apparatus, including:
the system comprises a first receiving unit, a second receiving unit and a third receiving unit, wherein the first receiving unit is used for receiving a financing authority opening request sent by a first terminal, and the financing authority opening request comprises an application identifier;
the first query unit is used for obtaining a corresponding branch mechanism list according to the application identification query and returning the branch mechanism list to the first terminal;
the second receiving unit is used for receiving financing authority application information and application verification information sent by the first terminal;
and the opening unit is used for opening the financing authority based on the financing authority application information after judging that the application verification information passes verification.
In yet another aspect, the present invention provides an electronic device, including a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the program to implement the steps of the credit service processing method according to any of the above embodiments.
In yet another aspect, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the credit service processing method according to any of the embodiments described above.
The credit business processing method and the credit business processing device receive a financing authority opening request sent by a first terminal, obtain a corresponding branch mechanism list according to application identification inquiry, return the branch mechanism list to the first terminal, receive financing authority application information and application verification information sent by the first terminal, open financing authority based on the financing authority application information after judging that the application verification information passes verification, realize online opening of financing authority, and improve the credit business handling efficiency.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic structural diagram of a credit service processing system according to an embodiment of the present invention.
Fig. 2 is a flow chart illustrating a method for processing a credit service according to an embodiment of the present invention.
Fig. 3 is a flow chart illustrating a credit service processing method according to another embodiment of the present invention.
Fig. 4 is a flowchart illustrating a credit service processing method according to another embodiment of the present invention.
Fig. 5 is a flowchart illustrating a credit service processing method according to still another embodiment of the present invention.
Fig. 6 is a schematic structural diagram of a credit service processing apparatus according to an embodiment of the present invention.
Fig. 7 is a schematic structural diagram of a credit service processing device according to another embodiment of the present invention.
Fig. 8 is a schematic structural diagram of a credit service processing apparatus according to yet another embodiment of the present invention.
Fig. 9 is a schematic structural diagram of a credit service processing apparatus according to still another embodiment of the present invention.
Fig. 10 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
Fig. 1 is a schematic structural diagram of a credit service processing system according to an embodiment of the present invention, and as shown in fig. 1, the credit service processing system according to the embodiment of the present invention includes a credit server 1, a first terminal 2, a second terminal 3, and an internal banking management server 4, where:
the credit server 1 is respectively connected with the first terminal 2, the second terminal 3 and the internet bank internal management server 4 in a communication mode. The credit server 1 and the online bank internal management server 4 may be implemented by using servers, the first terminal 2 includes, but is not limited to, a desktop computer, a notebook computer, and the like, and the second terminal 3 includes, but is not limited to, a desktop computer, a notebook computer, a smart phone, a tablet computer, and the like.
The client logs in the enterprise online bank through the first terminal 1 to apply for financing authority and apply for financing. The credit server 1 is used as an execution subject to execute the processing method of the credit service provided by the embodiment of the invention.
Fig. 2 is a schematic flow chart of a method for processing a credit service according to an embodiment of the present invention, and as shown in fig. 2, the method for processing a credit service according to an embodiment of the present invention includes:
s201, receiving a financing authority opening request sent by a first terminal, wherein the financing authority opening request comprises an application identifier;
specifically, before applying for financing, the client may send a request for opening financing authority to a credit server through the first terminal, and the credit server may receive the request for opening financing authority. Wherein, the request for opening financing authority includes an application identifier. The application identifier can be a U-shield identifier and is set according to actual needs, and the embodiment of the invention is not limited. Customers may include both regular law makers and small micro-enterprises in embodiments of the present invention.
For example, a client inserts a U shield into the first terminal, logs in to an online banking enterprise through the first terminal, clicks a virtual key for "opening financing authority" on an online banking enterprise interface, and after the first terminal detects that the client clicks the virtual key for "opening financing authority", the first terminal obtains a U shield identifier of the U shield as an application identifier and sends a request for opening financing authority to the credit server. The U shield has a unique U shield identifier, and the U shield can be handled by a client when the online bank of the enterprise is opened.
S202, inquiring to obtain a corresponding branch mechanism list according to the application identification, and returning the branch mechanism list to the first terminal;
specifically, after receiving the financing authority opening request, the credit server may query a branch list corresponding to the application identifier according to the application identifier, and then return the branch list corresponding to the application identifier obtained by the query to the first terminal. The corresponding relation between the application identification and the branch mechanism is preset, and the application identification can correspond to one branch structure and also can correspond to a plurality of branch mechanisms.
For example, for a single customer, the credit server may obtain a unique affiliate from the application identification query; for a clique customer, the credit server may query for a plurality of branches based on the application identification. Wherein, the client with one branch office is a single client, and the client with a plurality of branch offices is a group client.
S203, receiving financing authority application information and application verification information sent by the first terminal;
specifically, after receiving the branch list, the first terminal may display the branch list, and simultaneously display the network financing authority category for the client to select. After receiving the selection of the branch office and the selection of the network financing authority type by the client, the first terminal generates financing authority application information and application verification information, and then sends the financing authority application information and application verification information to the credit server. The credit server may receive the financing authority application information and application verification information. The network financing authority category includes, but is not limited to, queryable, maintainable and operable, and is set according to actual needs, which is not limited in the embodiments of the present invention.
For example, the corresponding certificate identification of the selected branch office can be inquired about the borrowing contract at the enterprise online bank by the selection inquireable representation; selecting the corresponding certificate identification which can be operated to represent the selected branch institution and can self-help transact the business of withdrawing money, repayment and the like in the enterprise online banking; the selection can maintain the number indicating that the corresponding certificate identification of the selected branch can add and delete the borrowing contract at the enterprise online bank.
For example, for the single client, the first terminal displays a branch office, and simultaneously displays three network financing authority categories which can be inquired, maintained and operated for the client to check. Aiming at the group client, the first terminal displays a plurality of branch mechanisms, and only displays the types of the inquired network financing authority for the client to check, and the group client can only select one branch mechanism.
For example, the application verification information may be generated by a managed U shield and a review U shield. The client inserts a handling U shield and a rechecking U shield into the first terminal, and after the client selects and completes the branch organization and the network financing authority types, the first terminal can obtain a first verification character string generated by the handling U shield and a second verification character string generated by the rechecking U shield as application verification information. The rechecking U shield can be handled by a client when the online bank of the enterprise is opened.
And S204, if the application verification information is judged to pass the verification, opening the financing authority based on the financing authority application information.
Specifically, after receiving the financing authority application information and the application verification information, the credit server verifies the application verification information, and opens financing authority for the client according to the financing authority application information after the application verification information passes verification.
For example, the application verification information includes a first verification string generated by the office U shield and a second verification string generated by the review U shield, the credit server verifies the first verification string based on the digital certificate of the office U shield and verifies the second verification string based on the digital certificate of the review U shield, and the application verification information is verified after the first verification string and the second verification string are both verified. The digital certificate of the handling U shield and the digital certificate of the rechecking U shield are pre-stored in the credit server, and the specific verification process of the handling U shield and the rechecking U shield is the prior art and is not described herein again.
The credit business processing method provided by the embodiment of the invention receives the financing authority opening request sent by the first terminal, inquires and obtains the corresponding branch mechanism list according to the application identifier, returns the branch mechanism list to the first terminal, receives the financing authority application information and the application verification information sent by the first terminal, and opens the financing authority based on the financing authority application information after judging that the application verification information passes verification, thereby realizing online opening of the financing authority and improving the credit business handling efficiency. In addition, the network financing authority is opened on line by self, the credit business handling process is simplified, a paper application form is not required to be filled, official stamps are not required to be added, a client can handle the application of the financing business conveniently, and the client experience is improved.
On the basis of the above embodiments, further, the financing authority application information includes branch institutions and network financing authority types; correspondingly, the opening of the financing authority based on the financing authority application information comprises:
and sending a financing opening instruction to an internal management server of the internet bank to open the financing authority of the branch organization, wherein the financing opening instruction comprises host guest programming and network financing authority types of the branch organization.
Specifically, the financing authority application information sent by the first terminal to the credit server includes branch authorities and network financing authority categories. And the credit server carries the host guest editing and the network financing authority category of the branch organization in a financing opening instruction and sends the financing opening instruction to the online bank internal management server. And after receiving the financing opening instruction, the online bank internal management server opens financing authority for the branch organization, and the host of the branch organization is coded as a client information number in a guest mode. The host guest is used for identifying corresponding branches, the branches correspond to the host guest one by one, and the host guest is set according to actual needs.
Fig. 3 is a schematic flow chart of a credit service processing method according to another embodiment of the present invention, and as shown in fig. 3, the credit service processing method according to the embodiment of the present invention further includes:
s301, receiving a change financing authority request sent by the first terminal, wherein the change financing authority request comprises a change identifier;
specifically, after the financing authority is opened, the client may change the financing authority. The client may send a change financing authority request to the credit server via the first terminal, and the credit server may receive the change financing authority request. Wherein the change financing authority request comprises a change identifier. The change identifier can be a U-shield identifier, and is set according to actual needs, which is not limited in the embodiments of the present invention.
For example, the client inserts the U shield into the first terminal, logs in to an online banking enterprise through the first terminal, clicks a virtual key for "change financing authority" on an online banking enterprise interface, and after detecting that the client clicks the virtual key for "change financing authority", the first terminal acquires a U shield identifier of the U shield as a change identifier and sends a request for changing financing authority to the credit server.
S302, inquiring and obtaining a corresponding branch mechanism list and an opened network financing authority type according to the change identifier, and returning the branch mechanism list and the network financing authority type to the first terminal;
specifically, after receiving the change financing authority request, the credit server may query, according to the change identifier, a branch office list corresponding to the change identifier and an already opened network financing authority category, and then return, to the first terminal, the branch office list corresponding to the change identifier and the already opened network financing authority category obtained through the query. And the corresponding relation between the change identifier and the branch mechanism list and the opened network financing authority category is stored in advance.
S303, receiving financing authority change information and change verification information sent by the first terminal;
specifically, after receiving the branch organization list and the opened network financing authority category, the first terminal may display the branch organization list and display the network financing authority category, where the branch organization having opened the financing authority and the opened network financing authority category are in a selected state. The client checks the branch mechanism list and the opened network financing authority type at the first terminal, and can change the branch mechanism with opened financing authority and/or change the opened network financing authority type. After receiving the change of the branch office and/or the network financing authority category by the client, the first terminal generates financing authority change information and change verification information, and then sends the financing authority change information and the change verification information to the credit server. The credit server may receive the financing authority alteration information and alteration verification information. The generation process of the changed verification information is similar to the generation process of the applied verification information, and is not described herein again.
For example, the customer is a group customer, the customer changes the branch organization which opens the financing authority from the branch organization 1 to the branch organization 2, and the first terminal may send the branch organization 2 to the credit server by carrying it in the financing authority change information.
For example, the client is a single client, the client changes the network financing authority category from queriable to operable, and the first terminal can send the operable information carried in the financing authority change information to the credit server.
For example, if the customer cancels the check on the network financing authority category of the branch organization having opened the financing authority and does not select another network financing authority category, the first terminal may carry the indication of canceling the financing authority in the financing authority change information and send the indication of canceling the financing authority to the credit server.
S304, if the change verification information is judged to pass the verification, the financing authority is changed based on the financing authority change information.
Specifically, after receiving the financing authority modification information and the modification verification information, the credit server verifies the modification verification information, and modifies the financing authority of the client according to the financing authority modification information after the modification verification information passes verification. The specific verification process of the changed verification information is similar to the verification process of the applied verification information, and is not described herein again.
For example, the client changes the branch organization which opens the financing authority from the branch organization 1 to the branch organization 2, and the first terminal may send the branch organization 2 to the credit server by carrying it in the financing authority change information. After the change verification information passes the verification, the credit server closes the financing authority of the branch organization 1 and opens the financing authority of the branch organization 2.
For example, if the customer cancels the check on the network financing authority category of the branch organization having opened the financing authority and does not select another network financing authority category, the first terminal may carry the indication of canceling the financing authority in the financing authority change information and send the indication of canceling the financing authority to the credit server. And the credit server closes the financing authority of the client after the change verification information passes the verification.
It can be understood that, for a single client, the change of the financing authority includes two situations of changing the network financing authority category and closing the financing authority, when the network financing authority category is changed, the financing authority of the client is still, but the network financing authority category is changed; after closing the financing authority, the financing authority of the client is closed, and if the client wants to apply for financing, the financing authority needs to be opened again.
For group customers, the change of the financing authority comprises two conditions of the change of a branch mechanism and the closing of the financing authority, when the branch mechanism is changed, the financing authority of the customer is still at, but the authorized branch mechanism is changed; after closing the financing authority, the financing authority of the client is closed, and if the client wants to apply for financing, the financing authority needs to be opened again.
On the basis of the foregoing embodiments, further, the querying to obtain a corresponding branch office list according to the application identifier, and returning the branch office list to the first terminal includes:
if the fact that the branch mechanism list of the application identification pair comprises one branch mechanism is judged and obtained, returning the branch mechanism to the first terminal so that the first terminal can display a plurality of network financing authority types corresponding to the branch mechanism;
specifically, after receiving the financing authority opening request, the credit server may query a branch office list corresponding to the application identifier according to the application identifier, then count the number of branch offices included in the branch office list corresponding to the application identifier, and return one branch office to the first terminal if the branch office list includes one branch office. After receiving the branch, the first terminal may display the branch, and simultaneously display a plurality of network financing authority categories corresponding to the branch for the client to select. Wherein the plurality of network financing authority categories include, but are not limited to, queryable, maintainable and operational three network financing authority categories.
On the basis of the foregoing embodiments, further, the querying to obtain a corresponding branch office list according to the application identifier, and returning the branch office list to the first terminal includes:
and if the judgment result shows that the branch mechanism list of the application identification pair comprises a plurality of branch mechanisms, returning the plurality of branch mechanisms to the first terminal so that the first terminal displays a network financing authority category corresponding to the plurality of branch mechanisms.
Specifically, after receiving the financing authority opening request, the credit server may query a branch office list corresponding to the application identifier according to the application identifier, then count the number of branch offices included in the branch office list corresponding to the application identifier, and return the branch offices to the first terminal if the branch office list includes a plurality of branch offices. After receiving the plurality of branches, the first terminal may display the plurality of branches, and simultaneously display a network financing authority category corresponding to the plurality of branches for the client to select. Wherein, a network financing authority category corresponding to the plurality of branch offices may be queryable. The customer can only select one branch office. Since the group client has a plurality of branches, in order to avoid the abuse of the network financing authority category, each branch is configured with the same network financing authority category, such as inquiry, so as to improve the security.
Fig. 4 is a schematic flow chart of a credit service processing method provided by yet another embodiment of the present invention, and as shown in fig. 4, on the basis of the foregoing embodiments, further, the credit service processing method provided by an embodiment of the present invention further includes:
s401, receiving a financing application request sent by the first terminal, wherein the financing application request comprises client information and financing application verification information;
specifically, after the financing authority is opened, the client can send a financing application request to the credit server through the first terminal, and the credit server can receive the financing application request. Wherein the financing application request comprises client information and financing application verification information. The customer information includes, but is not limited to, customer basic information, customer financing information, business information, and the like, and is set according to actual needs, which is not limited in the embodiments of the present invention.
For example, a client inserts a transaction U shield and a review U shield into the first terminal, logs in to an online bank of an enterprise through the first terminal, clicks a virtual key of a financing application on an interface of the online bank of the enterprise, and after the first terminal detects the clicking operation of the virtual key of the financing application by the client, an application information entry interface is displayed, and the client inputs client information, such as client basic information of company name, legal owner, address and the like, client financing information of loan amount, loan term, mortgage and the like, and business information of industry, business scope, business amount, profit and the like. After the first terminal detects that the customer completes customer information input, a first verification character string generated by the handling U shield and a second verification character string generated by the review U shield can be acquired as financing application verification information. The customer information and the financing application verification information are then sent to the credit server.
S402, if the financing application verification information is judged to pass the verification, generating a financing instruction and storing the customer information.
Specifically, the credit server verifies the financing application verification information after receiving the customer information and the financing application verification information, generates a financing instruction and stores the customer information after the financing application verification information passes verification, and can correspond the customer information with a host customer. The financing instruction is used for prompting related personnel that a client applies for financing, and the financing instruction can comprise the host client.
Fig. 5 is a schematic flow chart of a credit service processing method according to still another embodiment of the present invention, and as shown in fig. 5, on the basis of the foregoing embodiments, further, the credit service processing method according to the embodiment of the present invention further includes:
s501, sending the financing instruction to a second terminal;
specifically, after the credit server generates the financing instruction, the financing instruction may be sent to a second terminal to prompt relevant personnel to process a financing application of a customer, and the second terminal may receive the financing instruction. Wherein the related personnel is, for example, a customer manager.
S502, receiving a credit file establishing request sent by the second terminal, and automatically filling filing information based on the customer information;
specifically, after receiving the financing instruction, the second terminal displays the financing instruction for the relevant personnel to view, the relevant personnel processes the financing application, if the customer has not established a credit profile, the relevant personnel sends a credit profile establishment request to the credit server through the second terminal, and the credit server receives the credit profile establishment request. After receiving the credit file establishment request, the credit server can fill filing information based on the customer information and can also query customer related information through a business data interface to fill the filing information. The profiling information includes, but is not limited to, a registration address, an establishment date, an affiliated industry, an operation range, the number of employees, an enterprise state, etc., and is set according to actual needs, and the embodiment of the present invention is not limited.
S503, sending the filing information to the second terminal;
specifically, after the credit server is filled with the filing information, the credit server sends the filing information to the second terminal, and the second terminal displays the filing information on a credit profile establishing page for the relevant personnel to view. The related personnel can check the filing information, supplement wrong information or missing information, and after the completion and the absence of the filing information are confirmed, the filing confirmation information is sent to the credit server through the second terminal, and can carry the complete filing information.
And S504, after the filing confirmation information sent by the second terminal is received, the credit file establishment is completed.
Specifically, the credit server may establish a credit profile for the guest after receiving the filing confirmation information transmitted by the second terminal, and may correspond the credit profile to the host guest. After the credit file of the customer is established, a subsequent approval process can be carried out, and after approval is passed, the customer can be paid.
The credit business processing method provided by the embodiment of the invention realizes the online establishment of the credit file for the client, realizes the automatic filling of the filing information, does not need to perform the credit filing through the offline process, reduces the waiting time of the client and improves the credit filing efficiency. By establishing the credit file on line, the case workload of related personnel can be reduced, and the credit business processing efficiency of the financial institution is improved.
Because the financing requirements of the small and micro enterprises have the characteristic of short frequency and urgency, the credit business processing method provided by the embodiment of the invention can be used for quickly and standardizing credit business processing and improving the credit business processing efficiency, thereby improving the financing efficiency of the small and micro enterprises.
Fig. 6 is a schematic structural diagram of a credit service processing apparatus provided in an embodiment of the present invention, and as shown in fig. 6, the credit service processing apparatus provided in an embodiment of the present invention includes a first receiving unit 601, a first querying unit 602, a second receiving unit 603, and an opening unit 604, where:
the first receiving unit 601 is configured to receive a financing authority opening request sent by a first terminal, where the financing authority opening request includes an application identifier; the first query unit 602 is configured to obtain a corresponding branch list according to the application identifier query, and return the branch list to the first terminal; the second receiving unit 603 is configured to receive financing authority application information and application verification information sent by the first terminal; the opening unit 604 is configured to open the financing authority based on the financing authority application information after it is judged that the application verification information passes verification.
Specifically, before applying for financing, the client may send a request for opening financing authority to the first receiving unit 601 through the first terminal, and the first receiving unit 601 may receive the request for opening financing authority. Wherein, the request for opening financing authority includes an application identifier. The application identifier can be a U-shield identifier and is set according to actual needs, and the embodiment of the invention is not limited. Customers may include both regular law makers and small micro-enterprises in embodiments of the present invention.
After receiving the financing authority opening request, the first query unit 602 may query a branch list corresponding to the application identifier according to the application identifier, and then return the branch list corresponding to the declaration identifier obtained by the query to the first terminal. The corresponding relation between the application identification and the branch mechanism is preset, and the application identification can correspond to one branch structure and also can correspond to a plurality of branch mechanisms.
After receiving the branch office list, the first terminal may display the branch office list and display the network financing authority category for the client to select. After receiving the selection of the branch office and the selection of the network financing authority type by the client, the first terminal generates financing authority application information and application verification information, and then sends the financing authority application information and application verification information to the second receiving unit 603. The second receiving unit 603 receives the financing authority application information and the application verification information. The network financing authority category includes, but is not limited to, queryable, maintainable and operable, and is set according to actual needs, which is not limited in the embodiments of the present invention.
After receiving the financing authority application information and the application verification information, the opening unit 604 verifies the application verification information, and opens the financing authority for the client according to the financing authority application information after the application verification information passes verification.
The credit service processing device provided by the embodiment of the invention receives a financing authority opening request sent by the first terminal, inquires and obtains a corresponding branch mechanism list according to the application identifier, returns the branch mechanism list to the first terminal, receives financing authority application information and application verification information sent by the first terminal, and opens financing authority based on the financing authority application information after judging that the application verification information is verified, so that online opening of financing authority is realized, and the credit service handling efficiency is improved. In addition, the network financing authority is opened on line by self, the credit business handling process is simplified, a paper application form is not required to be filled, official stamps are not required to be added, a client can handle the application of the financing business conveniently, and the client experience is improved.
On the basis of the above embodiments, further, the financing authority application information includes branch institutions and network financing authority types; correspondingly, the provisioning unit 604 is specifically configured to:
and sending a financing opening instruction to an internal management server of the internet bank to open the financing authority of the branch organization, wherein the financing opening instruction comprises host guest programming and network financing authority types of the branch organization.
Specifically, the financing authority application information sent by the first terminal includes a branch organization and a network financing authority category. The provisioning unit 604 will carry the host guest programming and the network financing authority category of the branch office in the financing provisioning instruction and send the financing provisioning instruction to the online bank internal management server. And after receiving the financing opening instruction, the online bank internal management server opens financing authority for the branch organization, and the host of the branch organization is coded as a client information number in a guest mode. The host guest is used for identifying corresponding branches, the branches correspond to the host guest one by one, and the host guest is set according to actual needs.
Fig. 7 is a schematic structural diagram of a credit service processing apparatus provided in another embodiment of the present invention, and as shown in fig. 7, on the basis of the above embodiments, further, the credit service processing apparatus provided in an embodiment of the present invention further includes a third receiving unit 605, a second querying unit 606, a fourth receiving unit 607 and a changing unit 608, where:
a third receiving unit 605 is configured to receive a change financing authority request sent by the first terminal, where the change financing authority request includes a change identifier; the second query unit 606 is configured to query and obtain a corresponding branch mechanism list and an opened network financing authority type according to the change identifier, and return the branch mechanism list and the network financing authority type to the first terminal; the fourth receiving unit 607 is configured to receive financing authority change information and change verification information sent by the first terminal; the changing unit 608 is configured to change the financing authority based on the financing authority change information after determining that the change verification information is verified.
Specifically, after the financing authority is opened, the client may change the financing authority. The client may send a change financing authority request to the third receiving unit 605 through the first terminal, and the third receiving unit 605 may receive the change financing authority request. Wherein the change financing authority request comprises a change identifier. The change identifier can be a U-shield identifier, and is set according to actual needs, which is not limited in the embodiments of the present invention.
After receiving the change financing authority request, the second query unit 606 may query the branch organization list corresponding to the change identifier and the already opened network financing authority type according to the change identifier, and then return the branch organization list corresponding to the change identifier and the already opened network financing authority type obtained by the query to the first terminal. And the corresponding relation between the change identifier and the branch mechanism list and the opened network financing authority category is stored in advance.
After receiving the branch mechanism list and the opened network financing authority category, the first terminal can display the branch mechanism list and simultaneously display the network financing authority category, wherein the branch mechanism with the financing authority opened and the opened network financing authority category are in a selected state. The client checks the branch mechanism list and the opened network financing authority type at the first terminal, and can change the branch mechanism with opened financing authority and/or change the opened network financing authority type. After receiving the change of the branch office and/or the network financing authority category by the client, the first terminal generates financing authority change information and change verification information, and then sends the financing authority change information and change verification information to the fourth receiving unit 607. The fourth receiving unit 607 receives the financing authority change information and the change verification information. The generation process of the changed verification information is similar to the generation process of the applied verification information, and is not described herein again.
After receiving the financing authority modification information and the modification verification information, the modification unit 608 verifies the modification verification information, and modifies the financing authority of the client according to the financing authority modification information after the modification verification information is verified. The specific verification process of the changed verification information is similar to the verification process of the applied verification information, and is not described herein again.
Fig. 8 is a schematic structural diagram of a credit service processing apparatus provided by yet another embodiment of the present invention, and as shown in fig. 8, on the basis of the above embodiments, further, the credit service processing apparatus provided by an embodiment of the present invention further includes a fifth receiving unit 609 and a generating unit 610, where:
a fifth receiving unit 609 is configured to receive a financing application request sent by the first terminal, where the financing application request includes client information and financing application verification information; the generating unit 610 is configured to generate a financing instruction and store the customer information after judging that the financing application verification information is verified.
Specifically, after the financing authority is opened, the client may send a financing application request to the credit server through the first terminal, and the fifth receiving unit 609 may receive the financing application request. Wherein the financing application request comprises client information and financing application verification information. The customer information includes, but is not limited to, customer basic information, customer financing information, business information, and the like, and is set according to actual needs, which is not limited in the embodiments of the present invention.
After receiving the customer information and the financing application verification information, the generation unit 610 may verify the financing application verification information, and after the financing application verification information passes the verification, generate a financing instruction and store the customer information, which may correspond to the customer of the host. The financing instruction is used for prompting related personnel that a client applies for financing, and the financing instruction can comprise the host client.
Fig. 9 is a schematic structural diagram of a credit service processing apparatus provided by yet another embodiment of the present invention, and as shown in fig. 9, on the basis of the above embodiments, further, the credit service processing apparatus provided by the embodiment of the present invention further includes a first sending unit 611, a sixth receiving unit 612, a second sending unit 613, and a establishing unit 614, where:
the first sending unit 611 is configured to send the financing instruction to the second terminal; a sixth receiving unit 612 is configured to receive a credit file establishment request sent by the second terminal, and automatically fill the filing information based on the customer information; a second sending unit 613 is configured to send the profiling information to the second terminal; the establishing unit 614 is used for completing the credit file establishment after receiving the filing confirmation information sent by the second terminal.
Specifically, after generating the financing instruction, the first sending unit 611 may send the financing instruction to the second terminal to prompt the relevant personnel to process the financing application of the customer, and the second terminal may receive the financing instruction. Wherein the related personnel is, for example, a customer manager.
After receiving the financing instruction, the second terminal displays the financing instruction for the relevant staff to view, the relevant staff processes the financing application, if the customer has not established a credit file, the relevant staff sends a credit file establishment request to the sixth receiving unit 612 through the second terminal, and the sixth receiving unit 612 receives the credit file establishment request. The sixth receiving unit 612 may fill the profiling information based on the customer information after receiving the credit profile establishment request, and may also query customer-related information through a business data interface to fill the profiling information. The profiling information includes, but is not limited to, a registration address, an establishment date, an affiliated industry, an operation range, the number of employees, an enterprise state, etc., and is set according to actual needs, and the embodiment of the present invention is not limited.
After the filing information is filled, the second sending unit 613 sends the filing information to the second terminal, and the second terminal displays the filing information on a credit profile creation page for the relevant personnel to view. The related personnel can check the filing information, supplement wrong information or missing information, and after the completion and the absence of the filing information are confirmed, the filing confirmation information is sent to the credit server through the second terminal, and can carry the complete filing information.
Upon receiving the filing confirmation message transmitted by the second terminal, the establishing unit 614 may establish a credit profile for the guest, which may be associated with the host guest. After the credit file of the customer is established, a subsequent approval process can be carried out, and after approval is passed, the customer can be paid.
The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions of the apparatus are not described herein again, and refer to the detailed description of the above method embodiments.
It should be noted that the credit service processing method and apparatus provided by the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.
Fig. 10 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 10, the electronic device may include: a processor (processor)1001, a communication Interface (communication Interface)1002, a memory (memory)1003 and a communication bus 1004, wherein the processor 1001, the communication Interface 1002 and the memory 1003 complete communication with each other through the communication bus 1004. Processor 1001 may call logic instructions in memory 1003 to perform the following method: receiving a financing authority opening request sent by a first terminal, wherein the financing authority opening request comprises an application identifier; inquiring and acquiring a corresponding branch mechanism list according to the application identifier, and returning the branch mechanism list to the first terminal; receiving financing authority application information and application verification information sent by the first terminal; and if the application verification information is judged to pass the verification, opening the financing authority based on the financing authority application information.
In addition, the logic instructions in the memory 1003 may be implemented in the form of software functional units and may be stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: receiving a financing authority opening request sent by a first terminal, wherein the financing authority opening request comprises an application identifier; inquiring and acquiring a corresponding branch mechanism list according to the application identifier, and returning the branch mechanism list to the first terminal; receiving financing authority application information and application verification information sent by the first terminal; and if the application verification information is judged to pass the verification, opening the financing authority based on the financing authority application information.
The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: receiving a financing authority opening request sent by a first terminal, wherein the financing authority opening request comprises an application identifier; inquiring and acquiring a corresponding branch mechanism list according to the application identifier, and returning the branch mechanism list to the first terminal; receiving financing authority application information and application verification information sent by the first terminal; and if the application verification information is judged to pass the verification, opening the financing authority based on the financing authority application information.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A credit service processing method, comprising:
receiving a financing authority opening request sent by a first terminal, wherein the financing authority opening request comprises an application identifier;
inquiring and acquiring a corresponding branch mechanism list according to the application identifier, and returning the branch mechanism list to the first terminal;
receiving financing authority application information and application verification information sent by the first terminal;
and if the application verification information is judged to pass the verification, opening the financing authority based on the financing authority application information.
2. The method of claim 1, wherein the financing authority application information includes affiliate and network financing authority categories; correspondingly, the opening of the financing authority based on the financing authority application information comprises:
and sending a financing opening instruction to an internal management server of the internet bank to open the financing authority of the branch organization, wherein the financing opening instruction comprises host guest programming and network financing authority types of the branch organization.
3. The method of claim 1, further comprising:
receiving a change financing authority request sent by the first terminal, wherein the change financing authority request comprises a change identifier;
inquiring and acquiring a corresponding branch mechanism list and an opened network financing authority category according to the change identifier, and returning the branch mechanism list and the network financing authority category to the first terminal;
receiving financing authority change information and change verification information sent by the first terminal;
and if the change verification information is judged to pass the verification, changing the financing authority based on the financing authority change information.
4. The method of claim 1, wherein the querying for a corresponding branch list according to the application identifier and returning the branch list to the first terminal comprises:
if the fact that the branch mechanism list of the application identification pair comprises one branch mechanism is judged and obtained, returning the branch mechanism to the first terminal so that the first terminal can display a plurality of network financing authority types corresponding to the branch mechanism;
and if the judgment result shows that the branch mechanism list of the application identification pair comprises a plurality of branch mechanisms, returning the plurality of branch mechanisms to the first terminal so that the first terminal displays a network financing authority category corresponding to the plurality of branch mechanisms.
5. The method of any of claims 1 to 4, further comprising:
receiving a financing application request sent by the first terminal, wherein the financing application request comprises client information and financing application verification information;
and if the financing application verification information is judged to pass the verification, generating a financing instruction and storing the customer information.
6. The method of claim 5, further comprising:
sending the financing instruction to a second terminal;
receiving a credit file establishment request sent by the second terminal, and automatically filling the filing information based on the customer information;
sending the filing information to the second terminal;
and after receiving the filing confirmation information sent by the second terminal, finishing credit file establishment.
7. An apparatus for processing credit services, comprising:
the system comprises a first receiving unit, a second receiving unit and a third receiving unit, wherein the first receiving unit is used for receiving a financing authority opening request sent by a first terminal, and the financing authority opening request comprises an application identifier;
the first query unit is used for obtaining a corresponding branch mechanism list according to the application identification query and returning the branch mechanism list to the first terminal;
the second receiving unit is used for receiving financing authority application information and application verification information sent by the first terminal;
and the opening unit is used for opening the financing authority based on the financing authority application information after judging that the application verification information passes verification.
8. The apparatus of claim 7, wherein the financing authority application information includes affiliate and network financing authority categories; correspondingly, the opening unit is specifically configured to:
and sending a financing opening instruction to an internal management server of the internet bank to open the financing authority of the branch organization, wherein the financing opening instruction comprises host guest programming and network financing authority types of the branch organization.
9. The apparatus of claim 7, further comprising:
a third receiving unit, configured to receive a change financing authority request sent by the first terminal, where the change financing authority request includes a change identifier;
the second query unit is used for obtaining a corresponding branch mechanism list and an opened network financing authority category according to the change identifier query, and returning the branch mechanism list and the network financing authority category to the first terminal;
a fourth receiving unit, configured to receive financing authority change information and change verification information sent by the first terminal;
and the changing unit is used for changing the financing authority based on the financing authority changing information after judging that the change verification information passes verification.
10. The apparatus of any one of claims 7 to 9, further comprising:
a fifth receiving unit, configured to receive a financing application request sent by the first terminal, where the financing application request includes client information and financing application verification information;
and the generating unit is used for generating a financing instruction and storing the customer information after judging that the financing application verification information passes verification.
11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 6 are implemented when the computer program is executed by the processor.
12. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.
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