CN112529693A - Public credit loan system for rapid qualification evaluation - Google Patents
Public credit loan system for rapid qualification evaluation Download PDFInfo
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- CN112529693A CN112529693A CN202011504779.2A CN202011504779A CN112529693A CN 112529693 A CN112529693 A CN 112529693A CN 202011504779 A CN202011504779 A CN 202011504779A CN 112529693 A CN112529693 A CN 112529693A
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- 238000012797 qualification Methods 0.000 title claims abstract description 45
- 238000011156 evaluation Methods 0.000 title claims abstract description 8
- 238000012795 verification Methods 0.000 claims abstract description 36
- 238000000034 method Methods 0.000 claims abstract description 13
- 238000011835 investigation Methods 0.000 claims description 17
- 238000012552 review Methods 0.000 claims description 15
- 238000012545 processing Methods 0.000 claims 2
- 230000009286 beneficial effect Effects 0.000 description 3
- 238000010586 diagram Methods 0.000 description 3
- 238000012550 audit Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
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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
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
Abstract
The invention discloses a public credit loan system for rapid qualification evaluation, which comprises an information input module, an identity verification module, a material submission module, a risk verification module, a qualification verification module and a credit verification module, wherein the information input module is used for acquiring basic identity information provided by a borrower, and the basic identity information comprises a borrower name, a borrower identity card number, a borrower certificate photo and a borrower hand-held certificate photo; compared with manual auditing, the auditing speed of the invention is greatly accelerated for borrowers, so that the invention is convenient for emergency use, and meanwhile, all operations can be completed at a network client, so that complex auditing procedures are saved, the use is easier, the cost of manual auditing is reduced for borrowers, and meanwhile, the auditing is more accurate and efficient by utilizing a credit system, and the borrowing risk is conveniently reduced for the borrowers by setting occupation, income and the like, so that the invention is safer and more efficient to use.
Description
Technical Field
The invention belongs to the technical field of credit loan, and particularly relates to a public credit loan system for rapid qualification evaluation.
Background
The credit loan is a loan issued by the credit of the borrower, the borrower does not need to provide guarantee, and the credit loan is characterized in that the debtor can obtain the loan only by the credit of the debtor without providing collateral or third-party guarantee, and the credit degree of the borrower is used as repayment guarantee.
The existing credit loan system needs the borrower to provide a lot of materials, the borrowers such as banks adopt manual examination, the borrowing procedure is very troublesome for the borrower, the time consumption is long, the borrower is inconvenient to use when in urgent need, the time and the labor are wasted for the borrower, and meanwhile, the problem that the risk is difficult to accurately control is also caused.
Disclosure of Invention
The invention aims to provide a public credit system for rapid qualification evaluation, which solves the problems that the prior credit system in the background art needs a borrower to provide a plurality of materials, and borrowers such as banks adopt manual verification, so that the borrowing procedure is very troublesome for the borrower, the time consumption is long, the borrower is inconvenient to use when in urgent need, the borrower wastes time and labor, and the risk is difficult to accurately control.
In order to achieve the purpose, the invention adopts the technical scheme that:
a public credit loan system for rapid qualification evaluation comprises an information input module, an identity verification module, a material submission module, a risk auditing module, a qualification auditing module and a credit auditing module, wherein the information input module is used for acquiring basic identity information provided by a borrower, and the basic identity information comprises a borrower name, a borrower identity card number, a borrower certificate photo and a borrower handheld certificate photo; the identity authentication module is used for verifying whether the borrower operates by himself or herself and the user property of the borrower; the material submitting module is used for submitting loan auditing materials by a borrower, wherein the auditing materials comprise necessary materials and auxiliary auditing materials; the risk auditing module is used for controlling the risk of the borrower of the new user to obtain the primary auditing feedback; the qualification examination module is used for performing qualification calculation by utilizing the acquired borrower information to obtain a final primary result; and the credit auditing module carries out secondary auditing on the borrower by acquiring the credit investigation report of the borrower.
As a further scheme of the present invention, the identity verification module includes a face recognition module, and the identification photo acquired by the information entry module is transmitted into the face recognition module.
As a further scheme of the present invention, the material submitting module requires a borrower to enter loan audit materials, the loan audit materials include necessary materials and auxiliary materials, the necessary materials include a mobile phone number, a bank card number, an identity card, a house number, a personal income proving material, a running record of a bank card in one year, a public deposit account name and a password, the auxiliary materials include a personal occupation proving, a current residence address material and a relative basic material, and the file materials all adopt PDF format files.
As a further scheme of the present invention, the risk auditing module is only applied to the new user, the new user fails the first risk auditing, and the risk auditing module returns to the material submitting module.
As a further scheme of the invention, the qualification review module comprises a job review, a income review and a residence review, and the job review, the income review and the residence review can be set through a background.
As a further aspect of the present invention, the credit examination module may obtain a credit investigation report of the borrower, and the number of times of credit investigation and inquiry in a year after examination is passed is set to be an N value, where the N value may be set by a background.
A public credit loan system for rapid qualification, the use method of the system comprises the following steps:
the method comprises the following steps: the method comprises the steps that a borrower prepares necessary materials and logs in a public credit loan system through a network terminal, the borrower inputs personal basic information and certification materials into an information input module, the credit loan system obtains the basic information of the borrower through the materials input by the borrower, then the credit loan system verifies whether the borrower operates according to the certificate of the borrower and a face verification module, if the face verification fails, the verification is finished, the borrower does not pass the verification, if the face verification passes, the credit loan system inquires whether the borrower has a credit loan record, if the borrower has the credit loan record, an old user interface is accessed, and if the user does not have the credit loan record, a new user interface is accessed
Step two: the borrower enters a material submitting module, at the moment, the borrower needs to submit necessary materials including a mobile phone number, a bank card number, an identity card, a house number book, a personal income proving material, a running record of the bank card in one year, a public deposit account name and a password according to the requirement, the auxiliary materials include a personal occupation proving, a current residence address material and a relative basic material, the borrower enters a risk auditing module after the material of the new user is submitted, a credit loan system simulates risk calculation according to the information submitted by the user, when the borrower fails for the first time, the borrower returns to the material submitting module, at the moment, the borrower of the new user can improve the passing rate of the risk auditing module by providing more materials, and when the borrower fails for the second time, the borrower does not pass;
step three: the credit loan system checks credit loan qualification according to the borrower materials, the qualification checking can check the occupation, income and residence of the borrower, when all qualification checks are passed, the borrower is judged to have credit loan qualification, and a credit checking module is entered, the credit checking module can obtain a credit investigation report of the borrower, the credit loan system checks the borrower information whether a debt exists or not, the credit investigation inquiry times are checked again, if all the details are passed, the user obtains the credit loan qualification, and if one of the details are not passed, the user does not check the credit loan qualification.
Compared with the prior art, the invention has the following beneficial effects:
for borrowers, compared with manual auditing, the auditing speed is greatly increased by using the method, the method is convenient for emergency use, and meanwhile, all operations can be completed at a network client, so that a complex auditing program is saved, and the use is easier;
for the borrower, the cost of manual examination is reduced, the credit system is utilized to examine more accurately and efficiently, the borrower is convenient to reduce the borrowing risk by setting occupation, income and the like, and the use is safer and more efficient.
Drawings
FIG. 1 is a general flow diagram of the present invention;
FIG. 2 is a flow chart of an information entry module and an identity verification module of the present invention;
FIG. 3 is a flow diagram of a qualification review module of the present invention;
FIG. 4 is a flow diagram of a credit auditing module of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-4, the invention provides a public credit loan system for rapid qualification evaluation, which comprises an information input module, an identity verification module, a material submission module, a risk verification module, a qualification verification module and a credit verification module, wherein the information input module is used for acquiring basic identity information provided by a borrower, and the basic identity information comprises a borrower name, a borrower identity card number, a borrower certificate photo and a borrower hand-held certificate photo; the identity authentication module is used for verifying whether the borrower operates by himself or herself and the user property of the borrower; the material submitting module is used for submitting loan auditing materials by the borrower, wherein the auditing materials comprise necessary materials and auxiliary auditing materials; the risk auditing module is used for controlling the risk of the borrower of the new user to obtain preliminary auditing feedback; the qualification examination module is used for performing qualification calculation by utilizing the acquired borrower information to obtain a final primary result; and the credit auditing module is used for carrying out secondary auditing on the borrower by acquiring the credit investigation report of the borrower.
The identity verification module comprises a face recognition module, the identification photo acquired by the information input module is transmitted into the face recognition module, the borrower enters the identity verification module through the information input module, the credit loan system verifies whether the borrower operates for himself or herself according to the identification photo of the borrower and the face verification module, if the face verification fails, the qualification verification is finished, the borrower does not pass the verification, if the face verification passes, the credit loan system inquires whether the borrower has a credit loan record, if the borrower has the credit loan record, the old user interface is entered, and if the user does not have the credit loan record, a new user interface is entered.
The material submitting module is mainly used for the borrower to provide own auditing materials, the essential materials refer to materials which the user must submit, if the essential materials are not submitted sufficiently, the borrower cannot enter the next interface, the auxiliary materials refer to materials which the borrower submits and are beneficial to improving the auditing passing rate, and more materials are submitted and are beneficial to passing the final auditing.
The risk auditing module is only applied to the new user, the new user fails the first risk auditing, the risk auditing module returns to the material submitting module, the risk of lending to the new user is higher than that of an old user with good credit, the risk auditing module can effectively reduce the risk of a borrower, meanwhile, the new user uses credit for the first time, and when the first time fails the risk auditing, the credit system encourages the new user to submit more auxiliary materials for improving the auditing passing probability.
The qualification auditing module comprises occupation auditing, income auditing and residence auditing, the occupation auditing, the income auditing and the residence auditing can be set by a background, the qualification auditing mainly inspects the repayment capability of the borrower, and the borrower can effectively reduce the borrowing risk by setting high-threshold occupation and income requirements.
The credit examination module can obtain the credit investigation report of the borrower, the credit investigation inquiry times in one year are set as N values, the N values can be set through a background, the credit investigation times can reflect the economic situation of the borrower to a certain degree, and the credit investigation times are excessive to reflect the larger risk of the borrower to a certain degree.
A public credit loan system for rapid qualification, the use method of the system comprises the following steps:
the method comprises the following steps: the method comprises the steps that a borrower prepares necessary materials and logs in a public credit loan system through a network terminal, the borrower inputs personal basic information and proving materials into an information input module, the credit loan system obtains the basic information of the borrower through the materials input by the borrower, then the credit loan system verifies whether the borrower operates according to certificate pictures of the borrower and a face verification module, if the face verification fails, the verification is finished, the borrower does not pass the verification, if the face verification passes, the credit loan system inquires whether the borrower has a credit loan record, if the borrower has the credit loan record, an old user interface is entered, and if the user does not have the credit loan record, a new user interface is entered;
step two: the borrower enters a material submitting module, at the moment, the borrower needs to submit necessary materials including a mobile phone number, a bank card number, an identity card, a house number book, a personal income proving material, a running record of the bank card in one year, a public deposit account name and a password according to the requirement, the auxiliary materials include a personal occupation proving, a current residence address material and a relative basic material, the borrower enters a risk auditing module after the material of the new user is submitted, a credit loan system simulates risk calculation according to the information submitted by the user, when the borrower fails for the first time, the borrower returns to the material submitting module, at the moment, the borrower of the new user can improve the passing rate of the risk auditing module by providing more materials, and when the borrower fails for the second time, the borrower does not pass;
step three: the credit loan system checks credit loan qualification according to the borrower materials, the qualification checking can check the occupation, income and residence of the borrower, when all qualification checks are passed, the borrower is judged to have credit loan qualification, and a credit checking module is entered, the credit checking module can obtain a credit investigation report of the borrower, the credit loan system checks the borrower information whether a debt exists or not, the credit investigation inquiry times are checked again, if all the details are passed, the user obtains the credit loan qualification, and if one of the details are not passed, the user does not check the credit loan qualification.
The foregoing shows and describes the general principles and broad features of the present invention and advantages thereof. It will be understood by those skilled in the art that the present invention is not limited to the embodiments described above, which are described in the specification and illustrated only to illustrate the principle of the present invention, but that various changes and modifications may be made therein without departing from the spirit and scope of the present invention, which fall within the scope of the invention as claimed. The scope of the invention is defined by the appended claims and equivalents thereof.
Claims (7)
1. A public credit loan system for rapid qualification evaluation comprises an information entry module, an identity verification module, a material submission module, a risk examination module, a qualification examination module and a credit examination module, and is characterized in that: the system comprises an information input module, a data processing module and a data processing module, wherein the information input module is used for acquiring basic identity information provided by a borrower, and the basic identity information comprises a borrower name, a borrower identity card number, a borrower certificate photo and a borrower handheld certificate photo; the identity authentication module is used for verifying whether the borrower operates by himself or herself and the user property of the borrower; the material submitting module is used for submitting loan auditing materials by a borrower, wherein the auditing materials comprise necessary materials and auxiliary auditing materials; the risk auditing module is used for controlling the risk of the borrower of the new user to obtain the primary auditing feedback; the qualification examination module is used for performing qualification calculation by utilizing the acquired borrower information to obtain a final primary result; and the credit auditing module carries out secondary auditing on the borrower by acquiring the credit investigation report of the borrower.
2. The system of claim 1, wherein the system further comprises: the identity verification module comprises a face recognition module, and the certificate photo acquired by the information input module is transmitted into the face recognition module.
3. The system of claim 1, wherein the system further comprises: the material submitting module requires a borrower to input loan auditing materials, the loan auditing materials comprise necessary materials and auxiliary materials, the necessary materials comprise a mobile phone number, a bank card number, an identity card, a house number book, a personal income proving material, a bank card flow record in one year, a public deposit account name and a password, the auxiliary materials comprise a personal occupation proving, a current residence address material and a relative basic material, and the file materials all adopt PDF format files.
4. The system of claim 1, wherein the system further comprises: the risk auditing module is only applied to the new user, the new user fails the first risk auditing, and the risk auditing module returns to the material submitting module.
5. The system of claim 1, wherein the system further comprises: the qualification review module comprises job review, income review and residence review, and the job review, the income review and the residence review can be set through a background.
6. The system of claim 1, wherein the system further comprises: the credit examination module can obtain the credit investigation report of the borrower, the number of times of credit investigation and inquiry in one year after examination is set as an N value, and the N value can be set through a background.
7. The system for fast qualifications assessment according to claim 1, wherein the use of the system comprises the steps of:
the method comprises the following steps: the method comprises the steps that a borrower prepares necessary materials, then logs in a public credit loan system through a network terminal, the borrower inputs personal basic information and proving materials into an information input module, the credit loan system obtains the basic information of the borrower through the materials input by the borrower, then the credit loan system verifies whether the borrower operates according to the certificate of the borrower and a face verification module, if the face verification fails, the verification is finished, the borrower does not pass the verification, if the face verification passes, the credit loan system inquires whether the borrower has a credit loan record, if the borrower has the credit loan record, an old user interface is entered, and if the user does not have the credit loan record, a new user interface is entered;
step two: the borrower enters a material submitting module, at the moment, the borrower needs to submit necessary materials including a mobile phone number, a bank card number, an identity card, a house number book, a personal income proving material, a running record of the bank card in one year, a public deposit account name and a password according to the requirement, the auxiliary materials include a personal occupation proving, a current residence address material and a relative basic material, the borrower enters a risk auditing module after the material of the new user is submitted, a credit loan system simulates risk calculation according to the information submitted by the user, when the borrower fails for the first time, the borrower returns to the material submitting module, at the moment, the borrower of the new user can improve the passing rate of the risk auditing module by providing more materials, and when the borrower fails for the second time, the borrower does not pass;
step three: the credit loan system checks credit loan qualification according to the borrower materials, the qualification checking can check the occupation, income and residence of the borrower, when all qualification checks are passed, the borrower is judged to have credit loan qualification, and a credit checking module is entered, the credit checking module can obtain a credit investigation report of the borrower, the credit loan system checks the borrower information whether a debt exists or not, the credit investigation inquiry times are checked again, if all the details are passed, the user obtains the credit loan qualification, and if one of the details are not passed, the user does not check the credit loan qualification.
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| CN202011504779.2A CN112529693A (en) | 2020-12-18 | 2020-12-18 | Public credit loan system for rapid qualification evaluation |
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| CN202011504779.2A CN112529693A (en) | 2020-12-18 | 2020-12-18 | Public credit loan system for rapid qualification evaluation |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113744046A (en) * | 2021-09-08 | 2021-12-03 | 未鲲(上海)科技服务有限公司 | Service data processing method and device, computer equipment and storage medium |
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| CN110033365A (en) * | 2019-04-11 | 2019-07-19 | 湖北风口网络科技有限公司 | A kind of loan on personal security approval system and method |
| CN111461857A (en) * | 2020-03-03 | 2020-07-28 | 福建省农村信用社联合社 | Personal online credit method, device, system, equipment and medium for small and medium-sized banks |
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2020
- 2020-12-18 CN CN202011504779.2A patent/CN112529693A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102903056A (en) * | 2011-07-27 | 2013-01-30 | 刘金衢 | Method and system for debit and credit guarantee based on e-commerce platform |
| CN105512935A (en) * | 2015-12-01 | 2016-04-20 | 郑东东 | Borrowing and lending system based on mobile terminal |
| CN110033365A (en) * | 2019-04-11 | 2019-07-19 | 湖北风口网络科技有限公司 | A kind of loan on personal security approval system and method |
| CN111461857A (en) * | 2020-03-03 | 2020-07-28 | 福建省农村信用社联合社 | Personal online credit method, device, system, equipment and medium for small and medium-sized banks |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113744046A (en) * | 2021-09-08 | 2021-12-03 | 未鲲(上海)科技服务有限公司 | Service data processing method and device, computer equipment and storage medium |
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