CN111951095B - Credit service processing method and device - Google Patents
Credit service processing method and device Download PDFInfo
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- CN111951095B CN111951095B CN202010799962.3A CN202010799962A CN111951095B CN 111951095 B CN111951095 B CN 111951095B CN 202010799962 A CN202010799962 A CN 202010799962A CN 111951095 B CN111951095 B CN 111951095B
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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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- G—PHYSICS
- 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 opening authority request sent by a first terminal, wherein the financing opening authority request comprises an application identifier; obtaining a corresponding branch mechanism list according to the application identification query, 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 be verified, 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 device provided by the embodiment of the invention improve the processing efficiency of the credit business.
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 have great contribution in the aspects of promoting the economic development, solving the employment of labor force, improving the technological innovation capability and the like.
However, due to the characteristics of weak funds and poor risk resistance of small and medium enterprises, the problem of difficult financing exists in the small and medium enterprises generally. At present, financing application of small and medium enterprises mainly takes bank offline operation, borrowers need to open online banking network financing rights of the enterprises, and after credit system credit files are established offline, financing can be applied for through the online banking of the enterprises, so that the procedure of financing application is complicated, and the efficiency is low.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a credit service processing method and device, which can at least partially solve the problems in the prior art.
In one aspect, the present invention proposes a method for processing credit services, including:
receiving a financing opening authority request sent by a first terminal, wherein the financing opening authority request comprises an application identifier;
obtaining a corresponding branch mechanism list according to the application identification query, 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 be verified, 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 first receiving unit is used for receiving an open financing authority request sent by the first terminal, wherein the open financing authority 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 the verification.
In yet another aspect, the present invention provides an electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method for processing credit services as described in any of the embodiments above when the program is executed.
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 of any of the embodiments described above.
According to the method and the device for processing the credit service, which are provided by the embodiment of the invention, the request of opening the financing permission sent by the first terminal is received, the corresponding branch office list is obtained according to the application identification query, the branch office list is returned to the first terminal, the financing permission application information and the application verification information sent by the first terminal are received, after the application verification information is judged and obtained to pass the verification, the financing permission is opened based on the financing permission application information, the on-line opening of the financing permission is realized, and the processing efficiency of the credit service is improved.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. 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 of a method for processing a credit service according to an embodiment of the invention.
Fig. 3 is a flow chart of a method for processing a credit service according to another embodiment of the invention.
Fig. 4 is a flow chart of a method for processing a credit service according to another embodiment of the invention.
Fig. 5 is a flow chart of a method for processing a credit service 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 apparatus according to another embodiment of the present invention.
Fig. 8 is a schematic structural diagram of a credit service processing apparatus according to still 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 of an electronic device according to an embodiment of the invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention. It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be arbitrarily combined with each other.
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 an embodiment of the present invention includes a credit server 1, a first terminal 2, a second terminal 3, and an internet banking internal management server 4, where:
the credit server 1 is communicatively connected to the first terminal 2, the second terminal 3 and the internet banking internal management server 4, respectively. The credit server 1 and the internet banking internal management server 4 may be implemented by servers, and 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 banking through the first terminal 1 to apply for financing authority and financing application. The credit server 1 performs the processing method of the credit service provided by the embodiment of the present invention as an execution subject.
Fig. 2 is a flow chart of a method for processing a credit service according to an embodiment of the present invention, as shown in fig. 2, where the method for processing a credit service according to an embodiment of the present invention includes:
s201, receiving a financing opening authority request sent by a first terminal, wherein the financing opening authority request comprises an application identifier;
Specifically, before applying for financing, a client may send a request for opening financing permission to a credit server through a first terminal, and the credit server may receive the request for opening financing permission. The request for opening financing authority comprises an application identifier. The application identifier can be set according to actual needs by adopting a U shield identifier, and the embodiment of the invention is not limited. Clients in embodiments of the present invention may include normal law people and small micro-businesses.
For example, the client inserts the sponsor U-shield into the first terminal, logs in to the enterprise online banking through the first terminal, clicks a virtual key for opening financing permission on an interface of the enterprise online banking, and after detecting the clicking operation of the client on the virtual key for opening financing permission, the first terminal obtains a U-shield identifier of the sponsor U-shield as an application identifier and sends a financing permission opening request to the credit server. The client can transact when opening the Internet banking.
S202, inquiring according to the application identifier to obtain a corresponding branch mechanism list, and returning the branch mechanism list to the first terminal;
Specifically, after receiving the request for opening the financing authority, the credit server may query a branch office list corresponding to the application identifier according to the application identifier, and then return the branch office list corresponding to the application identifier obtained by the query to the first terminal. The correspondence between the application identifier and the branch mechanism is preset, and the application identifier may correspond to one branch structure or may correspond to a plurality of branch mechanisms.
For example, for a single customer, the credit server may obtain a unique branch from the application identification query; for group customers, the credit server may query for multiple 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 office list, the first terminal may display the branch office list, and simultaneously display a network financing authority type 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 the application verification information to the credit server. The credit server receives the financing application information and application verification information. The network financing authority type includes but is not limited to inquireable, maintainable and operable, and is set according to actual needs, and the embodiment of the invention is not limited.
For example, selecting the queriable representation of the corresponding certificate identifications of the selected branch authorities may query the borrowing contract at the internet banking of the corporation; selecting corresponding certificate identifications of the branch institutions which are operable to indicate the selected branch institutions can conduct business such as withdrawal, repayment and the like on the enterprise network by a bank in a self-service manner; the selection may maintain a number indicating that the corresponding certificate identification of the selected branch may add or delete borrowing contracts at the internet banking.
For example, for the single customer, the first terminal displays a branch office while exposing three network financing authority categories, queriable, maintainable and operational, for the customer to pick. Aiming at group clients, the first terminal displays a plurality of branch institutions, and only displays inquireable network financing authority types for the clients to pick, so that the group clients can only select one branch institution.
For example, the application verification information may be generated by a manager U shield and a review U shield. The client inserts the sponsor U shield and the recheck U shield into the first terminal, and after the client selects to finish branch office and network financing authority types, the first terminal can acquire a first verification character string generated by the sponsor U shield and a second verification character string generated by the recheck U shield as application verification information. The review U shield can be transacted by a client when an internet banking of an enterprise is opened.
S204, if the application verification information is judged to be verified, the financing authority is opened based on the financing authority application information.
Specifically, the credit server verifies the application verification information after receiving the financing authority application information and the application verification information, and opens financing authorities for the clients according to the financing authority application information after the application verification information passes the verification.
For example, the application verification information includes a first verification string generated by the sponsor 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 sponsor U shield, verifies the second verification string based on the digital certificate of the review U shield, and when the first verification string and the second verification string pass verification, the application verification information passes verification. The digital certificate of the sponsor U shield and the digital certificate of the recheck U shield are pre-stored on the credit server, and specific verification processes of the sponsor U shield and the recheck U shield are in the prior art and are not repeated here.
According to the credit service processing method provided by the embodiment of the invention, the request of opening the financing authority sent by the first terminal is received, the corresponding branch office list is obtained according to the application identification query, the branch office list is returned to the first terminal, the financing authority application information and the application verification information sent by the first terminal are received, after the application verification information is judged and known to pass the verification, the financing authority is opened based on the financing authority application information, the on-line opening of the financing authority is realized, and the handling efficiency of the credit service is improved. In addition, by opening the network financing authority in an online self-service manner, the credit business handling flow is simplified, a paper application form is not required to be filled in, official seal is not required to be covered, the client can conveniently handle the application of the financing business, 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 the financing authority based on the financing authority application information comprises:
and sending a financing opening instruction to an internal management server of an online banking to open the financing authority of the branch office, wherein the financing opening instruction comprises host customer codes and network financing authority types of the branch office.
Specifically, the financing authority application information sent to the credit server by the first terminal includes branch institutions and network financing authority types. The credit server sends the host computer custom-editing and network financing authority types of the branch office to an internal management server of an online banking in a financing opening instruction. And after receiving the financing opening instruction, the internal management server of the online bank opens financing authority for the branch mechanism and compiles a host guest of the branch mechanism as a client information number. The host guest code is used for identifying the corresponding branch mechanism, the branch mechanism corresponds to the host guest code one by one, the host guest code is set according to actual needs, and the embodiment of the invention is not limited.
Fig. 3 is a flow chart of a method for processing a credit service according to another embodiment of the present invention, as shown in fig. 3, where the method for processing a credit service according to the embodiment of the present invention further includes:
s301, receiving a request for changing financing authority sent by the first terminal, wherein the request for changing financing authority comprises a change identifier;
specifically, the client may change the financing authority after opening the financing authority. The client may send a request for changing financing rights to the credit server via the first terminal, which may receive the request for changing financing rights. Wherein the change financing authority request includes a change identification. The change identifier can be set according to actual needs by adopting a U shield identifier, and the embodiment of the invention is not limited.
For example, the client inserts the sponsor U-shield into the first terminal, logs in to the enterprise online banking through the first terminal, clicks a virtual key of 'change financing permission' on an interface of the enterprise online banking, and after detecting the click operation of the client on the virtual key of 'change financing permission', the first terminal obtains a U-shield identifier of the sponsor U-shield as a change identifier and sends a request of change financing permission to the credit server.
S302, inquiring according to the change identification to obtain a corresponding branch office list and an opened network financing authority type, and returning the branch office list and the network financing authority type to the first terminal;
specifically, after receiving the request for changing the financing authority, 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 type, and then return, to the first terminal, the queried branch office list corresponding to the change identifier and the already opened network financing authority type. The corresponding relation between the change identification and the branch office list and the opened network financing authority type is prestored.
S303, receiving financing authority change information and change verification information sent by the first terminal;
specifically, after receiving the branch office list and the opened network financing authority types, the first terminal may display the branch office list, and simultaneously display the network financing authority types, where the branch office and the opened network financing authority types that have opened financing authorities are in a selected state. The client checks the branch office list and the opened network financing authority types at the first terminal, and can change the branch offices which have opened financing authorities and/or change the opened network financing authority types. After receiving the change of the client to the branch office and/or the network financing authority type, 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 receives the financing authority change information and change verification information. The generation process of the change verification information is similar to the generation process of the application verification information, and a detailed description is omitted here.
For example, the client is a group client, the client changes a branch office for opening financing authority from a branch office 1 to a branch office 2, and the first terminal can send the branch office 2 to the credit server in financing authority change information.
For example, the client is a single client, the client changes the network financing authority type from queriable to operable, and the first terminal may send the financing authority change information to the credit server.
For example, if the client cancels the selection of the network financing authority type of the branch office that has opened the financing authority and does not select any other network financing authority type, the first terminal may send the financing authority cancellation indication to the credit server in financing authority change information.
And S304, if the change verification information is judged to be verified, the financing authority is changed based on the financing authority change information.
Specifically, the credit server verifies the change verification information after receiving the financing authority change information and the change verification information, and changes the financing authority of the client according to the financing authority change information after the change verification information passes the verification. The specific verification process of the change verification information is similar to the verification process of the application verification information, and will not be described here.
For example, the client changes the branch office that opens the financing authority from the branch office 1 to the branch office 2, and the first terminal may send the branch office 2 to the credit server with the financing authority change information. After the change verification information passes verification, the credit server closes the financing authority of the branch office 1 and opens the financing authority of the branch office 2.
For example, if the client cancels the selection of the network financing authority type of the branch office that has opened the financing authority and does not select any other network financing authority type, the first terminal may send the financing authority cancellation indication to the credit server in financing authority change information. And the credit server closes the financing authority of the client after the change verification information passes verification.
It can be understood that, for a single client, the change of the financing authority includes two cases of changing the type of the network financing authority and closing the financing authority, when the type of the network financing authority is changed, the financing authority of the client is still in, but the type of the network financing authority is changed; after closing the financing authority, the financing authority of the client is closed, and if the financing application is also desired, the financing authority needs to be opened again.
For group clients, the change of the financing authority comprises two cases of the change of a branch office and the closing of the financing authority, when the branch office changes, the financing authority of the client is still in the state, but the authorized branch office changes; after closing the financing authority, the financing authority of the client is closed, and if the financing application is also desired, the financing authority needs to be opened again.
Based on the foregoing embodiments, further, the obtaining a corresponding branch office list according to the application identifier query, and returning the branch office list to the first terminal includes:
if judging that the branch mechanism list of the application identification pair comprises one branch mechanism, returning the one branch mechanism to the first terminal so that the first terminal displays a plurality of network financing authority types corresponding to the one branch mechanism;
specifically, after receiving the request for opening the financing authority, the credit server may query a branch office list corresponding to the application identifier according to the application identifier, then count the number of branches included in the branch office list corresponding to the application identifier, and if the branch office list includes one branch office, return the one branch office to the first terminal. After receiving the branch office, the first terminal can display the branch office and simultaneously display a plurality of network financing authority types corresponding to the branch office for the customer to select. Wherein the plurality of network financing authority categories includes, but is not limited to, three network financing authority categories that are queriable, maintainable and operable.
Based on the foregoing embodiments, further, the obtaining a corresponding branch office list according to the application identifier query, and returning the branch office list to the first terminal includes:
and if judging 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 one network financing authority type corresponding to the plurality of branch mechanisms.
Specifically, after receiving the request for opening the financing authority, the credit server may query a branch office list corresponding to the application identifier according to the application identifier, then count the number of branches included in the branch office list corresponding to the application identifier, and if the branch office list includes a plurality of branches, return the plurality of branches to the first terminal. 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 customer to select. Wherein, the network financing authority category corresponding to the plurality of branches can be queriable. The customer can only select one branch office. Because the group client has a plurality of branch institutions, in order to avoid abuse of the network financing authority types, each branch institution is configured with the same network financing authority type, for example, the network financing authority type can be inquired, so as to improve the security.
Fig. 4 is a flow chart of a credit service processing method according to another embodiment of the present invention, as shown in fig. 4, further, on the basis of the foregoing embodiments, the credit service processing method according to the 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 client opens the financing authority, the client may send a financing application request to the credit server through the first terminal, and the credit server may receive the financing application request. The financing application request comprises client information and financing application verification information. The client information includes, but is not limited to, client basic information, client financing information, business information and the like, and is set according to actual needs, and the embodiment of the invention is not limited.
For example, the client inserts the sponsor U shield and the recheck U shield into the first terminal, logs in to the internet banking of the enterprise through the first terminal, clicks a virtual key of the financing application on an interface of the internet banking of the enterprise, and after detecting the clicking operation of the virtual key of the financing application by the client, the first terminal displays an application information input interface, and the client inputs client information, such as client basic information of company names, legal persons, addresses and the like, client financing information of loan amount, loan term, mortgages and the like, and business information of industry, operation range, business amount, profit and the like. After the first terminal detects that the client finishes inputting the client information, the first verification character string generated by the sponsor U shield and the second verification character string generated by the recheck U shield can be obtained to serve as financing application verification information. And then transmitting the customer information and the financing application authentication information to the credit server.
And S402, if the financing application verification information is judged to be known to pass the verification, generating a financing instruction and storing the client information.
Specifically, the credit server verifies the financing application verification information after receiving the client information and the financing application verification information, generates a financing instruction and stores the client information after the financing application verification information passes the verification, and can correspond the client information to a host computer. The financing instruction is used for prompting relevant personnel that clients carry out financing application, and the financing instruction can comprise the host client.
Fig. 5 is a flow chart of a credit service processing method according to still another embodiment of the present invention, as shown in fig. 5, further, on the basis of the foregoing embodiments, 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 client, where the second terminal may receive the financing instruction. Wherein the relevant person is for example a customer manager.
S502, receiving a credit archive establishment request sent by the second terminal, and automatically filling profiling information based on the client information;
specifically, after receiving the financing instruction, the second terminal displays the financing instruction for the relevant personnel to view, the relevant personnel process the financing application, if the client does not build a credit file, the relevant personnel send a credit file building request to the credit server through the second terminal, and the credit server receives the credit file building request. The credit server, upon receiving the credit archive creation request, may populate the profiling information based on the customer information, and may also query the customer-related information via an industrial and commercial data interface to populate the profiling information. The profiling information includes, but is not limited to, registration address, establishment date, belonging industry, operation range, employee number, enterprise status, etc., and is set according to actual needs, and the embodiment of the invention is not limited.
S503, transmitting the profiling information to the second terminal;
specifically, after the profiling information is filled, the credit server sends the profiling information to the second terminal, and the second terminal displays the profiling information on a credit archive establishment page for viewing by the relevant personnel. The related personnel can check the profiling information, the wrong information or the missing information can be supplemented, and after the profiling information is confirmed to be complete and free, the profiling confirmation information is sent to the credit server through the second terminal, and the profiling confirmation information can carry the complete profiling information.
S504, after receiving the profiling confirmation information sent by the second terminal, the credit archive establishment is completed.
In particular, the credit server, upon receiving the profiling confirmation information sent by the second terminal, may establish a credit profile for the customer, which may be customized to the host. Subsequent approval processes may be performed after the customer credit profile is established, and the customer may be refunded after passing the approval.
The processing method of the credit business 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 carry out the credit filing through an off-line process, reduces the waiting time of the client and improves the efficiency of the credit filing. By establishing the credit file on line, the work load of the relevant personnel on the case can be reduced, and the credit business processing efficiency of the financial institution is improved.
Because the financing demand of the small micro-enterprises has the characteristic of short frequency urgency, the method for processing the credit business provided by the embodiment of the invention can quickly and normally process the credit business, and improves the processing efficiency of the credit business, thereby improving the financing efficiency of the small micro-enterprises.
Fig. 6 is a schematic structural diagram of a processing device for a credit service according to an embodiment of the present invention, and as shown in fig. 6, the processing device for a credit service according to 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 an open financing authority request sent by a first terminal, where the open financing authority request includes an application identifier; the first query unit 602 is configured to query according to the application identifier to obtain a corresponding branch office list, and return the branch office 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 judging that the application verification information is verified.
Specifically, before a client applies for financing, a request for opening financing authority may be sent to the first receiving unit 601 through the first terminal, and the first receiving unit 601 may receive the request for opening financing authority. The request for opening financing authority comprises an application identifier. The application identifier can be set according to actual needs by adopting a U shield identifier, and the embodiment of the invention is not limited. Clients in embodiments of the present invention may include normal law people and small micro-businesses.
After receiving the request for opening financing authority, the first query unit 602 may query, according to the application identifier, a branch office list corresponding to the application identifier, and then return, to the first terminal, the branch office list corresponding to the declaration identifier obtained by the query. The correspondence between the application identifier and the branch mechanism is preset, and the application identifier may correspond to one branch structure or may correspond to a plurality of branch mechanisms.
After receiving the branch office list, the first terminal can display the branch office list and display the network financing authority type 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 application information and application verification information. The network financing authority type includes but is not limited to inquireable, maintainable and operable, and is set according to actual needs, and the embodiment of the invention is not limited.
After receiving the financing authority application information and the application verification information, the opening unit 604 verifies the application verification information, and after the application verification information passes the verification, opens the financing authority for the client according to the financing authority application information.
The processing device for the credit service provided by the embodiment of the invention receives the request for opening the financing authority sent by the first terminal, obtains the corresponding branch office list according to the application identification query, returns the branch office 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 the verification, thereby realizing on-line opening of the financing authority and improving the handling efficiency of the credit service. In addition, by opening the network financing authority in an online self-service manner, the credit business handling flow is simplified, a paper application form is not required to be filled in, official seal is not required to be covered, the client can conveniently handle the application of the financing business, 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; accordingly, the activation unit 604 specifically is configured to:
And sending a financing opening instruction to an internal management server of an online banking to open the financing authority of the branch office, wherein the financing opening instruction comprises host customer codes and network financing authority types of the branch office.
Specifically, the financing authority application information sent by the first terminal includes branch institutions and network financing authority types. The opening unit 604 sends the host customer code and the network financing authority type of the branch office to the internal management server of the bank with the financing opening instruction. And after receiving the financing opening instruction, the internal management server of the online bank opens financing authority for the branch mechanism and compiles a host guest of the branch mechanism as a client information number. The host guest code is used for identifying the corresponding branch mechanism, the branch mechanism corresponds to the host guest code one by one, the host guest code is set according to actual needs, and the embodiment of the invention is not limited.
Fig. 7 is a schematic structural diagram of a processing apparatus for a credit service according to another embodiment of the present invention, as shown in fig. 7, further, based on the foregoing embodiments, the processing apparatus for a credit service according to the 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:
The third receiving unit 605 is configured to receive a request for changing financing authority sent by the first terminal, where the request for changing financing authority includes a change identifier; the second query unit 606 is configured to query and obtain a corresponding branch office list and an opened network financing authority type according to the change identifier, and return the branch office 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 changing information after determining that the change verification information is verified.
Specifically, the client may change the financing authority after opening the financing authority. The client may send a request for changing financing authority to the third receiving unit 605 through the first terminal, and the third receiving unit 605 may receive the request for changing financing authority. Wherein the change financing authority request includes a change identification. The change identifier can be set according to actual needs by adopting a U shield identifier, and the embodiment of the invention is not limited.
After receiving the request for changing the financing authority, the second query unit 606 may query, according to the change identifier, a branch office list corresponding to the change identifier and an already opened network financing authority type, and then return, to the first terminal, the branch office list corresponding to the change identifier and the already opened network financing authority type obtained by the query. The corresponding relation between the change identification and the branch office list and the opened network financing authority type is prestored.
After receiving the branch office list and the opened network financing authority types, the first terminal can display the branch office list and simultaneously display the network financing authority types, and the branch office with opened financing authorities and the opened network financing authority types are in a selected state. The client checks the branch office list and the opened network financing authority types at the first terminal, and can change the branch offices which have opened financing authorities and/or change the opened network financing authority types. After receiving the modification of the client to the branch office and/or the network financing authority type, the first terminal generates financing authority modification information and modification verification information, and then sends the financing authority modification information and modification 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 change verification information is similar to the generation process of the application verification information, and a detailed description is omitted here.
After receiving the financing authority change information and the change verification information, the change verification information is verified by the change verification unit 608, and after the change verification information passes the verification, the financing authority of the client is changed according to the financing authority change information. The specific verification process of the change verification information is similar to the verification process of the application verification information, and will not be described here.
Fig. 8 is a schematic structural diagram of a processing apparatus for a credit service according to another embodiment of the present invention, as shown in fig. 8, further, based on the foregoing embodiments, the processing apparatus for a credit service according to the embodiment of the present invention further includes a fifth receiving unit 609 and a generating unit 610, where:
the 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 client information after determining that the financing application verification information is verified.
Specifically, after the client opens the financing authority, the first terminal may send a financing application request to the credit server, and the fifth receiving unit 609 may receive the financing application request. The financing application request comprises client information and financing application verification information. The client information includes, but is not limited to, client basic information, client financing information, business information and the like, and is set according to actual needs, and the embodiment of the invention is not limited.
After receiving the client information and the financing application verification information, the generating unit 610 verifies the financing application verification information, generates a financing instruction and stores the client information after the financing application verification information passes the verification, and can correspond the client information to a host customer. The financing instruction is used for prompting relevant personnel that clients carry out financing application, and the financing instruction can comprise the host client.
Fig. 9 is a schematic structural diagram of a credit service processing apparatus according to still another embodiment of the present invention, as shown in fig. 9, further, based on the foregoing embodiments, the credit service processing apparatus according to the embodiment of the present invention further includes a first sending unit 611, a sixth receiving unit 612, a second sending unit 613, and an establishing unit 614, where:
the first sending unit 611 is configured to send the financing instruction to the second terminal; the sixth receiving unit 612 is configured to receive a credit archive establishment request sent by the second terminal, and automatically populate profiling information based on the client information; the second transmitting unit 613 is configured to transmit the profiling information to the second terminal; the establishing unit 614 is configured to complete credit profile establishment after receiving the profiling 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, so as to prompt the relevant personnel to process the financing application of the client, where the second terminal may receive the financing instruction. Wherein the relevant person is for example a customer manager.
After receiving the financing instruction, the second terminal displays the financing instruction for the relevant personnel to check, the relevant personnel process the financing application, if the client does not build a credit file, the relevant personnel send a credit file building request to a sixth receiving unit 612 through the second terminal, and the sixth receiving unit 612 receives the credit file building request. The sixth receiving unit 612 may populate the profiling information based on the customer information after receiving the credit archive creation request, and may also query the customer-related information via the business data interface to populate the profiling information. The profiling information includes, but is not limited to, registration address, establishment date, belonging industry, operation range, employee number, enterprise status, etc., and is set according to actual needs, and the embodiment of the invention is not limited.
After filling the profiling information, the second sending unit 613 sends the profiling information to the second terminal, and the second terminal displays the profiling information on a credit archive setup page for viewing by the relevant personnel. The related personnel can check the profiling information, the wrong information or the missing information can be supplemented, and after the profiling information is confirmed to be complete and free, the profiling confirmation information is sent to the credit server through the second terminal, and the profiling confirmation information can carry the complete profiling information.
After receiving the profiling confirmation information sent by the second terminal, the establishing unit 614 may establish a credit profile for the client, which may be mapped to the host. Subsequent approval processes may be performed after the customer credit profile is established, and the customer may be refunded after passing the approval.
The embodiment of the apparatus provided in the embodiment of the present invention may be specifically used to execute the processing flow of each method embodiment, and the functions thereof are not described herein again, and may refer to the detailed description of the method embodiments.
It should be noted that, the method and the device for processing the credit service provided by the embodiment of the invention can be used in the financial field, and also can be used in any technical field except the financial field, and the application technical field of the method and the device for processing the credit service provided by the embodiment of the invention is not limited.
Fig. 10 is a schematic physical structure of an electronic device according to an embodiment of the present invention, as shown in fig. 10, the electronic device may include: a processor 1001, a communication interface (Communications Interface) 1002, a memory 1003, and a communication bus 1004, wherein the processor 1001, the communication interface 1002, and the memory 1003 perform communication with each other through the communication bus 1004. The processor 1001 may call logic instructions in the memory 1003 to perform the following method: receiving a financing opening authority request sent by a first terminal, wherein the financing opening authority request comprises an application identifier; obtaining a corresponding branch mechanism list according to the application identification query, 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 be verified, opening the financing authority based on the financing authority application information.
Further, the logic instructions in the memory 1003 described above may be implemented in the form of software functional units and sold or used as a separate product, and may be stored in a computer readable storage medium. Based on this understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform 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, random Access Memory), a magnetic disk, or an optical disk, or 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, are capable of performing the methods provided by the above-described method embodiments, for example comprising: receiving a financing opening authority request sent by a first terminal, wherein the financing opening authority request comprises an application identifier; obtaining a corresponding branch mechanism list according to the application identification query, 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 be verified, opening the financing authority based on the financing authority application information.
The present embodiment provides a computer-readable storage medium storing a computer program that causes the computer to execute the methods provided by the above-described method embodiments, for example, including: receiving a financing opening authority request sent by a first terminal, wherein the financing opening authority request comprises an application identifier; obtaining a corresponding branch mechanism list according to the application identification query, 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 be verified, opening the financing authority based on the financing authority application information.
It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description of the present specification, reference to the terms "one embodiment," "one 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, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. 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 foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (11)
1. A method for processing credit services, comprising:
receiving a financing opening authority request sent by a first terminal, wherein the financing opening authority request comprises an application identifier;
obtaining a corresponding branch mechanism list according to the application identification query, and returning the branch mechanism list to the first terminal;
receiving financing authority application information and application verification information sent by the first terminal; the financing authority application information comprises branch institutions and network financing authority types; the network financing authority category comprises queriable, maintainable and operable; the inquireable means that the borrowing contract can be inquired at the enterprise internet banking according to the certificate identifier corresponding to the selected branch institution; the operable representation enables self-service business handling at the enterprise online banking according to the certificate identifier corresponding to the selected branch institution; the maintainable number indicates that the borrowing contract can be added and deleted at the internet banking of the enterprise according to the certificate identifier corresponding to the selected branch institution;
If the application verification information is judged to be verified, opening financing rights based on the financing rights application information;
the obtaining the corresponding branch mechanism list according to the application identification query and returning the branch mechanism list to the first terminal comprises the following steps:
if judging that the branch mechanism list of the application identification pair comprises one branch mechanism, returning the one branch mechanism to the first terminal so that the first terminal displays a plurality of network financing authority types corresponding to the one branch mechanism;
and if judging 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 one network financing authority type corresponding to the plurality of branch mechanisms.
2. The method of claim 1, wherein the opening financing rights based on the financing rights application information comprises:
and sending a financing opening instruction to an internal management server of an online banking to open the financing authority of the branch office, wherein the financing opening instruction comprises host customer codes and network financing authority types of the branch office.
3. The method as recited in claim 1, further comprising:
receiving a request for changing financing authority sent by the first terminal, wherein the request for changing financing authority comprises a change identifier;
inquiring according to the change identification to obtain a corresponding branch office list and an opened network financing authority type, and returning the branch office list and the network financing authority type 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 verification, changing the financing authority based on the financing authority change information.
4. A method according to any one of claims 1 to 3, 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 be obtained to pass the verification, generating a financing instruction and storing the client information.
5. The method as recited in claim 4, further comprising:
sending the financing instruction to a second terminal;
receiving a credit archive establishment request sent by the second terminal, and automatically filling the archive information based on the client information;
Transmitting the profiling information to the second terminal;
and after receiving the profiling confirmation information sent by the second terminal, finishing credit file establishment.
6. A credit service processing apparatus, comprising:
the first receiving unit is used for receiving an open financing authority request sent by the first terminal, wherein the open financing authority 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; the financing authority application information comprises branch institutions and network financing authority types; the network financing authority category comprises queriable, maintainable and operable; the inquireable means that the borrowing contract can be inquired at the enterprise internet banking according to the certificate identifier corresponding to the selected branch institution; the operable representation enables self-service business handling at the enterprise online banking according to the certificate identifier corresponding to the selected branch institution; the maintainable number indicates that the borrowing contract can be added and deleted at the internet banking of the enterprise according to the certificate identifier corresponding to the selected branch institution;
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;
the first query unit is specifically configured to, if it is determined that the branch office list of the application identifier pair includes one branch office, return the one branch office to the first terminal, so that the first terminal displays a plurality of network financing authority types corresponding to the one branch office; and if judging 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 one network financing authority type corresponding to the plurality of branch mechanisms.
7. The apparatus of claim 6, wherein the opening unit is specifically configured to:
and sending a financing opening instruction to an internal management server of an online banking to open the financing authority of the branch office, wherein the financing opening instruction comprises host customer codes and network financing authority types of the branch office.
8. The apparatus as recited in claim 6, further comprising:
the third receiving unit is used for receiving a request for changing financing authority sent by the first terminal, wherein the request for changing financing authority comprises a change identifier;
The second query unit is used for querying and obtaining a corresponding branch office list and an opened network financing authority type according to the change identification, and returning the branch office list and the network financing authority type to the first terminal;
the fourth receiving unit is used for receiving the financing authority change information and the 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 changing verification information passes verification.
9. The apparatus according to any one of claims 6 to 8, 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 generation unit is used for generating financing instructions and storing the client information after judging that the financing application verification information passes the verification.
10. 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 processor implements the steps of the method of any one of claims 1 to 5 when the computer program is executed by the processor.
11. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method according to any one of claims 1 to 5.
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