CN113781200A - Automatic credit investigation authorization method, system and electronic equipment - Google Patents
Automatic credit investigation authorization method, system and electronic equipment Download PDFInfo
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Abstract
The invention relates to an automatic credit investigation authorization method, a system and electronic equipment, which are applied to a credit investigation inquiry system, wherein the method comprises the following steps: before a user applies for a loan service through a service system, credit investigation authorization is carried out on the service system according to a received credit investigation authorization request sent by the service system, when the user applies for the loan service through the service system, the validity of the credit investigation authorization is verified according to the received credit investigation authorization validity verification request sent by the service system, if the credit investigation authorization is valid, a credit investigation authorization book is automatically generated, the credit investigation authorization and the validity verification are automatically completed, and the offline or online authorization and the manual verification of the credit investigation authorization validity of the credit investigation authorization book in the prior art are not needed, so that the efficiency of the credit investigation authorization is improved, and the labor cost is reduced.
Description
Technical Field
The invention relates to the technical field of credit investigation authorization, in particular to an automatic credit investigation authorization method, an automatic credit investigation authorization system and electronic equipment.
Background
With the vigorous development of internet finance, a person can conveniently borrow through internet financial services, the credit of a borrower is the key for approving loan, the borrower needs a loan platform to access a credit investigation system, checks a personal credit investigation report of the borrower, knows the credit condition and provides reference basis for the borrower to approve the loan.
The existing credit investigation authorization mode is that a pure offline user manually fills a paper credit investigation authorization book to perform offline complete authorization and validity verification, which needs to consume a large amount of manpower to collect and arrange and verify the credit investigation authorization book; or the handwritten paper credit investigation authorization platform under the subscriber line scans the authorization document of the electronic edition, identifies the authorization information of the electronic edition to collect and verify the validity, thereby increasing the operation steps of the user, influencing the experience of the user and increasing the operation cost of the loan platform.
Disclosure of Invention
In order to solve the technical problems, the invention provides an automatic credit investigation authorization method, an automatic credit investigation authorization system and electronic equipment, which can automatically perform credit investigation authorization on a service system of a loan platform and automatically verify the validity of the credit investigation authorization, thereby avoiding higher labor cost brought by manual authorization and manual validity verification in the prior art, saving time for credit investigation authorization and validity verification and greatly reducing the operation cost of the loan platform, and the specific scheme is as follows:
in a first aspect, an automatic credit investigation authorization method is applied to a credit investigation system, and the method includes:
before a user applies for a loan service through a service system, credit investigation authorization is carried out on the service system according to a received credit investigation authorization request sent by the service system;
when a user applies for a loan service through the service system, verifying the validity of credit investigation authorization according to a received credit investigation authorization validity verification request sent by the service system;
and if the credit investigation authorization is valid, automatically generating a credit investigation authorization book.
In a preferred embodiment, the verifying the validity of the credit investigation authorization according to the received credit investigation authorization validity verification request sent by the service system includes:
receiving a credit investigation authorization request sent by the service system, wherein the credit investigation authorization request comprises a credit authorization number corresponding to a user;
generating an authorization number uniquely corresponding to the credit authorization number;
and storing the credit investigation authorization request into an authorization information table and a credit granting information table corresponding to the authorization number.
In a preferred embodiment, the credit investigation authorization validity verification request comprises the credit authorization number;
the verifying the validity of the credit investigation authorization according to the received credit investigation authorization validity verification request sent by the service system comprises:
determining an authorization number corresponding to the authorization number according to the authorization number;
acquiring authorization information and credit information from an authorization information table and a credit information table corresponding to the authorization number according to the authorization number;
and verifying whether the credit investigation authorization is valid or not according to the authorization information and the credit authorization information.
In a preferred embodiment, the authorization information includes an authorization state and an authorization time, and the trust information includes a trust method and user data borrowing information;
the verifying whether the credit investigation authorization is valid according to the authorization information and the credit authorization information comprises:
judging whether the authorization state is account logout;
if yes, judging that the credit investigation authorization is invalid;
if not, judging whether credit investigation authorization is effective or not according to the borrowing information, the credit granting mode and the authorization time.
In a preferred embodiment, the determining whether the credit investigation authorization is valid according to the borrowing information, the credit granting manner and the authorization time includes:
acquiring a borrow number generated by a borrow service of a user from the service system;
if the borrow data number is not matched with the borrow data information, judging the size relation between the time difference value of the credit investigation authorization validity verification time and the authorization time and a first preset value;
if the time difference is smaller than or equal to the first preset value, the credit investigation authorization is valid;
and if the time difference is larger than the first preset value, the credit investigation authorization is invalid.
In a preferred embodiment, the determining whether the credit investigation authorization is valid according to the borrowing information, the credit granting manner and the authorization time further includes:
if the borrowing number is matched with the borrowing information, the credit granting mode is single credit granting, and the repayment state in the borrowing information has an uncleared record, the credit investigation authorization is effective;
and if the borrowing number is matched with the borrowing information, the credit granting mode is single credit granting, and the repayment state in the borrowing information has no uncleared record, the credit investigation authorization is invalid.
In a preferred embodiment, the determining whether the credit investigation authorization is valid according to the borrowing information, the credit granting manner and the authorization time further includes:
if the borrow number is matched with the borrow information and the credit granting mode is circular credit granting, judging the size relation between the time difference value of the credit investigation and authorization validity verification time and the authorization time and a second preset value;
if the time difference is smaller than or equal to the second preset value, the credit investigation authorization is valid;
and if the time difference is greater than the second preset value, the credit investigation authorization is invalid.
In a preferred embodiment, the automatically generating the credit investigation authorization book comprises:
acquiring service parameters and an authorization book template of the loan service;
calling an electronic signature interface according to the service parameters and the authorization book template;
and generating a credit investigation authorization book containing the user electronic signature.
In a second aspect, an automatic credit investigation authorization system is provided, the system comprising:
the authorization module is used for carrying out credit investigation authorization on the service system according to a received credit investigation authorization request sent by the service system before a user applies for a loan service in the service system;
the verification module is used for verifying the validity of credit investigation authorization according to a received credit investigation authorization validity verification request sent by the service system when a user applies for a loan service in the service system;
and the generation module is used for automatically generating the credit investigation authorization book if the credit investigation authorization is valid.
A third aspect provides an electronic device comprising:
one or more processors; and
a memory associated with the one or more processors for storing program instructions which, when read and executed by the one or more processors, perform the method as previously described
In the invention, before a user applies for a loan service in a service system, a credit investigation system carries out credit investigation authorization on the service system according to a received credit investigation authorization request sent by the service system, when the user applies for the loan service in the service system, the credit investigation system verifies the validity of the credit investigation authorization according to the received credit investigation authorization validity verification request sent by the service system, if the verification is valid, a credit investigation authorization book is automatically generated, and the prior art does not need to manually carry out offline or online authorization on the credit investigation authorization book and manually verify the validity of the credit investigation authorization, thereby improving the efficiency of the credit investigation authorization and reducing the labor cost.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flowchart of an automatic credit investigation authorization method according to an embodiment of the present invention;
fig. 2 is a flowchart of credit investigation authorization provided by the embodiment of the present invention;
fig. 3 is a flowchart of validity verification of credit investigation authorization provided by the embodiment of the present invention;
fig. 4 is a flowchart of generating a credit investigation authorization book according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an automatic credit investigation authorization system according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The following describes an automatic credit investigation authorization method, system and electronic device in detail with reference to the accompanying drawings.
The invention provides an automatic credit investigation authorization method, as shown in figure 1, applied to a credit investigation system, the method comprising:
and S11, before the user applies for the loan service through the service system, performing credit investigation authorization on the service system according to the received credit investigation authorization request sent by the service system.
In this step, before the user applies for the loan service in the service system of the loan platform, the user usually needs to select in the service system to allow the service system to check the credit status of the user, and this process is credit investigation authorization.
And S12, when the user applies for the loan service through the service system, verifying the validity of credit investigation authorization according to the received credit investigation authorization validity verification request sent by the service system.
In this step, when the user applies for the loan service in the service system of the loan platform, the service system may send a credit investigation authorization validity verification request to the credit investigation system to check whether the credit investigation authorization is valid, for example, if the time interval between the credit investigation authorization and the loan service application is long, the credit investigation authorization may be invalid.
And S13, if the credit investigation authorization is valid, automatically generating a credit investigation authorization book.
In this step, when the credit investigation system verifies that the credit investigation authorization is valid, the credit investigation system automatically generates a credit investigation authorization book and sends the credit investigation authorization book to the service system, and the service system can inquire the credit status of the user after receiving the credit investigation authorization book.
In the invention, before a user applies for a loan service in a service system, a credit investigation inquiry system carries out credit investigation authorization on the service system according to a received credit investigation authorization request sent by the service system, so that offline complete authorization is not required to be carried out by manually filling a paper credit investigation authorization book by a user offline or a user offline manually writes a paper credit investigation authorization book platform to scan an electronic authorization document in the prior art, and electronic version authorization information is identified to be collected for credit investigation authorization, thereby improving the efficiency of credit investigation authorization, reducing labor cost, verifying the validity of the credit investigation authorization by the credit investigation inquiry system according to the received credit investigation authorization validity verification request sent by the service system when the user applies for the loan service in the service system, and verifying the credit investigation authorization book without consuming a large amount of manpower in the prior art to collect and arrange, thereby greatly reducing the operation cost of the loan platform.
In a preferred embodiment, as shown in fig. 2, the step S11 of performing credit investigation authorization on the service system according to the received credit investigation authorization request sent by the service system includes:
s111, receiving a credit investigation authorization request sent by a service system, wherein the credit investigation authorization request comprises a credit authorization number corresponding to a user;
s112, generating an authorization number uniquely corresponding to the credit authorization number;
and S113, storing the credit investigation authorization request into an authorization information table and a credit granting information table corresponding to the authorization number.
In this embodiment, the credit authorization request includes a credit serial number corresponding to the user generated by the business system, an applied business name, an authentication mode, a credit authorization mode, authorization time and basic information of the relevant user, where the credit authorization means a financial institution directly provides funds to the non-financial institution client, or guarantees the client may generate compensation and payment responsibility in the relevant economic activities, the credit authorization mode includes a single credit authorization and a cycle credit authorization, the single credit authorization is a credit authorization for a loan business or other businesses (e.g. insurance, acceptance, etc.), the cycle credit authorization is a credit authorization for an enterprise in one package, e.g. a credit amount of 1 billion for an enterprise, the enterprise can be used for loan, acceptance, insurance, etc., if the credit authorization serial number is a serial number generated by the user when the business system is trusted, and is uniquely identified by the business system.
The credit investigation system generates a unique corresponding authorization number according to the credit investigation number and stores the authorization number, a credit investigation information table and an authorization information table corresponding to the authorization number are also stored in the credit investigation system, the credit investigation information table records credit investigation information, such as a credit investigation mode, the authorization information table records authorization information, such as an authorization number, authorization time and authorization state, wherein the authorization state is whether an authorization relationship exists between a user and a service system before, and if the user applies for account logout in the service system, the authorization relationship is released.
After generating the corresponding authorization number, the credit investigation system stores the content related to credit investigation in the credit investigation authorization request into the credit investigation information table in the database, and stores the content related to authorization into the authorization information table in the database.
In the embodiment, the credit investigation inquiry system carries out credit investigation authorization according to the credit investigation authorization request, generates the authorization number uniquely corresponding to the credit investigation number during the credit investigation authorization, and stores the credit investigation authorization request, thereby completing the process of automatic credit investigation authorization, avoiding the complex process of manually carrying out the credit investigation authorization and storing the related information of the credit investigation authorization, and saving the time of the credit investigation authorization.
In a preferred embodiment, as shown in fig. 3, the credit investigation authorization validity verification request includes a credit authorization number corresponding to the user;
s12, verifying the validity of the credit investigation authorization according to the received credit investigation authorization validity verification request sent by the service system includes:
s121, determining an authorization number corresponding to the authorization number according to the authorization number;
s122, acquiring authorization information and credit information from an authorization information table and a credit information table corresponding to the authorization number according to the authorization number;
and S123, verifying whether credit investigation authorization is valid according to the authorization information and the credit granting information.
In this embodiment, an authorization number corresponding to the credit granting number, an authorization information table corresponding to the authorization number, and a credit granting information table are stored in a storage area of the credit investigation system, and after the credit investigation system obtains a credit investigation authorization validity verification request including the credit granting number, the credit investigation system can obtain the credit granting information and the authorization information in the credit granting information table and the authorization information table according to the credit granting number.
The credit granting information comprises information such as a credit granting mode and the like, the authorization information comprises authorization time, the authorization information comprises information such as authorization time and authorization state, and the credit investigation system verifies the validity of credit investigation authorization according to the information.
In this embodiment, the credit investigation system can automatically acquire the authorization information and the credit search information after receiving the credit investigation authorization validity verification request through the credit investigation number, the authorization number and the corresponding relationship between the authorization information and the credit investigation information, so as to verify the validity of the credit investigation authorization, thereby improving the verification efficiency and the verification accuracy through the credit investigation system.
In a preferred embodiment, the authorization information includes an authorization state and an authorization time, and the trust information includes a trust mode and borrow information of the user;
verifying whether credit investigation authorization is valid according to the authorization information and the credit granting information comprises:
judging whether the authorization state is the cancellation of the account;
if yes, judging that the credit investigation authorization is invalid;
if not, judging whether credit investigation authorization is effective or not according to the borrow information, the credit granting mode and the authorization time.
In this embodiment, when a user logs out a corresponding account in a business system, the business system as a producer will consume through the KAFKA message service of one of the TOPICs, update the authorization status in the credit investigation system as account logout, if the authorization status obtained by requesting the validity check of the credit investigation authorization through the credit granting number is account logout, the authorization status is invalid, then the credit investigation authorization is invalid, if the authorization status is not account logout, it indicates that the account is not logged out, the account is valid, and then, according to the borrow information, the authorization time and the credit granting mode, it is verified whether the credit investigation authorization is valid.
In a preferred embodiment, the determining whether credit investigation authorization is valid according to the borrow information, the credit granting mode and the authorization time includes:
acquiring a borrow number generated by a borrow service of a user from a service system;
if the borrow data number is not matched with the borrow data information, judging the size relation between the time difference value between credit investigation authorization validity verification time and authorization time and a first preset value;
if the time difference is less than or equal to a first preset value, the credit investigation authorization is valid;
and if the time difference is larger than the first preset value, the credit investigation authorization is invalid.
In this embodiment, when loaning services such as withdrawal of cash of a user are recorded in the service system, a corresponding loaning number is generated, the service system sends the loaning number and the credit granting number to the credit investigation system through KAFKA of topic, and the credit investigation system stores the loaning number into the loaning information in the credit granting information table through the corresponding relationship among the credit granting number, the authorization number and the credit granting information. In addition, the latest borrowing information of the application users in the ETL extraction business system is pushed to the borrowing record table every morning to comprise user information, borrowing numbers, repayment states and borrowing due date information; and judging whether the authorization validity exists or not by matching the loan data number delivered by the KAFKA with the loan data record table.
When judging whether credit investigation authorization is effective according to the debit data information, the credit granting mode and the authorization time, acquiring a debit data number from the service system, judging whether the debit data number is matched with the debit data stored in the credit investigation system, and judging whether the debit data number is matched with the debit data number in the debit data. If the borrow number is not matched with the borrow information, judging that credit investigation authorization is valid when the time difference between the validity verification time of the credit investigation authorization applied currently and the authorization time is less than or equal to the preset time difference and the relation between the preset time difference and the time difference; and if the time difference is larger than the preset time difference, judging that the credit investigation authorization is invalid. The unit of the first preset value may be day, for example, 90 days.
In a preferred embodiment, the determining whether the credit investigation authorization is valid according to the borrow information, the credit granting method and the authorization time further comprises:
if the borrowing number is matched with the borrowing information, the credit granting mode is single credit granting, and the repayment state in the borrowing information has an uncleared record, the credit investigation authorization is effective;
and if the borrowing number is matched with the borrowing information, the credit granting mode is single credit granting, and the repayment state in the borrowing information has no uncleared record, the credit investigation authorization is invalid.
In this embodiment, when the borrow data number is matched with the borrow data information, it is determined whether the credit granting mode is single credit granting, if the credit granting mode is single credit granting, that is, each borrow data service requires credit granting by a service system, and the repayment state in the borrow data information has an uncleared record, it indicates that an uncleared bill still exists for the user, the user is using credit, at this time, credit investigation authorization is valid, and if not, it indicates that an uncleared bill does not exist, and at this time, credit investigation authorization is invalid.
In a preferred embodiment, the determining whether the credit investigation authorization is valid according to the borrow information, the credit granting method and the authorization time further comprises:
if the borrow number is matched with the borrow information and the credit granting mode is circular credit granting, judging the size relation between the time difference value of credit investigation and authorization validity verification time and authorization time and a second preset value;
if the time difference is less than or equal to a second preset value, the credit investigation authorization is valid;
and if the time difference is larger than a second preset value, the credit investigation authorization is invalid.
In this embodiment, if the debit data number is matched with the debit data information and the credit granting mode is a circular credit granting mode, it indicates that the user can continue to use credit to generate credit debit services within a period of time, so that the relationship between the time difference between the credit investigation authorization validity verification time and the authorization time and the second preset value is determined, where the second preset value is less than or equal to the time length of the circular credit granting, if the time difference is less than or equal to the second preset value, the credit investigation authorization is valid, and if the time difference is greater than the second preset value, the credit investigation authorization is invalid.
In a preferred embodiment, as shown in fig. 4, the step S13 of automatically generating the credit investigation authorization book includes:
s131, acquiring service parameters of the loan service and a credit investigation authorization template;
s132, calling an electronic signature interface according to the service parameters and the authorization book template;
s133, generating a credit investigation authorization book containing the user electronic signature.
In this embodiment, before step S131, the credit investigation system first generates an information authorization book generation record table including an authorization number, a generation book execution identifier and an execution identifier to be generated by asynchronously storing the authorization book by multithreading, then step S131, obtains a service parameter and a credit investigation authorization book template, wherein the service parameter includes a service type, a service name, a contract type, a contract name and a signing type, the credit investigation authorization book template is an authorization book template uploaded to the object storage server in advance, step S132, calls an electronic signature interface according to the service parameter and the authorization book template, updates the record table stored in the authorization information table and the authorization book generation record table according to a call execution result, if the call execution is successful, generates a credit investigation authorization book including a user electronic signature, updates the authorization information table, and updates the execution identifier in the authorization book generation record table to be generated, and if the execution fails, the execution identifier in the authorization book generation record table is not generated.
Further, in the process of generating credit investigation authorization, the generated book execution identifier within a period of time may be processed in a unified manner at regular time, and the specific process is that step S133 includes configuring credit investigation authorization fragmentation tasks on a unified scheduling platform DUTS, generating information data according to a reasonably divided number of fragments, such as 1 ten thousand authorization fragments, and dividing 100 authorization fragments into fragmentation tasks, so that each authorization fragment generates data for fragmentation task processing 100, and a fragmentation task scheduling policy: when the application is started, the application registers itself to the DUTS, and the DUTS caches all the machine nodes. Adopting an average fragmentation strategy: the task is divided into a plurality of subtasks (the number of the subtasks is equal to the number of the fragments), and then the subtasks are evenly distributed to designated machine nodes (IP) to be executed. After selecting the executing machine node (IP), if the number of the subtasks is larger than that of the machine node (IP), a plurality of subtasks can be executed on the same machine; if the number of the subtasks is less than the number of the machine nodes (IP), some machine nodes (IP) can not execute the tasks; the number of subtasks is equal to the number of machine nodes (IPs), and each subtask has only one machine node (IP) to execute.
The following is illustrated (exemplified only with the case of fraction > machine number):
3 machine nodes (IP), if the task is divided into 9(0,1, 8) pieces, the subtasks executed by each machine node are [0,1,2], [3,4,5], [6,7,8 ];
if the task is divided into 10(0,1, 9) pieces, the piece divided by one machine reported first is [0,1,2,9], and the other two machines are respectively divided into [3,4,5], [6,7,8 ];
if the task is divided into 8(0, 1., 7) pieces, the piece divided by one machine is reported to be [0,1,6] firstly, the piece divided by the second machine is reported to be [2,3,7] secondly, and the piece divided by the last machine is [4,5 ].
In the embodiment, the credit investigation authorization book containing the electronic signature of the user is generated by acquiring the service parameters of the loan service and the credit investigation authorization book template and calling the electronic signature interface according to the service parameters and the authorization book template, so that the process of automatically generating the credit investigation authorization book is completed, the related information of the credit investigation authorization book does not need to be manually filled, and the labor cost is reduced.
As shown in fig. 5, the present invention also provides an automatic credit investigation authorization system, which includes:
an authorization module 51, configured to perform credit investigation and authorization on a service system according to a received credit investigation and authorization request sent by the service system before a user applies for a loan service through the service system;
the verification module 52 is configured to verify the validity of the credit investigation authorization according to a received credit investigation authorization validity verification request sent by the service system when the user applies for the loan service through the service system;
and the generating module 53 is configured to automatically generate the credit investigation authorization book if the credit investigation authorization is valid.
In a preferred embodiment, the authorization module 51 comprises:
the credit investigation authorization request receiving unit is used for receiving a credit investigation authorization request sent by a service system, wherein the credit investigation authorization request comprises a credit authorization number corresponding to a user;
the authorization number generating unit is used for generating an authorization number which is uniquely corresponding to the credit authorization number;
and the credit investigation authorization request storage unit is used for storing the credit investigation authorization request into the authorization information table and the credit granting information table corresponding to the authorization number.
In a preferred embodiment, the credit investigation authorization validity verification request comprises the credit investigation number;
the authentication module 52 includes:
the authorization number determining unit is used for determining an authorization number corresponding to the authorization number according to the authorization number;
the information acquisition unit is used for acquiring authorization information and credit information from an authorization information table and a credit information table corresponding to the authorization number according to the authorization number;
and the verification unit is used for verifying whether credit investigation authorization is valid or not according to the authorization information and the credit granting information.
In a preferred embodiment, the authorization information includes an authorization state and an authorization time, and the trust information includes a trust mode and borrow information of the user;
the verification unit is also used for judging whether the authorization state is the logout of the account; if yes, judging that the credit investigation authorization is invalid; if not, judging whether credit investigation authorization is effective or not according to the borrow information, the credit granting mode and the authorization time.
In a preferred embodiment, the verification unit is further configured to obtain a debit number generated by the user's debit service from the service system;
if the borrow data number is not matched with the borrow data information, judging the size relation between the time difference value between credit investigation authorization validity verification time and authorization time and a first preset value;
if the time difference is less than or equal to a first preset value, the credit investigation authorization is valid;
and if the time difference is larger than the first preset value, the credit investigation authorization is invalid.
In a preferred embodiment, the verification unit is further configured to, if the borrow number matches the borrow information, the credit granting mode is single credit granting, and the repayment state in the borrow information has an uncleared record, prove that the credit authorization is valid;
and if the borrowing number is matched with the borrowing information, the credit granting mode is single credit granting, and the repayment state in the borrowing information has no uncleared record, the credit investigation authorization is invalid.
In a preferred embodiment, the verification unit is further configured to determine a size relationship between a time difference between credit investigation authorization validity verification time and authorization time and a second preset value if the debit data number matches the debit data information and the credit granting manner is a circular credit granting manner;
if the time difference is less than or equal to a second preset value, the credit investigation authorization is valid;
and if the time difference is greater than the second preset value, the credit investigation authorization is invalid.
In a preferred embodiment, the generating module 53 includes:
the service parameter and authorization book template acquisition unit is used for acquiring the service parameter of the loan service and the authorization book template;
the calling unit is used for calling the electronic signature interface according to the service parameters and the authorization book template;
and the generating unit is used for generating a credit investigation authorization book containing the electronic signature of the user.
It should be noted that: the automatic credit investigation authorization system provided in the above embodiment is only illustrated by the division of the above functional modules, and in practical applications, the above function distribution may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the above described functions. In addition, the rope skipping provided by the embodiment and the embodiment of the automatic credit investigation authorization method provided by the embodiment belong to the same concept, namely the system is based on the method, and the specific implementation process is described in the embodiment of the method and is not described again.
The present invention also provides an electronic device, comprising:
one or more processors; and a memory associated with the one or more processors, where the memory is used to store program instructions, and the program instructions, when read and executed by the one or more processors, perform the method described above, and please refer to the description above for technical effects that can be achieved, which is not described herein again.
Fig. 6 illustrates an architecture of an electronic device, which may specifically include a processor 610, a video display adapter 611, a disk drive 612, an input/output interface 613, a network interface 614, and a memory 620. The processor 610, the video display adapter 611, the disk drive 612, the input/output interface 613, the network interface 614, and the memory 620 may be communicatively connected by a communication bus 630.
The processor 610 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solution provided in the present Application.
The Memory 620 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 620 may store an operating system 621 for controlling the operation of the computer system, a Basic Input Output System (BIOS) for controlling low-level operations of the computer system. In addition, a web browser 623, a data storage management system 624, a device identification information processing system 625, and the like may also be stored. The device identification information processing system 625 may be an application program that implements the operations of the foregoing steps in this embodiment of the present application. In summary, when the technical solution provided in the present application is implemented by software or firmware, the relevant program codes are stored in the memory 620 and called for execution by the processor 610.
The input/output interface 613 is used for connecting an input/output module to realize information input and output. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.
The network interface 614 is used for connecting a communication module (not shown in the figure) to realize the communication interaction between the device and other devices. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).
It should be noted that although the above devices only show the processor 610, the video display adapter 611, the disk drive 612, the input/output interface 613, the network interface 614, the memory 620, the bus 630, etc., in a specific implementation, the device may also include other components necessary for normal operation. Furthermore, it will be understood by those skilled in the art that the apparatus described above may also include only the components necessary to implement the solution of the present application, and not necessarily all of the components shown in the figures.
The present invention also claims a computer readable storage medium comprising a computer program embodied on a computer readable medium, the computer program comprising means for performing the automatic credit authorization as described above. In such an embodiment, the computer program may be downloaded and installed from a network via the communication means, or installed from the memory, or installed from the ROM. The computer program, when executed by a processor, performs the above-described functions defined in the methods of embodiments of the present application.
It should be noted that the computer readable medium of the embodiments of the present application may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In embodiments of the application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In embodiments of the present application, however, 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 many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the foregoing.
The computer readable medium may be embodied in the server; or may exist separately and not be assembled into the server. The computer readable medium carries one or more programs which, when executed by the server, cause the server to: when the peripheral mode of the terminal is detected to be not activated, acquiring a frame rate of an application on the terminal; when the frame rate meets the screen information condition, judging whether a user is acquiring the screen information of the terminal; and controlling the screen to enter an immediate dimming mode in response to the judgment result that the user does not acquire the screen information of the terminal.
Computer program code for carrying out operations for embodiments of the present application may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The method, the apparatus, and the computer storage medium for processing a service request provided by the present application are introduced in detail, and a specific example is applied in the present application to explain the principle and the implementation of the present application, and the description of the above embodiment is only used to help understand the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, the specific embodiments and the application range may be changed. In view of the above, the description should not be taken as limiting the application.
Claims (10)
1. An automatic credit investigation authorization method is applied to a credit investigation system, and comprises the following steps:
before a user applies for a loan service through a service system, credit investigation authorization is carried out on the service system according to a received credit investigation authorization request sent by the service system;
when a user applies for a loan service through the service system, verifying the validity of credit investigation authorization according to a received credit investigation authorization validity verification request sent by the service system;
and if the credit investigation authorization is valid, automatically generating a credit investigation authorization book.
2. The method of claim 1, wherein the verifying the validity of the credit investigation authorization according to the received credit investigation authorization validity verification request sent by the service system comprises:
receiving a credit investigation authorization request sent by the service system, wherein the credit investigation authorization request comprises a credit authorization number corresponding to a user;
generating an authorization number uniquely corresponding to the credit authorization number;
and storing the credit investigation authorization request into an authorization information table and a credit granting information table corresponding to the authorization number.
3. The method according to claim 2, wherein the credit investigation authorization validity verification request comprises the credit investigation number;
the verifying the validity of the credit investigation authorization according to the received credit investigation authorization validity verification request sent by the service system comprises:
determining an authorization number corresponding to the authorization number according to the authorization number;
acquiring authorization information and credit information from an authorization information table and a credit information table corresponding to the authorization number according to the authorization number;
and verifying whether the credit investigation authorization is valid or not according to the authorization information and the credit authorization information.
4. The method according to claim 3, wherein the authorization information includes authorization status and authorization time, and the trust information includes trust mode and borrow information of the user;
the verifying whether the credit investigation authorization is valid according to the authorization information and the credit authorization information comprises:
judging whether the authorization state is account logout;
if yes, judging that the credit investigation authorization is invalid;
if not, judging whether credit investigation authorization is effective or not according to the borrowing information, the credit granting mode and the authorization time.
5. The method according to claim 4, wherein the determining whether the credit investigation authorization is valid according to the borrowing information, the credit granting manner and the authorization time comprises:
acquiring a borrow number generated by a borrow service of a user from the service system;
if the borrow data number is not matched with the borrow data information, judging the size relation between the time difference value of the credit investigation authorization validity verification time and the authorization time and a first preset value;
if the time difference is smaller than or equal to the first preset value, the credit investigation authorization is valid;
and if the time difference is larger than the first preset value, the credit investigation authorization is invalid.
6. The method according to claim 4, wherein the determining whether the credit investigation authorization is valid according to the borrowing information, the credit granting manner and the authorization time further comprises:
if the borrowing number is matched with the borrowing information, the credit granting mode is single credit granting, and the repayment state in the borrowing information has an uncleared record, the credit investigation authorization is effective;
and if the borrowing number is matched with the borrowing information, the credit granting mode is single credit granting, and the repayment state in the borrowing information has no uncleared record, the credit investigation authorization is invalid.
7. The method according to claim 4, wherein the determining whether the credit investigation authorization is valid according to the borrowing information, the credit granting manner and the authorization time further comprises:
if the borrow number is matched with the borrow information and the credit granting mode is circular credit granting, judging the size relation between the time difference value of the credit investigation and authorization validity verification time and the authorization time and a second preset value;
if the time difference is smaller than or equal to the second preset value, the credit investigation authorization is valid;
and if the time difference is greater than the second preset value, the credit investigation authorization is invalid.
8. The method of any one of claims 1 to 7, wherein the automatically generating the credit investigation authorization comprises:
acquiring service parameters and an authorization book template of the loan service;
calling an electronic signature interface according to the service parameters and the authorization book template;
and generating a credit investigation authorization book containing the user electronic signature.
9. An automatic credit investigation authorization system, the system comprising:
the authorization module is used for carrying out credit investigation authorization on the service system according to a received credit investigation authorization request sent by the service system before a user applies for a loan service in the service system;
the verification module is used for verifying the validity of credit investigation authorization according to a received credit investigation authorization validity verification request sent by the service system when a user applies for a loan service in the service system;
and the generation module is used for automatically generating the credit investigation authorization book if the credit investigation authorization is valid.
10. An electronic device, comprising:
one or more processors; and
a memory associated with the one or more processors for storing program instructions that, when read and executed by the one or more processors, perform the method of any of claims 1-8.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110923827.XA CN113781200A (en) | 2021-08-12 | 2021-08-12 | Automatic credit investigation authorization method, system and electronic equipment |
| CA3170007A CA3170007A1 (en) | 2021-08-12 | 2022-08-11 | Automatic credit reporting authorizing method, system and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110923827.XA CN113781200A (en) | 2021-08-12 | 2021-08-12 | Automatic credit investigation authorization method, system and electronic equipment |
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| CN113781200A true CN113781200A (en) | 2021-12-10 |
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| CN202110923827.XA Withdrawn CN113781200A (en) | 2021-08-12 | 2021-08-12 | Automatic credit investigation authorization method, system and electronic equipment |
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| CN (1) | CN113781200A (en) |
| CA (1) | CA3170007A1 (en) |
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| CA3170007A1 (en) | 2023-02-12 |
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