CN112182653A - Service processing method, device, equipment and storage medium - Google Patents
Service processing method, device, equipment and storage medium Download PDFInfo
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Abstract
The embodiment of the invention provides a service processing method, a device, a system, equipment and a storage medium, wherein the service processing method comprises the following steps: acquiring identity information of a user; when the inquiry operation of triggering merchant credit data is detected, inquiring whether effective authorization information of a user to a service management system exists through an authorization subsystem; if not, verifying the user; under the condition of successful verification, if the authorization instruction of the user is received, recording authorization information of a service management system; calling an interface of a bank end to send a query request to the bank end, wherein the query request carries identity information of a user; and receiving the credit data fed back by the bank based on the identity information of the user, and performing service processing based on the credit data. The technical scheme provided by the embodiment of the invention can effectively reduce the leakage risk of personal private data and ensure the safety of the business loan data under the condition that the business handling efficiency is not influenced.
Description
Technical Field
Embodiments of the present invention relate to a service processing technology, and in particular, to a service processing method, apparatus, device, and storage medium.
Background
With the continuous development of the accumulation fund industry and the driving of the policy of 'zero material and zero leg running' carried out by the supervision department, the residential accumulation fund management centers (hereinafter referred to as 'accumulation fund management centers') of various regions continuously simplify the business handling materials and optimize the handling process.
In the related technology, the accumulation fund management center already realizes the networking acquisition of the business credit data of the user through the business management system, optimizes the business of handling returning business credit and extracting business, but in the process that the business management system of the housing accumulation fund management center inquires the business credit data from a bank end, the phenomenon of personal data leakage easily occurs, and great potential safety hazards exist.
Disclosure of Invention
The embodiment of the invention provides a business processing method, a business processing device, a business processing system, business processing equipment and a storage medium, which can effectively reduce the leakage risk of personal privacy data and ensure the safety of business loan data under the condition that the business processing efficiency is not influenced.
In a first aspect, an embodiment of the present invention provides a service processing method, including:
acquiring identity information of a user;
when the inquiry operation of triggering merchant credit data is detected, inquiring whether effective authorization information of a user to a service management system exists through an authorization subsystem;
if not, verifying the user;
under the condition of successful verification, if the authorization instruction of the user is received, recording authorization information of a service management system;
calling an interface of a bank end to send a query request to the bank end, wherein the query request carries identity information of a user;
and receiving the credit data fed back by the bank based on the identity information of the user, and performing service processing based on the credit data.
In a second aspect, an embodiment of the present invention further provides a service management method, including:
the terminal acquires identity information of a user;
when the terminal detects the inquiry operation of triggering merchant credit data, sending an inquiry request to a service management system; the query request carries the identity information of the user;
when the service management system receives the query request, the authorization subsystem queries whether effective authorization information of the user to the service management system exists;
if not, the service management system verifies the user;
under the condition of successful verification, if the terminal receives an authorization instruction of the user, the authorization instruction is sent to the service management system so as to record authorization information of the service management system;
the business management system calls an interface of the bank end to send the query request to the bank end, wherein the query request carries the identity information of the user;
the business management system receives business credit data fed back by the bank based on the identity information of the user and feeds back the business credit data to the terminal;
and the terminal receives the business loan data and performs business processing based on the business loan data through the business management system when receiving business processing operation on the business loan data.
In a third aspect, an embodiment of the present invention provides a service processing apparatus, including:
the acquisition module is used for acquiring the identity information of the user;
the authorization subsystem module is used for inquiring whether effective authorization information of a user to the service management system exists through the authorization subsystem when the inquiry operation of triggering the merchant credit data is detected;
the verification module is used for verifying the user if the user does not exist;
the authorization module is used for recording authorization information of the service management system if receiving an authorization instruction of a user under the condition of successful verification;
the system comprises a calling module, a receiving module and a processing module, wherein the calling module is used for calling an interface of a bank end to send a query request to the bank end, and the query request carries identity information of a user;
and the receiving/processing module is used for receiving the credit data fed back by the bank based on the identity information of the user and carrying out service processing based on the credit data.
In a fourth aspect, an embodiment of the present invention provides a service management system, where the service management system includes: the system comprises a core service platform, a public service subsystem, an authorization subsystem and an external connection service module;
the authorization subsystem is used for inquiring whether effective authorization information of a user to the service management system exists or not when the inquiry operation of triggering the merchant credit data is detected;
the public service subsystem is used for verifying the user if valid authorized information of the user does not exist;
the authorization subsystem is used for recording authorization information of the service management system if receiving an authorization instruction of the user under the condition of successful verification;
the external connection service module is used for calling an interface of a bank end to send a query request to the bank end, wherein the query request carries identity information of a user;
and the core business platform is used for receiving the business loan data fed back by the bank based on the identity information of the user and carrying out business processing based on the business loan data.
In a fifth aspect, an embodiment of the present invention provides a service processing system, including a terminal, a service management system, and a bank end;
the terminal is used for acquiring the identity information of the user and sending a query request to the service management system when detecting the query operation of triggering merchant credit data; the query request carries the identity information of the user;
the service management system is used for inquiring whether effective authorization information of the user to the service management system exists through the authorization subsystem when the inquiry request is received, and verifying the user if the effective authorization information does not exist;
the terminal is used for sending the authorization instruction to the service management system if receiving the authorization instruction of the user under the condition of successful verification;
the business management system is used for recording authorization information of the business management system and calling an interface of a bank end to send the query request to the bank end;
the bank end is used for inquiring corresponding business loan data based on the inquiry request and feeding back the business loan data to the service management system;
the business management system receives the business loan data fed back by the bank based on the identity information of the user and feeds back the business loan data to the terminal;
and the terminal is used for receiving the business loan data and carrying out business processing based on the business loan data through the business management system when business processing operation of the business loan data is received.
In a sixth aspect, an embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the methods provided by the embodiments of the present invention.
In a seventh aspect, an embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method provided by the embodiment of the present invention.
The technical proposal provided by the embodiment of the invention inquires whether the effective authorization information of the user to the service management system exists or not when the inquiry operation of the trigger merchant credit data is detected, and if not, the user is verified, if the authorization instruction of the user is received under the condition of successful verification, the authorization information is recorded for the service management system, the interface of the bank end is called to send a query request to the bank end, and receiving the business loan data fed back by the bank end based on the identity information in the query request, and performing business processing based on the business loan data, that is, the effective authorization information of the user to the service management system is inquired to call the interface of the bank end to send an inquiry request to the bank end, and the merchant credit data is received, the method can effectively reduce the leakage risk of personal privacy data and ensure the safety of business loan data under the condition that the business handling efficiency is not affected.
Drawings
FIG. 1a is a flow chart of a related art over-the-counter loan transaction for repayment of a commercial housing;
FIG. 1b is a diagram illustrating an architecture of a business management system of a accumulation fund management center in the related art;
FIG. 1c is a flow diagram of a repayment commercial loan extraction service;
fig. 1d is a flowchart of a service management method according to an embodiment of the present invention;
fig. 2a is a flowchart of a service management method according to an embodiment of the present invention;
fig. 2b is a flowchart of a service management method according to an embodiment of the present invention;
fig. 3 is a flowchart of a service management method according to an embodiment of the present invention;
fig. 4 is a block diagram of a service processing apparatus according to an embodiment of the present invention;
fig. 5 is a block diagram of a service management system according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a service processing system according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
With the continuous development of the accumulation fund industry and the driving of the policy of 'zero material and zero leg running' carried out by the supervision department, the housing accumulation fund management centers (hereinafter referred to as 'accumulation fund management centers') of various places continuously simplify the business handling materials and optimize the handling process, wherein the housing accumulation fund management center refers to a housing accumulation fund management operation mechanism set up in each place or region.
Meanwhile, the functional requirements on the background service management system are increasing day by day, and particularly in the aspect of data sharing, it is hoped that relevant service data are acquired online by butting large data platforms in various industry fields, so that service entry information items of counter personnel are reduced, and the reality and reliability of the data are ensured. The term "extraction of repayment commercial loan" (abbreviated as "repayment provider loan extraction service") refers to that after the applicant purchases the own housing with the commercial loan, the applicant applies for extracting the personal housing public deposit from the housing public deposit management center for repaying the commercial housing loan in the repayment period of the commercial loan. Fig. 1a can be referred to for the handling process of the type of service in the counter, which is specifically as follows:
applying for: the applicant logs in self-service channels such as websites, WeChat public numbers or bank self-service terminals and the like, and submits the information after filling the relevant information. And (4) the application is audited on the spot through the service management system, and the applicant carries the relevant data to the booking counter for handling after the audit is passed. And returning and repolling related information if the audit is not passed.
Acceptance: a teller (counter staff) checks application materials on the spot, and the applicant accords with the application qualification, the materials are complete, and the materials accord with the legal form and are accepted on the spot; the applicant does not comply with the application qualification or the materials are incomplete and do not comply with the legal form, and the applicant does not accept the materials and informs the reason of not accepting the materials; applicants' material is undesirable but can be corrected on-site, and accepted after on-site correction. After confirming that no error exists, the teller inputs related business information in the business management system of the accumulation fund.
Approval: and extracting a business auditor, and carrying out on-site examination and approval on the business information input by the teller. And if the approval condition is not met, the approval is not passed and the reason for the failure of the approval is informed on the spot.
And (3) performing: and after the approval is passed, the business is handled on the spot.
Certificate: the applicant receives the business acceptance certificate on the spot.
Before the extraction business is transacted, a user needs to prepare business transaction materials such as personal housing commercial loan contracts (generally copies for providing bank stamps) and repayment details in advance, the transaction process is very complicated, and a large optimization space exists. The information on the transaction materials can be referred to table 1. Wherein, the commercial loan of the personal housing: the property house (or other guarantee mode approved by bank) is used as mortgage when purchasing the town self house, and the house commercial loan is applied to the bank as the guarantee of loan repayment.
TABLE 1
The public accumulation fund management center lacks a means for verifying the authenticity of materials provided by a user, particularly paper materials such as personal housing commercial loan contracts, repayment particulars and the like, and the situations of malicious counterfeiting and cheating withdrawal often occur in actual business, so that property loss is directly caused.
The service management system of the public accumulation fund in the related art is basically a data island due to the lack of the docking capability with an external data sharing platform, which results in that partial key materials for transacting repayment business to extract the public accumulation fund service, such as personal housing commercial loan contracts, repayment details and the like, need the signature and seal of a bank to ensure the effectiveness of the public accumulation fund service. The user generally needs to go to a bank website to obtain the materials and then go to a point of a public deposit management center to handle the business.
In order to solve the problem of handling the accumulation fund extraction service, part of the accumulation fund management centers try to be in butt joint with various banks through private lines, and online acquisition of personal house commercial loan information (personal merchant loan data for short) is realized, so that a user can directly go to the accumulation fund management center for service handling, and the time for the user to handle the service is saved to a certain extent.
Wherein, in the related art, the architecture diagram of the service management system of the accumulation fund management center can refer to fig. 1b, wherein,
1) the service management system of each accumulation fund management center is generally selected to be deployed in an internal local area network to isolate the access authority of the public internet, and information leakage is avoided in a physical isolation mode, so that the safety of core service data is ensured.
2) The accumulation fund management center has realized the function of inquiring the merchant credit data on line in the self service management system, thereby simplifying the process of extracting the service. Besides the prerequisite of completing the docking with each bank (commercial bank), it is also necessary to communicate with the communication protocol, message format, etc. of the merchant credit data query interface and form a relevant interface description document.
3) In the process of transacting the repayment and extraction business, a teller assembles a message according to requirements through the identity information (personal name, certificate type and certificate number) provided by a user, then sends an inquiry request to a bank on line, and obtains personal loan data of the user by analyzing the returned message to confirm whether the teller has the qualification of applying repayment and extraction. The specific business process can refer to fig. 1 c.
Although the public deposit fund management center has realized online acquisition of the user's business loan data through the service management system, and optimized the business loan extraction business of handling repayment to a certain extent, this has only realized the target of' zero material ', and if you want to do true' zero run leg ', can move the business to the mobile end, make the user can handle directly through cell-phone APP, little letter little program, etc., need not go to the public deposit fund management center to handle the business, but this will make the user's business loan data of the bank indirectly expose in public internet, will suffer more attacks and cause the personal data to reveal certainly, have great potential safety hazard.
The personal loan data query interface provided by each commercial bank provides services for the public deposit management center in a passive way, even if the data security of the whole transaction line from the bank to the public deposit management center can be completely guaranteed, the use scene of the query interface of the loan data cannot be controlled, for example, the leak is easily utilized by lawless persons, and the business loan data of other people is queried and collected directly through a business management system of the public deposit management center, so that the personal data is leaked.
Fig. 1d is a flowchart of a service management method according to an embodiment of the present invention, where the method may be executed by a service processing apparatus, the apparatus may be implemented by software and/or hardware, the apparatus may be configured in a service processing system, the system may be configured in an electronic device such as a server, the method may be applied in a scenario of processing a public deposit service, and the method may be applied in a scenario of extracting a service from a public deposit, as shown in fig. 1d, a technical solution provided by an embodiment of the present invention includes:
s110: and acquiring the identity information of the user.
In the embodiment of the present invention, the service management system obtains the identity information of the user, wherein the service management system may be configured in the server, and the identity information may include a name, a certificate type, a certificate number, and the like.
S120: and when the inquiry operation of triggering the merchant credit data is detected, inquiring whether effective authorization information of the user to the service management system exists through the authorization subsystem.
In the embodiment of the present invention, the terminal may interface with the service management system, and optionally, in this embodiment, the terminal may be a PC terminal or a mobile terminal. The user can trigger the inquiry operation of the merchant credit data through the terminal, and when the business management system detects the inquiry operation of the triggered merchant credit data, the authorization subsystem inquires whether effective authorization information of the user to the business management system exists. The valid authorization information refers to that the authorization information of the user to the service management system is in the valid period or valid times. Optionally, the validity period or validity times of the authorization information may be determined by the authorization subsystem. For example, after the customer lee finishes authorizing the third party to inquire the personal merchant credit data, the third party should not use the authorization indefinitely, but should limit the effective times of authorization, or the effective time of authorization, so as to avoid the repeated use of an authorization. Factors such as the authorized effective query times, the failure time and the like can be set as system parameters, and a user can set according to the actual service condition.
S130: and if not, verifying the user.
In an implementation manner of the embodiment of the present invention, optionally, if the user does not exist, verifying the user includes: if not, prompting the user to authorize the service management system; and authenticating the user through an authorized public subsystem in a face recognition or short message authentication mode. If the authorization subsystem does not inquire the effective authorization information of the user to the service management system, the user can be prompted to authorize the service management system, wherein the prompting mode is not limited. The user can input the contact way to receive the short message verification information under the condition that the user knows that the service management system needs to be authorized, so that verification is completed, or the service management system acquires a face image of the user through a camera and completes verification on the user based on the face image.
In one implementation manner of the embodiment of the present invention, if it is queried through the authorization subsystem whether there is valid authorization information of the user to the service management system, S150 is executed.
S140: and under the condition of successful verification, if the authorization instruction of the user is received, recording authorization information of the service management system.
In the embodiment of the invention, the terminal can display the authorization window under the condition of successful user verification, and when the user triggers the authorization operation through the authorization window, the service management system receives the authorization instruction of the user, records the authorization information of the service management system and completes the authorization of the service management system.
S150: and calling an interface of the bank end to send a query request to the bank end, wherein the query request carries the identity information of the user.
In an implementation manner of the embodiment of the present invention, optionally, when the query operation of triggering merchant credit data is detected again, the valid authorization information of the user to the service management system is queried through the authorization subsystem; and calling an interface of the bank end through an external connection service module to send a query request to the bank end.
In this embodiment, after the authorization record of the service management system is completed, the user may trigger the query operation of the merchant credit data again, the service management system detects the query operation of the merchant credit data again, and if the authorization information of the user to the service management system is valid through the authorization subsystem, the external connection service module calls an interface of the bank end to send a query request to the bank end.
In the embodiment of the present invention, optionally, the data range of the query request query is defined by an external connection service module or an interface of the bank end. The bank end not only stores the housing business loan data, but also comprises other types of loan data, such as personal credit loan, consumption loan and the like, so that an interface of the bank end can be defined, an output field is customized according to actual business requirements, but the minimization principle of the data field is required to be followed, so that the data range of the query request is limited, the bank end feeds back the business loan data corresponding to the query request, extra data is avoided being returned, and the safety level of the data can be improved. The query request carries identity information of the user, wherein the identity information can be personal three-element information, and the personal three-element information can be a name, a certificate type and a certificate number. Wherein, for the definition information of the interface, table 2 can be referred to.
TABLE 2
In this embodiment, after the authorization record of the business management system is completed, the authorization of the business management system is completed, that is, the business management system is authorized by the user to access the credit data of the inquiring merchant at the bank end.
S160: and receiving the credit data fed back by the bank based on the identity information of the user, and performing service processing based on the credit data.
In the embodiment of the invention, the bank end can inquire the corresponding business credit data based on the identity information of the user in the inquiry request and feed back the business credit data to the business management system, and the business management system receives the business credit data and carries out business processing based on the business credit data.
In an implementation manner of the embodiment of the present invention, optionally, the performing service processing based on the credit data includes: judging the business handling qualification and the extraction amount of the user based on the business loan data; and if the user has business handling qualification, finishing the extraction business based on the extraction amount. The service handling qualification may be a public deposit withdrawal qualification, and the service management system may judge whether the user has the public deposit withdrawal qualification based on the business credit data and confirm the withdrawal amount. Under the condition that the user has the qualification of public deposit fund extraction, if the operation that the user submits the transaction is detected, the extraction service is completed based on the extracted amount, and after the service transaction is completed, the record of the user authorization information can be automatically invalidated. Therefore, whether the user has the qualification of the extraction of the public deposit is judged through the business management system according to the business loan data, if the user has the qualification of business handling, the extraction business is completed based on the extracted amount, and the problem that the loan materials can not be verified to be true or false can be solved.
The technical scheme provided by the embodiment of the invention inquires whether effective authorization information of a user to a business management system exists or not when the inquiry operation of triggering business loan data is detected, verifies the user if the effective authorization information does not exist, records the authorization information of the business management system if an authorization instruction of the user is received under the condition of successful verification, calls an interface of a bank end to send an inquiry request to the bank end, receives business loan data fed back by the bank end based on identity information in the inquiry request, and performs business processing based on the business loan data, namely calls an interface of a bank end to send the inquiry request to the bank end by inquiring the effective authorization information of the user to the business management system and receives the business loan data, can effectively reduce the leakage risk of personal privacy data under the condition that the business handling efficiency is not influenced, and ensures the safety of the business loan data, the method and the system can improve the falling of the business handling, reduce the threshold of the business handling of the user and improve the risk control capability.
Fig. 2a is a flowchart of a service management method provided in an embodiment of the present invention, and in this embodiment, the technical solution provided in the embodiment of the present invention may further include:
sending sign-in information to the bank terminal at set intervals, and receiving key information fed back by the bank terminal based on the sign-in information;
correspondingly, the receiving of the credit data fed back by the bank based on the identity information of the user and the business processing based on the credit data includes:
and receiving the credit data in an encrypted form fed back by the bank based on the identity information of the user, decrypting the credit data based on the key information, and performing service processing based on the credit data.
Optionally, if the user does not exist, the verifying the user includes:
if not, prompting the user to authorize the service management system;
verifying the user through a face recognition or short message verification mode by an authorized public subsystem;
correspondingly, the step of calling the interface of the bank end to send the query request to the bank end comprises the following steps:
when the inquiry operation of triggering merchant credit data is detected again, inquiring the effective authorization information of the user to the service management system through an authorization subsystem;
and calling an interface of the bank end through an external connection service module to send a query request to the bank end.
Optionally, the performing service processing based on the credit data includes:
judging the business handling qualification and the extraction amount of the user based on the business loan data;
and if the user has business handling qualification, finishing the extraction business based on the extraction amount.
As shown in fig. 2a, the technical solution provided by the embodiment of the present invention includes:
s210: and sending sign-in information to the bank terminal at set intervals, and receiving key information fed back by the bank terminal based on the sign-in information.
In the embodiment of the invention, the set time can be one day, and the business management system can send the sign-in information to the bank terminal every day to acquire the key information. Wherein, the key information can be a new exchange key automatically generated by the bank. The service management system changes the new key information every day. If the service management system does not acquire new key information, the bank end feeds back prompt error information when initiating the query request.
Therefore, the check-in information is sent to the bank end, and the secret key information fed back by the bank end is received, so that the business credit data are decrypted based on the secret key information, and the safety of the business credit data is enhanced.
S220: and acquiring the identity information of the user.
S230: and when the inquiry operation of triggering the merchant credit data is detected, inquiring whether effective authorization information of the user to the service management system exists through the authorization subsystem.
If yes, go to step S270, and if not, go to step S240.
S240: prompting the user to authorize the service management system;
s250: and authenticating the user through an authorized public subsystem in a face recognition or short message authentication mode.
S260: and when the inquiry operation of triggering the merchant credit data is detected again, inquiring the effective authorization information of the user to the service management system through the authorization subsystem.
S270: and calling an interface of the bank end through an external connection service module to send a query request to the bank end.
S280: and receiving the credit data in an encrypted form fed back by the bank based on the identity information of the user, decrypting the credit data based on the key information, and performing service processing based on the credit data.
In the embodiment of the invention, the Data communicated between the service management system and the bank end is encrypted and transmitted by adopting a Data Encryption Standard (DES), and the used key information is formed by splicing 2 sections of keys and can be formed by splicing a fixed key section and a random key section. (the key information randomly sent by the bank end when signing in each time, and the encryption and decryption processing is carried out on the data by using the key information until signing in again next time). All communicated data is encrypted, except for 'sign-in (key information getting)' transaction.
The bank inquires the merchant credit data based on the inquiry request, encrypts the merchant credit data, sends the encrypted merchant credit data to the service management system, and the service management system decrypts the merchant credit data based on the secret key information and performs service processing based on the merchant credit data.
Therefore, the check-in information is sent to the bank end, the secret key information fed back by the bank end is received, and the merchant credit data is decrypted based on the secret key information, so that the leakage of personal privacy data can be avoided, and the security of the merchant credit data can be enhanced.
On the basis of the foregoing embodiment, the method provided in the embodiment of the present invention may further include: and checking the authorization information in the preset time period through the authorization subsystem. By checking the authorization information at intervals, the authorization information of the user can be accurately checked, so that the safety of the user merchant credit data is ensured.
On the basis of the embodiment of the invention, a query request can be sent to a system of a public security department through the service management system so as to check the identity information of the user. And credit investigation data and the like of the user can be inquired through the service management system.
On the basis of the embodiment of the invention, the bank end and the service management system can record the authorization information. In order to prevent malice, the method adopts a mode of artificially forging authorization records in advance and cleaning the scene afterwards, so that the system safety control is crossed and the merchant credit data of the user is obtained. For such a situation, the authorization information records should be kept with history records, and by combining with functions of the auditing system, all authorization information records can be examined afterwards to judge whether an abnormal situation exists, and the device like the same IP address continuously initiates different user authorization actions.
In order to describe the technical solution of the embodiment of the present invention more clearly, the technique provided by the embodiment of the present invention may further include the steps as shown in the figure:
(1) apply for paying and repayment the commercial loan and withdraw the public deposit, users carry the identity card, public deposit allies the name card to go to the central counter of the public deposit and handle the business (at this moment need not carry the personal housing business that the bank website offers to loan materials such as contract and repayment itemization).
(2) The personal certificate number of the applied service is manually input (or can be automatically acquired through an identity card reader).
(3) And the user clicks an interface button to trigger the service of inquiring personal merchant credit data by the service management system background.
(4) Before the business management system initiates inquiry to the loan commercial bank, the business management system judges whether a person has a valid authorization record, and if the system does not exist, the business management system prompts: the client is required to complete the inquiry of the authorized accumulation fund management center in advance.
(5) The application extraction user confirms the personal real identity information through modes of face recognition or short message authentication and the like.
(6) The user completes authorization and the system automatically registers.
(7) Clicking the interface button again triggers the inquiry of personal merchant credit data (unlike step 3, where valid authorization already exists, which can be verified by the system).
(8) The inquiry request is sent to the commercial bank end, and after being processed by the commercial bank end, the inquiry request returns corresponding personal loan data.
(9) The system confirms whether the customer meets the extraction qualification and the extractable quota according to the bank return result.
(10) And submitting and completing the extraction service.
(11) After the transaction is completed, the customer authorization record is automatically invalidated.
Meanwhile, each public deposit management center responds to the call of 'zero material, zero leg running' of the establishment department, most of services are moved to the mobile terminal from the business hall of the public deposit management center, such as a personal network hall, a mobile phone APP, a WeChat small program and the like, all the services can be handled, the business loan repayment extraction service is also included, the handling services originally completed by tellers in the business hall are transferred to individuals to fill in and submit the services by themselves, and the authorization link can still be inserted in the service handling process.
Fig. 2b may be referred to for a specific flow of the service processing method.
Fig. 3 is a flowchart of a service management method according to an embodiment of the present invention, where the method provided in this embodiment is applied to a terminal, a service management system, and a bank end.
As shown in fig. 3, the technical solution provided by the embodiment of the present invention includes:
s310: the terminal acquires the identity information of the user.
In the embodiment of the present invention, the terminal may be a PC terminal or may be a mobile terminal. The user can input the identity information of the user through the installed application program or the applet by the terminal, so that the terminal acquires the identity information of the user.
S320: when the terminal detects the inquiry operation of triggering merchant credit data, sending an inquiry request to a service management system; and the query request carries the identity information of the user.
The application program or the applet installed in the terminal can be interfaced with the service management system, and the application program or the applet installed in the terminal can provide an inquiry function for inquiring the merchant credit data. The user can trigger the control with the business credit data query function in the application program or the applet, and the terminal detects the query operation of triggering the business credit data and sends a query request to the service management system.
S330: and when the service management system receives the query request, the authorization subsystem queries whether effective authorization information of the user to the service management system exists.
If yes, go to step S360, and if not, go to step S340.
S340: and the service management system verifies the user.
In an implementation manner of the embodiment of the present invention, the verifying the user by the service management system includes: the terminal acquires verification information of a user and sends the verification information to a service management system; and the service management system authenticates the user based on the authentication information of the user. The verification information of the user can be a face image of the user or short message verification information of the user. The face image of the user can be shot by a camera on the terminal, or can be an uploaded or stored user image.
S350: and under the condition of successful verification, if the terminal receives an authorization instruction of the user, sending the authorization instruction to the service management system so as to record authorization information of the service management system.
In the embodiment of the invention, under the condition of successful verification, the service management system can feed back a notification message to the terminal, when the terminal receives the notification message, the authorization window is displayed, the window can display the authorized confirmation control of the user, when the user triggers the confirmation control, the terminal receives the authorization instruction of the user, sends the authorization instruction to the service management system, and records the authorization information through the authorization subsystem.
S360: and the service management system calls an interface of the bank end to send the query request to the bank end, wherein the query request carries the identity information of the user.
Wherein, the step can refer to the corresponding step in the above embodiment.
S370: and the business management system receives the business loan data fed back by the bank based on the identity information of the user and feeds back the business loan data to the terminal.
In the embodiment of the invention, the bank terminal can inquire the merchant credit data based on the identity information of the user in the inquiry request and feed back the merchant credit data to the service management system, and the service management system feeds back the merchant credit data to the terminal.
S380: and the terminal receives the business loan data and performs business processing based on the business loan data through a business management system when receiving business processing operation on the business loan data.
In the embodiment of the invention, the terminal receives the business loan data and can display the business loan data for the user to view. The terminal can display a corresponding control for carrying out service processing on the business loan data, when the terminal detects that a user triggers the control, the terminal detects the service processing operation on the business loan data, and sends a service processing instruction to the service management system, and the service management system receives the instruction and carries out service processing based on the business loan data.
According to the technical scheme provided by the embodiment of the invention, the business processing can be moved to the terminal and directly handled through the application program, the small program and the like without going to a deposit management center for handling, so that the time of a user is saved, and the safety of sensitive data of the user is ensured.
Fig. 4 is a block diagram of a service processing apparatus according to an embodiment of the present invention, and as shown in fig. 4, the apparatus includes: an acquisition module 410, a verification module 420, an authorization subsystem 430, a verification module 440, a calling module 450, and a receiving/processing module 460.
An obtaining module 410, configured to obtain identity information of a user;
the authorization subsystem 420 is used for querying whether effective authorization information of a user to the service management system exists through the authorization subsystem when the query operation of triggering the merchant credit data is detected;
a verification module 430, configured to verify the user if the user does not exist;
the authorization module 440 is configured to, if the authorization instruction of the user is received in the case that the verification is successful, perform authorization information recording on the service management system;
the invoking module 450 is configured to invoke an interface of a bank end to send an inquiry request to the bank end, where the inquiry request carries identity information of a user;
and the receiving/processing module 460 is configured to receive the credit data fed back by the bank based on the identity information of the user, and perform service processing based on the credit data.
Optionally, the device further includes an attendance module, configured to send attendance information to the bank end at set intervals, and receive key information fed back by the bank end based on the attendance information;
correspondingly, the receiving of the credit data fed back by the bank based on the identity information of the user and the business processing based on the credit data includes:
and receiving the credit data in an encrypted form fed back by the bank based on the identity information of the user, decrypting the credit data based on the key information, and performing service processing based on the credit data.
Optionally, if the user does not exist, the verifying the user includes:
if not, prompting the user to authorize the service management system;
verifying the user through a face recognition or short message verification mode by an authorized public subsystem;
correspondingly, the step of calling the interface of the bank end to send the query request to the bank end comprises the following steps:
when the inquiry operation of triggering merchant credit data is detected again, inquiring the effective authorization information of the user to the service management system through an authorization subsystem;
and calling an interface of the bank end through an external connection service module to send a query request to the bank end.
Optionally, the data range queried by the query request is limited by the external connection service module or an interface of the bank end.
Optionally, the authorization subsystem is further configured to determine a validity period or validity times of the authorization information.
Optionally, the authorization subsystem is further configured to check authorization information within a preset time period.
Optionally, the performing service processing based on the credit data includes:
judging the business handling qualification and the extraction amount of the user based on the business credit data;
and if the user has business handling qualification, finishing the extraction business based on the extraction amount.
The device can execute the method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Fig. 5 is a block diagram of a service management system according to an embodiment of the present invention, where the system may be a housing accumulation fund service management system, where the system may be accessed through a mobile phone, a tablet, a PC terminal, or some industry application. Wherein the industry application can be installed on a mobile phone, a tablet or a PC terminal. As shown in fig. 5, includes: the system comprises a core service platform, a public subsystem, an authorization subsystem and an external connection service module; wherein, the core service platform can be a public accumulation fund core service platform.
The authorization subsystem is used for inquiring whether effective authorization information of a user to the service management system exists or not when the inquiry operation of triggering the merchant credit data is detected;
the public subsystem is used for verifying the user if valid authorized information of the user does not exist;
the authorization subsystem is used for recording authorization information of the service management system if receiving an authorization instruction of the user under the condition of successful verification;
the external connection service module is used for calling an interface of a bank end to send a query request to the bank end, wherein the query request carries identity information of a user;
and the core business platform is used for receiving the business loan data fed back by the bank based on the identity information of the user and carrying out business processing based on the business loan data.
Optionally, the authorization subsystem includes an authorization registration module, an authorization modification module, an authorization verification module, and an authorization auditing module; the authorization registration module is used for registering authorization information; the authorization changing module is used for changing the authorization information; the authorization verification module is used for verifying the authorization information; and the authorization checking module is used for checking the authorization information every other preset time period.
The system includes a structure as shown in fig. 5, and functions of other modules are referred to related arts.
Fig. 6 is a schematic structural diagram of a service processing system according to an embodiment of the present invention, which is characterized by including a terminal 610, a service management system 620, and a bank end 630.
The terminal 610 is configured to acquire identity information of a user, and send a query request to the service management system when detecting a query operation that triggers merchant credit data; the query request carries the identity information of the user;
the service management system 620 is configured to, when receiving the query request, query, by the authorization subsystem, whether valid authorization information of the user to the service management system exists, and if not, authenticate the user;
the terminal 610 is configured to, if an authorization instruction of the user is received under the condition that the verification is successful, send the authorization instruction to the service management system 620;
the service management system 620 is configured to record authorization information of the service management system, and send the query request to the bank end 630 by calling an interface of the bank end;
the bank end 630 is configured to query corresponding merchant loan data based on the query request, and feed back the merchant loan data to the service management system 620;
the service management system 620 receives the credit data fed back by the bank end 630 based on the identity information of the user, and feeds back the credit data to the terminal 610;
and the terminal 610 is configured to receive the credit data, and perform service processing based on the credit data through the service management system 620 when receiving a service processing operation on the credit data.
The above-described related functions may be described with reference to the above-described embodiments.
Fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present invention, where the electronic device may be a server, and as shown in fig. 7, the electronic device includes:
one or more processors 710, one processor 710 being illustrated in FIG. 7;
a memory 720;
the apparatus may further include: an input device 730 and an output device 740.
The processor 710, the memory 720, the input device 730 and the output device 740 of the apparatus may be connected by a bus or other means, for example, in fig. 7.
The memory 720, which is a non-transitory computer-readable storage medium, can be used for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to a business processing method in the embodiment of the present invention (for example, the obtaining module 410, the verifying module 420, the authorizing subsystem 430, the verifying module 440, the calling module 450, and the receiving/processing module 460 shown in fig. 4). The processor 710 executes various functional applications and data processing of the computer device by executing software programs, instructions and modules stored in the memory 720, namely, implements a service processing method of the above method embodiment, that is:
acquiring identity information of a user;
when the inquiry operation of triggering merchant credit data is detected, inquiring whether effective authorization information of a user to a service management system exists through an authorization subsystem;
if not, verifying the user;
under the condition of successful verification, if the authorization instruction of the user is received, recording authorization information of a service management system;
calling an interface of a bank end to send a query request to the bank end, wherein the query request carries identity information of a user;
and receiving the credit data fed back by the bank based on the identity information of the user, and performing service processing based on the credit data.
The memory 720 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to use of the computer device, and the like. Further, the memory 720 may include high speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, memory 720 may optionally include memory located remotely from processor 710, which may be connected to the terminal device via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 730 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the computer apparatus. The output device 740 may include a display device such as a display screen.
An embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements a service processing method according to an embodiment of the present invention:
acquiring identity information of a user;
when the inquiry operation of triggering merchant credit data is detected, inquiring whether effective authorization information of a user to a service management system exists through an authorization subsystem;
if not, verifying the user;
under the condition of successful verification, if the authorization instruction of the user is received, recording authorization information of a service management system;
calling an interface of a bank end to send a query request to the bank end, wherein the query request carries identity information of a user;
and receiving the credit data fed back by the bank based on the identity information of the user, and performing service processing based on the credit data.
Any combination of one or more computer-readable media may be employed. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (16)
1. A method for processing a service, comprising:
acquiring identity information of a user;
when the inquiry operation of triggering merchant credit data is detected, inquiring whether effective authorization information of a user to a service management system exists through an authorization subsystem;
if not, verifying the user;
under the condition of successful verification, if the authorization instruction of the user is received, recording authorization information of a service management system;
calling an interface of a bank end to send a query request to the bank end, wherein the query request carries identity information of a user;
and receiving the credit data fed back by the bank based on the identity information of the user, and performing service processing based on the credit data.
2. The method of claim 1, further comprising:
sending sign-in information to the bank terminal at set intervals, and receiving key information fed back by the bank terminal based on the sign-in information;
correspondingly, the receiving of the credit data fed back by the bank based on the identity information of the user and the business processing based on the credit data includes:
and receiving the credit data in an encrypted form fed back by the bank based on the identity information of the user, decrypting the credit data based on the key information, and performing service processing based on the credit data.
3. The method of claim 2, wherein authenticating the user if not present comprises:
if not, prompting the user to authorize the service management system;
verifying the user through a face recognition or short message verification mode by an authorized public subsystem;
correspondingly, the step of calling the interface of the bank end to send the query request to the bank end comprises the following steps:
when the inquiry operation of triggering merchant credit data is detected again, inquiring the effective authorization information of the user to the service management system through an authorization subsystem;
and calling an interface of the bank end through an external connection service module to send a query request to the bank end.
4. The method of claim 3, wherein the extranet service module or the bank-side interface defines a data range of the query request query.
5. The method of claim 1, further comprising:
the validity period or the validity times of the authorization information is determined by the authorization subsystem pair.
6. The method of claim 1, further comprising:
and checking the authorization information in the preset time period through the authorization subsystem.
7. The method of claim 1, wherein the conducting business processes based on the lending data comprises:
judging the business handling qualification and the extraction amount of the user based on the business credit data;
and if the user has business handling qualification, finishing the extraction business based on the extraction amount.
8. A method for service management, comprising:
the terminal acquires identity information of a user;
when the terminal detects the inquiry operation of triggering merchant credit data, sending an inquiry request to a service management system; the query request carries the identity information of the user;
when the service management system receives the query request, the authorization subsystem queries whether effective authorization information of the user to the service management system exists;
if not, the service management system verifies the user;
under the condition of successful verification, if the terminal receives an authorization instruction of the user, the authorization instruction is sent to the service management system so as to record authorization information of the service management system;
the business management system calls an interface of the bank end to send the query request to the bank end, wherein the query request carries the identity information of the user;
the business management system receives business credit data fed back by the bank based on the identity information of the user and feeds back the business credit data to the terminal;
and the terminal receives the business loan data and performs business processing based on the business loan data through the business management system when receiving business processing operation on the business loan data.
9. The method of claim 8, wherein the terminal comprises a mobile terminal, a Personal Computer (PC) terminal, or other terminals.
10. The method of claim 9, wherein the service management system authenticates the user, comprising:
the terminal acquires verification information of a user and sends the verification information to the service management system;
and the service management system authenticates the user based on the authentication information of the user.
11. A traffic processing apparatus, comprising:
the acquisition module is used for acquiring the identity information of the user;
the authorization subsystem module is used for inquiring whether effective authorization information of a user to the service management system exists through the authorization subsystem when the inquiry operation of triggering the merchant credit data is detected;
the verification module is used for verifying the user if the user does not exist;
the authorization module is used for recording authorization information of the service management system if receiving an authorization instruction of a user under the condition of successful verification;
the system comprises a calling module, a receiving module and a processing module, wherein the calling module is used for calling an interface of a bank end to send a query request to the bank end, and the query request carries identity information of a user;
and the receiving/processing module is used for receiving the credit data fed back by the bank based on the identity information of the user and carrying out service processing based on the credit data.
12. A traffic management system, comprising: the system comprises a core service platform, a public service subsystem, an authorization subsystem and an external connection service module;
the authorization subsystem is used for inquiring whether effective authorization information of a user to the service management system exists or not when the inquiry operation of triggering the merchant credit data is detected;
the public service subsystem is used for verifying the user if valid authorized information of the user does not exist;
the authorization subsystem is used for recording authorization information of the service management system if receiving an authorization instruction of the user under the condition of successful verification;
the external connection service module is used for calling an interface of a bank end to send a query request to the bank end, wherein the query request carries identity information of a user;
and the core business platform is used for receiving the business loan data fed back by the bank based on the identity information of the user and carrying out business processing based on the business loan data.
13. The system of claim 12, wherein the authorization subsystem includes an authorization registration module, an authorization modification module, an authorization verification module, and an authorization audit module;
the authorization registration module is used for registering authorization information;
the authorization changing module is used for changing the authorization information;
the authorization verification module is used for verifying the authorization information;
and the authorization checking module is used for checking the authorization information every other preset time period.
14. A business processing system is characterized by comprising a terminal, a business management system and a bank end;
the terminal is used for acquiring the identity information of the user and sending a query request to the service management system when detecting the query operation of triggering merchant credit data; the query request carries the identity information of the user;
the service management system is used for inquiring whether effective authorization information of the user to the service management system exists through the authorization subsystem when the inquiry request is received, and verifying the user if the effective authorization information does not exist;
the terminal is used for sending the authorization instruction to the service management system if receiving the authorization instruction of the user under the condition of successful verification;
the business management system is used for recording authorization information of the business management system and calling an interface of a bank end to send the query request to the bank end;
the bank end is used for inquiring corresponding business loan data based on the inquiry request and feeding back the business loan data to the service management system;
the business management system receives the business loan data fed back by the bank based on the identity information of the user and feeds back the business loan data to the terminal;
and the terminal is used for receiving the business loan data and carrying out business processing based on the business loan data through the business management system when business processing operation of the business loan data is received.
15. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
16. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 7.
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| CN202011036073.8A CN112182653A (en) | 2020-09-27 | 2020-09-27 | Service processing method, device, equipment and storage medium |
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